Protecting your paycheck - for today and tomorrow

That can happen in two ways, according to Sandy Botcher, vice president of disability income insurance at Northwestern Mutual. "When a family loses its usual source of income due to a disability, sometimes the only alternative is to dip into retirement savings to cover normal household expenses," she says. "And even if you don't have to take money out of savings to replace income, the other consequence of a disability is that it decreases your potential to contribute to your retirement plan."



Botcher adds that from the moment you start working until the day you retire, your ability to earn an income is your most important financial asset.



Consider this example: A $60,000 annual salary results in $2.4 million earned over a 40-year career, and that doesn't take into account inflation, salary increases, or the long-term growth potential of money invested in retirement saving vehicles along the way. If a disability prevents the individual from earning this income, or requires him to access a portion of what's already been saved (often with a tax penalty), it can have devastating impact on retirement dreams.



Recent research demonstrates the need to prepare for the unexpected. Over the past three years, 22 percent of Americans had dipped into retirement savings and 22 percent had stopped or reduced their savings contributions, according to Northwestern Mutual's 2013 Planning and Progress Study. More than half of those surveyed say unexpected expenses are to blame. Yet 23 percent of respondents say they want to be more cautious with their money, and feel they have a lot of catching up to do.



"The Great Recession has reminded us that we cannot afford to lose our incomes," says Botcher. "But we also need to remember that our chances of losing our incomes are determined by more than just our employers' viability or our career success."



In the minds of consumers, few things seem more unexpected than a disability. Yet the Social Security Administration reports that about one in four 20 year olds today will become disabled before retirement.



One way to prepare for the possibility of being unable to work is disability income (DI) insurance, designed to help pay living expenses, maintain lifestyle needs and preserve assets accumulated for retirement and other purposes. Many employees think that coverage they get through their employer's group disability policy is enough. They should think again.



Group DI typically has a cap at 60 percent of salary; other forms of compensation like bonuses or commissions may not be covered. In addition, the benefits are taxable. So, if earning less than two-thirds of one's current salary would make it difficult to make ends meet as well as work toward goals like continuing to fund retirement, it's important that another option be considered to bridge the gap.



That option is an individual DI insurance policy. Premiums for individual DI policies are paid after taxes, so the benefits are not taxed, and the policies are portable.



"We can't forget that the source of a retirement program is the ability to work. Having individual disability income insurance is a way to address one of the key risks to achieving your retirement goals," Botcher says.

Save money and do a world of good with reusable containers

Good news. There are simple ways to save money especially if you go back to the time-honored concept of BYO - "bringing your own" container of coffee, lunch or water as part of your daily routine. This can do a world of good not only for your pocketbook, but also for the environment, and even your health. Here are some tips to get you started:



* Bring your own coffee or tea



According to the Environmental Protection Agency, Americans throw away 25 billion foam cups each year. And 500 years from now, those cups will still be sitting in a landfill. Despite the convenience of foam cups, small changes such as bringing coffee or tea in a reusable container can have both an environmental and economic impact.



For example, Genuine Thermos(R) Brand makes a vacuum insulated commuter bottle that will keep a beverage hot for eight hours or cold for 12 hours. Not only is this great for a day at the office or running errands around town, it saves the cost of purchasing beverages day in and day out. If you still like an occasional custom-made coffee or chai latte, some retailers will fill your own bottle.



* Bring your own lunch



Many grownups still have fond memories of a school lunchbox featuring their favorite TV or movie character. Bringing your own lunch in an insulated lunch carrier is a good way to keep your favorite foods fresh and tasty, and a smart way to save money. According to a report in Time magazine, bringing your lunch to work can cut your weekly costs by 80 percent.



To keep foods fresh while on the go, insulated reusable containers are an ideal option. They come in all shapes and sizes to keep snacks or lunch foods hot or cold for hours, saving you the cost of going out and making it easier to stay away from unhealthy temptations.



* Keep yourself hydrated



As you get in the habit of bringing your own reusable portable container, don't neglect the one thing every human needs for basic good health - water - to help you hydrate throughout the day. According to the Mayo Clinic, water makes up about 60 percent of your body weight. Lack of appropriate water intake can lead to dehydration, draining your energy and making you feel tired.



The Institute of Medicine determined that adequate water intake for men is roughly 104 ounces and is roughly 72 ounces for women. Instead of purchasing bottled water in containers that will also end up in landfills, bring plenty of your own water in a portable, reusable container. One easy option for quenching thirst while on the go is the 24 oz. Hydration Bottle with Meter that is made of BPA-free Eastman(TM) Tritan and has a rotating meter built into the lid to help keep track of your daily water consumption.



Embracing the bring-your-own mentality can make a world of difference economically and environmentally. So, take the first step to "bringing your own" on May 23, which is the inaugural National Fill Your Thermos Brand Bottle Day, and celebrate the doing-good and money-saving power of the reusable container.

Rest easy: Expert advice on choosing a mattress

Everyone likes to save money, but some purchases it just doesn't pay to skimp on. If you're buying an item that affects your well-being - like shoes or a mattress - it's smart to buy the best you can afford.



Your mattress directly affects your ability to get a good night's sleep, according to experts. Poor sleep has been linked to a host of physical and mental health problems, including depression, anxiety, hypertension, memory loss and appetite changes.



If you're not resting as well as you know you should and it's been 10 years or more since you bought a mattress, you may need to take advantage of summer mattress sale season. The summer holidays - Memorial Day, Independence Day and Labor Day - and the weeks in between are a great time to find a new deal on a mattress, as retailers tend to ramp up discounts and promotions at this time of year.



"The Better Sleep Council recommends that you replace your mattress every five to seven years," says Jim Ruehlmann, a mattress expert with mattress-maker Simmons. "If you haven't gone mattress shopping in a while, you may be surprised and a bit overwhelmed by the variety of choices, advances in technology and plethora of sales you'll find this summer."



Ruehlmann offers these tips for making your next mattress purchase:



* When it comes to comparison shopping, patience pays off. Watch the sales fliers that will be arriving in your mailbox or tucked into your local paper. The "red, white and blue" holidays are prime sale time for mattress sellers. If you have an idea of what you want, chances are it will go on sale this summer.



* Play the pricing games to your advantage. Stores near each other rarely carry the exact same make and models of mattresses, so it can be difficult to do a direct price comparison. To get a fair comparison, note the construction of a model you like, including the types of foams, coil count, etc. Then take that information to a competing store and see if they have a bed of similar construction and quality that feels just as good - but for less money.



* Brush up on new technology. If it's been 10 years or longer since you bought a mattress a lot has changed. For example, if you tried memory foam years ago and didn't like the hot, quicksand sensation older foam types created, you may be pleasantly surprised at how new technology has eliminated that problem. For example, some mattressesfeature memory foam that provides the supportive sleep, contouring comfort and pressure relief of traditional memory foam, but helps dissipate heat and has quick recovery - meaning the foam doesn't make you feel hot when you lay on it and springs back to shape quickly as you move.



* Coils count. In traditional coil mattresses, those coils are what make a mattress comfortable - or uncomfortable. Quality coil construction equates to better sleep. Coils should provide motion separation, comfort and back support. The top section of the coil, which is tapered, conforms to your shape for comfort and pressure relief. The firmer barrel-shaped bottom section reacts to body weight and sleeping position for individualized back support and alignment.



* Never settle. You'll spend more hours in bed than on your couch, so keep searching until you find one that you feel good about. When testing in the store, lay on the bed however you normally sleep and stay that way for a few minutes. Be sure to try the bed with your sleeping partner beside you, so that you can feel the level of motion when one of you moves around.



* Ask about the store's policies for delivery charges, returns, testing periods and removal of your old mattress. Every store is different, and the policies may affect where you decide to buy.



