and Design

Where to begin

So you’ve decided to make some home improvements. It is an exciting prospect to upgrade and bring your home closer to the image of your dream home. Begin by considering the changes you want to make. You may already have an idea of the things you want to improve, but now’s the time to fine-tune your ideas.

Think about how your home already supports the way you live, and which existing elements you really like. Write down each item you want to keep, and what you want to change. This will not only help you prioritize the projects you take on first, it will also help you better define the details of each project. No matter how large or small your project, planning is crucial. Developing a detailed plan will insure that your project runs smoothly forward and that your results will be a success. Having a clear image in your mind of what you want to achieve will help guide you in the steps you must take to attain your goal.

Determine your goal

Once you know the project that you want to take on first, you can begin to make decisions about what you want to change. The more clearly you can envision what you want to achieve, the better prepared you’ll be in making necessary decisions;Think about traffic patterns, furniture placement and size, colors, lighting and how you plan to use the remodeled space. Draw out your completed idea to get a clear picture of what you hope to accomplish.

Cost Estimation

You probably have a basic idea of how much you want to invest in your home improvement project, so base your estimate on that budget. Nothing is more disappointing than not having enough money to finish the entire project, so plan well, beginning with the most costly or most important items. To get a good idea of material cost, simply check out your neighborhood home improvement center. If you have any questions or concerns, most of their employees are able to either give you answers or guide you to someone who can. When pricing your necessary materials, remember to include any hardware and finishing products you might need. Don’t forget nails, adhesives, tape, stencils or paint.

Gather your tools

Be sure that you have the proper tools available before you start. If your current toolkit does not have certain specialty tools to do the job properly, you might have to invest in them to complete your project. You could also consider borrowing or renting them. Some jobs might also require two people for safety reasons, so you will need to line up additional help before you work on that part.

Consider Eco Friendly Building

Green remodeling is a sound choice, for both, a healthier life and as an investment in your home. Currently, in traditional construction, indoor air quality is often worse than outdoor air, due to various building materials, inadequate lighting, and a variety of other variables. Some eco friendly choices do require purchasing special equipment or materials, but many upgrades are just a matter of knowing the most environmentally conscious choice to make. Using recycled materials where available, (glass, stone, plastics), choosing carpet low in Volatile Organic Compounds (VOC), and installing more efficient, low water plumbing fixtures are a few Green options that cost little or no more than the non-Green.

Anticipate your needs

Most home improvement projects require a variety of different skills. If there is a task that requires more skill than you have and you would feel more comfortable with expert guidance or proficiency, a contractor can usually do just the portion of the job that you are unable to handle for a portion of the cost of the entire project. You might consider hiring a plumber, electrician or heating specialist, or even a general handyman for a job that requires additional manpower.

Hiring a Contractor

If you do plan on hiring a contractor, you must get a written contract. A good contract includes a detailed description of the project, start and expected completion dates, labor and material costs, and any warranties of workmanship. Including a right to cancel clause of three business days is a good idea. The more detailed you make your contract, the less room for problems you will allow.

Building Permits

Before you actually start tearing down walls or running electrical wire, check with your local or state building department to learn if your project requires a building permit. A building permit is a license required by city code that grants legal permission to construct, enlarge, alter, repair or demolish a structure or equipment installed in a building. If you are working with a contractor, find out if his services include obtaining permits.

So now, you know where to begin. Following these guidelines will help insure that your home renovations will advance without any unnecessary hitches or unfortunate surprises, whether you are doing internal remodeling and upgrades, or external maintenance and repair. With the correct preparation, and taking it a step at a time, your dream home will not be just a dream!

Home Improvement Tips: Financing Home Repairs and Improvements

Finding funding may be a project itself, depending on the scope of your home improvement plans, For smaller projects, you may be able to save for it from your regular household budget. But for major projects, you will probably need financing. It may be possible to borrow against the cash value of your life insurance policy. Talk to your life insurance agent for information about this option.

