For some of us, there comes a point in our lives when we look around our dwelling and realize the college student look has to go. Others of us look around and see an eclectic mix of sad and worn hand-me-down furniture. And a few of us are just, well, bored with the décor we have had for the last five years.

To redecorate your home, you don't need to spend a whole lot of cash. Granted, a major remodel, such as a kitchen or bathroom, will be a whole different story (and an article to come later this year). However, any space in your home can be given a fresh look with easy do-it-yourself projects at minimal cost.

Décor Ideas for Any Room:

Use What Ya Got - Many times we become so accustomed to seeing things in the same place we don't consider their potential in another area or room of the home. Rearranging furniture and décor can give any space a new look.

• Consider how you use the space first, do you find some rooms are used all the time and others hardly at all? Frequently used spaces can easily become cluttered. Perhaps there is something you can move to a less used space to bring new purpose to that area. Convert a scarcely used nook to a game table or move a small bookshelf and add a lamp next to that comfy chair no one ever seems to sit in. Think outside the "box" of your previous layout.
• Similar to the point above, consider some of your larger pieces of furniture. Moving a piece out of the room into another may help free up space in one and redefine another.
• What is the flow of your rooms? Do pathways from one doorway to the next make sense? Perhaps everyone seems to be ducking in front of the couch to get by the TV when there is room to move the couch away from the wall. Contrary to popular belief, the couch does not need to go against the wall!
• Take established pieces and reinvent them. No, the modular sofa does not have to be one formal island in the center of the room. Break it up and add lights, or end tables to help recharge the room.
• Besides furniture, consider what you have hanging on the wall as well. Do you have old paintings that no longer appeal to you or the space? Do you have new photos that you can't seem to find a place for? If you are rearranging furniture, take pictures off the wall first, you don't want to be boxed in with idea to leave wall space for this or that. Afterwards, look at the new blank walls and consider the possibilities. If you are not rearranging furniture, still take the pictures down. Leave them down for a couple days and come back to look at the room as fresh as possible - what do you really miss being up there, what would you like to add, or perhaps, do you prefer a more blank, uncluttered wall?

Color Me New - A splash of paint can go a long way! Repainting walls can be a lot of fun and the best part is that if you don't like it you can just paint over it! Of course today there are great programs at the do-it-yourself stores that help you customize colors and paint styles before you begin. And painting doesn't have to stop at the walls!

• Repainting the ceiling can help to brighten a room considerably.
• If you have old painted trim, you may want to consider splashing on a fresh coat of paint or changing the color altogether.
• Painting old furniture can reinvent it and is something kids can get involved with if redecorating their own room.
• There are paint sets out there to help repaint anything with a surface. You can give any end table, lamp or bookshelf a new antiqued look. For example, we had some white metal dining room chandeliers that clashed with our house, it was easy to dismantle them and paint them with a rusted look and this saved us buying chandeliers that would otherwise have cost $200 a piece! I admit, we did this with the thought that we would replace them "down the road," but since their makeover they have stopped being an eyesore and we have even received compliments on them - most didn't realize they were painted until we said something!

It's ALIVE! - Plants can do wonders for the home. Some believe that you should have a plant in every room. Large potted plants can help give life to blank corners or help set up the outline of a nice path throughout a room. Smaller potted plants can add color to the window or shelf. It must be admitted that although nice idea, not all of us have a green thumb and lack of light may doom some of our green friends from the beginning. Many of the silk plants these days look very real, however, they are not for everyone. Another alternative is fresh cut flowers. Get enough small vases and one bunch can be used throughout the home and greet you everywhere from the bedroom to the kitchen.

Instant Relatives - "Instant relatives" is a phrase my friend uses for the photos of people in the new frames you buy. If you bought a frame 6 months to a year ago and still have those "instant relatives" you don't know staring at you, then you have just found one of the easiest home décor projects! If you don’t have new frames, they are an inexpensive way to help any room. And remember, all the frames on one wall don't always have to match; sometimes the mix match look of your décor is what can give it personality! Once you have some frames you like, fill them with memories or art you enjoy having around you. Today it is easy to enlarge photographs and add effects to them. Enlarge one of your favorite photos of Scotland or collage your last family vacation. Fill the frames with photos of family, friends, vacation scenery, art prints, artwork by the kids, favorite postcards or cards, the list can be endless if you let your imagination run with it; make it fun!

Facelift Under $20 - Many times just adding a few small pieces can help a space. At many department stores you can find: candles, sconces, mirrors, frames, framed art, plaque art, photo holders, statues, ornate boxes, pillows, table runners, etc. Any of these smaller items can be combined to add a unique design to your space. Also, many department stores package themed art (southwest, modern, Victorian, African, etc.) to help you create the design for the space you want. These series often go on sale as one design set makes way for another, leaving you a chance to find some great decorations with a little planning and patience.

Oh Just Hang It! - The softness of fabric in a room can make a major mood change. Drapes are one of the easiest ways to change the look of a space. You can get drapes relatively cheap these days. I have both purchased and made my own drapes and consider it a draw. I was able to get better fabric quality when making my own, but the time and headache (I'm not a sewing expert) did cancel out some of the ease of just buying them. Others have been smarter than me and buy a fabric they want, simply seem the edges and then hang them freely over the curtain rods. Another consideration would be bamboo or roman blinds, some find these a more colorful and cheaper alternative to standard blinds.

Camouflage the Old - Covering up what you already have can be a great alternative to buying new furniture. Covers for sofas, tables and chairs can help you bring new colors and patterns into your room. Again, you can make these items yourself or purchase them in the store. Unless you a proficient with the sewing machine, it may be easier to purchase some of these items. Sometimes even cushions and pillows can help cover up worn spots or add color to a drab space. While we are covering things up, you may also consider to use rugs to cover up and change the pattern/color or old floors. Especially for older hard wood floors or pergo, this can be a great way to spiff up your room.

