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Entry bubble Remodeling: Do It Yourself or Contract It Out

By: Ginger | February 27, 2009 | Category: Home and Family

Before I get into my topic, I want to thank the folks who read my blog about the “shower/toilet brush incident” and expressed their concerns by sending 57 toilet brushes, 92 bottles of shower gel, and 131 shower brushes.  Kidding! Instead, I got a bunch of bad puns and some razzing from my co-workers.   I did get a bottle of shower gel and a new shower brush from a concerned co-worker which will come in handy when our bathroom renovation is completed.

Person about to hammer a nailWe are giving our 70’s bathroom a facelift.  Normally, my husband and I are “do-it-yourselfers.”  Over the years we have done quite a few renovation projects.  Because we are already working on a kitchen project for my husband’s mother, we decided to contract out the work this time for our bathroom.

When considering doing-it-yourself home improvements versus contracting out there is a lot to think about.  The labor portion of any project is the most costly aspect. By doing home renovations yourself, you can potentially save a lot of money, but don’t forget to figure in the cost of tools and other supplies you may need to purchase.  If you make mistakes during the project, they are on you to fix and it may cost you more than you planned.

The outcome of a project depends a lot on the amount of skill that went into the work.  If you don’t have the correct skills or tools, you may end up with work that is less than satisfactory.  My tip for building your renovation skills: find people with professional-level skills (friends of friends willing to barter or work small projects for extra cash) who are willing to let you work along side them as they teach you.  You can use those skills in future projects.  

Working with a contractor may require a lot of schedule juggling, and nothing is more frustrating than taking time off from work only to have the scheduled contractor not show up.  The down side to doing the work yourself is that it may take you a lot longer to finish than a professional.

If, after considering all of these factors, you think it would be best to find a contractor, here are some helpful links that can guide you:

The contractor just finished the bathroom and while I am pleased with the result, my final word on the subject is that I think we will go back to doing-it-ourselves.   What can I say?  I have a sledge hammer and I like to use it!   So, how about you?  Are you a do-it-yourselfer?  How do you feel about home contractors?  Have you had good experiences or bad?

| Post a Comment | View Comments [5] | envelope E-mail This Entry | Tags: do it yourself   ginger   home   home_improvement   remodeling   renovation  

 

Entry bubble Is Radon Lurking in Your Home?

By: Stephanie | September 05, 2008 | Category: Health

radioactive symbolDid you know that the number one cause of lung cancer among nonsmokers may be lurking in your home? The culprit—elevated levels of radon—is estimated to be found in nearly one out of every 15 homes in the United States, according to the U.S. Environmental Protection Agency (EPA). Some 20,000 people will die this year due to breathing too much radon without even knowing it. Among smokers, radon is the second leading cause of lung cancer.

Radon is a naturally occurring radioactive gas found in nearly all soils. It can leak through cracks into your home, where it can get trapped and build up. You can't see radon, and you can't smell or taste it. Any home can have a radon problem—new and old homes, well-sealed and drafty homes, and homes with or without basements.

The EPA and the Surgeon General of the United States have recommended that all houses be tested for radon. I thought that my house had a radon tester, but while researching this post, I learned that it’s just a monitor—which sports the recommendation to test for radon every two years.

Luckily, many states offer free or discounted radon test kits; you can check your state’s program on EPA’s map. Radon test kits are also available by calling 1-800-SOS-RADON (1-800-767-7236), and from some local or state American Lung Associations and home improvement stores.

If you have elevated levels of radon in your home, professionals can help fix the problem, often for about the same cost as other common home repairs.

For more facts on radon, visit EPA's general information, its citizens' guide to radon, and its consumers' guide to radon reduction. Pueblo.gsa.gov also offers information on the deadly gas, and the National Institutes of Health and USA.gov offer useful links to more information on radon.

| View Comments [3] | envelope E-mail This Entry | Tags: gas   home   house   killer   lung_cancer   radioactive   radon   safety   stephanie   test  

 

Entry bubble Certified Deed Scam

By: Nancy | August 28, 2008 | Category: Home and Family

Recently, Gov Gab headquarters, aka the Federal Citizen Information Center, enjoyed a visit from investigative reporter Lisa Robinson from Baltimore's WBAL-TV. She was here to put together a story about one of our office's pet peeves: a consumer scam. We hate it when people try to rip you off and we do everything we can to keep you informed. So we like people, like Lisa, who are looking out for you, too.

deedOne of Lisa's viewers told her about a scam that's been circulating the country. It involves the deed to your home.

