Getting Creative With Your Wall Space

Do you have a blank wall with no idea what to put on it? Rethink the boring family photo with these interesting ideas.

Get wordy. Whether you’re a logophile or are just looking to amp up the playful vibe of your space, adding large text to your wall can be innovative and inspirational. You can purchase a variety of word hangings online, or create your own with stencils for a literal conversation starter right on your own wall.

Create a mirror collage. We all know a mirror on the wall can open up a room and throw lots of luscious light. But by using many smaller mirrors to create a pattern or design, you can add the benefit of a unique, boho vibe. Choose mirrors in various shapes or with different frames.

Hang a rug. Remember the old tapestries of your dorm room? Hanging a nice, well-made floor rug on the wall is the adult version of this decorating phenomenon. Whether you want a bold color pop or a bright design, pick a blank wall and go wild.

Vertical plants. Snag some aesthetically pleasing wall planters or sconces and create a botanical masterpiece by popping in your favorite succulents or hanging plants.

Affordable Upgrades for Your Starter Home

You’ve just moved into your starter home—congratulations! But spare cash is limited, and you are eager to show your new home off.

Start with a few cosmetic changes, advise the money editors at Bankrate.com, who offer five easy upgrade projects that can help spruce up a tired living space for a few hundred dollars or less:

1. Start with a power wash. It won’t cost much, but having your home’s exterior professionally power-washed will give it a fresh, bright look—and since curb appeal counts, make sure the lawn is edged, hedges are trimmed and weeds are pulled.
2. Freshen the front door. A new fiberglass door can cost $1,000 or more, but you can get a snazzy new look by simply painting the old door and/or replacing any worn-looking hardware. (While you’re at it, you might replace a tired-looking mailbox.)
3. Paint the interior. For a minimal investment, fresh paint makes any room look cleaner and brighter. It’s your space now, so cover those interior walls with the neutral shades or bolder colors that appeal to you.
4. Improve the lighting. Replace old ceiling fixtures with inexpensive new designs from the home store that may cost less than you imagined. While you’re there, check out modestly priced DIY track lighting, spotlights and accent lights that can brighten and modernize any room.
5. Spruce up the kitchen. Short of replacing cabinets or countertops, you can give your kitchen a new look on a limited budget by painting the existing woodwork and/or changing outdated door and drawer pulls. If your kitchen appliances don’t match, check with the manufacturer about ordering new doors or face panels.
6. Buff up the bath. Adding a pedestal sink can radically and economically change the look of an older bathroom. While you’re thinking economically, you can install a new toilet for less than $200. It will not only look good, but today’s low-flush models will save you money on the water bill.
7. Expand your storage space. Older homes are notoriously short on closet space. A quick trip to the home store can net you a variety of inexpensive closet organizers that may not add much to the look of your home, but will save you from crying over too-cramped closets.

Smart Money Moves to Start New Year

The holiday rush is over, and reality sets in. It’s a New Year with new possibilities. For those who’ve resolved to improve their financial health, Forbes Magazine suggests starting the year with five simple but critical strategies:

Take stock of holiday spending – If you went over budget, take a good, hard look at the damage and make concrete plans to correct it. Will you spend your holiday bonus to pay down debt instead of buying that new set of golf clubs? Can you rein in current spending and free up dollars to pay off a credit card balance?

Assess what you did right – Maybe you paid off a student loan or your largest credit card balance in 2016. Perhaps you managed to set aside some money toward a down payment on a home. Take a moment to pat yourself on the back for what you did right last year financially.  

Make a plan – Now that you feel good about what you accomplished, take the time to plan for 2017. Start by setting realistic new goals and mapping out a plan. Then take steps to achieve your goals, such as setting up an automatic savings deposit or opening a vacation account. If you didn’t accomplish all you wanted last year, this is the time to figure out why and make plans to turn that around.

File necessary quarterly taxes – It’s easy to get distracted while boxing up ornaments and exchanging Christmas sweaters. But if you’re self-employed or own a small business, remember that quarterly taxes need to be paid on or before the IRS deadline of Jan. 17.

Have a family financial chat – It can be tough to achieve financial harmony unless the whole family is onboard. Make sure everyone knows what the goals are this year, and toss around suggestions on the best ways to save, spend, and enjoy.

Start the New Year With a 'First Day' Hike

If you’re looking for a healthy, inspiring way to kick off 2020, trade in your New Year’s Eve dancing shoes for a good pair of hiking boots and participate in a First Day Hike.

