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Showing posts from October, 2024

How To Reface a Fireplace Surround and Hearth

Planning Your Fireplace Makeover Determine how much you’re willing to spend on your fireplace makeover. Consider the costs of materials, tools, and labor if you’re hiring professionals. Remember to factor in unexpected expenses that may arise during the renovation process.   According to Angi , refacing your fireplace can cost anywhere between $650 and $4,000. Selecting Materials for the Surround and Hearth Choose materials that complement your home’s decor and meet your functional needs. Options for the surround and hearth include: Natural stone (granite, marble, slate) Ceramic or porcelain tiles Brick or stone veneer Concrete Wood (for the mantel) Consider factors such as durability, heat resistance, and maintenance requirements when making your selection. For example, granite is highly durable and heat-resistant, making it an excellent choice for both the surround and hearth. Steps for Refacing a Fireplace Sound and Hearth Step 1: Pry off the mantel If the mantel is to be reused, ma

Move To A New State Without The Stress Using This Guide

Embarking on a journey to a new state is both exhilarating and challenging, as it requires meticulous planning and consideration of various aspects to ensure a smooth transition. Whether you're moving for a job, family, or simply a change of scenery, this guide from Clyde Miles Construction Co. is designed to navigate the complexities of relocation. From financial considerations to personal adjustments, each step is crucial in making your move successful and stress-free.   Learn Cost of Living Variations   The cost of living can vary significantly from one state to another, so it’s imperative to research and understand the financial implications of your move. Look into housing costs, utility expenses, transportation, and daily necessities like groceries and gas. This knowledge will help you craft a realistic budget and financial plan, ensuring you're well-prepared for the economic environment of your new home.   Exploring the Job Market   Your career prospects

You don’t have to refinance your mortgage to cut your interest

  If you purchased a home within the last few years, you might have felt a jolt of jubilation watching mortgage rates fall. If you locked in at the recent peak — nearly 8 percent last year — you may wonder whether   now is the time to refinance. The refinancing fever was sparked by the Federal Reserve’s  half-point reduction in interest rates in September.  Although mortgage rates aren’t directly tied to Fed rate changes, the policy action still  affects the housing market. As of Oct. 3, the average 30-year fixed-rate   loan   was  6.12 percent , compared with 7.49 percent a year ago, according to Freddie Mac. “Given the downward trajectory of rates, refinance activity continues to pick up, creating opportunities for many homeowners to trim their monthly mortgage payment,” said Sam Khater, Freddie Mac’s chief economist. Over time, lowering your mortgage rate can lead to significant savings. But what if you can’t refinance because you don’t qualify or your home is worth less than what y