Four 2013 Home Improvement Trends to Watch

Prior to the decline in the housing market, homeowners were focused on supersizing their homes and installing over-the-top upgrades fit for shows like the “Lifestyles of the Rich and Famous.” While homeowners have not completely fallen out of love with McMansions, they have turned their attention more to function (how they really live in their homes) by asking themselves: “Do we really need more space, or do we need to reconfigure our existing space?”

These home improvement trends for 2013 continue on this path to practicality:

Open Floor Plans: With the average home in the United States at least 30 years old, there are many floor plans that need updating to align with how homeowners actually live in their homes in the 21st century.  Homeowners are aligning form and function by connecting the kitchen (what has become the heart of the home) to adjoining eating, drinking, and socializing areas. They are also modernizing other areas of the home and making changes that accommodate multigenerational households.

Energy Efficient Upgrades: Instead of making a series of energy efficient upgrades one at a time, homeowners are taking a ‘wholistic’ approach and making them at the same time so these upgrades can work together to provide the most benefit.  This ‘wholistic’ approach allows homeowners to increase their home’s performance and comfort while maximizing their energy and financial savings.

Aging in Place: There is no place like home for vibrant older homeowners who want to maintain their independence and stay in their homes instead of going to a nursing or retirement home. In anticipation of potential decreased mobility, these homeowners are making the appropriate alterations to their homes for increased safety and accessibility.  A few examples of these alterations include, but are not limited to:
*    Barrier-free entryways that help eliminate tripping and make it easier to gain access to your home if confined to a wheelchair, crutches or a walker
*    Roll-in showers with height adjustable handheld and fixed showerheads
*    Ample clearance beneath bathroom and kitchen counters

Low Maintenance Yards: The reality is that lawns require a lot of care.  Water-wise homeowners are eliminating their lawns altogether and replacing them with plants native to their region.  Or, for those not ready to eliminate their lawn, they are maintaining a small lawn as an accent area, instead of having a lawn that dominates the yard. By doing so, they’re saying good-bye to high water bills.

Resource: eHow.com

January Home Improvement: Weekend Projects

Tips to get your home in tip top shape for the season

The holidays are over and the New Year has begun. January is the time to get cracking on lots of little winter home improvement projects, avoiding big winter woes later on. Here's where to start.

WEEKEND #1: Put Away Holiday Decorations

The holidays are officially over, so January's first weekend is the perfect time for a home improvement project: putting away those sparkly decorations. Remove all of your holiday decorations and while you are taking them down, examine them for any damages. Check to make sure all the lights are working, replace any burned out bulbs and make certain the holiday season has not caused wires to fray. This January weekend is the best time to make sure your lights will be in good working order next season. Plus if any damage is found, you can replace them while they are still 50% off!

To store your holiday lights, cut some cardboard into 12 by 9 pieces and wrap the lights around it to keep them tidy and at the ready for next year. Be sure to store decorative items in clear plastic bins so you know exactly what is in there, and to be sure moisture does not deteriorate any of the cheer. Place all stored items at the back of your storage area to allow the current seasonal items to be accessible.

WEEKEND #2: Fix Unsightly Wall or Ceiling Cracks

By now you have spent some time indoors due to the wintry weather, and you have no doubt noticed a few cracks here and there. This January weekend is a good time to repair them. Here are a couple of tips to help. If you see cracks where your walls meet the ceiling, don't worry.  While unsightly, they pose no structural risk. These cracks are just from the normal expansion and contraction of your house where two pieces of drywall meet. You might notice cracks in either ceiling or wall seams. This cracking can happen anywhere pieces of drywall meet and is normally caused by the joint compound over the seam drying out.

To fix these unsightly cracks, start by removing the old piece of drywall tape. This is going to cause some damage to the surrounding area but will ultimately allow you to make a repair that will stand the test of time. Next, apply a continuous piece of meshy fiberglass drywall tape over the joint.  Then apply a thin layer of joint compound using a wide spackle knife and let dry. Continue to apply layers, allowing each to set before applying the next. You can apply three layers, and on your last layers, use a narrow spackle knife. Once the tape is fully covered, sand the area using a fine sand sponge or paper to smooth the texture of the wall or ceiling, and then repaint.

If you see cracks along your crown moulding and the ceiling, you can easily fix those cracks with a latex paintable caulk. Be sure to smooth the bead of caulk with your finger. Once dry, you can paint the caulk to match the trim if necessary.

WEEKEND #3: Clean Tile And Grout

Whether it is used for floors, backsplashes or walls, grout is possibly everywhere in your home. Grout does not have to be darker than it was when first applied. Here are some home improvement tips to get dirty grout clean and bright once more and do a little something to help it stay that way.

