Sunday, April 20, 2008

Selling Your House? Simple Gardening Tasks Can Help

When we think about getting a house ready to sell, we often focus on the structure itself. We ask ourselves if the walls need painting, should the carpets be cleaned or replaced, do any of the plumbing fixtures need to be repaired, etc. However, the item that is seen first, by every potential buyer that drives by your house, is your front lawn and garden. Spending some extra time on your landscaping before you list your house with a real estate agent can make a big difference in how long it takes a house to sell.

Think of it this way - would you feel comfortable with the idea of seeing a doctor if all the plants in his waiting room were dead? It sets up some negative emotions, doesn t it? The same thing happens when people drive by a house that is surrounded by dying, weedy grass, overgrown bushes, and cracked sidewalks. Since the impression is on a purely emotional level, it may be difficult for your buyers to overcome.

There s a good example of this problem right now, in my neighborhood. Although houses in my city are selling ast this summer, and they don t stay on the multiple listing service for very long, a For Sale by Owner sign has been in the window of a house down the street for months. The owner lives out of town, and probably purchased the house as a rental. Now that home prices are higher, he s ready to sell, but he can t take care of the yard himself because he lives too far away. He did recently hire someone to cut down the overgrown grass, but I suspect he did so only in response to a complaint from the city authorities.

This attitude on the part of the seller reminds me of that ancient saying "penny-wise, pound foolish".

Fortunately, it doesn t take a whole lot of money to get most yards looking good, and it can make a huge difference in the curb appeal of your house. It does, however, take time - especially if the grass has been neglected for too long. Some regular watering might revive it, but if things have gone too far, you may need to reseed the grass and start over. This might also be true in the back yard, if a large puppy or a team of budding football stars has worn ruts in the grass. The most important thing for the grass is to get it green again, and keep it mowed. If dandelions have taken over, a neighborhood kid might be willing to pull them out, if the price is right.

If bushes along your fence are badly overgrown, they may need a hard pruning. Some ornamental shrubs and small trees can be pruned at almost any time, but others must be approached with more caution. To see exactly how and when your shrubbery can be pruned, do a Google search for the particular type of plant, or find a good book on pruning at your local library. Overgrown Arborvitae growing near the house may need to be removed, as would any other fast-growing shrub that refuses to stay within its allotted space, and which would be nothing but bare sticks if it you cut it back.

If you do need to remove overgrown or dying foundation plantings, they can be replaced with fast-growing annuals or perennials. First dig the soil as deep as you can and add compost and plant food to improve the soil s fertility. Then ask your local nursery for suggestions - they ll be able to show you which plants will grow the fastest and fill in the empty space. If you put out a drip hose and attach a timer, you won t need to do much more than pull an occasional weed to keep it looking nice.

A friend of mine recently sold her house, which was surrounded by a beautiful cottage garden that took her years to build. She knew that most people don t have time to care for so many different plants, and would prefer to simply water and mow the grass - so she made sure to list her house when her garden was at its peak. Even if her buyer has to remove all those flowers because he can t take proper care of them, they still helped to create a positive impression with all that color. Her home, surrounded by masses of color, was on the market for only a few weeks.

You can easily add a few spots of color to your yard without planting a perennial border of creating a cottage garden. One exceptionally easy trick is to buy a large planter that matches the color of your house, fill it with one small shrub from the nursery surrounded by fast-growing annuals, and place it just beside your front door. It doesn t take much time, but it can add that little touch of life that makes your house feel more like "home" to your potential buyers.



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Friday, April 18, 2008

Shopping for a new computer

Shopping for a new computer My parents had not bought a new computer for seven years. In computer technology circles, that means their computer at home is archaic. Technology changes so fast, once you buy the latest new gadget, it automatically is old. They needed to start updating what they had so that they could install anything possibly new. They could not download a single song because they had no memory. They were still using dial up to access the computer and so it was often impossible to get a hold of them- their phone was busy and it took them hours to get online. My mother would often go to the library rather than wait for her own computer. We decided to go shopping to get them a brand new computer. Because it had been awhile since I had even bought a new computer, there was a lot I didn t know and a lot of new information about key products, like choosing a computer mouse, a keyboard or screen. My brother, who was involved with more high tech equipment at work, came along to purchase touch screen panel for work. When we arrived at the computer store, they asked us what we were using our computer for. We let them know it was a personal computer and it wouldn t be used much for anything other than email and letter writing, the occasional card and definitely for downloading photos and music. My brother said that he was looking for touch screen panel with a capacitive sensor and character recognition. The salesperson called another salesperson, who was more knowledgeable about more technical products, over for assistance. Our salesperson showed us several models of the latest styles of computers. My parents decided they wanted a laptop and not a computer with a separate monitor. One decision down. The salesperson showed us different styles of keyboards and a variety of computer mouse styles. There was the touchpad, the track pad and a touchpad keyboard. So many options to choose from. A touchpad keyboard had a touchpad built into the keyboard- a built in mouse into the laptop. A touchpad or a track pad could be bought separately, a wide type of mouse with sensors beneath a thin screen- allowing you to move about the laptop screen with ease. It really is a substitute for a mouse. Most often called touchpads now- they were called track pads at one time. The salesperson let us know that we could find touchpads in PDA s, personal digital assistant like an organizer such as a palm pilot. So my parents decided to get a laptop with a touchpad keyboard- already as part of their new computer. They bought new software and anti-virus protection as well as a small camera to talk to our relatives in Saudi Arabia. Overall, a fantastic purchase. My brother found the touch screen he was looking for, complete with character recognition and a capacitive sensor. A month later, I got an email from my parents who had decided to trade in their laptop and get a side by side monitor set complete with 80 gigs, touch screen panel and a digital camera to create movies. They went from archaic to futuristic! They took all of our home movies and turned them into high-tech dramas with soundtracks and special effects. I thought about the dramatic difference between what they use to have and what they have now. I was very proud of my parents for embracing technology and making the most out of their new system.
About the author: Melissa Peterman is a web content specialist from Innuity. For more information about a track pad , touchpad, touchpad keyboard , computer mouse, touch screen panel or character recognition or capacitive sensor , go to www.cirque.com.



