Q. Our home inspector said that we should not plug our deep freeze into a GFCI circuit, because it could trip while we are away, and ruin our food. Is this correct?

A. Yes, your home inspector is correct. Appliances such as refrigerators and freezers or medical equipment that must remain running should never be connected to GFCI outlets. The reason for this is that GFCI outlets can trip without warning shutting off power to the appliance. GFCI outlets are very sensitive to changes in their environment, and can trip under various conditions. These outlets when placed outside or in garages can trip during rainy weather, because there is too much moisture in the air. GFCI outlets that are wired to other similar devices can turn off when one of the other outlets trips. Under normal circumstances, GFCI outlets are perfectly suited for such things as small appliances, bathrooms, kitchens and exterior devices such as hedge trimmers and power tools. When used properly, GFCI outlets are life savers, but because they are so sensitive and prone to tripping without warning, they are ill suited for appliances which must remain on at all times.

Your bathroom is where you prep to start your day and where you wind down at the end of the day. From a nice hot shower to an at home spa, the bathroom is an important room in every home and to our daily lives. However, it can be the room most overlooked when it comes to decoration and/or remodeling. It shouldn't be. According to Contractors.com, remodeling your bathroom can yield an 80-90% return in the value of your home. Adding a new bathroom can also easily give you a 90% return in the value of your home. Improving this room can, therefore, be a savvy investment in your property. But it can be more than just a wise investment. Updating your bathroom can make this at home retreat more inviting and invigorating. Take the time to make a bright, friendly room to jump start your busy work day, and a calm, peaceful room to help you wind down in your own do-it-yourself spa retreat. Below, we provide some hints and tips for your bathroom makeover. Whether just changing a few decorations or completing a major remodel, we hope you will find something beneficial for your bathroom remodeling project.

Part I: Decoration Makeover & Small Remodel - This decoration makeover includes simple, do-it-yourself solutions for a quick update. Many of these changes could be done in one to two days. Some of these remodel items may take longer.

Make a Plan - The fist step to any decoration makeover or remodel is to set out a plan for the project.

• Determine your budget and time. Both will help determine what you can do. You may need to consider doing the project in stages or altering your original ideas. Planning ahead will help make certain you do not end up with an unusable bathroom for weeks or even months!
• Consider what the bathroom is lacking such as do you have enough functional space, storage space, lighting, etc.
• Does the room have any items that need updating? This can anything from the toilet to the outdated wallpaper on the walls.
• What do you envision for the space? Do you want a Zen retreat or a homey B&B feel to the room. Consider what you want the completed room to look like. Do you have anything in there that fits this idea now? Or will it be better to start from scratch?
• How much experience do you have with remodeling. Are you limited to painting the walls and changing hardware? If some of your ideas seem over your head, you may want to consider hiring a contractor, plumber or electrician. For more information about a major remodel projects, see below.
• Finally, if you want a change but are drawing a blank with ideas, consider hiring an interior designer. Some people are hesitant about hiring an interior designer because they think they have to use them all the way through. But indeed you can work with them to make a project plan and project manage the remodel yourself. Or you can also hire them to follow the entire project from start to finish.

Cabinets and Storage - You may want to replace or add to your existing bathroom cabinets.

• Changing a mirror to a medicine cabinet can help add space above your sink.
• Adding cabinets can help you store essentials for the bathroom from towels to extra soaps and supplies. There are many styles of cabinets available.
• You can get stand alone cabinets or wall cabinets that fit above a sink or toilet that provide quite a bit of extra space. You can also consider changing your sink cabinet. A new design can offer an updated look and add more storage space to your bathroom. **You may wan to consider hiring a contractor for this type of work!

Walls - Is the paint or old wallpaper making the room too dark, out of date, or showing damage or spots from mildew?

• Determine your new color scheme or theme for the room before painting or wallpaper goes up.
• Give a fresh coat of paint on the walls! Wash the walls down first and check for mildew. Any light mildew will need sanding and bleaching. Then clean the entire surface to be painted with TSP solution. Although a bit shiner, you may want to consider a satin or even semi-gloss paint as these will make your walls easier to clean and more resistant to constant cleaning. Just keep in mind, the more glossy paint will show imperfections in the wall itself.
• If you decide to wallpaper a bathroom, keep in mind the moisture content of the room. Also consider how often you may be cleaning certain walls near a sink or bathtub.
• Consider combining a new coat of paint with a wallpapered trim!

Lighting - Again, how bright is the space? Is it too dark or too bright and harsh?

• Replacing the light fixtures can help you add more soft light in your bathroom. Try to avoid glaring harsh lights as these can be very unappealing.
• Consider two light switch options for the room: one to soft light for general use and the other to brighter light for applying makeup, etc.
• Consider adding a solar tube or skylight for more natural lighting in the room. **You may want to consider hiring a contractor for this type of work!

Windows - If your bathroom has a window, consider if there are any updates needed to the window when coming up with your redesign plan.

• If an older window, you might consider replacing the window with a newer one. Or you may want to add additional windows or change the style to bring in more natural light. **You may want to consider hiring a contractor for this type of work!
• Does the window give enough privacy? You may want to consider updating blinds, curtains or frosting the window to provide more privacy to your bathroom.

Fan - If you have any problems with mildew or don't already have a fan, you may want to consider adding one to the room.

• Many fans now include overhead lights and can add a more welcoming feature to the room than the loud eye-sores of past models.

Shower Curtain or Door - You can brighten your bathroom by changing your shower curtain or door.

