Do the math: Homebuying now may save a lot

2018-01-30T14:35:00

(BPT) – It is a common misconception that a 20 percent down payment is required to buy a home. Advice to wait and save a large down payment is often based on the theory that the cost of mortgage insurance (MI), which is required when you buy with a smaller down payment, should be avoided. This may not be the best advice and is, in fact, not in line with market trends, considering 60 percent of homebuyers buy with a down payment of 6 percent or less, according to the National Association of Realtors.

Yes, you can qualify for a conventional mortgage with a down payment as small as 3 percent of the purchase price. It is also true that you can reduce your monthly mortgage payment by paying for discount points at closing, but that can be 5 or 10 percent of the purchase price — not 20. And because every buyer’s situation is unique, it’s important to do the math. In today’s market, it could take a family earning the national median income up to 20 years to save 20 percent, according to calculations by U.S. Mortgage Insurers using a methodology developed by the Center for Responsible Lending; a lot can change during that time, in the family’s personal finances and in overall mortgage market trends.

How can buying now save you money later?

Consider you want to purchase a $235,000 home. A 5 percent down payment is $11,750 versus $47,000 in cash for 20 percent down. With a 740 credit score at today’s MI rates, your monthly MI payment would be about $110, which is added to your monthly mortgage payment until MI cancels. MI typically cancels after five years; therefore, you will only have this added cost for a short period of time versus waiting an average of 20 years to save for 20 percent.

With home price appreciation, today’s $235,000 home will likely cost more in the years ahead and this will also have an impact on the necessary down payment and length of time required to save for it. There are other variables in the equation too, such as interest rates. As federal rates rise, so too can the costs associated with financing a mortgage. The savings a borrower might calculate today could be altogether negated by waiting even a few more years. Another factor is that rents are on the rise across the nation, leading to a reduced capacity for many would-be homebuyers to save for larger down payments.

If you decide to buy today with a low down payment mortgage option, it is true that MI is an added cost on top of mortgage principal and interest, but keep in mind that it is temporary and goes away. Again, it typically lasts about five years. Private MI can be cancelled once a homeowner builds approximately 20 percent equity in the home through payments or appreciation and automatically terminates for most borrowers once he or she reaches 22 percent equity. And when MI is cancelled, the monthly bill goes down. Importantly, the insurance premiums on an FHA mortgage — the 100 percent taxpayer-backed government version of mortgage insurance — cannot be cancelled for the vast majority of borrowers with FHA mortgages.

So, do the math and let the numbers guide you. There are many online mortgage calculators that can help. Check out lowdownpaymentfacts.org to learn more.


The beauty of barn doors

2018-01-30T11:49:00

(BPT) – Barn doors moved out of the farmyard and into the house a long time ago. Recently, however, they have become an even more popular and useful feature in residential design. It’s not hard to see why.

“Many homeowners hear the term ‘barn door’ and think of reclaimed, rustic wood, which may not be a look they’re interested in,” says Linda Jovanovich of the American Hardwood Information Center. “But contemporary barn doors offer many more aesthetic choices than their traditional image suggests. We’ve noticed a trend toward the use of solid, fine-milled hardwoods like walnut and cherry for sliding doors, which not only gives them satisfying heft but is also a great way to bring the warmth and character of natural wood into an interior.”

New York–based interior designer Laura Bohn agrees. “I’ve installed hardwood barn doors in many projects, both in the city and the country,” she says. “They provide a lot of decorative interest, particularly hung in pairs. I’d choose a clean, sophisticated design in a subtle wood like maple or birch for an urban interior. Poplar planks painted a cheerful color, or characterful woods like hickory and cypress would be better for doors in a country house.”

Along with their decorative qualities, barn doors often provide a functional alternative to conventional swing doors. “Barn doors, either singly or in pairs, offer a simple and effective way to divide large spaces — a kitchen from a living-dining area, for example,” says Laguna Beach, California–based designer Lisa McDennon. “They can create instant separation and privacy in even the most open-plan house, which allows for greater flexibility in daily use.”