The Finer Details - Another detail that can be changed on a small scale but effect a room on a large scale is your hardware and fixtures. Changing the hardware on cabinets can reinvent your kitchen or bathroom. You can also replace fixtures such as light casings, towel holders, toiletry and soap holders, etc. Changing these items can help change the room from modern to antique or vice versa (just for example). Many department stores sell fixture sets that can be a quick and easy facelift to any bathroom.

Just Say No to Clutter - Finally, one of the most effective ways to redecorate your home is to get rid of clutter. This doesn't just mean picking up bits of paper. This can also mean getting items to help you organize. Many stores offer beautiful baskets, tins or other containers that can be used to organize your madness. Adding a bit of shelving, a chest, a large basket or an ottoman that opens up for storage are just a few ways you can change the look of the room and give yourself storage space. Changing a room from cluttered to organized can have a dramatic effect on the décor and overall feel of the space.

Conclusion

Redecorating your home on a low budget can include inventive use of what you already have to inexpensive updates to your room such as paints or wall hangings. Obviously we have only touched a few methods here. Hopefully this list helps you think outside the box and consider other ways you may utilize the spaces in your home. Still want to see more? Check out a few of our suggested links on the right. Happy decorating!

Further Reading

About.com

If you long for a beautiful home, you have come to the right place! Learn about home decorating, get tips for projects, find directions for how-to's, and advice from About Guide to Interior Decorating, Coral Nafie. Take a look!

Behr.com

Get interior design ideas from dozens of articles and hundreds of images.

BHG.com

Join us for truly inspiring decorating ideas, easy projects, step-by-step how-tos, practical home improvement tips, remodeling ideas, and home plans -- from Better Homes and Gardens family of magazines.

CountryLiving.com

Home decorating ideas, craft projects, home accents, renovation tips and more country style from Country Living magazine.

Do-It-Yourself.com

Decorating and painting is a key ingredient to a beautiful home. Before you begin decorating or re-decorating your home, learn more about painting techniques and preparation, selecting paint colors and finishes, decorating and designing trends, and interior décor, accents and furnishings. Home decorating has never been easier!

HGTV.com

Learn more about decorating and interior design ideas, projects and how-to from videos on Home & Garden Television.

KatieBrownHomeWorkshop.com

This is the official website for Katie Brown and the Katie Brown Workshop. It is the place to shop and buy Katie Brown books and provides information regarding lifestyle and domestic guru, Katie Brown and answers any questions you have about Katie Brown’s books, products, columns, Podcasts, or her televisions shows including the Katie Brown Workshop on Public Television.

MarthaStewart.com

Different ideas from her show and magazines.

RealSimple.com

Magazine and TV show about simplifying your life. Includes home solutions, meals, special features.

Many people are skeptical when they hear about neighborhood watches. Many think it involves a lot of effort with minimal impact or effect. However, most police departments will inform you otherwise. A neighborhood watch can help police cut down in crime as you are going to notice suspicious, out of place behavior in your neighborhood before they will. An example that is often used is the scenario of the stranger hanging around your neighbor's car. You look out your window and notice a stranger at your neighbors car and know they do not belong to that car. However, when a cop car drives by the stranger casually looks up and waves hello. The officer cannot tell that person does not belong to that car or neighborhood, he/she may wave back and simply drive ahead. Obviously a call from someone in the neighborhood would inform the police of the stranger's suspicious behavior and they can question them. So how does a neighborhood watch work? How do you set one up? How can you and your neighbors reduce crime and help the police in your area?

Why should our neighborhood start a watch?

Still haven't convinced you? Fair enough, lets look into the benefits of a neighborhood watch a bit more. Unfortunately, most neighborhoods don't consider a neighborhood watch until there is already a problem with thefts, burglaries and/or vandalism. Today, many households have two working parents and kids gone at activities so the home is empty a majority of the day making it a target for thieves. A neighborhood watch helps to place other sets of eyes on your home when you are away. Your neighbors get an idea of who belongs there and will more easily recognize something out of the ordinary. The neighborhood watch will also help build a community partnership. Neighborhoods today are more isolated, people do not know their neighbors so it is more difficult to identify normal behavior for a household. Some neighborhoods have taken this a step further and used the watch to help community in the time of an emergency. Recently in Saucier, MS a neighborhood watch group used their ties to make a list of all those staying behind when Hurricane Katrina came ashore. After the storm, members used this list to make sure everyone was accounted for and also used the list to set up aid for the community including food, water, clothing and other necessities (Neighborhood Watch Needs You, National Crime Prevention Council). In addition to building a sense of community, a neighborhood watch can also help keep the community informed. A neighborhood watch sets up a phone tree system so you know if someone has had a problem in your area. Without this system you may not hear about vandalism or some other problem until a much later date or not at all. Finally, a neighborhood watch helps the police in you area do a better job. As in the example in our introduction, neighbors are the ones that can inform police of suspicious behavior that would not be obvious to them. Also, neighborhood watches may help police build a case on crimes. For example, in one neighborhood, there was a vandal who was slashing tires. In most cases this would only have been a "slap on the wrist" with little real consequence to the vandal. However, with the neighborhood watch, they were able to document that 80 tires were slashed in the neighborhood during the same crime spree. This made it much easier for the police to build a case for stronger prosecution of the vandal (Open Letter to Watch Groups in Kent). These are just a few examples of ways a neighborhood watch can help your community.

What does a neighborhood watch involve?

Meetings - The last thing anyone wants is more meetings to attend! With a neighborhood watch there are really only two major meetings that need to be done.

The First Meeting - The first initial meeting with your neighbors is to see who is interested in joining. This is a vital meeting in that it is where everyone learns what is involved and expected of participants. Once people find out how little time is involved, many neighbors will express an interest. At this meeting you will want to cover setting up a map, a phone tree, and electing a captain and co-captain(s). You may also want to distribute information on programs like Operation ID or other crime prevention programs that your community may find beneficial (your police department can help you find materials or you may also look to the organizations listed in ourMore Info on the Web section).

