Navigating the home refinancing process

* Choose a reliable and trustworthy mortgage banker.



A mortgage banker is someone you should feel comfortable with, who should be frank with you about fees, flag potential issues, and help you make choices that best fit your financial situation. But where can you find the right mortgage banker?



"A quality mortgage banker will try to understand your goals and match your situation with the best possible loan, that doesn't contain hidden fees or surprises," says TJ Freeborn, mortgage professional at Discover Home Loans. "Mortgage bankers who are not looking out for you might sell you strictly on low interest rates or offer you a too-good-to-be-true deal without asking the proper questions or evaluating your needs."



Start by doing research online with unbiased resources. Reach out to family and friends who also have refinanced or are in the process and compare research. Also, if you know a tax advisor or a real estate professional ask them about any questions or concerns. They may be able to provide new insight to help with your decision.



* Do your homework on loan options.



All mortgages are not created equally. It's important to understand the components that go into determining the price of a mortgage, including points and fees, so you can accurately compare the offers. To find descriptions of home loan options, you can visit www.discover.com/home-loans/loan-options.



For instance, based on the situation you may choose an adjustable-rate mortgage versus a 15 year or 30 year fixed-rate loan. Make sure to evaluate your options with your mortgage banker and discuss what works best for you.



* Secure your low interest rate by locking it in.



Interest rates change almost daily and it's important to talk to a mortgage banker about ensuring the best time to lock in your rate. If the loan process takes too long, there is a chance your approved rate may expire and therefore potentially increase. You may have the opportunity to get an extension, but often the fee for an expired rate can be costly. Make sure to lock in your interest rate to avoid closing at a higher rate.



* Understand the costs and fees of refinancing.



Before you jump into refinancing, make sure you understand not only the mortgage refinancing rates but the costs associated with refinancing. Closing costs generally include fees for origination, the appraisal, attorney review, lender and title, as well as insurance, taxes and escrow. Check with your mortgage banker to make sure that the closing fees are reasonable and that you are aware of all the factors that impact your refinancing cost.



Refinancing may be a worthwhile savings opportunity, but make sure to consider all of the factors before concluding it's a wise financial decision for you.

Ideas for flooring in your home

Your home is your paradise, and if you are planning to renovate your home, go for the changes that not only catch your eye, but that they are also comfortable for you and your family. Remodeling is associated with adjustments in every nook and cranny of the home. If you are going to change the flooring of your home, there are some tips for flooring different parts of your house.



Bedroom flooring:



There are plenty of options when it comes to flooring in your bedroom. Being the most private and personalized part of your home, your bedroom is the place which uses a big part of your budget whenever you are remodeling your home; you can use carpet, tile, hardwood, bamboo, cork or laminate. Play with different materials in different rooms; you can opt for striped light and dark shades in your boy's room so that if your son is going to create mess ( which is unavoidable),the flooring can withstand the burden, and also the flooring can bear heavy traffic of the folks coming in the bedroom. For more powerful scratch and water resistant flooring, you can choose laminate.



Living room flooring:



Most of the traffic in a home happens in the living room, with people coming in and out of the house. It is highly recommended that the flooring should be strong enough that it can endure all such wear and tear done with your furniture, or to the increasing and decreasing ratio of visitors. For this purpose you can opt for hardwood flooring. Being classy and sophisticated in look it is the perfect choice for your living room whenever you are remodeling your home.



Kitchen flooring:



Design the floor of your kitchen in such a way that it not only looks pretty, but also gives a practical impression. You can choose from vinyl, tile, natural stone, wood, cork or laminate. A floor covering that is water resistant and durable such as tile, is the best choice to protect against potential water damage. Make sure when you choose your floor to order a little extra of the product, in the event that you drop something like a pot on your floor. If the flooring material is damaged, you will be sure to have enough to repair the floor because often, floor manufacturers have high turnover of their products, to insure a continual buying cycle. Most flooring contractors add 5-10% additional square footage of the flooring product to their purchase order to insure they have enough for the project and to provide the client with a little extra flooring for future use.

Can your child's after-school program lead to a STEM career?

"Multiple studies show that children who take part in quality after-school programs have better attendance, grades and behavior, and do better on tests compared to their peers who went home alone to an empty house," says Dan O'Donnell, vice president of the Bricks 4 Kidz after-school program. "Parents can help their children get a jump-start on life, and learn to love learning, by enrolling them in high-quality after-school programs."



