HOMEOWNER
HOW TO How to improve your home’s curb appeal
FAMILY FIRST Things to consider when building an in-law suite
FUTURE HOMES strive to be energy self-sufficient
2
2FWREHU ‡ The Anniston Star
3 Room Special
2[IRUG &DUSHW
$
399
.00
Berber or Plush. You Choose.
Includes padding. May substitute one room with vinyl. (Based on 48yd 432 Sq. Ft. Installation not included.)
Great o t n o i t c sele ! m o r f e choos
First Quality Shaw Products
OXFORD CARPET SALES & FLOORING 256-835-2155 Open 9am - 5pm Monday - Saturday 5120 Highway 78W Oxford, AL 36203 Visa & Mastercard accepted. Free estimates.
10
4
3
What’s Inside 2
Did you know?
3
,QH[SHQVLYH ZD\V WR update a home now
4
+RZ WR LPSURYH \RXU KRPH·V FXUE DSSHDO
5
&RQFUHWH YV $VSKDOW 'ULYHZD\V
6
7KLQJV WR FRQVLGHU ZKHQ EXLOGLQJ DQ LQ ODZ VXLWH
8
7KLQJV WR FRQVLGHU EHIRUH UHÀQDQFLQJ \RXU PRUWJDJH
9
)XWXUH KRPHV VWULYH WR EH HQHUJ\ VHOI VXIÀFLHQW
10
)LQDQFLQJ D KRPH LPSURYHPHQW SURMHFW
10
+RZ WR VDYH RQ KRPH LPSURYHPHQW SURMHFWV
11
Did you know?
Did you know?
According to Remodeling PDJD]LQH·V ´&RVW 9V 9DOXH 5HSRUW ´ UHSODFHPHQW SURMHFWV SHUIRUP EHWWHU LQ UHVDOH YDOXH WKDQ RWKHU W\SHV RI UHPRGHOLQJ SURMHFWV 6LGLQJ ZLQGRZ DQG GRRU UHSODFHPHQW SURMHFWV DOO UHFRXS EHWZHHQ DQG SHUFHQW RI WKHLU LQLWLDO FRVWV 5HSODFHPHQW
SURMHFWV SHUKDSV UHFRXS VR PXFK YDOXH EHFDXVH ZLWK WKH H[FHSWLRQ RI URRÀQJ SURMHFWV HDFK RI WKH SURMHFWV H[DPLQHG LQ WKH UHSRUW DUH SULFHG DW OHVV WKDQ 5HSODFHPHQW SURMHFWV DOVR WHQG WR UHO\ KHDYLO\ RQ GXUDEOH ORZ PDLQWHQDQFH SURGXFWV UHGXFLQJ WKH RYHUDOO FRVW RI WKH SURMHFW ZKLOH KHOSLQJ RZQHUV HYHQWXDOO\ UHJDLQ PRUH RI WKHLU LQYHVWPHQW ,Q DGGLWLRQ UHSODFHPHQW SURMHFWV DUH NQRZQ WR LQVWDQWO\ LQFUHDVH FXUE DSSHDO KHOSLQJ KRPHRZQHUV PDNH D VWURQJ ÀUVW LPSUHVVLRQ ZLWK SURVSHFWLYH EX\HUV
7
The Anniston Star 2FWREHU
3
Inexpensive ways to
update a home now
2IWHQWLPHV EX\LQJ D KRPH RSHQV XS D ERWWRPOHVV SLW RI RSSRUWXQLWLHV IRU SURMHFWV DQG LPSURYHPHQWV :KLOH VRPH KRPHRZQHUV HQJDJH LQ GLIIHUHQW UHSDLUV DQG À[ XSV RXW RI QHFHVVLW\ PDQ\ RWKHUV OLNH WR IUHVKHQ XS WKHLU VSDFHV RXW RI SHUVRQDO SUHIHUHQFH LQVWHDG RI QHHG %XW HYHQ WKH PRVW ZHOO LQWHQWLRQHG SURMHFWV FDQ EH ZD\ODLG LI EXGJHWV DUH WLJKW
:KDW PDQ\ KRPHRZQHUV PD\ QRW UHDOL]H LV WKDW WKHUH DUH PDQ\ ZD\V WR PDNH XSGDWHV DQG FKDQJHV WR D KRPH WKDW GR QRW UHTXLUH D PDMRU RYHUKDXO RU D ODUJH SULFH WDJ 7KH IROORZLQJ DUH VHYHQ SURMHFWV WKDW ZRQ·W EUHDN WKH EDQN
5
3
0RYH DURXQG IXUQLWXUH <RX PD\ EH DEOH WR FKDQJH WKH ORRN RI D URRP ZLWKRXW VSHQGLQJ DQ\ PRQH\ ,QWHULRU GHVLJQHUV NQRZ KRZ WR DUUDQJH IXUQLWXUH IRU PD[LPXP DSSHDO EXW WKH DYHUDJH KRPHRZQHU FDQ GR LW WRR )LQG D IRFDO SRLQW LQ WKH URRP DQG DQJOH WKH IXUQLWXUH WRZDUG LW 'RQ·W PDNH WKH IRFDO SRLQW WKH WHOHYLVLRQ KRZHYHU 7U\ FKDQJLQJ WKH SODFHPHQW RI FKDLUV DQG VRIDV 6LPSO\ PRYLQJ D FXULR FDELQHW IURP RQH FRUQHU WR DQRWKHU PD\ DOVR PDNH D GLIIHUHQFH
$GG OLJKWLQJ /LJKWLQJ DW GLIIHUHQW OHYHOV LQ WKH URRP FDQ FUHDWH D YLEUDQW LPSDFW 0DQ\ KRPHRZQHUV PLVWDNHQO\ SXW LQ D FRXSOH RI WDEOH ODPSV DQG WKLQN WKDW ZLOO EH DGHTXDWH +RZHYHU SURSHUO\ LOOXPLQDWLQJ D URRP PHDQV YDU\LQJ WKH OLJKWLQJ WR FUHDWH GLIIHUHQW PRRGV DW GLIIHUHQW WLPHV 3OXV PRUH OLJKW FDQ PDNH D URRP IHHO PRUH ZHOFRPLQJ
8VH SODQWV (PSW\ FRUQHUV RU VSRWV \RX·UH QRW FHUWDLQ KRZ WR ÀOO PD\ EHQHÀW IURP D SODQW 3ODQWV DUH LQH[SHQVLYH ZD\V WR DGG LQVWDQW FRORU DQG YLVXDO DSSHDO WR D URRP 3OXV KDYLQJ OLYH SODQWV FDQ KHOS LPSURYH LQGRRU DLU E\ ÀOWHULQJ RXW FRQWDPLQDQWV $ KRPH ZLWK SODQWV DOVR IHHOV PRUH FR]\
6
7
$GG QHZ SLOORZV RU GUDSHV &KDQJLQJ D IHZ DVSHFWV RI D URRP FDQ JLYH LW DQ HQWLUHO\ QHZ ORRN ,I \RX ZDQW WR DGG D VSODVK RI FRORU EXW GRQ·W NQRZ ZKDW WR GR WKLQN DERXW LQFRUSRUDWLQJ VRPH QHZ WKURZ SLOORZV RU FKDQJH WKH FXUWDLQV $Q DFFHVVRU\ KHUH DQG WKHUH LQ D EULJKW FRORU DOVR FDQ LQFRUSRUDWH D QHZ KXH ZLWKRXW LW EHLQJ RYHUZKHOPLQJ
&KDQJH NQREV RU VPDOO DFFHQWV *LYH D URRP D QHZ ORRN E\ IRFXVLQJ RQ WKH VPDOO GHWDLOV 6ZLWFK RXW FDELQHW NQREV IRU VRPHWKLQJ XSGDWHG DQG PRGHUQ 7DNH LQYHQWRU\ RI ZDOO RXWOHWV DQG OLJKW VZLWFKHV DQG WKLQN DERXW VHOHFWLQJ QHZ RQHV WKDW FRRUGLQDWH ZLWK \RXU KRPH GpFRU
+DQJ QHZ ZDOO DUW ,W PD\ EH WLPH WR ORRN DW \RXU SKRWRV DQG DUWZRUN DQG PDNH D IHZ DGMXVWPHQWV )LQGLQJ QHZ SULQWV WR KDQJ FRXOG LQVWDQWO\ FKDQJH D URRP·V DPELHQFH $QG \RX QHHGQ·W VSHQG D ORW RI PRQH\ RQ SURIHVVLRQDO SKRWRJUDSK\ HLWKHU *UDE \RXU FDPHUD DQG WDNH D IHZ FORVH XS VKRWV RI ÁRZHUV RU WDNH LQ D ODQGVFDSH VFHQHU\ 0DQ\ RI WRGD\·V KRPH SULQWHUV FDQ SURGXFH SURIHVVLRQDO TXDOLW\ SULQWV LQ PLQXWHV
7U\ D QHZ FRDW RI SDLQW $IWHU \RX·YH H[KDXVWHG RWKHU DYHQXHV FKRRVLQJ D QHZ SDLQW FRORU PD\ EH WKH QHZ ORRN \RX GHVLUH 3DLQWLQJ LV RQH RI WKH OHDVW H[SHQVLYH \HW PRVW GUDPDWLF PHWKRGV RI FKDQJLQJ D KRPH·V LQWHULRU :LWK GR]HQV RI KXHV WR FKRRVH IURP DQG QHZ DSSV WKDW HQDEOH \RX WR WDNH VQDSVKRWV RI WKLQJV LQ QDWXUH RU LQ \RXU OLIH DQG PDWFK WKHP XS WR D SDLQW FRORU \RX ZLOO KDYH VFRUHV RI RSSRUWXQLWLHV WR H[SORUH IUHVK QHZ FRORUV IRU \RXU KRPH :KHQ \RX JHW LQVSLUHG WR PDNH LPSURYHPHQWV WR WKH KRPH EXW IHDU KRZ PXFK LW PD\ WDNH RXW RI \RXU ZDOOHW FRQVLGHU LQH[SHQVLYH WULFNV WKDW FDQ LQGXFH D ELJ ´ZRZµ IDFWRU
4
0
2FWREHU The Anniston Star
How to improve \RXU KRPH·V FXUE DSSHDO Ensuring a home’s primary entryway is welcoming and well-groomed is one way homeowners can improve curb appeal.
