Gunning Daily News

Word of the Day

July 26, 2012 6:02 pm

Open listing. Listing that gives a broker a nonexclusive right to find a buyer; the owner can still find a buyer himself and avoid a commission.

Q: What Is the Most Common Type of Contract for Listing Properties?

July 26, 2012 6:02 pm

A: The exclusive right to sell. It gives the real estate broker the exclusive right to sell your home during the term of the listing. If a sale occurs – even if you sell the home yourself – the broker gets a commission. The broker may share the listing with other brokers on the Multiple Listing Service (MLS) to get the widest possible exposure for your home. If you request that the property not be listed on a multiple basis, only the broker named in the contract and his or her sales agents can market and show it.

Best of the 2012 Idea House – Part 1

July 25, 2012 5:50 pm

I look forward to each July when Southern Living unveils its annual Idea House - and this July was no different. Just a tad southwest of Atlanta is quaint and rural Senoi, Ga., home of the Southern Living 2012 Idea House.

Again this year, my friends at Ballard Designs teamed up with Southern Living to furnish and decorate this historic farmhouse renovation. So in the next couple of segments we’ll take a peek at the Top 10 Ballard accessories or furnishings that are helping to breathe new life into this 1830s-era home.

Here are the first five:

1. Braided Jute Rug - a bit dressier than traditional jutes, Ballard’s jute collection for the Idea House is extra thick and feels surprisingly soft, even on bare feet. Hand-woven of golden 100 percent jute and finished with thick, hand knotted 3" fringe, the rugs offer slip resistant latex backing for added durability - and start at about $39.

2. Take Ballard's Hand Made leather hanging mirror wherever you need it. A popular decorative piece that recalls the work of designer Jacques Adnet for Parisian design house Hermes in the 1950s, this simple round mirror is wrapped in rich chestnut leather and hangs from a leather strap secured by three metal belt buckles, imitating the sleek look of equestrian hardware. Priced at $449.

3. The Idea House’s Rutland Counter Stool embodies pure, simple design with a sculptural look that works with any décor. Perfect for perching indoors or out, the gently curved back is just the right height and comfortable shape, and features a powder coat that resists rust and moisture. Priced at $139.

4. The Niles Double Coat Rack has similar appeal to the Rutland stools. Load up the double hanging rails with guests' coats during the holidays and off–season clothing the rest of the year. Two lattice shelves hold boots, hats and bags. Priced at $179.

5. The comfortable, tufted burlap seat gives the rustic industrial look a touch of sophistication. A cushioned seat lifts off for storing extra bedding, magazines or towels. Crafted of weathered wood slats hand tied with wire and stenciled on each side, the bench also features cutout handles for easy carrying. Priced at $349.

Want to check out more 2012 Idea House accessories and furnishings? Check out the next installment or visit ballarddesigns.com. And to learn about visiting the Senoia area and the 2012 Idea House through December 23, visit southernliving.com.

7 Tips to Saving Money while Preparing Your Kids for School

July 25, 2012 5:50 pm

Preparing your kids for school can be an extremely busy time, putting a damper on the end of your summer .But with some simple planning, it can be a manageable and less stressful process. For many Americans struggling with debt problems, the end of summer is an anxious time because school supplies, sports gear, updated clothing and other necessities can be expensive, but there are things every parent can do.

"It is important to take an objective look at what your children need for school and what you can afford," says Etta Money, InCharge's President. "We all want to do everything we can for our kids, but for those dealing with limited financial resources or debt problems, the task can be overwhelming.”

Here are seven things every parent of school-age kids should do:
1. Prepare a written budget – Just as you would prepare a guide to your overall expenses, a detailed written plan to follow as you prepare your kids for school is vital.
2. Do an inventory – Take stock of what supplies you have on hand, what you and the kids can make yourselves, and what clothing can be used again for the new school year.
3. Develop a shopping list – Eliminate what you already have from your list and write down everything you need to buy to get your student(s) ready for school to open.
4. Look for deals – With a month or more to go, you have plenty of time to shop online for deals, look for coupons, and search the local papers for sales.
5. Plug in the numbers – armed with the best deals you can make, take the numbers you have discovered for the items you need and work them into your household budget.
6. Cut where needed – If the numbers don't work, you may need to spread out purchases, or make some cuts, either in the school budget or your household expenses.
7. Make your purchases – It's time to buy, but don't forget to distinguish between "needs" and "wants."

Source: www.InCharge.org

Chalkboard Craft Projects to Help You Organize

July 25, 2012 5:50 pm

(ARA) - Everyone's life needs a bit of organization - so why not do it with a bit of fun and whimsy? For a new way to get organized, think charming, unique ... think chalkboard paint. That's right, the old-school chalkboard is making a stylish comeback. And with a bit of hands-on creativity, your home can be organized, stylish and enjoyable.

Definable drawers
Is your home being overrun with clutter? The best way to overcome clutter - and keep everything tidy - is to ensure everything has its place. Labeling is a great way to stay organized and alert family members where items are - and where to put them away. Using stickers and markers for identification can sometimes look plain and boring, and are more permanent. Luckily, there is another way to label: chalkboard paint.

Drawers are ideal for storage and come in a variety of sizes to store anything from toys to jewelry. Plus, you can find great deals on old sets at yard sales or thrift stores. To start, simply clean and paint your drawers in a color that coordinates with your room's decor. Once the paint is dry, create a border around the front of each drawer with painter's tape. Next, spray several even coats of chalkboard spray paint inside the taped area. When the entire project is dry, use chalk to identify the contents of each drawer. And, don't limit yourself to white chalk. Colored chalk can add a stylish twist to your project.