The type of tile you have and the amount of discoloration on your grout is going to determine how you clean it. If you have an unglazed tile, you want to always use a natural cleanser; glazed tiles allow you to work with a stronger chemical cleanser. You can use a homemade solution of baking soda and a bit of water. Make a paste of the baking soda and water and apply with a toothbrush, working in small areas so the baking soda doesn't dissolve and loose its abrasiveness. Rinse the area with water once you are done cleaning the grout. 

For more stubborn stains on your grout, use diluted bleach before bringing in chemical striper for the most difficult projects. Once the grout is clean and thoroughly dried, apply a grout sealer, epoxy or acrylic, which is going to help the grout to not absorb any dirt and stains. Do it once, do it right, and your grout will look as nice as your tile for the long haul.

WEEKEND #4: Lubricate and Eliminate Squeaks and Creaks

Does old man winter have your joints aching this January? No doubt it has the joints of your home aching and creaking as well. If you notice any doors that are not opening as smoothly or sliding the way they used to, that is an easy fix. Grab some WD-40 and attack the working parts of those creaky doors. Lubricate the hinges and the sliding tracks to help smooth out the sticky situation.

You can also lubricate the hinges on medicine cabinets and kitchen cabinets with WD-40. Also, every so often, place WD-40 on your key and slide it into the lock to keep those parts working. Once you start you will find yourself working to lubricate just about anything that opens. That's okay, home improvement addictions are perfectly allowed!

Resource: The Money Pit

10 easy, New Year's resolutions for the eco-slacker

These resolutions will help you save money, cut your carbon footprint and decrease your home's waste.

Going to farmers markets and becoming a weekend vegetarian are two easy green lifestyle changes you can make in the new year. (Photo: JohnnyRokkit/Flickr)

It's easy to think about all the big changes you're going to make in the New Year as the old year comes to an end — but by the second week of January, most of us are already finding reasons to skip the gym or break the spending freeze. That's why we've come up with ten green New Year's resolutions so easy you'll have no excuse not to keep them — and as they help you save money, cut your carbon footprint, decrease your home's waste stream, and improve the quality of the Earth, you'll be glad you did.

1. Never buy bottled water again

Trade your bottled water habit for an at-home filtering pitcher and you can help make a dent in the 1.5 million barrels of oil used to make plastic water bottles each year; pair it with a reusable bottle (like one made of glass, aluminum, or recycled plastic), and you'll always be prepared to tackle your thirst. Bonus: With bottled water no longer on your shopping list, you could save as much as $1,400 this year.

2. Brew your own Fair Trade coffee

Carrying your own coffee in an insulated travel mug helps you reduce waste from cardboard cups and carrying sleeves — which are thrown away at a staggering rate of 58 billion each year. For greener at-home brewing, choose a Fair Trade blend that supports farmers; add organic milk instead of artificial creamers; and try a French press (instead of a traditional brewer) to save electricity.

3. Remember your reusable bags

With more than 1 million plastic bags ending up in the trash every minute, taking reusable bags to the store is one of the easiest and most effective ways to reduce your carbon footprint — but the hardest part about using them is simply remembering to take them with you. A set like this one from Blue Avocado is almost impossible to forget: It comes with six different bags, sized for everything from frozen goods to fresh fruit, and the entire collection folds down into a slim packet for easy transport.

4. Cut back on paper towels

If you're grabbing a paper towel for everything from wiping up spills and cleaning your counter to scrubbing the bathroom and keeping your hands clean at dinner, it's time to make a change. Instead, invest in a few cotton cloths and some fabric napkins; then drop them in the wash when you run a load of laundry. Using the cloth alternatives is just as easy as using the paper versions, and you only need to buy them once — plus you can help eliminate the 3,000 tons of paper towels that end up landfills every day.

5. Use a bike for short trips

It takes a certain amount of dedication to permanently give up a car in favor of a bike, but even an eco-slacker can make it work for short trips that don't require hauling a lot of stuff: picking up milk at the local grocery store, after-dinner ice cream at your favorite dessert spot, your morning yoga class, brunch with friends at the coffee shop. Ride your bike for trips shorter than 2 miles and you could cut your carbon footprint significantly, save money on gasoline and car maintenance, and increase your fitness level — all at the same time.

6. Order from your local Community Supported Agriculture (CSA)

Going to the farmer's market always sounds like such a great idea — until Saturday morning rolls around and you realize you have to get up early, have enough cash, and fight other customers for the best strawberries. Instead, have your local CSA program do the hard part for you by putting together a box of their best produce each week — and, if you're really feeling lazy, have it delivered right to your door so you get fresh, local fruits and vegetables without giving up your lazy coffee-and-crossword mornings.

