Author: Creative Programs and Systems - page 311

Buying A Home In Livingston County

Posted on by Creative Programs and Systems

Many things go into buying and selling a home.  Susan Doyle with Real Estate One in Brighton, MI knows this well.  When selling your home or looking into any type of real estate services in or around Livingston County Susan Doyle is the expert to turn to.  Here are some basic tips when looking to purchase a home within the Brighton, Howell, Milford or the surrounding areas.

Tips For Buying A Home

One of the first things to consider is whether or not your future plans allow you to stay in the home for a few years.  This is important to consider with the cost associated with buying and selling a home. It is a good idea to stay in your home for a period of time to recoup these funds.

The next tip to consider is buying a home that you can afford.  Take into consideration the homes price, the taxes, special assessments to the home as well as heating and cooling costs. These bills should all be considered in the payment of the home as they will be a new part of your overall budget.

Consider the school district of the home you are buying.  This is important whether you have children or not. Homes in thriving school districts retain their market value and are much easier to sell when that time comes.

Seek professional help with all of your real estate service needs. The business of selling and buying homes is overwhelming and easy to miss a step.  This is why it is in your best financial interest to hire a professional to assume responsibility for arranging paperwork and other issues that are involved in the purchase and sale of a home.

It is in your best interest to get a pre-approval on your mortgage before you begin your house hunt. This enables you to stick at looking at homes within your budget and not wasting time with homes that are over the budget. Also consider putting the full twenty percent down to avoid having to pay for extra mortgage insurance.

The last piece of advice is to hire a home inspector. The last thing you want to do is to purchase a home only to find out you have bought a money pit.  A simple home inspection before signing on the dotted line can save you a bundle of money and hassles down the road.

Susan Doyle Real Estate

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November Is Here: Tips To Prepare Yourself For The First Snow Fall

Posted on by Creative Programs and Systems

Snow removal is one of the most challenging aspects of cold weather climates.  Anyone who lives where snow is abundant knows the trials and tribulations that go along with large snow falls and efficiently removing the snow from walk ways and driveways.  If you are one of the lucky few you will have a professional at your beck and call to plow you out and ensure that you’re guaranteed accessibility to your home and main road ways.  However this is not always the case.  Some people prefer to save some money and go it themselves only resorting to a snowplowing service company for large snowfalls.  Here are some tips for those do it yourself types when shoveling snow.

1)      When snow shoveling be sure to only pick up a half scoop of snow each time.  This keeps you from burning out quickly and will allow you to stay injury free.

2)      When dealing with large chunks of snow and ice that are frozen together attempt to break the large piece into several pieces. Although this may be rough on your hands and arms it will save your back.

3)      Shovel the snow as it falls.  This will save you from the mass of snow that happens after the snow has fallen and become heavy through the night.  If it is allowed to become wet and harden it will be heavier to shovel.

When it comes to anything over three inches of snow and you have not been able to keep up as it has come down the best option is to look into your snow plowing options.  This is especially true when looking at longer driveway surfaces and private side streets.

Bladerunners Landscape

Keeping Your Home Warm With These Money Saving Tips

Posted on by Creative Programs and Systems

Burr…  It is officially cold outside in Mid-Michigan. If you have not already prepared your home for the chill it is time to do so.  It is time to save yourself some money on energy bills with some low cost tips that will have your family staying warm and not breaking the bank.

The first issue is with the thermostat.  Make sure that you have replaced older thermostats with newer programmable ones.  When your home is unoccupied you can save yourself a good sum in heating and energy bills by lowering the setting ten degrees and increase your home heating.  A programmable thermostat will do this automatically for you.  The same is true at night as well.  Program the thermostat to decrease the heat by five to ten degrees while you are sleeping.  Add an extra blanket to your beds and you won’t even notice the difference.

Another quick and easy step in saving money on energy bills is to lower the thermostat by one or two degrees.  This can lower your bills up to three percent per degree you lower the heat in your home.  Make sure to purchase some slippers on those feet, not allowing your body to get cold in the first place will allow you to set the heat a degree or two lower without noticing a huge difference.

By keeping the garage door shut in the winter you can also help to keep your hot air within the home.  Something this simple can save you a few dollars over the entire winter season.  With energy prices so high every penny saved helps.

Some families prefer to add plastic film to the windows in the home to seal in the warmth and keep out the cold.  This will depend on the age of your windows.  If you have fairly new, energy star windows installed this might not even be an issue.  It might cost you more on plastic for the windows than it saves you in energy costs.

One thing you can do that keeps heat in is to close curtains, blinds and shades.  This helps to insulate the home and keep the heat inside.  Keeping them closed when you are away or sleeping can significantly decrease your heating bills.

These are simple or free tips that can help lower your energy bills.  As always remember to call in a professional HVAC heating and cooling specialist to due furnace maintenance and tune ups at least once a year.

