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Featured Articles

Winter Driving

Safety, Tips and the Law

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A little groundhog has told us to expect another six weeks of winter! Already a tough season, many of us experienced firsthand or saw news coverage of winter storms bringing cities and counties to a virtual standstill. Whether you live in a winter weather state or are just visiting, snow and other winter weather can drastically effect your ability to get around and keep to your plans. Learning some basic driving safety measures and coping tips can help alleviate some of the aggravation. Also, although varying by state, understanding winter related laws or ways laws are interpreted to include winter conditions is vital to enjoying a safe winter. Below is some safety information we hope you find useful and keeps you safe and warm this winter.

Winter Driving Safety & Tips

Winter Inspection: Prepare you car ahead of time for winter road conditions. Check the levels of antifreeze, oil and wiper fluid. Examine your windshield wipers for wear and replace them if necessary.

Got Wheels? Review your tire tread. If you get snow tires or studs, get your appointment scheduled before the tire stores are inundated. If you are in a state where you may use chains or cables, inspect these when you pull them out of storage. Take time to review how to put them on before the snow comes.

Journey Prep: Before driving out into a winter wonderland, make sure you are prepared. Clear you car of any snow and ice so you can see clearly - this includes any snow around your headlights and break lights. How much gas is in the tank? If you are getting low, plan your route to make this your first stop. Stop and consider your physical condition, are you awake and alert?

WEK: Don't be weak - have an Winter Emergency Kit! Some items to include in your kit are:

  • First Aid Kit T
  • Travel Tool Kit
  • Blanket(s)
  • Gloves, Hat, Scarf, Sweatshirt, etc.
  • Jumper Cables
  • Flashlight and Spare Batteries
  • Road Flares
  • Matches
  • Sand and/or Salt
  • Ice Scraper and Snow Brush
  • Small Shovel
  • Water
  • Energy Bars or Other High Calorie Foods (Nonperishable)
  • Cell Phone and Charger

Dress for Success: As we hop from one heated building to the next, we don't often consider how we are dressed for the winter weather. Adjust your wardrobe for unexpected winter weather. If you insist on traveling in the car in flip flops because the are comfy, make sure you pack thick socks and hiking boots in the back seat in case your car does break down. Dress in layers and have spare gloves, a hat, and a scarf in the car.

Know before you go! Check for road condition updates and possible closures. Before driving in winter weather make certain to check the local forecast. Some of the key weather words are:

S-L-O-W: Everything slows down: accelerate slower, brake slowly, turn slowly, and travel at slower speeds. Enter the time warp willingly and keep your patience and wits about you. Trying to rush through anything during poor winter weather is the number one reason people slide off roads or skid into other cars.

Personal Bubble: Allow those around you plenty of space. Do not crowd other cars and increase the car lengths between you and the next car.

It's Ice Ice Baby! If there is ice rain the best option is not to be on the road period. But there are other patches of ice and black ice that may pop up when you consider the roads drivable again. Keep in mind that ice forms quickest on bridges and overpasses. Also, as the temperatures begin to rise the thawing ice will be much slicker as it melts. If you see the ice ahead of time keep your speed slow. DO NOT hit the breaks! If you suddenly can't hear the road, often the case if you hit black ice, continue forward and take your foot off the accelerator. DO NOT hit the breaks!

Look Up! Many times the winter weather makes us concentrate on the road in front of us so much that we forget to look ahead. During this weather is exactly when you should be looking up and ahead; look farther then you may normally. This will give you more time to react to possible sliding cars or hazards in front of you.

Keep it on Main Street: Plan your routes on main roads. These will be traveled more and are the first to be cleared and sanded.

Share the Road: Give plows and sanders plenty of space. Three car lengths is the standard suggestion. Be patient, many will get over to let traffic pass. Always pass with extreme caution and never pass them on the right as that is where all the sludge is going!

Double Your Time: As a general rule, double your travel time for all your commutes and usual destinations.

Tell Your Peeps: Let others know of your travel plans - especially for long distances or during a weather event. Let either family or friends know where your are going and the route you expect to take.

No Cruising: As you shouldn't in heavy rain, do not use cruise control on winter roads. If you begin to slide you may not be able to get out of cruise control quickly. Also, depending on the slide/skid, tapping the break may be the last thing you should do!

Find Your Pack: Have a commute group for severe weather. You can alternate drivers as you battle the extra stress and fatigue of driving in bad weather. Encourage it in your community and this can help keep more cars off the road.

Think Outside Your Car: Consider other modes of transportation altogether. If available, consider the bus or train. Get really inventive - do you like to cross country ski? Just stay on the sidewalk!

Flex Time: Check to see if you employer will let you change your hours or work from home. Wait until the plows have had a chance to move through the neighborhood and go in late. Or plug in the computer and work in your PJs and fuzzy slippers.

The Great Melt: Still be cautious after the snow begins to melt away. Puddles can easily be hiding monster potholes that grew under the ice during the storm. Not only jarring these can do some real damage to your car. Besides potholes, be careful of hydroplaning as well. As the water melts it may be caught between mounds of slush leaving the perfect amount of water to send your tires for a little ride.

If the Worst Happens: "If a blizzard traps you in your car, pull off the road, set hazard lights to flashing, and hang a distress flag from the radio aerial or window. Remain in your vehicle; rescuers are most likely to find you there. Conserve fuel, but run the engine and heater about ten minutes each hour to keep warm, cracking a downwind window slightly to prevent carbon monoxide poisoning. Exercise to maintain body heat but don't overexert. Huddle with other passengers and use your coat for a blanket. In extreme cold use road maps, seat covers, floor mats, newspapers or extra clothing for covering--anything to provide additional insulation and warmth. Turn on the inside dome light so rescue teams can see you at night, but be careful not to run the battery down. In remote areas, spread a large cloth over the snow to attract the attention of rescue planes. Do not set out on foot unless you see a building close by where you know you can take shelter. Once the blizzard is over, you may need to leave the car and proceed on foot. Follow the road if possible. If you need to walk across open country, use distant points as landmarks to help maintain your sense of direction." (Tips provided by FEMA)

Legal Concerns

The Car Snowball: When your car is covered with snow it makes for safer driving if you clear all the snow off - but are you required to legally? Technically, in most states, there is not a "snow on the car" law. Instead, other laws may be interpreted to include snow. Be safe and get your car uncovered completely so you can clearly see around you and don't inadvertently cause hazards.

