Gunning Daily News

Survey Finds That Most Renters Perceive Homeownership as a Preference

November 7, 2011 4:44 pm

A recent survey on behalf of Whirlpool Corporation (NYSE: WHR) and Habitat for Humanity International conducted by the NAHB Research Center found that individuals who are renting perceive homeownership as a preference. In fact, 68 percent of individuals currently paying rent for their residences said they would prefer to own their own houses. Although previous releases issued about this study have discussed the feeling among consumers about the cost of owning a home, this information demonstrates that regardless of concerns, the general perception among those surveyed is that they prefer to own a home. The complete study reported opinions from consumers and builders on various topics related to home building.

There are many noteworthy challenges that come with renting and this was shown in the survey by Whirlpool and Habitat as well. The majority of renters also displayed a perception of being concerned with their costs—60 percent said they were concerned about the cost to rent, while 52 percent said they were concerned about the cost of electric and gas bills.

"We're encouraged that this study demonstrates the desire of consumers to become home owners," says Tom Halford, general manager, contract sales and marketing, Whirlpool Corporation. "Whirlpool Corporation is proud to work with Habitat for Humanity International to help build homes that can have a positive impact on families and communities."

According to the survey, another factor when it comes to home ownership is the perceived safety. Of all renter respondents, 44 percent said they had not taken any action to increase the safety of their households in the past 6-12 months. Other respondents said they undertook minor safety precaution projects such as installing a lock on a door (32%) and putting in a smoke alarm (31%).

Besides owning their own houses, other desired changes that renters indicated they would like included having a backyard (39%), the ability to decorate (38%), upgrading appliances (36%) and increasing home eco-efficiency (31%).

For more information, visit www.whirlpoolcorp.com/habitat or www.Habitat.org.

3 Ways to Turn Family Recipes into an Affordable Holiday Gift

November 7, 2011 4:44 pm

When Ted Miller lost his job a few years ago, he was broke and dreading Christmas. “I only had a few bucks, and I wanted to stretch that money out. So I thought, why not take all of my mom’s recipes and make cookbooks for her and the rest of the family?”

Some typing and $30 later, and he had five family cookbooks to place under the Christmas tree. “I was surprised how personal it was, and how much it meant to my mom to see all her recipes handed down. She literally had tears in her eyes. Mom still says it’s one of her favorite presents ever.”

With tightening budgets and the rising cost of travel, many families are planning for a toned-down holiday season. However, families are finding that just because they may have to forego the giant family dinners, they do not have to give up on the traditional family cuisine. Many gift-givers see this as an excellent opportunity to share their cooking heritage without breaking the bank.

There are typically three different ways to turn family recipes into great gifts: recipe binders, recipe boxes, and printed cookbooks. Each has its advantages and disadvantages, according to Erin Miller, wife of Ted and owner of CookbookPeople.com.

“I love keeping family recipes,” says Erin. “When I saw what Ted made, I just knew I had to make a business out of this.”

Recipe Binders: These are by far the most popular way to organize recipes. Many such binders are flimsy white binders bought for under $4 at any office supply store. “They don’t have to be ugly, cheap-looking and overcrowded, though,” says Erin. “You can buy a beautiful binder that will show your pride in your recipes for under $20.” They can have ornate designs, be made out of leather, and be filled with page protectors and dividers to better organize and store fragile recipes.

Recipe binders come in two categories: half-page and full-page. Half page binders fit half of an 8.5”x11” normal sheet of paper (5.25”x8.5”). Their compact size, lower cost and lighter weight make them the more popular format. Full page binders fit a full size sheet of paper, hold twice as many recipes, and are perhaps more impressive as a gift. Either may be customized with tab divider labels to better personalize the layout. Page protectors ensure recipes are not damaged by spills, and make them easier to reorganize as the recipe binder grows. Most can hold both recipe cards and printed out cookbooks.

Recipe Boxes: Dating back to at least the 1930s, the recipe box is the most traditional recipe storage medium. Its small footprint makes it great for tiny kitchens, and it can be especially ideal for those who maintain a small selection of recipes. A box packed with 30 or 40 hand-written recipes can make a truly touching gift.

