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B2 • May 11, 2019 | Home & Garden • TT/AJ/NE Sun

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6 options for funding your next home improvement project

B

efore starting a home improvement project, either on one’s own or with the assistance of a professional contractor, homeowners must first consider the costs involved. According to the home improvement resource HomeAdvisor, more than one-third of homeowners do not understand what hiring a professional will cost, and then cannot successfully budget and secure financing once they have set their sights on a renovation project.

may want to consider these options.

HomeAdvisor says that some of the more popular projects, such as remodeling a kitchen or bathroom or building a deck, can cost, on average, $19,920, $9,274 and $6,919, respectively.

2. Home equity line of credit: The financial experts at Bankrate indicate that a HELOC works like a credit card, with the house as collateral. There is a credit limit, and borrowers can spend up to that limit. The interest rate may or may not be fixed. However, the interest may be tax-deductible if the financing is used to improve, buy or build a home.

Homeowners may find that the more expensive renovations require them to secure some type of financing. Those who have never before sought such financing

1. Cash-out refinancing: With cashout refinancing, a person will begin the mortgage process anew with the intention of paying off the current mortgage balance, and then taking out additional funds for other purposes.

Cash-out refinancing is a way to tap into a home’s existing equity for use on improvements or other expenses, such as college tuition.

3. Home equity loan: Individuals also can borrow against equity in their homes with a fixed interest rate through a home equity loan. Most lenders will calculate 80 percent of the home value and subtract a homeowner’s mortgage balance to figure out how much can be borrowed, according to the financial advisory site The Simple Dollar.

is generally lower than fixed loan rates.

Again, like a credit card, PLOC gives a person a maximum borrowing amount and is ideal for ongoing purchases.

4. Personal loan: Homeowners can shop around at various financial institutions for competitive personal loans to be used for home improvement purposes. Funds may be approved within one business day, which can be ideal for those who want to begin their improvements soon.

6. Credit cards: In a pinch, credit cards can be used to finance improvements, but they do come with the cost of very high interest rates if the balance is not paid in full by the time the bill comes due. However, for funding smaller projects and maximizing rewards points through home improvement retailers or specific credit card company promotions, credit cards can be a way to earn various perks in addition to the benefit of improving a home.

5. Personal line of credit: A personal line of credit allows borrowers to borrow only the money needed at the time, and offers a variable interest rate that

Homeowners looking to finance their next improvements should speak to a financial advisor and shop around for the best types of funding for them. ■

Must-haves for an amazing kitchen remodel

Kitchen remodels are among the most popular home renovation projects, whether they consist of swapping out cabinet hardware or doing major demolition.

outdoor entertaining or even coffee on the deck much easier.

• Under-cabinet lighting: Fixtures installed under cabinets provide both ambient lighting and task lighting.

Such lighting makes it easier to see what you’re working on as well, as even well-placed overhead lighting can fail to illuminate dark corners and spots on the counters.

Due to the sheer amount of time families spend in the kitchen, not to mention the number of tasks performed in this space, it is easy to see why Remodeling magazine consistently ranks kitchen renovations as projects that will enable homeowners to recoup a high percentage of their investments. In the magazine’s 2018 “Cost vs. Value” report, midrange major kitchen remodels costing an average of $63,829 recouped 59 percent of that investment.

When investing in a kitchen project, it is important to incorporate items that are coveted.

• Deep, double sinks: Having a double sink enables you to soak dishes in one side and then wash on the other. It also makes it easy to wash and prep produce for meals.

• Kitchen island and bar stools: Even though many meals are enjoyed around the table, there’s something to be said for the convenience of a kitchen island and some well-placed bar stools for quick breakfasts or snacks.

• Convenient warming drawer: This appliance provides backup to the oven. It’s a slide-out drawer that can keep prepared foods out of the way and warm until they are ready to be served. This is particularly handy for holidays and other entertaining.

• Smart kitchen storage: Work with a contractor to include storage solutions built into cabinetry and the pantry. Slide-out shelving, nooks for a paper towel roll and custom-designed areas to store stand mixers and other necessities can make kitchens more functional.

• Outdoor access: If possible, design a kitchen so it is easy to access the backyard via sliding doors. This can make

• Beverage station: Designate one area of the kitchen to beverages, such as coffee and tea. Or make the area an informal bar. This can limit traffic in the kitchen to a single area.

Kitchen remodels are exciting to envision, and several choices can make these high-traffic spaces even more coveted. ■

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When it can be smart to hire a painting pro Few things can revitalize a home more readily than a fresh coat of paint.

