Convert Your Living Room – A Home Improvement

From early times in the United States (U.S.), up to the 1970s, much family activity centered on the living room of a home. Also known as “the receiving room,” home makers took guests there as soon as they entered the home. This room contained the best seating and furnishings. There, the draperies hung finely about the windows. A small piano might reside in the room. A vase with fresh-cut flowers and a bowl filled with nuts or mints might rest on the coffee table. “Eat something while I fetch coffee from the kitchen,” a home maker might say to guests.

Kept spotlessly clean, the living room location permitted the homemaker to entertain guests without their getting far into the dwelling (where messes lurked). A home maker might comfortably engage in polite and interesting conversation, and make an impression on guests in the living room. That location, the most formal, coat-and-tie room in the house, exuded sophistication as well as cleanliness and it wordlessly identified the family as rising in social status (or it did not). But, housing changed in the U.S. in the 1970’s when people wanted to express themselves, to have more choice, and they cared less about what guests thought of them.

They cared more about configuring their home with imaginative and useful living space. Still, even today, most newly constructed homes, as well as the ones built before the 1970s, have living rooms. Yet, the family room (where the radio once rested, then the television set sat, and now the wide-screen TV mounts upon a wall) practically centers both the family and their guests. Entertainment in the digital age, not simple conversation, requires access to digital content (no coat-and-tie necessary or wanted).

Homeowners began to remodel their living rooms into home offices, a special room ensconced with a desk, a computer work station, and online access. Then, the computer work station evolved to become the source of computer games and many former living rooms and offices became online gaming rooms. Now, neither computing nor gaming require sequestering in a room. A tablet or a laptop enables mobile computing and a smart phone enables online gaming.

Where does this leave the old living room? Some people place a bar there, complete with a pool table. For other people, this has become the guest bedroom (closed off with an access door to a full bathroom). Pets sometimes get the room for themselves, complete with their bed, toys, a hundes bar (a hound’s bar with water and kibble), and an access door placed at the base of the front door. Any of these ideas make more sense than a living room devoid of life, a haunt of bug ghosts and dust bunnies. #Tag1writer

Home Depot Credit Card Facts

The Home Depot Credit Card is unlike any credit card you’ve ever known. Not only can you get 6 months of free interest if you spend over $299.00 but you also get opportunities a few times a year to defer payment and interest for a whole year. This is great, especially when you want to buy a major purchase. There are also many discounts and promotions that you can only get if you have the Home Depot credit card.

You can also choose the credit card that has the rewards program. This is where you get rewarded for buying things at Home Depot using your Home Depot creditcard. You can get free money to spend at HomeDepot. It is a really great program. Review the details of this great program and you will want to sign up.

One of the best features about the Home Depot Credit Card is that there is no annual fee. It is rare to find a credit card these days with no annual fee. This can save you a lot of money. Most credit cards charge an annual fee of over $100.

When you check your local Sunday paper you should look for the HomeDepot ad and see when they are offered their deferred payments promotions. When you spend over a certain amount you pay no payment or interest for one year. This is a great time to sign up for a Home Depot creditcard. If you need to purchase items for your home but, like most of us, are having some financial difficulties, then this is a great way to save some money.

You can also get reduced APR. If you spend $2000 or more the interest on your Home Depot creditcard will be reduced by almost 6%. It is a really great option. There is also zero liability on all unauthorized purchases. You can track all purchases on the internet with their internet account.

Remember that if you are planning to make a big purchase at HomeDepot then apply for a HomeDepot credit card for all of its great benefit. Get the rewards with their rewards program and also get the low APR so your payments are even lower. Get a year of no payments if you spend the minimum amount with no interest. Just go online and read the specifics on their creditcard. Apply for the HomeDepot creditcard today and you won’t be disappointed!

Adventures In Home Improvement

Tim the tool man here again bringing you another adventure in home improvement. This time offering a step by step guide for any do it yourself project when your home has an unexpected leak coming from the ceiling inside your house. One of the first thoughts when you first notice moisture, a water spot, of hear that dripping sound when ever it rains is that somewhere on your roof there just maybe a crack, a small hole where a roofing nail used to be or some missing caulk around the flashing around the roof vents. In any case trying to find just where that leak is coming from on your roof is like finding a needle in a haystack. In other words an impossible task to locate just where that crack or hole is on one’s roof.

There are many options to consider when one is faced in preventing further water damage inside one’s home due to a leaky roof. The most obvious one is the thought that the roof is old and it might be in need of a total replacement. That’s the most expensive option. One that will cost well over $5,000 or more depending on the square footage of your roof. For many of us especially us senior citizens living on Social Security that is not the option. The best chance to eliminate any leaks, protect home and at the same time if you happen to live in a warm climate such as Florida keep your interior cool on those extremely hot and humid days is to apply a silicone water proof barrier over the entire roof.

With the advent of today’s silicone roofing technologies they have come up with various sealants that would more affordable and more practical to apply directly on your roof instead of a total roof repair. Through due diligence and research on the many types of silicone sealers I recommend Eterna-Lote S-100. From all the recommendations there are this one is by far the best choice for any type of roof. You can order it online but, for sheer convince and cost Home Depot carries this brand. They say timing is everything for I was just fortunate enough to be at Home Depot when they had Eterna-Lote S-100 on sale. Originally a 5 gallon bucket would cost a little over $200 but it was marked down to $70. The square footage of my roof required two 5 gallon drums of this sealant. A far better price than had I opted to replace my roof. Besides there is a 50 year warranty. What a deal.

