Home Sweet Home Oct 2019 Magazine

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Publisher

Yvonne Gomez 956-682-2423 ext. 3983 956-546-5113 ext. 6131 ygomez@gatehousemedia.com

Advertising director

Ludmila Garcia 956-682-2423 ext. 2477 lggarcia@gatehousemedia.com

editor

Illiana Luna 956-682-2423 ext. 3984 iluna@valleytowncrier.com

Account eXecutives

Ricardo De Luna 956-358-1934 rdeluna@valleytowncrier.com

Emmanuel Villa 956-862-5966 evilla@valleytowncrier.com

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Janie Gonzalez 956-459-1027 jgonzalez@valleybargainbook.com

Janie Kersey 956-346-3283 jkersey@valleybargainbook.com

Heber Valdez 956-202-6351 hvaldez@valleybargainbook.com

inside sAles

Julie Garcia 956-682-2423 ext. 1631 jgarcia@valleytowncrier.com

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McAllen oFFice

4500 N. 10th Street, Ste. 155, McAllen, TX 78504 956-682-2423 www.yourvalleyvoice.com www.edinburgreview.com

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Expert cleaning advice

For hard-to-clean areas

By Melissa Erickson More Content Now

Whether you enjoy cleaning the house or not, certain areas of the home are routinely overlooked.

“We recently surveyed consumers to get a better understanding of their cleaning habits and found that many people not only overlook certain areas of the home when cleaning, but also intentionally avoid areas they think are too difficult to clean like curtains, blinds and behind the toilet,” said Leanne Stapf, chief operating officer of The Cleaning Authority. “The longer you ignore them, the buildup of dust, dirt and grime will be harder to remove.”

The national survey showed that nearly 30% of homeowners forget to clean ceiling fans and light fixtures, while 50% of cleaning experts said most baseboards go untouched.

While more frequent cleanings can help, expert hacks can make the process less daunting.

“Be aware of the areas that you typically forget to clean and avoid because it’s difficult, and ensure that you make the time to get to those spots,” Stapf said.

Managing time well can also help a reluctant cleaner. Many people underestimate how much time something will take, then they get overwhelmed and give up, said cleaning expert Becky Rapinchuk.

“I encourage people to work in smaller time increments so they can accomplish a little at a time,” said Rapinchuk, who blogs at CleanMama.net and is the author of “Clean Mama’s Guide to a Healthy Home.”

Here are some of Stapf’s tips to help clean the forgotten and tricky areas around the house:

• Baseboards: The quickest method for removing dust from baseboards is to use the brush attachment on your vacuum. To remove any scuff marks, gently scrub the baseboards with a cleaning sponge like a Mr. Clean Magic Eraser.

• Curtains: A simple way to freshen up curtains in between washes is to use a vacuum. Use the vacuum’s brush extension to remove any dust or debris from the curtains.

• Blinds: Grab a pair of tongs, wrap two microfiber cloths around them and fasten with rubber bands. Clasp the tongs around each blind and drag across to remove dust.

• Ceiling fan: Instead of using a rag to clean the fan, try using a pillowcase. Slip it in between the fan blades and swipe one at a time. You can then just throw your pillowcase into the washing machine.

• Behind the toilet: Given the hard-to-reach crevices and grout lines behind the toilet, it’s beneficial to purchase an extendable scrubber. This eliminates any back strain or bruised knees from trying to fit back there. When using the scrubber, dip into a solution of warm water, ¼ cup vinegar and 1 tablespoon of dish soap for a thorough clean.

• Hard-to-reach pet hair: Slide rubber gloves on and rub down any areas that need extra cleaning after vacuuming. When rubber is pushed against fabric, it can generate electricity to gather remaining pet hair. Rinse the gloves under running water when you’re done and the hair will unstick.

• Electronics: Coffee filters are perfect for clearing dust from TV screens, computer monitors and any other screens around the home, without leaving behind any fibers like towels do.

“I encourage people to work in smaller time increments so they can accomplish a little at a time.”

Becky Rapinchuk, cleaning expert and author

FREEPIK.COM

What to consider in a tiny home

By Melissa Erickson More Content Now

Biger doesn’t always mean better, especially for people who live in tiny homes. Giving up square footage, tiny-home dwellers yearn for a more simple life, are often concerned about the environment and are financially motivated to spend their money on pursuits other than housing.

There is no official description of just what constitutes a tiny home, but usually they’re under 400 square feet, said Dan Louche, owner of Tiny Home Builders in Cumming, Georgia. They can be on wheels or not.

A confluence of events, including the emerging interest in tiny living combined with the 2007-08 financial crisis, encouraged more people to consider living more modestly. In 2014, the TV show “Tiny Home Nation” gave the movement a giant boost, Louche said. “The trend is still growing,” he said.

Eighty to 85% of his clients are financially motivated, Louche said: “You can buy a house for the price of a car.”

Downsizing, or the simplification aspect, is often challenging.

“Many people think less stuff equals more happiness. They can move into a tiny home and stop acquiring stuff, stop recreational shopping. It’s challenging but it’s a satisfying challenge,” Louche said.

More difficult is finding a place to live, which is not depicted in the happy stories shown on television.

“The big question is, where are you going to park it?” he said.

Some areas of the country are more accepting, such as rural areas. Other parts will not allow tiny homes, which often leads owners to “live under the radar,” not acquiring the necessary housing permits and other paperwork, Louche said.

Using space in unique ways, tiny homes are often compared to recreational vehicles.

“We take the ingenuity of the RV industry and combine it with the quality of the home-building industry,” with high-quality materials and better insulation, Louche said.

A word of caution: Tiny homes are not for everyone.

“If you aren’t happy with your spouse in your current house, you won’t be happy with them in a tiny house,” Louche said.

Are You House Hunting On tHe RigHt Site?

By Illiana Luna

House hunting doesn’t have to consist of several opened tabs on your screen; instead, searching for the right home on a housing database makes it easier and accessible to search for the perfect home.

