Budgeting for Home Repairs and Improvements

Summer is around the corner, which usually means peak home improvement season. We understand that creating the right budget to fix all of your home repairs and improvements can be tough. Here are a few tips to help you along the way.

Once you figure out your budget, give Roof One a call! We’d be happy to offer your our contracting services.

http://www.networx.com/article/how-can-i-afford-home-improvement-and-reHow Can I Afford Home Improvement And Repair? – Articles – Networx Is there a contractor in your future? After a long hard winter, you might very well need a few fenceposts replaced — or a whole new roof. Or perhaps you’d like to celebrate spring by installing your dream kitchen or patio. Not to be a Debby Downer, but all those things cost money. Before you pick up the phone to hire a roofer, remodeler, or concrete specialist, take a good hard look at how you can afford the home repair or improvement you’re considering.

DISCLAIMER: Loan periods and interest rates vary. Consult your financial adviser for detailed information about your specific situation.

THINK, THINK, THINKMake a list of all the repairs and home improvement projects that you are daydreaming about. Then bring those dreams down to earth by carefully considering each task:

Prioritize your spending; allocate funds first to crucial home repairs or renovation projects that offer an excellent return on investment, such as attic insulation (107.7% ROI) or entry door replacement (90.7% for a new steel door).

DO YOUR HOMEWORKThe internet makes it fast and easy to research your pet projects. Compare price, appearance, and durability of various materials – for example, hardwood flooring versus laminate. Check out ways to save without sacrificing quality … perhaps by buying tiles in last year’s style (just be sure to purchase a few extra to allow for breakage and future repairs). Find out the going rate for home improvement contractors in your area. In addition to materials and labor, allow sufficient funds for hidden costs. To illustrate: during a major home remodel, you might have to find temporary accommodation and furniture storage for a while.

LOOK FOR FREE MONEYIn the case of a repair, start by checking with your insurance provider to see whether your homeowners policy will cover the job. Investigate federal, state, and municipal grants, community development programs, or assistance from nonprofit organizations for essential home repairs and/or improvements. Search for rebates, tax credits, and incentives offered by government agencies or utility companies on environmentally friendly upgrades, such as the installation of high-efficiency HVAC equipment.

DIY OR NOT?Do-it-yourself might seem like an easy, affordable solution and there are lots of instructional videos that show how to perform simple repairs — like fixing a dripping faucet. It’s important to be realistic, though. Do you have the time and patience (not to mention the practical skills and equipment) to do a topnotch job? Make sure to pull all necessary permits and work to code. Negligence in this area may lead to more financial trouble down the road, when you try making insurance claims or selling your house.

USE CREDIT CARDS — WISELYAre you surprised at the idea of financing home improvement with plastic? It actually makes more sense than you might think for projects under $15,000. Your card can provide quick funding up to your credit limit, without the paperwork of a bank loan – very useful when you suddenly need to repair a roof leak or spruce up before an open house. The debt is unsecured so you don’t risk losing your house if you get behind in the payments. You’ll also earn yourself a bundle of rewards points. Best-case scenario: take advantage of low- or no-interest credit card promotions and be sure to pay off your balance in full before the offer expires. Otherwise, you will be facing hefty interest charges, to the tune of 15 percent or higher.

TAKE A PERSONAL LOANFor improvements or repairs costing between $15,000 and $50,000, a personal loan might be the way to go. The application process is streamlined and this type of unsecured loan does not require you to put up your home as collateral. Interest rates are fairly high, though, starting at approximately 7 percent APR or more, depending on your credit rating, geographical location, loan amount, and term.

TAP YOUR HOME EQUITYOn the other hand, to finance $15,000-50,000 worth of work on your house, your best bet could be a home equity line of credit (aka “a second mortgage”), especially if your credit rating is not so hot. A HELOC offers lower interest rates than an unsecured personal loan – about 4 percent with an excellent credit rating — and is convenient to use for multiple small home improvement expenses, but you are literally betting the farm (or your home) that you will be able to make the payments on time every month.

COVER HOME AND IMPROVEMENTS WITH A 203KAre you considering buying a fixer-upper — or does your current home need some fundamental repairs? An FHA 203K loan could be the right type of financing for you. It is basically a mortgage (new or refinanced) that covers both the house purchase price and the planned improvements. Interest charges on this type of loan may amount to as much as 1 percent more than conventional mortgage financing, but it offers 2 major advantages: a 203K allows you to borrow a substantial amount and pay it off over an extended period.

