The Home Improvement Nightmare Who s To Blame and How To Avoid It

Unless you live in a remote part of the country with no television, newspaper or other people to talk to, there is a good chance you have heard or read about a home improvement scam or project gone wrong. It seems to be a fact in this country that when you go about doing a home improvement project you will usually encounter countless problems, delays and shoddy work.

The home improvement experience leaves most people stressed and vowing never to do another project again! So it is not surprising to hear that home improvement complaints rank at the top of consumer complaints nationwide year after year. Where does the blame fall for this epidemic of home improvement problems?

I am proud to say I was a home improvement contractor for almost 30 years and I was fortunate enough to win some of the industry’s highest awards. However, it has never ceased to amaze me the poor home improvement decisions that I have seen so many homeowners make. One of the more notable mistakes I would see done over and over again was when a homeowner would blindly hire someone to do a project because the person was a friend or a friend of a friend. To me this reasoning makes no sense.

Friendship and craftsmanship are not related, but for some reason a lot of people believe other wise. Another great example of homeowner apathy is hiring someone to do a project without ever putting anything in writing. Who in their right mind would ever agree to such a disastrous situation? Another very similar blunder would be for a homeowner to blindly accept an estimate on the back of a business card. Usually the only information that has room on the back of a business card is the PRICE.

A major mistake made by many people doing a home improvement project is letting price dictate the decision on who to hire. More problems occur because homeowners pick the lowest price they can find. Why? It is very simple. You can only produce a high quality project at a certain cost. High quality materials, expert labor, appropriate insurances and a reasonable profit to stay in business, cost a certain amount of money.

If someone can do that same project under that amount, what do you think is going to happen when the job is being done? That’s right, the person or company is going to do anything they can to try and make a profit. All of the possibilities that could result from the person you hired, as the low bidder, trying to make a profit, are simply all BAD for the homeowner. In home improvements you get exactly what you pay for.

Let’s not forget to put some of the blame on people looking to work on your home. Over the years I have seen some of my competitors commit heinous business practices. (Surprise!!) I have seen contractors switch materials to lesser quality without customer approval, use unqualified labor, overcharge homeowners for “unforeseen problems”, try to up sell the customer once the project starts, etc.,etc.,etc…….it makes you wonder if you can trust anyone?

So where does the blame fall for all the home improvement complaints year after year? I guess it would be easy to blame the homeowner for not educating themselves on what to do when attempting a project. However the next question would be where does a homeowner get “educated”? Maybe a better question would be when does a homeowner find the time to get “educated”? Education is a great tool if you have the time to do the research. Most people don’t have the time or want to take the time to do hours and hours of research on how to go about getting a home improvement done correctly.

Oops I almost forgot Uncle Sam. A lot of people, including myself, think the government makes it too easy for someone, who has no ethics or skills, to do home improvement work. Why are there still some states that do not have licensing for people doing home improvements? And in the states that do have licensing, why are some of these states issuing licenses without the applicant needing to demonstrate any type of competence in home improvement work? This is like giving out a driver’s license without taking a road test. Doesn’t make much sense to me.

One last situation to blame, one that I would never forgive myself for not mentioning. Home improvement television shows have become the latest fad in television. You can hardly change television channels without a home improvement program popping up. The influx of home improvement shows on television has been phenomenal. However, most of these shows tend to unrealistically glorify the home improvement project as being easy to do with nothing ever going wrong. The last time I looked, nothing ever goes perfect, including home improvement projects. Little, if any information is mentioned on these shows, about how not to be “taken to the cleaners” when doing a project.

One would have to conclude that there is plenty of blame to go around when it comes to the problems homeowners face when attempting a home improvement project. Unfortunately, most of these problems have been around for many years and if you are expecting a “quick fix”, I think you might be waiting a very long time.

Since I retired from the home improvement industry two (2) years ago I decided it was time to stop worrying about who or what to blame about the constant wave of home improvement complaints (it really seems to be a waste of energy since nothing seems to change) and to put together a way for homeowners to fight back and get the home improvement results that they deserve.

Membership to this club includes The Home Improvement Success System, a complete how-to home improvement system that details all the steps you need to take to make your project a success. The club membership also includes a web forum to ask questions, phone consultations, monthly newsletters, teleseminars, teleclasses and written evaluations of member estimates and contracts.

This club guarantees to short cut the time homeowners need to learn how to complete any home improvement project. You are shown what to do and what to avoid. All the information that you receive from this club you could spend months trying to find, but by joining this club it is at your finger tips 24/7.

