FARRAGUTPRESS THURSDAY, FEBRUARY 26, 2015 • 1D

Homeowners choose renovation projects fora variety of reasons. Although many improve-ments are made to increase functionality andcomfort of a home, several others are seen asworthwhile investments. These investmentscan add up to a higher resale value when thetime comes to sell a home.

Certain projects have a history of providing agreater return on homeowners’ investmentsthan others. The following renovation tips canadd beauty to your home and generate greatreturns when you put the home up for sale.

• Invest in your kitchen. Kitchen remodelsare a safe bet when it comes to putting moneyinto improving a home. Residents tend tospend a great deal of time in the kitchen, but adated, poorly functioning kitchen can detractfrom the value of a home, even if the rest of thehome is in good shape. It’s possible to recoupbetween 60 and 120 percent of your kitchenremodel investment, especially if the kitchenmatches up well with the rest of your home.Homeowners should know that a deluxe reno-

vation may not be necessary, as relatively mod-erate improvements can create a whole newlook for a kitchen.

• Look to paint. One of the least expensiveimprovement materials, but one that has a sig-nificant impact, is paint. Neutral, modern col-ors can easily liven up any space. If you paintwith low-VOC paint, you also can advertise aneco-friendly home, which is very desireablethese days.

• Put in another bathroom. Multiple bath-rooms are an attractive selling point, particu-larly in older homes that may not have beenequipped with more than one bathroom.Finding extra space for a bathroom can betricky, but consider closets, areas under stairsor even taking some space away from anotherroom. Popular home-improvement televisionchannel HGTV advises that half-bathroomsrequire at least 18 square feet of space, whilefull baths need 30 to 35 square feet for a stand-

Tackle spring cleaning with the environment in mindSpring is a time of year when

many people resolve to give theirhomes or apartments a thoroughcleaning. Spring cleaning proj-ects help people revitalize theirhomes for the warm monthsahead, when windows are onceagain opened, fresh air pervadeshomes and items that might haveaccumulated over a dark anddreary winter have become a dis-tant memory.

Many families have springcleaning rituals that allow themto efficiently clean their homesin a single weekend. But it's justas important for spring cleanersto place as great an emphasis on

the environment as they do onefficiency when cleaning ahome. Eco-friendly spring clean-ing practices produce less wasteand rely on less chemicals torejuvenate a home and get itready for those seasons whenhuddling inside under the coverstakes a backseat to loungingaround the house as fresh airwashes into the home. The fol-lowing are a handful of ways toefficiently clean a home whilealso protecting the environment.

• Clear out the clutter.Clutter is an enemy to homeown-ers and the environment alike.That's because addressing clut-

ter is often an inefficient processin which homeowners methodi-cally go through items that haveaccumulated over the years,individually choosing whichitems to keep and which items todiscard. Clutter can also proveharmful to the environmentbecause rooms filled with cluttertend to collect dust, reducing airquality and leading to moreindoor air pollution that canprove harmful to human health.

When sifting through clutterin a home, discard those itemsthat have gone ignored for years,

See RENOVATIONS on Page 3B

See SPRING CLEAN on Page 4B

Renovationsadd value to homes

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2D • FARRAGUTPRESS THURSDAY, FEBRUARY 26, 2015 SPRING HOME

Many homeowners recognize thatimproving and maintaining a propertymakes a home more livable for its inhab-itants and more attractive to prospectivebuyers when the time comes to erect a“For Sale” sign in the front yard.

But a well-maintained home also pro-vides additional benefits. According tothe United States Department of Housingand Urban Development, home improve-ments not only raise the values of individ-ual homes, but they tend to raise neigh-borhood standards as well. Homeimprovements can create jobs and helplocal communities flourish economically.

Maintaining a home can be a costlyundertaking. Home improvement proj-ects can be expensive whether homeown-ers hire professionals or tackle renova-tion projects on their own. The followingare a handful of options homeowners canconsider as they look for ways to financerenovation projects.

