Three home improvement tips to help you breathe easier

(BPT) - One in five Americans suffer from allergies, according to the Asthma and Allergy Foundation of America (AAFA). As the allergy season begins, experts warn that it may be one of the worst in recent years, with people experiencing an unusually strong reaction due to increased tree pollen.



But little attention is paid to the impact of indoor air on allergies, asthma and general health. We spend an average of approximately 90 percent or more of our time indoors, according to the Environmental Protection Agency (EPA). The EPA reports that "indoor levels of pollutants may be two to five times higher, and occasionally more than 100 times higher, than outdoor levels."



How does this impact your next home improvement project? A survey by Angie's List revealed Americans spend more than $300 billion annually on remodeling projects. Yet these endeavors typically focus solely on a home's aesthetics while ignoring one important consideration: Is your home healthy?



Start at the bottom



We all want beautiful floors in our homes. Many people, however, don't realize that some new flooring can threaten your indoor air quality. When flooring is installed, you may notice an odor for a few days or even weeks. The odor might mean noxious gases are emitting from the materials used during installation. And these emissions, particularly those resulting from volatile organic compounds (VOCs), could potentially have serious, long-term effects on your health - as well as an immediate impact on the health of family members with asthma or allergies.



The good news is gorgeous flooring options are now available that are certified "asthma and allergy friendly" by the Asthma and Allergy Foundation of America. Tarkett Flooring committed resources toward developing flooring solutions which help people breathe easier. The company's FiberFloor is the industry's only residential flooring currently certified by the AAFA. To earn this certification, the flooring underwent rigorous testing by the AAFA and successfully met the following criteria:



* Installation of the flooring does not result in elevated levels of chemicals.



* The flooring has a low capacity for retaining allergens.



* The recommended cleaning of the flooring will not result in exposure to airborne allergens.



Additionally, other flooring options offered by Tarkett, such as its luxury vinyl tiles and planks and laminates, are FloorScore-certified by the Resilient Floor Covering Institute (RFCI) together with Scientific Certification Systems for better indoor air quality.



Tarkett's "iSelect" program simplifies flooring options and introduces customers to an interactive, multi-faceted shopping experience.- The system begins with six inspirational color families: Champagne Celebrations, Hushed Conversations, Earthy Connections, Evening Receptions, Fireside Chats, and Warm Gatherings - each offering its own feel and color space to help you find the perfect floor to meet your design, durability and health needs while also coordinating with your existing furnishings and adjoining floors.



Spring for PVC-free accessories



Did you know that your shower curtain can be one of the greatest sources of noxious gas in your home? Many homeowners purchase PVC shower curtains and liners because of their functionality and ease of cleaning. However, according to "Practically Green," a website for people interested in green living, a recent study "found that 108 different volatile organic compounds, including those known to cause developmental, liver, nervous system, respiratory and reproductive damage, were released into indoor air by PVC shower curtains." Replacing current shower curtains and liners with PVC-free products are quick and inexpensive fixes that will make your bathrooms healthier for the whole family.



Manage mold and mildew



If you're noticing moisture or mold building up on your windows, have your home checked by an energy rater or a building analyst. To prevent moisture from getting in your windows, select windows made with double pane, insulated glass to create an insulating barrier and keep moisture, mildew or mold from developing. For added energy savings, you can opt for a Low Emissivity or "Lo-E" coating to keep heat from radiating beyond the side of the window where it originated. You'll save on your heating and air conditioning bills while also minding your health.



Home improvements should be a proud reminder that your home is your castle and you treat it well. This year, consider investing in simple projects that can also improve the health of the castle's residents.

How to turn must-do home improvements into things of beauty

(BPT) - When it comes to

When "want to" and "have to" meet, they create the opportunity to make a smart buying decision - and choose an upgrade that will look good and improve the livability of your home. The key to making smart home improvement decisions is to recognize these opportunities and take full advantage of them.



Here are a few "have to" improvements that have the potential to turn into a good-looking, energy-efficient, enjoyment-enhancing "want to."



Replacing the hot water heater



You probably don't care what a new hot water heater looks like sitting in your garage or basement - or wherever it resides in your home. But the right replacement water heater can help your house achieve a lovely shade of green. High energy-efficiency water heaters can help reduce energy usage, thereby trimming your energy bills and your home's environmental impact. Solar water heating systems take the beauty a step further by using the power of the sun, collected through low-profile solar panels on the roof, to heat water - at a monthly savings that's about 80 percent less than the cost of traditional heaters.



Getting some light in here



Do you really need a bunch of scientific studies to tell you that a home filled with natural light just feels better? Probably not. Illuminating your home with natural light is a smart buying decision on multiple levels. First, you don't pay to power the sun. Second, natural light delivers a host of mood-enhancing benefits. If you have the wall space, by all means add some windows.



