Thursday, April 30, 2009

Video on Home Repair, Large Hole in Your Wall

Great video on how to fix a hole in your wall .

Greg Vanden Berge is working on the internet to promote the education for creating simple to follow guides and home building books to help professional building contractors as well as the weekend warriors. He has just finished a Home Buyers Guide to take some of the frustration out of home shopping.

If your looking for some more home inspection or home building ideas.

Roof Repairs

Wednesday, April 29, 2009

Credit Repair - Understanding Charge Offs

"Charge off" is an accounting term that creditors use when they assume after a period of delinquency that they are not able to collect on a debt that is owed to them. Creditors write that debt off as a loss against their income taxes. Just because a debt is charged off (or written off) does not mean the debt is forgiven. The money is still owed. The creditor will usually sell or assign the debt to a collection agency or a lawyer to effect collection.

Some companies continue to charge interest, but most don't. If they do decide to keep charging interest, they have to continue to report it as income. Most companies would rather just write it off and be done with it.

Having charge offs on your credit report usually results in the consumer being denied credit by other lenders. Even worse, it can also affect the interest rate that other lenders charge on current debts even if those lenders were not impacted by the charge off themselves.

If you find yourself late on your payments, you should always try to contact the lender and let them know you are having problems meeting your financial obligations. Ignoring the situation and letting it get to charge off status always makes it worse. You can usually avoid your account being charged off by at least letting them know you intend to pay and by at least making small payments as often as you can.

If you already have charge offs on your credit report, it is possible to have them removed. You can try to contact the original creditor and arrange a payment plan in exchange for them removing the charge off once it is paid. It doesn't hurt to ask them how it can be resolved or removed. You can also dispute it with the credit bureaus.

It's much easier to get a paid charge off removed from your credit report than it is an unpaid charge off. When you dispute the charge off with the credit bureaus, they have 30 days to verify the account with the creditor. If the account is paid, many times the creditor will just ignore the verification request. They really only report charge off so that they can damage your credit hoping that it will turn make you want to pay them off. It's highly unlikely that they would ever ignore a dispute if you still owe them money.

Learn more about how to remove charge offs from your credit report at the credit repair authority site.

Home Mold Repairs

Figuring the Lumber For Interior Wall Framing - Home Remodeling

Framing a new wall, anywhere in the home will not be very difficult to do. However, removing an interior wall on the other hand could be an enormous task and create some big problems, especially if you remove a loadbearing wall. A loadbearing wall would be something that is holding up another section of the home, like the roof or the floor.

If you're not removing or moving a wall, framing a new wall is a task that most homeowners with very little skill can do quite easily. Let's start with the basics, most walls are built from 2 x 4 framing lumber, which can be purchased at any lumber yard or home improvement center.

Let's start with measuring the length and the height of the wall. For example let's say that the wall you intend to frame is going to be 8'7" long and 8 foot tall. If I was going to figure the lumber for this wall, or how much material I would need. I would start with some simple arithmetic.

We need one bottom plate and one top plate. This would be the lumber that's going to run horizontal or right to left in our wall. So now we know that we need two pieces that will be 8'7" long and since they only sell lumber in 2 foot increments, our choices will be narrowed down to a couple of 10 foot two by fours.

The height of the wall is 8 foot tall and will require us to buy 8 foot two by fours. Now how many two by fours am I going to need? Most walls require 16 inch on center placement of the vertical two by fours, or in other words the two by fours that go up and down will be spaced 16 inches apart. If I was to divide 16 inches into 8'7", that would require 7 - 8 foot two by fours.

It's pretty simple math and don't forget to convert your measurements into inches to make the job easier. 8'7" can be converted to inches by multiplying the number of feet times 12, 12 times eight and then adding 7 to it will give us 103 inches. We can now divide 16 into 103 inches to give us the amount of vertical two by fours needed to frame our interior wall.

Don't forget there's 12 inches in a foot.

House Wood Damage or Wall Framing Tips

Greg Vanden Berge is working on the internet to promote the education for creating simple to follow guides and home building books to help professional building contractors as well as the weekend warriors. He has just finished a Home Buyers Guide to take some of the frustration out of home shopping.

Termite Damaged Sole Plate

Tuesday, April 28, 2009

Kitchen and Bathroom Remodel - How Do You Begin?

Kitchen and bathroom remodels are on the rise as many people are deciding to invest in their existing homes instead of trying to sell their home and buy a new one. While the return on investment can be great, the details involved with making it all happen are often overwhelming.

