According to the FBI, burglaries occur every 15.4 seconds in the United States (Crime Doctor). Home security is important as not only is our home one of our biggest investments but having good home security provides peace of mind about protecting our family and possessions. As the popular show on the Discovery Channel, It Takes a Thief, illustrates, many of us take our security for granted. Many times the families on the show believe their current security is all they need. There is a belief that burglaries happen to "someone else." Or, if one is robbed, it is just the result of "chance" and there is little that can be done about it. This show provides an entertaining wakeup call about home security. The threat to our inner sanctum and lifetime of possessions is very real. This article will take a look at the ways you can protect your home. We should note that one of the most common answers is a security system. A standard security system comes with a control panel (with panic button), 3-4 sensor zones, a siren and 24 hour monitoring. These systems can be hardwired (usually when the home is being constructed) or wireless. Some of these systems are so advanced you can even monitor your home when on vacation through the internet! The cost and amount of "bells and whistles" you get will depend on the size of your home, neighborhood, entry points and other varying factors. For a real idea of a professional security system that is right for you, check with professionals in your area. For this article we will be concentrating on some of the common sense and easy to add options you can do to protect your home. Some professional security providers are listed in the links that follow the article but will play a relatively small role in the article itself. Before we begin to look at what measures we can take, let us look at some statistics from the FBI about home burglary:

• Burglary is the unlawful entry of a structure to commit a felony or a theft. A person can be convicted of burglary even if nothing was actually stolen.
• A burglary occurs approximately every 15 seconds in the United States.
• On average, a burglary results in a dollar loss of about $1,600.
• About 30 percent of all burglaries are classified as "unlawful entry," meaning the burglar was able to gain entry without using force — often through an unlocked door or window.
• Nearly 66 percent of all burglaries are residential, and of those, 62 percent occur during the daytime. Most burglaries occur between 9 a.m. and 3 p.m., when no one is likely to be at home.
• Renters are more likely to be the victims of property crime than homeowners.
• Only 13 percent of reported burglaries are solved, or "cleared," by the police.
• Only about 15 percent of property stolen in burglaries is recovered by the police.
• Nearly 85 percent of all burglaries occur in large metropolitan areas.
• Almost half of the nation's reported burglaries occur in the South: 45 percent, as opposed to the Northeast's 11, the Midwest's 20 and the West's 24.
• The highest percentage of burglaries occur during the summer months of July and August, when many people are away from their homes on vacation, or have left windows open for ventilation.
• Arrest records reported to the FBI indicate that approximately 70 percent of all burglary arrestees are white and 86 percent are male.
• About 30 percent of private homes have security systems. Homes without security systems are two to three times more likely to be broken into.

Summarized by It Takes a Thief Site (more recent summary at FBI site http://www.fbi.gov/ucr/cius_04/documents/CIUS2004.pdf)

Now that we have your attention, let's look at some ways you can improve your home security; let's start by examining the exterior of the home.

Part I: The Exterior

There is a beautiful home sitting at the end of a long drive. There is only one front light on. All appears quiet and unoccupied. Large bushes cover the view of the side of the home from the road. The neighbor's house behind is equally dark and barely viewed between the fence, bushes and trees. I think you are getting the idea. This example house almost provides a written invitation to would be burglars. The exterior of your home can tell a potential thief a lot. Many times, just by observing from the outside, they can see if the home is occupied, find weak entry points and determine if they can use hidden nooks to work unnoticed. Sometimes our desire for privacy creates little pockets like this for the thief to work. There are many things you can do to the exterior of your home to make it more foreboding and hard to crack for would be burglars. Make certain the exterior of your home is well lit and consider monitoring it by video or surveillance. One of the most vulnerable homes, is the dark ones. An easy and inexpensive deterrent is to add motion sensor lights to your driveway and doors. Keep all entrances well lit, both front and back. You may want to keep the back on a sensor light, which is a fine alternative to having a light on all night. As lighting should be considered for any exit from your home, this includes the garage. Make sure your garage light switch is on the inside of the house. You never want to have to enter a dark garage to turn a light on! After you have the lighting arranged you may also want to consider extra video surveillance. This is especially the case if you have a large property, very private property or are gone often. Make sure the central recording device is locked up so thieves cannot take it with them! Many of the surveillance systems these days will let you view the outside of your home easily so you may also use them to see who is at the door when you are at home. You may also choose to have sound notification of someone approaching your home. A wireless annunciator notifies you whenever someone comes within up to 50 feet of your driveway or entranceway. This additional light and surveillance will help keep the perimeter of your home safer.