  • In many states you can be cited if your windshield, rear window and windows are obstructed so you cannot see the road. This is often interpreted to include snow, ice and fog that disrupt the drivers view.
  • How about the snow on your roof or hood that you left there? In many states you will not be cited for this alone, however, if this snow flies off and damages another car (i.e. smacks into and cracks the windshield of the car behind you) then you are liable for any damages. Some states are clever and cite snow falling from your car as littering! 
  • While you are at it, make sure to clear any snow from your headlights and break lights. This not only helps you light your path, but no doing so may be a citation waiting to happen in some states.

Snow tires, studs, and chains, oh my!

NOW TIRES: Standard in many snowy states usually there are not penalties for having these tires on past a certain date. Check with your local tire stores as they will often store your summer tires during the winter season and vice versa. STUDDED TIRES: States that allow these tires for winter travel often have a set timeline when they may be used (i.e. In Alaska they may be on by September 15th and are due off by May 1st - most states in the lower 48 will have a shorter time allotment). This information can be found at your state Department of Transportation website (see list to the right) CHAINS: Especially if traveling in mountainous states, learn if chains are often required, make sure you have them and learn how to put them on before you go. Some flat states also allow chains under certain conditions. Check with your state Department of Transportation for specific requirements or limitations. The following YouTube video illustrates how to put on cable style chains. It is sponsored by the Oregon Department of Transportation (http://www.youtube.com/watch?v=_8RVbDuyOcY):

Interior Design

What to Look for in Interior Design Schools

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The interior design industry is growing and is expected to grow 17% by 2014.* Those interested in this career should have strengths in interpersonal communication and project management. Interior designers work on a regular basis with business and home owners, architects and various trades professionals from carpenters to electricians. Planning these projects will take good communication and the ability to plan around various schedules. Interior designers should also have an artistic and creative mind. Many times they will need to "think outside the box" to make a space work with both function and aesthetic design. Most interior designers work through the following steps: assess the needs of the client, make a plan for review, calculate the estimated cost, select materials to be used on the project, contact architects and other trade professionals if needed, set a timeline, and coordinate all materials and labor for the project thru to completion. It is quite a list, but many enjoy the challenge all the same. Does interior design sound like something you would enjoy? Then time to sign up for classes! This month we look at interior design schools, what to look for in the school and where they are located in your state. Perhaps it is time to begin that new career.

Part I: What to Look for in Interior Design Schools

The recommendation is that those interested in interior design get a postsecondary degree for most entry level positions. Besides a school education, many interior designers also do anywhere from 1-3 years of apprenticeship in the field. Gaining this "real-world" experience can be just as important as the school education. Therefore, consider schools that help prepare you for work inside and outside the classroom.

  • Here are some items you should consider when choosing an interior design school:
  • Take a look at class size and curriculum. The school should offer both theory and hands-on experience in labs, internships or other projects.
  • Set up an interview with faculty and/or students along with a visit to the school. Some schools may let you sit in on a beginning level class for the day to get a feel for the school's culture and program style.
  • Consider the area of interior design you want to specialize in when choosing a school. Some schools may have more experience or strengths in different specializations. Areas of specializations vary: Commercial Design, Residential Design, Hospitality Design, Healthcare Design, Green Design and so on.
  • Get to know the faculty members via online bios or in-person interviews. Does their experience and expertise fit in with the type of interior design you wish to pursue?
  • If required in your state, the school should help you prepare for the state interior design certification/competency exam.
  • Check to see if the school you selected did the voluntary accreditation with the Council for Interior Design Accreditation or the National Association of Schools of Art and Design.
  • Find out what type of apprenticeships are available or if students must arrange their own outside "real-world" experience.
  • What kind of employment opportunities are available to graduates? The school should offer data about employment rates and a list of they types of employers their graduates work for.
  • Does the school offer continuing education classes that you may take after graduation? You may need access to these types of classes to learn about innovations in the field or keep an active professional certification or license in your state.

Useful Interior Design Sites

American Society of Interior Designers
www.asid.org
ASID is a community of people—designers, industry representatives, educators and students—committed to interior design. Through education, knowledge sharing, advocacy, community building and outreach, the Society strives to advance the interior design profession and, in the process, to demonstrate and celebrate the power of design to positively change people’s lives.

ASID: List of Registration Laws
Currently, 25 states and jurisdictions have licensing requirements for interior design practitioners. In many of these states, you cannot even call yourself an interior designer unless you meet or exceed a certain level of accredited education and in some cases pass the qualifying exam administered by the National Council for Interior Design Qualification. Regulation of interior design practice continues to become increasingly wide spread.

Careers in Interior Design
This website has been created by professional organizations as a service to individuals pursuing a career in Interior Design.

Council for Interior Design Accreditation
ww.accredit-id.org
The Council for Interior Design Accreditation is an independent, non-profit accrediting organization for interior design education programs at colleges and universities in the United States and Canada.

Interior Design Educators Council, Inc.
www.idec.org
The Interior Design Educators Council, Inc. (IDEC) was founded in 1963 and is dedicated to the advancement of education and research in interior design. IDEC fosters exchange of information, improvement of educational standards, and development of the body of knowledge relative to the quality of life and human performance in the interior environment.

The Interior Design Society
www.interiordesignsociety.org
The Interior Design Society (IDS) was founded in 1973, and is the largest design organization exclusively dedicated to serving the residential interior design industry.

International Interior Design Association
www.iida.org
The International Interior Design Association (IIDA) is a professional networking and educational association of more than 10,000 Members in 8 specialty Forums, 9 Regions, and more than 30 Chapters around the world committed to enhancing the quality of life through excellence in interior design and advancing interior design through knowledge.

The Library of Congress: Architecture and Interior Design
http://memory.loc.gov/ammem/collections/gottscho/
The Gottscho-Schleisner Collection is comprised of over 29,000 images primarily of architectural subjects, including interiors and exteriors of homes, stores, offices, factories, historic buildings, and other structures.