Recipe boxes have their practical limitations, though. Newspaper clippings and printouts don’t easily fit. The cards are not well protected from wear. They can become easily disorganized. Hand-written cards are by nature more difficult to duplicate. But for those who love the age-old tradition of swapping hand-written recipe cards with a good friend, a fine recipe box can make a delightful gift.

Printing a Cookbook: In an era where anyone can become a publisher, writing and printing one’s own family cookbook is certainly a great option. Recipe sharing sites like Tastebook offer full-color printing of up to 100 recipes for $35 per book. The printing quality can be fantastic. However, there are drawbacks. Printing more than a few books can quickly become expensive. Once the book is printed, it stops being an evolving recipe collection that is added to and revised as tastes expand. Also, check end user license agreements—many state that the recipe site retains ownership of all recipes entered into it. Grandmother’s secret chocolate silk cake could wind up in a place that the customer never intended.

Another alternative for printing a cookbook is Matilda’s Fantastic Cookbook Software, published by The Cookbook People. Because it installs on the user’s own computer, there are no privacy issues. Printing can be done on the home printer for free, or it can be handed off to the local copy shop. Another option is to print at home and have the copy shop spiral bind the book for a dollar or two. The Cookbook People also offer printing services at competitive prices.

For more information, visit www.CookbookPeople.com.

Word of the Day

November 7, 2011 4:44 pm

PITI. Acronym for “principal, interest, taxes, and insurance.” Frequently used to describe a loan payment that combines all four items.

Question of the Day

November 7, 2011 4:44 pm

Q: Is there anything I should not tell my agent?
A: Most definitely! Never reveal the top dollar you are willing to pay for a home. It will severely undercut your chance to negotiate the home price with the seller. While an agent may spend a lot of time showing you homes and sharing information, the reality is that she works for the seller, who ultimately pays each and every agent involved in helping to complete the home sale. The seller pays the agents in the form of a commission, a percentage of the proceeds from the home sale. The exception is hiring your own real estate professional, now commonly known as a buyer’s agent or a buyer’s broker.

8 Highway Safety Tips for Thanksgiving Travel

November 4, 2011 5:32 pm

Thanksgiving week is here again and with it comes millions of Americans taking road trips, large and small. Drivers must be prepared for everything from snow and ice to sleep-deprived travelers.

To help make sure you are prepared, America's Road Team Captains, elite professional truck drivers, offers the following advice on how to navigate through highway traffic and arrive at your destination safely:

Prepare your vehicle for long distance travel: Check your wipers and fluids. Have your radiator and cooling system serviced. Simple maintenance can prevent many of the problems that strand motorists on the side of the road before you leave your home.

Plan ahead: Before you get on a highway, know your exit by name and number, and watch the signs as you near the off-ramp. Drivers making unexpected lane changes to exit often cause accidents.

Do not cut in front of large trucks: Remember that trucks are heavier and take longer to make a complete stop, so avoid cutting quickly in front of them.

Check your emergency kit: Contents should include: battery-powered radio, flashlight, blanket, jumper cables, fire extinguisher, first aid kit, bottled water, non-perishable foods, maps, tire repair kit and flares.

Be aware of changes in weather: Weather conditions across the U.S. will be changing - especially during early mornings and evenings with the cold. Watch for ice, snow and other weather-related obstacles.

Keep your eyes on the road: Distracted driving is a major cause of traffic accidents. Even just two seconds of distraction time doubles the chances of an accident. Use your cell phone when stopped and never text while driving.

Leave early and avoid risks: Leave early so you won't be anxious about arriving late and to accommodate delays. Road conditions may change due to inclement weather or traffic congestion.

Be aware of truck blind spots: When sharing the road with large trucks, be aware of their blind spots. If you can't see the truck driver in his or her mirrors, then the truck driver can't see you.

Slow down: With the extra highway congestion due to holiday travel, speeding becomes even more dangerous. Allow plenty of space cushion and reduce your speed.

Buckle up: Safety belts reduce the risk of fatal injury by 45 percent and are a simple way to increase your safety on the road.