Real estate agencies can offer services in home buying and home selling and provide housing websites as well.

Realtor, Robert De La Garza shares when looking for a house, it’s best to use home searching sites.

“A lot of people always look through Zillow, Redfin or Trulia to look for homes but a lot of the times that is outdated,” said De La Garza.

Many housing sites consist of buying, selling and financing residential homes but are not often bulleted with main attractions. The real estate company provides up-to-date photos, year built and schools nearby for family living.

“Our website is updated every fifteen minutes and have served clients from Rio Grande City to Santa Rosa,” said De La Garza.

He also shares what is an ideal credit score for first-time homebuyers.

“[Buyers] should keep their credit score in mind because that’s everything,” he said. “Credit above 580 and two years worth of tax returns are the basic financial needs when looking for a house or getting qualified.”

Essentials

to Build a Home Office

(StatePoint) Want to maximize your productivity when working in your home office? Here are five essentials to build out the space:

• A SoLId CHAIr: Don’t shortchange yourself with the wrong chair. It’s the basis of your comfort, which is critical for putting in the hours needed for success. Look for an ergonomic desk chair offering low-back support and the ability to adjust height, seatback and arms so you can customize it for your needs. Space-permitting, you may even add a small couch or armchair to use for inspiration breaks or as an auxiliary workstation for when using a laptop.

• A ConvErtIBLE dESk: Standing desks are all the rage these days and with good reason. Studies show that it’s healthy to stand more and sit less. For a modest price, an add-on can be applied to your current desk that allows you to transition to standing as needed.

• orgAnIzAtIonAL tooLS: Use tools and supplies needed to have all your ducks in a row when it comes time visit your accountant. Small business owners and freelancers can especially benefit from a printing calculator such as the Casio HR-100TMPlus, which is made to rest on a desk. This particular model has a big easy-to-read display and two-color printing. You’ll also want to have a stapler and filing cabinet handy so that after printing records, you can collate and file documents away in an organized fashion, keeping your surfaces and workspaces clutter-free.

• tHE rIgHt LIgHtIng: Nothing beats natural light, so if it all possible, situate your desk near a window that offers ample sun. Harsh lighting can be de-motivating but task lighting is essential. Look for options that offer various brightness settings so you can adjust throughout the day.

• dAtA ProtECtIon: While a paper shredder and locking filing cabinet will protect potentially sensitive physical records, you’ll also want to invest in some electronic data protection. Many services offer lower rates to small businesses that include comprehensive protection services. While this can seem like a dubious expense, it is well worth the cost. Just be sure to research your options and stick with a reputable company for your cybersecurity needs.

Whether you’re starting a business from scratch or simply want to update your existing home office, selecting the tools and furniture will improve your workflow and help you stay better organized.

David Batot

The term waterfront conjures up visions of sparkling sunsets, wildlife viewing, relaxing vistas, fishing, and fun on the water. The word Resaca is derived from the words rio seca or dry river. There are many resacas in the Lower Rio Grande valley of South Texas; they meander through San Benito, Los Fresnos, Brownsville, Bayview, Rancho Viejo, and Russell Town. The resacas have many names, Resaca de los Fresnos, Resaca de los Cuates, and Resaca de la Palma, are just a few

Resacas and Your

of the resacas in the lower Valley. These oxbow lakes are remnants of the Rio Grande river delta and were formed thousands of years ago. The Rio Grande River boundary is permanent now, as it forms the boundary between the United States and Mexico.

Sadly, many people have drowned in the Valley’s resacas throughout the years; unwitting bathers or boaters have lost their lives to the murky resaca waters. The water in the resacas does not flow as a river does, so there is little concern of rising water from a flood or people

or animals being swept away in swift currents. There are spillways at the end of these waterways, which control the water depth along the entire length of these resacas. Alligators inhabit most all of the resacas throughout the area but seldom cause problems for humans or domestic animals. The benefits of living near a resaca far outweigh the risks or dangers of living along or near the water.

Resaca ownership varies

with the local water Districts who utilize the water from these resacas for irrigation throughout the Valley. Homeowners in Rancho Viejo own the property to the middle of the Resaca, whereas resaca front homeowners in San Benito yield 50 feet of land beginning at water’s edge to Cameron County Irrigation District. The City of San Benito gets its drinking water from the local Resaca de los Fresnos, which in turn gets its

Property Line

water supply pumped in from the Rio Grande River. Be sure to check the survey if you plan to purchase a Resaca front lot to verify the lot line. The managing district maintains the Resaca, so if you fence your property to the water’s edge, you may, in some cases have to open your fence to allow the water district access for their maintenance equipment. Few homeowners fence off their Resaca frontage view, as it greatly enhances the value of

the property.

Wildlife abounds along the banks of the resacas. Local birds and mammals call the Resacas home. Birds found only in extreme South Texas, such as the chachalaca, green jay, and Altamira oriole, call the brush along the resacas home. Nutria, raccoon, beaver, opossum, manage to make a living along the shores hunting for fish, frogs, crayfish, and freshwater prawn. These animals are seldom seen and

rarely cause problems, as they are mostly nocturnal in nature. Beavers can make a nuisance of themselves if they take a liking to one of your trees near the water’s edge. However, they can be successfully removed with a live trap and relocated. Both the red-eared slider and the softshell turtles make the water their home. Bass, alligator gar, sun perch and shad are but a few of the fish species that can be found in the resacas. Mosquitoes are seldom a problem along the Resacas because the Gambusia affinnis or mosquito fish is a common resident in

all resacas. This tiny minnow keeps the mosquito larvae numbers under control.

A waterfront resaca lot in the Rio Grande Valley will invariably cost more than a lot in the same subdivision that is not located on the water, so one can expect to pay a little more to the taxman simply because the value of the property is more for a waterfront lot.

So, yes, living or on or near a resaca in South Texas has many advantages and few disadvantages.