“A traditional door can use up to nine square feet of space, which is a lot in city apartments where every inch counts,” notes New York–based designer Glenn Gissler. “A barn door only takes up a sliver of floor, making it a terrific solution in tight situations such as hallways and narrow rooms. You just need enough adjacent wall footage to slide the door over.”

Barn doors offer economic advantages, too. While pocket doors have similar space-saving benefits, installing them requires wall reconstruction — a messy and expensive business. Because barn doors run on hardware installed outside the frame, they need no such preparatory construction, saving time and money. And the tracks themselves are part of the doors’ decorative appeal. “There’s a terrific selection of barn-door hardware available,” Bohn says. “Use sleek, high-tech tracks in brushed aluminum or satin-finish stainless steel for a modern urban vibe. For a more rustic or industrial statement, think blackened iron or raw steel, both of which look powerfully graphic against natural or painted wood.”

Visit www.hardwoodinfo.com for more about residential design trends and other applications and products using American hardwoods.


Keep your home pest free this year

2018-01-25T12:01:00

(BPT) – Now is a great time to establish year-long goals and resolutions, including home improvement goals you’d like to tackle this year. The first step is to create a pest control plan for your home. It’s important to establish good habits early in the year to help prevent potential pest problems. Unchecked, pests can wreak havoc in your home, but there are several steps homeowners can take to help avoid an infestation and keep their home safe and their family happy.

Sanitize

Clean your kitchen, pantry and any other places where food is stored. Remove crumbs and wipe up sticky drink residue to avoid attracting cockroaches and ants. Drains and sinks can be breeding grounds for flies, so keep them clean and clear. Regularly vacuuming and dusting can help prevent pests during the winter months.

Repair home damage

Engage in regular home maintenance to help avoid unwanted pest entry. Insects can come in through tiny cracks and openings, rodents can squeeze through a hole the size of a dime and raccoons and squirrels can enter through large holes. Basic maintenance steps include fixing gaps or holes in broken screens, doors and cracks in your walls and repairing any other exterior home damage.

Maintain your yard

Trim branches and trees touching your home to prevent easy access for pests. As expected by the name, roof rats and even squirrels can crawl across branches and enter your home through the roof. Keep outdoor trash cans secured to reduce the attractiveness to rodents and raccoons. Cardboard boxes and trash in your yard can provide shelter for spiders and insects. Yard clutter, such as leaf and wood piles, may be a source of food or shelter for a variety of pests.

Monitor your home

In the new year, step into a new routine of monitoring the exterior and interior of your home for holes, cracks and crevices. But also monitor for droppings, as well as chewed or damaged spots in your home. Regular monitoring for visual cues can help quickly address pest problems, and prevent future issues.

Know when it’s time to call a professional

As hard as we work to keep pests out, they are working hard to get in. Even the most vigilant homeowner can experience infestations. To prevent further damage and ensure you are safe in your home, it’s important to know when a pest problem is beyond your control. Professionals are trained to locate the specific sources of infestations and provide treatment options to eradicate the problem from your home. A trained professional can use proper techniques and tools that will provide the best solution to eliminate your pesty problem. Most companies, like Terminix, offer a free pest inspection to evaluate the situation. For more information, visit Terminix.com.


Fresh beginnings: Clean your bathroom faster with these tech tools

2018-02-06T11:01:00

(BPT) – If you’re like most Americans, you prefer to have an immaculate bathroom — you just don’t like cleaning it.

In fact, in a recent study by Kohler (conducted by independent research firm Vision Critical), 42 percent of consumers admitted cleaning the toilet is one of their most disliked chores.

That said, domestic guru Martha Stewart recommends scrubbing your tub/shower enclosure, toilet and drains at least weekly to maintain decent standards of cleanliness. And a study from researcher Mintel shows 49 percent of American adults place importance on doing their housecleaning right, though 27 percent would like to minimize the time they spend in such pursuits. That may be why 42 percent prefer to clean in small increments, though “most are not interested in compromising on effectiveness or results.”