On Jan. 1, 2020, state parks in all 50 states—from Maine to California—will be offering free guided hikes. First Day Hikes, which began more than 25 years ago at the Blue Hills Reservation in Massachusetts, are led by park staff members and volunteers who have expert knowledge of their respective locales.

While the distance and difficulty of the trails vary from park to park, First Day Hikes are designed to benefit the entire family, so the activity is something your entire household and friends can participate in—perfect for starting the new year with a strong sense of togetherness and community. Hikers can choose guided hikes that fit their comfort levels, including mountain and hill climbing, walks along lakes, exploring trails that wind through forests and wildlife expeditions.

A First Day Hike also allows you to begin the new year by spending time in nature and tapping into the many health benefits of the outdoors.
 
According to Lewis Ledford, executive director of the National Association of State Park Directors, "Recent research is confirming the benefits of spending just 30 minutes a week in nature, and what better way to start a new healthy habit for 2020 than taking advantage of hikes being offered in state parks across the nation. Our hope is that this event will stimulate a passion for the outdoors and a desire to explore our local treasures throughout the entire year."

No matter where you live or what your climate, whether it be snow in the North and across the Rockies, or mild temperatures across the South and Southwest, First Day Hikes offer you the chance to appreciate the unique beauty of your region.

5 Sneaky Ways to Organize Your Home

There are days when clutter seems to grow of its own accord, and you can’t seem to keep up with it. At some point, every little cache of stuff will have to be attended to. But, say the clutter-busters at Good Housekeeping Magazine, there are lots of sneaky things you can do to make your home look neat and organized even on its worst days:

Mail, receipts and miscellaneous papers. Set up a pretty inbox—an attractive, decorated box with a lid—on your kitchen counter to hold the mail, receipts and other paperwork you intend to get to within the week. If guests turn up, just pop the lid on the box to hide the clutter.

Recipes. If you’re a recipe collector who is slow to file those gems away, buy a few self-adhesive pocketed organizers to stick onto the inside of cabinet doors. Tucking recipes (or whatever) into the organizers will help keep countertops clear. You can also stick an erasable bulletin board inside a kitchen cabinet for posting appointment reminders, phone numbers, and more.

Kitchen Tools. If you can never find the zester or potato peeler when you need them, a set of expandable drawer organizers will allow you to put things in order in a matter of minutes.

Under the Sink. As with most homeowners, you likely have a stash of boxes, bottles, cleaners and other stuff under the kitchen sink and a tangle of paper goods and beauty supplies under the bathroom sink. Maximize the space under any sink with double-decker storage racks and bins.

Playroom. Is the playroom floor always full of small toys and puzzle pieces? Throw a couple hula hoops around a few of them and challenge the kids to stow away the stuff within ‘their’ hula hoop, continuing until everything is stored away. Alternatively, buy a steamer trunk or a lidded ottoman so that you can quickly and easily hide toys and games.

5 Home Improvements You Can Do for Less Than $250

While you might have some-day plans for redoing the kitchen or finishing the basement, while you’re waiting, you can chip away at smaller improvements around the house that are well within your budget, yet will make a big difference in your daily life. Plus, these projects can be done in a weekend and won’t cause a lot of mess and disruption. Try one of the following:

1. Paint a room. Nothing makes a dramatic change more quickly than painting a room...or two. A couple gallons of paint, rollers, tape and drop cloths will be well within your $250 budget.
2. Install new cabinet hardware. When it comes to interior design, it’s all in the details. Shop around for new knobs and drawer pulls for your kitchen cabinets. Depending upon your taste and the size of your kitchen, this project can fall within your price range.
3. Plant a tree or some shrubs. Improving your home happens on the outside, as well. Invest $250 in drought-tolerant evergreen shrubs or bushes to beautify your landscaping for the long-term.
4. Tile a bathroom floor. You can take care of a small bathroom floor if you have some DIY skills. Most natural stone tiles cost between $5 - $10 per square foot, so you should be able to stay within your budget.
5. Install a water filtration system. This feature will add a little low-cost luxury to your kitchen and save you from buying all that bottled water. It’s also a nice touch when it comes to resale value. 

Remember, when it comes to working on your home, every improvement matters, even the small ones.

The Importance of a Fire Plan

If a fire breaks out in your home, every second counts. Most people understand the importance of smoke alarms and how they can be lifesaving in the case of an emergency, but equally important is having a fire plan for your family so everyone knows what to do if a fire does break out.

