How safe is your deck?

If your spring cleaning routine paid special attention to getting the deck ready for summer entertaining, we have a question for you:

Did you check the deck’s safety while getting it all clean and gussied up? If not, you’re not alone.

The estimated life span for a wood deck is between 10 and 15 years, according to the U.S. Consumer Product and Safety Commission. They further estimate that half of the country’s 40 million wooden decks are older than 15 years.

Want to hear something even scarier?

Deck and porch problems cause 224,000 injuries each year in the United States – 33,000 were the result of either a collapse or structural failure.

Don’t let your summer guests be among these sad statistics. Inspect your home’s deck or porch before the seasonal fun begins and make the repairs necessary to ensure that it’s safe.

How’s that wood looking?

Your home’s deck is exposed to the elements, day in, day out, year-after-year. Naturally, it’s going to eventually show the toll the weather has been taking on it.

Check the deck for wood that is split or appears to be decaying. The experts at the National Deck and Railing Association (NADRA) suggest you check the area where the deck attaches to the house (known as the “ledger board”), which, they say, is “a common source of deck failure.”

Then, check the posts that support the deck as well as the joists under it, the support beam (runs parallel to the floor joists) and the boards that you walk across. Use a screwdriver or ice pick to lightly poke the wood, checking to ensure it’s not spongy, which is an indication of decay or damage caused by insects.

Use the same tool to probe cracks in the wood. “If you can insert it more than ¼ inch into any cracks … or if the wood breaks off without splintering, this could indicate rot,” warns Natalie Rodriguez of This Old House magazine.

Use a hammer to lightly tap each bolt or other connector. If it sounds hollow, it may be loose. Also check them for signs of corrosion. “As the fastener corrodes, it causes the wood around it to deteriorate,” according to Nick Gromicko, founder of the International Association of Certified Home Inspectors (InterNACHI).

Check the railings and balusters

Shake the deck’s railings and if they wiggle, call in a professional to help you secure them.

Use a measuring tape to ensure that they’re up to snuff, safety-wise. Rodriguez claims that the railing should be a minimum of 3-feet in height (3.5 feet is best, according to the pros at NADRA) and the balusters spaced a maximum of 4 inches apart (measured from the inside of each baluster).

Check the area around the deck

A sprinkler that hits the deck every time you water will eventually cause the wood to decay. Redirect errant sprinklers and downspouts that drain near deck posts.

Clear away plant detritus from the deck and the area beneath it. The experts at NADRA say wet plant material can be slippery and it promotes mildew.

Finally, give the deck a new, waterproof coating.

May is National Deck Safety Month – a reminder that now is a great time to do a deck inspection and perform maintenance to ensure family and friends are safe during summer.

Don’t make these 5 common home staging mistakes

Although DIY home staging may seem an easy project, we see several common mistakes when homeowners make the attempt. Most go about the process as if it were just a matter of rearranging furniture or redecorating.

There’s a lot more to home staging than that, however. The most important aspect is of it is knowing who your most likely buyer will be and then appealing to his or her emotions.

Take a look at the five most common staging mistakes we see so you can avoid them if you plan on going the DIY route.

Mistake number 1: Not cleaning before you stage

There’s a difference between routine house cleaning and cleaning for staging. The latter is a deep clean and serves as the background for the staging. Professional housecleaners suggest that you move around the house, cleaning from the ceiling to the floor, so that you don’t miss any spots.

“Dust and wipe down the baseboards, clean the vents, bleach the grout in your shower, and polish the hardware in your kitchen and bathrooms,” suggests the experts at MHM Professional Staging in Orlando, Florida.

A deep clean also sends a subliminal message to potential buyers that the home is well-cared for and helps them imagine living in the space.

Mistake No. 2: Leaving the wrong furniture in place

Too much (or too big) furniture makes rooms appear cluttered.

“Trying to put too much furniture in one space makes it look smaller than it really is,” Joanna Gaines tells HGTV’s Judy Dutton.

“Try to stick with three large pieces at most per room to keep the house feeling big and open.”

Then, ensure that what’s left in each room advertises the room’s purpose. This means no baby changing table in the home office and ridding the master bedroom of the treadmill.

