at Home February 2013

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Satisfying Dreams and Budgets



Welcome to It’s the time of year that we start thinking about what home improvements we’d like to undertake this spring and we’re making plans. If you’re like me, you’ve looked through magazines, watched home shows on TV, wandered the home improvement aisles at stores, and checked out (or plan to check out) a few open houses for ideas. The advertisers in this special magazine offer their expert advice and hope you look to them when considering hiring a professional. The combination of their expertise and your ideas should get the creative juices flowing and together you can come up with a design and budget you can live with. One of the most important things to remember when hiring a contractor: Make sure they are registered. Pennsylvania requires contractors who perform at least $5,000 worth of home improvements per year to register with the Attorney General’s office. Their registration number should be on their contracts and easily discernible. Whether you’re renovating for maintenance purposes, for energy efficiency, to update your living area, or just because you want something fresh, it generally brings not only a huge return on the value of your home, but also a higher level of living comfort. If you do any kind of remodeling project, email some pictures to crupp@onlinepub.com! We’ll post your before-and-after pictures on our BusinessWoman Facebook page. Share your accomplishments with your colleagues! Enjoy Spring!

Christianne Rupp Vice President and Managing Editor

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How to Add Pizzazz to Any Kitchen Top Off Your Kitchen with Natural Stone Home and Workplace 2013 Makeover Trends Remote Control – Long-Distance Access Makes Home Security a Cinch Rethinking Kitchen Remodeling Do Your Home Improvement Homework – What You Should Know Before You Hire a Contractor Updating the Look of Your Kitchen

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Retro-shaped tablemats in oatmeal lounge on vintage Wegner table.

How to Add Pizzazz to Any Kitchen Written by Ciara Cronin

Photos courtesy of Chilewich

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ere’s a common home décor conundrum: how to add some pizzazz to the kitchen without breaking the bank? Just like any other room in the home, smaller accent pieces are the key. For instance, not many people can afford to update their sofa each year, but they can stretch to a new set of cushions or a new throw to create a fresh look. Similarly, there are some “tricks of the trade” to rejuvenate kitchens that prove just as wallet friendly. Whether you dine regularly at your kitchen table or only manage to sit there while entertaining, a fast and easy way to design a new tablescape to enjoy is to incorporate new placemats and runners. With the popularity of Mad Men on the small screen, midcentury styles have had somewhat of a revival in the world of fashion and home décor. Take, for example, the retro-shape “Lounge” placemats from Chilewich; the weave of the material is very reminiscent of ’50s textiles, and to make that connection clearly evident, placemats and coasters were cut in retro shapes. Available in tonal colors such as oatmeal, vintage grey, russet, and portabello, a great way to construct a custom look would be to pair different colors of coasters and placemats with simple and elegant cream, black, or glass tableware. For people who lean more toward a rustic look, “Faux Bois” is an easy way to bring nature to the table. Literally translated as “fake wood,” this collection of simulated wood grains is available in four colors: ash, driftwood, walnut, and ebony. Choose a color that will coordinate with your existing table surface, or opt for one that will contrast to add an interesting detail. For a more head-turning look, try one of their new designs, “Cowhide.” When you first see the placemats atHOME February 2013 3


The most “ important thing to remember is that each design should reflect your personal style and personality.

Left: bone-shaped dog mats in assorted colors; runners in gold and silver metallic lace.

and runners, it’s hard to imagine the material isn’t real cowhide. They are, however, made from an embossed, printed, synthetic textile. Designer Sandy Chilewich elaborates, “Needing to dry clean real cowhide placemats is just not part of the Chilewich DNA. Being modern means being functional, and these embossed and printed synthetic textiles can simply be wiped clean with a sponge.” Go bold with black or brown spots that exhibit the bold realism of a cow’s natural graphic spots, or choose a brown or black solid pattern for a more subtle, all-over texture. To add some sparkle to your table, silver and gold are a foolproof way to elevate your dining experience. “Metallic Lace,” available in placemats and runners, appears to be real metal at first glance; however, on closer inspection, it is clearly a very intricate and refined textile. Whether you choose silver or gold, the material will sparkle beautifully under almost any lighting. “Pressed Gilt” is yet another option, featuring a naturally distressed and timeworn feel through the use of spot printing with metallic foils. This goldand-silver printing technique on top of a black base evokes the feel of a treasured ancient textile. Either design will undoubtedly add a hint of glitz and glamour for special occasions. Interior designers and decorators are the pros when it comes to creating beautiful spaces, and the kitchen is no exception. A tried-and-tested trick they regularly employ to make a room feel complete is adding flooring, such as an 4 atHOME February 2013