HQ DQG ZRPHQ ZKR KDYH WULHG WR VHOO D KRPH DUH OLNHO\ IDPLOLDU ZLWK WKH SKUDVH ´FXUE DSSHDO µ &XUE DSSHDO LV VLPLODU WR JHWWLQJ UHDG\ IRU D ELJ GDWH RQO\ \RX·UH QRW GUHVVLQJ \RXUVHOI XS WR PDNH D VWURQJ ÀUVW LPSUHVVLRQ ,QVWHDG LPSURYLQJ FXUE DSSHDO LQYROYHV GUHVVLQJ \RXU KRPH XS LQ WKH KRSHV LW PDNHV D VWURQJ ÀUVW LPSUHVVLRQ RQ SURVSHFWLYH EX\HUV PDQ\ RI ZKRP ZLOO KDYH D VWURQJ RSLQLRQ DERXW WKH SURSHUW\ EHIRUH WKH\ HYHQ JHW RXW RI WKHLU FDUV WR KDYH D ORRN DURXQG $ KRPH ZLWK VWURQJ FXUE DSSHDO FDQ HQWLFH EX\HUV ZKR DUH OLNHO\ WR EHOLHYH WKDW D KRPH ZLWK D ZHOO PDLQWDLQHG H[WHULRU LV OLNHO\ WR KDYH DQ HTXDOO\ LPSUHVVLYH LQWHULRU +RPHRZQHUV ZKR ZDQW WKH SURFHVV RI VHOOLQJ WKHLU KRPH WR JR VPRRWKO\ FDQ LPSURYH WKH SURSHUW\·V FXUE DSSHDO LQ D QXPEHU RI ZD\V PDQ\ RI ZKLFK GRQ·W QHFHVVLWDWH D VXEVWDQWLDO KRPH LPSURYHPHQW EXGJHW &OHDQ XS 7KH PRVW HIIHFWLYH ZD\ WR LPSURYH FXUE DSSHDO LV WR FOHDQ XS WKH SURSHUW\ 0DQ\ KRPHRZQHUV DUH VDYY\ HQRXJK WR UHPRYH WR\V DQG RWKHU LWHPV IURP WKH \DUG EHIRUH VKRZLQJ D KRPH EXW FOHDQLQJ XS JRHV EH\RQG UHPRYLQJ FOXWWHU IURP WKH SURSHUW\ 0DNH VXUH DOO KHGJHV DUH WULPPHG DQG UHPRYH ZHHGV VWLFNV DQG RWKHU GHEULV IURP DQ\ ÁRZHU EHGV /D\ PXOFK LQ WKH ÁRZHU EHGV DQG JDUGHQ DV PXOFK SUHYHQWV ZHHG JURZWK ZKLOH KHOSLQJ WKH VRLO UHWDLQ PRLVWXUH UHVXOWLQJ LQ PRUH DWWUDFWLYH JDUGHQV WR FDWFK D EX\HU·V H\H *HW DQ ´HGJHµ RQ RWKHU VHOOHUV Edging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ÀFXOW GR LW \RXUVHOI SURMHFW
7DNH WR WKH WUHHV 0DQ\ KRPHRZQHUV JURZ DFFXVWRPHG WR RYHUJURZQ WUHHV DURXQG WKHLU SURSHUW\ DQG PD\ QRW QRWLFH WKDW ORZ KDQJLQJ XQVLJKWO\ EUDQFKHV DUH KLGLQJ WKH KRPH IURP YLHZ %X\HUV ZDQW WR VHH WKH KRXVH VR WDNH WR WKH WUHHV DQG WULP DQ\ EUDQFKHV WKDW KDQJ WRR ORZ RU REVFXUH \RXU KRPH &OHDQ WKH JXWWHUV /HDYHV DQG VWLFNV KDQJLQJ IURP WKH JXWWHUV DUH D UHG Á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·W VWLFN IRUFLQJ WKH UHDOWRU DQG EX\HUV WR LPPHGLDWHO\ VWUXJJOH EHIRUH HQWHULQJ WKH KRPH <RX ZDQW EX\HUV DQG WKHLU UHDO HVWDWH DJHQWV WR JHW LQ DQG RXW RI WKH KRPH DV VPRRWKO\ DV SRVVLEOH 0DNH VXUH DOO SODQWV LQFOXGLQJ ÁRZHUV DUH OLYLQJ 'HK\GUDWHG RU GHDG SODQWV DQG ÁRZHUV DUH H\HVRUHV DQG WKH\ ZLOO JLYH EX\HUV WKH LPSUHVVLRQ WKDW \RX GLGQ·W SD\ PXFK DWWHQWLRQ WR \RXU SURSHUW\ 0DNH VXUH DOO SODQWV DUH DOLYH DQG WKULYLQJ DQG UHSODFH WKRVH WKDW DUHQ·W <RX FDQ UHSODQW QHZ ÁRZHUV RU SODQWV RU MXVW XVH SRWWHG SODQWV LQVWHDG :KHQ SXUFKDVLQJ QHZ SODQWV FKRRVH ORZ PDLQWHQDQFH YDULHWLHV WKDW DSSHDO WR EX\HUV ZKR ZDQW JRRG YLEUDQW SODQWV EXW PLJKW QRW ZDQW WR SXW LQ PXFK ZRUN LQWR WKH JDUGHQ :KHQ VHOOLQJ D KRPH KRPHRZQHUV FDQ HPSOR\ D QXPEHU RI WDFWLFV WR LPSURYH WKHLU KRPH·V FXUE DSSHDO
*HW DQ ´HGJHµ RQ RWKHU VHOOHUV
0DNH VXUH DOO SODQWV DUH OLYLQJ %H IURQW GRRU DFFHVVLEOH
FALL FIX UP GET READY FOR THE UPCOMING HOLIDAYS With a
Canvas & Aluminum Awnings Patio Covers • Carports • Sunrooms Screen Rooms • Decks • Iron Railing Custom Built by Plus all types of repairs 3$*( $' (YDQV 0DQXIDFWXULQJ Eugene L. Evans
New Deck & Patio Cover With a
New D
Serving North East Alabama Since 1950
Eugene L. Evans Mfg. Co., Inc.
