Shopping online? 10 tips to avoid ID theft this holiday season

The holidays are approaching and it's time to start shopping for those special gifts. Last year, consumers spent a holiday-season record $32.6 billion online, according to comScore. Unfortunately, with so much personal financial information out there, instances of identity theft are on the rise. According to the Federal Trade Commission, as many as 9 million people have their identities stolen each year.



While some victims of identity theft resolve their problems quickly, others spend thousands of dollars and months repairing the damage done to their credit. Some identity theft victims may even lose out on job opportunities or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.



"Anyone who shops online is vulnerable to having their identity compromised," says Jamie Haenggi, chief marketing and customer experience officer at Protection 1, the nation's second-largest security company. The company recently partnered with LifeLock to include identity theft protection in its offerings. "The proper precautions, combined with identity theft protection, are the strongest safeguards to protecting your credit and preventing the financial hardships that can be caused when an identity is stolen."



Haenggi offers the following tips to better protect your identity when shopping online this holiday season:



1. Shop trusted names

Stick with sites like Amazon.com, Target.com or other familiar retailers. Beware of misspellings or domain names using ".net" instead of ".com" as that is one of the most common ways scammers trick consumers.



2. Look for the lock

A secure website starts with "https://" instead of "http://." Secure sites will also have a small lock icon in the lower-right corner of the screen. Never give anyone your credit card through email. PayPal, however, is still a good, safe way to make a payment.



3. Don't share too much

No store needs your social security number or your birthday. In the hands of the wrong person, combined with your credit card number, serious damage can be done. Always give up the least amount of personal information possible.



4. Check billing statements

Check statements for credit and debit cards, and monitor checking accounts regularly. If you see any charges you don't recognize, address the matter immediately. Don't pay credit card bills until you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems. After that, you might be liable for the charges.



5. Use stronger passwords

With so many online accounts - banking, credit cards, email - it's common practice to recycle simple passwords that can be easily recalled. Use uncrackable passwords, especially when banking and shopping. Your password is weak if:

* It uses numbers or letters in the order they appear on the keyboard ("1234" or "qwerty")

* It's the name of your kids, pet, favorite team, or city of birth

* It's your birthday, anniversary, date of graduation, or car license plate number

* It's "letmein," or, especially, "password."



7. Think mobile

The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts. Buck this trend and download store-specific apps like those for Amazon.com and make your purchase without going to their website.



8. Stay at home

Do all online shopping at home so you know you're using a trusted, secure network.



9. Enroll in an identity theft protection service

Having a service provider you trust is important. Advanced technology and helpful customer service are "musts" for identifying and remedying any fraud issues. Protection 1 is now offering identity theft protection in every new HomeCore Solution home security package at www.Protection1.com.



10. Use insurance

Just in case you do become the victim of identity theft, having insurance is vital to help recoup any lost money. Coverage typically costs from $20 to $100 a year as a rider to a basic homeowner's policy or as a stand-alone purchase.



Follow these simple tips, and you can help to ensure your family - and your property - remain safe year-round.



Courtesy of BPT

Shopping online? 10 tips to avoid ID theft this holiday season

The holidays are approaching and it's time to start shopping for those special gifts. Last year, consumers spent a holiday-season record $32.6 billion online, according to comScore. Unfortunately, with so much personal financial information out there, instances of identity theft are on the rise. According to the Federal Trade Commission, as many as 9 million people have their identities stolen each year.



While some victims of identity theft resolve their problems quickly, others spend thousands of dollars and months repairing the damage done to their credit. Some identity theft victims may even lose out on job opportunities or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.



"Anyone who shops online is vulnerable to having their identity compromised," says Jamie Haenggi, chief marketing and customer experience officer at Protection 1, the nation's second-largest security company. The company recently partnered with LifeLock to include identity theft protection in its offerings. "The proper precautions, combined with identity theft protection, are the strongest safeguards to protecting your credit and preventing the financial hardships that can be caused when an identity is stolen."



Haenggi offers the following tips to better protect your identity when shopping online this holiday season:



1. Shop trusted names

Stick with sites like Amazon.com, Target.com or other familiar retailers. Beware of misspellings or domain names using ".net" instead of ".com" as that is one of the most common ways scammers trick consumers.



2. Look for the lock

A secure website starts with "https://" instead of "http://." Secure sites will also have a small lock icon in the lower-right corner of the screen. Never give anyone your credit card through email. PayPal, however, is still a good, safe way to make a payment.



3. Don't share too much

No store needs your social security number or your birthday. In the hands of the wrong person, combined with your credit card number, serious damage can be done. Always give up the least amount of personal information possible.



4. Check billing statements

Check statements for credit and debit cards, and monitor checking accounts regularly. If you see any charges you don't recognize, address the matter immediately. Don't pay credit card bills until you know all your charges are accurate. You have 30 days to notify the bank or card issuer of problems. After that, you might be liable for the charges.



5. Use stronger passwords

With so many online accounts - banking, credit cards, email - it's common practice to recycle simple passwords that can be easily recalled. Use uncrackable passwords, especially when banking and shopping. Your password is weak if:

* It uses numbers or letters in the order they appear on the keyboard ("1234" or "qwerty")

* It's the name of your kids, pet, favorite team, or city of birth

* It's your birthday, anniversary, date of graduation, or car license plate number

* It's "letmein," or, especially, "password."



7. Think mobile

The National Retail Federation predicts that 25 percent of adults will do online browsing with their smartphones to find gifts. Buck this trend and download store-specific apps like those for Amazon.com and make your purchase without going to their website.



8. Stay at home

Do all online shopping at home so you know you're using a trusted, secure network.



9. Enroll in an identity theft protection service

Having a service provider you trust is important. Advanced technology and helpful customer service are "musts" for identifying and remedying any fraud issues. Protection 1 is now offering identity theft protection in every new HomeCore Solution home security package at www.Protection1.com.



10. Use insurance

Just in case you do become the victim of identity theft, having insurance is vital to help recoup any lost money. Coverage typically costs from $20 to $100 a year as a rider to a basic homeowner's policy or as a stand-alone purchase.



Follow these simple tips, and you can help to ensure your family - and your property - remain safe year-round.



Courtesy of BPT

Soundproofing floors the easy way

If you've ever had to listen to children, pets or household members making a lot of noise when all you wanted was peace and quiet, you already know the importance of soundproofing floors. If you have an older home, you probably deal with this regularly. In years past, people weren't as concerned with soundproofing as they are now. Lucky for today's homeowners, there are now many different options and methods for soundproofing floors.



Changing the Flooring Itself



It's no secret that carpet is much quieter than tile or hardwood. However, since hardwood floors are the most infamous floors for causing annoying echoes and heavy footsteps, here we'll focus on hardwood floors.



Installing a new hardwood floor is the best time to think about soundproofing floors. Ask your retailer or contractor about the sound ratings of different species of wood and different manufactured wood flooring materials. Soundproofing floors is much easier if you take it into consideration from the very beginning.



Blocking the Noise



Soundproofing floors is not a complicated idea. You just need something between the hard flooring and the rest of the house to absorb noise. There are many different options for materials to place between the floor and the sub-floor to accomplish this.



Cork is very good at absorbing noise, and it's being looked at with new interest lately as a more environmentally friendly form of soundproofing your office and home floors. You'll only need a very thin layer, since cork is a very dense substance. This thin layer will be laid first, and then you will install the sub-floor and finally the hardwood.



If you've ever been in a school, office building or hospital, you're already familiar with acoustic tiles. These panels were designed to dull echoes, and this is why they're popular in large, open spaces. However, they also make an excellent for soundproofing floors! Simply install them as you would cork, making allowances for the differences in thickness.



You may have noticed, in real life or on television, the odd-looking panels which line the walls of professional recording studios. Generally known as sound-deadening panels, these panels do just that...deaden almost all noise. For this reason, they are very adaptable for soundproof flooring. They are generally thicker then acoustic tiles, but if you plan accordingly, you can create an almost entirely soundproofed floor with minimal effort.



When New Floors Aren't an Option



If you rent and can't redo your floors, or if it's just not an option for you financially, there are still steps you can take for soundproofing your floors. If you value quiet over the look of hardwood, consider putting down carpet. Many families have a "no shoes" policy in their homes. Area rugs offer the same sound-deadening benefits of carpet with the added bonus of being moveable.