“Americans are more likely to prefer to clean as they go, doing quick cleanups that fit into their busy schedules, as opposed to setting aside time to give the whole house thorough top-to-bottom cleanings,” notes Mintel Senior Analyst John Owen. “This preference for on-the-go cleaning has helped fuel the market for quick-cleanup products designed to tackle small messes quickly and efficiently, saving both time and effort.”

If cleaning the bathroom is on the bottom of your favorites list, consider some of these brilliant solutions technology has enabled that might make your bathroom sanitation a non-issue moving forward.

* No flubbing the scrubbing. No more must you aggravate your bad back and tennis elbow manually scrubbing soap scum off your shower walls, sinks and grout. Powerful rotating brush scrubbers that operate on batteries can now do the heavy lifting for you; one of the latest is made up of a set of attachments that cleverly fit onto a normal household drill.

* Go easy. Engineers at Kohler have developed a lower-maintenance toilet — the Corbelle with Revolution 360 flushing — that’s designed to remain cleaner, longer. Its CleanCoat surface repels bacteria, mildew and hard water buildup, its smooth design makes for easy surface maintenance and its powerful flushing motion flows at a 360-degree angle for thoroughness that minimizes the need for scrubbing.

* Dreamy steam cleaning. Sanitize your bathroom floors, counters, tub and shower enclosures and other surfaces without chemicals by using one of the efficient and easy-to-use handheld steam cleaners now on the market. Steam can work efficiently to kill bacteria, germs and dust mites including E. coli, staph bacteria, salmonella and other micro-organisms.

* Floored by cleanliness. For larger bathrooms, the new and nicely compact mopping robots can wet mop, damp sweep or dry sweep hard-surfaced floors. Internal navigation systems let them clean systematically while identifying rugs, drop-offs, spills and stains, the latter of which are tackled with jet sprays and vibrating cleaner heads.

* Suck it up. Several vendors now offer 3.2-gallon motion-sensor trash cans that keep their contents out of sight but automatically open (via battery) when you’re ready to deposit dirt and debris.

Life is too short to spend more time than you have to keeping your house clean — and that’s where technology comes in handy. Consider investing in the products that can free up your life for more meaningful activities.


Top trends to inspire your outdoor living

2018-02-05T16:01:00

(BPT) – Outdoor living spaces rank first among special function rooms desired by consumers, according to the American Institute for Architects, and so homeowners are expected to be going all-in for the outdoors in 2018.

Trex Company, a maker of premium decking and railing, has gleaned insights from contractors, homeowners and industry experts to compile the following outdoor living trends that will dominate this year:

Year-round enjoyment

Among the biggest trends is a shift away from seasonality as consumers adopt more of a year-round mindset, no longer restricting outdoor living to spring and summer. Thanks to new high-performance materials and innovative design approaches, homeowners everywhere are transforming their outdoor spaces into multi-seasonal extensions of their homes. For example, Trex contractors have reported an uptick in requests for its RainEscape deck drainage system by clients looking to add multi-seasonal living space underneath an elevated deck.

Minimal maintenance, maximum enjoyment

Just because people are spending more time outdoors doesn’t mean they’re willing to put in extra hours for upkeep. In fact, high-maintenance materials like wood are seeing a decrease in demand as people are opting for offerings that deliver better performance and sustainability.

Unlike wood, high-performance composites resist fading, staining, scratching and mold — and won’t rot, warp, crack or splinter. No sanding, staining or painting is required, and food and drink spills wash off easily with just soap and water.

Comfy cozy

Among the hottest design influences right now is “hygge” (pronounced hoo-gah) — the Scandinavian term for a feeling of coziness and comfort. This year, outdoor spaces will beckon homeowners and their guests to relax and rejuvenate with hygge-inspired accents, from plush cushions and throws to protective pergolas, cozy warming features and outdoor lighting.

Residential goes commercial

While railing matched to the decking remains popular, an increasing number of homeowners are taking advantage of the complementary decking and railing pairings afforded by new railing materials in modern, metal finishes, as well as sleek designs inspired by commercial architecture. More homeowners are inspired by outdoor spaces they find in commercial settings, such as hotels and urban rooftops, and want to replicate those looks in their homes. A prime example of this commercial-to-residential trend is the growing popularity of horizontal railings such as rod rail — a sleek, industrial look that’s ideal for optimizing a panoramic view.