The key to successful remodeling projects is having a plan in place that identifies all the major functional and aesthetic items needed to complete the job even before one hammer stroke is made. Setting up a binder or a accordion style file folder to organize all of the information you need to collect is crucial. Your contractor is going to be asking you for decisions on the big things such as flooring and counter top materials, and the small things such as cabinet hardware and towel holders. You should ask your contractor for a project plan so you are aware of the flow of work and can anticipate what materials will need to be selected and paid for, and what level of disruption you will be experiencing at the various stages of the project. Often plumbing fixtures and decorative lighting need to be ordered and there can be a lead time of up to two months. If your flooring or counter top materials are coming from over seas, there can be a three month or longer lead time.

Although it may seem counter intuitive, hiring a professional interior designer to assist you can actually save you money in the overall scheme of things. A professional designer will be able to select finite options for you to chose among, and has knowledge about the pros and cons of building and design materials. He or she will be able to help you make educated choices about where you can save money, and where there is a firm link between price and quality.

About the author:

Suzanne Lasky, Allied ASID is the owner of S Interior Design. S Interior Design makes homes harmonious, functional and beautiful for families with 2-legged and 4-legged members. Suzanne has an M.B.A. and an A.A.S. degree in Interior Design. Suzanne offers years of real world experience, giving her clients the peace of mind to know that their projects will be professionally handled from start to finish. She is an experienced residential and small commercial interior designer and is the exclusive provider of Pawprint Design Services 'Stunning Interiors with Pets in Mind'.

For more helpful tips-visit http://www.sinteriordesign.com

Copyright 2007 Suzanne Lasky, All Rights Reserved, http://www.sinteriordesign.com

You have permission to re-publish this article as long as the Resource Box is included with the article. All rights reserved.

Moisture Problems In Crawlspace

White Kitchen Cabinets and Kitchen Design

Today the most popular type of home improvement homeowners are wanting and doing is kitchen remodeling. Kitchens are the main attraction and social center of your home for preparing meals for your family and for friends a comfortable place to socialize and gather. Kitchen design and planning is most important step for you to achieve the personal look, practical use and customized to meet you and your family's lifestyle and needs. One of the most popular colors kitchen designers choose is white. White kitchen cabinets can be used to make a subtle design statement or portray a very dramatic distinctive look. The color white speaks for itself and depending on the style of kitchen cabinetry and door style you can create a look that fits your personality. White kitchen cabinets are used for many different decor such as contemporary, traditional, country, French country, English, shaker and many more. There are also many choices of material used for kitchen cabinets like; plastic laminate, white painted wood, high gloss lacquer, vinyl foil, white stain and white washed finish - all having their our design statement. Each of these styles has a distinctive look and can reflect your own personality.

White kitchen cabinets make color choices for accessories and countertops somewhat easier to choose an accent color theme throughout the kitchen and surrounding rooms. Using white color cabinetry in any of the styles mentioned can accomplish a design which is timeless and stay stylish for years to come. Contemporary style white gloss finishes give a very sleek modern look, while white painted wood raised panel door styles can give a warm traditional feeling in a kitchen. The flooring and countertop colors are the main accent areas and can drastically give different moods with different colors. A white traditional style cabinet with wood flooring is very popular and makes the kitchen feel very inviting and warm. Adding granite countertops to this combination again can totally change the mood of the kitchen depending on the color and texture.

The color choice for appliances is also very important and contributes to the total design statement. I would suggest if you are planning a traditional style kitchen use matching white wood front decorator panels on the dishwasher and refrigerator fronts as they will blend in better with the total look and use your choice for ovens, cook tops and sinks as stainless steel or black. In a contemporary style kitchen many designers choose to accent all appliances with contrasting colors to create a more dramatic look. In the past many people felt that white kitchen cabinets were only for showrooms and thought white was too much work to maintain. With today's new wood finishes and synthetic materials white kitchen cabinetry is as easy to maintain as any other stained color. White kitchen cabinets have been in style for the past 20 years and show no signs of going out of the style trends to date. It is much easier to change color themes from time to time by changing window treatments, place mats and countertop accessories with new accent colors if you choose.

Waterproofing Basement Walls - Can You Handle it Yourself?

Are you considering waterproofing basement walls in your home? Have you decided that you are sick of having leaks and cracks in your basement walls and you are ready to do something about it? There are only two real options when it comes to waterproofing a basement. Here are your options and what you should do.

