Thursday, June 27, 2013

How to Pick Paint Colors


Paint has remodeling power when you use it to emphasize a room’s best features or play down the flaws.



Every home suffers a few negatives, but not every solution requires pricey structural changes. Paint is an often-overlooked, low-cost remodeler’s remedy for common complaints with interiors, offering the chameleon-like ability to lighten, warm, enlarge, erase, or attract attention.
“Paint is a powerful tool that can enhance the architectural character and intent of space,” says Minneapolis architect Petra Schwartze of TEA2 Architects. “As you choose your paint, think about what the experience in the room should be.”

More Schwartze advice:
  • Always sample paint colors on a few walls. Don’t be shy about painting a few large swaths on walls and trim to consider the effect of natural and artificial lighting. Add samples to opposite sides of a room to judge the paint color from different angles.
  • Check the space with the samples in place and watch how the paint color changes at different times of the day.
  • Evaluate your reaction to the proposed colors: Does the space feel cozy or is the openness enhanced?
How to enlarge space with color

Painting walls white, cream, pastels, or cool colors (tinged with blue or green) creates the illusion of more space by reflecting light. Paint trim similar to walls (or use white on trim) to ensure a seamless appearance that visually expands space.

White or light colors lift a ceiling; darker shades can have a similar effect if you select a high-gloss paint sheen, which reflects light and enhances space.

Employ a monochromatic scheme to amplify the dimensions of a room. Select furnishings in one color and paint walls and trim to match. Lack of contrast makes a room seem more spacious.

Make walls appear taller by extending wall color onto the ceiling. Create a 6- to 12-inch-wide border of wall color on the entire ceiling perimeter, or wherever walls meet the ceiling.
   
Vertical and horizontal stripes of alternating color can make a room grand. While vertical stripes enhance room height by drawing the eye upward, horizontal stripes lure your gaze around the perimeter, making walls seem further away. Use similar light colors for low-contrast stripes, and your room will look even larger.

Creating intimacy

When a space feels cavernous, draw walls inward and make it cozy with warm colors (red-tinged) because darker hues absorb light. Similarly, a dark or warm color overhead (in a flat finish) helps make rooms with high or vaulted ceilings less voluminous.

Give peace a chance

The right paint choice can lend tranquility to a bathroom, master suite, or other quiet, personal space. A palette of soft, understated color or muted tones help you instill a calming atmosphere. Some good choices include pale lavenders, light grays or greens, and wispy blues.

Define your assets

Call out notable features in a room with paint. Dress crown mouldings and other trims in white to make them pop against walls with color. Make a fireplace or other feature a focal point by painting it a color that contrasts with walls.

“Using a higher sheen of paint on woodwork, such as baseboards and door or window casings,” says Schwartze, “creates a crisp edge and clear transition from the wall to the trim.”

Hide flaws

Not everything should stand out in a space. Using a low-contrast palette is a good way to hide unappealing elements or flaws. Conduit, radiators, and other components painted the same color as the wall will seem to disappear.
   
Selecting low-sheen or flat paint colors also helps hide flaws. Unless walls are smooth, avoid using high-gloss paint because it reflects light and calls attention to an uneven surface.

What’s the cost?

As a DIY job, painting a 12-by-12-ft. space costs about $150, including paint, primer, brushes, drop cloths, and other painting tools and supplies. A professionally painted room using high-quality, brand-name paint costs $200-$400.


Read more: http://www.houselogic.com/home-advice/painting/how-to-pick-paint-color/#ixzz2XQoYfNG6

Tuesday, June 18, 2013

How to Sell Your Home and Buy Another at the Same Time

Being a move-up buyer can be tough in today’s market. Although deals are closing rapidly, there’s no guarantee that your new dream home will close at the same time as your old dream home. Selling and buying at the same time is a delicate dance, but it is doable. There are a few ways to pursue this plan:

1. Sell first, then buy. This is perhaps the safest plan, but it calls for multiple moves. In this scenario, you list your home and complete the transaction before purchasing another home. When you sell your home, you put the bulk of your belongings in storage and live in a temporary rental or, if possible, enter into a rent-back deal with your home’s new owner. The advantage of this method is that you know exactly how much you can spend on a new home, and you don’t have to worry about temporary financing. Also, without another home waiting in the wings, you’ll be less tempted to drop the price or to take the first offer that is below the asking price. The disadvantage is that it is a disruptive experience, and you could be displaced for a while if you are home-shopping for a long time.