There really isn’t much to do once you have the necessary equipment needed to complete the task at hand in applying this sealant on your roof. 5 gallons covers just about 500 square feet no primer needed. What I recommend for a single story dwelling is an 8ft. ladder, and extendable roller handle with a paint roller designed for rough surfaces considering our roof is a rolled out shingled roof. Next you will need an empty 5 gallon bucket. Once you have these necessary tools application is easy to do.

One other word of caution is to check the weather forecast before applying. For best results your roof should be dry and free of any debris. If any rain is in the forecast wait until there is at least two days of warm dry weather before and after applying this sealant. What I did was wait until the weather was a balmy sunny 65 degrees. And in Florida during the winter months 65 degree days are quite common. I started with emptying 2 gallons of Eterna into the empty 5 gallon bucket giving me easy access to lift it up on to the roof. This is because I am not Hercules any longer and 5 gallons of this sealant weighs just about 100 lbs. So carrying that weight up my ladder would have been a considerable chore, to say the least.

Having a slow pitched A frame roof it is quite easy to move around without any safety lines. Just be careful when you come close to any edge. That is why having this extended roller handle came in handy. Starting in the back of he house I proceeded to roll this sealant covering the roof, easing my way toward the front. Two and a half gallons of sealant covered 1/4 of my roof surface. Four hours later exhausted from all the non stop application I finally finished. It was around 3:45 PM just about the time the instructions stated that” for best results do not apply after 4 PM.” All I had to do now was clean up.

Clean up is relatively easy Paint thinner is the best choice to clean your roller and any drops of sealant that just happened to splatter on yourself. I wasn’t so fortunate though I look down and my legs were splattered with sealant. I probably had more sealant on me than on some parts of my roof. Just kidding though. Anyway with a clean cloth and paint thinner I managed clean up what ever mess I made.

The moment of truth arrived to see how effective this roofing sealant really is two days latter. It was around two in the morning and rain started pouring down. Wind gusts exceeded 50 mph and for four hours driving rain pounded the roof. Somewhere during that time two large tree branches broke off landing just short of our outdoor kitchen just missing the roof. Through it all not a drop came through our ceiling. Our house was safe and dry.

So if you have a leak somewhere coming from your ceiling and you know it is not coming from an upstairs bathroom it could only come from a crack or leak somewhere on your roof. Instead of replacing your roof Tim the tool man recommends Eterna-kote S-100 ultra silicone sealant for your roofing repairs even if you happen to locate where that leak is coming from. It works. Tim the tool man signing off until the next time.

Rent To Own Homes – A Viable Option for Credit Challenged Home Buyers and Frustrated Sellers in 2008

The typical rent to own buyer desperately wants to become a home owner but their credit scores aren’t sufficient enough to qualify for a reasonable mortgage at the present time.

The rent to own buyer will typically need 6 – 24 months to rebuild credit, accrue monthly rental credits, and to save money for their down payment.

The advantage to the buyer is they can live in the home now while they get their financial affairs in order, lock the price and build down payment credits.

The advantage to the seller is they typically have a much stronger tenant living in their home vs. the typical rental scenario. The seller also collects a larger, non-refundable option fee down payment from the tenant. The tenant now has a vested interest in maintaining and buying the property from the seller at the end of the option period.

Credit repair is an extremely important component of the rent to own home buying process. The buyer must be proactively working on building better credit throughout the option period. It is recommended that the rent to own buyer works with a respected lender and/or credit repair firm to assist with the credit rebuild. The seller should also be working with their future buyer to ensure they remain on track to purchase their home.

Due to the current ailing real estate market, it is critical that the rent to own buyer and the seller work together as a team. Some of the major issues everyone needs to pay close attention to are:

  1. Is the property valued correctly? If not, the buyer runs the risk of having difficulties when they try to get their financing. If the house doesn’t appraise for the agreed upon sales price, the seller needs to step up and renegotiate or risk losing the deal all together.
  2. Is the buyer making on time rental payments each and every month? A good lender will be able to use this “on time” documented payment history to the benefit of the rent to own buyer at closing time.
  3. Is the seller willing to credit the buyer (rent credits) for “on time” rental payments? This is extremely important in assisting the rent to own buyer with building additional down payment funds.
  4. Is the seller meeting all their mortgage repayment obligations while the tenant is preparing to buy the home? Unfortunately, there are some cases where the seller has defaulted on their mortgage obligations and the home has fallen into foreclosure before the rent to own buyer has had a chance to buy the home. This is rare but it could happen…be careful…ask to see the buyers current mortgage statements every so often.
  5. Is the sellers title free and clear? This is a very important to look into because the seller could have difficulties closing if they have a big lien or judgment attached to their home.

There are a few things to watch out for when entering into a rent to own agreement but for the most part it can be a very viable option for both parties. The seller is able to sell his/her home creatively in a slower real estate market and the buyer locks into a price and has time to build their credit.

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