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Snow in Spring

Well folks, it looks like Colorado is getting hit with another wave of snow. This time it’s from Winter Storm Valerie. Make sure you prepare yourselves and your home for this cold front!

If you need any assistance, give Colorado Superior Roofing a call.

https://weather.com/storms/winter/news/winter-storm-valerie-rockies-snow-forecast-mid-may-2017 Winter Storm Valerie has dumped feet of snow on parts of the Rockies.

Winter storm warnings and winter weather advisories are in effect.

Wet snow is also affecting lower elevations of Wyoming and Colorado, including Denver.

The combination of wet snow and wind will likely lead to tree damage and power outages.

Winter Storm Valerie is an unusually strong late-spring snowstorm that has already dumped more than three feet of snow on the Rockies, caused tree damage and power outages, and also forced road closures.

Winter storm warnings and winter weather advisories remain in effect throughout Wyoming and the mountains of Colorado. These warnings include the cities of Cheyenne, Wyoming, and Denver.

The majority of snow from Valerie will continue to fall over parts of Wyoming and Colorado into Friday.

More than three feet of snow had fallen in the higher elevations of Colorado as of late Thursday, particularly in Boulder County. Snowfall rates of 1-3 inches per hour have been observed.

Several thousand Xcel Energy customers in Boulder and Jefferson County, Colorado, had lost power as of late Thursday.

The top amount from Valerie so far is 38.2 inches near Ward, Colorado. 8.4 inches of that total fell in just under three hours Thursday afternoon.

The snow has forced a stretch of Interstate 80 to be closed in Wyoming between Laramie and Cheyenne, according to the Wyoming DOT. More than a foot of snow has fallen in parts of Wyoming from Valerie.

The Front Range of Colorado, including the Denver metro area, will see its most significant snow through Friday morning. The greatest impacts, including power outages and tree damage, are expected west of Interstate 25.

read more at weather.com

What’s With Morning Breath?

We’ve all been awakened by the stink of morning breath – whether it’s yours or someone else’s. So how do we tackle it? Well, below is an article that explains how/why morning breath occurs and different tips to help treat it.

If you find that you’re still struggling, stop by Colorado Smile Design. We care about your oral health!

http://www.everydayhealth.com/dental-health/why-do-we-have-morning-breath.aspxWhy Do We Have Bad Breath in the Morning? – Dental Health – Everyday Health Does this sound familiar? You wake up in the morning and quickly cover your mouth with your hand so your partner doesn’t get a whiff of your bad breath. Morning breath, halitosis — whatever you call it, it can be unpleasant and it probably isn’t the way you want to greet your partner, or the day.

“Everyone has morning breath to some degree,” says Sally J. Cram, DDS, a periodontist in the Washington, D.C., area and a consumer adviser for the American Dental Association. Here’s the simple reason why: When you sleep, your mouth dries out. When your mouth dries out, odor-producing bacteria proliferate. “When you sleep, your normal flow of saliva decreases,” Dr. Cram explains. “That’s why your breath can be worse in the morning.”

If you snore or breathe through your mouth at night, you’re more likely to have bad breath in the morning than those who don’t, she adds. In both situations, your mouth is even more prone to drying out, setting the stage for bacteria to grow.

Other Causes of Bad Breath

Some medications can cause your mouth to become dry overnight, worsening your halitosis. That’s why older people, who are often on many medications, frequently find their breath more unpleasant in the morning.

Smokers also may find they have bad morning breath. Smoking not only causes your saliva — your natural mouth rinse — to dry up but also can raise the temperature of your mouth, making it a breeding ground for that dreaded bacteria that causes bad breath. Add this to your list of reasons to quit smoking.

Allergies, too, can lead to bad breath. The mucus that drips down the back of your throat becomes a food source for bacteria. Should your postnasal drip become infected, it can put more odor-causing bacteria in your mouth.

How to Treat Bad Breath

If you’re one of the 65 percent of Americans with halitosis, there’s good news: Bad breath is treatable.

Brush. Odor-causing bacteria accumulate between your teeth and on your tongue, so practicing good dental hygiene will do a lot to improve your morning breath.

When you brush, be sure to do so for at least two minutes, not the 35 or 40 seconds that many people do.

After you brush, go directly to bed! “Don’t eat or drink anything so you’re not leaving food in your mouth,” Cram says.

