How To Pay For Your Next Home Improvement

O.K. you want to add a hot tub to your home to enjoy your evenings outside with your family and friends. You have cash sitting in your bank or you have a few credit cards that you can tap into to finance your home improvement.

What is the best option? Should you get a Home Equity Line of Credit? Making the right decision is based on knowing various pros and cons of different ways to finance your home improvement project and your current situation. Even if you have cash sitting in the bank, it may not always be the best option.

If you have cash at hand, it should be earning at least 5% in a savings account. If you are not earning 5% from your bank, dump them and go to a bank that will give you at least 5% on your money. Search the Internet and you will be able to find a few online savings accounts, offered by well known banks like Citibank, Emigrant bank or HSBC that will give you a 5% return on your deposit.

If your credit is good and the project is small, search for a credit card that will give you 0% interest rate for a year. Apply online and get approved instantly. Within a couple of weeks, you will get your card and you will be able to use it for your home improvement project. When you get a loan on 0% interest rate, make sure that you do not miss a payment. To avoid missing a payment, use online payments offered by many banks for free or the online payment option of the credit card company.

If your home improvement project is a large one and you want to do it in stages, HELOC, or Home Equity Line of Credit, is a good option. Search the Internet to get the best rate. Find a bank that not only offers the best rate but also waives the finance charges. When you take a HELOC loan, you are essentially putting your home as collateral and the interest you pay may be tax deducible.

Refinancing your home is a good choice if you have a large equity in your home or you want to reduce your existing mortgage rate. Also, if your home improvement project will add substantial equity to you home, refinancing is an attractive option. You will also get tax benefits on the interest you pay.
Obtaining a second mortgage to finance your home improvement project makes sense if you get a low fixed interest rate and the interest rate on your first mortgage is even lower than the second mortgage. A second mortgage involves less paper works than a full refinancing.

Don’t make a decision on haste. Weigh the pros and cons of various methods discussed above and your current situation. Find the best way to finance your home improvement project using other people’s money and without hitting your pocket book hard.

Jeff Schuman invites you to visit his home improvement financing website for ideas and articles on financing your next home improvement. http://home-repair.ideas-from.us/home-improvement-financing.html

Where To Look For Ideas For Your Next Front Yard Landscaping Project

If you’ve just moved house or just want to renovate your front yard, it’s quite easy to find landscaping ideas if you do some homework. Whether you are a newbie or have some experience in landscaping, there are a few places where you can find a lot of inspiration and tips for your next landscaping project. Read on to learn where you can find a lot of suggestions and ideas.

The public library

Libraries have a large collection of books on plants and gardening, history and decoration. Even books picturing images of remote countries landscapes will be useful to get your mind to work. You can use books on historical gardens, or you can even find antique photos of your area gardens and parks. You will also find several books on the art of landscaping and all its branches: Classic French gardens, English Country gardens, Xeriscaping, etc.

Your New Neighbors

If you’ve just moved in to a new neighborhood, invite some of them over and ask for suggestions. Talking about landscaping is a wonderful icebreaker, and a great way to make new friends. You don’t need to use all their suggestions, but you can also find a helping hand and someone to show you around the new neighborhood when you need to shop for plants and tools.

Go to the park

Don’t forget to visit your local park, botanical garden or any other green areas in your neighborhood. Not only is it a great way to get to know your new neighborhood, but it’s a great source of inspiration for your front yard landscaping project. Go and see nature in its purest form: there are plenty of plants and herbs that will inspire you to go out of the box and be original in your yard. You don’t need to use regular bushes or grass, you can try wild plants or herbs, especially those that are native to your area. The green areas of your neighborhood are a great source of information and inspiration. If you need some extra info on certain plants, don’t hesitate to ask your local botanist at the botanical garden or museum.

Pay a visit to your local gardening store

If you’re new to town, ask around to find the best places to buy plants, seeds and tools. You can go to your local gardening store, nursery or greenhouse, or to all of them. The people working there will be eager to give you plenty of info and tips.

The places mentioned here are just a starting point to trigger your inspiration and find ideas for your next front yard landscaping project. Pay attention to your taste, your heart and then plan the best front yard landscaping you can!

Cindy Heller is a professional writer. To learn more about front yard landscaping idea, please visit back yard landscaping idea.