7. Become a weekend vegetarian

Cutting meat out of your diet just two days a week can decrease your carbon footprint by about 1/3 of a ton — and coming up with meat-free meals for Saturday and Sunday isn't as hard as it sounds. Try pancakes and fruit for breakfast; fresh salads or roasted vegetable sandwiches for lunch; and veggie pizza, bean soups, and creamy risottos for dinner. And since doubling a recipe rarely adds any time to your prep work, you can make extras to eat throughout the week (and trim your carbon footprint even more).

8. Eliminate phantom power

It takes approximately one second to unplug the charger for your cell phone, mp3 player, e-reader, or iPad — but if you really can't be bothered, then let nifty, energy-efficient gadgets do the work for you. Use power strips to turn off all your appliances at once; put your television, DVD player, game system, and stereo on a timer so they automatically shut off overnight; and invest in chargers that stop drawing current when the device's battery is full. You could cut your energy bill by as much as 10 percent annually — without lifting a finger.

9. Switch to green power

Switching your home to run on green power sounds like a big job — installing solar panels, geothermal energy, or a tankless hot water heater is not a job for the construction-impaired. But you can also make this happen without getting out of your chair: Call your local energy company and see if they offer renewable options (most do). You might see a small jump in your bill, but it's an easy way to make a big change.

10. Replace your lightbulbs

Replacing your lightbulbs with compact fluorescent lights may be the ultimate change for the eco-slacker. Despite all the jokes, it takes only one person to change a lightbulb — and since CFLs last longer than traditional bulbs, you'll be saving time for years down the road while cutting your energy use by as much as 80 percent. Can't even face the hardware store? Order your bulbs online and have them come straight to your door.

Resource:  Mother Nature Network

How to decide if you should buy or rent a house

We've always been told buying a house is one of the best investments you can make. But is it really?

When it comes to buying a home, there are many things to consider besides the mortgage payment.

 

 

WHAT'S BEST FOR YOU?

So before you make a down payment on your dream home, take a long, hard look at your finances and make the best decision for your situation.

More than just a mortgage

Many people think if their current rent payment equals a possible mortgage payment, then they should be putting their hard-earned money into something they can call their own. This seems like solid logic, but owning a home is much more than paying your mortgage. When you buy a house, you are first required to pony up a down payment (you'll want to lower your mortgage), which will be in the thousands. But more than that, you have to pay property tax, homeowner's insurance and shell out a lot of dough for home maintenance and repairs. All this adds up, and according to financial guru Suze Orman, when figuring out the real total of your monthly payments, you should add 40 or 45 percent of your mortgage to determine what you'll actually be spending.

Future plans

If you have the down payment and are prepared for all the extra costs, the next thing to consider is how long you plan to live in that house. If relocating is a possibility, renting is probably the best option so you won't have to go through the hassle of selling or, even worse, losing money on your investment. Job security should also be a factor when deciding what to do. If you're just out of school or if there's a possibility you could lose your job or get downsized, you might want to hold off on making such a large purchase.

Resale value

If you plan to live in your home for several years, it could be a great investment for you. But if you buy a home and try to sell it shortly thereafter, especially with the market the way it is today, you'll probably lose money. If something changes in your life and you need to make a quick exit (if you get transferred or the new job you find is in another city, for example), you might not be able to unload your house for a decent price.

Benefits of home ownership

Of course, if you have the money, plan to live in your home for years and don't foresee needing to make a quick getaway, then there are many benefits to buying a house. Not only is it a good investment, but you'll receive tax breaks, be eligible for home-equity loans, free yourself from landlords and be able to make any kind of improvements you wish, which will only add to the resale value.

Rent or buy?

Buying a house is a big decision and has many benefits, but it's also all about timing. So take a hard, realistic look at your finances and where you plan to be in the next few years. If financial planning isn't your thing, you can even consult a financial planner, who will not only give you insight on whether you can afford a house, but can help you make a plan that will allow you to do so in the future.

Resource:  Sheknows.com

Top 5 Tips for Getting Your Car Ready for Winter Driving

1. Check (and change) your coolant

Driving on worn-out coolant is a bad idea all year-round, but it's especially bad in winter. Worn coolant can freeze and destroy your engine. You can test its freeze protection level with an inexpensive gauge (less than $10) from any auto parts store. But there's more to coolant than just freeze protection. Fresh coolant prevents corrosion damage to your heater core, radiator and water pump. Once corrosion starts, the heater core plugs up and you lose heat. That repair alone can cost upward of $1,000. If you can't remember the last time you changed the coolant, change it now. It's cheap insurance against expensive repairs later.