256-237-5821 401 So. Noble St. Anniston Free Estimates Easy Terms
&RQFUHWH vs. $VSKDOW
Driveways
The Anniston Star 2FWREHU
0
DQ\ KRPHV FRPH ZLWK D GULYHZD\ :KHWKHU OHDGLQJ WR D JDUDJH RU QRW WKH GULYHZD\ LV D FRQYHQLHQW SODFH WR SDUN RQH RU PRUH FDUV ,I D GULYHZD\ LV LQ QHHG RI UHSDLU RU UHSODFHPHQW RZQHUV RIWHQ FKRRVH EHWZHHQ DVSKDOW RU FRQFUHWH
7KHUH DUH FHUWDLQ IDFWRUV WKDW FRPH LQWR SOD\ ZKHQ PDNLQJ D GHFLVLRQ 0RUH RIWHQ WKDQ QRW FRVW LV D PDLQ FRQVLGHUDWLRQ DQG IUHTXHQWO\ WKH GULYLQJ IRUFH EHKLQG DQ\ GULYHZD\ GHFLVLRQV WKDW DUH PDGH 8QWLO \RX UHDOL]H DOO RI WKH VXEWOHWLHV EHKLQG WKHVH PDWHULDOV \RX PD\ QRW EH DEOH WR PDNH DQ LQIRUPHG GHFLVLRQ &RVW
VHDOLQJ ZLWK DVSKDOW 7KLV VKRXOG EH GRQH HYHU\ \HDUV RU VR WR SUHYHQW WKH EUHDNGRZQ RI WKH RLOV LQ WKH DVSKDOW 7KH ÀUVW DSSOLFDWLRQ RI VHDODQW VKRXOG EH DSSOLHG QR VRRQHU WKDQ WR PRQWKV DIWHU LQVWDOODWLRQ WR DOORZ WKH DVSKDOW WR SURSHUO\ FXUH $VSKDOW WKDW LV UHDG\ IRU VHDOLQJ ZLOO VWDUW WR WDNH RQ D JUD\LVK KXH
'HSHQGLQJ RQ FOLPDWH ERWK DVSKDOW DQG FRQFUHWH FDQ EH SURQH WR FUDFNLQJ ,Q PDQ\ FDVHV LW LV PRUH H[SHQVLYH WR PHQG FUDFNV LQ D FRQFUHWH GULYHZD\ WKDQ LQ RQH PDGH IURP DVSKDOW
6WDLQLQJ
$FFRUGLQJ WR WKH 'R ,W <RXUVHOI :HE VLWH FRQFUHWH FDQ FRVW XS WR SHUFHQW PRUH WKDQ DVSKDOW WR LQVWDOO JHQHUDOO\ %XW LI WKH SULFH RI FUXGH RLO LV KLJK DQG FUXGH RLO LV D FRPSRQHQW RI DVSKDOW FRPSRVLWLRQ WKHQ WKH DVSKDOW FRXOG EH PRUH H[SHQVLYH 7KH EHVW ZD\ WR FRPSDUH SULFHV LV WR JHW D IHZ HVWLPDWHV IRU HDFK PDWHULDO
:HDWKHU FRPSDWLELOLW\
,I \RX OLYH LQ D YHU\ KRW FOLPDWH \RX PD\ ZDQW WR FKRRVH D FRQFUHWH GULYHZD\ $VSKDOW WHQGV WR JHW VRIW LQ WKH KHDW ZKLFK FDQ FRQWULEXWH WR JURRYHV DQG GHQWV LQ WKH VXUIDFH :KHUHDV FRQFUHWH GULYHZD\V ZRUN EHWWHU LQ ZDUP FOLPDWHV WKDQ FROG RQHV 6DOW XVHG RQ URDGZD\V FDQ GDPDJH FRQFUHWH DQG FROG ZHDWKHU VKULQNDJH FDQ OHDG WR FUDFNV LQ WKH FRQFUHWH
5DWH RI UHSDLU
Asphalt driveways tend to be less expensive to install than concrete.
5
'HVSLWH WKH FRVW VRPH SHRSOH FKRRVH FRQFUHWH GULYHZD\V EHFDXVH WKH\ WHQG WR KDYH D ORQJHU OLIH ZLWK OHVV PDLQWHQDQFH UHTXLUHG $ FRQFUHWH GULYHZD\ FDQ ODVW DV ORQJ DV \HDUV $VSKDOW GULYHZD\V FDQ ODVW DURXQG \HDUV EXW LI WKH\·UH QRW SURSHUO\ PDLQWDLQHG PD\ VWDUW GHWHULRUDWLQJ DIWHU MXVW D IHZ \HDUV 7KDW·V EHFDXVH DVSKDOW LV SHWUROHXP EDVHG DQG YHU\ HODVWLF ,I OHIW WR GU\ RXW ZLWKRXW DGHTXDWH VHDOLQJ WKH GULYHZD\ FDQ EHFRPH EULWWOH DQG VWDUW WR ZHDU DZD\ &RQFUHWH GULYHZD\V FDQ EH VHDOHG WR SUHVHUYH WKHLU TXDOLW\ EXW PRVW SHRSOH DVVRFLDWH
$ OLJKW FRORUHG FRQFUHWH FDQ EH VWDLQHG HDVLO\ IURP ÁXLG OHDNV IURP WKH XQGHUVLGH RI D FDU RU OHDYHV ,W PD\ WDNH SRZHUZDVKLQJ WR UHPRYH WKH VWDLQ DGHTXDWHO\ +RZHYHU VWDLQV DUH PXFK OHVV YLVLEOH RQ GDUN DVSKDOW
%XW DVSKDOW FDQ GR LWV RZQ W\SH RI VWDLQLQJ 7KH RLOV UHOHDVHG IURP WKH DVSKDOW FDQ VWLFN WR WKH XQGHUVLGHV RI VKRHV DQG EH FDUULHG LQGRRUV ,I \RX GRQ·W UHPRYH \RXU VKRHV XSRQ HQWHULQJ WKHVH RLOV PD\ HYHQWXDOO\ GLVFRORU YLQ\O RU WLOH ÁRRUV RU JHW LPEHGGHG LQWR WKH FDUSHWLQJ
Variety
:KDW \RX VHH LV ZKDW \RX JHW ZLWK DVSKDOW 7KHUH UHDOO\ DUH QR GHFRUDWLYH RSWLRQV ³ LW·V PHUHO\ D VLPSOH DQG SUDFWLFDO GULYHZD\ PDWHULDO 2Q WKH RWKHU KDQG FRQFUHWH FDQ EH FRORUHG RU VWDPSHG WR SURYLGH GHVLJQV DQG DHVWKHWLF DSSHDO ,I \RX GHVLUH D KLJKHU HQG GULYHZD\ WKHQ FRQFUHWH PD\ EH ULJKW IRU \RX %RWK GULYHZD\ PDWHULDOV ZLOO GR ZKDW WKH\·UH VXSSRVHG WR ³ SURYLGLQJ D GXUDEOH VXUIDFH RQ ZKLFK WR SDUN \RXU FDU ,I \RX·UH ORRNLQJ IRU ORZ LQVWDOODWLRQ FRVWV WKHQ \RX PD\ ZDQW WR FKRRVH DVSKDOW )RU WKH XWPRVW LQ GXUDELOLW\ SHUKDSV FRQFUHWH LV EHVW
6
2FWREHU The Anniston Star
Things to consider
ZKHQ EXLOGLQJ DQ LQ ODZ VXLWH 3
HUKDSV WKDQNV WR D VWUXJJOLQJ HFRQRP\ DQG DQ XQSUHGLFWDEOH VWRFN PDUNHW WKDW KDV UHVXOWHG LQ PDQ\ UHWLUHPHQW QHVW HJJV EHLQJ GHFLPDWHG PRUH DQG PRUH DGXOW FKLOGUHQ DUH ZHOFRPLQJ WKHLU DJLQJ SDUHQWV LQWR WKHLU KRPHV 6XFK OLYLQJ VLWXDWLRQV KDYH OHG WR D JURZWK LQ LQ ODZ VXLWHV ,Q IDFW LQ WKH 1DWLRQDO $VVRFLDWLRQ RI +RPH %XLOGHUV IRXQG WKDW SHUFHQW RI EXLOGHUV VXUYH\HG ZHUH ZRUNLQJ RQ KRPH PRGLÀFDWLRQV UHODWHG WR DJLQJ ,Q ODZ VXLWHV DUH RIWHQ FUHDWHG E\ FRQYHUWLQJ D URRP LQ WKH KRXVH VXFK DV WKH EDVHPHQW RU HYHQ D JDUDJH LQWR D OLYDEOH VXLWH 6XFK VXLWHV FDQ EHQHÀW HOGHUO\ UHODWLYHV ZKR PLJKW KDYH EHHQ GHDOW DQ XQIRUHVHHQ ÀQDQFLDO EORZ %XW LQ ODZ VXLWHV FDQ DOVR EHQHÀW \RXQJHU KRPHRZQHUV ZKR ZDQW WR VHH WKHLU SDUHQWV PRUH ,Q DGGLWLRQ ZKHQ ROGHU PHQ DQG ZRPHQ PRYH LQ ZLWK WKHLU DGXOW FKLOGUHQ WKH\ FDQ SURYLGH VRPH QHFHVVDU\ UHOLHI IURP WKH HVFDODWLQJ FRVW RI GD\FDUH %XW EHIRUH EXLOGLQJ DQ LQ ODZ VXLWH LQ WKHLU KRPH KRPHRZQHUV PLJKW ZDQW WR KHHG WKH IROORZLQJ WLSV
%H FHUWDLQ LW LV OHJDO
0DNLQJ FKDQJHV WR \RXU KRPH PD\ UHTXLUH D SHUPLW SDUWLFXODUO\ LI \RXU LQ ODZ VXLWH ZLOO EH DQ HQWLUHO\ QHZ DGGLWLRQ WR \RXU SURSHUW\ DQG QRW MXVW D VWULFW URRP UHPRGHO &RQWDFW \RXU ORFDO ]RQLQJ ERDUG WR HQVXUH WKH SURMHFW LV ZLWKLQ \RXU ULJKWV DV D KRPHRZQHU
&RQVLGHU WKH KHDOWK RI \RXU LQ ODZV ZKHQ PDNLQJ SODQV
0DQ\ LQ ODZ VXLWHV DUH RFFXSLHG E\ DJLQJ UHODWLYHV ZKR PLJKW QRW EH DEOH WR JHW XS DQG GRZQ VWDLUV DV HDVLO\ DV WKH\ XVHG WR 7KDW PDNHV DFFHVVLELOLW\ RI WKH VXLWH D WRS SULRULW\ 7\SLFDOO\ LW·V EHVW WR ORFDWH LQ ODZ VXLWHV RQ WKH ÀUVW ÁRRU VR UHODWLYHV ZRQ·W ÀQG LW GLIÀFXOW WR JHW LQ DQG RXW RI WKH VXLWH
'RQ·W RYHUORRN SULYDF\
-XVW EHFDXVH \RXU SDUHQWV RU LQ ODZV ZLOO EH PRYLQJ LQ GRHVQ·W PHDQ WKH\ GRQ·W VWLOO YDOXH WKHLU SULYDF\ &KDQFHV DUH \RXU UHODWLYHV ZLOO LQLWLDOO\ IHHO DV
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
7DLORU FHUWDLQ DPHQLWLHV WR WKH HOGHUO\
,I \RXU LQ ODZV DUH ROGHU LQVWDOO FHUWDLQ DPHQLWLHV VXFK DV JUDE EDUV LQ WKH VKRZHU DQG EDWKURRP GXULQJ WKH LQLWLDO FRQVWUXFWLRQ VR \RX ZRQ·W KDYH WR PDNH FKDQJHV GRZQ WKH URDG ,QVWDOO HDV\ RSHQ GUDZHUV DQG PDNH VXUH WKH VXLWH KDV DPSOH OLJKWLQJ
$'6 6HFXULW\
7
The Anniston Star Â&#x2021; 2FWREHU
Â&#x2021; 5HPHPEHU WR LQVWDOO VDIHW\ IHDWXUHV
6DIHW\ IHDWXUHV OLNH Ã&#x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Ã&#x20AC;FLDO IRU DOO SDUWLHV LQYROYHG
Many seniors are moving in with their adult children to help care for grandkids and provide some relief from a sagging economy.
