Now is the time of New Year's resolutions and an artificial restart for many of us.  This is a time taken to reflect on what goals we may want to achieve in the year ahead.  In many cases, financial security will be a primary objective for individual households as the recession continues through 2010.  Many people are grateful for the beginning of a gradual stabilization and cautiously hopeful for the recovery of the economy.  Although the majority of us do not have direct influence on the big companies and banks, we do control how we run our individual households, and many of us will be tightening our spending budgets and looking for ways to save.  Below we have provided some online resources for everything from keeping a balanced budget to finding ways to shop a bit smarter.

Know your budget: Before you can adjust your household budget to save, pay off debt or get ahead in your payments, you have to have a realistic look at what you owe and what you earn.

• Bankrate: This site offers numerous online calculators from home budgets to which saving options will give the best returns. You can also begin to look at whether a home equity line of credit would be a good way to get rid of your debts or if now would be a good time to refinance under a lower mortgage rate. http://www.bankrate.com/brm/rate/calc_home.asp
• BBB Develop a Working Budget: A printable worksheet that comes with other details to consider when calculating and understanding your budget. http://www.bbb.org/alerts/article.asp?id=709
• Kiplinger.com Budget: An online budget form that will help you get started figuring out where you stand for the current month. http://www.kiplinger.com/tools/budget/
• Microsoft Budget Templates: If you already use Microsoft Office, consider downloading one of their free budget templates. One of these Excel worksheets can help you keep track of your monthly expenses and be altered to fit your specific needs. http://office.microsoft.com/en-us/templates/CT101172321033.aspx

Revisit your grocery list: Reconsider how you buy groceries and what you buy.

• Always shop with a list - Some suggest a list for any shopping trip you take. Always have a clear idea of what you need. This will help you find the best deals and not get distracted by impulse buys.
• Buy generic brands - When you compare ingredient labels you may be surprised how similar or exact the name brands are with the generic. Try a couple taste tests, not everything generic will be ideal for your pallet, but some may surprise you, and savings could sweeten their flavor all the more!
• Buy in bulk - Many stores now offer you the option to save by buying in bulk. Never use enough of it in time? Consider teaming up with family or neighbors and splitting your purchases. Maybe you don't need 10lbs of chicken, but 5lbs at $2 less per pound is savings to the bank.
• Pack more snacks - When shopping, look for items you can easily put in the car, at the office or anywhere you might get the munchies. This way you can curb you hunger before you decide to hit the fast food on the way home.
• Home Ec 101: Bake and Cook - Take on the personal challenge to become a better chef. Don't have the time? The internet is full of quick and easy casseroles, muffins, and other recipes that can help you get through your day. You will save money in the 15 minutes it takes to make these meals and you may find them more satisfying than microwave dinners.
• Home brewed coffee - If you are addicted to your caffeine, then it is time to invest in a coffee pot with a clock and timer. You can still grab the coffee on the way out the door without being slowed down. Need it at work? Consider a French press where you can brew coffee conveniently at your desk without any machines, filters or mess.
• Find your green thumb - If you have the property consider making a garden with your favorite greens. Fresh tasting rewards combined with natural stress relief. Don't have the property? Consider a container garden (or even an indoor container like the Aero Garden) for some of your basics. Maybe get to know you neighbors and join in a community plot.

Coupons, discounts and closeouts: Many sites online now offer ways to compare the best deals by product or store. Whether looking for new electronics or ready to head to the grocery store, check out these sites before you buy. Also take time to review the forums with customer input and reviews. A bit rough around the edges, the customer reviews on these sites are often short and to the point.

• The Bargainist: This site lists both sales and coupons. Easy to use search - just type in the product you are looking for and it will check for any deals currently available. http://www.bargainist.com/
• Cool Savings.com: A membership is required. If you don't mind printing your own coupons, this site is ideal for the busy shopper who knows what they want but does not want to sift through mailers, the newspaper and magazines to find a good deal. http://www.coolsavings.com/
• Coupon Mom: A list of coupons, free offers and much more. A great way to search out grocery coupons. There is a membership but as with similar sites, this is free. http://www.couponmom.com/
• Deal Catcher: Coupons, sales and rebates galore. Review sales by stores as well as by item rather than brand. http://www.dealcatcher.com/
• Fat Wallet: The savings here can be found in the online forums. Savvy consumers share information and special deals. There is also the plethora of coupons and discounts listed by store or category. http://www.fatwallet.com/
• RetailMeNot: A twist to the coupon frenzy, this site offers the coupons for online retailers. Many online retailers or stores with online shopping offer discounts or special deals with certain coupon codes or key words. RetailMeNot searches for these codes for you so you can use them on your next purchase. http://www.retailmenot.com/
• SlickDeals.net: Mostly user driven, this site helps to create a community where bargain hunters can congregate and share what they have found. The latest deals page can be fun to review but you can also search for products by name. http://slickdeals.net/  

Be an educated consumer: Be more particular about the products you buy. Taking time to read reviews and learn the pros and cons others have experienced before you buy will help you choose better products that will last longer.

• Buzzillions.com: After compiling reviews from customers that are sent to major retailers in response to the products they sell, Buzzillions then puts all those reviews together into an easy to read snapshot with an overall rating. You can then read the individual reviews from other consumers like you. http://www.buzzillions.com/
• Epinions: This site is user driven with opinions on everything from products to entertainment. Perhaps you want to know more about a book, video game, movie or iPod? Most likely someone has given their two cents about it here. http://www0.epinions.com/
• PriceGrabber.com: This site helps the consumer compare prices between online retailers. Many popular products also come with reviews and ratings. The price comparison also includes some of the used markets such as Amazon Marketplace. http://www.pricegrabber.com/

Rack up rewards: There are many programs out there to reward shoppers. Take the time research them and find one that works for your shopping style. If you shop online there are shopping portals that offer rewards. If you shop a little bit everywhere, consider a credit card with flexible reward points. If you shop at one store the most, get a rewards card with them. *A thing to remember with reward credit cards is that they usually come with a higher APR. It is better if you can charge and then pay immediately and not rollover this debt. That way you can get the rewards without the extra interest.

• CreditCards.com: If you use credit wisely, then you might consider a credit card rewards program. This site offers an easy glance through some of the programs available. Also consider looking at individual card company sites. http://www.creditcards.com/reward.php
• Ebates: An online shopping portal that received favorable reviews from some bigwigs like Good Housekeeping and CNN. Not only do you get a discount when shopping, but you can get bonuses as well. http://www.ebates.com/

Buy and barter used: Flea markets and garage sales can be great if you have the time and the weather to get one going. Maybe you don't have either? Then how about trying the same bartering and selling online? Besides the already popular eBay, you may be surprised at how many sites there are that will allow you to exchange, sell and buy cheap!

• BarterBee.com: A site specifically geared towards recycling CDs, DVDs and computer or consol games between households. Once you sign up for a membership you list your used items for sale. Sell items to get points. You can then use those points to buy other CDs, DVDs or games that you want to try out. Of course you wouldn't use this site to make cash - points are used for like items. http://www.barterbee.com/
• Craigslist: An online mismatch of services, used goods and announcements by city location. Here you may be able to find used items cheap. It can be the ordinary like used furniture to the not so common. For example, I once found someone who had new pavers left over from a patio project that they are willing to sell at a discount just to get them off their lawn. You may also be able to find cheap services such as yard work. However, users beware, there are no regulations on this site and you should take precautions when working with anyone on this list. This site definitely has a mixed history of great successes and terrible wrongs. Be careful. http://www.craigslist.org/about/sites
• eBAY: One of the most popular and well known online auction stops, eBay has been around since 1995. Users have the ability to rank other users for the ease of trade transactions. Probably the biggest garage sale on the internet. http://www.ebay.com/
• SwapThing: This site allows for consumers to trade and barter items or services. There is also the option to do flat out sales. Unlike an auction site, you can barter privately and do not have to list items for auction. You enter what you want and it will match you with others who have it available. http://www.swapthing.com/home/index.jsp

Get it FREE: There are some sites that will help you sift through the spam to get free items. Be warned that some of the free items still come with many "free" emails.

