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Helping moms get finances on track for now and the future

(BPT) - Being a mom is a full-time job. No matter how old the children are, a mom is on call at all hours of the day and night, responding to injuries and broken hearts, handling homework questions, setting household rules, and establishing consequences if said rules are broken. But moms often have other jobs as well, juggling household chores, managing finances and often holding a full-time job.

Unfortunately, when the work load becomes too much, something can fall by the wayside, and often that something is finances. Only 24 percent of moms report they are satisfied with their current financial situation. They admit they are struggling to make ends meet, or are worried about their financial future, according to the -State of the American Mom Study released by Massachusetts Mutual Life Insurance Company (MassMutual).

"It's no secret in today's world that moms are stretched thin, but their finances shouldn't have to suffer as a result," says Tara Reynolds, corporate vice president with MassMutual.

Moms can get their finances on track with a few tips from MassMutual:

* Be prepared - Emergencies are not predictable, but if you have an emergency fund, you can protect yourself and your future plans for your family if you find yourself in a troubling financial situation.

* Protect your income - Families often don't take into account the salary a stay-at-home mom would earn if she were to be paid for the work she does. If something were to happen to you as a stay-at-home mom, preventing you from doing these duties, your family may experience some troubling out-of-pocket expenses. With the help of a financial professional, you can explore financial options to ensure that you're planning ahead adequately no matter what the future holds.

"Luckily, finding an experienced professional for your finances can be easier than finding help for child care or other things that cause stress for today's moms," Reynolds says. "This can make all the difference in helping moms achieve financial security for themselves and their families."

* Plan now, not later - Don't procrastinate when it comes to planning for your financial future. No one knows what the future will bring, so now is the time to sit down and think about how to pass your assets - but not your taxes - to your heirs.

* Have the talk - Schedule a monthly meeting to sit down with your spouse or significant other - or children if they're old enough - to discuss your finances. It's critical for family members to have a full understanding of all debt and assets in order to build a realistic plan.

The survey found only one-third of moms currently use the services of a financial professional to help them with their investments and insurance needs. Set up a meeting today to get your finances on track for both your current needs and those of the future.

Think of lighting as art for your home

Lighting is possibly the most powerful tool you have when it comes to interior design. It does not make sense to invest in beautiful furniture, rugs, paintings and accessories if they are in the dark. The perfect light fixture not only illuminates a space - it is also a beautiful, decorative design element.



"When looking for a light fixture, think of yourself as a curator looking for a perfect piece of art," says interior designer Laurie Smith, known for her role as a featured designer on the hit television show Trading Spaces. Smith says, "Like art, a fabulous fixture can make a strong design statement, as well as provide illumination for your space."



Often consumers do not realize the difference updated lighting can make in their homes. Smith suggests finding one special piece and building a room around it. "In design school, we learned that lighting is the most exciting and mysterious medium in design. Lighting is sculptural; it's textural, it's exciting," she says.

"There are so many varying styles and designs in lighting today that the possibilities are endless. Different materials and shapes are just part of what goes into determining that perfect fixture," says Smith. "For instance, do you want the shape of your piece to contrast with your room's schematic or coordinate with it? Taking a traditional fixture and placing it into a modern setting creates interest through contrast, while taking a sleek modern fixture and putting it into a traditional setting infuses new vitality and a sophisticated accent."

With so many choices on the market, the task of selecting a light fixture can be difficult and overwhelming for many homeowners. It's just a matter of developing a plan or one idea. To help consumers get started, Smith talks about the importance of lighting to interior design in a new video series. Each minute-long video focuses on a different aspect of lighting and ways to incorporate it into every homeowner's design plan.

Videos in the series include:

* Choosing the Right Lighting Fixture

* Find an Object of Inspiration

* The Impact of a Single Lamp

* Lighting Fixtures as Art

Whether looking for one fixture or a complete lighting design plan, a great place to start is at a lighting retail showroom. There you will find professionally trained staff to help you select the perfect light for your space.

Anthony Bourdain talks last meal on earth, advice for restaurateurs; old-school cocktails

(BPT) - TV's best-fed hedonist, Anthony Bourdain, is keeping busy these days with his hit travel series "Parts Unknown," his publishing career and an upcoming appearance at this year's National Restaurant Association Restaurant, Hotel-Motel Show in Chicago. Love him or hate him, Bourdain is the biggest, baddest food dude on the planet. The self-proclaimed "chef slacker" shares his advice for restaurateurs and new chefs, and talks about his desired last meal on Earth and love of old-school cocktails.



Q. You have 24 hours left on Earth: Where would you go, and what would you eat?



A. "Sukiyabashi Jiro in Tokyo. I would sit down in front of the greatest sushi master that I've ever met and eat whatever he puts down in front of me. That would probably take about 22 minutes, if past experiences are my guide. I've had it before, and it's one of the greatest meals of my life. If I'm going to be shot in the back of the head after a meal, that would be a good way to go."



Q. You've made it well-known that you started in the restaurant industry by washing dishes. What's one piece of advice that you wish you could tell your former self about the restaurant industry?