Also, when you brush your teeth, brush your tongue too. Another favorite repository for odor-causing bacteria is the back of your tongue. You’ll notice your breath is fresher in the morning if you brush your tongue before you go to bed.

“Eighty-five percent of bad breath comes from the tongue,” says New York dentist Irwin Smigel, DDS, the president and founder of the American Society for Dental Aesthetics. “It really helps tremendously to use a tongue cleanser before you go to sleep, or anytime during the day.”

Floss. Brushing alone won’t remove the food particles that can become stuck between your teeth and gums. “Flossing is as important as brushing,” says Kimberly Harms, DDS, a dentist in Farmington, Minn., and a spokeswoman for the American Dental Association.

Rinse. Mouthwash will get rid of the odor but only temporarily. Cram suggests that when you are buying mouthwash to kill the germs that can cause bad breath, you look for one that has a seal of approval from the American Dental Association.

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Sewer and Septic Systems 101

Ever wondered what happens after you flush the toilet? Well, here’s a breakdown of how sewer systems and septic lines work.

At GoDirect we’re happy to take care of all your plumbing and sewage situations. Let us handle the crap!

http://home.howstuffworks.com/home-improvement/plumbing/sewer.htm/printableHow Sewer and Septic Systems Work | HowStuffWorks In this article, we will look at one of inner workings of sewer systems so that you can understand how they handle the billions of gallons of wastewater that the world produces every day!

A septic tank is simply a big concrete or steel tank that is buried in the yard. The tank might hold 1,000 gallons (4,000 liters) of water. Wastewater flows into the tank at one end and leaves the tank at the other. The tank looks something like this in cross-section:

In this picture, you can see three layers. Anything that floats rises to the top and forms a layer known as the scum layer. Anything heavier than water sinks to form the sludge layer. In the middle is a fairly clear water layer. This body of water contains bacteria and chemicals like nitrogen and phosphorous that act as fertilizers, but it is largely free of solids.

Wastewater comes into the septic tank from the sewer pipes in the house, as shown here:

A septic tank naturally produces gases (caused by bacteria breaking down the organic material in the wastewater), and these gases don’t smell good. Sinks therefore have loops of pipe called P-traps that hold water in the lower loop and block the gases from flowing back into the house. The gases flow up a vent pipe instead — if you look at the roof of any house, you will see one or more vent pipes poking through.

As new water enters the tank, it displaces the water that’s already there. This water flows out of the septic tank and into a drain field. A drain field is made of perforated pipes buried in trenches filled with gravel. The following diagram shows an overhead view of a house, septic tank, distribution box and drain field:

A typical drain field pipe is 4 inches (10 centimeters) in diameter and is buried in a trench that is 4 to 6 feet (about 1.5 m) deep and 2 feet (0.6 m) wide. The gravel fills the bottom 2 to 3 feet of the trench and dirt covers the gravel, like this:

The water is slowly absorbed and filtered by the ground in the drain field. The size of the drain field is determined by how well the ground absorbs water. In places where the ground is hard clay that absorbs water very slowly, the drain field has to be much bigger.

A septic system is normally powered by nothing but gravity. Water flows down from the house to the tank, and down from the tank to the drain field. It is a completely passive system.

You may have heard the expression, “The grass is always greener over the septic tank.” Actually, it’s the drain field, and the grass really is greener — it takes advantage of the moisture and nutrients in the drain field.

Why are manhole covers round? Because it avoids accidents. Since manhole covers are round, it is impossible for a cover to fall down the manhole. If they were square or rectangular, they could. In the ideal case, a sewer system is completely gravity-powered, like a septic system. Pipes from each house or building flow to a sewer main that runs, for example, down the middle of the street. The sewer main might be 3 to 5 feet (1 to 1.5 m) in diameter. Periodically, a vertical pipe will run up from the main to the surface, where it is covered by a manhole cover. Manholes allow access to the main for maintenance purposes.

The sewer mains flow into progressively larger pipes until they reach the wastewater treatment plant. In order to help gravity do its job, the wastewater treatment plant is usually located in a low-lying area, and sewer mains will often follow creekbeds and streambeds (which flow naturally downhill) to the plant.