• Coupon Mom: Already mentioned above, this site also lists ways to get free samples of many products. http://www.couponmom.com/
• Free Shipping.org: This site lists all the free shipping deals and codes. If a site offers a free shipping offer, they have it listed. If you need a code to get free shipping, they have most of those too. http://www.freeshipping.org/
• Hey, It's Free: This blog website run by Goob works to find out the real freebies on the internet. Goob goes out there and finds out if a site is just spamming or if there really is something for free at the end of all the forms. That wisdom is then passed on to the readers of this sarcastic but informative blog. http://www.heyitsfree.net/

Compare Insurance Carriers: It is true, if you have been accident/incident free for a while you may be able to save by switching to another insurance carrier. Every company may offer something different in incentives, but take a look and see if a switch can't save you some money this year.

• InsWeb: Recognized by sites like Kiplinger and Forbes, this online insurance comparison site will help you by getting quotes from agents after you supply your information. http://www.insweb.com/
• NetQuote: An insurance comparison website. You fill in the information and the agents work out your rate with their company. http://www.netquote.com/

Be your own travel agent: Consider your vacation plans carefully in advance. When shopping for tickets, shop around to more than one vendor. It is not unusual for some airlines to give better deals then the online travel agencies. If you are a spur of the moment type of traveler, you might consider researching a couple major cities before tempted by last minute weekend travel deals. Like consumer reports, travel blogs are a great way to get more information before you go. Did you know you could see an opera in Vienna for $5? Well, now you do…

• Budget Travel: In print and online magazine from Frommer's Travel, the site also offers free articles on featured destinations, trip ideas and advice from other travelers. http://www.budgettravel.com/
• Kayak.com: This travel search engine is different in that it does not sell you the deals, it just works to find them for you. This is one of the easiest ways to search online travel agencies (i.e. Expedia) and the travel companies (i.e. airlines). http://www.kayak.com/
• Lonely Planet: Supplementary to the printed books, this website offers information about popular travel destinations as well as tips from other like-minded travelers. http://www.lonelyplanet.com/
• USA.gov: Want to stay close to home but still get away? Check out the official state travel sites for the 50 United States and U.S. territories. http://www.usa.gov/Citizen/Topics/Travel_Tourism/State_Tourism.shtml

This month, for a change of pace, we are bringing you a LAWCHEK™ ALERT! from our partner and legal site Lawchek.com. This article reviews the questionable changes that have occurred relative to bank "holds" on customer deposits. These changes can effect everyone from the individual customer to the small business owner.

CUSTOMER DEPOSITS: ILLEGITIMATE REVENUE STREAM FOR BANKS?
Richard A. Pundt, Attorney at Law

For quite some time now, certain banks and other financial institutions may have been profiting from what some members of Congress are calling an illegitimate revenue stream, namely, the deposits of its' customers. Today, many banks will place “holds” on customer deposits. Such customer deposit “holds” are for ten business days and usually translate into a ½ month use of the funds deposited; In this way, banks are able to benefit from the interest on customer funds. This questionable practice has caused outrage by depositors and has ignited the concern of key members of Congress.

Congressman Michael Oxley (R-Ohio) has stated: “Holding a deposit to ensure its safety and soundness is reasonable. But holding a deposit in order to profit from the interest is completely unacceptable. The latter practice prevents consumers from realizing the benefits of their own assets, while creating an illegitimate revenue stream for financial institutions. It unfairly penalizes consumers and should be eliminated from the U.S. payment system.” 1

From an analysis in a report by Ms. Laura Bruce of www.Bankrate.com, it is revealed that there are many concerns relative to the new federal enactment of the Check 21 Act. "Check 21" allows the checks that individuals write to clear within one to two days while the deposit may be held by a bank for up to ½ month when weekends are added to the allowable ten day hold under “exceptional” circumstances of the FED Regulations. As a result, the consumer may get “nailed” for overdraft charges if the consumer was counting on the deposit and, in addition, the banks have been keeping the interest on the funds “held” through the deposit delay. Ms. Bruce also notes in her article 2 that Congresswoman Carolyn Maloney (D-New York) has introduced HR 5410 that would “…redress imbalances between the faster withdrawals permitted under the Check 21 Act and the slower rates for crediting deposits.”

Examples of bank customers delays due to the banks “hold” practices is very wide-spread and, undoubtedly, has accounted for hundreds of millions of dollars worth of profits for banks. Consumers, realtors, businessmen, and attorneys are becoming increasingly aware of these practices by the banks. This author has encountered quite a number of reported instances where consumers experienced an improper deposit delay or hold for an unreasonable period of time.

Of the many instances reported to this author, there are three that merit review in regard to the issue of deposit “holds.” The first instance involved a very well-respected attorney who deposited over $200,000 into his attorney trust account at a well-known bank and was verbally informed, after the deposit had been made, that there would be a ten business day “hold” on the deposit. He did not receive any written notice as prescribed by Federal Reserve Regulation CC (Availability of Funds and Collection of Checks, 12 CFR 229). This particular attorney had never over-drafted his account and has always maintained a sterling reputation with the Bar, as well as other attorneys. Moreover, the deposit consisted of checks from State Farm Mutual Ins. and John Deere Inc. The attorney directed a hand delivered correspondence to this well-known bank, wherein he requested an immediate removal of the “hold” or, in the alternative, an explanation as to whether the bank in question believed that checks from either State Farm Mutual Ins. or John Deere Inc. would not clear or if there was any improper activity by State Farm Mutual Ins. or John Deere Inc. in regard to: (a) any suspected criminal activity, (b) any suspected money laundering, (c) any suspected terrorist activity, or (d) any other improper activity that would mandate the holding of either check. Needless to say, the bank could not accuse either State Farm Mutual Ins. or John Deere Inc. of any such activity, yet the bank continued its “hold” on the deposit to the trust account from December 7, 2005 until December 20, 2005. The attorney has never received a written or an oral explanation, as he requested in writing, for the hold as prescribed by Federal Reserve Regulation CC (12 CFR 229).

The second instance involved a well-respected realtor who deposited between $200,000-$300,000, as a result of a closing, into his account at the aforementioned bank. He was unaware of any “hold” on the deposit. The realtor issued various checks, as customary, to: other financial institutions, the seller, realtors, an insurance company, taxing authorities, and others. When the bank in question refused to release its “hold,” the realtor’s checks bounced and a significant amount of distress and embarrassment was the result for all parties concerned, except, of course, the bank that profited in two ways: from the interest on the deposit and from the overdraft charges.

The third, but surely not final, instance involved a party who received a Cashier’s Check from a centrally located and well-known bank and, on the same day, deposited the Cashier’s Check into an account at a branch of the same bank. The branch placed a “hold” on its' own main bank’s Cashier’s Check. What is especially interesting about this case, other than the fact that it was the bank’s own Cashier’s Check, is the fact that under Federal Reserve Regulation CC (12 CFR 229), a Cashier’s Check, as well as a check drawn on an account held by the same institution, must be made available on the first business day following the day of deposit.

It would seem that compliance with Federal Reserve Regulation CC (12 CFR 229) is being ignored by several of the largest banks. According to the article by Ms. Bruce, as noted above, proposed legislation HR 5410 has been presented in Congress to benefit the consumer. The legislation is being introduced in order to counter the Check 21 Act that allows the checks written by consumers to clear faster than the actual deposits made at the banks. It is noted in the article that Representatives from Wells Fargo Bank and Wachovia Bank have stated that their banks place holds on less than one percent of all deposits. If one were to consider the dollar magnitude of that one percent, especially if such deposits are for more than $5,000, a substantial windfall of interest profits are the likely result for the banks placing the “hold.” Perhaps the one percent accounts for hundreds of thousands of deposits each day and, if the average dollar amount of such deposit is $10,000 (most likely it is much more), the money on hold by the large banks at any one time would be in the hundreds of millions of dollars for which the banks gain interest on consumers assets, as noted by Congressman Oxley.

