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Real Estate
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(ARA) - The idea of someone breaking into your home and stealing your possessions, or worse, threatening your family, is a terrifying notion. Unfortunately, over the years, criminals expand their repertoires of techniques to get inside homes. The good news is you can make your home more secure. Thieves are clever, but, armed with the right knowledge you can be smarter than they are.
One technique that thieves are using more often is "key bumping." With this method, thieves use a filed-down key that can fit into most locks. By inserting the filed key into the lock and tapping it, they cause the locking mechanism to release your bolt lock. Similarly, "spring bumping" involves putting a small spring on a filed-down key and tapping it to dislodge the locking mechanism in your door. Since these methods cause no physical damages to your home, it is easy for a burglar to simply walk straight into your home, take whatever possessions they wish, and leave without any trace or evidence of theft. In other words, you are left stranded without any way of claiming a home invasion to your insurance company.
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(ARA) - Owing more on your mortgage than your house is worth may seem like a bad investment. But the alternative - choosing to default on your mortgage even if you can afford the monthly payments - will take a significant toll on your credit rating.
"Strategically defaulting - deciding to stop paying your mortgage regardless of your ability to actually carry the debt - will have a far-reaching, long-lasting impact on your ability to secure future credit," says Maxine Sweet, vice president of public education for global information services company Experian, one of the three large credit reporting companies that receive and update consumer credit histories which are scored to help predict risk. "It's by no means a move to be undertaken lightly."
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It's no secret that recent economic troubles have caused something of a "buyer's market" when it comes to real estate in the U.S. With more than 27,000,000 homes for sale as of May 2010, house hunting can be an overwhelming proposition.
Tirelessly viewing home after home, worrying about carrying costs and future repairs, and trying to learn the ins and outs of a particular market are just a few issues home buyers may encounter. Despite the hurdles, looking for a new home can be a fun process. Follow these simple tips to take the headache and confusion out of your house-hunting endeavor:
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(ARA) - You know that moving into a new home can be one of life's biggest stressors - the packing, the paperwork, the unpacking, finding the nearest coffee shop ... even though numbers are down, 35.2 million Americans changed residences in 2008, according to a report by the U.S. Census Bureau. There are many ways to make your new house feel like home sooner than later, according to interior design faculty at The Art Institutes.
"Incorporating items with personal meaning, such as memorabilia or a special collection, can make your new place feel less like a stranger's house and more like your home," says Annette Lawrence, academic director of the Interior Design program at The Art Institute of Ohio - Cincinnati. Lawrence describes the concept of "adaptive re-use," an easy, inexpensive way to create a "sense of place" - in other words, making your new house the place in which you feel most comfortable - home.
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(ARA) - If you think having great curb appeal is only important if you're trying to sell your home, think again. Your house is one of your biggest investments and making a great first impression will leave everyone - not just potential buyers - wanting to see what's inside. With 10 simple improvements, you can easily transform your home into the best looking house on the block.
In a day
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(ARA) - It's most likely one of the top reasons you've been putting off that bathroom makeover or remodel -- you're not sure where to begin. What color theme will you use? Do you want a pedestal sink or a furniture-style vanity? Will you incorporate any green faucets or fixtures? And, with all the decisions to make, will it all look good together and still perform well?
These questions, and many others, should be at the top of your list when you start mapping out your next bathroom project. Luckily, many manufacturers have made it easier in recent years for you to answer those questions in a painless, affordable way.
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(ARA) - Renovating your home can be daunting. The last thing you want to worry about is the possible lead-related health risk of some common renovation tasks. Sanding, demolition and siding and window replacement can all disturb lead-based paint, placing you and your family at risk of lead poisoning.
Because of these risks, the United States Environmental Protection Agency (EPA) developed the Lead-Based Paint Renovation, Repair and Painting Program to help protect homeowners. As of April 22, the legislation requires that workers, including contractors, painters and maintenance personnel, be trained to use lead-safe work practices. Additionally, renovation firms must be EPA-certified.
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(ARA) -- Living on a budget is the norm, rather than the exception, in the current economy. Whether you're trying to entice potential homebuyers or just want to give your living space a quick spruce up, here are a few tips for making a big impact in the look of your home without breaking the bank:
* Start small. Small improvements - like a fresh coat of paint or an attractive new floor - truly update a home because people's eyes tend to notice surface areas first. Experts agree that these upgrades make all the difference to prospective buyers as well. According to the International Association of Home Stagers, investing in small upgrades can increase a home's value as much as 7 percent - and a new floor has been proven to return nearly twice the value for every dollar spent.
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(ARA) - With warm weather months here, it's the perfect season for the annual ritual of performing a spruce up around your home. Planting gardens, improving the look of your lawn and maybe applying a fresh coat of paint to the window trims are on your to-do list. An appealing exterior offers an invaluable first impression to neighbors, friends, and - if you're trying to sell, which many do prior to the beginning of school in the fall - perspective buyers.
In fact, small-scale exterior projects are the most profitable during resale, according to the 2009-10 Remodeling Cost vs. Value Report by the National Association of Realtors (NAR). "Once again, this year's [report] highlights the importance of a home's first impression," says NAR President Vicki Cox Golder.
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