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	<title>Assn of Women Home Owners</title>
	
	<link>http://www.hometips4women.com</link>
	<description>Home Tips For Women Home Owners</description>
	<lastBuildDate>Fri, 18 May 2012 15:38:23 +0000</lastBuildDate>
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		<title>Boston’s North Shore Design Show</title>
		<link>http://www.hometips4women.com/bostons-north-shore-design-show</link>
		<comments>http://www.hometips4women.com/bostons-north-shore-design-show#comments</comments>
		<pubDate>Fri, 18 May 2012 15:38:23 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Decorating & Organizing]]></category>
		<category><![CDATA[books instead of gadgets]]></category>
		<category><![CDATA[colors]]></category>
		<category><![CDATA[decorator design show]]></category>
		<category><![CDATA[dining room & library]]></category>
		<category><![CDATA[electronic books]]></category>
		<category><![CDATA[home design show]]></category>
		<category><![CDATA[home library]]></category>
		<category><![CDATA[North Shore Design Show]]></category>
		<category><![CDATA[rooms for reading]]></category>
		<category><![CDATA[rooms with no technology]]></category>
		<category><![CDATA[Wenham Museum]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=12265</guid>
		<description><![CDATA[You can watch HGTV &#8230; or you can visit one of the fabulous designer showcases in your local area. There are many great reasons for visiting a show like Boston&#8217;s North Shore Design Show at the Wenham Museum, in Wenham, Massachusetts. There&#8217;s something for everyone as each of us is an individual and we like [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/bostons-north-shore-design-show/designer-living-room-a4whoa" rel="attachment wp-att-12268"><img class="wp-image-12268 alignleft" title="designer show living room" src="http://www.hometips4women.com/wp-content/uploads/2012/05/designer-living-room-a4whoa.jpg" alt="designer show living room" width="250" height="207" /></a>You can watch HGTV &#8230; or you can visit one of the fabulous designer showcases in your local area. There are many <strong>great reasons for visiting a show like Boston&#8217;s North Shore Design Show at the Wenham Museum</strong>, in Wenham, Massachusetts.</p>
<p>There&#8217;s something for everyone as each of us is an individual and we like different things &#8211; colors, texture, lighting and flooring, furniture and accessories. Most of the furnishings are for sale although what I liked the most was the variety of wall treatments and attention to detail with wonderful wood trims so here are the details so you too can visit the show &#8230;</p>
<h4 style="text-align: center;">North Shore Design Show at the Wenham Museum<br />
Saturday, May 12 to Sunday, May 20, 2012 (<a title="Get information to visit North Shore interior decorator design show" href="http://www.wenhammuseum.org/northshoredesignshow.html" target="_blank">details here</a>)<span id="more-12265"></span></h4>
<p><strong>When visiting a designer show, you first want to consider it&#8217;s location as it&#8217;s space, location and mission will influence the designs</strong>. The North Shore Design Show is held each year at the Wenham Museum which celebrates the history of childhood and domestic life on Boston&#8217;s North Shore and I loved the doll houses! The 13 designers were asked to transform an 8-by-8 area into a favorite space inspired by the museum&#8217;s mission of North Shore life past and present.</p>
<p>The variety of rooms is amazing and one thing that struck me was how many books and bookcases there were in contrast to our lives today, full of electronics and far fewer books than lives lived just a generation back. Pause &#8230; as I sit back and reflect on the mood, <strong>the feelings of a bygone era where people really lived at home, where people sat and read or painted or puttered in the garden</strong>. It really highlights how our lives have changed and I wonder what we&#8217;re giving up as we move firmly into the electronic world surrounding us.</p>
<h2>Rooms for Reading and Relaxing</h2>
<p>What&#8217;s your favorite place to ready, and I&#8217;m not including reading at your computer because that means you&#8217;re sitting at some type of desk like I am right now (writing this has made me more aware of where I am). I&#8217;m still a huge fan of holding a real book although I can&#8217;t ignore the thousands of people who love their Kindles and Nooks, and I have downloaded books to my iPad for traveling. Check out these calm, relaxing rooms meant to create the feeling of a warm, cozy library where you can get lost in a great book &#8230;</p>
<p><a href="http://www.hometips4women.com/bostons-north-shore-design-show/dining-library-a4whog" rel="attachment wp-att-12295"><img class="alignright size-full wp-image-12295" title="dining room library with cozy bench seat" src="http://www.hometips4women.com/wp-content/uploads/2012/05/dining-library-a4whog.jpg" alt="dining room library with cozy bench seat" width="460" height="380" /></a>There are lots of lessons we can take away from this room. At first glance you think it&#8217;s a dining room but when you look closer, it&#8217;s also a library with a cozy bench seat for snuggling into a good book.</p>
<p><strong>As we rarely use our dining rooms with families scattered across the US, and the world, it makes a lot more sense to have your dining room take on 1 or 2 more roles that support your lifestyle today</strong>.</p>
<hr />
<p style="text-align: left;"><a href="http://www.hometips4women.com/bostons-north-shore-design-show/designer-living-room-a4whog" rel="attachment wp-att-12302"><img class="alignright size-full wp-image-12302" title="designer living room with books &amp; cozy fireplace " src="http://www.hometips4women.com/wp-content/uploads/2012/05/designer-living-room-a4whog.jpg" alt="designer living room with books &amp; cozy fireplace " width="460" height="380" /></a>My visit to the Wenham Museum for the North Shore Design Show is thanks to Camille Garro, of <a title="Visit Camille Garro's website to learn more about her design work" href="http://camillegarrointeriors.com/" target="_blank">Camille Garro Interiors</a>.  Her living room design feels like I&#8217;ve been transported to another era and more important, the room  inspires us to sit and relax with a book, soaking up the warmth of the room.</p>
<p style="text-align: left;">What&#8217;s intriguing is how the designs on Camille&#8217;s website <strong style="text-align: left;">are more contemporary, yet the rich red and earthy tones, coupled with natural materials like the leather chair, are the same.</strong></p>
<hr />
<p style="text-align: left;"><a href="http://www.hometips4women.com/bostons-north-shore-design-show/forest-reading-room-a4whog" rel="attachment wp-att-12307"><img class="alignright size-full wp-image-12307" title="bringing the outdoors inside with this magical forest reading room" src="http://www.hometips4women.com/wp-content/uploads/2012/05/forest-reading-room-a4whog.jpg" alt="bringing the outdoors inside with this magical forest reading room" width="460" height="380" /></a>This room is <strong>magical bringing the outdoors inside from the trees painted on the walls and ceiling</strong>, to the chair with a leaf print design.</p>
<p style="text-align: left;">In the northeast (the North Shore is north of Boston), winters are long and cold so we&#8217;re indoors for many months and tend to get cabin fever. The room comes alive with green, real (terrariums on the trees) and imagined, so we feel like we&#8217;re outside. This is especially nice when outside the windows, there&#8217;s a white snowy landscape.</p>
<hr />
<p>We&#8217;ve got more photos to share &#8211; rooms for hobbies, home offices and more, so check back soon. For now we want to acknowledge all the interior designers and the people who helped create this wonderful show.</p>
<p><a href="http://camillegarrointeriors.com/">Camille Garro Interiors</a><br />
<a href="http://carpentermacneille.com/">Carpenter &amp; MacNeille</a><br />
<a href="http://www.emhdesigninc.com/EMHDesignInc.com/About_Us.html">Eric M. Haydel Design</a><br />
Finn-Martens Design<br />
<a href="http://lwcinteriors.com/">Honey Collins Interiors</a><br />
<a href="http://moneillinteriors.com/home.html">Mary O&#8217;Neill Interior Design</a><br />
<a href="http://nightingalearts.com/">Nightingale Arts of Salem</a><br />
Sacris Design<br />
<a href="http://drawingroominteriordesign.com/common/index.php?com=DRAW&amp;div=AA&amp;nav=AA&amp;page=A91">The Drawing Room Interior Design</a><br />
<a href="http://thewalsinghamgallery.com/">The Walsingham Gallery</a><br />