A. "I was a very happy dishwasher! I just wanted to be part of it. I didn't want to necessarily rule the world. I made a lot of decisions along the way where I chose to have fun rather than to excel. I chose to be a chef rather than the student of a really talented first-rate chef. I made a conscious decision not be the best that I can be. I was pretty set in my ways about the kinds of kitchens that I felt comfortable in and wanted to work in, and that was not conducive to me ever becoming a Michelin-starred chef. I think that the greatest lesson I ever learned in the restaurant business (and I learned it early) was: Show up on time. Whatever work, whatever commitment, you have, always show up on time to show the people who you work with the respect that you can at least do that."



Q. Which chefs are most exciting to you now that you could see establishing future partnerships within your publishing career?



A. "For the chefs that I've published and hope to publish, it's not just about the food. It's people who are doing interesting things and who have an interesting story and point of view. The recent chef books I would have loved to publish would be Gabrielle Hamilton's memoir (Blood, Bones & Butter: The Inadvertent Education of a Reluctant Chef) of The Joe Beef Guys. There are real voices there of people who are saying something new and interesting to create a whole world and mindset that explains the food. Generally speaking, I look for someone who has a powerful voice and can explain why they cook the way that they cook in a personal and dynamic way. Roy Choi's book is coming out soon, and I think that he will be a good example of that."



Q. What's the best advice that you have for restaurateurs facing the challenges of today?



A. "Today's restaurants need to have a concise vision of what they are good at and what they have to offer that is different from the guy across the street. Restaurateurs need to speak in a strong confident voice, saying, 'I might not be good at some things, but I'm good at this, and this is what I'm going to do.' I think the days of trying to be everything to everybody are over now. We have an empowered chef class now and a much more curious, daring and younger dining public. I think the future is going to be chefs who speak with a coherent, concise voice with a real identity. Own that this is what I do. More of like in Asia where you have the roast duck guy and the chicken and rice guy."



Q. What do you look for in your favorite cocktail?-



A. "I am a big fan of cocktails, but if takes you more than 10 minutes to make it, there's a problem. I'm an old-school guy: Give me a good Manhattan, old fashioned, or the perfect Negroni with the finest gin, vermouth and campari with maybe a slightly toasted almond zest, and I'm a happy guy. I think the standard for me is, is the drink that I'm about to make with bourbon better than bourbon?"

For richer or poorer: Don't let newlywed bliss turn into financial nightmare

"Communication is a key part of a strong marriage, and it's also the basis for a strong financial partnership," says Barrett Burns, president and CEO of VantageScore Solutions. "Being proactive before and planning ahead of the wedding while sticking to a financial plan will help guard against common financial mistakes that can occur early in a couple's life together."



To start your new life together with a strong financial foundation, check off a few important money to-dos before you say "I do!"



1. Have the debt talk



All couples must have the debt talk. It may not be romantic, but it is necessary in order to plan a bright future together. Be open and honest about debt, savings and spending habits, even if they are less than perfect.



Financial turmoil is one of the top reasons cited for divorce, so understanding each other's finances today and what goals you have for the future will help reduce stress on your partnership. With the average college student graduating with $26,600 in student loan debt, according to The Project on Student Debt, young couples need to create a plan for managing debt and saving for the future.



2. Control wedding spending



The "big day" is a defining moment in life, but it's important for couples to remember it's just one day of many that they will spend together. Weddings and related events cost a whopping $28,427 on average, according to theknot.com, and that doesn't even include the honeymoon.



"When it comes to young couples planning a dream wedding, the plastic tends to be relied upon," says Burns. "It's important to be realistic about how much you can spend. Becoming over extended on credit cards is a common mistake, and this type of high-interest debt is not the wisest way to begin your lives together."



The best course of action when it comes to wedding planning is to create a budget and stick to it. It's not necessarily bad to use credit, especially if you can take advantage of a credit card rewards program, but Burns advises only charging or borrowing what you know you can pay back in a reasonable amount of time as keeping high balances and missing payments can have significantly negative impacts on your credit score, which in turn leads to stress.



3. Work together to build a positive credit profile



Married couples do not have joint credit files or credit scores. Each individual has their credit files with the credit reporting companies and their own credit scores, but in some cases like when joint accounts and co-signed loans are created, the actions of one can impact the other.



"It's common for younger people who are just beginning their financial independence to not have much, if any, credit history. It's important to be proactive and take steps to build a positive credit profile and score so you can demonstrate to lenders that you are a good manager of credit," says Burns.



Get a copy of your credit report and resolve any issue you may have with the information presented in it. If you have a limited credit history, carefully consider the benefits of joint accounts, but keep in mind that the positive financial actions like paying bills on-time and keeping balances low, as well as actions that can have negative impacts like missing payments will influence the couples' individual credit scores.



"The importance of paying bills on time cannot be understated," says Burns. "A single missed payment can drop each person's credit score 80 to 100 points. This can affect a couple's ability to get the best interest rates and terms for a loan."



Another important step in building credit after a marriage is to make sure that all financial lenders are aware of name changes. "If you choose to change your name after you are married, make sure all your accounts have your current information, otherwise positive actions may not get reported correctly or in a timely manner," Burns says.



4. Shop around for rates



"Whether you're taking out a personal loan or selecting a credit card, you absolutely must shop around for rates," advises Burns. "Don't just take the easiest or first option. You want to get the best deal available with low interest rates and reasonable terms."