There are many different options for soundproofing floors, with something for every taste and budget. Do your research, and decide which options is right for you. Once the work is done, you'll get to enjoy a beautiful floor without the constant annoyance of excess noise.

Connect to color through your passions

(BPT) - Whether you love to sit on the beach or collect antiques, drawing from your personal passions can help you find the perfect colors to enhance your space.



"If a hobby or activity lifts your mood, surround yourself with things that remind you of it," says David Bromstad, HGTV star and celebrity designer. "I always look to a homeowner's passions when helping them decorate. And if you start with an established palette of coordinated colors, it's easy to follow your instincts."



Bromstad recommends the HGTV(R) HOME by Sherwin-Williams color collection, offering eight paint palettes that evoke many favorite pastimes, with colors that create room-to-room harmony throughout the home. He offers these tips for using color to express your passions.



Head-for-the-beach colors. If you are inspired by the sea and sand, use maritime blues and dune grass greens to create a fresh, breezy feeling that beckons barefoot comfort. Create an indoor seaside retreat using rattan furniture, Sea Salt (SW 6204) pale aqua walls and a table painted Rapture Blue (SW 6773), both from the Coastal Cool collection. Complete the look with accessories such as seashells and clear vases that evoke sea glass washed ashore.



Pick colors fresh from the garden. Let the colors of your favorite flowers, fruits and vegetables guide your color choices throughout the home. Evoke beautiful pink flower petals with Exuberant Pink (SW 6840) on a bathroom accent wall; paint a desk in a fresh, Frolic (SW 6703) green; or bring out citrus colors in the kitchen with orange Tango (SW 6649). Reference the Color Pizzazz collection for more bold inspiration.



Cook up some color excitement. Make your kitchen the ideal gathering place with deliciously warm and inviting colors. Spice it up with rich, saturated tones of Peppery (SW 6615) orange and Grandeur Plum (SW 6565), found in the Global Spice collection. For room-to-room harmony, use Garden Sage (SW 7736) or Edamame (SW 7729) in an adjoining dining room.



Design around your collectibles. If you are an antiques aficionado, choose colors that celebrate the retro hipness of repurposed objects. Use colors like Bold Brick (SW 6327), or Urbane Bronze from the Urban Organic collection, to add substance to kitchen cabinets. Give a mudroom an eclectic twist with Armagnac walls and a Parakeet (SW 6711) green bench.- -



For additional inspiration and information on HGTV HOME by Sherwin-Williams, visit sherwin-williams.com/hgtv.



Courtesy of BPT

Ease the stress of grocery shopping during the holidays

Hectic schedules often make meal-related decisions a chore. And planning for a bigger family meal over the holidays just adds to the stress. Affordable and simpler shopping routines could help you start savoring family meal time again.



Regardless of whether you're planning a holiday feast, a birthday celebration, or just day-to-day meals throughout the year, it's easier and more cost effective if you go into grocery shopping prepared.



Consider these tips from national grocery retailer Save-A-Lot before your next shopping trip:



Create a weekly meal planner

Many grocery shoppers make the mistake of only planning for a big special meal when they can cut time and cost by planning for several. Think about what you and your family members typically consume each day. If there is a particular food item or meal idea that your whole family enjoys, make sure to stock up when it is on sale. Ask each family member to pick a meal for dinner.



Decide ahead of time how your family might want to use leftover meat or veggies from the meal, and buy extra ingredients to create new meals. For example, be sure to stock up on bread, mayonnaise, mustard and lettuce in advance if you plan to cook a turkey or ham for a holiday meal or Sunday dinner.



Keep track of ingredients to replenish

You've got everything laid out to make chocolate chip cookies, but you forgot to buy the baking soda - nothing is more frustrating than having to make a return trip to a store.



Keep track of ingredients you frequently use in your cooking. Then, as soon as you use up an item, immediately add it to your ongoing grocery list. By the end of the week, not only will your shopping list be complete, but also you won't be stuck in the store trying to remember what is or is not in your cupboard. You also won't be tempted to buy something you don't need.



When cooking, be sure to use measuring utensils so you don't use more ingredients than necessary - which can be costly to your family's waistline and budget.



Visit grocery store websites for tools and deals

Grocery retailers frequently offer tips and tools for meal planning, as well as exclusive online bargains. Check to see if your store is offering discounts in exchange for signing up for their shopping clubs year round. For example, Save-A-Lot offers a $5 coupon for signing up for its Smart Shopper Club.



Take advantage of store brands

Many grocery stores offer their own exclusive brands of foods and everyday items, and frequently these items are of equivalent quality as more expensive national brand names. By using store brands, you can save a little money on your grocery bill and splurge on something special, such as a celebratory dessert. Store brands are great for helping to keep your weekly grocery costs down.



Simplify shopping trip

A popular strategy for many shoppers is to shop at several retailers throughout the week for bargains. While this approach may add up to a couple of cents saved on a receipt, it is quickly gobbled up in fuel costs as well as time. Instead, save both time and money by limiting shopping trips to one day a week or add a stop to the grocery store on the commute to or from work.



With these few simple tips, you'll not only save money at the grocery store, but you'll have more time to enjoy cooking and celebrating with those you love.



Courtesy of BPT

Tips for making moving day easier

(BPT) - Planning out a big move across town requires a bit of organization. Enlisting the help of friends and family, packing all of the belongings carefully into containers and once moved, finding homes for everything - the to-do list can go on and on.



Using your truck will make the move much easier, as you shuttle belongings - both large and small - from your old home into your new abode. Be sure your truck is equipped to handle the big move by scheduling a tune-up the week before and checking that all accessories like elastic cords are handy for use. Also consider purchasing a truck bed cover to help make your move easier by securing and protecting your belongings while they are in transit to your new home. Made of heavy-duty, double coated vinyl, the ACCESS truck bed cover installs quickly and easily with a clamp-on installation and is designed specifically to fit your truck.



Put the following tips to good use in organizing your move, and be sure to reward your helpers for all the hard work they do when the day is done with a fun dinner out or a gift certificate for a favorite store.



* Secure parking - If your new home is on a busy city street or part of a large condominium complex, you will want to reserve parking for your truck ahead of time. Contact the association or the city and register for a parking permit to block off space in front of your new home for your moving day.



* Divide and conquer - Give your helpers tasks they can do unassisted. Have one helper monitor the loading of your truck with boxes, making sure each is marked with its correlating final room destination. Another helper can be based at the new home, making certain all belongings end up in the proper rooms. If you have additional help, assign them the tasks of unpacking boxes - like kitchen dishes. Put sticky notes on the cupboards where you want dishes to be located to make this task easier. Having your helpers assigned to specific jobs allows you to handle any last-minute packing, or other jobs only you can handle.



* Keep your belongings secure en route - Whether you're stopping overnight and leaving your truck parked in a hotel lot, or pausing for gas, leaving items open to view in the bed is an invitation for theft. A locking truck cover, like the ACCESS truck bed cover, allows you to shield the bed contents from the elements and the eyes of thieves.



* Provide nourishment - Keep plenty of food and water available at both homes to provide fuel and nourishment for all workers. Also encourage short breaks to help keep energy levels going strong throughout the entire day.



* Encourage communications - Provide your helpers with cellphone numbers or two-way radios for a quick way to communicate during the day. Keeping communications open allows for a quicker moving process, and also helps to prevent any confusion on where belongings will go once they arrive at the new house.



* Keep children and pets occupied - Having pets or small children around can distract your helpers, and potentially make it dangerous for everyone involved in the moving process. Consider hiring a babysitter or pet-sitter for the day, or ask a family member to watch over them during the moving process in lieu of helping you out with the move.



Most importantly, keep calm during the chaos of moving day. Your calm demeanor will influence your helpers to stay relaxed, which encourages everyone to move more efficiently and safely. And just know, at the end of the day, while you may still have belongings in boxes, you're in your new home and ready for future adventures to begin.



Courtesy of BPT

Tenant screening: Check those tenants out!

The usual landlord/tenant relationship goes something like this. The tenant rents an apartment, pays the rent, the landlord maintains the property and all is well. The times that the landlord/tenant relationship goes sour can often be traced back to the tenant screening process.



Bad tenants usually do not just develop overnight, they have been bad tenants for a while and they leave a trail. Your job as a landlord is to sniff out this trail before you allow them in your property. You can save yourself many headaches by rigorously screening your prospective tenants. In fact, I might even go so far as to say that tenant screening is the key component to being a successful landlord.