• Replacing an older shower curtain is a cheap way to help update the decor of your bathroom.
• Installing a bath/shower door can help lighten the space of the room. This can also help make cleaning easier and cut down on mildew or damp spots if this has been a problem. Many times shower curtains will let condensed water sit or runoff the corners of your tub or shower. A well sealed bath/shower door can help.

Hardware - Changing out your old hardware can be one of the easiest updates to the bathroom.

• Add a new towel rack or completely change the set to start a new color scheme with a brushed nickel, bronze etc.
• You can add a spa feel to your bathroom by adding little upgrades like heated towel racks!

Faucet - Updating your sink faucets can help give the bathroom a facelift.

• Sink faucets can be relatively easy to change out. If uncertain, take a class at a hardware store or hire a professional.
• Changing the faucets in your bathtub can be a littler trickier. However, again a class or professional can help with this change.
• If you have a showerhead, this can also be changed out to complete your new look and perhaps add a more spa like feel to the room.

Sink & Countertop - You may want to replace or refinish your sink.

• If you are already replacing your sink cabinet you may replace the sink at the same time if you get an all-inclusive unit.
• Consider adding another sink if you have the space. Many new vanities include a two sink option.
• You may also consider changing the countertop if the sink itself is fine. There are many styles of laminate to choose from or you may change the template completely with a new cabinet.

Mirrors - A mirror is an essential item to every bathroom.

• Consider updating your mirror if crackled or out of style.
• How do you use your mirror? You may want to consider mirrors that hinge out to provide angles or depth when needed or one that offers different strengths of magnification.
• Mirrors can also be decorative items! Mirrored sconces or tiles on the wall can help to give a dark corner light or a narrow space depth.

Refinishing & Liners - Refinishing or lining your tub can be a great way to make it look new once again.

• You can refinish your own tub, but you will need a respirator, spray gun, sander, chemical cleaners and will need to also purchase an acrylic top coat. The actual refinishing product can be purchased as a kit. Keep in mind that there will be a 30-60 minute wait between about three coats of acrylic and a 24 hour set time. Needless to say, this will be a time consuming project that will take patience, clear ventilation, patience, time, and patience. **You may want to consider hiring a contractor for this type of work!
• Another option is inserting a bathtub or shower liner. This is a task you can do by yourself with some careful planning and a few extra helping hands. There are also many dealers offering liners and installation for reasonable rates. **You may want to consider hiring a contractor for this type of work!

Tiling - Does your tiling need replacing? If you have the time and skill, this can be a great update to any bathroom.

• Again, consider your timeline, budget and skill before taking on a task of this magnitude. Consider a deep clean. Giving your tile a good clean can help breathe new life into them. Some also find it beneficial to selectively replace specific tiles and re-grout lines rather than replacing the whole wall.
• Consider this option if you are on a tight budget.
• Make arrangements to be without your bathtub for a while if you plan to retile this area. Although the tiles and grout may set at specific times, you may need longer to work it out if taking it on as a do-it-yourself project.
• If tiling/retiling a floor, consider how you are going to move the toilet and sink/sink cabinet or if you are going to tile around them.
• Be patient with any tiling project, take it slow as this is something that should last a long time.

Vinyl Flooring - If tile flooring is not for you, you may want to consider replacing your existing vinyl flooring with an updated vinyl.

• As with tile flooring, consider your timeline, budget and skill before taking on this task.
• Consider how you are going to move the toilet, and sink/sink cabinet or if you are going to tile around them.
• Again, consider taking a class at a local hardware store or hiring a professional if uncomfortable with this kind of work.

Part II: Major Remodel - This makeover includes major structural changes and updates. You may be more likely to need professional help. Also, this type of remodel may include obtaining specific building permits from your city or county.

Make a Plan - The fist step to any major remodel is to create a plan for the project.

• Determine your budget and time. Planning ahead will prevent unforeseen expenses and help you obtain better estimates from professionals you may need to hire for the project.
• You may need to get a building permit for some of your changes, especially if you are making major structural changes to the room.
• Consider what the bathroom is lacking such as do you have enough functional space, storage space, lighting, etc.
• Does the room have any items that need updating? This can anything from the plumbing to the sink fixtures. What do you envision for the space? Do you want a Zen retreat or a homey B&B feel to the room. Consider what you want the completed room to look like. Do you have anything in there that fits this idea now? Or will it be better to start from scratch?
• How much experience do you have with remodeling. Are there some aspects of this remodel that you are confident you can complete on your own? Perhaps you don't want to install the sink but have no problem putting in the tile backsplash. Mixing contracted work with do-it-yourself work can be a great way to save money if you have the time.
• You may want to consult with an interior designer for a major remodel project. They could bring up considerations for the space you may not have thought about.
• What kind of professional help will you need? Will you need a general contractor, electrician or plumber? Often times even a general contractor may hire out certain tasks (i.e. electrical work) under their supervision. If you know what tasks will need to be done then you will have a better idea of who will need to be hired on to help.

Hire a Contractor - With a major remodel you will very likely need professional help.

• Interview several contractors and get estimates from each. Ask questions and be bold enough to ask why estimate are different - i.e. if they are using different materials, this is good to know in advance!
• Many contractors will help obtain the necessary permits for your project. Check and see if any you are interviewing will help with this process. Avoid any contractors who say this or that permit, "isn't really needed."
• Check to see if the contractor will be sub-contracting certain aspects of your project such as plumbing, electrical, tiling, etc.
• Find out what they expect from you in getting sub-contractors access to work site, etc. For even more information, please see our article How to Hire a Contractor: Working as a Team on Your Next Home Project.

