Social networking sites like Facebook and Twitter can be a great way to stay in touch, share photos and broadcast what’s on your mind. Unfortunately they’re also a great way for cyber criminals to find out information about you.

The federal government has provided some tips for safer social networking.

• Check out the privacy and security settings and use them to control who sees what. If someone you don’t know tries to “friend” you, ignore it. There’s no way to be sure they are who they say they are.

• Before you post pictures, think about whether they give away too much information about you. For example, does that shot show your street name or license plate in the background? Avoid geo-tagging photos. Most smartphones and many digital cameras automatically attach the exact location where a photo was taken, which can give away your address or let criminals know that you’re on vacation, making your home a target for break-in.

• Don’t mention things like going away on vacation, big purchases or events that include your address in your status updates.

• Never include banking information – not even the name of your bank.

 Remember, taking simple precautions online can protect you from major headaches down the road.

Posted in Real Estate Tips | Leave a comment


When you’re struggling with thousands of dollars of debt, saving a few bucks here or there may seem like a drop in the bucket. Yet in financial terms, those drops add up, and can ultimately create a more positive overall picture. That seems to be the case for the country, as evidenced by a recent report on credit scores and credit habits among American consumers.

Experian’s third annual State of Credit report, which analyzes the average VantageScore (an industry-leading consumer credit risk score with scores ranging from 501 to 990, with higher scores representing a lower likelihood of risk), debt levels and credit use of people living in more than 100 U.S. cities, found that in the past year:

* Americans’ average credit scores edged upward for the second consecutive year.

* Average debt decreased slightly.

* Income rose by nearly one and a quarter percent.

* Foreclosures fell by 12.59 percent.

* Among the 10 cities with the highest credit scores, eight had improved average scores over last year. Among the 10 cities with the lowest average scores, seven also improved their credit scores.

The cities with the highest average credit scores were: Minneapolis (787); Madison, Wis. (786); Wausau, Wis. (785); Sioux Falls, S.D. (784); Cedar Rapids, Iowa (783); San Francisco (783); Green Bay, Wis. (781); La Crosse, Wis. (779); Boston (778) and Duluth, Minn. (777).

The lowest average scores were found in Harlingen, Texas (688); Jackson, Miss. (702); Corpus Christi, Texas (706); Shreveport, La. (708); Monroe, La. (709); Augusta, Ga. (710); El Paso, Texas (710); Myrtle Beach, S.C. (710); Memphis (711) and Savannah (713).

While many of these indicators point toward a renewed focus by Americans on wise credit habits, there are also signs that consumers still have room for improvement, says Maxine Sweet, vice president of public education for Experian. In uncertain economic times, credit and debt management is often viewed as an indicator of Americans’ overall financial well-being. As our nation and individual consumers struggle to emerge from recession, establishing and maintaining good credit has never been more important.

Sweet offers consumers some basic credit information:

If you haven’t already done so, check your credit score and report so that you have a benchmark for improvement. It’s important to understand the financial behaviors that influence the information in your credit report. Once you understand how your financial behaviors affect your credit report, you’ll be able to take steps to improve your credit history and, subsequently, improve your scores. Factors that affect your credit score include:

* Bill payment history – Paying bills on time is the single most important contributor to good credit. Late payments negatively affect your ability to get credit since they indicate a stronger likelihood that you will make late payments again or will be unable to pay your debts in the future. Even if the debt you owe is a small amount, it is crucial that you make payments on time.

* Credit card balances and other revolving credit – If you max out your credit card or charge balances that are very close to your limit, you will increase your balance to limit ratio, or utilization ratio. A high utilization ratio may indicate that you are tempted to charge more than you can pay and therefore, negatively affect your credit score.

* Length of credit history – How long you’ve had certain accounts matters for your credit history. What’s more, if you have negative information on your credit report, time is your ally in improving your credit score. While steps like catching up on late payments and paying down debts can help improve your score, there is no overnight fix for a low credit score. Improving your score will require time and discipline.

To learn more about building and maintaining a strong credit history, visit LiveCreditSmart.com.

Posted in Real Estate Tips | Leave a comment


Laminate and wooden flooring looks great in almost any room. If you are considering fitting the wooden flooring yourself then there are a few tips that may help you to fit it easier and may add a more professional finish to it. With some hard work, patience and the right flooring tools it may not be as difficult to achieve a good finish as you imagine.