Bad tenants may present themselves very well. They may dress and speak well. They will say all the right things. They may even have cash in hand and be ready to move in. When someone is holding $500 in front of you to move in, it can be very tempting. Do not do it! Screen them! Screen everyone thoroughly. Check every reference and verify everything on their application. Oh, you don't use a written application?!? Well there is your first problem.



Here are some tips when screening tenant applications:



Pull credit and criminal history on everyone. This is your first line of defense against the bad tenant. Compare the data in the reports you receive with what is stated on your application. Does it match? If it does not, dig deeper. Why is the info different? If we discover lies, that is immediate cause for disapproval.



Verify their work history. Do not do this by calling the number they have listed on the application if you can help it. A friend may be waiting for your call on the other end. Instead, call the main office and get transferred into the department where the person says they work. In this way you can avoid the "friend" set up.



The current landlord may want them out and will therefore lie to you. It is best to talk with the previous landlord or to get an accurate view.



People forge documents. It has happened to us. Do not believe the paycheck stubs, letterhead, whatever. Verify everything with the issuer.



The old adage is true; do not judge a book by its cover. We had a well dressed, well spoken man fill out and application, say all the right things and pay the application fee in cash. He must have assumed we would pocket the fee and not check. He had never paid a bill in his life. Even the phone company was after him! There are professional scammers out there, be vigilant. It would have taken us at least 4 months to get him out. I know that time frame could be a year or more in some parts of the country.



Ask their place of employment if there are any planned layoffs. We had a tenant get laid off the day he was approved to move in.



Most people are good, tell the truth and try to do the right thing. Your job is to weed out the bad ones by finding the lies. And they will lie to cover up their past, and get into your property. Evictions are neither fun nor cheap. So save yourself some hassle, set up a rigorous tenant screening process. Also, be sure to treat every applicant in the same manner by using the exact same screening process. Don't set yourself up for a discrimination lawsuit because you treated one perspective tenant differently.



Author: Kevin Perk



Kevin's Website: http://www.smarterlandlording.com

Cost-control tips for bridesmaids-to-be

Standing up for your friend as her maid of honor or bridesmaid is a special experience you'll both remember all your lives. Yet your happiness for your friend, and your joy at participating in her wedding, can be tempered by concerns about the costs associated with being a member of the wedding party.



Just like the bride and groom, attendants often need to use credit to fund their wedding experience, including the cost of a dress, gift for the happy couple, the bachelorette party and perhaps traveling to the wedding location. Still, if you rely too much on credit, you could end up with debt - which is a lot worse than a dress you'll never wear again.

Careful planning and an honest discussion with the bride and groom about cost control can help ensure no one overspends on the big day.

Before you agree:

The first question you should ask yourself is: "Can I afford to be in this wedding?"

If the person asking for your participation is your best friend in the world, and saying "no" will harm your relationship, you'll have to find a way to fund your bridesmaid duties without breaking the bank. But if the invitation comes from a friend you're not particularly close to, it may be appropriate to decline, especially if the associated costs will be a financial hardship.

When the answer has to be "yes," your next move should be to assess your finances. How much cash can you reasonably set aside between now and the time the bills start to arrive? How much of your participation will need to be funded through credit?

If you know credit will be a big part of your wedding party budget, monitoring your credit for a few months may help you manage your finances. Membership in a product like CreditReport.com offers members valuable tools to help them monitor their credit for a monthly fee.

When it's time to say "yes":

Once you have an idea of how you can budget, it's time to have a candid discussion with the bride and groom. Let them know what you're comfortable with, and what will be beyond your budget. Determine what their expectations are for the costs you'll bear, and what they'll pay for.

If you find that your financial abilities and their expectations are too far apart, give them the opportunity to reconsider their invitation for you to be in the wedding.

Ironing out money matters at the beginning of the wedding planning process will help ensure you don't have to distract the bride and groom with the discussion as their big day approaches - and their stress levels go up.

When you're committed:

Once you've said yes and agreed on expenses, it's time to put your plan into action. Begin setting aside money right away, even if the wedding is a year away. The longer you have to save cash, the less you'll need to rely on credit as the wedding approaches.

Look for ways that you can cut expenses without impacting the wedding itself. For example, if the bridesmaid's dress must come from a pricey boutique, perhaps you can find matching shoes for less at a different retail store. If you'll be traveling to the wedding in another state - or even another country - shop for the best airline deal, and explore the possibility of using reward miles or hotel points to help defray your travel costs.

Compromise with the bride: If she agrees to let you wear your favorite little black dress, rather than drop a few hundred on something new that you'll never wear again, make it up to her by helping out in some other way. Perhaps you're a skilled crafter who can make one-of-a-kind favors for the reception. Maybe your graphic design skills could help her save money on custom-designed invitations. Or perhaps you can use your flower-arranging skills to help her save money on centerpieces, boutonnieres and bouquets.

With some advanced planning and loving honesty, you can help ensure your friend's big day is as perfect as possible-and that the only thing you're left with afterward are happy memories.

Courtesy of BPT

Cost-control tips for bridesmaids-to-be

Standing up for your friend as her maid of honor or bridesmaid is a special experience you'll both remember all your lives. Yet your happiness for your friend, and your joy at participating in her wedding, can be tempered by concerns about the costs associated with being a member of the wedding party.



Just like the bride and groom, attendants often need to use credit to fund their wedding experience, including the cost of a dress, gift for the happy couple, the bachelorette party and perhaps traveling to the wedding location. Still, if you rely too much on credit, you could end up with debt - which is a lot worse than a dress you'll never wear again.

Careful planning and an honest discussion with the bride and groom about cost control can help ensure no one overspends on the big day.

Before you agree:

The first question you should ask yourself is: "Can I afford to be in this wedding?"

If the person asking for your participation is your best friend in the world, and saying "no" will harm your relationship, you'll have to find a way to fund your bridesmaid duties without breaking the bank. But if the invitation comes from a friend you're not particularly close to, it may be appropriate to decline, especially if the associated costs will be a financial hardship.

When the answer has to be "yes," your next move should be to assess your finances. How much cash can you reasonably set aside between now and the time the bills start to arrive? How much of your participation will need to be funded through credit?

If you know credit will be a big part of your wedding party budget, monitoring your credit for a few months may help you manage your finances. Membership in a product like CreditReport.com offers members valuable tools to help them monitor their credit for a monthly fee.

When it's time to say "yes":

Once you have an idea of how you can budget, it's time to have a candid discussion with the bride and groom. Let them know what you're comfortable with, and what will be beyond your budget. Determine what their expectations are for the costs you'll bear, and what they'll pay for.

If you find that your financial abilities and their expectations are too far apart, give them the opportunity to reconsider their invitation for you to be in the wedding.

Ironing out money matters at the beginning of the wedding planning process will help ensure you don't have to distract the bride and groom with the discussion as their big day approaches - and their stress levels go up.

When you're committed:

Once you've said yes and agreed on expenses, it's time to put your plan into action. Begin setting aside money right away, even if the wedding is a year away. The longer you have to save cash, the less you'll need to rely on credit as the wedding approaches.

Look for ways that you can cut expenses without impacting the wedding itself. For example, if the bridesmaid's dress must come from a pricey boutique, perhaps you can find matching shoes for less at a different retail store. If you'll be traveling to the wedding in another state - or even another country - shop for the best airline deal, and explore the possibility of using reward miles or hotel points to help defray your travel costs.

Compromise with the bride: If she agrees to let you wear your favorite little black dress, rather than drop a few hundred on something new that you'll never wear again, make it up to her by helping out in some other way. Perhaps you're a skilled crafter who can make one-of-a-kind favors for the reception. Maybe your graphic design skills could help her save money on custom-designed invitations. Or perhaps you can use your flower-arranging skills to help her save money on centerpieces, boutonnieres and bouquets.

With some advanced planning and loving honesty, you can help ensure your friend's big day is as perfect as possible-and that the only thing you're left with afterward are happy memories.

Courtesy of BPT

Eight easy ways to organize - and maximize - a small bath

(BPT) - The bath serves a variety of uses, from a functional room to a serene sanctuary, a storage facility to a salon. And, whether you enjoy it yourself or share with the family, every bathroom is in need of one major thing - organization. To help keep your bath feeling more serene and less insane, follow these eight ideas to help improve your organization, maximize space and even add a bit of style.