US Department of Labor: Bureau of Labor Statistics
ww.bls.gov/oco/ocos293.htm
Statistics and review of the Interior Design profession.

The Cleaner Home

Make your home environmentally green

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The old days of harsh bleach and chemicals used to clean around the house are slowly fading out. Along with this trend is a desire of many consumers to adopt more environmentally friendly products for their home. This can be anything from the new countertops and floors to the groceries bought at the local supermarket. In addition to what you bring in (and take out) of your home, the maintenance of your home can is a way to become more green. According to the energysavers.gov website, "Americans spend more than $160 billion a year to heat, cool, light, and live" in their homes. Everyone may not try every option or may find their budget does not allow for all of the products available. However, a few home improvements and informed purchases can not only save you money in the long run, but these changes can also provide a healthier home for your family and the planet. Initially, all the options to create a greener home can be overwhelming. But some tasks are good home maintenance and a few only need to be done once. The headings below is just one way to break down some of the improvements and updates you may make to your home which will effect its impact and performance. Did we say performance? You bet! Making sure your home is running efficiently and smoothly is the number one way to helping the environment! How efficient is your home? Making your home work efficiently to keep you warm, cool and provide you with creature comforts is the perfect way to help other creatures of the world. Taking time to keep your home updated will help reduce the amount of energy you need and ultimately be easier on your wallet as well. Lighting: You can cut electricity costs by taking advantage of natural lighting and choosing carefully the lighting you purchase. Natural light is a great way to improve your home's efficiency. Skylights and easy to open window treatments can help you better regulate where you get your light during the day. Windows facing north and south can offer a great source of natural light and heat. West and east windows will offer light but may produce too much glare as the sun rises and sets. Choose your artificial lights carefully. Selecting a few accent lights and then a concentrated task light for an activity such as reading is a better alternative to lighting up every square inch of the room with florescent bulbs! Using environmentally efficient light bulbs can help reduce energy costs. However, research the bulbs you buy. Some may not work as well for task lighting. Others may not work with your older lamps and you may be better buying a new lighting fixture at the same time. Keep your artificial lights working at their best. Even the simple task of keeping your lamp shades free of dust can improve the light quality in your home. Windows: The windows of your home can be a great ally. Getting the right type of window treatments can help regulate your home temperatures. Drapes: Drawn closed in the winter, these window treatments can help prevent heat from escaping by as much as 10%! Drapes can also help decrease heat coming into the home if closed against direct sunlight in the summer. Blinds or Shades: These can help reduce the amount of heat coming through the window because of direct sunlight. Dual shades can be very useful. Use the light side to help reflect and keep out the warming sun in the summer and the dark side can be used in the winter to draw in more heat. Shutters: Both exterior and interior shutters can be used to keep heat out in the summer. They do not work as well at keeping heat in during the winter. Another perk of having exterior shutters is that they can provide extra security for your home as well. Window Panel: Similar to a shutter, a window panel is a product that pops into the window frame and provides extra insulation in the winter. An inexpensive addition, this may be ideal for windows not used for their light in the winter. Screens: Although these don't really keep any heat in place, using screens on your windows allows for better cooling and airing of your home in the summer. Screens allow you to keep windows and doors open encouraging a natural movement of the air. Using open windows well in the morning and evening can drastically reduce your air conditioning bill. Thankfully this can be done without letting in all the bugs and critters! Awnings: Window awnings can help keep the house cooler in the summer by reducing the amount of heat that is adsorbed. Air Leaks: Get rid of air leaks! Insulation works to improve both the heating and cooling of your home. Check around your doors and windows first. Many leaks escape through these portals the most. Replace weather stripping and caulk where needed. Besides the doors and windows, also check for air leaks around vents, fans, phone and cable lines, and electrical lines. Depending on the materials used in your home, you may also need to check any brick, stucco or cement construction for needed repairs. Not sure if you have a leak? One option is to use an incense stick. The smoke will show any movement caused by air leaks. Another method is to have someone stand on the other side of the possible leak source while you shine a flashlight at the edges. If they can see the light on the other side then some updates should be made. Insulation: Updating or adding insulation to your home, especially an older one, can help reduce costs associated with heating and cooling your home. The attic, crawl space, basement, exterior walls and space around service ducts are the areas that will need the most attention or improvement. Reduce Water Usage: There are many ways to reduce your water consumption around the home. The hot water heater can be an energy hog. Try insulating it if it does not already have at least R-24 insulation. You can also lower the temperature of the water from 140°F to 120°F to save on cost. Make certain to fix any leaky pipes or faucets. Over time these will not only consume water but will also cause damage to the surrounding area. To get better use of water for your money, consider installing low-flow water faucets and showerheads. You may also consider a water (and energy) efficient clothes washer. What do you bring into your home? Whether building a new home or shopping for the weekly groceries, the products you choose to bring home have a great impact on the environment. Taking some time to consider your choices before you buy is a great way to reduce your carbon footprint. Renewable Construction: If building or remodeling a home, consider renewable sources for some of your construction needs. You do not have to use all or any of them, however, if you take the time to research some of these options, you may be surprised and find a good fit. Hardwood floors are great in that they keep allergies as bay and are easier on the environment then synthetic carpet manufacture. However, a renewable wood is key here. Renewable floors such as bamboo or cork are much easier to replenish. Another option that has gained in popularity is reclaimed wood. This product is taken from demolition sites - everything from an old house to an old gymnasium floor. Research the product's history as some sealants and paints used on the wood may be toxic. There are more renewable sources available. From recycled glass used as tile to recycled jeans used as insulation. Take a look at our links to the right for more information about these items and possible vendors in your area. Buy Local: There has been a lot of encouragement for consumers to buy local recently. Buying locally should help cut down on shipping and packaging costs. Doing so can also help local farmers and businesses. Not always the cheaper option, trying to purposely buy some items locally can help the economy and ultimately the environment. In fact, some believe buying groceries from local sources provides fresher produce that ultimately could be better for your health. Quality of Product: Being a savvy consumer who expects the best quality in their products is helpful to the environment as well as your pocketbook. Move away from cheaply made items; instead research your purchases and get ones that will perform well for a long time to come. Check Labels: On anything you buy, take time to check the labels and be aware of any impact it may have on your environment - including at home. Consider carefully your choice in chemicals used for cleaning. When working on home improvement projects consider the options you have for glues, paints and other possible hazardous materials. THERMOSTAT: Lower your thermostat by a few degrees. Get a controller where you can specify different temperatures for day and night. LIGHTS: Turn off incandescent lights when not in use. Turn off florescent lights if you will be gone for more than 15 minutes. Optimize your use of natural light with work or reading places near northern or southern windows away from eastern and western sun glare. ELECTRONICS: Turn off power strips if nothing on the strip is in use. Unplug unused electronics. COMPUTERS: Turn off your computer monitor if you will be gone for more than 20 minutes. Turn off both your computer and computer monitor if you will be gone for more than 2 hours. Use the sleep mode if your computer has one. ENERGY: Consider purchasing green energy from your power company such as solar power, wind power, biomass power, geothermal energy or hydropower. If your power company does not have one of these options available, you may still be able to invest in future programs. LAUNDRY: Wash your clothes in cold water when possible. Clothesline dry your laundry on sunny days. Shop for detergents that list which toxic chemicals are not in the product. A generic statement such as "non-toxic" may be gimmick so read the label carefully. GROCERIES: Shop locally. Use a cloth reusable bag for groceries. COOKING: Use cookware that cooks at lower temperatures such as cast iron or clay. Save your baking for cooler hours. DISHES: Only run the dishwasher when it is full. Run the dishwasher at night. GARDEN GREEN: Check out our article on environmentally green gardening. Or see our article about pet safe gardening.

