WNC Homeowners Resource Guide , Fall/Winter 2018-2019

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WNCHomeowners.com Fall/Winter 2018-19

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Granite Countertops • Plumbing • Pools & Spas • Post-Construction Cleaning & Containers • Pressure Washing • Garden Centers & Landscaping • Lighting • Home Organization & Move Management • Electrical Contracting & Generators • Homeowner‘s Insurance • Home Security • Water, Fire, & Mold Restoration • Professional Painting • Mortgage Lending…and MORE!


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Our services include but not limited to: • Cleaning cabinets and drawers inside and out. • Cleaning counter tops and sinks, fixtures polished and removing labels or other packaging.

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5 Ways 5 Ways to Protect Your

to Protect Your HomeThis ThisWinter Winter Home

Brrr! It's cold in here. When winter weather starts frosting, you're not

Brrr! cold here. When weather not theIt's only oneinreaching for winter a sweater. Yourstarts homefrosting, needs you're to be protected thefrom onlythe onechill reaching for a sweater. Your home needs to be protected too. from the chill too.

Joe Todaro, director of operations of Gold Medal Service, offers these

Joe Todaro, director of operations of Gold Medal Service, offers these tips for homeowners so they can prepare their home for a cold winter: tips for homeowners so they can prepare their home for a cold winter:

1. Protect your outdoor unit: Your outdoor air conditioning unit needs

1. Protect your outdoor unit: Your outdoor air conditioning unit needs a little help staying healthy throughout the winter. You may want to cona little help staying healthy throughout the winter. You may want to consider a cover your unlike the cover youfor usea grill for aorgrill sider a cover forfor your unitunit not not unlike the cover you use a or a car. Covers can keep snow, ice and heavy rain from potentially damaging car. Covers can keep snow, ice and heavy rain from potentially damaging unit. thethe unit.

Patch leaks around doors windows: Check windows and exterior 2.2. Patch leaks around doors andand windows: Check windows and exterior doors gaps or openings would let cold in or warm doors forfor anyany gaps or openings thatthat would let cold air inair or warm air to air to escape. Leakage likelike thatthat maymay not not onlyonly cause you to have cold spots in escape. Leakage cause you to have cold spots in your home, butbut make youryour heating system run longer than necessary – your home, make heating system run longer than necessary – costing youyou money on on youryour energy bills.bills. Naturally, having your heater costing money energy Naturally, having your heater tuned upup by by a professional for peak performance is a proven way ofway sav-of savtuned a professional for peak performance is a proven inging onon energy bills as well. energy bills as well. 3. Reduce heat loss through the fireplace: If the home has a fireplace, 3. Reduce heat loss through the fireplace: If the home has a fireplace, it's a good idea to keep the damper closed when it is not in use to prevent it's a good idea to keep the damper closed when it is not in use to prevent heat loss. Close any doors leading into the room when a fire is burning. If heat loss. Close any doors leading into the room when a fire is burning. If you have a gas fireplace, be sure that it burns cleanly, evenly, and safely.

you have a gas fireplace, be sure that it burns cleanly, evenly, and safely.

4. Use sunlight to your advantage: You can naturally heat your home Use sunlight your advantage: Youon cansouth-facing naturally heat your home by4.opening curtainstoand window coverings windows by opening and window coverings on south-facing windows during the day.curtains Closing curtains at night will protect your home from during the day. Closing curtains at night will protect your home from losing heat through those same window openings.

losing heat through those same window openings.

5. Prep the plumbing: As winter approaches, you'll want to make sure you any water freeze-ups those can potentially become a sure 5. don't Prep have the plumbing: As winter –approaches, you'll want to make bigyou headache. To eliminate that risk, drain–any water outdoor become faudon't have any water freeze-ups those canfrom potentially a cets, arrangeTo to eliminate have any that in-ground sprinkler blown out. faubig and headache. risk, drain anysystems water from outdoor Drain rollarrange up garden hosesany and in-ground store them sprinkler inside, in asystems garage, shed, cets,and and to have blown out. orDrain basement, to shield them from the severest temperatures. If any pipes shed, and roll up garden hoses and store them inside, in a garage, inor thebasement, home havetobeen prone tofrom freezing past winters, consider Ifusing shield them the in severest temperatures. any pipes heat tape to keep them warmer during extremely cold weather.

in the home have been prone to freezing in past winters, consider using heat tape to keep them warmer during extremely cold weather.