1.Supersize your shower. You don't need to remodel - or even use a tool - to increase the size of your shower space. Simply swap your straight shower rod with a curved version. Moen offers a variety of curved shower rod options, including a new Tension Curved Shower Rod that adds up to 5 1/2 inches of elbow room without using any elbow grease for installation. The no-tool, no-drill feature makes it ideal for showers featuring ceramic tile. For more space and functionality, Moen's Double Curved Shower Rod adds up to 7 inches of elbow room, with two rods to hang multiple shower curtains or towels.



2.Take back the tub. From shampoo and shower gel, duckies and boats, the bathtub often needs to store a variety of items. While shower caddies or shelves are great solutions, you can also make your own. Reuse your straight shower rod - but install it across the back wall of the tub. Next, use shower rod hooks to hang a variety of plastic baskets, creating instant storage for each member of the family.



3. Maximize with dual-function. Dual-function products are perfect for smaller baths, since they offer added benefits without taking up more space. Update your current toilet paper holder, towel bars and in-shower shelves with newer versions that integrate grab bars. Moen offers stylish grab bars that feature paper holders, towel bars and two shelf designs - all in a variety of finishes to help you update these bathroom basics while adding storage, safety and style.



4. Clean closets. If you have a closet in your bathroom, fully utilize its storage potential. Use labeled - and preferably see-through - bins on the floor and for higher-up shelves to keep smaller items neat, organized and easily accessible. Designate the middle shelves for frequently used linens. Finally, the inside of the closet door can be a potential location for added storage space. Hang a shoe rack and you'll instantly have a dozen pouches to hold smaller items.



5. Hidden helpers. While space underneath the vanity offers room for storage, this area is a glutton for disorganization. Remove everything and toss any items you don't need. Next, use baskets or bins to create places for everything. Don't forget that the back of the doors can also be added locations to install hooks or shelves



6. Shelves for storage. Don't limit the vertical surfaces of your bathroom for mirrors and decor (especially if you don't have a closet) - try installing wall shelves. Choose from a variety of options - from smaller, decorative shelves that can hold perfume and toiletries - to larger hotel shelves that provide the perfect storage location for towels.-



7. Get hooked. It's one of the major pet peeves in the bathroom: towels and clothes on the floor. Solve this problem by installing robe hooks. They are inexpensive, easy to install and come in a variety of styles and finishes to match your bathroom. If you share your bath with children, be sure to install a few lower on the wall, within reach of little hands.



8. Hotel inspiration. The next time you're staying in a hotel, take note of the amenities offered - and incorporate them into your bathroom for added functionality and organization. Did you love using the wall-mounted, magnifying mirror? Enjoy the convenience of storing the hair dryer on the wall? These same bath accessories are available for your home - so install and enjoy.



With a few simple projects, your bathroom can achieve maximum organization, use of space and style. For more information on Moen bathroom accessories, visit www.moen.com.



Courtesy of BPT

Innovative solutions for your home

Technologies that improve and protect your home become more advanced each year. If you have some problem areas that could benefit from the latest unique home solutions, here are some tips:



Deck kits enhance outdoor spaces

With the emergence of new deck materials such as solid PVC, homeowners no longer have to waste excessive time or money on deck maintenance. The vast array of rich colors and surface textures, along with stain and scratch resistant materials have made these items a smart choice over wood. Now, there are kits that accessorize these deck options.



If you've ever made a mad dash to retrieve cushions or other items when it rains, then in-deck storage may be in order, according to Mike Gori, deck expert for AZEK Building Products, maker of AZEK Deck. This clever idea provides 17.5 cubic feet of safe, dry storage space that uses the area below the deck. "You don't have to sacrifice living space or ruin your view with unsightly plastic tubs," says Gori. The storage unit's lid sits flush with the deck surface and holds up to 500 pounds. "There are also kits for building benches with planter boxes and custom gates," he says. "It's never been easier to accessorize a new or existing deck."



The caulk cure for energy costs

One of your home's biggest money drains can be energy waste - whether it's warm or cool air leaking out or outside temperatures sneaking in. That is where a bead of quality caulk can be the best bang for your buck. One caulk problem happens when homeowners paint caulk too early, which can cause cracks to form, letting in air and moisture.



"What we came up with is an advanced sealant called ColorCure that actually tells you when the caulk can be painted - it turns from pink to white," says Jason Ringling, director of marketing at Red Devil, Inc. "If you test caulk by touching the wet bead, the finish is ruined." Another good practice is to use new caulk and sealant products that are better for the environment as well as high performance. "It's not only environmentally friendly, but solvent-free and low VOC - and with no plasticizers it won't leach or pick up dirt which is perfect for painted finishes," Ringling says.



Have a great room outdoors

Shade pergolas can provide the convenience of a great room in the great outdoors for entertaining al fresco. With dignified beauty, pergolas have many style options that create a picture-perfect gathering spot near the garden or pool.



"These versatile, stylish outdoor rooms provide semi-privacy and are ideal for entertaining or relaxing with your family," says Sue Donahue, marketing manager for Walpole Woodworkers a leader in premium outdoor structures.



Another advantage to today's pergola designs is the addition of protective fabric canopies that let the party go on, rain or shine. "Canopies, either operated manually or by remote control, keep furniture and outdoor decor protected at the first sign of inclement weather," she says.



Pergola styles include arched or classic straight tops, and columns are typically square, tapered, or round. A lattice screen can add more privacy and bring color to the area, with climbing plant and vines. Donahue says to look for pergolas in wood or the new wood-alternative solid PVC materials that are low maintenance and long-lasting.



Prepare for wet weather extremes

Extreme weather events can happen in a flash. Even if you're not in an official flood zone, inches of rainfall in a matter of minutes, hurricanes and other freakish weather events can cause flooding. The experts at WAYNE Water Systems advise consumers to look for durable, reliable, worry-free water handling pumps.



"It only takes one water event to cause tens of thousands of dollars in damage, so prevention is the key, starting with a quality sump pump," says vice president of sales Charles Murphy. "Additional layers of protection include battery back-up pumps in case of power outages and water-sensing alarms for early notification.



As homeowner Bill Bellaver of Troy, Mich. reports, his sump pump protected his home for 33 years before taking its last gasp. His friends and neighbors were not so lucky. "Our WAYNE pump has worked well without any issues, while friends with lower quality or no pumps have suffered damage or loss of valuables," he says.



Homeowners can make smarter choices with today's new home solutions. It's a way to reduce hassles, save money and add convenience to their current lifestyle.



Courtesy of BPT

5 perfect presents make gift-giving easy

The holidays are a special time of year to show the important people in our lives how much we appreciate them - and that means gift-giving. If picking out holiday gifts is painless for you, you're one of the lucky ones. More often than not, people have a tough time finding the perfect present for friends and family, particularly if you have someone on your list who already seems to have everything. So, if you're stumped as to what to get that impossible-to-buy-for person, consider these five gift ideas that are sure to brighten anyone's holiday:



1. Gift your services



Rather than giving a tangible item, give your services; it's the perfectly practical gift for the person on your list who may be short on space, lacking financial resources or would just appreciate a little extra help. Love kids? Offer free child care so the recipient can enjoy an evening out on the town without worrying about the little ones. Have a knack for cooking? Gift a weeknight meal that you deliver to the recipient's doorstep. Known for your organization? Offer your skills to help the recipient organize a closet, office or other cluttered space.



2. Make a miracle happen



Positively impacting others by giving a charitable gift in the recipient's name embraces the true meaning of the season. The new Give Miracles Holiday Catalog from national nonprofit Children's Miracle Network Hospitals features in-demand pediatric items and services that local children's hospitals need anything from comforting teddy bears ($30) to a case of extra-small preemie diapers smaller than the palm of your hand ($170)! For high-impact gifts like a physical therapy toy kit ($375) or a pediatric wheelchair ($970), funds can be collectively raised by numerous gift-givers. This option is ideal for extended families looking to do something more meaningful than the typical gift exchange.



And to make that 'do-good' feeling for the recipient last long after the holidays are over, Give Miracles donors receive ongoing communication from Children's Miracle Network Hospitals throughout the year about how their gift is making an impact at their local hospital. Browse the gift catalog at www.GiveMiracles.org.



3. Purchase a membership to a monthly club



Rather than wasting money on a new gadget that will quickly be forgotten, give a gift that benefits the recipient all year long. Monthly clubs provide fun deliveries to a loved one's address, an ongoing reminder of your generosity. Monthly gift clubs are available for just about anything, from wine and beer, to jams and cheese, to bacon and fruit.