Pest Control

Reclaim Your Home From Pests!

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Bugs are a part of life and rodents often come wandering through. These animals are part of the environment and serve their purpose in the great chain of things. However, they can become a nuisance and may even be dangerous if they take over our homes. They are then more aptly called 'pests' and need to be dealt with. This quick article will give you some preventive tips about how to battle common pests. You may adjust many of these tips to various bug and critter problems.

ANTS

Seeing ants around a home is usually taken for granted; however, an ant colony in your home can become a serious issue and should not be ignored. Identifying the species will be important to identifying the type of problem you have. A black ant may be something you can live with when moderated but a carpenter ant is just as dangerous to your home as termites. So what attracts these pests? Food scraps, crumbs, sugar spills or pet food are just a few examples of the type of foodstuffs that will attract many ants. Also, leaky pipes and other sources of water will also help keep the ants happy. Some ants, like carpenter ants, will go for rotting wood. How do you know if you have ants? Well, in most cases you will see them. Soldier ants will make not secret of their presence as they march through your kitchen looking for goodies. In a large indoor infestation you may also see the swarming of winged ants as they search for a new place to colonize in spring/summer. In cold winter months, if you see ants indoors, they are probably in your home rather than coming from outdoors. Finally, how do you get rid of them? First step is to follow their trail to their home. This may lead you to breaks in the baseboard, window, etc. showing you how they are approaching from an outside nest. In this instance, simply seal up entry points. If you find their nest is in your home or you cannot locate it for certain, then baiting is the best option. Ant colonies can sometimes be hard to locate and spraying may just encourage them to pack up and move to another corner of your home. Instead, baiting lets them take poison back to the colony themselves. Baiting is also considered less toxic than spraying. However, make sure it is out of the way or ignored by curious children and pets.

BEES/HORNETS/WASPS

Bees are essential to the eco system, helping plants spread pollen. Wasps, although they look similar to bees (have a thinner waistline), actually survive both on eating nectar and other insects which make them just as beneficial to the ecosystem. Although bees and wasps look the same on the outside they have many behavioral differences. However, one thing that does remain certain is that they all should be handled with caution. When both move too close to our home they can become a problem. So what attracts these pests? Both are attracted to areas that do not receive abundant traffic. This is why you may discover them on your property in areas used less often such as near sheds or side storage awnings. Bees and wasps may build their colonies in the ground, old tree trunks, cracks/openings in buildings and generally other quiet, out of the way places. Paper wasps make the nests in limbs, under eaves of houses and other high places. A good source of food and water and bit of piece and quite offer ideal conditions. How do you know if you have a bee problem? With bees you may not know until your at the area with a hive in the ground. Nests of paper wasps and hornets you can usually spot up in a high corner or nook. Again, bees, hornets and wasps can be beneficial to the ecosystem around your home and if they are not causing a danger may be left alone to work their magic for the summer. However, if they are in structures of your home or too close to where the family may stumble on their territory you should seriously consider getting rid of them. Finally, how do you get rid of them? Be very, very careful when going after any of these groups. Especially in the case of underground hives you may not know how large the hive could be. The biggest threat will be swarming. To protect yourself, make sure to cover you body as much as possible; use gloves, hat, scarf, etc. Also, try to get the nest at dusk or later when most wasps/hornets are back at the nest. There are many specialized chemical sprays on the market that can help eradicate these nests. Again, just make certain to proceed with caution or contact a professional if in doubt.

COCKROACHES

Cockroaches are notorious household pests. These bugs colonize rapidly and can contaminate everything they touch with diseases and allergens. They can spread sickness and irritate those with allergies. Not to mention they can overtake an area with a colony and cause physical damage to your home. So what attracts these pests? Cockroaches are attracted to damp and unsanitary places; sewers, drains, kitchens, bathrooms and storage areas to name a few. How do you know if you have a cockroach problem? If you don't see the cockroach directly, you can usually find signs of their damage and fecal matter. If you suspect cockroaches, setting up traps where you think they are active will help get an idea if they are in your home. Finally, how do you get rid of them? Sanitation is going to be the first key step. Getting messy, mildew ridden places clean will help minimize their romping grounds. Another step is to set up traps so you may better pinpoint their home(s). You will then need to set up a monitored program that may include baits, dusts, sprays and more traps. Keep track of your progress, if the problem persists you should enlist professional help. Also, the extermination program may vary depending on the species of cockroach in you home. A professional will know how to identify the species, find the colony (or colonies) and set a program to fully eliminate the intruders.

