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Patios Cork

CC How to avoid foreclosure

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793

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Foreclosure. It’s a word that’s sending shivers of fear down the back for many a household in the current financial crisis.
If you see you maybe heading for trouble, you can take steps NOW to prevent foreclosure on your home.


financial crisis, foreclosure,debt

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If you see you maybe heading for trouble, you can take steps NOW to prevent foreclosure on your home.
As with anything of this magnitude, you need to act quickly. Don’t wait until it’s too late to turn things around.
You may be facing:
. oThe loss of a job
. oCuts in hours or overtime pay
. oRetirement
. oIllness, injury, or the death of a family member
. oDivorce or separation

If your family is facing any of these changes and cannot pay your bills, now is the time to look closely at what you owe and what you earn, eliminating unnecessary spending and reaching out for help if you still can’t meet your financial obligations. Taking action now can help you protect your family from the loss of your home.
On the next page are some steps you need to take now, to safeguard your home for the future, and put the threat of foreclosure behind you.
Remember. The time to act is now. The longer you wait, the deeper the problem becomes.
1. CONTACT YOUR MORTGAGE COMPANY NOW
Many people avoid calling their lenders when they have money troubles. Most of us are embarrassed to discuss our money problems with others or believe that if lenders know we are in trouble, they will rush to collection or foreclosure.
Lenders want to help borrowers keep their homes. Foreclosure is expensive for lenders, mortgage insurers and investors. HUD/FHA, as well as private mortgage insurance companies and investors like Freddie Mac and Fannie Mae, require lenders to work aggressively with borrowers who are facing money problems.
Lenders have workout options to help you keep your home. However, these options work best when your loan is only one or two payments behind. The farther behind you are on your payments, the fewer options are available.
Do not assume that your problems will quickly correct themselves. Don’t lose valuable time by being overly optimistic. Contact your mortgage lender to discuss your circumstances as soon as you realize that you are unable to make your payments. While there is no guarantee that any particular relief will be given, most lenders are willing to explore every possible option.
To help you, lenders typically need:
. o Your loan account number
. o A brief explanation of your circumstances
. o Recent income documents (such as Pay stubs; Benefit Statements from Social Security, Disability, Unemployment, Retirement, or Public Assistance. If you are Self-employed, have your tax returns or a Year-to-date Profit and Loss Statement available for reference)
. oList of household expenses

Expect to have more than one phone conversation with your lender. Typically, your lender will mail you a “loan workout” package. This package contains information, forms and instructions. If you want to be considered for assistance, you must complete the forms and return them to your lender quickly. The completed package will be reviewed before the lender talks about a solution with you.
CALL TODAY! The sooner you call; the sooner help is available.

2. DO NOT IGNORE MAIL FROM YOUR LENDER
If you do not contact your lender, your lender will try to contact you by mail and phone soon after you stop making payments. It is very important that you respond to the mail and the phone calls offering help. If your lender does not hear from you they will be required to start legal action leading to foreclosure. This will substantially increase the cost of bringing your loan current.

3. TALK TO A HOUSING COUNSELING AGENCY
If you don’t feel comfortable talking with your lender, you should immediately contact a HUD-approved housing counseling agency and arrange an appointment with a counselor. A counselor will help you assess your financial situation, determine what options are available to you, and help you negotiate with your lender. A counselor will be familiar with the various workout arrangements that lenders will consider and will know what course of action makes the most sense for you and your family, based on your circumstances. In addition, the counselor can call the lender with you or on your behalf to discuss a workout plan. By meeting with a counselor before your mortgage payments are too far behind, you can protect yourself from future credit problems.
A good counselor will help you establish a monthly budget plan to ensure that you can meet all of your monthly expenses, including your mortgage payment. Your personal financial plan will clearly show how much money you have available to make the mortgage payment. This analysis will help you and your lender determine whether a reduced or delayed payment schedule could help you. Also, a counselor will have information on services, resources, and programs available in your local area that may provide you with additional financial, legal, medical or other assistance that you may need.

