Marybeth Heckler | Blog | Allied Mortgage Group - Page 29 of 30

Planning Out the Perfect Garden

Written by Marybeth Heckler on April 18, 2019. Posted in Home Improvement, Homeowner.

April is designated as National Garden Month and if you’ve ever considered starting a garden in your backyard, now is the perfect time to do it. But, if you’re worried that you may not have the green thumb needed to keep it alive, then don’t panic.

Check out these steps you can take to plan your garden ahead of time:

Do some research—The United States is composed of various climates, all of which are good for growing specific vegetables at specific times. Use this website to calculate which growing zone you live in and which vegetables should be grown and at what time of the year. This will help you figure out what you should begin with when it comes to growing a garden.
Test your soil—If you have never done this before, it’s a good idea to have your soil tested to see if there will be any issues with growing and to get suggestions on the best plants to grow. You can do a variety of tests on your own, but I’d suggest collecting a sample and taking it either to your local farm agency or a nursery and having them professionally test it. Then, you can order your seeds for the plants you plan to grow.
Map your garden—Measure out exactly how much of your yard you can dedicate to a garden and then map it out using graph paper. You should also determine exactly what you plan to grow and how much space you are going to need for it. (For instance, are you going to just grow one type of vegetable, such as carrots, or do you want to plant a mixture of different types?)
Create a calendar—Once you know the plants you’re going to grow, determine how much growing time you’ll need for each type to reach maturity, how much sunlight they will need, and how much watering and care you need to provide them. Then, create a calendar for your garden so you know exactly when you should water them, when you should perform maintenance on them, and when you should be ready to harvest them.
Till your soil and plant—Once you have it all planned out, go ahead and till your soil and begin planting your seeds. Be sure to follow your calendar when it comes to planting, but also follow it in terms of care and harvesting.

Once you get your garden planned out, it’s just a matter of following your calendar and making adjustments depending on weather and other conditions. When you get this started, you can experience the joy of harvesting your own vegetables at home.

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Getting in Touch with Your Inner Interior Designer

Written by Marybeth Heckler on April 11, 2019. Posted in Home Improvement, Homeowner.

If you’re many people, you probably spend a lot of time watching shows on HGTV or TLC like Trading Spaces, Fixer Upper, or Property Brothers. These shows have almost single-handedly rejuvenated the interior design and remodeling craze. But most of us don’t have the option to hire Chip and Joanna Gaines to design our homes for us.

So this month, let’s look at some tips and tricks that will let you get in touch with your inner interior designer so that you can make some major changes to your home.

Do some research (and dreaming)—One of the best things to generate ideas for your home is to start doing a lot of research. The good news is that this is easier than ever. Social media sites like Pinterest and Instagram have an abundance of pictures and infographics that can help give you ideas about how to easily transform your house. You can also check out design magazines and websites online.
Pick your colors—Now that you have some ideas about what you want your room to look like, you should pick out your color scheme. Go for a rule of three. The first color will be a neutral or understated color that will serve as the main color for the room’s walls. Then, have a second, complementary color that will be a bit bolder and will serve as the color “pop” with your furniture or possibly an accent wall. Finally, the third color should be another bold color that coordinates well with the second. This will be the color for your accessories such as pillows.
Get bold—When it comes to furniture, you don’t want to have a lot of little furniture pieces that are going to make your room look cluttered. Instead, choose one bold piece of furniture like a sofa that you can build the rest of the room around.
Use your words—One of the biggest trends in the last few years that can really add a personal touch to a room is a message. Many people are using “word art” pieces to express a simple theme in the room like “love” or “family.” Others are using wall appliques of messages that present a personal philosophy as a kind of designer mantra for your home.

These are just some of the ideas that will help you begin creating your own interior design style. The important thing to remember is that you should go with what speaks to you. There are all kinds of theories about how to properly decorate a home. But what really matters is going with what makes you feel comfortable and happy.

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Popular Home Colors in 2019

Written by Marybeth Heckler on April 4, 2019. Posted in Home Improvement, Homeowner.