<a href="http://timelessinteriorsonline.net/">Timeless Interiors</a><br />
Wilson Kelsey Design<br />
<a href="http://yvonneblacker.com/">Yvonne Blacker Interiors</a></p>
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		<title>Ceiling Fans Can Be Used Year-Round</title>
		<link>http://www.hometips4women.com/ceiling-fans-can-be-used-year-round</link>
		<comments>http://www.hometips4women.com/ceiling-fans-can-be-used-year-round#comments</comments>
		<pubDate>Wed, 16 May 2012 18:02:22 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Heating, Cooling & Ventilation]]></category>
		<category><![CDATA[Saving Energy]]></category>
		<category><![CDATA[air conditioning alternatives]]></category>
		<category><![CDATA[ceiling fans]]></category>
		<category><![CDATA[ceiling fans clockwise in winter]]></category>
		<category><![CDATA[ceiling fans counter-clockwise summer]]></category>
		<category><![CDATA[ceiling fans curculate air]]></category>
		<category><![CDATA[ceiling fans don't remove humidity]]></category>
		<category><![CDATA[ceiling fans for summer]]></category>
		<category><![CDATA[ceiling fans for winter]]></category>
		<category><![CDATA[ceiling fans save energy]]></category>
		<category><![CDATA[fans help evaporate sweat]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=12074</guid>
		<description><![CDATA[Ceiling fans serve many functions today, even with the increased use of air conditioners. Ceiling fans offer ventilation to help cool a room in summer, or warm the same room in winter &#8230; as long as you remember to change the direction the blades rotate. With many choices available today, ceiling fans are also a [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/ceiling-fans-can-be-used-year-round/ceiling-fan-living-room-a4whoa" rel="attachment wp-att-12075"><img class="size-full wp-image-12075 alignright" title="ceiling fans provide ventilation to cool &amp; warm rooms" src="http://www.hometips4women.com/wp-content/uploads/2012/05/ceiling-fan-living-room-a4whoa.jpg" alt="ceiling fans provide ventilation to cool &amp; warm rooms" width="250" height="207" /></a><strong>Ceiling fans serve many functions today, even with the increased use of air conditioners</strong>. Ceiling fans offer ventilation to help cool a room in summer, or warm the same room in winter &#8230; as long as you remember to change the direction the blades rotate. With many choices available today, ceiling fans are also a popular decorating feature in many living spaces, often combined with ceiling lighting.</p>
<p>Maybe you don&#8217;t have any ceiling fans in your existing home? Growing up in the northeast where it doesn&#8217;t get uncomfortably hot, ceiling fans haven&#8217;t been common &#8230; until recently with the new focus on energy efficiency. The question then is <strong>how much does a ceiling fan cost to run versus air conditioning?</strong><span id="more-12074"></span></p>
<h2>Fans vs Air Conditioning, a Cost Comparison</h2>
<p>In a typical house, air conditioning uses more electricity than anything else, typically 16% of your total electric bill. In warmer climates, your air conditioning use can increase up to 60 to 70% of your summer electric bill, so it pays to research alternative ways to cool your home.</p>
<p>Let&#8217;s start by looking at relative cost comparisons. As the cost of electricity varies based on where you live, the information is provided in terms of <strong>watts used per hour of operation for fans and air conditioners</strong> &#8230; and for fun, an average refrigerator.</p>
<p style="text-align: left;"><a href="http://www.hometips4women.com/ceiling-fans-can-be-used-year-round/fan-air-conditioner-watts-a4whoc" rel="attachment wp-att-12245"><img class="aligncenter size-full wp-image-12245" style="border: 0pt none;" title="fan versus air condioner energy usage &amp; cost" src="http://www.hometips4women.com/wp-content/uploads/2012/05/fan-air-conditioner-watts-a4whoc.jpg" alt="fan versus air condioner energy usage &amp; cost" width="600" height="181" /></a>Hopefully the &#8220;picture is worth a thousand words&#8221; makes this message really easy to understand. We don&#8217;t expect you to forego the benefits of air conditioning but we do want you to consider adding fans to your home. Think about the times when consider turning on the air conditioner but don&#8217;t because you realize it&#8217;s costly, or maybe you want to head downstairs to the controls in the family room.</p>
<h2 style="text-align: left;">What Fans Will and Won&#8217;t Do</h2>
<p><strong>Ceiling fans do not lower the temperature</strong> like air conditioning.</p>
<p><strong>Ceiling fans do not remove humidity from the air,</strong> they don&#8217;t work like air conditioners.</p>
<p>Ceiling fans cause the air in a room to be circulated &#8230; and this makes people feel four degrees cooler in the summer.</p>
<p>So now you&#8217;re wondering why I&#8217;m talking about fans?</p>
<p>Ceiling fans make you feel cooler by creating a wind chill effect similar to wind chill on a cold winter day, where the wind makes it feel colder than the air&#8217;s temperature. When a fan causes the air to circulate, <strong>the fan makes it easier for the air to evaporate sweat on your skin, and sweat is how your body eliminates heat</strong> &#8230; so the more evaporation, the cooler you feel.</p>
<h2>Why Fan Rotation Matters</h2>
<p>You want to buy ceiling fans that have a switch to reverse the rotation direction, and you need to switch directions twice a year. The biggest expense if you don&#8217;t already have ceiling fans in the rooms where you want them, is the installation.</p>
<ul>
<li><strong>During the summer, your ceiling fan needs to run counter-clockwise</strong> to provide cooling breezes by pulling cool air from the floor up to the ceiling.</li>
<li><strong>In the winter, you should switch the fan to run clockwise</strong> to circulate the warm air rising to the ceiling, back down to the floor where it will make you more comfortable.</li>
</ul>
<h2>Installing a Ceiling Fan</h2>
<p>Older homes often don&#8217;t have ceiling light fixtures so you&#8217;ll need to run electricity through the walls to the ceiling where you want the fan &#8212; this requires a licensed electrician, and the cost will likely exceed the cost of the fan. If you&#8217;ve got an existing light fixture, the power is there and <strong>you can swap the fan for the light fixture although you may need to add some extra support</strong> when the ceiling fan weighs more than the light fixture.</p>
<h4 style="text-align: center;">Watch for articles on other types of fans &#8211; whole house fans, swamp coolers, etc!</h4>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><strong><br />
</strong></p>
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		<title>Remodeling in 2011</title>
		<link>http://www.hometips4women.com/remodeling-in-2011</link>
		<comments>http://www.hometips4women.com/remodeling-in-2011#comments</comments>
		<pubDate>Tue, 15 May 2012 18:20:13 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Building or Remodeling]]></category>
		<category><![CDATA[Housing & Remodeling Trends]]></category>
		<category><![CDATA[Remodeling-Building]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=12083</guid>
		<description><![CDATA[In the current economic climate, many homeowners are worried about how they will sell their home. It&#8217;s a buyer&#8217;s market, and many homeowners aren&#8217;t prepared to lose a good chunk of their investment in their homes by selling at this time. Many are wondering, is it better to wait? Remodeling a home is a great [...]]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft" title="Sheetrock Remodel" src="http://syndicated.handymantips4you.com/files/2011/01/sheetrock-attic-remodel-added-space-a4who.jpg" alt="Sheetrock Remodel" width="214" height="250" />In the current economic climate, many homeowners are worried about how they will sell their home. It&#8217;s a buyer&#8217;s market, and many homeowners aren&#8217;t prepared to lose a good chunk of their investment in their homes by selling at this time. Many are wondering, is it better to wait?</p>
<p><strong>Remodeling a home is a great alternative to selling your existing home and moving. </strong>Remodeling means you get to remain in your community, the children don’t have to change schools. Your lives might be uprooted a bit during the actual remodeling project but afterward, you’re able to continue with the routines you love like walking the dog, bike rides and more.</p>
