minima 3

2007 Planning Calendar

2007-05-22T03:20:00.000-07:00

January
Valentine’s Day………………….Jan 4
Travel…………………………….Jan 10
Do-It-Yourself…………………...Jan 17
Kitchen/Bed/Bath……………….Jan 24
Senior Living…………………….Jan 30 February
Spring Lawn/Garden…………..Feb 2
Community Cares.……………..Feb 7
Spring Home Decorating………Feb 14
Real Estate…………..………….Feb 22
Spring Automotive……………...Feb 27
March
Tech Talk/Gadgets.…………….Mar 2
Home Improvement/
Construction..……..…………….Mar 7
Mother’s Day……..……………..Mar 14
Health………..…………………..Mar 20
Graduation/Careers..…………..Mar 30 April
How-To……………...…………..Apr 3
Summer Bridal………………….Apr 10
Summer Lawn/Garden……...…Apr 17
Father’s Day…………..………..Apr 23
Active Lifestyles……....………..Apr 30

May
Summer Living………………….May 2
Real Estate..…………………….May 9
Summer Automotive…………...May 16
Home Improvement/
Construction…………………….May 23
Senior Living…………………….May 30 June
Summer Home Decorating…….Jun 5
Fashion/Beauty/Fitness………..Jun 12
Do-It-Yourself……………………Jun 19
Pets………………...…………….Jun 22
Health………….…….…………..Jun 28
July
Fall Bridal……...………………...Jul 5
Back-to-School.…………………Jul 11
Food/Entertaining.……...………Jul 17
Kitchen/Bed/Bath……………….Jul 25
Fall Lawn/Garden………………Jul 31 August
Financial Planning/Money..…….Aug 2
Fall Automotive………………….Aug 8
Fall Home Decorating…………..Aug 15
Home Improvement/
Winterizing………….……………Aug 22
Senior Living……………………..Aug 29
September
Halloween……...…………….…Sep 5
How-To………………………….Sep 12
Holiday Season………………...Sep 18
Health……………...…………….Sep 20
Business/Careers………………Sep 26 October
Winter Living.……...…………….Oct 3
Community Cares..……………..Oct 10
Celebrate the Season…………..Oct 17
Kitchen/Bed/Bath…...…………..Oct 23
Do-It-Yourself.…………………..Oct 30
November
Super Bowl…...………………..Nov 2
New Year’s/Resolutions……....Nov 7
Winter Automotive……………..Nov 13
Last Minute Holiday…………...Nov 19
Home Improvement/
Construction……….…………...Nov 28 December
Money/Taxes…………………….Dec 4
Spring Bridal……………………..Dec 11
Dreaming of Gardens.…………..Dec 13
Senior Living……………………..Dec 17
Business/Careers….……………Dec 20

First National Listing Service for Real Estate a Boon for Buyers, Sellers and Agents

2007-05-22T02:52:00.000-07:00

First National Listing Service for Real Estate a Boon for Buyers, Sellers and Agents

(ARA) – If you’ve bought or sold a home recently, you know that being on either end of the transaction can be stressful. Buyers may be under pressure to find a home quickly, for example, if they are transferring to a new job from a different location. Sellers want to get the best price in the shortest amount of time.

Working with a real estate agent can help make the process easier for everyone involved. And in the age of the Internet, working with an agent who is online is a must. Whether you’re buying or selling, to make sure you have the best information at your fingertips, look for a broker or agent who’s a member of Point2 NLS, the first national listing service for licensed real estate professionals.

“Point2 NLS makes it extremely easy to leverage listing data entered into the system, to quickly and easily put a property that’s for sale in front of millions more potential home buyers, which is in the best interest of the home seller, and makes the research experience that much more complete for buyers researching homes on the Internet,” says Brendan King, chief operating office Technology, the company behind the new listing service.

There are currently over 110,000 brokers and agents in 85 countries using this innovative program which allows agents to cooperatively advertise listings with other members in a wide geographic area not defined by arbitrary MLS boundaries. Another plus, NLS members have automatic, free access to advertising listings on most of the major consumer real estate search sites, which quickly and effortlessly puts listings in front of more potential buyers.

And those listings are rich with information. Each one can include up to 36 photos, and listings with five or more photos also feature a virtual tour, which means sellers can show all the great features of their home, while buyers can get a more complete idea of what a property looks like, inside and out.

Each listing also includes information about the neighborhood the home is located in, and a section where sellers can leave personal comments. “Since the current owners are the experts on their house and their neighborhood, buyers can benefit from their knowledge,” says Jeff Tomlin, manager of market research at Point2 Technologies. For example, the seller might talk about things they will miss about their home, like the fabulous walking and biking trails nearby that they love.

“The more in-depth content offered by Point2 NLS members gives home buyers richer, more complete information to help them in their search,” adds Saul Klein, president and CEO of InternetCrusade, a leading real estate training and consulting organization.

If you’re looking for an agent who utilizes Point2 NLS, simply go to www.Point2Homes.com and click on the Agents tab, then choose the state you’re in or moving to, select the city or neighborhood you’re interested in, and the site will show you real estate professionals who represent properties in the area. With a direct e-mail link, as well as other contact information, it’s easy to get in touch with these agents to speak with them in person.

“Point2 NLS is a great tool for both real estate agents and their clients,” says Klein. “While real estate agents can vastly expand their marketing activities and manage their business using the contact management and contact relationship development component of the program, home buyers and sellers benefit by having wider exposure for each property.”

Membership in Point2 NLS is open to all licensed real estate professionals, and is free of charge. With tens of thousands of agents already using the program and hundreds more joining each day, finding an agent who specializes in the states, cities and even specific neighborhoods you’re interested in should be easy.

Real estate agents can find out more by visiting www.Point2NLS.com. Buyers and sellers looking for an agent in their area who uses Point2 NLS can visit www.Point2Homes.com.

Courtesy of ARA Content

Facelift for the Middle-Aged Door

2007-05-22T02:51:00.000-07:00

Facelift for the Middle-Aged Door

(ARA) – These days, baby boomers aren’t the only ones worried about showing their age. When it comes to the middle-aged home, the front door is often the first to go.

That’s because exterior doors -- one of the larger openings on the home -- often take the brunt of UV exposure, wind and rain over a period of decades. A Harvard University study shows the average age of a home in the United States is 32 years old and rising, so doors definitely develop their share of “age spots.”

“It’s important to understand the causes and effects of wear and tear on exterior doors because they provide security and energy efficiency benefits, not to mention curb appeal, for the home,” says Shane Meisel, product marketing manager for JELD-WEN doors. “Proper maintenance -- just a little attention over time -- can help extend the life of exterior doors for many years.”

To maintain their youthful appearance, it’s important to regularly inspect exterior doors and repair problem spots, such as fading and the ill effects of water penetration. So with both performance and curb appeal in mind, here is a guide to recognizing and reversing signs of aging on exterior doors.

Anti-Aging Regimen for Exterior Doors

Proper finishing. The first defense against premature aging of doors is proper finishing. It’s important to follow the manufacturer’s directions and be sure to finish all six sides of the door. Even though you may not see the top and bottom, they can be conduits for doors to absorb moisture from the environment, causing swelling and cracking over time.

Correct exposure ratio. The placement of an exterior door plays a major role in its maintenance and longevity. It’s important to determine the amount of overhang that protects the door from sun and rain and understand the UV exposure generated by the direction the door faces. In mild climates, the overhang should equal at least one-half of the door’s height. More severe climates require larger overhangs. The industry term for the correct exposure ratio is “coefficient.”

High-performance materials. New advances in manufacturing technology have taken the worry out of wood doors. JELD-WEN now offers AuraLast wood for U.S.-produced pine wood doors and frames. Thanks to a revolutionary penetrating treatment process, AuraLast wood is guaranteed to resist termites and decay for 20 years, and AuraLast wood frames carry a lifetime warranty.

Periodic inspection and maintenance. Just like any other exterior surface, doors need cleaning and care each year. Homeowners should expect to refinish wood doors every two to five years. For solid wood doors, lightly sand, then wipe away dust with a clean cloth, slightly dampened with mineral spirits. For doors made of other materials, follow the manufacturer’s refinishing recommendations. Apply at least two coats of a fade-resistant exterior polyurethane with an ultraviolet inhibitor, following the manufacturer’s recommendations. Sand lightly between coats and be sure to finish all six sides of the door in the same manner.

Top Tips for Sprucing up the Front Entry

Once the entry door is properly finished and protected, homeowners may want to consider these inexpensive cosmetic upgrades.

1. Consider a new paint color. A touch of color for the front door gives the whole front of the home a lift. JELD-WEN’s new front door selector tool, offered at www.jeld-wen.com, allows homeowners to experiment with different looks online.

2. Install new hardware. This is one of the quickest and easiest ways to spruce up the front entry on your own. Be sure to consider how the color and finish of the hardware coordinates or contrasts with the color and texture of the front door, and select a low-maintenance finish. Examples of new hardware to consider are brass kick plates, door handles, door knockers, locks and even mail slots.

3. Incorporate house numbers and lighting at the entryway. House numbers are a huge trend in “exterior design.” With more stylish options available than ever before, this little weekend project makes a big impact at the front entry. Likewise, a matching exterior light adds a warm and welcoming ambience.

For more door care and maintenance tips from JELD-WEN or to browse new styles for replacement doors, visit www.jeld-wen.com.

Courtesy of ARA Content

Buyers, Current Homeowners Seek Eco-Friendly Materials

2007-05-22T02:48:00.000-07:00

Buyers, Current Homeowners Seek Eco-Friendly Materials

(ARA) - With the country going green, many homeowners are looking for eco-friendly materials when buying their next home. And as more homeowners struggle with high utility bills and become more concerned about the environment, many are updating their homes to be more eco-friendly.

The latest housing trend shows that many new homebuilders are constructing “green” homes. In fact, the National Association of Home Builders reports that eco-friendly construction will climb from 2 percent of all residential housing starts in 2005 to between 5 and 10 percent in 2010.

For those consumers in older, existing homes, there are many easy, affordable and immediate steps they can take to make their home more environmentally friendly. Here are a few from the National Building Museum:

* Lower the temperature on your thermostat. By lowering it just one degree, you can reduce heating costs in your home by nearly 4 percent.

* Install low-flow toilets, faucets and showerheads. These help reduce water consumption and water heating costs by as much as 50 percent.

* Repair leaky faucets. One drop per second from a leaky faucet can waste as much as 10 gallons of water each week.

* Purchase appliances with the Energy Star rating. An Energy Star-qualified refrigerator would save enough electricity to light a home for more than four- and-a-half months compared to a refrigerator from 1990.

* Select renewable resources when purchasing flooring products. Bamboo and cork surfaces are excellent choices for those wishing to purchase an eco-friendly product that will also provide a beautiful look in their home. Bamboo is actually a grass and replenishes itself naturally in the wild, so by using bamboo, consumers preserve the habitat of endangered wildlife. In addition to bamboo, cork is also another great option for those wishing to have a green or eco-friendly home. Cork is considered a green product because the same tree can be harvested numerous times. It is also durable, acoustical, long-lasting and is the best flooring available for allergy sufferers.

One popular retailer of bamboo and cork flooring is Lumber Liquidators. The company offers 13 varieties from three brands—Morning Star Bamboo, Supreme Bamboo and Schön Engineered Flooring—in varying sizes of floor boards and finishes. Lumber Liquidators also offers four different cork flooring options from Lisbon Cork that all come with a 25-year warranty.

“We’re at an age where consumers are becoming more concerned about what they put in their bodies, and in their homes,” said Tom Sullivan, founder and chairman of Lumber Liquidators

While constructing a green home from the ground up may not be doable for many homeowners, these suggestions can help make their existing homes more green and even help save some money in the process.

Courtesy of ARAcontent

Choosing the Right Vacation Property for You

2007-05-22T02:47:00.000-07:00

Choosing the Right Vacation Property for You

(ARA) – Vacations produce a lifetime of memories. No matter where you go, you get to spend quality time with your friends, family and the people you care about. Many travelers realize this is priceless and have decided to investigate owning a vacation home or joining a destination club.

According to the National Association of Realtors, vacation and investment-home sales both set records in 2005, with the combined total of second home sales accounting for four out of 10 residential transactions.

“Deciding to own a second home or join a destination club really should be viewed as an investment in memories that are yet to be made,” said Steve Greer, CEO of an organization that specializes in luxury vacation residences. “Choose what fits you and your family’s needs best.”

