Home Remodeling ? Money Saving ... - Amazing Home Improvement

For many homeowners the houses they live in are just not the ideal homes for their needs.? Changes in family sizes and desires can make most homeowners contemplate that need to plan a home remodel.? However, the smart homeowner will recognize that before they tackle that home remodel, they need to plan well for this important investment.? Here are a few items that all homeowners contemplating a home remodel should understand before deciding.

Setting Your Priorities on Home Remodeling Plans

The priorities you decide on for your home remodel will depend on how long you will be staying in your present home.? If this becomes the home you plan to stay in for a long time, you may want to itemize your list of remodeling projects.? Maybe create a timeline with your life transitions and space your projects with it.? Kids going to college, parents getting older are all items to consider when itemizing your home remodeling list.

If your planning to stay in your home for only a few years, then look at budget conscious home remodel upgrades.? Look to invest in what will make your home more of an investment for resale later.? That could include upgrading cabinets, faucets, a front door, or windows to help you recoup your home?s investment.

Set a Sensible Budget on Home Remodeling Plans

Never start a home remodeling plan without sitting down and writing it all down.? This will help to ensure that you don?t overlook small details in the planning process.? Give yourself at least a 15 percent cushion for the unexpected expenses that tend to crop up.? Make sure that you don?t overextend yourself with a home remodel project.? You will always want to make sure that you have a home remodel project that you can live with financially.? Contact your homeowners? insurer to make sure that you?re fully covered for the home remodel and the cost of rebuilding your home if there is a catastrophic loss.?

Get the Best Deal on Your Home Remodel Plans

Whether your home remodel plans are big or small, make sure that you get several bids for it.? Make sure to have face-to-face interviews with all the contractors and compare material and labor costs as they can vary greatly.? Look at energy-efficient products for your home remodel as you maybe eligible for federal tax credits, state incentives, or rebates from the manufacturers.? If your the do it yourself kind of person, some of the simpler projects might be worth doing and omitting from your home remodel bids.

Written by MikeBurnside
Creator and writer for Unravelingmysteries.com a lifestyles website.

This entry was posted in Cabinet and tagged Home, Ideas, Money, Remodeling, Saving. Bookmark the permalink.

Source: http://www.ru-live.com/home-remodeling-money-saving-ideas

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Home Improvement Loan ? Overview

There are a number of changes you can make your home, including painting the walls, floors, adding new equipment for kitchen and bathroom, installing heating and air conditioning systems, creating additional space, and much more. Sometimes you may need to make improvements to your home. Maybe there is a leak in the roof, your pump is damaged, or it may cause a malfunction in the heating or air conditioning are.

In addition to repairs, you can renovate the house. You might want a new room for the children who grow up to build. A space can be used as classrooms. You can change the appearance of completely new for your garden. Home Improvement can help you change the background into a basketball court. Many people make home repairs for investment purposes like home improvements can increase the value of your home. Residential occupancy is a feature that is always good for investment purposes. The market is always strong when it is in good condition. You must feel that your home needs a major concern with the other repair and renovation work. Therefore you may need a large amount of money. People are willing to spend money on their homes, but sometimes they can not because of the low cash flow. Also a fact that the money spent on home improvement is usually converted into a large amount of money. This can be sold in the market at higher prices. This is a great advantage for home improvement. To solve cash flow problems for home improvement, in particular, many banks offer home improvement loans. Home Improvement loans for consumer credit and structural remodeling your home renovation. These loans are collateral and usually can be used for a long time. You can go home improvement loans for various purposes, such as use, adding a new room, buying new furniture, the decoration of your garden, whitewashing the walls, build a swimming pool and much more. People are home improvement loan of choice primarily because of its very comfortable. Banks offer these loans at an interest rate is very low. You can search for an affordable fixed price or you can go to the interest of affordability. set the cause of flexibility in these loans to see. These days, home improvement loans are very popular and you home improvement loans of different categories. They can be cheap home improvement loans, low interest home improvement loans, home improvement loans safe, fast home improvement home improvement loans and bad credit loans. Now you can help shape them to your home by the banks and enjoy the last renovation. If you plan to sell the house are upgraded, it will certainly bring more money. Loans for repair and / or renovation of housing may also involve known as home improvement loan . If the application works as tubes or in the kitchen or painting the apartment. If the borrower has a poor credit history, can he bad credit home improvement loans to go. This loan is for a specific purpose, such as improving your home loan. It only contains significant improvements for each device. The purpose of bad credit home improvement loans more similar to a mortgage extension. However, the borrower pays more interest in the following cases. It is therefore recommended that a bad credit home improvement loan as an extension of mortgage loans. You can go for a do-it-yourself home improvement or professional help. Do-it-yourself is cheaper than professional help. However, home improvements, you must have a talent for. Getting professional help to repair the house is more expensive. You can