First, you can always do it yourself and some people will find this very cost efficient and productive for them. If you like to work with your hands and fix things, and you are good at it, then this might be for you.

You will need to prepare the walls by getting rid of all loose mortar, dirt, and any other contaminants. Also, make sure to use a wire brush and get rid of any old paint. These things can keep your waterproofing from working correctly and can cause leaks in the future.

Then, you will need to fill in all the cracks and scratches with a good concrete solution made for basements. After you have done this you need to find a very good quality waterproofing solution that is made for basement.

Now, do not make the mistake of only using one coat. Make sure you use at least 2 coats and you are much better off if you just go ahead and use three coats to be safe.

If you do not want to do this job yourself you can hire a licensed contractor to do it for you. They will give you an estimate, which better be free, and they will tell you what you need to protect your home. You need to make sure they have plenty of experience with waterproofing basement walls and that they have a good reputation. This will ensure that you get the quality job you want and do not have to worry about your basement anymore.

Get the Waterproofing Basement Walls you desire and stop your basement from flooding here"

Waterproofing Basement Walls

Sunday, April 26, 2009

Start Budgeting For Your Very Own Sunroom

It only takes a few weeks before you can enjoy in your very own sunroom. However, if not properly managed, the money you need to spend on the sunroom would go sky-high. Because of this you need to properly monitor the different expenses when it comes to building your very own sunroom. You also need to determine the materials and the quality of sunroom you want so you can create your budget and prevent overspending. In most cases, the cost of sunroom construction would go as low as $10,000 and as high as $70,000. And the do-it-yourself sunroom kit is applicable to those who want to trim down their expenses on sunroom construction. The figure on the sunroom costs mentioned above may still alter and this is due to the material cost, style, design, flooring system and the labor cost you will choose. If you have a bigger budget, then you can go for the more elaborate designs. But if you think that your budget is only at the minimum, there are still excellent sunroom designs and materials that can give you full satisfaction without having to break your bank account.

Sunrooms are getting more and more popular among homeowners today because of the practicality it offers. As compared to the traditional rooms, the cost of building a sunroom is a lot more economical. Read on, so you can have a clear idea on the expenses you need to shell out when planning to build a sunroom. In the labor charge aspect on constructing the stairs, you need to have an approximate of $300. Other expenses which would cover the labor charge also include the roofing and the flooring systems. If all these combined, you need to have at least $12,000 for the labor charge alone. The sunroom materials are also the determining factors on how much money you need to spend. For those on a limited budget, you can opt for the vinyl as it is more inexpensive as compared to the costs of aluminum sunroom. But if you have all the money to spend, then you can settle for the wood. Though wood is the most expensive, it is the one that needs regular care and maintenance to prevent premature damage.

Of course, a sunroom would never be complete without the furniture. As we all know, sunroom is also synonymous to wicker furniture. These two are the considered as the perfect combination. Wicker furniture is also economical but it also endows the entire room with an earthy and natural appeal.

If all the budgetary constraints are settled, then you can now start building your very own sunroom. Once finished, this place would serve as your haven for relaxation and a nice place to spend your quality time with your friends and loved ones. All these can be enjoyed if you properly plan the important aspects in building a very cozy sunroom. Don't let money hinder you from having a sunroom of your own. Choices are so varied so this gives you no excuse to not have one on your home.

Andrew Caxton is the author of many articles published online.Learn more about sunroom kits and diy sunroom kits at http://www.allsunrooms.com/kits.html

Wood Post And Beam Connection

Major Remodel and Home Additions

Whether you are planning to do a major remodel or you want to do a major home addition, there are going to be so many different things to keep in mind. After all, many people don't realize what they are getting into when they start a room addition or a remodeling addition to their home. You'll find that there is much to think about before you get started and as the addition or remodel occurs. There are quite a few concerns, you have the remodel or home addition cost to think about, and there are various issues that can crop up. So, it's important that you know about these things before you get started. Here's a closer look at the costs associated with a remodel or home addition, some of the top concerns when you are remodeling in your home, and a few remodeling and addition issues that you'll need to keep in mind.