By Melissa Erickson More Content Now

If your small living room seems cramped, try some of these tips.

kILL tHE CLuttEr

“Clutter in a small space is the first thing you should remedy,” said Celine Coudert, a licensed real estate saleswoman at Warburg Realty, New York. “The shells you’ve been collecting with grandma since you were 1 must be placed in storage.”

Then, “a pièce de résistance like a green velvet sofa and cool lamps can add some pizzazz to the most minuscule of spaces. Adding a fun wallpaper can add dimension and, of course, make you smile.”

EMPHASIzE tHE vErtICAL

“Living rooms that lack floor space can feel larger if you accentuate the vertical planes,” said Lanna Ali-Hassan, co-owner of Beyond the Box Interiors in the Washington, D.C., area. “This can be done with paint treatments, tall bookshelves or even window treatments that are hung well above the trim. Your eye will follow the vertical elements in the room, making the space feel more expansive.”

gEt LEggy

Furniture pieces that show a little leg also maximize space and light. They allow the eye to see all available floor space, unlike heavy, chunky pieces that sit directly on the floor, Ali-Hassan said.

go LIgHt or CLEAr

“My favorite tip for making a small living room seem larger is to stay away from dark, heavy woods, and use light-colored or glass furnishings that don’t take up a lot of visual space,” said Jewell Staley, founder and CEO of Grande Properties, a luxury home staging, interior design and renovation expert.

Glass furniture and accent pieces help fool the eye to make a room look bigger.

“I’m a huge fan of glass-topped tables because they don’t block off any of that precious floor space,” said Domingo Perez Jr., a licensed real estate salesman at Warburg Realty.

AvoId BuLky furnIturE

“Using light, airy, modern and sleek furnishings will absolutely help make any room appear larger,” said Jeremy Kamm, a licensed real estate salesman at Warburg. “I find that it’s best to go with white and neutral furniture and use throw pillows and art to pop some color and bring character to the space.”

LEt It fLoW

“When styling a small living room we always get rid of the coffee table and add side tables to create an unobstructed flow,” said Shawn Wilson, a licensed real estate salesman with the Martin Eiden Team at Compass in New York City. “We add floor lamps to brighten the space, which makes it feel bigger. And we make sure there is art on the walls, which provides a focus point for the eyes. Blank walls can make any space appear smaller.”

MAkE It MuLtIPurPoSE

“Have your furniture perform double duty: Coffee tables that can also store your board games, side tables with room at the bottom to also place books and ottomans that have storage for throw blankets are all excellent ideas that maximize function while not cluttering your small space with excess furniture pieces,” AliHassan said.

Could You Pay Your Mortgage on One Income?

Here’s What to Know

(StatePoint) For many people, getting married and buying a house is still part of the American Dream. That’s reflected in the numbers. The homeownership rate among married couples in the U.S. is 80 percent, according to recent data reported by Statista. But what if something were to happen to you or your spouse? Would the person left behind still be able to afford the mortgage?

In today’s world of dual-income families, the answer could easily be “no,” which would make a sad situation even worse. Not only could a family lose their home, but a disruptive move could also mean that children would have to change schools and leave friends behind.

One way to protect against this scenario is with a life insurance policy, which can be used to pay off a mortgage so that the surviving spouse and family members can enjoy the home they love and have stability at a critical time in their lives.

There are generally two types of life insurance: permanent life insurance and term life insurance. Both provide financial resources to help take care of loved ones, but there are some important differences to consider.

Permanent life insurance can last for a person’s entire life. Term life insurance, by contrast, is offered for a limited period of time, such as 10-, 20- or 30-year

periods. It’s generally more affordable and you can choose the duration based on your circumstances. For example, if you still have 20 years left to pay on your mortgage, you might want to purchase a 20-year plan, so you know your family would be able to keep making payments, or even pay off the house early, in the event that something happened to you.

The death benefit from both permanent and term life insurance can also provide help for expenses related to maintaining the home, as well as other daily living expenses like food, medical care, utilities, car payments or even a child’s future college tuition.

“People often think about getting life insurance after they buy a house, because they wouldn’t want their family to risk losing their home if something were to happen to them,” said Lou Colaizzo, senior vice president of Life, Erie Insurance. “But life insurance can provide even more than that. It can help replace a spouse’s lost income -- essentially, it can protect the family’s standard of living.”

Colaizzo says the amount of life insurance needed depends on several factors, including a person’s salary and the number of years to retirement. Experts recommend talking with an insurance agent to ensure you have the right coverage based on your individual circumstances and to make sure your family -- and their ability to keep their home -- are protected.

PHOTO SOURCE: (c) viafilms / iStock via Getty Images Plus

Can You Forgo a Home Inspection and Should You?

The term “caveat emptor” is a Latin phrase meaning, “let the buyer beware”, and meaning that it is up to the buyer to do his due diligence in inspecting a property before making a purchase. Just plain common sense dictates that if you are making what is most likely the biggest purchase of your life, that you have that property inspected for any possible defects. The cost of an inspection is just pennies on the dollar compared to what a major system repair might cost.

Your mortgage lender or anyone else for that matter usually does not require a home inspection. Nevertheless, a good rule of thumb is, if you are buying a house that is older than one

David Batot

year, inspect it. Most General Contractors do warrant their work for a year from the date of the Certificate of Occupancy. Even then, refer to the last sentence in paragraph one. Most residential appliances carry a one-year parts and labor warranty so the GC is covered for appliances such as water heaters, air conditioning units, stoves, and refrigerators. If the house you are interested in is older than a year, these systems need to be inspected by a TREC (Texas Real Estate Commission) licensed Real Estate Inspector. Electrical, plumbing, air conditioning, and structural systems are the bigticket items that cost the most to repair or replace and are all covered within the scope of an inspection. Anything in the building envelope that requires regular maintenance should be thoroughly inspected as well. Do not rely on your friend, the do it your selfer, to make the inspection. This can ruin the purchase for everyone.