Before laying the laminate or wooden flooring ensure that your under floor is in good condition and is as flat and bounce-free as possible. Uneven areas should try to be repaired. The flatter the surface the better the wooden flooring will look. Ideally you will want the new wooden flooring to run length-ways along your room as this looks better than width-ways, however if your existing floorboards also run length-ways it is a bad idea to fit them directly together as this can lead to joint separation and unevenness. If this is the case then fit plywood over the entire floor surface so that you have a flat surface to then work on.

Once your existing floor is ready, lay an insulating membrane across the entire flooring area. This keeps heat in the room and dampens noise when the wooden flooring is walked upon and is highly recommended. Once this has been laid you are ready to lay your new wooden flooring panels. The easiest way is to work from farthest wall from the door inwards as this is the most seen part of the room. If possible remove skirting boards and door architraves so that you can work from the wall. If this isn’t possible then beading can be fixed to these areas afterwards to give a tidy finish.

When laying the flooring panels always stagger joints by using random length flooring pieces as this will add to the strength of the flooring and the aesthetics. Ensure that all pieces are firmly locked together before re-applying skirting and architraves or adding beading. Flooring can contract and retract based on the heat of the room and moisture levels so do not fix skirting or beading to the floor. Fix skirting to the wall and fix beading to the skirting.

 by: Xander Palmer 

http://www.articlecity.com/articles/home_improvement/article_6471.shtml 

Posted in Real Estate Tips | Leave a comment

Crown molding is a great way to beautify an ordinary looking home into one that exudes class and style. Crown moldings are typically decorative strips made up of wood, plastic, or fiberboard. These are introduced to any room decor in an effort to camouflage the existing flaws and ugly blotches on the walls or ceilings. The crown molding is therefore similar to a wall decoration which adds a touch of elegance to a room, making it appear more grand and unique.

Crown molding ideas can be retraced to the Roman and Grecian culture where it became vastly popular. Wooden crown molding gained popularity later when craftsmen mastered the art of cutting, sanding, and carving wooden blocks to create masterpieces. Crown molding is affordable and can be implemented in almost any type of room. You can buy the raw materials yourself and get it made professionally by customizing it. What materials you choose for crown molding will largely determine how durable and beautiful it is going to be. Superior quality materials for home furnishing are likely to be far more expensive but are less likely to be damaged.

Home furnishing experts choose crown molding these days because it helps heighten a property’s real estate standing. When a property appears visually stunning, chances are buyers will be willing to pay more for it. Simply demolishing walls to give your rooms a spacious look is not enough; instead, this is more expensive and impractical. An easier and economical alternative is using decorative columns and ceiling medallions for your home decor. These home decor ideas are easy to implement and will not cost you dearly.

Buying crown molding online can give you many advantages. This is because you can purchase your decorative columns or door casings or ceiling medallions directly from the maker without having to handle the wholesalers and retailers. They offer you the luxury of customizing your home furnishing ideas and guarantee you good quality materials. Unlike furniture, such decorative columns or ceiling medallions will not occupy unnecessary space, nor will they clutter the room. Besides, they are fire-resistant and help keep away harmful UV rays. Crown molding can be easily maintained and these products seldom rot. Installing them is never a problem and most of the products can be set up by following simple instructions, except ceiling medallions where professional assistance is recommended.

Crown molding can come in various designs like the traditionally classic designs which help add elegance and class to your home decor. Crown molding in the kitchen is similar to ceiling and wall decorations, but the installation process is different. Although challenging, using crown molding is a sure way of giving your rooms that much-needed makeover. It helps give every room a distinct flavor, an aesthetic appeal, a unique personality, and a sophisticated touch.

When choosing the crown molding for your rooms, make sure to choose the right molding depending on the room dimensions and ceiling height. Select the materials that are sturdy, dependable, and weather-proof. The world of home furnishing has undergone a revolutionary change with the advent of crown molding.