Finally, says Ruehlmann, "Buy the box spring."



A mattress and foundation complement each other. Buying just the mattress may reduce its comfort and support - and shorten the bed's lifespan.

How to get your offers accepted to buy properties

The biggest challenge facing most real estate investors is making acceptable offers, especially when buying properties is the basic foundation of real estate investing.



Unless you buy properties, you cannot make any money.



Here is how to make offers that get accepted.



The offer you make depends on the type of property you are buying.



1) Buying from motivated sellers



If you buy houses from motivated sellers, it is necessary to have the following pieces of information:



a) Market Value



Do your due diligence to find out conservatively how much the house would be worth in perfect condition. You must have this information before you can make any offer.



b) Mortgage balance



You must get this information before you can make an offer. A seller who is not willing to disclose this information is not motivated enough. Move on to a motivated seller.



The mortgage balance must allow you to buy the house and still leave you with a profit. It must allow you to make a profit and own it free and clear.



c) Repairs needed



It is possible to estimate repair costs with the information provided by the seller.



You must know how much you need to fix up the house before you can make an offer. Of course, I like to see the house and do my own repair estimates.



d) Asking price



If the owner is asking for too much money given the above 3 pieces of information, the dealmight never happen.



A good asking price must take into account the market value, mortgage balance and repairs. You can then make an offer based on the asking price. Make an offer if the mortgage balance allows you to make a profit.



Even though it is necessary to consider the seller's needs, no offer can be too low. If they are facing foreclosure, then they probably need some money to move, or their asking price might be just enough to get away from the property.



If the mortgage balance is too high compared to the value of the house, it does not make sense to make an offer. Move on to the next deal.



There is no bad offer, except the one you have not made. Always make the offers that make sense to you. You'll be surprised how many get accepted.



2) Buying foreclosed properties



The asking price and repairs are the only important considerations to make in this case. Banks selling these properties are willing to negotiate.



Most REOs are listed below market value. Depending on your exit strategy, if the numbers are close to making sense, by all means make an offer.



Lastly, remember to make your offer lower than the asking price.



by: Simon Macharia

http://www.articlecity.com/articles/home_improvement/article_6984.shtml

Shape your financial future by checking your credit report and scores

Do you know what's on your credit report? Do you know your credit scores? If you don't, you're not alone, but now is a good time to better understand how they work before you go apply for that loan. By waiting to check your report and scores until you want to buy a car or house, you may discover too late your financial history forces you into strict loan terms with high interest rates, or, worse, disqualify you from getting any loan at all. How can you avoid this situation?



Responsible past credit behavior, a healthy credit score and understanding your debt picture all play crucial roles in achieving your overall financial goals. So reviewing your credit report and knowing your VantageScore credit score and how you compare to others is essential. By reviewing your report, you can verify the information in it, and take actions to correct any item that may require it. If you have any negative marks, now is the time to take action to address those issues and increase your credit score.



Perhaps the biggest misconception about credit scoring is that all the three major credit bureaus - TransUnion, Equifax and Experian - produce the same score. Although similar, there are many different scoring formulas, so variations can occur.



The three major credit bureaus partnered to develop VantageScore credit score to make credit scores more consistent and predictable across all three credit bureaus.



VantageScore credit scores fall within a range of 501 to 990 and include a letter grade from A to F. the higher your score, the better. Even though new methods provide more consistent formulas, there may still be variations across the three credit bureaus because information on individual credit reports may differ from bureau to bureau. Furthermore, each company is provided updated information from creditors on different days of the month, so an increase or decrease for one might happen on the first day of the month while another may not occur until the 15th.



These differentiators are why it's important to know all three of your scores, which you can easily get with a paid TransUnion membership. If you find the scores you have are lower than you'd like, there are some key things you can do. Most credit scores are derived by looking at these five attributes. By understanding what makes up these five factors, you can begin to change your behavior to improve your credit scores.



1. Payment history: A good record of on-time payments will help increase your credit scores. Review your credit reports closely and regularly. Late payments and other negative marks typically remain on your credit reports for up to seven years from the date of first delinquency. If you do find a mistake, take the proper steps to correct it so you can increase your scores.



2. Credit account history: An established credit history makes you a less risky borrower. Keeping old accounts that you have paid off can also help because keep your debt-to-credit ratio more favorable. Think twice before closing old accounts before a loan application.



3. Outstanding debt: High balances in relation to your credit limits can lower your credit score. Aim for balances less than 35 percent of your total available credit. You can determine your debt-to-credit ratio by reviewing your credit report now.



4. Recent inquiries: When a lender or business checks your credit in response to an application, it causes a hard inquiry on your report and may result in a slight ding to your credit score, so apply for new credit in moderation. Remember, viewing your own report and score is counted as a soft inquiry and doesn't change the score one way or another.



5. Types of credit: A healthy credit profile has a balanced mix of credit accounts and loans. It shows you have paid bills in the past and know how to manage different types of credit obligations. By reviewing your current credit reports and learning what your three scores are, you'll set yourself up for financial success in the future. Visit www.transunion.com for more information.

Inspirational Quote of the day by Tony Robbins

It is in your moments of decision that your destiny is shaped.



-Tony Robbins

Do-it-yourself weekend warrior survival guide

(BPT) - It's the do-it-yourself dream: deciding on the perfect DIY project just as the weekend finally arrives. All the supplies have been purchased and you're ready to dive right in. However, the enthusiastic start of the project doesn't always end in completion.



"Knocking out a big home improvement or do-it-yourself project in one weekend can be a rewarding task, but it is also challenging and can be taxing on your knees, feet and back when standing in the same position for several hours," says Mark Clement, home improvement expert and co-host of the national radio show MyFixitUpLife.



Whether you are woodworking at your workbench or staining a piece of furniture in the garage, Clement offers these tips to make the most of your DIY weekend projects while also feeling comfortable enough to successfully finish them:

• Focus on form and technique. When learning a new technique, go slowly, step by step, until you've mastered it. Allow your body to become accustomed to the various motions required. Moving efficiently is one of the best ways to avoid injury.
• Stay hydrated. Make it a priority to drink at least 125 ounces of cold water each day. Staying hydrated is important when exerting DIY energy, especially in the summer heat. So whether you're digging up the garden, roofing the shed, or wrenching in a no-AC garage, keep a water bottle or sports drink close by.
• Create a comfortable workspace. Be conscious of how long you are standing in the same spot working on your project and how your back feels. To relieve pressure and soreness on feet, knees and back, use a durable matthat is engineered with an optimal balance of cushion and support.
• Dress appropriately. Flip-flops and sandals do not offer the balance, protection and support that a sturdy closed-toe shoe or work boot does while tackling home improvement projects. Even if you have the grace of a ballerina in the workshop or yard, it is remarkably easy to drop things on your feet and it only takes a small distraction to create a big problem.
• Know your limits. When you only have a weekend to finish a big project, you might be feeling the pressure. Before the project even starts, accept that it may not all go according to plan. Plan for a few different scenarios and remember that you can always ask for help.
• Have a first aid kit. Even if you are being extremely cautious, accidents can happen and it's best to be prepared. Keep a first aid kit with all the essentials (antibiotic ointment, bandages, burn cream, etc.) near you at all times and seek professional medical help if necessary.

Strategies for managing and reducing debt

Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt - credit cards, car payments, mortgage or rent, student loans - to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.



* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.



* Prioritizing payments: -Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you've paid off the credit card with the highest interest rate, put that money toward the next highest.



* Calling creditors: If you can't make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised - many creditors will be willing to work with you to find a solution.



* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn't an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.



* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.



* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender - you'll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month.-



There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.

