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Set the stage with outdoor lighting
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Wells Fargo Home Mortgage provides a wide array of competitive products, programs and services to ensure that your home financing needs are met. You may benefit from: • A wide selection of conventional loan programs • Low mortgage rates • Fixed- and adjustable-rate mortgages (ARMs) • PriorityBuyer® preapproval • Owner –occupied and investor mortgage programs available • The attentive service of knowledgeable mortgage professionals • Financing for new construction homes • Builder Best® Extended Rate Lock program Expect me to work closely with you to explore and explain options for your budget and goals. Call today! Rachel Ellen Laine Home Mortgage Consultant 221 S Main St Moscow, ID 83843 Office: 208-883-5659 Cell: 208-874-2452 rachel.e.laine@wellsfargo.com www.wfhm.com/rachel-laine NMLSR ID 1015986 Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2015 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS1543979 Expires 03/2016
| March 2016 | Moscow-Pullman Daily News & Lewiston Tribune
Palouse Living
Lighting sets the stage for outdoor fun
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utdoor lighting can play up the more decorative features of a yard, including flower beds.
Tis the season for making changes in and around the home. The arrival of warmer weather renews homeowners’ vigor for various home improvement projects, and many have grand plans for interior and exterior renovations as they prep their living spaces for comfort, beauty and entertaining opportunities. While there are many worthy projects to pursue, adding outdoor lighting to a home can help increase its value and make the home safer and more attractive in the evening hours. According to the American Lighting Association, with a few updates to outside lighting, families can make even better use of their homes at night. Adding outdoor lighting is easier and less expensive than many homeowners may know, allowing them to transform an existing patio, deck or pool area into an enjoyable nighttime retreat. Pool parties, dinners on the patio or barbecues with neighbors become even more memorable when outdoor lighting is added or improved. But homeowners who want to install or upgrade their outdoor lighting should consider the following tips, courtesy of ALA. ∙ Improve navigation. Lighting is typically layered into a room or outdoor space in three ways: overhead, task and ambient. Even outdoors, where there are no typical boundaries and borders, those three layers are necessary. Outdoor overhead lighting should improve visibility on steps, paths and walking surfaces, especially where there’s a bend or an intersection. Task lighting can be used around cooking or gardening areas. Ambient light will cast a comforting glow around any outdoor space. ∙ Enhance security. To improve visibility and security, combine a motion detector with a sconce to illuminate dark corners or entryways. Be sure to aim lights away from the door to improve visibility. Lanterns on either side of the door can give a home
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Set the stage with outdoor lighting
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a warm, welcoming appearance and improve the safety of entryways. ∙ Create outdoor rooms. Outdoor lighting at the borders of a space is a great way to create barriers, both vertically and horizontally. Lights in a tree create something akin to a chandelier hung in the middle of the sky, and even accent lights in the general area of the edge of a patio, deck or porch will shine across the space and provide enough of a comfort level for people to understand where things are. ∙ Reduce glare. Outdoor lighting that casts a glare can be blinding, as can light that’s too bright. Lighting along paths should be cast downward, with fixtures that are hooded. A variety of lighting options will create layers, allowing you to add or subtract as necessary. Exterior-safe dimmers also can provide flexible control over the level of light, as can movable fixtures added to a patio or porch. ∙ Add decorative elements. Just as arbors, pergolas, patios and other outdoor elements help to enhance the style of an outdoor space, so, too, can lighting contribute to a welldesigned landscape. Lighting should play up decorative features of a yard and add the ambience that homeowners desire. Step lights make passage safe while also highlighting molding or trim details. An outdoor chandelier can make for a wonderful accent during dinnertime on the deck or under a pergola. Patio lights provide atmosphere as well as illumination for cooking outside. ∙ Enhance views from inside. Outdoor lighting can make the view from inside pleasant and enjoyable. Use a variety of lights, including spotlights on trees, lights dotted along pathways and accent lights on unique landscape features, to create an idyllic landscape visible from inside the home. Outdoor lighting enhances functionality of yards and landscapes while making such areas safer for homeowners and their guests once the sun has gone down.
Moscow-Pullman Daily News & Lewiston Tribune | March 2016 | 3
What to look for in an investment property MetroCreative
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istorically, the appreciation rate for real estate is very strong. Even when the housing market declines, long-term investors in real estate can rest easy knowing that property values tend to rebound rather quickly, rewarding patient investors in the process.
Looking at real estate as a long-term investment is just one way approach a potential investment property. The following are a few additional considerations prospective investors should contemplate before buying an investment property.