Below: abstract-shape lounge floormats in oatmeal, russet, and vintage grey; basketweave woven floormat, durable and easy to clean; rectangles in black spots cowhide

area rug or floormat. Often in open spaces, where the kitchen might flow into the dining and living space, alternating flooring or rugs can help define zones. A good solution for high-traffic areas, like the kitchen, is vinyl flooring. All Chilewich floormats made from woven vinyl and are available in more than 30 colors in a variety of weaves. Due to their construction, they are extremely durable and easy to clean and will look wonderful for years. And finally, when adding a touch of pizzazz to your kitchen, who could forget our four-legged friends? Any pet owner will attest to the fact that dogs and cats inevitably make a mess near their food and water bowls. A clever way to minimize the damage to your floor is to place a mat underneath the bowls. Chilewich offers a dog and cat mat, once again in their woven vinyl material, that can simply be wiped clean, while still looking modern and aesthetically appealing. Whether you choose one or all of these tips to update your kitchen, the most important thing to remember is that each design should reflect your personal style and personality. If your new additions check that box, then you’re guaranteed to enjoy seeing them each and every day for many years to come. You can check out these and other decorating inspirations at www.chilewich.com. www.BusinessWomanPA.com


Top Off Your Kitchen with Natural Stone Written by Lynda Hudzick

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othing enhances the beauty of a finished kitchen or bath more than the use of natural stone. The varieties of product available are many, and the finishes never turn out the same way twice, adding not only beauty, but also individuality to your home. Don and Mary Senft are the owners of Natural Stoneworks, located on Ice Avenue in Lancaster, a premier stone fabricator, tile installer, and retailer. The Senfts and their experienced 12-member staff strive to ensure that their customers are not only delighted with the final product, but that they feel comfortable and confident throughout the entire process, too. “We care a lot about customer service, quality, and craftsmanship, and have over

Egan Island – Seafoam green. Perimeter tops – Cambrian Sussex. Tile – Walker Zanger in Waterfall Moss.

100 years’ combined experience,” Mary Senft said. “We have an indoor slab gallery with over 100 slabs in stock and a very nice showroom. We do everything from tile backsplash to floors … we also have smaller slabs for vanities, fireplace surrounds—and anything else you want to put granite on.”

Natural Stoneworks specializes in the fabrication and installation of polished and honed granite, marble, quartz surfaces, limestone, and slate as well as the sale and installation of stone and ceramic tile. Granite is the fastest-growing choice for countertops because of its natural

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Walling Perimeter tops are Cambrian black antique granite with an eased edge. Island top is Ice Brown granite with Ogee edge. Artistic tile Claridges.

have led to a decrease in price over the past 10 years for this highly functional and beautiful choice of stone. Today, the average price is comparable to Corian and other solid-surface tops. Of course, quality does matter. A quality piece of stone will have very clear crystals and exhibit the color and characteristics of its type. Natural Stoneworks uses only the best-quality stone available, never offering inferior, commercial-grade stone and never using several seams to adjoin small stone pieces. Other stones are available as well, each with a unique look and properties. Some of those include marble, soapstone, limestone, travertine, and slate. Marble is beautiful and elegant but not recommended for kitchen countertops because it can become etched and

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beauty, durability, and quality pricing. Polished granite is still very popular, but the stone also comes in a wide variety of finishes, including honed, brushed, antiqued, leather, and velvet. Granite does have pits and fissures, part of the natural structure of the stone. The appearance can be minimized by applying sealer to the surface of the countertop. Fissures may resemble cracks but they are not a structural defect; rather, they are merely a natural result of the high pressure and heat formed in the granite. Although it is a porous stone when it comes out of the ground, the surface is filled, polished, and sealed and, thus, does not promote bacterial growth and is extremely heat resistant. For hundreds of years, granite has been used in the kitchens of professional chefs, for everything from rolling dough to preparing food directly on the stone. Granite is easy to clean with mild soap and water, or with StoneTech products, available through Natural Stoneworks. It is also highly resistant to scratching, chipping, or burning. Every stone countertop is sealed upon installation. The need for resealing is unique to the individual stone and usage. Once per year is generally recommended for lightcolored granite, and between two and five years works well for darker granite. The process is easy: basically wiping on and then wiping off. Once considered too expensive for the average homeowner, new technologies