Simplifying Home Design with Technology

November 4, 2011 5:32 pm

With 425,000 items in Apple's App Store, it seems like there's an app for everything now. Looking for a pig-latin translator? Need to find the closest restroom? Well, you know the saying. 

As the number of apps continues to increase, developers are taking the technology beyond fun and games. Today, users can find apps that help organize, simplify and enrich areas of their daily lives. One of these areas is home design. 

"Home design and renovation can feel like a daunting task at the beginning of any project. Whether creating floor plans or choosing colors and fabrics, there is a lot to think about," said Sarah Reep, director of designer relations and education at KraftMaid Cabinetry. "Luckily we're living in a digital age, and there are apps and online resources to help homeowners with everything from budgeting to hanging a picture frame."
 
Here's a list of some popular home design apps:
KraftMyStyle: With this app from KraftMaid Cabinetry, you can capture images and create photo collages of items that inspire you, like colors, unique spaces, fabrics and art. Style Boards can be shared with family, friends and in the online gallery. When you're working with a designer, this app is a great way to share ideas and inspiration for your home's design. Available for free for Apple iPad, iPhone and iPod Touch. iHandy Level: Say goodbye to crooked frames. This app turns your iPhone or iPod Touch into a level. Available for free for Apple iPhone and iPod Touch.
ColorSmart: If you're planning on refreshing your home's walls, this app from Behr paint is a must-have. The app makes it easy to try out different styles and paint colors in your rooms without picking up a roller. Once you've found your favorite colors, share them on Facebook and Twitter. Available for free for Android, iPhone and iPad.
Remodelista: This design sourcebook brings you the latest content from Remodelista, such as DIY projects, 10 Easy Pieces product roundups, and Steal This Look. Photo galleries organized by room bring daily design inspiration. The app costs $2.99 and is available for Apple iPad, iPhone and iPod Touch.
Paint 'N' Wash: With this app, you can paint works of art -- with your fingers -- then wash it away with the Delta faucet. Great for getting those creative juices flowing. Available for free for BlackBerry, iPhone and iPad. 

For more design advice, tools and tips, visit www.KraftMaidByDesign.com.

Keeping Your Athlete Healthy and Strong

November 4, 2011 5:32 pm

More than seven million boys and girls across the country will participate in organized sports this year, and unfortunately, injuries are a part of every season. The mistake athletes, parents and coaches often make is overlooking proper nutrition as a sports injury prevention measure. A balanced diet to fuel your athlete is just as important as the right protective gear. 

"What an athlete eats or drinks before, during and after a game directly impacts a player's performance," says Lisa Dorfman, MS, RD, CSSD, LMHC Board Certified Sports Nutritionist with the University of Miami. Shamrock Farms' Rockin' Refuel™ has teamed up with Dorfman to get the word out about proper sports nutrition to parents, coaches and athletes of all ages. 

Dorfman, also the author of "Performance Nutrition for Football," (Momentum Media 2010) explains that "Most energy is focused on pre-game meals. I urge parents and athletes to pay as much attention to the post-game routine, where muscle recovery and protein are key." According to Dorfman, 80 percent of a player's performance comes from nutrition. 

With this in mind, Dorfman suggests using the following tips for optimal nutrition and injury prevention during the season:
The Truth about Carbs: A pregame meal packed with only carbohydrates can actually leave athletes feeling tired and sluggish on the field. Make sure to also include items low in fiber and fat, like grilled chicken or a fresh fruit yogurt smoothie before game time.
Three R's to Recovery—Replenish, Repair, Rebuild: It's important to refuel within 30 minutes to one hour of working out. Encourage athletes to reach for foods or beverages that are high in protein to help rebuild muscles, such as Rockin' Refuel, which is 100 percent real milk fortified with 20 grams of protein. It also contains a 2:1 carb to protein ratio, ideal for maximum muscle recovery.
Keep it Simple at Game Time: Look for simple mini meals that will fuel your athlete for the entire game, including foods that are good sources of complex carbohydrates, like whole grain pasta or brown rice. Grilled chicken, turkey and canned tuna or salmon are good sources of protein, which is needed to help build a stronger body.
Whole Foods offer Wholesome Nutrition: Whole foods are always better than supplements, so make sure you read the ingredients on anything your athlete is consuming. Watch out for hidden ingredients in powders, shakes and drinks. For example, encourage your child to eat fruits and vegetables in order to get essential vitamins and minerals instead of taking a multi-vitamin supplement.
Teach Your Teen Healthy Habits: Teenage athletes, more than any other age group, are prone to pick the most convenient—instead of the healthiest—foods and beverages. Keeping your fridge and cupboards stocked with healthy grab-and-go food options like fresh fruit, low fat string cheese, yogurt, dry roasted almonds, ready-to-eat whole grain cereal, baked chips and single-serve bottles of Rockin' Refuel will help ensure teens will grab healthier foods. 

