Category: Brandpoint Lifestyle

2018-03-09T10:01:00

(BPT) – Modern digital technology has replaced landlines, television antennas, VCRs, CDs and many other things that were once part of our daily lives — and the next thing to go may well be cash.

A few years ago, the idea that we would no longer use cash would have seemed outlandish, but it’s happening right before our eyes. A 2016 Gallup poll found only 24 percent of Americans made all or most of their purchases with cash, compared to 36 percent five years ago. Plus, according to a recent U.S. Bank Cash Behavior Survey, more consumers say they prefer the use of digital apps to make payments versus cash.

Digital payments, specifically person-to-person (P2P) payment technologies, have made it fast, safe and convenient to send and receive money from a mobile device. Where once people exchanged cash, they are increasingly sending money to one another via P2P technology services like Zelle(R), which connects the nation’s leading financial institutions to enable consumers to send fast payments to friends, family and people they trust.

If you haven’t already joined the 100K consumers, on average a day, who are signing up to use P2P payments, the experts at Early Warning Services, the network operator of Zelle(R) — offer three ways to be “Money Smart” in a Digital World:

* Speed — When rent is due, or someone’s birthday is coming up, time and money are critical! Don’t send money that will take days to get to someone or could get lost/stolen at the post office. With Zelle you can safely send money, typically within minutes when both parties are already registered.

* Simplicity — Using Zelle makes it easy to send money to friends and family with a bank account in the U.S. — whether you’re using your banking app on your phone or the online banking portal on your laptop, you can pay friends back or request money from family wherever you are and without ever looking for an ATM.

* Safety — Make sure you only send money to people you know and trust, and make sure you type in their phone number or email address accurately when you send funds. By only sending money to people you’re already familiar with, you help to mitigate your chances of falling victim to scams.

Are the days of wrinkly dollar bills and trips to the ATM over? Maybe, maybe not — but as more people switch to mobile payments, the convenience, security and ease will revolutionize the way people exchange money.

2018-03-08T14:35:00

(BPT) – With spring officially arriving, home improvement season is swinging into full gear. Fair warning to homeowners looking to hire a professional, 2018 is predicted to be a record-breaker.

A recent study by the Joint Center for Housing Studies of Harvard University projects home improvement spending will approach $340 billion this year — the strongest gain for remodeling in more than a decade. Among the costliest of projects is roofing, a large expense with serious implications if put off or improperly done.

When you add 2018’s remodeling demand with the much-talked-about skilled labor shortage, on top of the recovery from last year’s hurricane season, homeowners could be tempted to jump right into major home work, all without doing their homework first. As this could prove costly, consider the following before anyone sets foot on your roof:

1. Check contractor qualifications

Choose a local, reputable contractor. These contractors should have the best knowledge of local building codes, state codes and required certifications and licenses. Ask the contractor to see their certificate of insurance before stepping onto the roof. Consider going the extra mile and choosing a contractor certified by the manufacturer of the shingle the contractor installs. Improper installation is considered one of the major reasons roofs fail prematurely, so finding a contractor with knowledge and experience in the correct application of a particular product is of the utmost importance.

2. Determine layover or tear off

Many times, contractors will push for a removal of all existing shingles, or a tear off, over adding another layer of shingles on top of an existing roof, a layover. Although a complete tear off is more expensive due to increased labor costs, there are some advantages.

“When you tear off, you get a chance to look at the roof deck and repair any deteriorating wood or substrate,” said Rick Taylor, longtime roofing contractor and a trainer for shingle manufacturer TAMKO Building Products Inc.

Typically, doing a layover is more economical, although homeowners need to discuss relevant factors with their contractor, including local building code requirements and implications for the manufacturer’s warranty.

3. Research the warranty

It is important to understand the warranty specific to the roof product you have installed. Educate yourself on requirements for installation, including whether a shingle layover is applicable (as mentioned above).

“Some shingle manufacturers won’t warranty the roof unless it is a complete tear off,” Taylor said. “TAMKO is one that actually does have the option to warranty a laminated shingle applied over one other layer of 3-tab shingles.”

Other warranty concerns to consider include proper installation, the required steps to register your roof after installation and the time period allowed for transferring that warranty to future owners of the home.