<p><strong>It pays to spend time researching and planning any remodeling project, big or small</strong>. With a well thought out design, plan a 10 to 20% contingency in your budget, things will go more smoothly. Know that it can be hard to budget for remodeling projects. Don&#8217;t be surprised if you find existing problems in the walls, and you might have to replace a window, insulation, or sheet rock unexpectedly.</p>
<p><strong></strong>Another planning tip is to review your planned project against the most popular, to<strong></strong> see if the improvements you are making will increase the value of your home. That’s where the annual <a title="Cost vs Value 2011 report" href="http://www.remodeling.hw.net/remodeling-market-data/about-the-report.aspx">Remodeling: Cost vs Value report (check out 2011)</a> from Remodeling Magazine can help. Home professionals like realtors and home appraisers can also give you input on the market value of your home after completing the remodeling project you’re planning. <span id="more-12083"></span></p>
<h3>Remodeling Trends in 2011</h3>
<p>With lower home prices, <strong>homeowners are focusing more on spending less to update their homes</strong>. 42% of homeowners think it&#8217;s a good time to remodel this year with replacements performing very well in resale value (cost-value ratio is an above-average 71.6%).</p>
<p>Here is a recap of 2011′s top remodeling trends for you to use in planning your remodel or home makeover. If you want more information, you can read <a title="Learn about the trend towards lower cost remodeling projects in 2011" href="http://www.hometips4women.com/new-remodeling-trends-for-2011">Remodeling Trends Focusing on Lower Costs.</a></p>
<ol>
<li><strong>Easily maintained materials are key. </strong>Homeowners are favoring smarter, smaller homes made with materials that are easy to clean and maintain. By investing in these high quality materials, you can save a great deal of money in the long run by not having to replace them.<strong><br />
</strong></li>
<li><strong>Implementing universal design principles</strong> in a subtle way increases the resale value of your home. Larger doorways and open floor plans that are wheelchair accessible will make your house marketable to a larger audience of buyers.</li>
<li><strong>Go Green</strong>. Sustainable materials are in and they&#8217;re here to stay! Always buy energy-efficient windows, lighting and appliances to save money every month and keep your home up to date.</li>
</ol>
<h3>Remodeling Tips for You</h3>
<p>Here are some planning tips to point you in the right direction. Every situation is unique so consider these as one input to your ultimate plans for your remodeling project.</p>
<ul>
<li><strong>Home maintenance</strong> should be your #1 priority, and should not be deferred. Unless it’s a freak storm, the first roof leak is when you start planning for the new roof as more repairs will only drive your costs up.</li>
<li>Focus on <strong>your family’s lifestyle and how a remodeling project will enhance your lives. </strong>A kitchen with more space for the kids to do their homework or a garage with a workshop are perfect if you use them frequently, and a money pit if you don&#8217;t.</li>
<li>When remodeling a home it’s all about planning. If you’re going to update your kitchen remodel in stages, <strong>plan the entire project first to guide you and insure all the pieces come together</strong>.</li>
</ul>
<p style="text-align: center;">Every home is different, so communicate with your family about what their needs are and decide together what kind of remodeling you&#8217;d like to do. Thanks for reading!</p>
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		<title>Why Utilities Give Poor Customer Service?</title>
		<link>http://www.hometips4women.com/why-utilities-offer-poor-customer-service</link>
		<comments>http://www.hometips4women.com/why-utilities-offer-poor-customer-service#comments</comments>
		<pubDate>Sat, 12 May 2012 20:31:42 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Customer Service]]></category>
		<category><![CDATA[Home Electronics]]></category>
		<category><![CDATA[DLS server failure]]></category>
		<category><![CDATA[Fairpoint Communications]]></category>
		<category><![CDATA[internet access]]></category>
		<category><![CDATA[internet modem]]></category>
		<category><![CDATA[internet outages]]></category>
		<category><![CDATA[modem failure]]></category>
		<category><![CDATA[modem won't initialize]]></category>
		<category><![CDATA[service technicians]]></category>
		<category><![CDATA[technology costs more than utilities]]></category>
		<category><![CDATA[utility performance]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=12043</guid>
		<description><![CDATA[When your family pet destroys something, you know it&#8217;s your responsibility and you have to fix it. When our puppy chewed through cable wires, we had to do it before watching TV again, so we didn&#8217;t waste much time replacing the cable. Our other dog chewed one leg on the dining room table ans we [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/why-utilities-offer-poor-customer-service/dog-chewing-cable-a4whoa" rel="attachment wp-att-12046"><img class="alignright size-full wp-image-12046" style="border: 0pt none;" title="pet damage you can repair at home" src="http://www.hometips4women.com/wp-content/uploads/2012/05/dog-chewing-cable-a4whoa.jpg" alt="pet damage you can repair at home" width="250" height="207" /></a><strong>When your family pet destroys something, you know it&#8217;s your responsibility and you have to fix it</strong>. When our puppy chewed through cable wires, we had to do it before watching TV again, so we didn&#8217;t waste much time replacing the cable. Our other dog chewed one leg on the dining room table ans we decided to live with the new design rather than replace the table.</p>
<p>My online business means I&#8217;m on the computer from about 6am into the wee hours most evenings, and that includes weekends. Our Internet access died yesterday afternoon and my husband is really good at trouble shooting. This story is real time, and my personal story<strong> dealing with Fairpoint Communications as they stall and delay sending a technician out to repair or replace our modem, and get us back online.</strong></p>
<p>The sad thing here is our phone and cable companies are monopolies so customer service is sketchy, as they don&#8217;t have competitors to keep them on their toes. Their recorded message when you call 800-240-5019 says &#8220;&#8230; for your convenience, we&#8217;re available 24 hours a day&#8221; only refers to someone answering your call. It&#8217;s probably good at calming down angry customers but it&#8217;s misleading!<span id="more-12043"></span></p>
<h2>Timeline for Internet Outage</h2>
<p>This article illustrates the frustration and poor customer service related to the loss of our Internet access in Hampton, NH beginning Friday, May 11, 2012.</p>
<ul>
<li>My husband found himself without Internet service around 3pm Friday. He called Fairpoint Communications and got a recording saying<strong> &#8220;&#8230; if you&#8217;re in NH, power your modem off and on</strong>&#8220;. This seems to indicate a broader failure affecting many Fairpoint customers.</li>
<li>After completing the modem power off, power on procedures &#8230; <strong>the modem had a red blinking light, the one that says &#8220;fail&#8221;</strong>. My husband reported the &#8220;blinking red light fail&#8221; problem around 4pm and they would schedule a service technician to come out to our home, but they wouldn&#8217;t come until Monday afternoon.</li>
<li>When my husband called me around 6pm to alert me to the Internet problem, I suggested he check on status and communicate the impact of the problem as we both work at home &#8230; and Saturday, I was told the <strong>problem was raised to &#8220;priority high&#8221;.</strong></li>
<li>Friday night I called when I got home, then again Saturday morning (twice, the second to get information for this article) and <strong>the troubling thing was, each time I got a very different story</strong> &#8211; problem opened around 7:30pm? problem assigned to repair department but they&#8217;re not allowed to give out estimated up times.</li>
<li>Around 11am Saturday, they called my husband&#8217;s cell phone to confirm the modem had power? That was a ridiculous discussion as the box needs power to have a blinking red light!</li>
<li>About 12:30pm, a technician arrived and Dave replaced the modem. Unfortunately <strong>they initialize the modem from the office but the process failed so we&#8217;re still offline</strong>. There was nothing else he could do, so Dave left for the next customer on his list of work orders.</li>
</ul>