Under the Federal Reserve Regulation CC (12 CFR 229), it is mandated that interest should be paid to the consumer (See Regulation CC (12 CFR 229.14)). It is, therefore, understandable why Congressman Oxley has stated that such practice by the banks “…prevents consumers from realizing the benefits of their own assets, while creating an illegitimate revenue stream for financial institutions."

Under Federal Reserve Regulation CC (12 CFR 229), the following deposits must be made available on the first business day following the banking day of deposit: (1) Cash, (2) Electronic Payments, (3) U.S. Treasury Checks, (4) U. S. Postal Service Money Orders, (5) Federal Reserve Bank and Federal Home Loan Bank Checks, (6) State or Local Government Checks, (7) Cashier’s, Certified or Teller’s Checks, (8) Checks drawn on an account held by the same institution upon which the check is drawn, and (9) the first $100, or if less than $100 the entire amount, of all other checks. In the case of the individual who had deposited a Cashier’s Check into an account that was held by the same bank upon which it was drawn, both subsection 7 and subsection 8, as noted above, were ignored.

On other deposits that are not listed above, including the proceeds of local and non-local checks, the checks must generally be made available for withdrawal by the second and fifth business day respectfully following the deposit (See Regulation CC (12 CFR 229.12)). In the case of the attorney, and in the case of the realtor, as noted above, if the deposited checks were local, the deposit should have been credited within two days, and if the checks were non-local, the checks should have been credited within five days. There should not have been an arbitrary hold for ten business days or a ½ month total hold on the deposits.

However, there are exceptions set forth under Regulation CC (12 CFR 229.13), and those exceptions involve: new accounts,3 large deposits, repeatedly overdrawn accounts, or emergency conditions. The only exception of the above examples involving the attorney or the realtor, as given, would be the exception of a large deposit since our investigation ruled out any other scenario. In the case of large deposits, the bank must provide a notice to the consumer (See Regulation CC (12 CFR 229.13)), and that notice must be in writing (See Regulation CC (12 CFR 229.15), (12 CFR 229.16), (12 CFR 229.17) and (12 CFR 229.18)). Additionally, and under Regulation CC (12 CFR 229.14), interest must be paid on interest bearing accounts no later than the day the bank receives credit for the funds deposited.

It would appear that certain banks may be circumventing the requirements of Federal Reserve Regulation CC (12 CFR 229), and that is undoubtedly one of the reasons that Congressman Oxley has expressed concern, and why Congresswoman Maloney is reintroducing HR 5410. As a practical matter, most customers drop the issue once they actually receive their funds, which have been held by the bank, because they wish to maintain a good standing relationship with the bank. So does that mean that nothing can be done? The answer is no. Something can be done, but it requires positive action by the customer.

First, the customer may file a complaint with the Federal Reserve at: The Board of Governors of the Federal Reserve System, Division of Consumer and Community Affairs at 20th and C Streets, N.W., Stop 801, Washington, DC 20551. Additionally, the consumer may file a complaint with the respective State Banking Commissioner in the state where the violation occurs. Also, contacting the proper parties within Congress, such as Congressman Michael Oxley (R-Ohio) or Congresswoman Carolyn Maloney (D-New York).

Finally, there is a civil remedy expressly set forth under Federal Reserve Regulation CC (12 CFR 229.21). The civil remedy allows for both individual and class actions. See Regulation 12 CFR 229.21 (a) (2) (i) and (ii). The statute provides a limitation on class actions that includes actual damages up to $500,000 or 1% of the net worth of the bank involved (the lesser of the two) plus costs and attorney fees.

Historical landmarks throughout the country provide all citizens with a physical, present experience of our history. Through these landmarks you can not only observe but in many cases feel the original work and walk the spaces of the past. Historical homes help us remember important persons as we can view intimately how they lived; we get to see the most sacred of spaces, their internal sanctum, their home. Where did they read at night for inspiration, where did they write that novel, where did they meet the important guests and characters in their lives? All of these things we can glimpse through seeing history preserved in rock and mortar. Historical homes also allow us to visualize and experience architecture, culture, events and community history. They help tell the story of how our town and communities came to be and developed. This brief article will summarize how one protects a historical home. This will include how to register the home with the state and federal government. Also, we will look at incentives and resources aiding the owners in the task of preserving these properties. Additional links to state resources, historical homes for sale, historical home supplies and construction and spotlights of a few famous historical homes are also included. Even if you do not own a historical home, we welcome you to take a look into how these bits of our history are protected, preserved and continue to participate in and educate our communities.

Part I: Listing a Property as Historical

The National Historic Preservation Act of 1966 (amended in 1992) provides guidelines for federal, state and local governments to work with non-profit organizations and the public to preserve our historical places. The preservation is handled through the National Park Service which administers the National Register for Historic Places. Historical places can be buildings, structures, sites and objects that speak for American history, architecture/engineering, and culture. This can be as varied as a historic home to an archaeological site. A few places that are considered to represent the nation on a whole may also be registered in the National Historic Landmarks program; however, this membership is harder to obtain (there are only 2,500 of these sites nationally). Our concentration will be on the large listing (79,000 sites and growing) of the National Register. 
So how does one determine if a site is historical? The National Register lists the following reasons for registering and protecting historical property:

The quality of significance in American history, architecture, archeology, engineering, and culture is present in districts, sites, buildings, structures, and objects that possess integrity of location, design, setting, materials, workmanship, feeling, and association, and:
A. That are associated with events that have made a significant contribution to the broad patterns of our history; or
B. That are associated with the lives of persons significant in our past; or
C. That embody the distinctive characteristics of a type, period, or method of construction, or that represent the work of a master, or that possess high artistic values, or that represent a significant and distinguishable entity whose components may lack individual distinction; or
D. That have yielded or may be likely to yield, information important in prehistory or history.

These four basic guidelines can encompass quite a bit of history. However, there are some limitations as well. Properties must be over 50 years old; to get a younger property registered an owner must prove "exceptional importance" such as might be recognized immediately for its reflection of an extraordinary political event or architectural innovation. Other limitations may include cemeteries, historical figures birthplaces and gravestones, religious structures, moved or reconstructed structures and commemorative structures. As with the 50 year rule there are exceptions for these limitations. In conclusion, if an individual or group feel a property meets the right criteria and should be registered they will need to nominate the property for review.

Any person or group may nominate properties for the National Register. Nominations, depending on the properties significance and location, are nominated through theState Historical Preservation Officer (SHPO), the Federal Preservation Officer (FPO)or the Tribal Preservation Officer (TPO). In most instances nominators will start with the SHPO for their state. The officer will then recommend the nominated property be reviewed by the state review board which consists of historians, architects, archaeologists and other professionals. The board then makes the recommendation to approve or disapprove the registration back to the SHPO. During the time the property is being reviewed, the public is notified the property may be registered. This may include the property owner, who may not have nominated the property themselves. If the owner at that time does not wish the property to be registered they can reject the proposal. The property will not appear on the national register, however, the nomination may be forwarded to the National Park Service only as a determination of eligibility in case a future owner would wish to have the property registered. Although the process varies from state to state, there is usually a minimum of 90 days to process. Once a recommendation is made to the National Park Service, the nominators will know the decision within 45 days. Once a property is registered the owner may expect some changes.

Owners of registered historical places may find both benefits and restrictions from state and federal programs. Surprisingly, on the federal level, once a home is registered owners may choose to change very little about their property:

Under Federal law, owners of private property listed in the National Register are free to maintain, manage, or dispose of their property as they choose provided that there is no Federal involvement. Owners have no obligation to open their properties to the public, to restore them or even to maintain them, if they choose not to do so.