Make sure your home is not helpful to the burglar either as many times our conveniences can also be theirs. Unsecured tools such as ladders can help burglars break into your home! Your garage should be secure and tools locked. This means deadbolts on any garage doorways. The garage is a favorite entry point so you should consider keeping your car locked with the alarm on, even when in the garage. And if you park your car outside of your garage, never leave the garage door opener in the car! Again, our desire for privacy may also create hidden nooks for burglars to hide and work. Make sure to trim plants so they do not completely cover windows and doors. In fact you may even want to consider planting really thorny and prickly plants next to windows as they can act as an additional deterrent. Any signs/plaques you put on your home should also be considered. It is a great idea to have reflective numbers on your home for easy spotting during an emergency. However, do not have your name displayed as it is helpful for a burglar to look you up in the directory and call your house to see if anyone is home. Also, don't give burglars an idea of what is in your home. Whenever you make a large purchase don't advertise it to the neighborhood. For example if you buy a new computer don't leave the empty boxes on the curbside for disposal. Instead break the boxes down to keep what was inside a mystery. You should also use window treatments or keep expensive items out of view from the window. You don't want to have curtains closed all the time as this only gives the impression of the home being unoccupied (and not to mention downright dreary). But curtain sheers and strategic placement of objects in the room can minimize what people can see from the outside. Finally, never leave keys in hidden places around the house as this is just an easy invitation to burglars. Either leave a spare key with a neighbor or purchase a combination lock that holds your key safely for you. Combination keyless entry locks are also becoming more popular; if you forget your keys a lot, forget to lock the door, or have so many family members/roommates going in and out, this may be a great solution. These are just a few ways to help prevent easy access to your home.

So now Mr. Burglar has dodged your motion cameras and surveillance and brought his own nifty tools - what can you do? You should have strong doors and windows that will continue to work against the burglar. Make sure your exterior doors are solid-core. If you have glass doors they should be double paned with heavy duty laminate. If you do not have a double pane, a security grill will help. Locks are important, you should have locks on all the windows and double locks on all entry doors. Deadbolts (with removable key for fire) are a must. You can also have a chain lock added if you don't have a peep hole. However, these are not fullproof and a peephole is a much better investment. You may also use wooden dowels in glass sliding doors and windows that have broken locks. This should only be a temporary fix - replace these locks or install locks as soon as your able. Also, always keep your doors locked, even when you are home. Do not keep the back patio or balcony doors unlocked and open. This is a favorite entry point for would be thieves! Make sure your windows are secure and replace any broken windows as soon as possible. You should have security bars placed over basement windows as these are easily kicked in. Also place bars over removable air conditioning units setting outside of your windows as these can be weak points as well. Another possible cheap help for your windows is window film. It makes windows more shatter resistant and can prevent easy "window shopping" by burglars. Finally, when purchasing a new home or renting a new place replace the locks or request that the locks are replaced. It is not that the previous owners are bad people. You just can't be sure if they ever lost a key, lent it to someone and never got it back, etc. In these ways you can make all your entry points, both doors and windows, difficult to open. These are just some of the many ways you can help protect your home. Installing exterior lights and surveillance will help deter burglars from approaching. Making sure you do not leave helpful tools, hiding places, personal information, easy view of possessions or spare keys lying around will make life for the burglar more difficult. And if you make sure all your doors and window are in good repair and locked he may just give up and walk further down the street. But what happens if they do get in your home? There are many more security measures you can take for the interior of your home as well.