To do a home improvement project correctly you need to follow five (5) steps. These steps are:

1. Define your project based on your needs, finances and structural constraints.

2. Determine who can complete the project.

3. Evaluate perspective candidates (including yourself) who you may want to use to complete the project.

4. Prepare a contract that is “thorough” and protects you from poor home improvement situations.

5. Completing certain tasks when the project is being built.

These five steps seem relatively easy to understand but it’s the “particulars” (exactly what to say and do) of each step where most people fall short. Knowing these “particulars” are what makes or breaks your project. Membership to this club will guide you to completing a home improvement project without all the problems and aggravation that most people go through.

If you are interested in protecting your home from the home improvement nightmare, than visit The Home Improvement Success Club of America Website. Joining this club is the next best thing to getting “Home Improvement Insurance”. All Club memberships come with a 30 day money back guarantee.

Home Improvement Loans Transforming Brick and Mortar

There is no courage in living an existence where you are constantly dissatisfied. Accepting your current resident as package you can’t exchange is a myth. On the contrary it is true that not everyone has available money to finance home improvement. Home improvement loans enable every resident to own and construct the house that is home in the real sense of the term.

While looking for Home improvement loans the first thing you concentrate on is interest rates. Borrowers must look for low fixed interest rates. The advertised rates may or may not be low rates for your profile. You will learn that interest rates are a personalized concept. Interest rates for home improvement loans are primarily dependent on whether you offer a security for the loan or not.

Consequently, home improvement loans are either secured or unsecured. Secured entail collateral. On the other hand unsecured home improvement loans get approved without security. Both loan types come with their own set of advantages and disadvantages. Secured loans for home improvement is ideal for raising large amounts (£25,000-£75,000 or above) at low interest rates and flexible terms. Home improvement loans that are secured come with downside of losing your property in case of failure in repayment.

Unsecured home improvement loans will be best for small amounts. There is no obvious downside except that your credit ratings will suffer if you cannot repay. However, the lender can get back his money through legal process which will ultimately put your property under risk. Why get into such complications – just payback the loan!

No matter what you apply for first take account of the cost. Make a list of all the material required for home improvement and their cost. This will help you in assessing the loan amount you should be applying for. The contractor is paid the money for home improvement and then the lender takes to which the borrower makes monthly installments.

It is going to be worth it to spend time in searching for home improvement loans. Your effort will be rewarded in the form of better interest rates and terms. Use considerable time of your search in home improvement loans comparison. You can use home improvement loan calculator to calculate monthly installments. You fill in few of your details, your income, the amount required and there you get a quote which gives the approximate cost of home improvement loans for you. The quote for is free on most of the sites. Your information remains confidential with no obligation to apply. Use APR while comparing loans. This is because annual percentage rate or APR takes into account closing costs, origination points, discount points and insurance. That is ideally the way to compare home improvement loans.

Don’t mistake home improvement loans for long term loans. Try to wind up home improvement loans within 5-10 years. A 30 year mortgage for home improvement is not advisable. However, if you already have a thirty year mortgage then you can make additional payments and achieve the same result. Does that sound confusing? All that is implied here is weigh your options and find the one that suits you.

And in case you did not know there are home improvement loans for bad credit also. Start from your credit report, know your credit score, shop for options and apply for bad credit home improvement loans. Bad credit home improvement loans will have high interest rates; therefore, think realistically about what you can get.

This year £40 billion pounds is expected to be spend on home improvement. These include simple home repairs and large scale remodeling and major restructuring. Chances are you have caught the home improvement bug. If this is so make improvements that pay off. The loans that you have taken for home improvement should target both adding value to your home and comfort. Invest home improvement loans in enabling them to reach achieve the standard of neighbouring homes. Every home improvement that you opt for should have positive impact.

Do the air conditioning system and the shutters and the conservatory look all the more desirable? Then what are you waiting for? This season go for home improvement loans.

Remodel Your Home Take A Home Improvement Loan

Home, a place where you live together with your close and loved ones, may mean the whole world to you. You always wanted to make your home a better place to live, giving all comforts to your family. You can do this just by making improvements in your home, but where to get the funds for it. Home Improvement Loan is the solution to your problem.

Home Improvement Loan is a loan that is granted to borrowers to make changes or improvements in their home. A home improvement loan is good if you don’t want to use your savings or don’t have sufficient savings for the home improvement project.

A Home Improvement Loans can be used to purchase fitted bedroom furniture or to develop unused spaces in your home. You can use Home Improvement Loan for improving your garden such as landscaping. Home Improvement Loan is also available for double-glazing, new conservatory, heating system, new kitchen, rewiring and plumbing or any home remodeling that you can think of. Making improvements in your home helps in improving your lifestyle as well as may add value to your home.