<p><a href="http://www.hometips4women.com/why-utilities-offer-poor-customer-service/internet-modem-a4whoc" rel="attachment wp-att-12067"><img class="aligncenter size-full wp-image-12067" title="getting internet modem fixed is challenging" src="http://www.hometips4women.com/wp-content/uploads/2012/05/internet-modem-a4whoc.jpg" alt="getting internet modem fixed is challenging" width="600" height="185" /></a></p>
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		<title>Green Living Alternatives: Your Home Can Be Green AND Gorgeous!</title>
		<link>http://www.hometips4women.com/finding-green-living-alternatives-your-home-be-green-and-gorgeous</link>
		<comments>http://www.hometips4women.com/finding-green-living-alternatives-your-home-be-green-and-gorgeous#comments</comments>
		<pubDate>Sat, 12 May 2012 03:29:24 +0000</pubDate>
		<dc:creator>rachel winokur</dc:creator>
				<category><![CDATA[Architecture & Interior Design]]></category>
		<category><![CDATA[Art for Your Home]]></category>
		<category><![CDATA[Going Green]]></category>
		<category><![CDATA[Home Electronics]]></category>
		<category><![CDATA[Home Professionals]]></category>
		<category><![CDATA[eco-friendly furniture]]></category>
		<category><![CDATA[eco-friendly interior design]]></category>
		<category><![CDATA[expert interior design ideas]]></category>
		<category><![CDATA[green furnishings]]></category>
		<category><![CDATA[green interior design]]></category>
		<category><![CDATA[green living]]></category>
		<category><![CDATA[home decorating]]></category>
		<category><![CDATA[interior designer]]></category>
		<category><![CDATA[recycling materials]]></category>
		<category><![CDATA[using green materials]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=12009</guid>
		<description><![CDATA[Of course it can! Since today there are plenty of amazing eco resources fitting a range of budgets and styles, it&#8217;s easy to incorporate green design into any interior design project. You only have to take a look at HGTV&#8217;s Green Home  to see how effective and beautiful green living can be. Many of my [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/finding-green-living-alternatives-your-home-be-green-and-gorgeous/etta-designs" rel="attachment wp-att-12010"><img class="alignleft  wp-image-12010" title="etta designs" src="http://www.hometips4women.com/wp-content/uploads/2012/05/etta-designs.jpg" alt="" width="186" height="254" /></a>Of course it can! Since today there are plenty of amazing eco resources fitting a range of budgets and styles, <strong>it&#8217;s easy to incorporate green design into any interior design project</strong>. You only have to take a look at HGTV&#8217;s Green Home  to see how effective and beautiful green living can be.</p>
<p>Many of my clients want the satisfaction of living in a fantastic looking, functional, comfortable and healthy home that they also know is<strong> </strong>eco friendly. Because I also have a passion and commitment to green design, I have found ways to accomplish this goal without compromising budget, aesthetic or schedule.</p>
<p>Here are just a few examples of how green can be gorgeous from some of my recent client experiences:<span id="more-12009"></span></p>
<ul>
<li><strong>Slab countertops that are created from recycled marble</strong> are a really lovely alternative that people rave about &#8211; the material is different, eco-friendly, and really beautiful. For examples, go to <a href="http://www.eurostoneinc.com/toscana.shtml" target="_blank">http://www.eurostoneinc.com/toscana.sht</a><em></em></li>
</ul>
<ul>
<li><strong>An eco-friendly pendant light made from recycled beverage bottles</strong> became the light of choice for clients wanted an eye-catching bar. Several of these lights would be perfect over a kitchen countertop too. See <a href="http://store.bottlehood.com/wine-bottle-light-from-1-5-liter-bottle-pendant-with-plug/" target="_blank">http://store.bottlehood.com/wine-bottle-light-from-1-5-liter-bottle-pendant-with-plug/</a> <em></em></li>
</ul>
<ul>
<li>Recently I used a remarkable high quality fabric for a client&#8217;s curtains and wall covering. The<strong> fabric is hand- made, hand dyed, 100% woven silk and is weaved in cooperatives in developing countries</strong> by master artisans, and addresses four aspects of sustainability: economic, cultural, environmental and social. What this company stands for is pretty amazing as is their remarkably beautiful fabric. <a href="http://www.lulan.com/store/lulan-home.html" target="_blank">http://www.lulan.com/store/lulan-home.html</a><a href="http://www.hometips4women.com/finding-green-living-alternatives-your-home-be-green-and-gorgeous/recycled-bottle-pendant-light" rel="attachment wp-att-12018"><img class="alignright  wp-image-12018" style="border: 0pt none;" title="recycled bottle pendant light" src="http://www.hometips4women.com/wp-content/uploads/2012/05/recycled-bottle-pendant-light-272x300.jpg" alt="" width="206" height="227" /></a></li>
</ul>
<ul>
<li>Another outstanding and affordable green option, in this case for sofas, comes from <a href="http://greensofas.com/501.html" target="_blank">http://greensofas.com/501.html</a>, where all aspects of t<strong>he sofa from frame, springs, cushions, adhesives and fabrics are based on eco-friendly resources and techniques</strong>.</li>
</ul>
<p>One thing I have learned in my experience working with green interior design is that there are several ways to have a comfortable, responsible and beautiful green home. Equally important is that these <strong>eco-friendly design options are available across all design styles</strong> from traditional to ultra modern.</p>
<p>Of course, many of the products I mention above are in my geographic area of Los Angeles, but I encourage you to investigate the available green alternatives in your community. Whether you choose recycled, sustainable, socially conscious, healthy and/or energy saving products, there are a multitude of choices than can be stunning, affordable, innovative and just perfect for your space.</p>
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		<title>Home Maintenance Strategies: Which One is Right for You?</title>
		<link>http://www.hometips4women.com/home-maintenance-strategies-which-one-is-right-for-you</link>
		<comments>http://www.hometips4women.com/home-maintenance-strategies-which-one-is-right-for-you#comments</comments>
		<pubDate>Tue, 08 May 2012 18:32:26 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Home Maintenance / Repairs]]></category>
		<category><![CDATA[Home Owner Checklists]]></category>
		<category><![CDATA[Seasonal & Holiday Checklists]]></category>
		<category><![CDATA[Seasonal Home Maintenance]]></category>
		<category><![CDATA[Tips for Women Homeowners]]></category>
		<category><![CDATA[do it yourself home maintenance]]></category>
		<category><![CDATA[fall homeowner checklist]]></category>
		<category><![CDATA[getting organized]]></category>
		<category><![CDATA[handyman for home maintenance]]></category>
		<category><![CDATA[Home Maintenance]]></category>
		<category><![CDATA[home maintenance checklists]]></category>
		<category><![CDATA[home safety]]></category>
		<category><![CDATA[house maintenance]]></category>
		<category><![CDATA[seasonal checklist]]></category>
		<category><![CDATA[seasonal checklist for the home]]></category>
		<category><![CDATA[seasonal maintenance]]></category>
		<category><![CDATA[spring maintenance checklist]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=11936</guid>
		<description><![CDATA[Home maintenance isn&#8217;t fun for most homeowners, but rather a necessity to keep your family safe and protect this huge financial investment. As people prefer to follow routine, building (chuckle) home maintenance into your family routine is the best way to protect your home and save money, so you can make small, incremental upgrades to [...]]]></description>
			<content:encoded><![CDATA[<p><strong></strong><a href="http://www.hometips4women.com/home-maintenance-strategies-which-one-is-right-for-you/house-hand-a4whoa" rel="attachment wp-att-11984"><img class=" wp-image-11984 alignleft" style="border: 0pt none;" title="house-hand-a4whoa" src="http://www.hometips4women.com/wp-content/uploads/2012/05/house-hand-a4whoa.jpg" alt="house in hand" width="229" height="229" /></a><strong>Home maintenance isn&#8217;t fun for most homeowners</strong>, but rather a necessity to keep your family safe and protect this huge financial investment. As people prefer to follow routine, <strong>building (chuckle) home maintenance into your family routine is the best way to protect your home and save money, so you can make small, incremental upgrades to support your lifestyle.</strong></p>