Part II: The Interior

Once a burglar has entered your home they usually have the privacy to search for and take what they want. They will still want to be in and out of your house as quick as possible, so the more secure your valuables are, the more likely they will leave them and move on. Remember, they have breached into the inner sanctum of your home and everything you leave out and accessible is theirs for the taking! What follows are some more ways to deter burglars and prevent them from walking off with all of your possessions. There various interior alarm systems that may still help to scare the burglar off. A wireless or hardwired alarm system can be a great way to alert a monitor if a doorway is breached or a window opened. Many systems can also detect if someone over a certain weight is moving about the home when the system is on. Turning on the alarm system is the greatest problem for most users. But once it becomes a habit the security it provides is priceless. To invest in a home alarm system in this way can be very beneficial but should not be taken lightly as these are often extended contracts. If you do decide on contracting with a security company, make sure to do your research. Some items you should know are: how long they have been around; are they licensed, bonded and insured; do they do background checks on their employees; where do they monitor the house from - is it local; is the equipment leased or purchased outright; what is the warranty and coverage; what are the monthly monitoring costs and are they at a fixed rate? Finally, dogs are a "natural alarm" whose gruff bark can scare off some would be thieves, but they are not full proof. Many dogs become nervous in the event of a break in and may not respond the way they would if you were at home. Guard dog training is usually available in your area, but these programs stress, and we must stress, that the training should be a major commitment - your dog needs to listen to you and only be aggressive on command! If they get past the security system then you want to be sure your possessions are safe. Keeping your possessions safe can be easily done with the use of secured safes and lock boxes. Homes should have a safe or you should have a safety deposit box to keep important documents safe. Any safe should be bolted down to the floor and have a fire resistant rating equivalent to the heat of a fire expected for a home your size (Examples of UL (Underwriters Laboratories) ratings are: Class C will keep paper documents safe up to 1 hour up to 1700°F, Class B will keep them safe up to 2 hours at 1850°F and Class A will keep them safe up to 4 hours at 2000°F). Do make certain your safe is bolted to the structure of your home. Otherwise burglars will just take the whole thing with them to break into later. What should the safe contain? Keep all important documents such as birth certificates, passports, marriage certificates, legal papers, receipts for large purchases, loans, investment documents, deeds and titles, to name a few. You should also keep unused credit cards locked away. This should include statement information so a thief does not try to open a new account with a stolen statement. Finally, any jewelry, watches or small expensive items should be locked away. Now that you have everything in the safe do not forget to lock it! Surprisingly many people who own safes will leave them open for easy access - this rather defeats the purpose if your home is burglarized! Finally consider a small wall safe for your car and spare house keys. If you leave your spare keys lying around the house, don't be supervised if the burglar takes your car as well! Keep anything that would be difficult or impossible to replace locked up.

Finally, give some consideration as to what to do if, after your best efforts, possessions are taken from your home. Large items such as stereos and TVs can be marked by you for identification purposes. However, never engrave you SSN in expensive items. Instead, engrave these possessions with your Driver's Licence Number or consider marking them with an invisible pen. In the event of a burglary (or fire) you should have a clear idea of what was lost. Keep a compiled list of your possessions in a lock box or fire proof safe. It will make the list even stronger if you supplement it with photos, videos and serial numbers of the possessions. Any family heirlooms should be appraised, photographed and included on this list. Make sure the insurance company is aware of everything on this list so you are covered for the full worth of your loss. The FDIC recommends updating a detailed list of possessions in each room once every 6 months. Understand that once items are stolen, it may not be possible for the police to recover them, even if the burglars are caught. So make every effort to keep these items locked up! Once a burglar is inside your home you want to make sure they do not have an easy time taking away your possessions. Having a monitored alarm system of some type will help deter the burglars from staying. Dogs might even help convince intruders to leave. Make sure your possessions are locked up. This is everything from jewelry and car keys to important documents. If items are taken make sure you have a detailed list of what you owned so insurance can cover the financial lost. Also this will give you a better chance of tracking down the stolen items. Marking large items may help with this as well. Overall, make sure you secure what you cannot replace!

Conclusion

Everyone thinks burglary will not happen to them, or it is only determined by chance or one's neighborhood. But that is not the case and taking time to review your home's security is a good investment. There are many great ways you can protect your home and property from burglars. Tactics from installing exterior lights and surveillance to making sure you do not leave helpful tools, hiding places, etc. will make life for the burglar more difficult. Keep your doors and windows locked and alarm system armed. If they do get in your home make sure you have your valuables locked in a safe or lock box. Keep a list of your valuables and mark them if you can so you may have a better chance of getting items returned. Below are additional links for information on the web about home security and general home safety.

Do not wait for it to happen, take some time today to take a few small steps to better home security. Quick checklist of items to check around the home.

Emergency Preparedness:

Update your emergency contact lists. Numbers change! Make sure to have an out of state contact set up in case of natural disasters such as earthquakes and hurricanes. - Review emergency plans with everyone in your home. Make sure everyone knows what to do if there is a fire, break in, earthquake, major storm or other emergency. If you do not have emergency plans make it your New Year's resolution to make them! - Examine your emergency kits. Make sure first aid products are still good and stocked. Check extra stores of food and water for replacement. If you do not have emergency kits, make a point to create or buy them.