4. Give a gift that grows



Potted plants are a fantastic gift idea because they represent how your love continues to grow for that special someone. Plus, plants are a wonderful addition to interior decor and help clean the air. With so many houseplants readily available, you're sure to find the perfect one for the person who has everything. Does he gravitate toward decor with vivid color? Choose a flowering plant that provides delightful blooms. Does she love Asian culture? How about gifting a bonsai tree or a bamboo plant?



5. Provide an experience



Often, it's not what's in the box, it's the memory that stays with so many people after the holidays have passed. That's why giving a special experience can make a truly meaningful gift. Think about what really interests the recipient or an activity they've had on their bucket list. Perhaps it's a hot air balloon ride or a white water rafting daytrip. If the person really loves to shop, hire a personal shopper for the day and let them see what it's like to live like a star. If the recipient loves gourmet food, purchase a spot in a class taught by your town's hottest chef.



Any one of these ideas is sure to show that hard-to-shop-for person on your list that you've put some real thought into their gift. And ultimately, isn't it the thought that counts?



Courtesy of BPT

5 perfect presents make gift-giving easy

The holidays are a special time of year to show the important people in our lives how much we appreciate them - and that means gift-giving. If picking out holiday gifts is painless for you, you're one of the lucky ones. More often than not, people have a tough time finding the perfect present for friends and family, particularly if you have someone on your list who already seems to have everything. So, if you're stumped as to what to get that impossible-to-buy-for person, consider these five gift ideas that are sure to brighten anyone's holiday:



1. Gift your services



Rather than giving a tangible item, give your services; it's the perfectly practical gift for the person on your list who may be short on space, lacking financial resources or would just appreciate a little extra help. Love kids? Offer free child care so the recipient can enjoy an evening out on the town without worrying about the little ones. Have a knack for cooking? Gift a weeknight meal that you deliver to the recipient's doorstep. Known for your organization? Offer your skills to help the recipient organize a closet, office or other cluttered space.



2. Make a miracle happen



Positively impacting others by giving a charitable gift in the recipient's name embraces the true meaning of the season. The new Give Miracles Holiday Catalog from national nonprofit Children's Miracle Network Hospitals features in-demand pediatric items and services that local children's hospitals need anything from comforting teddy bears ($30) to a case of extra-small preemie diapers smaller than the palm of your hand ($170)! For high-impact gifts like a physical therapy toy kit ($375) or a pediatric wheelchair ($970), funds can be collectively raised by numerous gift-givers. This option is ideal for extended families looking to do something more meaningful than the typical gift exchange.



And to make that 'do-good' feeling for the recipient last long after the holidays are over, Give Miracles donors receive ongoing communication from Children's Miracle Network Hospitals throughout the year about how their gift is making an impact at their local hospital. Browse the gift catalog at www.GiveMiracles.org.



3. Purchase a membership to a monthly club



Rather than wasting money on a new gadget that will quickly be forgotten, give a gift that benefits the recipient all year long. Monthly clubs provide fun deliveries to a loved one's address, an ongoing reminder of your generosity. Monthly gift clubs are available for just about anything, from wine and beer, to jams and cheese, to bacon and fruit.



4. Give a gift that grows



Potted plants are a fantastic gift idea because they represent how your love continues to grow for that special someone. Plus, plants are a wonderful addition to interior decor and help clean the air. With so many houseplants readily available, you're sure to find the perfect one for the person who has everything. Does he gravitate toward decor with vivid color? Choose a flowering plant that provides delightful blooms. Does she love Asian culture? How about gifting a bonsai tree or a bamboo plant?



5. Provide an experience



Often, it's not what's in the box, it's the memory that stays with so many people after the holidays have passed. That's why giving a special experience can make a truly meaningful gift. Think about what really interests the recipient or an activity they've had on their bucket list. Perhaps it's a hot air balloon ride or a white water rafting daytrip. If the person really loves to shop, hire a personal shopper for the day and let them see what it's like to live like a star. If the recipient loves gourmet food, purchase a spot in a class taught by your town's hottest chef.



Any one of these ideas is sure to show that hard-to-shop-for person on your list that you've put some real thought into their gift. And ultimately, isn't it the thought that counts?



Courtesy of BPT

Common outdoor lighting mistakes and their solutions

Upgrading your home's exterior lighting is a surefire way to increase your home's curb appeal and resell value. And a well-lit front lawn can also deter would-be burglars. Most of the outdoor lighting of one's home adds a welcoming touch for family and guests. Here you can learn about outdoor lighting trends, common lighting problems and their solutions, and things to consider when selecting outdoor lighting fixtures.



First and foremost, it's important to give a considerable amount of thought to the placement of your outdoor lights. Just as you would not place several lighting fixtures like table lamps or wall sconces in a single area of your living room, you don't want to place exterior fixtures too close together either. This is a common problem when integrating pathlights into your outdoor lighting solution. Too many pathlights, too close together can make your walkway look more like the runway at an airport. Instead of placing the lights directly opposite one another on either end, try a staggered approach. The light will flow less harshly.



Another common mistake in selecting outdoor lights is in finding the proper lighting direction, or limiting "light pollution". Outdoor lights should not obstruct one's vision or interfere with one being able to see the entire landscape of a yard or area clearly. On a similar note, the lights should not shine directly into the road or a neighboring yard either. To avoid such issues, look for spotlights with glare guards.



Just as it would be boring to find the same exact lamp in every room of one's home, it's boring to see the same outdoor lighting fixture repeated throughout the yard. It can make the home appear institutional as opposed to personal. Use a wide variety of fixtures to light your yard; it will enhance the character and charm of your home.



Be sure to balance your home's exterior lighting. Another common mistake in outdoor lighting placement, is to inadvertently divide the yard by placing too many lights in one area and too little in another. You want to evenly distribute light throughout the canvas of your home. You don't want your yard looking like a parking lot.



Finally, like most things in home décor, less is more. Outdoor lighting should call attention to the beautiful and unique features of your home. It should not be intrusive. Proper outdoor lighting calls attention to various parts of your home's exterior, not the entire surface area. Over illumination is never attractive indoor or outdoor.



by: Melinda Cayetano

http://www.articlecity.com/articles/home_improvement/article_7064.shtml

Crown molding - Adding a touch of glamor to your home decor

Crown molding is a great way to beautify an ordinary looking home into one that exudes class and style. Crown moldings are typically decorative strips made up of wood, plastic, or fiberboard. These are introduced to any room décor in an effort to camouflage the existing flaws and ugly blotches on the walls or ceilings. The crown molding is therefore similar to a wall decoration which adds a touch of elegance to a room, making it appear more grand and unique.



Crown molding ideas can be retraced to the Roman and Grecian culture where it became vastly popular. Wooden crown molding gained popularity later when craftsmen mastered the art of cutting, sanding, and carving wooden blocks to create masterpieces. Crown molding is affordable and can be implemented in almost any type of room. You can buy the raw materials yourself and get it made professionally by customizing it. What materials you choose for crown molding will largely determine how durable and beautiful it is going to be. Superior quality materials for home furnishing are likely to be far more expensive but are less likely to be damaged.



Home furnishing experts choose crown molding these days because it helps heighten a property's real estate standing. When a property appears visually stunning, chances are buyers will be willing to pay more for it. Simply demolishing walls to give your rooms a spacious look is not enough; instead, this is more expensive and impractical. An easier and economical alternative is using decorative columns and ceiling medallions for your home décor. These home décor ideas are easy to implement and will not cost you dearly.



Buying crown molding online can give you many advantages. This is because you can purchase your decorative columns or door casings or ceiling medallions directly from the maker without having to handle the wholesalers and retailers. They offer you the luxury of customizing your home furnishing ideas and guarantee you good quality materials. Unlike furniture, such decorative columns or ceiling medallions will not occupy unnecessary space, nor will they clutter the room. Besides, they are fire-resistant and help keep away harmful UV rays. Crown molding can be easily maintained and these products seldom rot. Installing them is never a problem and most of the products can be set up by following simple instructions, except ceiling medallions where professional assistance is recommended.



Crown molding can come in various designs like the traditionally classic designs which help add elegance and class to your home décor. Crown molding in the kitchen is similar to ceiling and wall decorations, but the installation process is different. Although challenging, using crown molding is a sure way of giving your rooms that much-needed makeover. It helps give every room a distinct flavor, an aesthetic appeal, a unique personality, and a sophisticated touch.