Thanks in part to the affordability of paint and its ease of application, painting is something that even novice DIYers can typically handle. According to the marketing advice guru Brandon Gaille, it is estimated that residential interior paint only lasts around three years before it needs to be updated.

Exterior paint can fade, chip and peel due to various environmental factors. As a result, many homes can likely use a fresh coat of paint in at least one room.

As DIY-friendly as painting can be, when attempting to paint the interior or exteri-

~

TT/AJ/NE Sun • Home & Garden | May 11, 2019 • B3

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or of their homes, homeowners may learn that some painting projects are best left to the professionals. Painting requires skill, patience and a knowledge of how various paints — including finishes for particular applications — will hold up. Novice painters may do more harm than good by dripping paint on expensive carpeting or floors or fail to recognize the nuances that indicate a spot-on painting job.

Professional painters have spent hours upon hours learning the ropes of what works — and what does not. Painters often understand that painstaking preparatory work is crucial to getting pristine finished results. Walls

•

.: 11• • •

and ceilings must be properly repaired and prepared even before a base coat is applied.

Professional painters also have an eye for details. And because professional painters make a business out of doing interior and exterior surfaces, they understand which techniques can improve efficiency. That means a professional job can typically be completed much more quickly than a DIY project.

Even though some people think they’ll save money by painting their own homes, that’s not necessarily true. Professionals already have all the equipment necessary, unlike novices who may need to make repeated and potentially costly trips to the hardware

store for supplies. Plus, if mistakes happen, DIYers have to spend additional time and money fixing them.

Safety can be a large motivator for turning painting over to a pro. Navigating exterior areas or tall interior ceilings can be challenging and may require scaffolding or tall ladders DIYers do not have. Risk of falls or other injuries increase with lack of experience.

Painting can give a home a facelift, and oftentimes it is smart to turn the work over to professionals to ensure the job is done just right. ■

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B4 • May 11, 2019 | Home & Garden • TT/AJ/NE Sun

www.suncommunitynews.com

Published by Denton Publications, Inc.

Get ready: Early spring landscaping tips

D

uring the cold months of winter, many people stare longingly out of the window dreaming of spring and time spent outdoors. For those with green thumbs, images of tending to the garden and other aspects of their landscapes no doubt dominate such daydreams.

Draw inspiration from those budding crocuses and daffodils pushing through the last remnants of snow and employ these tips to prepare for the upcoming gardening season.

• One of the first steps is to apply a preemergent weed killer to get a head start knocking out weeds that can plague the lawn during the growing season. Killing weeds at the roots early on can mean far fewer hassles in spring and summer, and may prevent new generations of weeds from cropping up each year.

• While it may be tempting to take a prematurely warm day as a sign that spring is in full force and purchase a

bunch of annuals, it’s better to know the last of the possible frost dates (check “The Farmer’s Almanac”); otherwise, you may waste time and money planting flowers or vegetables only to have them zapped by another frosty day.

• Amend the soil so that it is the right consistency — just crumbling when lifting it. Soil that is too muddy after spring thaw can harden, making it difficult for plants to flourish later on. Speak with representatives at a local lawn and garden center about which types of amendments you can add to the soil in your particular area to enrich it.

• Lawn and garden experts at The Home Depot suggest filling in bare patches of lawn now by mixing a few shovelfuls of soil with grass seed. Then apply this patch to the bare areas, water, and continue to care for the area until the spot fills in.

• Spend a day in the garage or shed tending to the lawn

mower and other gardening equipment. Clean all tools and ensure that everything works, repairing parts as needed.

• Give outdoor entertaining spaces a good scrubbing, clearing away dirt and grime that may have accumulated over the winter. Use a leaf blower to blow away any leftover leaves.

• Check if the front porch, railings or decking need painting and/or staining. Tackle these projects when the weather is cooler so everything will be ready for those peak spring days.

• Think about any annuals you might want to plant in the landscape this year that will complement any existing shrubbery or perennials. Come up with a theme so that the entire yard is cohesive.

Before homeowners know it, winter is gone and it is time to once again enjoy long days spent outdoors. Get a jump start on spring lawn prep as soon as you can. ■

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Personal touches: Homeowners can customize their decks with per-

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Fire pit conversation area: Many decks can incorporate water or fire elements for visual appeal.

Gas-fueled fire elements can expand the functionality of decks beyond the warm seasons, or make enjoying them practical on nights when the temperature plummets.

