Gunning Daily News
March 2, 2012 4:08 pm
Blockbusting. Illegal practice of creating panic selling in a neighborhood for financial gain. Typically exploits racial and religious bias to get homeowners to sell low so the properties can be resold at a mark up.
March 2, 2012 4:08 pm
Q: When remodeling, what cost controls or budgeting ideas might be helpful?
A: Plan ahead and create a realistic budget. Decide on the items and materials you would like to have in a room and set your budget accordingly. This will prevent hasty, and costly, decisions down the road. The experts suggest setting aside 10-20% of your budget to cover unforeseen problems and miscellaneous charges. Then, choose less expensive products that will help you achieve the look you’re trying to obtain. Avoid labor intensive design features, such as tiled floors. You may also want to pursue your home improvement in stages, if you can’t afford to pay for the entire project at once. Also, purchase surplus, secondhand, or discounted materials from other contractors, warehouses or classified websites like www.build.recylce.net to reduce costs. If possible, avoid too many take-out meals and/or hotel stays. Try isolating construction areas so that your living space isn’t interrupted and other household space can be used to heat or prepare meals once the kitchen is being remodeled.
March 1, 2012 6:00 pm
Dinner at a fancy restaurant is nice, and orchestra seats at a major production can be exciting. But, points out leisure writer Lisa Sussmane, there are many romantic date night options that cost a lot less but can give any couple the chance to relax, shut out the workaday stress and catch up with each other.
Sussman suggests seven ways to get your imagination going:
• Cheap dinner and a movie – Check out a free movie from the library—or, in summer, look for a free movie screening in an outdoor venue in your community. Add a picnic dinner, or cheap take-out, put up your feet and enjoy.
• Home window shop – Make an afternoon of attending open houses in a neighborhood where you’d like to live one day. Enjoy the views, talk about the furnishings, and let yourselves dream a little.
• Camp out overnight – State parks offer inexpensive admission. Set up a tent, cook over an open fire, and gaze at the stars all night.
• Playground date – Go to the playground around dusk, after the kids have gone home. Climb the monkey bars, laugh like children, and see who can swing the highest.
• Get glamorous – Find an art show opening or a wine-tasting, and put on your fancy duds. Enjoy complimentary wine and hors d’oeuvres as you wander through the displays.
March 1, 2012 6:00 pm
Spring Break is just around the corner, and you know what that means... time to start planning your vacation. So here are five tips on what you need to know to have the most amazing experience.
1. By air or sea?
When it comes to airfare, it's not great news. With airlines continuing to slash routes, that means decreased competition, which translates into increased airfare. So where are the deals? It depends on where—and how—you're traveling.
"For those of you who are flexible with your travel, it can pay to wait until the last minute," says Steven Fischer, vice president of cruise development at Travel Holdings, Inc. "That's when airlines and cruises need to unload inventory, so stay on top of deals through last minute booking sites. Get a great deal and you don't have to book 6 months in advance."
2. Find the best-suited cruise
Whether you're a family with two kids under 10 looking for a memorable vacation, a couple trying to revive some romance or a college student envisioning a trip on a fixed income, there is a cruise, destination and price point that is perfect for you.
"Disney cruises give families everything they're looking for -- kid-appropriate entertainment and relaxing adult-only escapes for parents," Fischer says. "To spice up the romance, I recommend a Caribbean cruise on Celebrity Solstice class ships where you can relax and be pampered in luxury while traveling to exotic locations. And for those college students looking for dance clubs, bars on every floor and endless entertainment, Carnival cruises to the Bahamas are the perfect laid back, economical vacation."
3. Plan ahead
Book your excursions before boarding the ship. Cruise lines generally have an updated list of shore excursions for your cruise before departure. Many cruise lines allow for advance booking. Book your top two or three in advance because many popular shore excursions sell out. If you decide to wait to plan your shore excursion, you can also book at the ship's shore excursion desk.
Find out how many days you'll be at sea and give yourself an allotted amount to spend. Having a room key as a credit card can make for easy spending. You don't want to end your blissful vacation with an excessive tab.
"Don't bring your credit card to the island," Fischer says. "And only bring the amount of money with you to land that you feel comfortable spending."