Tips on how to finance a college education

Borrowing to pay for college is commonplace today as the Chronicle of Higher Education reports that more than 60 percent of America's 20 million college students rely on student loans to finance their education. A college student today graduates with an average of $24,301 in student loan debt, according to the Federal Reserve Bank of New York, which also projects that there are approximately 37 million Americans who have outstanding loan accounts.



While many students believe that loans are worth the investment in their future, a growing number of borrowers are defaulting on their student loan debt. The Federal Reserve Bank of New York estimates that about 5.4 million student loan borrowers have at least one past-due student loan account.-



Economists and policymakers alike worry about the long-term impact on recent graduates burdened with loan debt - many of whom may face challenges down the road in securing financing to buy a house or start a business.



To help parents and students learn more about college financing, FindLaw.com, the nation's leading website for free legal information, offers a free, downloadable mini-guide on student loan debt. Here are some additional tips:



Start early. Really early - From the moment your child is born, start putting away a little bit each month toward his or her education. Use a state-run 529 plan or an IRA Coverdell account to save for college education tax-free. Regardless of when you start saving for college, it's never too late to put money aside to pay for college expenses.



Apply to colleges you can afford - Carefully weigh the costs and benefits of an expensive school to a less costly institution. Students who graduate with little or no debt may have more freedom to take career risks, such as moving to a new city or taking a low-paying internship that offers valuable work experience.



Explore financial aid options - Research and apply for all financial aid opportunities, even if you think you may not qualify. You can apply for federal student loans by completing the Free Application for Federal Student Aid.



Compare financial aid packages - As you receive acceptance packages from colleges and universities, pay close attention to the financial aid programs offered by each school to determine which offers the best option to finance your college education.



Research scholarships - Continuously apply for scholarships throughout your college years to defray expenses. Keep your eyes open for opportunities. Professors, for example, are often aware of scholarship opportunities and are an excellent source for references when applying for certain scholarships or aid packages.-



Consider the job prospects for your major - Before declaring a major, research post-college career prospects. What types of jobs are people getting with the major you're interested in? How much are they making in your part of the country? For example, if you need to take out $50,000 in student loans to obtain a degree that results in a job that typically pays about $35,000 per year, you may want to rethink your major.



Understand your loans - Not all student loans are the same. Some have higher interest rates. Some offer different terms to defer payment while a student is pursuing another degree. Some allow you to start paying the interest immediately, while you're still in college, to lower the loan's overall cost. Before considering student loans from a private lender, seek information and apply for federal student loans such as Stafford, Perkins and PLUS loans. Also talk to your college to see if it offers an institutional student loan program. Private loans can come with higher interest rates and more fees, so it's best to explore your options.



Think twice, parents - Parents who co-sign for a child's loan are responsible for that debt in the event that their son or daughter can't pay it. While you may want to help your child achieve his or her dreams, don't put your retirement years in jeopardy by cosigning on expensive private loans with high interest rates. Instead, help your child start building a positive credit history in his or her teenage years, and teach kids to take financial responsibility for the debt they incur.



To learn more about student loans and student loan debt, visit FindLaw.com.

Details on carpet stain removal

Carpet stain removal can be a daunting task. It should also be done with much care and precaution to prevent damage on the carpet. While using the vacuum cleaner will do fine, it will only remove the dirt. Stains are different, thus, they should be treated differently.



Regardless of the approach employed in removing the stains, it is best to act immediately and quickly. If you wait in doing the cleaning, you risk ruining your carpet for good. Whether oil, wax, solid or liquid substances are spilled on the carpet, you need to grab a clean cloth to remove the solid substances or what can be removed from the stain.



Then you have to blot out as much of the stain as possible. If a liquid substance spilled the carpet, there might occur wicking. Wicking means that the liquid substances have pooled at the bottom of your carpet. Hence, it will weaken the fiber of your carpet, causing the stain to spread and resurface; and eventually, serious damage is done on your carpet.



To prevent wicking, you need to cover the area with a thick dry cloth, and weigh it down with thick books or something that is heavy. Leave it overnight and remove the stain as normal in the following day.



In the morning, when you are certain that no more liquid or staining material will come out, blot out the stain using a dampen cloth or sponge. Avoid scrubbing the carpet as it would weaken the fiber and cause the stain to spread to other areas.



Blotting the stain gently will remove the stain without causing further damage to the carpet. If the stain remains after blotting it with water, you may want to squirt mild dish washing liquid onto it to clean. Blot the stain gently and let it sit for an hour before you blot again with a cool damp sponge or cloth until the stain is totally removed.



There are many carpet stain removal products available in the market in case you do not like to use dishwashing liquid detergent. Commercial products designed for removing stains vary based on what types of stains on your carpet.



For them to be effective, you need to figure out what type of stains your carpet has. If it is greasy like oils for cooking, body, automotive or moisturizing, use grease-based stain removal products.



If the stains are acid-based like coffee or urine, your choices are oil-based or acid-based products. In oil-based, the stains are dissolved, while in acid-based, the chemical quality of the spots are changed in order to make them easy to remove.



If you are not certain on the type of stain your carpet has, choose the all-purpose type of carpet stain removal product.



In all your undertakings, it is best to test the carpet stain removal product in a corner of the carpet or in any out-of-the-way area of the carpet, lest, you may risk creating a faded spot that may look more hideous than the stain itself.



by Rudy Silva

http://www.articlecity.com/articles/home_improvement/article_6257.shtml

Motivational Quote of the day by Donald Cargill

And now, this is the sweetest and most glorious day that ever my eyes did see.



-Donald Cargill

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.

Avoiding five mistakes that even good homeowners make

But next time, you might not get so lucky. A simple "uh oh" could lead to thousands of dollars in damage to your home.

"We recommend homeowners adopt a mindset of thinking about the consequences of things, of what could go wrong," says Dr. Tim Reinhold, senior vice president of research and chief engineer for the Insurance Institute for Business & Home Safety.

Here are five tips to avoid common homeowner mistakes:

Tip 1: Clean out the filter on your clothes dryer

Why? Fire. Those wads of lint that get caught in your dryer's filter can pose a major fire hazard. The U.S. Consumer Product Safety Commission estimates that dryers cause more than 15,000 fires a year.

Your strategy: Be sure to completely empty the lint trap every time you use your dryer. Also, make sure your dryer ducts are metal, since they're less likely to sag and allow lint to build up.

Tip 2: Trim tree branches that hang close to your home

Why? Roof or other property damage. A storm or high winds could sweep through your neighborhood and knock those branches onto your roof, causing serious damage.

Your strategy: Consult an arborist or tree surgeon about any trees in your yard that might present a hazard.

Tip 3: Don't put cardboard boxes from recent big-ticket purchases out on the curb with the garbage

Why? Theft. By placing boxes in a visible location, you're sending a signal to burglars that you have valuable items in your home.

Your strategy: Cut boxes up and put them into the garbage or recycling bin.

Tip 4: Make your house look occupied when you're on vacation

Why? Theft. An empty home can be an easy target for thieves.

Your strategy. Have your mail and newspaper deliveries suspended or have a trusted neighbor retrieve and safeguard them until your return. "Not only do piles of mail signal that a house is vacant, but thieves can sift through letters to steal your identity," says Joe Vahey, vice president at Erie Insurance. "You also may want to arrange for someone to maintain your lawn if you'll be gone for more than a few days, and consider installing central alarms, motion detectors, or timed lights that will illuminate the area around your house at night."

Tip 5. Check appliance water hoses

Why: Water damage. Hoses for washers and refrigerators wear out and need to be replaced before they spring a leak. The water supply line to the icemaker can also be a water leak waiting to happen.

Your strategy: Replace washing machine hoses every five years. If you see the plastic line along the back of the refrigerator becoming discolored (yellow or brown), have an appliance repair expert check it out.