Mistake number 3: Neglecting to stage storage areas

While the home is on the market, its storage spaces should be highlighted. Remove bulky winter clothes and blanket from closets and cupboards, organize the pantry and store excess linens to make the linen cupboard appear roomy.

“Potential buyers will definitely want to know how much storage space your home has, so no closet will be safe for concealing messes. If you’re in a pinch, a last-ditch effort to hide a mess is under a bed,” according to Gaines.

Mistake No. 4: Ignoring the garage

A National Association of Home Builders (NAHB) study finds that more than half of the homebuyers they surveyed find a home with a garage “essential” or “desirable.”

A 2017 National Association of Realtors survey resulted in learning that more than 30 percent of homebuyers think the garage is the most important room in the home. Baby boomers, in fact, care more about the garage than the living room.

Get ideas for your garage at realtor.com

Mistake number 5: Assuming buyers won’t notice your lack of curb appeal

The exterior of your home can make or break your bottom line. It’s the home’s first impression and, believe me, if potential buyers don’t like what they see from the curb, they’ll drive on to the next home on their lists.

Start with the exterior walls. Sometimes powerwashing is all it takes to make them sparkle. If the home needs new paint, however, you can look forward to an average 43 percent return on your financial investment in the process, according to homegain.com.

Then, turn your attention to the landscaping. “Simple touches like making sure the lawn is freshly cut, power-washing the driveway, or putting a few freshly potted plants on the front porch can make a big impact,” says Gaines.

Staging your home, inside and out, is a wise move. But don’t make common mistakes that might negate all your hard work.

 

3 Over-the-Top Luxurious Travel Destinations for your Bucket List

In case you missed it, summer recently arrived. If you’re still making your summer getaway plans, and you have the means, you may want to consider the ultimate luxury vacation.

A couple of years ago Spectrem Group conducted a study of the spending habits of people with a net worth of at least $25 million. What they found is that these people spend more on home renovations and vacations than any other purchases, including cars and jewelry.

If you are among those that would rather spend your money on seeing the world than something to wear on your wrist, check out the following destinations. Even if you don’t have the means to visit this summer, we think that they all deserve a spot on your bucket list.

1.Relax on a Private Caribbean Island

The self-described “undiscovered gem of the Caribbean,” Calivigny Island is an island for rent.

This 80 acres of unsurpassed, world-class luxury and privacy ― can be yours for a night ($30,000 per night for a two-bedroom cottage), week ($868,000) or month ($3,472,000). Located off the southern coast of Grenada, the island boasts six white-sand beaches while the resort offers a tennis court, swimming pool with a swim-up bar, a tree house, fitness center and more.

During your Robinson Crusoe experience you’ll meet no cannibals and no mutineers, but you just might enjoy windsurfing, waterskiing, jet skiing, wake boarding or any number of other water sports.

The island retreat accommodates up to 50 people so it’s ideal for weddings, family reunions and very private, romantic getaways. Find out more here.

2. Pampering in the Maldives 

The Maldives have long been a beloved destination for the wealthy, but the Soneva Jani Resort offers everything a bucket-list destination demands. The crystal-clear, turquoise waters of the Indian Ocean, the amazingly soft, white sand beach and the balmy breezes are just the beginning.

Pampering? It begins before you check in, when you’ll be handed an iPad with a questionnaire about everything from which pillows you prefer and the type of fragrance you want sprayed on them to your favorite alcoholic beverage, foods and music.

Privacy? Soneva Jani is located on Mehufaru, an uninhabited island in a lagoon in the Noonu Atoll. With only 24 villas (all over-the-water) and one beach villa, you’ll have plenty of solitude.

As a guest of the resort you’ll be enticed to hit the water in a complimentary paddleboard, kayak or catamaran, go snorkeling or diving or visit the on-site observatory to view the celestial glory. There’s also a cinema (set over the water, naturally) for movie buffs.

So, how much will all this casual opulence set you back? The least expensive villa rents at $3,000 to $5,000 a night, according to CNN. But, you can also stay in the largest villas for around $20,000 per night.

Learn more about Soneva Jani at soneva.com.

2.Reach a Transcendent State in a Floating Mansion 

All vacations should invoke Nirvana and, should you charter the super yacht that carries the name, you’ll find yourself in a blissful paradise from which it will be hard to return to the real world.