2. Service your battery and charging system

Have a pro check and service your battery and charging system. On a cold winter night, you're likely to have all your electrical accessories (headlights, wipers, heater/defroster and rear window defogger) running at the same time. That puts tremendous stress on your vehicle's electrical system. So it's important to have clean connections and a fresh battery. Old batteries just can't the handle frequent discharge/recharge cycles and can actually cause premature alternator failure. If your battery is four years old (or older), it's living on borrowed time. Replace it now with the best battery you can afford.

3. Tune it up

In cold weather, new spark plugs and ignition wires can mean the difference between a rapid start and an engine that won't fire up. Check your owner's manual to find the manufacturer's recommendation for when to replace spark plugs. If you're within 20 percent of that mileage, change them now and enjoy better starting all winter.

4. Replace your wiper blades

The winter blade on the right is covered with a rubber boot to keep snow and ice out of the support arm.

Replace your wiper blades with "winter wiper blades." Winter blades are covered in a rubber boot that prevents snow and ice from packing inside the squeegee's support arms. So they keep your windshield clean even in heavy snow. Many newer vehicles come with beam-style blades that don't have support arms. If you have those on your vehicle, make sure they wipe without streaking. If you see streaks now, they'll only get worse as road salt and grit wear them down even more. Replace them now for better visibility.

5. Check your headlights

The UV coating on plastic headlights degrades over time and the lenses turn cloudy, reducing road illumination by 70 percent. You don't have to replace the entire headlight to see clearly again. Just buy a headlight restoration kit (about $25) at any auto parts store. Then pull out one of your low-beam headlight bulbs and examine it. The glass should be crystal clear. If you see gray or brown deposits on the inside of the bulb, it's time to change headlights. Those deposits can reduce nighttime visibility by almost 300 ft.

Resource:  The Family Handyman, Rick Muscoplat, Automotive Editor

Holiday Health and Safety Tips

The holidays are a time to celebrate, give thanks, and reflect. They are also a time to pay special attention to your health. Give the gift of health and safety to yourself and others by following these holiday tips.

Wash your hands often.
Keeping hands clean is one of the most important steps you can take to avoid getting sick and spreading germs to others. Wash your hands with soap and warm water for at least 20 seconds. Cover your mouth and nose with a tissue when you cough or sneeze.

If you don’t have tissue, cough or sneeze into your upper sleeve or elbow, not your hands.

Stay warm.
Cold temperatures can cause serious health problems, especially in infants and older adults. Stay dry, and dress warmly in several layers of loose-fitting, tightly woven clothing.

Manage stress.
The holidays don't need to take a toll on your health and pocketbook. Keep a check on overcommitment and overspending. Balance work, home, and play. Get support from family and friends. Keep a relaxed and positive outlook. Make sure to get proper sleep.

Travel safely.
Whether you're traveling across town or around the world, help ensure your trip is safe. Don’t drink and drive, and don’t let someone else drink and drive.


Wear a seat belt every time you drive or ride in a motor vehicle. Always buckle your child in the car using a child safety seat, booster seat, or seat belt according to his/her height, weight, and age.

Be smoke-free.
Avoid smoking and breathing other people's smoke. If you smoke, quit today! Call 1-800-QUIT-NOW or talk to your health care provider for help.

Get check-ups and vaccinations.
Exams and screenings can help find potential problems before they start. They can also help find health issues early, when the chances for treatment and cure are often times better. Vaccinations help prevent diseases and save lives. Schedule a visit with your health care provider for a yearly exam. Ask what vaccinations and tests you should get based on your age, lifestyle, travel plans, medical history, and family health history.

Watch the kids.
Children are at high risk for injuries. Keep a watchful eye on your kids when they’re eating and playing. Keep potentially dangerous toys, food, drinks, household items, choking hazards (like coins and hard candy), and other objects out of kids' reach. Learn how to provide early treatment for children who are choking. Make sure toys are used properly. Develop and reinforce rules about acceptable and safe behaviors, including electronic media.

Prevent injuries.
Injuries can occur anywhere and some often occur around the holidays. Use step stools instead of furniture when hanging decorations.  Leave the fireworks to the professionals.

Wear a bicycle helmet to help prevent head injuries. Wear a helmet when riding a bicycle or skateboarding to help prevent head injuries. Keep vaccinations up-to-date.