Permits - Many overhaul projects that effect the structure of your home will need permits from the city or county.

• If you are removing or adding any walls this may be affected by local or state building codes.
• You may not be aware of all the aspects in your project that may need a permit. Check with your contractor or if you are doing it alone, check with your local government for guidance.

Cabinets and Storage - You may want to replace or add to your existing bathroom cabinets.

• Adding cabinets can help you store essentials for the bathroom from towels to extra soaps and supplies. With a major remodel you may have the opportunity to include built-in wall cabinets/closets in your new bathroom. Otherwise, there are many styles of cabinets available. You can get stand alone cabinets or wall cabinets that fit above a sink or toilet that provide quite a bit of extra space.
• You can also consider changing your sink cabinet. A new design can offer a updated look and add more storage space to your bathroom.

Walls - Do you have room to expand your space?

• Taking down a wall to add space can do wonders for a small bathroom.
• Think outside the box. Replace a dividing wall with glass blocks to allow more light throughout the bathroom. Insert small alcoves within the walls to add little retreats for mirrors, candles and other decorative items to make the space more inviting. Some redesigns are using tiles on the walls as a protective "wainscoting" design. Other designs include half walls to offer definition of space without enclosing it. The possibilities can be endless.

Lighting - How bright is the space? Is it too dark or too harsh?

• Replacing the light fixtures can help you add more soft light in your bathroom. Try to avoid glaring harsh lights as these can be very unappealing.
• Consider getting an electrician to add light switches. Add one for soft, every day light and another for brighter, utilitarian light for applying makeup, etc.
• With the help of an electrician you can add recessed lighting, track lighting, or other design lighting updates.

Windows - If your bathroom has a window, consider if there are any updates needed to the window when planning your redesign.

• If an older window, you might consider replacing the window with a newer one. You can add a special feature like stained or frosted glass. Or consider built in blinds for a combo of extra privacy and easy cleaning. You may also consider making the window larger or adding an additional window to the room.
• Consider adding a solar tube or skylight for more natural lighting in the room.

Fan - If you have any problems with mildew or don't already have a fan, you may want to consider adding one in the room.

• Many fans now include overhead lights and can add a more welcoming feature to the room than the loud eye-sores of past models.
• Consider working with an electrician to get a more powerful fan with more options and better ability to clear moisture from the room.

Shower Door - You can brighten your bathroom by changing to a shower door.

• Installing a bath/shower door can help lighten the space of the room. This can also help make cleaning easier and cut down on mildew or damp spots if this has been a problem. Many times shower curtains will let condensed water sit or runoff the corners of your tub or shower. A well sealed bath/shower door can help.
• Another alternative to a shower door is using glass blocks or a tiled wall to separate the shower from the larger room. This adds a decorative feature and more light for the room overall.

Faucet - Updating your faucets can help give the bathroom a facelift.

• Sink faucets can be relatively easy to change out.
• Changing the faucets in your bathtub and the showerhead can help complete a new look for you bathroom.
• If remodeling an older home, a major remodel may be a good time to consider reviewing the pipes and improving water pressure and usage. There are many water saving devices available now that can still offer a good amount of water pressure.

Sink & Countertop - You may want to replace or refinish your sink.

• If you are already replacing your sink cabinet you may replace the sink at the same time if you get an all-inclusive unit.
• Consider adding another sink if you have the space. Many new vanities include a two sink option.
• You may also consider changing the countertop if the sink itself is fine. There are many styles of laminate to choose from or you may change the template completely with a new cabinet.

Refinishing & Liners - Refinishing or lining your tub can be a great way to make it look new once again.

• Refinishing your tub is an alternative to replacing or lining it. This process will need at least a 24 hour set time. This should be considered if working with more than one professional as work will have to be suspended as the acrylic is applied and sets.
• Another option is inserting a bathtub or shower liner. Many companies offer the liner and installation for a reasonable cost.

Tiling - Finish your spa retreat with professional tiling.

A major remodel is a great time to get the bathtub, shower, floor and even walls all done at once.

If you want to keep the old tiling, consider this a time to get damaged tiles replaced and grout redone.

New Big Items - A major remodel may also include getting a new bathtub, toilet, sink or custom made shower.

• If you are doing a different style design you may want to consider changing some or all of your big items.
• If you are updating an older home, this would be a great time to get a more efficient toilet or better fixtures to aid with water pressure.
• This is your own spa, maybe it is time to replace that old bathtub with a jetted one!
• A custom built shower can offer a neat new design and multiple shower spray option for a more spa-like experience.

Final Thoughts

Whether you are considering a small or large remodel, the short list above makes it obvious the possibilities are endless. In both cases, make certain to plan ahead and really consider how you want your new bathroom to function and feel. Have fun, get carried away, and then look at what you can turn into a reality. Get help from the professionals whether it be an interior designer or a general contractor. Or get in your hours at your local home improvement store's classes and put your patience and creativity to the test. Either way, the best part of a bathroom remodel is that once it is done, you can reap your rewards by enjoying your mini spa retreat everyday!

Many of us obtain our homeowners insurance when we purchase our home. After this initial purchase, we do not give this insurance another thought. It is not until the roof is damaged during a violent thunderstorm, a major appliance fails and floods our basement, or the neighbor's kid slips and fractures their wrist in our living room that we dust off the policy and ask ourselves, "Am I covered for this?" Don't wait until damage or an accident happens to discover what your insurance policy covers. Instead, you should have a good idea of what you are covered for and what is not included. Every year you should assess if your coverage should increase or if there is any optional coverage you may want to add. The purpose of this article is to point out some general characteristics of homeowners insurance and help in determining if you have the right coverage. Obviously this cannot substitute for a consultation with your insurance provider, but it will give you a better idea of what questions to ask. Image of home, crutches and turning road sign.