Despite your best efforts to properly maintain and protect your home, accidents and mishaps still happen, which is why it's also important to know what your homeowners insurance does, and doesn't, cover. For example, no homeowners insurance will cover flood damage from natural disasters, so you may want to seek federal flood insurance if you live in an area prone to flooding. In addition, check to see if yours is a guaranteed replacement cost policy, which would pay to rebuild your home if it's severely damaged or destroyed. The coverage is rare, but some companies like Erie Insurance include it in their standard homeowners policies.



For more information on homeowners insurance, visit www.erieinsurance.com/homeowners.

Inspirational Quote of the day by Ben Okri

The most authentic thing about us is our capacity to create, to overcome, to endure, to transform, to love and to be greater than our suffering.



-Ben Okri

Selling your home out of season? A great deck makes a difference

In a perfect world, no one would ever have to face the challenge of trying to sell a house when there's snow on the ground and the trees are bare. In reality, people have to sell and buy homes throughout the year.



While winter may not be the optimum season to showcase your landscaping, there is one improvement you can make that will help you boost your home's outdoor appeal no matter what the season: a deck.



When potential buyers visit your home in winter, they might not be able to envision how green and lovely your backyard will look come spring. But they will be able to see with their own eyes the square footage that a deck adds to the home's living space.



Decks, patios, sunrooms and porches have always been popular with home buyers, but real estate agents say that too often those spaces are neglected or not used to their best advantage. Yet outdoor improvements like a deck can significantly enhance your home's value and appeal. In fact, at the time of resale, a deck will recoup, on average, about 73 percent of the original cost of building it, according to Remodeling Magazine's Cost vs. Value report.



"Anything that adds living space adds value, and the least expensive way to gain space is to build a deck or turn the one you have into an outdoor room by staging it so that it flows seamlessly with the rest of the house," says Mary Beth Harrison of The Harrison Group, a Dallas-based real estate agency. "A great deck can set your home apart from others with the same interior floor plan or square footage, and deck additions typically add value when it comes time to sell."



The cooler temperatures of fall and early winter make the season a great time to add a deck to your home. Or, if you already have a deck, you can enhance its appeal by adding simple touches and accessories.



A bonus space - for example, a tiny deck or rarely used balcony off a master bedroom - can be transformed into a romantic getaway by staging it with cozy, cushioned seating and a raised firepit. You can safeguard your deck and add designer style with Latitudes deck stones, 16-inch interlocking square tiles made of natural slate or granite. Deck stones can provide an effective fire barrier that's an asset under firepits or grills, or when used to create an outdoor kitchen.



Lighting is another way to boost appeal. LED deck lighting kits, like those offered by Deckorators, are both practical and visually appealing. Adding lighting to a deck can be an important safety feature, and also helps create a warm, welcoming mood for evening entertaining.



Another improvement that speaks to both safety and visual appeal are deck railings. Decorative railings with ornate balusters, post caps and postcovers can give virtually any wood or composite lumber deck a distinctive look for a modest investment.



"More than ever before, people look at their decks as outdoor entertainment areas," says Chris Fox of Universal Forest Products, producers of Latitudes Composite decking and Railing and Deckorators, a leader in decking railing systems and deck accessories. "For some, it's a kitchen; for others, a living room. Decks can be party spaces or quiet retreats. With so many different types of deck materials, lighting, rail systems and decorative accents, it's possible to turn a plain deck into a great outdoor space."



"Potential home buyers always react positively to nice decks that look like a great place to hang out," says Harrison. "From a buyer's perspective, if all else is equal, it's true that the home with the best deck wins."

Top DIY home winterization projects

While some projects should be left for the experts - like cleaning out the chimney - there are several most homeowners can accomplish themselves. These projects are easy to tackle, and the end result will make a huge difference to your home all winter long and into the spring months.



* Flushing gutters - Leaves and small tree branches often fall onto the roof of your home during the summer months, and then wash into the gutters when it rains. Sometimes they'll flush out, but other times this debris can build up, and prevent the water from draining down the gutter pipe. In winter, this water can back up and freeze, causing an ice dam, which can then damage the roof shingles, and cause leaks into the home and garage when it rains. Be sure to flush the gutters clean, and if you've noticed icicles in certain areas in the past, consider installing a heating cable to help keep the water melted and moving down the gutter and into the yard.



* Sealing concrete cracks - When water gets into cracks in your sidewalk or driveway and freezes, it can expand, creating a much larger crack come spring. Over time, large cracks will eventually turn into damaged concrete, requiring complete replacement. Tiny cracks that appear shortly after the concrete is poured are not a problem, but those that appear over time and continue to grow are good candidates for repair. There are a variety of patching materials from Sakrete that can be used to repair cracks.-Small narrow cracks can be filled with latex, polyurethane or other products typically found in caulk type tubes or plastic squeeze bottles. They have the advantage of not requiring mixing and being applied directly into the crack.-Sakrete Top n Bond is a much more versatile product that can be used to repair any cracks ranging anywhere from extremely fine to several inches across. In addition, Top n Bond is a portland cement-based product just like the concrete slab.-This allows for a better blending of the both the existing slab and the repair material. Should the need or desire to completely resurface the slab arise in the future, the Top n Bond will easily bond to the surface for a "like new" surface.



* Repairing potholes - Any missed cracks in past years with asphalt driveways probably have become potholes by now thanks to the freezing and thawing of water during the winter month. But you don't need to replace the entire driveway to take care of these problems. Sakrete U.S. Cold Patch is a strong patch product made from 95 percent recycled materials with no odor or mess. Just sweep the area in and around your pothole, pour in the patching mixture, and roll over the area with a car tire, allowing you to use the driveway immediately. Make certain the entire hole is completely filled and tamped down to prevent water from seeping into the patch. Because U.S. Cold Patch doesn't contain solvents and raw asphalt, there is no danger of tracking the material into the house or garage.



* Extra insulation against heat loss - Colder temperatures affect pipes, doorways and windows. Protect pipes from freezing by wrapping any pipes exposed to the cold with pipe insulation. Also check your doors and windows for leaks or gaps. Find gaps by lighting a candle and holding the flame near the closed window and door seams. If the flame flickers, air is moving through the seam where there is a gap. Fill those gaps with caulk or weather stripping to form a better barrier against the cold.



These home DIY projects don't take a lot of time to accomplish, and will benefit your home and property during the winter months and as spring arrives. Be sure to put them on your home winterization to-do list each fall, so you can enjoy the winter in comfort.

5 upgrades for under $5,000 to put your home at the top of every buyer's list

(BPT) - It's a sobering truth of real estate that sellers often have to spend money to make money. Even if your home is relatively new, you still face costs associated with getting it ready to show, such as repainting interior rooms or hiring professional cleaners and stagers. If your home could use some TLC and updating, spending as little as $5,000 on key upgrades could improve its appeal for buyers - and ensure a speedier sale at a better price.



Here are five upgrades you can make for under $5,000 to help put your home at the top of every buyer's must-see list.



1. Upgrade your entryway - Replacing an old, dated or worn entry door can be a cost-effective way to ensure buyers get a good first impression when they walk in your house. Whether you choose a fiberglass, wooden or steel model, installing a new entry door can cost a few thousand dollars, yet the return on investment at the time of resale can be significant. A fiberglass entry door returns about 72 percent of its investment, while a steel door recoups more than 100 percent of its value, according to Remodeling Magazine's Cost vs. Value report.



Enhance your new door with attractive plantings, fresh paint and clean windows around the entryway to create a memorable, attractive entry for just a few thousand dollars.



2. Increase natural light - More buyers are becoming aware of the mood- and productivity-enhancing benefits of natural light, and homes with big, bright windows have always been in demand. Adding windows to a room can be a costly, time-consuming affair. Not so with adding a skylight. For well under $5,000 and in just a day or two, a professional can install an Energy Star qualified, solar powered no-leak fresh-air skylight, like those from Velux America. Professional installation costs nationally ranges from around $900 to $2,325, with an average of $1,400, according to HomeAdvisor.com.