However, state and local preservation laws may be more restrictive of what property owners may do once a the property is registered (the SHPO will have further details about the restrictions in your state). Some properties will obtain Federal historic preservation grant funding or investment tax credits for rehabilitation. Participation in these Federal programs may include more restrictions. As for changes to a structure or site, drastic alterations or physically moving a property when not absolutely necessary may effect the property's status. If, for example, the remodeling of the structure is enough to destroy and remove its historical significance, the property may be removed from the registry. Finally, a property may be affected by recommendation of the Advisory Council on Historical Preservation's recommendations at the federal level. However, inclusively, federal, state and local governments want to work with historical property owners to entice them to preserve our history. Property owners should contact the SHPO for more specific answers about local and federal benefits and restrictions.

Registering a home on the National Register for Historical Places is a relatively straight forward process. Contacting SHPO (or FPO or TPO) is the first step in reviewing what changes to expect and what forms need to be completed. With a little patience and research a home can be registered and protected as a part of our history. Now that it is registered, let us examine what resources are available for the renovation and upkeep of these places.

Part II: Resources for Historical Properties

The restoration of historical homes can be both overwhelming and expensive. Obtaining expert advise from contractors, architects, and historians (to name a few) can be invaluable to the homeowner. Research may be necessary to understand how the home looked, was furnished and functioned in the past. Also, it may be necessary to update older systems of plumbing, wiring, and replace lead-based paint (again, to name only a few). To begin the renovation process the home owner will first consider where the funding will come from, what projects need to be done, and finally, what the ultimate function of the historical home will be. There are many grants and sources of funds to help ease the impact of these improvement costs.

The funds available to owners of historical properties vary both nationally and locally. Nationally the most common is the Federal Historic Preservation Tax Incentive which entitles those qualified a 20% tax break. However, to obtain the credit the property does have to be used commercially for at least 5 years; usually as a rental or an apartment, in some cases use as an office may be sufficient. Local grants, loans and state tax incentives are not always available. To find what locally based programs there are contact your local government agencies such as the Historic Development Commission, Department of Planning and Economic Development, Housing and Redevelopment, and State Historic Preservation Office. When they are available the funds may come with certain restrictions or requirements. For example, some funds are only available to non-profit organizations or a grant may be offered that requires owners to share property with the public through tours or other educational outreach programs. Finally, involving family and community in the restoration project can help tremendously. Receiving help from the community may again mean opening up your home to educational programs or tours. However, when owning a historical home, sharing the history is part of the fun! So you have some money in your pocket; now you must decide what you want to restore first.

There may be many renovations needed for your historical home ranging from wiring to lead-paint removal. So overwhelming are the renovations at times that there is the tendency to over renovate homes. The National Trust for Historic Preservation has this top ten of Do's and Don'ts:

• Make every effort to use the building for its original purpose.
• Do not destroy distinctive original features.
• Recognize all buildings as products of their own time.
• Recognize and respect changes that have taken place over time.
• Treat sensitively distinctive stylistic features or examples of skilled craft work.
• Repair rather than replace worn architectural features when possible. When replacement is necessary, new material should match the old in design, composition, and color.
• Clean facades using the gentlest methods possible. Avoid sandblasting and other damaging methods.
• Protect and preserve affected archeological resources.
• Compatible contemporary alterations are acceptable if they do not destroy significant historical or architectural fabric. Build new additions so they can be removed without impairing the underlying structure.

Once you have clarified the tasks that need to be done, hiring a contractor, plumber, architect or electrician (to name a few) will be an important step in the renovation of your historical home. Make sure to take time to interview and speak with several professionals to find one with the most experience and knowledge about historical homes. Again, the National Trust for Historic Preservation has compiled good short summaries about choosing professionals. When making any renovations to the historic home it is important to keep in mind the purpose of the house. The functions of a historical home can be varried. For some home owners they simply want to renovate and enjoy the historical building as their home. When making improvements, owners will be more concerned about updating creature comforts and creating an esthetic environment for their family. On the other hand, some will choose to live in the historic home but also dedicate rooms or floors as public museums. When making renovations for these homes a balance should be kept between updating the living space that will be used while keeping museum spaces closer to the feel and accuracy of the time they represent. Brand new faucets upstairs in the family bath are great but a stainless steel countertop in a 19th century room may look a bit out of place. Finally, others will live in the historic house but also rent out rooms for guests and small conferences. Historic homes can make an ideal bed and breakfast. This may create additional renovation challenges such as access ability and practical updates for the comfort of guests (i.e. adding and updating a bathroom or two). However, owners will want to keep in mind the historic atmosphere of the home. Visitors are drawn to historical B&Bs because of the sense of walking into the past. Keeping antiques relevant to the time or using period correct wall treatments (i.e. wallpaper patterns) are just a few ways to help keep the historic feel of the home. If creating a bed and breakfast out of a historical home is the goal, then reading about the B&B business will be helpful. Whatever the function of the historical home, the project should remain fun and rewarding.

The restoration of a historic homes can be expensive and daunting. However, it is also very rewarding, a wonderful chance for connecting to the past and community (and can be a great home too!). Whether your historic building will be a home, museum, B&B or all the above, having a game plan before starting renovations is a great idea. Make sure the plan protects the hisotry of the home so that the character and craftsmenship of the home is not lost in the renovation. Enlisting professionals and the community will help. In the end it really can be very rewarding!

Conclusion

A lot can be said for the structures a society builds. When looking at buildings from the past one can get a sense of style, comfort and culture from previous generations. A family and/or a community may learn more about where they came from. To preserve historical homes, individuals or communities need to take the time to submit the home to the National Register for Historical Places. Once this is done the home may still be used for varying purposes from a living space to a museum. In some cases funding is available to help in the daunting task of renovation. In the end historical homes are a tough investment that with a bit of research can turn in to a rewarding home and much more.

Resources by State 
Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia Washington | West Virginia | Wisconsin | Wyoming

Alabama

State Historic Preservation Officer: Elizabeth Brown AL Historical Commission 468 South Perry Street Montgomery, Alabama 36130-0900 (334) 242-3184 Alabama Register Coordinator: Dorothy Walker - dwalker@preserveala.org National Register Coordinator: Christy Anderson - canderson@preserveala.org www.preserveala.org

Alaska

State Historic Preservation Officer: Judith E. Bittner - judyb@dnr.state.ak.us Department of Natural Resources Division of Parks and Outdoor Recreation 550 W 7th Avenue, Suite 1310 Anchorage, Alaska 99501-3565 (907) 269-8721 www.dnr.state.ak.us/parks/oha/index.htm

Arizona

State Historic Preservation Officer: James W. Garrison - jgarrison@pr.state.az.us Office of Historic Preservation Arizona State Parks 1300 W. Washington Phoenix, Arizona 85007 (602) 542-4174 National Register Coordinator: Kathryn Leonard www.pr.state.az.us/partnerships/shpo/shpo.html

Arkansas

State Historic Preservation Officer: Cathie Matthews - cathiem@arkansasheritage.org Department of Arkansas Heritage 323 Center Street, Suite 1500 Little Rock, Arkansas 72201 (501) 324-9162 National Register Coordinator: Ralph Wilcox - ralph@arkansasheritage.org www.arkansaspreservation.org

California

State Historic Preservation Officer: Milford Wayne Donaldson - mwdonaldson@parks.ca.gov Office of Historic Preservation Department of Parks and Recreation P.O. Box 942896 Sacramento, California 94296-0001 (916) 653-9125 http://ohp.parks.ca.gov/

Colorado

tate Historic Preservation Officer: Georgianna Contiguglia Colorado History Museum 1300 Broadway Denver, Colorado 80203-2137 (303) 866-3395 Information: oahp@chs.state.co.us www.coloradohistory-oahp.org

Connecticut

State Historic Preservation Officer: John W. Shannahan Connecticut Historical Commission 59 South Prospect Street Hartford, Connecticut 06106 (860) 566-3005 Information: cthist@neca.com www.cultureandtourism.org (This website is being revised; check out the CT Trust for more information at www.cttrust.org)