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Patios Cork

CC How To Achieve a High Home Improvement Value

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529

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Estimating your home improvement value is simple enough, and rising that value is just as simple if you know what to do and how to go about it.


home improvement, redecorating, adding on, building, remodeling, house, property value

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People purchase houses for many different reasons. Some people buy houses to improve on the property, and get a good return on investment from it. Other people buy property to sell on. For whatever reason they buy a house or property, they would like to see their home improvement value.

Estimating your home improvement value is fairly easy. Raising that value is just as easy if you know what to do, and how to do it. The basic rule of thumb is that the more money you put into your house, the more you can expect to get out of it. It doesn’t matter how big the house is, where it is located, or what condition it is in, there are always ways to increase your home improvement value.

It doesn’t have to be grueling work to increase your home improvement value. All that is needed is a little bit of planning, time, and money. To figure out where your house can improve you can sit down with a pen and a piece of paper. On one side of the piece of paper you can write what your house has, and then on the other side you can write down what your house doesn’t have. For example, on the house has side of the paper, you can write: Two Bedrooms, One Bath, and Basement. You can fill in what your house doesn’t have, and what you would like your house to have in the house doesn’t have side. Realistically, you will not be able to complete all of the things on your list.

In today’s society people expect a certain level of living. Some people won’t even consider looking at a house if it didn’t meet their standards. Things you can add that will increase your home improvement value are things like en suite bathrooms and extra bathrooms, or half baths. Making an en suite bathroom can be as simple as adding a door between the bathroom and the room. Just adding a door can increase your property value by a lot.

Adding another bathroom can be just as easy, and you don’t have to take a mortgage to get it done. If you have a cupboard or pantry that is big enough to hold a toilet and sink, then you can continue from there. This is just another simple way to increase your property value.

Adding an extra bed room, or garage can also increase your home value unbelievably. But if this all seems a little out of price range, a new coat of paint, new flooring, or new cabinets can also increase your home improvement value. If you stick to white with your bathrooms and kitchen it will keep things feeling fresh and bigger. Also, white is a contemporary color and will appeal to most buyers.

If you remember the basic rule that investing a small amount into your home now could increase your home improvement value by a considerable amount in the future, you are sure to do just fine. Keep things contemporary and fresh. Remember your dream home and try to achieve it as much as you can, and watch your home improvement value climb!

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Patios Cork

CC How Sound Insulations Work

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542

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Sound insulations are insulating materials that work to reduce the noise that enters a room from outside the home or from other rooms. These materials can be installed during construction, or later as a home improvement project. Products that are blown, such as foams, are easier to install in existing homes.

You can repair insufficiently insulated areas yourself, or hire a professional to do the job for you. Installing most of these materials is a fairly easy DIY project f…


sound insulations, soundproofing, home improvement, soundproofing material, acoustical foam, floor i

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Sound insulations are insulating materials that work to reduce the noise that enters a room from outside the home or from other rooms. These materials can be installed during construction, or later as a home improvement project. Products that are blown, such as foams, are easier to install in existing homes.

You can repair insufficiently insulated areas yourself, or hire a professional to do the job for you. Installing most of these materials is a fairly easy DIY project for the skilled homeowner. Some home improvement stores offer weekend workshops to show you how.

How Sound Insulations Work

Sound is transmitted when vibrations move through the air, floors, ceilings and walls. The sound waves move from one room to the other, or from the outside of the home to inside. This includes traffic noise or the sound of noisy neighbors. Insulation is a good sound absorber and is effective at minimizing the noises entering a room.

Soundproofing consists of using a barrier of some sort to prevent sound from entering the space that has been sound proofed. There are two basic ways to achieve this reduction in sound: noise absorption and noise reduction.

Approaches to Sound Insulations

There are a few approaches to noise level reduction or noise absorption. A variety of materials can be used for either purpose. Noise reduction can be accomplished with the use of space between rooms. The more space, the more room for sound waves to dissipate. If you increase the distance between the source of the noise and the space, you will reduce the noise that enters the space.