It's important for parents to assess after-school programs with a critical eye, and consider how successfully a program combines learning with fun and basic care. While many programs are effective at keeping kids safely occupied after school ends but before parents are done with work, not all emphasize educational material. Programs that stimulate a child's interest in STEM (science, technology, engineering and math) subjects can be particularly valuable - possibly even inspiring an interest in a high-demand STEM career.



"We must prepare all students ... to be proficient in STEM subjects," the President's Council of Advisors on Science and Technology (PCAST) writes in a report to President Obama. "And we must inspire all students to learn STEM and, in the process, motivate many of them to pursue STEM careers."



An after-school program with a STEM emphasis can fulfill both the need to educate children and inspire a lifelong love of STEM subjects, experts agree. Parents seeking a STEM program for their children should look for one that:



* Offers creative and engaging activities that are as fun and motivational as they are educational.



* Encourages curiosity and creativity, which are building blocks of independent thinking.



* Draws on the real-life expertise of people working in STEM fields. For example, engineers and architects designed Bricks 4 Kidz modules.



* Uses familiar, loved learning tools, like LEGO (R) bricks, to provide hands-on, interactive STEM lessons.



"It's also important for a program's lessons to be age-appropriate," O'Donnell notes. "Children need STEM lessons at every age, which is why we offer programs for children ages 3 through 13. We use themed-based project kits to motivate children by reinforcing STEM principles, and at the same time boost self-esteem, improve fine motor-skills, and teach organization and how to follow directions. And we do it in such a way that kids have so much fun they don't think of what they're doing as work."



To find a Bricks 4 Kidz program in your area, visit the interactive map at www.bricks4kidz.com/locations. You can learn more about the programs and search for a location by state or ZIP code.



"STEM education is most successful when students develop personal connections with the ideas and excitement of STEM fields," according to the President's Council report. "This can occur not only in the classroom, but also through individualized and group experiences outside the classroom ...."

Teaching kids to brush their teeth

Kids in general either hate brushing their teeth or they simply couldn't care less. However, it is important to teach your kids how to brush their teeth to avoid dental and other health problems. With a little patience, creativity, and a handy tool, you should be able to get your kids to brush their teeth in no time.

For preschoolers

It's relatively easy to teach preschoolers, as long as it's fun for them and is done through rhythm and rhyme. Let your kids know that there are germs that we can't see living on their teeth and it's important to get rid of them. You can even make a song about teeth brushing.

When teaching your kids how to brush their teeth, first show them the proper way to go about it. Once you have demonstrated the up and down, round and round process of brushing teeth, hand your kids their brushes and let them try. Use a safe kids' step stool to help them reach the sink. Choose one that is self-retracting so that when your kids are done using the sink, the step stool automatically retracts underneath the sink and out of adults' way. Once they are able to do the whole brushing process themselves, make the event and exciting and joyous one. Clap and cheer for your kids. Tell your other family members how good the kids were and have them cheer for the children as well. Have your kids show other family members how they too can brush their teeth.

Things to do:

• Show your kids how excited you are about brushing, and get even more excited when they brush.

• Make brushing a fun experience.

• Ask them to show you how well they can brush their teeth.

• Make it a point to show other family members how good the kids can brush their teeth.

For Grades K-3rd

Kids this age learn things through presentation and repetition. Offer your kids to watch you as you brush your teeth, explaining things as you go along. Come up with creative analogies: "plaques are invisible bugs that eat away at your teeth. The only way to get rid of them is to brush your teeth."

Things to do:

• Regularly offer your kids to watch yourself brushing.

• Be consistent with brushing times

• Come up with creative analogies or explanations about brushing teeth

Grades 4th-6th

At this age, there is no better way to effectively teach your kids to brush their teeth than to show them what happens when a person does not brush his/her teeth. Gather pictures of people's teeth the have serious decay. Or better, get pictures of people with rotten teeth. During your visits to the dentist, teach your kids about proper brushing by asking for pictures of people who do not brush their teeth and explaining to them, "This is what happens to people who do not brush their teeth."

You can also add that there are health risks when they do not brush their teeth. Some of these include gum diseases such as gingivitis (swollen or inflamed gums), periodontitis, gum infections, bone destruction, and tooth loss. It has even been found that gum disease is a likely risk factor for heart disease and stroke for adults.

