Spring Home Projects in Northern New England
September 30, 2006
As I sit on a plane in route from Chicago to Boston this evening, I realize I have been staring out into the dark abyss contemplating the arrival of spring. Spring is a time of anticipation and renewed life. A time when the snow finally abates and the Robins return to rebuild their nests. And a time when Tulips and Daffodils emerge from the ground and bloom, if ever so briefly. It is also a time for the voracious Black Fly that we northern dwellers know only too well. For me, however, it is a time to shift into a higher gear; there are outdoor projects that have accumulated over the winter months and there is traditional spring tasks that every homeowner is compelled to do.
There are two main questions I debate as I compile my spring "To-Do" list: What to do and when to do it?
Electric Radiant Floor Heating
September 30, 2006
Electric radiant floor heating systems are heating systems designed for use under carpeting, area rugs, tile, stone, and laminate wood floors and have been used in Europe, South Africa, and Australia for over 20 years.
Radiant heat does away with the age-old problems of cold rooms by offering easy-to-install zone heating. You can choose to either have radiant heat installed by a professional installer or DIY with their plug-n-play portable system for under area rugs. Concentrating on the advantages of floor heating (heat rising), radiant heat offers comfort from the ground up, heating the room evenly from floor to ceiling.
The product is designed to solve zone heating problems one room at a time without adding the expense or mess of adding additional ductwork and/or baseboard heating units. The ultra thin heating mat that can be assembled and installed by floor installers or do-it-yourselfers, is perfect for whatever your situation. It appears that homeowners, flooring dealers, and builders agree, as sales have already started to expand, and the line has been taken on by several high-end flooring retailers and builders alike.
Tips For First Home Buyers On Getting Home Loans
September 30, 2006
Buying your first home will likely be the biggest and most important purchase you will ever make. It can be a very stressful and may even leave you sleepless for nights on end wondering whether you are making the right decision ? especially where choosing the right home loan is concerned.
With all the other questions that tug at first time home buyers, the question of finding their deposit and obtaining the right mortgage are probably the ones that claim the most attention.
There are a number of different resources that first time homebuyers can consult in order to find some guidance; from financial institutions, government offices, books and the internet there is wealth of information just waiting to be had. However, there are a few things that first time home buyers should keep in mind when shopping around for the right home loan.
Determine just how much house you can comfortably afford. There are online calculators that can help you get a general estimate of what a lender might give you.
However, you should also consider your existing debt, your living expenses and closing costs when trying to establish what your budget should be.
Why Hardwood Flooring is a Good Investment
September 30, 2006
Hardwood flooring has a timeless air of quality
Hardwood floors have decorated some of the most exclusive mansions and estates in history and still exude a feeling of permanence and classic quality compared to manufactured floors.
Hardwood floors are natural
Hardwood floors bring the natural outdoors inside, and do not contain man-made chemicals in the wood itself. Homeowners with exclusive design tastes will tend to gravitate towards the quality and natural feel of hardwood floors - there is just something about the feel and look of them that cannot be duplicated in a factory.
Hardwood flooring adds value to your home
Installing solid hardwood flooring in your home is a true investment that will retain its value. In many cases, installing hardwood floors with generate a return on investment that exceeds the initial cost of installation.
Real hardwood colors will never go out of style
There is a timeless quality about the natural color of hardwoods that will ensure your house never becomes outdated because of its flooring. Recent advancements in laminate flooring have allowed consumers to pick from a multitude of design styles and colors - unfortunately some of these may become outdated and fall out of favor.
Finding a Color Scheme - Decorating with What you Have
September 29, 2006
If you feel helpless when it comes to picking and blending colors, your answer could be as far away as your nearest pillow. Check out this quick way to create a color scheme for your home with our PICK - SEE -LMD method.
PICK a Pattern: Starting with a pattern is the easiest way to create a color palette for your decor. Choose a pattern from any object you already have and love such as a pillow, picture or piece of furniture. This will be your color palette !
SEE 3 Colors: Select a light, medium and dark color from your pattern to be used as your foundation. You may want to go to a hardware store and select color chips from the paint department that match your pattern to carry with you in case you come across a great find and need to know if it matches.
LMD: Light, Medium and Dark - How you use these colors can affect the overall appearance of your room.
Light- Is the Background- this is usually easy to achieve since most rentals are equipped with light to off-white walls.