The other method, noise absorption, is also referred to as dampening. With this method, the sound waves are converted to heat within the insulation. This increases energy efficiency, while reducing sound. It also suppresses the echoes and reverberation of sound waves.

Materials for Sound Insulations

Rock Wool Insulation is made of all natural materials, such as diabase or basalt. It is used for insulating the home and absorbing sound. There are other benefits to this type of insulation. It is fire resistant and helps control condensation. In addition, it is resistant to the growth of bacteria, mold and mildew.

Mineral Wool Insulation is available in either batts or loose fill. The material is stiff and brittle. Mineral wool is not only sound proof, but is fire resistant as well.

Fiberboard Insulation is installed under the drywall in your home. This material reduces sound waves through the walls and ceilings. It is effective for reducing outdoor noise from entering your room. This material is an excellent choice if you live in a city or for homes located on a busy street.

Acoustical Wall Coverings can be attached directly to the drywall. The best material to use in these wall coverings is polyester. This material is best at absorbing the sound waves that you are trying to eliminate.

Cork Squares look like floor tiles, but are made with cork board. The cork has a self sticking backing that is easy to apply to the wall surface. If you like the look of the cork, you can leave it this way. However, if you want it to match the decoration in your house, you can cover the cork with wallpaper.

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Patios Cork

CC How Soundproofing Material Works

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609

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Sound vibrations are transmitted through the air, causing problems with noise entering and exiting your home studio. Many materials used in home construction, such as wood and drywall, are conductors of sound. Blocking out these sound waves is the purpose of a soundproof room. This is usually done for a home music studio.

For the highest quality, most complete soundproofing, you should hire a professional. The cost of a professional can be prohibitive for many people. You …


home improvement, soundproofing material, acoustical foam, floor insulation, soundproofing,

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Sound vibrations are transmitted through the air, causing problems with noise entering and exiting your home studio. Many materials used in home construction, such as wood and drywall, are conductors of sound. Blocking out these sound waves is the purpose of a soundproof room. This is usually done for a home music studio.

For the highest quality, most complete soundproofing, you should hire a professional. The cost of a professional can be prohibitive for many people. You can construct a soundproof room in your home with a little knowledge and the right soundproofing material.

How Soundproofing Material Works

Soundproofing material works by interrupting sound vibrations. This isolation must be complete, or you are wasting your time. One hole in the material will ruin the effect. Sound waves can travel through the smallest hole or gap in the material.

Fiberglass is the material preferred by many professionals. Lead barriers are often used in professional studios. These need to be installed by someone knowledgeable in both the material and the principles of sound waves. This understanding makes the professional the best choice if you want the job done as thoroughly as possible.

Sound Absorbing Techniques

Sound absorbing and soundproofing materials work differently. Each product has different purposes and the two are not interchangeable.

Acoustical foam is sometimes used by professionals and often used by the do it yourself person. This is not used for soundproofing, but for absorbing the sounds within the studio. Not all foam is created equal and these materials are rated for fire safety. The ratings are listed as class A, B, or C. Fatal fires have resulted from use of inferior materials. The class A material is the most expensive, but is the most fireproof. Your safety is worth the additional expense. When using foam, make sure there is a clear path out of the room in the event of a fire. Fire resistant materials release toxic fumes in a fire, which will kill you faster than the flames.

The purpose of soundproofing material is to reduce the sound waves being transmitted into your studio from the outside. This is generally done through material in the walls, ceiling, floors and windows of the studio. Most materials are rated for the number of decibels the sound is reduced. For the materials to be effective, they must be installed correctly without holes or gaps.

Using and Installing Soundproofing Materials

A double wall is the ideal sound barrier that can be built by the do it yourself handyman. When building a second wall, it’s important to use floor insulation. This prevents the sound waves from being transmitted between the two walls via the flooring. Flooring carries acoustical energy and once the vibrations start, it can be nearly impossible to stop them. Thick carpeting is used because it absorbs these vibrations. There is no sound when walking on thick carpet.