• Paying outright: Paying for the ren-ovations upfront and in full is perhapsthe simplest way to finance a project.Homeowners who have the cash to pay forrenovations outright won’t have to worryabout interest rates or balloon payments.

• Mortgage refinancing: Some home-owners tap into their home equity tocover home remodeling projects.Refinancing a mortgage means paying off

the debt owed and starting over with acompletely new loan. Refinancing comeswith various fees and can cost between 3and 6 percent of the loan’s principal.

• Home equity loans and lines ofcredit: Both of these options are com-monly referred to as second mortgages.When homeowners apply for home equityloans or lines of credit, they are borrow-ing against the equity value in theirhomes. A home equity loan is a term, orclosed-end, loan. It is a one-time sumthat will be paid off over a set amount oftime with a fixed interest rate and thesame payment each month. This is a one-time loan from which a person cannotborrow further. A home equity line ofcredit, or HELOC, is like having a creditcard. It’s possible to borrow a certainamount for the life of the loan, which is aset time specified by the lender. Duringthis time, homeowners can withdrawmoney as it is needed up to the value ofthe line of credit. HELOCs typically havea variable interest rate that fluctuatesand payments can vary depending on theamount of money borrowed and the cur-rent interest rates.

• Title I property loan: Residents ofthe United States with limited equity intheir homes may qualify for an FHA TitleI loan. Banks and other lenders are qual-ified to make these loans from their own

funds, and the FHA will insure the lenderagainst a possible loss. Title I loans canbe used for any improvements that willmake a home more useful and livable.They cannot be used for renovationsdeemed luxury expenses.

• Borrow against retirement funds:Some people opt to borrow against a401(k) plan, IRA or another retirementfund. If the retirement plan allows a loanwithout penalty, it can be another way tosecure funds. Because it is the homeown-er’s money, there will be no credit checkrequired and less delay in getting thefunds. Borrowers should keep in mindthat taking a loan against a retirementaccount will usually result in a lowerretirement balance than it would have

been had they not borrowed money fromthe account — even after the funds havebeen repaid.

• Credit cards: Credit cards are anoption when improvements are notexpensive. Individuals with excellentcredit ratings may qualify for cards with ano-interest introductory periods of sever-al months or more. These cards can be agood way to pay off moderate improve-ments in a short amount of time.

Many home renovation projects requirehomeowners to develop a home improve-ment budget. Homeowners are urged toexplore all options and find the leastcostly loan method and the one that willpresent the best possibility for avoidingdebt.

How to financeyour homeimprovement projects

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Painting is one of the easiest and leastexpensive ways to transform the look of aspace. The colors homeowners choose fortheir walls can give rooms their ownunique feel and even affect the moods ofthe people within them.

Finding the right shade for a bedroomor kitchen involves more than just select-ing the first color that catches your eye.Design experts and psychologists alike sayit may be worthwhile to choose a colorthat helps you feel good rather than justfollowing design trends. The paint coloryou pick may add energy to a space or cre-ate a tranquil retreat where you canunwind at the end of the day.

BlueTo create a spa-like environment and a

more serene space, look to shades of bluein soft variations. Cool blues are soothingcolors that can help lower stress levelsand promote sleep. That’s why blue is afrequent fixture in bedrooms and bath-rooms. Just be advised that too much bluecan make a room appear cold and stark, sobalance out blue with some warmeraccents.

OrangeMany people do not immediately consid-

er bright orange for their homes, but whenused as an accent shade, orange can real-ly brighten up a home. Orange is consid-ered a shade that expands creativity andimparts a youthful appeal to a space.Consider an orange accent wall or a burstof color with orange throw pillows. Ifpumpkin orange is a little too bold for you,tone it down by choosing a more pastel,peachy hue, which is equally warm andenergizing.

RedRed stimulates energy and appetite,

which is why the shade is so popular inrestaurants and home dining spaces. Red is a good choice for social gatheringrooms but may not be the wisest choice fora bedroom, as the color may prove

overstimulating.GreenGreen can evoke composure and tran-

quility and works in any room of the house.Since green is the primary color of nature,it also works well for those people whowant to bring some of the outdoors insideand work with the fresh starts and newgrowth that green can inspire. To makegreen feel less subdued and sleepy, workwith its complementary opposite, red, byusing a few bold red accents here andthere to balance out the tranquility ofgreen.