FLEAS

Fleas are usually a pest pet owners are the most aware of. These insects live off mammals, biting them and laying their eggs on them. The eggs eventually drop off onto sleeping areas and other areas frequented by the pet and continue their development there. Some animals and people are allergic to their bites, most however, just find them annoying. So what attracts these pests? You do, and your animals too. These pests survive off eating blood from mammals. Pets that are inside and outside will be the likely carriers of this pest into your home. They will bring them in and usually the fleas will concentrate in their dog/cat beds and other areas they sleep. How do you know if you have a flea problem? Usually targeting pets the most, you'll notice if they are itching and scratching a lot. You'll also may come to notice bites of your own. If allergic you will see red welts develop. Finally, how do you get rid of them? To get rid of fleas many times you will have to exterminate them in the yard as well as your home. Fleas spend most of their time on your pet or other animals. They lay eggs there as well, but these usually fall off into the surrounding area, such as your carpet! This is why when you eradicate your home of these pests you need to first clean these areas. Concentrate on where you pet sleeps and spends the most time indoors. Also vacuum, clean any pet bedding, rugs, blankets and anything else the pet has been near. From here you may then use over the counter insecticide to treat these areas to kill off as much as possible. You will need to apply these more than once as any flea pupae are immune to these sprays when in their protected cocoon. At the same time, any pets should also be treated. You can use flea baths in conjunction with various flea medications or collars. Be certain to read directions carefully as many of these are species specific (i.e. for cat or dog only) or also weight specific; ask your vet for recommendations. Finally, for your yard, there are pesticides you may spray on, again, concentrating on pet kennels, dog houses, runs and other areas they use the most. As with all these pests, you may also hire a professional if in doubt or if a severe infestation arises.

MICE & RATS

Mice are much smaller than rats. However, they are similar in that they have poor eyesight and find their way into your home through cracks and openings, following their nose. These openings may be in the foundation, roof, floor (if unfinished) or anywhere else that has an opening 1/4-1/2" in size. So what attracts these pests? Food and shelter are big draws. Many times it is stored food that you may not directly associate as a problem. An example would be stored seeds or camping supplies. Don't consider your items stored in the attic are any safer, roof rats got their name for a reason! How do you know if you have a mouse or rat problem? If you don't see these pests directly you will hear them and often see their damage. There may be gnawing on holes or entry points in walls or cabinets and gnawing on food boxes and similar items as well. You may also find droppings in the home. Most likely if you see these pests you will see them at night or when it is more quiet in the home. Finally, how do you get rid of them? First eliminate how they are entering your home. Any holes should be closed off with tough metal mesh or sheets. The harder the material the better as these pests can work their way through anything soft, like wood! Remove the temptations like stored food or piled garbage or clutter. For stored foods consider moving items into plastic or glass containers instead of cardboard (depending on how accessible these items are). Next you may use traps or poison or a combination of the two. Most poisons are taken by the mouse or rat back to their burrow, so you may end up a with a dead mouse/rat in the wall of your home - this will not smell good! Also, mouse/rat poison will make pets and humans very sick if ingested, make sure to keep it away from pets and children. Check with a professional if you have a large infestation or are uncomfortable using traps and poisons on your own.

MOSQUITOES

Mosquitoes are annoying! They buzz in your ear and inflict bites that itch and seem to appear out of nowhere. It has always been known that some mosquitoes can transmit diseases. They have received more attention in the news lately due to their carrying the West Nile Virus. It is important that you keep repellent on you when camping and enjoying the outdoors. Here is some additional information about what do you do when they become a pest in your yard and home. So what attracts these pests? These pests lay their eggs in standing water. This can be a pond, a rain barrel, old tire or a tin can (to name a few). As long as there is a bit of water or moisture many species of mosquito can survive. Some will even lay eggs in low vegetation/ground cover that is damp and secluded. What attracts them to you and your pets is your blood supply. However, this is only the females as the male mosquito eats nectar from plants instead. How do you know if you have a mosquito problem? You will know if they are pestering you! Also, if you have standing water or a pond you can sometimes see their activity in the water. Finally, how do you get rid of them? You can start by eliminating standing water on your property. However, this may not rid you of the pest entirely as they can travel distances and may be breeding somewhere away from your home. Next you can get various repellents for your yard and home. However, keep in mind that it will be an ongoing treatment since this pest may be coming from outside your property. Oftentimes, personal protection such as sprays for the skin are your best defense against these pests.

SCORPIONS

These pests are more of an issue in southern states but do inhabit some northern states. They have two large pinchers and a stinger bulb at the end of their tail. Usually they will leave you alone unless provoked. However, if they are hiding in your home you may run into more problems than if they were only living outside. So what attracts these pests? They usually can come into the home like many other pests, through cracks and other openings. The are usually looking for bugs, moisture and dark places to hide. Directly outside the home they may be in wood piles or under rocks. How do you know if you have a scorpion problem? You will most likely see these pests at night when they are out hunting. It is also possible, if they are in your home, that you will find them in closets, bathrooms and other dark and/or damp areas where they are comfy. Seeing one does not mean you have an infestation, however, it does mean that they are getting into the house somehow and you should do an inspection of your perimeter to make sure you can keep others out. Finally, how do you get rid of them? Remove firewood, rocks and debris too close to the home which may offer them their first hideaway. If you have areas of your home prone to moisture problems, then get these areas fixed and dry them out. Regular bug control will help as well as you will be removing their food source. There are chemicals on the market, but you will want to rid your home of hiding places before using these. Seek professional help if you are uncertain. Also, make sure to wear protective clothing when searching them out such as gloves and boots. Most scorpions are not lethal to humans, but their sting will hurt like a wasp or large honey bee.