4. Assess ventilation needs

Inadequate roof ventilation is another major culprit behind premature roof aging. There are a variety of options for roof ventilation; however, it is generally recommended to incorporate proper ventilation into the original re-roof, rather than add it later. The recommended ventilation depends on the size and architecture of the home, but when done correctly, the air inside the attic should be near the same temperature as the ambient temperature of the air outside it.

5. Check the weather

It may seem obvious, but a simple check of the weather before starting a roofing project could prevent a big headache later. Avoid starting a project with wet plywood or underlayment, or when the forecast indicates a strong chance of rain. Also, many manufacturers of asphalt shingles, the most popular form of roofing in the U.S., do not recommend installation in below-freezing temperatures or in excessively high temperatures.

Careful consideration of these steps during your next home exterior project could save you from costly and lengthy rework years later.

2018-03-08T09:47:00

(BPT) – There are a lot of things people miss during the winter — flip-flops, shorts and warm sunshine. But one of the things homeowners miss the most is the sight of green grass.

For months their lawns go into hibernation and disappear under a blanket of snow. Once the temperature starts to rise and the days start getting longer, many are eager to get outside and restore their lawns to their former glory.

But in order to get a lush green lawn that is the envy of your block, it’s crucial to get to work at the beginning of spring. The lawn experts at Lowe’s have shared five key steps you can take right now to ensure you have a beautiful and healthy yard all year long.

1. Tune up your equipment

Before you start work on your lawn, you want to make sure your mower is ready for the season. This means changing out the oil, tightening up any loose bolts or fasteners and starting the season with fresh spark plugs. You should also make sure the air filter is clean, and don’t forget to have your blade sharpened. Be sure to follow the manufacturer’s instructions.

2. Evaluate your lawn

Once all the snow has melted, set aside some time to walk over your lawn. Take note of any dead spots, snow mold or raw patches of earth that need reseeding. Bring a rake with you to clean up dead leaves or break up any thatched areas that may have formed over the winter.

3. Take care of snow mold

If you find a spot of snow mold and other types of lawn fungus that are common in early spring, take a rake and gently break up the matted grass so it can dry. Oftentimes, this will be enough to dry out the mold and get the grass in the area growing again. However, depending on the extent of the damage, you might have to patch or reseed the area.

4. Reseed where needed

For the bare spots as well as areas of your lawn that are looking a little thin, overseeding is a great way to return it to its full, lush state. Spread grass seed over the area you want to patch, add some fertilizer and about a half inch of topsoil and gently rake the mixture in with the grass and soil. Thoroughly water these patches every day until the seeds begin to germinate.

5. Plant while it’s still cool

The cooler temperatures in spring are ideal for roots to take hold before the hot summer weather arrives. This is why spring is the best time to seed your lawn. Also, if you’ve been thinking of planting any shrubs or trees, you should do it before it gets too warm.

The smell of fresh-cut grass is almost upon us! Lowe’s has all of the products and services you need to get your lawn ready for spring.

2018-03-07T14:01:01

(BPT) – Outdoor hardscape projects add resale value to a home as well as bring extra enjoyment to homeowners while they are living in the home, according to the “Remodeling Impact Report: Outdoor Features” by the National Association of Realtors (NAR) and the National Association of Landscape Professionals (NALP).

The report confirms that investing in landscaping and hardscaping is a win-win, whether you plan to stay in your home or prepare it for market.

“This report validates that outdoor remodeling and landscaping improvements are a necessity when it comes to improving your home’s resale value,” said Missy Henriksen, NALP vice president of public affairs. “Homeowners working with a landscape professional to embark on renovations — whether that means enhancing their turf and growing a lush lawn, overhauling their entire landscape, or incorporating new features like patios or exterior fireplaces — can rest assured that they are making a smart, worthwhile investment.”

Curb appeal

Real estate agents suggest that a home’s first impression is paramount when preparing it for sale. Simple updates such as adding retaining wall units or paving stone edging around gardens add value and curb appeal. More ambitious projects like a front paving stone entrance with patio and a seat wall or two add major curb appeal plus the enjoyment factor from adding a beautiful, functional front yard.

Varying hardscape colors and textures in the front outdoor living space lends maximum visual appeal. Hardscapes also can make routine maintenance easier, such as creating a tree ring from retaining wall units and surrounding it with pavers to reduce the need for trimming after mowing.