Need a little
...or a Lot Open
Monday - Saturday www.millersand.com 0LOOHU 6DQG *UDYHO
2 LOCATIONS TO SERVE YOU!
Mulch, Sand, Straw, Soil, Rock, Gravel, Stones, Boulders, River Rock, Lava Rock, Flag Stones, Bark, Unique Furniture and much more!
SAKS 256-231-2300 ON 431
289401
ANNISTON 256-237-5352
JUST RIGHT AT THE END OF GREENBRIER ROAD
8
2FWREHU The Anniston Star
Things to consider EHIRUH
UHÀQDQFLQJ \RXU PRUWJDJH
0
DQ\ KRPHRZQHUV DUH ÀQGLQJ QRZ LV D JUHDW WLPH WR UHÀQDQFH WKHLU PRUWJDJHV /RZHU LQWHUHVW UDWHV DQG OHJLVODWLRQ DLPHG DW KHOSLQJ RZQHUV ZKRVH PRUWJDJHV DUH XQGHUZDWHU KDYH HQFRXUDJHG KRPHRZQHUV WR WDNH DGYDQWDJH RI WKHVH RSSRUWXQLWLHV ZKLFK PLJKW QRW FRPH DORQJ DJDLQ %XW EHIRUH UHÀQDQFLQJ D PRUWJDJH LW·V ZLVH IRU KRPHRZQHUV WR H[DPLQH WKHLU FUHGLW UDWLQJV DQG WDNH WKH VWHSV QHFHVVDU\ WR HQVXUH WKH\ JHW WKH EHVW UDWHV SRVVLEOH ZKHQ UHÀQDQFLQJ
*HW \RXU FUHGLW UHSRUW 0DQ\ SHRSOH NQRZ WKH\ FDQ DFFHVV WKHLU FUHGLW UHSRUW RQFH D \HDU IRU IUHH +RZHYHU ZKDW WKRVH VDPH SHRSOH PLJKW QRW NQRZ LV WKDW WKHUH DUH WKUHH DJHQFLHV WKDW NHHS WUDFN RI \RXU FUHGLW DQG \RX FDQ DFFHVV UHSRUWV IURP HDFK RQH IRU IUHH RQFH D \HDU 6R WKDW·V HVVHQWLDOO\ WKUHH IUHH UHSRUWV SHU \HDU +RPHRZQHUV ZKR ZDQW WR UHÀQDQFH WKHLU PRUWJDJHV VKRXOG VWDJJHU WKH UHSRUWV VR WKH\ GRQ·W UHFHLYH DOO WKUHH DW WKH VDPH WLPH 7KLV DOORZV \RX WR VKRZ KRZ PXFK SURJUHVV \RX·UH PDNLQJ RQ LPSURYLQJ \RXU FUHGLW RYHU WKH FRXUVH RI D \HDU 6SUHDGLQJ RXW \RXU FUHGLW UHSRUWV DOVR PDNHV LW HDVLHU WR DGGUHVV DQ\ HUURUV WKDW PD\ DSSHDU )RU H[DPSOH LI \RXU ÀUVW FUHGLW UHSRUW VKRZV DQ RXWVWDQGLQJ EDODQFH RQ D JLYHQ DFFRXQW WKHQ \RX SD\ RII WKDW EDODQFH WKDW SD\RII VKRXOG EH UHÁHFWHG RQ \RXU VHFRQG UHSRUW LI \RX DOORZ DPSOH WLPH
<RX OLNHO\ SDLG SRLQWV RQ \RXU LQLWLDO ORDQ EXW SRLQWV ZKHQ UHÀQDQFLQJ DUHQ·W QHFHVVDULO\ IXOO\ GHGXFWLEOH OLNH WKH\ ZHUH WKH ÀUVW WLPH DURXQG $GGLWLRQDO IHHV FDQ LQFOXGH DQ DSSUDLVDO IHH LQVSHFWLRQ IHH FORVLQJ IHH DQG RWKHU IHHV WKDW ZKHQ DGGHG XS FDQ FRVW KRPHRZQHUV D VXEVWDQWLDO DPRXQW RI PRQH\
EHWZHHQ WKH SD\RII DQG ZKHQ \RX SODFH WKH RUGHU IRU \RXU VHFRQG UHSRUW ,I WKH VHFRQG UHSRUW GRHV QRW UHÁHFW XS WR GDWH DFWLYLW\ FRQVXOW WKH FUHGLW UHSRUWLQJ DJHQF\ DQG KDYH WKH LVVXH FRUUHFWHG 6WRS SD\LQJ ELOOV ODWH ,I \RX URXWLQHO\ SD\ \RXU ELOOV ODWH HVSHFLDOO\ FUHGLW FDUG ELOOV WKHQ \RX DOPRVW FHUWDLQO\ ZRQ·W JHW WKH ORZHVW LQWHUHVW UDWH ZKHQ UHÀQDQFLQJ \RXU PRUWJDJH 0DNH DOO FUHGLW FDUG XWLOLWLHV DQG LQVWDOOPHQW ORDQ SD\PHQWV RQ WLPH 2QFH \RX·YH HVWDEOLVKHG D OHQJWK\ SDWWHUQ RI SD\LQJ ELOOV RQ WLPH WKHQ WKDW PLJKW EH D JRRG WLPH WR YLVLW \RXU EDQN DQG GLVFXVV UHÀQDQFLQJ \RXU PRUWJDJH
'RQ·W RSHQ QHZ DFFRXQWV ,I \RX KDYH D EDG FUHGLW KLVWRU\ GRQ·W RSHQ DQ\ QHZ DFFRXQWV HVSHFLDOO\ LI \RX VWLOO KDYH RXWVWDQGLQJ EDODQFHV RQ H[LVWLQJ DFFRXQWV 3D\ H[LVWLQJ DFFRXQWV GRZQ FRPSOHWHO\ EHIRUH \RX HYHQ FRQVLGHU RSHQLQJ D QHZ DFFRXQW 2QFH EDODQFHV DUH SDLG LQ IXOO WKHQ \RX PLJKW VKRS DURXQG IRU D QHZ FUHGLW FDUG 0DQ\ SHRSOH
ZLWK KLJK RXWVWDQGLQJ EDODQFHV KDYH KLJK DQQXDO SHUFHQWDJH UDWHV VR RQFH \RX KDYH SDLG GRZQ EDODQFHV RQ WKRVH FDUGV \RX·OO EH LQ D EHWWHU SRVLWLRQ WR DSSO\ IRU D FDUG ZLWK D ORZHU $35
2QFH \RX KDYH DGGUHVVHG \RXU FUHGLW VFRUH WKHUH DUH VRPH WKLQJV \RX VKRXOG NQRZ DERXW WKH UHÀQDQFLQJ SURFHVV )LUVW DQG IRUHPRVW GRQ·W H[SHFW WKH SURFHVV WR EH IUHH 7KH )HGHUDO 5HVHUYH QRWHV WKDW LW·V QRW XQXVXDO IRU KRPHRZQHUV WR SD\ DQ\ZKHUH IURP SHUFHQW WR SHUFHQW RI WKHLU RXWVWDQGLQJ SULQFLSDO LQ UHÀQDQFLQJ IHHV )HHV YDU\ GHSHQGLQJ RQ ZKHUH DQ DSSOLFDQW OLYHV EXW \RX VKRXOG H[SHFW WR SD\ DQ DSSOLFDWLRQ IHH D ORDQ RULJLQDWLRQ IHH DQG SRLQWV 3RLQWV DUH D SHUFHQWDJH RI \RXU PRUWJDJH ORDQ DQG WKHUH DUH WZR NLQGV \RX PLJKW KDYH WR SD\ /RDQ GLVFRXQW SRLQWV DUH D RQH WLPH IHH WKDW \RX·UH SD\LQJ WR UHGXFH \RXU H[LVWLQJ ORDQ·V LQWHUHVW UDWH 6RPH OHQGHUV DOVR FKDUJH SRLQWV WR HDUQ PRQH\ RQ WKH ORDQ