The Costs of a Major Remodel or Home Addition
First of all, when it comes to a home addition or even a major remodel on your home, you'll find that there are a variety of different costs. It's best to find out about them up front rather than to be shocked about them in the future. If you are going to have someone design the addition or remodel, then you'll have to pay for the designing. Permits to do the house addition are also going to cost you once the project has been appraised. Site preparation, foundation work, plumbing, electrical work, and cooling and cooling are all going to cost as well. Don't forget you'll have to pay for sheet rock, shingles for the roof, siding, flooring, and more. Of course the windows, doors, appliances, fixtures, and the finish work is going to cost you too. So, as you can see, there are definitely some major costs that you'll need to be aware of.

Top Concerns When Remodeling
When it comes to a remodel addition, there are many concerns that you should be keeping in mind as well. Here are some of the top concerns that you'll need to have when you are going to add a new addition or a remodel to your home.

- The Cost - Of course as mentioned, the cost of the home addition is definitely going to be a concern. In fact, many people find out that the addition they wanted ends up costing them so much more than they ever planned on. This is why it's important to take care of this concern by coming up with a budget that you can stick to when you are doing this type of home project.

- Finding the Right Contractor - Another important concern to keep in mind is finding the right contractor for your needs. You need to insure that you get a quality remodeling or addition contractor that can help you complete your project. Of course there are many things to consider when it comes to picking out a great contractor. Insurance, license, experience, and price are all important things that you should be considering.

- Environmental Concerns - Environmental concerns should also be kept in mind when you are getting ready to do an addition to home. Whether it is a small addition or a large room addition, you want to consider how you are going to affect the environment of your home with the addition that you want for your home.

- Integrity of the Structure - The integrity of the structure should also be kept in mind when it comes to home additions as well. You want to ensure that nothing is done to the home that is going to cause a problem with the structure of the existing home.

Remodeling and Addition Issues
Whether you are doing a remodel or an addition in the Twin Cities, there are several different issues to keep in mind that you will definitely need to consider. Make sure that you consider these issues carefully no matter whether you are doing a small addition or a remodel on your home.

- Plenty of Storage Space - Make sure that you have plenty of storage space. This can be a major issue whether doing a remodel or an addition. If you don't have enough storage space, you are going to regret this in the future. So you should take careful measures to ensure that you have enough space to provide excellent storage for you.

- Adequate Floor Space - Adequate floor space is another issue that you should keep in mind when it comes to your home design. No doubt you want to make the best out of the floor space that you have if you are doing a remodeling project. However, if you are doing a home addition, you'll want to make sure that you design in enough space for your needs.

- Having the Needed Permits - Last of all, the needed permits for building home addition is going to be imperative. Without the right permits, you could end up getting fined. So, do your research. Find out what kind of permits you are going to need to complete the project.

If you are looking to obtain mortgage financing for a remodel of a home or second home in Minnesota, please vist our Minnesota mortgage brokerage at http://www.VentureLoanApp.com John Mazzara is involved with financial services in the Twin Cities, MN. Officing out of Edina, Minnesota-John is centrally located within the 7 county MN metropolitan area. John owns three separate businesses-a licensed real estate broker associate selling Minnesota real estate since 1986-affiliated with RE/MAX Associates Plus http://www.MinneapolisStPaulHomes.com , an independent CFP-certified financial planner since 1989 with an independent Minnesota financial planning firm-Financial Planning Associates and the owner of a Minnesota mortgage broker firm-Venture Development Inc-specializing in residential, commercial and investment mortgages for purchases of single family homes, investment properties and commercial property. Venture brokers FHA, VA, Conventional loans and lines of credit. If you are looking for someone to help you in the areas of real estate sales/purchase, mortgages, or and/or financial planning and insurance you should call John for a free 1 hour consultation to see if he can meet your needs. 952-929-2577. RE/MAX Associates Plus and Venture Development are located at 7300 France Ave S, Suite 410, Edina, MN 55435

Moisture Barrier On Crawlspace

Learn About Bathroom Vanities

There are many lessons to learn about bathroom vanities, and hopefully homeowners will take the time to learn them before starting a massive and expensive project. What are some tips to remember when decorating your bathroom with a vanity?

1. Make the Bathroom Vanity the Central Piece
This not only applies in decorating the bathroom but also when starting the remodeling process. It's best to figure out what type of bathroom vanity you want to use as the center of the bathroom long before you start tearing into walls. Some bathroom vanities just demand to be the center of attention, while others tend to more easily adapt to the surroundings.