Yearly Social - After a watch is in place, there should be at least one neighborhood social per year. This may be a BBQ, Community Garage Sale, Neighborhood Picnic, or some other type of family friendly, all-inclusive gathering. At these social events, captains and co-captains may easily give quick highlights and goals for the year. This could be done as a speech or flyers handed out at the event. This would also be a good time to check and see of any changes in information for the watch - such as a change in phone number, etc. After a quick recap of watch business the rest of the social is a community building experience. It is a chance for neighbors to get to know one another and put faces with names. It should be fun - not tedious!

National Night Out - National Night Out (NNO) is sponsored by the National Association of Town Watch. It is an annual event for neighborhoods to participate in to promote safety and awareness in their community. Taking place on August 1st of every year, the identified goals are: "heighten crime and drug prevention awareness; generate support for, and participation in, local anti crime programs; strengthen neighborhood spirit and police-community partnerships; and send a message to criminals letting them know that neighborhoods are organized and fighting back." Again this is organized around some social activity such as BBQ, block party, or flashlight walks, to name a few. A neighborhood watch can register their event with NNO and receive helpful information about how to set up their event. To find out more visit their site at www.nationalnightout.org/nno/.

Captain & Co-Captain - Captains and co-captains are those who help organize records and keep track of the changes in the neighborhood. Captains are the contact point for people to notify of changes such as phone numbers or new residents. Usually captains will organize a welcome for any new residents welcoming them and informing them about the neighborhood watch to see if they would like to participate. And most importantly, captains are informed of any problems in the area. It is assumed the effected party would have notified the police. However, the captain can also track events and report it to their contact with the police department; as in the example above, it was a captain who brought it to the attention of the police that over 80 tires were slashed in one crime spree. Keep in mind the police don't have a database that would track minor crimes like this, thus a neighborhood watch can help collect this useful information. Captain should be by no means be an exhaustive position! Instead, they are helped by co-captains and can have their duties covered by co-captains when gone. Many neighborhoods will assign more than one co-captain to help share responsibility. One example is to have a captain designated as the main police contact and then multiple co-captains for each block or cul-de-sac for neighbors to report to.

Phone Tree - A phone tree is the easiest and fastest way to help notify the neighborhood of important events. Like other phone trees, each person only calls a few people and then the next group calls the next so no one person is calling everyone. After a crime has happened a phone tree may be used to help notify the neighborhood a certain type of crime at a specific location occurred. Today, some may opt for an email instead of a phone call. However, make sure to somehow include all that want to be involved. Some residents may not want to use email and still need a mini phone tree.

Newletter - This is not the quickest way of giving out information but it is effective. Either pamphlets or emailed letters will help give the neighborhood updates of what has been going on the last couple of months. Unless there are major concerns, newsletters may be quarterly or every couple of months. Many times these newsletters can also inform residents of local events or holiday related safety and laws; for example, safety tips and local laws for the use of fireworks on the 4th of July. If working with a police department representative they may already have a newsletter available to which you may tack on neighborhood info before distributing. Newsletters are not required for a watch, but some do find them useful.

Map - The map is a extremely useful tool for the neighborhood watch. A standard map will show the streets involved in the watch, the homes, names of residents, phone numbers, emergency in-state and out-of-state contact numbers and email. This information is always voluntary. However, many residents will find the extra security worth it. Most of us will not know an address of our neighbors, instead we know 'it is three doors down' or 'just around the block'. This map will help get the exact address if the need arises to notify the police and neighbor of a problem. This map may be used in a number of ways. This can be used by a neighbor who sees someone prowling outside a window at night to call the neighbor and the police. If there is smoke from a house, a neighbor can tell the fire department the exact address and notify the resident if they are not at home. Or it might be used with the phone tree to raise the alarm in a neighborhood. One example of this is a vandal just broke the front window of the house but was scared off and got in a car and drove off down the street. You can call the neighbor down the street and see if they saw which way the car turned or can see the license plate. All this will help police track them down. This is a good time to note, that a neighborhood watch is used for information gathering - at no point should neighbors be running out in the street as vigilantes to stop crime. Instead they use the phone tree, map and neighborhood connections to track events and relay information to the police!

Operation ID - Operation ID is a way to encourage citizens to inventory their valuables. Residents mark or engrave valuables with a special number. Usually a driver license is used as this is public information and also identification back to you. If you use your driver license number, then make sure to put your state initials before the number and DL after so the number cannot be changed and will help police identify out of state items. NEVER use your social security number! Valuables may be marked with your identification number with invisible marker or engraved. Keep an inventory list of all items marked and store in a secure location such as a lockbox or fire proof (locked!) safe. Once you have inventoried items you may get some decals from the police for your windows and items. If your police department offers these decals it is usually a limited number. You may have to purchase more decals for all your items. Many neighborhood watches purchase an engraver for the neighborhood and then check it out to neighbors. They also then get decals for all participants so the neighborhood is covered and burglars are deterred. **If you sell an item with your ID, then cross it out with one line and initial it. Also make sure to note it on a bill of sale for the buyer. Keep a copy for your records.

Going the Extra Mile - Make an effort to look out for each other on a daily basis. Help each other better protect their homes and the neighborhood by encouraging neighborhood participation in activities.

• Get all neighbors to turn on porch lights at night.
• Help older neighbors or others who may need help with the safety of their home. For example, help trim high bushes in front of their door/window or change light bulbs in high outdoor lights.
• Have clean up parties to help clear out vacant lots, playgrounds/parks or abandoned cars. Help clean graffiti right away.Work together to beautify the neighborhood, let would be criminals know you care about where you live!
• Recognize captains, co-captains and other participants who go that extra mile to help others!
• Use the neighborhood watch to sponsor safety events. For example, invite fire fighters to a meeting to help better prepare residents against fire.

How do we start a neighborhood watch?