SPIDERS

Spiders are a part of home life. They can be good friends in combating unwanted insects and aid in pest control. For example, big colorful garden spiders may look intimidating, but they can prove a valuable ally in getting bugs out of your yard. However, all spiders can become pests themselves when they become too abundant or invade your home. So what attracts these pests? Most spiders are attracted to an area with many bugs to feed on. They usually want a high or low corner where they can remain undisturbed. Spiders that build webs, will do so where it can remain undisturbed but will also trap bugs as they wander about. Some spiders, such as wolf spiders, do not build webs but instead go out on potrol hunting for bugs. These spiders will hide out during the day and come out when it is quieter. How do you know if you have a spider problem? You may notice too many webs and in some cases, molted shells within the webs. You may also find egg sacs that are full of tousands of eggs that you will want to dispose of carefully. To squeeze one of these too hard is not a pleasant experience! Also, you may notice spider bites. These small bites will let you know that they are too abundant. Finally, how do you get rid of them? Like many of our other pests mentioned, getting rid of debris around and inside the house will help. Also, getting rid of their food supply - if you keep you other bugs out they won't have food to find in your home. Make sure you identify a spider before acting. If it is a poisonous spider, such as a hobo or brown recluse, you may want to get professional extermination. If it is a garden spider you may want to just trap them and put them outside in your garden where they will become a very good ally.

TERMITES

The most common pests that like to devour your home are termites. These pests alone are estimated to cause $5 billion a year in damages!* These pests will literally eat you out of house and home if left unchecked. Like many pest issues, the damage they can do to your home is devastating and unfortunately not covered by homeowners insurance. Therefore it is important when buying a home to get a inspection for bug problems. So what attracts these pests? Moisture is a big draw and they like to keep the humidity levels up. Keep the foundation of your home dry by ensuring all your drainage is working properly; make a point to check for moist spots so you may correct the drainage ahead of time. It is a good idea to keep a gap between any wood and dense plants and the soil around your home. Along these same lines, you should make sure gutters are kept clean of debris. If they become clogged these too will attract termites to your home. Keep firewood stored elevated off the ground and away from your home. You should not let unused firewood just sit and rot as this will become a termite haven. If building a new deck, fence, etc. make sure to use treated wood and seal it from water. Also, using sand around posts, under decks and other areas will make it more difficult for most termites to tunnel their way in. How do you know if you have termites? If you begin to see flying termites in your home and wings discarded in window sills, doorways, spider webs, etc. this may be a good indication that there is a colony in your home. One of the tell tale signs is pencil sized "mud-tubes" that are part of the network termites build. These tunnels in wood are soft and can easily be crumbled with a knife. Finally, how do you get rid of termites? There are three types of treatments a professional inspector can offer: soil treatment which uses a diluted poison placed in the soil to protect the perimeter and serves for long term protection from termites (this is usually used in cooperation with one of the next two treatments); wood treatment which treats the wood directly effected and surrounding area with poison, and finally bait treatment which draws the termites out which gather the poison and take it back to the colony. Whichever of these you choose, it is highly recommended that you consult a professional to get this type of job done correctly. One item you may want to ask a professional you hire concerns the chemicals they will use. Many of these are toxic well after applied. Make sure they are aware of children and pets in your home and might be able to offer alternatives if necessary.

Home Appraisal

What to Expect & How to Prepare

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The Appraisal Foundation - USPAP (Uniform Standards of Professional Appraisal Practice) defines an appraisal as "The act or process of developing an opinion of value." This valuation is a determination of your property's market value - what it will likely sell for on the open market. So how is this "valuation" determined? Why does the idea of getting an "opinion of value" create so much apprehension about the process? What can you do to make your home appraise better, if anything?

What do you do if your home doesn't appraise well?
elow are commonly asked questions that hopefully will give some clarity about home appraisals. What is a home appraisal? A home appraisal is a survey of a home by a professional for their opinion of the property market value. In most cases an appraisal is done for a bank when a home is being approved for a loan for the home buyer. The home appraisal is a detailed report that looks at such items as the condition of the home, the neighborhood, what similar homes are selling for, and how quickly similar homes sell (to name a few). The appraisal may be a sales comparison or a cost/replacement opinion of value. There is also an income appraisal, but this is done primarily with commercial properties. The sales comparison will look at other properties in your neighborhood and what they are selling for and then figure how they compare to your home. With a cost/replacement opinion of value the appraiser is looking at what it would cost to replace the home if destroyed; this is more commonly used for new homes.
Important Note: An appraisal is not a home inspection! Appraisers only look for major concerns, they do not examine the home's full condition (i.e. examine the roof, appliances, etc.). For this reason a home inspection should still be requested by the home buyer before purchasing the home.

Who is an appraiser?
Appraisers are licensed by individual states and are held to strict ethical standards. Appraisers are the third party whose purpose is to give their opinion of the market value of a home. Ideally the appraiser should not be connected with anyone involved with the home transaction.

Who picks the appraiser?
When an offer is made on the house the appraiser will normally be determined by the lender. The lender may have their own appraiser or contract with an independent party. Sometimes the bank will allow the seller to choose an appraiser, but only when that appraiser is already well known to them.

Can the seller get their own appraisal done?
Yes. The home seller may commission their own appraisal before selling the property to determine cost. However, this will cost anywhere from $300-500 and the bank most likely will not accept this appraisal but request another to be done by their own contact.

If not by appraisal, how do I set the price for my home?
Home sellers can set the price of their home with the help of a REALTOR(r) using a comparative market analysis (CMA); the CMA is not a substitute for an appraisal but will give a good idea on setting an asking price (usually 5-10% more than the market price for your area).

How can you prepare your home for appraisal?
Prepare for your home appraisal like you would for a home sale. You are in essence re-selling your home. Make sure all the maintenance you can do is done; this includes clearing and trimming the yard to painting the house - hopefully most of this was already done for the sale and should at most need only a minor touch up. Be polite to the appraiser and give them full access to your home; work with them not against. Inform the appraiser of your home improvements. Let them know about the new windows, new floors, the finished basement, etc. And finally, don't be caught off guard. Do your homework! Know what similar homes are selling for in your neighborhood. This is something that should be done before setting your selling price. But in case your home has been on the market for a month or two, keep your research current. Let the appraiser know about similar homes and what they have sold for, especially if you know why a particular home that is like yours sold for less, let them know why your house is different.