There are many options for different people depending on what they want out of a vacation investment. Some feel like a second home -- whether it is a cabin up north, cottage on the beach, or condo for the winter months -- is the best option. Others believe joining a destination club might suit their needs better. Here are some things to think about for each option:

Second Home

Vacation homes are permanent destinations that work well for those who know they enjoy one area, want to return time and time again and perhaps want to stay for an extended period of time. Owning the home gives the person the ability to decorate, organize and change the home to fit their needs.

With this freedom comes home maintenance that often takes a lot of time and can be costly. If you live away from your vacation home, you will need to hire someone to take care of the lawn and clean while you are away. If you live close, you could spend many hours on regular maintenance, not including unanticipated problems.

“Vacation homes often need to be opened in one season and closed during another. Before purchasing, understand the time and financial commitment maintenance will take to be sure there are no surprises,” says Greer.

Destination Clubs

Destination clubs consist of members who join a country club type of organization to utilize a portfolio of properties owned by the club. The clubs work well for someone who enjoys the privacy, space and conveniences a home offers, but doesn’t want to be tied down to just one location. Members also don’t have to worry about maintenance because the organization takes care of each property. Members find the costs of club membership to be typically more commensurate with the amount of travel they will likely undertake.

Destination clubs also provide vacation planning and on-site concierge services to help members make the most of their vacation experience. One example is The LUSSO Collection, which specializes in luxury accommodations for its members, and strives to provide personalized service to ensure an unforgettable experience.

With properties in locations such as Lake Tahoe, Calif.; Cabo San Lucas, Mexico; Manhattan; Hawaii; the Bahamas and other choice destinations, LUSSO provides members unlimited access to multi-million dollar vacation homes. Residences are fully equipped with all needed items including a Lincoln Navigator, golf clubs, a gourmet kitchen stocked with pre-arrival groceries and amenities for all travelers regardless of age.

The country club similarity extends to the economic structure, whereby members pay a fully refundable deposit (currently $350,000) and annual dues for unlimited access to the clubs portfolio of residences and services.

When a friend presented Harry Hoopis, Managing Partner of Northwestern Mutual Financial Network, with an opportunity to join LUSSO, Harry had already done his due diligence on fractionalized vacation models. He decided to sell his vacation property and cut “the headaches of maintenance, association fees, security, taxes and other issues .... This was exactly the right club for me and my family at the right time.”

The right choice for you depends on what you really need and want out of future vacations. By exploring your options, you will ensure that you make the right choice for future memories.

For more information, visit www.lussocollection.com, or call (866) GO LUSSO.

Courtesy of ARAcontent

An Extreme Exterior Makeover on a Not-So-Extreme Budget

2007-05-22T02:46:00.000-07:00

An Extreme Exterior Makeover on a Not-So-Extreme Budget

(ARA) - How does a real-life home makeover with a celebrity designer play out when the television cameras aren’t rolling?

The Villaluna family of San Marino, Calif. found out when Chayse Dacoda, an L.A.-based author and designer on the home improvement television series "While You Were Out," made a house call to help them transform their 1934 Tudor home.

A young, professional couple with two small children, the Villalunas bought a fixer-upper three years ago and have been working their way through a variety of renovations, but were stuck on the front of the house, and on a tight budget.

They entered and won the "Transform Your Home Contest” sponsored by garage door manufacturer Clopay and Meredith Corporation, publisher of several magazines including “Better Homes and Gardens.”

“The ‘a-ha’ moment for us was seeing how minor cosmetic changes and a not-so-outrageous budget can yield big improvements to a home’s curb appeal,” says homeowner Doojduen Villaluna. “We weren’t pretending to do a $75,000 transformation on a $5,000 budget, but the results look like we spent that much.”

In fact, the makeover cost about $10,000. The budget included a new garage door (about $3,500), $500 in exterior lighting fixtures and $6,000 toward the cost of repainting and landscaping the home.

The Process

Villaluna and her husband are experienced remodelers, but they had never utilized a designer before. Even so, they had no problem letting Dacoda take the reins.

“Since we are avid home improvement enthusiasts, we were well aware of Chayse’s style from watching her transform homes on T.V. and very excited to see what her ideas would be for ours,” Doojduen adds.

The makeover was definitely a collaborative process, and in this reality re-do, there was no drama.

“At the very first meeting it was clear that Chayse’s vision for our home was going to bring out the cottage charm, yet stay true to its French-Country style, which was important to us. The only suggestion we elected not to do was to repaint the stucco, since that had been done less than a year ago, and the existing color was almost identical to the shade she recommended.”

That decision allowed Dacoda to reallocate some of the paint budget towards decorative accents like a wood fence, Adirondack chairs and a birdbath, which had a huge impact.

”Our house used to be one of the darkest and least welcoming homes on the block. Now it’s bright, inviting and a real standout in the neighborhood,” says Villaluna. “Without a doubt, people comment most often on the garage door. They can't believe that simple change transformed the entire look of the house.”

The Plan

Chayse Dacoda turned the Villaluna home into a stunning French-Country cottage. While the makeover was dramatic, the plan was simple. Here’s a breakdown:

1. Replace the garage door: The old ribbed, metal garage door belonged on an industrial building instead of the front of this historic home. Replacing it with a Clopay Reserve Collection Redwood carriage house door added instant old-world charm.

2. Lighting: The wrought iron lights echo the decorative antique hardware on the doors creating a cohesive look.

3. Paint: To brighten the exterior, Dacoda suggested painting the front door light beige and the windows’ trim a brick red.

4. Landscaping and Decorative Accents: Lush greenery and accent pieces like Adirondack chairs, a stone birdbath and a redwood fence were installed in the front yard.

“You can achieve dramatic results on a realistic budget if you know where to invest your dollars,” says Dacoda. “When considering a makeover, I encourage homeowners to look at exterior details they can add or enhance. Some key areas to focus on are the garage door, especially if it faces the street, the front door, lighting fixtures, landscaping, the paint color scheme, and accent pieces like house numbers, porch furniture, window boxes or planters.”

For more information on this and other exterior makeovers by Chayse Dacoda visit www.clopaydoor.com.

Courtesy of ARAcontent

Top Five Reasons to Refinance Your Home

2007-05-22T02:45:00.000-07:00

Top Five Reasons to Refinance Your Home

(ARA) – Although no one knows for sure if interest rates are going to go up, down or stay the same, if you need to lower your monthly expenses or find some extra cash, now might be the right time to refinance your home.

The question is not only when to refinance, but why, according to Matt Coffin, president and founder of LowerMyBills.com. “Right now interest rates are low, but even if they weren’t, there may be some people for whom refinancing makes sense,” he says. “The reasons for refinancing can be as diverse as the homeowners who use this tactic to help manage their finances.”

To decide if refinancing is right for you, you’ll need a comprehensive picture of your current financial health and the costs of your current mortgage. You should also know exactly what your objective is. “What do you want to get out of your refinance?” Coffin questions. “Do you want to lower your monthly mortgage payments or cash out some equity to pay off other, higher interest, debt?”

Top five reasons for refinancing include:

1. Spend Less Each Month – These days, life seems to come down to monthly payments. If you are stretching to meet your monthly payments on your mortgage, maybe you need to consider refinancing options. If you can get a lower interest rate than you currently have, you'll be able to save substantially on your monthly payment.

2. Refinancing Your High Interest Mortgage - If you have owned your home for a while -- and you bought it before the interest rates hit rock bottom -- you have a lot of options available that can help you save more money. For instance, even with a simple refinance at a lower interest rate, you will be saving money each month.

3. Refinancing Home Mortgages to Extend Your Term - If interest rates are lower than they were when you bought your home, you can refinance and take out another 30 year fixed mortgage. You are now borrowing less than you had to when you first bought your home, at a lower interest rate, spread out over more time. Your monthly payment is likely to drop considerably. Web sites like www.LowerMyBills.com can help you review all your mortgage refinance options.

4. Moving from an Adjustable Rate Mortgage or Interest Only to a Conventional Fixed Mortgage – Some loan types that worked well for you at first, may not be the best option when interest rates start to climb. Adjustable rate mortgages or interest only loans can be a good way to start out with a lower monthly payment, but the monthly payments can balloon once the initial fixed term ends. Also, interest only loans will not help you build equity in your home. “Refinancing to a conventional loan can save you lots of money and uncertainty in the long run,” says Coffin.

5. Eliminating Other Debt – If you have significant credit card debt at high interest rates, it may make sense to refinance in order to pay off that debt. Not only will the interest on your mortgage be lower than nearly any credit card rate, you will be building equity in your home and can enjoy the tax breaks that come with mortgage payments. “Many people refinance to consolidate debts like student or auto loans because they like the idea of having just one monthly payment,” Coffin says.

To learn more about refinancing, visit www.LowerMyBills.com.

Courtesy of ARAcontent

Buyer’s Market and Remodeling Wave Benefits Everyone

2007-05-22T02:44:00.000-07:00

A Buyer’s Market and Remodeling Wave Benefits Everyone

(ARA) - The advantage typically tilts toward those buying homes in today’s housing market. Interest rates are low and housing inventories are up. But the tricky part for everyone is that buyers are often also the sellers and typically depend on selling their existing home to buy a new one. According to the National Association of Home Builders (NAHB), consumers can buy and sell in a soft market and still come out ahead.

“Whatever you’ve heard to the contrary, soft markets are not dead markets. People are selling houses successfully every day -- over 6 million resales this year alone, the third highest annual resale total in American real estate history,” says Kenneth R. Harney, a nationally syndicated real estate columnist. “To begin with, you’ve got to understand that while it may be a difficult time for sellers right now, it’s a great time for buyers. And many consumers happen to be both.”

Despite a current buyer’s market, a move may not be in your future. Certainly, you’re not alone. The remodeling market is booming as well as homeowners increasingly opt to upgrade their homes and remain in their familiar neighborhood. Remodeling spending surpassed $200 billion for the first time in 2005 and is expected to lead the residential construction industry in growth over the next decade, according to NAHB.

Whether you’re buying, selling or staying put, there are many factors to consider to help make sure your new or existing home performs at its best. Pella Windows and Doors offers these considerations when working with a window or door expert in making buying decisions for your new home, renovation project or as you get ready to sell your home:

Increased energy efficiency is key -- Windows and doors should increase the comfort in a home. Energy-efficient quality double or triple-pane windows (wood, fiberglass or vinyl) and doors help keep the home warmer in the winter and cooler during the summer.

A sign to look for in quality windows and doors is ENERGY STAR, symbolizing the most energy-efficient products. Also be sure to read the National Fenestration Rating Council (NFRC) label for more details on product performance. Other key ingredients for energy-efficient windows are low-emissivity (Low-E) coatings, inert gas fill, multiple layers of glass, air infiltration prevention and insist on proper installation.

Breathe easier while cutting utility bills -- In warm weather, opening operating windows reduces dependency on air conditioning to help lower utility bills while filling the home with fresh air. Using windows for ventilation also helps prevent overheating caused by direct sunlight.

Increased home value potential -- Adding quality windows and doors to a new home or replacement or remodeling project can positively affect your home’s value. Windows and doors are seen from both the interior and exterior of the home and positively impact the all-important curb appeal. Plus you may qualify for U.S. tax credits on next year’s tax return. Check with your local utility company, as many offer rebates for replacing old windows and doors with more energy-efficient options.

Proper installation -- Pella offers a step-by-step installation process to help make the installation job easier and to provide years of enjoyment from quality windows and doors. These steps include:

* Inspecting new products and preparing them and the home for installation

* Protecting the work area by placing drop cloths on furniture and flooring

* Removing old windows and exterior doors

* Installing new windows and doors using Pella’s own proven Window and Door Installation Method designed to help seal out air and moisture

* Cleaning up the work area

* Performing a final walk-through and explaining how to operate the windows and doors

* Hauling away the old windows and doors

Read the fine print -- Quality windows and doors will come factory-assembled for consistency with a quality warranty. Familiarize yourself with them and ask about financing options.

Now’s the time to bolster your bottom line -- Take advantage of current market conditions to make your next move a profitable one. By choosing energy-efficient windows and doors you’ll be comfortable whether you buy, sell or add to your existing home.

For more information on home improvement featuring windows and doors, contact a local Pella Window and Door Showroom expert by calling (888) 84-PELLA or logging on to www.pella.com.