Making unusable space usable

A family in Maple Grove, Minnesota, had a hill behind their home that sloped down to a pond. They knew that excavating would be required and contacted Villa Landscapes in St. Paul to help them decide how best to make use of the space.

“The Versa-Lok Standard retaining wall system was perfect for retaining the soil behind the garage when we excavated to create their outdoor living space,” said Lonny Sekeres, a designer with Villa Landscapes. “There are no voids in the units to backfill, and the top-down pinning system made the installation easy. By back-splitting the retaining wall units, we easily created matching freestanding seat walls around the fire feature area too. Plus, the same unit was used to create columns that provide a base for a pergola while giving a nice definition to the outdoor living space.”

Prevent erosion

Damage to your property can devalue a home plus create major headaches. Retaining wall systems are essential in preventing erosion, controlling grade changes in a yard, and preventing damage to the landscape, and in certain environments, even damage to your home.

One homeowner in Apple Valley, Minnesota, had a steep, unusable backyard that sloped toward the home’s foundation. Over the years, water damage to the foundation occurred.

“The negative flow caused water damage, a leaky foundation and the accumulation of dirt that had been eroding down the slope for years,” said Paul Devine, owner and principal of Devine Design Hardscapes in Rosemount, Minnesota. “There was no flat, usable area at the base of the hill, and the client had never been able to grow grass because of constant erosion. The Versa-Lok wall design created a positive flow away from the home’s foundation, steps to the top of the hill, and a flat, usable area for a backyard.”

Devine created a tiered retaining wall design with ample space for perennials and a staggered staircase with landings that feature seat walls for resting.

Safety and privacy

Seat walls can add a measure of privacy and protection against the elements, and energy-efficient landscape lighting can be installed along patios, paver walkways and under retaining wall caps for nighttime ambiance and functionality. Landscape professionals can suggest how adding these and other hardscape elements can increase value and offer measures of safety and privacy.

In the end, investing in your home’s landscape with hardscapes is a long-term win-win, no matter how long you stay in your home or if you are preparing it for sale. Says Henriksen: “Further, that investment is coupled with the immediate happiness received by beautiful landscaping and the long-term enjoyment of outdoor living spaces, which are priceless.”

2018-03-06T06:01:00

(BPT) – As the hub of activity in a home, the kitchen serves many purposes: meal prep base, dining area, family gathering place, celebration zone, and entertainment center, to name a few. Does your high-use, heart-of-the-home kitchen meet the challenges and needs of your family life?

If not, then it’s time for a renovation. A kitchen remodel can be inspired by lifestyle changes, the need for energy efficiency, upgrading of decades-old styling, or simply that you are ready for a change. The good news is that remodeling the most used room in your house not only improves the space itself, it increases the overall value of your home.

Research from Remodeling magazine shows homeowners who undergo a mid-range kitchen remodel can expect to recoup 81 percent of their spend upon selling their home. A major kitchen remodel will recoup 59 percent, according to the same study. With statistics like these, remodeling your kitchen has the potential to be good for you now and in the future.

So what are you waiting for? Start planning your kitchen remodeling project today. Here are six ideas, ranging from minor to major:

* Replace your faucet. For the amount you use your kitchen faucet, functionality and ease-of-use should be top priorities — highlighted with stylish designs lines, of course. The Avery Selectronic hands-free pull-down kitchen faucet from American Standard features a three-function spray that can handle any kitchen challenge. Plus, this high-arc touchless faucet offers flexibility to suit user preference — simply switch to manual function for guests not familiar with touchless operation.

* Paint your cabinets. If replacing your kitchen cabinets is not in the budget this year, repainting them is the next best thing. A fresh coat of paint can dramatically change the appearance of your kitchen. Select a paint that dries hard so it can stand up to wear and tear; choose a satin finish paint to hide imperfections in the cabinet surface. To complete the look, consider replacing the cabinet hardware. Pick the style that appeals most to you and remember knobs are more common on cabinets, handles on drawers.