What if the appraisal is low?
An appraisal that comes in lower then the asking price can jeopardize the loan and ultimately the sale. The lender will generally only loan up to 80% of the appraisers opinion of the home's value. The most common result is that the seller can lower their asking price. Or the seller and buyer can negotiate and meet at a price in-between. If the buyer still wants the home badly enough, they may put more money down; but this may still not guarantee their loan as the lender will still view it as negative equity. The final option is to dispute the appraisal. Before disputing with an appraisal, do your homework. Look at the homes in your community that have sold in the last 6 months and see what the differences are that may make your home more valuable. Perhaps there is a sale that the appraiser missed, perhaps other homes do not have the renovations and improvements you have done, perhaps the appraiser is not familiar with your type of home or neighborhood, etc. Building this case may be a good idea even before the appraisal. This will prevent you from getting rushed by the timeline after the appraisal is done. This is something you can ask for your REALTOR(r) to help with as they usually have a vast knowledge of your market area. Once you have the case, present it to the lender. They will likely get a new appraiser or request the same appraiser to reconsider it. If you do not want the same appraiser, make sure to specify this and ask for a second opinion.

What other aspects of the appraisal can hurt the loan?
By in far, the appraisers opinion of the home's value being lower than the asking price is the most detrimental. However, other factors may cause the lender to refuse the loan or require further contract negotiations. These concerns would result from property conditions that may require the home buyer to do more investing in the property to keep it valuable, such as upkeep on a private road. Your REALTOR(r) can help you with these types of objections and altering the contract to meet the lenders concerns.

The above is an introduction to answer some basic questions about the appraisal process. Please look at the links to the left for more detailed information. Now, if you are interested in what your home may be worth, check out Zillow for fun! This online program uses Google Maps to show what homes in your neighborhood are selling for or may be worth. Of course, I would suggest caution as the opinion of value given for most homes is rather high: http://zillow.com/ Happy appraising!

Don't break the bank!

Recession survival tips for the household budget

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Now is the time of New Year's resolutions and an artificial restart for many of us.  This is a time taken to reflect on what goals we may want to achieve in the year ahead.  In many cases, financial security will be a primary objective for individual households as the recession continues through 2010.  Many people are grateful for the beginning of a gradual stabilization and cautiously hopeful for the recovery of the economy.  Although the majority of us do not have direct influence on the big companies and banks, we do control how we run our individual households, and many of us will be tightening our spending budgets and looking for ways to save.  Below we have provided some online resources for everything from keeping a balanced budget to finding ways to shop a bit smarter.

Know your budget: Before you can adjust your household budget to save, pay off debt or get ahead in your payments, you have to have a realistic look at what you owe and what you earn.

  • Bankrate: This site offers numerous online calculators from home budgets to which saving options will give the best returns. You can also begin to look at whether a home equity line of credit would be a good way to get rid of your debts or if now would be a good time to refinance under a lower mortgage rate. http://www.bankrate.com/brm/rate/calc_home.asp
  • BBB Develop a Working Budget: A printable worksheet that comes with other details to consider when calculating and understanding your budget. http://www.bbb.org/alerts/article.asp?id=709
  • Kiplinger.com Budget: An online budget form that will help you get started figuring out where you stand for the current month. http://www.kiplinger.com/tools/budget/
  • Microsoft Budget Templates: If you already use Microsoft Office, consider downloading one of their free budget templates. One of these Excel worksheets can help you keep track of your monthly expenses and be altered to fit your specific needs. http://office.microsoft.com/en-us/templates/CT101172321033.aspx

Revisit your grocery list: Reconsider how you buy groceries and what you buy.

  • Always shop with a list - Some suggest a list for any shopping trip you take. Always have a clear idea of what you need. This will help you find the best deals and not get distracted by impulse buys.
  • Buy generic brands - When you compare ingredient labels you may be surprised how similar or exact the name brands are with the generic. Try a couple taste tests, not everything generic will be ideal for your pallet, but some may surprise you, and savings could sweeten their flavor all the more!
  • Buy in bulk - Many stores now offer you the option to save by buying in bulk. Never use enough of it in time? Consider teaming up with family or neighbors and splitting your purchases. Maybe you don't need 10lbs of chicken, but 5lbs at $2 less per pound is savings to the bank.
  • Pack more snacks - When shopping, look for items you can easily put in the car, at the office or anywhere you might get the munchies. This way you can curb you hunger before you decide to hit the fast food on the way home.
  • Home Ec 101: Bake and Cook - Take on the personal challenge to become a better chef. Don't have the time? The internet is full of quick and easy casseroles, muffins, and other recipes that can help you get through your day. You will save money in the 15 minutes it takes to make these meals and you may find them more satisfying than microwave dinners.
  • Home brewed coffee - If you are addicted to your caffeine, then it is time to invest in a coffee pot with a clock and timer. You can still grab the coffee on the way out the door without being slowed down. Need it at work? Consider a French press where you can brew coffee conveniently at your desk without any machines, filters or mess.
  • Find your green thumb - If you have the property consider making a garden with your favorite greens. Fresh tasting rewards combined with natural stress relief. Don't have the property? Consider a container garden (or even an indoor container like the Aero Garden) for some of your basics. Maybe get to know you neighbors and join in a community plot.

Coupons, discounts and closeouts: Many sites online now offer ways to compare the best deals by product or store. Whether looking for new electronics or ready to head to the grocery store, check out these sites before you buy. Also take time to review the forums with customer input and reviews. A bit rough around the edges, the customer reviews on these sites are often short and to the point.

  • The Bargainist: This site lists both sales and coupons. Easy to use search - just type in the product you are looking for and it will check for any deals currently available. http://www.bargainist.com/
  • Cool Savings.com: A membership is required. If you don't mind printing your own coupons, this site is ideal for the busy shopper who knows what they want but does not want to sift through mailers, the newspaper and magazines to find a good deal. http://www.coolsavings.com/
  • Coupon Mom: A list of coupons, free offers and much more. A great way to search out grocery coupons. There is a membership but as with similar sites, this is free. http://www.couponmom.com/
  • Deal Catcher: Coupons, sales and rebates galore. Review sales by stores as well as by item rather than brand. http://www.dealcatcher.com/
  • Fat Wallet: The savings here can be found in the online forums. Savvy consumers share information and special deals. There is also the plethora of coupons and discounts listed by store or category. http://www.fatwallet.com/
  • RetailMeNot: A twist to the coupon frenzy, this site offers the coupons for online retailers. Many online retailers or stores with online shopping offer discounts or special deals with certain coupon codes or key words. RetailMeNot searches for these codes for you so you can use them on your next purchase. http://www.retailmenot.com/
  • SlickDeals.net: Mostly user driven, this site helps to create a community where bargain hunters can congregate and share what they have found. The latest deals page can be fun to review but you can also search for products by name. http://slickdeals.net/  

Be an educated consumer: Be more particular about the products you buy. Taking time to read reviews and learn the pros and cons others have experienced before you buy will help you choose better products that will last longer.