One of the hardest parts of designing interiors is choosing the right colors that will define the space. And for moms, it’s particularly difficult because hubby is usually not much help with picking out colors. (You’d be amazed how many women have brought home paint samples and then complained that their husbands can’t tell the difference between four very distinct shades of blue or white. It all looks the same to them!)

When it comes to picking colors, everyone seems to have an opinion. Let’s look at some of the hottest colors of the year:

Coral—According to Pantone, the official color of the year is living coral. Coral works well with more muted and understated tones. It may not be for everyone, especially in large doses. However, this bold color definitely catches your eye and invites you in. For those who don’t want to make such a bold choice, you can instead use this as a choice for the trim or an accent color with furniture or accessories. If you want something to brighten it up and give you a more optimistic feel, this is the color for you.
Hunter Green—According to interior design influencer Becky Shea, hunter green is one of the top colors of the year. This is a great choice for those who don’t want shockingly bold colors and instead want something darker and more subdued and serious. According to Becky, one of the great things about this is how it “works beautifully with natural elements and neutral tones.” But this one is also a positive color because there is no feeling of gender definition. Hunter Green works well as a gender-neutral color for almost any room.
Hazelnut—If you want something in a different vein from the previous two, you can’t go wrong with varying shades of hazelnut. This creamy color choice has been popular for years and probably won’t go out of style anytime soon. Hazelnut is homey and comforting and, depending on the shade you choose, can also seem to make smaller spaces feel larger. Another feature that makes hazelnut great is its ability to work with almost any furniture color palette. There’s no need to worry about buying a new living room suite to match the paint.

What’s important in choosing a color for your home is simply finding something that speaks to you. By doing this, you can find something that you will be happy and comfortable with for years to come.

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Tips for Jumping into the Spring Homebuying Season

Written by Marybeth Heckler on March 28, 2019. Posted in Real Estate.

If you know anything about the home real estate market, then you know that spring is the biggest season for home buying. Buyers have been cooped up in their old homes all winter and are looking to move while sellers have had the same time frame to get their homes ready for sale.

But, if you’re looking to get into the homebuying market, then there are a few tips you should take care of before you start shopping.

Make a list—Before you talk with a real estate agent, you should write out all of the must-haves that you want in a house. How many bedrooms and bathrooms will you need? Is there a specific location that you want? All of these will help narrow down the agent’s search so you don’t waste your time looking at houses that won’t work for you.
Get your credit in line—A good FICO credit score is essential to buying a home. Let’s just say, hypothetically, you are buying a $300,000 home. A mortgage at 4.14% will run you a total of about $520,000. But if your credit is bad and your interest rate comes out to 5.73%, that same home will cost you about $630,000. That means that bad credit will make the same home cost you over $100,000 more than it would if you had good credit.
Save as much as you can—One of the biggest problems with buying a home is that you have to keep a lot of cash on hand for down payments and emergencies. The more you put down, the better your interest rate and monthly payments will be. But you should also have at least 1-2 months of income set into savings for a potential emergency, such as a major home repair.
Get preapproved—Because Spring is such a huge time for buying a home, you are going to be competing with a lot of other buyers that will be looking at the same prime properties. To make yourself look better to the sellers, you should arrive with a pre-approval from a local lender. These will generally carry more weight than a pre-approved loan from an online lender. You need to do everything that you can to make yourself look appealing to the seller.
Be ready to negotiate—It isn’t enough to just make an offer, cross your fingers, and pray. In a competitive market, you will probably have to pay list price and not be able to haggle down on the price. But, you can still negotiate other areas like extended home warranties and closing costs. This can save you some money without asking too much that might wind up killing the deal.

This spring, thousands of homes, both old and new, will be placed on the market. If you want to jump into this “selling frenzy” then you need to get your finances in order and be ready to negotiate in order to be successful.

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When Should You Start Your Home Remodel?

Written by Marybeth Heckler on March 21, 2019. Posted in Homeowner, Remodeling.

Spring has always been a popular time to go on a major cleaning spree around the house. But what if you want to do more than just have a spring cleaning? When is the best time to do a major remodel of your home or property? Well, there is actually a system that can be followed.