* Add a backsplash. Create an instant wow factor by enhancing the walls above the work areas of your kitchen. The use of varying shapes and materials can really showcase your creative side. Today’s homeowners are choosing larger sized subway tiles, introducing a bit more color to this traditionally neutral-colored area of the kitchen, experimenting with varying tile patterns, and choosing metallic and mirrored finishes. Extending the backsplash all the way to the ceiling, with the use of shelving instead of cabinets for storage, is a new trend gaining ground. Whatever your choice, a new backsplash can delight you every time you enter the kitchen.

* Elevate your faucet. For homeowners who enjoy crafting delectable meals for family and friends, an upgrade to the GROHE Essence semi-pro faucet provides the perfect combination of modern functionality and high style. It features convenient one-hand operation, full 360-degree sink mobility and two high-performance sprays. Plus, this high-arc faucet features a flexible silicone hose that can be easily replaced in a variety of rainbow colors for an instant kitchen “perk-up.”

* Explore sink options. Whether it’s for food preparation, dish washing or bathing a small child, families depend on the kitchen sink for a lot of things. The DXV Hillside stainless steel sink exhibits the rich character of popular farmhouse sink styling with a refined sophistication ideal for the modern kitchen. Made from 16-gauge stainless steel, its clean apron-front design makes it perfect for under-counter, flush countertop or above-counter custom installation. The result is a high-style sink that can meet any kitchen need.

* Change out those cabinets. While repainting cabinets can change the look of your kitchen, replacing them can totally upgrade the room’s core style and functionality. Select new cabinets based on the current needs of your kitchen, considering accessories that can improve functionality. Think slow-close drawers and doors, turntable corner cabinets, pull-out trash can cabinets, plus many innovative storage features. The choice of design styles — framed or frameless — will impact your kitchen’s look. Cabinets vary in price, depending on whether they are stock, semi-custom or custom. With kitchen cabinets accounting for up to 40 percent of a full kitchen remodeling budget, invest time in choosing the style and function that will make you love your new kitchen.

Whatever your level of kitchen remodeling, these upgrades are sure to make life easier and more enjoyable in a room that is the focal “living” room in any home. Go ahead and plan your renovations today — and experience the benefits for years to come.

2018-03-22T09:01:01

(BPT) – The April 17 tax filing deadline is quickly approaching. While many are excited about the possibility of a tax refund, nearly 1 in 3 taxpayers waits until April to file their return. Whether filing online or meeting with a tax professional, H&R Block shares three tips to help make the final stretch of the tax season less daunting.

1. Get organized

Keeping good records is the foundation for everything else because you can’t deduct what you haven’t documented. Take the time to complete a paper chase and find all tax and financial documents and related information needed to file a tax return. It may be easier to use a customized tax preparation checklist to help you make sure you aren’t missing important documents. Missing tax documents can lead to missing out on tax benefits you are entitled to claim.

Consider starting with your previous year tax return, then track all income and receipts, and finally document each. After that, separate business-only bank accounts and credit cards to make it easier to keep good records and file accurate tax returns. Remember to secure paper and digital records in a safe place like MyBlock, and make sure you back them up too.

2. Don’t overlook credits and deductions

The tax refund is the single largest financial transaction many taxpayers will have in a year. The stakes can be high and mistakes can be costly, especially when it comes to life changes — getting married, having a baby, buying or selling a home, sending a child off to college or retiring. Not understanding how these life changes can impact your return causes many taxpayers to make mistakes and leave money on the table. In fact, the IRS announces annually that approximately $1 billion goes unclaimed in federal tax refunds.

Most taxpayers file their taxes using the standard deduction, but you may be eligible for a variety of deductions or credits that could possibly save you more, including:

* Education benefits: Federal tax credits can help offset the costs of higher education for yourself or your dependents — depending on your academic program, what year the student is in, etc. To qualify, you must pay for post-secondary tuition and fees for yourself, your spouse or your dependent.

* Earned Income Tax Credit for lower-income workers: Twenty percent of eligible taxpayers, particularly lower-income workers, do not claim the Earned Income Tax Credit (EITC). Keep in mind that eligibility may fluctuate based on financial, marital and parental status, which may cause taxpayers to be ineligible one year, but eligible the next. Also, people tend to overlook the EITC because they may not earn enough income to have to file a return. Remember that the EITC is a refundable credit, so even those who don’t need to file a return can still claim the credit.