2. Use Color to Your Advantage
Remember that lighter colors make the bathroom seem bigger. Darker colors will make the room seem smaller. This applies not only with wallpaper and paint but also with the color of your bathroom vanity. If you are ordering an antique cherry vanity, then hopefully you have sufficient space in the room, otherwise you may be creating a claustrophobic atmosphere.

3. Use Mirrors to Your Advantage
Have you ever been in a restaurant with a large wall mirror and mistakenly though the room was much bigger than it really was? Mirrors can cast illusions in a large property like that, and do just the same for a small bathroom. Adding a large mirror in a medium sized bathroom may actually cause the room to look much smaller than it is. If your bathroom seems to be missing something and seems a bit "empty" then adding a medium sized bathroom vanity mirror could turn out to be a beautiful addition.

If you are looking for a bathroom vanity, visit ModernBathroom.com for a full preview of their online selection. This online store offers a 110% low price guarantee.

Water Stains On 1x6 Roof Sheathi

Stair Building Video For Decks

Stair building tips for installing lights and decking, handrail tips and some deck advice.

For more helpful home improvement information visit: http://www.gregvan.com

Stair Building Tips

Don't Let Your Roof Repairs Go Sky High!

Before you go to the expense of calling in a roofing contractor, see if you can analyze and repair your roof problem yourself. The best possible time to repair your roof problem - is as soon as you realize that you have one and if the weather is calm enough to climb up onto the roof. In fact, this could be further qualified by saying that the best and most economical way to a trouble-free roof, is to inspect the roof regularly, so that you see the problem developing.

A leak from one dislodged tile is a small and inexpensive matter, but if you do not inspect your roof regularly, this will go unnoticed. By the time that you DO notice it, it may be because water is dripping into your spare room! This means that this whole area of the roof structure is soaked, the ceiling will need to be replaced and hopefully the flooring will recover.

Always check your roof after a wind storm, as most roofing is not designed to withstand fierce winds. Scrutinize the tiles for cracks, splits and torn-off corners; also check for lifting. Lifting is a common cause of roof leaks, and can be easily rectified. Be aware of multiple tiles lifting, as this could be a sign that the roofing material is too old and is warping from all the weathering.

Climb into your attic/loft and ensure that any insulation that you have in your roof is not right up against the roof itself. There has to be a gap for air to circulate; also when a roof heats up and there is insulation directly behind it, this heat is thrown back into the roofing and excessive heating like this can damage and warp the roof.

Another weakness in all roofs is the flashing. Flashing is designed to provide a watertight junction between roof materials and structure, especially if the roof projects out or changes design (as with extension roofs). If you are installing a new roof, it is worthwhile to get the flashing 'inspected' as it is a common failure area.

Often the simple fact that the gutters, leading into down pipes from the roof, are blocked with leaves and twigs can cause a problem. Roofs must have adequate run off, especially in the areas which may have snow. Water trapped in the gutter will mean that it will back up the roof for a few inches and have time to seep into the edges of the roofing tiles. Not all homes have adequate perimeter protection on their roofs, although this is one good feature to ask for on a new roof.

Quite often homes incur roof leaks all at the same time (often after strong gales winds and torrential rain etc). This can mean that all contractors are busy and you have 'stop up the leak' until you can get help.

If you do get a leak, and you have placed buckets under the dripping water, be aware that the leak may be in a completely different place than it would seem. Locating the source is difficult, as water can run along horizontal timbers and appear to be leaking from a place that is sound. Getting up into the attic and actually looking for a wet spot on the roof decking will be an accurate way to tell.

If you can find the spot an emergency patch can be made applying roofing felt and using plastic cement to hold it until you can call in a contractor. You can also attempt to repair it yourself, if it is just a shingle that is damaged. You can carefully prize up the roof shingle by removing the three or four nails that are holding it in place; next, apply a generous coating of tar beneath the tear in question, and also coat the underside of the shingle with a with a coat of tar before putting it back in place. Add a spot of tar to each nail head. Most roofing companies advise against the 'liquid' asphalt repair products.

Roofs can also be temporarily repaired using roof membrane and sealants. Care must be taken to clean the roof surface first to ensure that the sealant will stick and keep the leak protected from rain etc. In fact, as long as the roof is clean and dry, the wonder of the 20th. Century - duct tape - can also be stuck onto the roof!

Virginia Wherland is an experienced Minneapolis real estate agent. Virginia and her team can help you find the property you need in the Eden Prairie real estate market. Get more information at AssociatesRealty.net

Feng Shui Books