Let’s look at the best season for each type of remodel so that you can make your plans for the coming year.

First Quarter (January to March)—Even though it can be numbingly cold during this time of year, the good news is that unless you live in a place that gets extreme snow, you will generally have good, solid ground that is relatively dry, as opposed to the spring when the rains come in.

Because of these conditions, it’s a good time to do additions on the house, such as a new sunroom or that man cave he’s always wanted. If you are adding a new room to the house, you can get the exterior work and frame done and then move on to doing the inside when the weather gets rainy in April.

This is also a good time to schedule a remodel because most construction companies don’t do a lot of work during this time. Since this is the “off season,” you can usually get a good deal from the company that is looking for some downtime work.

Second Quarter (April to June)—The weather is getting rainy and warmer, but this is also the #1 time of the year to build a new home. Because of this, construction companies and supplies will probably cost you a lot more. If you do want to do a spring remodel, consider a porch or patio since the ground will have thawed out enough to dig out the area.

Third Quarter (July to September)—The hottest time of the year means that your remodels need to move indoors to take advantage of your home’s air conditioning. Because of this, you will do well to complete an inside renovation such as a bathroom or kitchen remodel.

If you do need to do something outdoors, most construction companies will focus on roofing jobs because of the relatively dry weather and the higher temperatures which are needed to properly seal roofing tiles.

Fourth Quarter (October to December)—This is the right time for smaller remodel projects, like maybe a new shower or a minor tweak in your den or kitchen. Most people don’t want to completely tear out the whole house for a major renovation during the holidays, so construction companies are used to these types of smaller jobs.

There’s a perfect time for everything—from when to buy a new car to when to plant a flower garden. Remodels are no different and once you get the standard calendar down, you can begin to map out your renovations that will make the most sense for your home and budget.

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Family Fun Ideas for St. Patrick’s Day

Written by Marybeth Heckler on March 14, 2019. Posted in Holidays.

St. Patrick’s Day is right around the corner and even if your family isn’t Irish, you can still have some fun celebrating this event. Unfortunately, many of the celebrations set up in local communities may be centered around green beer and may not be very family friendly. If you have kids, here are some family activities you can do on your own to help get out your green and celebrate.

Parade—Most kids love parades and the St. Patrick’s Day parades in most major cities can be a huge production with marching bands, floats, and Irish musicians. If you live near a place that is scheduling a parade, be sure to check it out.
Treasure Hunt—You can get a jump-start on your Easter Egg Hunt practice with a St. Patrick’s Day themed treasure hunt. Head out to the yard and hide gold coins from your leprechaun’s pot of gold. Then turn the kids loose and let them track them down. As a bonus, you can hide something special as the big prize for the lucky child who finds it.
Holiday Cookies—Baking together is always a great idea. You can make easy “leprechaun gold” cookies by baking sugar cookies and adding a little yellow food coloring for the right gold tint. If you want to get creative, switch it up for green food coloring and get some shamrock shaped cookie cutters to make a variety of cookie types.
Craft Bracelets—If you own a rainbow loom or something similar, you can spend the day making green friendship bracelets to give out on St. Patrick’s Day at school or daycare.
Do some Research—Fun…research? Actually, yes. You don’t have to be Irish to spend this day talking to your kids about your family heritage. This is the perfect time to do a little online research about your family’s origins. And who knows—maybe you can trace some of your ancestors back to the “Emerald Island” itself.
Movie Night—How about a themed movie night to wrap things up? It’s a bit of a lost classic, but Disney’s 1959 Darby O’Gill and the Little People is a great family classic about Irishman outsmarting a group of leprechauns. Adults can also be on the lookout for a very young Sean Connery is this film that is based on a beloved children’s book. If you get a chance, you can even tuck the kids in with an Irish folk tale as a bedtime story.

St. Patrick’s Day is a great opportunity to have some fun with your family. Take some time to do an activity or two this year with your children to celebrate this special day.

