The popularity of HGTV (Home & Garden Television) has created a
thriving market in do-it-yourself home improvement and interior
decorating. All sectors of the home improvement industry have
benefited since HGTV started airing in 1975.The real estate boom was followed by a home improvement boom.
People would buy a old house and want to redecorate the house
from floor to ceiling. People who had lived in their houses for
a while wanted new kitchen cabinets. The home improvement shows
were an impetus for a massive movement by homeowners to start a
remodeling revolutionThe home improvements that people take on include makeovers from
the attic to the basement. They perform functional repairs like
fixing a leaky roof, replacing windows, and adding more room to the
house. Then there are the projects that are just for the
beautification of the home like updating kitchen, remodeling a
master bedroom.Some people use home improvement as a creative outlet. They paint
and redesign just for the satisfaction of improving their living
space. HGTV has been a large contributor to the home improvement
revival.HGTV reaches 89 million households every week and over 800,000
nightly prime time viewers. The format of the show has been copied
several times and spin offs like Trading
Spaces, Extreme Makeovers. Viewers sit for hours watching
“Design on a Dime” “Devine Design”, “Landscapers Challenge”.
The home improvement shows just keep coming.HGTV provides instructions for thousands of home improvement projects.
They provide video clips for everything from garden projects to
constructing a bed. HGTV is the one-stop resource for finding anything
you need for expert help with “doing it yourself” projects.HGTV makes home improvement look easy and fun. HGTV gives viewers
new ideas and inspires the week end warrior to do some type of home
improvement project. HGTV mission is “to provide ideas, information,
and inspiration for decorating and home improvement”.The impact that HGTV has on home improvement can be measured in these
statistics.Furniture sales grew by 75%, between Between 1995-2005
Sales of home furnishings increased 97% in this same period. These items included soft goods as well, carpets, lamps, area rugs,
linens, glasswarePeople all over the country are decorating their homes to look like
these superbly beautiful fantasy creations that they view on HGTV.
If you are not a “do it yourselfer” you can just imagine the way yourhome might look when you go on tours of million dollar home all
across the country. You see people who look like you making grand
improvements to shacks that end up looking like your dream home.HGTV has had a dramatic impact on the home improvement industry
because HGTV appeals to the age group of people who have the money
to pay for major home improvement projects. The demographics of the
typical HGTV is a female age 35-64 years old. Over 70% of HGTV
viewers are females.
That means that the female viewers are encouraging husband, fathers,
brother to do the work so they can enjoy the benefits.
The additional general consumer demographics for home improvement by
female indicate:They shop more often
Visit more stores
Spend more than the typical shopperThe target demographic for the Do It Yourself Website is:Homeowners
Incomes of $60,000
Propensity for home improvement The home Improvement Research Institute studies show that both men
and women are active participants in the planning of home improvement
projects as well as the purchase of those products used for
Contrary to what you might have thought, it’s a lot easy to position yourself for a cheaper home insurance rate. The two things that are holding you from getting a cheaper rate now are relevant information and a resolve to use the recommendations you get. Let us get into the steps you need to enjoy more affordable rates…1. You’ll pay cheaper home insurance premiums if you get group homeowner’s insurance. Some associations have also negotiated discounts for their members with home insurers so ask if yours has such.However, before you use this option, compare the premiums you’ll get through such an association with what you will pay with another insurance company. You can get an insurance company that your association has no form of affiliations with that offers your profile a far lower rate. There’s stiff competition in the home insurance industry and you can benefit from this to get cheaper premiums if you take your time to do extensive shopping and comparisons.2. Buy an umbrella policy and cut down your homeowners’ liability coverage. The extra advantage here is that notwithstanding that you will pay much less, you’ll also receive much better coverage.You have home liability coverage to ensure you do NOT suffer losses on account of injury to people on your property. Lawsuits that may result from any injury claims are also covered. However, every liability coverage has limits that may be insufficient to deal with certain lawsuits.Nevertheless, there are very few (if any) lawsuits that an umbrella insurance policy will NOT give you coverage from completely.3. Smoke and fire detectors will do much to reduce your home’s fire risk. If you place them in all the essential parts of your building you’ll enjoy a discount. And, remember to change their batteries as stipulated by the manufacturers.The reason for this discount is that such detectors make it much easier for fires to be spotted