The low installation cost will leave you plenty of budget to enhance the skylight upgrade even further with energy efficiency-boosting solar-powered blinds. The skylight and blinds are operated by remote control and the blinds are available in designer colors and patterns to enhance your décor. The products, as well as installation costs, are eligible for a 30 percent federal tax credit to further reduce the cost of the improvement.



The most popular rooms in the home for fresh air skylights are baths, where they provide privacy in addition to natural light, and kitchens, where they vent cooking odors and humidity naturally while brightening this much-used workspace. Visit www.veluxusa.com to learn more.



3. Beautify a master bathroom - Bathrooms and kitchens sell homes. Making a few cosmetic upgrades to even a small master bath can help increase a home's appeal and value. For less than $5,000 you can easily repaint, upgrade faucets, replace old cabinet hardware and add decorative touches like designer towels.



If you've already done all that, take a look at the floor or countertops - two cost-effective upgrades that can wow buyers. Since counters don't make up that much square footage in most bathrooms, replacing them with granite can cost just a couple thousand dollars. Tile flooring is also a relatively inexpensive way to improve a bathroom's look and usability.



4. Heat things up in the kitchen - Kitchen remodels can offer high ROI for sellers, but a full remodel may be outside your budget. If you've already done the obvious - like repainting and decluttering - it's time to look for a few more cost-effective improvements that will appeal to buyers.



Just as in the bathroom, swapping old faucets and cabinet hardware with new designer options can enhance the appeal of a kitchen. Shabby, outdated appliances can hinder a speedy sale, so consider replacing them with new ones. You don't necessarily need to install top-of-the-line, high-priced appliances to make a good impression, either. Newer, Energy Star qualified appliances represent savings for buyers down the road.



5. Lavish landscaping - No single aspect of your home has a greater impact on a buyer's first impression than the landscaping. A great front yard sets the tone for the rest of the home, appealing to buyers on a number of levels, including beauty, practicality and savings.



With $5,000, you can accomplish a lot in terms of landscaping. You can sod a small front yard, add decorative planting beds to a lush lawn, or even install shade trees that will both beautify the yard and enhance the home's energy efficiency in summer. Decorative concrete stamping of walkways and driveways is another cost-effective way to improve a home's curb appeal.



Whether it's a buyer's market or a seller's market, no one wants to see their home linger long before selling. A few simple upgrades can help ensure your home gets plenty of attention this season.

DIY tips to check windows and doors and save on utility costs year-round

The typical American household spends $2,200 a year on energy bills, with nearly half spent on heating and cooling costs, according to ENERGY STAR. Updating your home with more energy-efficient window options like Pella's 350 Series vinyl windows and patio doors can help protect your home from cold weather and save on costly repairs down the road.



"Completing an annual home walk-around is a great way to check for potential maintenance needs and home improvements," says Kathy Krafka Harkema, spokesperson for Pella Windows and Doors. "Look for leaks, feel for drafts, and replace or repair worn or broken items to help avoid more costly damage."



How to inspect windows and doors



* Inspect interior and exterior finishes and the space around them. Is the paint or stain in good condition? Signs of flaking and peeling, or water stains may mean that it's time to refinish or replace the window or door.



* Check windowsills and door tracks for dirt and debris, like sand, leaves, insects or pine needles that could hamper the operation and performance of windows and doors. Remove debris by gently sweeping out the area with a soft, dry brush and vacuuming.



* Check weather stripping around windows and doors, reattaching or replacing loose or torn pieces.



* Feel for uneven sliding and sticking when you open or close a window. Use a non-oily lubricant, like paraffin wax, on the opposing surfaces to help reduce sticking.



* Replace broken or inoperable windows and doors with safer, more energy-efficient ones. Those that do not open and close easily could be a safety risk, especially in the event of a fire.



Here are 10 signs it's time to replace your windows or doors



* Overall poor performance: Windows or doors are difficult to open or close and air leaks in, out or around them.



* Fogging: Condensation or fogging occurs between panes of glass.



* Chipping: There's chipping, peeling or deterioration of the finish on or around the window or door.



* Single-pane: Single-pane windows are less energy-efficient than double or triple-pane options.



* Water logged: Telltale water stains remain on or around the wall or floor area surrounding window or door.



* Out-of-date: Replacement parts for older windows or doors can be hard to find or non-existent.



* Energy inefficient: Drafty, leaky windows and doors can make it more costly to warm your home in the winter and cool it in the summer.



* Draftiness: Drafts can be felt through the window or door when it's closed.



* Unable to open: Windows or doors are painted or nailed shut.



* Won't stay open: The window or door won't open easily or won't stay in place once opened.



To begin your window or door replacement project, visit Pella.com/news for more info on how to connect with a local Pella representative to talk about your replacement project plans, or shop online at PellaatLowes.com.

10 questions for the builder of your energy efficient home

(NC)-Do you want to know if your new home is energy-efficient? Here are some questions to ask your builder:

1. How do I know your homes are truly energy efficient?

2. Since all builders must meet the requirements of the building code, what makes your homes different from other builders' homes?

3. How do your building techniques reflect the latest developments in housing technology?

4. What steps do you take to improve the energy efficiency of the homes you build?

5. Can you predict what my energy costs will be?

6. What makes your homes more environmentally friendly than others?

7. Do you participate in the Government's energy efficiency initiatives for new homes?

8. Do you affix a government-backed energy label to your home?

9. Do independent, licensed professionals inspect the energy efficiency of your homes?

10. Do you build homes that receive an EnerGuide rating of 83 or higher or its equivalent?

If you aren't getting the answers you want, then you better think twice about your builder.

Tips for extending your home into your patio

(BPT) - In warmer weather, patios transform into the ultimate gathering space for backyard barbecues, reading, relaxing or even exercising. These outdoor rooms become an extension of the house, seamlessly merging the outdoors inside and vice versa.



This summer, many homeowners will tackle revamping the home to expand this transformation between indoors and outdoors, developing a patio space that will be used all season long.



Think about outdoor and indoor living spaces collectively, and choose a design that integrates them into one seamless space. Incorporate elements from the patio into the house and elements from inside into your backyard patio design.



Start with a patio door that will set the stage for your transformation.



"The privacy of a backyard allows you to be adventurous when choosing a patio door. With many design options available, it's easy to find the style that suits your home's needs," says Joseph Ritzert, patio door expert for Pella Windows and Doors.



Choose a sleek sliding patio door to compliment or create a clean look, or if you're short on floor space. An elegant French or hinged patio door is a good option for homes with ample open floor space. Durable, easy-to-care-for doors like Pella 350 Series premium vinyl sliding patio doors are great for families with children and high traffic.



Also, select a patio door with accents to create the look you want, like stylish grilles, or convenient between-the-glass blinds or shades for added privacy, plus a variety of hardware, exterior and interior finishes. Many Pella patio doors offer a retractable Rolscreen that helps keep insects out while letting in fresh air, and rolls out of sight when not in use.



Windows are very important to keep the seamless transformation between the room and patio. But more glass means more exposure to the elements. Low-E options, like Pella's InsulShield Advanced Low-E triple-pane glass with argon, can help protect your furniture from fading in direct sunlight, while enhancing your home's energy efficiency.



"If energy efficiency is your top priority, look for a patio door that is Energy Star-qualified to help maximize potential energy savings and year-round comfort," Ritzert says.



Continue your transformation with landscaping both inside and out to combine the areas. If your patio connects to the kitchen, potted herb plants indoors blend beautifully with potted flowers on the patio. In settings where a patio connects to a living room, potted small trees inside connect well with planted trees framing your patio.