Most residential fires occur during the winter months. Keep candles away from children, pets, walkways, trees, and curtains. Never leave fireplaces, stoves, or candles unattended. Don't use generators, grills, or other gasoline- or charcoal-burning devices inside your home or garage. Install a smoke detector and carbon monoxide detector in your home. Test them once a month, and replace batteries twice a year.

Handle and prepare food safely.
As you prepare holiday meals, and any meals, keep yourself and your family safe from food-related illness. Wash hands and surfaces often.


Avoid cross-contamination by keeping raw meat, poultry, seafood, and eggs (including their juices) away from ready-to-eat foods and eating surfaces. Cook foods to the proper temperature. Refrigerate promptly. Do not leave perishable foods out for more than two hours.

Eat healthy, and be active.
With balance and moderation, you can enjoy the holidays the healthy way. Choose fresh fruit as a festive and sweet substitute for candy. Select just one or two of your favorites from the host of tempting foods.

Find fun ways to stay active, such as dancing to your favorite holiday music. Be active for at least 2½ hours a week. Help kids and teens be active for at least 1 hour a day.

Resource:  CDC.gov

Checklist: Preparing Your Home for the Holidays

Nothing brings people together like the holiday season. Start preparing now with some easy home improvement projects to welcome your guests in style. 

Whether your guests are staying just for the day or will be overnight visitors, this holiday checklist will help make your home as inviting and comfortable as possible.

Entrance

• Make sure all walkways and porches are free of ice and snow.  Taking someone to the emergency room because of a fall is not the way you want to start the holidays.
• Make sure all outdoor lighting is functioning properly and is turned on when it is dark.  Another important precaution to ensure your guest's safety.
• Establish a place to collect all warm weather apparel, including boots.  Add extra hangers to your coat closet or designate a room to collect these.  You should also consider adding an extra doormat for those wet boots.  If you plan for this ahead of time your entrance won't become a cluttered mess.

Living Area

• If the carpet isn't looking its best, schedule a professional carpet cleaning.
• Clean the windows so that guests can clearly see your outside decorations.
• Add some color to the walls by freshing up your space with a new coat of paint.
• Bring holiday scents to your living space with candles, potpourri, fresh garland or pine cones.

Bathrooms

• If the tile looks dingy, replacing it or even new grout can give a fresh look to a bathroom.
• Make sure the bathroom fan and window are in operating condition.  Ventilation is an important part of keeping your bathroom clean and mildew-free.
• Make sure you have enough guest bath and/or hand towels.  Consider special towels with holiday themes to keep with the spirit of the season.

Kitchen

• The kitchen has become an essential room for entertaining with the popularity and ease of serving food buffet style.  To provide more space, try installing applicances under countertops or consider investing in a kitchen island.
• Check the condition of the countertops, cabinets, and appliances.  Replacing the applicances can make a huge difference when you're preparing meals for large groups.
• Declutter your counter space by removing unsed appliances and other items and store in a place unseen to your guests.

Guest Rooms

• Make sure the guest beds have fresh linens.  Add a nice holiday decoration or treat to the bed welcoming your guests.
• Clear some closet space or a drawer to make your guests feel more at home.  No one likes to live out of a suitcase.
• Provide your guests with a bedside clock and reading lamp.  Not everyone goes to sleep or wakes up at the same time.

Color Trends for Home + Interior 2013

Pantone View Home + Interiors 2013 Trend Forecast

Earlier this year, Pantone released the Pantone View Home + Interiors 2013 Trend Forecast, a guide containing the nine most directional color palettes for home furnishings and interior design in 2013.

"To create the 'magic' that ultimately leads to sales in the marketplace, colors for 2013 will need to coax and cajole, soothe or astonish, renew and replenish," said Leatrice Eiseman, executive director of the Pantone Color Institute. "At the same time, there will be the consumer's expectation of practicality - what colors will have staying power and can be relied upon as a steadying influence in unsteady times. Skillfully balanced color palettes that play to their practical side, while satisfying their aspirations, hopes and needs for something novel will remain key to enticing the would-be consumer or client."

Pantone View Home + Interiors 2013 is a forecasting book that provides color and trend direction, enabling designers to select the right shades and combinations for home furnishings or interior spaces. The book contains visual inspiration, suggested color harmonies, individual tear-out palette cards for each of the nine forecasted palettes, swatches of the 75 forecasted colors, and images from the forecast for use in presentations and storyboards. Highlighting additional insight and directions, a summary page concludes the forecast with a comprehensive color overview and a look at other factors influencing the world of home furnishings and interior environments.

To enable digital design, Pantone View Home + Interiors 2013 also includes Pantone Color Manager for direct download of all Pantone Color Libraries into design software.