even need to take a loan. Home improvement loans of two ways ? safe and unsafe. You need to provide collateral to obtain loans. The interest rate for secured loans is lower than the rates on unsecured loans. The most common types of secured home improvement loan are a homeowner loan.

You can not

homeowner loans if you are a tenant. In a situation like this, you may return home improvement unsecured loans for implementation to get started. Before you go home improvements, make sure that the costs of home improvement increase the value of your home beyond.

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Source: http://www.sgdsn.info/home-improvement-loan-overview.html

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Source: http://newwealthstreams.com/2011/wealth-management-videos-investing-and-retirement-planning-tips-personal-finance-101-part-1/

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Swimming Samaritans: Morris Township pools open to Morristown ...

Posted by Kevin Coughlin on September 2, 2011 ? Leave a Comment?

Tropical Storm Irene tried to leave Morristown swimmers high and dry.

Mud washed into pools at Burnham Park, forcing the town this week to close the facility for the remainder of the season.

But Morris Township has come to the rescue for the Labor Day weekend. It will honor Burnham Park pool passes at its Ginty and Streeter township swimming pools. These pools are open daily from 11 am to 7 pm through Sept. 5.

Please click icon below for captions.

It?s not the first time the township has come to the rescue. In recent years it opened its pools to members of the Cromwell pool and the Morris County YMCA when they had closures.

?In this case, Morristown is helping us, too, by assigning some lifeguards to assist our staff,? said Bill Foelsch, the township?s recreation director.

Morristown officials have said their priority is ensuring that electricity is restored to residents who have been without power since the Aug. 28 storm.

State regulations would have required draining, scrubbing and disinfecting the Burnham Park pools?a big job under any circumstances.

The Ginty pool is on South Street, near the Seaton Hackney Stables. The Streeter Pool is on Sussex Avenue. For more details, call 973-326-7371 or see the township website.

Also coming up in Morris Township:

The Annual Resident Swim Pool Picnic & BBQ, Saturday, Sept. 10, from 1 pm to 6 pm. Featuring music by The Kootz and Cloud 9 DJs, with kids games and activities. Open to township residents and pool members; $10 per person.

* * *

Youth tennis lessons:In cooperation with US Sports Institute, will teach children the fundamentals of tennis while making the classes both fun and exciting. USTA tennis instruction curriculums will include the Quick Start Tennis format for younger children.

Tennis classes will meet for six sessions on Mondays, Tuesdays or Saturdays:

  • Ages 4 to 6 Saturdays, September 17 to October 22 from 10:30am to 11:30 am
  • Mondays, September 12 to October 17 from 4:00 pm to 5:00 pm
  • Ages 7 to 9 Saturdays, September 17 to October 22 from 9:00 am to 10:30 am
  • Tuesdays, September 13 to October 18 from 4:00 pm to 5:30 pm
  • Ages 10 to 13 Mondays, September 12 to October 17 from 5:00 pm to 6:30 pm
  • Tuesdays, September 13 to October 18 from 5:30 pm to 7:00 pm

Saturday classes will be held at Streeter Recreation Area Tennis Courts on Sussex Avenue, while Monday & Tuesday classes will be held at the Ginty Tennis Courts on Woodland Avenue. Cost is $84 per child ages 4-6, and $118 per child for ages 7-13.

* * *

Introduction to yoga for adults: A great way to become more physically active; designed for beginners and for anyone who wants low key workouts. The class teaches basic Hatha positions, breathing and relaxing exercises that are taught by a registered Yoga trainer. Classes will take place one day each week for 10 weeks. Classes are scheduled on Monday evenings at 7:00 pm starting September 19th at the Collinsville Fire House, Wednesday mornings at 9:30 am starting September 21st at the College of St. Elizabeth, and Wednesday evenings at 7:00 pm starting September 21st at the Hillside Hose Company. Cost: $45 per person.