Complete your indoor/outdoor gathering space by using similar materials between the two spaces. If you have decorative woodwork inside, bring it out on the deck with furniture, wooden boxes for your potted plants, in the railings (if needed) or even the trim on the house. Or if you have a lot of fabric inside, carry that over to your patio with weather-tolerant fabrics on your patio furniture.



With these transformations, your beautiful patio space will quickly become the top destination in your home - the gathering spot for all family members when they come home from work or their daily activities.

Tips for meeting your financial goals this year

As with any other goal, the key to achieving your financial goals is laying out a process that will ultimately lead you to success.



If you've set yearly financial goals in the past, but have failed to achieve them, now is a great time to re-evaluate your process. And don't let past failures discourage you, because you are not alone - only 12 percent of consumers reached their financial goals in this year, according to a recent Zogby IBOPE survey commissioned by TransUnion, one of the three major credit reporting companies.



"Now is the perfect time to appraise your current financial situation and make goals for where you want to be," says Heather Battison, TransUnion's senior director responsible for consumer education.



So what can you do to ensure financial success in the coming year? TransUnion offers five tips for planning and achieving your goals:



* Check your credit reports every three months. Monitoring your credit can help you recognize bad financial habits, like making late payments, which can affect credit score. Regularly checking your credit report is also a way to protect yourself against identity theft. If you ever run into a situation where you suspect identity theft, TransUnion provides a guide for what to do next.



* Check for accuracy. Make sure the information on your credit reports is up-to-date and reflects your current credit history. Give yourself at least 30 days to resolve any issues. Online dispute forms are available at TransUnion.com.



* Know your score. Your credit score helps determine your interest rates on credit purchases. A healthier credit score can help you receive the best interest rate, ultimately putting more money in your pocket as your work toward achieving your financial goals.



* Create a monthly spending plan and stick to it. Breaking down your spending habits into smaller and more manageable increments can help you achieve your financial goals. Through breaking it down by month, you can also set aside a fixed amount each month to deal with unexpected financial emergencies that may come up later in the year. If you don't have to spend this reserve fund, you can treat it as a year-end bonus, or, even better - put it toward next year's goals.



* Take additional measures to minimize your exposure to identity theft. In addition to frequently checking your credit, you can sign up for a credit monitoring service that will alert you whenever something changes in your report.



Setting yourself up for a successful financial year means developing plans now that you can execute as the year goes on. Additional planning tools to help you understand your credit information, manage your debt load, protect your identity and help you achieve your financial goals can be found TransUnion.com.

Identifying pain medication addiction in your friends; yourself

(BPT) - If you've ever taken them, you know prescription opioids can provide a clinically safe and effective solution to pain management. They can also be very addictive, however, and protecting against addiction requires vigilance on the part of the patient as well as his or her doctors, nurses, caregivers, pharmacists and benefits providers.



A Nation in Pain, Express Script's comprehensive report on pain-medication usage in the United States, shows that while the number of Americans using prescription drugs like codeine, hydrocodone or OxyContin has declined, the use of potentially dangerous high doses and medication combinations, and other risky usage patterns are all on the rise.



If you believe someone you love is abusing pain medication, it's important that you act immediately. Addiction to prescription opioids can be fatal. In fact, death from prescription drug overdoses is more common than cases of cocaine or heroin-related deaths combined.



If you or a loved one uses prescription pain medications, be aware of these signs that could indicate a dependence on or an addiction to the medication.



Suspicious behavior



This can include a wide array of options, such as:



* Seeking or obtaining prescriptions from multiple prescribers and filling at multiple pharmacies, especially ones that are not in close physical proximity.



* Using pain medications to "feel good" rather than to treat discomfort



* Frequent claims that the pharmacy didn't provide enough medication or that medications have been lost



* Avoiding doctor appointments because the office counts pills or performs urine drug screens



Mood changes



A prescription drug addiction can drastically alter the user's mood. Look for the following warning signs in yourself or your loved one:



* Bouts of anger or depression



* Increased alcohol use or abuse



* Feelings of anxiety



* Displays of aggressive behavior toward the doctor, pharmacy or caregivers related to opioid medications



Increased medication use



One of the most conclusive ways to determine if you or someone you love is addicted to opioids is to look for abnormalities in the medication's use. These abnormalities could include:



* Taking more pills or taking medicine more frequently than prescribed



* Seeking early refills of opioid medication



* Using opioids with other high-risk medications, like muscle relaxants and anti-anxiety medications that increase euphoria



* Use of additional medication to treat severe side effects (such as stimulants to combat drowsiness, sedatives to regulate sleep patterns, etc.).



* Experiencing withdrawal symptoms, such as nausea, diarrhea, muscle pain, sweating and agitation. These are all signs of a body's dependence on prescription opioids.



Where can you get help?



If you identify with any of these signs or symptoms or you recognize them in a loved one, notify the prescribing physician immediately. The doctor can alter the pain therapy to a less addictive option or begin to safely withdraw the patient from the medication. Patients should not try to abruptly discontinue any medication without a physician's supervision.



There are many resources for parents and caregivers concerned with opiate dependence/addiction. The patient's physician can refer counseling services and addiction treatment as needed. Support groups, such as Narcotics Anonymous, offer counseling and other services for patients dealing with addiction to pain medications. In addition, many employers offer free, confidential assistance programs to help employees, or their dependents, who are trying to overcome an addiction or other personal concerns.



The one thing you can't afford to do is wait. Addiction to pain medication is an illness, not a crime, and your immediate intervention could save a life.

Why DIY? Projects can pay you back big time

(BPT) - Hiring professionals to get jobs done around the house may be convenient, but it can set your budget back quite a bit. Instead, consider doing it yourself - not only to save big bucks but also to showcase your creativity. Do-it-yourself (DIY) home improvement is a major trend that will pay you back many times over.



Mind-healthy hobby



DIYing is a hobby that many find relaxing, and can be good for the mind, body and soul. For an enjoyable diversion in your spare time, consider reinventing items around the house for a DIY project that you and the whole family can appreciate. Have an old dresser that could use a bit of TLC? Add a coat of paint in your favorite color and updated hardware to make it look brand new. The once impressive chair that your parents passed down may also be in need of a makeover - find a fabulous fabric that matches your design style and use it to reupholster the seat for a fresh look. These projects will not only look good, but will provide a great sense of accomplishment every time you look at them.



Win cash from contests



To give homeowners the encouragement to turn their Pinterest board inspiration into a reality, FrogTape brand painter's tape invites DIYers to submit their painting projects for the fifth annual Earn Your Stripes room makeover contest. The most impressive DIY painting project will win a $5,000 grand prize, while second place collects $2,500, and third place earns $1,000. To enter, document the before, during and after process using a FrogTape product and enter by July 1. Entrants can be as creative as they please with their full room transformations by painting walls, floors, accessories, furniture and more. To enter and see the official rules, visit frogtape.com/earnyourstripes. The prize money could do more than just reward and acknowledge your hard work - you can invest it in your next DIY project.



Saving money



By upcycling items instead of buying brand new, you can save hundreds and even thousands of dollars. In addition, perusing through thrift shops can reveal hidden houseware gems with high potential. Adding your special, creative touch to these items will make them one-of-kind.



Some home improvement tasks on your checklist may also be more feasible to DIY than you think. Those closet shelves you've been pondering or that patio flower garden you've dreamed of can come to fruition in just a weekend; with a little research and the right supplies. However, for the more technical work such as plumbing, structural and electrical work, you may want to enlist a professional for the job.



Make money



As social media has surged in popularity over the last 10 years, so have independent businesses. Pinterest, Instagram and Facebook all provide a platform for self-promotion and many DIYers have used this to their advantage to display their projects for sale. In addition to selling via social media, many opt to sell on websites such as Etsy or Ebay. These websites provide a win-win situation for both the consumer and the DIYer, as the buyer can often request custom items for special occasions typically unavailable at retail stores. Plus, the seller is able to earn cash based solely on their crafting talents.



