Escape from reality by creating at-home getaways

Life is hectic. And although technology has made our lives easier to multitask and stay connected, it also means that no matter where you go, it's hard to fully escape. While traveling to a remote island to get away for peace and relaxation would be a wonderful retreat, you can easily avoid the hustle and bustle of your daily routine by creating peaceful escapes throughout your own home.

Say "Spaah"

The bathroom is the only place where you can shut the door and have complete "you time" with little to no interruptions. With 54 percent of respondents to a recent Moen survey of showering behaviors saying they have children living at home, a shower means a bit of precious alone time, and people take full advantage of the peace to think about the day, their lives and more.

To add a bit of bliss in the bath, add a spa-like shower with multiple spray settings to meet every mood. The Moen Caldwell Shower Combination offers a spa of multiple sprays and a variety of spray patterns - creating the perfect shower retreat. The collection features an incredible selection of options - both a five-setting wallmount shower head and a five-setting handheld shower head with five unique spray settings. And the best part is it won't cost a fortune.

It's time to truly enjoy your shower and create the ultimate getaway. After all, you deserve it. And the multiple spray settings of the Caldwell collection are perfect for everyone in the house.

Zen in the Den

The TV is blaring, the phone is ringing off the hook, and power cords from everything from the Blu-ray, to the Wii, to the table lamp are refusing to stay neatly tucked away. Your den area might be a go-to hangout place, but it's still easy to create peace among the chaos.

De-cluttering is one of the simplest things you can do to create order and a sense of calm. Remove items that haven't been used in months and get rid of furniture that serves little to no function. The less clutter your den has, the better you'll feel. It's also important to open the windows whenever possible. Less mess and fresh air can easily change the outlook of a room.

Bring your house up to date

It's amazing how quickly our homes can start to look dated. Even if they were once the height of fashion, they can easily start to feel stuck in the past, and for many people it is enough to make them consider moving, unaware that it is simply the fact that things feel stale that is giving them such wanderlust.



There is plenty that can be done, easily and cheaply, to make a house feel more modern though. A change of paint is always a great way to start. Finding out the colors that are currently in vogue is a great way to instantly transform a room. On top that, interesting and modern artwork and contemporary knick knacks will also instantly bring a room up to date.



Home lighting is also a surprisingly date-specific kind of thing. Older light fittings will instantly date any room, and changing glaring halogens to more subtle accent lighting can instantly change the feel of a room without anything else being needed. Altering home lighting is also easy to research and cheap to achieve, making one of the perfect places to start if a house is starting to feel jaded. The more you can spend on lighting, the better.



Wooden floors are also a great way to stay modern. On top of this, utilizing a wooden floor gives you great scope to include under-floor heating, an investment that will almost certainly pay for itself in terms of how much money can be saved on energy bills. Under-floor heating also helps you remove what are usually unsightly radiators and give rooms more space - another way to make any room feel more modern.



If you can, make as much space as possible, knocking down walls to create more space if it is appropriate. Space and lighting combined will make even the dullest room feel fresh and new.



By: Allision Kraft

http://www.articlecity.com/articles/home_improvement/article_7221.shtml

Myth and fact: What you need to know about credit scores

For all of the discussion around the importance of credit scores, it's hard to know what's true, what's fiction, and what lies in between.



While there are misperceptions and misunderstandings still lingering in the marketplace, the good news is that overall knowledge about credit scoring is improving. A recent survey by the Consumer Federation of America (CFA) and VantageScore Solutions, one of the two primary companies that generate credit scores, shows that consumers know they have more than one credit score, have a better understanding about the factors that affect credit scores, and have increased familiarity with how different kinds of companies and entities use credit scores. Consumers also have a good handle on some recent additions to federal laws regarding when lenders are required to inform borrowers about their credit scores.



"Increases in consumer knowledge probably reflect, in part, the increased public attention given to credit scores because of the new protections," says Stephen Brobeck, executive director, CFA. "The improvements may also be related to increased efforts of financial educators, including our own educational website, creditscorequiz.org, to inform consumers about credit reports and scores."



However, despite the positive developments, there's room for improvement according to the CFA-VantageScore Solutions survey.



Myth: Low credit scores don't greatly affect how much you pay over the life of the loan.

Fact: Low scores can be costly. Only 29 percent of survey respondents were aware that on a $20,000, 60-month auto loan, a borrower with a low credit score is likely to pay at least $5,000 more than a borrower with a high credit score.



Myth: Age and marital status are factors used in calculating credit scores.

Fact: Over 50 percent of survey respondents incorrectly believed their age and marital status were factors used to calculate their credit scores. The only factors credit score models use are related to your use of credit, especially whether you make payments on time.



Myth: Multiple inquiries when applying for a consumer or mortgage loan will have a negative effect on your score.

Fact: If multiple inquiries occur during a one-to two-week window, generally they will not lower your credit scores. Only 9 percent of respondents were aware of this, and 34 percent incorrectly believed that each inquiry will lower your score.



Understanding credit scoring can be complex, but it's in your best interest to get the facts straight. With a clear view of what's true and false, it's easier to set the course for a sound financial future. For more information about the myths and facts of credit, visit www.creditscorequiz.org, www.vantagescore.com and www.consumerfed.org. These websites are free, do not display any advertising and do not collect any personal data. Both the online quiz and a corresponding brochure are also available in Spanish at www.creditscorequiz.org/Espanol.