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scratched under heavy use. It is much better suited for vanities and showers. No matter what stone you choose or what project you choose it for, deciding who cuts and installs your stone does matter greatly. Accurate templating and cutting are the beginning of a quality stone job. Polishing also requires expertise. The polish should have a mirror-like shine without swirl marks from the polisher. The experienced craftsmen with Natural Stoneworks also ensure that smooth seams are placed in discreet areas. The slab layout is maximized to achieve the least amount of seaming possible. When needed, strength is added to somewhat fragile stone by drilling and inserting rods in the back of the slab. This is another sign of quality stonework. With so many choices and options available, just getting started may seem overwhelming. The staff at Natural Stoneworks suggests that you visit their showroom and bring along your cabinet doors, wallpaper, paint samples, etc. They welcome you to bring along your own designer and any drawings you may have as well so that, together with the professional designers at Natural Stoneworks, you can make selections that will lead you to the perfect end result. The staff at Natural Stoneworks would like to acknowledge the photographic assistance of Barbara Herr Kitchens and their clientele.

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Home and Workplace 2013 Makeover Trends Written by Anita C. Yoder

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ive your home or workplace a new look for this new year. Update your decorating with some of these 2013 home trends. Just add a few ideas or start over with a complete makeover. Well, guess what is back? Brass! Polished or matted, you can use brass accessories, rods, hardware, and fixtures. Another classic that is returning is wallpaper. Elegant designs and patterns are seen on beautiful wallpaper and fabrics. Gloss, metallic, and glitzy accents enhance your decorating. Gloss finishes reflect light. Add wide stripes of gloss clear coat to your solid, painted walls for a new look. Metallic fabrics for pillows and window treatments are a great option to add life into your decorating. See Hunter Douglas’s Alustra line of blinds and shades. Glitzy fabrics are fun. Depending

From left: Alluminette Softrak blinds in a Den; Hunter Douglas hardwired, motorized Alustra woven grass shades.

upon how much glitz you like, you can use smaller doses on pillows or use larger doses in window treatments for a more modern or retro look.

Colors for 2013 will continue to be TRENDS continued on page 11

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Remote Control Long-Distance Access Makes Home Security a Cinch Written by Claire Yezbak Fadden

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ou’re traveling to another outof-town tournament for your daughter’s soccer team. That family vacation you’ve been saving for is finally becoming a reality. The new job has you working out of town three days a week and you worry about how safe your family is when you’re away. No one wants to be chained to their house. Home should be your family’s safe haven. But when life takes you in so many different directions, it might be time to think about a security system. It’s peace of mind while you’re away. And with new technology, you can monitor your house no matter where in the world you happen to be. Tethered by Technology “With most surveillance systems, you can get on the Internet and see how your house is doing,” says Dilip Sarangan, a physical security industry analyst with Frost & Sullivan, a growth partnership company. “It’s easy to remotely access your system using your laptop, your PDA, or even your cell phone,” says Sarangan. “No matter which monitoring service you select, they should offer this service.” Many companies offer products for on-the-go homeowners who want peace of mind and Before You Buy, Ask . . .

How long has your company been in business?

Can you provide me a reference list of current clients?

Do you provide all of the services or do you subcontract any of them?

Who do I contact with installation or service questions?

Are you licensed to install home security systems?

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the ability to check in. This is a huge plus to parents like me who just happen to be out of town when their college freshman returns home to do laundry. Whether you’re at home, at work, shopping across town, or on vacation, you can control your security system using the Internet, cell phones, and other We b - e n a b l e d devices. Now you’ll know if a door or window has been opened or closed or when the security system has been armed or disarmed. Depending on your level of security settings, it can let you know if a safe has been opened or an intruder has come onto your property. Sarangan, who specializes in physical security analysis, says that many cable and phone-service providers are now adding this capability to their menu of services. “Consumers should check with their cable or Internet provider. It could be something you could bundle into your existing bill. Pursue the possibility. If your company isn’t already offering the service, they will be within the next year or so.” Five Things to Think About Before You Buy Your System Purchasing your system requires some serious thought before opening up your checkbook. There are a variety of systems in just about every shape, size, and price range. But don’t be smitten by the first