Hide and chic

With the increased usage of outdoor living spaces comes higher demand for chic decor and privacy. An easy design trick that adds personal style and functionality, lattice panels are perfect for enhancing privacy and concealing storage areas or unsightly views. With styles ranging from romantic to deco, lattice panels can be integrated into any outdoor area and applied to structures such as arbors, trellises and gazebos, or used as decorative wainscoting or deck skirting.

Fun and games

Kids are not the only ones who enjoy playing outside. Outdoor play spaces for all ages are on the rise, including everything from swimming pools and embedded sandboxes to regulation cornhole courts, horseshoe pits and dedicated spaces for volleyball, badminton and bocce ball.

Beyond yard games, electronics manufacturers now offer televisions and entertainment systems specifically designed for the outdoors, taking into consideration differences in lighting and outdoor acoustics. Meanwhile, new storage options include durable wall-mounted television and entertainment centers that beautifully protect pricey electronics from the elements, while concealing all of the unsightly — and potentially unsafe — cords and cables.

For more information about outdoor living trends, go to www.trex.com.


Warm up with 5 DIY projects to tackle this winter

2018-02-05T12:37:00

(BPT) – For the avid DIYer in you, the winter season may cause a little anxiety while you’re cooped up inside and unable to tackle those outdoor projects you’d love to finish. The good news, however, is that the inside of your home needs just as much DIY attention as the outside — sometimes more — and the winter is the perfect time to tackle these projects.

Each of the tasks on the list below can be finished in a single weekend and, once completed, will make your home more enjoyable for the rest of the winter and beyond.

* Apply a fresh coat of paint. Whether your drive to paint comes from a style choice or a need to repair dings and dents, there’s no reason you can’t tackle it now. Head to your local paint store to research options for colors and tools and then set aside a day where you can focus solely on your project. Whether you touch up your existing colors or go bold with an accent wall, this is one project you’ll be glad to finish.

* Seal up those air leaks. This one isn’t just good for your house, it’s good for your wallet as well. Gaps around windows and doors allow cold air drafts to seep into your home as they let out the warm air needed to keep you comfortable. GREAT STUFF(TM) Window & Door Insulating Foam Sealant is a solution you can use to seal gaps around your windows and doors quickly to help make your home more comfortable and to reduce the cost of your next heating bill.

* Clear that clutter. A few months cooped up in your home can really lead to some excessive accumulation, so why not start your spring cleaning early? Tackle your home’s clutter over the course of several days and review everything you find. If you haven’t used an item in more than a year — or you don’t even know what it is — now’s the time to sell it online, donate it or simply throw it out.

* Vacate the vermin. A visit from the in-laws is par for the course during the holidays, but there are plenty of actual intruders trying to enter your home once the weather turns cold. Arachnids and insects of all varieties need only the smallest opening to access your home, so help block their access with GREAT STUFF(TM) Pestblock Insulating Foam Sealant. Apply this water-resistant sealant around any exterior openings to your home — such as heat or water pipes and cracks in your siding — and you’ll create a barrier between you and the pests trying to sneak in.

* Make a big splash in your bathroom. No, you’re not going to spontaneously decide to remodel your bathroom, but a few tiny changes in this space can make it seem as though you did. Replacing your existing fixtures is a cost-effective way to give the space an entirely new appearance. A little elbow grease goes a long way too. Don’t be afraid to get down on your knees and bid that mildew goodbye once and for all with a simple mixture of bleach and warm water.

Start your winter DIY project today.

The winter season doesn’t mean your indoor projects also need to hibernate. You can get to work right now even while there is a chill in the air. Start with the list above and see where inspiration takes you. Your home could have a dramatically new look and feel once spring has sprung.