When choosing the crown molding for your rooms, make sure to choose the right molding depending on the room dimensions and ceiling height. Select the materials that are sturdy, dependable, and weather-proof. The world of home furnishing has undergone a revolutionary change with the advent of crown molding.



by: Walter Mitchell

http://www.articlecity.com/articles/home_improvement/article_7226.shtml

​Nutritional tips for packing brain-boosting school lunches

(BPT) - Parents know kids can't concentrate when they're hungry. But did you know that what children eat - especially in school lunches - can also affect their ability to focus, learn and behave well in the classroom? Packing your children's school lunches is a great way to manage their nutritional intake and help feed their ability to learn.



It will take some creativity, however, to ensure you pack lunches that not only meet a child's nutritional needs, but also his or her taste preferences. Keep these tips in mind as you're packing your child's nutritious lunches this school year:



* Brain-building foods: Research supports the ability of certain foods to enhance cognitive function. Foods like fish and nuts, which contain brain-building omega-3 fatty acids, can support focus. So tuna fish salad not only supplies protein, but is also brain food. Not every child is a fan of fish, so look for other kid-friendly options like a handful of nuts. From pistachios and almonds to walnuts and peanuts, a serving of nuts not only contains healthful fats, but also a healthy dose of fiber and vitamin E.



* Fill-them-up foods: "Empty calories" are empty for several reasons, including how quickly they can leave children feeling hungry again after they've dined on nutritionally poor calories. Foods that are high in protein and fiber, such as a sandwich of deli meats on whole grain bread, can help kids feel full longer and provide them with nutrient-rich calories.



* Liquid power: Sugary sodas are notorious sources of empty calories. One can of regular soda, sweetened with sugar or high-fructose corn syrup, packs about 150 calories, adding up to the equivalent of 10 teaspoons of table sugar, according to the Harvard School of Public Health. Consider packing lunches with more nutritionally valuable beverages like skim milk or water. Skim milk is low in calories and contains calcium and potassium. Water, of course, contains no calories at all and is the best source of hydration.



* The choice is yours: Making sure kids get the nutrition they need while providing the great taste they love can be a challenge. A classic sandwich can achieve both if you choose ingredients wisely. Hormel(R) Natural Choice(R) pre-packaged deli meats provide kids with familiar favorites, such as Honey Deli Ham, Oven Roasted Deli Turkey, Roast Beef and Rotisserie Style Chicken Breast, that are 100 percent natural and free of preservatives and additives. Low in fat and free of trans fats, Hormel Natural Choice meats have no MSG, gluten or artificial ingredients. When paired with other nutritious options like whole grain breads, and a side of fresh fruit with non-fat yogurt as a dip, a sandwich of Hormel Natural Choice deli meats can be the foundation of a nutritious lunch. You'll be amazed how simple making a better choice can be.



* Kid-friendly presentation: How you present lunch can encourage kids to eat it. When it comes to packed lunches, a great presentation could be as simple as having one or two favorite lunchboxes on hand and allowing your child to choose which one he would like to carry today. Or, it could be as inspired as creatively arranging a sandwich and sliced veggies to mimic a smiling face when he opens his lunchbox at school. Remember, kids love color, so providing a colorful mix of foods can be very appealing to them. It also gives you the opportunity to incorporate the concept of a rainbow of nutrition, and the value of eating foods from all colors in the spectrum.



With the right recipe of creativity, fun and nutritious foods, parents can be confident they're packing school lunches that will keep kids full and happy throughout the school year.



Courtesy of BPT

​Nutritional tips for packing brain-boosting school lunches

(BPT) - Parents know kids can't concentrate when they're hungry. But did you know that what children eat - especially in school lunches - can also affect their ability to focus, learn and behave well in the classroom? Packing your children's school lunches is a great way to manage their nutritional intake and help feed their ability to learn.



It will take some creativity, however, to ensure you pack lunches that not only meet a child's nutritional needs, but also his or her taste preferences. Keep these tips in mind as you're packing your child's nutritious lunches this school year:



* Brain-building foods: Research supports the ability of certain foods to enhance cognitive function. Foods like fish and nuts, which contain brain-building omega-3 fatty acids, can support focus. So tuna fish salad not only supplies protein, but is also brain food. Not every child is a fan of fish, so look for other kid-friendly options like a handful of nuts. From pistachios and almonds to walnuts and peanuts, a serving of nuts not only contains healthful fats, but also a healthy dose of fiber and vitamin E.



* Fill-them-up foods: "Empty calories" are empty for several reasons, including how quickly they can leave children feeling hungry again after they've dined on nutritionally poor calories. Foods that are high in protein and fiber, such as a sandwich of deli meats on whole grain bread, can help kids feel full longer and provide them with nutrient-rich calories.



* Liquid power: Sugary sodas are notorious sources of empty calories. One can of regular soda, sweetened with sugar or high-fructose corn syrup, packs about 150 calories, adding up to the equivalent of 10 teaspoons of table sugar, according to the Harvard School of Public Health. Consider packing lunches with more nutritionally valuable beverages like skim milk or water. Skim milk is low in calories and contains calcium and potassium. Water, of course, contains no calories at all and is the best source of hydration.



* The choice is yours: Making sure kids get the nutrition they need while providing the great taste they love can be a challenge. A classic sandwich can achieve both if you choose ingredients wisely. Hormel(R) Natural Choice(R) pre-packaged deli meats provide kids with familiar favorites, such as Honey Deli Ham, Oven Roasted Deli Turkey, Roast Beef and Rotisserie Style Chicken Breast, that are 100 percent natural and free of preservatives and additives. Low in fat and free of trans fats, Hormel Natural Choice meats have no MSG, gluten or artificial ingredients. When paired with other nutritious options like whole grain breads, and a side of fresh fruit with non-fat yogurt as a dip, a sandwich of Hormel Natural Choice deli meats can be the foundation of a nutritious lunch. You'll be amazed how simple making a better choice can be.



* Kid-friendly presentation: How you present lunch can encourage kids to eat it. When it comes to packed lunches, a great presentation could be as simple as having one or two favorite lunchboxes on hand and allowing your child to choose which one he would like to carry today. Or, it could be as inspired as creatively arranging a sandwich and sliced veggies to mimic a smiling face when he opens his lunchbox at school. Remember, kids love color, so providing a colorful mix of foods can be very appealing to them. It also gives you the opportunity to incorporate the concept of a rainbow of nutrition, and the value of eating foods from all colors in the spectrum.



With the right recipe of creativity, fun and nutritious foods, parents can be confident they're packing school lunches that will keep kids full and happy throughout the school year.



Courtesy of BPT

Five things before purchasing a house

One of the main purchases you are going to make is buying a house. You have to think through all of your options before making the decision. Here are some of the things you need to know before you buy a house:



1) It is essential that you have good credit. You will most likely obtain a loan to buy a house. Thus, you should ensure that your credit is good for a smooth sailing application. It would be better to check your credit history frequently for your own security as well.



2) Prepare for long-term debts. Keep in mind that it will take years before you will be able to pay for the house completely. Ensure that you will be able to manage payment for the mortgage. Having a financial cushion is significant. Since the debt is long-term, anything can occur.



3) Most loans need a document from the appraiser so it is better to get their opinion when you see a potential house. The appraisers are experts in giving values to properties depending on the location, structure, features, and added extras to the house. This will stop any sales representative from over pricing the house.



4) It is very attractive to buy a beautiful house at a very cheap price. Before you decide on purchasing the beautiful house, ensure that it has a safe environment. Take note that one of the factors that make a house costly is good location. If you think that the price is much cheaper than it looks, the locations may not be that attractive. Ask the appraiser why the value is low. It could be that the neighborhood is not safe. These factors are very important in your decision-making.



5) Make sure that the house you choose suits your lifestyle. No matter how beautiful the house is, if it does not coincide with your behavior, you will not be comfortable in it. When you choose a house, make sure that it makes you feel at ease.



Your financial state is most important when planning to a buy a house. This makes it essential to monitor your credit on a regular basis. Finally, you have to learn as much as you can about the home before purchasing it.



by: Sheldon Kalnitsky



http://www.articlecity.com/articles/home_improvement/article_3792.shtml

Fall lawn tips that keep your yard looking great year-round

(BPT) - Falling temperatures and shorter days don't mean you can retire from lawn care for the year. In fact, the fall season is a critical time to nourish lawns and care for plants so they can survive winter and emerge even more vibrant when next spring arrives.



