HouseHunt Insider
In This Issue
* Seasonal Suggestion
* Making the Holidays Greener
* Preventing Foreclosure
* Critters, Keep Out!
* Make What You Already Have Fab: Hire a Redesigner
* Avoid Mortgage Mayhem
* Monthly Survey
* Past Issues: November, October, September, August
Monthly Quote

“The worst gift is a fruitcake. There is only one fruitcake in the entire world, and people keep sending it to each other.”

- Johnny Carson, American entertainer, (1925-2005)

Tip of the Month

Part of the fun of the holidays is the spectacle: the glittering lights, the colorful gifts, the thoughtful cards. Whatever holiday you celebrate, make your home more festive with these easy tips:

Hanukkah: Combine cobalt blue items with silver to make every aspect of your home ready for the festival of lights. If you’re hosting a meal, purchase cobalt blue stemware, which is great for company. An elegant cobalt vase filled with white roses or silver balls or stones makes a lasting impression. You can place it between a pair of silver candlesticks or in front of a sunny window to create a stunning look.

Christmas: You don’t have to cover your home in lights, snowmen and garlands to jazz up your holiday. A few simple decorations can transform your home from normal to Christmassy!

• Purchase and hang some stockings – this item instantly says “Christmas”!

• Hang a wreath. Available in countless stores and in styles that range from traditional to kitschy to swanky, a wreath welcomes guests into your holiday home.

• Play some Christmas music. Although not a decoration, playing a little “Jingle Bells” and “White Christmas” gets everyone in the holiday mood.

• Dim your lights and light some candles. Easier to set up and take down than lights, candles are elegant and festive. You can choose between a variety of colors, but you should go with a theme, such as red and green or silver and gold. You can also throw in one or two strongly scented candles to add the smells of the holidays to your home, such as baking cookies or freshly cut Christmas trees.

• Pick up a few poinsettias. Another instant way to give your home some holiday pick-me-up! Place a few in prominent places, such as at the foot of a staircase or in the corners of your dining room.

Kwanzaa: There are a few key items that you shouldn’t be without when celebrating Kwanzaa: a mkeka (a place mat usually woven of straw or raffia), a kinara (candleholder), mishumaa saba (seven candles – one black, three green, three red), mazao (fruits and vegetables representing crops), vibunzi (one ear of corn for each child in the household) and a kikombe cha umoja (communal unity cup). Once you have these items, decorating for the Kwanzaa celebration is easy. If you celebrate Thanksgiving and/or Christmas, you can recycle many items you would use for those holidays. From Thanksgiving, you can re-use many of the harvest-themed items, such as ears of corn, squash and gourds (just make sure you omit the cornucopia, since it is a Western tradition). Since red and green are also colors of the African flag, you can purchase solid-color items to use for both holidays, such as napkins, table runners, placemats and candles. To decorate your Kwanzaa table, first put a red or green tablecloth on the table to protect your wood surface. Center the mkeka on top of that as either a table runner or a square table topper. Place a kinara as your centerpiece, with the black candle in the middle, the three red candles on the left and the three green candles on the right (you can also alternate candles if you wish). Place baskets and wooden bowls of fruit and vegetables around the kinara and arrange your ears of corn around the bowls and baskets. From there, you can get creative, whether it’s hanging the African flag in the room or some African-themed posters.

Source: Holiday Decorating for Dummies by Kelley Taylor, Wiley Publishing, Inc., 2003.

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Make What You Already Have Fab: Hire a Redesigner

You don’t need to replace all of your furniture and purchase a bunch of artwork to breathe new life into your home. Simply hire a redesigner. These professionals can turn what you already have into something fabulous!

When they wish to give their home a new look or freshen things up, many homeowners immediately reach for their wallets to buy new furniture, new décor or even to fund a renovation. Spend a few hours with a professional redesigner, however, and you may save thousands of dollars by using what you already have, says a recent article from Wall Street Journal Online. “Before you spend a dime on anything new, I say let’s do the very best with what you have,” says Marie Kinnaman, a San Diego County-based redesigner with 15 years of experience. “Sometimes then you just buy a lamp or an end table or nothing at all.”

Redesigners can work with common decorating challenges such as off-center fireplaces, odd collectibles and cavernous ceilings. Trained redesigners have an eye for mixing and matching items from different areas of your home, grouping accessories and hanging artwork for impact and rotating the display of accessories. “I love the idea of recycling and reusing,” explains Kinnaman. “People just grow tired of their things. You can give a new feeling to a room just by rearranging what you have and it turns out, what you have isn’t so bad at all.”

Many homeowners start to feel frustrated when they move into a new home with a different layout than their old home and have trouble arranging their possessions. Other challenges include the blending of two households, the division of a household and a move from a larger home to a smaller home or condo. If you feel stymied by your home’s layout or are bored by the same old stuff, day after day, it may be time to hire a professional.

Redesigners can charge by the hour, day or job, so you should ask beforehand how your expert wants to be paid. You should also ask for an estimate of the cost and the length of the project, as both can vary depending on your home and whether your redesigner brings in a team or works alone. Hourly rates for redesigners vary by region, but tend to average just below $100; team efforts for moving furniture can cost closer to a couple of hundred per hour but should take a shorter period of time.

Rochester, Minn.-based redesigner Cindy Hughes says that you should plan on a minimum of three hours for most full room makeovers. Some may take more than a day, although some redesigners offer shorter appointments for beginning consultations, such as color advice, tricks for editing your possessions and furniture-buying strategies. Kinnaman explains that real savings can be had when homeowners avoid buying the wrong furniture for the space. You may be able to reupholster your existing sofa rather than purchasing an expensive sectional, for instance.

Before hiring a redesigner, you should be familiar with the extent of services offered. Redesigners do not typically paint and may or may not do minor construction, such as hanging shelves. Not all redesigners will move heavy furniture or collectibles, so if you have items like this, you may have to hire a moving company or do it yourself based on the redesigner’s recommendations. Another limitation may be reconfiguring electronics, since your original settings are tailored to your preferences.

Mindy Miles Greenburg, owner of Encore Décor in New York, recommends giving your redesigner access to your entire home, storage spaces included. “I go in the garage. I look under beds and tables; it’s flea-market shopping in one’s home,” she explains. This can help break up the showroom and catalog looks that homeowners often have and bring in more personalization.

Some redesigners may prefer you to leave for the entire day while they have free rein in your home. Others may be fine if you hang around and may even ask you to contribute. If you do choose to hang around or even shadow the redesigner, make sure to trust his or her opinion. If one room looks empty, trust that the redesigner will balance it all out in the end. If you leave for the day, your redesigner may add simple touches such as fresh flowers or new accessories, and he or she may leave you a list of things to buy that could further enhance your home.

Remember when hiring a redesigner to be open-minded. It can be difficult to open up your home and your most prized possessions to an outsider who may make difficult recommendations. Redesigners tend to limit the risk of unacceptable redesigns ahead of time by conducting extensive client interviews. The redesigner should understand how you live and what your tastes are. And since they are working with your existing possessions, your preferences and tastes should still be apparent when the project is completed.

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