The National Fire Protection Association offers guidelines that can help people put together a plan. Here are some things you should do:

First, gather your family and talk about how the most important thing to do if a fire breaks out is to leave the house immediately. Don’t run into a room to grab photos or a beloved heirloom. Don’t stop to find your sneakers. Just leave the house. Fire spreads quickly and even if flames haven’t gotten to the room where you want to save something, you could find yourself trapped.

A great thing to do is go through your home and look at all the possible exits and escape routes so you know what to do if you do wind up being trapped. Those with children should consider drawing a floor plan of your home, marking the ways out of each room.

Walk through your plan and check to make sure the routes are clear and doors and windows can be opened easily. You may think you have an easy out of a window, but if it’s stuck and won’t open easily, it could lead to disaster.

If there are infants, older adults or family members with mobility limitations in the house, make sure that someone is assigned to assist them in in the event of an emergency. And have a backup in case that person isn’t home if a fire were to break out.

For those with rooms on an upper level, having escape ladders is a good way to ensure that there will be a way out, even if the fire has permeated the floor. Practice setting up the ladder from a first-floor window to make sure you can do it correctly and quickly. And store it in a place that’s easy to get to (like under the bed) so you can find it right away if needed.

Choose an outside meeting place a safe distance in front of your home where everyone can meet after they’ve left the house so you know everyone is safe. And never go back in the home. Your mind might start thinking about that valuable vase or irreplaceable collectible, but your life is worth more than anything ever could be. Once out of the home, remain out and let the fire department come and do their job.

It’s a good idea to run a fire drill at least once a year so you can make sure everyone knows what to do and there will be less uncertainty if a future fire event does happen.

Incentives You Can Offer a Homebuyer to Close the Deal

Sometimes a house lingers on the market for weeks or months without attracting a buyer. In other cases, a seller needs to close a deal quickly for personal reasons, such as to start a new job. If you want to sell your home soon, you can provide incentives to attract a buyer.

Items You Can Offer to Sweeten the Deal
Some buyers view a beautifully staged home and fall in love with the house and all the furniture. Others want to avoid the hassle of shopping for furniture and having it delivered and would prefer to simply move into the house. If you’re downsizing or don’t want to transport your furniture over a long distance, you can offer it as an incentive. If your home has any other unique features, such as artwork or antiques, you might be able to throw them in with the sale of the house.

Financial Incentives That Can Help You Attract a Buyer
If the home inspection uncovered problems that need to be repaired, going through the process of finding a contractor and having the work done might hold up the closing. As an alternative, you can offer the buyer money for repairs at the time of closing as an incentive.

If you need to close by a specific date, you can give the buyer a financial credit or bonus as an incentive to meet your deadline. You can also offer a bonus commission to the agent representing the buyer to speed things along.

Buyers often feel overwhelmed by all the bills associated with closing, such as escrow fees, title insurance, inspection fees, homeowners insurance, private mortgage insurance and taxes. Offering to cover some of these costs yourself may help you entice a buyer or convince someone to choose your house instead of another.

You also might be able to help a prospective buyer who’d need a mortgage to buy your house save money over the long run. Lenders generally offer interest rates based on market conditions at the time that a mortgage is obtained, but buyers can pay points, or upfront fees, that lower the interest rate over the life of the loan. A seller can also pay points on the buyer’s behalf and lower the interest rate as an incentive to convince the buyer to purchase the house.

Stand Out From the Competition
In a buyer’s market, simply having an attractive and well-maintained house and offering it at a reasonable price may not be enough. If your house has been slow to sell, or if you’re facing a deadline and need to speed up the process, offering incentives to a buyer may help you close the deal faster. You can advertise those incentives up front or offer them later if a buyer is on the fence. Discuss possible incentives and strategies with your real estate agent.

5 Improvements That Increase Your Home Value

Before you put your home on the market, it’s important to make sure everything’s in tip-top shape in order to maximize value. One of the challenges, however, is knowing which improvements are going to make a difference. Here are five updates that buyers are willing to shell out a little extra cash for.

Updated Kitchen
The kitchen is the heart of the home, and it can often make or break how buyers feel about a residence. You don’t have to undergo a top-to-bottom remodel before listing your house, but upgrading your appliances and replacing dated countertops can transform your cooking space.

Outdoor Living
High-end buyers are looking for homes with outdoor spaces where they can both enjoy family time and entertain. If your patio or deck is looking a bit tired, you can make it more appealing by adding a fire pit or barbecue area where people can envision themselves hanging out.

Eco-Friendly Features
Spend a little more money to make your home eco-friendly and you’ll surely see a return on your investment. Energy-efficient windows and appliances have major appeal to buyers who are looking to lower their impact on the environment while also lowering their utility bills.