Location Many people are familiar with the real estate industry axiom, “location, location, location!” When buying an investment property, location is everything. A great location should outweigh your own personal feelings about the home, especially if you do not intend to live at the property. You will likely define a great location for an investment property differently than you would a property you intend to live in, so don’t let your own desires in a home cloud your judgement when choosing an investment property. Properties in safe neighborhoods that boast good schools and offer easy access to public transportation tend to make great investment properties.
fully renovated property, but those cost savings might be lost when it’s time to renovate. Find a property that’s in the type of condition you’re comfortable with. If you decide to go with a fixer-upper, learn the cost of your potential projects before submitting an offer.
Cost Real estate makes a great investment, but don’t go overboard when buying an investment property. Before making an offer on a property, research rents in the area and the cost of insurance in that particular neighborhood. You want a property that essentially pays for itself, so make sure the rent you’re likely to collect is enough to cover your monthly costs, including the mortgage on the property, insurance and the costs associated with managing and maintaining the property. Real estate investors often reap great rewards when selling their properties. But it’s still important for potential investors to consider a host of factors before investing in a property.
Decor Decor is another thing to consider when looking for an investment property. If you don’t plan to reside in the property, your opinion of the decor should not carry much weight. When viewing a property, try to imagine how much it might appeal to prospective tenants. Quirky properties typically do not appeal to as many prospective tenants as properties whose decor are similar to other homes in the area. Though you might find a tenant who prefers properties with unique interiors, a property that appeals to as many prospective tenants as possible often makes for a better investment and a lot less stress when the time comes to find tenants.
Condition The condition of the property also must be considered before buying an investment property. Some investors want a fixer-upper, while others prefer turnkey properties that won’t require any elbow grease. The former type of property likely won’t cost as much as a
| March 2016 | Moscow-Pullman Daily News & Lewiston Tribune
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Moscow-Pullman Daily News & Lewiston Tribune | March 2016 |
Seeing green: 30% off pots and 75% off Baskets for How to help your lawn bounce back from winter the month of March
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pring is a season of revival, and that spirit of rejuvenation extends to lawns. When the last vestiges of winter begin to disappear, homeowners can dust off their gardening gloves and start taking steps to revitalize their lawns for the months ahead.
· Look for signs of damage. Winter can be hard on lawns, so it’s important for homeowners to look for signs of damage before they begin planning any springtime landscaping projects. Salt damage can occur in areas that received heavy snowfall over the winter. Salt trucks used during winter storms often spit salt out onto lawns, so don’t be surprised if you notice brown spots on your grass, especially in those areas closest to the road. Winter lawn damage may also be caused by voles, burrowing mouse-like rodents that make paths beneath the snow to hide from predators and feed on grass blades and roots. Lawns with distinctly matted areas may also have been damaged by snow mold that can weaken turf.
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| March 2016 | Moscow-Pullman Daily News & Lewiston Tribune
· Consult a professional landscaper. Homeowners with considerable experience tending to damaged lawns can no doubt identify and address problems on their own. That’s because many problems are a result of the weather, which tends to be similar and produce similar problems from one year to the next. But inexperienced homeowners should consult professional landscapers before attempting to address problems on their own. Winter lawn damage may be caused by a variety of factors that can produce similar symptoms, and professional landscapers can identify the culprits behind such damage and provide the most effective solutions to restore the lawn. · Remove debris. A light raking can help remove any debris that accumulated over the winter. Such debris, which may include fallen branches and fallen leaves left behind from the final days of fall, can prevent lawns from getting the sun and water they need to thrive. Remove this debris, but make sure the grass is not frozen when you do, as walking on frozen grass can cause further damage. · Let the grass grow. Mowing the lawn is a chore that’s reserved for spring, summer and maybe early fall, but it’s important that homeowners don’t jump the gun and mow too early after winter. A patient approach allows the grass to reestablish itself, so let it grow a little higher than you normally would before the first cut. When the grass is roughly 4.5 inches high, you can cut it down to three inches and then maintain your normal mowing routine throughout the rest of spring and summer. Revitalizing lawns in springtime is a priority for many homeowners, who should always consult landscaping professionals if they feel uncertain about addressing any damage they discover during their post-winter lawn inspections.
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Pets & apartments
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nimal lovers who want to welcome pets in their homes may be hesitant to do so while renting. Some might not want to pay additional fees on top of their normal security deposits, while others may fear that pets will cause damage to homes their owners don’t own, leading to potentially costly repairs down the road. Renters should know that it’s both possible and even common for people who rent to have pets. While it might take a little extra work to find pet-friendly apartments, the lasting rewards of pet ownership could outweigh any brief hurdles renters may have to clear as they search for pet-friendly living arrangements. Animal lovers who rent but want pets may need to move out of their current apartments before they can welcome pets into their families. As that process begins, renters can take steps to ensure they find a place both they and their future pets will find welcoming.