company you talk to. Remember that you’re not buying a toaster oven that can be easily (and inexpensively) replaced. This is a long-term commitment to a system that will provide you with years of peace of mind. 1. Shop Around. Contact several companies to compare their services. We’re all watching our checkbooks, but price shouldn’t be the only determining factor in selecting your system. 2. Get It In Writing. Do I even need to add this one in? Of course, you know to ask for the quote of the recommended system, its components, and any monitoring that will be performed in writing. 3. Monitoring Fees. Many services ask for a monthly fee, especially if you need them to monitor your system for burglar and fire alarms. While it’s a good idea to opt for such monitoring, choose a service that does not require you to be

REMOTE continued on page 11

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Rethinking Kitchen Remodeling Written by Andrew Zahn

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ntil recently, homeowners wishing to update their outdated kitchens had very few options, most of which were unappealing, expensive, and time consuming. Kitchen Remodeling Options Traditionally, the first option many homeowners consider is simply painting their worn-out cabinets. In this application, cabinets are prepped for the process and then repainted. As one may assume, results are often marginal. High-traffic rooms like a kitchens and bathrooms need resilient remodeling options, and painting often results in chipping or scratching, leaving the cabinets in poor shape after a just a short amount of time. Homeowners who choose to paint their cabinets sometimes feel that their time, effort, and money are wasted on a solution that simply doesn’t last.

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Another option homeowners take advantage of is a major kitchen remodel. With this type of kitchen remodeling

Until recently, “homeowners wishing to update their outdated kitchens had very few options.

solution, homeowners get to completely reengineer their kitchen’s layout, update its look, and improve functionality. Still, a major kitchen remodel is often rife with frequent frustrations due to coordinating multiple contractors, hidden expenses, and the aggravation of the kitchen being virtually unusable for many weeks or even months. With these kitchen remodeling problems in mind, a local company crafted their remodeling options to eliminate these frustrations and to create a hassle-free, cost-effective remodeling option. Rethinking Remodeling Specializing in a process called “cabinet renewal,” Lewisberry-based Kitchen Saver has made kitchen remodeling a pleasurable experience for homeowners. Using their process of cabinet renewal, Kitchen Saver is often able to

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update a customer’s kitchen in about three days, eliminating much of the time-consuming hassle associated with traditional kitchen remodeling. Other available options such as rollout shelves, countertops, and various hardware and sink updates make the kitchen transformation complete. Since March 2010, Kitchen Saver has helped hundreds of customers in the Susquehanna Valley. Here’s what a few of them had to say about their experience: “I have already recommended Kitchen Saver to many people! My new kitchen is beautiful and so much more functional. I’m just amazed how different

the kitchen looks! Thank you!” – Janet H., Lancaster, Pa.

In 2011 Kitchen Saver expanded into the King of Prussia and Philadelphia

territories and is currently looking at several opportunities to expand even more. Vice president Pete Ciccocioppo noted that much of his company’s business is from referrals. “People see a new kitchen and they naturally want to know who did it. If the work is done properly and the homeowners have a good experience, the business grows. It’s just that simple. And I believe that’s why we’ve seen the success we’ve had and that’s also why we continue to grow.” Kitchen Saver can transform your kitchen in no time at all!

For the person who likes a lot of pattern, layer different patterns such as floral, toile, stripes, and checks in coordinating and complementary colors. Always remember balance. Your patterns need to complement each other and not compete. Depending on the pattern, softening with solid fabrics may be needed. Sometimes less is more. Speaking of less is more, un-clutter and organize your home’s décor. In addition to donating unwanted items from around your home, organize your accessories in groupings and themes. Have eye-catching focal pieces instead of a lot of little cluttered items that make your home appear messy. Decorating your home or workplace can be overwhelming and a lot of work. You can hire a decorating consultant to

help you with just tips and ideas or to help with a complete project. Before you hire a painter or purchase a few gallons of paint, make sure that the paint color you selected is the best choice. It is worth hiring a decorator for an hour or two to review options for your next decorating project before you waste money on the wrong color and pattern. Decorators can help you with everything from floor to ceiling, and everything in between. Heritage Design Interiors is located in Blue Ball, which is central to Lancaster, Berks, and Chester counties. Specializing in window treatments, blinds/shades, home décor, and interior design, the designers at Heritage Design Interiors can help you with your next decorating project for your home or workplace.

customize your system according to your specific needs.

discounts for installing the kind of security system that notifies police and/or fire automatically. It’s certainly worth asking about before you purchase your system.”