To be effective, don’t just nail sheets of drywall to the existing wall surface. Sound will travel through the wall to the drywall. You need to create two completely independent wall sections. Make sure the studs aren’t directly across from each other. For best results, studs should be staggered across the length of the wall. A concrete surface at the bottom of the wall helps prevent sound from reaching the other wall and ultimately, your room.

The space in between is filled with sound proof material. Insulation can be used and is usually sprayed or blown into the area between the sections. You could also use foam insulating material or wool. Be sure to leave several inches of space between the two walls for absorbing the noise adequately.

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Patios Cork

CC How Pool Cleaning Robots Can Work You

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623

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It used to be that cleaning a swimming pool required manual labour, a brush on a long pole hooked up to your pool filtration system, and a lot of your valuable time in the heat. But thanks to technical innovation, robotics, and artificial intelligence there is now an easier way. Just drop a pool cleaner robot into your pool, push a button, walk away, and enjoy your free time.


Aquabot, Pool Cleaning Robots, Pool Cleaners

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It used to be that cleaning a swimming pool required manual labour, a brush on a long pole hooked up to your pool filtration system, and a lot of your valuable time in the heat. But thanks to technical innovation, robotics, and artificial intelligence there is now an easier way. Just drop a pool cleaner robot into your pool, push a button, walk away, and enjoy your free time.

Modern pool cleaning robots are ready to be used out of the box, just drop them into your pool, and push a button. They have internal pump and filtration systems, to avoid the hassle of hooking up long hoses to your pool filtration system. All they require is having their power cord plugged in, which floats to avoid tangling up your pool cleaner robot during its thorough cleaning of your pool.

These robots can clean more effectively then traditional filtration based cleaning systems, which is dependant on the type of Pool Filter you are using. Aquabot pool cleaners are capable of filtering debris down to 2 microns, which is even more efficient then Diatomaceous Earth pool filtering, the most efficiently swimming pool filtration systems available on the market.

Aquabots can also reduce your overall pool costs by reducing the amount of backwashing, or replacing of pool filter cartridges (depending on pool filtration type), as it uses a built in washable micro filtration bag to trap the debris taking the load off of your filter. By reducing the amount of backwashing your filtration system your pool will require less frequently pool top ups, and less chemicals that would have been lost during the backwash process. This will more then offset the average electrical operating cost of 5 to 10 cents per cleaning. It will even work out cheaper then hiring someone to clean your pool for you, over the course of a year.

While the Aquabot is busy cleaning a pool its powerful water pump creates water circulation during the vacuuming and filtration process. The water circulation will give you a more consistent heat distribution, as the cool water at the bottom of the pool is shot up towards the warmer surface water. This will do two things the first is to reduce the amount of water that evaporates from your pools surface, and secondly it will distribute your pool chemicals that can accumulate on the pool bottom, reducing your overall chemical costs.

Aquabot pool cleaners utilize microprocessor technology working in conjunction with a multitude of sensors to completely clean a pool. With smart obstacle detection Aquabots do not require time to learn your pool, or to have the user program the cleaner for an effective cleaning. Right from the first use it will clean your pool regardless of pool surface type, or the shape of your pool.

The in ground Aquabot pool cleaner models are able to climb up 90 degree walls, all the way up to the waterline for complete cleaning all the way around your pool. Aquabots powerful rear and front motor driven scrub brush assembly has the ability to loosen and remove both heavy dirt and fine particles from your pools floor, walls, waterline and most stairs. They are then vacuumed and trapped in its internal micro filtration bag.

The Aquabot product line up consists of around 20 products in three product categories, Residential Above Ground Pool Cleaners, Residential In Ground Pool Cleaners, and Commercial Pool Cleaners. Each of their products has differing specifications, and features so not every Aquabot cleaner is appropriate for every pool.

With all the benefits of a Pool Cleaning robot within a year of use depending on the frequency of pool use they can easily pay for themselves, they also provide a cheaper alternative then hiring someone to clean your pool.