Courtesy of ARAcontent

A Handy Guide for Do-It-Yourself Movers

2007-05-22T02:43:00.001-07:00

A Handy Guide for Do-It-Yourself Movers

(ARA) - As many as 17 million household moves take place each year in the U.S.

If you are among the do-it-yourselfers, Penske Truck Rental offers step-by-step guidance at www.GoPenske.com. Here are a few tips to get you started:

* Truck Selection. Most movers find the 12- or 16-foot truck perfect for moving a few large items or the contents of a small condo or apartment. For guidance with larger moves or your truck selection, visit www.GoPenske.com.

* Reserve Early. Penske suggests reserving your truck at least two weeks in advance -- a truck is guaranteed with every Penske reservation.

* Pack Smart. Load the heaviest items on the truck first. Avoid injury when lifting, by always bending your knees and lifting with your legs.

* Use Accessories. Boxes, packing tape, bubble wrap, moving blankets, and hand trucks are all essential moving tools that help protect your items during your move, making your experience more enjoyable.

* Mark Your Boxes. Label the outside of your boxes as you pack. It makes it easy to put the boxes in the right room when you unload at your final destination.

* Safety & Security. Trucks are taller, wider, heavier, and require more stopping distance than the vehicle you are used to driving. To ensure a smooth moving day, pick up your truck a day early and practice driving it. Take extra precautions, especially when the truck is loaded. Use caution near low hanging tree branches, building overhangs and when cornering. Park in well-lit areas and padlock the rear door. Penske offers 24/7 emergency roadside assistance and optional protection plans.

Finally, with most family belongings packed tightly away, create a travel bag for moving day to keep important paperwork, credit cards, identification, change of clothes, drinks and snacks close at hand. For a complete list of moving tips, visit www.GoPenske.com.

Courtesy of ARAcontent

How to Handle a Home Remodel

2007-05-22T02:42:00.000-07:00

How to Handle a Home Remodel

(ARA) – Whoever coined the phrase “a man’s home is his castle” probably never imagined how close to true that phrase would become in modern home building. “More” seems to be the operative word in new home design these days, from more living space and rooms to increased upgrades, bells and whistles.

Perhaps as a backlash against the “McMansion” trend, many homeowners are opting to remodel the home they have, rather than build something new. Even if you are among those who choose to stay put, chances are you’ll want the same upgrades and extra touches found in many new homes. But trying to keep up with the neighbors could break the bank if you make unwise decisions.

“Budget and benefit are the two most important factors to consider when planning any home remodeling project,” says Maxine Sweet, vice president of public education for Experian. “Homeowners need to set firm goals, have realistic expectations and commit to a budget to make their remodel succeed.”

So if you’re thinking about a home remodeling project, consider these tips first:

Tip One: Know what renovation projects will deliver the most value.

Some of the hottest trends in new home building may not be the best investment for your remodeling dollars. Sure, you can install a second laundry room in your master suite, or create a luggage room where your on-the-go family stores their bags between trips. But when it’s time to resell, those improvements aren’t likely to provide as much return on investment as a kitchen or bath redesign. However, if you plan to stay in your home for many years to come and you travel extensively, then the luggage room might make sense for your family.

If you want to improve resale value, go with the tried and true, such as kitchen and bath upgrades. If you won’t be selling anytime soon, choose upgrades that enhance your enjoyment of your home.

Tip Two: Find the trend that fits your lifestyle.

Walk into virtually any home improvement store and you could lose your head over some of the thrilling upgrades available today. But those glass fronted kitchen cabinets that you loved in the showroom may not be your favorite home improvement when you find they require almost daily cleaning. The whirlpool bath with warm-air vents may be wonderful for grown-up enjoyment, but not the ideal place to bathe your toddler.

“Don’t let dazzling effects distract you from your ultimate objective of enhancing your home in a way that makes sense for you,” says Sweet.

Tip Three: Have your financing in place before the first nail goes in the wall.

“The surest route to disaster is to start work before you know how you’ll pay for it,” says Sweet. Before hiring any contractors or buying materials, establish your budget. You can finance your project a number of ways, and one of the most popular methods is a home equity loan. Because your home is the security for the loan, you will probably be able to get a lower interest rate and even some tax breaks. The amount you already owe on your house and your credit rating will affect how much you can borrow for remodeling.

Before applying for financing, it’s a smart idea to check your credit report. Credit reporting companies like Experian make your report available online (www.experian.com). Obtain a copy and make sure everything is in order, with no payment disputes, accounts you don’t recognize or other questionable items. If you find something wrong, rectify it before you apply for financing.

“With careful planning, you can accomplish a home remodeling project that will both improve your home’s value and enhance your family’s enjoyment of your house for years to come,” says Sweet.

For more information about credit, visit www.experian.com.

Courtesy of ARAcontent

Model Home Tricks Help Maximize Your Home’s Value

2007-05-22T02:40:00.002-07:00

Model Home Tricks Help Maximize Your Home’s Value

(ARA) – Perfectly manicured, emerald green lawns flanked by floral beds. Acres of granite counter top and gleaming stainless steel appliances. And everywhere you look are surfaces clean enough to eat off -- that’s the appeal of the model home.

There’s a reason why model homes look the way they do. Builders know that everything they do to make a house look visually appealing amounts to actual dollars, and often thousands of dollars, added to the sale price. The same principal applies to your home.

Whether you’re planning on selling, or just sprucing up your house to make it more enjoyable to live in, mimicking the ideal appearance of a model home can yield impressive results. Here are some tips and trends to help make your house a showplace:

* Start with curb appeal. This is especially important if you’re planning on selling. First impressions are lasting ones and unmown grass or shabby planting beds make the kind of statement you want to avoid. Keep grass well trimmed and planting beds watered. If you don’t have a green thumb, choose easy-to-grow flowers, like petunias, to add pizzazz to your landscaping.

* Cleanliness is essential. Whether you’re selling your home or living in it, keeping it clean is a top priority. Clean homes are better preserved, more healthful places to live. And homebuyers rank dirty houses at the top of their turn-offs list. You probably take care of the kitchen and baths regularly, but don’t forget the need to shampoo the carpet occasionally, especially if it is worn or old. And take the time to do the windows -– you’ll be amazed at the difference it makes to your home’s appearance, both inside and out.

* Cut the clutter. Living in a cluttered environment is harmful on so many levels –- from your home’s sell-appeal to your own self esteem. Decreasing clutter opens up the visual space in your home and can inspire greater decorating creativity.

* Take care of repairs as quickly as possible. Some things simply can’t wait, like a leaking roof. But try not to put off small repairs that may not seem consequential –- like the toilet that needs the handle jiggled every now and then. Small repairs can become big problems if they add up or get worse with time –- and they always do.

* Put your decorating dollars into the rooms and trends that give the biggest payoff in both your enjoyment of your home and appeal to potential buyers. Focus on the kitchen and baths. No penny spent in those rooms is ever wasted, whether you’re simply dressing up the bath with new towels or installing granite counter tops in the kitchen. Granite counter tops are a must in model homes, as are gleaming clean baths.

* Consider adding an interior designer touch, such as a custom wall mural. Increasingly popular among designers, wallpaper murals are popping up in model homes across the country. Designers are using them to enhance kitchens, brighten baths and create bold statements in common areas of the house, according to Murals Your Way, makers of easy-to-install custom wallpaper murals. “To have someone paint a mural costs thousands,” states interior designer, Lisa Fields who installed a wallpaper mural depicting Michelangelo’s Creation of Adam in a hallway ceiling. “I love being able to have the same look while staying within budget.” For more wallpaper mural ideas, visit www.muralsyourway.com.

Mimicking the design techniques and selling features of a model home can help you maximize your enjoyment of your home as well as its resale value.

Courtesy of ARAcontent

New Law Gives Many 2007 Home Buyers First-Ever Federal Tax Deduction for Mortgage Insurance Premiums

2007-05-22T02:40:00.001-07:00

New Law Gives Many 2007 Home Buyers First-Ever Federal Tax Deduction for Mortgage Insurance Premiums

(ARA) - Home buyers have something new this spring to factor into their home financing calculations: A new federal tax deduction allows many qualified families to write-off premiums for private and government mortgage insurance on loans that close in 2007.

This is the first time that homeowners who have low down payment loans with mortgage insurance will be able to deduct the cost of their mortgage insurance premiums, and the average annual tax savings for qualified families will be between $300 and $350.

The new deduction, passed by Congress and signed into law by President Bush late last year, is effective for the 2007 tax year.

Under the new law, private mortgage insurance (PrivateMI) premiums are now fully tax deductible for borrowers who buy or refinance a home this year if their adjusted gross income is $100,000 or less. Families with incomes of more than $100,000 and up to $109,000 will be eligible for a reduced deduction.

“Making the cost of mortgage insurance tax deductible helps those who need it most: low- and moderate-income Americans, primarily first-time home buyers, who are financially responsible but simply don’t have the means to amass a 20 percent down payment,” says Steve Smith, chief executive officer of The PMI Group, Inc. and President of Mortgage Insurance Companies of America (MICA).

The tax change to give a deduction for mortgage insurance comes at a time of changing real estate market conditions and regulatory warnings about the risks of exotic loans.

Mortgage insurance plays a crucial role in maintaining the stability and continued health of the mortgage finance system. With rising interest rates and slower appreciation of home prices, many people who used exotic loan structures are being surprised with higher monthly payments.

Compared to other financing options, a mortgage loan with PrivateMI is often more affordable and its fixed, predictable premiums provide consumers with peace of mind -- and now a tax deduction. And PrivateMI is cancelable once the homeowner has built up enough equity in the home.

Private mortgage insurance premium prices vary based on the size of the down payment, type of mortgage and amount of insurance coverage. The cost of PrivateMI for a median-priced home -- the projected national median price in 2007 for a single family home is $224,500 -- ranges from $50 to $100 per month.

“This new tax deduction will make loans with private mortgage insurance even more attractive for home buyers who are on the cusp of homeownership,” says Suzanne Hutchinson, MICA’s executive vice president. “The wide-ranging group of organizations that support this important tax break will certainly be working to extend the deduction beyond 2007.”

Consumer groups have had high praise for the new law.

“Homeownership contributes substantially to social stability,” says Bruce Hahn, president and CEO of the American Homeowners Grassroots Alliance. “Yet homeownership remains just beyond the grasp of millions of Americans. Making the cost of mortgage insurance tax deductible helps put homeownership within reach for many more families.”

Tax day in April 2008 -- when taxes are filed for 2007 -- could bring new benefits to qualified home buyers who will buy or refinance homes this year with tax deductible private mortgage insurance.

“This tax deduction will create important social benefits by offering relief to over-burdened taxpayers,” says John Berthoud, president of the National Taxpayers Union. “Finally, homeowners will have the ability to make all the costs associated with the ongoing financing of their home truly tax deductible.”

Advocates for African American and Hispanic groups also note the benefits of the new tax break.

“A tax deduction for mortgage insurance premiums will go a long way to help homeowners and potential homeowners who simply want to own a piece of the American dream,” says Marc H. Morial, president and chief executive officer of the National Urban League. “I congratulate both the U.S. House and the Senate for doing what’s right to make the goal of affordable homeownership a reality for every American.”

“Currently, many Latinos need loans with private mortgage insurance because they are unable to afford the 20 percent down payment traditionally needed to buy a home,” says Guarione M. Diaz, president and CEO of the Cuban American National Council. “Policies such as this one help these families realize the aspiration of homeownership and fulfill an essential element of the American dream.”

“With a U.S. Hispanic homeownership rate of 48 percent (20 points below the national average of 68 percent), this legislation would enable more hardworking Hispanic families and consumers to become homeowners,” says Manny Mirabal, president and CEO of the National Puerto Rican Coalition. “An estimated 33 percent of the families benefiting from this tax deduction would be minority homeowners.”

Courtesy of ARAcontent

Planning to Build? Make Sure You Hire the Right Architect

2007-05-22T02:38:00.000-07:00

Planning to Build? Make Sure You Hire the Right Architect

(ARA) – When you make the decision to build a new home, there are a lot of things to consider. Among them, is the neighborhood right for you? What kind of lot do you want? Will you be close enough to work, school and shopping?

No matter where you end up, perhaps the most important decision you make will be who you choose as your architect. If you haven't worked with one before, you may be wondering whether your project really requires an architect, particularly if it will be your personal residence. According to the American Institute of Architects, the answer is yes.