“Kitchen Saver can’t be beat! Their employees, workmanship, and quality of materials used were just terrific. And to say the least we were impressed!” – Robert and Marilyn T., Camp Hill, Pa. “From start to completion, all of our expectations were exceeded. The job was finished on schedule and the kitchen is gorgeous!” – Tom and Roni J., Schuykill Haven, Pa.

TRENDS continued from page 7

bright and bold. Here are the Pantone 2013 spring colors:

If you like a few everyday decorating tips and ideas, here are a few to follow. For the person who likes large patterns and high contrast, build upon one large pattern such as a bold plaid/check or floral. You will need to balance it with coordinating solids and textures.

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tied to a contract for a lengthy period of time. Select a service that has a reasonable monthly fee and no contract, so that you can change the service at any time if you are not happy with it. 4. Phone A Friend. Friends and family can be the best resource. Ask them who they use for their homesecurity system. A local dealer is your best bet, because they will help you www.BusinessWomanPA.com

5. Save Some Money. “Check with your insurance company to see if you’ll qualify for a reduction on your homeowner’s premium by having a security system installed,” advises MetLife spokesperson David Hammarström. “Most insurance companies provide

Claire Yezbak Fadden is an award-winning freelance writer and mother of three sons. Follow her on Twitter @claireflaire.

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Do Your Home Improvement Homework What You Should Know Before You Hire a Contractor Written by Claire Yezbak Fadden

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ccording to the National Association of Home Builders (NAHB), Americans will spend some $108.4 billion on home remodeling this year. Homeowners have discovered that improving their current residence

(installing a new bathroom, updating a kitchen, or even just installing dualpane windows) can be a wiser investment than purchasing a new residence. With some cautious planning in assessing your needs and choosing the right contractor, your remodeled house can become the home of your dreams. Hiring a contractor to make improvements to your home is a major decision and one in which you’ll invest a great deal of your hard-earned money. What Type of Contractor Do I Need? Once you have your plans drawn up, it’s time to secure the services of a contractor. But which one? There can be more than 40 different types of contractor licenses, ranging from general building contractors to specialty licenses such as plumbing and roofing. Since most home improvements require more than one specialty contractor, it is often a good idea to hire a general building contractor (GBC). A GBC will oversee the projects

and coordinate the subcontractors for your job. This GBC also may hold a specialty license for specific types of work, such as carpentry or electrical, and may opt to perform those tasks rather than subcontract them out. Finding the Right Contractor You’ve probably been talking to your neighbors, coworkers, and family to see if they know of a reliable contractor. And you’ve probably been noticing ads for home remodelers that show beautiful work they’ve done. The Internet can be helpful in preliminarily researching prospective remodelers, but you need to take further steps to ensure you hire a reliable, stable, and quality contractor. Consider only contractors who are licensed. Pennsylvania requires that residential home improvement contractors register with the Pennsylvania Attorney General’s office and that they comply with the requirements of the new law. Ask for three references of past work completed in the area, similar to the type of project you’re planning to take on. Get at least three bids. If one bid is substantially lower than the others, chances are that the contractor has made a mistake or is not including all the work quoted by his or her competitors. You may be headed for a dispute with your contractor if you accept an abnormally low bid and find that all of the work was not included and you’re stuck in litigation. For comparison, get at least three written bids. You will need to have copies of your blueprints available for each contractor to ensure that the bidding process is equal. Put it in Writing As with any agreement, a home-

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improvement contract is best when everything is spelled out in writing before the project begins. A written contract protects both the homeowner and the contractor. When signing the contract: • Get all verbal promises in writing. • If you intend to do some of the work or hire a subcontractor, write this into the contract. • Don’t sign any blank or partially blank contracts. • Verify the financial terms of the contract so you understand the total price. • Specify all materials to be used, including weight, color, size, brand name, quality, or quantity. • If you and the contractor agree to change something from the original contract, have those changes reflected in a written “change order.”