* Itemizing deductions: Itemizing can save taxpayers hundreds of dollars, as only 1 in 3 taxpayers itemize, but millions more should. Owning a home is often the key that unlocks itemization, but some taxpayers with high state taxes and charitable contributions may also be able to itemize.

3. Avoid common filing pitfalls

Selecting the wrong filing status can affect which credits and deductions you are eligible for, the value of your standard deduction and your tax bracket. In addition, common clerical errors such as mixing up names, forgetting to include information reported on your W-2, 1099 or other forms, or even making mathematical errors can also affect your tax benefits.

Not filing at all is even worse — as the penalty for not filing a tax return is 10 times greater than the penalty for not paying in full. The best way to avoid this penalty, which could add up to 25 percent to your tax bill, is to file a completed tax return or apply for an extension. An extension to file is not an extension to pay any taxes you might owe. To avoid a penalty, you will need to estimate what you owe and pay at least 90 percent by April 17.

To ensure you get the maximum refund without delay this year, or if you find yourself filing incorrectly, visit hrblock.com for more information, to make an appointment with a tax professional or to start your own tax return online for free.

2018-03-21T12:01:00

(BPT) – El Salvador, Central America’s smallest country, attracts a wide array of intrepid travelers who come to experience its vibrant culture and diverse outdoor activities. From its rich Maya history, to its volcanic beauty and generations-old artisan heritage, El Salvador provides plenty for travelers to explore.

El Salvador is incredibly easy to reach from the U.S. and offers everything from ecotourism to culinary adventures at a fraction of the price of more well-known Central American destinations. There are regular direct flights to El Salvador from major U.S. cities, including New York City, Washington, D.C., and Los Angeles, and there is no need to exchange money upon arrival, as the U.S. dollar is the national currency.

Here are five ways to make the most of a trip to El Salvador.

1. Kick back at the beach

There is no shortage of world-class beaches in El Salvador, with warm Pacific waters lapping on nearly 200 miles of coastline. Surfers flock to La Libertad for its renowned waves and international competitions. Those interested in learning to surf can find lessons for as low as $10. Along black sand beaches, travelers will find amazing seafood to enjoy while taking in magnificent ocean views.

2. Hike volcanoes and waterfalls

El Salvador is known as the “Land of Volcanoes” with 25 volcanoes visible to the naked eye. Many travelers combine a city tour of San Salvador with an easy volcano hike in El Boquerón National Park, just a short drive from the city. Local guides can navigate visitors up steeper volcanoes for half- and full-day trips. The country’s tallest volcano is Santa Ana Volcano in Cerro Verde National Park northwest of San Salvador where hikers will find moderate to difficult trails with a stunning turquoise crater lake at the top.

3. Get caffeinated on a coffee tour

El Salvador’s high altitude and tropical climate create the ideal conditions for growing coffee beans, and the country is known as one of the world’s top regions for specialty coffee production. Chances are that you have enjoyed java that originated in the mountainous region of El Salvador. A tour of El Carmen Coffee Estate gives visitors a closer look at the coffee-making process and provides the chance to taste some of the best coffee on earth straight from the source.

4. Get crafty with an artisanal immersion

Several of El Salvador’s small colonial towns are known for signature artisanal crafts that travelers can learn during their stay. Those that travel north from San Salvador to the quaint town of Suchitoto can make their way to the Arte Añil workshop and gallery to learn how to dye cloth with indigo as the Maya once did. Further north, the town of La Palma draws inspiration from the Maya to create the Arte Naíf drawing style. Visitors learn to paint with spontaneity without adhering to perfect proportions, creating bright and contrasting colored designs on locally harvested copinol seeds for a truly exotic souvenir.

5. Dig into the past with an archaeological site visit

Known as the “Pompeii of the Americas,” the UNESCO World Heritage Site Joya de Ceren provides a fascinating look at an ancient farming community that was buried in ash from a nearby volcano. A visit to the site and the nearby pyramids at San Andrés educates travelers on the lives of Central America’s original inhabitants who lived there as many as 1,000 years before Europeans arrived.

With easy flight options, low prices for world-class experiences, and the ability to hike a volcano in the morning and surf in the afternoon, it’s not hard to see why El Salvador has become a hot destination for 2018.