$QRWKHU WKLQJ KRPHRZQHUV VKRXOG VWXG\ EHIRUH GHFLGLQJ WR UHÀQDQFH LV QR FRVW UHÀQDQFLQJ 1R FRVW UHÀQDQFLQJ LV D ELW RI D PLVQRPHU DV \RX PLJKW QRW SD\ FORVLQJ FRVWV LI \RXUV LV D QR FRVW UHÀQDQFLQJ EXW \RX ZLOO DYRLG WKRVH FRVWV DW WKH H[SHQVH RI D KLJKHU LQWHUHVW UDWH RQ WKH UHPDLQGHU RI WKH QHZ ORDQ 6LQFH PDQ\ KRPHRZQHUV UHÀQDQFH WKHLU PRUWJDJH VSHFLÀFDOO\ WR ORZHU WKHLU LQWHUHVW UDWHV QR FRVW UHÀQDQFLQJ PLJKW QRW EH LQ WKHLU EHVW LQWHUHVWV
,Q VRPH LQVWDQFHV QR FRVW UHÀQDQFLQJ PD\ VLPSO\ LQFOXGH WKH DIRUHPHQWLRQHG IHHV LQ WKH QHZ ORDQ 7KLV PHDQV WKH IHHV DUH DGGHG WR \RXU ORDQ·V SULQFLSDO <RX ZLOO EH UHSD\LQJ WKHP ZLWK LQWHUHVW RYHU WKH OLIH RI WKH ORDQ ,Q VXFK LQVWDQFHV PDQ\ KRPHRZQHUV VLPSO\ SUHIHU WR SD\ WKH UHÀQDQFLQJ IHHV XSIURQW EXW WKDW·V D GHFLVLRQ IRU HDFK LQGLYLGXDO WR PDNH 0DQ\ KRPHRZQHUV DUH WDNLQJ DGYDQWDJH RI ORZHU LQWHUHVW UDWHV DQG UHÀQDQFLQJ WKHLU PRUWJDJHV %XW EHIRUH GRLQJ VR KRPHRZQHUV VKRXOG UHSDLU WKHLU FUHGLW DQG GHWHUPLQH LI UHÀQDQFLQJ LV WUXO\ IRU WKHP
Professionals who might
KHOS \RX JHW D PRUWJDJH
7KH SURFHVV RI EX\LQJ D KRPH FDQ EH LQWLPLGDWLQJ HVSHFLDOO\ IRU WKRVH PHQ DQG ZRPHQ ZKR KDYH QHYHU EHIRUH RZQHG WKHLU RZQ KRPHV 1RZDGD\V PRUH KRPHRZQHUV DUH FKRRVLQJ WR JHW SUHDSSURYHG IRU PRUWJDJHV EHIRUH WKH\ EHJLQ VHDUFKLQJ IRU D KRPH LQ DQ HIIRUW WR PDNH WKH KRPH EX\LQJ SURFHVV JR PRUH VPRRWKO\ ZKHQ WKH\ ÀQG WKH KRPH IRU WKHP
2QH RI WKH ÀUVW WKLQJV EX\HUV PXVW GR ZKHQ VHHNLQJ SUHDSSURYDO LV ÀQG WKH ULJKW PRUWJDJH OHQGHU 7KHUH DUH PDQ\ GLIIHUHQW ZD\V WR ÀQG D PRUWJDJH OHQGHU ZKR ZLOO IXQG \RXU KRPH ORDQ 3URVSHFWLYH KRPHRZQHUV ZRXOG EH ZLVH WR IDPLOLDUL]H WKHPVHOYHV ZLWK PRUWJDJH OHQGHUV EHIRUH EHJLQQLQJ WKH SUHDSSURYDO SURFHVV
7KH IROORZLQJ DUH D IHZ WHUPV SURVSHFWLYH KRPH EX\HUV VKRXOG NQRZ EHIRUH WKH\ EHJLQ WKH SURFHVV RI EX\LQJ D home. 5HWDLO OHQGHU 7KHVH DUH OHQGHUV ZKR ZLOO UHDFK RXW GLUHFWO\ WR SURVSHFWLYH KRPH EX\HUV 5HWDLO OHQGHUV LQFOXGH EDQNV ZLWK ORDQ RIÀFHUV LQ ORFDO EUDQFKHV WKRXJK PDQ\ EDQNV DUH DOVR ZKROHVDOH OHQGHUV
:KROHVDOH OHQGHU A ZKROHVDOH OHQGHU LV RQH ZKR IXQGV D PRUWJDJH DFTXLUHG WKURXJK D PRUWJDJH EURNHU $ ZKROHVDOH OHQGHU ZLOO EX\ WKH PRUWJDJH IURP WKH EURNHU DIWHU WKH EURNHU KDV IRXQG WKH FXVWRPHU DQG SURFHVVHG WKH ORDQ
0RUWJDJH EURNHU 0RUWJDJH EURNHUV DUH HVVHQWLDOO\ PDWFKPDNHUV $ PRUWJDJH EURNHU ZLOO H[DPLQH D SURVSHFWLYH EX\HU·V ÀQDQFHV DQG WKHQ ZRUN WR À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
3RUWIROLR OHQGHU A SRUWIROLR OHQGHU LV W\SLFDOO\ D FUHGLW XQLRQ RU FRPPXQLW\ EDQN WKDW XVHV GHSRVLWV IURP LWV FXVWRPHUV WR IXQG ORDQV WKDW LW ZLOO NHHS LQ LWV SRUWIROLRV
/RDQ RIÀFHU Loan RIÀFHUV FDQ EH YHU\ KHOSIXO WR EX\HUV KHOSLQJ WKHP WKURXJK WKH ORDQ DSSOLFDWLRQ SURFHVV DQG RIIHULQJ DGYLFH RQ ÀQGLQJ D PRUWJDJH WKDW EHVW PHHWV D FXVWRPHU·V QHHGV $ ORDQ RIÀFHU PD\ EH UHIHUUHG WR DV D PRUWJDJH FRQVXOWDQW RU D KRPH ORDQ FRQVXOWDQW DQG PDQ\ ZLOO HDUQ D FRPPLVVLRQ RQ WKH ORDQ RQFH LW LV ÀQDOL]HG
The Anniston Star Â&#x2021; 2FWREHU
Construction Quick Tip:
)XWXUH KRPHV VWULYH WR EH
energy self-sufficient
9
The Anniston Star
Where Else? Where else can you get the best
NEWS â&#x20AC;¢ Sports â&#x20AC;¢ Lifestyle of Northeast Alabama & More! www.annistonstar.com To subscribe to The Anniston Star call (256) 235-9253
Cut Utility Bills â&#x20AC;¢ Custom Sizes â&#x20AC;¢ Storm Windows & Doors â&#x20AC;¢ Solar Sun Screens
â&#x20AC;¢ Replacement Windows 6WRUPFR â&#x20AC;¢ Security Doors â&#x20AC;¢ Custom Screens
STORMCO MFG. CO.