So how do you start a neighborhood watch? First, contact your local police. Not all departments have facilitators to help set up a neighborhood watch, but they will have resources available. Even if they do not have an official representative, ask the department if an officer may be able to stop by the meeting, many times something like this can be arranged in advance. Next, set up a meeting with your neighbors to give out information and see who is interested in participating. This should be a meeting place accessible to all, maybe a school or church in the neighborhood. As mentioned before, this is the vital meeting where you explain to others what is involved and expected for participation. You will find that many neighbors will express an interest, especially after they find that it does not require a great deal of time or effort. At the first meeting get as much information as possible as it is harder to get the information later. Nominate a captain and co-captain, hand out a form for residents to submit information for the community phone tree and map. Find out if residents are interested in meetings every few months or general meetings about fire safety or if they want to stick with one annual meeting per year. Once the first meeting is over and the information is gathered, the captain and co-captains can compile the phone tree and maps. These will then be given to every participant in the neighborhood. And that was the major bulk of the work. Now it is up to residents to keep information up to date and work with their neighbors on community projects or socials. That's it! 

There are many benefits to a neighborhood watch program. Start the dialogue with your neighbors and see if you can start one in your community. It is a great way to build community, cut down on crime and rethink what a "neighborhood" is all about!

You have a great idea of what you want to do but you just don't have the skills to implement it. Whether remodeling the kitchen, a spare room or adding on, some projects are better handled by professional contractors. However, make sure you do not get into an agreement with a contractor on impulse. Instead, picking a contractor should be a selective process that is well researched and prepared. This is not only a financial investment; this person (and their team) will be in your home and working with you on a project that may take days or, more likely, weeks to finish. A sound partnership is important. Below are some suggestions for planning out your partnership with a contractor. Also included are a checklist guide and contract example forms from our partner Lawchek®. All are helpful suggestions and tools before hiring any contractor.

Part I: Overview

The following points may help you in the process of hiring and working with a professional contractor.

Plan out your project.

Whether a full kitchen remodel or a new back patio, make sure to plan out your project in advance. You should know what materials you would like to use and what the end project will look like. If you are uncertain about various options, then consult an interior designer, landscape architect or architect. They can help take the ideas you have imagined and tell you how they can logically work. They can also help you create detailed plans of the project and a list of materials for its completion. Many times they will continue to work with you as the project is being completed as well. Having this type of plan in place before hiring a contractor is essential to ensure clear communication. If you start a project unsure of the final outcome you may cause delays and extra expense if you keep changing your mind. To have a large project planned in advance will help you to remain focused.

Determine the kind of contractor you need.

Will a general contractor be able to complete the whole project or will you need cabinet installer, plumber, electrician, etc.? Preplanning your project should help you answer some of these questions. You can be ready to interview contractors knowing that they either need experience in or will need to sub-contract certain aspects of your job. If they cannot do part of the project, will they expect you to hire a specialist (i.e. electrician) or do they have a partnership with one already established? Consider if they have previous experience with your type of project. Ask if they familiar with the architecture and age-specific concerns of your type of home. How have they met the challenges in the past?

Research any permits that may be necessary. With a plan from your architect or landscape architect in place you will now have an idea of how much you will be changing your home. You may ask these professionals as you work out your plan if the project will need building permits. You may also ask this to your contractor as well. However, keep in mind that although some contractors will handle the building permit process themselves as part of their contract, others may leave it up to the home owner. Some argue that only the contractor should handle building permits as this ensures they follow all codes. If you get the permit and the contractor does not follow the codes you may have a harder time seeking corrections by the contractor afterwards. As a first step, it will be very helpful to know whether you need a permit before even contacting a contractor. This is also key to avoiding any fraud. If you already know that your project requires a building permit but your contractor tells you not to worry about it, you have clear warning that this contractor may not follow local and state building codes, get someone else!

Consider the professionalism of your contractor.

This is the first basic step when looking at different contractors. Check and see how long they have been in business, if they are easy to talk to and if they are able to meet with your timetable expectations. Determine if all of their contact information is current. Also, look for a contractor that is easy to reach; if you are playing phone tag to obtain a quote it is a pretty good indication of what it will be like trying to contact them once your project is started! Find out if they are a member of any trade associations and stay current in their training. As an extra precaution, you may also want to research with the county if they have been named in any past law suits. Contact the Better Business Bureau, Attorney Generals Office, and local consumer protection agency to check on any past complaints.

Verify insurance and licence information.

Insurance: Always make sure the contractor is properly insured. You should receive a certificate of insurance from the insurance agency listing you as the co-insured. It should be original and not a photocopy. The types of insurance you are looking for: General/Personal Liability which will protect your property; Workman's Compensation which will cover the contractor(s) if they are injured while working on your property; and Automobile which will protect you against any claims if they damage another vehicle/object while on your property. All these will protect you from having your homeowner's insurance responsible for any mishaps or accidents that may happen. License: Not all contractors need a license in every state. Also, the cost of a project can sometimes determine if a contractor needs a license or not. In most states the more expensive the project, the more likely they need a license. A good online reference to find out about license requirements in your state may be found at Contractor's License Reference Site. If your state does require a license, make sure it is current.

Ask for references and call them! 

Ask potential contractors for references. Do not do any further business with contractors that refuse to supply references. The references should span both recent and older projects that are all similar to yours. If you are getting a kitchen remodel it doesn't make a lot of sense to talk to someone who had a new deck built. Once you have the contact information, do the most important step - call them! You may even see if they are willing to let you see the project first hand with the contractor or if they have photographs of its progress; your contractor may also have photographs available. Below are some sample questions to ask references:

• Are you pleased with the project result? When talking to references for older projects ask them how the craftsmanship has handled everyday wear and tear.
• Did the contractor stay on or close to schedule?
• Did the contractor stay on budget?
• Did the contractor follow the written contract? In hindsight, is there anything you would add to the contract?
• Was the contractor easy to talk to or reach when you had questions or concerns? Did the contractor stay on site to supervise his/her team?
• Did you get along with the contractor's team? The sub-contractors they used?
• Where you happy with how the contractor and his/her team treated your home and property? Any messes, etc.?
• If there were any corrections, was the contractor willing to make changes or did you have to place a formal request or hire someone else?
• Would you use this contractor again and/or recommend him to someone else?