By: Walter Mitchell

http://www.articlecity.com/articles/home_improvement/article_7226.shtml

Posted in Real Estate Tips | Leave a comment

If that includes you, you’re not alone. A recent survey shows that nearly half of U.S. investors don’t believe they’re knowledgeable enough about the precious metal to make a decision about adding gold to their portfolios. The World Gold Council highlights these five options to get you started: 
1. Gold Exchange-Traded Funds (ETFs)
Since 2004, U.S. investors have been able to buy Exchange Traded Funds (ETFs) backed by physical gold through their brokerage accounts on a regulated stock exchange, just like a share of a company’s stock. Ownership of gold ETF shares provides investors with a vehicle that reflects the performance of the price of gold bullion, less expenses of the ETF.  With these gold ETFs, individuals do not need to physically store gold, so no need for a safe or safety deposit box. Different types of gold ETFs are available on the market but not all are 100 percent backed by physical gold, so read the prospectus carefully and ask your financial adviser to help you select the one that best suits your needs. 
2. Gold mining stocks
With this option, you are investing in a gold-mining company, rather than gold bullion. Depending on the company, you may be able to generate income from dividends. While the value of gold stocks has historically been closely tied to the price of gold itself, other factors can determine the value of the individual companies. More than 300 gold-mining companies are listed and publicly traded in the U.S. 
3. Gold Accumulation Plans (GAPs) 
Similar to a conventional accumulation plan, GAPs allow investors to set aside a fixed amount of money every month in order to purchase gold on various days. This cost averaging cushions investors from short-term variations in the price of gold. When the account closes, investors could have one or more of the following alternatives: receiving bullion bars or jewelry or simply selling the gold for cash.
4. Gold bars
Gold bars range in size from just a few grams to the 400 ounce London Good Delivery bars most people have only seen in the movies. There are many different refineries that produce gold bars and most companies that sell gold will offer a variety of sizes to suit various budgets.  
5. Gold coins
Issued by governments around the world, gold bullion coins are a popular choice for investors. Their value is primarily based on their fine gold content. Bullion coins differ from numismatic or collectable coins, which are valued on rarity, design and finish rather than their gold content. Many mints will offer “proof” versions of the bullion coins at a premium to the gold content for collectors and those looking for an heirloom gift for milestone celebrations such as a birthday or wedding. American Eagle coins are a common form of bullion coin in the U.S. and other popular bullion coins that are widely available include the Gold American Buffalo, Canadian Maple Leaf, South African Kruggerrand and Chinese Panda and Austrian Philharmonic.
Where to buy: Both bullion coins and gold bars may be purchased online or by phone from companies that specialize in precious metals.
“There are a number of ways to invest in gold and each can play its own role in your portfolio. Owning an ETF, bars or coins and mining shares may be viewed as complementary investments,” says Juan Carlos Artigas, Global Head of Investment Research at the World Gold Council.
The World Gold Council (www.gold.org) provides useful information on why, how and where to invest in gold.
The information provided is for educational purposes only. Consult your financial advisor before making any investment decisions.
Posted in Real Estate Tips | Leave a comment


When it comes to your home, you want it to be as unique as you are, and first impressions are very important. It makes sense to start with the part of your house that everyone will see first – your gates and railing. Wrought iron driveway gates are an ideal way to finish off your drive and give your home that wow factor.

Driveway gates and fences will enhance the beauty, privacy and security of your home. A driveway gate extends your home security to the boundaries of your property, and in a time where people are increasingly worried about their security, adding an iron gate at the driveway entrance has become popular. Having a secure fence and gate can be a great comfort, particularly if your house lies in an area of heavy traffic. In addition to the security benefits, adding a gate also contains animals, clearly marks property lines and makes a huge aesthetic improvement to your home.

When you choose an iron driveway gate for your home, you can be confident in the knowledge that they are known for their strength and endurance. This makes them less likely to break or bend. With today’s power coating options, wrought iron gates can become just as rust resistant as aluminum. Iron gates can be matched with existing fences, pedestrian gates and access control systems.

It can be very frustrating to finish a long commute only to have to get out of the car, open a gate, drive through it, get out of the car again and close the gate. With this in mind another trendy feature for your iron driveway gates is to install an automatic gate opener. Electric gates provide indispensable convenience, allowing a gate to be opened without ever having to leave your car and therefore eliminating all those cumbersome steps.

When purchasing electric gates you need to consider a few options. The most obvious is deciding whether you want your driveway gate to open by sliding or swinging outwards. Swing gates are more aesthetically pleasing but you must take into account the opening radius depending on the length of the gate. Sliding gates will eliminate this issue as they retract rather than swing out.

You will also need to consider how much power is required to open and close your driveway gate. The amount of power is dependent on the size of your gate, how it opens and how many times it will need to be opened each day.