Source: Gold Medal Service

Source: Gold Medal Service


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A HANDY G U IDE TO GU START ING A HOME R EMODEL RE MODEL Apprehension and inexperience keep many homeowners from pursuing renovation projects that would make their homes more functional, enjoyable and comfortable. Getting your hands dirty on the front end with some planning and preparation is the best blueprint for a successful home remodeling project. It will make the dirty work on the back end and the actual remodel a much easier process So whether you’re remodeling your home to sell it, or for your own enjoyment, start your remodel on the right track by considering these tips from Gary White with JCPenney Home Services.

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START WITH A PLAN

Although it may sound obvious, the first step really is to decide what you hope to accomplish with your renovation. At the least, begin to outline rough ideas to discuss with an expert. Reaching out to contractors before you’ve determined a basic idea for your project can waste time and money. Spend time listing the must-have features, as well as some nice-tohaves if the budget allows. Also, think about the overall functionality, design and layout. If you get overwhelmed or need ideas, don’t hesitate to turn to online showrooms or magazines for inspiration. Once you create your plan, you’ll be ready to get the ball rolling on everything else.

SET A BUDGET

If the sky is the limit, skip ahead, but if you’re like most homeowners, money matters, and so does setting and sticking to a budget. Have a clear idea of what you can afford to invest in your renovation before you get started, and if necessary, research the financing options available to you. Look for financing that provides deferred interest or low monthly payments to help manage the project cost. Setting a clear budget can help keep your contractors accountable and it goes a long way toward ensuring you can enjoy your finished project without regret or having to make sacrifices down the line.

DRAW UP THE PLANS

To help set your plan in motion, there are numerous online tools you can utilize to simplify each step of the process including design, budgeting and more. If you’re planning a home remodel, a comprehensive resource, like JCPenney Home Services, offers a one-stop-shop for bathroom remodeling, countertops, custom window treatments, flooring, heating and cooling, water heaters and whole-home water treatment.

INVOLVE A PROFESSIONAL

Unless you have the time and skills, you’ll want a licensed and insured contractor to lead the project when you’re ready to get your renovation in motion. It can be wise to solicit multiple bids, not only to ensure you get the best value, but also to find someone whose work, style and experience is most in-line with the needs of your project. After all, this person will be a big part of your life during a fairly stressful time period. Always check references and reviews and verify the contractor’s standing with local associations such as the BBB.

GET READY FOR WORK

Remember that you’ll need to create a work environment that is safe for your contractors and protects your valuable possessions. Establish a clear path to the project space for easy access and removal of debris. Furniture, appliances, room furnishings, valuables and breakable items should be removed from both the path to the work site and the work site itself. If your renovation project will involve an essential room, such as the kitchen or a bathroom, make alternate arrangements, such as creating a makeshift kitchen with the bare necessities, in another part of the house.

By following these tips, setting a plan, making a budget and finding a trusted contractor, you’ll be able to put worry aside and proceed with your successful home remodel. Here’s wishing you the best of luck on your remodeling project!


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6

QUESTIONS YOU SHOULD ASK MORTGAGE LENDERS

By Talaia Whisenant

Buying your first home may seem like a scary process, but it’s also a fulfilling learning experience and a big step towards financial security. There’s no right way to begin the home buying process, but the lending process is a good start. Consulting with lenders first will help you narrow down your budget, understand your credit, purchasing power, and specify what homes you can afford before getting in over your head. A good lender will not only answer client questions, but will do so promptly and with clarity. Here are some key questions to ask:

WHAT IS THE INTEREST RATE? You should ask your mortgage lender for a quote on the interest rate. Compare interest rates among lenders and settle for the lowest rate that you qualify for. Keep in mind that the interest rate, the mortgage balance and the loan term determines your monthly payment. The lower your interest rate, the smaller your monthly payment.

HOW MANY ORIGINATION OR DISCOUNT POINTS CAN I PAY? A point is a fee paid to the lender at the closing in exchange for a reduced interest rate. For instance, one point is equal to 1% of the loan amount. Your lender may charge discount points, origination points, or both. How many points are included in the interest rate, and what are the benefits of buying more? Discount points are prepaid interest and are taxdeductible, while origination points are fees charged by the lender to cover the cost of originating the loan.