PurplePeople have long related purple to roy-

alty, and this dramatic color can add a for-mal, regal aspect to a home depending onthe hue. Purple also may help stimulatethe creative side of the brain. In palershades of lavender, purple can seemalmost ethereal and spiritual. Somedesigners suggest avoiding purple in abedroom because that is a place you wantyour brain to rest rather than be stimulat-ed.

YellowFew colors are more vibrant than yel-

low, which can help stimulate conversa-tion and make thoughts more focused. Aluminous shade of yellow is an ideal way tomake any space more welcoming andbright. Just use it sparingly, as too muchyellow may not be a good thing. Yellowaccents mixed with touches of purple canoffer the balance needed to prevent yellowrooms from overwhelming residents andguests.

Home decorators should keep in mindthat colors can be blended to create thedesired environment. A color schemebased on complementary colors, or thoseopposite on the color wheel, may fit.Otherwise, analogous color schemes, orthose colors that are next to one anotheron the color wheel, can create a variationthat suits your design needs.

The relationship between paint and mood

Transformingshades

up shower or bathtub. • Renovate the HVAC system.

Aesthetic improvements aren’t the onlyones that add value to a home. Many homebuyers are eager to purchase a home thathas a new heating and cooling system, asbuyers understand that furnaces and airconditioning units are substantial invest-ments that can last for years. Otherimprovements, such as adding attic insula-tion or replacing older windows and doorswith more energy efficient options, alsoare smart bets.

• Add illumination to rooms. A darkhome is a dreary home. Adding light canmean including more overhead and accentlighting. Under-cabinet task lighting is anice touch. Inclusion of skylights and suntubes can bring natural light into roomsthat may not have south- or west-facingwindows.

• Put a deck addition outdoors.

Outdoor living spaces have become moredesireable, especially as the “staycation”has grown in popularity. Decks and patioscan make backyards more appealing. Thescope of your investment will depend onthe size of the deck and design. Doing thework yourself can cut the cost of decks inhalf, but only if you have the specific toolsor experience to tackle such a project.

• Improve curb appeal. Adding attrac-tive landscaping and freshening up theentryway to a home can add considerablevalue to your home, as buyers judge homesby their exteriors. Completely renovatedinteriors may never be seen if buyers passup your home because of a less attractiveexterior. Classy, subtle changes, like well-placed shrubbery and a green lawn, canwork wonders. An inviting front door andwell-lit entryway also add curb appeal to ahome.

Before making improvements, home-owners should determine if a given projectwill provide a solid return on their invest-ment.

RenovationsFrom page 1B

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4D • FARRAGUTPRESS THURSDAY, FEBRUARY 26, 2015 SPRING HOME

as they likely have little or no financialvalue and it's safe to assume they serve nopractical purpose as well. Once clutterhas been cleared out, prevent more of itfrom accumulating by making a consciouseffort to discard items once they nolonger serve any practical purpose. Thisincludes old newspapers and magazines,as well as any other items that are likelyto sit in a pile or on a shelf for months onend. Preventing the buildup of clutterreduces the amount of time you need tospend spring cleaning next year whilealso improving indoor air quality.

• Use cleaners only when windowsare open. Many people get a head starton spring cleaning in late winter, whenthe weather might have started to warm

up but has not yet warmed to the pointwhen windows throughout the home canbe opened. Though there's nothing wrongwith starting early, avoid using cleaningproducts on days when you can't open thewindows. Many cleaning products containample or even just trace amounts ofchemicals that can compromise indoor airquality and may exacerbate existing med-ical conditions like respiratory ailments.When using cleaning products, try to do soonly when the windows are open andfresh air can enter the home.