The nine palettes for 2013 are: Connoisseur, Glamour, New Old School, Rugged Individuals, Extracts, Footprints, Sojourn, Surface Treatments and Out of the Ordinary.

The palette called Connoisseur takes a fresh approach to celebrating the finer things in life while displaying a sense of history and elegance. Whether it is the perfect plate or the smooth finish of a simple table linen, these fine sensibilities are often reflected in a choice of colors that are both sophisticated and refined, yet not without a touch of understated drama. The colors are a compilation of monochromatic violets and orchids, liquid pink, deep mahogany, alyssum white and beechnut green, all reflected against champagne beige and silver.

The very word Glamour expresses what this palette is all about. Sleek and sensuous, it is very much reminiscent of the Art Deco era interpreted with contemporary influences. There is something very personalized and unique in the beguiling styling that involves both confidence and flair. Colors adequately reflect the mood of a bygone era: Rio red, and Monaco blue, deepest tap shoe black and chinchilla, ethereal gray moonmist and jasper teal. To add more glimmer to the glamour, there is both silver and champagne beige.

Another palette emphatically connected to heritage and history is New Old School. Adding a twist to a somewhat "preppy," collegiate and classic palette, it celebrates the hues typically found in iconic flags and banners. The styles are also reminders of the past, yet some sport a new contemporized look. There is ribbon red, bright white and sodalite blue, while nautical blue salutes breen and ultramarine green. Gargoyle and microchip grays draw a visible link to the contrast between the old world and the new.

Ranging from out West to the Outback, picking up the "ole" of the gaucho along the way, cowboy and cowgirl styles ride firmly into interiors. These are the Rugged Individuals who encourage and inspire the natural shadings of the prairie, polished leather, weathered wood and animal hide, while the earthiness of raw sienna tones blend with the inevitable classics of both vintage indigo and stonewashed blue jeans.

Taking orangey and spice tones to a new level, Extracts employs flavorful notes of color along with suggestions of appealing scents to create combinations that are zestful, pleasing, piquant and often unexpected. There is a subtle taste implied in this palette that evokes a somewhat exotic top note in spiced coral, brandied melon and apple cinnamon. The quiet presence of dusty pink and baked clay is refreshingly balanced by a tart, green banana.

Footprints is a palette that leads us down a path to vibrant tribal colors. These are steps that are not taken lightly, but instead are bold, forthright and very directional. Following the seductive rhythm of tangerine tango are peacock blue, a fiery pink flambe and solar-powered yellow. A verdant yellow green called oasis provides respite from the heat of Sudan brown.

The Sojourn palette takes us on a journey, one that is a bit more magical and intricate, as reflected in the compelling mixtures of a heady Syrah wine hue, the purpled intensities of a blackish plum, and the rosy glow of foxglove and Baton Rouge fuchsia against pampas and the green winter moss. All are nestled comfortably within the grounded organic hues of cobblestone and shitake.

Surface Treatments is a highly textural palette that adeptly utilizes smooth and nubby - polar opposites in a tactile world. It likewise embraces the liquid colors of ocean, sea and air such as Maui blue, vapor blue, and a more tempestuous tornado gray, along with the land-locked colors of fallen rock and birch, combined with a vegetal agave green. Medal bronze adds yet another dimension and patina to this diverse yet compatible grouping.

Quirky, odd, whimsical and even a bit obtuse, Out of the Ordinary products immediately capture the imagination of the beholder. It can be styling, texture, shape or design that reaches out to tempt the eye, but most frequently it is the color that captures instant attention and awareness. Colors like bonnie blue, pureed pumpkin and chocolate truffle are deliberately enticing, while amber green, linden green, golden rod, bright violet and rosebud round out this creative array.

Resource: Dexigner.com  

Holiday shopping online? 3 tips to avoid common scams

(BPT) - Sometimes the best way to find that perfect holiday gift is to search and shop online; it's quick, easy and convenient. And more and more people are doing it: It's anticipated that sales for November and December will grow to $54.5 billion in 2012, a 16.8 percent increase over 2011, according to eMarketer.

As you venture into unknown online territory in your quest for that perfect gift, it's important to shop with a heightened sense of security. 

There are undoubtedly countless honest and hardworking sellers who peddle goods over the Internet, but there are also scammers looking to take advantage of unwitting victims.

Help protect yourself from scammers by following three simple rules:

1. Never use a money transfer service to pay for something online.

"Money transfer services are convenient and simple ways to send cash to people you personally know, but you're better off paying by credit card or using an escrow service when you're buying goods online from someone you don't know or you haven't met in-person," says Shelley Bernhardt, director of consumer protection at Western Union.