Review estimates for differences and find out why.

Once you have three or more estimates begin to look at the differences. Why are some contractors lower or higher than others? Ask them to explain their estimate. For example, is an estimate lower because of different materials used and does this translate to difference in quality? Does one contractor have a larger team or expect to hire more sub-contractors? Is a contractor "saving you money" by cutting corners on safety, local regulations, etc.?

Create the contract.

Finally, the written contract you create with your contractor is extremely important. So much so that we have listed factors that should be considered for the contract in a separate section below. To review that section now, click here.

Part II: Checklist

The partnership with your contractor can be very rewarding experience if you make sure to plan ahead. With the items mentioned above in mind, we have compiled an easy to use checklist that will help you when reviewing various contractors for your job. We have listed the items below but you may also print out a PDF checklist by clicking here.

Hiring a Contractor Checklist:

• Where did I find the contractor? (Phonebook, Online, Friend/Family, Other)
• The contractor is licensed (if required) and registered as a business in this state.
• Contractor has all necessary insurance to complete the job safely. Including: Worker's Compensation, General/Personal Liability and Automotive.
• I researched any complaints with the Better Business Bureau, Attorney General’s Office and other local consumer protections agencies.
• This contractor does not have too many jobs and can fit my project within my time schedule.
• I obtained at least 3 references (from each contractor).
• I have called every reference and asked thorough questions.
• I reviewed at least one project site from the reference list in person.
• I have a detailed bid from this contractor. Including: describes all parts of project to be completed, estimated material cost, estimated labor cost, estimated time needed for completion.
• I understand everything in the bid and what that project will entail. I have asked for clarification on anything I do not understand.
• I understand the pricing.
• The contractor clearly lists the types of materials he expects to use.
• The contractor offers warranties on materials and craftsmanship.
• This contractor will obtain all necessary building permits.
• This contractor has provided a sample written contract of a previous project. I understand the wording of the contract and can easily see how to adopt a similar one for my project.
• This contractor is easy to talk to and has been easy to get a hold of for follow up questions.

Part III:

The Contract The written contract between you and your contractor should be taken very seriously as this will be the roadmap that both parties will use to ensure that everyone is kept on task and happy. The following items are highly suggested to be included into the contract. You may add and remove items as they pertain to your particular project or situation.

1. The contract should specify exactly what is expected to be done. Besides the project, any clean up, where materials will be unloaded, etc., should also be included.
2. Specify the dates for commencing and ending the project. It is also a good idea to detail what is expected if delays occur due to weather, material delays, etc.
3. Detail the materials to be used for the project and their cost; this includes brand names and other identification to make certain there is no confusion. Not recommended, but at the very least, detail an allowance specifically for materials with strict parameters.
4. The contract should detail the contractor's insurance clarifying that coverage is expected through his/her carrier.
5. It should be clear who is responsible for obtaining permits and what permits are required for completion of the job. Ideally permits will be obtained by the contractor.
6. Method of payment and payment schedule should be clear. Never pay for the entire job in advance! Depending on your state there may be a limit to your initial down payment. Usually it is enough to cover any special material costs and initial start of the project. There is usually an agreement to pay by interval as different stages of the project are reached. Again, detail this in the contract. Once written, make certain you both understand the payment terms before either of you sign.
7. Any warranties provided by the contractor should be detailed in the contract. Identify if they are full or limited warranties and describe exactly what they will and will not cover. If warranties include manufactures, make sure all of their contact information is included in the contract as well.
8. Finally, a method for dispute resolution should be included in your contract. This should detail how each party should be notified of any grievances. The best means would be mediation or arbitration as this can save you both money. However, if a problem does arise make certain every notice of a problem(s) is done in writing so you have record of your attempts at solving the problem.

As a general rule, be as detailed about the project and all expectations as possible. We have included some sample contracts from our partner site Lawchek®. These are only samples and should be reviewed and changed to fit individual project needs.

• Subcontractor Performance Agreement for Residential Construction
• Deadline Extension Amendment

This reference should answer basic questions. The questions recited on these pages are the more commonly asked questions of attorneys when a client first makes contact for the purpose of a better understanding of real estate legal matters. This is not a substitute for legal advice. It is never recommended that an individual undertake his or her own representation in such matters as real estate law, even though most states do permit such activity. Any individual who is serious about proper real estate transactions would want to have capable legal assistance. An attorney must be consulted. "This work is protected under the copyright laws of the United States. No reproduction, use, or disclosure of this work shall be permitted without the prior express written authorization of the copyright owner. Copyright © 2006 byLAWCHEK, LTD."

So, you are buying or selling a home and you feel that you need an experienced professional to inspect the property so that you go into the sale/purchase knowing everything that you need to know to make the proper decisions and arrive at the dollar/value amount that the property is worth to you. But, how do you go about it? All of the Inspectors’ ads seem the same - they all tout the same lines of how great they are, etc., etc. It’s impossible to get a referral because you really don’t know anyone who has bought or sold a home recently, and you surely don’t trust the Realtor's choice because you are pretty sure the Inspectors that they use are “their good Ol' boys” that solicit the Realtors for work. So, what’s a person to do? 

Well, let me make it easy for you to cut right through all of the hype and “fairy tales.” I’m going to give you a downloadable short chart that you can print. On the chart will be a few of the most pertinent questions you would want to be asking of your prospective Inspector as to his/her qualifications to be sure that they will be the one that will give you the knowledge and peace of mind to move forward into one of the biggest investments/transactions you will make in your life. If you use the chart as it is designed to be used, you will be able to fill in the boxes below each Inspector's name with check marks or minimal info relating to the answers you receive from the several Inspectors that you interview. It will become evident in short order who is the most qualified Inspector that you should hire, unless, of course, you are an individual that is of the opinion that all Inspectors are the same, all inspection reports are the same, and the only difference is who is the cheapest, which, in that case, I’m sure that you will get exactly what you bargained for. Besides, who better than the Inspector himself knows what he/she is worth! Download the Home Inspectors Hiring Questionnaire as a printable PDF file.