2. Buy first, then sell. This strategy minimizes disruption. You can move into your new place at your leisure and then take time to prepare your home for sale. The major disadvantage is that, depending on how fast your old home sells, you could be shouldering the burden of two mortgages for some time. You are also responsible for maintenance and security on the vacant home. This scenario works best if your first home is already paid off.

A variation of this plan is to buy a new home with the plan to rent out the old one for a year. This buys you some time with money coming in, but being a landlord comes with its own stresses and responsibilities. You may also need to repair or renovate the home after it has served as a rental.

3. Buy and sell simultaneously. To execute this plan, you need to prepare for all contingencies and to know that if your timing is off, you will face one of the two scenarios listed above. The trickiest bit can be timing the financial burden. One option is bridge financing. This enables you to own two homes for a short amount of time. To do this, you need to either borrow money from family or obtain a short-term loan from a bank or other lending institution to span the time period between when you close on your new home and sell your old one. In essence, you are getting a short-term home-equity loan, also known as a HELOC, a Home Equity Line of Credit, on your present house and using it as a down payment on your new house. You then repay the loan when you sell your first home. It is not easy to qualify for a conventional bridge loan, since you have to demonstrate that you have enough money to pay for both mortgages for an indefinite period of time.
Experts advise applying for the HELOC well before you buy a new house. That way most of the credit on the line is unused until you actually need it. Lenders don’t like a HELOC that works only for a very short time, and it’s a challenge to get a HELOC if your present home is on the market.
Try to schedule the closing date on the sale of your old home after the closing date on the home you buy. In this way, you can stay in your present home until you move into your new home. Otherwise, you can attempt to negotiate a rent-back arrangement.
There is no right answer in choosing any of these scenarios. Your Realtor may be able to advise which is best, depending on the local market. However, much depends on your financial stability, as well as your tolerance for risk or disruption.
Herbert J. Cohen contributed to this article.

Tuesday, June 11, 2013

Wacky Exterior Paint Jobs

A good exterior paint job adds value; a misguided one can make you weep — or LOL. Here’s a collection of our favorite oddballs.

 

 

 

1 of 10
Next
Urban Jungle
Friends and the pizza delivery guy won’t have any trouble finding your house when you tell them to look for the leopard spots. No matter what your color scheme, take care when prepping an older house for repainting by testing for lead paint and knowing current lead paint laws.


Credit: Libby Walker for HouseLogic
Image: Libby Walker for HouseLogic



Read more: http://www.houselogic.com/photos/painting/wacky-exterior-paint-schemes/slide/urban-jungle/#ixzz2Vv8CtVOf

Tuesday, June 4, 2013

Water-Saving Irrigation Strategies

Simple, low-cost watering systems help you save water and money but still have a great-looking yard.

Water Saving Irrigation Techniques                            
Almost one-third of the water your family uses—some 100 gallons a day on average—ends up on your yard and garden, according to the Environmental Protection Agency. Nationwide, more than 7 billion gallons a day go to landscape irrigation. If that weren’t problem enough, as much as half that water is wasted. It falls on sidewalks or evaporates into the air before it ever reaches the ground. With a few simple changes to the way you water, you can save a precious resource and lower your bills at the same time. To remember the steps to take, just use our handy acronym: DIRTS, which stands for drip irrigation, recapture, timers, and sensors.
 