<p>Wouldn&#8217;t it be great if you got a book when you bought your house, telling you what home maintenance chores needed to be done each month, along with directions on how to do it or who to call? Unfortunately <strong>houses don&#8217;t come with a home maintenance book like you get when you buy a car</strong> &#8230; so too often, homeowners ignore problems until there&#8217;s significant damage like &#8220;it&#8217;s raining in the upstairs hallway&#8221; and repair costs are much larger than the preventative  maintenance would have been. <span id="more-11936"></span></p>
<p>Running my handyman business, I&#8217;ve talked to hundreds of homeowners over the years and learned about a variety of home maintenance strategies. If you&#8217;re not ready to commit to twice or 4 times a year, routine maintenance &#8230; my goal is to have you pick any strategy as long as it&#8217;s not &#8220;waiting &#8217;till it breaks&#8221;.</p>
<h2><strong>Event Driven Home Maintenance</strong></h2>
<p>We all live very busy lives, and tend to move from one family event to planning the next event like an annual Memorial Day picnic. Many home owners do the majority (anything except fixing what breaks and can&#8217;t be ignored any longer) of their home maintenance to prepare for a lifestyle event. The problems with waiting for these events, is you&#8217;re letting hidden problems get worse and the repairs will cost you more.</p>
<ul>
<li><strong>Preparing your home for sale</strong> before you list your home, or after the buyer has their home inspection.</li>
<li><strong>Right after you move into your new home</strong>, generally for 6 months to a year, is when a majority of home maintenance and minor updates are made.</li>
<li><strong>When something breaks or you find a leak</strong>, i.e. stains on your ceiling or sparks coming from a light switch.</li>
<li><strong>Family events like a wedding, visitors from overseas or special company</strong> like meeting your future daughter-in-laws parents.</li>
</ul>
<h2><strong>Schedule Driven Home Maintenance</strong></h2>
<p>My preferred approach to home maintenance is to set aside one weekend each quarter, to tackle home maintenance chores. It&#8217;s best to pick the task you are comfortable doing and have the tools/skills to get them done efficiently. You&#8217;ll save money and have more peace of mind if you find a reliable handyman to come onece or twice a year to handle the other items, so they get done but you don&#8217;t have to agonize over getting on a ladder, on the roof or whatever you&#8217;re not comfortable doing around your house.</p>
<ul>
<li><strong>Quarterly, seasonal maintenance checklists</strong> are great because it lets you focus on exterior maintenance in the spring (cleaning up after winter storms) and fall (getting ready for winter) and interior home maintenance in winter (preparing for holiday gatherings) and summer.</li>
</ul>
<p class="feature"><strong>Check out our seasonal checklists</strong> (<a href="http://www.hometips4women.com/spring-into-action-maintenance-checklist">Spring into Action Maintenance Checklist</a>, <a href="http://www.hometips4women.com/summer-home-maintenance-checklist">Summer Home Maintenance Checklist</a>, <a href="http://www.hometips4women.com/fall-leaves-and-home-maintenance">Fall Leaves and Home Maintenance</a>, <a href="http://www.hometips4women.com/checklist-to-stay-comfortable-this-winter">Home Maintenance to Stay Comfortable This Winter)</a> to help you keep your home in good condition.</p>
<ul>
<li><strong>Monthly checklists are a variation on the seasonal checklists</strong>, broken down to smaller lists, i.e. 1 day (not the entire weekend) each month versus dedicating a full weekend each quarter to home maintenance.</li>
<li><strong>Room-by-room checklists,</strong> i.e. attic when putting holiday decorations away, can be more rewarding for homeowners who like the visual feedback that one room is done and they can check it off their list until next year.</li>
</ul>
<h2><strong>Project Driven Home Maintenance</strong></h2>
<p><strong>Some homeowners know it&#8217;s important to set aside 1 to 2% of their home&#8217;s value each year, for maintenance and home upgrades</strong>. It&#8217;s far easier to deal with a roof that&#8217;s reached it&#8217;s end of life when you know you&#8217;ve got the money in the bank. It&#8217;s difficult hearing about a friend who&#8217;s 75 year old boiler fails in January, and risks more damage with frozen pipes, while searching for financing to pay for a new boiler.</p>
<p>A friend of mine tackles one big project each year &#8211; new windows to save heating and cooling costs, followed by new living/dining room flooring and she&#8217;s still planning her kitchen remodel. Knowing what her upcoming projects are helps her prioritize the smaller, routine maintenance chores. Here are other typical projects my handyman business has helped homeowners with:</p>
<ul>
<li><strong>Painting 1-2 rooms each year</strong> (do-it-yourself homeowners), and replacing windows on the same schedule (my handyman technicians).</li>
<li><strong>Updating a bathroom</strong> which can be done all at once, or broken down into several smaller projects to fit the budget but create the master design first.</li>
<li><strong>Creating a new activity space</strong>, like a home office, is one of the most rewarding home projects so start dreaming, then prioritize and create that new space.</li>
</ul>
<p>&nbsp;</p>
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		<title>Condo Financing Comes with BIG Penalty</title>
		<link>http://www.hometips4women.com/condo-financing-comes-with-big-penalty</link>
		<comments>http://www.hometips4women.com/condo-financing-comes-with-big-penalty#comments</comments>
		<pubDate>Sat, 05 May 2012 17:22:37 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Financing a House]]></category>
		<category><![CDATA[condo financing penalty]]></category>
		<category><![CDATA[condo tax]]></category>
		<category><![CDATA[condo versus house]]></category>
		<category><![CDATA[effective APR]]></category>
		<category><![CDATA[financing a house]]></category>
		<category><![CDATA[getting a mortgage]]></category>
		<category><![CDATA[HOA]]></category>
		<category><![CDATA[home owner association]]></category>
		<category><![CDATA[mortgage cost breakdown]]></category>
		<category><![CDATA[refinancing a home]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=11868</guid>
		<description><![CDATA[Are you getting offers to refinance your home again? The floodgates have opened because the standoff between financial institutions and the government agencies (that&#8217;s you and me) who back mortgages, have reached a compromise. Do you realize the banks take NO risk when they give you a mortgage, i.e. they&#8217;re just paper pushers. Mortgage lenders [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/condo-financing-comes-with-big-penalty/mortgage-paperwork-a4whoa" rel="attachment wp-att-11870"><img class="alignright size-full wp-image-11870" title="mortgage paperwork to buy or refinance home" src="http://www.hometips4women.com/wp-content/uploads/2012/05/mortgage-paperwork-a4whoa.jpg" alt="mortgage paperwork to buy or refinance home" width="250" height="207" /></a>Are you getting <strong>offers to refinance your home again?</strong> The floodgates have opened because the standoff between financial institutions and the government agencies (that&#8217;s you and me) who back mortgages, have reached a compromise. Do you realize the banks take NO risk when they give you a mortgage, i.e. they&#8217;re just paper pushers.</p>
<p>Mortgage lenders like Fannie Mae and Freddie Mac, who back mortgages have declared war on condominiums. Instead of signing paperwork for our closing this morning, I got a message from GMAC yesterday saying <strong>today&#8217;s closing is delayed because underwriting declared we own a condo and that means we have to pay more fees</strong>! Lousy sales pitch too. The message said our rate won&#8217;t change, we just have to pay another half point origination fee, and that&#8217;s a really dumb idea so let me explain what&#8217;s going on and what your options are.</p>
<p>Note: <strong>This is my personal story.</strong> I&#8217;m sharing personal facts and what I&#8217;ve learned researching the problem and I&#8217;ve owned more than 10 homes.  My only involvement in real estate is as a homeowner.</p>
<p><span id="more-11868"></span></p>
<p>I&#8217;ve watched the US financial industry rape America and been frustrated that Active Rain, a wonderful online community of 200,000 plus members involved in real estate, hasn&#8217;t spoken out more. Our government is slow to respond and seems hopelessly mired in political agendas controlled by corporate America, as they finance campaigns.</p>
<h2>The Condo Financing Penalty</h2>