  • Buzzillions.com: After compiling reviews from customers that are sent to major retailers in response to the products they sell, Buzzillions then puts all those reviews together into an easy to read snapshot with an overall rating. You can then read the individual reviews from other consumers like you. http://www.buzzillions.com/
  • Epinions: This site is user driven with opinions on everything from products to entertainment. Perhaps you want to know more about a book, video game, movie or iPod? Most likely someone has given their two cents about it here. http://www0.epinions.com/
  • PriceGrabber.com: This site helps the consumer compare prices between online retailers. Many popular products also come with reviews and ratings. The price comparison also includes some of the used markets such as Amazon Marketplace. http://www.pricegrabber.com/

Rack up rewards: There are many programs out there to reward shoppers. Take the time research them and find one that works for your shopping style. If you shop online there are shopping portals that offer rewards. If you shop a little bit everywhere, consider a credit card with flexible reward points. If you shop at one store the most, get a rewards card with them. *A thing to remember with reward credit cards is that they usually come with a higher APR. It is better if you can charge and then pay immediately and not rollover this debt. That way you can get the rewards without the extra interest.

  • CreditCards.com: If you use credit wisely, then you might consider a credit card rewards program. This site offers an easy glance through some of the programs available. Also consider looking at individual card company sites. http://www.creditcards.com/reward.php
  • Ebates: An online shopping portal that received favorable reviews from some bigwigs like Good Housekeeping and CNN. Not only do you get a discount when shopping, but you can get bonuses as well. http://www.ebates.com/

Buy and barter used: Flea markets and garage sales can be great if you have the time and the weather to get one going. Maybe you don't have either? Then how about trying the same bartering and selling online? Besides the already popular eBay, you may be surprised at how many sites there are that will allow you to exchange, sell and buy cheap!

  • BarterBee.com: A site specifically geared towards recycling CDs, DVDs and computer or consol games between households. Once you sign up for a membership you list your used items for sale. Sell items to get points. You can then use those points to buy other CDs, DVDs or games that you want to try out. Of course you wouldn't use this site to make cash - points are used for like items. http://www.barterbee.com/
  • Craigslist: An online mismatch of services, used goods and announcements by city location. Here you may be able to find used items cheap. It can be the ordinary like used furniture to the not so common. For example, I once found someone who had new pavers left over from a patio project that they are willing to sell at a discount just to get them off their lawn. You may also be able to find cheap services such as yard work. However, users beware, there are no regulations on this site and you should take precautions when working with anyone on this list. This site definitely has a mixed history of great successes and terrible wrongs. Be careful. http://www.craigslist.org/about/sites
  • eBAY: One of the most popular and well known online auction stops, eBay has been around since 1995. Users have the ability to rank other users for the ease of trade transactions. Probably the biggest garage sale on the internet. http://www.ebay.com/
  • SwapThing: This site allows for consumers to trade and barter items or services. There is also the option to do flat out sales. Unlike an auction site, you can barter privately and do not have to list items for auction. You enter what you want and it will match you with others who have it available. http://www.swapthing.com/home/index.jsp

Get it FREE: There are some sites that will help you sift through the spam to get free items. Be warned that some of the free items still come with many "free" emails.

  • Coupon Mom: Already mentioned above, this site also lists ways to get free samples of many products. http://www.couponmom.com/
  • Free Shipping.org: This site lists all the free shipping deals and codes. If a site offers a free shipping offer, they have it listed. If you need a code to get free shipping, they have most of those too. http://www.freeshipping.org/
  • Hey, It's Free: This blog website run by Goob works to find out the real freebies on the internet. Goob goes out there and finds out if a site is just spamming or if there really is something for free at the end of all the forms. That wisdom is then passed on to the readers of this sarcastic but informative blog. http://www.heyitsfree.net/

Compare Insurance Carriers: It is true, if you have been accident/incident free for a while you may be able to save by switching to another insurance carrier. Every company may offer something different in incentives, but take a look and see if a switch can't save you some money this year.

  • InsWeb: Recognized by sites like Kiplinger and Forbes, this online insurance comparison site will help you by getting quotes from agents after you supply your information. http://www.insweb.com/
  • NetQuote: An insurance comparison website. You fill in the information and the agents work out your rate with their company. http://www.netquote.com/

Be your own travel agent: Consider your vacation plans carefully in advance. When shopping for tickets, shop around to more than one vendor. It is not unusual for some airlines to give better deals then the online travel agencies. If you are a spur of the moment type of traveler, you might consider researching a couple major cities before tempted by last minute weekend travel deals. Like consumer reports, travel blogs are a great way to get more information before you go. Did you know you could see an opera in Vienna for $5? Well, now you do…

  • Budget Travel: In print and online magazine from Frommer's Travel, the site also offers free articles on featured destinations, trip ideas and advice from other travelers. http://www.budgettravel.com/
  • Kayak.com: This travel search engine is different in that it does not sell you the deals, it just works to find them for you. This is one of the easiest ways to search online travel agencies (i.e. Expedia) and the travel companies (i.e. airlines). http://www.kayak.com/
  • Lonely Planet: Supplementary to the printed books, this website offers information about popular travel destinations as well as tips from other like-minded travelers. http://www.lonelyplanet.com/
  • USA.gov: Want to stay close to home but still get away? Check out the official state travel sites for the 50 United States and U.S. territories. http://www.usa.gov/Citizen/Topics/Travel_Tourism/State_Tourism.shtml