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¡ Start your apartment search earlier than you otherwise might. Many landlords do not accept pets, so expect the search for a pet-friendly apartment to be more involved than it would be if you did not intend to get a pet. As a result, start your search earlier than you have in the past, giving yourself as much time as possible to find a pet-friendly apartment that also meets your other needs. Local animal shelters may keep a list of pet-friendly properties, or you can contact local realtors who can help you find buildings that allow pets. The earlier you begin your search, the more time you will give yourself to find a place that has everything you need. If you delay your search, you may have to settle for a place that’s pet-friendly but fails to meet your other criteria.
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¡ Do your homework. If you have never before owned a pet, then speak with a local veterinarian regarding your work schedule, your living arrangements and your expectations as a pet owner. The HSUS notes that problems with housing are the leading reason pets end up homeless. While no pet owner envisions taking their pets to a shelter and giving the animals up for adoption, such scenarios play out every day. By speaking with vets and local pet professionals, you can adopt the right pet for you and your apartment, greatly reducing the chances that you will be forced to give the pet up in the future.
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¡ Get it in writing. Before signing a lease, read it carefully to make sure it clearly spells out that you are allowed to have a pet. Read any restrictions regarding the type of pet and the size of pet youâ&#x20AC;&#x2122;re allowed to have. For example, many landlords who allow dogs will only allow dogs up to a certain weight. If you have your heart set on a Great Dane, then an apartment that only allows dogs that weight 25 lbs. or less wonâ&#x20AC;&#x2122;t be a good fit. Read the terms regarding pets carefully so you know exactly what you can and cannot have and exactly how much you will have to pay to bring pets into your new home. If there are no terms regarding pets in the lease, ask that specific terms be added before you sign. Doing so will protect you down the road should the landlord discover any pet-related damage when you move out.
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Moscow-Pullman Daily News & Lewiston Tribune | March 2016 |
6 steps to creating fairy gardens for kids MetroCreative
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ardening can be an enjoyable activity for adults and children alike. Gardening encourages creative thinking and can make for an eco-friendly activity as well.
Adding a touch of whimsy to gardening can make it that much more attractive to children. Perhaps that is why fairy gardens have become so popular among youngsters. Fairy gardens can be designed in outdoor gardens or in containers that children can nurse and enjoy indoors. Here are six steps to get your fairy garden up and running.
1.
Choose your container or location. Decide where to place the fairy garden. Hollowed-out tree stumps are both contained and outdoors, and kids may feel like the fairies inhabited this neglected area of the yard and made it their own. Otherwise, use containers you already have, such as old pots, hanging baskets, picnic baskets or cookie tins. Wooden birdhouses with their roofs removed also can make for clever places to house the gardens.
2.
Choose a theme. Fairy houses can take on any theme their creators prefer. Themes help children decide what to include in their gardens. For example, a seaside retreat may work well with little reclining chairs, sea grasses and succulents. You can then complete the theme by adding some seashells and colored stones.
3.
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| March 2016 | Moscow-Pullman Daily News & Lewiston Tribune
Draw up your design. Before securing anything in the container or digging into your garden bed, sketch out a garden design. This gives you an idea of how the finished product will look. Even before planting, gently place plants and other components in their spots and move them around accordingly until you find the desired look.
4. Include similar-needs plants. Mixing plants that have
different requirements can make it challenging to care for the fairy garden, so select plants that require similar levels of sunlight, prefer similar soil conditions and require roughly the same amount of watering. Herbs are a smart choice because they stay small and are easily maintained.
5.
Donâ&#x20AC;&#x2122;t forget a fairy dwelling. You will need to add a house for the fairies to inhabit. Small bird houses can work, but you also can consider old teapots, bird-nesting boxes or even homemade houses assembled out of bark and twigs. Use your imagination and the garden will take on a life of its own.
6.
Invite the fairies. Children can invite fairies to take up residence (fairies often show up at night and tend to remain unseen), or children can create their own fairies using craft materials. Fairy gardens are a fun way to introduce children to gardeing. Once families get started, they may want to create entire fairy villages.
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Moscow-Pullman Daily News & Lewiston Tribune | March 2016 |
Things to consider before downsizing your home MetroCreative
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lder couples must consider a host of factors before deciding to downsize their homes.
The decision to downsize a home is often bittersweet. Many couples who downsize their homes do so after raising a family. A home might be filled with memories, but downsizing a home helps couples save more money, and that financial flexibility often allows men and women to more fully enjoy their retirement. But in spite of the financial impact of downsizing a home, there’s more than just money at stake for homeowners thinking of downsizing their homes. The following are a handful of factors homeowners should consider before downsizing to a smaller home.