When shopping for rates, Burns notes to do so within a two week period of time. Credit inquiries from auto and mortgage lenders and credit cards issued from banks and credit unions are only counted once if done in a two week period causing just a slight decrease to credit scores.



Finally, couples soon to be married or those that recently were married can also test their knowledge about credit scores at www.CreditScoreQuiz.org, a website created by VantageScore Solutions and its partner, Consumer Federation of America, one of the largest consumer advocates in the country.

MARCH 2016 MARKET UPDATE

March 2016

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 March! If you have any questions, please don’t hesitate to call or email my office. 

614-882-6725

delena@delena.com

http://realtytimes.com/208/DeLenaCiamacco

Hiring tips to help avoid nanny nightmares

(BPT) - Movie nannies might work for a spoonful of sugar, and hugs and kisses, but in the real world nannies - no matter how loving and attentive they are - need to get paid a salary. When you're ready to hire a nanny, you can go through the most rigorous background checks, confirm references, interview extensively and hire the caregiver of your dreams - and still find yourself in the middle of a nanny nightmare if you run afoul of tax laws.


Fortunately, online payroll services can help take the confusion out of paying your nanny, and ensure he or she gets paid on time and according to the law. Although nanny-hiring goes on year round, many more families may undertake the task as the school year gets started. SurePayroll offers some tips for hiring and paying a nanny:

* Make a list of nanny must-haves, such as schedule availability, disciplinary practices, experience with multiple kids, etc. Next, create a list of preferences that are negotiable. Setting your priorities before you begin looking for a nanny will help you make the right decision.

* Involve others, including people whose referrals you trust, such as family members, friends, teachers and co-workers. Ask them for help in finding candidates, and don't forget to involve your kids. Give them a few minutes to meet each nanny candidate during the interview; after all, they'll be the ones most affected by your choice.

* Remember, you're entering a business relationship - albeit one of the most important ones in your life. Keep things professional during the interview and be sure to ask all the tough questions about topics that are important to your family.

* Don't overlook online resources and professional organizations. Selection services like SitterCity can help you identify and screen appropriate candidates, and the International Nanny Association provides information, advice and a directory on its website. Be sure to use background checks, which can easily be done online, check multiple references and personally interview every candidate at least once before making a final decision.

* Discuss wages and base your offer on the nanny's level of experience and what other nannies in your area are getting. Federal law requires nannies must get at least minimum wage, and they may be entitled to overtime.

* Prepare paperwork to ensure you can avoid tax penalties. You'll need a 1040-ES, a signature-ready Schedule H, the annual 1040 and a W-2. If you pay a seasonal nanny more than $1,000 per quarter or $2,000 per year, you'll probably need to pay the "Nanny Tax," which includes Social Security, Medicare and federal unemployment tax (FUTA).

* Set up payroll for your nanny, and plan to pay him or her by either direct deposit or check. You'll need to make provisions to pay Social Security, Medicare, FUTA and other payroll taxes, including any state or local taxes that may apply. Track tax deductions, medical benefits and other insurance. Remember, mistakes can cost you: failing to pay the IRS nanny taxes can lead to back taxes, penalties, interest and fines of up to $25,000.

An online payroll provider like SurePayroll can help you stay on the right side of the law by managing the pay, tax and filing tasks for your nanny. Log on to www.surepayroll.com to learn more.

"Your nanny will be one of the most important people in your family's lives," Bolas notes. "It's important to start off on the right foot with good communication and ensuring payroll tasks go smoothly."

A fun approach to teaching kids nutrition wisdom

"The more parents can do to involve children in the process, the decisions on what they are eating and where their food comes from, the better off they will be at helping them learn reverence and appreciation for food," says Anni Daulter, professional cook, nutrition expert, and author of several books, including "The Organic Family Cookbook."



Here are some simple yet effective tips from Daulter to get your kids excited about nutrition and help them make good food choices:



1. Make mealtime special



"In our fast-paced lives, we have somehow lost the concept that eating is not just about the actual food. It's about the connection, the time spent enjoying every bite, laughing, talking and sharing. Our families need this time together," Daulter says.



Create a routine. Consider starting dinner at a similar time each night. Designate different nights for different types of meals, such as vegetarian Monday, or make-your-own pizza Saturdays. Have children help with the meal prep and cleanup, if age-appropriate. Light a candle during dinner, and allocate plenty of time for conversation - it's one of the best ways to bond with loved ones.



2. Adopt a healthy morning routine



While most families are time-crunched on weekday mornings, it's important to make time for breakfast so kids get the nutrition they need before heading to school. Healthy breakfasts incorporate whole grains, protein, fresh fruit, and supplements that support brain and body health.



"Supplements can be an easy way for mom and dad to ensure that their children get the important nutrients they need, especially during busy mornings," says Daulter. "I recommend giving kids a boost of brain-building nutrition with a kid-friendly omega-3 supplement. I like chewable, strawberry-flavored Nordic Naturals Children's DHA. This essential nutrient is brain food, proven to support brain growth and health. Additionally, omega-3s support a healthy immune and nervous system, too."