“Nirvana” is a 290-foot long floating mansion with six decks (with access provided by an elevator), a pool, a helicopter landing pad, a 3-D cinema, full gym, and a crew of 26 to cater to your every whim.

She sleeps 12 guests in 6 staterooms. These include a VIP stateroom, master suite and four double cabins.

When you aren’t sunbathing on deck, you’ll be invited to enjoy the gym, Jacuzzi, pool or get a message.

You just can’t get more privacy than being in the middle of the ocean, so if solitude is your aim, contact a yacht charter broker. Learn more here.

Should I sell my home as-is?

Ah, the need for speed in a real estate deal – we’re quite familiar with it. From clients who’ve taken a job out of town with an impatient employer to the need to sell a deceased family member’s home, “Should I sell my house as-is” is a common question.

There are also the clients who tell us they aren’t the best at maintenance and have, sadly, let the home go over the years and they now need to sell, with neither the time nor the money to make needed repairs.

Let’s take a look at some of the issues you should consider before trying to sell the house in as-is condition.

Price considerations

A recent study finds that most homebuyers – especially first-time buyers – want a home that they can move right into and hang up their toothbrush. And, they say they are willing to pay more for such a home.

Face it: many of the competing homes in your area will be closer to this condition than yours if you choose not to make improvements and/or repairs.

Unless your home is priced low enough to compensate the buyer for what he or she will need to spend to bring it to comparable condition, it will sit on the market.

So, if your budget can tolerate a very low listing price, you’ve passed the first challenge of trying to sell as-is.

Lenders have their preferences too

Should you find a buyer who is using a government-backed loan program, such as the VA or FHA, the lender will have a thing or two to say about your home’s condition.

Typically, it’s “fix it or we won’t loan the money to the buyer.” You can almost guarantee this for problems of a health or safety nature.

Considering that the VA grants almost a half-million mortgages a year and the FHA is the preferred program for first-time buyers, that’s a lot of people to exclude from the buyer pool

The FHA-approved appraiser will be the one to determine what needs to be fixed before the home qualifies for an FHA-program buyer. Repairs listed as essential on his or her report are the ones to be most concerned about.

Even a conventional lender may balk at making a loan for your home if the repairs needed include HVAC, roof or structural problems. Some will require that broken window glass be repaired and ask that any code violations in existence be remedied.

By the way, some home insurance companies are also asking for repairs before they will insure the home for the new owner.

Come up with a strategy

Again, it’s understandable that some fixes are just too expensive for some sellers to manage. For these, we can suggest the FHA 203(k) program in our marketing materials.

With this program, FHA will wrap the cost of the home and the cost of rehab in one loan, so the buyer has only one payment a month. There are other rehab mortgages out there as well.

You’ll also want to consider how you’ll deal with the very low offers you’ll receive. The mere mention of the words “as-is” act as a magnet to investors and flippers. Know the lowest price you’ll accept and remind yourself to keep your emotions in check and to not take lowball offers personally.

Finally, despite the problems with the home, the one way you can help boost the price, even a small amount, is to ensure that it’s clean at all times.

If your home will be vacant, consider some inexpensive staging techniques to help buyers overcome the as-is aspect of the sale.

When a home is neat and tidy (both inside and out) it sends a subliminal message to potential buyers that someone does care about the home.

It’s spring! Let’s debunk 3 common gardening myths

You see them all over the internet but nowhere online do gardening fallacies proliferate more than on Pinterest.

For instance, we recently read a pin that described several ways to improve our garden soil, “naturally.” Among them was throwing a banana peel on the soil, or burying it, to supply potassium to your plants.

For the record, “As soil microorganisms work to break down the peels, they extract significant amounts of nitrogen from the soil, which results in less nitrogen for greening up plants,” according to Jeff Gillman of This Old House magazine. He suggests offering your plants a well-balanced fertilizer instead.

Read on for more common gardening myths.

Put small pebbles in the bottom of your planting pots

How many times have you read that container gardeners should add pebbles or place pot shards in the bottom of their pots to aid in drainage? Yet, this myth was busted more than 100 years ago, according to renowned horticulturist and professor, Dr. Linda Chalker Scott.