IS THERE A PREPAYMENT PENALTY ON THE LOAN? Planning to pay your house off sooner than your loan term? Some lenders charge for that. Once contracts are signed, lenders regulate the payoff terms of your loan. Paying a mortgage off early can unfortunately result in an expensive penalty. Prepayment penalties are often 80% of six months interest. Ask your lender if they have one, and plan in advance.

HOW CAN I LOCK IN THE INTEREST RATE? Scoring a great interest rate is half the battle; you’ll want to lock in the interest rate because rates fluctuate. If the rate rises, the homebuyer will not be impacted, but if the rate falls, you may not be able to take advantage of the new low rate. Ask for your lender’s loan processing time to ensure your rate is secure during a rate lock.

WHAT ARE THE CLOSING COSTS AND DOWN PAYMENT? Months or even years before a home purchase, prepare your finances for the down payment. This is important because the average down payment on a home can run you 20% of the value of the home. Closing costs are less expensive (but still pricey), and may include loan-origination fees, appraisal fees, attorney fees, and other additional fees. Get a written estimate from your lender within three days of applying for the loan.

WHAT MIGHT DELAY MY APPROVAL ON THE LOAN? Delays are often times unavoidable. Unsent papers, missing signatures, and any change in employment status, an increase or decrease in salary, or even change in marital status can cause delays. Regularly following up with your lender can help speed things up, and you’ll soon be on your way to homeownership!


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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. Š 2018 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS4469779 Expires 06/2019


When was the last time you reviewed your home’s insurance coverage? As your life changes, so do your insurance needs, says the Insurance Information Institute (I.I.I.). Now is the perfect time to get your insurance policy in order by taking the time to ask yourself the following:

Is my home covered for its full rebuilding cost? Review your policy to make sure that you have enough insurance to rebuild your home. If you have made major improvements to your home, such as adding a new room, enclosing a porch or expanding a kitchen or bathroom, you risk being underinsured if you don’t adjust your homeowner’s insurance coverage limits.

Do I have enough coverage for expensive items? Have you bought or received any valuable jewelry since you purchased/renewed your policy? When was the last time you had the items you owned appraised? Standard homeowners insurance has dollar limits for the theft of certain types of expensive items like jewelry, furs and silverware. This means that the insurer will only pay the amount specified in the policy – generally $1,000 to $2,000. To insure these items to their full dollar value, consider a special personal property endorsement or floater. Source: iii.org

Do I have enough liability insurance to fully protect my assets? Standard homeowner’s liabilities pay for judgments against you and your legal fees up to a limit set in the policy. However, in our litigious society, you may want to have additional protection—that’s what an umbrella liability policy provides. An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowner’s, renter’s, condo, or auto policy. If your assets have recently increased, you’ll have more to lose and may want to consider this extra layer of protection.

Should I rent out my house during the vacation period? Whether you own a second home that you plan to lease to a tenant, or want to rent out your primary residence, the first step is to call your insurance professional. Depending on the rental scenario, your standard homeowner’s policy may not cover losses incurred while your home is rented out. In that case, you should consider a more specialized insurance policy.


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Top Bathroom Renovation Tips

THAT CAN ADD VALUE TO YOUR HOME

A bathroom can be among the top selling points in a home. Upgrading your bathroom prior to listing the home for sale may enable you to sell it at a higher price point. Here are some of ways that you can improve your bathroom and get the highest possible return on your investment. ADD AN ADDITIONAL SINK If you have to share the bathroom with your spouse or kids, it’s important to have multiple sinks. This allows both parents to get ready for work at once or both kids to get ready for school at the same time. It also allows each person to keep their area of the vanity as clean or as messy as they want without infringing on others. ADD A TOUCH OF LUXURY Buyers will have a harder time not putting an offer on a home when it has a luxurious feel to it. Adding a Jacuzzi to the bathroom will make a buyer feel as if he or she were about to buy a spa instead of a residential property. Working with companies can make it possible to make your bathroom luxurious yet affordable at the same time. ADD MORE STORAGE There are many items that you want or need to keep in a bathroom at any given time. For instance, you’ll likely want to keep extra rolls of toilet paper handy or have extra hand towels available. You’ll also want to keep your toothbrush, toothpaste and deodorant