There are five popular topics concerning homeowners insurance that we will discuss below: types of damage covered, determining replacement cost, determining personal property value, understanding liability coverage, and ways to save money on your policy.

Homeowner insurance policies typically cover damages such as: fire and smoke damage, storm damage (i.e. lightening, wind, hail, ice and snow), water damage (other than flooding as this is separate), explosion, vandalism, theft (some companies are now offering an identity theft coverage option as well), civil unrest, and damage by aircraft and vehicles. You should discuss with your insurance provider any additional hazards you may face in your location such as earthquakes or floods. There may also be hazards you are not immediately aware of that could effect your insurance cost such as your neighborhood crime rate or if you own a Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. Click here for more.pet that is considered to be a high liability risk (i.e. certain breeds of dogs). Depending on the probability of need, you may be required to get additional coverage for these hazards by your insurance carrier and/or mortgage lender. To find out about special hazards in your area, talk with your insurance provider or contact your state insurance commissioner. If you run a home business, you will need to get separate insurance to cover business items such as computers and liability, i.e. if you run a daycare, your standard homeowners will not cover any accidents. Other items that are not covered by your homeowners insurance but may be covered by additional or alternate policies are: tenants, multiple family dwellings, land, theft by those covered in your insurance policy (i.e. recently separated spouses), and cars. Take a look at your policy and review your coverage. Consider how you use your home or where your home is located. Do you need additional or special coverage? This is a question you should review every year.

When choosing a policy, it is important that you consider the replacement cost of your home. The replacement cost is the amount it would take to replace your home. Replacement cost is not the same as the market value of your home as the market value includes the property it stands on and the current housing market. Because of this, it may not be equal to your outstanding mortgage. You can get estimates for replacement cost from appraisers, your local builder/craftsmen association or your insurance agent. Once you have determined how much your home replacement cost should be, you should review it and make any needed adjustments every Condos usually have a Master Policy that covers liability and property for common grounds. Individual policies then supplement personal property, liability and immediate structure.year. Most insurance companies will include an increase of coverage every year to match inflation. However, other items may also require you to adjust your replacement cost. Major remodels to your kitchen or bathroom or room additions can drastically effect the replacement cost of your home. If you use special materials or there is a housing boom making building materials scarce in your area, these too may affect your replacement cost. Another item that may effect your replacement cost is the change in building codes since when the house was built. Even with partial damage, it may be necessary to take the whole area/structure down to bring it up to code. If you own an older home, you should definitely discuss this with your agent. You may also get an extended replacement policy that will help you if your replacement coverage is below what you need. However, it is more economical if you take the time to review your policy and change your replacement cost coverage each year. Finally, keep in mind your policy should also include coverage for living expenses while the home is rebuilt or repaired. With the structure insured for major repairs, you can now consider your possessions.

Determining the personal property value depends on how much time the homeowner wants to invest in itemizing their property. Traditionally, most homeowners are covered at 50% of their home's value to cover personal property. Some pay a bit extra and get 75% of the homes value. Replacement costs like this cover like items, not necessarily the same make and model. You can also make an itemized actual cash value list that will cover items' actual cost minus depreciation. Many opt for percentage replacement coverage and then add a "floater" that will cover individual inventoried items. Major items should be inventoried with make, model, original cost, and documentation by picture or video. Items like jewelry and antiques should also have an appraisal. The documentation of these items should be kept in a secure location like a safe deposit box or a fireproof safe. Even if you opt for the general 50% coverage, you should have a list of your most valued possessions in case theft as this may help in tracking the items down (see more in our Home Security article).

Liability coverage protects you, your family, house guests and pets if they should accidentally hurt someone on your property or hurt someone or damage property elsewhere. On average, liability insurance usually covers up to $100,000 per incident. However, with lawyer and medical costs high these days, many homeowners also add an umbrella which allows for greater coverage at reasonable rates. Although most think of medical coverage as part of their liability coverage, it is actually categorized separate from liability because it pays for minor injuries that do not need to prove fault or negligence to be covered. An example would be someone twisting their ankle at your home. Liability is an important coverage that you will want to discuss with your agent.

Finally, there are a few things you may do to ease the cost of homeowners insurance. One way to lower your overall insurance cost is if you know you can take a higher deductible. If you can pay $500-1000 instead of $300 for each instance, this will lower your premium. Some decide to do this as the probability is that they will not claim or use the insurance very often. In addition to this, you may also pay your premium in larger and fewer payments. Another method to lower costs is to itemize your insurance to only the hazards you think most probable to happen. However, this option may not be available if you still owe a mortgage as the mortgage company may want more inclusive coverage. Also, you may check and see if there are any improvements you make to the home that may reduce your premium. Installing a home security system for example. Finally, combining policies with one carrier will also help you get lower premiums. If you combine your home, auto and life insurance policies, many companies will give you a preferred rate. Talk with your agent for further ways you may able to save money but maintain sound coverage on your home.

Conclusion
     There are a lot of options for your homeowner's insurance policy.  When setting up a policy, shop around and talk to different insurance companies to find one that works well with you.  Find out if they have a good reputation with the state insurance commissioner and consumer reports.  Find one that is fast, offers great service and handles claims fairly (you don't want to end up with a company that argues every claim).  Hopefully this overview has helped equip you with a better idea of the coverage you may need for your home.  You should have a better idea what to look for in a policy when you contact an agent to set up your homeowner's insurance.

