From how-to tips to budgeting
advice, our section covers every
aspect of fall home improvement.
Plus, find helpful advertising and
offers from local home improvement
a special section of
THE HAMPTON CHRONICLE
Page 2 • Section B
Wednesday, October 26, 2011 Fall Home Improvement Hampton
Funding Your Next Improvement
Maintenance is an inevi- known as a second mort- by subtracting the unpaid nomic downturn. There- like they are using a credit spend and need creative fi-
table part of home owner- gage. Homeowners borrow mortgage balance and other fore, homeowners should card linked to their home’s nancing methods to pay off
ship. Beyond routine fixes, money by leveraging the eq- debts on the home from do their homework prior to value. Borrowers are pre- outstanding debt.
many homeowners aspire uity in their homes. Equity the property’s fair market starting any improvements approved for a set amount Using a home equity loan
toward larger projects such is the amount of ownership value. It’s important to note to determine if a home eq- against which they can bor- to make a home improve-
as room expansion or a new value a homeowner has in that some home values de- uity loan is a good idea. row. Monthly payments ment should be done care-
roof or siding. Funding for a property. It is calculated crease during times of eco- There are two main types may vary and the interest fully. Financial experts say
these projects may a loan of home equity loans: A rate is based on the current that the loan should only be
from the bank. fixed-rate loan or a home interest rate, meaning it can taken if the renovation will
A home equity loan or equity line of credit. fluctuate. add value to the home. Cos-
line of credit are common With a fixed-rate loan, a Home equity loans typi- metic changes and personal
ways to pay for home reno- lump sum is provided to the cally offer interest rates that additions, such as a swim-
vations. A home equity loan homeowner, which is then are lower than those linked ming pool, may not justify
can be used for a number of repaid over a set period of to credit cards or offered the cost of the loan.
things, including paying ed- time with a fixed interest with other types of loans. Individuals can talk with
ucation expenses or buying rate that is agreed upon by The interest paid on these a personal savings bank, the
luxury items. Oftentimes, a the lender and the lendee. loans also may be tax-de- company that holds their
homeowner chooses to bor- The payment and interest ductible. Home equity loans mortgage, a credit union, or
row against the equity in the rate remain the same for the are a good choice for re- another financial institution
homes to make improve- life of the loan. sponsible homeowners who to determine if a home eq-
ments that will increase the Home equity loans are common ways to pay for home When homeowners have the means to repay the uity loan is the right choice
value of the property. improvements. choose a home equity line loan. They can be a pitfall in this current market.
A home equity loan is also of credit, or HELOC, it is for borrowers who over-
Eco Stats To Consider
Think it takes a lot to improve the environment? Think again. Here are some facts to ponder that show just how it easy it can be to make a positive impact on the
world in which we live.
* By turning down your central heating thermostat one degree, fuel consumption is cut by as much as 10 percent.
* Replacing all the 75-watt incandescent light bulbs to energy-efficient CFLs and LEDs can reduce carbon dioxide in the air by one ton.
* Insulating the attic reduces energy usage by up to 20 percent in most homes.
* 848 pieces of junk mail are delivered to each household per year in the U.S. Opting for e-mail promotions can help reduce junk mail.
* According to the Enivronmental Protection Agency, in the past 50 years humans have consumed more resources than in all previous history.
The Floor Up!
Looking to start a new Fall Project?
• Redoing an entry • Adding an addition
• Building a new home
We’d love to help!
Mike & Gwen Thornburgh
Over 30 years of sales and installation experience.