Before you store your lawn and garden supplies, consider these fall lawn tips that keep your yard looking great year-round:



Fertilize



Your lawn may not look like it's doing much above ground during cool months, but below ground root systems continue to grow. That's why most lawn care professionals recommend fertilizing once or twice in the fall - grass will store and use the extra boost of nutrients throughout winter. Fertilizers high in nitrogen are ideal for fall feedings.



Sweep



Leaves and other foliage left on the ground can rot and deprive grass and other plants of moisture and sunlight. If you dread raking, a blower/vac is the ideal tool. Go eco-friendly with a rechargeable battery-powered option from Greenworks. With no cords and an easy push start, the innovative 40V Brushless Blower/ Vacuum blows up to 185 mph, plus it can vacuum four bags of leaves on a single charge.



Water



Watering during fall is important to foster root growth and give plants a healthy drink before winter arrives. If you're not experiencing at least 1 inch of rainfall a week, supplement with a sprinkler. Continue the same eco-friendly watering strategies you used throughout summer, such as watering in the mornings to reduce evaporation.



Seed



Have a few sparse areas in your yard? Fall is a great season for grass seed to germinate due to the cool, moist weather. Plus, because most seasonal birds have left, the seed is less vulnerable to being eaten. Over-seeding now not only fills in open areas, but it increases grass density to help prevent weeds next year. Loosen and prepare the soil, choose a high quality grass seed and water the area plenty so seeds reach maturity before winter.



Trim



Fall is a good time to trim trees and shrubbery before the harsh weather of winter hits. Save money with the DIY approach. Don't be intimidated by chainsaws - because the easy-to-use GreenWorks 40V Brushless Chain Saw uses a rechargeable battery, there's no gas or oil to mix. No gas means no excessive heat or vibration - the saw runs up to 65 percent cooler and vibrates up to 70 percent less than comparable gas saws. In addition, the innovative brushless motor provides this saw with enough power to cut a cord of wood on a single battery charge.



Aerate



Aerating your lawn in the fall helps to open compacted soil and break down thatch that built up over the summer. The small soil plugs removed by the aerator loosen the ground so oxygen and water can better reach the grass roots. Aerators are available for rent at most rental stores and the job can typically be done in a few hours, depending on yard size.



Mow



As the weather cools, grass slowly goes dormant. Before winter hits, continue to mow as needed. When your lawn seems to have almost completely slowed its growth rate, mow one final time for the year, but set your mower at a higher height. This helps keep grass healthy until warm weather returns. Recommended mower heights for a final mow are 2 to 2.5 inches.



Rather than retreating from the crisp fall air, use the time to enjoy the beauty of Mother Nature while helping keep your yard looking its best. A few simple steps now will help your lawn look great today and into next year.





Courtesy of BPT

Top technical accessories for your car

Whether it's traveling during the holidays or commuting to and from work, Americans spend a lot of time in their vehicles - almost 540 hours a year according to a Roland Berger study. With so much time spent behind the wheel, it's worth it to invest in the top gadgets to make your ride safer and more comfortable.



These accessories provide you with some of the latest safety features and allow you to bring all the comforts of home along with you on your ride.



Safety first:



Back-up cameras are a simple installation that can save lives. About 34 percent of all non-traffic car fatalities for children under five are caused by back-overs, according to KidsandCars.org. PEAK Automotive Back-Up Camera Systems allow you to place the viewer on your windshield or install it into your rear-view mirror. Then install the water-resistant camera to the rear license plate of your car, truck, RV or camper so you can see what is behind your vehicle as you back up.



Convenient help:



A dead battery at any time of the year can be a real downer, especially if you are unable to find a person willing to give you a jump start. PEAK Jump-Starters allow you to restart car batteries without the need of another car. This rechargeable and portable system features a low charge alert that sounds when the battery life is getting low. Just plug the system into the wall or your car's cigarette lighter outlet to recharge. Keep it in your car so it's always available in time of emergency.



A handy charging station:



Cellphones, tablets, video games and even laptop computers are all portable and popular accessories for passengers when traveling, but all require charging stations. And everyone knows that road trips with dead video game or e-reader batteries are not fun. The PEAK 150 Watt Cup Inverter is perfect for recharging electronics in the car. It fits into the cup holder, so you won't have bulky items in the front of the car, and two AC outlets and one USB plug-in are available for charging multiple electronics at once.



Wi-Fi on the road:



Once you have the mobile charger, put your electronics to use with a Mobile Internet Router. Passengers can surf the Internet, check emails and play on-line games with a simple plug-in. The coverage area is wide enough to supply a connection to the entire family.



Tailgating supplies:



If you're driving over to the stadium for a picnic before the game, or are in the middle of the mountains and ready for a bite to eat while admiring the scenery, chilling drinks or warming up meals at the drop of a dime is a real benefit. The PEAK 12 volt Can Cooler/Warmer is just the gadget to help you enjoy your tailgating party with minimal fuss. It cools soda cans and sandwiches, or heats up leftovers like soup and chili, and plugs directly into the car's cigarette lighter socket for your meal on-the-go.



These and other products can be found nationwide at retailers such as AutoZone, Advance Auto Parts, Pep Boys, and O'Reilly Auto Parts. A lot of time is spent on the road, and these accessories can make your trip safer and more comfortable. Visit PeakAuto.com for more information on the products you need to power your life.



Courtesy of BPT

Top technical accessories for your car

Whether it's traveling during the holidays or commuting to and from work, Americans spend a lot of time in their vehicles - almost 540 hours a year according to a Roland Berger study. With so much time spent behind the wheel, it's worth it to invest in the top gadgets to make your ride safer and more comfortable.



These accessories provide you with some of the latest safety features and allow you to bring all the comforts of home along with you on your ride.



Safety first:



Back-up cameras are a simple installation that can save lives. About 34 percent of all non-traffic car fatalities for children under five are caused by back-overs, according to KidsandCars.org. PEAK Automotive Back-Up Camera Systems allow you to place the viewer on your windshield or install it into your rear-view mirror. Then install the water-resistant camera to the rear license plate of your car, truck, RV or camper so you can see what is behind your vehicle as you back up.



Convenient help:



A dead battery at any time of the year can be a real downer, especially if you are unable to find a person willing to give you a jump start. PEAK Jump-Starters allow you to restart car batteries without the need of another car. This rechargeable and portable system features a low charge alert that sounds when the battery life is getting low. Just plug the system into the wall or your car's cigarette lighter outlet to recharge. Keep it in your car so it's always available in time of emergency.



A handy charging station:



Cellphones, tablets, video games and even laptop computers are all portable and popular accessories for passengers when traveling, but all require charging stations. And everyone knows that road trips with dead video game or e-reader batteries are not fun. The PEAK 150 Watt Cup Inverter is perfect for recharging electronics in the car. It fits into the cup holder, so you won't have bulky items in the front of the car, and two AC outlets and one USB plug-in are available for charging multiple electronics at once.



Wi-Fi on the road:



Once you have the mobile charger, put your electronics to use with a Mobile Internet Router. Passengers can surf the Internet, check emails and play on-line games with a simple plug-in. The coverage area is wide enough to supply a connection to the entire family.



Tailgating supplies:



If you're driving over to the stadium for a picnic before the game, or are in the middle of the mountains and ready for a bite to eat while admiring the scenery, chilling drinks or warming up meals at the drop of a dime is a real benefit. The PEAK 12 volt Can Cooler/Warmer is just the gadget to help you enjoy your tailgating party with minimal fuss. It cools soda cans and sandwiches, or heats up leftovers like soup and chili, and plugs directly into the car's cigarette lighter socket for your meal on-the-go.



These and other products can be found nationwide at retailers such as AutoZone, Advance Auto Parts, Pep Boys, and O'Reilly Auto Parts. A lot of time is spent on the road, and these accessories can make your trip safer and more comfortable. Visit PeakAuto.com for more information on the products you need to power your life.



Courtesy of BPT

Strategies for managing and reducing debt

(BPT) - Are you feeling overwhelmed by your monthly bills? Do you only pay the minimum on your credit cards each month, or use several credit cards to spread out your debt? These are all warning signs that your habits may be keeping you from reaching your financial goals. The good news is, you can take steps to manage your debt and gradually reduce it over time.



