Gunning Daily News
April 30, 2012 5:34 pm
Are you wondering where 2012’s collegiate will be scurrying off to after graduating this May? Well now you can put your curiosity to rest; Rent.com researched cities across the country and has compiled a list highlighting 10 great cities for the post-grad set based on unemployment rates, mean annual income, cost of living, and rental inventory (in no particular order):
• Boston, Mass. – A low unemployment rate and high mean income attracts career-minded young professionals. The character of a college town makes for a smooth transition, in which nightlife options abound.
• Minneapolis/St. Paul, Minn.– The Twin Cities truly combine natural beauty with the benefits of an urban center. With an unemployment rate well below the national average, finding a job shouldn’t be a stressful task in Minneapolis and St. Paul.
• Seattle, Wash. – The perfect city for a new class of intellectuals, Seattle offers a well-educated workforce as well as plenty of outdoor adventure and foodie cuisine.
• Houston, TX – Houston is known for cost-competitive housing and a favorable cost of living. Add to that a diverse mix of jobs and commuter-friendly transportation, and Houston has a lot to offer for new grads.
• Baltimore, Md. – The Charm City is a friendly place to live and play, with a diverse cultural scene and more than 200 unique neighborhoods to call home.
• Dallas, TX – With the hospitality of Texas and the modernity of a sophisticated city, Dallas offers all of the benefits of big city living without the big city price tag – the cost of living is well below the national average.
• Kansas City, Mo. – Healthy living and an eco-friendly lifestyle are just one part of the booming downtown of Kansas City. It’s also known for barbecue and jazz – so very grown up chic, right?
• Raleigh, N.C. – People of all ages move to Raleigh for affordable housing and temperate weather. With an economy based on three local universities, post-grads looking for jobs in industries like biotech or computers will thrive in these North Carolina cities.
• Washington, DC – A favorably low unemployment rate and high mean annual income make Washington, DC a smart choice for new young professionals. The federal city also offers entertainment for everyone, from nightlife and world-class dining to cultural institutions.
• Austin, TX – A quickly growing city, Austin boasts a low cost of living and neighborhoods with character ranging from funky to serene. A thriving music scene will inspire recent grads to partake in the arts.
April 30, 2012 5:34 pm
The Internet makes it easier than ever before to find home improvement inspiration. Social networking sites have taken the place of word of mouth between neighbors, and popular sites like Houzz and Pinterest let users share ideas and opinions on home trends with a seemingly endless social network.
"It is impossible to ignore the impact of social media and digital tools on home design trends," says Jeff Kaliner, Power Home Remodeling Group’s Founding Partner. "Whether their motivation is to keep up with the Joneses or to give their home some personality, these sites spark the imagination of homeowners looking to improve their home's appearance — and the sky's the limit when it comes to inspiration."
Below are four areas where the Internet helps homeowners turn their home improvement inspiration into reality:
• Social media – Consumers stay tuned to home improvement news and trends by following their favorite companies on Facebook, Twitter and YouTube. These sites provide an opportunity for customers to build relationships with contractors and retailers, have direct access to a company's knowledge and expertise, and quickly spread the word about home improvement projects to their family and friends.
• Inspiration boards – New sites like Houzz and Pinterest are examples of the visual trend in social networking. Users cull through thousands of images with the ability to save their favorites into personalized categories called 'ideabooks' or 'pinboards.' For example, if a homeowner is in the market for a new entry door, they can visit Houzz, search for entry door inspiration and save their favorites. Later when they are meeting with a contractor, they can revisit these choices to easily communicate what they are looking for. Similarly, home improvement professionals can use the site to highlight their work as inspiration for others. The most popular content is heavily shared among users and home design trends begin to emerge.
• Virtual home remodelers and home management websites – Home improvement companies are making it easier than ever for homeowners to manage their home on the web. Popular big box retailers have designed complex home management websites to help homeowners store paint colors, product numbers and other detailed information as a way to capture consumers' attention online and cultivate customer loyalty. Similarly, Power customers are encouraged to test the look of Power products on their home's facade with the company's virtual home remodeler. The tool, which can be accessed through Power's Facebook page and website, allows homeowners to select a variety of siding, roofing, window and door styles and colors to see what their remodeled home would look like.
• Do-it-yourself and design blogs – The popularity of home improvement, design and do-it-yourself bloggers has grown exponentially in recent years. Loyal readers follow blogs for trends, ideas and inspiration by reading through the trials and tribulations of bloggers who document a variety of home-related projects.
For more information, visit www.PowerHRG.com.
April 30, 2012 5:34 pm
April is National Home Inspection Month, and homeowners across the country are learning about the benefits of having a home inspection—an important step in the home buying and selling process. Whether your home is on the market or you simply want to maintain its condition, enlist the help of a trustworthy home inspector to ensure that your current or potential home is in optimal condition.