in the bathroom. By adding a closet, a larger vanity or extra drawers underneath your current vanity, you provide plenty of space for multiple people to share the bathroom peacefully. PUT IN NEW TILE Replacing your current floor in favor of a tile one can improve the look and feel of the entire space. In fact, a remodeling contractor can add a heated floor that is ideal for those cold winter days or those chilly spring mornings. It can make it easier to face the prospect of walking to the shower or sink without the need to find your socks and slippers first. Even if you don’t have a large remodeling budget, you can still make your bathroom look and feel like the best room in the house. When done properly, this space can be the centerpiece of the home and help to attract eager buyers willing to pay top dollar for it. This appeared first on RISMedia’s Housecall. Hannah Whittenly is a freelance writer and mother of two from Sacramento, Calif. She enjoys kayaking and reading books by the lake. Reprinted with permission from RISMedia. ©2018. All rights reserved.


Dive Deeper Into Your Imagination We utilize the world’s natural wonders to bring timeless beauty into your home.

STONE CONNEC TION GRANITE INTERIORS, INC. 417 Kingdom Place • Zirconia, NC 28790 • (828) 692-0451 www.scgigranite.com Pictured– Marva Emerald Fluorite


GET GREENER PLUMBING, TODAY You may be greening up your cleaning products or your eating habits, but have you stopped to consider your plumbing? Read the following green plumbing tips, and reach out to your local, trusted plumber to help implement them.

INSULATE WATER PIPES. Heating water for homes can account for as much as 30 percent of residential energy consumption. By insulating the pipes and using high-grade pipe insulation, it can lower the energy expenditure needed to heat your water. Your plumber can install insulation on your pipes and save you money in the process. INSTALL WATER SAVING FEATURES. In older homes, plumbing features such as faucets, showerheads and toilets are as historic as the homes themselves. By replacing these dated units with modern, energy-efficient counterparts, you can reduce leaks, conserve water and reduce your energy bill. • Newer and more efficient toilets can cut down the amount of water used by as much as 80 percent. A low-flow toilet only uses 1.28 gallons of water per flush, whereas a full-flow toilet uses 3.5 gallons per flush. A dual-flush toilet uses only 1.6 gallons for solid waste and only 0.8 gallons for liquid waste. A

newer toilet can translate to a potential savings of 10,000 gallons of water each year. Newer toilets essentially pay for themselves, so get your plumber to install one today. • Install a tankless water heater, which uses much less energy than a standard water heater. Instead of wasting energy keeping a huge reservoir of hot water at all times, a tankless water heater heats the water only as it is needed. • Replacing a traditional showerhead with a low-flow showerhead will reduce the traditional water usage by around 50-70 percent. The homeowner can also get their plumber to install an even greener shower product, the steam shower. While traditional showers use 25 gallons of water per shower, a steam shower uses around 1 gallon of water per shower.

INSPECT YOUR HOME PLUMBING FOR LEAKS. Detecting leaks can be a difficult task, and in some cases, small leaks can be unnoticeable to an untrained homeowner. Hire a professional to help you hunt down hard to spot leaks. Contact your plumber today, and together you can implement these tips to save money and the environment. Your plumber might also have additional green plumbing solutions they can bring to your home.


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5

TOP

FACTORS THAT PUT YOUR HOME AT RISK OF A BREAK-IN

Did you know that sixteen percent of Americans have experienced a home break-in? From open windows to a lack of alarm, there are a myriad of reasons that could put your home at risk. Below are the top five, in order, according to DIY home phone and security company Ooma.

24%

NEIGHBORHOOD OR SURROUNDINGS

Nearly a quarter of American homes are at risk simply based on their neighborhood or surrounding neighborhoods. Now, just because you might live in an area like this doesn’t mean you have to, or should, up and move. But contacting your local home security company to do an analysis and find the best home security system for you is a great start.

16%

NO ALARM

Failing to install a home security system is the second leading cause of a home invasion, results show. If you can’t afford an alarm system, placing a sign by your door claiming that you’re protected may help sway cautious burglars.

14%

AN UNLOCKED DOOR

While only fourteen percent of Americans who have experienced a burglary say an open door was the cause, nearly 42 percent leave their doors unlocked, which is just begging for a (not so forced) entry. So please, lock your doors.

8%

AN OPEN WINDOW

Windows come second to open doors. Never leave ground floor windows open when you leave the house, and make sure they are locked when you are away or asleep. Burglars can open them from the outside.