Winter 2011-2012 and Spring 2012 sessions will follow the same day/time format starting the weeks of December 12, 2011 and March 19, 2012.

* * *

The Fall/Winter brochure lists more than 60 programs for residents of all ages. The brochure contains information on Morris Township?s parks, recreation activities, and contact information for independent recreation and sports organizations. It also offers information on the? Morris Township Senior Citizens? Club. The brochure is available online at? www.morristwp.com

Register On-line for these programs at https://register.communitypass.net/morristownship or at the Morris Township Parks & Recreation Department, 50 Woodland Ave.,? 973-326-7371.

READ MORE ABOUT TROPICAL STORM IRENE

Morris Township's Ginty and Street pools are honoring passes from Morristown's Burnham Park Pool--closed by Tropical Storm Irene--for the Labor Day weekend. Photo courtesy of the Morris Township Department of Parks & Recreation

Morris Township's Ginty and Street pools are honoring passes from Morristown's Burnham Park Pool--closed by Tropical Storm Irene--for the Labor Day weekend. Photo courtesy of the Morris Township Department of Parks & Recreation

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Source: http://morristowngreen.com/2011/09/02/swimming-samaritans-morris-township-pools-open-to-morristown-residents-over-labor-day-weekend/

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Law of Attraction Meets the 11 Forgotten Laws | Self Improvement

[unable to retrieve full-text content]Although the Regulation of Attraction is only one of many eleven forgotten laws, it's maybe the most well-liked thanks to Bob Proctor. Thanks to Proctor and...

Source: http://myselfimprovementtoday.com/law-of-attraction-meets-the-11-forgotten-laws

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The Libyan fairy tale

The Libyan fairy tale

AP Photo/Alexandre Meneghini

Mashud Marjub Orabi stands next to the grave of his son, who he says was killed fighting against Moammar Gadhafi's troops, at a cemetery in Tripoli, Libya, Aug. 31, 2011.

It's true that Moammar Gadhafi, like many -- perhaps a majority of -- rulers in his region, was a thug and a brute, if at times a comical figure. One doesn't need to be an apologist for him -- nor deny the satisfaction of seeing the citizenry joyously celebrating his ouster -- to demand some honesty about the motives behind his removal. Especially when it comes to our own government's role in funding it, and thus every American's unwitting participation.

WhoWhatWhyA look at the events leading up to the "uprising" -- and a consideration of the historical background--suggests that the war was never about the stated humanitarian objectives. Rather, humanitarian appeals were used to mask less acceptable purposes -- a range of geopolitical motives shared by the leading NATO countries, that, as is so often the case with military action, is concerned principally with oil supplies and other strategic concerns.

A raw land grab is not politically correct in today's world, and so the American and European publics were presented with something far more palatable: a desire to do the right thing. This hoary story line worked with a complacent media, but it doesn't hold up well to scrutiny. Let's start with the official justification for NATO's launch of its bombing campaign -- for without that campaign, it's highly improbable the rebels could ever have toppled Gadhafi. We were told from the beginning that the major purpose of what was to be limited bombing -- indeed, its sole purpose -- was to protect those Libyan civilians rebelling against an oppressive regime from massive retaliation by Gadhafi. Perhaps because of NATO's initial intervention, the feared genocidal bloodletting never did occur. However, protecting civilians apparently didn't generate sufficient public support for intervention, so we started to hear about other purported reasons for it. Gadhafi was encouraging his soldiers to commit mass rape! And giving them Viagra! And condoms!

You can't make this sort of thing up. And yet that's just what the NATO crew did -- made it up. The media, always glad to have a "sexy" story, especially a sick sexy story, even a sick sexy story with no evidence to back it up, covered this ad nauseam, but never bothered to find out if it was true.

We've been expressing doubts about these claims (see this and this and this.) But it's tough to counterpoise hot-button issues with rationality. If you questioned the mass rape story, you were a "rape-enabler." If you pointed out that Gadhafi was being bombed for anything other than humanitarian reasons, you were a "Gadhafi-lover."