2018-03-20T16:01:00

(BPT) – As the weather starts to warm up, Americans will hit the road more often for destinations ranging from family outings to spring vacation destinations. Because cars are such an important part of our daily lives, Hankook Tire examined what drives Americans to keep up with car maintenance, as well as what matters when maintenance can do no more and it’s time to visit the dealership.

Leave it to me

Two-thirds (69 percent) of drivers perform their own car maintenance, according to the latest Hankook Tire Gauge survey. Among those who do so, the main motivator is to save money (54 percent). Others like doing it to save time (28 percent), because they prefer knowing exactly what’s going into their vehicles (26 percent), or it’s a fun task for some who simply enjoy it (22 percent). In fact, about one-third (35 percent) of drivers started taking responsibility for car maintenance as soon as they earned their licenses.

The air in the spare

When asked the most elaborate car maintenance they’ve performed without help from a mechanic, most Americans said that they have either changed the oil (21 percent) or changed a tire (21 percent). But being able to change your own tire won’t do much good if the spare doesn’t have any air in it! Twenty-nine percent of Americans never check their spare tire’s air pressure, which could be deflating if it’s flat too. Fortunately, checking the air in the spare is part of a regular maintenance routine for more than half of drivers (57 percent).

Remind me

Generally, Americans agree that they welcome a nudge to check their tire pressure, and 44 percent say that automatic tire pressure monitors ensure they check it regularly. Experts suggest checking your tire pressure once a month. Even new tires with minimal wear and tear lose air due to factors like temperature change, driving distance or carrying added weight in your vehicle. Now is a good time to check your air pressure, as temperature fluctuations reduce tire pressure by about 1 psi for every 10 degrees Fahrenheit the outside air temperature drops.

Purchasing power

Should the time come to purchase new tires, money talks. The Hankook Tire Gauge Index found that price influences nearly two-thirds (63 percent) of tire purchases, and similarly, 38 percent of drivers report that rebates, like Hankook Tire’s Great Catch rebate, also impact their purchase decision. When it comes to the brand, however, drivers maintain an open mind. While nearly half of drivers (43 percent) say they have a brand in mind when they enter the dealership, they are flexible on what they ultimately buy — only 16 percent of Americans go into the dealer set on a particular brand.

Price also impacts vehicle purchases (41 percent). When shopping for a new car, drivers focus on price more than twice that of safety (18 percent) or performance (15 percent). And women are more price-conscious than men, as 45 percent of women consider the price when buying a new car, as opposed to only 37 percent of men.

Whether you are driven by price or performance, regular maintenance and vehicle knowledge is key to avoiding unexpected bumps in the road.

2018-03-15T10:45:00

(BPT) – Technology is trending in home design and decor this year, and some of the most dramatic, futuristic and fun tech trends are showing up in the bathroom. From glass doors and windows changing from clear to opaque with the touch of a button to toilets transforming the whole experience of going to the loo, it’s all about high-tech tricking out your oasis.

Here are four tech trends that will take your bathroom into hyperspace.

1. Privacy glass

Glass blocks are opaque but let in some filtered light; blinds or shades get in the way. The answer? Privacy glass. It is an ultra-futuristic special adhesive film that’s cut to fit your existing glass doors and windows. Tap an app on your smartphone and transform your glass from opaque to transparent instantly. (Alien technology? We can neither confirm nor deny that.) It gives you privacy when you need it and lets the sun shine in when you don’t, and eliminates the need for shades or blinds, giving your bathroom a sleek, clean look.

2. High-tech toilets

This is not your father’s WC. Toilets today offer technologically advanced features like sensor-operated seats and lids, night lights, deodorizers, self-cleaning technologies and heated seats.

A toilet with a TOTO WASHLET electronic bidet seat is a coup de loo that leaves you cleaner and more refreshed than you’ve ever felt after a bathroom break. Operated by remote control, it’s completely hands-free and offers comfortable, warm, aerated water to cleanse, warm air dryer and heated seat. No need for toilet paper.

