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Know that the economy has recovered from the housing market crash of 2008, homeowners are once again turning their attentions to home remodeling. A home remodel can be quite an expense and while it’s a pretty sound investment, it can be difficult to decide how best to pay for it. Of course, the least expensive and simplest option is to save up and pay for the remodel out-of-pocket. That way you don’t pay any interest. But most homeowners can’t afford such a large expense without financing. So if paying out-of-pocket isn’t an option, here are three other financing options.
HELOC or second mortgage
A home equity line of credit or second mortgage is a popular way to finance a home remodel. Both use the equity that you have in your home as collateral. Since these are secured loans, you can get a lower interest rate than you could with other financing options. Depending on the amount of equity you have in your home, this could allow you to borrow a significant amount of money to finance a larger remodeling project at a lower cost. Of course, the downside to financing a remodel in this way is that it puts your house on the line. If you can’t repay the loan for any reason, the bank can foreclose on your home. If you don’t have
Credit cards are an unsecured loan option which means you’re not risking your home by using this financing option. Credit cards are a good option if you don’t have enough equity in your home or if you just don’t want to risk your home. A downside to credit cards is that there’s a higher cost with borrowing this way. If you can take advantage of a zero interest introductory rate, you can borrow at no cost so long as you pay them off in full before the introductory rate has passed. But if you don’t, you’ll pay the interest dating back to when you made the purchases.
A personal loan is another way to borrow without putting your house at risk. If you’ve got a great credit score you can borrow more money at a lower interest rate than you could with credit cards so it’s ideal for a larger project. Credit unions will typically give you a lower interest rate than banks though some banks will offer a comparable rate if you have an existing bank account with them. Online lenders are a third option that can offer even better terms on a personal loan.
The U.S. Department of Housing and Urban Development authorizes lenders to make home remodeling loans of up to $25,000 and you don’t need to have equity in your home to qualify. The interest is higher on these loans than a typical secured loan against your home equity but may be cheaper than a personal loan. The government will sometimes assist you in financing projects that make your home more energy efficient as well.
Source: Nerd Wallet
Are your old baseboard heaters worn and becoming an eyesore? It may be time to upgrade your home with decorative baseboard heater covers.
Measure the height from the floor to the top of the metal wall plate.
Follow our guide for baseboard heater cover measurement:
Any baseboard larger than 7 3/8" (188 mm) will be compatible with our standard cover.
Any measurement greater than 9 3/8" (238 mm) will fit our tall cover.
Measure from the bottom of the finned tube heating element to the top of the metal wall plate,
A measurement of 5 1/2" to 6 3/4" (140 mm – 172 mm) will fit our standard cover.
A measurement of 7 1/2" to 8 3/4" (191 mm – 222 mm) will fit our tall cover.
Measure the distance from the wall or the metal wall plate attached to the wall, to the outside of the finned tube heating element.
Any measurement of less than 3 1/8" (76 mm) inches from the wall will fit our
Any measurement of less than 3 1/8" (76 mm) inches from the wall will fit our tall cover.
EZ Snap™ Wall Widgets are used when your old or existing wall back plate has been removed or if you have to hang your new cover 1 inch or higher to bring them up to a height that will fit our installation guidelines. Just measure your overall desired height, subtract 1", drill a hole, preferably in a stud and attach it to the wall with the included screw.
EZ Snap™ Floor Fidgets easily raise your new covers ¾ inch to compensate for any ¾ inch floor (wood, tile, or other) that has been installed any time since your baseboard heater was originally installed. May be used for any reason when the overall height has been shortened and the total height is less than 7-½ inches for standard height or 9-½ inches for the TALL height EZ Snap™ BaseBoard Covers. Just use the self-tapping screws to secure them to the top of your existing wallplate.
EZ Snap™ Wall Contraptions are used when your wall back plate has been completely removed. EZ Snap™ Wall Contraptions receives your EZ Snap™ BaseBoard Cover and keeps your aluminum fin tube from sagging. These completely replace your wall back plate. To install, slide up from the bottom and make sure the top is at your desired height. Screw to the wall, then bend the front finger up to hold the fin tube in place.
Measure from wall to wall and subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 2 flush to wall end caps.
Measure the overall length of the existing unit with ends attached then subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 2 Closed or Open-end caps.
Measure from the corner to the end of the unit with ends attached then subtract ½ inch (to allow for wiggle room when installing your new covers.) The endcaps can be pulled or slid ½ inch outward on either end to fit your existing length requirements. Choose 1 Closed or Open-end & 1 flush to wall end cap.
Measure the left side from corner A to corner B (see diagram). Then subtract 3 inches for the 90 degree inside corner, then subtract another ½ inch (to allow for wiggle room when installing your new covers.) Repeat for the right side if also wall to wall. You need to subtract a total of 3½ inches from each side that is wall to wall. Choose your end caps.
Measure the left side from the corner of the wall to the end of the unit with ends caps. Then subtract 3 inches for the 90 degree inside corner, then subtract another ½ inch (to allow for wiggle room when installing your new covers.) Repeat for the right side. You need to subtract a total of 3½ inches from both left and right sides. Choose your end caps.
L-Shaped outside radiators ending in the middle of the wall:
Measure from outside corner of the wall A to the end of the radiator unit with end caps attached B, then subtract ½" (to allow for wiggle room when installing your new covers.)
Measure from outside corner of the wall to the corner of the wall, then subtract 1/2" (to allow for wiggle room when installing your new covers.)
Left leg - measure from the corner out to the end of the radiator subtract 3" for the corner and ½ (to allow for wiggle room when installing your new covers.)
Center leg - measure from corner to corner and subtract 3" for each corner a total of 6"
Right leg - measure from the corner out to the end of the radiator subtract 3" for the corner and ½" (to allow for wiggle room when installing your new covers.).
We recommend that you order covers a little longer than normal and cut them on site, as there are many opportunities for mistakes in measuring and installation. By cutting on site you can fit and cut to fit. The covers can be cut with a good quality jigsaw and a fine metal cutting blade.
Now that you’ve learned how to measure baseboard heaters,
you’re ready to order.