3. Create tasty school lunches



"When your children are fed better, they learn better," says Daulter. "Their bodies react to being fed good pure foods that give them the fuel they need to get through each and every school day."



Save time by making lunches the night before or do a big Sunday cut-and-chop day for raw ingredients throughout the week. Here is a sample of what you'll find in Daulter's children's lunch baskets:



Black Bean Soup Lunch

* Classic Caesar salad

* Homemade wheat parmesan chips

* Raw: Asian pears and clementines



4. Have healthy snacks on hand



"Kids bodies tend to be more in tune with their internal signals and they inherently seem to know that they need more little meals throughout the day, rather than three big meals," Daulter says. "Eating smaller portions frequently throughout the day provides more energy when we need it and is easier for our bodies to digest."



Daulter keeps several small kids tables throughout the house so her children can nibble on snacks while they continue to play. What sorts of things does she like to feed her kids for snacks? Nuts, homemade fruit roll-ups, pumpkin seeds, veggie popcorn, fresh fruits, carrot sticks, and cheese are all healthful snacks that keep kids' bellies full.



5. Teach healthy eating habits through activity



"My kids and their friends love to cook and help us prepare meals, and the more we include them in the process, the more invested they become in their own health," says Daulter.



You may be surprised by how excited your children get by being involved in the entire meal process. When you go to the grocery store or farmers market, have children help pick out veggies. If you grow your own, let them pick the produce and help wash, peel and prep it for meals.



"Even the youngest child can help mix in flour for fresh bread or learn to whip her own honey butter," says Daulter. "These tasty teachings will not only give them practical and valuable life skills, but will leave them with loving memories of family cooking days that were spent laughing, creating, and of course, eating!"

Couples who design together, stay together

Paint is prime



Adding a splash of color (or two, or three) is a low-cost way to liven up the blank canvas of your home. While neutral colors are ideal for selling your home, living with them might be a different story. If you want to evoke emotion, establish visual intrigue or set a certain mood, color is the best way to get the job done.



And you don't have to stick with just one color throughout your home. Highlight an accent wall in your living room with a darker shade or apply a funky wallpaper print. Or, paint your kitchen red with shades like Crisp Crimson or Rocket Red from Dutch Boy, as it increases appetite and elevates passion, perfect for a romantic dinner for two. Purples such as Plumes or Merlot Grape, also from Dutch Boy, have been known to induce passion, ideal choices for a couple's bedroom.



Art and soul



Bringing artistic elements into the space is an easy way to add personal flair. From wall decor and blown glass accents to picture frames and candles, no decorative piece is too small to make a big impact. Display items in groups of three for a dramatic display. Candleholders or vases in varying heights or complementary color schemes can marry two styles easily, and pairing a gothic frame with a softer, lace-applique can actually bring great dimension to an overlooked nook of the home.



Just because you're a fan of Monet and your partner prefers Picasso, that doesn't mean you can't proudly display your favorite pieces for all to enjoy. While Picasso's pieces seem more abrupt and geometric, by combining with larger, softer pieces from an impressionist painter like Monet, you can actually blend the two artistic styles seamlessly.



The perfect mix



Don't be afraid to mix various textures and patterns. This will add dimension to the space, transforming a flat and otherwise boring look into a world of wonderment. First, pick a main color you want to focus on, which will be the anchor color for the space. Let's say you choose blue for this role. Lay all blue fabrics on the floor - window treatments, rugs, pillows and blankets. You'll immediately notice some that seem out of place. Remove these from the pile and you'll begin to notice an interesting cohesion among the remaining fabrics. Next, you'll want to incorporate a complementary color. If blue is your anchor color, add hints of orange to the mix for a playful pop.



Also, be mindful of the pattern's scale. If you have too many large scale patterns in one space, they will be competing with each other, adding unnecessary drama. Keeping it to just one large scale print and several mix-and-match small and medium scale prints will create perfect harmony. In terms of texture, pairing coarse fabrics with smooth variants will add yet another level of dimension to the space. While too many coarse items can seem overbearing, by adding some softer, more feminine textures you can actually create an interesting, eye-provoking combination.



Taking the time to blend your and your mate's style preferences can be a rewarding experience. Throughout the process you'll learn his or her likes and dislikes while having fun in the process, creating a stronger, more unified couple. And by playing around with colors, textures and patterns, the end result will be a well-designed joint space that stimulates the senses from start to finish.

Surprising ways hot tubs heat up relationships

(BPT) - On average, working adults spend less than an hour per day socializing and relaxing, according to the Bureau of Labor Statistic's American Time Use Survey. Yet a host of research - and common sense - tells us that spending time together in a social, relaxing way is essential to building and maintaining healthy relationships.



Recreating that spark or special connection with your spouse or significant other, free from the distractions of everyday life, isn't as difficult as you may think. The answer can actually be found in your own backyard when you add a hot tub to your outdoor living space.



The therapeutic benefits of hot tubs are well documented - 79 percent of owners say they value the therapeutic health benefits their hot tubs present, according to a survey by the Association of Pool & Spa Professionals (APSP) - but many owners point to another significant benefit: the ability to spend more time with their partners.



Seventy-seven percent of owners say their hot tub is one of the few things that can truly take them away from the day-to-day stresses of life and allow them to reconnect with their partner.