Your lender nearly always requires termite inspections before they will sign off on a loan for the property. However if you are paying cash for a home, then you can forgo the termite inspection as well. However, not inspecting for termites is a BAD idea. The presence of termites can go undetected for years, and the damage that they can inflict on a property can be catastrophic. So before you sink your hard-earned money into that dream home, have a licensed termite inspector check it out from stem to stern.

Unimproved lots may require more attention than one might imagine. Always check the zoning ordinances where the lot is located. Verification of any utilities such as electrical, sewer, and water is essential, as these items can be very costly to bring to the site. If sanitary sewer is not available, a septic system may be required. Lot size requirements will dictate whether there is enough real estate for a septic system.

Contesting the home inspection is the buyer’s prerogative; however, both parties can usually come to a mutual agreement to remedy the most costly problems brought to light by the inspection. If things cannot be rectified, then consider your money well spent, and move on to the next house on your list.

Tax Base

By Illiana Luna

Tax base can differ depending on where someone lives: there's nearby entities, owned properties and businesses that can affect tax base.

Tax base is the total amount of assets or revenue that a government can tax. Cameron County’s tax office, located in La Feria, TX covers 52 cities in the Rio Grande Valley. Major attraction cities include: Port Isabel, South Padre Island, Harlingen, Brownsville, Boca Chica and Arroyo to name a few.

“Depending on where you live, it can be an entity of a city or school, Cameron County will tax you for the [property] amounts,” said Jessica, tax office clerk.

The following reasons depend on how tax base is determined: Depending on where the resident lives. Determining which entities get taxed by the appraisal district and

how much value the property is.

Applying for discounts by the owner (e.g., Homestead).

Entities include school districts, individuals, corporations and businesses called“taxable entities”.

“[Cameron County’s Tax Office] taxes a certain percentage of that property,” said Jessica.

From there, the appraisal district will determine how much a property is worth and if the owner qualifies for a discount. The owner can arrange and/or negotiate a different tax base with the appraiser depending on the status of the home, (e.g., age of the house, maintenance, land, etc.). The final percentage given by the appraisal district will then be collected from the county’s tax office.

for more information visit the following links at: http://www. cameroncad.org/2019 TaxRates.html https://investinganswers. com/dictionary/t/tax-base

SIT in STYLE

a swing chair can add a bit of fun, relaxation outdoors or in

By Melissa Erickson More Content Now

Why sit still when you can swing, swivel and sway? A swing chair is more than just a stylish hangout or a place to relax and unwind. It’s also a focal point and conversation starter.

If your design style moves more toward a bit of eye-catching fun, a swing chair might be the right choice for your home.

Sika Design Hanging Egg Chair

sikadesignusa.com

Moze Indoor Swing Chair

Pier1 Natural Macrame Saucer Swing

$3,375

The iconic hanging egg chair was created by a Dutch designer in 1959 sculpted with rattan and Scandanvian flair. Other egg chairs had come before, but this groundbreaking design was meant to be hung from the rafters. Sika Design is still creating new hanging egg chairs based on Nanna Ditzel’s original design made with sustainable, durable rattan. There’s also an outdoor version that’s a bit less pricey.

Cb2.com

$1,299

Perfect for a child’s room or a parent relaxing with a book, the Moze Swing Chair by goop is a CB2 exclusive. Handwo ven navy and white rope is intertwined on metal frame with brown leather rope accents, topped off with a navy velvet cushion. This fresh, fun swing makes for an eclectic room accent.

Pier1.com $139.99

It’s easy living with this saucer swing made of hand crafted natural rope knotted together in a laid-back macrame style. available in natural, pink, turquoise or navy. With a sturdy, wrought- iron frame, this swing is good for both indoor and outdoor use. Plus, it’s a bar gain compared to other swing chairs.

Flooring price

comparison

By Laura firszt More Content Now

How much should you pay for a new floor? And how do different materials stack up, in terms of flooring price, installation and best use? to accurately compare flooring price, check out this detailed cost guide.

vinyl

Vinyl tile flooring is very affordable and easy to install — ideal for DIY. Groutable vinyl tile adds a special touch to your floor.

While sheet vinyl flooring installation is more complex (because the sheet must be cut to your room’s exact measurements and layout), it offers all the other advantages of vinyl tiles: moisture resistance, low maintenance and a wide assortment of styles.

BESt uSE: Kitchen, bathroom AvErAgE PrICE PEr SquArE foot: Materials

$1-3; pro installation $1-2.

Linoleum

Don’t confuse linoleum with vinyl. Linoleum flooring is a natural eco-friendly product, manufactured of linseed oil (hence the name), wood or cork dust, pine rosin, and mineral filler. More durable than vinyl, linoleum is higher-maintenance and benefits from occasional waxing and yearly application of a protective coating.

BESt uSE: Bathroom, kitchen, playroom, laundry

AvErAgE PrICE PEr SquArE foot: Materials and installation $4 for sheet linoleum, $5 for linoleum tiles.

BI g STOCK

Hardwood

Natural hardwood floors have a rich beauty that increases with age. Although hardwood is susceptible to water damage and staining, wiping spills immediately helps protect your floor. Badly worn hardwood flooring may be sanded down and refinished 5-10 times over the course of its life.

BESt uSE: Living room, bedrooms. Durable species are great for high-traffic areas like foyers.

AvErAgE PrICE PEr SquArE foot: Depends on which material you choose, from American-grown pine (technically a softwood) at $1.50-$4.00 per square foot, up to exotic hardwoods such as tigerwood or Santos mahogany, whose costs tend to start at $9+ per square foot. Pro installation ranges from $2-$8 per square foot, based on plank width and whether the wood is prefinished.

Laminate

Laminate planks imitate the look of hardwood at a lower price. If installed as a floating floor, they’re simple for do-it-yourselfers to work with. Be sure to mix planks from several cartons to vary patterning.

While laminate floors resist scratching or sun fading, they’re not moisture-proof and can’t be sanded to remove stains or signs of wear. However, individual planks may be replaced if damaged. Some homeowners feel that laminate does not have the luxurious appearance of real hardwood floors.