And, similar, more current studies prove that this is a myth, because “water does not move easily from layers of finer textured materials to layers of more-coarse textured,” the professor claims.

“Additionally,” she continues, “one study found that more moisture was retained in the soil underlain by gravel than that underlain by sand.

Therefore, the coarser the underlying material, the more difficult it is for water to move across the interface. Imagine what happens in a container lined with pot shards!”

So, stop with the pebbles on the bottom of your pots. Chalker-Scott suggest that you use only pots with drainage holes and high-quality topsoil to ensure adequate drainage.

Compost tea improves soil structure

Compost tea is a combination of compost and water that has been allowed to culture for a specified amount of time.

One online promoter of the use of compost tea has a list of its uses. Included on the list is that compost tea improves “nutrient retention in the soil,” reducing fertilizer use. The author also claims that the use of compost tea improves soil structure.

Compost tea does add nutrients to the soil. But, the only way it helps the soil RETAIN these nutrients is if it is applied frequently.

“The effects of compost tea are short-lived, and frequent and repeat applications are required” to replenish the soil’s nutrients and microbes, according to a 2015 study published in Advances in Bioresearch.

Horticulturists recommend ditching the water mixture and using dry compost as mulch. Each time you water, the nutrients will drip into the soil and provide those nutrients your plants are so hungry for. The bonus? Unlike tea, compost will improve the soil’s structure.

Always stake a tree when planting it

Chalker-Scott calls the process of staking a tree “tree bondage.” She does admit that there are some circumstances that call for using a stake to support a tree, such as when planting in “poor, shallow soils that hinder root development.”

But most of the time, staking a newly-planted tree is unnecessary and may end up harming the tree.

The stake takes on the support role of the trunk and root system. “This artificial support causes the tree to put its resources into growing taller but not growing wider,” Chalker-Scott explains.

Although a stake is supposed to be temporary, too often homeowners neglect to remove it. Those who do often end up with a tree that blows over or breaks during the first big wind. Chalker-Scott explains that this is due to the roots and trunk not fully developing because of the stake.

Bareroot trees are generally the only ones that require staking when planting. Chalker-Scott recommends that stakes be placed no higher than two-thirds the height of the tree. Use a flexible tie, such as a strip of nylon hosiery or other fabric that will stretch and not girdle the trunk.

Finally, remove the stake when the roots are established. Bartlett Tree Experts say that most trees’ roots are established within one to two years.

Getting ready to sell? Depersonalize and get rid of clutter first

Think back to a time when you, or someone you know, sold or traded in a car. There was some work to do before advertising it for sale or taking it to the car lot, right? It’s a rare car seller who’ll leave all the fast-food wrappers, empty plastic water bottles and crumbs left behind by the kids.

Why?

Because a clean car gives off an impression of being well-maintained.

It’s the same thing with houses. Sadly, cleaning and decluttering a car about to go on the market is a routine task, doing the same for homes isn’t.

Yet a home is worth hundreds of thousands of dollars more than a car.

First, get rid of the clutter

Scientific studies show that clutter causes anxiety in people who view it. Not a good state for a homebuyer to be in, and reason enough to get rid of excess “stuff” in the home.

If you have a lot of it, the process may seem overwhelming, but it doesn’t have to. Remember the old advice on how to eat an elephant (one bite at a time) and apply it to getting rid of the clutter in your home.

In this case, take it one room at a time. Try to do the entire home in one day and you’ll most likely get frustrated and lose the mojo needed to complete the job, according to professional organizer Nicole Anzia.

“It’s much better to spend a few hours — 2 or 3 — on one project or space. This way you’ll feel motivated to do more, not be burned out by the process,” she tells Apartmenttherapy.com’s Catrin Morris.

For those who burn out quickly, Anzia suggests doing one room at a time, “in 30-minute bursts … work for 30 minutes, take a half-hour break, then work for another 30.”

When tackling clutter, pay close attention to any collections you may have. Too many items in a room makes it appear cluttered and distracting to buyers.

Depersonalizing comes next

Actually, you may end up doing a lot of the “depersonalization” while you’re getting rid of clutter.

In a nutshell, depersonalizing a home involves removing anything of an overly-personal nature.

Think about model homes in new-home communities. These homes are carefully staged to appeal to the broadest number of buyers and they are decidedly depersonalized.