M-G Floor Decor
515 Main St., Dumont 641-857-3287
Chronicle Fall Home Improvement Section B • Page 3
Wednesday, October 26, 2011
Home Building News
Concrete Upholds Newest ‘Building Code’ Demands
Building codes are en- ly and others cumulatively, continued. “Built like Lego,
forcing ‘energy efficiency’ year after year. the pre-assembled, inter-
in many parts of the world. “Replacing wood, for ex- locking blocks assure ad-
A legally enforced build- ample, has so many spin off herence to building code
ing code specifies the com- benefits,” says Todd Blyth at requirements; the ICFs
munity’s acceptable level Nudura, the manufacturers require less shipping space
of safety, function, and of an advanced version of and manpower than other
comfort -- and some ju- the insulated concrete form methods; and the construc-
risdictions have mandated (ICF). “By building a house tion time is much faster
a requirement of 35 to 40 with concrete instead of than building with wood.
percent improvement. wood framing you could Busy builders and eager
Many states are also immediately benefit by homeowners benefit equal-
steadily improving their lower energy bills. You’d get ly from this efficiency.”
‘sustainable practises’ with to live in a stronger, more
advancements in insula- comfortable home, build How It Works
tion, air infiltration, and equity for resale value, and The forms are designed
window daylighting. Of throughout your lifetime, with monolithic concrete
equal value, the construc- make a significant contri- sandwiched between two
tion industry is now pro- bution to the good health continuous layers of ex-
ducing materials and meth- of the planet.” panded polystyrene (EPS)
ods that are even more The Nudura system is foam. ment. This faster method of vides greater safety, offers
efficient than mandated. So highly rated due to its abili- “The foam material iso- construction creates a solid greater sound resistance --
if you’re building or reno- ty to deliver both energy ef- lates the concrete and sig- concrete wall. and would be far less prone
vating, be sure to follow the ficiency and occupant com- nificantly reduces the flow “As a result, you will need to mould, cold spots and
guidelines in your munici- fort, this Nudura system for of heat through the wall,” less energy for mechanical
drafts. Insulated concrete
pal building code. building concrete walls is Blyth explained. “It stabiliz- heating and cooling, deliv-
A savvy homeowner in high demand across the es the internal temperature ering cost savings through- forms (www.nudura.com)
today knows that eco-re- United States and Canada. from day to night fluctua- out the year. A home built are an option, so be sure to
sponsibility pays dividends, “Builders receive work- tions and provides a largely with this concrete system discuss this method with
some of them pretty quick- place benefits too,” Blyth self-regulating environ- stands to be stronger, pro- your builder.
Family owned - locally operated.
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416 Central Ave. W., Hampton 606 Washington Ave., Iowa Falls
Hours: Monday-Friday 8-8
Hours: Monday-Friday 8-6
641-892-4022 or 800-401-9361
Saturday 8-6, Sunday 9-5 Saturday 8-5, Sunday 12-4
Page 4 • Section B
Wednesday, October 26, 2011 Fall Home Improvement Hampton
Embracing Color on Your Home
The growing trend of homeowners are taking “With the realization that style. They are seeking out
homeowners staying in steps to express their per- they’re going to be stay- both a noticeable change
their existing houses lon- sonalities by adding color ing in their current houses and an improvement from
ger due to economic chal- to everything from their longer comes the commit- existing products on the
lenges has had a colorful roofs to their entry doors ment by people to truly home. The ability to add a
effect on homes. People to their window frames. personalize their homes. creative element, personal
are taking the opportu- “Today’s homeowners are This has resulted in eye- touch or signature color
nity to personalize their looking beyond variations catching neighborhoods. tends to ‘bond’ home-
homes more with color- of whites and beiges to set “As homeowners replace owners even more closely
ful exterior accents and off the key accent points major components of their with their living spaces.”
they’re not stopping with of their homes, such as homes they place greater According to Smith, one
just a splash of paint. louvers, trim and window value on finding prod- of the hottest trends for
According to national frames,” says Smith, presi- ucts with a long life span, exterior enhancements is
color expert Kate Smith, dent of Sensational Colors. lower maintenance and to select vinyl windows
with exterior color frames Brick red vinyl window frames provide the perfect accent
that complement the color on this home.