Things to do:

• Ask your dentist to share stories, pictures and information of the hazards of not brushing teeth.

by: Dana Mulder

http://www.articlecity.com/articles/family/article_4225.shtml

Common outdoor lighting mistakes and their solutions

Upgrading your home's exterior lighting is a surefire way to increase your home's curb appeal and resell value. And a well-lit front lawn can also deter would-be burglars. Most of the outdoor lighting of one's home adds a welcoming touch for family and guests. Here you can learn about outdoor lighting trends, common lighting problems and their solutions, and things to consider when selecting outdoor lighting fixtures.



First and foremost, it's important to give a considerable amount of thought to the placement of your outdoor lights. Just as you would not place several lighting fixtures like table lamps or wall sconces in a single area of your living room, you don't want to place exterior fixtures too close together either. This is a common problem when integrating pathlights into your outdoor lighting solution. Too many pathlights, too close together can make your walkway look more like the runway at an airport. Instead of placing the lights directly opposite one another on either end, try a staggered approach. The light will flow less harshly.



Another common mistake in selecting outdoor lights is in finding the proper lighting direction, or limiting "light pollution". Outdoor lights should not obstruct one's vision or interfere with one being able to see the entire landscape of a yard or area clearly. On a similar note, the lights should not shine directly into the road or a neighboring yard either. To avoid such issues, look for spotlights with glare guards.



Just as it would be boring to find the same exact lamp in every room of one's home, it's boring to see the same outdoor lighting fixture repeated throughout the yard. It can make the home appear institutional as opposed to personal. Use a wide variety of fixtures to light your yard; it will enhance the character and charm of your home.



Be sure to balance your home's exterior lighting. Another common mistake in outdoor lighting placement, is to inadvertently divide the yard by placing too many lights in one area and too little in another. You want to evenly distribute light throughout the canvas of your home. You don't want your yard looking like a parking lot.



Finally, like most things in home décor, less is more. Outdoor lighting should call attention to the beautiful and unique features of your home. It should not be intrusive. Proper outdoor lighting calls attention to various parts of your home's exterior, not the entire surface area. Over illumination is never attractive indoor or outdoor.



by: Melinda Cayetano

http://www.articlecity.com/articles/home_improvement/article_7064.shtml

NOVEMBER 2015 MARKET UPDATE

November 2015

Included in this blog post is a link to my Real Estate Update Newsletter. Please click on the link below to get the latest Real Estate Update for November! If you have any questions, please don’t hesitate to call or email my office. 

614-882-6725

delena@delena.com

http://realtytimes.com/204/DeLenaCiamacco

I spy with my little eye: nutrients kids need for healthy vision

While many parents worry that their children aren't getting the right nutrients for proper overall growth, many also overlook the specific need of vitamins and nutrients for eye health. If their child's vision is OK, then there's no cause for worry. In fact, only 14 percent of parents are worried about their children developing vision problems in the future, according to a recent survey by Kelton/DSM Nutritional Products.



Now's the time to help children make food choices that are healthy and provide the right nutrients for their eye health. While carrots are a no-brainer when it comes to providing beta carotene (pro vitamin A) for healthy vision, a slew of other nutrients are necessary for eye health, including vitamin E, lutein, zeaxanthin and the omega-3s DHA and EPA.



If you have a picky eater, try sneaking in foods that are rich in these eye-healthy nutrients. Dark leafy green vegetables (kale, spinach, collards and turnip greens), eggs, broccoli, peas and corn are super stars when it comes to providing lutein and zeaxanthin. Fatty fish provide the omega-3s DHA and EPA. Oils, wheat germ and peanuts are loaded with vitamin E.



Registered dietitian and author, Elizabeth Somer, provides ideas on how to sprinkle in these nutrients into everyday meals.



Idea 1: Whip steamed chard or spinach into mashed potatoes to make a healthy and eye-catching dish for your kids that is rich in lutein and zeaxanthin. Green mashed potatoes, anyone?



Idea 2: Grate carrots and add them to pasta sauce to give it a boost of beta carotene.



Idea 3: Barring any nut allergies, blend peanut butter, wheat germ and a bit of honey to use as a fruit dip or sandwich spread. The peanuts and wheat germ add a kick of vitamin E.



Idea 4: If your kids won't eat fish to get their fill of omega-3s, look for foods, beverages and supplements fortified with fish oil or a vegetarian source of DHA from algae.