5. What to bring
"Just pack your smile," Fischer says. "Don't bring your laptop. Don't check your email. Don't bother bringing books to study. The best part of a Spring Break vacation is the time to truly relax. This is a time to let loose and have fun. You're going to end up packing heavy textbooks that sit on the cabin floor."
March 1, 2012 6:00 pm
It seems like snoring is quickly becoming an epidemic in bedrooms across the country. Whether you live with a snorer, or suffer from a mild to severe case of it yourself -- snoring can wreak havoc on your health, your energy level, your relationship, and the amount of restorative sleep you get every night.
"It's time to hit the mute button on snoring so you can seize your day each and every day," says Ben Thorud, Senior Vice President of Ashley Sleep. "Excessive snoring is serious business. It's not only been linked to high blood pressure, heart attack and stroke, it also makes it nearly impossible for you and, in many cases, your partner, to get a good night's rest. Not getting the proper amount of sleep can cause your immune system to break down, also making you more susceptible to disease and illness."
So what causes snoring and what can you do to make it go away? Here is some important information, as well as valuable lifestyle tips, that can help you stop snoring, improve your health, and get a better night's rest:
1. Sleep on Your Side. If you're a back sleeper and you're suffering from snoring, try to stay on your side. Sleeping on your back causes your tongue to fall backward into your throat, which makes it harder for air to pass through your airway. If, despite your best efforts, you end up on your back every night, a body pillow could help you stay on your side. If that doesn't work, try propping up the top of your mattress or placing your head on several pillows to open up your air passage.
2. Get Rid of Allergens. Make sure to keep dust, pets and other sources of allergens out of your bedroom, since they may be a major snoring cause. Trade up to a new pillow every year—since old ones can harbor dust mites, mold, mildew and fungus. Choosing a naturally hypoallergenic sleep surface, like a Latex Mattress, may also help with snoring, since it's resistant to bacteria, mold, mildew and dust-mites.
3. Improve Your Sleep Habits. Whether you've worked a 15 hour day, or you've been burning the midnight oil, being overly exhausted causes you to sleep more deeply, which also causes snoring. Make it a priority to get eight hours of restful sleep every night.
4. Say "No" to Alcohol/Sedatives. While using these substances seem like an easy way to unwind, both can actually cause the muscles in your throat to relax, which can lead to snoring and disruptive sleep.
5. Clear your Nose. If your nose—and not your throat—is the cause of your snoring, try opening up your nasal passages. A hot shower, a neti pot with saltwater, or nasal strips could do the trick. Drinking a lot of water and staying hydrated also keeps your nose clearer.
6. Hit the Gym. Carrying too much weight in your upper body is one of the biggest snoring causes. Being overweight can narrow your airway, causing excessive snoring. Exercising and watching what you eat can help you stop snoring.
If you've tried every possible remedy and the snoring just won't go away, you may have a more serious problem, like sleep apnea, and it may be time to see a professional.
March 1, 2012 6:00 pm
Blanket mortgage. Single mortgage that covers more than one real property, i.e. –a house plus the vacant lot next door.
March 1, 2012 6:00 pm
Q: Are there ways to save money when using a contractor?
A: Be an educated consumer: aggressively shop for the most reasonable bid, not necessarily the cheapest. Inexpensive, but shoddy, work will only cost you more money in the long run. After you find a contractor, insist that trade discounts on materials be passed on to you, or buy materials yourself. Root out any unnecessary costs written into the contract, and compare payment alternatives – flat vs. hourly rates, for example – and negotiate the more reasonable of the two. Also, do part of the project yourself. Disassembly and prep work can save you hundreds of dollars.
March 1, 2012 6:00 pm
The bedroom of today is evolving into a sanctuary for rejuvenation and relaxation, with colors inspired by nature; bedding that mixes high quality cotton and other natural materials; and furnishings that provide luxury in the form of comfort.
According to Fawni Hill, vice president of interior design for Larick Alan Hill Architects, while other rooms in the home are getting smaller, bedroom design is trending toward a larger master suite. "The bedroom is increasingly considered a sanctuary, a place to adjust the attitude and evoke the senses," says Hill.
"Trending colors are those found in nature such as sea gray blue, celery green, and the purples and violets you would see in mountains. These colors of earth, sea and sky physically calm us and have symbolic meaning of trust and commitment, of things you can always count on."