But for rooms where a window is impossible (like a powder room) or where you don't want to sacrifice privacy (like a master bathroom) a tubular skylight is a good alternative. Some are easy enough to install that a seasoned do-it-yourselfer could accomplish the task. They cost less than traditional skylights and bring natural light to hard-to-light areas like closets, hallways and other small spaces.



Getting some air in here



Just as natural sun is good for your mood, ventilation can be good for your health. An Energy Star qualified venting skylight is a great way to passively vent stale, moist air from inside your home, especially from baths and kitchens. While some skylights are "fixed," those that do open can be controlled by a remote to open when you want fresh air and close when you want to retain warmth. They can also close automatically in case of rain. In addition, they introduce free light into your home. Adding blinds - also remote-controlled - can help you better control the amount of sun a skylight admits into your home. And blinds are not just functional - you can get them in colors and patterns to complement your decor while increasing energy efficiency. Compared to other venting solutions, a skylight is a relatively low-cost, great-looking way to address ventilation issues while adding drama to a space. Log on to www.veluxusa.com to learn more about skylights.



When one door opens ...



Beat up, weathered garage and front doors not only look bad, they can be a source of air leaks that make your heating, ventilation and cooling system work harder. Exterior doors aren't something you buy every day, but they can have a big impact on how your home looks and on its energy efficiency. They can definitely be a smart buying decision if you opt for doors that not only look good, but are also highly rated for energy efficiency. If you're not sure how to choose, look online, where you'll find guides for buying garage doors and front doors.

How to plan a memorable multigenerational vacation

"Multigenerational family travel is character building," says Julie Henning, writer and contributor for destination and activity website LiveLifeLocal.com. "In exploring new places with the people who already know your strengths and flaws - and love you anyway - you can come together in a way that otherwise wouldn't happen at a holiday or reunion."



Planning a trip for the whole family doesn't have to be intimidating. With a few simple tips, it's easy to coordinate a vacation everyone will enjoy:



1. Keep a "group" mindset



Whether you're orchestrating an elaborate vacation where the whole group flies across the country, or you're road-tripping, picking up the grandparents along the way, keep the lines of communication open.



"Planning a multigenerational trip is a little bit like planning a wedding," says Henning. "If you can remember the trip is not just about you, but a time of celebration for the entire family, chances are you'll have much fonder memories."



2. Plan together



"If you have more than one 'planner' in the group, involve them all in creating the agenda as much as possible," advises Henning. This will help ensure everyone provides input and the responsibilities are spread between multiple people.



Online travel sites make it easy to plan multigenerational trips, even if families live in different locations. LiveLifeLocal.com, created by Safeco Insurance, allows users to discover unique destinations, read reviews and map out their travel route at no cost. You can research and save preferred activities to a "collection" on your online vacation portfolio, which can then be shared with your family via email, Facebook or Twitter, making planning a snap.



3. Communicate budgets



It's important to be open about your vacation budget and expectations to avoid any awkward moments and unintended expenses once you've arrived at your destination. Be sure to talk about who is paying for what, or if it will be split equally. With so many people involved, the cost of multigenerational vacations can add up quickly, and no one wants to be surprised by going over-budget.



4. Pack and prepare



Preparing to leave is one of the most difficult parts of multigenerational travel. Each age group will need different things - your toddler needs diapers and her favorite blanket, your teen needs his favorite mobile device and charger, and the grandparents need to make sure they pack any necessary medications. Make lists and start packing early to eliminate the last-minute rush.



If you're driving, make sure the car gets a tune-up before you leave. If you're meeting up with the grandparents to use their RV, remind them to have any necessary maintenance done before you arrive. Properly winterizing and preparing RVs, boats and other vehicles is important for a headache-free multigenerational trip ... and just good sense overall. Check with your insurance company to see if towing is covered under your plan in case the need ever arises.



5. Cherish meal time



"In many families, mealtime is when everyone comes together to share their days and reconnect," says Henning. "On a trip, this can be at a restaurant, picnic at the beach, or from the comforts of a vacation home. Make an effort to enjoy regional food, shop at the local farmers market, or cook the meal your family enjoys most."



6. Expect the unexpected



Remember that nothing is perfect, including your vacation. Be patient and understand flexibility will go a long way toward ensuring a smooth, stress-free vacation.



"Leave time for something to go wrong," advises Henning. "Camera batteries run out, room keys disappear, and bathroom breaks happen. Keep in mind that everyone needs some down time, even from the people they love most."



Make this holiday one to remember by planning a multigenerational trip now. These tips will help you create a vacation itinerary everyone will love, helping to forge new bonds and traditions while creating memories to last a lifetime.