Finally, for those that really want to know who they are hiring to perform such an important service for them, I will give you a list of additional questions that you can ask that will further qualify an Inspector to you, if you wish to know more and take the time to ask them. Hey, you’re only talking about a few hundred thousand dollars of your hard earned money here, so taking a few extra minutes of your time to hire a true professional who will be supplying you with the knowledge and peace of mind that you need at a cost of less than ½ of 1% of what the transaction will be is, well, maybe worth the extra effort. I’ll make it even easier for you; I’ll give you some links (see box to the right) to go to so you can check if the answers the Inspectors give you are true.

So, roll up your sleeves, pull out the telephone book, and go online and decide on a few Inspectors that on the surface look promising. Write their names at the top of the columns and then start dialing the phone and asking the questions and filling in the blank boxes with check marks and info.

Questions To Ask:

1. How long have you been inspecting?
2. How long have you been in the Construction and Home Repair business?
3. Are you “certified” by any national organization as a Home Inspector? Are you a licensed General Contractor?
4. Are you licensed in any thing?
5. Have you ever hands-on built a home from scratch? If so what, where, when?
6. Have you ever spent any “real” time in the home repair field? If so, what, when?
7. Do you solicit realtors to obtain your work/inspections?
8. What, EXACTLY, do you inspect and include in your inspection report?
9. Is the report computer generated, easy to understand and have digital color pictures? Do you offer a money back guarantee?
10. How long will the inspection take?
11. What is your fee?

These should be the short list, lucky thirteen if you will, that should shed a little light on just how much experience your Inspector has, how qualified they are and the basics of what you can expect from them should you hire them. http://www.unbiasedinspections.com/index.htm

Additional Questions You May Want To Ask:

1. Do have a website and what is its address?
2. Do you have any references you would like to share with me?
3. Can I accompany you during the inspection?
4. Have you ever been sued over one of your inspections?
5. How do you stand behind your inspection if a problem comes up?
6. How much continuing education do you take every year? What other services do you offer?
7. Do you belong to the local Realtors Board?
8. Do you advertise in any of the real estate companies’ sales fliers?
9. What/whose Standards of Practice do you inspect to?
10. What Home Inspection organization(s) are you most proud to belong to and why?

MY ANSWERS To The Questions:

I have been in the Home Inspection business for 40 years.

I have been in the Construction and Home Repair business for 45 years.

I am certified as a Home Inspector by the following organizations: CalNACHI, NACHI International, IHINA.

I have been a licensed General Contractor since 1977.

I am licensed in the following: California General Contractor & California Structural Pest Inspector.

I have built many structures since 1977, including such projects as a geodesic dome home.

I have 45 years of hands-on “real” time in the home repair field/structural pest control business.

I do NOT solicit realtors to obtain inspection work.

For each report I inspect all visible and accessible portions and systems of the house and property.

Each computer generated report is easy to understand and includes digital color pictures.

I offer a money back guarantee and stand firmly behind it!

Each inspection will take 4 – 8 + hours depending on the property to be inspected.

The fee will vary depending on the property to be inspected.

I have a website at www.unbiasedinspections.com.

I have numerous client references on my website at Client Testimonials.

I encourage my clients to accompany me during the inspection, or at least be on site near the end of the inspection. 

I have never been sued over an inspection, even though I’ve been inspecting homes since 1968.

If a problem comes up regarding an inspection, I have a money back guarantee.

Each year I obtain usually 40 - 50 hours of continuing education in pertinent home inspection classes.

Other services offered… structural pest (termite) inspections, thermography scans and reports, floor level mapping, consulting.

I do not belong to the local Realtors Board in order to avoid any perception of conflict of interest or collusion.

I absolutely do NOT advertise in any of the real estate companies’ sales fliers.

My home inspections are performed under the Standards of Practice of CalNACHI (National Association of Certifed Home Inspectors).

The Home Inspection organization(s) of which I most proudly belong is CalNACHI (National Association of Certifed Home Inspectors) because of their high standards and stringent continuing education requirements. I’m also proud to be a member of Independent Home Inspectors of North America (IHINA) because in order to be a member you must sign a pledge NOT to solicit business from realtors!

- Ron Ringen Ringen's

Unbiased Inspections https://www.unbiasedinspections.com/home-inspection-articles/how-to-hire-a-home-inspector/

Lately, when we turn on the news, we hear about a troubled economy and an unstable job market. The constant barrage of bad news has encouraged most of us to cut spending wherever possible. Perhaps a household will cancel cable TV for a year, limit their cell phone plans, reduce the number of times they eat out as a family, or tackle another cost reducing option. As many different "belt-tightening" measures are taken, everyone should be careful they don't cut the essential items. One annoying essential is the cost we pay for insurance - there is no guarantee we will need it in the near future (in fact, we hope to need it as little as possible), however, if an accident does happen and we don't have coverage, the costs could send us into bankruptcy. Understandably, if a bread-winner of the household loses their job, it is tempting to cut costs where we cannot see the immediate need. This said, it is far better to reduce coverage than to go with no coverage at all.

Before we discuss insurance any further, let us get this down now - it is not worth the risk to eliminate insurance coverage completely.