INSTANT REBATES UP TO $1,400 ON QUALIFYING EQUIPMENT overall look of the home. green, bronze, driftwood dows so homeowners can
She cites the Decorum by and chocolate that per- build with color confi-
Save 25% with a Simonton product line as dence right from the start.
fectly match up with the
Spring & Fall “1st Call Plan” one that offers everything earthy colors homeowners “A window is like a two-
Maintenance Inspection $9000 consumers are looking for gravitate to for their home sided canvas,” says Smith.
-- color, energy efficiency, exteriors. These same col- “The colors on the frame
style and low maintenance. ors can be drawn out fur- exteriors enhance the
“With their minds on ther on trim elements of home’s overall appear-
sustainability and their the home along with be- ance from the street. And
eye on good design, many ing component colors of then when you get inside
ALDEN & IOWA FALLS homeowners are investing the roof and entry door.” and select stylish wood-
in color as a way to express Along with offering col- grain frame interiors and
641-648-6549 themselves and reinvent premium hardware fin-
orful exteriors on their re-
their current homes,” says placement window frame ishes, you’re adding beau-
214 S. River Street • Iowa Falls Smith. “Simonton offers ty to the room settings.
exteriors, Simonton also
Serving Franklin, Hardin, Butler, Wright, Hamilton and Grundy Counties. exterior window frame offers the same colors on That’s a ‘win-win’ experi-
colors of brick red, pine new construction win- ence for any homeowner.”
Craighton DUMONT HARKEN LUMBER Since 1980
We do it all!!!
❏ New Homes
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* Locally owned & operated * For Your Agricultural, Residential or Commercial Needs
* Owners directly involved Contact Denny & the staff for FREE consultation.
in all projects * We can help, from the Computer Design to the Finished Product.
* 12 years of projects * New Home Construction - Remodeling
Kitchens - Doors - Windows - Siding
* 38 years of combined experience * Garages - Farm Shops - Fences - Animal Buildings
Call us today Do-It Yourselfers Welcome
Builders available for installed services.
641-456-5259 Main Street, Dumont Phone (641) 857-3842
Chronicle Fall Home Improvement Section B • Page 5
Wednesday, October 26, 2011
The Hidden Cost of Convenience
With so many different if just as a secondary TV in ies power all of our portable efficient and costs less over self-discharge (meaning that favorite portable devices. We
devices deemed necessary the bedroom, it still may be devices, and without them, time. Rechargeable battery it holds its charge for a long know rechargeable batteries
these days, people often are consuming more energy than we are powerless to use them technology has improved in period of time), they are more are convenient for our cell
unaware of the amount of you think. A study done by -- quite literally. Standard the last five years that gets appealing and more cost-ef- phones, music players and
energy used and the costs as- Cornell University found that alkaline batteries may last a rid of many of the ques- fective than ever before. If they readers, but we don’t usu-
sociated with keeping these tions of using rechargeables. are able to meet the demands ally stop to think about them
devices running. While there One example of these bat- of our remotes and alarm for other everyday items.
has been a lot of discussion teries is the ‘eneloop,’ a pre- clocks, the only thing that When we become aware of
on “vampire” devices, elec- charged rechargeable battery holds us back is either not ac- hidden costs and how they
tronics that continue to con- that you can use out of the knowledging the hidden costs affect our pocketbooks over
sumer power even when in package and recharge up to associated with our portable time, we become smarter con-
the stand-by position, it seems 1,500 times, made by SANYO. power needs or our lack of sumers and realize that a little
that many other everyday hid- It also keeps its charge, up to awareness of the new technol- up front investment can often
den costs are overlooked. 85 percent after two years of ogy that could save us money mean less money paid out over
Take a refrigerator that non-use. Because the eneloop in the long run and lower the time, saving us more money
was purchased ten or more is ready to use and has low total cost of ownership of our to buy the things we want.
years ago. It may still be run-
ning today just as strong,
and appear that is does not
need replacing. But did you 27 years! banking experience
know that the refrigerator
technology has improved en- Rates are low! Reﬁnance now!