Real estate market The real estate market can be a seller’s friend or foe. Many sellers have a sale price in mind when they decide to sell their home, but the real estate market can be fickle, so homeowners should do their research before putting their home up for sale. Will the current market make it easier for you to get the most for your home, or will you have to settle for less than you prefer? How fast are similar homes in your area selling? When studying the real estate market, it’s also a good idea to study the market for smaller homes. If you plan on moving into a condominium but the market is not flush with properties, you might end up paying more than you want to for your new home, which might negate the savings you can expect from downsizing.
Furniture When downsizing to a smaller home, many couples realize their current furniture is unlikely to fit into a smaller home. That means couples will have to sell or donate their current furniture and then buy all new items for their new home. If it’s been a while since you purchased new furniture, you might be in for some sticker shock on your first visit to the furniture store. Another thing to consider regarding your furniture is which items you simply can’t live without. An antique dinner table might have been the centerpiece for your family holidays over the last several decades, but there’s no guarantee it will fit into your smaller home. You may want to pass this down to your son or daughter, but that’s only possible if he or she has the room for it. Before deciding to downsize, consider your attachment to certain items that you may or may not be able to take with you to your new home and the emotional toll that selling such items might take if you’re left with no other options.
Proximity to family When downsizing to a smaller home, many couples move out of the suburbs and into cities or towns with more ready access
10 | March 2016 | Moscow-Pullman Daily News & Lewiston Tribune
to culture and restaurants. While that accessibility is great, grandparents may find that it comes at the cost of less time with their grandchildren. That’s a steep price to pay for doting grandparents, and it may also impact your children if they frequently rely on grandma and grandpa for babysitting. Before downsizing, consider if you’re willing to move further away from your family. If not, you likely can still find a smaller home in close proximity to your current home and any nearby family members.
Medical care Many older men and women must also consider the effect that moving may have on their medical care. Downsizing to a home in the country may make it harder to maintain contact with your current physician, and rural areas typically have less medical practitioners than more densely populated towns and cities. In addition, if you have been visiting the same physician for years, you may not want to move and have to start all over again with a physician who is unfamiliar with your medical history. Consider how much maintaining your existing relationship with your physician means to you, and if your next home will provide the kind of access to medical care you’re likely to need.
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end time searching for a bargain, your realtor can help you find a property that is underpriced and that will bring you
home or a property that needs extensive renovations.
If you’re busy and don’t want to be bothered with the mundane tasks associated with being a landlord, ask your realtor about property management services. Your realtor may be able to manage all leasing, rent collecting and maintenance on your behalf.
16 / NEWSPAPER TOOLBOX
Get to know the right people. Before you quit your job in the city, talk to some realtors in the rural or semi-rural areas that interest you. Many rural property owners already have buyers in mind when they decide to sell, but getting an “in” with a local realtor is the next best way to get your foot in the door.
Scale back. If your dream is to have a horse farm or to live self-sufficiently, you may have to begin with a simpler plan. Horses and pastured livestock require a lot of acres, and the initial layout for solar power or wind power is costly. If you have to, start off with an acre, or buy a home in a semi-rural town. Either will get you away from the city traffic madness and save your sanity.
HOME IS WHERE YOU FEEL IT
The texts on these pages are perfect to use as fillers or for any section you may want to sell on this subject.
Downsizing from a large house to an apartment can be a big decision. At Bishop Place, you can meet new neighbors and have a new social life, all with the added benefit of a housekeeper, a cook, a driver and extra help if you need it.
Our home, your home. Come feel it. Apartments available. Call to schedule a tour today! Palouse Living
815 SE Klemgard, Pullman (509) 334-9488 www.BishopPlace.net Moscow-Pullman Daily News & Lewiston Tribune | March 2016 | 11
The Palouse’s Trusted Real Estate Advisors As Trusted Real Estate Advisors, our commitment is providing our customers with the Best Real Estate Services available! We have convenient downtown ofce locations, a professional full time sales and support staff ready to help, and comprehensive Real Estate services available. Real Estate trends are constantly moving and changing and we feel it is important to grow and evolve along with them. Staying current with technology and the Real Estate market makes us valuable and knowledgeable when it comes to buying or selling your home. Coldwell Banker Tomlinson has helped tens of thousands of people buy and sell their homes in Washington and Idaho since 1938. We are one of the oldest and most established Residential Real Estate companies in North America. In our ofce, we have a combined total of 555 Years of Real Estate Experience. Call us today and let us put that experience to work for you!
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