You want buyers to be able to imagine themselves living in the home, with their furniture and their belongings.

Some of what you should remove and store includes:

  • Excess family photos
  • Framed diplomas, degrees and awards
  • Extra toys
  • Magazines and professional journals
  • Craft items
  • Anything on the refrigerator doors
  • Anything that sits on the kitchen and bathroom counters that isn’t decorative
  • Mail
  • Paperwork
  • Anything of a religious or political nature
  • Sports memorabilia

Depersonalization doesn’t just include removing overly-personal items from the home. Consider repainting walls that are currently painted in a bright or odd color and getting rid of odors from cooking, pets, babies and smokers.

Don’t go overboard in depersonalizing the home, however. Leave some traces of your personal statement so that buyers get an idea of the lifestyle the home offers.

Take the shower of your dreams

You must admit, there’s nothing like a nice, hot shower at the end of a very long day. Standing under steamy water, you can almost feel the stress melt away.

It doesn’t take much to kill the shower vibe. Weak water flow, a backing-up drain or moldy tiles can all make that end-of-day routine less pleasurable. We’ve gathered some tips to ensure that when you step behind that curtain (or behind the tempered glass) all will be well in shower-land.

Wimpy water flow?

It’s easy to chalk up a wimpy water flow to low water pressure, but before you do, check your showerhead. Especially if you have hard water, mineral deposits may be the culprit. These can build up, clogging the water-flow holes.

How you clean the showerhead depends on the type you have. Newer models typically screw on to the shower arm so they’re easy to remove. Once it’s off the shower, soak it in vinegar or, for truly tough deposits, use a commercial product, such as CLR.

After soaking for about 60 minutes, used gloved hands and an old toothbrush or small scrub brush to remove the deposits. After replacing the showerhead, run water through it to remove all cleaning solution residue.

If you can’t remove the shower head, or choose not to, grab a rubber band, a plastic bag and your cleaning solution.

Place the rubber band over the showerhead arm. Fill the plastic bag with your solution and slip it over the showerhead. Use the rubber band to secure the top of the bag to the showerhead arm and allow the contraption to remain for at least 60 minutes.

Remove the bag and run the shower to flush out the solution and the loosened mineral deposits.

Backed up drains

Just like our four-legged friends, we humans shed and a lot of the hair we lose ends up in the shower, when we wash our hair.

From there, it travels down the drain where, eventually, it’ll  meet up with a big, ugly wad of hair and join it. So, not only does hair back up the water into the tub while you’re showering, it will eventually cause a more expensive backup if you don’t take care of it.

The easiest and least expensive “gadget” you can purchase to avoid hair clogs in the shower is a strainer that fits over the drain opening.

If you already have a clog, avoid using those chemical solutions you can buy at the supermarket or hardware store. Sure, they’re handy when you’re certain that the clog is a wad of hair, but, what if it’s a toy the kid threw down the drain?

In that case, the solution won’t clear the clog and, worse, it’ll back up onto your feet during your next shower.

“To protect yourself and your pipes, always try to dislodge a clog using common household methods before reaching for the drain cleaner,” say the experts at HIS Plumber in Newnan, GA.

Better yet, call a plumber if you are unsure of what’s causing the water to back up into the tub.

A clean shower is a dreamy shower

Mold on tile, soap scum and a ring around the shower – talk about a buzz kill! To make your shower truly Zen, get rid of the grime and keep it away.

Let’s take a look at some proven home remedies to get rid of the grime.

Mold

Combine household bleach and water (50/50) in a spray bottle. Open the bathroom window, don a breathing mask and gloves and spray the solution directly onto the mold. Allow it to sit for a few minutes and then use an old toothbrush to scrub it off the grout.

Use a clean, wet sponge to wipe away the residue.

Prevent mold buildup by using the fan in the bathroom while showering and allow it to run for about half an hour afterward.

Soap scum

We once met a cleaning lady who swore by the use of Tide laundry detergent (powdered) to clean soap scum from tubs and shower surrounds. It’s less abrasive than cleanser and, at least from what we witnessed, did a far better job.

Ensure that you rinse it completely, however, because it can make the surface quite slippery.