(TM) Trademark of The Dow Chemical Company


Top tips for planning an epic family vacation

2018-02-05T09:01:00

(BPT) – Are you dreaming about an incredible family escape your loved ones will always remember? Perhaps your dream vacation is filled with adventure while eating around the world and exploring castles in faraway places, or maybe it’s relaxing on a private island with picturesque views of crystal clear water. Before taking off, you need to tackle the logistics. Fortunately, with a few tips from those in the know, creating an unforgettable getaway can be as magical as taking one.

Tip #1: Get the inside scoop

No idea where to begin? Talk with a trustworthy resource or fellow parent who has “been there.” The honest and relatable vacation tips you’ll receive are invaluable and can ease the planning process. For example, individuals thinking about planning a Disney vacation should visit www.disneyparksmomspanel.com, an online resource providing authentic answers to guests seeking advice from in-the-know panelists with years of vast experience.

The panel, which recently announced the addition of 11 new moms, dads and grandparents, includes your next-door neighbors, your good friends, and above all else, seasoned vacationers you can count on for genuine advice when planning your next getaway to a Disney destination. The panel can give you a personalized response in English, Spanish, French or Portuguese.

Tip #2: Find an all-appealing destination

You probably have a few ideas of where to go, but brainstorming destinations with your travel crew can provide helpful feedback and insight into everyone’s interests. Maybe your best friends are making brunch a priority for your girlfriends’ getaway. Or Grandma has a few “memory making” ideas for her vacation with the grandkids. Your fickle pre-teen even has a dream destination you might not know of, and your kindergartner is sure to throw a few ideas into the ring.

After you make a list of everyone’s thoughts, do some research online. Poke around travel websites, talk with other parents and search www.disneyparksmomspanel.com for guidance. With a little digging, you can find experiences that appeal as much to your toddler as your teenager and even your best friend. The key is to make it a discussion, talk with others who are in the know and overall, enjoy helping you plan your escape. Whether you’re going for a dream Disney vacation, planning a beach getaway, indulging in one-of-a-kind foodie experiences, (or all three!), there are plenty of places that grant everyone’s wishes.

Tip #3: Be proactive about special requirements

Keep special needs top of mind when booking accommodations. For example, all U.S. hotels are required to offer wheelchair-accessible rooms, but international hotels follow different guidelines, so be sure to ask. Additionally, if you have a sensitive child who prefers a calmer environment, book a hotel room away from the pool or other entertainment spaces.

Another common concern for families is food allergies. To ease worries, plan ahead. Experienced jetsetters suggest asking restaurants for their ingredients charts and nutrition information or requesting to speak directly to the chef. You can even call airlines and hotels early to ask about allergy policies.

Bottom line: It’s easy to feel overwhelmed, especially when planning a family getaway. Each age has different considerations, but with some smart strategizing and advice from the right people, you can create memories to last a lifetime. These three tips will have you well on your way to experiencing an epic family vacation.


6 other college costs (and opportunities) to consider when the financial aid letter arrives

2018-02-20T07:01:00

(BPT) – The last year of high school is a whirl of activity, and it’s no different when it comes to the final leg of college selection. Once the acceptance notifications arrive, it will soon be time to sit down with a different stack of mail: financial aid letters.

As you undoubtedly know, the cost of college is no small investment. In the 2017-18 academic year, the average tuition and fees for four-year public colleges is $25,620, while for private colleges, the costs are $33,520, and public two-year colleges cost $3,570, according to the College Board.

At the same time, the College Board reports that more than 70 percent of students receive grants to help pay for college. Hopefully, those financial letters contain some good news.

For most families, analyzing the letters is a process of uncovering the college that can offer the best education at the best value for your student. One way to get there is to parse the details of the letter itself so you understand the net cost of your student’s education. Still, it’s critical to look at other factors and opportunities around higher education costs. Taking a deeper look at these can help you and your student reach the best possible decision.

Deciphering free aid vs. other options: Take a close look at each line in the aid column. Key words, such as scholarships, grants and fellowships, signal no-strings money for school. Work-study and student loan packages are options that will need students to find a job or pay the money back.

Cost-of-living expenses: Think about those extra costs that come up over the weeks and months of any college year, such as meals, phone, transportation and laundry. Don’t forget entertainment. After all, they’re not going to spend all their time studying in their dorm room. Does the campus and community offer plenty of low-cost and no-cost attractions and entertainment so they can have fun with their friends without breaking the bank?