Finally, how will your gate be accessed, and by how many users? Electric gates are operated by a controller which sends a signal to the opening mechanism.

There are several options for your controller:


  • Wireless

  • Wired keypads

  • Keypads with intercoms

  • Key card operated controllers

  • Controllers operated by remotes or telephones


Each of these features will affect the price and your final decision should be based on your budget and personal preference. Once you have taken all these points into consideration you can narrow down your options and choose the best Driveway Gates for your specific needs.

Posted in Real Estate Tips | Leave a comment

(BPT) – As a nation, we learned several hard lessons following the recent natural disasters in Oklahoma and along the Hurricane Sandy-ravaged East Coast. While we often think of the devastation inflicted upon individual community members, we can’t overlook the effects that natural disasters have on the backbones of our local economies: small businesses.

If a small business can’t resume operations within 10 days following a natural disaster, the chances are it won’t survive, according to Bolt Insurance Agency. The Federal Emergency Management Agency (FEMA) estimates 40 percent of businesses do not reopen after a disaster, and of those that do reopen, 25 percent fail within one year. What’s more, many small businesses do not have disaster preparedness plans in place, according to FEMA.

After a category five tornado hit Oklahoma in May, thousands of small businesses in the area struggled to recover. More than 6,000 companies in Moore, Okla. – a region heavily populated with small businesses – were affected, compromising sales of more than $1.4 billion according to a report by Dun & Bradstreet. Eight months after Hurricane Sandy hit, businesses in New Jersey and New York are still trying to get back on their feet. In New Jersey, nearly 19,000 businesses sustained damage of $250,000 or more, and total business losses neared $8.3 billion, according to findings from the National Hurricane Center report.

“Natural disasters pose serious threats to small businesses’ sustainability and survival,” says Tony Pica, senior vice president and Mid-Atlantic Business Banking Group executive market president, Northern Virginia at Capital One Bank. “We know that a single storm can produce billions of dollars in damage, which hurts local economies and causes too many small businesses to fail. Our recent-Small Business Barometer-survey shows that small businesses are feeling optimistic about their financial futures, which is great news. However, we don’t want these businesses to undermine their chances for long-term success and growth by being unprepared. It is essential for local businesses to be ready when disaster strikes – whether it’s a fire, hurricane or tornado.”

Capital One offers these tips and guidelines designed to help small businesses prepare for and mitigate damage caused by natural disasters or other unexpected emergencies:

1. Identify an alternate location: For many business owners-the recovery process after a natural-disaster-can be lengthy. Consider moving employees to an alternate work site, such as a satellite office or hotel ballroom. Whatever location you have available, make sure to equip it with critical equipment, data files and supplies.

2. Customer preparation: Make sure your customers know what to expect from your company in the event of a prolonged-disaster-displacement. Publish backup business or store locations on your website, and make sure your customers know your company’s emergency contact information for sales and service support, and alternative methods for placing orders and payments.

3. Document your property: Take pictures of your property before a-disaster-strikes. This can help insurance companies assess the damage from the storm, and ensure you get the help you need.

4. Be prepared to meet emergency cash-flow needs: Make sure your bank accounts include emergency funds, and keep enough cash on hand to handle immediate needs. Issue commercial credit cards to essential personnel to cover emergency business expenses. Use online banking services to monitor account activity; manage cash flow; initiate wires and pay bills; reduce dependency on paper checks and the postal service to send and receive payments; and make night depository drops as early as possible if a threat is imminent.

5. Identify tools needed for business to continue: Prioritize critical business functions and how quickly these must be recovered.

6. Employee preparation and communication:-Make sure that you not only have reliable methods of communicating with employees during a disaster, but that your employees are informed and knowledgeable about the company’s emergency plan. Make sure that contact information for employees, key customers, important vendors and suppliers, and insurance companies are not just backed-up but accessible electronically for employees.

7. Recovery: Once your business is running again, compare what happened against your company’s-disaster-preparedness-plan. Capital One offers a-Disaster Planning Checklist-to help small business owners assess their own plan, and minimize the impact of a-disaster-should one happen again.

For more helpful information on managing a small business, visit www.capitalonesmallbusiness.com.