Contact your bank, savings and loan, or credit union for information about home improvement loans. Compare interest rates, repayment options, and penalties from a few lending institutions before selecting one of the following options:

Second mortgage: A second mortgage is loan against the equity in your home, in effect, an additional mortgage. Typically, financial institutions let you borrow up to 80% of the appraised value of your home, less the balance on your original mortgage. For example, if your home is appraised at $100,000 and your current mortgage balance is $70,000, you may be able to obtain $10,000 by a second mortgage. You may also have to pay all the fees normally associated with a mortgage, including closing costs, title insurance, and any fees. Your tax advisor can tell you if the interest on a second mortgage is tax-deductible.

Refinancing: This option pays off your current loan and takes out a new mortgage on your home. Generally, you’ll need to have equity in your home, a solid credit rating, and a steady income. Again, you’ll incur all the closing costs that you’d pay on a new mortgage. Unless your remodelling project is extensive and you can get an interest rate at least two points less than you currently pay, refinancing may not be a good choice for you.

Home Equity Line of Credit: A home equity loan-like a second mortgage-lets you tap into up to about 80% percent of the appraised value of your home, minus your current mortgage balance. Since it’s set up as a line of credit, you won’t have any interest charges until you make a withdrawal, but you will pay closing costs. You can make withdrawals as needed when you start paying contractors and suppliers. The interest rate is usually variable and may be based on the outstanding balance.

Make sure you thoroughly understand the terms of the loan. For example, if your loan stipulates that you need to pay interest only for the life of the loan, you’ll have to pay back the full amount borrowed at the end of the loan period or you could lose your home. Ask your tax advisor if the interest on a home equity loan is deductible.

Unsecured Loan: Although the interest rates on unsecured loans are frequently higher and you generally won’t get a tax deduction for the interest you pay, the costs of obtaining an unsecured loan are usually lower. And the relative ease of getting this kind of loan may make it a good choice for small projects of $10,000 or less. The lender will evaluate your application based on your credit history and income.

You’ll be happier with the outcome of your home improvement project if you plan carefully and do your homework. The information in this article and a realistic idea of your needs and budget will help you make your home closer to your dream of perfection.

Bets For Home Improvement Success And Satisfaction

You might have heard people tell you how to do the jobs on your home, but you can find out on your own. This is going to take a commitment from you, but you’re going to see the results. You will find what you need to know in this article.

Never rush headlong into renovations or projects without first creating a plan of action. If you want to avoid wasting time or money, it’s vital to have an initial plan in place. Adding new work and new goals to a project that’s already underway can strain your budget and your schedule much more seriously than you might expect. Your contractors will appreciate and be ready to begin, if you know what you are looking for before the project starts.

Building material can be stored between floor joists or rafters in the ceiling. Large materials and long items can be tucked away easily. Nail furring strips across a couple of exposed floor joists. Alternatively, nail them across your rafters. Slip the material in there for easy storage.

It can be quite easy to make fun pillows for a teen or young adult. Use old cloths like shirts or pants and cut them into neat designs to decorate your new favorite pillows. This will spruce up your teen’s bedroom and give it a unique flair.

Visit open houses or model homes to get some ideas about your home improvement projects. You will get a feel for the latest color palettes and you can see how your home might look if you used some of the newest ideas. Lots of model homes hire professional decorators to completely furnish them so they are a great place to get good ideas.

If you decide to remodel your bathroom, it’s a good idea to make sure that it is handicap-accessible. It’s not necessary to fit all of the specialized equipment right away, but you can make preparations that will be very useful if you stick with the same house as you grow older. When the time comes to put your home on the market, these renovations can add value to your home.

You can now get started on a home improvement project of your choosing. While you perhaps already knew some of this, it is hoped that you did also learn something new or just freshly remembered something useful. You have to put these tips to use now.

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