(NewsUSA) - (NewsUSA)

Farmhouse-style interiors have been popular for the last few years and the look remains as sought after as ever. There are enough iterations of the style (modern, industrial, French, rustic, and more) to suit most tastes. Signature elements include open shelving, shiplap, apron sinks, and a preference for natural, honest materials-stone, metal, and above all wood, new and reclaimed. "When it comes to farm-style decor, most of us think of the kitchen first," says Linda Jovanovich, of the American Hardwood Information Center. "But it can work equally well in bedrooms, living areas, even bathrooms. Incorporating natural hardwood into the design is a great way to achieve the look without going overboard into kitsch." Here are six inspiring uses of the perennial style.

1. A warm contemporary farmhouse kitchen

Photograph by Caitlin Murray

A large apron sink in cream-color cast concrete sets up a warm and sophisticated country tone in this Portland, Oregon kitchen by Emerick Architects. The island's black-walnut-slab top is complemented by open shelving and undercounter cabinetry in honey-stained maple, gray quartz counters, stainless-steel appliances, and a handmade ceramic-tile backsplash.

2. Corral-inspired stair railings and balustrades

Photograph by Spacecrafting

Rift-sawn white oak with a custom whitewash stain forms the handrails and posts of the main staircase in a Stillwater, Minnesota house by Home Design by Annie. An elegant reinterpretation of the traditional wooden-rail fences found throughout rural America, the stair gets a high-tech twist in the form of stainless-steel guard wires.

3. A characterful rustic kitchen

Photograph by Scott DW Smith

Charming rusticity is the name of the game in this Hesperus, Colorado kitchen remodel by Veritas Fine Homes. Existing beams and columns and a new oak floor-all in a dark finish-are joined by knotty-alder cabinetry and floating shelves stained a similar color to the island's honey-tone maple butcher-block top.

4. A cool western ranch-style bedroom

Photograph by Rikki Snyder

As this bedroom in Sag Harbor, New York designed by Timothy Godbold shows, the classic look of Southwestern ranches-pared down and sun scorched-adapts well to a modern interior. The aesthetic is evoked with minimalist means: simple bone-white accessories set against an expanse of white-oak boards that clad the walls like barn siding. 

5. The industrial-farmhouse look in a loft

Photograph by Manolo Langis

Reclaimed hardwood is a beautiful, sustainable material that can be used in a farmhouse-style kitchen to create a sense of warmth, age, and texture. In this Santa Monica, California loft conversion, SUBU Design Architecture juxtaposes recycled wood with plumbing pipes and similar machine-age elements that nod to the building's industrial heritage.

6. Open-shelf wet bar with a rural-art vibe

Photograph by Rikki Snyder

Timothy Godbold conjures another variant of that farmhouse staple, open shelving, with this wet bar cunningly tucked under the open stairs in a North Haven, New York residence. Stocked neatly with interesting glassware and bottles, the floating slabs of white oak and the gray honed-granite countertop become an art installation in their own right. Visit www.hardwoodinfo.com for more about farmhouse style with American hardwoods.

(NewsUSA) - (NewsUSA) -Right now, moving may be a little challenging as property value has gone up tremendously and the number of homes on the market is low. The next best option is to remodel and expand your home office, home gym, or add a patio for outdoor gatherings.

If you own your home and have a mortgage, a cash-out refinancing option may be an easy way to have the money to tackle your home improvement project. Since interest rates are still quite low now may be a good time to tap into your home's equity. Many homeowners may not realize that cash-out refinancing can help fund these projects. A cash-out refinance is not a second mortgage. It is borrowing against the equity in your home or money you have already paid towards your mortgage. A cash-out refinance will require that you refinance your home most likely at a lower rate. The new loan amount will be slightly more than the remaining balance of your home because it will include the amount of cash you take out for you or your family.

Cash-out refinancing is beneficial because it can increase monthly cash flow and allow you to make good use of the funds you take out, according to Freedom Mortgage, one of the nation's full-service mortgage lending company and a leader in FHA and VA loans according to Inside Mortgage Finance, 2020.

The benefits of cash-out refinancing aren't limited to home improvements. Funds from a cash-out refinancing also can be used to pay for a college education or to consolidate high-interest debts at a lower interest rate. Homeowners can typically borrow up to 80% of the value of their homes without paying the private mortgage insurance (PMI) required by some lending situations. That means if you have more than 20% equity in your home, you can use that equity to get cash now.