ergy efficiency features and a similar size LCD monitor long time, but we constantly • Home loans
offer better performing mo- compared to a CRT moni- need a supply of them on • Home equity loans
tors to help save electricity? tor used nearly 69 percent hand and they can be expen- • Home equity lines of credit
According to the California less energy (25 watts (LCD) sive. When you stop to add
Energy Commission (www. vs. 80 watts (CRT)), includ- up how many AA or AAA Charlie Willms is your home loan expert.
consumerenergycenter.org), ing 40 percent less when in batteries a standard home Call him today at
older refrigerators could stand-by mode. With the uses (all those remote con- 641-456-2559 or 800-749-6209
be costing you up to $280 a energy difference in mind, trols, wireless keyboards,
year in electricity. A newer, it might be the last evidence mice and game controllers,
more efficient model could you need to justify buying not to mention the loud toys
pay for itself in a year or two. a new TV for the bedroom. for the little ones), the hidden
Similarly, if you have an A more everyday example cost of replacement batter-
older television with the clas- that might not be considered ies can surprise you. Luckily,
sic cathode-ray tube in it, even as often is batteries. Batter- there’s a solution that’s more 100 1st St. NW • Hampton, Iowa 50441 • www.hamptonstate.com Member FDIC
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Page 6 • Section B
Wednesday, October 26, 2011 Fall Home Improvement Hampton
Simple ways to reduce home heating costs
The return of winter leaky win- clean- In fact, the on-board com-
weather marks the return of dows and i n g . puter continuously moni-
many things, including win- doorways Prod- tors boiler performance
ter coats, mornings spent are destined u c t s while employing a predic-
shoveling snow and, for to produce like the tive control to ensure con-
many homeowners, higher high home Green- sistent and reliable boiler
utility bills. heating bills. wood operation, helping home-
Home heating costs have Cold air Fron- owners rest easy that their
a long history of being the that enters t i e r boiler is working smarter to
enemy of homeowners who the home Series save them money all winter
want to keep their homes through Wo o d long.
warm in the winter. Over such leaks, Gasifi- “I could be completely off
the course of a typical win- creates drafts cation of gas or oil if I want to be”
ter, homeowners can expect that is costly Boiler says homeowner Ken D.
to spend as much as $2,000 as the home- are spe- from Michigan. “I could be
to keep their families warm, owner turns cifically totally wood sufficient. I de-
and unfortunately, there’s up the ther- d e - creased my heating bill from
no guarantee those costs mostat to signed $500/month to $30/month.”
won’t increase this winter. get rid of the w i t h * Take advantage of re-
Fortunately, there are sev- chill. Before families bates and tax credits. Keep
Homeowners can take steps to drastically reduce their home heating costs this winter.
eral ways homeowners can winter ar- in mind your eyes open, as there
easily reduce home heating rives, seal any once did, requiring more energy costs. to im- are many state, federal and
costs no matter how harsh existing drafts around win- energy and fuel to get the * Consider renewable en- prove heat efficiency to save utility company programs
the weather becomes this dows and doors, using caulk job done; causing a spike in ergy heating appliances. homeowners money. and tax incentives which of-
winter. or weather-proof tape. More utility costs along the way. Today’s solar and biomass/ Helping homeowners trim fer homeowners incentives
* Address those leaks be- information about discov- However, today’s Energy wood heating appliances are more than 70 percent from to install a programmable
fore it’s too late. Fall is an ering and fixing air leaks is Star appliances are required a far cry from those available their home heating costs, thermostat, a renewable
ideal time to get around available at www.greenwoo- to have a high performance as recently as three years the Greenwood Frontier heating appliance or to up-
to all those pesky home dusa.com/leak. with up to 15 percent great- ago. These products may Series boiler converts up to grade an existing appliance.