Well-Appointed Bathrooms
If you want your home to fetch top dollar, you better have luxurious bathrooms. High-quality fixtures for the sinks, showers and baths are a must. It doesn’t have to be a total overhaul, but refreshing the bathrooms with new tiles and countertops can go a long way in the eyes of potential buyers.

Curb Appeal
You only have one chance to make a first impression. When buyers arrive at your home, they’re going to have formed an opinion before they even step inside. A new front porch or walkway can pay off when it’s time to sell your home.

If you’d like more insight into how to get your home ready to sell, I’d be happy to discuss further and provide you with personalized advice for your property.

5 Ways to Prevent Wildlife From Invading Your Home

Squirrels, raccoons, opossums, bats–these types of so-called “nuisance wildlife” often try to find shelter in and around homes, especially through attics and basements. In addition to being unwelcome guests, wild animals can damage property and pose serious health risks.

To help you critter-proof your property, the National Pest Management Association (NMPA) offers the following five tips:

Screen Vents
Raccoons and squirrels often find their way into homes via uncapped chimneys, broken vents and other openings along rooflines. Ensure that these items are fully screened to prevent wild animals from making your home their own.

Cover the Trash
Many types of nuisance wildlife, especially raccoons, are attracted to piles of trash left outside. You should store all garbage bags in plastic containers with sealed lids to make it difficult for animals to dine on your leftovers.

Cut Back Vegetation

Squirrels and other small wildlife are known to use tree branches to gain access to rooflines, where they can then find a number of ways to move indoors. Be sure to cut back any tree limbs or branches that hang too close to the foundation. A good rule of thumb is to keep vegetation at least 6 to 8 feet from the roofline.

Clean up the Yard
Don’t let brush, leaf piles or other debris accumulate in the yard, as these materials make the ideal harborage site for small animals. Also, make sure firewood is stored at least 20 feet away from the house during the cooler months.

Keep Bird Feeders Out of Reach
Ensure bird feeders are only accessible to birds. Squirrels, raccoons, opossums and even bears are drawn to birdseed. Homeowners should also place birdbaths where small animals can’t reach them. Birdbaths and fountains may attract wildlife to the property, especially in areas where water is scarce.

If you encounter nuisance wildlife on your property, the NMPA says it’s extremely important to contact a local wildlife control specialist or pest control professional instead of attempting to trap and remove the animal on your own.

How to Head Off a Plumbing Nightmare

From the annoyance of a clogged drain to the nightmare of a flooded basement, plumbing problems can wreak a wide variety of havoc on a homeowner’s life.

What many don’t realize, however, is that most of these problems are avoidable with a little preventative maintenance. If you wait for an issue to become obvious, the damage may already be done and the necessary repairs expensive. So grab your clipboard and a flashlight, and perform the following inspections recommended by Harts Services.

1. Survey the outside of your home. Take a close look at storm drains, gutters, pipe vents and downspouts to make sure they’re properly cleaned. If they’re clogged with debris, that could prevent water from flowing freely and cause it to leak into your home. Be sure to also check outdoor faucets for drips, which could be a sign of cracks.

2. Test your sump pump. If you have a sump pump in your basement, pour a gallon of water into the pit. This should activate the pump and cause it to push the excess water out through the drain pipe. If this doesn’t happen, something’s wrong. Contact a professional to get your sump pump back in good working condition.

3. Check out your kitchen sink. Clear out everything from under the kitchen sink to get a good look at your pipes. Make sure there are no leaks, then run hot water down the drain for 15 minutes. This will help clean out the drain and also give you a chance to see how well it’s draining. If you have a garbage disposal, throw a few ice cubes down the drain, run the cold water, then turn the disposal on. This will help clean the blades.

4. Check out the bathroom. Remove showerheads and soak them for an hour in vinegar to help remove sediment build-up. Check the flushing mechanism in your toilet tank to make sure it’s functioning properly, making sure the tank refills within one minute. If you suspect a leak in your toilet bowl, add food coloring to the toilet tank, then wait 30 minutes. Flush, and if the coloring appears in the toilet bowl, that means the tank is leaking into the bowl. Time to call a professional.

5. Find invisible leaks. Finally, do a check for any invisible leaks in your home. You can do this by shutting off your main water valve. Then check your water meter’s leak indicator for any water movement. If you discover anything, contact a plumbing professional right away.

Performing this simple inspection will allow you to discover any potential issues before they become costly problems. The peace of mind is a worthwhile trade-off for the time it will take you.