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Why Moms Should Take Time to Be Creative

Written by Marybeth Heckler on March 7, 2019. Posted in Holidays, Motherhood.

If you spend any time on social media, you can often be in for a very humbling experience.

Many moms look at their peers on Facebook and Instagram and marvel at the creative work that they can accomplish while the rest of us are still trying to get a latte to jumpstart our mornings. But it doesn’t have to be that way, nor should it be that way.

March is International Ideas Month and March 8^th is International Women’s Day. Let’s celebrate both of these events together with a look at why moms should take the time to be creative.

The need for inspiration—One of the difficulties of being a mom is that you often feel like you are stuck in a world of little kids with no time for yourself or adult conversations. (There’re only so many times you can sing “The Wheels on the Bus” before you snap!)

By expressing yourself creatively, you can get back in touch with a side of yourself that you may have thought went away when you gave birth. If you feel like your creativity has been pushed to the backburner, then spend a day reconnecting with your creative side. Visit a museum or take a walk alone in the park. Send the kids off with the grandparents and spend the day listening to old music or writing poetry. Whatever inspires you and moves you emotionally is a great choice.

Take a class—You may be delighted to discover that there are many resources in the community for expressing yourself. If you live in an area with a small community college, you may want to take a class in photography, art, creative writing, or even cooking. (Anyone who has watched an episode of Chopped can attest that food can be a great way to be creative.)

But you don’t have to set aside that much time for your creative side. Have a girls’ night out at your local “wine and art” shop in order to get together with others, have a glass or two of vino, and then paint something that you can take home and put on the wall.

Beat the baby blues—Postpartum depression is a very real thing that affects thousands of women each year. But one way to fight any type of depression is with creativity and expression. Even if it is nothing more than keeping a journal of your thoughts, you are enabling yourself to express your ideas. This can help keep you sane when the challenges of motherhood start crowding in.

This March, spend some time caring for yourself for a change and learn how to express your creative side. If you get in touch with this key area of your life, you will find your mood elevated and your home life much better.

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Why Moms Love Living in Denver

Written by Marybeth Heckler on February 28, 2019. Posted in Denver, Motherhood.

Denver is a popular city that’s been growing steadily for about a decade. Ask any Denver mom, and they’re guaranteed to tell you it’s a great city for fun family activities, indoors or out.

But Denver’s also a great place for spoiling yourself and spending some “me time” to rejuvenate the body and spirit. Here are some of the best spots in Denver for moms who need a little self-care this month:

5 Star Salt Caves — If you want a day spa experience unlike any other, then check out this man-made “salt” cave. The entire center surrounds the cave, which is made of Himalayan salt. Here, you can relax in a quiet environment and breathe in the salt-infused air – which is said to improve sinuses and breathing. In addition to salt therapy, the spa also features other traditional therapies such as saunas, massages, and footbaths.
Upstairs Circus – Although this is better enjoyed with friends, it’s also a place you can come on your own to relax and get crafty. You can pay one fee for a variety of daily craft options and then design and craft all kinds of things including homemade jewelry and paintings as well as projects for the house such as key racks and serving trays.
Movie Night – You don’t have to go see the latest blockbuster or yet another Disney cartoon. The Alamo Drafthouse in Littleton features special presentations of older movies in an unusual setting. One of their regular Signature Series features is an older, elegant movie such as Little Women or Sense & Sensibility, and you can skip the popcorn and enjoy high tea and biscuits or finger sandwiches. Or get the girls together for a night out dancing at the movies. Recent Dance Party nights have featured Brittney Spears and the Backstreet Boys for some flashback hits.
BookBar – If you prefer a small, independent bookstore with real books rather than those big box stores or eBook readers, then you should check out this combination bookstore and wine bar. You can listen to a poetry reading, meet an author and get an autograph, or pick up a new book and curl up with a nice glass of wine.

Denver is a great city to explore and relax in. But for moms especially, it is filled with activities and opportunities that provide a break from the kids.

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Getting the Most Out of Your Local Library (Library Lovers’ Month)

Written by Marybeth Heckler on February 21, 2019. Posted in Holidays.