To help homeowners explore their options and determine how much cash they can obtain, Freedom Mortgage offers a free cash-out refinancing calculator that enables the user to determine what makes sense and the amount of their new monthly payment.

For more information, visit https://www.freedommortgage.com/cash-out-refinance.

(NewsUSA) - The COVID-19 pandemic and historically low mortgage interest rates have caused a flurry of home buying across the United States. Families are searching for more flexible work or learning spaces, larger homes and spacious yards for cooped up kids.

For those just getting started, an Arizona-based real estate rewards and referral network company, RBN (Real Buyer Network), offers homebuyers added value to their purchase through its relationship with American Express.

Here's how it works: Homebuyers use an RBN participating agent for their home purchase and they can earn American Express Membership Rewards® points up to the purchase price of the home.

Larry and Myra of North Carolina recently earned more than 500,000 reward points with RBN. "We enrolled with RBN and were put in touch with Thomas Wohl, Broker, Realtor and it's probably the best decision we ever made. Thomas was not just interested in us buying a house, but rather we bought the RIGHT house for us." The home purchase itself follows the traditional real estate process of cash or mortgage financing.

Founder Kipp Lassetter says, before prospective homebuyers get started, before touring any homes, before interviewing any other agents or doing anything in the home buying process, they need to visit RBN's site.

"Choose from the most qualified participating agents, buy their home through the traditional real estate process and earn rewards. Using an RBN participating agent is a no-brainer."

Lassetter was inspired to found RBN after his own home buying experience, in which he struggled to find a real estate agent with expertise in local neighborhoods and a willingness to go the extra mile on service and support.

RBN fills this niche by partnering with the best local agents and rewarding homebuyers for selecting these agents.

"Each participating agent endures a rigorous vetting process that includes a one-on-one interview and review of sales performance," Lassetter says.

Home purchasers have already earned millions of rewards points using RBN participating real estate agents. If you don't have an existing American Express account, don't worry. The RBN virtual wallet tracks and maintains your points until you connect to an eligible account.

Visit joinrbn.com for more information and to connect with an RBN participating real estate agent in your area.

(TVA) - If your mental image of a robot in the home is limited to Rosie from the Jetsons, it's time to change your perspective.

Small, efficient robots from the innovative home robot company Trifo offer a new take on home help, with an artificial intelligence twist.

"Our vision is to create a family of home robots that takes care of the home so people can live better and focus on what's important," according to the company. The Trifo robots are designed to focus on the indoor home environment. Each is equipped with an artificial intelligence system that has sensing, perception and decision-making capabilities. Trifo robots are able to continuously adapt to their environments using advanced AI technology.

Lucy Ultra Edition, the flagship product of the Trifo line, is a compact, round robot that comes packed with features to make your life easier. Some of Lucy's standout features include:

- Dual vision. Not quite x-ray vision, but Lucy's 1080P HDR color camera combines with a Time-of-Flight depth camera that creates a colorful 3-D map of your home in Lucy's brain; this helps navigate even in low-light conditions.

- Obstacle avoidance. Lucy easily avoids the annoyance of getting stuck or trapped by household objects; unique visual and depth perception keep her clear of objects as short as one inch.

- Home protection day and night. Lucy provides full-time home protection with day and night vision. Privacy concerns? Data from your home is stored and processed in the robot herself, not in the cloud or on servers.

- Smart work. Lucy's adaptive technology allows her to learn her surroundings, following routes that adapt to the environment while avoiding off-limits zones, and alert you to unusual motions in the house when you aren't at home. Lucy is compatible with Amazon Alexa and Google Assistant, so you can integrate her with other smart home features. Lucy's intelligence evolves over time, so she makes your life even easier the more you use her.

- Deluxe cleaning. Lucy vacuums, but she mops, too, with a dustbin/water tank combination that sends an alert when the water level gets low.

- Pet sitting. If you have a furry friend at home, Lucy takes the angst out of cleaning up pet hair and larger dirt from muddy paws. A built-in air freshener is a bonus that helps keep pet odors at bay. Also, check out the interactive laser toy to keep your pet entertained.

Visit trifolucy.com for more information about the potential of advanced AI robots for home use.

(NewsUSA) - A third of U.S. Governors have recognized window film as a cost-effective solution to reducing energy costs in homes, protecting skin and home decor from the sun's damaging UV rays, and enhanced window glass safety. The International Window Film Association (IWFA) is sharing recent proclamations kindly made by those governors on its website.