The agency points out that using an architect is critical for any building project to be successful. The architect is the big picture person, and he or she will handle a number of duties. Among them, helping clients explore what appeals to them aesthetically and what they require functionally; coordinating teams of design, engineering and construction professionals; and sorting through the maze of building codes and zoning requirements to ensure projects are built the way they were intended.

Rebecca Jones of Chevy Chase, Md., knew all that going into her project. However, since she’s an interior architect by profession, she thought she could design her dream home on her own. “Big mistake,” says Jones. “I had photographed a house in Texas that I absolutely loved and thought I could replicate it on my own, but it didn’t take long for me to realize I was in well over my head.”

While the design of the home came naturally to her, translating her ideas into terms contractors, electricians and plumbers would understand did not. “When I realized I wasn’t doing a good job in that department, I decided it was time to hire an architect.

The person she chose for the job was Jack Arnold, the man who had designed that home in Texas she liked so much.

Arnold is known across the U.S. as an expert in European residential design. His success as an architect stems from both an academic and hands-on education that takes him from local construction sites to premier European museums. From his childhood years constructing forts and tree houses to his 30-year career as a noted architect, Arnold says he has always sought to create something that pleases the eye.

“I really liked his attention to detail, quality and sophistication,” says Jones. “That’s why I decided to hire him.” After their initial consultation, Arnold put together a set of plans, and changes went back and forth via email until everyone was completely satisfied.

“It was a great collaboration,” says Jones. “Jack pushed me to do things I never would have done on my own.”

Jones’ home has a Country English design with high peak ceilings, high arched windows, stone accents around the doors and windows and varied roof lines. The interior has a lot of natural light shining through.

“It was designed to be an empty nester’s home, and everyone’s needs have been taken into consideration,” says Jones. “The master is on the first floor and has a separate sitting room with a small office for my husband right above it. The great room is configured right off the kitchen which makes it perfect for entertaining. There’s a separate wing for my mother, who is 81 and will be moving in with us, and the home is compliant with the Americans with Disabilities Act throughout.”

While the home Jones had built was custom, Jack Arnold also offers detailed plans for several luxury homes you may be interested in building. Each plan comes with numerous pages of elevations, schedules and specifications to give clients and their builders comprehensive direction on how to create the home they envision.

There are four portfolios available: Country French Classics, Old World Romantics, Dream Home or Cottages, and they are available for purchase online. Log on to www.jackarnold.com http://www.jackarnold.com to find the plan for your dream home.

Courtesy of ARAcontent

How to Improve Your Home’s Curb Appeal

2007-05-22T02:36:00.000-07:00

How to Improve Your Home’s Curb Appeal

(ARA) – Does your home have curb appeal? Better make sure the answer is “YES” before you put it on the market. According to the National Association of Realtors (NAR), it just may make the difference between selling your property quickly, or having it linger on the market for months.

Just a few short years ago, when mortgage rates were low and the economy was booming, homes were selling almost as quickly as they hit the market. NAR statistics show it is now taking an average of four weeks to sell a home.

If it’s taking longer than that in your case, there may be a good reason. Perhaps your asking price is too high, or there’s too much competition in the surrounding neighborhood. Both are problems you can easily deal with.

Ask your realtor to run a report on comparables to see if your price is indeed too high, and in the meantime, drive up to your home and pretend you’re a potential buyer. What is the first thing you notice?

If your attention is focused on cracks in the driveway, paint on the shutters that’s peeling and dead branches hanging from the trees, it won’t take long before you come to the realization that your home isn’t selling because it lacks curb appeal. So what can you do about it? Make a list of the projects you need to complete right away, then run out to the closest home improvement store and buy your supplies.

* The driveway

Often the first step a perspective buyer takes on your property is on the driveway, so make sure it makes the right impression. If your driveway is gray and weathered, or worse, cracked and crumbling, this may scare off buyers. The good news is that repairing and beautifying your driveway can be done quickly and easily, and wow, what a difference it makes.

Start by thoroughly cleaning the surface with a spray on driveway cleaner and letting it dry completely. Once the surface is clean, you can apply your sealer using an applicator that has a squeegee on one side and a brush on the other to spread and smooth the mixture.

There are a lot of asphalt sealers on the market, but do you and your eventual buyer a favor by investing in a product that beautifies and protects. Black Jack Drive-Maxx 700 is a better quality blacktop filler and sealer that contains sand particles to help fill in the small cracks in the surface and it is enhanced with latex which helps with durability. It is a gel based sealer that applies faster, easier and with less mess, what a combination!

It would also be a good idea to have a bottle of Black Jack Blacktop Crack Filler on hand in case cracks should form after the driveway has been resurfaced. You can find both the crack filler and blacktop sealer at Lowe’s and other home improvement stores nationwide. Log on to www.gardner-gibson.com for access to a store locator.

Paint

If the paint on the shutters is peeling away, but the rest of the house looks okay, take the shutters down and repaint them. You may want to repaint the front door to match as well. It would also be a good idea to pressure wash the house and sidewalks, particularly if there are water or dirt marks from the sprinklers.

Landscaping

As far as the landscaping goes, start by removing all the dead branches and leaves from your trees and shrubs, and making sure they have shape to them. Overgrown plants are a big turn off.

You should also be sure the lawn is well maintained. If you don’t have time to cut it every week, and remove the weeds, hire someone to do it for you. And if there’s no color in the yard right now, add some. Pansies, petunias, marigolds and daisies look great whether they’re planted in flower beds or in pots by the front door. Either way, be sure to cover the dirt with mulch, which holds moisture and prevents weed growth.

Other tricks you can try to improve your home’s curb appeal, get a new front door, wash the siding and front windows and replace the weathered mailbox and house numbers. In the grand scheme of things, these small investments will pay huge dividends. They’ll set your home apart from the competition!

Courtesy of ARAcontent

Click, Click, Move: How the Internet is Changing How We Move

2007-05-22T02:34:00.000-07:00

Click, Click, Move: How the Internet is Changing How We Move

(ARA) - Moving season is upon us. According to the American Moving and Storage Association, half of all household moves take place between May and Labor Day. Overall, 43 million Americans move every year.

Planning a move can be time-consuming and nerve-wracking, but two things can help make the process go more smoothly: educating yourself through research, and working with a realtor you trust.

“In the last year, there has been an explosion of free real estate information on the Internet,” says Michael Yang, general manager, Yahoo! Real Estate. “More than ever before, potential buyers are better educated by access to home price estimates, comparable home sales, and satellite pictures of houses on the market and their neighborhoods. And the information is available without paying a penny.”

Online research will help you determine price ranges for a particular neighborhood, view homes’ proximity to local businesses, and get estimates and historical sales data for individual properties.

Yang points out that one of the most popular features on Yahoo! Real Estate is Schools Search. “Living near a good school is crucial for parents and anyone planning to start a family. But, it’s also a good investment factor for any home buyer as houses in good school districts tend to sell faster and at higher prices than homes in other areas.”

Once you’re feeling smarter about your target neighborhood and price range, it’s time to team up with a realtor. If you’re well established in the area, ask friends and family for a recommendation.

If you’re moving into a new area, consider turning to the Internet for help. The “Find A Realtor” service on Yahoo! Real Estate allows you to interview realtors anonymously by email before choosing the one that best fits your needs. You can compare the agents’ experience and sales commissions as well as their proposals on how they would work with you.

Once you have found and closed on your new home, it also helps to look for ways to save money on moving. Shop around for the best deal on movers, either online or in the phone book. Once you have a few candidates in mind, ask to speak to references. When it comes to your precious belongings, a few extra steps never hurt. For those who prefer packing themselves, one tip is to find previously used boxes from grocery or wine shops. This is not only a cost-effective means of packing but is also eco-friendly. Consider it keeping both your bank balance and the world “greener.”

Courtesy of ARAcontent

Staged to Sell In a Soft Real Estate Market

2007-05-22T02:33:00.000-07:00

Staged to Sell In a Soft Real Estate Market

(ARA) - Selling your home can be a challenge that may seem especially daunting in a softer real estate market. If you decide now is the time to sell, there are several aspects that can make your home more attractive to potential buyers. Following this advice may help justify your asking price and attract buyers.

Setting the stage

There is a science to selling your home and in tight economic times, you want the exact elements to combine for successful selling opportunities. Dozens of online resources help guide you in staging your home to appeal to potential buyers. One of the more popular sites, Home and Garden Television (HGTV) offers these ideas:

1. What an entrance!

The outside of your home is the all-important first impression. And like it or not, it speaks volumes about what’s inside -- and about its owner. Glossy paint in a bold, cheerful color for the front door, new hardware, a doormat and seasonal potted plants on the porch will dramatically brighten and refresh your home’s entry and make a welcoming statement.

2. Create spaces

Part of what stagers do is create fantasy spaces: an exercise room, a meditation space, an art studio or a family game room. If a room currently only gathers junk, repurpose it into something that will add to the value -- and enjoyment -- of the home. Adding an armchair, a small table, and a lamp in a stairwell nook will transform an area into a cozy reading spot.

3. Brilliant natural light

Take off old, heavy drapery and put up something light and airy. This allows natural light and makes a previously closed-in space seem larger. Simple sheers on a tension rod are great for screening an unattractive view and providing some privacy while letting in light and visually enlarging a room. If privacy is paramount, top-down, bottom-up shades will block the neighbors’ view of your bathtub but still let you gaze at the sky while you soak in the tub.

Pella Designer Series windows and doors feature top-down or bottom-up shade options tucked neatly between panes of glass, so there’s no clutter of traditional room-side blinds and no need for dusting. The beauty of this product is since the window treatments are included in the window, their purchase price can be built into the mortgage.

Brand name windows

In today’s competitive market, buyers look for brand names everywhere in a home. While a name brand range or a countertop are influencers in the kitchen, so are quality name brand windows and entry doors throughout the home. Many sellers list Pella windows and doors by name in ads, adding a mark of distinction about a home offered for sale. More than just a quality name, Pella offers quality products in its wood, vinyl and fiberglass composite window collections. Plus, Pella has long been a leader in creating energy-saving products. The company was recently named a 2007 ENERGY STAR partner of the year winner among window manufacturers.

With Pella, homeowners can expect excellent performance, energy efficiency and peace of mind, knowing their investment in quality windows and doors will bring years of performance and satisfaction.

Only Pella offers its Rolscreen insect screen for windows and patio doors, which rolls out of sight when not in use. Another eye-catching option is the virtually transparent Vivid View insect screen which allows in more natural light and ventilation offering great views from inside or out.

Women as influencers and buyers

Knowing your audience is especially important when selling your home. Women directly purchase or influence the purchase of 91 percent of all new homes, according to the Business Women’s Network.

In today’s market, single women homebuyers are an especially powerful consumer segment -- 51 percent of American women live without a spouse according to the New York Times.

According to trend researcher Iconoculture, single women homeowners as a segment is “on the verge of a virtual marketplace takeover as women delay marriage until later in life and enjoy greater financial, intellectual and emotional independence than ever before.” According to the National Association of Realtors, single women purchased 1.76 million homes from July 2005 to July 2006 -- 22 percent of the housing market and more than double the 9 percent of homes bought by their single male counterparts.

Make sure your home is designed to sell and direct your efforts to the highly influential female market as buyers, decision-makers and passionate decorators.

For more information on home improvement featuring windows and doors, contact a local Pella Window & Door Showroom expert by calling (888) 84-PELLA or logging on to www.pella.com.

Courtesy of ARAcontent

Need Help with a Mortgage Loan? Try the Bank of Mom and Dad

2007-05-22T02:32:00.000-07:00

Need Help with a Mortgage Loan? Try the Bank of Mom and Dad

(ARA) - News headlines continue to detail the struggles homeowners face keeping up with escalating adjustable rate mortgage payments, the collapse of subprime lenders and mounting home foreclosures nationwide. Even without these market troubles, banks offer so many different and confusing mortgage products that it’s hard to know what’s in the homebuyer’s best interest. These days, choosing a mortgage is a daunting experience for first-time homebuyers.

Increasingly, homebuyers are rediscovering an old option for financing their mortgage, one that sidesteps the confusion, paperwork nightmares and threats of skyrocketing variable interest rates: They’re taking out a private mortgage from the Bank of Mom and Dad.