Delaware

State Historic Preservation Officer: Timothy A. Slavin Division of Historical and Cultural Affairs 21 The Green, Suite B Dover, Delaware 19901 (302) 739-5313 www.state.de.us/shpo/default.shtml

District of Columbia

State Historic Preservation Officer: Lisa Burcham DC Office of Planning, Historic Pres. Division 801 North Capitol Street, N.E. 3rd Floor Washington, D.C. 20002 (202) 442-8850 http://planning.dc.gov/

Florida

Actg. State Historic Preservation Officer: Frederick Gaske - fgaske@mail.dos.state.fl.us Division of Historical Resources R.A. Gray Building 500 S. Bronough Street Tallahassee, Florida 32399-0250 (850) 245-6300 www.flheritage.com

Georgia

tate Historic Preservation Officer: Ray Luce - ray_luce@dnr.state.ga.us Department of Natural Resources 156 Trinity Avenue, SW Suite 101 Atlanta, Georgia 30303-3600 (404) 651-5061 http://hpd.dnr.state.ga.us/

Hawaii

State Historic Preservation Officer: Peter T. Young Department of Land and Natural Resources 601 Kamokila Boulevard Room 555 Kapolei, Hawaii 96707 808-587-0401 www.hawaii.gov/dlnr

Idaho

State Historic Preservation Officer: Steve Guerber - steve.guerber@ishs.idaho.gov State Historic Preservation Office 210 Main Street Boise, Idaho 83702-7264 (208) 334-3890 www.idahohistory.net

Illinois

State Historic Preservation Officer: William L. Wheeler - Ted_Lild@ilpa.state.il.us Illinois Historic Preservation Agency Preservation Services Division One Old State Capitol Plaza Springfield, Illinois 62701-1512 (217) 785-9045 www.state.il.us/HPA/

Indiana

State Historic Preservation Officer: Jon Charles Smith- jsmith@dnr.in.gov Department of Natural Resources 402 W. Washington Street, Rm W274 Indianapolis, Indiana 46204 (317) 232-4020 Information: dhpa@dnr.state.in.us www.state.in.us/dnr/historic/

Iowa

Actg. State Historic Preservation Officer: Anita Walker - anita.walker@dca.state.ia.us State Historical Society of Iowa 600 East Locust Street Des Moines, Iowa 50319-0290 (515) 281-8741 www.iowahistory.org

Kansas

State Historic Preservation Officer: Jennie Chinn - jchinn@kshs.org Kansas State Historical Society Cultural Resources Division 6425 Southwest 6th Avenue Topeka, Kansas 66615-1099 (785) 272-8681 Information: histsoc@acc.wuacc.edu www.kshs.org

Kentucky

State Historic Preservation Officer: David Morgan - davidl.morgan@ky.gov Kentucky Heritage Council 300 Washington Street Frankfort, Kentucky 40601 (502) 564-7005 www.state.ky.us/agencies/khc/khchome.htm

Louisiana

Division of Historic Preservation Office of Cultural Development P.O. Box 44247 Baton Rouge, LA 70804 (225) 342-8160 National Register Coordinator: Donna Fricker National Register Section (1st time inquiries): Patricia Duncan www.louisianahp.org

Maine

Director: Earle G. Shettleworth, Jr. - Earle.Shettleworth@Maine.gov 55 Capitol Street, State House Station 65 Augusta, Maine 04333-0065 (207) 287-2132 / Fax (207) 287-2335 www.state.me.us/mhpc/

Maryland

State Historic Preservation Officer: J. Rodney Little - RLittle@mdp.state.md.us Division of Historical and Cultural Programs 100 Community Place Crownsville, Maryland 21032-2023 (410) 514-7600 or 1-800-756-0119 www.marylandhistoricaltrust.net

Massachusetts

Secretary of the Commonwealth Massachusetts Historical Commission 220 Morrissey Boulevard Boston, MA 02125-3314 (617) 727-8470 www.sec.state.ma.us/mhc/mhcidx.htm

Michigan

State Historic Preservation Officer: Brian D. Conway - conwaybd@michigan.gov State Historic Preservation Office P.O. Box 30740 702 West Kalamazoo St. Lansing, Michigan 48909-8240 (517) 373-1630 www.michigan.gov/hal/

Minnesota

Department Head and Deputy State Historic Preservation Officer: Britta L. Bloomberg - britta.bloomberg@mnhs.org Historic Preservation, Field Services and Grants Department Minnesota Historical Society 345 W. Kellogg Blvd. St. Paul, MN 55102-1906 (651) 296-5434 www.mnhs.org/shpo/

Mississippi

Mississippi Department of Archives and History 200 North Street Jackson, MS 39201 (601) 576-6850 Historic Preservation Division: msshpo@mdah.state.ms.us www.mdah.state.ms.us/index.html

Missouri

Deputy State Historic Preservation Officer: Mark Miles - mark.miles@dnr.mo.gov Department of Natural Resources P. O. Box 176 Jefferson City, MO 65102 (573) 751-7858 www.dnr.state.mo.us/shpo/index.html

Montana

State Historic Preservation Officer: Mark Baumler, Ph. D. - mbaumler@mt.gov The Montana Historical Society 225 N. Roberts P.O. Box 201201 Helena, MT 59620-120 (406) 444-7715 www.his.state.mt.us

Nebraska

State Historic Preservation Officer: Lawrence J. Sommer

Nebraska

State Historical Society 1500 R Street P.O. Box 82554 Lincoln, Nebraska 68501 (402) 471-4746 Information: nshs@nebraskahistory.org www.nebraskahistory.org/histpres/

Nevada

tate Historic Preservation Officer: Ronald M. James - rmjames@clan.lib.nv.us Department of Cultural Affairs 100 North Stewart Street Carson City, Nevada 89701-4285 (775) 684-3440 http://dmla.clan.lib.nv.us/docs/shpo/

New Hampshire

State Historic Preservation Officer: James M. McConaha - James.Mcconaha@dcr.nh.gov Division of Historical Resources P.O. Box 2043 Concord, New Hampshire 03302-2043 (603) 271-6435 www.nh.gov/nhdhr/

New Jersey

State Historic Preservation Officer NJ Department Parks & Forestry P.O. Box 304 Trenton, New Jersey 08625-0404 (609) 292-2885 www.state.nj.us/dep/hpo/

New Mexico

State Historic Preservation Officer: Katherine Slick - katherine.slick@state.nm.us Office of Cultural Affairs Villa Rivera Building, 3rd Floor 228 E. Palace Avenue Santa Fe, New Mexico 87503 (505) 827-6320 www.nmhistoricpreservation.org

New York

State Historic Preservation Officer Office of Parks, Recreation and Historic Pres. Empire State Plaza Agency Building 1, 20th Floor Albany, New York 12238 (518) 474-0443 http://nysparks.state.ny.us/shpo/

North Carolina

State Historic Preservation Officer: Jeffrey J. Crow - jeff.crow@ncmail.net Department of Cultural Resources Division of Archives and History 4617 Mail Service Center Raleigh, North Carolina 27699-4617 (919) 733-7305 www.hpo.dcr.state.nc.us

North Dakota

State Historic Preservation Officer: Fern E. Swenson State Historical Society of North Dakota ND Heritage Center 612 East Boulevard Avenue Bismarck, North Dakota 58505-0830 (701) 328-2666 www.state.nd.us/hist/

Ohio

State Historic Preservation Officer: Rachel Tooker - rtooker@ohiohistory.org Ohio Historic Preservation Office Ohio Historical Society 567 E. Hudson Street Columbus, Ohio 43211-1030 (614) 298-2000 www.ohiohistory.org/resource/histpres/

Oklahoma

State Historic Preservation Officer: Melvena Heisch - mheisch@ok-history.mus.ok.us Oklahoma Historical Society Wiley Post Historical Building 2100 N. Lincoln Boulevard Oklahoma City, Oklahoma 73105 (405) 521-2491 www.ok-history.mus.ok.us