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Mixing Styles in a Traditional House

thisoldhouse.com

Jill Cordner, an interior designer in San Francisco, says you can mix styles, especially if the new elements are clean-lined. She suggests the following:

We are proud to be your Centennial electrician, and by being in this area, we see different aged houses all of the time. What if you like modern lighting but live in an older house? Below are some suggestions on designing lighting in houses like these.

Coordinate finishes:  If you have a silvery mirror or sconces, stick with that finish. Darker and warmer metal finishes mix more easily than, say, chrome and antique brass. Black goes with almost anything.

Go for a simple shape:  A clear globe or linen drum is foolproof. Or replace a candlestick chandelier with a Sputnik-style fixture—its touch of glamour translates well to a traditional interior.

Pay attention to scale:  Add up the length and width of the room in feet; that number, in inches, will give you the ideal diameter for the fixture. Or, if the fixture will be over a table, make it a third of the table’s length.

Mixing Styles in a Traditional House | This Old House

 

Maximum Value Home Exterior Projects: Doors

hgtv.com

As the central focal point for visitors, potential homebuyers and everyone who looks at your home’s exterior, your front door plays a crucial role in the perceived value of your home.

During our time as El Paso roofers, we have seen many different types of homes. Some homes create accents with color and some with landscaping. There are many options. One element of a home we always like to notice is the front door. If unique, your front door is sure to catch some attention.

While most homeowners inherited their front door with the purchase of their home, a majority see their current door as an inaccurate reflection of their personal style. Invest in a front door that speaks to who you are as a homeowner but also stays within the architectural detailing of the home. By incorporating both mindsets, you’re bound to have potential buyers come a knockin’.

It is important to make a statement, but one that fits within the style and proportion of your home. According to appraisal expert Leslie Sellers, homeowners who try and go above and beyond, in all aspects, do more harm than good. Too far outside the mainstream might detract a number of potential buyers, while dull and boring could have the exact same response. Don’t make it too hard on yourself– think about what works best for the overall theme of your home’s exterior and what can make your home stand out above the rest, in a good way of course.

Maximum Value Home Exterior Projects: Doors | HGTV

 

 

Study reveals healthiest states for the 65+

aarp.org

Older Americans are benefitting from improvements in clinical care, but many face significant financial barriers to better health, according to a new assessment of state and national health care.

 We are all relatively aware of how beautiful Colorado is but have you ever wondered about where senior living in Denver ranks compared to the rest of the country? A new report has been released, and Colorado made the top 5!

The report lists Minnesota, Utah, Hawaii, Colorado, New Hampshire and Massachusetts as the healthiest states for older people. Mississippi, Kentucky, Oklahoma, Louisiana, Arkansas and West Virginia ranked lowest in fostering the health and well-being of older residents.

The rankings came from the United Health Foundation’s fifth annual “America’s Health Rankings Senior Report,” based in part on a survey of 1,997 people 50 and older, released in partnership with the Alliance for Aging Research. “California and South Dakota made the greatest strides to improve their health rankings over the past year,” a summary of the report says.

The study found some good trends since 2013, including a 30 percent decrease in hospital deaths among Medicare patients 65 and older and a 7 percent decrease in hospital readmissions among 65+ Medicare patients.

“We are encouraged by the improving quality of care current seniors are receiving, yet more needs to be done to help prepare current and future older adults to meet the costs of this care,” said Susan Peschin, CEO of the Alliance for Aging Research.

Top Healthiest States for Older People – AARP

 

 

Deer Fences Keep Bambi Out of Your Yard

houselogic.com

Size matters when selecting some deer fences to keep your plants safe from uninvited dinner guests and you and your family from deer disease. Deer are among the animal kingdom’s high-jumpers — leaping up to 8 feet into the air. So you’ll need tall fencing to keep them out.

Being in Colorado and as a Denver fence company, sometimes we see properties who are visited by critters such as deer. Are you in need of a fence that will help protect your yard and home from these guys? Read below for some advice on the subject.

Heavyweight, inexpensive deer netting protects flower and vegetable gardens from hungry deer—they won’t take the risky leap. And if they bump into the netting, they’ll run away scared. Wrap 8-ft. high polyethylene netting around support posts, poles, and even trees to fence deer out. To tend your garden, lift up the netting and walk under it, or unwrap a corner and reposition it when you leave.