More Resources

Household Checklist

There are a number of checklists available online; many are available from individual insurance providers. We found the following booklet from the University of Illinois to be the most comprehensive. www.ag.uiuc.edu/%7Evista/abstracts/ahouseinv.html

Household Papers/Records:
Taken from our earlier article about Home Security, here again is a checklist of important papers you should safeguard and how long you should keep them:
- Keep in Safe Deposit Box/Fireproof Safe: Birth certificates, marriage certificates, divorce legal papers, adoption papers, citizenship records, and other documents that are government or court related. A copy of a will, although your attorney will keep the original. Investment and business papers, government bonds, deeds, titles and copyrights to name a few more. General rule is, "Put it in if you can't replace it or if it would be costly or troublesome to replace."
- Taxes: IRS can audit up to 6 years back. However, you can get rid of pay stubs if you have your W2. Cancelled checks you will want to keep if they are related to anything you claimed on your tax return.
- Medical Bills: Keep at least 3 years.
- Household Inventory: You should have a comprehensive list for each room and what of importance is in there. This will help you claim losses in event of burglary or fire. The details of this list should be shared with your insurance carrier to make sure of coverage. It is recommended that you review this list once every 6 months.
- Deposit, ATM, Credit Card and Debit Card Receipts: Save them until the transaction appears on your statement and you've verified that the information is accurate. Then they may be shredded.
- Credit Card Statements: If there are not purchases related to taxes you may shred them once every year. However, if you have larger purchases on the card you may want to keep hold of these older statements. Special Note: Credit Card Agreements should be kept as long as the card is active!
- Loan Agreements: Keep as long as the loan is active.
- Documentation of Stocks, Bonds nd Other Investments: Keep while you own the investment and then 7 years after that.

Useful Links

National Association of Insurance Commissioners
www.naic.org FEMA: Homeowners and Renters www.fema.gov/individual/home.shtm

I recently bought a home in Columbia, South Carolina, and my home inspector said that the water pressure was too high, and should be set to between 40 and 80 PSI. Why is this so? A. The plumbing in your home is designed to function with water pressure between 40 and 80 pounds per square inch (PSI). If the pressure is too low, the water flow in the toilets, faucets and other fixtures will be weak, and if you are running your washing machine and trying to take a shower at the same time, you may not have enough pressure. On the other hand, if the pressure is too high it could cause leaks in the system, and in an extreme case could burst a pipe or fixture. This is especially true in older homes with pipes that may not be in the best condition. I once inspected a house that had a water pressure of 100 PSI, and the owner told me that his garden hoses were always blowing apart. A water pressure of 60 PSI is usually just right for most houses. If your local water supplier will not or cannot adjust the pressure to your home, a plumber can install a pressure regulator between the meter and the house.

For many, bringing a pet home is the same as bringing home new family. Pets easily find their way in our hearts with their playful antics and friendly companionship. When you first bring a new pet into your home it is imperative that you are willing to make some adjustments to your living space. This article is aimed at giving hints for all who have pets or will have pets in their home. Preparing your home and yard for your new pet is important to their well being and your ease of mind. The focus will be discussing animals that are out most of the time, like cats and dogs, that are more likely to get into some mischievous fun. However, many of these tips and hints will work for most of the four legged friends we bring into our home. Most of the tips will seem like common sense, however, when the new pet is roaming around it may slip our mind to check for common place hazards. Many times we take for granted that things are safe or wouldn't interest animals. However the puppy running down the hall with a roll of toilet paper would beg to differ!

So let's get your home and yard ready so it is safe for your pets (and also not a free going playground waiting for destruction and mayhem)!

Part I: Preparing Your Home

When bringing a new pet to the home the last thing anyone wants to think about is cleaning and proofing their home. However, taking a little time to do so will prevent headaches and possible heartaches. It will keep your pet, prized possessions and your sanity intact. This is true whether you are bringing home a new pet or adjusting an older one to a new home. Or, perhaps, you find your self in the unfortunate situation of losing possessions to a pet who has never had boundaries set up in your home. Whatever your reason, these tips will help proof your home for the new, old and mischievous pets in your life.

Think Below the Knees 
Get down on all fours and look around at the same level as your pet. There is a whole other world down at their viewpoint!

• Think low! Remove objects on low shelves, coffee tables, and anywhere else that is easy access. Anything destructible, such as paper, books, anything made of cloth (i.e. laundry). It is much easier to 'chew train' a pet if they do not learn a bad habit of "where to look" for destructible goodies when you aren't looking.
• Also think about food and snacks. Don't leave pop cans, candy wrappers, crumbs or anything else on a low counter. Leaving out these delicious tidbits can easily lead to "counter surfing".
• Since kittens and ferrets may actually have the ability to walk on your counters, make certain to keep an eye on them when cooking. You may have food on the counter and the stove burners on - both can be dangerous. If you are a messy chef you may have a very happy kitty, but it could be dangerous if you don't keep an eye on them!
• Speaking of food and snacks, make sure if you have smaller pets, like mice, that they are out of reach to your new puppy or kitten. Don't forget your fish - sometimes the idea that the aquarium is invincible can be tested.
• Smokers - do not leave cigarette butts where pets may reach them. If eaten it can lead to nicotine poisoning and the filters aren't good on the digestive system.
• Children's toys can be great fun for pets too! Make sure your kids realize they may loose their toy if it is left out and unattended. Also many toys may have small parts or can be easily broken into small parts by your pet which can be dangerous.
• Overall keep you place picked up of daily messes. For example: Newspaper whether read or not is still fun to shred and eat. (Same goes for the mail!) Just got home from shopping? Put away the bags! Plastic bags can be either chewed and swallowed (pups) or can suffocate some pets accidentally (kittens & ferrets).
• Sometimes pets will eat something that will require surgery to remove. Small objects to watch out for include rubber bands, balloons, beads, buttons, Q-tips, sewing needles, thread, staples, string, pantyhose and coins - to name a few!
• Medication should never be left around the house. Make sure it is secure - just like with children!
• Keep heating vents covered. Many pets love to snuggle up to these and you don't want your pet falling in.
• Smaller pets like ferrets should be blocked off from holes and other hideaways - you don't want them to find a comfy spot and not come out! Also be certain to check under recliners before moving them as your pet may find it a nice place to hide out.
• Plants should be moved to higher ground or blocked. Watch out for vine plants that your pet might grab and bring the whole thing down. * Some household plants are poisonous to pets. Here are a few: aloe vera, amaryllis, caladium, holly berries, lilies, mistletoe, mums, and poinsettias. For a complete listing check out the Poisonous Plants resource links.