• For homeowners insurance, your mortgage lender will require that your home is at least minimally insured. However, it is possible to let your insurance coverage lapse if you don't pay your bills or mortgage. A few months lapse does not mean you lose your insurance right away. However, letting it go longer than a couple of months will leave your home uninsured. When you then try to reenroll your coverage, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured - you have become a higher risk client. If you do not reenroll and let your insurance continue to lapse, your lender can take action to protect their investment. A lender may enroll the house in an insurance policy which they then add to your loan payment. However, they will be the party to receive funds if the home is damaged (i.e. fire). Essentially, you will be forced to pay for an insurance of their choosing (maybe at a higher rate) but you will not receive the benefits of the original coverage under your name.
• Basic automotive insurance is required by law in most states. If you are driving uninsured, you could be faced with a lot of out-of-pocket expenses as well as legal fines if you are ever in an accident. Again, if you drop insurance coverage and reenroll later, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured as you are a higher risk client. For a chart detailing the amount of coverage required in your state, click here to visit Insure.com. Before you cut your auto insurance to the bare minimum listed, consider some of our insurance shopping tips listed below that may help you lower your costs.
• Finally, what about health insurance? It is estimated that this year the number of Americans without health insurance is as high as 52 million. Most Americans rely on their employers to help cover some of their health insurance cost. However, as premiums rise for companies, they are forced to increase the contributions of their employees. So in today's economy, both those with jobs and those who have lost their jobs are struggling to keep affordable health insurance. Everyone should have health insurance to offset the astronomical cost of emergency health care. Those without insurance may find that the ambulance ride alone may break the bank and leave them with more debt than they can possibly afford to repay. Below we have provided some strategies for obtaining cheaper health insurance.

The above said, let us see how you can cut some of your insurance rates!

Cutting your insurance costs does not mean you should go without coverage. Instead, be a savvy consumer and do your research and shop around. Recently an insurance company ran an ad where they asked consumers how long they shopped for their car and received answers from a week to even a couple of months. When they then asked how long they shopped for insurance, there was a pause and the usual answer of, "Er, uh, less than an hour." This commercial proved a good point about how many people approach shopping for insurance with less care than the big ticket items to be covered. Here are some shopping tips to help you find the best price and coverage.

Strategies for obtaining discounts on home, automotive, and health insurance: 

SHOP before you DROP your money! As the commercial we used as an example above, and as we keep mentioning over and over, nothing can beat comparison shopping. Use the web to your advantage as there are so many quote and comparison sites available. If you aren't comfortable with the web, do some calling around to your local agents. It is worth your time and money! 

Considering the online insurance option? You may give up on some individualized care, but the cost savings may be worth it. Consider these PROS and CONS before you buy online insurance coverage:

The PROS - There are many benefits for utilizing online insurance:

• Easy Comparison Shopping: Using insurance websites, you can compare coverage and prices on almost any type of insurance. You can also browse the individual insurance carrier websites once you have narrowed your search. Almost all companies now have libraries and tools for you to learn more about their services online.
• Your Time Is Money: Shopping for insurance online can be done at any time of day. It is hard to get time away from your daily schedule to sit down and comparison shop with insurance brokers, or indeed, individual agents.
• Low Pressure: Let's face it, many people find it easier to stand firm without the person-to-person contact. Users feel they can be more savvy and better informed when every option is at their fingertips rather than relying on an agent's account.
• Save Money: Due to the time needed to comparison shop, the pressure to stay loyal to one company, and the uncertainty of other companies, some may lose money by staying blindly loyal to their insurance carrier. The online market allows for easy comparison shopping, less pressure, and research tools to learn more about other companies. By becoming well informed, you can work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar.

The CONS - Be aware of these complications when purchasing insurance online:

• Understanding Coverage Options: Without an agent to explain 'insurance speak,' you may not know all the coverage you may need. This is especially the case for those getting insurance for the first time. However, if you have discussed options with an agent before and have a generally good idea of the type of coverage you will need, this may be something that is manageable with a little extra research.
• Is that quote really a deal: All quotes may not be equal. Take care to examine all the coverage included with quotes. The online quotes may help you narrow your search, but should not be taken at face value because not all companies offer the same 'comprehensive' coverage.
• Buying Insurance Coverage In Your State: Not all states allow you to purchase insurance online. Some allow you to get quotes but still require you to meet with an agent before signing any contracts. Also, because the Internet clouds locality, you will need to make sure the insurance carrier is licensed in your state.
• Individual Customer Care: Do you really want to push 1, then 2, then 4 to talk to someone about your insurance coverage? Working with a local agent still offers the advantages of individualized customer service. They will also have a better knowledge of the coverage their carrier provides and can help you understand all of your options. They may also be aware of more discounts available to you that you may not know to ask for online. In this way they can offer better individualized care.

For more information about purchasing insurance online, read our article 'Online Insurance: Is Online Insurance Right for You?'

• Look for and Ask about Discounts: All insurance companies offer discounts, however, not all of them will offer a discount if you don't ask. Since not all insurance companies are upfront with all the discounts they offer, it is best to shop with this at the top of your list of items to ask about. Discounts are available for all types of coverage and include everything from being a long-time client to paying your policy in full (rather than monthly). Homeowners can get discounts by making certain upgrades to their home that make the home more secure and/or energy efficient. Automotive insurance often has the most selection of discounts ranging from a good driving record, a short daily commute, or even a high grade point average (for those student drivers in the house). Health insurers will give discounts for clients in good health - if you lead a healthy lifestyle with regular exercise, no smoking or drinking, you may find completing a health survey will save you money on your premium.
• Raise your Deductibles: By raising the amount you pay out-of-pocket in the case of an emergency, you can lower your rates substantially. Higher deductibles will mean that you may have to pay as much as $1000 or more out-of-pocket per event. However, it does provide a safer gamble compared to no insurance at all. For health care you may consider a high deductable plan for "emergency" or "catastrophic" insurance. These plans will only cover a major accident but, if you are in good health and don't need a lot of medications, this plan can help offset high rates. However, keep in mind that you will have to pay over $1000 out-of-pocket and these plans will not cover routine doctor visits. Instead, combine this insurance with a Health Savings Account for the best rounded coverage.

MORE Strategies for obtaining discounts on home and automotive insurance: Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. 