Airtronic Heating and Cooling

Know Your Options Before Purchasing A Medigap Supplemental Insurance Policies

Posted on by Creative Programs and Systems

Medigap Supplement Plans are different from Medicare in that they are policies that are offered by private insurance companies where as Medicare is offered through the government.  Medigap is purchased to do just what the name suggests, fill in the gaps left by Medicare Part A and Part B.

When you are looking into purchasing a Medigap Supplemental Insurance Policy it is important to realize that the policy you purchase should be designed to fit your needs.  This is why it is so important to compare the different plans available to your lifestyle to see which policy works best for you.

It is important to remember that Medicare Part A and Part B only pay for a portion of your care.  This includes part of the hospital care and physicians fees.  Medigap fills in for the services that are needed but not covered to help ensure complete coverage for seniors. One medical disaster without proper coverage could literally bankrupt some seniors living on a small limited budget.

It is worth the time to compare the Medigap Supplemental Insurance policies available in the market.  Remember that the policies that are sold by private insurance policies are all the same and regulated by the United States government. The price you pay may be different depending on the markup from each individual insurance companies but the coverage will always be the same.

123Medigap

Aluminum Swimming Pool Fencing and Your Landscape

Posted on by Creative Programs and Systems

Swimming pools are a common element in today’s backyard landscape. Surrounding swimming pools with aluminum pool fencing is just as common to prevent accidents and to add an element of privacy to the environment. When it comes to your backyard and the pool area you can never be overly safe.  Often time’s swimming pool owners consider a residential aluminum fence for the entire yard while installing aluminum pool fencing to the landscape surrounding the pool area.

Some homeowners choose to add in an extra safety precaution by adding an access control system to gain access to the pool area.  An access control entrance system allows individuals to enter that are authorized via a key code, a card reader or another access system.  This provides extra security within the pool area and helps to ensure that children are only in the pool area when accompanied by a responsible adult.  This is the same basic concept families that have a security system for their homes and add an electronic entrance gate to the driveway are practicing.

Whether you install a pool fence for the safety of the kids that play in your backyard, to prevent animals from accessing the pool or for privacy make sure that you work with a licensed professional fence installation company.  This will help to ensure the fence is properly installed in the least amount of time.

Forever-Fence, SAC Fence

Kitchen and Bathroom Remodeling Simplified

Posted on by Creative Programs and Systems

 

The ideas are endless when it comes to remodeling your kitchen or bathroom.  All it takes is a bit of creativity, a decent budget and some fresh ideas to refresh, modernize and add value to your home.  The hardest part is getting started.  Whether you are hiring a professional contractor in to create what you are envisioning or doing it yourself you need a solid plan on what the goal of the project is; Are you looking to update décor, improve the use of the space or add storage?  Next you need to determine how your goal will incorporate your family’s needs and style.

With a kitchen remodel there are endless ways to modernize a kitchen if you are happy with the original layout and function of the area.  One quick way to add modern touches to your kitchen remodel is with the use of cabinet paint, new hardware and updated appliances.  The difference made with these changes is unbelievable.

For a bathroom remodel one idea that is fun to play with, as long as you are okay with the current layout is to play with color.  You can do this via paint, shower curtains and towels easily without breaking any budgets.  Another minor improvement that can be done in the bathroom space is to update faucets and bathroom hardware.  A little creativity in a bathroom remodel can go a long way.

Of course these are all simple remodeling tips.  If you are looking at completely renovating a kitchen or bathroom and plan on changing the spaces function as well as the overall design keep in mind the end goal.  Look for ideas in catalogs and at home improvement stores.  Many contractors have idea books and pictures of completed jobs that might help to spark an idea within your remodel.

APS

An Ounce Of Prevention Can Save You Gallons With A Flood

Posted on by Creative Programs and Systems

The one thing that worries more homeowners in the winter than anything else is the thought of their pipes freezing and then bursting under the pressure. The damage that is caused is disastrous.  Water pipes create a mess when they break and water gushes into your home environment.  The water is capable of destroying anything in its path.

When a frozen pipe bursts in your basement quick action is needed to clean up the basement flood.  Many homeowners believe just getting rid of the water will clean the area but this is however only one step in the process.  Any of the homes framing, drywall, paneling and flooring need to be removed and thoroughly dried or the area is at risk for mold and mildew issues to arise.

Now imagine if the pipe burst anywhere other than the basement area.  Flooded basements are one thing but consider if your homes upper level had a pipe burst.  Now you are looking at the risk of water seeping into the floors support and spilling relentlessly throughout the entire home finally reaching the lowest point, the basement.

The best way to make sure your lives are never turned upside down by water flooding your home from frozen pipes that have broken is to prevent the pipes from freezing in the first place. A home that is properly insulated with pipes that have also been wrapped with insulated materials is one that is taking complete measures to ensure the home against frozen pipes that break.