Here are three surprising ways hot tubs can add some spice to your relationship:



* No distractions



The relaxed atmosphere of a hot tub promotes meaningful interaction, owners reveal. Hot tub owners typically say they use their hot tubs as a way to connect, and 82 percent say they are extremely satisfied with the level of relaxation it provides. Relaxing together outdoors, enjoying nature and each other's company without the distraction of ever-present digital devices, is a great way for couples to rediscover the things that drew them together in the first place.



* Stress soothing



Life can be pretty stressful. Countless studies tell us that too much stress is harmful on a number of levels - physically, mentally and socially. Common stressors such as money are leading causes of strife in marriages and even lead to divorce. The warm water and effervescence of hot tubs relieve stress and soothe sore muscles, allowing couples to refocus on what's most important in their lives: each other.



* The vacation effect



Something about vacation spells romance for couples; more than one getaway has led to a new addition to the family nine months later. While taking a trip more than once or twice a year isn't always practical - the average American family spends about $1,180 per person on vacation travel according to an American Express survey - a hot tub can create the vacation effect in your own backyard, and allow you to experience that special feeling of romance every day.



Spicing up your relationship begins with the right tub, and finding the right hot tub starts with a professional you can trust. APSP Certified Professionals adhere to the highest standards of service, performance and ethical conduct. Visit the APSP website to find a professional near you.

Create an outdoor sanctuary in your backyard

(BPT) - Coming home from a long work day to a place of peace, quiet, relaxation and even harmony is a dream for many homeowners. And by creating an outdoor sanctuary in the backyard, this private place of solace will become the first destination for all members of the family when they need a break.



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.

Home improvements that make your home more valuable

Curb appeal



When it comes to first impressions, house hunters first notice curb appeal, or lack thereof. In fact, according to the National Association of Realtors, curb appeal is important to 71 percent of homebuyers. So beautify the outdoor space to attract possible buyers by focusing on small exterior improvements that'll pay off big like planting seasonal shrubs, painting the front door, refreshing a rusty mailbox or replacing old porch lighting with updated fixtures. These minor details will make a major and lasting statement. At the very least, you should clean the yard of any debris, trim trees and spread mulch in planting beds.



Take outdoor renovations to the next level by transforming the look of your home completely with a fresh coat of paint. Be mindful of your home's location when selecting paint colors. Bold or bright colors might be the norm in Florida but wouldn't look right in a region like the Pacific Northwest where neutral earth tones are popular.



You can also increase the value of your home by giving your siding material an overhaul. Remodeling magazine suggests replacing aluminum and vinyl siding with a durable fiber-cement mixture, which will recoup about 88 percent of its cost upon resale. It resists fire, rotting, moisture and termites - all potential hazards that could otherwise end up costing thousands.



"Let your insurance agent know whenever you complete a renovation project to make sure any new upgrades to your home are properly covered under your existing policy. If not, your agent can work with you to make sure you get the coverage you need," says Erie Insurance Vice President and Product Manager Joe Vahey. "In addition, some home improvement upgrades may entitle you to discounts, especially if renovations make the home safer or more secure." For example, Erie Insurance offers discounts for installing smoke alarms or a central station alarm. Erie also provides a discount for installing sprinkler systems in your home.



Bed, bath and beyond



As house hunters head indoors, there are a few things that are likely to increase a sale. Most tend to look at kitchens and baths first. Experts recommend timeless fixtures instead of trendy ones since they hold their own over time and appeal to buyers who favor both contemporary and classic looks. Don't waste your money on fancy fixtures and features - they rarely make or break a sale.



Most people seem to think that a huge kitchen overhaul is necessary to snag interested buyers. However, Remodeling Magazine reports that you'll actually recoup 8.5 percent more of the costs of a minor kitchen renovation compared to a major kitchen renovation. So instead of redoing the kitchen completely, accomplish a few minor DIY kitchen updates like changing out faucets and lighting fixtures, painting cabinets, adding new hardware to drawers and cabinets, and replacing old appliances with newer (and often more energy-efficient) models.



Experts also say that adding an attic bedroom and finishing the basement are two of the largest renovations that give you the best return on your investment, allowing you to recoup more than 84 percent and nearly 78 percent of the cost, respectively.



Before jumping into complicated or expensive DIY projects, take a moment to assess which ones are worth your time and money. Test your knowledge of which home improvement projects give you the most bang for your buck at www.eriesense.com.



No matter what updates you end up doing, it's always a good idea to regularly assess the value of your home. This will assure you're asking for an appropriate return on investment when you finally decide to put it on the market.

Create an outdoor sanctuary in your backyard

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.

FEBRUARY 2016 MARKET UPDATE

February 2016

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 February! If you have any questions, please don’t hesitate to call or email my office. 

614-882-6725

delena@delena.com

http://realtytimes.com/207/DeLenaCiamacco

Beyond white: Hot color trends for the kitchen and bath

Consider these top five color trends for kitchen and bath spaces:



1. Gray reigns king



The NKBA Trends Report names gray the coveted color of the year. According to the report, use of gray color schemes in both kitchens and baths has dramatically increased, particularly over the past year. The hue is currently used in 55 percent of kitchens and 56 percent of bathrooms.