<p>According to this Mortgage Rates Report article, <a title="Learn why condomium financing costs more" href="http://delmar.typepad.com/brianbrady/2009/03/condo-mortgages-seen-as-risky-and-will-cost-more-april-1-2009.html" target="_blank">Condo Mortgages Seen As &#8220;Risky&#8221; and Will Cost More April 1, 2009</a> (recommend you check for specifics for where you live, and the current year as things change constantly):</p>
<ul>
<li>If you are financing (buying or refinancing) a <strong>condominium with less than 25% equity, you will get hit with an &#8220;add-on penalty&#8221; simply because it&#8217;s a condo</strong>, and not a traditional, stand-alone home.</li>
<li>Borrowing from a quote in the article above, &#8220;&#8230; some of the loan categories and credit risk combinations &#8230; default at four to eight times the rate of other mortgages &#8230; We have to manage these risks appropriately, and that means pricing them based on the probability of higher losses.&#8221;</li>
<li>This risk-based pricing gets applied to condominiums because of the added layer of the Home Owners Association (HOA). <strong>With a condo, you own your unit and have the right to use common areas which are maintained by monthly condo fee</strong>s paid to the Home Owners Association.</li>
</ul>
<h4 class="feature" style="text-align: center;">My condex is 2 units, and there are no condo fees &#8230; so no risk!<br />
A simple solution would be put HOA fees into escrow with taxes and insurance!</h4>
<p>The condo penalty is significant. If you were buying a $400,000 condominium, you&#8217;d have to put down 25% or $100,000 to avoid the penalty. Otherwise you could be hit with an extra fee at closing of .75% fee or &#8230; $2,250 for a $300,000 condo mortgage.</p>
<h2>Avoiding the Condo Financing Penalty</h2>
<p>So let&#8217;s go back to the message the GMAC salesperson left, and yes you need to understand these are sales people who want to process as many loans as possible because their pay is likely tied to performance. Scratching your head?</p>
<ul>
<li><strong>My GMAC salesperson said</strong> essentially &#8220;&#8230; we can&#8217;t close tomorrow because the underwriters came back and said you have a condo so you&#8217;ll have to pay an extra half point at closing, but don&#8217;t worry, your mortgage rate isn&#8217;t changing.&#8221;</li>
<li><strong>A mortgage consultant would have said</strong>, the underwriters (Fannie or Freddie) have determined your home is a condo so there&#8217;s an extra half point required at closing. Let&#8217;s talk Monday as there are some options you might prefer!</li>
</ul>
<div>
<p>Most homeowners would have gotten angry but realizing you&#8217;re still going to save a bundle by refinancing, they would go ahead and pay the extra fee, never knowing there are alternatives. Here are the first 2 that came to mind immediately (and hopefully others will add comments below to provide you with more options.</p>
<ul>
<li>Mortgage financing is a combination of points paid at closing and the mortgage interest rate. The <a title="learn more about the APR at Wickipedia" href="http://en.wikipedia.org/wiki/Annual_percentage_rate" target="_blank">APR,</a> or really the<strong> effective APR (Annual Percentage Rate) combines loan origination fees, service charges and mortgage rate to tell you what you&#8217;re really paying! </strong></li>
<li>You can usually lower your monthly mortgage rate (and payment) by paying higher loan origination fees at closing. Alternatively, you can lower your closing costs by rolling loan original fees into your mortgage rate, which results in a higher mortgage rate and higher monthly payments. If you only expect to remain in your home for 5 years, it&#8217;s cheaper to roll this extra payment into the mortgage.</li>
<li><strong>If you have substantial equity in your home, and you can stretch to bring your equity to 25%, then the condo penalty should go away</strong> but I&#8217;ll have to wait for my discussion with GMAC on Monday (they were the ones pushing for a Saturday closing).</li>
<li><strong>Another way to avoid the condo penalty is to get an FHA or VA loan</strong>. They aren&#8217;t available for all condos because the HOA must jump through hoops to qualify, which involves demonstrating that they&#8217;ve maintained the common areas properly and have the funding to continue this to protect property values (actually more complicated but you get the idea).</li>
</ul>
</div>
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		<title>Technology Spending Exceeds Utility Bills</title>
		<link>http://www.hometips4women.com/technology-spending-exceeds-utility-bills</link>
		<comments>http://www.hometips4women.com/technology-spending-exceeds-utility-bills#comments</comments>
		<pubDate>Wed, 02 May 2012 11:24:52 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Home Electronics]]></category>
		<category><![CDATA[cable television costs]]></category>
		<category><![CDATA[cell phone costs]]></category>
		<category><![CDATA[cloud services]]></category>
		<category><![CDATA[consumer devices]]></category>
		<category><![CDATA[entertainment technology costs]]></category>
		<category><![CDATA[home computers]]></category>
		<category><![CDATA[home technology costs]]></category>
		<category><![CDATA[Internet costs]]></category>
		<category><![CDATA[Internet services]]></category>
		<category><![CDATA[monthly technology costs]]></category>
		<category><![CDATA[technology vs utility costs]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=11817</guid>
		<description><![CDATA[Americans love their technology so much that we&#8217;re now spending more money on technology than traditional utilities which include our lights, hot water, heating and cooling. How is that possible? When television came onto the market, there was one TV per household and now haw many TVs do you have in your home? At first [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/technology-spending-exceeds-utility-bills/technology-grandpa-a4whoa" rel="attachment wp-att-11821"><img class="alignleft size-full wp-image-11821" title="technology used in everyone's home including seniors" src="http://www.hometips4women.com/wp-content/uploads/2012/05/technology-grandpa-a4whoa.jpg" alt="technology used in everyone's home including seniors" width="250" height="207" /></a>Americans love their technology so much that <strong>we&#8217;re now spending more money on technology than traditional utilities</strong> which include our lights, hot water, heating and cooling. How is that possible?</p>
<p>When television came onto the market, there was one TV per household and now haw many TVs do you have in your home? At first we had one share computer per family. Now we&#8217;ve got 1 computer per family member and often, and often an extra shared computer. Combine computers with smart phones and other electronic &#8220;must have&#8221; devices and the numbers are staggering.</p>
<p><strong>The average couple has 7 devices and a family of 4, 11 pieces of technology</strong> according to iYogi Insights, a consumer research group. As we focus on reducing tradition energy usage, it seems like it&#8217;s also time to explore the costs associated with our home based,  consumer technology.<span id="more-11817"></span></p>
<h2>Buyer Beware of Home Technology Costs</h2>
<p><strong>You focus on technology costs when you buy a new computer, printer or smart phone. In reality it&#8217;s the ongoing costs you don&#8217;t focus on that really add up</strong>. For manufacturers, it&#8217;s all about smart packaging and printers are a great example &#8211; their profit is in the ink!</p>
<p><a href="http://www.hometips4women.com/technology-spending-exceeds-utility-bills/hp-printer-cartridgesa4whoa" rel="attachment wp-att-11824"><img class="alignright size-full wp-image-11824" title="printer cartridges cost more than printer" src="http://www.hometips4women.com/wp-content/uploads/2012/05/hp-printer-cartridgesa4whoa.jpg" alt="printer cartridges cost more than printer" width="250" height="167" /></a>You think you&#8217;re getting a great deal when you wait to buy your printer on sale. Prices range from $150 to $350, so saving a hundred dollars is a great deal. Not really. They should give away the printers because you&#8217;re going to pay 5, 10 or more times the printer cost with the price of ink cartridges.</p>