• Get a copy of the contract signed by both parties and keep it in a safe place. Payment Schedules After you and your contractor have agreed on a price, by law the job must be completed for the agreed-upon sum. There must be a written change order if the price is to be modified. Your contract should list a schedule of payments, showing the amount of each as a sum in dollars and cents. Each payment should correlate with a specifically referenced amount of work or services to be performed and to any materials and equipment to be supplied. Your initial down payment must not exceed $1,000 or 10 percent of your contracted price. Never let payments get ahead of the work completed.

Keep the Communication Open With any home-improvement project, there will be delays and inconveniences. Talking to your contractor can minimize many of these. Don’t be afraid to ask questions. Ask when the power will be temporarily shut off or the water disconnected, so you can plan for the inconvenience. But even with the best planning and communication, conflicts are bound to occur. Remember to keep your eye on the prize—a beautiful remodel. When your home improvements are completed, you become a reference for your contractor and a resource for another family just beginning their remodeling adventure. Claire Yezbak Fadden, a freelance writer and mother of three, enjoys her newly remodeled formal dining room. Follow her on Twitter @claireflaire.

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Updating the Look of Your Kitchen

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hinking about updating your kitchen but wondering, What can I do? Here are some suggestions: Think about changing the color of your walls, your countertop, or your cabinet hardware, and consider a new backsplash. These options can make such a dramatic change. A backsplash can instantly update a tired kitchen and make everything feel much newer, cleaner, and more updated. When you are designing a kitchen backsplash, these materials work well: ceramic or porcelain tiles, natural stone tiles, glass tiles, metal tiles, stainless steel, and bead board. Backsplashes can run from very intricate to very simple designs. Currently the trend is a more streamlined use of tile. If you look closely at design magazines, you will see the use of classic subway tiles or a solid glass tile for a monochromatic but elegant look. A combination of stone, tile, and glass accents is also a great look. The nice thing about using tile as a backsplash is that it can be easy to install and comes in a huge variety of sizes, colors, textures, and shapes, and it’s easy to clean. Worried about staining the grout? Don’t be. They now have grout that is stain resistant and never has to be sealed. If you’re concerned about outlet covers and switch plates, have them faux painted to match your material or hide them under your cabinets with plug molding. Pair your backsplash with a beautifullooking granite or solid-surface material and you definitely have a striking combination. There are many choices for countertops today. Granite is the most

Written by Eileen Riddle

popular and is available in a honed or a leather texture, which eliminates the glossy shine for a more casual yet elegant look. Other materials include quartz, wood, concrete, laminate, and metals. Hardware becomes the jewelry of the kitchen. With so many finishes and styles to choose from, you’ll have fun selecting the hardware to complement and accent the rest of the design elements in your kitchen. Keep in mind, if you’re updating the kitchen and not installing new cabinets, you will have to keep the existing hardware size. Another nice touch to your kitchen would be a tiled niche. These can be created behind a hood design to hold those pretty oil bottles. If you’re fortunate enough to have an island or space to install an island, you have the opportunity to make a statement. Today the trend is toward a more furniture look in the kitchen, with the island being a different finish than the rest of the cabinetry. If your existing cabinetry is a wood finish, the island could be painted with some distressing or rub through. Moldings such as furniture feet, bead board, leg turnings, and baseboard can add that special touch you’re looking for. Islands also offer the perfect opportunity to create added storage areas, such as a trash recycle pullout, pot and pan storage, or tray dividers. Think about the extra seating you could gain with the right design. Now would be the time to change out your sink and faucet as you look at your choices of countertops. Put a great deal of thought into your selections as you will be using this feature in your updated

A backsplash “can instantly

update a tired kitchen and make everything feel much newer and updated.

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From top: tiled niche with potfiller; marble backsplash.

kitchen many times throughout the day. The choices seem endless, from various stainless steel finishes to the new composites and the more traditional enameled cast-iron sinks. The size and shape of your new sink will also be a consideration. You will need to make sure you select a sink that fits into your existing base cabinet. Faucets come in varied finishes to match just about any décor, including beautiful, sleek models and even some that turn on and off by the wave of a hand. It would be beneficial to consider hiring a professional who has the expertise and experience in the kitchen and bath field to ensure not only that your money is well spent, but also that you end up with a space that supports life’s daily chores and the finished look you desire. www.BusinessWomanPA.com


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