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Friday, April 11, 2008

6 Simple Tricks When Buying A New Rug

Subtly changing the look of your home is as easy as decorating with rugs. Fortunately, rugs are an easy way to update the look of your home without taking away from current colors or designs, and often times rugs are more affordable than other decorating elements. In addition to this, if you move, you simply take the rugs with you. Or, you can use them during different seasons or different areas of your home. However, when shopping for rugs to decorate your home you do need to keep certain tips in mind regarding colors, patterns, location, and treatments of the rugs.
Color is important to consider when shopping for rugs because it affects the way the room will appear. So, if you are decorating a room that is painted a dark color, then you might consider buying a lighter colored rug to add contrast and open the room up a bit. Also, if you are buying rugs for rooms that are painted bright colors or have bright colored fabrics and furniture, then you will want to buy rugs that are more neutral toned so as to complement the current color scheme. However, if you are decorating a room that is painted a light or neutral color with little or no design, then buying a brightly colored and designed rug is a good idea because it will give the room personality and color immediately.
Patterns should also be considered when shopping for rugs because you want all of the patterns in a room to blend well and complement each other. Having multiple patterns that are contrasting takes away from the comfort and design of the room. So, make sure your current patterns whether they be in curtains, other fabrics, wallpaper, you name it, are complemented by the pattern in the rugs you buy to decorate with.
Another thing to keep in mind when buying rugs is where you want to use the rug. Ask yourself whether you are buying rugs for high traffic or low traffic areas, because this can have a significant impact on the color and designs that will work best for you. Rugs for high traffic areas are better if they are dark and patterned because dirt does not show up as easily. However, rugs for low traffic areas can be any color, even light colors if nobody uses the area very often.
Finally, keep in mind if you will be buying rugs for your bathrooms or other areas that will be exposed to water on a regular basis. If you are buying rugs for these areas then make sure they are treated for water exposure or else the rug will not have much durability and will possibly mildew.
All of these tips are important to consider when you are shopping for rugs because when you want to update your home you want to make it better. So, make sure you keep these tips in mind when shopping for rugs.



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Consolidate Credit Card Debt And Eliminate Debt With A Home Equity Loan

National surveys shows that in average American households carry a credit card balance of approximately $10,000. Many find that it hard to reduce their debts especially credit card debts due to it high financial charge, interest rolled from month to month because most of them just pay the minimum payment each month, causing their debt snowballing and at last they may trap into financial crisis.
While bankruptcy is a tempting option, it is important to explore other alternatives for eliminating debts. Debt settlement with a debt consolidation loan is a better option that bankruptcy. And if you own a home, you are at a much better position to get rid of your debt by consolidating your high interest credit card debt with a home equity loan.
Benefits of a Debt Consolidation Loan
Although a debt consolidation loan is not a magic way to eliminate your debts overnight, but it can help you to reduce your debt faster. As you know, credit card debts and other personal loans are high interest debts. In most cases, your minimum payment barely covers the interest incur by these high interest debts. Hence, you find it difficult to reduce these high interest debt s balance if your are paying just the minimum payment.
If you lump all your credit cards debts and other personal loans into a consolidation loan, you can take advantage of lower interest rates and lower monthly payments offered by a consolidation loan. This enables you to enjoy debt free with a few years.
Conslidate Debts With Home Equity Loan
There are various ways to obtain debt consolidation loan. You could apply for personal loan or any unsecured loan with reasonable and lower interest rate as compare to your current debt s interest rate and consolidate your debts into this loan. But, to obtain an unsecured loan, you need to have a good credit score else you loan application most probably will be rejected.
The best way to consolidate your credit card debts or any other high interest debts is using a home equity loan. Of cause, you need to own a home in order to apply for a home equity loan. Home equity is ideal for you to consolidate your credit card debts because the interest is much lower interest rate than credit card and other unsecured loan. And the best part is it normaly have different terms or repayment periods for you to choose from. The longer the repayment terms, the lower the monthly payment is. If your current financial is tight, you could choose the longer repayment term and pay more when you are at better financial situation.
With a home equity loan, your equity works as the collateral. If your home equity is $50,000, you could obtain a loan up to this amount. You could use this home equity loan to clear up all your credit card balances plus other loans; and you just need to focus on making a single monthly payment to your home equity loan.
Some Caution On Using Home Equity Loan To Consolidate Your Debts
Although consolidate all your credit card debts with a home equity loan is an ideal way to settle your high interest rate outstanding debt. You should use the fund wise, borrow just what need to clear your consolidated debts and avoid accumulating new debts while working on clearing your home equity loan. Failure to repay a home equity loan will result in losing your home.
In Summary
If you intend to pay off your debts, consolidating all your debts and pay them off with a home equity loan is a good option. There are tax advantages with a home equity loan and you could also take the advantages of lower interest rates and lower monthly payments offered by a home equity loan.
Cornie Herring is the Author from http://www.StudyKiosk.com. An informational website on credit basics, debt consolidation & bankruptcy. Learn more about money from our Money Lessons.



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