Oregon

Deputy State Historic Preservation Officer: Roger Roper Heritage Programs Division Oregon Parks and Recreation Department 725 Summer Street, Suite C Salem, Oregon 97301 (503) 986-0677 http://www.oregonheritage.org

Pennsylvania

State Historic Preservation Officer: Barbara Franco Bureau for Historic Preservation Commonwealth Keystone Building, 2nd floor 400 North Street Harrisburg, Pennsylvania 17120-0093 (717) 787-2891 www.phmc.state.pa.us

Rhode Island

State Historic Preservation Officer: Edward Sanderson - esanderson@preservation.ri.gov Hist. Preservation and Heritage Commission Old State House 150 Benefit Street Providence, Rhode Island 02903 (401) 222-2678 www.preservation.ri.gov

South Carolina

State Historic Preservation Officer: Mary W. Edmonds - edmonds@scdah.state.sc.us Department of Archives and History 8301 Parklane Road Columbia, South Carolina 29223-4905 (803) 896-6168 www.state.sc.us/scdah/histrcpl.htm

South Dakota

State Historic Preservation Officer: Jay D. Vogt - jay.vogt@.state.sd.us South Dakota State Historical Society 900 Governors Drive Pierre, South Dakota 57501-2217 (605) 773-3458 www.sdhistory.org

Tennessee

State Historic Preservation Officer: Herbert Harper - Herbert.Harper@state.tn.us Department of Environment and Conservation 2941 Lebanon Road Nashville, Tennessee 37243-0442 (615) 532-0109 www.tennessee.gov/environment/hist/

Texas

State Historic Preservation Officer: Lawerence Oaks - l.oaks@thc.state.tx.us Texas Historical Commission P.O. Box 12276 Capitol Station Austin, Texas 78711-2276 (512) 463-6100 www.thc.state.tx.us

Utah

State Historic Preservation Officer: Wilson G. Martin - wmartin@utah.gov Utah State Historical Society 300 Rio Grande Salt Lake City, Utah 84101 (801) 533-3500 http://history.utah.gov

Vermont

State Historic Preservation Officer: Jane Lendway - jane.lendway@state.vt.us Agency of Commerce & Community Dev. VT Division for Hist. Preservation National Life Bldg., Drawer 20 Montpelier, Vermont 05620-0501 (802) 828-3056 www.historicvermont.org

Virginia

State Historic Preservation Officer: Ann Andrus - ann.andrus@dhr.virginia.gov Department of Historic Resources 2801 Kensington Avenue Richmond, Virginia 23221 (804) 367-2323 www.dhr.virginia.gov

Washington

State Historic Preservation Officer: Allyson Brooks - Allyson.Brooks@dahp.wa.gov Office of Archeology & Historic Preservation 1063 S Capitol Way Suite 106 P.O. Box 48343 Olympia, Washington 98504-8343 360-585-3066 www.oahp.wa.gov

West Virginia

State Historic Preservation Officer: Susan Pierce - susan.pierce@wvculture.org Division of Culture and History 1900 Kanawha Boulevard E. Capitol Complex Charleston, West Virginia 25305 (304) 558-0220 www.wvculture.org/shpo/shpoindex.aspx

Wisconsin

State Historic Preservation Officer: Michael E Stevens Wisconsin State Historical Society 816 State Street Madison, Wisconsin 53706-1482 (608) 264-6500 www.wisconsinhistory.org

Wyoming

State Historic Preservation Officer: Sara Needles - sneedl@state.wy.us Wyoming State Historic Preservation Office Dept. of State Parks & Cultural Resources 2301 Central Avenue, 3rd floor Cheyenne, Wyoming 82002 (307) 777-7697 http://wyoshpo.state.wy.us/

Big events and holidays can often mean big spending. A little pre-planning can help to ease and avoid financial pain. To the left are some worksheets that may be used when planning holiday or big event spending. In the meantime, here are some other tips for not overspending:

Set a Limit - Before any spending spree begins, make sure you know your limit. Set your cap a bit below as last minute expenses may arise. Did you account for mailing the gift? Gift wrap? The unexpected can creep on you before you know it! Also, take a look at how much you have spent in the past. Was it too much? What expenses surprised you? Asking questions like these will help you plan for the holidays and events to come.

Make a Gift List - Instead of hoping for something to catch your eye, keep a list of gift ideas. This way you will know what you are looking for and be able to better preplan the budget. This will also prevent buyers remorse - sometimes that gift that seemed like a great idea when you were in the store may not be so great when you sit down to gift wrap it.

Pay Cash - Credit cards are easy to use but not all of us are good at paying them off as soon as the bill comes. Taking cash helps you stick to your budget. Another alternative is the prepaid credit cards that you load with a limited amount in advance. Many also find these pre-paid credit cards a nice alternative to use for online purchases for extra credit protection.

Shop Early or Late - Depending on how far in advance you like, plan to shop either in advance of the holiday season or post-holiday season with the next year in mind. This will allow you to stick to a budget and not get caught up in last minute buys. It will also relieve a lot of the stress that comes with shopping during the busiest shopping days of the year!

Allow Time for Shipped Gifts - Plan ahead if you are shipping gifts to friends and relatives far away. Waiting until the last minute will mean more expensive postage to get gifts to the door on time.

Take Time to 'Comparison Shop' - Some of us get our list together and then just want to get it over and done with. Be patient, compare store prices and options before you go out to buy. This will help stretch that budget further.

Be Creative - Have fun with your gift ideas. Consider homemade or crafted gifts; however, don't forget the time involved making these items! Or make your own gift baskets - know a lot of chocolate lovers? Instead of buying a pre-made gift set - make your own basket of local chocolates or goodies.