7%

LIVING IN AN APARTMENT BUILDING

Simply living in an apartment building ups your chance of a break in, as housing units see more foot traffic, and can be easier for strangers to enter without suspicion. Look for a building with front entrance security measures, like an ID swipe, fob entry, key code, or doorman. Minimize your risk for a break-in by making sure you always lock your windows and doors. Installing a double bolt is a great added step as well. But to really insure your and your home’s security and wellbeing, contact a reputable home security company to install a home security system in your home.





How to Decorate Your Home for Fall Fall is one of the best seasons for decorating your home in a tasteful way that’s both festive and functional. Some of the most popular fall decorating themes include pumpkins, gourds, fall foliage, and pinecones to name a few. It’s time to say goodbye to summer and welcome the changing of seasons by adding a few cozy touches around your house with these tips.

1

Refresh Your Front Door: Maximize your curb appeal by adding piles of pumpkins and gourds to create a cheery look. Get creative by painting your house numbers onto one of the larger pumpkins, or throw in some potted croton and mums to your décor to complete the look. For a finishing touch, place a fall-themed wreath on the door.

2

Warm Things Up: With cooler temperatures creeping in, give your open spaces a snug feel by swapping out your lightweight pillows and linens. Instead of cotton and linen, opt for velvet or burlap materials in darker colors. Add a few throw blankets into the mix, and you’ll be ready to welcome guests for nights spent by the fire.

3

Add Fall Flowers: Just because summer is over doesn’t mean that flowers have to go along with it. If you’re looking to brighten up your home, there’s no easier way than to do so with flowers. Sunflowers and alstromeria are both great choices because they both last for about a week. Remove all leaves below the water line and change your water every few days in order to keep your blooms fresh.

4

Add a Rocking Chair: Pair a rocking chair with a plaid blanket outside on the porch for the ultimate fall look. All that you’ll be missing after that is a cup of pumpkin flavored coffee.

5

Bring Outside In: Fall leaves are ideal for sprinkling on the mantle or for pressing onto wax paper during an afternoon of crafts. Use backyard leaves to create streamers for fall-themed parties, or frame them for artwork around the house. The options are endless!

6

Turn on the Fire: Fireplaces take the center stage when it comes to the fall season. If you have a wood fireplace, now is the time to make sure that you have enough firewood for the rest of the season. If you’re using gas, don’t forget to turn it off when you leave to go somewhere. Nonetheless, a roaring fire paired with a comfy sofa and views of the changing leaves creates the perfect fall setup.


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4 WAYS TO ACHIEVE A STRESSFREE MOVE Moving can lead to new, exciting possibilities, but it also means leaving behind the people and places you love. While some sentimental items can be taken to your new place, many memories just aren’t transportable. To ensure your treasured belongings arrive safely to your new home, be prepared with these stress-free tips. 1. Make Room for New Memories Taking every item of sentimental value with you to your new home is not always possible. Moving is the perfect opportunity to organize and purge items you don’t need or won’t use in your new residence. To lessen the load on moving day, hold a garage sale or donate unwanted items to a local charity. Once you’ve determined which objects will make the move, decide where they’ll go in your new place. 2. Organize, Don’t Agonize Starting the process early can help avoid stressful last-minute packing, and give you time to be a bit nostalgic. Before you begin boxing things up, take videos and photos of each room to preserve your memories of that space. Then, make a checklist of everything you need to accomplish before moving – packing, cleaning, cancelling and restarting utilities, registering the kids for school – and set a timeline for completing each step. Once you’re ready to start packing, work room by room to make the task seem more manageable. Put together an “open me first” box with the gear you’ll need immediately, such as tools to assemble furniture, cleaning supplies, and shelf liner for drawers, closets and kitchen cabinets.

3. Protect Delicate Possessions To ensure your belongings arrive safely, it’s essential to pack possessions with extra care. Safeguard breakables with wrapping materials designed to protect fragile goods, such as bubble wrap cushioning. Next, pack items in clean, sturdy containers in a variety of sizes. Use large boxes for bulky yet lighter furnishings such as pillows and blankets, and place heavier objects in smaller boxes to avoid unnecessary strain. Seal boxes securely with a durable packaging tape. Be sure to label boxes clearly, marking them on the sides of the boxes, not the top. This step makes it obvious what’s inside, even if they’re stacked. 4. Have Help on Hand There are many affordable moving companies that can make the transportation a smooth transition. Doing it yourself can be physically tough and expensive, so it’s easy to see how hiring a moving company is the right path.


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