before they can do any damage. And since the risk of fire in a house is a defining factor in calculating home insurance rates, you will pay far less by taking this step.4. A CLUE (comprehensive Loss Underwriting Exchange) report is essential for every home buyer. You will save because you will know things that’ll make you spend more for a home insurance coverage if you buy the house in question.For example, some people do NOT realize that they’ll spend more if the town they reside in has only a volunteer fire service and NOT a full time service. Having a home near to a police station or fire hydrant will also reduce your home insurance premiums.Get such crucial information before buying a home. You could pay less for the house and end up paying a lot more on insurance.5. Do you understand all your home insurance policy excludes? Note that you won’t get compensated for anything that is excluded from your policy.Before you rejoice about that cheap offer, ensure that the exclusions section doesn’t slash off things of great importance to you. However cheap a policy is, it loses its meaning if it doesn’t provide adequate coverage. All it takes is reading through the policy to avoid unpleasant surprises on the long run.Finally…You can save much by visiting not less than five sites for home insurance quotes. If you do this, you will be able to get the lowest quotes available as five sites will present up to 25 quotes altogether.
People will always need places to live. As such the real estate market has been around in some form or another for a long time, and is likely to be around for much longer. Because most people will buy or sell at least one home in their lifetime, potential real estate leads are EVERYWHERE, just waiting to be snatched up by an agent.That’s a good thing to know if you’re interested in becoming a real estate agent. If you think real estate is a money tree and converting real estate leads in clients is a piece of cake, don’t even BOTHER getting your license. The first thing to realize when thinking about a job in real estate is that it takes a LOT of hard work to be successful at converting real estate leads to clients. Of course that is counter balanced by the fact that there is almost unlimited earning potential in the field if you’ve got real estate leads and you know how to work them.The first step to becoming a real estate agent is doing your homework. Research the field, talk to other agents, get an idea of what you’ll be getting yourself into, because the classes you take to get licensed are simply to get LICENSED. They rarely tell you how to actually BE an agent.Once you’ve made the decision to go for it, start NOW. It can take 2-3 months to finish classes and get your license, but don’t wait until you’re licensed to start building your real estate leads database. Sit down and think about every person you know by face or name, get as much contact information as possible on them, and enter them into a database. There. You’ve just collected a bunch of real estate leads already!As you’re working your way to getting your license, there are a few other things you can do to prepare, so that you can start earning money with your real estate leads as soon as possible after getting licensed. If you’re going to be following up with all those real estate leads you compiled, you’ll need a cell phone and a car. Look into cell phone plans with unlimited minutes, because you’ll use them. Look for a reliable 4 door car that does great on gas mileage, because you’ll definitely be needing that as well. Don’t worry about getting a Beamer your first year – there will be plenty of time for extravagant spending once you’re a success. For now, you just want to be able to contact and visit your real estate leads for as little money as possible.It is also important to think about what kind of real estate company to go with even before you’re licensed. It’s best to find a comfortable mix of a company that will cover some of your expenses for a portion of your commissions, but doesn’t limit you on your marketing abilities. Some companies will provide you with tons of support and your own real estate leads. Others won’t. It’s up to you to find a good mix that helps you out but doesn’t constrict you too much. When you go into real estate, you’re starting your own business. Always think of it that way.Remember that list of real estate leads you compiled of everyone you know? While taking your real estate classes, it’s time to let those real estate leads know what you’re up to. Start giving them a head’s up that soon you’ll be a licensed real estate agent and though you can’t sell real estate at this MOMENT, you will be able to do by whatever date you get your license. It’s never to early to start building that sphere of influence and filling it with real estate leads.One of the best things you can do, if it is a possibility, is talk to a successful real estate agent. The only way to truly learn to be a great agent is to learn from the best! Build a rapport with a real estate agent and than offer to do their dirty work. That’s right – even if just for a day or two, ask them if you can help follow up with their real estate leads, just to get an idea of what the business is all about. Not many people would turn down free labor, and it gives you an idea of exactly what you SHOULD be doing to be successful with your real estate leads once you’re licensed.