A private mortgage is a home loan from a relative, friend or other individual that is secured by real estate. A private mortgage (also called an intra-family mortgage) can provide the structure of a bank mortgage while retaining the flexibility associated with loans between relatives and friends, resulting in a win-win transaction for both the borrower and lender.

Interpersonal loans between relatives are not unusual -- more 10 million individuals in the United States are engaged in interpersonal loans at any given time. Used for home financing, private mortgages provide compelling benefits to both the borrower and lender. The borrower can realize thousands of dollars in interest savings and tax deductions, while the lender can benefit from a monthly income stream and a predictable rate of return that is potentially higher than would be obtained through savings accounts or other fixed income investments. For both, a private mortgage helps keep wealth where it belongs -- in the family.

CircleLending, a financial services company that is regarded as the market pioneer for designing private mortgage services for the masses, recognizes that there is a great need for non-traditional financing in today’s market. According to Jim Smith, vice president of CircleLending, private mortgages are used in the same ways as traditional bank loans:

1) Purchase a home: Private loan capital can be used for the entire purchase of the home, the down payment or to supplement bank financing and avoid paying Private Mortgage Insurance (PMI).

2) Refinance a bank mortgage: A private loan can be used to refinance an existing mortgage, lowering the interest rate, eliminating PMI, keeping interest payments within the family or to achieve other favorable terms.

3) Formalize an existing home loan from relatives: Home loans from relatives made in the past can be formalized to take advantage of tax benefits such as interest deductibility and capital gain write-offs

4) Renovate a home: Private loan money can be used in place of a home equity or other higher-cost home improvement loans.

5) Owner-finance a home: A seller can finance the transaction by making a private loan, allowing the buyer to pay all or part of the purchase price over time.

With a private mortgage you don’t need to apply, qualify or pass a credit check. You just need to find a relative or friend willing to finance your dream. Typically, a mortgage from a relative or friend is more affordable, more accessible and more patient than most of the borrower’s traditional financing options.

CircleLending provides a full range of services for reducing the financial risks, administrative hassles and emotional pitfalls of private loans. To learn more about private loans and mortgages, visit www.circlelending.com.

Courtesy of ARAcontent

Trying to Sell Your Home? Give it Scentmosphere!

2007-05-22T02:31:00.000-07:00

Trying to Sell Your Home? Give it Scentmosphere!

(ARA) - Looking to sell your home? All you hear these days in the news and from friends is how bad the housing market is, and for good reason. There are too many existing houses on the market, builders have had to get more aggressive in selling new homes, interest rates and gas prices are up … these are not ideal conditions.

Selling a home is not the easiest thing to do. It can be an emotional roller coaster as it’s usually our largest asset, and most of us only have the opportunity to do it a few times in our lifetime. Although a professional real estate agency can help, you still play the primary role in making your home as “saleable” as you can.

Of course, all of us know that where you live, having a competitive price, and having curb appeal all are critical factors in whether potential buyers want to stop and take a closer look. However, most buyers look at dozens and dozens of homes before they choose one to buy. So, how can you help make your home stand out and be more memorable after a long day of house hunting?

While getting buyers to your home is a critical step in the process, ensuring you make a lasting impression after they leave your house is what gets buyers to ultimately purchase your home. How do you do that? Just follow your nose.

Scents have a very strong memory trigger for people. “It’s a byproduct of how we’re wired,” according to John Columbo, professor of cognitive psychology at Kansas University. “The portion of the brain that discerns smells is located directly behind the nose, so there’s almost a direct path from the air to our brains.”

“Using scent as a marketing tool to sell your home is based in the emerging field referred to as ‘scentmosphere,’” explains Rick Ruffolo, senior vice president of brand, marketing, and innovation at Yankee Candle Company. “Scentmosphere recognizes the way a home, a building or a room smells has an immediate and lasting impact on how people perceive the location.”

“Besides being hard-wired to the brain -- our feelings about different scents are related to past experiences,” Ruffolo adds. “For example, if your mom used to bake vanilla cupcakes because she knew you loved them, then every time you smell a vanilla cupcake it’s likely to be associated with fond memories of home, family and being loved.

Roma Papania, a top-performing realtor in Ohio, shares that “being able to picture yourself and your family in the new home is critical to the purchase decision … and scents can play a key role in creating the right atmosphere.”

Or, as we’ve now learned, it can create the right “scentmosphere.”

Scent experiences make an impact with potential home buyers. Potential buyers tend to make the ultimate decision based on emotions, and if the scents in your home make them feel good, the more likely they are to want to buy it. It’s why in the past real estate agents would suggest baking cookies.

Since that can be impractical before every showing, Ruffolo suggests that candles and home fragrance products are a more convenient way to accomplish the same effect. “If you or your agent are going to be there during the showing or open house, lighting a few scented candles in the kitchen and living areas will provide both great fragrance and the warm ambiance of candlelight. After all -- everything looks better in candlelight.”

If you won’t be in the home, Ruffolo recommends, “Use home fragrance products. They can be easily placed in most rooms in your home, and can be a subtle way to differentiate your home from the others in the market.”

We went into a Yankee Candle store to check out the various home fragrance options, and found several that would create the right “scentmosphere.” For example, Yankee Candle offers electric home fragrance products to plug into the wall, stylish reed diffusers for small bathrooms, decorative potpourri, and even small space “car gel refreshers” which work great in closets and in pet areas. You can check out www.yankeecandle.com to see for yourself.

But what fragrances should you pick? “While there are no absolute rules,” says Ruffolo, “we generally recommend familiar, welcoming food and spice scents for the kitchen and living areas that are seasonally appropriate, like French Vanilla, Home Sweet Home, Farm House Apple or Pumpkin Pie.”

“For bedrooms and baths, on the other hand, we suggest popular fragrances that give a feeling of real freshness and open spaces, like Clean Cotton, Country Linen, Lemon Lavender or Sage & Citrus.”

Welcoming, warm, clean and fresh … your home will smell so good you may be tempted to keep it. So, when selling your home, remember the advice we all learned watching cereal commercials as kids, sometimes it’s best if you “follow your nose.”

Courtesy of ARAcontent

Renting Versus Buying: A Guide to Help You Decide

2007-05-22T02:30:00.000-07:00

Renting Versus Buying: A Guide to Help You Decide

(ARA) - Buying a home is one of the most important decisions a person can make. After years of living with parents, with college classmates in dorms, or alone in an apartment, the time may come that buying a house or condominium will improve one’s financial stability and sense of personal security.

“There are advantages and disadvantages to both purchasing a home for a primary residence and renting temporary living quarters,“ says Peter Palko, adjunct instructor at Brown Mackie College -- Findlay. “I recommend that buyers take a broader, more flexible approach to buying property by maintaining alignment with their short and long term personal and financial goals. Spend as much time and effort shopping for a mortgage as you do shopping for a house.”

While renting does have its benefits -- for example, fixed costs for the lease term, generally less work in property maintenance, and smaller upfront investment -- Palko believes that the advantages for buying outweigh the disadvantages.

“The bottom line is, a person will own something with equity growth potential, tax advantages and opportunity to build a respectable credit history,” says Palko. For the first-time buyer, Palko advises the following: “Educate yourself on the types of homes, market conditions and tax implications. Is it a ‘buyers’ or ‘sellers’ market? And finally, secure the help of a professional real estate agent -- a realtor who is a buyer’s agent who represents the interest of you, the buyer.”

Once you decide it is indeed time to buy a home, the next step is to decide where to live, and start saving. “Before deciding to buy a home, you need to take time to reflect and plan,” says Dan McClish, Director of the Business and Accounting Technology programs at Brown Mackie College -- Akron. “Make a list of the things in a house that are important to you.” These items can include the quality of school districts, proximity to stores, hospitals and access to public transportation.

Taking a detailed look at the overall market in the area is important. “If the market area is developing and showing signs of becoming a major commerce area in the near future, then it may be the best time to invest in a home,” says McClish. “However, if the real estate market has remained stable over time, or has decreased, then you may want to consider renting for now.”

Regarding finance, a first-time home buyer should start saving today by setting aside at least 10 percent of his or her income towards the down payment on a future home, according to McClish. “This will give you a purpose and a goal toward home ownership. Even if you are currently renting, chances are, you will eventually want to buy a home. As you aim toward saving for the down payment, start looking at areas in which you would like to live.”

One final piece of advice: “Do not make purchasing a home a last-minute decision,” says McClish. “Do some investigation, and it will pay off in the future.”

Courtesy of ARAcontent

Imagine a Moving Experience without Back Pain

2007-05-22T02:29:00.000-07:00

Imagine a Moving Experience without Back Pain

(ARA) - Whether you’re packing up and moving across town, or just need to move a large piece of furniture out of a room so you can do a home improvement project, there’s one thing you can count on -- there’s going to be stress involved, not only to your psyche but your body as well.

“Back pain is one of the most common ailments in America. About 80 percent of us will experience it at some point in our adult lives. Most often, it will be because we lifted something that was too heavy, or we lifted a manageable load in an improper way,”

says Tom Dent, a veteran appliance mover who has experienced his share of back pain over the years.

While moving stress may be inevitable, you can avoid compounding the misery with back pain. Follow these suggestions for a back-safe move:

* Pack wisely. “As much as possible, avoid packing boxes that are too heavy for you to lift without assistance,” Dent says. “When you have to load a heavy box, be sure the contents are secure so that the load doesn’t shift dangerously while you are lifting or transporting it.”

* Clear a path. When you’re up to your elbows in boxes, it’s easy to find every available inch of floor space covered. But before you lift that load, make sure you’ve got a clear path to your destination. You won’t be able to see well or move obstacles out of your way once the load is in your arms.

* When lifting a load, keep your back straight and bend your knees. Keep your head up and look straight ahead to ensure your back remains perpendicular to the ground. Hold the object securely and use the large, powerful leg muscles to lift the weight. Avoid twisting or turning at the waist when lifting. Turn your entire body by moving your hips first, which will force your shoulders to stay in line.

* Use the right tools for the job. Hand trucks should be used to transport multiple boxes at once or smaller items of furniture. They work great on level ground or even gentle inclines, but hand trucks aren’t good for moving items up or down stairs. Hand trucks can also damage floors and are difficult to maneuver around tight turns.

After years of dealing with back pain, Dent set out to come up with a better way to manage the large pieces of furniture and appliances he had to deal with every day. He created the Shoulder Dolly, a patented harness system that allows users to lift with their legs and safely lift virtually any heavy or bulky item in the home, including big screen TVs, entertainment centers, dressers, mattresses, sofas, appliances, etc.

Working in two-person teams, users simply strap into the Shoulder Dolly, slip the carrying strap under the item to be lifted, and then use their leg muscles to lift the weight. The Shoulder Dolly helps users keep their spines aligned, which in turn encourages lifting with the legs, rather than with the back.

In an ergonomic evaluation performed by ErgoMed of Thornton, Colo., testers found that use of the Shoulder Dolly dropped the probability of lower back disorders from 41 to 27 percent when moving appliances up and down stairs; and from 42 to 25 percent when moving electronic equipment manually on a level surface.

The Shoulder Dolly is available at moving and home improvement stores nationwide. To find a retailer near you, log on to www.shoulderdolly.com or call (800) 217-1114.

Courtesy of ARAcontent

Need a Reminder to Regularly Check Your Tires?

2007-05-22T02:21:00.002-07:00

Need a Reminder to Regularly Check Your Tires?

(ARA) - How often do you check your tires for wear and proper air pressure? If you’re like most Americans, not often enough. A September 2006 survey by the Rubber Manufacturer’s Association (RMA) found the majority of motorists are not paying enough attention to the only component that keeps a car on the road: the tires.

According to the survey, only 15 percent of drivers properly check their tire pressure regularly, inflating them to the vehicle manufacturer's recommended pressure; 26 percent of drivers mistakenly believe the best time to check their tires is when they are warm after being driven several miles; and only 36 percent of drivers know where to find the recommended tire pressure for their vehicle --- it is in the owner's manual, and also usually printed on a tire information decal attached to the driver's door jamb.

In an effort to raise awareness and promote driving safety, Kumho Tire USA of Rancho Cucamonga, Calif., recently launched a line of aroma tires. The tread of the Ecsta DX tires are embedded with heat resistant oils to ensure lavender remains in the air for thousands of miles.

Marissa Braun bought the tires to personalize her car. “I buy candles and perfume because I like things to smell good,” said the 18-year-old Cleveland resident. “Scented tires are a way to give my car a touch of my personality.”