Posted in Real Estate Tips | Leave a comment

Backyard sanctuaries incorporate peace of mind with a spa-like atmosphere. Some do this with plant features, others with water. Here are some tips to build an outdoor sanctuary in your own backyard.

1. Create a walkway – A beautiful walkway around your backyard, through different scenic zones, can help you to clear your mind of troubled thoughts. This walkway can be a paved path, or composed of stepping stones or gravel and woodchips. Consider planting different gardens close to the walkway, inviting walkers to immerse themselves within the blooms and scents wafting from the flowers.

2. Incorporate a seating area – This space doesn’t have to be large, but give it a sense of ambiance with an arbor made of cedar to allow plants to grow taller, or a pergola to provide shade and that wonderful natural aroma that cedar gives off. Natural materials like Western Red Cedar weather naturally, and are rot-resistant, giving homeowners a durable and long-lasting material to enjoy for years to come.

“Using Western Red Cedar for backyard sanctuary seating areas gives homeowners a variety of design options to work around,” says Mark Clement, a building expert and co-host of “My Fix It Up Life” which airs nationally on iTunes, Blog Talk Radio and myfixituplife.com. “This wood is sustainable, environmentally friendly, easy to work with, ages beautifully, and, when incorporated into an arbor or pergola design, makes a stunning visual element to the space.”

In this seating space, place a bench, outdoor patio furniture or even comfortable lawn chairs to encourage family members to stop for a rest and settle their thoughts for the day. If the family is into yoga or meditation, consider keeping mats in a nearby storage container for quick and easy access.

3. Design for both night and day – Sometimes a sanctuary space is most needed when the moon is shining brightly. Plan for this with a lighting design in the backyard. Provide illumination to pathways, the deck area, and in garden clusters to give a new sense of beauty to the plants. When designing your lighting scheme, be careful to avoid creating any scary shadows. If you notice this occurring, adjust the lighting to come from a different direction, or try using a different light. Also consider what form of light you would like. Would you prefer low watt electric lights, or candlelight, which would require a person to spend time preparing?

Once your backyard sanctuary is built, your family will have a place handy where they can escape for some peace of mind.

Posted in Real Estate Tips | Leave a comment


Today’s consumer mindset is steeped in common sense and careful decisions. When making a purchase, individuals aren’t looking to accumulate “stuff.” They’re looking to buy an experience. That experiential purchasing behavior is especially true when it comes to selecting items for the home. Current home decorating is not about flashy, over-the-top design; rather, it’s about decorating for real life – a home that’s smaller, more well-equipped and custom-made for its owners’ lifestyles.

“Homeowners are getting back to basics,” says Rebecca Kolls, senior director, consumer strategist of home and garden, Iconoculture, a leading consumer trends advisory firm which presented at Moen Incorporated’s INSPIRE Design Seminar. “They are putting roots down and investing in items to increase their quality of life.”

How are homeowners making their spaces more practical and livable for the long term? What exactly are the hot trends for this year? Kolls points to several distinct ideas, including: practicality, rightsizing, style-telling and universal design.

Practical and perfectly sized homes

Today’s average new home is smaller than those from recent years at 2,135 square feet. It emphasizes inviting, livable spaces, and downplays the formal, untouched rooms of yesterday. Despite a decrease in overall square footage, kitchens are growing, homeowners are adding more porches, ditching the conventional living room concept and embracing fewer – yet larger – rooms.

To fill those rooms, homeowners are looking for products that provide function, as well as fashion. They are no longer buying for the sake of buying. “The first question consumers are asking is, ‘Do I need this or do I want this?’” says Kolls. They’re looking for more practical solutions for everyday life, like items that promote health and overall well-being, versus over-the-top indulgences.

Instead of one purely decorative element, homeowners are springing for more affordable luxuries with experiential benefits. In the bedroom, these purchases include new mattresses for increased comfort and a better night’s sleep, plus items like improved lighting and window coverings that facilitate a gentle transition from sleeping to waking. Bathroom remodels include items like towel warmers, steam showers and multiple body spray outlets that promote relaxation and spa-like indulgence. Moen Flushmount Body Sprays are especially appealing to the remodeling consumer looking for added wellness benefits: Each body spray is equipped with an adjustable spray face, allowing the user to position the water sprays exactly where he or she desires by pivoting up to 20 degrees in any direction, for the ultimate in customized relaxation and rejuvenation.