Sure, the aforementioned steps are time-consuming, but just imagine how amazingly soothing the after-shower will be.

Look for these 3 red flags when shopping for a home

Call them “red flags,” or “warning signs” or even “whoa, don’t-buy-this-house” signs, but there are certain symptoms of a sick home that you need to be aware of before you fall in love with a sexy fireplace or a to-die-for backyard. Once you’re smitten, it may be too late.

Now, don’t get me wrong, most houses, even new ones, have something wrong. Even if it’s a problem as easy to fix as a drippy faucet, no home is perfect.

But what we’ll look at today are the biggies – those items that require emptying your bank account to repair. They don’t necessarily need to be considered deal breakers, but should prompt you to have the home inspected by the appropriate professional.

Don’t be crestfallen if you happen to find some of these because the good news is that you found them now, rather than later. Now, as in you can either demand the seller fix them or you can back out of the deal. If you were to learn of these later, after you’ve moved in, the onus would be on you and your bank account to fix them.

So, let’s take a look at a few of the big problems and some of the clues to look for.

“Pee-Yew”

Can you imagine taking a shower and being greeted by raw sewage bubbling up through the drain? Oh, yes, it can—and does—happen. It’s caused by a clogged sewer or septic line.

Consider foul smells coming from the home’s drain a clue for further investigation. Likewise, if you notice these smells outdoors, near the home’s drain fields, if it is on a septic system.

Then, test the drains. Simply turn on the taps and watch the water drain. If it drains slowly, or you hear gurgling sounds from the drain (or from the toilet), call in a plumber.

Sewer fixes aren’t cheap. Tree-root-damaged lines can cost from $4,500 to $13,000 for a 100-foot sewer pipe, according to costhelper.com.

If it’s a septic system that has you concerned, it may need to be pumped. If, on the other hand, the system needs to be replaced, plan on spending from $2,720 to $7,934, according to homeadvisor.com.

“The basis or groundwork of anything” 

That’s the dictionary definition of “foundation.” For real estate purposes, and to keep it simple, it can be defined as “the thing a house sits on.”

A home’s foundation has three functions:

  1. Support the weight of the entire building.
  2. Help the home withstand natural disasters.
  3. Keep ground moisture from seeping into the structure.

“Most homeowners will pay around $4,004 to repair foundation issues. Major repairs involving hydraulic piers can cost $10,000 or more, and minor cracks cost as low as $500. The typical homeowner pays between $1,850 and $6,342,” according to the pros at homeadvisor.com.

Look for sloping or sagging floors (especially in more recently-built homes), cracks in the foundation, walls and floors, doors that don’t operate properly and gaps around window frames or exterior doors.

The experts at hdfoundationrepairs.com go into greater detail on each of these symptoms on their website.

Check the plumbing

Low water pressure is a lot more than an annoyance when trying to rinse the soap of your body in the shower. It may be a symptom of major plumbing problems.

Now, don’t get freaked out. Most of the causes of low water pressure are easy fixes, such as the water softener requires service, or a clog someplace in the lines or mineral deposits in the faucet aerator or showerhead or even sludge in the water heater.

Cracks or other damage to pipes, however, may result in a leak and that too would lower the water pressure. Look for evidence of leaks such as damp spots on the floors and walls, signs of mold or a hissing sound when the water is running.

Leak repair can be costly, especially if the leak is in a tough-to-reach spot.

If you suspect any problems in the home that the home inspection didn’t turn up, we urge you to bring in a specialist. A structural engineer can put your mind at ease about cracks in the foundation and a plumbing contractor can give you an idea of the state of the home’s pipes.

Four easy-on-the-pocketbook ways to update your home’s interior design

You don’t need to be a professional interior decorator to update your your home’s interior.

With a little creativity, and items already present in your home, you can transform it into a showplace.

Here are 4 inexpensive ways to update your home’s interior design.

1. Paint

The quickest and most inexpensive change you can make to your home’s interior design is new paint. Whether you decide to paint entire rooms or just create an accent wall, new color on the walls will create instant glamour.

If you hire a pro to do the job, plan on spending between $380 and $790 for a 10X12 room, according to homeadvisor.com. This is labor only, by the way, and doesn’t include ceilings, trim or cost of the paint.”