Before you take any action, however, you need to know exactly where you stand financially. Look over all your outstanding debt - credit cards, car payments, mortgage or rent, student loans - to help you determine where you are and which obligations have priority. These tips from Wells Fargo can help you responsibly manage your debt and strengthen your credit situation.



* Organizing debt: Not all types of debt affect your finances equally. Collect recent statements from all your creditors. Write down the creditor, amount owed, monthly payment and interest rate on your account. Knowing which debts have the highest minimum monthly payments and interest rates will help you determine which debt is costing you the most.



* Prioritizing payments: -Examine where you can cut back on expenses, and put that money toward your debts. Try paying off your debts with the highest interest rates as quickly as you can, while continuing to pay at least the minimum due on all of your other debts each month. Once you've paid off the credit card with the highest interest rate, put that money toward the next highest.



* Calling creditors: If you can't make a payment or need to make a partial payment, talk to your creditors about setting up a payment plan you can afford. You may be surprised - many creditors will be willing to work with you to find a solution.



* Refinancing your mortgage: If interest rates have dropped since you took out your mortgage loan, consider refinancing to lower your monthly payments. If refinancing isn't an option, consider other options to repay your loan more quickly. For example, sending additional principal payments with your regular payments decreases the loan balance and reduces the overall interest owed.



* Seeing a credit counselor: These professionals will need to see all your financial material so that they can help you explore your options and make a plan to get you out of debt. To find a reputable credit counselor, visit the website for the nonprofit National Foundation for Credit Counseling, www.nfcc.org.



* Consolidating your debt: You might want to consider combining all of your debts into a single loan. This allows you to pay off your debt with one monthly payment, which could be lower than all of your previous monthly payments combined. It will also make it easier to keep track of your debt. Keep in mind that a debt consolidation loan simply transfers the debt to a new lender - you'll still have debt. Additionally, if your consolidation loan has a longer repayment period, it could increase the total amount you repay. You can pay the loan off faster, of course, by making more than a minimum payment each month.-



There is hope if you are in debt. Creating a manageable plan to chart a path out of debt can give you confidence in knowing that you are in control of your finances and improving your credit health. For more information, visit the Wells Fargo Smarter Credit Center, www.WellsFargo.com/smarter_credit.





Courtesy of BPT

Tips and tricks for a bigger-looking bath

Do you wish you had a bigger bathroom? If so, you're not alone.



In fact, in a recent survey conducted by Moen, almost half the respondents wished they could make their bathroom larger. But, a complete bathroom overhaul isn't in the cards for most homeowners. And when your bath is too small, it can quickly go from being a retreat from the outside world to a stress-inducing, cluttered place.



Whether you're hoping to update the guest bath or the master suite, you can create a larger-looking bath without actually expanding your space. With a thorough cleaning and some space-expanding illusions, you'll be relaxed and rejuvenated in your new bigger bath in no time.



Blend in, but make a statement



Using an intense color palette is not always the best technique when it comes to a tiny bathroom. Bold, dark colors can weigh a room down, making it look even smaller. Instead, use pale and cool colors, like soft whites, pastels and neutral tones to add size and depth. Continue the color scheme to the woodwork, trim, vanity and door to create a disappearing look that will lengthen the walls. By eliminating the hard edges created by drastic changes in color, your eye will flow smoothly across the room.



It's important to look at the small details, like faucets and accessories, to create a statement. Choosing a sophisticated design, such as the Moen Weymouth faucet in Chrome, LifeShine Brushed Nickel, Oil Rubbed Bronze or the new LifeShine Polished Nickel finish, can provide a beautiful focal point in your bath. Available in single-handle, widespread and wall-mount styles, faucets in the Weymouth collection feature traditional detailing, like porcelain inlays and a generously sized spout. The unique collection additionally offers matching faucets for the shower or tub, and a complete selection of accessories to provide the perfect eye-catching detail.



Take a look in the mirror



A mirror in the bathroom can do more than just show your reflection - it can stretch the space by reproducing it. Additionally, mirrors reflect both natural and artificial light, making a smaller room look bigger and brighter by bouncing illumination throughout.



Don't think that mirrors need to only be above the sink. A great trick for improving your room's reflective qualities is to hang a large, horizontal mirror along the longest wall of the bath. However, if a large mirror is out of your budget, or not practical for your space, the same effect can be created by grouping an arrangement of smaller mirrors. Unique mirrors can often be found at flea markets in different shapes and sizes. Simply paint each frame in complementary colors and group them along the longest wall. This allows for the room to stretch, while also providing a design element that's uniquely yours.



Another easy, dramatic way to use mirrors is to turn the fronts of vanity cabinets into your canvas. Use glue to attach large, square mirrors, or tiny mirror tiles - either square or round - to the outside of cabinets and drawers. For a never-ending room, position two mirrors on opposite walls to create the perfect illusion. Whatever technique you choose, mirrors are great decor pieces that won't muddle a small bath.



Say no to big and bulky



Traditional, large vanities with cabinet drawers can make an already petite-looking bath appear even smaller. In order to avoid this common misstep, there are two paths to follow: either install a vanity with open storage areas; or try suspending shelving for a contemporary feel. This will create a more spacious look - without losing precious storage - by giving the shelving a light and airy appearance. Open shelving is perfect for towels and linens, plus items like tissues and cotton balls, which can be stored in decorative jars or containers. Avoid a cluttered look by placing large wicker baskets on the bottom shelf of the vanity for large everyday items, such as brushes, toiletries and makeup.



You can create a beautiful bath - regardless of the square footage - that will become a place of relaxation and worthy of attention. Use these tips to turn a compressed and uncomfortable space to one that feels spacious and soothing - without a major remodel. For more information about Moen products, visit www.moen.com.



Courtesy of BPT

Protect your deck this winter

As the leaves start to change color, you may find yourself reminiscing about the hours of enjoyment spent outside on your deck. While warm weather gatherings and summer barbecues are a favorite pastime of the season, the combination of foot traffic, food spills and weather can take its toll on any deck.



Before the chill in the air turns into harsh winter weather, clean and protect your deck to prepare it for the long winter months ahead.



"Smart homeowners recognize that seasonal changes can wreak havoc on decks unless properly maintained," says Fiona Seal, Rust-Oleum Wood Care brand manager. "But with a few simple steps, you can winterize your deck so it survives the onslaught of ice, snow, sleet and moisture that can cause damage during the months ahead."



Here are a few deck survival tips that can keep your deck looking beautiful longer.



* Clean thoroughly: Ground-in dirt and barbecue stains can ruin your deck's appearance and ultimately cause degrading of the wood. Exposure to sun can cause wood to gray and weather and exposure to moisture can create the perfect conditions for the growth of mold, mildew, moss and algae. So it's important to clean your deck thoroughly to remove the remnants of summer and get it ready for winter.



Use a bleach-free cleaner specifically formulated for wood to restore your deck to its natural beauty without the bleaching or yellowing that chlorine bleach can cause. Cleaners like JOMAX Deck Wash loosen and lift dirt, and remove gray weathered wood and stains from mold and mildew to prepare the deck for a new protective coating. And the convenient hose mount applicators make these cleaners easy to use. Just attach to an ordinary garden hose and spray. It's that simple.



If your stained or painted deck has seen better days, consider stripping any faded or deteriorating finish prior to applying a water repellent sealer or stain.



* Apply a protective finish: After cleaning, it's important to apply a water repellent finish to protect your deck against the damaging effects of winter. Moisture such as ice, snow, sleet and rain can penetrate the surface if not protected, which can cause splitting, cracking and warping. Fortunately, there's a wide variety of premium exterior wood finishes that offer protection against the elements, while giving you the opportunity to achieve any look you desire.



For example, if you're looking for a clear water repellent to protect against water damage without changing the color of the wood, choose a product like Rust-Oleum Premium Water Sealer. It will protect your deck against the elements for three years.



Or for maximum protection against water absorption and maximum durability, choose a product like Rust-Oleum Premium Deck and Fence Stain. It's available in both solid and semi-transparent formulas in 22 different colors so you can choose any look you desire. What's more, it's backed by a 10-Year Satisfaction Guarantee so it will keep your deck protected and looking beautiful for years.



Rust-Oleum Premium Deck and Fence Stain also features breakthrough Cool Touch technology, which reflects solar rays to keep surfaces cooler to the touch. It's the perfect preparation for next season's warm summer weather.



For product information or more helpful wood care tips, visit www.rustoleum.com.



Courtesy of BPT