DIYers can also expand their business and increase profit by creating a blog with tutorials on how they completed certain projects. It takes a lot of passion and patience, but if the website garners a sizable audience, bloggers can make a living from advertising and sponsorships on their site. Bloggers may also have the opportunity to partner with a corporation to use their product in various posts in exchange for compensation.



There are infinite reasons to venture down the DIY path. In addition to cost savings and the rewarding satisfaction of creating pieces on your own, there's always potential to turn your passion into profit.

Is a surveillance camera right for you?

Many people turn to surveillance cameras as a way to make their home and office more secure. There are so many different types of security measures on offer, however, that it can be hard to know which is the right type of equipment for your needs. This article explores the different security measures and tools available and what the advantages and disadvantages of each of them are.



CCTV cameras can be attached to the outside of the building, can be placed over the door step, can be placed inside or can be entirely hidden from view. There are even dummy cameras available that provide a good deterrent aspect but don't actually incur any additional cost of filming. All cameras that can be seen work well as a deterrent. A burglar is far less likely to break into a home when there is the chance they will shown doing so on video surveillance footage. CCTV cameras don't necessarily sound an alarm however if security is breached in some way. In this respect they may be able to film a crime being committed but they won't necessarily be able to put a stop to it. Having the footage available however does mean there is more chance of getting your things back if they have been stolen.



Burglar alarms are another way that people add security to their homes. These have a large number of problems however. First of all burglaries are usually very quick and the perpetrator can be long gone by the time the police or a security firm have arrived on the scene. Secondly the alarm can in some cases be stopped by simply locating the control panel and breaking it. Cats and other animals can also sometimes trip the alarm when they jump through an open window, which can cause problems for everyone.



The ideal solution is to have both surveillance monitoring of some kind as well as a motion sensor, this way you get the best of all worlds. If this stretches the budget too far however then it is better to simply go with some kind of camera equipment. This provides the best value for money in terms of security. In the past it was just the wealthiest members of society who were able to afford security equipment such as cameras, but these days the prices have come right down and now everyone can benefit. Nanny cameras and hidden indoor cameras are another very popular type of security surveillance. Camouflaged cameras can allow you to see things that you would otherwise not be privy to. Parents like to be able to check their nannies are caring for their children well, employers like to be able to check everything is just as it should be in the workplace.



Another scenario in which hidden cameras are ideal is for the use of gathering evidence. If you are being targeted or victimized, having hard evidence to show the police can mean something can be done. Without the proof however the police may be hesitant to take any real action. There is no doubt that cameras are a valuable and versatile security tool. Surveillance can assist in a number of different ways to keep everyone safe and free from harm. If you are unsure of what type you need the first step is to define what exactly you want the security camera for and then decide how much you are willing to spend.



When you search online you will find a host of companies offering surveillance camera equipment and monitoring devices. Make sure you buy from a reputable company with a good website. There is more choice online than in high street shops so it is best to buy your equipment here. From a wildlife camera to tracking devices, go online to find out what is available and get the best prices.



by: Kathryn Dawson

http://www.articlecity.com/articles/home_improvement/article_6339.shtml

Bright and nonconventional colors bring adventure to home decor

(BPT) -When it comes to trends in interior design, the forecast through the future is looking bolder, brighter and more adventurously colorful than has been seen in a while. Up-and-coming palettes are earning descriptions including "youthful," "vibrant" and "positive," heralding the rebounding market's ready return to color.



Color expert and interior designer Barbara Schirmeister equates new, energized color palettes to growing economic confidence, as well as the influence of the youth market.



"As the economy ticks upward, designers and consumers are expressing hopefulness by incorporating statement colors, mixed palettes and vibrant patterns ... inspired by dominant trends aimed at the youth market," says Schirmeister, who has spent decades as a color consultant for companies such as Crossville Tile, Hunter Douglas, American Standard and Motorola.



She explains that today's trends are in contrast to those of the recent past that were more cautious, offered less variety and had longer "shelf lives" - staying popular over time as homeowners were hesitant to change.



"It's as if the market is molting, shedding its cautious colors to display new palettes that are all about getting noticed," she says.



Saturated, bright and nonconventional, colors of the now are more assured with wider options. The hues reflect influences from both nature and technology, mirroring the quest for balance a busy society strives to achieve. Schirmeister cites Argent, a new porcelain tile line by Crossville for which she developed the colors, as an example.



"This product offers 20 colors that engage the entire color wheel. Even the neutral tones incorporate more colorful influence," she describes.



Schirmeister showcases the trends by color collections to describe what consumers can expect to see - and enjoy incorporating - in interior design, in the days ahead.



Warm colors - red extensions



The warm side of the color wheel features red, yellow and orange - colors often associated with excitement, confidence and emotion. The red family is extending in all venues: yellowed, blued, pale and saturated, peach, peony, azalea, and crimson, even into bordeauxs, red violets and oranges. For the coming year, yellows will be uplifting - buttercup, citrus, butterscotch and gold.



Cool hues - clean and clear



On the cool side of the color wheel, which includes green, blue and purple, clean and clear will be the dominant trend. Expect to see jade greens paired with turquoise blues. The greens will be expanding, a trend that hasn't been seen for quite some time. Military, emerald, parrot and even a green almond are glimpses of the trend. In addition, blues are gaining importance. Navy is often taking the place of black, and indigo will continue to be a fashionable, foundational color. Shades of nature-inspired purple are appearing as accessible, support tones.



Neutrals - whites, browns and shades of gray



Neutral colors remain versatile and simple, yet also nod toward color confidence. The gray family, very popular in recent years, continues to have influence, while white neutrals are escalating. Also coming back are the-browns. From camel and bisque to burnt sienna and taupe, these base colors will add complement and contrast to bold color schemes, while nodding to natural influences.



Want to see these color collections in action? Schirmeister suggests looking to online communities like Twitter, Facebook, Pinterest, Instagram and Houzz for inspiration and ideas.



"Social media is driving today's trends. Color lovers constantly post about their passions," she says. "And those exciting, youthful colors we can't resist sharing in our news feeds are already showing up in interior decor."

Inspirational Quote of the day by Thomas Fuller

Great hopes make great men.



-Thomas Fuller

Motivational Quote of the day by Marcus Aurelius

"Life is neither good or evil, but only a place for good and evil."

― Marcus Aurelius, Meditations

Green up your home for health and savings

Did you know we spend as much as 90 percent of our lives indoors and that indoor pollutant levels are often two to five times higher than outdoors? Using the principles of green design will significantly improve your home's indoor environment, leading to better health and well-being for your family.



Simple changes make a big difference. "Many principles of sustainable design and green building can be easily incorporated into your existing home without extensive remodeling," says Lilia Gomez-Lanier, interior design faculty at The Art Institute of Atlanta - Decatur, a branch of The Art Institute of Atlanta. Plus, such improvements can save you money.

Here's how.

Water conservation

"Efficient use of water has become a national as well as a regional concern," says Robert Brown, interior design faculty at The Art Institute of Tennessee - Nashville, a branch of The Art Institute of Atlanta. When replacing appliances or fixtures, look for those that use less water, such as low-flow faucets and shower heads, dual-flush toilets, front-loading washing machines and newer models of dishwashers with two drawers, so you can run small loads. Using less water can add up to big savings on your water bills.

Air quality

With many Americans suffering from asthma and allergies, indoor air quality is more important than ever. Household pollutants like mold, radon, carbon monoxide and toxic chemicals from building materials, household cleaners and pesticides can be health risks. Start by reducing dust and improving ventilation. Clean furniture, floors and carpet regularly. Consider cleaning and sealing heating, ventilation and air conditioning (HVAC) systems. Ensure that range hoods, bathroom fans and gas fireplaces vent to the outdoors.