These days you can find a web site that covers anything. Included in this trend are home improvement web sites. Some of these helpful sites may be related to a television program (as discussed in our April article 'Home Improvement Television'). However, there are also many that are mostly web based that offer great home improvement hints, tutorials and visual aids. Below is a list of some of these web sites. We have included the web site message to the consumer, our short review and our ranking of the practical features (such as navigation) to the right. Web sites are listed in alphabetical order. Hopefully you will find some information here that may help you on your next home improvement project! About.com Home Repair http://homerepair.about.com/ Web Site Summary: [About.com contains areas maintained by experts in the field; the only description we found about this section was about the expert.] Bill Lewis is a professional electrician. He has also been a carpenter, a contractor, an editor, a publisher and an urban planner. Bill focuses in this site on repairs and improvements with an eye to saving money and adding value. Homecheck Summary: Helpful articles about various projects and home repair issues. A good article reviews the pros and cons of do-it-yourself work. Overall the articles are quick and to the point. No illustrations are offered but the advice is good and well written. Would like to see more topics and visual aids. Al's Home Improvement Center http://alsnetbiz.com/homeimprovement/ Web Site Summary: Als Home Improvement Center is the site for do it yourself and how to tips covering all aspects of residential home repair, home improvement, remodeling, and renovation projects around the house. Featuring tips, advice, how-to articles and step-by-step information to help you maintain and improve the value of your home. Homecheck Summary: Random. This web site is primarily made up of links to other home improvement sites. However, there are some written guides and tutorials. The web site itself is basic in appearance and has few visual aids. However, some of the tutorials do offer step by step pictures. The site may be hit and miss but does seem to have some hidden gems. Ask the Builder www.askthebuilder.com Web Site Summary: Once you are in my new cool web site, here is what you will find: Over 400 Step-by-Step Guides- these contain the extra content, how-to instructions, links to manufacturers, etc. that the newspapers didn't have the room to print when they ran my original columns. Numerous TV Video Clips - watch me show you new products and cool tricks on how to do things. Over 150 Radio Shows - These radio shows have been stripped of the boring commercials. Each show is broken out into the individual callers. I explain in great detail how to do things as I talk to callers. You can listen to the segments or shows as often as you want. Each week I add the latest radio show for your listening pleasure. Email Questions and My Answers - Live questions from visitors just like you along with my responses. [This description is what a premium, paid for membership includes, some of these materials are available for free on the web sit as well.] Homecheck Summary: This web site does offer some good articles about home improvement. A paid for membership will give the user access to much more. Good content in the articles and Q&A, but not very many visual aids. Some of the material is for geared towards those with advance knowledge of home construction. A good site to review and would be even better if you want to pay for the membership; check out what a paid membership get you, click here. Better Homes & Gardens www.bhg.com Web Site Summary: BHG.com is focused on decorating, building and remodeling, crafts, entertaining, cooking, and gardening. It also has extensive information for women and families. In addition to providing useful tools and advice, BHG.com's trusted experts keep visitors up to the minute with information on the latest developments and trends around home and garden. BHG.com was designed with real people in mind. It has easy-to-use interactive tools; clear visuals; specific, step-by-step instructions; and money saving suggestions. It makes life easier and more enjoyable. Homecheck Summary: One of the first things you'll notice are the pop up ads on every page; incredibly annoying and overused! This site does have home improvement and restoration articles available online. However, the articles are brief and some do not have pictures. The Tools & Guides are useful and easy to use. These tools include planning the layout and painting rooms to calculators for figuring out the cost of materials in advance. Overall this site is better for stimulating decoration and remodeling ideas but does little to tell the do-it-yourselfer how to tackle these projects. BobVila.com www.bobvila.com Web Site Summary: Online and on the job site, home improvement pro Bob Vila helps homeowners build their dreams. Homecheck Summary: This web site offers a lot more information than just TV listing times. It is easy to get around, however, there is so much information available the choices at first can be a bit overwhelming. Articles are very practical and thorough, fix its include diagrams and photos, and the videos are a great way to review topics if you missed the television show. Design tools and the bulletin boards do require a sign up, but it is FREE! These tools are great and easy to use. Overall this site is one of the most informative and generous internet sites offering expert advice. DoItYourself.com http://doityourself.com Web Site Summary: N/A Does list a great deal of quotes from media sources and what they say about the site. Homecheck Summary: This web site really uses the point and click method. Once inside, most of the pages show all possible selections at once leaving the user to scroll and review at will. For shopping this works best. Once in the home improvement section, each topic has How To, Q&A and Tips. All are written concisely and use some pictures when applicable. Some How To's are more informative than others. Depending on the topic, users may find not all their questions answered as the subject may only have an introduction/summary instead of a full tutorial. More diagrams and drawings for some of the How To sections would be nice as well. Finally, a collection of manufactures and suppliers are listed by area of expertise or in advertisements throughout the site. (For professionals interested, listing on these pages begins at $30.) DoItYourself Network www.diynetwork.com Web Site Summary: DIY Network is your television source for the latest do-it-yourself projects, including Home Building; Home Improvement; Automotive & Boating; Crafts; Gardening; Living; and Woodworking. Informational and entertaining, DIY's programs and experts answer your most sought-after questions, plus offer creative projects that will inspire you to do something out of the ordinary - yourself. DIY's web site, DIYnetwork.com, features step-by-step instructions for all that you see on-air, totaling more than 15,000 projects online. Homecheck Summary: The tutorials do point out the television show times. However, if you miss the show, a step by step detail with pictures from the project are available online. Not all the show reviews are meant to be tutorials of how-to but instead are examples of what may be accomplished; a sort of idea bank. Overall the tutorials are clear and easy to follow. There are also some project planners available, but these are borrowed from the Lowe's web site. Home Decoration Concepts www.homedecorationsconcepts.com Web Site Summary: Homedecorationconcepts.com is a site that has been built to ensure you have all the information you want when you build your own house. The information presented here covers various aspects of home decor ranging from individual articles on decoration bedrooms, kitchens, bathrooms etc to general articles on furniture &furnishing the house. The site even provides you with articles based solely on how to paint and maintain your house. In short, Homedecorationconcepts.com can be your first step towards your dream house! Home Depot www.homedepot.com Web Site Summary: The Home Depot is the world's largest home improvement retailer and second largest retailer in the United States. We help our customers build their dreams by being more than a store. Learn about Home Depot and our other subsidiaries that specialize in everything from flooring, lighting and interior decor to landscape supply. See how we're making your community a better place to live. Find a career with a Home Depot company or invest in your future as we drive to establish wealth and financial security for our investors. Homecheck Summary: An extension of the store, this site is intended to sell products. However, it also has some tips and ideas for using the products available. The tutorials on this site do come with difficulty rating and photographs of the project steps/procedures. An easy tool included in the tutorials is a printable shopping list so you may know exactly what you need (and where to buy it!) for any project. The only downside is the planning tools are brand based and only show painting color schemes, shelving layouts, etc. using one particular brand. Home & Garden TV www.hgtv.com Web Site Summary: At HGTV.com, you'll find even more of what you love about HGTV: instructions for thousands of home and garden projects, video tips, an interactive Program Guide and episode finder, Calculators, Message Boards and more. Just click on your favorite topic—Decorating, Remodeling, Gardening, At Home, Crafts—to learn the latest on enhancing your nest. And be sure to visit the HGTV Store for unique home and garden gear. Homecheck Summary: The How-To tutorials are great. They take you through step-by-step with audio and visual review. After watching the segment you may print out written instructions as well. It does work best with a high speed internet connection. Only negative comment is we wish there were more! But these are sponsored by Lowe's and users may always click on the advertisement to go to their library as well. The Home Improvement Web www.the-home-improvement-web.com Web Site Summary: The New Home Improvement Web Directory - Tips, Design, Decorating, Repair and Improvement Information For The Consumer and Professional! Find Improvement Tips, Products, Professionals, and Services in Canada, United States, and United Kingdom! Homecheck Summary: Some great articles about home maintenance and repair. However, there are no illustrations. Many of the articles are submitted by other web sites/sources, but the quality of the articles seems to stay about equal. HomeStore.com www.homestore.com Web Site Summary: Homestore, Inc. is a leading supplier of media and technology solutions that promote and connect Real Estate Professionals to consumers before, during and after a move. Homecheck Summary: This site is primarily geared to those looking for realtors, homes, apartments and other real estate listings. To find home improvement articles go the Home & Garden tab at the top right. Here you may find decorating and some guides to home improvement projects. The tutorials are borrowed from the Creative Homeowner text and include great pictures with the step by step guide. Finding the tutorial you are looking for can take a little time through the different menus. It is easy to click on another feature and be taken to another site; although the new site is owned by the same group, why you went there may not be clear at first. Again, do-it-yourself home improvement is not the main feature of this site so unfortunately there are not as many articles and projects; but the articles it does offer are easy to follow and have good visual aids. HomeTime.com www.hometime.com Web Site Summary: Welcome to Hometime.com your online source for home improvement, remodeling, and repair information. Here is where you’ll find project advice, information about current and past TV episodes, behind-the-scenes Hometime information and a variety of products to help you with all your project needs. Homecheck Summary: This site has project advice, information about the show and a variety of products to help you with all your project needs. Also find lists of vendors and their contact information for materials you see used on the show. The how-to tutorials on the web site are basic. Check out the archives to find past episodes that relate to your own projects. Copies of programs can be bought and usually cover one individual tutorial or the whole series related to construction of one house project. Home Tips www.hometips.com Web Site Summary: Home Tips is your free one-stop resource for help with home improvement, remodeling houses, home repair, decorating, and buying appliances and other home products. Homecheck Summary: This site has some lengthy articles and some quick summaries. Very few pictures and a lot seems to point towards purchasing material through the site. That is not to say the information isn't valuable; many of the articles/buyer's guides offer good reviews of the materials available to the consumer. There is a section of D-I-Y Instructions that offers a bit more insight. But again would like more step-by-step, illustrated instructions. Lowe's Home Improvement www.lowes.com Web Site Summary: [Well the closest we could find!] Lowe's has been Improving Home Improvement ® for more than 59 years. In 2005, Lowe's earned several notable industry distinctions, including: Ranked 43 on the FORTUNE 500; Named 2003, 2004 and 2005 ENERGY STAR Retail Partner of the Year; Operates more than 1,100 stores in 48 states Homecheck Summary: Offered by the retail store as an extra feature, the primary goal of the site is to get information about and/or purchase products for sale. Prompted for your Zip Code, this information is used so you may search for products available in your area (this includes plants!). Navigation is easy, however some pages heavy with images may take longer for some computers to load. Most of the tutorials suggest certain products, which is to be expected. However, these tutorials do still prove to be helpful and diagrams are provided for more complex tasks. Check out their 'In-Depth Microsites' for more information and online tools such as the Garden Planner. The Garden Club has really useful tools with great information about plants. Overall, this site does prove helpful to the home improvement weekend warrior. Michael Holigan's Your New Home www.michaelholigan.com Web Site Summary: Michael Holigan’s Your New House, seen on broadcast stations and cable by more than 2 million viewers every week. We promote tips and advice on how to build, buy and remodel the home through our TV show...serve as a source of expert advice and information for consumers on topics relating to: New home construction, The purchase and financing of new and existing homes, The purchase and financing of manufactured homes, Residential remodeling, Home improvement Homecheck Summary: Tutorials are available through online copies of show transcripts or broken down into step-by-step online tutorials. The use of photos help illustrate the steps of the projects. If you have a good connection you may also watch video excerpts from the show. All around great advice and direction. Just can't wait for there to be even more topics available. MSN House & Home http://houseandhome.msn.com/ Web Site Summary: [Could not find one for this section, but everyone is pretty familiar with MSN.com for which this is an extension.] Homecheck Summary: Tutorials and content is provided by Better Homes and Gardens. Articles are short and to the point. Most have drawn illustrations. Start Remodeling www.startremodeling.com Web Site Summary: StartRemodeling.com’s Roots began in 1997 as an interactive sales tool for Lone Star Specialty Remodelers, a Houston, TX based remodeling contractor, in business since 1982. The site, still owned and operated by Real Remodeling Professionals, was transformed in 1999 to bring visitors to the Internet an informative and easy to navigate site that will allow them to locate anything and everything they may need to improve their homes. Homecheck Summary: Some good short articles and how-to's are in the Interior and Exterior Showcases. The remodeling values article is a nice hidden gem as it was the first we saw of someone illustrating how that major home improvement project may effect the resale value of your home. Overall, the articles are bit hit and miss and could use more visual aids, but there are some definite gems to look over in the archives. This Old House/Ask This Old House www.thisoldhouse.com Web Site Summary: Homeowner Know-how: Our extensive database of do-it-yourself articles and step-by-step instructions help homeowners execute a wide range of home improvement tasks. Organized by topic, this section covers everything from kitchen and bath to yard and garden. Homecheck Summary: Some free tutorials available online. However, most information is only available to magazine subscribers ($4.93/3 issues & presumably much more through online access). The guides that are offered for free are well written, have great photographic visuals and are easy to follow. It may make the subscription worth it to those who want expert guidance and help. TrueValue www.truevalue.com Web Site Summary: True Value, operating worldwide, has been a leader in the hardware industry since 1948. With its broad and deep product selection and helpful customer service, True Value is a trusted resource for do-it-yourselfers in big cities and small towns alike. Homecheck Summary: The web site for the retail store, this site has some good directions for home projects and improvements. The tutorials are very detailed. Drawn pictures serve as visual aids; it would be nice if there were more of them for some of the projects listed. Well written and easy to follow articles. Don't forget to check out the expert Q&A where you may submit questions or review the archive or questions asked. Toolbelt Diva http://media.home.discovery.com/fansites/toolbeltdiva/toolbeltdiva.html Web Site Summary: As the feisty host of Discovery Home Channel's new series Toolbelt Diva, Norma pairs up with female homeowners to tackle a variety of home-improvement projects. Toolbelt Diva proves that any woman can take on just about any home-improvement project, and it also has plenty of information and insight for the man of the house as well. Homecheck Summary: A fun twist to the usual home improvement shows, this tv show's web site also offers video clips and written guides reviewing projects handled on the show. Wish there was more material available online as the topics covered are still rather limited.