Local economy: One thing worth considering is the local economy of the first-choice school, especially if your student may want to pick up a part-time job along the way. Even better, look for local employers that are compatible with your child’s career goals. An entry-level job at one of these workplaces can help make ends meet, while making your student more marketable when it’s time to graduate.

Student achievement: Do a little digging on the success rate for students and graduates, so you have an idea on whether the school has a high job placement rate after graduation. Know the school’s graduation rate, along with the average first-year salary for graduates.

Ongoing costs: The financial aid letter describes the student’s first year. As much as you can, do some forecasting for the next three to four years. It’s especially important to understand whether awards are renewable, or if they’re available only to first-year students.

Negotiation: If the college isn’t coming through with enough aid to make college affordable for your student and family, don’t give up. You might be able to negotiate more aid. Submit a letter and ask for a follow-up appointment. Be specific about what you are requesting, and be sure to explain if you have specific circumstances such as medical costs or a job loss that may have affected your ability to meet the expected family contribution.

If you find the amount of financial aid provided isn’t enough (including the amount offered in federal loans), families may want to research and explore private student loans as an option to cover the additional expenses. Look for competitive interest rates and flexible repayment options that match your budget. College Ave Student Loans also offers a calculator that showcases how much families can save with various loan options at www.collegeavestudentloans.com.


Mix, match and mosaic: The top interior design trends of 2018

2018-02-13T13:01:01

(BPT) – Whether you’re redecorating your home, changing up that old carpet for warm hardwood flooring, or just longing for a fresh coat of paint and some new accents in the living room, the design trends this year are all about texture, style and surprises. It’s hardwood floors celebrating knots and imperfections or variations in plank sizes and color. It’s wood on your walls and faux stone tile backsplashes. It’s mixing unexpected materials to create an entirely new look. Mix, match and mosaic is what it’s all about this year.

Sara Babinski, a designer for Armstrong Flooring, offers her view of the top design trends of 2018.

Inspired by nature

Earth tones are big this year in everything from accent pieces, to linens and walls, to flooring. Think natural-colored solid hardwood and rattan dining chairs. Also on trend: breezy, uncomplicated seaside styles that incorporate natural aquatic blue and green shades.

“We are seeing an ode to the elements in interior design — walls and flooring that look distressed or weathered, and an ongoing demand for the look of reclaimed wood,” says Babinski.

A trend that was hot in the ’90s is also making a resurgence: faux stone, and designers taking artistic license with depicting natural stone in decor, flooring, and walls.

Diamonds are a floor’s best friend

Looks can deceive, and what may appear to be a hardwood floor is actually luxury vinyl or LVT. Thanks to incredible advancements in printing technology, these are no longer your grandma’s floors. A perfect example of this trend is Armstrong Flooring’s vinyl or engineered tile floor with Diamond 10 Technology, a proprietary flooring innovation that infuses cultured diamonds into the floor, providing the ultimate in scratch, stain, and scuff resistance.

If you still want solid hardwood with the same protection, consider Paragon Solid Hardwood, which incorporates the same Diamond 10 Technology without any compromise. Paragon floors are made from 100 percent solid Appalachian hardwood, ensuring your floors will remain beautiful for a lifetime.

Stimulation of the senses

Create a mosaic of varying colors and textures in your home.

Hardwood flooring in 2018 will celebrate the natural beauty of the wood, showing and highlighting knots and naturally occurring imperfections, including varying plank sizes, colors, and widths. Artisan styles will also be popular this year, with hand-brushed and -scraped patterns.

The “raw meets polished” trend is all about high shine versus ultra low gloss. This may include reclaimed wood furniture, updated with modern, shiny metal hardware or the aesthetic of using both low gloss and medium gloss on your floor.

Also on tap this year is mixing metals, especially in the kitchen. “Warm-toned fixtures can now live harmoniously with stainless appliances and with the latest appliance trend — a beautiful black finish! Copper, rose gold and oxidized metals are especially popular,” Babinski says.