(256) 820-1412 â&#x20AC;¢ 5395 US HWY. 431
Alexandria, AL
+RXVLQJ DQG HQHUJ\ H[SHUWV FDOO WKH JRDO ¶QHW ]HUR · ,W UHSUHVHQWV D EXLOGLQJ WKDW KDV EHHQ FRQVWUXFWHG LQ VXFK DQ HQHUJ\ HIÃ&#x20AC;FLHQW ZD\ ³ ZLWK PHWKRGV DQG PDWHULDOV ³ LW LV DEOH WR SURGXFH RQ VLWH DV PXFK HQHUJ\ DV LW XVHV RYHU WKH FRXUVH RI D \HDU ´'XH WR SUHPLXP FRQVWUXFWLRQ HIÃ&#x20AC;FLHQF\ DQG HQHUJ\ JHQHUDWLQJ DELOLWLHV H[SHULPHQWV DUH DOUHDG\ SURYLQJ LW FDQ EH GRQH µ VD\V 7RGG %O\WK DW 1XGXUD D OHDGLQJ PDQXIDFWXUHU RI LQVXODWHG FRQFUHWH ZDOO IRUPV ´7KH Ã&#x20AC;UVW QHW ]HUR DFKLHYDEOH VFKRRO ZDV RSHQHG LQ %RZOLQJ *UHHQ .HQWXFN\ DQG PRUH DUH EUHDNLQJ JURXQG ´(YHQ QRZ WKH PDWHULDOV \RX FKRRVH FDQ PDNH D ELJ GLIIHUHQFH WR WKH RYHUDOO HIÃ&#x20AC;FLHQF\ RI \RXU KRPH µ %O\WK H[SODLQHG ´,I \RX ZDQW WKH KLJKHVW SHUIRUPDQFH EH VXUH WR SD\ FORVH DWWHQWLRQ WR GHFLVLRQV IRU WKH ZDOOV
ZLQGRZV URRÃ&#x20AC;QJ YHQWLODWLRQ DQG LQGRRU FOLPDWH FRQWURO 7KRVH IHDWXUHV LQ SDUWLFXODU DVVLVW LQ WKH JRDO WR FRPSOHWHO\ RIIVHW HQHUJ\ FRQVXPSWLRQ µ 1XGXUD ZDOOV DUH D FDVH LQ SRLQW LQ ZKLFK LQWHUORFNLQJ FRQFUHWH IRUPV DUH UHSODFLQJ WKH WUDGLWLRQDO ZRRG IUDPH PHWKRG 7KH V\VWHP LV NQRZQ WR EXLOGHUV DV ,&)V RU LQVXODWHG FRQFUHWH IRUPV ´2XU ,&)V FRQVLVW RI SUH DVVHPEOHG SDQHOV HDFK RQH VWDFNHG UHLQIRUFHG DQG WKHQ Ã&#x20AC;OOHG ZLWK FRQFUHWH µ %O\WK H[SODLQV ´2QFH ORFNHG WRJHWKHU OLNH /HJR WKH V\VWHP FUHDWHV D VROLG PRQROLWKLF ZDOO UHSRUWHG WR EH XS WR QLQH WLPHV VWURQJHU ZLWK IDU PRUH Ã&#x20AC;UH SURWHFWLRQ DQG ZLWK IDU PRUH VRXQG LQVXODWLRQ µ
Over 80% of U.S. homes do not meet Department of Energy standards? R-Value recommendations for our zone are R-30 to R-38 â&#x20AC;¢ Does our home meet DOE standards? â&#x20AC;¢ Are you losing valuable energy each month? We will inspect your attic insulation for free and give you a free estimate on bringing your home up to standard.
2[IRUG /XPEHU Replace your leaky windows with the Silverline 8500 vinyl replacement windows. Call for a quote on your job for windows and installation.
7KLV IHDWXUH ³ DORQJVLGH VRODU JHQHUDWLRQ JHRWKHUPDO KHDWLQJ DQG FRROLQJ SOXV SRVLWLRQLQJ \RXU KRPH WR WDNH DGYDQWDJH RI QDWXUDO OLJKW ³ DUH MXVW D IHZ RI WKH IHDWXUHV DOUHDG\ DYDLODEOH 0RUH GHWDLOV DUH DYDLODEOH RQOLQH DW ZZZ QXGXUD FRP
Scan with your Smartphone to go to our website
1400 Barry Street, Oxford, AL 36203 â&#x20AC;¢ 256-831-0540
10
2FWREHU Â&#x2021; The Anniston Star
Financing a home
How to save
LPSURYHPHQW SURMHFW
Many people use their credit cards to finance renovations, but there are better options. KRPH LPSURYHPHQWV +RZHYHU KRPHRZQHUV KRSLQJ WR Ã&#x20AC;QDQFH D SURMHFW GR KDYH RSWLRQV DQG QRW DOO RI WKHP UHTXLUH VWHOODU FUHGLW UDWLQJV
A
IWHU \HDUV RI IXQQ\ Ã&#x20AC;QDQFLQJ DQG IHZ OLPLWDWLRQV RQ ORDQV EDQNV DQG RWKHU OHQGHUV KDYH WLJKWHQHG XS WKHLU OHQGLQJ SROLFLHV $V D UHVXOW KRPHRZQHUV FRQVLGHULQJ D KRPH LPSURYHPHQW SURMHFW PLJKW QHHG WR ORRN HOVHZKHUH WR VHFXUH Ã&#x20AC;QDQFLQJ 7KHUH DUH QR FHUWDLQWLHV LQ WKH UHDO HVWDWH PDUNHWV 7KRXJK VWDWLVWLFV VXJJHVW PDUNHG LPSURYHPHQW LQ KRPH VDOHV RYHU MXVW D IHZ PRQWKV DJR PDQ\ KRPHRZQHUV UHPDLQ ZHDU\ DERXW VHOOLQJ WKHLU KRPH WR WU\ WR PRYH XS WR VRPHWKLQJ ELJJHU DQG EHWWHU 7KH 1DWLRQDO $VVRFLDWLRQ RI +RPH %XLOGHUV VD\V PDQ\ SHRSOH DUH FKRRVLQJ WR VWD\ SXW LQ WKHLU KRPHV DQG UHPRGHO RU PDNH UHQRYDWLRQV WR WUDQVIRUP WKH KRXVH LQWR VRPHWKLQJ PRUH FRPIRUWDEOH
:KLOH WKHUH DUH PDQ\ ZRUWKZKLOH KRPH UHQRYDWLRQ SURMHFWV WKH 1$+% UHFRPPHQGV SURMHFWV WKDW EULQJ \RXU KRPH XS WR SDU ZLWK WKH QHLJKERUV· ,W GRHVQ·W SD\ WR WUDQVIRUP \RXU KRPH LQWR WKH PRVW H[SHQVLYH RQ WKH VWUHHW ³ XQOHVV \RX SODQ WR OLYH WKHUH IRU WKH UHVW RI \RXU OLIH 5HDO HVWDWH H[SHUWV UHFRPPHQG WKDW D UHPRGHOLQJ LQYHVWPHQW LQFUHDVHV WKH YDOXH RI \RXU KRXVH E\ QR PRUH WKDQ WR SHUFHQW DERYH WKH PHGLDQ VDOHV SULFH LQ \RXU QHLJKERUKRRG :KHQ LW FRPHV WLPH WR Ã&#x20AC;QDQFH D UHPRGHO RU UHQRYDWLRQ \RX PD\ QRW NQRZ ZKHUH WR VWDUW &UHGLW UHVWULFWLRQV RQ KRPH PRUWJDJHV WKDW KDYH WURXEOHG PDQ\ ZRXOG EH EX\HUV KDYH DOVR SODJXHG LQGLYLGXDOV ORRNLQJ WR Ã&#x20AC;QDQFH
Â&#x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Â&#x2021; %RUURZ DJDLQVW RWKHU LQYHVWPHQWV &'V ERQGV RU PXWXDO IXQGV FDQ SURYLGH WKH FROODWHUDO \RX QHHG DQG HDUQ \RX D ORZHU LQWHUHVW UDWH )L[HG LQFRPH LQYHVWPHQWV DUH PRUH VWDEOH RSWLRQV WR ERUURZ DJDLQVW DV WKHLU YDOXH ZRQ·W KDYH D FKDQFH WR GHFOLQH