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Patios Cork

CC How Ozone Air Purifiers Work

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613

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There is a debate raging about the safety of ozone air purifiers. Some love the fresh smell and swear by them. Others are voicing concerns about the ozone that is a by product of the air cleaning process. Ozone is a pollutant and at high levels can cause respiratory problems. This is particularly true for people living with a condition that causes decreased lung function.

How Ozone Air Purifiers Work

These purifiers work by giving the air a positive charge as it moves…


ozone air purifiers ,air cleaning, room, purifying, filtration,

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There is a debate raging about the safety of ozone air purifiers. Some love the fresh smell and swear by them. Others are voicing concerns about the ozone that is a by product of the air cleaning process. Ozone is a pollutant and at high levels can cause respiratory problems. This is particularly true for people living with a condition that causes decreased lung function.

How Ozone Air Purifiers Work

These purifiers work by giving the air a positive charge as it moves through the machine. This causes the particles in the air to become charged as well. The charged contaminants are handled in one of two ways. In some systems, the air simply moves through the machine and is charged. The particles then settle on your walls, furniture and carpeting. These need to be vacuumed or dusted away.

More common is a system that contains a collection grid to trap the contaminants in the air. The Ionic Breeze is probably the best known of these systems. You have probably seen this advertised on late night television. The particles attach to a collection grid. You remove the grid and wipe away the contaminants and then replace the grid in the machine. The grid is easy to clean with a damp rag. This eliminates the need for replacement filters, as with hepa air purifiers.

Safety Concerns with Ozone Air Purifiers

The controversy over the safety of ozone gained publicity a few years ago when Consumer Reports gave the Ionic Breeze a low rating due to the ozone released. The position of Consumer Reports was that the ozone released was unhealthy. Sharper Image disputed this claim and tried to sue Consumer Reports and the parent company, unsuccessfully.

The new Ionic Breeze has a feature called Ozone Guard that is intended to clean the ozone out of the air. While not all the ozone can be removed, the level in the room is lower than without the Ozone Guard feature. In spite of this change, Consumer Reports still gave the system low marks. According to their testing, the purifier scored just within the acceptable limit of ozone in the air.

Ozone is particularly bad for people with decreased lung function. This includes people with asthma or COPD. For these people, ozone can cause coughing and shortness of breath. Many find the symptoms of respiratory disease become worse when exposed to ozone in the air.

5 Ways to Improve Safety with Ozone Air Purifiers

o Operate the purifier on a lower setting to reduce the amount of ozone in your air. If odors are a problem, run the machine on the higher setting when you are not in the room and then turn it to the lower setting.

o Buy a machine made for the size of your room. Using a machine intended for larger areas in a small room can cause an unhealthy level of ozone in the room. Be sure your unit is appropriate for the size of your room.

o Make sure the room is well ventilated. The more air circulation, the less ozone will accumulate in the room. Keep the doors open to increase air flow.

o Home furnishings help absorb some of the ozone in your air. A sparsely furnished room will contain more ozone in the air than a room with upholstered furniture, curtains, rugs, pillows and other decoration.

o Run the appliance when you are not in the room. Turn it off and air out the room before entering. If you are having company, you can run the machine in the empty room and turn it off before your guests arrive. This will remove odors and leave the room smelling fresh.

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Patios Cork

CC How Old Should You Be Before You Buy A Loft Bed?

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464

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A monumental time in the life of any toddler is moving from the crib or child s bed to a real grown up bed. Consider choosing a loft bed for your growing youngster, especially if the room he or she occupies is small for much else than a bed or shared with a sibling. However, before you move your child to any bed other than a crib, ensure he or she is at least two years of age and no less than 35 inches tall. If your child is a late bloomer or showing no interest in moving u…


loft beds,bunk beds, beds

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A monumental time in the life of any toddler is moving from the crib or child s bed to a real grown up bed. Consider choosing a loft bed for your growing youngster, especially if the room he or she occupies is small for much else than a bed or shared with a sibling. However, before you move your child to any bed other than a crib, ensure he or she is at least two years of age and no less than 35 inches tall. If your child is a late bloomer or showing no interest in moving up to a larger bed, allow him or her a certain amount of leeway in regards to switching to a big boy or big girl bed.