"I regularly work gray into my projects because it instantly elevates the design and adds depth to the palette," says senior interior designer Travis Rotelli, who works at the Kohler Design Center in Kohler, Wis. "I love incorporating it with Kohler enameled cast iron sink - there are five different shades of gray to choose from, which makes it easy to find one to complement the other colors in the space and then echo that shade through the backsplash tile or paint color."



2. Bold and beautiful hues



Neutrals are classic, but pops of strategically placed color add life to kitchen and baths. "Emerald and varying shades of green are hot pops of colors, and the color will be all about cobalt," states Rotelli. While he says "it" hues are fun, he encourages homeowners to identify colors they personally enjoy. "We all have one color we're always drawn to; the one that repeats in our wardrobes and home decor. That is the color to use as an accent in the kitchen or bath. Color trends come and go, but one that resonates with your design aesthetic and reflects you as an individual you'll always love," Rotelli says.



3. Evolve from white



Neutral no longer simply means white. Homeowners are eagerly embracing other colors in place of white, like Dune from Kohler, available for sinks, baths, shower bases and toilets. "Dune is a subtle balance of beige and gray that brings a cool tone to the space - a true neutral that works well in place of white and adds a nuance of sophistication to the room's color palette," says Rotelli.



4. Colors that evoke emotion



"Color psychology is a powerful thing," Rotelli says; restaurants use appetizing hues to stimulate hunger, and stores harness its influence in hopes that you'll shop more. "Certain colors can evoke certain emotions throughout the home, as well." Homeowners who keep the emotional aspect of color in mind during the design process reap the reward of a truly personalized space. "Blues and greens are popular bathroom choices for good reason: both evoke a soothing sense of calm and healing." When it comes to kitchens, Rotelli says people are often drawn to colors from their past, because it evokes fond memories from their childhood.



5. Unexpected color



When it comes to color, sometimes you need to break the rules. Some of the best kitchen and bath designs incorporate color in unexpected ways. Remodeling projects provide the perfect opportunity to incorporate color beyond a fresh coat of paint or new window treatments. "Glass tile in kitchens or baths make it easy to introduce new color and texture," Rotelli says. For those looking to create a more cultivated color scheme and palette, he also suggests thinking outside the box by considering a new faucet finish or incorporating new materials, such as metal. "I always encourage clients to have a little fun in the bathroom, and the sink provides a perfect opportunity, whether it's a cast iron sink in a bright color, or a vessel sink that serves as functional art and a focal point for the space."



If you're ready for color, but still feel a little unsure, Rotelli has one final piece of advice: "When you do select a color, bring samples, swatches and chips home. Let them sit in the space and observe them at different times of the day. Materials can look much different in your home than how they appear under the bright lights of a showroom," he says.

Sell your home faster with these cost-effective staging tips

Fortunately, many of the most effective staging trips are also inexpensive, from a thorough cleaning to decorator details. Here are five staging tricks that don't cost a bundle:



1. Cleanliness counts - Nothing turns off buyers faster than a dirty house. Before you list your house, give it a thorough top-to-bottom cleaning - something that costs nothing but the price of supplies if you do it yourself and a couple hundred bucks, tops, if you hire pros to do it for you. Don't overlook little details like baseboards, ceiling fans, blinds and shower doors. Include decluttering in your cleanup efforts, and remove excess items from your home, even if you have to rent a storage unit to do it.



2. Work those walls - Painting is one of the cheapest, easiest ways to help your home look fresh and great. Choose neutral colors that will appeal to the broadest range of buyers. Don't forget that neutral doesn't have to mean bland, either. Consider dressing up an accent wall, easily and cost-effectively with repositionable wallpaper or a removable wallpaper mural. Websites like MuralsYourWay.com offer a wide variety of repositionable wall coverings, called SmartStick, in a variety of designs. A patented adhesive makes it easy to install the mural - creating an eye-catching focal point for any room - and remove it later if buyers decide they don't want it. It's a great way to get a designer look at a fraction of the cost - and without the commitment of traditional wallpaper.



3. Fix up the fireplace - Sure, you're heading into summer selling season, but fireplaces charm buyers no matter what the weather. Make yours look its best. Old brick fireplaces can get designer flare from a coat of paint. If your fireplace is wood-burning, remove and clean the screen. If it looks tired and rusty, give it a fresh look with a coat of heat-resistant spray paint. For gas fireplaces, keep the glass clean and make sure everything is in working order. For a nominal cost, you can install a remote starter - a winning feature for buyers who can envision themselves starting a fire without ever having to leave the comfort of their couch.



4. Spruce up outdoor living spaces - If you have a deck or patio, do whatever it takes to spruce it up, from power-washing pavers and deck boards to staining tired-looking wooden decks. If you don't have a patio or deck, and don't want to spend a lot of money adding one, you can still create an appealing outdoor seating area. Mark off an area using stones or plastic edgers near the house or in a shady spot in the yard. Fill in with pea gravel or wood chips, then add an attractive bistro set - with umbrella - to create a pleasant seating spot.