The Aquia IV High-Efficiency Toilet Dual Flush and WASHLET+ S550e combine seamlessly (no visible cords or hoses). This elegant design features high-tech innovations to make your life cleaner, healthier, less complicated and more beautiful — auto-open/close seat and lid, electrolyzed water to keep your toilet bowl hygienic without harsh chemicals (better for the environment and your pocketbook), and in-bowl deodorizer. The new DYNAMAX TORNADO Dual-Flush Technology cleans the entire bowl and rim with 360 degrees of cyclonic rinsing action. Its CEFIONTECT glazed surface is smooth down to the nano level, preventing matter from adhering to its surfaces. Visit www.totousa.com to learn more.

3. High-tech warmers

While a warm bathroom floor isn’t new, some manufacturers are taking it up a notch by making it digital. These systems feature a mat that’s installed under your tile. It’s Wi-Fi enabled and connected to a digital thermostat that you control from your smartphone.

Make your towels toasty, too, with a towel warmer. Pop your towel into what looks like an ordinary bathroom cabinet, but it’s really a hidden, stainless steel warming drawer, and your towels will be toasty by the time you’re finished with your shower.

4. Digital steam spa

You don’t need a major remodel to get a steam shower. There are kits for that! They’re digitally operated steam generators that even include aromatherapy features (think eucalyptus steam when you’re stuffy with a cold).

The bathroom is the place where you start and end your days, your oasis for renewal. With these new high-tech products, you can design your perfect retreat.

2018-03-15T07:01:01

(BPT) – Owning your own home is a life accomplishment for many adults, and keeping it looking sharp and adding your personal touches brings a sense of pride. It seems there are always things you want to improve, so don’t let a limited budget or lack of know-how hold you back from dreaming. There are plenty of ways to enhance a room or remake a space without breaking the bank, along with many resources out there to show you how.

With a little research and a weekend or two of elbow grease, your budget and your abilities are more than enough to take on many smaller jobs. When you’re done, the satisfaction you’ll experience from a successful DIY project will give you plenty of motivation to start the next improvement.

Before you launch your plans, here are a few tips for an affordable and stress-free DIY project.

1. Map it out

Prioritize the projects you’d like to tackle first. Whether it’s painting the living room, replacing the kitchen countertops or retiling the bathroom, the project will be much less stressful when you have solid planning behind it. Set a realistic schedule, gather your supplies in advance and be sure and review instructions before starting. If you’re making an improvement for a special event or out-of-town guests, give yourself ample time to complete it so you’re not adding stress to the project.

2. Find creative ways to cover costs

Make a budget for your project that includes a list of expected expenses and add padding for the unexpected. Assess what funds you have available, and if you don’t have enough, consider a savings plan so you can avoid paying interest and fees on a credit card. To speed up your progress, grab your change jar and bring it to a Coinstar kiosk where you can select cash or a no-fee eGift card from retailers including Amazon.com, Lowe’s, Home Depot and Sears. You’ll be surprised at how quickly a jar of coins can add up to purchase needed supplies on your list.

3. Learn through many available resources

If you’re like most DIYers, you’ll find online videos and home improvement websites are great sources for how-to tips and information. And if you’re a novice, take advantage of the vast information that’s available at your fingertips and review several sources so that you completely understand the process and are confident before your dive in. Don’t be afraid to tap friends, family members and neighbors who have completed similar projects, as they can be good advisers and may even offer to help! You can reward them by inviting them back to your newly improved home to just relax and enjoy.

4. Keep it light

Doing DIY projects with a spouse or a family member can be fun if you take the right approach. When working alongside each other, it’s all too easy to take a frustration out on each other. Two-thirds of those surveyed in a recent Coinstar survey said they do projects with others in their household, and 65 percent said they got into a disagreement during a home DIY project. Minimize tension by creating clear expectations and give everyone a defined role. Take needed breaks and acknowledge accomplishments along the way. Keeping things calm and positive ensures everyone feels good about their contribution.

5. Permission to make mistakes

Most homeowners are not professional contractors and projects can and do go wrong. If you make a mistake, do your best to correct it and don’t beat yourself up. Focus on the fact you’re making progress in getting your house just the way you want it and saving money by doing it yourself. Next time, you will be that much more proficient! According to the survey, 90 percent of homeowners say they feel a sense of pride after completing a DIY project. Pat yourself on the back and plan your next DIY endeavor!

To learn more about how Coinstar can help you find the cash you need for your next DIY project, visit coinstar.com.