Sprign Home Improvement 2012 with Interior Decorating

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Spring Home Improvement 2012 special section with bonus section of Interior Decorating

Transcript of Sprign Home Improvement 2012 with Interior Decorating

  • April 19, 2012







    Quality isnt

    Expensive, its Priceless

    Remodeling, Additions, & New Construction

    Let Our Team Build Your Dream! Call us today to schedule an appointment

    203-272-4323Kitchens and Baths byA Matter of Style

    icci Construction Group



    Member FDIC | Equal Housing Lender

    Contact your Farmington Bank home loan specialist today:860-284-6574 | farmingtonbankct.com/homeloans

    *Offer applies to new Home Equity Lines of Credit on owner-occupied primary residences within the state of Connecticut and is effective as of February 7, 2012 and is subject to change at any time without notice. The 2.50% APR is variable based on the Prime Rate as published in The Wall Street Journal (3.25% as of February 7, 2012) minus 0.50% plus an additional 0.25% rate discount when you arrange to have payments made automatically through ACH from your Farmington Bank personal checking account. If you cancel the auto pay during the life of the loan, the APR will revert back to Prime minus 0.50%. Without automatic payments from a Farmington Bank personal checking account, the APR would be 2.75% variable based on the Prime Rate minus 0.50% as stated above. The APR may vary and your minimum payment may increase or decrease. You can obtain credit advances for nine (9) years and ten (10) months during the draw period and make monthly interest payments (and principal if you wish). After the draw period ends, you will no longer be able to obtain credit advances and you must pay the outstanding balance, in monthly installments of principal and interest over the next twenty (20) years (the repayment period). The APR can never go below 0% with a maximum of 18%. A $50 annual fee applies. A prepayment penalty of $500 will be imposed on all new accounts cancelled within 24 months of origination. There are no application fees on line amounts of $10,000 -$500,000. For amounts over $500,000, an appraisal is required and a fee applies. The minimum loan amount is $10,000. Maximum Combined Loan To Value (CLTV) is 80%. Property insurance and flood insurance, if applicable, are required to be maintained for the life of the loan. Loan is subject to credit approval. Please consult your tax advisor regarding the deductibility of interest.


    Prime minus % for the life of the line with auto pay from your Farmington Bank checking account each month, or prime minus % (currently 2.75% APR) without checking.*

    refinance an existing credit line make home improvements use for future needs

    Home Equity Line of Credit no rate floor* no teaser rate no closing costs or application fees* interest may be tax deductible

    If you can find a lower rate - Take It!

    Cant wait any longer to make some much needed changes in your home? You are not alone. Americans are once again getting ready to be-gin the home improvement pro-cess. This pent-up energy often begins in the kitchen, a room that gets a lot of wear and tear but also seems to go out of fash-ion more quickly these days.

    This time around, you will be more cautious like many con-sumers are with their choices and costs ... and yet you want to make observable changes.

    The most obvious change is installing a new countertop. Re-

    member that countertops repre-sent 30 percent of the color in any kitchen. Create new excite-ment by simply replacing your tired, scratched or stained coun-ter surface with one made from the latest generation of premium laminate.

    The good news is a fashion-able look is available without the high cost of stone or the constant maintenance that stone requires. Unlike granite, the sur-faces of these new laminates are non-porous and never need to be sealed.

    These lighter, less patterned laminate designs are perfect for

    todays hectic lifestyle. In fact, the new cost-ef cient counter-top can be installed within a few hours and without disrupt-ing family life. They also give an existing kitchen the promise of a whole new look thats uni-versally appealing. That equals a big change for small change.

    All of these new designs are available in a new surface effect of a lower matte-gloss sheen that seems almost glazed. The glaze texture is actually a layering of matte features over a glaze of semi-gloss. This creates a timeworn result that is less re ective and more re-strained. Its a perfect balance for the sophisticated dramatic materials that are part of todays kitchen: stainless steel, chrome, copper, and even glass.

    Here are some other remodel-ing ideas that will have high im-pact without high expense:

    Replace your old refrigerator with an energy-ef cient model. Look in the big box stores for oor models or even those with a little dent on the side, which will never be seen.