Many parents choose to invest in a loft bed for their child because another child has arrived, is on the way, or currently occupies the house. A loft is a great way to give each child his or her space without having to sacrifice floor space for child s play. Also, a loft bed is a great way to entice your son or daughter to leave your bed in exchange for something a great deal cooler in their eyes.

One thing to keep in mind when choosing a loft bed for a young child is to avoid the ceiling scraping beds and instead choose lofts that are no taller than four feet. This is especially true if you are dealing with a youngster who may have a slight fear of heights, since everything is taller to a child. A four foot loft still allows a great amount of room underneath the bed and can be arranged to house a fantastic fort, tent, or enclosed space that is only for the child. Some children s furniture manufacturers are even including specialized loft beds into their furniture designs that are sure to tickle your child s imagination.

Another critical aspect to keep in mind is the safety of the loft. Ensure the guard rails are stable and properly placed on the bed. Furthermore, ensure both sides of the bed come equipped with guard rails. Quite often, children can become trapped or even fall out of the bed if two guard rails are not present on the bed. Also, check out the ladder to make sure your child will be safe while entering and exiting his or her bed. Furthermore, ensure the ladder is correctly installed on the bed to prevent any accidents or injuries due to improper equipment.

Once your child has made the move into a loft bed, make time to speak with your son or daughter regarding safety. Set rules for entering and exiting the bed and ensure your children will not play or roughhouse, which can call potentially cause injury.

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Patios Cork

CC How Much Do Hardwood Floors Cost?

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317

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Hardwood floors are sold everywhere, but little do we know that it takes a lot of effort and time to prepare each plank until it is fit for building use.


hardwood floor, hardwood floors

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Hardwood floors are sold everywhere, but little do we know that it takes a lot of effort and time to prepare each plank until it is fit for building use. Trees are an exhaustible resource. This means they are not simply manufactured out of factories and have to be grown for a considerable period before they can be used. Oak hardwood, for instance, can take as long as a hundred years to mature.

Is, therefore, because of this that hardwood is comparatively expensive. Standard hardwood floors cost around $4 per square foot and that’s still the unfinished version. Prefinished hardwood floors cost a little bit more, usually at around $5 per square foot.

When buying unfinished hardwood flooring, however, don’t think that you’re saving a huge deal. Unfinished hardwood still has to be finished and stained before it can truly serve its purpose, so it’s an extra expense.

If your budget is limited, then you should opt for prefinished boards, instead. They are less costly in the long run and more convenient to install. You will no longer have to worry about stains, polish and finishings once you have them in place.

If you’re looking to install flooring on an entire house or a very huge space, you can save on costs if you buy hardwood wholesale. Another way to reduce your expenditure is to purchase them on discount, which may through hardware store sales or through used wood showrooms. Of course, whenever you buy on discount, make sure that you check the entire woodwork for signs of wear and decay.

Overall, while buying and installing hardwood floors is expensive, the benefits definitely outweigh the costs. Hardwood can last generations so you’ll no longer have to worry about; just make sure it’s properly and regularly maintained and protected well. While concrete also has a similar life, or longer, nothing beats the natural feel that real hardwood affords your home.

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Patios Cork

CC How Long to Install a New Roof?

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507

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Having a new roof fitted will mean a fairly major upheaval in your life. It may be necessary for you to move out while it is being done so it is important to know exactly how long to install a new roof will take. Unfortunately, the answer isn t that straight forward.


How Long to Install a New Roof, new roof, roof

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The roof is by far one of the most important parts of your house when it comes to protecting the rest of the building and it s occupants from extreme weather conditions and many roofs are in a state of disrepair. Yet, despite this, they are left to worsen before people are willing to act and either pay for decent repairs or bite the bullet and have a new roof fitted. Paying for patched repairs or doing them yourself, when you don t really know what you are doing, may prove cheaper in the short term but it won t be long before you have to patch up the holes on a very regular basis. One of the most effective ways to lengthen the lifespan of any roof is with regular maintenance and checks conducted by a professional.