"Consumers and government officials are zeroing in on window films as a cost-effective energy saving solution designed to reduce high utility bills and carbon emissions and they can be installed at about one-tenth the cost of a re-placement window and offer similar performance ratings," explains Darrell Smith, executive director of the IWFA.

Window films, which may be installed in a day or less without significant disruption, are widely seen to save about five to 10 percent of a building's total energy bill. Many window films, which are all permanently adhered to the glass, are also designed to block 40 to 60 percent of room heat being lost through glass during the heating season while still reducing air conditioning costs by 30 percent during the cooling season.

According to the U.S. Department of Energy (DOE), cooling and heating account for more than half of the energy use in a typical U.S. home, making it the largest energy expense for most homes. The DOE also points out that roughly 40 percent of unwanted heat that builds up in a home comes in through windows and that windows also account for up to 50 percent of a building's energy loss.

Consumer awareness of the energy saving benefit of window film has increased nearly 50 percent in eight years, from 54 percent of Americans in 2014 being aware that window film can help control interior temperatures, to 79 percent of homeowners this year being aware that window film may improve the energy saving performance of their existing windows today.

While window films differ in how they perform based on how they are manufactured, they can reduce solar heat gain in your home by as much as 80 percent. This means fewer if any hot spots, more even interior room temperatures and less power consumption so your air conditioning system may keep up with the sun's heat.

This benefit is especially noticeable when the sun is at it's peak energy transmittance during the day, which is when utility companies have to produce more power to meet the increased peak demand from both homeowners and businesses. Find window film at www.iwfa.com

(NewsUSA) - Summer 2022 promises to be particularly challenging as it relates to America's home energy costs due to a confluence of three events - rising temperatures, costs and demand - resulting in homeowners facing an intensified fight to keep bills at bay.

The Farmer's Almanac predicts a "Sizzling Summer Ahead" stating this summer weather is going to be remembered as a hot one nationwide. Second, homeowners are experiencing a "rate shock" as the global energy crisis drives up prices with energy costs up 25.6% year over year, according to the Consumer Price Index. Third, there is surging demand due to our post-pandemic "hybrid home" dynamic. Studies support this trend with 83% of workers believing a hybrid model would be optimal going forward, according to an Accenture survey, and 87% of managers believing working from home is the future, according to Remote-How research.

The good news is that families can offset this "Utility Bill Trifecta" by following a few simple tips. With home heating and cooling accounting for nearly half of home energy use, small steps can go a long way.

* Ease Into Electric: According to Columbia University's Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill. Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.

* Get "Smart" About Climate Control: When it comes to smart home temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Wi-Fi and can be controlled directly without additional equipment. Smart Home Thermostats create "smart" systems by enabling remote temperature control via a mobile or Internet-con-nected device or voice-operated home automation system.

* Voice Your Preference: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, like Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely, allows homeowners to be more comfortable and improve energy savings.

* Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don't spend a lot of time. This will multiply savings as you're not only needing less cooling but you also gain from a more efficient system in the spaces you do still use.

* Try Low-tech Fixes: Simple changes can have a big impact. Try to use heat-producing appliances -- stoves, irons and dryers -- at night or early morning. Switch to LED light bulbs instead of incandescent bulbs - which consume 90% more power. Seal air leaks around windows, doors, and places where pipes and wires come through walls. Check existing caulking and weather-stripping for gaps or cracks.

Curbing energy bill costs can be more than just a summer dream. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government. To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.

(NewsUSA) - A real estate brokerage paying you for the honor of handling the sale of your house?

It's true -- and maybe just the latest sign of how sizzling hot the real estate market is.

In fact, under the innovative Homeowner Benefit Program, you don't even have to be ready to sell now -- or even in the near future -- to immediately receive a check that typically runs between $800 to $3,000. You just have to agree that MV Realty, which launched the program in late 2018 and continues to expand it across the nation, will broker the sale for you if and when you are ready.

"It's a win-win situation," says Amanda Zachman, the founder of MV Realty, which has the highest 5.0 rating on the real estate website Zillow.com. "The homeowner gets money now and ongoing access to a high-quality real estate brokerage that believes real estate is more than just some one-time transactional deal. And we get a future client."

Intrigued? Then before we even get into the details, consider this month's headline from Fortune.com that should warm the heart of every potential home seller: "It's the Mother of All Seller's Markets."

Meaning, the two key factors that made 2021 a record-shattering year, with cities like Miami witnessing home prices soaring by as much as 32.5 percent, both remain in play:

* A tight inventory.