Like thousands of people nationwide, this viewer received a letter that looks like this from an official sounding company. It might also come to you in email form. The letter says that the Federal Citizen Information Center recommends that you get a certified copy of the deed to your home. Not sure where to get it? Lucky you—the company will provide it for you for just fifty-nine to eighty-nine bucks, depending on the version of the letter you receive. Oh, and don't forget the $4.50 shipping fee. I guess they photocopy your deed on especially heavy paper or something.

The truth is, we don't endorse that company or their service. You can get a copy of your deed yourself from your county clerk or registrar. In most places it's free or no more than ten bucks.

If you get any offer like this by mail, phone or email that sounds fishy, trust your gut and check it out with us, with your state or local consumer office or attorney general, or with your local consumer or investigative reporter, like Lisa.

Have you gotten one of these letters? What other scams have been hitting your area (or your inbox) lately?

| Post a Comment | View Comments [8] | envelope E-mail This Entry | Tags: deed   home   nancy   scam  

 

Entry bubble Avoid Foreclosure Rescue Scams

By: Nicole | August 15, 2008 | Category: Home and Family

Mortgage PaymentsA few weeks ago, I wrote a post about avoiding mortgage foreclosure. I know that topic resonated with a lot of folks. In addition to other worries, homeowners must now be more guarded than ever against foreclosure rescue scams. The fear of losing their homes can make even the savviest consumers susceptible.

The Federal Trade Commission and the Office of the Comptroller of the Currency both provide general descriptions of the most common foreclosure rescue scams:

  • Lease-back or repurchase scams happen when someone offers to pay your mortgage and rent your home back to you. This scheme often involves signing over your deed to a con artist.
  • Refinance Fraud occurs when people pose as mortgage brokers and offer to refinance your loan so you can afford the payments. Con artists may trick you into signing over the ownership of your home by saying that you are signing documents for a new loan.
  • Bankruptcy Schemes attempt to abuse the bankruptcy laws. The con artist may even file a bankruptcy case in your name, without your knowledge.

Here are some general tips to help you avoid these scams:

  • Read and understand everything you sign.
  • Don’t sign blank or partially completed documents.
  • Make payments directly to your lender or mortgage provider.
  • Contact your lender directly to discuss payments and options.
  • Never sign over the deed to your house without consulting a lawyer.
  • Report suspicious activity to the FTC or your state consumer protection office.

For more information about housing, visit the USA.gov Homes and Housing Page. Do you have any other tips for avoiding foreclosure scams?

| View Comments [3] | envelope E-mail This Entry | Tags: bank   foreclosure   fraud   home   housing   lending   loan   money   mortgage   nicole   scams  

 

Entry bubble Do You Have Enough Insurance?

By: Nancy | June 19, 2008 | Category: Money

Two weeks ago, my neighborhood was torn up by an "unconfirmed" tornado. Roofs ripped off. Trees through homes. I got off easy, only losing power for three days and having to chuck most of the food in my fridge. But my neighbor two houses down also lost her deck, her new fence and the front of her car when a huge oak tree took them out—along with all the power lines. fallen tree

Two days ago, the back of my car was torn up in a parking lot by a very contrite lady who got her brake and gas pedal mixed up. My poor old car's bumper is smashed and hanging. The liftgate is dented. And I had to secure the tailpipe with a wire hanger to keep it from dragging. Again, I got off easy; the other car has a crushed hood, fender and headlight and a jammed-shut driver's side door.crushed bumper

The most important thing is that nobody got hurt in either event. People are infinitely more important than "stuff." But times like these are good reminders to review the insurance policies that protect your “stuff” and ask yourself some questions.

Does your homeowner’s policy cover the current cost of rebuilding your home? If your house is a total loss, will your insurance pay for complete rebuilding or only give you a limited amount of money toward it? Find out from a local realtor or builder how much rebuilding your home would cost and make sure your insurance coverage is in line with that estimate.

How about what’s inside? Your premium will be less if you're insured for only the depreciated value of your possessions. But then you'll have to make up the difference yourself when you shop for replacements. Consider getting insured for the full replacement value of what you own and be sure to keep your home inventory up-to-date.

What about flooding? Most homeowner’s policies don’t cover it, as so many people in the Midwest and South are tragically finding out. Consider separate coverage from the National Flood Insurance Program.

How high should your car insurance deductibles be? The higher your deductible on things like collision or comprehensive coverage, the more you save on premiums, but the more you'll have to pay out of pocket for repairs before insurance kicks in. How much coverage you want to get also depends on you car’s age, condition and value.

I’m glad the lady who crashed into my car was covered. Her insurance is paying for everything, including the rental car that will be waiting for me next week at the body shop when I take my baby in for a new bumper.

What have been some of your more memorable insurance claim stories?

| Post a Comment | View Comments [9] | envelope E-mail This Entry | Tags: accident   car   home   insurance   nancy  

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