Drip irrigation sends water only where you need it
Drip irrigation systems can be a great way to save because they put water only where you want it. Unlike a soaker hose, which emits water all along its length, a drip system delivers water directly to plants’ roots, which cuts down on waste and also reduces weeds.
A drip system is basically a long, thin plastic tube sitting on the ground or, less often, buried right below the surface. Small fittings, called emitters, release water at rates of one-half to four gallons an hour. The tubing is attached to your outside faucet with a valve. You can turn on the drip manually or put it on a timer. Some systems also let you adjust the water flow, which can help prevent overwatering.
Installing a drip system is pretty easy. Attach the valve, run the tubing, and insert the emitters where you want water. The number of emitters you need depends on what you’re watering. A 10-foot tree that soaks up 60 gallons of water a week might need several emitters, while a small plant that only requires a couple of gallons would need just one.
A new drip system will cost about anywhere from $50 for about 20 plants to $200 or more for a whole yard. You can also convert your existing in-ground sprinkler system. Companies like RainBird make adapters that let you replace sprinkler heads with connectors for drip tubing. Going from sprinklers to drip irrigation can cut lawn water use by up to 50%, saving you about $70 off the average annual household water bill of $475.

Recapturing rainwater lets you irrigate for free
Plants love the purity of rainwater, and you can’t beat the price.  One inch of rain on a 1,000-square-foot roof provides 600 gallons of runoff. Depending on your local rainfall, that could be enough to water your plants all summer.
All you need to harvest rainwater is a simple plastic or wooden drum with a spigot near the bottom where you can attach your hose. A 60-gallon model will set you back $75 to $150.
Just put the barrel underneath a downspout to catch rainwater coming off the roof. You’ll need to attach a flexible elbow to the downspout so it feeds into the barrel. In areas of heavy rainfall, you can expand your storage capacity with $10 connectors that let water flow from one barrel to another.
A few cautions. Roofs made of asbestos shingles, treated cedar shakes, or old tar and gravel aren’t good candidates for rainwater collection because the runoff may contain high levels of contaminants. To keep debris out and pests away, especially mosquitoes, cover your barrel with a fine mesh screen or lid. If you have kids, clamp the lid down to keep them from falling in.

Timers and sensors keep water waste to a minimum
Whatever watering system you choose, putting a timer on it will make your watering more efficient. Plus, if you live in a drought-prone area where watering schedules are restricted, a timer can keep you from getting a ticket.
Timer kits range from simple $20 dial models that screw onto the faucet and let you set on and off times manually to electronic controllers that let you program multiple on-off times and different watering schedules for different days of the week. If you want to track your water use, you can add a garden water meter for less than $10.
For even greater water savings, you need a sensor ($20-$30) that adjusts the water flow depending on how much rain you’ve had. These sensors measure either actual rainfall or the moisture in the soil, then automatically subtract that amount from the next watering cycle. Savings can be significant: A University of Florida study showed that soil moisture monitors can cut water use by more than 50%.
You can even give your water monitoring a high-tech spin with an ET (evapotranspiration) controller. These “smart” controllers use real-time satellite weather data to make watering adjustments. They can also be programmed to adjust for soil type, weather conditions, and slope. Installation requires a professional, but savings can be 20% to 40%, according to the Irrigation Association. Many water agencies in the West give rebates to customers who install “smart” systems; in southern California, installing an ET controller qualifies you for a $200 rebate.
       
Laura Fisher Kaiser is a contributing editor to Interior Design magazine, a former editor at This Old House Magazine, and co-author of The Official eBay Guide. She cut her water bill in half by replacing all her water-guzzling toilets with HETs.


Read more: http://www.houselogic.com/home-advice/saving-water/water-saving-irrigation-strategies/#ixzz2VHGNDGcc

Tuesday, May 28, 2013

What Homeowners’ Insurance Discounts Are You Missing?