Â&#x2021; $SSO\ IRU D KRPH HTXLW\ ORDQ 0DQ\ SHRSOH KDYH KHDUG RI D KRPH HTXLW\ ORDQ DQG LW LV XVXDOO\ WKH Ã&#x20AC;UVW FKRLFH ZKHQ ERUURZLQJ IXQGV IRU UHQRYDWLRQV (VVHQWLDOO\ D KRPH HTXLW\ ORDQ LV WDNLQJ RXW D VHFRQG PRUWJDJH RQ \RXU KRPH WR SD\ IRU WKH ZRUN \RX ZDQW WR KDYH GRQH ZKLFK LV EDVHG RQ WKH HTXLW\ RU WKH GLIIHUHQFH EHWZHHQ WKH KRPH·V IDLU PDUNHW YDOXH DQG WKH RXWVWDQGLQJ EDODQFH RI DOO OLHQV RQ WKH SURSHUW\ 7KH LQWHUHVW RQ WKHVH ORDQV LV WD[ GHGXFWLEOH ZKLFK FDQ PDNH WKLV Ã&#x20AC;QDQFLQJ RSWLRQ TXLWH SRSXODU Â&#x2021; 6HFXUH D KRPH HTXLW\ OLQH RI FUHGLW $ KRPH HTXLW\ OLQH RI FUHGLW RU +(/2& LV DQRWKHU W\SH RI KRPH HTXLW\ ORDQ ,QVWHDG RI UHFHLYLQJ D OXPS VXP WR XVH WRZDUG UHQRYDWLRQV OLNH \RX ZRXOG ZLWK D WUDGLWLRQDO KRPH HTXLW\ ORDQ D +(/2& LV VRUW RI D FUHGLW FDUG W\SH VFHQDULR EDVHG RQ WKH HTXLW\
LQ \RXU KRPH <RX DUH JLYHQ D OLQH RI FUHGLW DJDLQVW ZKLFK \RX FDQ EX\ LWHPV 7KLV LV JRRG IRU LQWHUPLWWHQW QHHGV ZKHQ RQH ODUJH VXP LV QRW QHHGHG +(/2&V KDYH D GUDZ SHULRG GXULQJ ZKLFK WKH ERUURZHU FDQ XVH WKH FUHGLW DQG D UHSD\PHQW SHULRG GXULQJ ZKLFK LW PXVW EH UHSDLG +(/2&V JHQHUDOO\ KDYH ORZHU PRUWJDJH IHHV DW WKH VWDUW DQG DUH JHQHUDOO\ VXEMHFW WR WKH VDPH WD[ LQFHQWLYHV DV UHJXODU KRPH HTXLW\ ORDQV
Â&#x2021; &RQVLGHU UHÃ&#x20AC;QDQFLQJ ,QWHUHVW UDWHV RQ PRUWJDJHV DUH DW KLVWRULF ORZV <RX PD\ TXDOLI\ WR GR D FDVK RXW UHÃ&#x20AC;QDQFH ZKHUH \RX ERUURZ DJDLQVW WKH YDOXH RI \RXU KRPH DQG FUHDWH DQ HQWLUHO\ QHZ PRUWJDJH DW WKH ORZHU UDWH $OWKRXJK \RX ZLOO VWDUW \RXU PRUWJDJH DOO RYHU IURP GD\ DQG KDYH WR SD\ FORVLQJ IHHV WKLV W\SH RI UHÃ&#x20AC;QDQFLQJ FDQ EH PRUH DGYDQWDJHRXV WR KRPHRZQHUV ZLWK VLJQLÃ&#x20AC;FDQW HTXLW\ LQ WKHLU KRPHV Â&#x2021; $SSO\ IRU D JRYHUQPHQW VSRQVRUHG ORDQ 7KH JRYHUQPHQW PD\ RIIHU SURJUDPV DLPHG DW KHOSLQJ LQGLYLGXDOV ZKR DUH XQGHUZDWHU RQ WKHLU KRPH ORDQV ERUURZ PRQH\ WR PDNH QHFHVVDU\ LPSURYHPHQWV :KLOH WKH IXQGLQJ FDQQRW EH XVHG WR SXUFKDVH OX[XU\ LWHPV VXFK DV D VZLPPLQJ SRRO LW FDQ EH XVHG IRU QHFHVVLWLHV 5HVLGHQWV RI WKH 8QLWHG 6WDWHV FDQ H[SORUH )+$ N UHÃ&#x20AC;QDQFH RSWLRQV DQG DQ )+$ WLWOH LPSURYHPHQW ORDQ
Â&#x2021; 'LVFXVV Ã&#x20AC;QDQFLQJ ZLWK \RXU FRQWUDFWRU 6RPH FRQWUDFWRUV PD\ RIIHU Ã&#x20AC;QDQFLQJ .HHS LQ PLQG WKDW WKH LQWHUHVW UDWHV PD\ EH KLJK DQG LW PD\ EH GLIÃ&#x20AC;FXOW WR LQYHVWLJDWH WKH VHFXULW\ RI WKHVH W\SHV RI ORDQV 0DQ\ KRPHRZQHUV DOVR ORRN WR FUHGLW FDUGV WR KHOS Ã&#x20AC;QDQFH VRPH KRPH UHQRYDWLRQ SURMHFWV EXW WKH\ VKRXOG EH XVHG DV D ODVW UHVRUW &UHGLW FDUGV W\SLFDOO\ FRPH ZLWK KLJK LQWHUHVW UDWHV DQG ZKLOH WKH\ DUH JRRG IRU VRPH VPDOO SURMHFWV Ã&#x20AC;QDQFLQJ ODUJHU SURMHFWV RQ D FDUG PD\ ODQG \RX YHU\ GHHS LQ GHEW
+RPHRZQHUV ZKR FKRRVH WR VWD\ LQ WKHLU KRPHV DQG PDNH UHQRYDWLRQV KDYH D KRVW RI RSWLRQV DW WKHLU GLVSRVDO WR Ã&#x20AC;QDQFH WKRVH SURMHFWV
on home improvement SURMHFWV
Homeowners can trim home improvement costs by buying their own materials before hiring a contractor to complete the project.
:
LWK WKH HFRQRP\ VWLOO VWUXJJOLQJ PRQH\ LV WLJKW IRU PDQ\ KRPHRZQHUV 7KDW UHDOLW\ FDQ SUHVHQW D SUREOHP WR WKRVH ZKR ZDQW WR LPSURYH WKHLU KRPHV ZLWKRXW VSHQGLQJ WRR PXFK PRQH\ 7KH FRVW RI D KRPH LPSURYHPHQW SURMHFW GHSHQGV RQ D KRVW RI IDFWRUV LQFOXGLQJ WKH VFDOH RI WKH SURMHFW DQG WKH DYDLODELOLW\ RI PDWHULDOV 8SVFDOH SURMHFWV OLNH D IXOO URRI UHSODFHPHQW ZLOO VHW KRPHRZQHUV EDFN D VXEVWDQWLDO DPRXQW RI PRQH\ ,Q LWV
´&RVW YV 9DOXH 5HSRUW µ 5HPRGHOLQJ PDJD]LQH UHYHDOHG WKDW WKH DYHUDJH FRVW RI D VXFK D SURMHFW ZDV QHDUO\ +RZHYHU D VPDOOHU SURMHFW OLNH D JDUDJH GRRU UHSODFHPHQW FRXOG EH FRPSOHWHG IRU IHZHU WKDQ :KHQ GHFLGLQJ LI D KRPH
LPSURYHPHQW SURMHFW LV ZLWKLQ \RXU EXGJHW LW·V D JRRG LGHD WR FRQVXOW VXFK Ã&#x20AC;JXUHV EHIRUH FKRRVLQJ D SURMHFW )RU H[DPSOH LI \RXU KRPH LV D Ã&#x20AC;[HU XSSHU WKHQ RQH SURMHFW PD\ QRW EH PRUH XUJHQW WKDQ DQRWKHU VRPHWKLQJ WKDW PD\ DOORZ \RX WR FKRRVH OHVV H[SHQVLYH SURMHFWV QRZ ZKLOH VDYLQJ PRQH\ IRU PRUH H[SHQVLYH SURMHFWV GRZQ WKH URDG ,W·V DOVR LPSRUWDQW IRU KRPHRZQHUV WR NQRZ WKDW Ã&#x20AC;JXUHV VXFK DV WKRVH LQ WKH ´&RVW YV 9DOXH 5HSRUWµ DUH MXVW DYHUDJHV 6RPH SURMHFWV PLJKW FRVW PRUH WKDQ WKH DYHUDJH ZKLOH RWKHUV PLJKW FRPH LQ ZHOO XQGHU EXGJHW 7R HQVXUH \RXU SURMHFW LV RQH RI WKH ODWWHU DQG QRW WKH IRUPHU FRQVLGHU WKH IROORZLQJ ZD\V WR WULP FRVWV RII \RXU QH[W KRPH LPSURYHPHQW SURMHFW
The Anniston Star 2FWREHU $YRLG WKH ',< PRYHPHQW LI \RX GRQ·W KDYH DGHTXDWH H[SHULHQFH 0DQ\ KRPHRZQHUV IDOO LQWR WKH ',< WUDS IHHOLQJ WKH\ FDQ SXOO RII D SURMHFW ZLWKRXW KLULQJ D SURIHVVLRQDO FRQWUDFWRU :KLOH WKLV LV DQ RSWLRQ IRU WKRVH KRPHRZQHUV ZLWK KRPH LPSURYHPHQW H[SHULHQFH LW·V DQ DSSURDFK WKDW·V EHVW DYRLGHG E\ WKRVH ZLWKRXW VXFK H[SHULHQFH +RPHRZQHUV ZKR GHFLGH WR JR LW DORQH RQ D KRPH LPSURYHPHQW SURMHFW VKRXOG NQRZ WKDW PLVWDNHV DUH FRVWO\ 2QH PLVWDNH FRXOG KDYH \RX SD\LQJ IRU WKH VDPH PDWHULDOV WZLFH RQFH ZKHQ \RX EHJLQ WKH SURMHFW DQG WKHQ DJDLQ ZKHQ \RX QHHG WR KLUH D FRQWUDFWRU DIWHU \RXU HIIRUWV GLGQ·W ZRUN RXW $ IDLOHG ',< SURMHFW DOVR FRVWV \RX WLPH VRPHWKLQJ KRPHRZQHUV KRSLQJ WR VHOO WKHLU KRPHV SRVW SURMHFW FDQQRW DIIRUG WR ZDVWH +LUH WKH ULJKW FRQWUDFWRU 7KH EHVW FRQWUDFWRU IRU WKH MRE ZRQ·W QHFHVVDULO\ EH WKH RQH ZKR FRPHV LQ ZLWK WKH ORZHVW HVWLPDWH 7KH ULJKW FRQWUDFWRU ZLOO NQRZ KRZ ORQJ D SURMHFW ZLOO WDNH DQG ZKDW WKH PDWHULDOV ZLOO FRVW 7KH ZURQJ FRQWUDFWRU ZKR PLJKW ODFN WKH H[SHULHQFH RI KLV FRPSHWLWRUV PLJKW PDNH HPSW\ SURPLVHV WKDW