Cultural influences and animal prints

Globally, Babinski sees trends of warm minimalism (warmer shades of gray, blue and brown evoking Hygge), and on the flip side, bold maximalism, a strong mix of bold colors and patterns balanced with gray walls and blonde hardwood and wood-look floors.

Cultural influences in accent pieces continue to trend. Whether it’s a hand-woven basket or a lamp with a Moroccan design, they add a sense of global style to your rooms.

Although exotic hardwood is going out of style in favor of American domestic species, Babinski is still seeing fun pairings with animal prints in furniture and accessories, such as area rugs, which pair perfectly with natural material floors.

Victorian and antique

The reemergence of Victorian and antique decor can translate easily to flooring trends like Millwork Square Solid Hardwood parquet and strip hardwood in Prime Harvest.

Also in 2018, patterns are meant to be broken, especially in floors. Herringbone-patterned flooring is trending, and floors will incorporate different colors, textures, glosses, plank widths and lengths.

“Flooring can even go on the walls, as seen by the continuation of the wood-on-walls trend,” adds Babinski. “Overwhelmingly, though, hardwood floors will continue to be low-gloss and ultra-matte.”


Take a pre-cruise vacation and ‘live like a local’ on Florida’s Space Coast

2018-02-12T08:01:00

(BPT) – There’s something magical about taking a cruise. Is it the open ocean? The indescribable feeling of warm sea air blowing through your hair? The endless access to world-class food, drinks and entertainment? Whatever the reason, each year millions of people around the world set their sights on the fun, adventure and luxury that cruise ships have become known to deliver.

Located on Florida’s Space Coast, bustling Port Canaveral is one of the largest and busiest cruise ports in the U.S. As the home port to some of the most-innovative players in the cruise world, there’s a good chance that your next cruise might depart from this vibrant east coast venue.

With so much to see and do on the Space Coast, many cruise passengers extend their vacation by a day or two in this fun-filled port city, so they can settle in before their departure and bypass any last-minute travel challenges. It’s called taking a “pre-cruise,” and it’s a perfect way to immerse yourself into the rhythm of your vacation and ensure you’re well-rested and prepared for your cruise adventure. To truly experience and get an intimate feel for the special way of life on the Space Coast during your pre-cruise, you’ll need to explore the area like a local, starting with these five must-do activities:

1. Treetop Trek Located at the Brevard Zoo, the Treetop Trek allows visitors to climb, crab walk and zipline through different animal habitats and have an up-close experience with wildlife. With three different aerial obstacle courses, this heart-racing activity provides something fun for everyone.

2. Duran Golf Club What would a trip to Florida be without a few rounds of golf? And we’re not just talking about any old kind of golf. No, we’re talking a world-class course that attracts pros, beginners and everyone in between. A favorite among locals and nationally recognized players, Duran has been voted “Best Public Course” and ranked as one of the top 50 courses in the country for practice ranges.

3. Riverfront Park Once you experience Riverfront Park in historic Cocoa Village, you’ll quickly understand why this is a favorite place for locals to hang out. With public access to nearly 10 acres of prime riverfront land, you’ll see plenty of people jogging, playing, relaxing and loving the sun, as good Floridians do. The park includes a playground, amphitheater, boardwalk, spacious covered pavilions and areas for fishing.

4. Ossorio Bakery & Cafe We could write pages about how delicious the food here is, but this handful of words usually will suffice: hand-rolled pastries and homemade ice cream. Caught your interest yet? Located in historic downtown Cocoa Village, Ossorio has been providing locals with unforgettable meals and treats in a relaxed and friendly setting for the past 15 years.

5. Superb FishingYou know how they say there are plenty of fish in the sea? Here, that’s literally true. Along the Space Coast, there are something like 500 different species of fish inhabiting the local waters. From deep-sea fishing to surf casting to quietly angling along a peaceful river or lagoon, there are numerous guides and outfitters who can take you on a fishing adventure like no other.

You’ve spent months, maybe even years, planning your dream cruise vacation. Take an extra day or two and make it even more special by exploring the Space Coast. You deserve it.