When buying a home, a home inspection determines its structural and mechanical condition. If there are any problems, your inspector will make them known and estimate costs for repair. You can then determine if the cost of dealing with these issues is worth the listed price of the home or if more negotiation is required.
If you are selling your home, a potential buyer is likely to enlist a home inspector, but you can arrange your own home inspection to prepare. They will help you identify any issues that need fixing, so that you can present your home as structurally and mechanically sound home.
Even if you're not in the process of buying or selling, home inspection is important to the upkeep of your property. Prevention is more affordable than treatment—and a home inspector will help you identify issues before they become a serious problem. For example, a home inspector could identify a hole in your roof; left untreated, you may need an expensive new roof, but caught by a home inspector, you may only require an inexpensive patching service.
A home inspector will examine your home for structural and safety issues. They will determine if your foundation has been damaged by renovations or termites, and verify the condition of support beams. They will also check for safety hazards, including rotting steps, loose railings, and faulty locks.
Your home inspector also knows to look for problems with wiring and electrical boxes, as well as plumbing issues. Water damage can be a deal-breaker in the sale of many homes, and a home inspection can identify potentially costly leaks.
April 30, 2012 5:34 pm
Easement. Limited right to cross or use for some specified purpose the property of another. It may be permanent or temporary. Water, sewage, and utility suppliers frequently hold an easement across private property.
April 30, 2012 5:34 pm
Q: Are 40-year mortgages a good idea?
A: The main reason buyers sign on for these type of loans, which add 10 years to the traditional 30-year mortgage, is to take advantage of smaller monthly payments.
According to real estate experts, the shorter-term loan is usually more advantageous for the homebuyer. The drawback becomes apparent simply by calculating the cost of additional interest payments, which can total thousands for the privilege of just saving the difference of a few dollars in monthly mortgage payments.
April 27, 2012 2:10 pm
With warm weather season in full swing, now is the time to start planning your fun family getaways. If you are concerned about affording it all, author and financial expert Farnoosh Torabi offers the following tips to help you have fun and save money on your next vacation.
Bank on gas-saving apps
Look to budget-friendly websites, such as www.GasBuddy.com, which also offers an app that helps you find the closest gas station with the best prices near you. Another gas-saving app is Gas Hog. It costs 99 cents and calculates your car's fuel economy, then provides tips on ways to make your car more fuel-efficient.
Rent a car
It turns out that, contrary to popular belief, it can actually be cheaper to rent a car for weekend getaways than it is to drive your own. According to a study by Brett Smith, co-director, manufacturing, engineering and technology for the Center for Automotive Research, when renting a compact car from Enterprise Rent-A-Car at its weekend rate, the savings can come to 12 cents per mile. If your getaway is a 300-mile round trip, the fuel savings could be more than $20.
"By renting a car, you reduce the stress and mileage placed on your own vehicle, and you can upgrade or downgrade depending on the size of your family and fuel economy needs," explains Torabi.
Pack and save
On road trips, most people grab a few snacks every time they stop for gas. Over time, those candy bars and sodas can really add up. A family of four can easily spend $15.00 for drinks and snacks at just one stop. "One easy way to lower the cost of your trip is to pack your own food. Pack a cooler full of bread, peanut butter, string cheese, water, juice and plenty of fruit. You'll be less likely to splurge while filling up the tank, make healthier choices, and save a bundle over all," says Torabi.
Book hotels on Sunday nights
This is when the weekend rush is over and hotel managers have time to talk on the phone and discuss available discounts. Ask to get a free night's stay if you're staying for more than two nights. That's at least $100 saved right there.
Better yet - skip the hotel
Find cheap -- but chic -- guest rooms in local homes and apartments through websites such as www.AirBnB.com and www.OneFineStay.com.
"With a little planning and flexibility, your family can enjoy a vacation they'll remember for years to come," says Torabi.
April 27, 2012 2:10 pm
When it comes to buying shoes for your children, there are so many different styles available; it can sometimes be difficult to figure out which one to choose. The most important thing to keep in mind is that your child needs proper foot support during childhood's critical growth years.
A child's foot can grow up to about the age of 18, and the most important development happens in the first seven years. Here is a quick look at how fast kids' feet grow:
• Under 12 months old, every 2 months.
• 12 months to 2.5 years old, every 3 months.
• 2.5 to 4 years old, every 4 months.
• From 4 to 6 years old, every 6 months.
Shoes that do not fit properly can be uncomfortable and unhealthy. That is why it is important to always measure a child's feet before buying shoes. Every shoe fits differently, so do not buy shoes based solely on the size printed on the shoebox. Make sure your child tries on every shoe and watch them as they walk to make sure they seem comfortable and fit properly.
Shoe Buying Tips
When you find shoes that you like, hold them in your hand and examine them. The American Podiatric Medical Association (APMA), experts in foot health and development, recommends you look for the following features:
Flexibility. Typically, the younger the child, the thinner and more flexible the soles should be. The sole should be easily flexible and be able to bend in your hand without effort. It should bend with your child's toes -- where the ball of the foot will be rather than in the middle of the shoe.