Homeowners insurance isn’t a topic that most people like to think about except as the funny/scary ‘Mayhem’ ads for Allstate. For first-time homebuyers the prospect of adding home insurance to the other long list of costs can seem daunting. Yet homeowners’ insurance isn’t just required for your mortgage, it’s an important part of a plan to keep you and your home safe.
Generally homeowners’ insurance covers damage from fire, most storms (some insurance does not include flood damage), theft, and more.  It can also protect you in case someone is injured in your home. It is a wise investment in your financial safety.
Luckily there are some ways you can improve your home that not only may boost resale value, but can also knock a little off your homeowners’ insurance rates. Trusted Choice conducted a national survey in 2011 and found that over 34% of respondents did not know about all the homeowners insurance discounts available to them. Below are a few key areas to focus on.

1) Home Security–Those who live in a gated community may be entitled to a discount. Gated communities tend to have lower rates of theft, vandalism, and other crimes. Having a security system in place can pare as much as 15 percent off your policy depending on the provider. Dead-bolt locks can also be a discount for some providers.

2) Fire Safety–The installation of smoke detectors and carbon monoxide detectors isn’t just necessary protection for your family, it’s also something insurance underwriters smile upon. Also for fire protection, a sprinkler system, heat detectors, fire escapes and plenty of fire extinguishers are also important. And keep those flammable substances outside the home at a cool temperature to avoid overheating and fire risk.

3) Home Maintenance–You may be able to qualify for an age of wiring discount depending on how old your wiring is.  Is your roof resistant to hail? Roofing is graded as Class 1 through Class 4. Class 4 roofs are often eligible for discount.  New pipes can also qualify you for a discount. Do you have handrails installed alongside your staircases? If you have a pool is it surrounded with a fence at a gate? Safety measures also can count toward your policy. If your home was recently renovated or is newer that may entitle you to a discount. Older homes can be retrofitted with materials that make them more earthquake and weather resistant.

4) Policyholder Discounts–If you haven’t filed a home insurance claim in the last 10 years you may want to ask about a discount. Homeowners who haven’t made a claim can often get as much as a 20% reduction. If you are older and retired you may also be entitled to a discount. Bundling your home insurance with other policies can also yield a savings as can being a long-term policyholder.  Another money-saving factor you may consider is raising your deductible, which can lower your premium but make sure that in the event you need to use your insurance policy that your budget will accommodate a higher deductible.

In today’s competitive market, it’s important to shop around, because you may receive  disparate quotes on policies that offer essentially the same coverage. Check consumer guides, insurance agents, companies and online insurance quote services. This will give you an idea of price ranges and tell you which companies have the lowest prices.
Courtney Ronan contributed to this story.

Thursday, May 23, 2013

Create A Backyard Water Garden This Weekend 

 
 
 

iStock_000006786513Small
An outdoor water garden provides focus, beauty, and value to your home’s backyard. And while it may seem like an expensive project, it doesn’t have to be a wallet-busting proposition. You can easily create your own backyard oasis for less than $500. It won’t take long, either: by following our DIY guide, you can create a beautiful water garden over one weekend.
Tools and Materials:
  • Small plastic pond or pond liner
  • Shovel
  • Large and small rocks
  • Plants (both regular and aquatic)
  • Submersible water pump
  • Hose for the water pump
1) Determine Placement of the Water Garden
Ideally, the water garden’s location should be a flat, level surface somewhere near an outside power outlet. Depending on your location you choose, you may want to install a dedicated outlet for your water garden’s pump so there are no extension cords running across the surface of the ground.

2) Dig the Hole for the Water Garden
If you are using a pre-molded plastic pond, dig out the shape and depth of the pond so it can be dropped in. If you are using a pond liner, then you can make the hole as deep and wide as you like as long as the liner fits inside and overlaps the edges of the hole by a foot or two. If you are using a liner and you want a cascading effect, dig the hole so it has two layers, or depths.

3) Position the Rocks
Use the largest rocks to frame the edges of the water garden (the larger rocks will also help hold the pond liner in place if you used liner). Fill in the gaps using the smaller rocks and pebbles. If you dug a two layer hold for your liner, place large rocks along the top shelf and the bottom to hold the shape of the pond.