“Consumers don’t check their tires enough,” says Rick Brennan, Brand Director for Kumho Tire USA. “If putting scent into the tires makes drivers notice their tires more often when they get in and out of the car, then it will be a good thing for consumers.”

Checking tire pressure frequently isn’t the only safety measure you should take with your tires. You should also regularly:

* Inspect tires for uneven wear patterns on the tread, cracks, foreign objects, or other signs of wear or trauma. Remove bits of glass and other foreign objects wedged in the tread.

* Make sure your tire valves have valve caps.

* Check your tires’ tread depth.

* Rotate your tires every 5,000 miles to get the longest life out of them.

The aromatic Ecsta DX tires are designed for such touring sedans as the Honda Accord, Toyota Camry, Subaru Outback and Chrysler Sebring; and Lavendar isn’t the only scent they come in. The tires are also available in neroli (orange) and jasmine. But sorry guys, the scents you requested while the company was doing research -- barbeque, hot dog and popcorn -- won’t be available anytime soon.

You can find Kumho tires at dealers nationwide. Log on to www.kumhotireusa.com to find the dealer nearest you.

Courtesy of ARAcontent

Debunking Auto Insurance Myths

2007-05-22T02:21:00.001-07:00

Debunking Auto Insurance Myths

(ARA) - Just as there are many differences between a Toyota and a Lexus, there are many differences between auto insurance policies, although you have to look more closely to spot them. However, choosing a low-cost auto insurance policy may end up costing you thousands of dollars. The familiar pitch, “save hundreds of dollars in 15 minutes,” obscures complex coverage issues that may have you paying much more in the end.

Your Liability Exposure

Many auto insurance policies have low liability limits which don’t reflect an individual’s true worth. In fact, in several states, the recommended limits are as low as $25,000. Because every auto insurance policy is different, it’s best to read your policy carefully and make sure you’re not part of the up to 50 percent of drivers who are under-insured. If you are in an accident with someone who is uninsured or under-insured, you could personally be responsible for medical expenses, lost income and other damages.

“Using a cookie-cutter approach is simply not appropriate for buying auto insurance, especially if you have significant assets to protect or specific needs,” says Don Soss, chief underwriting officer for Fireman's Fund Insurance. “You need a custom assessment of your risk profile when selecting car insurance. It’s critical to go through an agent who understands and can respond to your individual situation.”

Sales Representatives vs. Insurance Agents

An independent insurance agent will be able to give you details on what a policy covers, and make recommendations on what is best for you, based on your lifestyle. This differs from a telephone sales representative who is often working from a script, and is only able to quote prices, not make recommendations. When talking to an independent agent, it’s important to discuss:

* The extent of your assets and net worth

* Your views about asset protection and insurance

* Your expectations if you have a claim

The Replacement Gap

Many carriers often fall short in insuring full replacement value for your car in case of a total loss. They usually pay settlements for total losses based on the actual cash value of your vehicle, not on the replacement cost of the original. If you want to purchase a comparable vehicle after a total loss, you’ll probably have to cover the gap out of your own money.

A few policies, including Fireman’s Fund Prestige Auto policy, feature coverage which protects you against depreciation in case of a total loss. Such a policy pays the full purchase price for your car, including taxes and license fees, if you “total” the vehicle during your first year of ownership. Even the deductible is waived. Each year thereafter, the company locks in the car’s value as determined by the industry’s standard “retail” Blue Book.

Multi-car Owner Penalty

Car owners who have more cars in the family than drivers can be shortchanged by mass-market insurers.

“Most insurers don’t expect customers to have additional cars that aren’t regularly driven by a household member,” says Soss of Fireman’s Fund. “Most insurers assume that those extra cars are being driven -- more often than not -- by undisclosed teenage drivers who would otherwise cause the customer’s premium to skyrocket.”

In reality, many people acquire additional vehicles for recreation or collecting that actually are not being driven on a regular basis. In that case, it’s best to find an insurance company that can customize rates, offering deep discounts for additional vehicles that other insurers can’t match. “In effect,” adds Soss, “mass-market carriers penalize their clients for additional vehicles, whereas specialized insurers reward clients.”

Small Things Add Up

The items covered -- or not covered -- by the fine print in a low-cost policy may appear small when you first sign up, but they can assume a larger significance when you have a loss. For example, mass-market coverage for repairs often provides incentives for policyholders to use “in-network” repair shops. While more specialized insurers allow you to pick the repair shop you want without a cost penalty.

Which Do You Choose?

If you’re not sure about the extent of your current auto coverage, look at the declarations page of your policy. Your agent can also help you decipher the fine print and make a true comparison between your current coverage and a more comprehensive product. Since an independent agent is not employed by a single carrier, his or her first responsibility is to the client. Your agent has a legal and fiduciary responsibility to provide proper coverage.

Courtesy of ARAcontent

Find a Getaway in Your Own Backyard (and Beyond)

2007-05-22T02:19:00.000-07:00

Find a Getaway in Your Own Backyard (and Beyond)

(ARA) – Summer will be here before you know it and this year a lot of people are planning road trips. Have you decided where to go yet?

If not, log on to www.firestonelegendarydrives.com to get some ideas. Whether you’re thinking about a cross-country trip, or just looking to take a quick afternoon drive, you’ll find information about stretches of road that are true “destinations.”

“Firestone Legendary Drives was created to provide travelers with fun and interesting alternatives for excursions across the country,” said Christine Karbowiak, vice president of public affairs, Bridgestone Americas Holding, Inc. “And we’re excited to present some new elements on our Web site. Whether you’re interested in automotive museums, history or great local restaurants, Firestone Legendary Drives offers a little something for everyone.”

The Firestone Legendary Drives Web site features details about all the major highways you’ll find in the 50 states, as well as noteworthy drives. Here’s a sampling of some of the drives featured in different parts of the country:

West Coast

If you’re looking to take a trip along the West Coast, one of the prettiest drives is the Mount Hood/Columbia River Gorge Loop in the northwestern part of Oregon. The 194-mile drive, which begins and ends in Portland, Ore., and circles Mount Hood, features majestic mountain views, a mighty river and misty waterfalls. The drive can be done in as few as four hours, but there’s so much to see, most people spend several days exploring this wonderland.

Central/Western U.S.A.

If you want to explore the central part of the country, one of your best bets is to travel along historic Route 66, which covers more than 2,000 miles as it makes its way through eight Central and Western states. Route 66 starts in Chicago, Ill., and heads south to St. Louis, Mo., then through Oklahoma to Amarillo, Texas, on to Winslow, Ariz., and from there west all the way to Los Angeles.

East Coast

If you’d like to take a road trip along the East Coast, a drive through the Great Smoky Mountains National Park is a must. The 40-mile trek along Tennessee’s Newfound Gap Road from the Sugarlands Visitor Center to the Oconaluftee Visitor Center in North Carolina will reveal some spectacular scenery. Along the winding road, you’ll see great mountain vistas, the highest peak in the park and a river gorge. There are also be several pull-offs where you can take short hikes to waterfalls.

Northeast

Ranked by many as one of the 10 best roads in America to drive, Route 100 stretches from the southern edge of Vermont to that state’s northern border. One of the drive’s biggest attractions is the Stowe Hollow covered bridge, a 50-foot span made of wood, built in 1844. It’s one of 107 covered bridges in the state.

Stay Safe on the Road

If you weren’t before, you’ve probably now been inspired to take a road trip this spring, but before venturing out be sure your car is in good working order. Bridgestone Americas offers the following safety tips:

* Before you set out, have an automotive technician make sure the vehicle is travel ready by checking the battery, fluid levels, exhaust system and windshield wipers. If you’ll be traveling in a cooler climate, have the defrosting and heating system checked as well.

* If you’ll be doing a lot of highway driving, it is important to keep the gas tank at least one-half full at all times. The fuel reserve will be important to avoid being stranded in heavy traffic.

* Examine the tread on your tires once per month and before every long trip. Your tires should have at least 2/32 inch of tread depth. You can easily determine if your tires are due for replacement with the “penny test.” Insert a penny in several spots on the tire’s tread, Lincoln’s head down. If you can see the top of Lincoln’s head in any of those spots, the tread is worn and the tire probably needs to be replaced. Have it checked by a tire professional.

* Tires can lose one pound per square inch of air pressure for each 10-degree drop in temperature. Improperly inflated tires will lessen the gripping action because the tire tread will not meet the road surface as it was designed to do.

* Prepare for inclement weather by storing emergency supplies in the trunk. Important items to have on hand in case of a storm are: a properly inflated spare tire, flashlight, blanket, extra clothing, candles/matches, bottled water, snacks, any necessary medication and a cell phone with a car charger.

For more safety information, and details about drives worth checking out in other parts of the country, log on to www.firestonelegendarydrives.com. The site features picturesque drives in each of the 50 states.

Courtesy of ARAcontent

Power to the Parents: Keep Teens Safe During Prom and Graduation

2007-05-22T02:18:00.000-07:00

Power to the Parents: Keep Teens Safe During Prom and Graduation

(ARA) - Prom and graduation are two memory-making milestones in a teen’s life. And these days, it’s not just the students who get excited about the planning and the celebrating. Many parents are involved in every step of the way, too -- from picking out the right clothes to extending curfews for these special evenings.

It’s also a time when parents should ask themselves, “What can I do to make sure my teen stays safe and makes smart decisions?” Good questions, considering that for some teens, these events bring increased pressure to break the rules like drinking when underage.

But parents should not feel helpless. In fact, they should feel encouraged. When it comes to underage drinking, studies show that parents have a lot more power over the decisions their teens make than they may realize. According to the 2005 Roper Youth Report, a nationally representative poll, 74 percent of teens ages 13 to 17 say their parents are the number one influence on their decisions about whether they drink alcohol, and that finding has been consistent since this survey began more than a decade ago.

Lonnie Carton, PhD., director of teen and family resources for the Web-based “Warm2Kids” program and an advisory panel member of the “Family Talk About Drinking” program, offers parents advice on how to use that power of positive influence with their teens as they celebrate these rites of passage.

“It’s not always easy to talk with teens, but it’s true that parents have the power when it comes to helping their children make responsible decisions, like not drinking alcohol or giving in to negative peer pressure,” Carton says. “Some of the most effective ways parents can exercise their influence include establishing open and honest lines of communication, setting firm rules and guidelines and teaching children critical decision-making skills.”

Carton offers these additional tips for parents:

* Let your children know that you make rules to protect them, not to punish them. Remember that love means having to say “no” to some things.

* Remind them to be in control of themselves and to make their own decisions based on what they know in their hearts is right.

* Tell them to call you immediately if they get into a situation they know isn’t safe -- no matter what time it is, no matter where they are. Assure them they will hear nothing but praise from you if they make that call.

Carton also reminds parents to think again if they believe it’s OK to bend the rules and host a party with alcohol for teens and their friends during prom or graduation season.

“It’s important that parents serve as positive role models and make a commitment not to provide alcohol to minors at parties,” says Carton. “Just because your son or daughter might tell you that ‘every parent does it’ or ‘this is a special occasion,’ does not make it’s right to break the law. Parents also should not delude themselves that hosting the party where minors are allowed to drink will somehow make it safer. There simply is no way to control all the variables when you allow something like this. On top of that, while each parent has the right to make the decision about what is appropriate for his or her child in their own home, no parent should ever presume to make that kind of decision for someone else’s teen.”

In fact, many states around the country are enacting social host laws that make it illegal for parents to host parties for teens with alcohol. Most parents share that perspective, with 96 percent agreeing that any parent who knowingly purchases or supplies alcohol to teens should be held accountable for their actions, according to a 2006 survey by Data Development Worldwide.

Carton suggests alternative activities to demonstrate to your teenager that you realize this is a special time for them. These could include an adult-chaperoned canoe float trip, spa visit, special sporting event or dinner with friends at a favorite restaurant.

Putting your positive parent power to work during prom and graduation season will help make for truly joyful and memorable occasions. For more tips about safe celebrating, visit www.preventdontprovide.com. For “Family Talk About Drinking” program materials visit www.familytalkonline.com or call (800) 359-TALK. That’s (800) 359-8255. The materials are provided free-of-charge as a community service of Anheuser-Busch Cos.