Playtime!
Unless they are sleeping, or eating, they are playing!! Some tips to make this non-stop action fun and safe for both of you!

• Keep an eye on your pet at play with certain toys. Some toys don't hold up to your pets hunting prowess and become shredded in no time. Toys with squeakers are fun but many pets will work hard to remove them if your not watching. Just keep in mind if you are in the other room, you may never see them devour their cut up prey! A solution would be have toys for when you can see them and more durable toys for when they are in the yard, other room, or you are not at home.
• Also watch older toys. If they don't fall apart they may actually be warn into sharp edges, don't let your pet play with damaged toys, they can cut themselves easily. Look before you step when playing with all our small pets. Try this pattern "Turn, Look, Step"
• Some small animals such as rabbits are chewers and it normal to give them various chew toys such as: Cardboard boxes, empty oatmeal containers, bird toys, cardboard paper towel rolls, things to shred. Try to keep them away from your wooden furniture - they love wood! Instead wood sticks are available at pet stores.

Road Blocks
If they can't reach it, they can't eat it, scratch it, or all out destroy it!

• Don't forget the garbage! Take the garbage outside or make sure you can close it away in a closet/room where pets cannot reach it. Not only will they make a mess rifling through all the goodies they can also hurt themselves if there are any rough objects they rifle through.
• Keep some rooms closed. It is perfectly reasonable for there to be certain rooms that pets may not visit unless supervised. One obvious choice would be the bathroom (remember that puppy running down the hall with toilet paper - cute - but after the 20th time said pup turns from cutie to lil'-demon). If you don't have a door to a particular area look into getting a child gate or blocking it off with other materials. If you have a mixture of pets you may not want them to be able to access certain areas of each others space. A prime example is keeping kitty litter from dogs, some seem to find the "deposits" tasty snacks. In this instance you can set up a roadblock for the dog that the cat can still easily climb over.
• If your pet is especially good with its nose or paws you may want to get childproof latches. They will work well to keep them out of lower cabinets in your home.
• Keep the lid down on the toilet, especially if you use strong cleaners. Small, curious pets may fall in and pets taking a drink can be poisoned by cleaners - some of them even contain anti-freeze!
• Speaking of cleaners, here are some examples of cleaners that are really dangerous to your pets (to name a few!): ammonia, bleach, disinfectants, drain cleaner, oven cleaner, paint, rat/bug poison.
• Keep electric cords out of reach or secure them to baseboards. When first home keep an eye on where your pet is at all times. Some may try chewing on the cords. You can deter this with a taste deterrent like "Bitter Apple", a mix of vinegar and water, or hot sauce. Or even better, block access to them altogether.
• Speaking of cords, watch those drapery cords as well. Tie them up so all your window treatments aren't pulled to the ground.
• Many animals are attracted to fire. The light of a candle or the heat of a fireplace will peak their interest. Make sure candles are never left unattended. For the fireplace make sure Fluffy knows just how close they are allowed to get for a good snooze - warm is good, singed is bad.
• Keep the upstairs windows and any cellar doors shut. Young pets are just like children with their curiosity but can easily misstep and fall.
• Be careful when working in the garage. It is best to keep them out and make sure you clean up thoroughly! Such toxins like anti-freeze are very lethal to pets - a drop the size of a dime can be lethal! (You hear a lot about anti-freeze, not only is a small amount incredibly lethal, anti-freeze is also sweet smelling and tasting to pets - they will seek it out!!)
• Watch our for open dresser drawers, closets and other nice dark places, kittens are especially curious and many are drawn to these make-shift dens. Have you heard about the kitten jumping in the dryer? Its not a urban legend, be alert and check before you shut the door.
• Another warm place kittens like to snuggle is on a car engine. If your kitten has access to your car (or the neighborhood cat for that matter) it may help pound on the hood of your car and honk you horn. If you don't want to do this every day try to limit access to your car.
• One of my favorite words of advice when watching out for the sleeping kitten: "Locate your kitten before you sit down on the sofa or use the recliner." (Of course, depending on your house rules, that may go for your other pets too!)

Table Manners
Don't feed table scraps to your pets. Many times people don't realize that some foods okay for us can be toxic or hard on the system for animals.