The life of your roof.

Knowing how long to install a new roof really is a question of knowing how well looked after your current roof is. Many new roofs come with a life of up to 20 years and some more durable and hard wearing roofs will have a life as long as 40 or 50 years but if you don t care for your roof and regularly have it checked and maintained you face a very real risk of substantially decreasing this lifespan. When you have a new roof fitted you should, as far as possible, pay as much as you can afford to ensure that you get as long a life as possible with your new roof.

Taking the plunge.

Having a new roof fitted will mean a fairly major upheaval in your life. It may be necessary for you to move out while it is being done so it is important to know exactly how long to install a new roof will take. Unfortunately, the answer isn t that straight forward. Everything depends on the size of the roof, the shape of the roof and exactly what you are having fitted. Applying a single layer of shingles on an existing roof is unlikely to take longer than a few days but having your existing roof completely removed and an entirely new one built can take a number of weeks. To get an accurate idea you should get a quote from a professional roofing contractor and ensure that this information will be included. Do be aware that things can go wrong and even when there is nothing wrong with the roof a sudden change in the weather can set the construction of your new roof back dramatically.

Start as you mean to go on.

Once you have your new roof fitted you shouldn t just assume that because it comes with a ten-year warranty you won t need to do anything about maintenance for the first ten years. You should, wherever possible, have an annual check up just to make sure that everything is ok because if a small problem is found it can be fixed before the small problem grows into a much larger and more costly problem.

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Patios Cork

CC How Floor Plans Can Save You Money

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485

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In almost every major real estate market in the country, prices for new homes have increased by double-digit amounts for the past few years. This has sent the price of new and used homes through the roof. Millions upon millions remain stuck in the dead-end rut of the rental game due to these skyrocketing home prices. But one way that you can possibly end the rental nightmare or perhaps even upgrade to a larger home is to use floor plans and start from scratch!

There was a …


floor plans

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In almost every major real estate market in the country, prices for new homes have increased by double-digit amounts for the past few years. This has sent the price of new and used homes through the roof. Millions upon millions remain stuck in the dead-end rut of the rental game due to these skyrocketing home prices. But one way that you can possibly end the rental nightmare or perhaps even upgrade to a larger home is to use floor plans and start from scratch!

There was a time when a person had to hire an architect to have a set of floor plans drawn up for a new home. Not only was this a costly expense, but it was time consuming as well. Nowadays, of course, a person has any number of outlets where finding floor plans are concerned.

The Internet is prime territory for finding floor plans for almost any kind of home design. Builders often post floor plans of homes they have already built as a way of showcasing their work. There are also specialty sites who specifically sell floor plans. The cost of these plans will vary according to site and house type, but it is entirely possible to secure a set for less than $300. That is a fraction of what it would cost you to have an architect firm create floor plans from scratch.

If you are particularly computer savvy and love to be creative, you may want to design your own floor plans. Using a typical CAD (Computer Assisted Drafting) software program, you can create your own floor plans from scratch. Some of the better programs will be able to calculate load strengths and help you craft realistic plans. If you do not have one of the better CAD programs, then you may need to have your plans verified by a structural engineer or contractor to make sure that all of your designs are feasible and safe.

Of course, floor plans can also be found in a number of books available at any library or bookstore. These are tried and true plans that usually come with a picture of how the home will actually look when completed. The cost of a book with floor plans can run you from $25-75.

No matter where you get the floor plans, they are quite useless unless you have the land to build the home on along with the financing to have it built. A lot of time and money can generally be saved by buying your floor plans as part of a kit which includes most of the lumber and materials necessary to build the home. You are usually responsible for the plumbing, foundation, and electrical but everything else is included to turn your floor plans and big dreams into an actual house of your very own. So consider floor plans and some property as a real economical solution to ending the rental nightmare.