BESt uSE: Bedroom, living room

AvErAgE PrICE PEr SquArE foot: Materials $1-6; pro installation $1-5

Concrete

Trendy concrete flooring is available in an amazing array of colors and concrete finishes. Concrete floors are low-maintenance if properly sealed; however, they are considered one of the least ecofriendly options. Concrete flooring above grade may require special reinforcement.

BESt uSE: Basement, outdoor living space, kitchen, bathroom, anywhere underfloor heating will be installed

AvErAgE PrICE PEr SquArE foot: Materials and pro installation total $2-$6 for a simple polished concrete floor up to $8$15 for complex artistic designs and colorations.

Carpet

Carpeting keeps your rooms cozier, cushions floors and reduces noise. However, it can have an adverse effect on indoor air quality, so use caution if household members are allergy-prone; choose low pile and vacuum frequently with an HEPA filter.

BESt uSE: Open plan rooms, chilly areas, staircases

AvErAgE PrICE PEr SquArE foot: Materials: from $1-$3 for polyester or olefin up to $4-$20 for wool. Pro installation: $.50-$1, more for labor-intensive projects like carpeting stairs.

Ceramic, porcelain, or stone tile

Ceramic, porcelain, and stone tile are long-lasting, easy-care, moisture-resistant flooring solutions. They do not trap allergens or offgas VOCs. Choose from a huge selection of attractive designs and sizes from 4x4-inches to 16x16-inches.

The major disadvantage with tile is that it’s somewhat complicated to install, particularly if you select an intricate design. Stone tile installation is especially difficult due to its heavy weight.

BESt uSE: Bathroom, kitchen

AvErAgE PrICE PEr SquArE foot: Materials $5-$15 for ceramic or $7-$20 for stone. Pro installation $6-$8 for ceramic, plus approximately ten percent more for stone tiles.

Should You Buy or Build a House?

What First-Time Home Buyers Should Keep In Mind

By Illiana Luna

The thought of buying a house can seem overwhelming. There’s credit scores, mortgages, property and the comfort of living to think about. Big Realty is a full service real estate agency located in McAllen, TX. The company acts as builders, developers, and consultants for landowners, business developments and commercial building as well as a listing agency.

Big Realty guides first-time home buyers through a step-by-step process ensuring the purchase of a home fits within the clients’ budget.

“We look at finances in the sense of ‘is it even feasible for [the buyer] to build a house?’, said Joshua Brown, Big Realty realtor. “We don’t want to oversale our clients. We give advice to them based on what they’re able to afford between a certain price range and how they want to go about it as well.”

first-time home buyers should keep the following in mind:

• See if you’re pre-qualified under your local finance agency

• Typically can qualify under HFA, (housing finance agency) a federal loan in which 3.5% of the house’s value is put down

• Don’t just go house hunting, have a number in mind you’re able to afford

• Inspect the house completely before making an offer with loan officer(s)

• If considering the house, make an offer within your fixed budget

• Prepare to have some cash on hand to close the cost

Big Realty works with investors from small to large houses and apartment complexes. The real estate agency has an architectural firm for “on-hand” designs when consulting with clients who want to build.

“We work with an on-hand architectural firm used to design the best layout for the property,” said Brown. “Everything is backed by research to make sure the best decision of the investors is met.”

The cost of buying an existing home and building a custom home is most likely to remain the same shares Brown.

“It’s actually a competition between buying a current house or building a house because the cost are just about the same. A lot of the time our clients will go towards new buildings, new constructions and some with more of a budget will go with an existing home but it all depends on their situation.” things to keep in mind if custom building a home:

• Double closing and double costs

• Extra mortgage fees

Big Realty is one of the Valley’s top three real estate brokers with

link: https://www.

Calculate Square Footage For Home Improvement Projects

What’s the most valuable home improvement skill? Learning to calculate square footage ranks right up there. Accurate measurements mean you’ll buy the correct amount of supplies and get your project done right. Find out just how simple it is.

What is square footage?

Also known as area, square footage is the two-dimensional measurement of a flat surface. In home improvement terms, this measurement is essential for accurately figuring quantities of material you’ll need. (For specific materials, watch for my upcoming guide “Building materials: How much to buy?”)

To make things even simpler, check out this construction square footage calculator from Omni Calculator. It does the math for you - even if you have to calculate the square footage of multiple surfaces. Very handy when, say, you plan to paint the walls of a room.

Popular projects where you need to calculate square footage

- Remodeling and construction - house addition, shed

• Flooring - hardwood, laminate, vinyl, etc.

• Heating and cooling - insulation

• Landscaping - garden beds, container gardens, fishpond

• Painting - walls, ceiling, accent wall, shelving

• Tile - backsplash, floor, patio

Home improvement measurement guide

1 square foot = 144 sq. inches

1 square foot = 0.1111 sq. yard

1 square foot = 0.0929 square meter (Important for ordering materials from abroad. To easily convert from square meters to square feet, use this ballpark figure: 1 square meter = roughly 10 sq ft.)

Cubic footage = length x width x depth. (Some home improvement materials, for example topsoil, are sold according to cubic footage; AKA volume, cubic footage is a three dimensional measurement.)

Gross square footage: When you sell a home, your real estate broker will calculate its square footage according to its exterior measurements (minus any unheated spaces, like an unfinished basement).

good questions

1. How do I calculate square footage when my measurements include inches?

Convert inches to a percentage of a foot. (This Imperial/US length calculator will help.) For instance, 6 inches is 0.5 foot.

2. What’s the difference between a square foot, linear foot and board foot?

A square foot is a two-dimensional measurement, as explained above. To illustrate, if you want to order a kitchen countertop 6 feet long X 2 feet, calculate its square footage by multiplying these numbers, for a result of 12 square ft.

A linear foot (AKA lineal foot or running foot) is a one-dimensional measurement. Taking that same kitchen countertop example, if you want a beveled edge along the length, it will come to 6 linear feet.

A board foot is a three-dimensional measurement. Construction lumber is supplied by the board foot, which is 1 foot (12 inches) x 1 foot (12 inches) x 1 inch, for a volume of 144 inches.