XOWLPDWHO\ FRVW \RX PRUH PRQH\ YLD RYHUUXQ FRVWV )LQG D FRQWUDFWRU ZKR FRPHV KLJKO\ UHFRPPHQGHG DQG LV ZLOOLQJ WR SURYLGH UHIHUHQFHV DQG VKRZ \RX KLV RU KHU SDVW SURMHFWV OLNH WKH RQH \RX·UH KLULQJ KLP RU KHU XQGHUWDNH ,I \RX KLUH WKH ZURQJ FRQWUDFWRU WKH SURMHFW PD\ QHYHU EH FRPSOHWHG DQG \RX PD\ À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·W RYHUORRN UHF\FOHG PDWHULDOV %X\LQJ UHF\FOHG PDWHULDOV LV DQRWKHU ZD\ WR UHGXFH KRPH LPSURYHPHQW FRVWV %DWKURRP À[WXUHV GRRUV ÁRRULQJ DQG OLJKWLQJ DUH MXVW D IHZ RI WKH
PDWHULDOV WKDW DUH FRPPRQO\ UHF\FOHG DQG UHVROG DW D IUDFWLRQ RI WKH FRVW RI QHZ PDWHULDOV 6KRS DURXQG IRU VWRUHV LQ \RXU DUHD RU SHUXVH WKH ,QWHUQHW IRU UHF\FOHG PDWHULDOV +RPHRZQHUV XQGHUWDNLQJ D UHSODFHPHQW SURMHFW UDWKHU WKDQ D UHPRGHO PLJKW HYHQ EH HOLJLEOH IRU WD[ EUHDNV LI WKH\ GRQDWH WKHLU ROG PDWHULDOV &KRRVH SURMHFWV WKDW SURYLGH PRUH EDQJ IRU \RXU EXFN $QRWKHU ZD\ WR VDYH LV WR FKRRVH SURMHFWV WKDW SURYLGH D VWURQJ UHWXUQ RQ \RXU LQYHVWPHQW 7KH ´&RVW YV 9DOXH 5HSRUWµ FRPSDUHV WKH FRVW RI SRSXODU UHPRGHOLQJ SURMHFWV ZLWK WKH YDOXH WKRVH SURMHFWV UHWDLQ DW UHVDOH ,I PRQH\ LV D PRWLYDWLQJ IDFWRU EHKLQG \RXU SURMHFW FKRRVH D SURMHFW WKDW ZLOO JHW \RX WKH PRVW PRQH\ EDFN DW UHVDOH
:KLOH WKH HFRQRP\ KDV QRW QHFHVVDULO\ EHHQ NLQG WR WKH KRPH LPSURYHPHQW LQGXVWU\ WKHUH DUH VWLOO SOHQW\ RI KRPHRZQHUV ORRNLQJ WR LPSURYH WKHLU KRPHV 6DYY\ KRPHRZQHUV FDQ GR MXVW WKDW DQG VDYH VRPH PRQH\ DORQJ WKH ZD\ E\ SXWWLQJ D IHZ VWUDWHJLHV WR ZRUN IRU WKHP
11
Did you know? $FFRUGLQJ WR 7*% (QWHUSULVHV LQ %XUOLQJWRQ 2QWDULR NLWFKHQ UHQRYDWLRQV DUH WKH PRVW SRSXODU KRPH LPSURYHPHQW SURMHFWV 5HQRYDWLQJ D NLWFKHQ LV D JUHDW ZD\ WR LQFUHDVH WKH YDOXH DQG DOVR WKH IXQFWLRQDOLW\ RI D KRPH 7KH 1DWLRQDO .LWFKHQ %DWK $VVRFLDWLRQ·V ODWHVW PDUNHW UHSRUW VD\V WKDW LQ WKH ÀUVW WKUHH PRQWKV RI WKH QXPEHU RI KRPHRZQHUV ZKR VWDUWHG D NLWFKHQ UHQRYDWLRQ ZDV XS PRUH WKDQ SHUFHQW IURP WKH SUHYLRXV TXDUWHU $ NLWFKHQ LV D FHQWUDO JDWKHULQJ SODFH DQG LV RQH RI WKH PRVW SRSXODU IDPLO\ JDWKHULQJ VSRWV LQ WKH KRXVH :LWK WUDGLWLRQDO GLQLQJ URRPV EHLQJ HOLPLQDWHG LQ IDYRU RI RSHQ HDW LQ NLWFKHQV DQG HQWHUWDLQLQJ VSDFHV PRUH DWWHQWLRQ WKDQ HYHU LV QRZ SODFHG RQ D ZHOO GHVLJQHG NLWFKHQ 7KH DYHUDJH UHPRGHOLQJ EXGJHW IRU D NLWFKHQ UHQRYDWLRQ H[FHHGV
%XW WKHUH DUH ZD\V WR NHHS EXGJHWV LQ FKHFN 'R VRPH RI WKH ZRUN \RXUVHOI WR UHGXFH PRQH\ VSHQW RQ ODERU FRVWV &RQVLGHU ODPLQDWH ÁRRULQJ DQG FRXQWHUV ZKLFK ZLOO ORRN OLNH UHDO VWRQH EXW DW D IUDFWLRQ RI WKH FRVW 6NLS FXVWRP FDELQHWU\ LQ OLHX RI VWRFN XQLWV 7KH\·UH PRUH DWWUDFWLYH WKDQ HYHU EHIRUH DQG GRQ·W UHTXLUH WKH ZDLW WLPH RI FXVWRP RUGHUHG FDELQHWV &KRRVH OHVV H[SHQVLYH PLG UDQJH DSSOLDQFHV WKDW PD\ IXQFWLRQ EHWWHU WKDQ RU HTXDO WR KLJK HQG PRGHOV 3ODQ OD\RXW DFFXUDWHO\ DQG VSHQG WLPH UHYLHZLQJ \RXU GHVLJQV Late FKDQJHV LQ D UHPRGHO FDQ TXLFNO\ HDW XS D EXGJHW
The Blaze n‘ Glow series offers you what ordinary gas logs cannot.... the beauty and convenience of gas logs combined with the heating characteristics of a radiant vent-free heater. Vantage Hearth’s Smokey Mountain Oak Vent-Free Gas Log Heater features a unique slanted burner system that offers the most glow and realistic yellow flames in the industry. The multi-log design is available in $QQLVWRQ )LUHSODFH 18”, 24”, 30” & 36” models with variable manual, remote “ready” or thermostat controls. The burner system also comes standard with the “Auto-Light” Easy Ignition System.
ANNISTON FIREPLACE & PATIO 3815 Leatherwood Plaza, • Hwy. 431 • (256) 236-1114
Mon. - Fri. 8-5; Sat. 9-12 • Kurtnelson@cablone.net • mkkenny@cableone.net
www.annistonfireplaceandpatio.com
12
2FWREHU Â&#x2021; The Anniston Star
NATIONAL
FLOORING SALE
E E FR
NO Pay Down men N O t! I ON I n T f ! t o e A r 12 rest! LL OORING A T S M Includes IN ALL FL onth N O s! moving furniture 1.12 10.3 ires p x E er �Off ���� ������ � �� ����� ����
With app rove d cr edit .
& removal
of old carpet & pad!
Granite Countertops
Rug Market
$EEH\ &DUSHW
All A rea 35% Rugs
OFF
ON SALE NOW!
Weâ&#x20AC;&#x2122;ll help you select the ideal rug for your dĂŠcor and lifestyle. Before you go anywhere else, come check us out. Chances are, we have exactly what youâ&#x20AC;&#x2122;re looking for!
t )JHIXBZ /PSUI t "OOJTUPO t "OOJTUPO #VZ"CCFZ DPN 4IPXSPPN IPVST .POEBZ 'SJEBZ t 4BUVSEBZT
We are a locally owned family business. The dollars you spend with us stay in our community.