The most-overlooked financial planning tool that's free to everyone

What did you do with that envelope that used to arrive once a year with estimates of your future Social Security benefits? You might have reviewed the information. You may have even filed the statement away as a reference. Now, this powerful financial planning tool is as close as the nearest computer.

"Often, people don't think of their Social Security statement when thinking of their financial well-being," says Rod Griffin, director of public education for Experian. "But your statement can be a valuable financial planning tool."

Your SSA statement is now available online at www.socialsecurity.gov/mystatement. It provides an estimate of the amount of Social Security benefits you could receive upon retiring, but it can also help you with retirement savings strategies, estate planning and making decisions about disability insurance.

Retirement saving

Knowing how much your Social Security payments will be can help you better understand how much you'll need to save in other vehicles to fund your lifestyle during retirement. After reviewing your statement online, you may decide to adjust your 401(k) contributions, open an IRA or seek other avenues for funding your retirement.

The statement can also help you work with your current employer to ensure they're withholding the appropriate amounts.

Estate planning

Your online statement will also give you an estimate of how much your survivors might be eligible for if you die. This information covers both spouses and minor dependent children.

"This could be useful information when you're planning how you will financially take care of your loved ones if you pass away," Griffin says.

Estate planning often involves considering what sources of income will be available to survivors, and knowing how much Social Security benefits yours could be eligible for can help in the planning process.



Disability decisions

According to the SSA, 62 is the earliest age people can collect a reduced Social Security retirement payment, and the full retirement age is 67 for people born after 1960. But a 20-year-old worker has a three in 10 chance of becoming disabled before reaching retirement age, and the average age of people receiving Social Security disability benefits is just 53 years old.

If you have a health problem that you know will lead to disability, knowing how much you could expect to receive from Social Security may help you make decisions about how much disability insurance you'll need.

With the availability to access your Social Security earnings and benefit information online, it's easier than ever to make use of this important financial planning tool. The SSA uses Experian's fraud prevention services to securely authenticate and safeguard the identities of people accessing their earnings and benefits information online.

To access your statement, go to www.socialsecurity.gov/mystatement, create an account and provide the information as prompted. You'll be able to access your benefit information and even see a history of your annual earnings for every year.



For more information on how to live financially smart, go to www.livecreditsmart.com.

Easy kitchen updates that won't break the bank

It goes without saying that the kitchen is one of the hardest-working rooms in the home. For most, it's the heart of family life and usually the one room where everyone gathers together. With so much hustle and bustle, it's no wonder that the kitchen runs the risk of looking overworked.



A remodeled kitchen not only reinvigorates the space, but the home overall. This isn't always easy to accomplish though, as a full-blown renovation can be quite expensive and time-consuming. However, even on a tight budget, there are plenty of ways to spruce up the room without breaking the bank.

As dirt and grease build up over time, appliances around the kitchen can appear old and dull. The easiest way to rejuvenate those appliances without spending a fortune on new ones is by giving them a thorough cleaning. Since the stove is often used most, it's a good place to start. Clean the entire surface inside and out using a product that is safe for all surfaces. Try Goo Gone Foaming Kitchen Grease Cleaner to cut through the baked-on grease and stuck-on grime clinging to your stove without needing to scrub. Get into every nook and cranny until it sparkles.

After the stove is clean, repeat the process for the microwave, backsplash, oven hood, sink and countertops. All of your kitchen appliances will begin to look like new again, and your kitchen won't seem so worn and outdated.

Once finished with the kitchen surfaces, consider some other affordable updates that can make a huge impact:

Paint the cabinets - A lackluster room can quickly become re-energized with a vibrant new color. Repaint the cabinets a lively hue to brighten the space or freshen the existing paint color with a new coat.

Update fixtures - Don't expect that the faucet handles you installed more than 10 years ago will last another 10. In addition to being practical, kitchen fixtures can add style and enhance overall design. Look for fixtures that fit your kitchen motif, whether it's modern and sleek or shabby chic.

Change existing hardware - Think of hardware as jewelry for the kitchen. Add new glass or metal knobs, or bars to highlight cabinets and enhance the overall style of the room. If using metal hardware, choose one type and stick to it for a clean, uniform look.

Create shelving - Removing cabinet doors to create shelving can provide a sense of openness and additional space. Simply remove cabinet doors and fill in holes with wood filler. Then, sand until smooth and paint as desired. You can also paint the inside of the newly open cabinets as a decorative treatment.

Introduce new fabric - Are your cushions looking dingy and outdated? Re-cover chairs or stools with bright, patterned fabric that reflects your personality. Also consider framing the space with new curtains that liven up your "new" kitchen.

Find your green thumb - Instead of buying fresh herbs at the grocery store or farmers market, plant them in pots in your kitchen. They will help add freshness to both the atmosphere and your food (while saving you money).

Don't forget about the floor - Update floors without the significant cost associated with new flooring by simply adding a rug. Find a rug that's durable to high foot traffic, but also complements your kitchen style.

Complete all the updates, or pick and choose to make a difference even on the smallest budget. This process will certainly work on other areas of the home as well. Just as with the kitchen, always start with a good cleaning to instantly revitalize the items in your home. To save time and money, use products designed to clean multiple surfaces - including carpeting, upholstery, hard surfaces and more. Then, look around to see what can be updated without a complete renovation. Your home will have a fresh appeal in no time.