<p>Can you tell I&#8217;m not happy with my HP Photosmart C6180 All in One printer? It has 6 colors cartridges (magenta, pink, cyan, sky blue, yellow and black) and uses all of them even if I&#8217;m only printing black! We thought we&#8217;d save money only replacing one color at a time. Then we fell for the packaging and bought all the colors to save money, a really stupid decision but we&#8217;re learning. There are 4 sky blue cartridges and 2 pink ones sitting in my drawer, and the ridiculous thing now is I have to constantly override the printer telling me I&#8217;m using expired ink which negates my printer warranty &#8230; and did I forget to mention that one full set of cartridges can cost more than the printer?</p>
<h2>Adding Up Home Technology Costs</h2>
<p><strong>Technology costs include both one time charges like the purchase of a computer, smart phone and applications and ongoing costs like connecting to the Internet</strong> and cloud services like Carbonite&#8217;s file backup services. The numbers are staggering and maybe it&#8217;s because we don&#8217;t look at the total cost but <a title="iYogi research into technology spending by consumers" href="http://insights.iyogi.com/key-finding.html" target="_blank">iYogi.com</a> has done some detailed research into consumer spending on technology.</p>
<p style="text-align: center;"><a href="http://www.hometips4women.com/technology-spending-exceeds-utility-bills/technology-spending-a4whoc" rel="attachment wp-att-11818"><img class="aligncenter size-full wp-image-11818" title="technology spending at home soaring" src="http://www.hometips4women.com/wp-content/uploads/2012/05/technology-spending-a4whoc.jpg" alt="technology spending at home soaring" width="600" height="197" /></a></p>
<p style="text-align: left;">For now let&#8217;s just look at the typical technology costs for an average family that&#8217;s plugged in.</p>
<p style="text-align: left;"><strong>Consumer devices purchased can appear to be your biggest cost</strong> but I remember our first personal computer, and how the boxes kept arriving for months after with all sorts of software (before today&#8217;s downloads were so easy, you got your applications on disk and had to insert them the computer to install).</p>
<ul>
<li>Desktop computer</li>
<li>Laptop computers</li>
<li>Televisions because they&#8217;re not digital</li>
<li>Tablets like the Apple iPad and eReaders, like Barnes &amp; Noble&#8217;s Nook</li>
<li>Electronic game hardware like the Xbox and Wii</li>
<li>Smart phones or maybe you&#8217;ve still got basic cell phones</li>
<li>&#8230; and let&#8217;s not forget the printers.</li>
</ul>
<p><strong>Running on these devices are all sorts of software and applications</strong> like the operating system, a browser, etc. While some of this software comes bundled with the device and lots more is available free, we ultimately pay for someone&#8217;s investment to create the software.</p>
<ul>
<li>Operating systems like Windows</li>
<li>Home office software like Microsoft Office</li>
<li>Specialty software like Adobe for photographers</li>
<li>Entertainment software, i.e. games, books and music</li>
<li>&#8230; and smart applications for your phone, i.e. love my GPS.</li>
</ul>
<p>The funniest smart phone application I&#8217;ve heard of is &#8220;<a title="Learn where to find a bathroom while on the go" href="https://www.sitorsquat.com/" target="_blank">Sit or Squat</a>&#8221; which helps you find the closest bathroom when you&#8217;re out and about. Too funny as they need to verify your age, so they ask &#8220;We need to confirm that you&#8217;ve been potty trained!&#8221;</p>
<p><strong>Connecting your technology devices to the Internet is the real expense in your family&#8217;s budget</strong> because these are costs you pay month after month, forever.</p>
<ul>
<li><strong>Cable television</strong> and we&#8217;re all subsidizing professional sports even if you don&#8217;t watch a game.</li>
<li>Traditional land lines are now being replaced by cell phones, or regular <strong>phones connected by VOIP like Vonage</strong>.</li>
<li><strong>Cell phone plans + data + text + whatever they dream up next</strong> &#8230; and we could all write a book about trying to avoid these scams.</li>
<li><strong>Internet service providers (ISPs)</strong> which connect your home, office, restaurants and the world to the Internet.</li>
<li><strong>Subscription services like Carbonite to back up your files online</strong>, are fairly new but they will quickly add up to big bucks added to your household budget.</li>
</ul>
<p>&nbsp;</p>
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		<title>Window Ideas That Let The Sun Shine In</title>
		<link>http://www.hometips4women.com/window-ideas-that-let-the-sun-shine-in</link>
		<comments>http://www.hometips4women.com/window-ideas-that-let-the-sun-shine-in#comments</comments>
		<pubDate>Sun, 29 Apr 2012 02:05:04 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Lighting & Window Treatments]]></category>
		<category><![CDATA[Windows & Doors]]></category>
		<category><![CDATA[energy efficient windows]]></category>
		<category><![CDATA[fixed pane windows]]></category>
		<category><![CDATA[picture windows]]></category>
		<category><![CDATA[skiylights in kitchens]]></category>
		<category><![CDATA[skylights]]></category>
		<category><![CDATA[skylights for natural lighting]]></category>
		<category><![CDATA[sun tunnel for bathrooms]]></category>
		<category><![CDATA[sun tunnels for closets]]></category>
		<category><![CDATA[transom windows]]></category>
		<category><![CDATA[transom windows for natural lighting]]></category>
		<category><![CDATA[window choices]]></category>
		<category><![CDATA[window design]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=11786</guid>
		<description><![CDATA[Windows have gotten lots of attention over the last few years. The emphasis has been on upgrading windows for energy efficiency so now it&#8217;s time to step back now and look at the emotional side of picking the right windows for your home, and that includes changing your existing windows. As people stay in their [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/window-ideas-that-let-the-sun-shine-in/5-styles-windows-view-a4whoa" rel="attachment wp-att-11793"><img class="alignright size-full wp-image-11793" title="creative windows decorate &amp; invite natural lighting" src="http://www.hometips4women.com/wp-content/uploads/2012/04/5-styles-windows-view-a4whoa.jpg" alt="creative windows decorate &amp; invite natural lighting" width="250" height="207" /></a>Windows have gotten lots of attention over the last few years. The<strong> emphasis has been on upgrading windows for energy efficiency so now it&#8217;s time to step back now and look at the emotional side of picking the right windows for your home</strong>, and that includes changing your existing windows.</p>
<p><strong>As people stay in their homes longer, you want to look for projects to update your home&#8217;s best features</strong>. You&#8217;ll enjoy your home more, your home will be more attractive when it&#8217;s time to sell and with the right research and budgeting, you can recoup part of your investment when selling so let&#8217;s look at window styles that give us more natural light, as any people are affected by sunlight (or the lack of natural light).<span id="more-11786"></span></p>
<h2>Window Design Creativity</h2>
<p>Windows are a big decision when designing and building a house. <strong>It&#8217;s important to consider how different windows will look outside your home</strong>, i.e. so that each side of your home presents an integrated look and feel. This can be more challenging when adding an addition or changing just one room in your house but don&#8217;t despair.</p>
<p>At the same time, <strong>it&#8217;s perfectly okay to mix and match different window styles</strong> like the photo which shows 5 different window styles that all work together in this Victorian home. The windows on the first floor are wide with integrated grill work. The second floor has tall, narrow double hung windows and sitting above them are dormers with triangle windows.</p>
<h2>Windows that Add More Natural Sunlight</h2>
<p><strong>Transom windows are windows that sit above the beam or crosspiece separating a door or window below it</strong>. Earlier transom windows could be opened to provide cross-ventilation before air conditioning became common. They were high and small enough to maintain  security and privacy in apartment buildings and office buildings. Transom windows are one of my favorite window styles because they let you catch more light as the sun rises or sets so if you have high ceilings and feel like your rooms are too dark, this is a great approach to bringing more light into your home.</p>
<p><a href="http://www.hometips4women.com/window-ideas-that-let-the-sun-shine-in/special-windows-a4whoc" rel="attachment wp-att-11792"><img class="aligncenter size-full wp-image-11792" title="special windows to add more natural lighting" src="http://www.hometips4women.com/wp-content/uploads/2012/04/special-windows-a4whoc.jpg" alt="special windows to add more natural lighting" width="600" height="185" /></a></p>