4) Insert the Pump and Run the Hose
Set the pump in the deepest part of the pond and run the water hose to where you want the waterfall to originate. Secure the pump in place by placing stones around it.
You can have the water stream directly out of the concealed hose and over the rocks at the highest point on the pond or you can build a unique design using terracotta pots or other items which the hose can be connected to.
Tuck the hose along the inside edge of the pond and use lightweight stones to hold it in place. Don’t use heavy stones or they may crimp the hose and stop the flow of water.

5) Fill the Pond with Water
Fill up the pond with water and plug the pump in. Once water starts flowing out of the hose, top off the pond with water.

6)  Plant the Flowers
The whole point to a water garden is to have it look like a garden, so plant your flowers, shrubs and other prized plants in strategic places around the pond. Keep in mind that they will grow, so don’t bunch too many plants in one location.

7) Insert the Aquatic Plants
Aquatic plants are plants that will grow inside your water garden and therefore, they do not need to be planted. Just place them in your pond in the place they look the best and that’s it.

Dave Donovan contributed to this post.

Wednesday, May 8, 2013

9 Tornado Preparation Tips for Home Owners

It’s prime tornado season. Are you ready?

Try these nine tips from the Hanover Insurance group to get ready:

1) Make an evacuation and communication plan so that when a tornado watch is issued, you’re ready. In many cases, you’ll have only minutes to get to a storm shelter, the basement, or to an inner windowless room or interior hall.

2) Create an emergency preparedness kit that has what you need to live in your home for awhile, even if it’s wrecked or if you’re without electricity and water. The kit should contain a week’s worth of non-perishable food, bottled water, paper plates and cups, eating utensils, medicines, first aid handbook and bandages, blanket, a radio, batteries, flashlight, soap and toiletries, bleach for disinfecting, and spare clothing. Store the kit in the basement or other safe area.

3) Have debris removal tools on hand. There may be a significant amount of debris following a tornado that will have to be moved just to exit your structure. Some of this will be splintered wood and glass. With this in mind, store helpful items — including heavy soled shoes, gloves, eye protection, and a small shovel to safely move debris. This should be kept in the same area as your survival kit.

4) Create a home inventory. Tornadoes can destroy your home and its contents. A proper home inventory helps you document and value your possessions. Photograph or shoot video of your entire home or business, including the contents of each room, and store these with a written inventory and serial numbers in a fireproof safe or safe deposit box. Automate the process using a free online inventory tool available at www.hanover.com.

5) Make sure you’re not over- or underinsured. It is always a good idea to review your home owners policy with your independent insurance agent, ensuring you have enough coverage for your contents and the physical structure as well. Also ask about other coverage that may be of value to you in the event of a tornado loss, such as reimbursement for temporary living expenses.

6) Create and share contact info. All family members should have the personal and business contact information (phone/email) for quick communications. Also ensure you have your agent and insurer’s claims office numbers stored in your mobile phone. After a storm, cell service may be more accessible than local land lines. Have important numbers on hand to help expedite your recovery after the storm.

7) Wait for official notice before returning home. If there is an evacuation after a storm, wait for official notice that it is safe to return to your home. When returning to your home, be cautious when entering a damaged structure. Stay away from damaged or weakened walls.

8) Take photographs and/or video documenting claim damage. Should your home or business be damaged in a tornado, take pictures of the entire scene and document all damage — provided it is safe. Try not to remove items until an insurance adjuster has had an opportunity to visit the property and assess the damage, but do what you need to do to protect your home from further damage, like putting a tarp over holes in your roof.

9) Keep an accurate record of any temporary repairs or expenses. If you do need to make temporary repairs to help preserve the remains of your home or personal property, keep all records to ensure that they may be considered in your claim.
Source: Hanover Insurance Group, Inc.


Read more: http://www.houselogic.com/news/tornadoes-severe-storms/9-tornado-preparation-tips-home-owners/#ixzz2SjZjzkLf