3. Will I need a permit to build a shed, install a concrete slab, etc.?

The answer often depends on the planned square footage of your project. Consult your local building authority for specifications in your region.

4. Will adding to my home’s square footage increase my property tax?

When you hire a contractor for a home addition or other remodel (as opposed to simply redecorating), a property tax hike is likely. However, generally your state government will assess based on the dollar increase in your home’s value, rather than the new square footage.

5. When do I need to calculate cubic footage vs. square footage?

You’ll need to calculate square footage (area) for two-dimensional projects such as installing a new floor.

Calculate cubic footage (volume) for 3D projects like ordering soil for a container garden or figuring how much hot water that new soaking tub will use. (By the way, 1 cubic foot of liquid = 7.48 US gallons.)

Laura Firszt writes for networx.com. Calculate square footage

Square footage = length (or height, for vertical surfaces) x width. That’s the basic formula to calculate square footage. Simple, right? Examples: Square footage of a floor 15 feet long and 10 feet wide = 15 times 10, or 150 square feet. Square footage of a wall 8 feet high and 12 feet wide = 8 x 12, or 96 square feet.

Light a Fire

It may be the most primitive technology in existence but lighting a fire is still one of the best ways to create a rich holiday atmosphere. Bonus: use aromatic firewood such as pine, fir or cedar.

Project a Movie

Decorating for the holiday season can be as easy as setting up a projector and playing seasonal movies on a loop. From classics like “Miracle on 34th Street” to contemporary favorites like “Elf,” these films provide the perfect backdrop to the holiday

Tips for a Merry

season. With the ability to run all day, the LampFree Projectors in Casio’s Slim Series are ideal for this purpose.

Bake Cookies

Make the whole house smell amazing (and become everyone’s favorite person) by popping cookies and other desserts in the oven that include spices evocative of the season, like nutmeg, cloves, cinnamon and vanilla. For a lighter option, you can get the same effect by brewing tea with these same ingredients

A merry holiday season starts at to add cheer to the rooms and

Merry Holiday Home

home. Here are some nice ways spaces where people gather.

Host a Sing-a Long

Securing yourself a digital piano with an authentic concert grand sound may just be the best gift you give your family this holiday season. The Casio GP-500 reproduces the three-dimensional sound field generated by an acoustic grand to fill a room with rich, complex sound, making it a great place to gather for holiday sing-a-longs. The piano itself can also be a decoration destination -- think garlands and candles. Be sure to set out sheet music and other instruments like tambourines

or bells so that guests can join in the fun.

Add Flora

Spruce up your living spaces –literally. Holly, Christmas cactus, poinsettias and spruce add color and vibrancy to mantels, staircases, coffee tables and other nooks and crannies. What’s more, many of these plants will continue to thrive long after the lights and tinsel come down.

The holidays come but once a year. Make the most of the season by turning your home into a winter wonderland.

What to Know Before Replacing Home Windows

Energy Efficiency

Energy-efficient windows can keep utility bills in-check while helping manage climate control. Seek out the ENERGY STAR label, which indicates a product is energy efficient according to standards from the U.S. Environmental Protection Agency and the Department of Energy.

Numbers don’t lie so be sure to also check the National Fenestration Rating Council Label to compare performance between energy-efficient windows in the following categories: U-Factor (how well

the window retains heat), Solar Heat Gain Coefficient (how well it resists unwanted heat gain), Visible Transmittance (how well it lets in natural light), Air Infiltration (how drafty the window is), and Condensation Resistance (how well it resists inside surface condensation).

Test Specifications:

All windows on the market are tested for their structural integrity, as well as their resistance to air and water. Investigating these ratings is important, particularly in regions that see wicked weather.

Insulation:

For maximum energy efficiency and comfort, look for new technologies such as Neopor insulation and INNERGY thermal reinforcements that deliver highperformance and meet ENERGY STAR certification standards. Windows offered by ProVia, for example, include these features and are tested against the most stringent requirements for air and water infiltration, wind load resistance, ease of operation, forced entry and more.

As with any home upgrade, a little research can help ensure a top-quality installation with the best materials on the market. Here are the most important factors to consider before purchasing replacement windows

Material:

Windows are available in such materials as vinyl, wood, aluminum and fiberglass. Understanding the benefits of each can help you arrive at the right decision for your home, priorities and budget, and new options even mix materials, combining different advantages into one product.

Warranty Availability:

Replacement Windows can cost thousands of dollars and should last a long time, so consider protecting your investment by opting for windows that come with a comprehensive lifetime warranty that’s transferrable to the next homeowner. This can potentially increase your home’s value should you put it on the market.

Style:

The style of your new windows can complement the architectural features of your home, provide visual interest and boost curb appeal. Using online design resources and visualizer tools can help you see how particular hardware finishes, colors, add-ons, finishing options and accessories will look on your home.

Recognition:

Third-party recognition for a particular brand or product is a strong indicator that you’re investing in a quality product. A recent “Remodeling” magazine survey of remodeling contractors ranked ProVia vinyl windows as number one in window quality, citing its unique ability to customize as needed, its personalized customer service, strong warranties and mix of state-of-the-art manufacturing equipment and human craftsmanship. Lastly, the brand was recognized for strong attention to detail, as it follows an 80-plus item checklist for quality control. More information can be found at provia.com/windows.

Before upgrading, get savvy. Doing so can help you make a decision that will improve your home’s beauty, keep your family comfortable and safe and save you money.

The

A guide to affordable home improvement

(BPT) - The holy grail of home improvement is a project that makes a big difference to the appearance or value of the home without breaking the bank. The key is to focus on low-cost, quality items that will give the most bang for your buck. Here are five to consider:

New bathroom countertop

Bathroom remodels still provide some of the best return on investment for home improvement projects, but can also be some of the most expensive. If you can’t afford a full bathroom overhaul, opt for one high-impact update. Replace that outdated laminate vanity countertop with a stone version to bring an immediate touch of class to the bathroom. This update can be completed quickly and, for homeowners with a little plumbing knowledge, could even be a DIY project.