Mixed materials: Homeowners may be inspired by commercial eateries, breweries and urban markets in their exterior design choices. Decks featuring composite materials and aluminum railings blend sophistication, urban appeal and comfort.

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Distressed hardwood: Builder and Developer, a management resource for professional homebuilders, says that the trend for using distressed hardwoods at home has migrated outside. Some decking manufacturers have recently introduced low-maintenance composite deck boards that mimic the look and feel of distressed, rustic hardwood flooring. This weathered appearance gives the look of age without the upkeep of real aged wood.

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Established perimeters: “Picture framing” is not a new trend, but one that has taken greater hold in recent years. The term refers to aesthetically appealing designs that conceal the ends of deck boards for a clean finish. Some designs feature contrasting material colors on the ends for even more impact. This helps create refined perimeters for a polished look.

Roof-top decking: Urban areas also can benefit from decking to create usable outdoor spaces. In fact, many new condominium and townhouse communities are incorporating roof-top decks into their designs, particularly in communities with water views or other impressive vistas. HGTV experts suggest roof-top decks feature light-colored materials and fixtures to help keep the area cool even in direct sunlight.

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How lawns benefit from aeration Compacted soil can have a dramatic effect on grass.

Compacted soil blocks oxygen, water and nutrients from reaching the root systems of the turf. That creates a lawn with weak roots, which make grass more vulnerable to disease and compromising its ability to withstand harsh weather, such as summer heat.

The buildup of thatch, which is a matted layer of grass clippings and other organic debris that collects on the top of the soil, is one indicator that a lawn could benefit from aeration, a process in which the surface of the lawn is perforated to break up compacted soil and allow oxygen, water and nutrients to reach root systems. Other

the effects of spike aerators.

scapers. Aerating a lawn is not always easy, and typically it involves the use of one of three types of aerators:

signs that aeration may be necessary include patches of thin grass, brown spots and a high concentration of clay in the soil.

When faced with a lawn that could benefit from aeration, homeowners may wonder if such as task lends itself to DIY or if it’s best left to professional land-

TT/AJ/NE Sun • Home & Garden | May 11, 2019 • B5

Core aerator: A core aerator uses hollow tines to pull plugs of soil from the lawn. The plugs are left on the surface of the lawn.

Homeowners can pick up the plugs or, according to the grass seed experts at Pennington, even leave them in the yard and allow them to break down.

Spike aerator: The experts at Pennington note that spike aerators employ solid, spike-like tines to poke holes in the soil.

These aerators leave the spikes in the soil. Some people wear spiked aeration shoes while walking around the yard to mimic

Slicing aerator: According to Pennington, slicing aerators employ rotating blades that slice through thatch and down into the soil. These aerators leave

the soil in the ground.

Aerators can be operated manually, though professionals tend to use motorized aerators. The machines are often heavy, so homeowners should consider their health and

physical ability before deciding to aerate on their own. Hiring a professional landscaper who has experience aerating may the quickest and most effective way to restore a lawn to full health. ■

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B6 • May 11, 2019 | Home & Garden • TT/AJ/NE Sun

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Simple ways to prevent dog-related lawn damage

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ogs love spending time outdoors. Dog owners with yards know that dogs benefit greatly from some exercise in the backyard. While that time might be great for dogs, it can take its toll on lawns.

Dog urine and feces can adversely affect the look and health of a lush green lawn. Nitrogen is essential to healthy soil, but only at certain levels. When those levels are exceeded, the result can be lawn damage. According to The Spruce Pets, an advisory site that offers practical tips and training advices to pet owners, this is what happens when pets frequently urinate on grass. Urine is naturally high in nitrogen, so when pets urinate on lawns, the grass might turn yellow or brown due to the excess nitrogen content. Nitrogen also is present in lawn fertilizers, further exacerbating the problem for pet owners who fertilize their lawns.

In addition to urine damage, dogs can trample frosted grass, contributing to problems that may not become evident until spring, and get into areas like gardens where they wreak additional havoc.

Pet owners who want to let their dogs run free in the yard but don’t want damaged grass may be tempted to put their pooches in diapers or confine them to crates when letting them outside. But such an approach isn’t necessary. In fact, some simple strategies can be highly effective at preventing dog-related lawn damage.

• Speak with a landscaper about planting new grass. Certain types of grass, such as Bermuda grass, can withstand dog damage better than others. Local climate will dictate which types of grass are likely to thrive in a given area, so speak with a professional landscaper about the viability of planting new grass.