The Palo Alto-based interior designer says that fireplaces are now a common element in a bedroom master suite, as is the use of natural elements such as heated stone or hardwood floors and natural wool carpets.
Hill notes that she is seeing more luxury in the bedroom, but with a different spin. "Today's luxury doesn't necessarily equate to high cost, but rather high quality and comfort."
Source: McRoskey Mattress Company, http://www.McRoskey.com
February 28, 2012 6:12 pm
Q: How can I finance work needed on a fixer-upper?
A: According to the Millennial Housing Commission, few lenders are willing to administer home improvement loans. Most prefer to make home equity loans or unsecured consumer loans because they are easier to manage. Home improvement loans usually require inspections and irregular draws on the loan amount as work is completed, which requires regional or national lenders to find local partners to provide oversight.
Financing repairs and improvements with home equity is okay for most homeowners, but it is difficult for many first-time buyers. They have lower-incomes, smaller savings, and have made lower down payments on their homes than first-time buyers a decade ago. So they have little equity to borrow against. Unfortunately, it is often lower cost older homes purchased by first-time buyers that need the most work.
Unless you have a cash reserve, you will have to shop around for the best borrowing terms. In addition to the options listed above, you can ask relatives for a loan. Borrow against your whole life insurance policy. Refinance your existing mortgage and take out cash. Get a second mortgage. Contact the government about home improvement programs. And – as a last resort – borrow from a finance agency, which generally charge high rates.
February 28, 2012 5:12 pm
Spring is just around the corner! Get ready for the world to bloom. Even though this season has been historically mild, it’s still time to say goodbye to the snow and sleet and get ready for springtime. With that in mind here are 5 decorating ideas from the designers at Lamps Plus, to help you say goodbye to those cold and drafty winter blues.
Break out of winter by adding the new colors of spring to your home. Advises Lamps Plus design expert and Corporate Interior Design Manager Lynda Gould, “Look to nature for organic color tones to bring to indoor rooms. I love adding tones of green through pillows and glass accents. For brighter pops of color, I really like using yellows and hot oranges.”
Redecorate Your Porch
“I love relaxing on the porch during those first days of spring,” says Lynda. “The front porch is such an underutilized part of most people’s homes. With just a little accessorizing it can become a real focal point with great curb appeal.” To maximize the use of the porch, Lynda suggests adding a new outdoor rug to help define the space and add comfort under-foot. “I like to arrange outdoor furniture around the rug to create a cozy conversation area. You can add planters to the area for a bit of color and greenery that will look good all season long.”
Make a Bright Impression with Lighting
New lighting can totally remake and revitalize an outdoor space or a room, notes Lynda. ”You can instantly restyle a porch area with new outdoor lighting which will also help you enjoy the area longer into the night. If you have a larger covered porch, consider installing an outdoor ceiling fan. These add a real sense of luxury and comfort to a seating area.”
Take the Indoors Outside
Make the transition from the front porch to your inside rooms smooth and flowing with coordinating colors and décor accents, advises Michael Murphy, designer and Style Illuminated design blog writer. “If the colors and textures of the porch and indoor furniture share similar elements, you’ll be able to tie the two living spaces together. This helps bring the outside world of spring inside, refreshing your indoor living areas, and it helps take your indoor style to the great outdoors.” Michael likes to use pillows, indoor rugs, wall art and accessories to blend the looks of the two areas. “This is a great tip no matter what the season, but it is especially wonderful to do in the spring.”
Re-Style the Backyard Patio
For many of us the more private space of the backyard patio is a natural place to relax and entertain. Not only do most patios extend from kitchen and dining room areas, but they also are a gateway to garden areas and lawns. You can make your patio spring-ready by adding just a few key accessories, says Marcia Prentice, Lamps Plus designer and blogger. “The same ideas that apply to porches will also work with backyard patios, but the scale is a little different. On the patio you want comfortable outdoor seating ideas for eating and entertaining larger groups. I like having lots of umbrellas on hand because even in the spring sitting in the sun can be uncomfortable, and I also love adding table accents for serving drinks, lighting for BBQ cookouts and other accessories for entertaining.”