Time to...
To organize your schedule - or your whole family's - keep track of time with a fun and creative schedule clock. This unique project replaces traditional hours and minutes with your daily activities.

Start by finding a large, flat, wall-hanging clock and carefully remove the hands. Then, apply a coat of indoor/outdoor charcoal black primer to cover the entire clock, making it the same even color. Once the primer has dried, apply three coats of chalkboard spray paint. Finally, when the clock is fully dry, reattach the clock hands and finish by designating certain hours for your daily tasks. This project is especially ideal for young children who don't yet know how to tell time; simply use drawings to help them know when it is time for their activities and you'll avoid the everyday question of "is it time to (fill in the blank) yet?"

Labels for entertaining tables
When entertaining guests, you want them to feel welcome and at home. Adding personal messages or labels can be the solution to put your party over the top. Chalkboard paint can be the perfect addition to many of your go-to entertainment pieces. Spray the base of your wine glasses and label with guests' names to keep track of drinks. Spray the fronts of buckets, bowls or canisters to call out their contents. Spray a large platter or board to create a welcome sign or menu for your guests. The ideas are endless.

Soon, your home will feel more organized and stylish with these easy and delightful craft ideas. And the best thing about a chalkboard is you can constantly change it up. Simply erase and write something new.

Source: www.krylon.com.

Stay Safe while Boating This Summer

July 25, 2012 5:50 pm

Summer means tons of fun on the water, from lounging at the beach to swimming, surfing and boating. But it’s also important to keep safety in mind. In 2011, the Coast Guard counted 4,588 accidents that involved 758 deaths, 3,081 injuries and approximately $52 million dollars of damage to property as a result of recreational boating accidents. Of those who drowned, 84 percent were not wearing life jackets.

"The statistics show that no matter where you are boating, following boating safety, being properly prepared and equipped, and always wearing a life jacket can help save many lives," says Virgil Chambers, executive director of the National Safe Boating Council. "Accidents on the water happen much too fast to reach and put on a stowed life jacket. With the variety, comfort and style of today's life jackets, there's no reason why you, your family and friends, can't have fun on the water while always choosing to wear a life jacket."

To prevent drowning and promote safe boating practices, the NSBC encourages all recreational boaters to wear their life jacket and follow these five life jacket safety tips:

1. No matter what activity you have planned -- boating, fishing, sailing, etc. -- always remember to wear a life jacket every time you are on the water.
2. Make sure your life jacket is U.S. Coast Guard-approved. Double-check that your life jacket is appropriate for your boating activity.
3. Take the time to ensure a proper fit.
4. Life jackets meant for adults do not work for children. If you are boating with children, make sure they are wearing properly fitted, child-sized life jackets. Do not buy a life jacket for your child to "grow into."
5. On recreational vessels underway, children under 13 years old must wear a Coast Guard approved life jacket unless they are below decks or in an enclosed cabin. Some state laws vary -- check with your local Marine Law Enforcement Authorities.

Source: www.SafeBoatingCouncil.org.

Word of the Day

July 25, 2012 5:50 pm

Offer. Oral or written proposal to buy a piece of property at a specified price.

Q: What Is Guaranteed Replacement Cost Insurance?

July 25, 2012 5:50 pm

A: The most comprehensive insurance policy is guaranteed replacement cost coverage, which will pay to rebuild your home even if the cost to rebuild is more than your policy limit.

This kind of coverage is more expensive and can cost from about $400 to $1,000 a year or more, depending on the area and the price of the home. However, even if you can afford it, this insurance is not available everywhere or for every property. For example, older homes may not be eligible. And some big insurance companies have begun to limit the amount they will pay to 120 percent of the policy's face value.

Five Great Tips for Achieving a Work-Life Balance

July 24, 2012 6:14 pm

Between your family, work, your exercise routing and your social life, finding time to relax may seem like a laughable notion. But while a busy schedule can make taking time out to relax difficult, it should still be a priority—right up there with making it to your son’s Little League games or your Monday morning meeting. Here are a few tips for achieving a work-life balance.

1) Manage your time well
On a Monday morning, jot down a list of tasks which need to be completed by the end of the week. Split this list into achievable 'quick wins' by writing down the amount of time needed to complete each task. Schedule each piece of work into your weekly calendar, checking everything you need to do can actually fit into your working hours. By allocating time for each task, you're less likely to under-estimate how long each activity is going to take.

2) Leave your work at work!

Schedule 10 minutes at the end of each working day to make a list of outstanding projects, deadlines and anything else work-related which is bothering you. Make time in your diary to develop solutions to problems and ask managers and colleagues for help if you're struggling with a heavy workload.

3) Schedule 'personal time' in your calendar

Schedule 'personal time' as well as 'work time' in your diary. Place as much importance on 'personal time' spent with friends and family, as you do on 'work time.’ Manage time planning for personal activities as efficiently as your working day, to ensure that it's achievable. Plan to leave work on time at least one evening a week, block this out in your diary and make sure nothing interrupts this arrangement.

4) Separate domestic chores and resting time

Don't count domestic chores within your leisure time, schedule these separately, otherwise you could risk spending your free time doing laundry and running errands! Try to alternate chores with fun activities, or schedule half an evening for housework and half for relaxing.

5) Take a lunch break every day
No matter how busy your work schedule, take time out for a proper lunch break each day. Go outside, enjoy some fresh air and give yourself a break to re-charge for the afternoon ahead. Block out time for lunch breaks in your diary, even if it's just a 10 minute walk and a quick bite to eat, this change of scenery may be just what you need for a productive afternoon.

Source: Filofax

Word of the Day

July 24, 2012 6:14 pm

Nonconforming use. Use of property that is permitted to continue after a zoning ordinance prohibiting it has been passed.