<p>The original picture has been around since the 1950s. <strong>The large, fixed pane &#8220;picture window&#8221; is still popular in living rooms and dining rooms. </strong>When creating a wall of glass, you can get creative in combining different types of glass doors and windows, some opening and others fixed pane to cut costs. When designing a wall like this, don&#8217;t forget to consider your window coverings as they can help integrate your various window choices to create a seamless design.</p>
<p><strong>Skylights are a perfect solution to adding natural lighting to kitchens and bathrooms where there is very little wall space</strong> available for windows. The kitchen skylight here was added when the kitchen was updated, and a second skylight was added over the staircase near the front door. Velux, the leading skylight manufacturer, has created a <a title="Check out the Velux sun tunnel" href="http://www.veluxusa.com/consumer/products/sun_tunnel_skylights" target="_blank">smaller sun tunnel product</a> for bathrooms which might be overpowered by a skylight.</p>
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		<title>Design-Build Can Save You Money</title>
		<link>http://www.hometips4women.com/design-build-can-save-you-money</link>
		<comments>http://www.hometips4women.com/design-build-can-save-you-money#comments</comments>
		<pubDate>Wed, 25 Apr 2012 15:47:58 +0000</pubDate>
		<dc:creator>tinagleisner</dc:creator>
				<category><![CDATA[Remodeling-Building]]></category>
		<category><![CDATA[architects]]></category>
		<category><![CDATA[builders]]></category>
		<category><![CDATA[construction]]></category>
		<category><![CDATA[cost effective home design]]></category>
		<category><![CDATA[design build]]></category>
		<category><![CDATA[design-build teams]]></category>
		<category><![CDATA[pick design-build company]]></category>
		<category><![CDATA[picking builder]]></category>
		<category><![CDATA[picking your remodeler]]></category>
		<category><![CDATA[remodelers]]></category>
		<category><![CDATA[remodeling project manager]]></category>

		<guid isPermaLink="false">http://www.hometips4women.com/?p=11689</guid>
		<description><![CDATA[Unless you&#8217;re involved in the construction industry, chances are you don&#8217;t know what a design-build company does &#8230; and you&#8217;re not alone. Friends invariably call to ask what &#8220;design-build&#8221; means? They want my advice on working with a design-build firm and my answer is almost always yes, unless the project scope is too small or [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.hometips4women.com/design-build-can-save-you-money/concrete-door-cut-a4whoa" rel="attachment wp-att-11690"><img class="alignleft size-full wp-image-11690" title="concrete foundation cutaway for door" src="http://www.hometips4women.com/wp-content/uploads/2012/04/concrete-door-cut-a4whoa.jpg" alt="concrete foundation cutaway for door" width="250" height="207" /></a><strong>Unless you&#8217;re involved in the construction industry, chances are you don&#8217;t know what a design-build company doe</strong>s &#8230; and you&#8217;re not alone. Friends invariably call to ask what &#8220;design-build&#8221; means? They want my advice on working with a design-build firm and my answer is almost always yes, unless the project scope is too small or the homeowner has already completed more than 80% of the design in which case most builders can use their plans, and avoid the design costs (although you&#8217;ll need engineering).</p>
<p>The simple answer is working with a design-build company will save you time, money and stress! Most people will talk about the time or the money but I think the stress is more important, as homeowners don&#8217;t have a lot of experience building or remodeling homes, and like anything new and different, along with the excitement comes lots of stress. <span id="more-11689"></span></p>
<h2>Missing Door Openings So Please Don&#8217;t Tell!</h2>
<p>We&#8217;d all like to live in a perfect world but we&#8217;re human and that means mistakes happen. The construction industry has it&#8217;s mistakes so if you don&#8217;t hold it against me, let me share a story.</p>
<p>The foundation without door openings (photo) could have been avoided with a design-build company, if the design work involved the architect and the builder. Following a traditional design process, the architect drew up the blueprints and the homeowner gave them to the builder. Only after the foundation was poured, did the homeowner question where the doors (3 planned) were and oops, only the garage door was on the blueprint.</p>
<p>This wasn&#8217;t a huge mistake but here&#8217;s what it took to correct the situation:</p>
<ol>
<li>Delay while architect produced <strong>new drawings</strong> showing the doorways.</li>
<li>Waiting for the <strong>concrete company to cut away the door openings</strong>.</li>
<li>Someone had to<strong> pay for the concrete work</strong>, approximately $800.</li>
<li>&#8230; and don&#8217;t you think there was <strong>a bit of stress for everyone</strong> involved?</li>
</ol>
<h2>Benefits of Design-Build Companies</h2>
<p>This story helps explain the difference between more traditional building and <strong>the newer, design-build method which saves homeowners time, money and stress</strong>. The biggest difference is how the building or remodeling team is structured. With jobs taking months or often more than a year, it&#8217;s really important to focus on building a strong partnership at the outset.</p>
<h2><strong>Tradition Building Puts Homeowners in the Drivers Seat!</strong></h2>
<ul>
<li>Homeowners <strong>collect ideas in a notebook</strong>, or now you can use Pinterest.</li>
<li>Homeowners <strong>buy a set of house plans</strong> or &#8230; <strong>find an architect</strong> to draw up their plans. Having done both, experience says there are benefits and drawbacks to each approach but that&#8217;s for another story.</li>
<li>Homeowners <strong>get bids from several builders or remodelers</strong>. This is when you learn working with an architect is worth their fees, as they know which builders deliver on their promise!</li>
<li>Homeowners pick their remodeler and then the fun begins. The homeowner gets to act as the middleman between the architect (design) and builder who knows (and their bid assumed) how to build and where to cut costs. Often the homeowner is clueless and when you realize something is not according to your blueprints, you have to decide if you want to spend the time to negotiate a compromise &#8230; which increases time, cost and stress.</li>
</ul>
<h2>Design-Build Starts with ONE Team!</h2>
<p><strong>With the design-build process, the architect and the builder work for the same company</strong>. Your building project starts with planning meetings that include you, the homeowner, the person designing your home and the person building your house. You are a team from the beginning, with everyone learning together what priorities are important to preserve as the design comes together within the homeowners budget &#8211; the company assigns one person as the project owner, relieving the homeowner of this pressure.</p>
<p>So what happens differently with design-build?</p>
<ul>
<li>A <strong>cost-effective design gets created faster</strong> with collaboration among the team members.</li>
<li>Construction moves <strong>faster with fewer questions and problems</strong> to slow things down.</li>
<li>There&#8217;s <strong>one person responsible managing all problems and concerns and it&#8217;s not the homeowner!</strong> This includes building permits or inspections, pre-ordering materials with long lead times, scheduling specialty sub-contractors, job site issues, change orders, etc.</li>
</ul>
<p>The timelines illustrate how one team working together from the start, gets the project done faster. When everyone works on the design together, quality improves and there are fewer change orders, so overall project costs are lower. All of this adds up to substantial savings for the homeowner.</p>
<p style="text-align: center;"><a href="http://www.hometips4women.com/design-build-can-save-you-money/design-build-a4whog" rel="attachment wp-att-11751"><img class="aligncenter size-full wp-image-11751" title="design-build saves homeowners time, money &amp; stress" src="http://www.hometips4women.com/wp-content/uploads/2012/04/design-build-a4whog.jpg" alt="design-build saves homeowners time, money &amp; stress" width="600" height="368" /></a></p>
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