improvements you didn’t * Replace old appliances. er energy efficiency than offer automated operation 89 percent of the energy in More information is avail-
have a chance to get to this Older appliances might not their predecessors, signifi- with wood pellets or other wood fuel to warm, usable able at www.GreenwoodU-
summer. If not addressed, work as efficiently as they cantly reducing your home convenient features like self- heat throughout the home. SA.com
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Chronicle Fall Home Improvement Section B • Page 7
Wednesday, October 26, 2011
Cut Costs On Your Next Home Improvement Project
With the economy still improvement projects are contractors should submit
on the mend, homeowners best left to the profession- competitive offers and be
must monitor their spend- als. However, much of the flexible. Flexibility might
ing carefully. Such frugal- cost of such projects goes come with a few conditions,
ity is necessary across the toward labor, including such as more time to com-
board, even when it comes preparation before the proj- plete the project, but those
to home improvement. ect and cleanup once it’s fin- conditions might be worth
While it’s important not ished. When interviewing it if it means saving money.
to cut too many corners
when it comes to home im-
provement projects, there
contractors, ask if there is
any prep work you can do
to reduce labor costs and
* Make sacrifices in other
areas. Safety and quality
should always trump cost
from dreams to reality …
are ways homeowners can if there’s a way to handle when it comes to home
save money without sacri- cleanup yourself. Cleanup improvement projects. If
ficing safety and quality. might be somewhat tricky, there aren’t too many ways
* Scale things down. A as certain materials might to save money on a given
full-scale kitchen remodel need to be disposed of in project, make sacrifices in
might be a dream project, accordance to local laws. other areas and factor those
but homeowners wary of But prep work might be eas- sacrifices into the budget
committing too much mon- ily handled by homeowners for the project. Instead of
ey to a project might want and garner substantial sav- a summer vacation at a re-
to consider a smaller scale ings. sort, visit a nearby hotspot
project. For example, in- * Shop around. In the cur- that provides the same R&R
stead of revamping the en- rent market, homeowners but for a fraction of the cost
tire kitchen, address a single looking to make improve- of a more expensive resort.
part of the kitchen, such as ments must recognize the Such sacrifices don’t have to
replacing vinyl flooring or market benefits them. Shop be permanent, but they can
refacing the cabinets. Such around for a contractor and help weather the financial
projects don’t require the get some competitive of- storm until the project is
financial commitment of a fers. While it’s not always successfully completed.
full-scale remodel but can best to choose the contrac-
give the kitchen a whole tor who submits the lowest
new look. estimate, the nature of the Call us at
* Chip in. Many home current market suggests all 456-2585!
From Ceiling to Floor and a whole lot more.
Come Check Out Our
Lighting Center with
Design Professional Darlene Crabb
1631 4th St. SW • Willowbrook Mall • Mason City, Iowa
641-423-2721 • www.ﬂoortoceiling.com
Kevin Craighton - owner
Licensed & Insured
Residential, Ag & Commercial
Installation & Repair
New Home Wiring • Remodeling
Grain Bins & Dryers
Trenching and Boom Truck Service.
Phone 641-892-8038 Cell 641-425-2606
Page 8 • Section B
Wednesday, October 26, 2011 Fall Home Improvement Hampton
Your Complete Kitchen & Laundry Appliance Center
•Refrigerators • Stoves • Microwaves • Freezers
• Dishwashers • Washers • Dryers
Parts and Service For Most Brands of Appliances.
Your Home Entertainment Center!
Lance & Lindsay
If we don’t have it, we can order it!
Traeger Grills, Electrolux Vacuums & Comfort Furnaces
14 - 1st St. NW, Hampton 456-2503 Financing available with qualified credit.
Mon.-Fri. 9 a.m. to 6 p.m. Sat. 9 a.m. to 3 p.m. Free Delivery - Service after the sale!
Insulation Sale Saturday, October 29- Saturday, November 12
B uy& * Unfaced • Kraft Faced
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Shop your locally owned & operated building supply store.
Mon.-Fri. 7:30-5 • Sat. 8:00-12:30
456-4711 or 800-595-4711
801 4th St. SE • Hampton