• Install fencing. Pet owners with expansive yards can install fencing that allows dogs to spend time exercising outdoors without granting them access to the entire property. Large dogs will need more room than small ones, but try to build fenced-in areas that allow dogs to run freely and get the exercise they need to stay healthy.

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• Work with a dog trainer. Dog trainers might be able to work with dogs so they only urinate in certain areas of the yard, greatly reducing the damage they can cause to a lawn. Trainers also might help curb digging and clawing behaviors that can damage lawns as well as gardens.

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TT/AJ/NE Sun • Home & Garden | May 11, 2019 • B7

F

ew home improvements can transform a home more than the installation of new siding. Replacing siding can be a costly venture, but the right siding will maintain its appeal for years to come.

Updated siding can improve home’s energy value by enabling owners to save on heating and cooling costs. A new design and color also can improve a home’s property value and set it apart from neighboring properties. According to the Professional Builder’s Home Exteriors Survey, exterior design and materials used are a top priority for new home buyers.

Project costs depend on the size of the home as well as which siding material homeowners choose. Considering new siding is a major renovation, it pays to get the job done right.

CHOOSE A QUALIFIED CONTRACTOR It is important for consumers to do their research when it comes to siding materials and contractors. A contractor who takes shortcuts or improperly installs the siding may void a manufacturer’s warranty.

Always ask family members and friends for recommendations before choosing a contractor, and check out each prospective contractor’s work for yourself. Interview more than one contractor and compare both their costs and what they offer. Ask plenty of questions of the contractors, and avoid those who try hard-sell methods. Questionable contractors may try strategies like a promise of a considerable discount if you “act now” or scare tactics that your home is unsafe in its present condition.

Be sure the contractor carries general liability insurance as well as workers’ compensation insurance for their subcontractors. Ask for a license number as well and verify its accuracy.

SELECT A DURABLE MATERIAL Siding comes in all types of materials — from wood to plastic to fiber cement — but vinyl is among the most popular due to cost and availability. Research how well particular brands of siding stand up to conditions and which are the least likely to crack, warp or discolor.

Find this information from online reviews or through consumer advocacy groups. Also remember, vinyl and other synthetic materials have improved and can now mimic the look of many other materials for a fraction of the cost.

CALCULATE HOW MUCH YOU NEED Before you price out siding with contractors, estimate how much you will need for your house. Consumer Reports suggests multiplying the height times the width of each rectangular section of your house in feet, going by what you can measure from the ground, to determine their areas. Multiply the approximate height and width of gables and other triangular surfaces and divide each total by two.

Then add all the totals. To allow for waste, don’t subtract for doors, windows or other areas that won’t be covered. Finally, divide the total square footage by 100 to estimate how many squares of siding you will need. A square represents 100 square feet. Knowing how much you need can save you money.

Finding a qualified contractor is an important component to any siding project.

Vinyl siding can completely transform the look of a home and make it more energy efficient. ■

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B8 • May 11, 2019 | Home & Garden • TT/AJ/NE Sun

www.suncommunitynews.com

How to identify poison ivy Poison ivy is an unwelcome guest on many properties. Unfortunately, many people don’t recognize the presence of poison ivy on their property until it’s too late and they’ve already fallen victim to the uncomfortable, itchy red rash that is the plant’s hallmark.

According to Poison-Ivy.org, a website providing information about poison ivy, poison oak and poison sumac, the rash from poison ivy may first appear as just a slight itchy spot. But that spot will gradually get worse and can even cover your entire body with giant red sores if left untreated or if it goes undetected for too long. That only highlights the importance of learning to recognize poison ivy on a property and taking the appropriate measures to prevent anyone from coming into contact with it.

What are some telltale signs of the poison ivy plant?

Eastern Poison Ivy is the most widespread poison ivy plant, and these are some of its characteristics. (Note: People who live outside of regions where Eastern Poison Ivy grows can learn about the characteristics of plants in their area by visiting www.

Poison-Ivy.org).

• Poison ivy plants always have leaves of three. No poison ivy plants have more than three leaves.

• Poison ivy always grow left, then right.

That means that the stem/branch of leaves closest to the root of the plant will always lean left. Subsequent stems/ branches of leaves can lean right. Stems/ branches of poison ivy leaves are never side by side.

Is all poison ivy the same?

• Poison ivy plants never have thorns.