Household Papers/Records: 
Update your protected files. You'll be doing taxes anyway, so it is a good time to review which documents you are keeping and which need to be shredded. Here are some suggested documents to keep and how long to keept 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. Household Health & Safety: - Determine if homes built at the same time or are in the same condition as yours are susceptible to lead, radon, asbestos, mold or carbon monoxide problems. If so consider it a New Year's resolution to get your home tested. - Review your medications and vitamins/supplements. Properly dispose of any expired items. Many of these items have such a long shelf life that we often forget to throw them away when we should! Also, make sure they are properly stored and out of reach of children. House Maintenance: - Change the batteries in your fire alarm and CO alarms. Test both. (In reality they should be tested once a month!) If you don't have a CO alarm, now is the time to get one; there should be one in a central location outside each sleeping area. - Check all outdoor lighting. Get bulbs replaced - we all can forget about the garage sidelight. - If you are in a snow area you should be checking your dryer, furnace, stove and fireplaces to make sure any vents are clear of snow. - Check inspection dates. Do you know the last time your furnace, water heater, fireplace or other major appliance was inspected? - Take inventory of any major appliances that are not working properly or at all. It is time to look ahead at the year and budget for their repair or take them to the dump. For example, that extra freezer that doesn't work - it's a safety hazard! Get it fixed or look at paying for it to be properly disposed. - Review your garage for hazardous materials such as paints, oils and gasoline. Make sure these items are properly stored. If they are old or the cans are damaged look into getting them disposed of properly. A lot of times items we used for spring, summer and fall projects get forgotten in the winter months. If they weren't put away properly they can become potential hazards. - Check for leaky faucets and get them fixed if needed. You don't want a small leak to become a BIG problem. Once the spring thaw begins make sure to check outside faucets for leaks as well. - Unclog gutters - if the weather permits. Otherwise add this to a list of spring cleaning to be done as soon as possible. - Clean off the roof (or get someone to do it) if weather permits. Another item to add to spring cleaning if it cannot be done.

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

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.

Welcome back to Rocky’s Corner!

Last month we started Part 4 of an 8 part series of Preventive Maintenance Tips for your Home. This month we will discus helpful tips for maintenance every 2 years. Every 2 Years

AIR DUCTS:
Consider having the air ducts in your home cleaned if family members suffer excessively from respiratory infections, asthma or allergies; if there is visible mold growth inside ducts or on other components of your heating and cooling system, the ducts are infested with insects or rodents. Excessive amounts of dust and debris and/or particles are actually released into the home from your supply registers.

CARBON MONOXIDE DETECTOR:
Change sensor element.

DECKS AND PORCHES:
If they are professionally cleaned, sealed and maintained, it should only be necessary to refinish and/or stain your wooden decks every two or three years. It is necessary that surfaces be thoroughly cleaned and dried before adding another coat of stain or protective finish. Remove mold and mildew, fungus, tree sap, grease and bird droppings from exterior wood with the appropriate commercial deck cleaner (or homemade mixture) and a stiff brushed broom. Clean mildew and fungus by mixing one cup of chlorine bleach per gallon of water; scrub and rinse well. Sodium bicarbonate works well to remove dirt, mildew and the weathered gray residue from sunlight degradation. Oxalic acid will remove metal stains around nails and dark tannin stains often found on redwood, cedar and oak. Use care and follow manufacturers’ directions when using these products, wear eye protection, long pants, long sleeves and gloves; cover surrounding vegetation with plastic and rinse well.

TILE, NATURAL STONE AND GROUT:
Have your grout, professionally sealed every one to three years in medium to heavy-used areas and every three to five years in lightly used areas.

SEPTIC TANK:
Have the septic tank cleaned and pumped. Join me next month for Part 6 of our series on Preventive Maintenance Tips for your Home. We will be starting with tips for each season st Spring Visit us at www.freminshomeimprovement.com

Q. Our home inspector said that parts of our sidewalk are a potential trip hazard. We think that he is being too picky and splitting hairs. What do think about cracks in sidewalks?

A. Simple cracks in a concrete sidewalk are not necessarily a problem unless they become large enough to catch the heel or toe of a shoe or the tip of a cane. Cracks normally indicate movement in the sidewalk, and are fairly normal. Most sidewalks that are more than 20 years old will have some cracks. On the other hand, upheavals in sections of the sidewalk can be a liability. Concrete sidewalks typically will have expansion joints at regular intervals. These individual sections of concrete can rise or fall as much as three inches in some extreme cases. The most common reason for upheaval is tree roots. The opposite problem is caused by subsidence where the ground beneath the slab sinks. An upheaval of more than one inch can become a dangerous trip hazard, and a liability to you as the home owner. This type of trip hazard is particularly dangerous at night. In my practice, I always explain this to the client, and encourage them to make repairs.