5. Brighten the bath - Bathrooms and kitchens sell houses, yet many sellers are reluctant to sink any additional money into staging a bathroom. You don't have to spend a bundle to make your bathroom more appealing. After a deep cleaning, invest in some designer towels that only come out for showings. Put up a fresh shower curtain and get rid of those nasty area rugs that will make buyers think "germs." Add a small vase of fresh flowers on the vanity. Bring in more natural light by removing blinds and ensuring privacy with removable film that makes windows look frosted. Have a bathroom that doesn't have windows? You can really brighten it - and make a designer statement - by placing a removable wallpaper mural on the ceiling. Pick a sky scene with fluffy clouds on a blue background and you can even brighten a windowless powder room.



Staging a home can help make it more appealing to potential buyers, and ensure you sell it faster.

Simple steps to packing a better school lunch

"Packing the perfect school lunch is about ensuring all five food groups are covered, choosing foods within those groups that kids like and adding variety to the lunch box to keep kids interested," says Elizabeth Somer, a nationally-recognized registered dietitian and author. "Getting kids involved in the lunch packing process isn't just a great way to ensure kids are getting a lunch they're excited about, it's also a good opportunity to begin to teach children about nutrition and health."



To make the school lunch packing process fun and easy, Somer and Horizon Organic, a leading organic dairy brand, partnered to create a back-to-school resource called "5 Lunch Needs and 50 Ways to Please." So what are the five lunch needs and why are they important? Somer outlines the essential food groups and explains why kids need all five for a balanced lunch.



Low-fat milk and calcium-rich foods (recommended 2 to 3 cups per day)



Why milk? Bones are the body's "bank account," and deposits can only be made until the early 30s. After that, it's withdrawals only. So, the bigger the calcium bank account, the better off you are later in life. The biggest benefits come in the early years when the body is able to deposit the most calcium into the bones. A great option in this group is Horizon Organic Milk with 32 mg DHA Omega-3 Single Serve Milk Boxes, which are the only milk boxes with DHA Omega-3, a long-chain omega-3 fatty acid that has been studied for its role in supporting healthy brain development.



Whole grains (recommended 4 to 7 ounces per day)



Why whole grains? Diets that are rich in whole grains and fiber help fill kids up. Unlike processed refined grains, many 100 percent whole grains are low in fat, high-fiber, and packed with vitamins and minerals. Between 100 percent whole grain bagels, tortillas and hamburger buns, there's something to please any kid's palate.



Vegetables (recommended 1 to 3 cups per day)



Why vegetables? It's hard to have a healthy lifestyle without a plate heaped with colorful veggies. Veggies are where kids get things like vitamin C and folate, minerals, antioxidants, and phytonutrients. With significant numbers of phytonutrients now identified in veggies and fruits, these foods are important components of a child's diet. Steamed edamame makes a great lunch box finger food.



Fruits (recommended 1.5 to 2 cups per day)



Why fruits? Fruits are also packed full of fiber, vitamins and minerals like veggies, but they come in a sweeter package. For example, a handful of dried apricots have more iron than a half cup of cooked mustard greens. Kids still need veggies, but on days when they turn up their noses at asparagus, slipping in a few more servings of fruit can make up the difference. Creative melon pieces thanks to fun-shaped cookie cutters are always a hit.



Meats, eggs, and legumes (recommended 3 to 6 ounces per day)



Besides protein, the foods in this group are sources of minerals, such as iron and zinc, and vitamins, such as B vitamins. Fatty seafood, such as salmon, contains omega-3 fats which are associated with brain development in children. It's best to stick to lean and minimally-processed meats to cut back on saturated fats and sodium. Mini sliders made with organic, ground chicken or turkey and 100 percent whole-wheat buns are a great lunch box alternative to sandwiches.



The full "5 Lunch Needs and 50 Ways to Please resource," is available at www.horizondairy.com/nutrition/dairy-nutrition.

Three easy tips for cooking with kids

Keep your household free of the winter blues by following these simple steps to a successful and fun time with kids in the kitchen:



Establish good habits



Set good habits for your children by teaching them to wash their hands before, during and after cooking. Kid-friendly tools, like a small step stool or high-tech faucet, can help make reinforcing these habits even easier. Let your little sous-chefs know that they should wash their hands with soap and warm water for 20 seconds, by helping them count or singing the "Happy Birthday" song twice. Remember to set a good example by washing your own hands before and after eating and during the cooking process, as needed.



A Delta kitchen faucet featuring Touch2O Technology makes it easy to turn on and off the water with a simple tap anywhere on the faucet. Use the handle to set the water at a comfortable temperature for kids to lather up. When hands are messy, the back of a hand or forearm can be used to help keep the faucet clean and reduce the concern regarding mess or cross-contamination.



"As a lifestyle expert and baking connoisseur, I spend so much time in the kitchen and I'm always looking for ways to simplify things, especially when I have my son by my side," says Melissa Johnson, mother and founder of the popular lifestyle site, Best Friends for Frosting. "Touch2O Technology has made teaching my son the importance of washing his hands easier and lends a helping hand throughout the cooking process."



Different stages for different ages



Understanding which tasks your child is capable of doing is important. Children under 5 years old enjoy observing how recipes are compiled and can help out with small tasks like setting the table, while school-age children can strengthen their math skills as they help combine ingredients for recipes and practice cooking basics, like cracking an egg. This stage is a great time to introduce the importance of choosing nutritious ingredients for everyday cooking, which can help lay the groundwork for a healthy lifestyle. Tap teenagers for help by encouraging them to choose the menu or explore new and exciting cuisines.