Do it yourself and you’ll save big.

2. Rearrange what you have

Are you taking advantage of the focal point in each room? Whether it’s the fireplace or a view outside a window, arrange furniture so that it faces the focal point.

Not sure what qualifies as a room’s focal point? Check out the guide at pellabranch.com.

Try switching up furniture from one room and putting it in another. Sometimes a stylish nightstand makes a great end-table in the living room; or try putting a dresser in the dining room to act as a buffet.

If you need new furniture but the price just isn’t in your budget, think about slipcovering what you already have. Or, buy inexpensive used furniture and put your DIY skills to work.

While shopping for used furniture, don’t overlook Craigslist online. You can find almost anything there and sellers are likely to negotiate on prices.

3. Add Color

New throw pillows, window coverings and rugs are not only great ways to freshen a room but add color as well. The color-of-the-year, by the way is purple, so go on trend by adding pops of it in your accessories. See the shade (Ultra Violet) on pantone’s website.

Flowers and plants add a splash of color to any room, be it a huge bouquet in the entry or small nosegays in the bathrooms. If you lack a green thumb, silk flowers and plants are inexpensive alternatives.

4. Accessories

You don’t need to break the bank when shopping for accessory pieces and accents for your interior design project. If you find you need a few more accessories why not try flea markets and garage sales? Here’s what to keep an eye out for:

  • Mirrors will make any room look larger and lighter. Groupings of mirrors can be an even more dramatic way to open up a room.
  • Art work is another way to add color and interest as well as texture to your interior design.
  • Decorative pillows can be used in bedrooms and living rooms.
  • Look for items such as decorative plates to hang on the kitchen walls, vases, baskets, candle holders and sconces. Other fun things you might want to look for are drawer pulls and handles for your kitchen and bathroom cabinetry.

If you have the budget, by all means, hire a professional to give you some interior decorating ideas. If not, with a little effort you can do it yourself and save some money. Visit pinterest.com to find fellow DIYers and get tips.

Discrimination in Mortgage Lending

There was a time in our country’s history when discrimination in lending was blatant and rampant. In the 1930s, for instance, Americans of color were routinely denied mortgages. Several methods were used, the worst of which was redlining (denial of a loan based on the applicant’s address).

Yes, we’ve come a long way in the nearly nine decades since then, but there is convincing evidence that discrimination in mortgage lending still exists.

To avoid becoming a victim, it’s important to understand what are considered discriminatory practices under the law.

Federal laws to protect Americans against discrimination

Two laws are of significance to the mortgage industry, the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act.

While the latter is aimed at the housing industry as a whole (and covers tenants as well), the former is specific to the lending industry. The ECOA’s anti-discrimination laws apply to anyone who provides mortgages as well as those who rent property, appraise property and broker real estate.

It prohibits those offering credit from discriminating against an applicant on the basis of:

  • Disability
  • Familial status
  • National origin
  • Race
  • Color
  • Gender
  • Religion
  • Age
  • Marital status
  • Whether an applicant receives public assistance

The Fair Housing Act covers all of the above instances of discrimination with the exception of the last three. It also exempts certain people from the law. For instance, a landlord who rents out units in a four-unit-or-less building, and he lives in the building, is exempt from the Fair Housing Act.

Protect yourself

Discrimination can be quite subtle, so it’s important to know what to look for. An example of this is explained in the results of a Journal of Urban Economics study from two years ago.

The researchers found that much of the lending discrimination that occurs today happens very early in the mortgage process. African Americans, for instance, find that they receive no response from lenders when they email them with questions 1.8 percent more often than white borrowers.

The researchers point out that the results of this are akin to having a credit score that is 71 points lower.

Other subtle forms of mortgage discrimination include a lender who tries to discourage an applicant from applying for a loan, and a lender who won’t give a reason for loan rejection.

Protect yourself by shopping for a loan among several different lenders. Only when you compare offerings will discrimination become obvious.

How to deal with discrimination

If you feel you’ve become a victim of mortgage discrimination, speak with the lender first. If the lender offers an unsatisfactory explanation of what happened, take additional steps.

First, notify your state’s attorney general’s office. Then, file official complaints with the U.S. Department of Housing and Urban Development and the Consumer Financial Protection Bureau.