Eliminate sources of asbestos and lead, and eliminate or properly store air fresheners, pesticides, certain cleaning products and paint, which can emit pollutants. When you redecorate or renovate, look for low- or no-VOC (volatile organic compound) paints, stains, adhesives, carpets and hard surface flooring, as well as wood and bamboo products manufactured without formaldehyde.

Energy conservation

"Energy efficient appliances save you money in your electrical bill, and there may be tax incentives for switching to more efficient systems," says Leslie Roberts, interior design faculty at The Art Institute of Charleston, a branch of The Art Institute of Atlanta. She recommends using a heat pump and a programmable thermostat, adding insulation in walls, ceiling and floor, and insulating windows, window treatments and floor coverings. Gomez-Lanier adds, "Introduce an attic fan and ceiling fans to circulate air and cool the house with less energy. Use heavy draperies to eliminate a lot of direct light and heat." And don't forget energy-efficient light bulbs.

Renewable resources

When remodeling or redecorating your home, reuse existing furniture and building materials where possible. Used furniture - either your own or items purchased at a garage sale or second-hand store - can often be reupholstered and refinished to look new.



At architectural salvage stores you can purchase doors, windows, hardwood floor planks and more. When using new materials, Roberts says, "Choose materials that are produced from rapidly renewable resources, such as wool rugs, bamboo or cork tile flooring." Though these products sometimes cost more, they generally last longer and are a better investment over time.



Purchasing materials with recycled-content is also an environmentally sound choice, helping ensure that recycled materials will be used again to manufacture new products. You can easily find construction materials with recycled content, including drywall, insulation, plastic lumber, kitchen countertops, glass tiles, carpet and padding - even steel.

Help in making green choices in your home

A Leadership in Energy and Environmental Design (LEED)-accredited interior designer can help you make sound environmental choices for your home and prevent expensive mistakes. An interior designer who has achieved this accreditation knows effective green design solutions and keeps up with the newest information about sustainable products.

Start going green at home today. Your family, your wallet and the planet will thank you.

To learn more about The Art Institutes schools, visit www.artinstitutes.edu.

Five questions to ask before hiring a real estate agent

(BPT) - Want to sell your property quickly? Looking for your dream house? Are you hoping to get the best deal possible during the complex process of buying or selling a home? With so much money - and often, emotion - at stake, going it alone is generally not the best way to reach your goals. The secret for getting exactly what you want: Work with a savvy real estate agent.



A qualified real estate agent will streamline the process, help you save money and serve as a liaison with your best interests in mind. But how do you find the right real estate agent? Hundreds or even thousands of real estate professionals may work in your area, but finding the best one for your unique situation doesn't have to be time-consuming.



Remember, you're hiring this individual for his or her expertise and services. Your agent will get a designated percentage of the sale of the house. Depending on negotiations, this cost may be covered by the seller, buyer or split by both. You want someone who will work hard for you, but also someone you are comfortable with because you may be spending a lot of time together.



To find the best real estate agent for you, ask these five critical questions:



1. How many buyers or sellers have you helped in the last year in the area?



An active agent is more likely to be up-to-date on the market, and local and state laws. Furthermore, active agents with experience in your neighborhood, or the neighborhood where you'd like to move, are better positioned to help you because they can provide unique insight that other less-knowledgeable agents cannot.



2. Do you have advanced training?



Any licensed real estate agent can help you buy or sell a home. But an agent who has advanced specialty training is better qualified to assist you. For example, an agent who is an Accredited Buyer's Representative (ABR), has enhanced training focusing specifically on buyers. An agent who is a Certified Distressed Property Expert (CDPE) has special training to deal with short sales and foreclosures. RE/MAX agents on average have more certifications and extra training to better serve buyers and sellers.



3. What services do you offer?



While the majority of people shop for homes online first, having someone on your side through the search and sale process can save time and money. A buyer's agent should help you schedule showings, assist with negotiating the price of the new home, guide you through the paperwork, be there at the closing table, and provide insight through any contingencies during the process.



For sellers, an agent should help set the price of the home, based on a competitive market analysis (CMA). Ask the agent how he or she will market your home (websites, videos, direct mail). Also inquire about assistance with staging and hosting open houses. Then, when the offers come in, the agent can help you with the decision on which one to accept.



4. Who else will be working with me?



The person you hire should do most of the work, but you may work with a support team, too. Additional team members may include mortgage brokers, home inspectors or contractors. If you'd like more information about what it's like to work with an agent, don't be shy about asking for references. You'll get real insight into what it's like to work with that particular professional.



5. How often will I hear from you?



No matter if you're selling or buying, ask how often you'll hear from the agent and make sure that this aligns with your expectations. For buyers: Do you just want to hear when there's a new home that may interest you? Do you want regular check-in calls too? For sellers: Do you want to hear from your agent only after a buyer has toured your home, or do you want to be kept in the loop on a weekly basis?



Buying or selling a home is a complex process most people do only a few times in their lives. Hiring the right real estate agent from a reputable company can give you an edge so you get the best deal possible while meeting all your goals.



You can learn more about the home buying and selling process and find an experienced agent by contacting us in the information on this email. We welcome all!

Is a surveillance camera right for you?

Many people turn to surveillance cameras as a way to make their home and office more secure. There are so many different types of security measures on offer, however, that it can be hard to know which is the right type of equipment for your needs. This article explores the different security measures and tools available and what the advantages and disadvantages of each of them are.



CCTV cameras can be attached to the outside of the building, can be placed over the door step, can be placed inside or can be entirely hidden from view. There are even dummy cameras available that provide a good deterrent aspect but don't actually incur any additional cost of filming. All cameras that can be seen work well as a deterrent. A burglar is far less likely to break into a home when there is the chance they will shown doing so on video surveillance footage. CCTV cameras don't necessarily sound an alarm however if security is breached in some way. In this respect they may be able to film a crime being committed but they won't necessarily be able to put a stop to it. Having the footage available however does mean there is more chance of getting your things back if they have been stolen.



Burglar alarms are another way that people add security to their homes. These have a large number of problems however. First of all burglaries are usually very quick and the perpetrator can be long gone by the time the police or a security firm have arrived on the scene. Secondly the alarm can in some cases be stopped by simply locating the control panel and breaking it. Cats and other animals can also sometimes trip the alarm when they jump through an open window, which can cause problems for everyone.



The ideal solution is to have both surveillance monitoring of some kind as well as a motion sensor, this way you get the best of all worlds. If this stretches the budget too far however then it is better to simply go with some kind of camera equipment. This provides the best value for money in terms of security. In the past it was just the wealthiest members of society who were able to afford security equipment such as cameras, but these days the prices have come down and now everyone can benefit. Nanny cameras and hidden indoor cameras are another very popular type of security surveillance. Camouflaged cameras can allow you to see things that you would otherwise not be privy to. Parents like to be able to check their nannies are caring for their children well, employers like to be able to check everything is just as it should be in the workplace.



Another scenario in which hidden cameras are ideal is for the use of gathering evidence. If you are being targeted or victimized, having hard evidence to show the police can mean something can be done. Without the proof however the police may be hesitant to take any real action. There is no doubt that cameras are a valuable and versatile security tool. Surveillance can assist in a number of different ways to keep everyone safe and free from harm. If you are unsure of what type you need the first step is to define what exactly you want the security camera for and then decide how much you are willing to spend.



When you search online you will find a host of companies offering surveillance camera equipment and monitoring devices. Make sure you buy from a reputable company with a good website. There is more choice online than in high street shops so it is best to buy your equipment here. From a wildlife camera to tracking devices, go online to find out what is available and get the best prices.