Courtesy of ARAcontent

How to Make Your Travel Dollars Go Further

2007-05-22T02:17:00.000-07:00

How to Make Your Travel Dollars Go Further

(ARA) – Whether you’re planning a family vacation or business trip in the near future, it pays to plan ahead; but when should you start shopping around for deals?

The experts say a good time to begin is the day you make the decision to go on a trip. Because of the very nature by which travel companies do business, those who wait until the last minute to book are automatically penalized by not having access to the very best rates available.

Here are some great tips for saving money on all your travel needs:

* Airfares

These days, the Internet makes it easy to shop around for the best airfares. A good place to start is by logging on to a travel search engine such as Travelocity, Expedia, Orbitz, Bestfares or Smartertravel. Once you find a good rate on one of these, log on to the particular airline’s Web site to see if you can get an even better rate. Also take the time to search through the travel discounts section on the various airline sites to see if they’re offering a travel discount to your particular destination.

* Hotels

Plan the timing of your stay according to the type of place you visit. If you’ll be traveling to a big city like New York, Chicago or Washington, D.C., room rates will be cheaper on weekends when business travelers aren't staying there. If you’ll be traveling to a resort area, theme park or other place that is popular with leisure travelers, rooms are often cheaper during the week.

When searching for a hotel, don’t make price the only factor you take into consideration. Also consider amenities, such as the availability of a pool and/or spa in which you can relax at the end of the day. Ask if the hotel offers a continental breakfast that is included in the price of your stay and if the rooms have Internet access, a must for most families these days. You’ll also want to make sure the hotel you choose will be quiet and comfortable. AmericInn hotels, for example, use AmericInn SoundGuard construction to reduce sounds and vibrations.

* Rental Cars

When it comes to rental cars, be sure to ask about available discounts when you book. Many of the rental car agencies offer discounts to people who hold certain credit cards, or have membership in organizations such as AAA or the AARP. You just have to ask.

Also keep in mind that it’s a good idea to avoid renting a car at the airport. You'll find more competitive rates, plus avoid extra surcharges at car rental agencies away from the convenience of the airport.

And one of the best kept secrets in the industry is that you can book a rental car in the low season for less, even if you'll be using it in the peak season.

* Attractions

Planning to visit a theme park or amusement park? With admission now hovering around $60 per person per day at most of the attractions, it pays to take advantage of any specials they may be offering.

Check the park’s Web site for details. Often, the parks will partner with other attractions, hotel associations, chambers of commerce and other tourism groups. If you plan on going to a park more than once in a season, annual passes may be another good money-saving option. An annual pass can more than pay for itself in as little as two visits.

Also keep an eye out for product tie-ins, such as discounts printed on the back of soda cans or fast food bags. If you belong to a wholesale club such as Sam’s, Costco or BJ’s, inquire about discounted theme park tickets and bargain travel services.

For more information about AmericInn hotels, visit www.AmericInn.com/ara.

Courtesy of ARAContent

Spring Tips for School Bus Safety

2007-05-22T02:15:00.001-07:00

Spring Tips for School Bus Safety

(ARA) – As clocks spring ahead and the seasons change, roads and highways throughout the nation become a bit more dangerous, according to the National Road Safety Foundation, Inc. (NRSF), a non-profit group that provides free driver safety programs for schools and other organizations.

In the spring and early summer, tired motorists have to deal with shadows, glaring sunlight and busier highways and neighborhood streets. Children will increase their outdoor playtime due to nicer weather and many more school buses are traveling to accommodate competitions, field trips and other activities.

The best way for students to travel to school is by school bus. Fatal crashes involving school bus occupants are extremely rare, even though school buses serve a remarkable 25 million children every school day. In fact, approximately 475,000 yellow school buses drive 4.3 billion miles each school year while maintaining a safety record unequalled in the transportation industry.

Modern school buses are equipped with a variety of safety equipment to provide an extra margin of safety. The size of the bus alone is an important advantage, but today’s buses also have flashing lights, reflective devices and swing out stop arms to indicate when the bus is loading and unloading passengers. Most buses have several emergency exits, as well.

“Parents can rest easy knowing children who travel on school buses are utilizing the safest means of transportation available,” says John O’Leary, president and CEO of Thomas Built Buses, the leading manufacturer of school buses in North America. “School buses today are built with safety as a top priority but it’s always a good idea to review safety precautions with children who ride the bus.”

O’Leary offers these safety tips for both automobile drivers and bus riders.

Motorists should:

* Be aware it is illegal to pass a school bus stopped to load or unload students.

* Know and understand laws governing motorist driving behavior near a school or school bus.

* Learn the "flashing signal light system" that school bus drivers use to alert motorists if they are going to stop.

Students riding a bus should always:

* Stand at least five giant steps (10 feet) away from the edge of the road so the bus driver and others can see them.

* Wait until the bus stops, the door opens and the driver says it’s okay before stepping onto the bus.

* Be alert to traffic. When getting on or off the bus, look left, right, and then left again before entering or crossing the street.

Crossing students should:

* Walk in front of the bus, never behind it.

* Walk on the sidewalk or along the side of the road to a point at least ten giant steps ahead of the bus before crossing the street.

* Be sure the bus driver can see them, and they can see the bus driver.

* Wait for the driver’s signal to cross.

“There is no safer way for a child to get to and from school than in a school bus,” says Derek Graham, president of the National Association of State Directors of Pupil Transportation. “By using the school bus and helping to reinforce the safety rules, parents can be assured their children are well protected.”

Parents and teachers who want to review safety rules and guidelines with their children may visit the Safety and Value page of the Inside Thomas Built Buses section of www.thomasbus.com to download a school bus safety activity book for elementary age students.

Courtesy of ARAcontent

It’s Not Your Father’s Garage Door

2007-05-22T02:14:00.000-07:00

It’s Not Your Father’s Garage Door

(ARA) – In the “Leave it to Beaver” era, garage doors were little more than heavy slabs of wood that sealed a garage shut from the elements. White. Heavy. And mostly flat. Little had changed to garage doors by the time the “Brady Bunch” arrived in the 1970s or even the “Cosby” generation years later.

But would the style-driven “Desperate Housewives” of Wisteria Lane be content with a garage door that satisfied June Cleaver? Not a chance. Garage door manufacturers realized a few years ago that it was time for garage doors to join the ranks of kitchens, baths, lighting and other home accessories as statements of personal style and fashion.

“Regardless of the architecture of your home, today’s garage doors come in a wide range of styles, colors and materials to complement any home’s architectural style,” says Vickie Lents of Amarr Garage Doors. “It’s easier than ever before to find a garage door that says, ‘you.’”

Lents said that Amarr, a garage door company that blazed the trail in terms of architectural options, began offering carriage house steel doors when the company introduced its Classica Collection in 2004.

“Beginning as early as the 1990s, manufacturers and dealers offered carriage house looks by decorating garage doors with magnetic material, wood molding and even PVC molding added to flat panel doors to give them carriage house style elements,” she says. “While visually pleasing initially, homeowners experienced long-term quality and durability issues. Everyday usage and changing weather conditions caused adherence problems with the combinations of materials.”

The first generation of architecturally styled carriage house doors was solid wood doors, but most of those were initially used in affluent, more expensive homes. Amarr capitalized on the carriage house style trend started in wood doors and applied it to more affordable 100 percent steel doors. The conversion to traditional paneled steel garage doors began in the late 1970s, but the use of stamped steel carriage house elements didn’t evolve until much more recently.

“Sectional steel doors offer the stylish carriage house look and are affordable to a broad range of home buyers,” Lents adds. “Amarr’s Classica line of stamped steel carriage house doors has been hugely successful since we introduced it three years ago. Like wood doors, steel doors can be custom painted to coordinate with any house, but, unlike their wooden cousins, steel doors are much lighter and require less maintenance. In addition, the stamped steel carriage house doors move up and down like typical garage doors but appear like they swing open for an authentic carriage house style.”

The trend for garage door fashion also applies to decorative accents. No longer are garage doors completely flat. Today, homeowners want strap hinges, handles and decorative windows on their garage doors. Amarr recently introduced a faux ornamental wrought iron collection of garage door windows inspired by European Old World architecture.

“Ornamental wrought iron designs continue to be important style design elements in homes today -- on both the inside with cabinet hardware and on the outside with wrought iron railings, fences, gates and entry doors,” says Lents. “Our wrought iron DecraGlass garage door windows complement the design elements of homes and enhance the curb appeal with a beautiful, distinct look.”

In addition to more style options for garage doors, sizes of doors are changing as well. For years, the standard garage door has been 16 feet wide by 7 feet tall, and most garages had two car bays. With today’s larger vehicles and multi-car families, the standards are being rewritten. Increasingly, homeowners and developers are ordering special, oversized garage doors and in quantities of three or four doors for a single home.

And what would June Cleaver have to say about all this? “Ward, put the Hummer in bay three for the night.”

Courtesy of ARAcontent

Know Thy Tires

2007-05-22T02:12:00.000-07:00

Know Thy Tires

(ARA) - What type of tires do you have? Don’t know?

You’re not alone. Most people don’t have a clue, and, truth be told, they aren’t all that interested in knowing. Even though tires are one of the most technologically advanced part of a car, as well as the only bits that actually touch the road, they are not top-, middle- or even bottom-of-mind for most consumers.

Fact is tires are the black hole of cars: round, rubbery nondescript objects that are expected to perform forever.

“It’s a shame tires are largely ignored,” said Fred Koplin of Yokohama Tire Corporation, “because they influence the braking, steering, comfort, handling, fuel efficiency and driving safety of every vehicle. Tires are technical marvels. They take a daily pounding over all sorts of surfaces in all kinds of weather conditions, yet they continue to perform with incredible effectiveness. They are just misunderstood by most consumers.”

One reason some people pay little attention to tires is because there are so many types of tires, says Koplin. “There are about 3,500 sizes and types from a dozens of manufacturers, and that could cause confusion for any consumer. But the more information consumers collect and understand, the better prepared they will be for the vast selection that awaits them.”

Having the wrong tire on a vehicle is akin to wearing shoes that don’t fit -- they don’t work well and may be harmful. “Cornering, acceleration, wet road traction, tire wear, fuel economy, ride and styling can be modified by changing tires,” Koplin says. “Choosing the wrong wheels and tires, however, can result in a disappointment with handling, ride and tread wear.”

In short, knowing what types of tires are available is important because it can save money and fuel, and vastly improve a vehicle’s ride and handling.

“A tire generally delivers both mileage and performance, but not both equally,” Koplin says. “Tires using a harder rubber compound will last longer and boost gas mileage, but could deliver less traction and more noise, while softer tread compound tires handle well but wear more quickly.

“The first step to selecting the right tires is to consider how they will be used,” he advises. “Consumers should think about how far and fast they typically drive, the weather and road conditions they encounter, how they want the vehicle to perform and look, how much money they want to spend, how long they plan on keeping the vehicle, and the weight and type of vehicle the tires will be mounted on.”

Koplin offers some basic definitions on different tires to help pick the best tire for your vehicle:

* All-Season Tire: As stated: a tire designed for all four seasons. They can eliminate the need for snow tires in some moderate winter areas.

* High-Performance Tire: Tires designed for handling at higher speeds.

* Light Truck Tire: Tires designed for sport utility vehicles, pickup trucks, recreational vehicles and some small commercial vehicles.

* Radial Tire: Radial describes the way the tire is constructed. These tires are on most passenger cars as well as light trucks.

* Touring Performance Tire: A tire providing the ride comfort of a standard passenger car tire, yet possessing some high-performance tire characteristics.

“Replacing tires is like buying insurance or going to the dentist,” Koplin says. “No one wants to do it, but it’s necessary. The more you know, the less painful it will be.”

For more information on tires, visit www.yokohamatire.com or the Rubber Manufacturers Association’s Web site at www.rma.org.

Courtesy of ARAcontent

Emergency Nurses Offer Water and Boating Safety Tips for Summer

2007-05-22T02:11:00.001-07:00

Emergency Nurses Offer Water and Boating Safety Tips for Summer

(ARA) - The summer season is filled with many enjoyable activities, many of which take place in or around water. As people head to beaches and neighborhood swimming pools, or take recreational boating trips, water safety becomes increasingly important. Drowning remains the second leading cause of injury-related death among children ages one to 14, and in 2004, boating accidents caused a reported 3,363 injuries and 676 fatalities.

The Emergency Nurses Association (ENA) Injury Prevention Institute/EN CARE offers the following tips for parents and children to ensure safe play in water and on boats.