The media was so gullible that the professional disinformation guys went onto auto-pilot, recycling tired old tropes that nobody ought to be buying anymore. For example, most news outlets reported recently that Libya had fired a SCUD missile at the rebels.

"That it didn't hit anything or kill anyone is not the point. It's a weapon of mass destruction that Col. Gadhafi is willing to train on his own people," said one Western official.

If the effort to rally public opinion against Gadhafi centered on any one factor, it was fury over Libya's purported role in the 1988 bombing of Pan Am flight 103 over Lockerbie, Scotland. As we noted in a previous article, in the years since the conviction of a Libyan intelligence officer in the tragedy, a chorus of doubts has grown steadily. The doubt is based on new forensic evidence and research, plus subsequent claims by prosecution witnesses that their testimony was the result of threats, bribes, or other forms of coercion. It is an ugly and disturbing story, not well known to the larger news audience.

Lockerbie

Yet Lockerbie has continued to touch nerves. In February, when Gadhafi's Justice Minister turned against him and became a rebel leader, he brought with him dynamite. Mustafa Mohamed Abud Al Jeleil made the dramatic claim that his ex-boss was the culprit behind the bombing of Pan Am 103. He asserted that he had proof of Gadhafi giving the direct order for the crime. This got considerable media attention, though almost no news organizations followed up or reported that Jeleil never did supply that proof. The Libyan convicted of the crime has consistently denied any involvement. Nonetheless, his conviction in the case has had Gadhafi on the defensive for years -- and working hard to prove to the West that he can be a "good citizen." Part of this has entailed his paying out huge sums in reparations.

***

From the beginning of the Libya saga in February until now, the NATO coalition has never wavered from its initial declaration of humanitarian motives. And, to be sure, we may still learn of horrible, previously-unknown atrocities by Gadhafi. Still, the United States and its allies have little history of using their might strictly to protect civilians. If so, millions of South Sudanese, Rwandans and others might not be in their graves.

Besides, with all the talk about Gadhafi harming his citizens, what about the effect of more than 7000 -- yes, seven thousand -- NATO bombing runs? We heard constant reports about how Gadhafi was facing charges of "war crimes," with never a word about NATO. To learn the impact of this massive unleashing, you had to be visiting little-known sources such as the Canadian website, Global Research, which often probes beyond official Western accounts of global interventions.

NATO bombing

Some Western military officials couldn't even be bothered to participate in the "humanitarianism" charade. For example, the top British general explicitly stated that the objective was really to remove Gadhafi. Nobody -- including the media -- paid much attention to this admission, perhaps because it was already assumed to be the case.

Gadhafi should never be seen as a victim -- indeed, he has always been sleazy and monstrous in various ways. But the US and its allies appear to have cared little about this, while being deeply troubled by his role as a fly in the geopolitical ointment. A look at the long and complex historical relationship between Gadhafi and the West begins to explain the true reason he had to go. It also dovetails perfectly with a growing body of indications that Western elites encouraged and even provoked the uprising -- while tapping into deep discontent with the dictator.

Source: http://www.salon.com/politics/war_room/2011/09/01/libyan_fairy_tale/index.html

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Racial profiling and terrorism: If you want to screen Muslims, you'll have to target blacks.

Umar Farouk Abdulmutallab. Click image to expand.Two months ago, I criticized Republican presidential candidate Herman Cain for prejudging Muslims the way racists prejudge blacks. Cain argued that Muslims should be subjected to special loyalty tests or barred from Cabinet positions. "This nation is under attack constantly by people who want to kill all of us," he told CNN's John King. "I am going to take extra precautions if a Muslim person who is competent wants to work in my administration." When Glenn Beck asked Cain whether Catholics or Mormons should face the same loyalty test as Muslims, Cain said no, "because there is a greater dangerous part of the Muslim faith than there is in these other religions."

Last month, after going to Tennessee to support bigots who opposed construction of a mosque, Cain apologized for "any comments that may have betrayed my commitment to the U.S. Constitution and the freedom of religion guaranteed by it." He said of peaceful Muslims, "In my own life as a black youth growing up in the segregated South, I understand their frustration with stereotypes."