Western Union is not an escrow service provider and does not guarantee the delivery or suitability of goods or services.  Once you send a money transfer, it can be paid out to the receiver within a short time.  After the money is paid, it's gone and the odds of getting it back if the gift you thought you purchased never finds your doorstep are slim.

If an individual seller or online retail website only accepts money transfers as payment, be wary and look elsewhere. And don't be fooled, even if the seller appears friendly and offers a reasonable explanation as to why he or she only accepts money transfers - fraudsters are well-trained in gaining your trust.

2. Never email any financial information.

It's a red flag if a seller asks you to email a credit card number or checking account number. And remember: Never give out your Social Security number when shopping online; retailers don't need this information to complete a transaction. If you're paying for something online, use a secure money exchange service like Paypal or use the secure payment portal on the seller's website.

3. Read product descriptions carefully, including the fine print, and determine exchange and return policies before you purchase.

If the seller or website you bought from doesn't have an exchange policy and the product you buy ends up being something different than what you expected, you're likely out of luck if you try to return it.

You can shop online safely and securely during the holidays or anytime of the year. But make sure you're a savvy shopper and protect yourself from scammers by approaching your purchases with the required amount of scrutiny.

For more information on avoiding common scams, visit www.westernunion.com/stopfraud or www.ftc.gov/moneymatters and click on "Scam Watch".

10 Easy Green Household Habits from Top Eco-friendly Bloggers

Environmentally friendly habits don't have to be expensive. In many cases, protecting your bank balance and protecting the planet go hand in hand! Here we've rounded up ten easy habits that save can save families money and help the environment at the same time, all suggested by Circle of Moms' Eco-friendly Mom Bloggers.


1. Buy Secondhand

"One second-hand big ticket purchase alone can save your household thousands of dollars and reduce environmental impact." Gretchen Covine, EdenFeed

2. Make Your Own Cleaning Products

"An easy, eco-friendly and FUN habit that helps save money is to make your own household cleaning products. With pantry items like baking soda and white vinegar, Castile soap, and essential oils you can make inexpensive cleaners that are safe for you, your family, and the planet." –Mindy McLaren, Sweet & Woodsy Blog

3. Reduce Food Waste

"The U.S. Department of Agriculture estimates that about 30 cents of every dollar we spend on food we end up throwing away because what we've bought spoils, or expires, or because we've just bought too much. The solution? Put leftovers in the front of the fridge, not the back where you might forget about them. Try to plan menus in advance, then grocery shop with an ingredients list so you buy what you really will use. Go to the grocery store just once a week - after 'leftovers' night, if possible, and when the fridge is almost empty." Diane MacEachern, Big Green Purse

4. Save Water and Energy on Laundry

“Avoid using the permanent press cycle, which uses an added 20 liters (5 gallons) for the extra rinse. New Energy Star-rated washers use 35-50% less water and 50% less energy per load. Wash your laundry in cold water — 80-90 percent of the washing machine's energy is used to heat the water. Your clothes will be just as clean — honest!" -Lori Popkewitz Alper, Groovy Green Livin'

5. Drive Less

"Drive less and walk/ride/roll more…Adopting a more active-lifestyle approach to transportation saves money on gas and car repairs, provides an "excuse" for families to exercise together, and reduces natural resource depletion." -Kimberly Danek Pinkson, ecomom blog

6. Reuse Containers

"One of the best ways to save money AND be eco-friendly is to reuse/recycle what you already have! Save tons of money on storage containers by reusing glass and plastic food containers when they are empty." Jennifer Nitzky, Sprout's Green Family

7. Start a Garden

"The taste of homegrown produce is AMAZING, and it's a great family project. When local produce is in season, you can also preserve the bounty for pennies on the dollar compared to store products. We can, dry, freeze, lacto-ferment, root cellar, and use cold frames and a greenhouse for season extension. The kids are so proud of themselves when they share ‘their’ fruits and vegetables with family and friends.” -Laurie Neverman, Common Sense Homesteading

8. DIY Gift Wrap

“Wrapping paper, tissue and gift bags are insanely expensive for something that ends up in the trash before the party is even over. Instead, use what you have to wrap gifts — a basket or a beach bucket can be two gifts in one. Or use your child's artwork to make an extra special presentation. -Amity Hook-Sopko, Green Gifts Guide

9. Cloth Diapers

"You can significantly reduce the cost of diapering by using cloth. After the initial start up cost to purchase the materials you need (in our case, it was around $150), you can save several hundred dollars each year by committing to cloth. If you plan to have more children and reuse your cloth diapers, you will have saved a serious amount of money!" -Charise Rohm Nulsen, I Thought I Knew Mama

10. Turn Off Lights & Unplug Electronics

"I know this sounds incredibly easy and almost silly, but turning off the lights when you are not using them, as well as putting your computers, TV's, etc. on a power strip and turning them off nightly [saves money]. ... Computers, TV's, DVD players, and other electronics that are plugged in 24/7 are considered 'energy vampires.' They use energy even when we are not using them." Amy Todisco, Green Living Now


Resource: The Circle of Moms Editors

Cheap Home Security Tricks

Here are some valuable tips to prevent burglars from making themselves at home in your house.