Water Safety Tips

* Never leave a child unsupervised around water in or outside the home. It takes only a few seconds and one inch of water for a child to drown.

* Pools should have a fence that is at least four feet tall with a high gate latch that is not reachable by children.

* Keep rescue equipment, a telephone and a list of emergency numbers at the poolside.

* Remove toys from in and around the pool when not in use, as children can be tempted by floating pool toys.

* Secure, lock or remove ladders to above ground pools when they are not being used.

* Use only Coast Guard approved life preservers or life jackets. Air-filled flotation devices such as “water wings” or “tubes” actually increase chances of drowning.

* No one, not even adults, should swim alone. Teach children to swim with a buddy.

* Take a class in how to perform infant/child CPR.

* The American Red Cross recommends at least nine feet of depth for safe diving and jumping. Never dive headfirst into unknown waters.

Boating Safety Tips

* Know how to operate your boat safely in all weather and water conditions.

* Ensure that your boat has the safety equipment required by law and that it is in working order.

* Participate in the Vessel Safety Check program, provided by the U.S. Coast Guard Auxiliary and U.S. Power Squadron.

* Boat operators should be familiar with the body of water being navigated.

* All passengers must always wear a life jacket while boating.

* Always avoid alcohol while operating a boat.

* Maintain a safe speed at all times.

* Water skiers and swimmers should be at least 20 feet from the back of a moving boat in order to avoid carbon monoxide exposure.

For additional information and safety tips, visit the ENA Injury Prevention Institute/EN CARE Web site at www.ena.org/ipinstitute. Information about the ENA is available at www.ena.org.

Courtesy of ARAcontent

Mom -- I’m Hungry!”

2007-05-22T02:10:00.001-07:00

“Mom -- I’m Hungry!”

(ARA) - Ever see a well-prepared Mom offer her child a little bag of carrots or Goldfish crackers and think “Wow, she’s on the ball!” You’re right. Moms or Dads who remember to pack little healthy snacks for their kids are less likely to incur the crying and moodiness that comes with hunger and boredom.

Registered dietician Toby Amidor, MS RD, Culinary Instructor at The Art Institute of New York City, and busy mother of a five-year-old, a two-year-old and a newborn, says parents would do well to take the time to pack snacks before hopping in the car or boarding a plane or train.

“No matter the length of the trip,” says Amidor, “be ready with snacks. Kids get hungry after five minutes in the car or just waiting to board a plane.”

As a registered dietician, food safety is a number one priority for Amidor. “Stay away from foods that spoil easily. If you pack foods that need to be kept cold, make them the night before your trip, and keep them in the refrigerator until you’re ready to leave. Foods from the frig should be eaten within 4 hours of being taken out.” If they’ll be out longer, use an ice pack to keep snacks cold in a thermal lunch bag.

Among her favorite healthy snacks for the road are peanut butter and jelly sandwiches, cheese sticks, egg salad on whole wheat or cream cheese and cucumber, also on whole wheat pita. And as a registered dietician, it’s no surprise Amidor likes fruit for kids. Her favorites are easy-to-eat clementines, grapes and bananas.

Another approach to healthy snacking on the road comes from Culinary Instructor at The Art Institute of Washington, Benita Wong who likes to refer to the Food Guide Pyramid guidelines set up the U.S. Department of Agriculture.

In the summer, when fruits and vegetables are plentiful, Wong suggests cut-up fruits and vegetables. Place small pieces of melon such as watermelon, cantaloupe or honeydew in containers with tight-fitting lids. Another good idea is to slice-up vegetables such as green and red peppers, celery and carrots.

“Cut-up fruits can be made more appealing with sweet dressings such as Honey Lemon Dressing or Yogurt Dressing. Slices of vegetables go with dips such as Hummus (Chickpea Dip) or Tomato Salsa and even the old stand-by -- peanut butter! Try the lower sugar, lower salt versions or make them yourself,” says Wong.

Wong recommends packing pita bread, crackers and pretzels to go along with fruits and veggies, opting for the plain or low-salt varieties. She also likes rolls such as Kaiser, onion or whole wheat for something other than traditional white bread.

Keep in mind one of the best things you can do for children on long trips, in a car or on a plane, is to keep them hydrated. Toby Amidor’s children are veterans of several trips to Israel and she watches that they drink plenty of water. How do you know if your kids are drinking enough? “They should be taking trips to the bathroom. That’s the best way to know, and if they’re still in diapers, those diapers should be wet!” she says.

For more information on Culinary Arts programs at The Art Institutes, visit www.artinstitutes.edu.

The following recipes are courtesy of: Benita Wong, Culinary Instructor, The Art Institute of Washington:

Honey-Lemon Dressing (Makes about 1/2 cup)

Ingredients:

1/4 cup honey

1/4 cup lemon juice (or orange juice if too strong)

Directions:

1. Mix honey and lemon and/or orange juice completely.

Yogurt Dressing (Makes about 2 cups)

Ingredients:

1 tablespoon currant jelly

1 tablespoon lemon juice

1/2 cup sour cream

1 1/2 cups yogurt, vanilla

Directions:

1 Place jelly and lemon juice in a stainless steel pot. Place on low heat and stir until melted.

2. Remove from heat and cool slightly. Stir in sour cream and yogurt a little at a time. Chill until used.

Hummus (Chickpea Dip) (Makes about 1 1/2 cups)

Ingredients:

1 cup chickpeas, cooked or canned

1/4 cup tahini or sesame paste (can also add some peanut butter)

1/2 tablespoon garlic, crushed (use more for a stronger taste)

1 tablespoon lemon juice (or water for a milder taste)

2 tablespoons olive oil to taste

Salt to taste

Cayenne pepper

Directions:

1 Puree the chickpeas, tahini paste, garlic, lemon juice and olive oil and in a food processor or blender.

2. If too thick, add a little lemon juice or water to adjust the consistency.

3. Season with salt and cayenne pepper to taste.

Tomato Salsa (Makes about 2 cups)

Ingredients:

10 ounces tomatoes, fresh

2 tablespoons fresh green chilies, such as jalapeno or serrano

3 tablespoons onion, minced

3 tablespoons fresh cilantro, chopped

1/2 tablespoons lime or lemon juice

1/2 to 1 tablespoon tomato juice

1 to 2 tablespoons tomato paste (add or subtract to make mixture thicker or thinner)

1 teaspoon salt

Directions:

1. Remove the core and dice the tomatoes into very small pieces.

2. Using rubber gloves, remove the stem end and seeds and ribs from the chilies. Chop the chilies into a small dice. (Use rubber gloves for this step to protect your hands from the hot oils that come from the chilies. When finished, wash your gloved hands and remove the gloves to continue making the salsa).

3. Chop the onion into small dice.

4. Mix together the tomatoes, chilies, onions, cilantro and lime or lemon juice. Add tomato juice and/or tomato paste to adjust the consistency to a thick, chunky sauce.

5. Add salt and season to taste.

The Art Institutes (www.artinstitutes.edu), with 34 educational institutions located throughout North America, provide an important source of design, media arts, fashion and culinary arts professionals.

Courtesy of ARAcontent

Top Towing Tips for Trouble-free Travel

2007-05-22T01:56:00.000-07:00

Top Towing Tips for Trouble-free Travel

(ARA) - Every year millions of Americans take to the roads with their trailers in tow. Whether you’re towing a boat, a horse or a houseful of furniture, driving with a trailer presents challenges to both the driver and the tow vehicle. Here are the top tips from hauling experts on how to keep your travel trouble free.

Be Cool

Towing season is usually during the summer months with temperatures regularly between 80 to 120 degrees. Keeping your tow vehicle’s fluids cool is critical to keep the engine from overheating or worse. You may want to upgrade to a larger radiator to keep those fluids cool.

Engine temperatures can more easily and inexpensively be reduced by adding a coolant additive to your radiator. These products decrease the surface temperature of water in the radiator to improve heat transfer and therefore lower temperatures. One of the more popular coolant additives, Purple Ice, has been proven to reduce engine temperatures as much as 30 degrees.

Another easy way to keep things cool is by upgrading motor oil. Premium synthetic motor oils typically have a lower coefficient of friction and better heat transfer than conventional motor oils. For instance, in independent tests using Royal Purple’s high performance motor oil reduced engine temperatures as much as 12 percent.

Remain Level-Headed

Trailers have a tendency to load down the rear of a tow vehicle. As the vehicle rocks further back, the dynamics of the vehicle change. This means that the tow vehicle will not stop, steer, and handle as well as it does when it’s not towing something. Investing in overload springs, air bags and/or a weight distributing hitch will help the tow vehicle ride level; which will translate into a safer and better ride.

Breathe Deep

During the life of your engine, thousands of cubic feet of air will pass through the cylinders. Dust and other material in the engine can cause excessive wear and operating problems. It’s imperative that you keep air filters clean by regularly replacing them. To further enhance performance, you may want to consider upgrading to a high performance air filter or complete intake system. The relatively low cost of a high performance filter and ease of installation (about 5 minutes) makes upgrading a no-brainer.

Don’t Go Bald or Flat

Whether towing or not, checking the condition of your tires and tire pressure is vital. Tires that are under-inflated or over-inflated may wear out prematurely or potentially blow out and cause an accident. Ideally, tire pressure should be checked every time you fill up your gas tank. By keeping your tires properly inflated, you’ll also help reduce fuel consumption and increase your safety while towing. The U.S. Energy Department reports that under-inflated tires can actually increase fuel consumption by up to 6 percent.

Don’t Strip (a gear)

Two components that take the most abuse and are most neglected in tow vehicles are the transmission and differential. In most cases, neither is adequately cooled and both undergo extreme pressure in towing conditions. Keeping the fluids cool is vital for a healthy transmission. The cheapest and easiest solution is upgrading fluids to high quality synthetics, For instance, Max ATF and Max Gear from Royal Purple have been proven in independent tests to reduce operating temperatures for increased transmission life. Additionally, both use Royal Purple’s proprietary additive technology that provides maximum wear protection particularly in extreme situation like towing.

Consider Hardware and Software Upgrades

Aftermarket manufacturers produce a wide variety of parts from brakes to computer chips that can dramatically improve the performance of your tow vehicle and make towing easier. Upgrading brakes with a larger rotor or better caliper will help slow or stop everything quicker. Premium brake pads that dissipate heat also improve stopping. Aftermarket exhaust systems increase exhaust flow and reduce backpressure for increased torque. Finally, engine management software that optimizes engine performance is available from a variety of manufacturers.

Don’t Forget to Brush

Following good maintenance procedure is a lot like brushing your teeth. Failure to do so r can cause a lot of pain and unnecessary expense. Checking all of the fluid levels, the air filter and regularly replace the fuel filter will keep the vital components clean and clear of debris. Cleaning windows and mirrors will reduce glare and make the trip a safer and easier for you and your eyes. It’s also a good time to consider adding trailer mirrors which dramatically improve rear-view visibility. And don’t forget to check your trailer’s brake fluid, electrical wiring and tires. Make sure the lights work properly and everything is in working order.

Each of these seven tips will improve your towing experience and help ensure a trouble- free ride. For more information visit www.royalpurple.com.

Courtesy of ARAcontent

Planning to Tow a Trailer This Summer?

(ARA) - Every year millions of Americans take to the roads with their trailers in tow. Whether you're towing a boat, a horse or a houseful of furniture, driving with a trailer presents challenges to both the driver and the tow vehicle. Here are the top tips from hauling experts on how to keep your travel trouble free.

1.Keeping your tow vehicle's fluids cool is critical to keep the engine from overheating or worse. You can either upgrade to a larger radiator or add a coolant additive such as Purple Ice , which has been proven to reduce engine temperatures as much as 30 degrees.

2. Upgrade your motor oil. In independent tests using Royal Purple's high performance motor oil reduced engine temperatures as much as 12 percent.

3. Invest in overload springs, air bags and/or a weight distributing hitch will help the tow vehicle ride level; which will translate into a safer and better ride.

4. Keep air filters clean by regularly replacing them.

5. Regularly check on the condition of your tires and their air pressure.

6. Make sure the transmission and differential are adequately cooled. The cheapest and easiest solution is upgrading fluids to high quality synthetics like Max ATF and Max Gear from Royal Purple.

Each of these tips will improve your towing experience and help ensure a trouble- free ride. For more information visit www.royalpurple.com