Refinish kitchen cabinets

According to Home Advisor, replacing kitchen cabinets in a typical 10-by-10 kitchen costs an average $4,000$13,000. For homeowners not able to make that type of investment, refinishing existing cabinets can provide a dramatic upgrade at a fraction of the cost. Homeowners can start by removing all cabinet doors and hardware, keeping all hardware together in a bag in case it’s needed later. Cabinets with a glossy finish should be sanded, either with blocks or a chemical product, then either stained (consider an espresso finish for a modern look) or painted. Adding new, brushed metal fixtures completes the look.

Affordable roof update

For the biggest ROI on an improvement, look outside. Remodeling Magazine’s 2019 Cost vs. Value Report revealed nine of the top 10 high-return remodeling projects were exterior replacement projects. Replacing a roof can sound overwhelming, but with some smart shopping can provide a major curb appeal boost on a budget.

A common misconception is that expensive products equal better products. While that can certainly be true, there are lots of examples where the most expensive option is not the best choice for every consumer. This is certainly true in large home improvement projects, where the costs can run high and the consequences for purchasing subpar materials can be

serious. But, homeowners can save money while protecting their investments by finding the low-cost leader in the product category: a product that provides the best quality for the price point.

“In many product segments there is a low-cost leader - a product or brand comparable in quality to more expensive brands, but offered at a lower cost to provide the best value per dollar,” says Rick Taylor, a longtime roofing contractor now working as a trainer for TAMKO Building Products, manufacturer of the low-cost leader Heritage shingle. “Home improvement isn’t the place to cut corners, but, if you buy smart, you can save money even on big exterior projects.”

New door and porch decor

A new entryway can add major curb appeal to any home, but can also come with a big price tag, especially if the front porch area is aesthetically weak and would require construction to build it out. To achieve a similar result at a fraction of the cost, replace the front door with a new, energy-efficient option with a strong design element. You may even consider painting it a bold color. Next, add a ready-made pergola around the entryway, or large concrete or sandstone pillars on either side of the door, available at most garden stores. Adding large, decorative plants to the top of the pillars, or around the doorway, can help define a dramatic entryway without ever pulling out a hammer.

Paint

Adding a fresh coat of paint is one of the most affordable ways to update many portions of the home. While time-consuming, the transformative properties of paint on a staircase, exterior shutters, interior walls or even a floor are legendary. Paint is another great opportunity to utilize the consumer trick of looking for the low-cost leader in the product category. Stay away from the cheapest paint as it may chip or require many coats to cover, and in the end, cost you even more money to fix. But, also avoid the highest-end paints, as you may be paying more for the brand name than the actual product. Look for the best quality option at the most affordable price point.

Easy, cheap ways to refresh your decor

By Melissa Erickson More Content Now

Remodeling a room can be expensive, but homeowners who want to refresh their aesthetic don’t need to blow their budget. Plenty of easy and inexpensive options exist.

Create a new layout

Rearranging furniture is free and absolutely can make a room look brand new, said Carmen Smith, who blogs on home decor, budget DIY and home renovation at LivingLetterHome. com.

“If something is on a wall, move it to a different wall. If it’s in the middle of a room, move it to a side or in a corner for a new look and feel,” she said. “We recently took our living room couches and turned them 90 degrees, and the space has a much better flow and feel and somehow feels more welcoming when someone comes in our front door.”

Don’t get stuck in a rut “Get rid of any old furniture you are not using or loving anymore,” said Renée Kuperman, a Realtor based in Miami Beach, Florida. “Furniture isn’t forever. Trends change, needs change and if you’re not using it, why keep it? Schedule a free donation pickup with a local charity such as Goodwill, Salvation Army or Habitat for Humanity.”

Color and space

Two of the easiest ways to update a home without spending big bucks are by playing with color and space, said John Monte, owner of Elegant Simplicity, an interior design and professional home organizing firm in Seattle.

“The easiest way to pack a punch on a budget is to paint or install wall coverings. Walls can instantaneously create a calm and inviting environment, and it is important to consider them when making changes,” he said.

A well-designed space can bring joy to a family, even if that means as little as moving a coffee table that people keep bumping into, Monte said. Think about how your family is interacting in the space.

“Updating doesn’t always have to be about buying new things. Sometimes as designers we’re reusing furnishings that clients already have as well as purchasing new items,” Monte said. “Truthfully though, how friends and family move — the path of foot traffic — is an excellent

way to update a home without breaking the bank.”

Don’t overlook lighting

“You can find inexpensive yet stylish light fixtures that will really give your space a facelift,” said interior designer Jenny Gericke, owner of Gather Home and Design in Stone Mountain, Georgia. “If you’re renting just keep the original fixture and swap it back when you move out. Chandeliers, ceiling lights, lamps and floor lamps are a great way to add personality to your space.”

Power up

Adding more USB power outlets is an easy reboot that will instantly update a home, Kuperman said: “USB outlets are such a friendly and modern touch to any home. Who doesn’t love USB outlets when you stay in hotels? Bring that feeling home.”

Less is more

“Taking things away is one of my favorite ways to make something feel fresh and new,” said Smith.

If you normally have books, plants or other random decor on shelves, try taking a couple things off for a brand new feel.

“In much of my decor I love the idea that less really is more. Especially with little ones around; it’s way less things for tiny, nosy hands to get into,” she said.

Spice it up

Use textiles like pillows and throws to add color and texture.

“For fall, think dark and bold. Deep hues of green, mustard or even a deep shade of peacock blue can bring color but are also neutral enough so that you can mix in other colors or match them to other pieces of furniture or decor,” Smith said.

Freshen up

Adding new caulk in the bathroom, refinishing wood floors or painting doors and trim can make a home shine like new, Kuperman said.

What to Know

Composite roofing can provide decades of beauty and protection for the home.