Motivational Quote of the day by Sarah Ban Breathnach

The authentic self is the soul made visible.



-Sarah Ban Breathnach

Glery Ross Launch Party

We want to thank everyone that was able to attend the Glery Ross Group launch event, what a turn out! We hope that everyone enjoyed the event. We value your friendship and want to thank you for working with us. We look forward to working with you and those you refer us into the future!

Creating a bathroom that maximizes safety without sacrificing style

For today's generation of aging adults, individuality and independence are values they've lived out for decades. As the years go by, lifestyle changes become a necessity, due to limited mobility and health concerns, but it doesn't necessarily mean giving up personality.



Aging in place, in the comfort of your home, is a priority for countless people. That often means making adjustments to your home, but some alterations can contribute to making your space feel more institutional and less "you." A balance between style and safety is the key - and finding it is easier than you might think.



One of the most hazardous rooms in the home is the bathroom. Its slippery surfaces and tendency to be crowded with products and objects makes it a hazard for slipping, tripping and other mishaps. As you consider making alterations to your home that enhance security and safety, it's the logical place to start.



* Clear away clutter. Bottles and jars and grooming tools frequently crowd counters, closets and the corners of tubs and showers. Make use of hangers, shelves and wall-mounted baskets to keep things neatly tucked away, providing a cleaner environment that's also better looking and less likely to cause trips or spills.



* Bathe in safety. With limited mobility, moving in and out of the tub can be difficult, if not downright dangerous. One renovation solution to that problem is installing a walk-in tub. Walk-in baths and EasyAccess showers configure to your existing space and allow you to maintain the look of your bathroom while enjoying greater ease.



* Choose rugs carefully. Bath mats and rugs are both functional and decorative. They can add a splash of color while also effectively collecting water that might otherwise pool on the floor and lead to slipping. However, rugs that don't stay in place can present a problem of their own and lead you to trip. Opt for mats and rugs that have non-skid backing, but which still look harmonious with the rest of your bathroom decor.



* Bring things up to the right height. Your bathroom routine can be an active one, which can present problems if your health limits your ability to move or bend easily. Having a commode and a sink at a higher level that prevents you from overexertion during your daily routine will add to the comfort and safety of your bathroom. And with options like Premier Care in Bathing's easy-access sink, you can integrate these new fixtures into your room while maintaining your existing decorative theme.



One of the most important parts of maintaining independence throughout aging is being able to uphold your sense of self. Taking a holistic approach to creating a home environment that meets your needs but still expresses who you are enables you to live life as you choose for a long time to come.

Renovation loans give homebuyers an edge in a competitive market

"Move-in-ready homes may be selling like hotcakes, but older homes or damaged properties are often passed over," says Margaret Kelly, CEO with RE/MAX. "This is a big opportunity for smart buyers who are willing to overlook cosmetic or other imperfections."



If buyers can look beyond aesthetic characteristics like paint color, hardware and floor coverings, they may discover a diamond in the rough, especially if the home is in the neighborhood where they prefer to live. For example, if they like the overall design of a particular home, but the kitchen is old and the deck needs major repairs, a renovation loan can help them purchase the property while upgrading the kitchen and outdoor space exactly how they want them.



"Many homebuyers are surprised you don't need a ton of money in the bank to fund improvements," explains Kelly. "A special type of loan called a renovation loan is ideal for these types of homes because it covers both the cost of the mortgage and repairs."



Renovation loans can also help buyers who want to purchase in a particular neighborhood where most home prices exceed their budget. Properties that need work are typically listed at a lower cost and often go unsold, creating an opportunity for people willing to make improvements. Buyers can use a renovation loan to get into the neighborhood of their dreams, quickly build equity and customize a home to their personal preferences.



Several variations of renovation loans are available. FHA renovation loans are called 203(k) loans. How much money you want to borrow and the kinds of improvements you plan to make will determine which of the two 203(k) types you need. Freddie Mac and Fannie Mae have their own specific types of renovation loans.



Requirements for the borrower, the amount you can borrow, and the overall structure of the loan are different for each program. Typically, the loan is based on the estimated home value after improvements, and buyers will need to get bids from licensed contractors to help determine the total loan amount as well as a timeline for the work to be completed.



Because finding a home and getting approval of a renovation loan can be complicated, it's wise for buyers to work with a real estate specialist who has experience in these types of sales. For example, RE/MAX agents lead the industry in professional designations and many have experience working with buyers who want a renovation loan. Visit www.remax.com to find an agent in your area.



"A renovation loan really does give homebuyers an edge in today's competitive market," says Kelly. "It's definitely something to research and determine whether it's right for you."