February is designated as Library Lovers’ Month to encourage people to visit and support their local public and school libraries. Too often, it seems, people think of a library as one thing — a repository for books. But there’s a lot more happening at your local library than you may know about!

Let’s take a look at some of those materials and activities you can take advantage of this month (and for the rest of the year).

Go Digital—If you’re a book-lover, then obviously a library seems like heaven on Earth. But even the best library can’t house everything. That’s why many libraries are now offering digital book services such as Overdrive for your tablets and e-readers, including the iPad, Kindle, and Nook. These services allow you to download eBooks, audiobooks, and even graphic novels and videos straight to your mobile device so that you can read them at home or on the go.
Ditch the Paid Online Services—Another service offered by most libraries is a great array of audio-visual materials. Are you tired of what’s on Netflix or Hulu? Then check out the library and browse its selection of DVDs. Along with the standard blockbusters, there’s usually some obscure foreign films as well as many classics. Are you getting tired of paying for Spotify or Audible? Libraries also offer audiobooks as well as CDs or albums that you can check out and take home.
Get Social—Many people think of the library as a place where you can’t talk or, if you do, not above a whisper. But the library is actually a great place to become socially active. Most libraries offer different kinds of social gatherings, including story time for kids (also known as break-time for moms) as well as other events such as film screenings and more. They may even have meeting rooms available for rent if you need one for your business or social group.
Get Financial Assistance—The library can also save you money! How, you ask? Well first, they offer tax information for free and allow you to print out tax forms and complete them at the library. Many libraries also offer free tax returns for Senior Citizens and for those who need assistance with the EZ forms. Libraries can also help you earn money by holding programs such as job fairs and career counseling.

If you aren’t sure what programs are available at your library, then take a visit today. Talk to a librarian! They aren’t the stodgy “No Talking!” stereotypes of old. Much more often, librarians are happy to help you learn more about their programs and offerings.

Great Valentine’s Day Date Ideas

Written by Marybeth Heckler on February 14, 2019. Posted in Holidays.

It may be a Valentine’s Day cliché, but I’m guessing there aren’t many of us ladies who don’t love an entire holiday built around chocolate and roses, right? But the holiday can also create a bit of stress, especially on guys, to make sure they get all the “details” right.

We all know about the overpriced candlelight dinners that are supposed to be the epitome of romance. But that isn’t the only type of Valentine’s Day date that you can have. Here are some options that can be just as romantic and fun as anything else you may have done before:

Couple’s Spa Day—If you really want to focus on taking care of yourself and your partner this Valentine’s Day, then you might want to consider a couple’s spa day. Before the guys start crowing and complaining, there are plenty of men who enjoy getting a pedicure. If that idea doesn’t fly, there are other options such as a couple’s massage. Imagine how stress-free you will be after getting an hour-long massage with your partner while in a calm and relaxing environment.
Get Crafty—Remember how you used to make a homemade gift for your parents for Valentine’s Day? Now you can do something together that lets you make something for your loved one. One of the biggest trends today is art studios that offer classes, usually with a nice glass of wine or two to loosen you up artistically. It started with painting classes, but now you can do everything from candle making to pottery throwing. And if you do take a pottery class together, you can always try to recreate that famous Patrick Swayze-Demi Moore pottery scene from Ghost.
Skeeball—I’m not sure if you ever had the joy of buying a stuffed animal with tickets from a skeeball game. Relive some of that this Valentine’s Day by heading out to an adult arcade. (There are several chains out there nationally with Dave and Buster’s being one of the most popular.) Go out for a night of cheesy video games and skeeball and when the night is over, cash in your game tickets for a small Valentine’s present.
Go stargazing—Here’s another pop culture date idea—if you remember Ross and Rachel’s first big date on Friends, he took her to the planetarium at the museum. If you live close to a planetarium, go for a stargazing date. Many planetariums also offer laser light shows set to music which can be a mini-rock concert with some of the most beautiful images in outer space.

This year, you don’t have to do the same old thing for Valentine’s Day. With a little bit of creativity, you can make this year not just romantic but also fun.