• Ensure appliances are working atpeak efficiency. Spring cleaning is agreat time to inspect appliances to makesure they are operating efficiently. Cleanor replace filters on window air condition-ing units. Dusty or dirty filters will forcethe air conditioner to work harder anduse more energy to cool a room. In addi-

tion, dirty or dusty filters make units lessefficient, which means rooms won't coolas quickly on those scorching summerafternoons. Appliances forced to workharder also cost more money, and thosecosts can be considerable.

When checking appliances, be sure tocheck the refrigerator as well.Refrigerators are plugged in all day long,and those that are not operating at peakefficiency can cost you a lot of money inthe long run. Periodically clean the coilson the back of your refrigerator so it canoperate more efficiently, saving energyand money.

Vacuum cleaners should also beinspected before each use to make surereels are not covered in hair, which canmake it nearly impossible for the machineto collect dirt and dust from the floors.

• Use reusable cloths. Another way to

turn spring cleaning into a more eco-friendly affair is to forgo using paper tow-els in favor of reusable cloths. Reusablewash cloths can be just as effective atwiping down counters as paper towels,which require more and more trees to becut down and eventually end up in land-fills. If you are feeling especially eco-friendly, you can go the extra mile andcreate your own reusable cleaning clothsout of old clothes or linens, saving youmoney and making use of items thatmight otherwise have been headedstraight for a landfill.

Spring cleaning can rejuvenate a homeafter a long winter. Emphasizing eco-friendly techniques when cleaning canensure your home's revival is as beneficialto the environment as it is to the home'sinhabitants.

Spring CleanFrom page 1B

Homeowners hoping to expand theirhomes are faced with a number of choic-es. One of the first they will have to makeis which direction to take their expan-sion. Homeowners can choose to expandhorizontally, increasing the footprint oftheir homes, or vertically.

Professionals urge prospective remod-elers to consider the pros and cons toeach expansion option, including whichdirection to build.

One of the first considerations is landspace. Building horizontally will cut intoyard space that you may have already ear-

marked for a pool, shed or another fea-ture. Proximity to neighbors and thedimensions of your property will also helpto determine if expanding horizontally isa good idea.

Building codes and neighborhoodrequirements also must be consideredbefore making any renovations. Somemunicipalities may have rules in placethat govern renovations. Add-ons may notbe allowed to exceed certain height lim-its, nor may structures be built within acertain number of feet of property lines.

Homeowners who choose to build

upward will have to contend with workcrews and other staff being in theirhomes. Raising the roof may requirevacating the premises at a certain point.Also, extensive renovation work will beneeded on the lower level of the home,whether it’s to shore up the structure,clean up after the renovation or repairceilings, drywall and other componentswhere levels meet.

It may seem easier to expand outward,but this requires laying additional founda-tion for the new building structure.Bringing in digging equipment and

masons can be costly. When you build ver-tically, such foundation work may not benecessary if your home is structurallysound and can bear the weight of theaddition.

Building out typically involves the leastdisruption to your life and the existingspace. Homeowners should keep in mindthat any renovation will require permitsor variances. In addition, if the projectincreases the value of the home, homeinsurance costs and property taxes mayrise. Only after all considerations havebeen weighed should a project begin.

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Help your home’s exterior reboundfrom this harsh winter weather

The seasons can be harsh on homes,and perhaps no season is more taxing ona home’s exterior than winter. Harsh win-ter weather can take a toll on roofs, gut-ters, landscaping, and just about anyother part of the home that must face thecold head-on. The following are a fewareas of your home that might need somehelp rebounding from winter now thatspring has finally arrived.

• Gutters: Gutters are vulnerable to winter

weather, as strong winds may blow debrisinto the gutters or even blow the guttersoff of the house. Gutters should becleaned prior to and immediately afterwinter to ensure they’re working prop-erly and not backing up to the point thatwater can build up and damage the

roof. Reattach any loose gutters and clearthem of any debris left behind by winterwinds.