Many people may be surprised to learn that all poison ivy plants are not one and the same. Poison-Ivy.org notes that there are different types of poison ivy in different places, so curious homeowners should visit the site to determine how to identify the type of poison ivy specific to where they live. Eastern Poison Ivy grows on the ground, climbs and sometimes appears as a shrub. And despite its name, Eastern Poison Ivy grows from the east coast to the midwest, affecting people in middle American states like Kansas and Nebraska. Eastern Poison Ivy also can be found in some parts of Texas and Arizona.

• The edges of poison ivy leaves are never saw-toothed or scalloped.

• Poison ivy leaves will appear differently depending on the season. In spring, Eastern Poison Ivy leaves will appear red. As spring turns into summer, the leaves will gradually appear more green.

Come fall, the green leaves will look as if they were brushed with red, with some leaves featuring patches or spots of red.

The poison ivy rash can be very uncomfortable. Learning to identify poison ivy plants can help people avoid the rash. ■

Published by Denton Publications, Inc.

“Leaves of three, let it be.”

This old rhyme refers to the grouping of three leaves that are most commonly associated with poison ivy. Though there are many other plants with three predominate leaves, this can be a good indicator.

“Hairy vine, no friend of mine.”

Poison ivy vines on trees have a furry appearance. Old, mature vines on tree trunks can be quite large and long, with the recognizable leaves obscured among the higher foliage of the tree.

“Berries white, run in fright.” & “Berries white, danger in sight.”

The berry-like fruit, a drupe, mature by August to November with a grayish-white color. Fruits are a favorite winter food of some birds and other animals. Seeds are spread mainly by animals and remain viable after passing through the digestive tract.

“Longer middle stem, stay away from them.”

This refers to the middle leaflet having a notably longer stem than the two side leaflets and is a key to differentiating it from the similar-looking Rhus aromatica - Fragrant Sumac.

“Red leaflets in the spring, it’s a dangerous thing.”

Sometimes in the spring new leaflets have a red appearance. (Note that later, in the summer, the leaflets are green, making them more difficult to distinguish from other plants, while in autumn they can be reddish-orange.

“Side leaflets like mittens, will itch like the dickens.”

This refers to the appearance of some, but not all, poison ivy leaves, where each of the two side leaflets has a small notch that makes the leaflet look like a mitten with a “thumb.”

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Published by Denton Publications, Inc.

TT/AJ/NE Sun • Home & Garden | May 11, 2019 • B9

V

Quick and simple ways to make a front door

isitors’ impressions of a home are often dictated by the home’s entryway. Must as one may judge a book by its cover, the same can be said about the impression that a front door and entryway can create, regardless of how accurate that impression is.

walkway can extend to the street or to the driveway.

CONTAIN PLANTS: Landscaping around the entryway should be neat and welltended. Overgrown plants or shrubbery may give off an air of neglect. Container plants and carefully curated shrubs The entryway can create a neat and inviting aura.

Making certain changes to an entryway can go a long way toward to a home HIGHLIGHT THE ADDRESS: improving curb appeal. Entryways garners a lot Make sure the home can be found also can set the scene for a home’s of attention. easily with bold and decorative interior. Whether one chooses to Homeowners house numbers. Consider two difbe classic or bold, modern or tra- can enhance ferent address signs: one illumitheir ditional, there are various ways to nated and easily viewed from the quickly transform a home’s entry- spaces with curb, and another closer to the entryways front door. way.

BOLD FRONT DOOR COLOR: that really UTILIZE HIGH-END MATERImake a Color can dramatically enhance ALS: The relatively small area of statement. an entryway. Painting an existing real estate by the front door enables door or replacing it with a more vivid op- homeowners to splurge on more opulent tion can do the trick. The DIY Network materials that can really add a feeling of says certain colors stand out as favorites. luxury. These can include colorful tiles, These include turquoise, yellow, red, in- ornate planters, decorative wooden doors, digo, orange, and black. The door color or elaborate knobs and lighting fixtures. should complement the other shades of the ADD ARCHITECTURAL DETAILS: Find home, such as those on siding and trim. out which architectural elements will meld CUSTOM WALKWAY: Guide guests right with the style of the home and then incorto the front door with an attractive (and porate them. Moldings, columns, shutters, safe) walkway. Stamped concrete or decoand trim are areas to consider. ■ rative paver blocks may fit the bill. This

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B10 • May 11, 2019 | Home & Garden • TT/AJ/NE Sun

www.suncommunitynews.com

Published by Denton Publications, Inc.

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