    Refresh your cabinets with a coat of paint, and change all the cabinet hardware in the process. This makes everything look new.

    Swap out your old ceiling light xture and install under cabinet lighting as well. A little light can make a dramatic dif-ference.

    Change your sink when add-ing a laminate countertop.

    Give Remodeling The Go-ahead With Easy, Economical Solutions

    Easy-to-do updates of countertops, appliances, sinks, lighting x-tures, or cabinet hardware can give any kitchen a facelift without the price tag of a complete remodel.








    101 Waterbury RoadProspect, CT


    HOURS: Mon-Fri 8 am-5 pm, Thur 8 am-6pm, Sat 8 am-3 pm, Closed Sundays

    Pick Up & Delivery AvailableWarranty Work

    Complete Sales& Small EngineRepair Service

    We Service

    all Makes

    & Models



    Insert on 4/28, 5/13, 5/27, 6/9,

    203-272-2826 Cheshire


    CARUSOSRemodeling Service

    50 Years Experience No Job Too Small

    RAY CARUSO NATE PERAGALLOAll types of Remodeling and Repairs

    Fully Insured (203) 464-2999Lic #HIC0614555 Dedicated to Customer Service

    Maintain Healthy Soil For A Lush Lawn And Bountiful Gardens

    A lush lawn and garden is a part of many a home owners dream home. A lawn that emanates green and a garden thats home to suc-culent vegetables is desirable to homeowners everywhere.

    Of course, such lawns and gardens take time and effort, and a host of factors will de-termine if a lawn and gar-den is something a ho-meowner can be proud of. One such factor is soil health. Healthy soil helps deliver food and water to plants, allowing them to thrive and add aesthetic appeal to homes. To maintain healthy soil, homeowners should con-sider the following tips.

    Get the soil tested. When addressing soil health, its best to rst get the soil tested. A soil test will show which type of soil you have as well as its make-up and structure, and just how good or bad it currently is. Such tests can also reveal if the soil is missing any essential nutrients. Some soil tests can be conduct-ed by novice green-thumbers, while others are best left to the local agricultural bureau. These

    tests are a good investment, as they will remove the guess-work from fertilizing. Without a soil test, many homeown-ers end up overdoing it when fertilizing, which can prove a costly mistake. Take a soil sample a few months before you plan to plant or landscape to give yourself enough time

    to apply test rec-


    Avoid wet soil.

    W h e n soil is wet, dont walk or drive over it and keep the kids out of the yard. When wet soil is walked on or driven over, the soil gets packed down, pushing out air and making it more dif -

    cult, and sometimes impossible, for water to pass through the soil. That makes it hard for roots to grow. Gardeners who plan to plant this season should wait for the soil to dry before planting.

    Keep soil well-drained. Well-drained soil will dry fast and enable oxygen to reach the root zone, helping build stron-ger roots as a result. Plants with strong roots are more likely to survive severe weather.

    Use compost. Compost can prove very bene cial to soil health. Organic compost is typi-cally loaded with nutrients that, upon maturity, feed the soil and promote soil health. Biodegrad-able items like grass clippings, leaves, and even food waste like apple cores can strengthen the compost. And worms, which

    break down compost quickly and add nutrients, are a valuable addition to organic compost.

    Dont bash bacteria. Bac-teria is often seen as a formi-dable foe, but some bacteria can actually promote healthy soil. Bacteria decompose plant mat-ter, releasing the nutritive value into the soil, and can also break down chemical pesticides. So while bacteria is bad more often than its bene cial, some bacte-ria are quite useful, particularly when it comes to healthy soil.

    Dont be scared off by slime. Like bacteria, slime has a bad reputation. However, veteran gardeners understand that reputation isnt warranted. Slime mold is ugly, and many new gardeners see it and in-stantly assume its bad for their

    gardens. However, slime molds are good for the soil, helping break down dead wood and leaves. They might not add aes-thetic appeal, but slime molds do serve a practical and im-portant purpose in maintaining healthy soil.

    Remember that some pests can be an ally to healthy soil. Some ga