Electric deer fences will protect the same square footage for $500 to $600. The most effective electric fences use a double-fence approach. The outside fence consists of a single wire, 18 inches above the ground. Three-feet inside is a second fence with two strands of wire, 10 inches and 24 inches above ground. The fences’ depth (deer are not long-jumpers) and its 4,000-plus volts deter the pests. A single shock, which feels like a static charge, won’t harm deer, pets, or kids. Powering the fence with a charger hooked up to the house current will cost less than $1 a year. When the growing season is over, dismantle and stow the fence: It should last for 10 seasons.

Deer Fence | Deer Net | What Is A Deer Fence? | HouseLogic

 

A Creative Texas Home with Soft Textures and Vintage Charm

This house is magical. The owner did a great job of combining modern elements with vintage ones – creating a personal charm that unique to her space.

You don’t need to go antiquing to get the same feel for your home. Colorado Casual is your Denver shop with many unique and charming sofas and chairs. Come in today and discover how you can your own cozy home.

http://www.designsponge.com/2017/05/a-creative-texas-home-with-soft-textures-and-vintage-charm.htmlA Creative Texas Home with Soft Textures and Vintage Charm – Design*Sponge Most of us probably have a dream house — the one you stroll past on your neighborhood walks and think “If only I could live there.” For Katie King, this house stood just one street over from where she lived in Denton, TX. When the house came up for sale six years ago, Katie and her husband James, a computer engineer, weren’t in the market to move, but decided to take a tour anyway. For Katie, something about that house had always felt like home. “A few days after we looked at it, some friends came over for dinner and we told them about going to see it and my friend said, ‘Wait, your dream house?!’… that did it for James, hearing someone else refer to it as my dream house,” Katie recalls. Soon after, the couple decided to make the move.

Moving into their new home involved renovating and a lot of hard work. Katie and James wanted to highlight the original details of their 1930s home, and this meant ripping up carpets, painting, staining and tearing down plaster ceilings to expose original shiplap, a hidden gem in many old Texas homes. One of the biggest endeavors was exposing the original wood floors that were covered with up to four layers of linoleum!

Bringing out the old charm of their two-floor, three-bedroom house has allowed Katie and James to create a home that feels warm and relaxing for them and their children, Felicity and Ames. The goal has always been for their home to foster beauty and creativity and to feel like a haven from the outside world. Katie, who is currently working with a friend to start a business doing home styling, design and staging, inherited her love for interiors from her own mother. “My childhood home was comfortable, beautiful, and in my memory even magical. She taught me to see beauty in everyday life. That is a lesson I want to pass on,” Katie shares.

In the front living room, antiques have been updated with soft cushions and colorful patterns. “I love to mix earthy, global textures and colors with more feminine pieces,” Katie shares. Many pieces have moved with Katie from home to home, like the green sofa that used to belong to her friend’s grandmother. The walls have recently been painted in Wild Aster by Benjamin Moore, a faint, icy pink. Read more at designsponge.com

 

Vance Brand tells tales of space exploration at museum

You never know where a passion for flight will take you. For this Coloradan, it led to multiple space flights and a very long, distinguished career.

We love stories like Vince Brand’s and as a Denver flight school, we especially enjoy watching the careers of the numerous pilots we’ve trained and the various people who cross our paths. Continue living your dreams and sharing your stories.

http://www.timescall.com/news/ci_30979618/vance-brand-tells-tales-space-exploration-at-museumVance Brand tells tales of space exploration at museum – Longmont Times-Call The first hint of looming cosmic journeys and eventual space exploration came to Vance Brand when he was a lifeguard and gatekeeper at the Boulder Reservoir.

In the late 1950s, the prospect of humans sending a functioning satellite into space was the stuff of science fiction and fantasy for Brand, who’d grown up in the largely rural, farm-based community of Longmont. Less than 20 years later, however, in 1975, the Longmont High School graduate would journey into space as a command module pilot on the Apollo-Soyuz Test Project mission. That would be the first of four space flights for Brand, who logged nearly 45 hours in spacecraft over the course of his impressive career.

For Brand, the adventures that included journeys to the cosmos had simple roots. During his early days as a Marine Corps recruit in North Carolina, he couldn’t stop himself from gazing at the jets that took off every morning. The roar of the engines and the sight of the crafts in flight proved irresistible to Brand, who quickly saw flight as a professional and personal goal.

“It was an emotional decision,” Brand said. “I thought that was about the coolest thing I’d ever seen, seeing the jets take off at Cherry Point. I immediately applied for naval flight training program.” Read more at timescall.com