2012%20homes
Style-telling solutions

Gone are the days of perfectly-matched rooms and pristine homes. Today’s homeowners are looking to tell a story through their decorating, with pieces that put a personal stamp on their spaces. People are stylizing the most-used room in the home – the kitchen – by adding workstations, artwork, photography and more furniture-like cabinetry enhanced by decorative cabinet knobs and pulls, like those offered by Moen.

Homeowners mix-and-match more now than ever before, complementing a great-grandmother’s antique dining room table with modern, geometric dinnerware; putting vintage photos into new stainless steel frames; storing K-cup coffee pods in antique coffee bins. “Homeowners are adding pieces that make sense: items that enhance their experience and put a personal stamp on a room,” Kolls says.

Flexible design

Baby boomers are the first generation to collectively fight aging. These individuals are caring for their parents, their children, and even their grandchildren, all while making plans for their own future. Boomers want to spend the rest of their lives in their own home and they’re looking for universally designed products to help them do just that. In the bath, boomers are incorporating ADA-compliant products, like new Weymouth lever-handle faucets and custom showering options from Moen. The Weymouth collection brings elaborate, traditional styling to the bath, plus reliable, nearly effortless operation for individuals of all ages and abilities.

In addition to more accessible everyday items, homes with several generations under one roof are also utilizing technology to help keep all members of the family safe and well. In fact, according to Kolls, wireless home health monitoring technologies are expected to grow by $4.4 billion by next year. Smart mirrors that can monitor day-to-day health, including changes in appearance, plus alerts that report whether an aging parent has commenced his or her daily routine, are just a couple of examples of how technology is bringing additional security and flexibility to the lives of caregivers.

Today’s home may have a smaller footprint, but it is much more personal and memorable than houses of the past. Families are spending more time in the home and incorporating multiple generations under one roof, which makes for richer design – and even richer experiences – than ever before.

Posted in Real Estate Tips | Leave a comment


If you are considering taking the plunge and having your home insulated, you may want to consider roof insulation. Just what is roof insulation? It is a product that lives up to its name, and could be called the hidden insulation, because many people do not even know that an outdoors form of it exists- they do research about the best kind of insulation for their home, and make a choice without becoming informed about roof insulation.

Roof insulation works silently to make your living space more comfortable. It has been tested and found to reduce the overall cost of heating your house by an astonishing 13%! This type of insulation can also help to keep your house a great deal cooler during the summer months. That can add up to a nice amount of money in a few years time, perhaps even enough to pay for your roof insulation and installation!

There are two types of roof insulation. One of these types goes on the outside of your home in the area between the roof’s shingles or tiles, and the sheathing used on top of the rafters as a place for the roofing. Normally, a type of foam board is stapled to the sheathing, and the roofing material is then installed on top of the foam board. This gives you a layer of protection from hot and cold air drifting into your home’s attic and then into your living space. Rigid fiberglass insulation can also be used for this purpose. It is a lot easier to install this type of insulation when you are also replacing your roof shingles or tiles, but it can definitely be used on a roof that is already in place or a flat roof as well.

It may only be necessary to place roof insulation in your attic space, which some contractors will call loft insulation. This is the more common type of roof insulation, and you will find that more people have heard of this alternative. Rafter vents are needed to keep any build up of moisture from getting the insulation wet. Once this has been accomplished, the space between the rafters can then be filled with insulation.

Spray foam insulation is one choice that the homeowner has for roof insulation in their attic space. A smaller attic, such as one you cannot stand up in, is a good candidate for this type of insulation. Professionals spray the foam into all the spaces, cracks, and crevices, and it does an excellent job of keeping out air.

Another type of attic roof insulation is that familiar pink colored roll that looks a bit like a huge roll of carpet. These are known as batts, and are usually made of fiberglass, but can also be made from rock wool. The pink batts are flexible, and it is easy to cut and fit them into the needed spaces. It is best to leave this type of installation to a professional, for fiberglass can be rather tricky to work with. It is easy to get some of the fibers embedded into your skin, or even in your eyes. As you might imagine, this is quite painful, and potentially dangerous to your eyesight. There is also the risk of breathing in the glass fibers.

The various types of roof insulation that are available will make your home a comfortable place to live, whether it is winter or summer.

 by: Simon Shannon

http://www.articlecity.com/articles/home_improvement/article_3754.shtml

Posted in Real Estate Tips | Leave a comment