Enjoy Creating and Growing a Sustainable Garden While Feeding Your Family
September 29, 2006
A sustainable garden means one that can be sustained over time, and would necessarily involve I) growing food you want to eat, so you are motivated to continue growing, II) growing economically, so that it is worthwhile doing, as well as III) taking care of environmental issues, so that the ground will continue to support growing.
I) The plants to be grown should be chosen primarily on what your family wants to eat, and what will grow in your locale. After that, Consider using heirloom seed rather than hybrid, if you are very concerned about losing the ability to replace seed each year from commercial sources. However, growing and saving your own seed is difficult and time consuming. An excellent answer to this dilemma is the Garden In A Can heirloom seed provided by Mountain Valley Seed Company (www.mvseeds.com). Other seed companies may have something similar. I recommend you buy a can of this triple-sealed seed, store it against the possible disaster, and then buy and use the best seed you can get and don’t worry about trying to grow for and save your own seeds.
Why Laminate Flooring is the Perfect Choice for Families
September 29, 2006
If you’ve ever had carpets or vinyl flooring you’ve probably had your share of stains, spills, and rips that no matter what you do, you can’t quite wash out. Or perhaps the family pet has scratched the carpet edging, or even worse - had a bathroom mishap on the children’s favorite playing area?
Your flooring nightmares can finally end! Laminate flooring was designed to stand up to the rigors and demands of a busy family household and when compared to other types of flooring solutions easily outperforms in almost every category. Here our our top reasons for selecting laminate flooring for a family household:
Laminate flooring is tough
Designed with a tough and durable wear layer, it is much stronger than most installed solid hardwood flooring, vinyl’s, and carpets. It stands up much better to dents and scratches that the softer surface of solid hardwood floors, and is a much better surface to install if you have heavy foot traffic, kids, or household pets. Best of all - it continues to look brand new even after years of wear and tear.
Stain, fade, and moisture resistant
Finding Travel Deals
September 29, 2006
If your vacation time is coming up and you are planning on making a trip, then you will need to make some plans. Perhaps you are going to visit family? Or, maybe you plan to take your family to see an attraction somewhere? Maybe you are going to visit another country? Regardless of where you plan to go, you can find great deals on getting there, staying there, and even enjoying your time at the location.
Often times we want to take our children to see the things we saw when we were younger. It would be nice to see some new destinations as well. Either way, we want to do a lot but don’t always have the funds. So, we are always in search for a deal. There are many out there to be had. Here are some quick ideas.
Saving on airfare is all about shopping around. Compare the different offers each company has. Can you fly in mid week and avoid weekend charges and busy times? Flying at night or at odd times can also increase your changes of getting a deal.
Tips For Breaking Away From White Wall Paint
September 28, 2006
Paint is one of the most affordable and easiest ways to change a room. But choosing the right paint colors for your home can seem like an overwhelming task.
Paint, accessories, fabric, furniture, and flooring should all blend, so take a good look at the room you will be working on, preferably before you choose a paint color, and decide what will stay in the room, and what you may want to move out of the room.
The first thing you should do when choosing colors for your home, is look around at colors that make you feel good, happy, and relaxed.
These colors are probably already in your home. A few examples are the colors you love to look at in your flower garden, the colors in your jewelry, or pottery, or they can be found in the colors of the clothes in your closet.
The second thing you should do is go to your local paint store and pick up a color wheel, and or sample cards, pick the sample cards that really catch your eye, and don’t be afraid to get as many as you want. Take these cards home and look at them at different times of the day and night, to see how the color will look when the sun shines in on them, or at night when you have lamps turned on, or candles burning. Study this for several days. Be patient when deciding which color feels best to you.
Need a Mortgage, Refinance or Equity Loan? Learn What it Takes, Before Applying
September 28, 2006
Do you know what it takes to qualify for mortgage and refinance loans? There are several factors involved with qualifying for a purchase, refinance or equity line of credit, and having an in-depth understanding of these could make the difference in you being accepted or turned down by a bank loan officer.
Here are some things loan underwriters use in seeing if you qualify for a loan: your credit rating; your income; the amount you wish to borrow vs. the value of the property, this is known as loan to value or LTV; your assets; cash on reserve to cover down payments and reserve funds to cover a few months worth of mortgage payments, in the event you can’t pay for an indefinite period of time; your employment history.
Most people worry about credit, even people who have excellent credit. Credit is such an unknown. Put your mind at ease. You can purchase a house with poor or no credit at all. In fact, with a poor credit rating and only 3 percent for a down payment, you can get an FHA loan. FHA is not a credit score driven program, so you can qualify this way if you have to do so.