Welcome back to Rocky’s Corner! Last month we discussed Part 2 of an 8 part series of Preventive Maintenance Tips for your Home that included every month and every 3 months suggestions.

This month we have completed handy tips for every 6 months. Every 6 Months

SMOKE AND CARBON MONOXIDE DETECTORS: Change batteries and check to make sure they are operating properly. Check with your local building department to see if newer codes recommend adding more detectors than were required when your home was built Consider installing a carbon monoxide detector if you don’t currently have any.

BASEMENT AND FOUNDATION: Check for cracks and moisture and make any necessary repairs.

TOILET: Check for leaks in water feed, tank bottom and repair or replace the toilet if necessary. Consider changing older models for newer.

INTERIOR CAULKING AND GROUT: Inspect caulking and grout around tubs, showers, and sinks; clean and replace if deteriorating.

PIPES: Check your pipes for rust or white lime deposits that may indicate a leak is starting; replace if necessary. Check for leaking around the outside hose bibs. Install insulation around outdoor water pipes to protect from freezing.

WATER HEATER: If you do not routinely flush a quart of water from the tank four times a year, then every six months you should turn off the power source and drain it completely until it’s clear of sediment. Also inspect flue assembly (gas heater); check for leaks and corrosion. A leak usually means the bottom of the storage tank has rusted through. You’ll probably benefit from replacing it with a more energy efficient model.

CENTRAL AIR CONDITIONING SYSTEMS: At the beginning and end of each cooling season, vacuum out the unit and lubricate the motor. If the unit is not cooling properly, contact a technician to check the pressure level of the refrigerant.

GUTTERS AND DOWNSPOUTS: Clear/install/repair gutters and downspouts and make sure the runoff is directed away from your home so it can’t erode the soil around the foundation or run into your basement or crawl space. Install gutter accessories to divert water, channel underground drain lines into existing yard drainage or storm sewers.

NATURAL STONE TILES AND SOLID COUNTERTOPS: Natural stone needs regular maintenance every six months by sealing with an impregnating liquid silicon stone sealer to help repel both water and oil based stains more effectively and be much easier to clean with proper cleaning solutions and methods.

INSPECT YOUR ROOF: Check for warping, aging, moss, and cracking making sure that shingles, shakes or tiles are sound and repair as needed. Inspect the flashing around chimneys, skylights and vents. Seal cracks or openings where water could penetrate. Consider a roof replacement if you notice considerable wear or damage.

SIDING: Inspect siding (especially on the south and storm sides of the house) for evidence of deterioration, including cracks, splintering, decay, and insect damage; clean, treat and repair as needed. Brick and stone: check joints between wood and masonry Waterproof, repair or repaint. Wood: look for lifting or peeling paint, splitting wood or areas where the wood grain is separating . This is evidence that water is getting into the siding. Stucco: a chalking residue that rubs off on your hand is evidence of oxidation, a deterioration of paint or color coat that reduces stucco’s insulation value. If the stucco is cracked, this allows water to get in around windows and doors. Trim: look for peeling paint on the fascia boards, window sills and sashes that could allow water in to form mildew and fungus on the interior of your home behind curtains, blinds and window coverings.

LANDSCAPING: Cut back any trees or shrubs that are touching the exterior. Prune deciduous and flowering shrubs regularly to promote healthy growth, control plant size and shape, and increase the number of flowers and fruit. Check with a local gardening service or your county extension agent for information about appropriate measure in your area for fertilizing, thatching, aerating and reseeding lawn, and controlling disease and insects in all your landscaping.

DOORS AND WINDOWS: Clean exterior of upper-story windows twice a year; clean and lubricate sliding-glass-door tracks and window tracks. Lubricate door hinges and locks.

WEATHER-STRIPPING: Check the weather-stripping around all doors and windows and replace if necessary to reduce drafts and the loss of heated and cooled air. Join me next month for Part 4 of our series on Preventive Maintenance Tips for your Home. We will be discussing Maintenance Tips for once a year. Visit us at www.freminshomeimprovement.com