Home Improvement Loan can be classified as secured and unsecured Home Improvement Loan. A Secured Home Improvement Loan is a loan secured by borrower’s collateral such as house, car or bonds. You can borrow any amount between £5,000 to £75,000 A Secured Home Improvement Loan can be repaid at any term between 5 to 25 years depending on income available with you and the amount of equity in the property kept as a security with the lender. You can get Home Improvement Loan up to 125% of property value. A secured loan offers flexible repayment options with low rate of interest.

Unsecured Home Improvement Loan is a loan that requires no collateral to be kept as a security with the lender. The rate of interest on loan is higher as compared to that in secured loan, as there is no security attached to this loan.

You can get a Home Improvement Loan from banks and financial institutions. Now, you can also get a Home Improvement Loan online. You can collect loan quotes from various lenders which is available free of cost. Make a comparison among the various quotes and shortlist the few you find suitable. Try to find out more details about the short listed loan options and choose the one that you find the best. But don’t haste, relax and shop around make some efforts. Your efforts will definitely repay you in future by saving your money.

You can also tie your home improvement loan into the existing mortgage package, which will benefit you with lower rate of interest and help in releasing the money you needed for the home improvement project.

You can get a secured Home Improvement Loan even if you have bad credit rating, poor credit history, CCJs, defaults or arrears. Your bad credit history can’t stop you from making desired improvements in your home. You can avail a bad credit home improvement loan that is designed specially for you.

Home Improvement Loan is the loan granted for making changes or improvements in the home such as new kitchen or decoration. It helps in making your home a better place to live for your whole family. Home Improvement loan may help in add value to your home by the significant improvements you intend to make. When searching for a home improvement loan, Shop around and compare the quotes of various lenders, your these efforts will help you find the best deal.

Home Improvement Loans in UK Manufacturing Home of Your Choice

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How do you see your home? Are you always thinking of ways to make it better? You are heading straight towards home improvement. It is oft-quoted and usually it should be that your home should be a reflection of your own self. Rarely do we get a chance to mould into our own vision. Home improvement loan in UK is that one prospect that furnishes choice and freedom to find that home we started out with.

Millions of home owners in UK undertake home improvement projects every year. With current environment of strong housing demands and historically low interest rates, home improvement loan in UK have experienced incomparable activity. 24% of 2.4 billion loans taken every year, in UK, are for home improvement. Home improvement not only provides comfort and peace but it increases the value of home. Home improvement aid to build equity and achieve financial security.

Home improvement loans for UK homeowners provide maximum flexibility to carry out safety and health repairs. Before taking home improvement loans try to analyze why you want to make home improvement. If you are improving for the purpose of selling in UK, try putting yourself into the homebuyer’s position before making improvements. Home improvement loans will serve their purpose well if you take them for any of the following reason –

o Adding a new room like a bedroom

o Adding or remodeling a bath

o Adding or enclosing a garage

o Improving the kitchen

o Landscaping

o Health and safety repairs

o Electrical and Plumbing

o Roof, gutters, sewer or water lines repairs

Remember a home improvement loan should be taken for improvement rather than repairs. Repairs are for maintenance and would not as a rule add to the value of the home. In fact rather than concentrating on immediate repairs, look at the whole picture. Home improvement loans will be worth it if you have taken care to minimize the problem rather than fixing it. This will avoid a larger expense later on. Home improvement loans in UK will finance your remodeling plan, no matter how you intend to do it – via a contractor or yourself.

While taking home improvement loans, you can take any of the under given options.

o A second mortgage for home improvement enables you to borrow against your home. It will allow you to borrow about 80% of the value of your home minus the original mortgage.

o Home improvement loans via refinancing means taking out a new mortgage. For extensive remodeling, this home improvement loan is not right. To refinance, generally you’ll need to have equity in your home, a solid credit rating and a steady income.

o You can take home equity loans for home improvement. A home equity line of credit, you are not charged interest rates unless you make withdrawals. The interest rates on home equity loans are tax deductible. However, read the terms carefully before you sign. If your home improvement loan is an ‘interest only’, then you pay interest for the term of the loan and the whole amount at the end of the term.

o An unsecured loan for home improvement in UK will be ideal for projects costing £10,000 or less. A lender will evaluate home improvement loans keeping in mind your credit history and income.

All the option which holds your home as security is secured. You can loose your home in case of non repayment.

Home improvement loans like any other loan should not intend to break the bank. Also, do not let the home improvement bug bite you and eventually make you do improvements that do not pay. Choose wisely while improving home and taking money against it. You are looking at your home and thinking “it would be nice if……..” and then suddenly the reality dawns upon you. You start calculating and find that you are short of money. Home improvement loans will bridge the gap.

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK secured loan web site uk finance world