Everybody thinks of having a better place to live. A place with all the facilities, more than a normal home. Which will not only give you physical comfort but also the inner satisfaction you are looking for. Home improvement loans will provide you the money to support your needs for converting your existing home into the one you wished for.You may be wondering about the term equity in your home. Equity is the market value of your home less any debts taken against it in the past. You build equity as that difference grows –when you repay your existing mortgage to decrease the amount you owe, or when your home’s value increases. With home improvement equity loans you can borrow up to 125% of your equity depending upon the requirement.Home improvement equity loans are of two types.One is standard home improvement equity loan in which you get the lump sum payment of the loan amount. This form of home improvement equity loan is suited for those who want to finance large one time expense. It offers you simple repayment terms and a security that your payments will never increase.The other one is line of credit which you can use like a credit card. There is a limit set for you up to which you can borrow, and you just have to pay the interest on the amount you borrow. This form of loan is to finance ongoing expenses or miscellaneous purchases.You can borrow against that equity when you need cash, using either a home improvement equity loan or a line of credit. Both offer a number of advantages over other types of financing including:o Interest savings. Home improvement equity loans or line or credit typically have much lower interest rates than other types of financing, such as credit cards and personal loans.o Tax benefits. Just like your first mortgage, the interest you pay on a home improvement equity loan or line is usually tax-deductible. You should consult your tax advisor about the deductibility of interestLenders normally place no limitations on your home improvement projects, as long as they are within the boundaries of your local building requirements. Depending on the type of improvement, you have the choice of doing the home improvement work yourself, or using a home contractor. You just need to do a little research while looking for a lender to avail the benefits.Home improvement equity loans will provide you the right platform to transfer your place of living into a home. These loans are recommended as it is a nice way to get equity from your home for improvement of your home.
There are many people that are venturing out and searching for additional ways to make additional income. That is to be expected when it comes to real estate. Real estate has been a popular investment for many years. Many millionaires made their first million dollars in real estate. So it should come as no surprise that Real Estate Investing is being glamorized by celebrities like Donald Trump and various television shows that depict real estate investing as a big money maker.Real Estate Investing can be all that celebrities and television program make it out to be, but it is not as easy as it looks. Real Estate Investing requires knowledge of different techniques that can be used when trying to buy, sell, negotiate or repair a house. Without this type of specialized knowledge real estate investing can be a monumental disaster.Having laser specific knowledge can mean the difference between success or failure. Knowledge is what separates those that invest in real estate and those that talk about investing in real estate. The knowledge that is required is not difficult to master. In fact, just about anyone can be a successful real estate investor. I have seen people from all walks of life and educational backgrounds go on to be successful real estate investors. One man that I know and admire very well became a successful real investor despite the fact that he first had to learn how to read. It is possible for anyone to learn how to invest in real estate.Who should learn more about real estate investing? Anyone that is considering buying property as an investment should become educated before doing so. Rentals, foreclosures, rehabs, lease options and various other techniques are tried everyday by real estate investors. In most cases however, only the investors who have taken the time to educate themselves will be successful.Also, anyone that is considering buying or selling houses on their own (without a realtor) is at considerable risk of financial loss if they don’t get an education before venturing out into unchartered waters.There are many different types of educational opportunities. One can always purchase books from the local bookstore to get some advice. There is also a large number of websites that cater to real estate investing. Some of these sites will sell home study courses that, in some cases, give a thorough, explanation, training and education on various real estate investing topics. One may also find coaching and mentoring online to help those that don’t believe they are quite comfortable enough yet to do real estate deals on their own. Some colleges and Universities have also started to teach real estate investing.It is never too early to start the educational process. Real Estate Investing can be a very lucrative business. It can also bankrupt those that are not ready to invest or that do not understand how to minimize the risks that come with the real estate investing territory. In the end every one that invests in real estate is doing so at their own risk. A proper education in real estate investing is a great way to minimize that risk and start one on a path of financial freedom.