• Roof: The roof is another area of your home’s

exterior that may have been beaten downover the winter. Examine the roof forcracked, missing or deformed shinglesthat can allow water to enter a home anddamage its interior. Some roof damage isvisible from the ground, but homeownerswho just endured especially harsh wintersmay want to climb up on their roofs orhire a professional to get a closer look.Another way to determine if the roof wasdamaged is to go into your attic and checkfor water damage near roof trusses. Waterdamage indicates something went awryover the winter.

• Walkways and driveways: Heavy snowfall or significant accumula-

tion of ice over the winter can result incracked or damaged walkways, drivewaysand porches. Some of this damage mayhave resulted from aggressive shovelingor breaking up of ice. Look for any cracksin areas that needed shoveling over thewinter, as such cracks can be safety haz-ards and may even prove to be entrypoints into your home for water or crit-ters.

• Landscaping: Landscaping also tends to take a hit in

areas that experience harsh winters.Winter storms may damage trees, whichcan put a home right in the line of fallinglimbs or worse. Walk around your proper-ty to inspect for tree damage, removing

any fallen limbs or cutting down any limbsthat appear dead or that might eventuallyprove a safety hazard. In addition, checkthe grass for any dead spots that mighthave fallen victim to winter freeze, andaddress those spots when the time comesto revitalize your lawn.

• Appliances: When surveying your property after a

long winter, inspect appliances like a cen-tral air conditioning unit or even dryervents to make sure they made it throughthe winter unscathed. Such appliancesmay have proven an attractive nestingspot for animals over the winter, but dam-age can be significant if vermin or otheranimals seek shelter from winter weatherinside appliances.

6D • FARRAGUTPRESS THURSDAY, FEBRUARY 26, 2015 SPRING HOME

Tips for first renovation projects

Home renovations are typically exciting,as homeowners get to see the visions oftheir dream homes come to light rightbefore their very eyes. Turning an outdat-ed bathroom into a modern oasis or anempty basement into the ultimate mancave strengthens the sense of attachmenthomeowners have with their homes.

But few home renovation projects gofrom start to finish without experiencing afew bumps in the road along the way. Suchbumps can be difficult to handle for home-owners working on their first renovationprojects, but there are many ways fornovices to navigate the sometimes murkywaters of home improvement projects andcome out relatively unscathed on theother end, where a newly renovated homeawaits.

• Plan well and know what to expect.When working with contractors, get allagreements in writing and spell out exact-ly what you desire in a home renovation.Photo references can help guide contrac-tors and architects. Ask for the full pictureof what can be expected with the work,from demolition to the punch list.Knowing what lies ahead can keep yougrounded throughout the project.

• Discuss work each day and set pay-ment schedules. Make payments contin-gent on work completed. This can helpkeep contractors on schedule. Paying forall work upfront leaves homeowners at adisadvantage, as it does not provide incen-tive for workers to be timely and efficient.Check in with workers to get dailyprogress reports.

• Have reasonable expectations. Arenovation project may exceed its budgetand take longer than initially expected.Understanding that these potential set-backs might be part of the process willmake it easier to handle them when theforeman speaks to you about any issuesthat arise.

• Accept the mess. Construction workis messy. There’s no way to maintain apristine house when contractors areentering and exiting all day. Dust is boundto be generated, and tools can fill uprooms. A home in disarray can be stress-ful, but continue to visualize the endresult and the mess won’t bother you somuch.

• Establish a contingency plan.Bathrooms and kitchen renovations aretypically the most disruptive home

improvement projects. Going without akitchen can make it difficult to enjoymeals at home, while a bathroom remodelmay require you to navigate water shut-offs. If your project is scheduled to takeseveral months, establish a contingencyplan to deal with the consequences of yourrenovation project. Speak with familymembers about using some of their homeamenities, and prepare and freeze mealsin advance so you can reheat them lateron when you don’t have access to yourstove.

• Plan your escape. Sometimes theconstant work and mess of construction istoo much to bear. Afford yourself timeaway by visiting relatives or staying at ahotel. Even a single night away can pro-vide the relief you need.

A home that is undergoing a remodelcan be a less than comfortable environ-ment. But homeowners who have neverbefore lived through a renovation projectcan take several steps to make the processgo as smoothly as possible.

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