Some foods to be aware of: Alcohol, Chicken & Turkey Bones, Nutmeg, Apples (stems & seeds), Chocolate, Onion Apricots (seeds), Coffee (grinds & beans), Peaches (seeds),  Avocados, Dairy Products (large amounts), Pears, Baking Powder, Fatty Foods, Plums,  Baking Soda, Garlic, Potatoes (peelings & green,) Broccoli (large amounts, )Grapes, Raisins, Cherries (stems & seeds), Macadamia Nuts, Yeast, **Tobacco, although not a food, ingestion can be poisonous

Holiday Playground
The holidays are fun for everyone - including your pets!

• Decorations should be up high or in rooms that pets have limited access.
• Any holiday lights should be treated the same as other electrical cords. Get it out of the way or secured so your pets don't accidentally trip over them. Also keep a lookout and make sure they do not chew on them; again a taste deterrent like "Bitter Apple" will work.
• Other holiday items to keep from you pets include: metal ornament hooks, popcorn strands, tinsel, angel hair (it is spun glass), and decorative artificial snow or tree flocking - to name a few.
• Don't forget that holiday plants like holly berries, mistletoe, and poinsettias are poisonous!
• Fourth of July fireworks are fun for us but many pets find all the racket frightening. One suggestion is to have treats nearby and give them treats whenever there is "Boom!" so they associate the noise with happier things (mostly used for dogs). Another thing to keep in mind if you are leaving for the festivities, don't leave pets alone out in the backyard. They may panic and do things they normally wouldn't do like digging their way out!
• Many holidays include house guests that are not familiar with your pet or household rules. After introducing your guest to your pet, make certain you let your guests know not to leave doors open, feed table scraps or any other important household rules. If there are a lot of guests you may want to arrange a quiet place for your pet to retreat.

Home Alone
What do they do when you leave the home? Preferably it doesn't involve eating the couch!

• Before you leave for a long day at work it is important your pet is calm. For dogs a good walk in the morning may be necessary. For cats a little play time will help with bonus energy. Teach your pet tricks and have them perform for you before you head out. Our pets sleep more then we do and getting rid of morning energy will help them settle for a nap while your out earning money to spend on them.
• If you have a really active breed you may want to look into a dog daycare or walking service for a couple days out of the week. Taking your dog to a pet daycare is like taking them to camp. They get to romp with other dogs and usually come home tired and ready for a good night sleep. Many find that a few days out of the week is enough to hold them over on the days in-between.
• Crates can be lifesaver when you are gone. If you have pet that is still undergoing training and is not sure of all the rules, a crate or restricted room is a must.

Cautionary tale on the restricted room - we placed one of our pups in a room in our house as we went out to get a bite to eat. There was no furniture in the room except for her crate with her toys. When we came back she had climbed the crate and chewed the metal blinds on the window and also proceeded to dig up part of the carpet!

Part II: Preparing

Your yard is fun place for you and your pet to enjoy the outdoors. Maintaining your yard for your pet is relatively easy. There are some hazards that you will want to watch for and prevent. Not all of your pets may enjoy your yard to its fullest, some may stay in pens or restricted kennel/runs. The tips below address pets that have more freedom. These pets roam a fenced backyard or around the perimeter of your house (i.e. Dogs & Cats). In addition to proofing tips we offer some ideas about making your yard more enjoyable. Sometimes you may have a small space or areas you really don't want Fido to excavate. Read on for a checklist of ways to make your yard safe and entertaining for your pets.

Yard Maintenance
When maintaining your yard you want to keep your pets in mind.

• When working on the yard keep pets indoors. Our dogs like to chase the lawnmower - bad idea - so they now watch from inside. Some pets may be just the opposite and try either to attack the mower or try to escape in a panic - equally bad idea. Besides the lawnmowers, trimmers, leaf blowers, chainsaws, and other loud tools should not be used when pets are around.
• Be careful with other tools such as shovels, rakes, spades, etc. Some pets may try to "help" you do the yard work and can inadvertently be struck by these items.
• Review the chemicals you use on your yard. Weed killers, bug killers/bait and other chemicals can be poisonous to your pets as well. Some you may still be able to use, however, you may need to let the yard sit for x amount of hours before letting your pets back out. Symptoms of poisoning usually include: vomiting, diarrhea and sometimes convulsions or unconsciousness.
• Keep your yard clean of waste. Especially with puppies, they can get in the habit of eating their waste. Besides, you will both enjoy your yard much better if it is not covered in poo mines! For cats you should have an outdoor litter box. This will be easier to clean and prevent the cat from laying waste to your (or your neighbor's) flowerbeds.
• Remove any ladders, tools or stacked piles (i.e. wood), etc. that young pets may try to climb or knock over. If you do keep the stacks in your yard, check that they are secure and cannot roll onto your pet. Consider carefully what you plant in your yard. Plants that can cause complications include: Rhododendron, Japanese Yew, Lilly of the Valley, Peach and Cherry Trees (pits) to name a few. See our links to Poisonous Plants for more details.
• You may want to try to keep your yard clear of the bee family by getting rid of nests on your property. Your dog cannot escape bees flying through the yard, but cutting down their numbers may help. All dogs are naturally allergic to bee stings. Depending on the location of the sting they may have to visit the vet for medication. If it is on the mouth/head it can lead to swelling and difficulty breathing.

The Kingdom 
Your pets will make your yard into their own domain. Make sure their kingdom is safe and enjoyable. 