For this apology, Cain has been denounced by Islamophobes. Homeland Security Secretary Janet Napolitano took similar abuse for rejecting religious profiling. In June, a questioner told Napolitano: "In most of the cases since 9/11 that we've made arrests, it wouldn't be profiling to discover that most of the suspects or the convicted parties have been men, typically under 30 or under 35, often Muslim. ? Why wouldn't the department focus more of its attention on that category of individual who's turned up most often as the suspect?" Napolitano replied that behavioral profiling was more accurate than profiling by sex, age, or religion. In response, several conservative websites, including Beck's, accused her of defying "logic" and "common sense."

The logic of Muslim profiling is simple. First, Muslims are more likely than non-Muslims to plan or commit acts of terror against the United States. Second, Muslims are more likely than non-Muslims to sympathize with al-Qaida or believe that suicide bombing can be justified. Previous polling by the Pew Research Center supports this claim. But a new survey report from Pew adds a twist to the data: Statistically, the group most deserving of scrutiny under this rationale isn't Muslims. It's black Muslims.

The survey report, released yesterday, presents a table (on Page 5) breaking down the data by race. One question asks: "How much support for extremism, if any, is there among Muslims living in the U.S.?" Among all U.S. Muslims, 21 percent say there's a great deal or a fair amount of support. Among native-born U.S. Muslims, the number is 32 percent. Among black native-born Muslims, it's 40 percent.

Another question asks: "Do you have a favorable or unfavorable opinion of al-Qaida?" Among all U.S. Muslims, 5 percent report a favorable view. Among native-born U.S. Muslims, the number is 10 percent. Among black native-born Muslims, it's 11 percent.

A third question asks: "Some people think that suicide bombing and other forms of violence against civilian targets are justified in order to defend Islam from its enemies. Other people believe that, no matter what the reason, this kind of violence is never justified. Do you personally feel that this kind of violence is often justified to defend Islam, sometimes justified, rarely justified, or never justified?" Among all U.S. Muslims, 8 percent say suicide bombing is often or sometimes justified. Among native-born U.S. Muslims, the number is 11 percent. Among black native-born Muslims, it's 16 percent.

If you think the way Cain did?that we should take "extra precautions" with certain groups because the percentage of people in those groups who might want to kill us is bigger than it is in other groups?then Pew's findings suggest scrutiny of Muslims isn't enough. You need to zero in on black Muslims. Look at the two guys who have been caught trying to blow up planes to the U.S. since 9/11: shoe bomber Richard Reid and accused underwear bomber Umar Farouk Abdulmutallab. Not to mention Abdulhakim Mujahid Muhammad, the guy who shot up the military recruiting center in Arkansas.

I don't see presidential candidates advocating this kind of heightened scrutiny. Evidently, racial profiling of blacks is out of fashion. It's been replaced by discrimination against Muslims, ostensibly justified by 9/11 and the threat of Islamic terrorism. But if group data warrant extra screening of Muslims, they also warrant extra screening, in particular, of blacks. Or they warrant neither. Logically, those are your options.

(Readings I recommend: Asra Nomani in the Daily Beast writes: "'Profile me. Profile my family,' because, in my eyes, we in the Muslim community have failed to police ourselves." Nomani, Robert Baer, and Deroy Murdock defended racial and religious profiling at airports in a debate at Intelligence Squared. Juan Cole at Salon made the case against profiling. Faiz Shakir at Think Progress has the best compilation of statements from politicians and pundits advocating Muslim profiling. Rachel Slajda at Talking Points Memo quotes Sarah Palin: "Profile away." Andrew Breitbart's Biggovernment.com shows a black Muslim terrorist plotter under the sarcastic headline, "Please Don't Profile." Robert Spencer at Jihad Watch ridicules Janet Napolitano for imagining "it's only a coincidence" that so many terrorists are "all Muslim men under age 35." Noreen Malone at New York magazine examines an ethnically organized Muslim surveillance program by police that "sounds an awful lot like racial profiling." Alan Duke at CNN's "Belief" blog looks at Gallup data showing that 81 percent of Muslim Americans, but only half of other Americans, think demographic profiling can't identify terrorists.)

Like Slate on Facebook. Follow us on Twitter. Human Nature's latest short takes on the news, via Twitter:

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Source: http://feeds.slate.com/click.phdo?i=2bd65fe3d82b117e23a0735dbfd28b89

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