Before Replacing Your Roof

(StatePoint) Not only does your roof need to withstand the elements over the years, it needs to look great while doing it. If it’s time to replace your roof, experts say that there are some important things to consider, particularly when it comes to the materials you select.

If you’ve started the research process, you’ve likely investigated asphalt, which is by far the most popular choice of roofing material. This is because it’s lightweight; inexpensive and fast to install, and because many people believe that asphalt will help them avoid the durability problems experienced with natural alternatives like slate and real shake. Ironically, asphalt does not always stand the test of time as one might hope. Experts point out that many homeowners are left disappointed when their decision to prioritize function over form doesn’t go as planned.

“Do a search for asphalt roofing, and you may see more complaints than satisfied customers,” says Michael Cobb, general manager, DaVinci Roofscapes. “These days, not all asphalt is the same, and due to some

new blends in asphalt manufacturing on the market, many roofs are failing well before their warranties.”

If you’d rather not take a chance on your home roofing’s durability, and curb appeal is of importance to you, Cobb says that composite tiles can offer a cost-effective alternative to asphalt. It can also, provide a more aesthetically appealing look, stand up better to Mother Nature, and help increase the value of your home.

“There’s no denying the beauty of natural slate and shake, but that beauty can be fleeting,” says Cobb. “Natural slate is susceptible to damage caused by freeze and thaw cycles, and when it comes to natural shake, rotting, cracking and curling is inevitable.”

To get the look of natural materials and have it last, take a look at durable composite roofing options on the market today. For example, the Bellaforté slate and shake tiles offered by DaVinci have a long life and are low maintenance. They resist hail, impact, decay and fire, while offering the beauty of natural roofing

materials. Staggered edges, color variations and dramatic shadows of the brand’s polymer shake tiles contribute to their beauty, and mimic the appearance of natural shake.

One more important thing to consider is the quality of warranty that accompanies the product you select. Before replacing your roof, be sure that your new roof is backed by a limited lifetime warranty. This can save you headaches and expenses down the line. And, check with your insurance company. A new composite roof may be able to save you on homeowner insurance premiums since it is impact- and fire-resistant.

For more roofing tips, curb appeal ideas and visualizer tools, visit davinciroofscapes.com.

When it comes to curb appeal, the importance of a beautiful roof can’t be overstated. But a new roof should do more than appeal to the eye. It should protect your family, and the rest of your house, providing peace of mind for years to come.

fact or fiction? 5 myths about metal roofing

(BPT) - Asphalt shingles may be the most popular roofing in the U.S. by volume, but metal roofing is gaining in popularity for its durability, longevity and low-maintenance benefits. Still, many people unfamiliar with the product have misconceptions about this quality roofing option.

Myth #1: Metal roofs are loud

One of the biggest misconceptions of metal roofs is that they are loud during a rainstorm and unbearable during severe weather, making sounds like repeatedly dropping objects on tin. In reality, residential metal roofs are fastened to the roof deck, not open rafters. Metal roofs can be applied over multiple layers of old asphalt shingles, so the sound insulation between the metal shingles and your ears could reduce the noise to potentially less than more traditional forms of roofing.

Myth #2: Metal roofs attract lightning

The Metal Construction Association has released several technical bulletins outlining research that shows metal roofs are no more likely to be struck by lightning than other types of roofing. The factors that do affect lightning strikes include topography of the surrounding area, the height and size of the building and the frequency and severity of storms in the area.

“Research shows that the material used in roof construction does not influence the risk of a lightning strike,” says Karl Hielscher, MCA’s executive director, in a press release. “In fact, the presence of a metal roof really shouldn’t statistically increase or decrease the chances of a lightning strike. There are many other factors that influence the actual chance of a lightning strike.”

Myth #3: Metal roofs are ugly

Metal roofs have traditionally been associated with industrial buildings or outbuildings like sheds and barns. But as metal roofing’s popularity has grown, so has the technology to make it an excellent choice for residential structures. Manufacturers have gone from standing seam metal roofs to creating metal shingles in a variety of colors that would make an attractive covering for any home. Some metal shingles are stamped and shaped to look like other types of roofing, like wood shake, stone slate and clay tile, such as the MetalWorks steel shingle produced by major roofing manufacturer TAMKO Building Products.

Myth #4: Metal roofs can’t handle hail

Metal roofs are actually among the most resilient roofing options when it comes to hail. Many metal shingles are rated Class 4 for Impact Resistance by the UL testing group. The Metal Roofing Alliance (MRA) reported that studies conducted by the Insurance Institute for Business & Home Safety (IBHS) acknowledged that all roof types can sustain some cosmetic damage depending on hailstorm severity, but “metal roofing performed best and was much less likely to puncture as compared to asphalt, withstanding even golf ball-sized hail stones without compromising performance.”

Metal roofs also stand up well to other types of extreme weather. Metal shingles are often rated to withstand winds of over 100 miles per hour, and are rated for fire resistance.

Myth #5: Metal roofs aren’t energy efficient

Because metal in other uses is a good conductor of heat and cold, some homeowners are concerned a metal roof will cause their homes to be colder during winter and hotter in the summer. Besides the comfort factor, the increased utility costs associated with that misconception cause major concern. The reality is, according to the MRA, metal roofing boasts some of the best energy efficiency among roofing options. State Farm Insurance Company reported that metal roofs reflect solar radiant heat, which can reduce cooling costs by 10-15 percent.

“Unlike asphalt shingles, the secret to metal roofing’s energy efficiency is its highly-reflective surface, regardless of color,” said Rick Taylor, a longtime roofing contractor now working as TAMKO’s field sales training manager. “This means, in our case, all of the MetalWorks colors are ENERGY STARcertified and are rated by the Cool Roof Rating Council - even the darkest color options.”

The Metal Roofing Alliance reports that metal roofs also provide excellent insulation in the winter, and estimates that choosing metal could save up to 40% in energy costs for a home during the year. The Metal Construction Association also said metal roofs are considered a product of choice for snowy areas because of their superior response and tolerance to that environment.