Go to www.RockinRefuel.com for more information.

Easy Entertaining Tips for Holiday Celebrations

November 4, 2011 5:32 pm

For most Americans, the holiday season is the busiest and most demanding time of the year. From social engagements and travel to buying gifts and baking, it's often hard to juggle competing commitments. In fact, 80 percent of Americans anticipate stress during the holiday season, according to the American Psychological Association. 

If you are planning a cocktail or dinner party this year, remember, inviting friends and family into your home should be fun and festive, not overwhelming. Take time to plan ahead and follow these simple tips for a special gathering that both you and your guests will enjoy. 

Set the mood as you set the table. When entertaining, linen napkins and tablecloths can set the tone for the party and create a festive and welcoming experience for guests. If table linens are kept packed away, wash and freshen before setting the table. No one wants to see lipstick or food stains as they sit down for dinner. Before the party, wash linens with a gel detergent that attacks stains and rinses easily. 

Menu planning 101. Expect guests to be thirsty and hungry when they arrive. Whether passing hors d'oeuvres or having a sit-down meal, buy and prepare plenty of food to keep everyone happy and full. To have enough cocktails on hand, plan for your guests to drink one to two drinks per hour of the party and calculate from there. 

Create a show-stopping centerpiece. Adding centerpieces, whether one large arrangement or a series of small vases or candles, can help dress up any room. Arrangements made from pine, holly, or berry branches tie nicely to the holiday season and can be found at any craft store. As an alternative, make an arrangement of pomegranates, cloves, and oranges to provide a pleasant and fresh scent. 

Warm up by the fire. If you have a fireplace in your home, lighting it during gatherings provides an intimate and cozy glow. If you have not used the fireplace in a while, make sure you open the flue. Then add newspaper and wood logs. Plan to light the fireplace 15-20 minutes before guests arrive. 

Arrange a festive soundtrack. Music is an essential component of any successful holiday party. Organize CDs ahead of time or make a digital playlist on your mp3 player so you're ready to push play and get the party started as soon as your guests walk in the door. 

Freshen up after the revelry. When the party has died down and it's clean up time, check areas around the house for messy remnants from the celebration. In particular, carpets may appear dirty from heavy foot traffic. Sprinkle a liberal amount of baking soda over carpets, let sit for fifteen minutes, and then vacuum up. Baking soda will help neutralize any lingering odors in the carpet. 

For more pre- and post-entertaining house prep, visit www.armandhammer.com.

Word of the Day

November 4, 2011 5:32 pm

Origination fee. A charge by the lender for granting and processing a new mortgage loan.

Question of the Day

November 4, 2011 5:32 pm

Q: What can I expect from a good real estate agent?

A: Competence, efficiency, and ethics. According to the All America’s Real Estate Book by Carolyn Janik and Ruth Rejnis, good agents take the time to qualify buyers and show properties in their price range. They plan showing routes carefully and have pre-inspected most properties. They have a thorough knowledge of financing options, are up on the latest housing trends, and share with prospective buyers data on the local housing market and home sales.

Good agents also adhere to a strict code of ethics. They avoid high-pressure sales tactics, refrain from showing properties that do not fit your needs or goals, and alert you to problems about the condition of the property. And they show respect for other agents and real estate firms by not “bad mouthing” them.