• Check the fence of the yard for holes or gaps that may be an easy escape. Make sure your gates are locked and secured and guests and children know to do so as well.
• It is best not to have any young pets around water unattended. If you have a pool or pond make sure to watch them around this area carefully. Some trainers even suggest teaching pets how to get out of the pool or pond early on, sort of a "Swimming 101" for the pet in case they get into trouble when your back is turned. If your pet does get into a pool, make sure they get a bath so none of the harsh chemicals can effect their skin and coat.
• Most pets are sun lovers. If your pet likes to "sunbathe" keep an eye that they don't get too hot. Signs of heat exhaustion include: restlessness, panting excessively and drooling. The worst case scenario is the pet collapsing and eventually falling into a coma. To counter it, wrap them in a damp cool (not cold) towel and go to your vet or animal hospital. In hot weather keep plenty of water. Refresh and refill it often. If you keep food outside as well make sure it does not sit too long. The heat may cause it to spoil and flies may contaminate it.
• Make sure you have shade in your yard. You may even want to add a structure such as a doghouse for your pup to rest
• Ask your vet to recommend a flea & tick prevention plan right for your pet. Depending on how much your pet is outside, where it goes, etc. you may need more preventive tools. It is imperative you ask your vet as many medicinal solutions are measured by your pets size, weight, age, etc.
• Your pet may like to make or find a burrow to rest in. Block off crawl spaces under sheds or decks. You don't want them to get trapped or hurt by any debris you cannot see underneath.

Ideas for your Pet Friendly
Yard Below are just a few ideas of things you may do to improve your yard for your pet.

• Placing markers around your yard for your dog to potty on or for your cat to scratch on can help save some of your other trees. Start by blocking the trees you want to save and place toys or treats by the markers you want them to use. Eventually you can train you pet to have a habitual like for that particular log(s)!
• Prepare digging spots for your pets. For your dog it can be a small area of dirt and sand where you keep toys to encourage him to be there. For cats you can have one container/pot with catnip or another enticement. By keeping them interested in their designated digging spot they will learn to have fun there and leave the rest of your yard alone (most of the time!).
• If you don't want your dog in your flower bed try a wooden or stone fence. Some dogs will learn to stay out of the area due to the road block, however you may need to supplement the roadblocks with additional training.
• Dogs are going to do their rounds around "their" territory. This will leave worn paths in the grass. You may want to lay a nice stone path on their route to beautify it.
• Continuing with a dogs tendency to make paths, for smaller yards you can make a maze path for them. Using placing flowerbeds and other structures you can create a winding route for them for their territorial routine.

Conclusion

Pets are a wonderful addition to the family and home. Taking time to proof your house and yard will make both of your lives a lot easier. It may seem daunting at first that there are so many things to do for or keep away from your pets. However, after a while your pets will learn the house rules. You may even be able to reclaim certain areas of the house as your pet matures and understands not to destroy your things. For example, our dogs don't touch the laundry anymore and we can leave books on low shelves without them getting even a sniff of interest. You will find many of the hazards you watch for you will begin to do so naturally. Eventually you won't even realize your new habits. It is simply part of the lifestyle change that happens as it is always an adjustment to bring animals into our home. Just know that you can be pro-active, you'll have far fewer headaches in the long run and in the end you will have great company and lots of fun!

Got Attic Mold? How to Diagnose Common Sources.
By Mark D. Tyrol, P.E./Battic Door Energy Conservation Products

It happens to countless homeowners around the end of the year – you make the annual visit to your attic to collect the holiday decorations and what do you find? Spots and blotches covering the bottom of the roof sheathing. Worse yet – it turns out to be attic mold! What does energy conservation have to do with mold in the attic? Well if you take a step back and consider how the house behaves as system, they are often directly related. Building science experts have long been using the “house as a system” approach to diagnose the cause and origin of building defects. For example, ice dams. These are often caused by warm air seeping into the attic which causes the snow and ice on the roof to melt. The water drains to the edge of the roof (which is colder than the rest of the roof because it is an overhang and not warmed by the attic), freezes and creates an ice dam. As this process is repeated daily, the ice dam grows larger. Eventually water is forced under a shingle where it can seep into the house. Understanding how the house behaves as a system and the various causes and effects is necessary to diagnose most building related problems. But how about that attic mold? How did it get there? Mold requires chronic moisture to form and to thrive, so source(s) of moisture must be present. Possibly the moisture came from outdoors. The roof is newer and a quick check of the roof shows no obvious damage or leaks. Possibly the moisture came from indoors. During the heating season, the interior of the house frequently has high moisture levels, especially bathrooms and kitchens. A quick check shows that all bathroom fans, kitchen vents, etc. are properly ducted completely outdoors and not into the attic. The amount of insulation looks good and the attic is well ventilated. Don’t give up – you are almost there! Remember the house as a system? You know that warm, moist air is in the house, but how is it getting into the attic? By air leaks! Air leaks are the leading source of energy loss in most houses, and a frequent source of chronic moisture that can cause attic mold. Most homeowners are well aware of air leaks around windows and doors (especially old ones), but many overlook the numerous gaps leading directly into the attic! Have a look around the attic and you may find large gaps around recessed lights and fans, holes where wires or pipes are installed, even large gaps around the chimney. And don’t overlook the whole house fan and especially the folding attic stair - a big, uninsulated hole in your ceiling that is often overlooked! These gaps can add up to a large hole that allows warm, moist air from the house to flow right into the cold attic. The warm moist air condenses on the cold roof sheathing, creating chronically damp conditions that can lead to attic mold growth. And the energy loss – it can be like leaving a window open all winter long! Seal these air leaks and you stop a significant moisture source. And just think of all the energy you can save and the cold drafts you can stop! Mark D. Tyrol is a Professional Engineer specializing in cause and origin of construction defects. He developed several residential energy conservation products including an attic stair cover and a fireplace draftstopper. To learn more visit www.batticdoor.com