In the security of your own home, it’s easy to avoid thinking about how comfortable a burglar could get while you’re away or even fast asleep. According to the FBI, the number of home burglaries ticked down a bit last year, but they’re still frequent enough that the Bureau’s one-burglary-every-15-seconds estimate holds. That means every home is at risk for a burglary or break-in, especially those offering easy entry to thieves through the neglected details that lead to big losses.

If installing a top-of-the-line home security system is beyond your budget, fear not--there are many cheap home security tips and tricks you can use to keep your family and property secure.

Light It Up

• A well-lit home is much less likely to be broken into, so make sure your home's exterior is fully illuminated with motion-detector spotlights and other strategic outdoor lighting fixtures.
• When you’re away, use timers on interior lights to give the impression of home life as usual. Manual and digital timers can be found at your local hardware store or home center for a few dollars a pop. 

Keep the Landscape in Shape

• Tall trees can be accessories to crime when dense branches come close to your home and create pockets of darkness where burglars can hide. Keep trees well-trimmed to avoid giving thugs a place to hang out.
• Dense shrubs can also create a hideout, so keep hedges low and plantings near doors and windows neat and transparent. 

Door Stops

• A door with only a handle lock is an easy mark for a crook armed with finesse, a plastic credit card and the desire to break your home security. Instead, add a good-quality deadbolt at each entry. The best deadbolts require a key on the outside and incorporate a thumb latch on the inside. Further strengthen every installation by substituting long, heavy-duty screws for those provided by the manufacturer so that entry doors can be secured to the wood-framed door opening in the wall.
• No matter which lock you choose, it’s only as strong as the door itself, which is generally weakest around the lock. Add a decorative door reinforcement plate (about $10) to make this zone more secure. For more entry door security tips, check out our Front Door Entryways tips.
• Improve home security at the patio door by adding a patio bar, which can stop the inside door from sliding open or being pried off if the lock is broken. A sturdy piece of wood strategically placed in the open track can also improve door security.
• When leaving home for day trips or longer, keep your garage closed to intruders by inserting a large stove bolt through one of the side track holes to prevent the door from being slid open.
• Install a wide-angle (200-degree) peephole in your front door so that you can easily see who’s come knocking. 

Secure Your Keys

• Never hide spare keys in “secret” places outside your home, because smart burglars know which flowerpots to look under.
• Be smart about issuing spare keys. Even though you may be careful about who they’re issued to, you can’t control the paths they may cross or situations in which your key may be exposed to duplication.

Weak Windows

• Windows can be the weakest link in home security, especially if left open and unattended. Make sure all units are closed and locked before you leave home for even the shortest errand, and add window dressings and shades to discourage prying eyes.
• Modern windows include sash locks, but you can improve security by drilling a hole from front to back where the top and bottom windows overlap and installing a long nail in the hole. If the integrated window lock breaks, the nail will stop the window from sliding open. Security bars on ground-level windows are also an option, but make sure they’re fitted with quick-release mechanisms that allow them to be opened from the inside in an emergency. 

Self-Service Security Systems

• Low-cost, high-technology home security systems incorporating infrared motion detection, remote controls and easy-to-install door and window break-in sensors are available for application in apartments and small homes. If you have pets, you can prevent false alarms by looking for systems incorporating “pet alley” settings that keep detection just above their usual paths.
• For more security with doors and windows, purchase individual alarms to supplement existing security measures. 

Make a Thorough Inventory

• Perhaps the most important home security measure of all is to document your home’s contents, particularly the valuables. Get out the video camera and take a thorough tour of your home, then deliver a copy of the resulting tape and any other helpful documentation to your safe deposit box. If your home security is ever really threatened by a burglary, you’ll have the proof you need to supply to the police and to your homeowners insurance company.

Resource: moneypit.com


Another option of protecting your home and family is with a Tomboy Tools Home Security System.  Our easy-to-install, state-of-the-art GE Wireless Home Security System has five flexible packages to meet your needs, budget, and lifestyle.  Contact your local Tomboy Tools Consultant for more information.