The Internet is a powerful tool for the savvy online consumer. You can review products, compare prices, research companies and purchase almost anything. Following this trend is the increase availability of insurance online. Insurance companies are providing coverage information, quotes and even contracts online. This includes automobile, homeowners, life, medical and even pet insurance. Insurance has traditionally been a high customer service field with direct human contact with your insurance agent. Because of the change in customer contact, the migration towards providing insurance online has not always been a smooth one. Instead companies are finding some tools work and others only cause frustration or confusion. Indeed, the availability of insurance online is still fluctuating and developing. Below we have compiled a few of the ways you can utilize online insurance options and determine if it is the right tool for you. Researching and obtaining insurance online is much easier today. Many websites now offer comparison tools that will provide quotes and coverage information (some of these sites are listed below). Keep in mind if you choose a carrier from these searches, you will then be contracting with that carrier for your insurance, not the original site. This will either be done by forwarding you to the carrier's website or the comparison site will forward your information to the insurance company and they will then contact you. Many insurers still prefer to have a representative call you and discuss your coverage over the phone. Although not the same as meeting with a personal insurance agent, it allows them to make certain you understand the coverage provided. Also, because buying insurance online is new, many companies believe that individualized customer care is still the best way to get your business and a follow up call still provides some of this customer service. The Pros There are many benefits for utilizing online insurance: Easy comparison shopping: Using insurance comparison 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 then relying on an agent's account. Save money: Due to the time needed to comparison shop, the pressure to stay loyal with one company, and the uncertainty about other companies, some may lose money by staying blindly loyal to one 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 either work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar. Buying Auto Insurance? Insurance Institute for Highway Safety Click hereThe 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 as not all companies offer the same 'comprehensive' coverage. Buying insurance coverage in your state: Not all states will 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. This agent can offer coverage that speaks to your locality as it is more likely they live in your community. 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. Whether you choose to shop for insurance online or not, you should look at your insurance carrier websites. Insurance carriers now offer detailed information about coverage online. In fact, once you have settled on a carrier you can often answer coverage questions, pay bills, get updates on claims and find useful tip sheets and information on how to better protect yourself and your property. A primary example of this is your health coverage. Most health insurance carriers still prefer you to sign up through your employer or an agent. However, once you have your coverage, they offer information about doctors, medical options, prescriptions, and claims. Considering health care is one of the most complex types of insurance used, their increasing online presence is an invaluable tool. To explore online insurance options more, please see the links below. More Information Online Insurance Comparison Sites Insurance.com http://www.insurance.com/ Quicken https://secure1.insweb.com/cgi-bin/gic.exe?id=UzB94xbaYQ-wpGWHlZbh8l8ZtxL&page=/gic/Quicken.htj InsWeb http://www.insweb.com/ Insure.com http://www.insure.com/ 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/portal/site/sp/en/us/page.topic/ratings_fs_ins/2,1,5,0,0,0,0,0,0,0,0,0,0,0,0,0.html?lid=us_fo_ratings_insurance US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html State Insurance Regulators http://www.consumeraction.gov/insurance.shtml Online Insurance articles. http://www.onlineinsurance.com/ When purchasing any product online you always want to make certain it is an authentic website representing a verifiable company with a good reputation. Here are some tips for a safe and rewarding online shopping experience: Be assertive in getting answers about an online company you have not worked with before. Learn as much as you can about them and ask tough questions. Check reviews online, in magazines, with your Secretary of State/Attorney General, the Better Business Bureau, or by word of mouth. Call them up and talk to their customer service. If they don't list a contact number be careful. Review posted company information, policies and the privacy policy. If they do not provide this online, you can move on or call them up to ask why. Make sure any payments are made in a website with https or other secured system. Keep a printed copy of every online transaction. Consider using one credit card for your online purchases/payments. This way you know which to cancel in case of fraud. Also, make sure the card is not linked to any bank account. Some prefer getting a pay as you go credit card for any online transactions. These can be found at any grocery store and can be refilled as needed. Keep your computer updated with anti-virus software, browser updates and spyware programs. NEVER provide personal information from an email they supposedly sent to you. This is a common phishing scam. Everything in the email will look legit but lead to a false site collecting your information. Instead call the company with the number on your contract - not the number given to you in that email! Initiate contact yourself. Go to their website yourself from the address they gave you on your contract. To be on the safe side, never go to their website from an email. Don't give account information to anyone. Your online providers have this information and if anything will be emailing you a forgotten password - never vice versa! Change your account passwords often; every six months to once a year. Use strong passwords with numbers, symbols, changes in case and at least 6 characters.