 

Dreamers Inc Restoration

The Best Defense In Home Security

Posted on by Creative Programs and Systems

What is the best way to protect your home and family against crime and burglary?  Nope, the answer is not to purchase a mammoth dog that is sure to scare thieves away.  However the answer is to secure your home by purchasing and installing a home security alarm system.  There are a number of benefits to having a security and monitoring system installed in your home.  One of the most obvious is the sight of having one makes your home less of a target amongst thieves.

Another benefit to home alarm security systems is that they allow the home to be set up to monitor not only against burglary, but also for carbon monoxide poisoning and fire emergencies.  The monitoring company is employed to then set the wheels in motion and a course of action to begin to contacting local emergency enforcements and deploy them to your home.

Security systems are become a must have in homes today.  They are becoming easier to use and more reliable than ever before.  The glitch’s of home protection have been fine tuned and allow homeowners to go on vacation and feel secure that their home is being watched, go to work at night knowing their families are safe and sound at home and protect families and alert them in case of fire or carbon monoxide poisoning.  Home alarms services truly are the gift to give this holiday season to your loved ones to provide security at home.

All Star Alarm

Easy Steps In Selecting An Engagement Ring

Posted on by Creative Programs and Systems

The hardest part of picking out an engagement ring is finding the person you want to spend the rest of your life with wearing the ring.  Choosing the ring that is to be presented as a symbol of your love and affection is relatively easy.

 

The first step in selecting an engagement ring is to determine your budget. The old aged of two months’ salary has gone by the waste side.  This is an out-dated rule of thumb and couples today understand that two months’ salary is a tremendous amount of money to spend on one piece of diamond jewelry.  This is now left for personal choice.  If you can and you want to spend the money however it is not a must today.  Many people choose an engagement ring that symbolizes them as a couple.  This is more important than the amount of money spent on the ring itself.

 

Once you have decided upon a reasonable budget consider thinking about the style and metal of the ring that best describes the woman you are asking to marry you.  Some popular options are halo engagement rings, antique engagement rings and classic solitaire engagement rings.   Consider the color of jewelry she usually wears as well.  Does she like gold, platinum, white gold or silver?  This helps indicate what she has a preference for.

 

The stone is the next item you will want to choose.  Are you thinking about a traditional diamond or are you considering a gemstone that she favors.  Again this is an area that will depend on the woman you are asking to marry you.  Some women are very traditional and prefer a diamond.  The shape of the diamond is also another option you will have to choose.  Diamonds come in many shapes including round, princess, emerald, marquise, oval, pear and heart.  

 

Consider the setting and type of wedding band you eventually think she will want.  Classic diamonds solitaires are easily matched with wither a plain wedding ring or a wrap to enhance the solitaire.  Another setting is one which includes side stones.  This also is easily paired with a classic band or worn on its own.  Some couples choose a bridal set which allows you to purchase the engagement ring and wedding ring as a set.  This way there is a perfect fit and uniform look for the pairing.  

 

Lastly you want to compare the cost of the ring you decide upon at a few different jewelers.  Don’t rule out online shopping as often online diamond prices can be far more reasonable.  You are not paying for the fancy shop or name.  With online purchasing you are paying for the ring.  Remember to have the ring appraised and insured.  Good Luck!

DaRoche Jewelers

Winter Roof Repairs: Problems To Look Out For

Posted on by Creative Programs and Systems

The time is upon on us when we start to think about how the snow, ice and winter winds affect the exterior of our homes, leaving a mess of roof repairs in our futures.  To avoid expensive roof damages to your home this winter it is important to be aware of common roof issues that arise in the winter. The sooner an issue is fixed after it arises the more money and time you will save yourself in expensive repairs.

The first issue that is prevalent in winter is developing a leak where the flashing or drains are located. If your roof is on a slop you may notice a leak at the flashing as well.  The best way to combat leaks is with maintenance and an inspection prior to the winter weather.  Homeowners can hire a roofing contractor to come out and do a maintenance check on the roof.  They will inspect flashing, drains and vents to ensure that the roofing is sealed down properly and nothing is loose or coming up that would allow water to seep underneath the shingles.

Another thing to look for when it comes to your roof is structural damage.  This can happen so gradually that you don’t even realize damage has been done until it is too late. That is why it is so important to inspect the roof regularly so that you are familiar with changes.  When ice or snow builds up on your roof it keeps the heat from efficiently heating your home this is why it is so important that a professional inspects the roof to ensure you have plenty of properly ventilation spots throughout the attic.  Proper roofing and attic ventilation can eliminate structural damage to the roofing structure of your home.

The last issue to address when it comes to winter roof repair is ice damming. Ice damming is the problem that exists when water freezes along the roof line and in the gutters.  The problem is when the ice starts to melt and the water is not able to properly drain.  This leaves the water searching for a place to go which inevitably is under the shingle roofing which causes major damage. Keeping the ice from occurring is the best way to stop this issue and can be done using a roof rake.

A regular inspection of your roof will have you avoiding major expenses and roof repairs down the road.  Becoming aware of common issues and consequence that arise with harsh winters can prevent minor inconveniences from turning into major catastrophes.

Home Pro Roofing MI