Timing is everything



Avoiding a tight schedule is important. Instead of involving children in the dinner rush, enlist their help on a weekend afternoon when there is plenty of time for questions, experiments or careful demonstrations. Choose a time when everyone is well-rested and not easily frustrated. Plan ahead when deciding what recipe you will cook together. For younger kids, consider starting with a simple dish that has fewer than five ingredients like a fruit salad or an easy muffin recipe. A pizza assembly line allows children to show their creativity by choosing their own mini-crusts, sauces, cheese and toppings.



Visit www.deltafaucet.com/InspiredLiving to find kid-friendly recipes, and take a kitchen personality quiz.

Steps for creating the ultimate game day space

Store away the things you don't need



Since this space is likely to have quite a few visitors, it's essential that you can always find what you need and your buds have plenty of space to celebrate. Tip one: Never lose the remote. Velcro works great for securing the remote to a designated space on the wall; that way it's always in the right place. Tip two: cut back on the clutter. Consider installing some shelving units - nothing says team pride more than painting the selves in your team's colors. If you don't have the space, consider purchasing furniture pieces that do double work, such as a storage ottoman with a hidden mini-fridge or a chair with a built-in cooler.



Add some team spirit



Your favorite team doesn't have an ivory colored locker room, so why does your man cave? Embrace your team colors with a fresh coat of paint, a simple and cost-effective way to update your space. If your team has bright colors, consider painting a few items or striping the walls so it is not too overpowering. When painting the walls, pick up a Purdy White Dove roller cover. It's especially great for applying paint to large areas and can be easily cleaned and ready for multiple colors. White Dove covers work with all paints and exterior stains, especially where a smooth, lint-free finish is desired.



Allow your collections to manifest



Whether you enjoy building mini airplanes or have a slight movie obsession, make the space your own and showcase that plane collection, baseball memorabilia or movie theme. Having a place to enjoy your hobbies and your friends is a smart way to save space and showcase what you love. If you don't have any collections, consider hanging a few posters of the hometown teams. Looking to brag a little more? Create a custom banner symbolizing your championship last year in your fantasy football league.



Create your own halftime activities



You could sit there and watch the commentators and commercials for 20 minutes, or you can add some fun and competitive spirit to your man cave. If you have a small space, consider breaking out games like darts or cards. If you have more space, think about incorporating some larger games such as a vintage pinball machine or a pool table in the room.



Feed your friends



Designate an area of the man cave for food and beverages. To really set your space off, consider a vintage-styled popcorn machine or hot dog roller cooker. A slow cooker is also a game day essential for making chili. Sport themed plastic bowls are great for snack foods such as pretzels and chips.



By following these simple tips, the guys will be enjoying the game and your awesome space in no time.

Celeb worthy on-the-go snacking tips for a healthy new you

"Snacks help me stay motivated to keep moving throughout the day," says Ilyse Baker, dance and fitness expert to celebrities and creator of the Dancinerate fitness program and videos. "I'm always on the go, so I have smart snack options on hand to keep my energy up between meals."



By following a few simple tips from Baker, you can transform your snacking behavior and even eat more healthfully throughout the day.



* Be prepared. Having a few snack options on hand will help you make smarter decisions once hunger strikes. Slice up vegetables on Sundays to have available throughout the week to eat with hummus. Keep nuts, crackers and trail mix at your desk, in the car and in your gym bag so there is always a healthy snack within reach.



* Choose foods you actually like. It takes a strong person to nibble on nuts day in and day out. By selecting snacks you enjoy, you're more likely to eat them and not be tempted by other, less nutritious options. If you have a sweet tooth, snack on a healthier alternative, like Nonni's THINaddictives. These delicious almond thins are pre-portioned in 100-calorie packs and made with wholesome, antioxidant-rich ingredients like crunchy California almonds, savory pistachios and succulent cranberries. "For a quick snack, eat THINaddictives plain, or add a boost of protein by making a sandwich with a teaspoon of peanut butter and sliced bananas," Baker says.



* Plan your portions. When hunger hits, it's easy to go overboard with the snacks. Look for pre-portioned snacks or portion out your snacks ahead of time. It's a great way to keep you from overindulging, which can lead to weight gain. Individually wrapped snacks are also great on the go alternatives so you're not stuck finding something to nibble on that might not be as nutritious.



* Stop trying to be perfect. Sometimes you really just want to eat that piece of cake. Indulging in your cravings now and then is fine, as long as you don't make a habit of it. If you decide to snack on something less healthy, opt to have a salad for dinner to even out the calories.



Don't let snacking derail your healthy eating goals. By planning ahead and selecting the smart nibble options, you can easily strike a healthful balance that will keep you satisfied while on the go all day long. For additional snacking ideas, visit Nonni's THINaddictives on Facebook at Facebook.com/THINaddictives.

JANUARY 2016 MARKET UPDATE

January 2016

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 January! If you have any questions, please don’t hesitate to call or email my office. 

614-882-6725

delena@delena.com

http://realtytimes.com/206/DeLenaCiamacco