Toe room. While your child is standing, you should be able to press about a half inch, roughly a finger's width, between the longest toe and the front of the shoe. The area of the shoe just below the laces should crease when your baby takes a step.
Materials. The upper part of the shoe should be made of breathable materials such as leather, rather than synthetic materials. The insoles should be cushioned for comfort. Feel around inside the shoe for irregularities in stitching, glue or stapling. Look for a stiff heel cup. Press on both sides of the heel counter. It should not collapse.
To help parents find shoes that fit properly, here are some helpful shoe buying tips:
• Make sure to see a professional trained in fitting shoes for infants, toddlers and young children. For example, Stride Rite's Fit Training Program received the APMA Seal of Acceptance. The seal recognizes products evaluated by a committee of podiatrists that contribute to better foot health.
• Have your child's feet measured every 2 to 3 months until toddler years, then every 3 to 4 months after that.
• Feet are seldom precisely the same size. Always buy for the larger foot.
• Do not buy shoes that need "breaking in." Shoes should be comfortable from the beginning. Observe your child walking around in both shoes for longer than a few minutes. Then, check each foot to make certain there are no irritation marks.
• Make sure the shoe is not too heavy. A heavy shoe can make your child walk irregularly, preventing the development of a normal walking pattern.
• If a child complains of foot pain or discomfort, schedule a check-up with your local podiatrist who specializes in children's foot care.
Source: www.striderite.com and www.apma.org.
April 27, 2012 2:10 pm
Due-on-sale. Clause in a note or mortgage giving the lender the right to call the entire loan balance due if the property is sold or otherwise conveyed.
April 27, 2012 2:10 pm
Q: Which is better, a 15-year or 30-year loan?
A: The 15-year mortgage offers you a chance to save thousands of dollars over the life of the loan. This is because the interest rate is typically lower and amortization is half that of the 30-year loan, which means that the total interest paid on the 15-year note, as compared to a 30-year note, is significantly less because of the shorter borrowing period.
Put another way, a 15-year loan accrues principal much more quickly than a 30-year loan, so you get to own your house in half the time.
However, because you are building equity faster and paying down the loan sooner, a 15-year mortgage requires higher monthly payments.
Get a lender to help you calculate the overall savings of the 15-year loan versus the 30-year mortgage. In the end, though, base your decision on your circumstances and overall financial plan, such as whether you are nearing retirement age and also will have to shell out college expenses for children, in which case a 15-year loan may not be for you. Remember that your spending habits, budget, and financial goals should all be considered before making a final decision.
April 27, 2012 2:10 pm
(ARA) - Sprucing up your home for spring doesn't have to mean spending huge amounts of time and money. In fact, there are many projects that you can complete in a weekend that will improve the look and feel of your home. With a little guidance and the right tools, you can easily get your home in top shape by Monday morning.
Commonly recognized as one of the easiest and most cost-effective interior updates, painting is a weekend project that can completely transform the aesthetic of your home. When purchasing paint, a quality product will ensure your end results are beautiful. Low-quality, inexpensive paint will likely require a number of coats to get the coverage needed - resulting in more time and money spent. To avoid increased time and cost, use a premium line of paint like Pratt & Lambert's Accolade, which guarantees excellent hide and outstanding durability. Popular among interior designers, Accolade is available in more than 1,000 colors to complement any style. When choosing paint for your next weekend project, remember that a quality product will achieve the best end result and save you time and money in the long run.
Tired of the same old lamps sitting on your end tables but don't have the funds to revamp your lighting decor? A new lamp shade will completely change the look of any piece. You can also easily transform pieces by renewing the lamp bases; a quick walk down the spray paint aisle will show limitless possibilities of colors and finishes. You can even renew plastic pieces with Krylon Fusion for Plastic, the first paint of its kind. Create a cohesive look by bringing that new finish to your hanging fixtures as well.
Adding trendy, fun accessories will give any room a new and more put-together look. Think vases and bowls, wall art and rugs. When adding accessories, look for colors that complement what is already in the room. Plants and flowers can also add energy and color, some with the added bonus of a pleasant aroma.
One easy way to update furniture on a budget is by recovering it or using slip covers. Premade covers are available in a wide variety of fabrics and designs, or you can create a custom cover for your sofa or armchair. More ambitious crafters may actually reupholster furniture to create a completely new-looking seating option. After repadding and covering cushions, sand and stain or paint wood pieces for a completely modern feel.
Carpet has seen better days? Replace it. Hardwood is scuffed and dull? Refinish it. You can also achieve the look of natural wood or stone flooring with luxury vinyl tile. This affordable option is no longer your grandmother's vinyl, now available in a variety of natural finishes that are both durable and modern. If replacing isn't in your budget, simply give your flooring a good cleaning and use accent rugs to cover blemished areas.
Check off a project on your home improvement to-do list this weekend, and enjoy the results through spring and beyond.