• Bundle to Save: Using one insurance provider to cover your home and vehicle can help save you money as most insurance companies provide a discount to get your business. This will save you money if you check with your current provider, but don't be shy, take advantage of online comparison sites or do some calling around. You may be surprised at the differences!
• Review your Policy: Make certain you review your policy at least once a year. There may be adjustments you can make in coverage. For example, as your car gets older and subsequently worth less than when you first bought it, you may find you need less coverage. For your home, you may find you have sold high insured items from your household or take inventory and realize you don't need to cover that old computer or entertainment center for as much as you did before. Examining your Personal Property Value may lead to areas you can logically cut coverage.

For more information about homeowners' insurance, read our article 'Understanding Homeowners Insurance.'

Insurance Company Rankings

• AM Best Company - Insurance Reports http://www.ambest.com/homepage.asp
• Consumer Reports (requires membership for ratings) http://www.consumerreports.org/cro/money/insurance/index.htm Standard & Poor's Ratings http://www2.standardandpoors.com/
• US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html

Online Insurance Comparison Sites

• Insurance.com www.insurance.com
• Quicken http://www.quicken.com
• InsWeb www.insweb.com Insure.com www.insure.com
• eHealthInsurance www.ehealthinsurance.com

Imagine leaving a window open all winter long -- the heat loss, cold drafts and wasted energy! If your home has a folding attic stair, fireplace or clothes dryer, that may be just what is occurring in your home every day. These often overlooked sources of heat loss and air leakage can cause heat to pour out and the cold outside air to rush in -- costing you higher heating bills. Air leaks are the largest source of heating and cooling loss in the home. Air leaks occur through the small cracks around doors, windows, pipes, etc. Most homeowners are well aware of the benefits caulk and weatherstripping provide to minimize heat loss and cold drafts. But what can you do about the four largest “holes” in your home -- the folding attic stair, the whole house fan, the fireplace and the clothes dryer? Here are some tips and techniques that can easily, quickly and inexpensively seal and insulate these holes. Attic Stairs When attic stairs are installed, a large hole (approximately 10 square feet) is created in your ceiling. The ceiling and insulation that were there have to be removed, leaving only a thin, unsealed, sheet of plywood. Your attic space is ventilated directly to the outdoors. In the winter, the attic space can be very cold, and in the summer it can be very hot. And what is separating your conditioned house from your unconditioned attic? That thin sheet of plywood. Often a gap can be observed around the perimeter of the door. Try this yourself: at night, turn on the attic light and shut the attic stairway door -- do you see any light coming through? These are gaps add up to a large opening where your heated/cooled air leaks out 24 hours a day. This is like leaving a window open all year round. An easy, low-cost solution to this problem is to add an attic stair cover. An attic stair cover provides an air seal, reducing the air leaks. Add the desired amount of insulation over the cover to restore the insulation removed from the ceiling. Whole House Fans Much like attic stairs above, when whole house fans are installed, a large hole (up to 16 square feet or larger) is created in your ceiling. The ceiling and insulation that were there have to be removed, leaving only leaky ceiling shutter between the house and the outdoors. An easy, low-cost solution to this problem is to add a whole house fan cover. Installed from the attic side, the whole house fan cover is invisible. Cover the fan to reduce heating and air-conditioning loss, remove it when use of the fan is desired. If attic access is inconvenient, a ceiling shutter cover is another option for reducing heat loss through the ceiling shutter. Made from R-8, textured, thin, white flexible insulation, and installed from the house side over the ceiling shutter with Velcro, a whole house fan shutter cover is easily installed and removed. Fireplaces Sixty-five percent, or approximately 100 million homes in North America are constructed with wood or gas burning fireplaces. Unfortunately there are negative side effects that the fireplace brings to a home especially during the winter home-heating season. Fireplaces are energy losers. Researchers have studied this to determine the amount of heat loss through an unlit fireplace, and the results are amazing. One recent research study showed that an open damper on an unlit fireplace in a well-insulated house can raise overall heating-energy consumption by 30 percent. This is truly a remarkable statistic! A recent study showed that for many consumers, their heating bills may be more than $500 higher per winter due to the air leakage and wasted energy caused by fireplaces. Why does a home with a fireplace have higher heating bills? It is simple - hot air rises. Your heated air leaks out any exit it can find, and when your heated air is drawn out of your home, cold outside air is drawn in to make up for it. The fireplace is like a giant straw sucking the heated air from your house! An easy, low-cost solution to this problem is to install a fireplace draftstopper. Available from Battic Door, a company known for their energy conservation products, a fireplace draftstopper is an inflatable pillow that is installed into the fireplace below the damper. As the pillow is inflated, it seals the damper, eliminating any air leaks and heat loss. Other benefits include the reduction of downdrafts, toxins, odors, pollutants, and noise. The pillow is removed whenever the fireplace is used, then reinserted after. Completely reusable and available in two sizes to fit any masonry or zero-clearance fireplace, the draftstopper can pay for itself in less than a month! Clothes Dryer Exhaust Ducts In many homes, the room with the clothes dryer is the coldest room in the house. Your clothes dryer is connected to an exhaust duct that is open to the outdoors. In the winter, cold air leaks in through the duct, through your dryer and into your house. Dryer vents use a sheet-metal flapper to try to reduce this air leakage. This is very primitive technology that does not provide a positive seal to stop the air leakage. Compounding the problem is that over time, lint clogs the flapper valve causing it to stay open, or a cold breeze can blow the flapper open, allowing frigid air right to come right into the house. An easy, low-cost solution to this problem is to add a dryer vent seal. This low-cost, easily installed vent is mounted on the outside of your house, and reduces unwanted air infiltration, and keeps out pests, bees and rodents as well. The vent will remain closed unless the dryer is in use. When the dryer is in use, a floating shuttle rises to allow warm air, lint and moisture to escape. If your home has a folding attic stair, a whole house fan, a fireplace, and/or a clothes dryer, you can easily, quickly and inexpensively seal and insulate these holes. At Battic Door Energy Conservation Products, we have developed solutions to these and other energy-conservation related issues. For more information please visit our website www.batticdoor.com or send a self-addressed, stamped, envelope to P.O. Box 15, Mansfield, MA 02048.