* Demand so rampant -- including from investors paying cash -- that, as CNBC reported, "houses are selling on average 10 days faster than they were a year ago" when all you heard about was people fleeing big cities because of COVID.

"On top of all that," notes Zachman, "what we're now seeing are many buyers looking to lock in still relatively low mortgage rates in anticipation of the Federal Reserve raising interest rates multiple times this year."

Headquartered in Delray Beach, Fla., MV Realty now offers the Homeowner Benefit Program through its licensed agents in 33 states (Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New York, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Utah, Tennessee, Texas, Virginia, Washington and Wisconsin).

What makes the program so extraordinary is that homeowners get to keep the money from the brokerage, which is based on the estimated value of their home, even if they never choose to sell.

That's money that can be used for anything they want. Home renovations. A much-needed vacation. One homeowner was able to host their 5-year-old's dream birthday party at Disneyworld.

Meanwhile, homeowners get the benefit of a top-rated real estate brokerage's expertise, including information delivered on everything from current market trends to a personalized home analysis.

And if they do choose to sell? That's when the full-service MV Realty really jumps into action by using its highly structured proprietary process of listing and valuing a home. And -- here's the key -- maximizing said home's marketability by using its multiple resources to promote it both nationally and internationally complete with professionally taken photographs. A sale earns the brokerage the competitive local commission rate.

"With the market the way it is, now is one of the best times ever to sell," says Zachman

(NewsUSA) - Take a look around your home. Does your dining table show signs of wear and tear? Is your work-from-home setup not getting the job done? Does your bedroom furniture look a little shabby and not quite chic? If you're nodding your head in agreement, then it might be time to upgrade. And there's no better investment than Real American Hardwood™ furniture crafted from a stylish wood like cypress.

Make an Entry
Is your home in need of an entryway drop zone? A console table may be just what you need to transform unused wall space into practical storage and décor. And if you value durability, woodworker Capers L. Cauthen of Landrum Tables in Charleston, South Carolina, says cypress is your best bet.

"I don't just offer cypress furniture, I recommend it," he adds. "It's naturally durable. I use a lot of river-recovered cypress in my work, and I tell my clients that any wood that can last 400 or more years on the bottom of a river or swamp is something you can bank on."

Choose a Centerpiece
Picking out a coffee table can be a big decision. It's the resting spot for remotes, drinks, greasy pizza boxes, and tired feet. So, look for one that's built to withstand spills and scratches.

"With proper care, solid wood like cypress will last forever," Cauthen says. "And it can be repaired, refinished, and brought back to life many times over. On the other hand, run-of-the-mill pieces made out of MDF (medium-density fiberboard) or particle board aren't built for long-term use. Their surface has one life, and if it gets damaged, the whole thing will need to be replaced."

Experience Fine Dining
Family dinner time shouldn't be interrupted by creaks and wobbles. That's why buying a quality table is a smart choice.

"There is truly no comparison," says woodworker Angel Komazec of The French Address in Slidell, Louisiana. "Solid, handmade furniture is just built differently than pieces created in a factory. The labor and love that goes into building our wooden tables is what sets them apart."

And her wood of choice is cypress. "Its texture and grain never disappoint, and the way it accepts stain leaves us in awe every time. Witnessing someone see their custom cypress table for the first time is a blessing. We have been told countless times that our pieces will be passed down, and that is an amazing feeling!"

Get Down to Business
Is it time to move your "home office" from the dining room to a dedicated space? Then invest in a desk that'll keep you organized and on task-and look good doing it.

Matthew Latiolais, owner and craftsman at Cajun Salvage Company in Lafayette, Louisiana, says cypress slab desks are all the rage.

"Cypress is prevalent in our area, and it's more economical and easier to work with than some other species," he adds. "We use a lot of reclaimed material. It's a pretty wood and its natural color offers the lighter tones that are popular in home décor. And when you apply a durable poly finish, it'll be well protected for everyday use."

Catch Some Zzzs
Did you know the average person spends 26 years sleeping during their lifetime? It's true, and a well-made bedframe is as important as your mattress when it comes to getting better rest. 

"Having a quality bedframe matters," says Kelly Seibels, owner of Seibels Cottage in Birmingham, Alabama. "And that's why we pride ourselves in our craftsmanship. Our frames are custom made by hand, and we pay close attention to the details to ensure every piece meets a high standard.

"Aesthetics are another consideration and that's why we choose to work with cypress. It's a beautiful, stable wood with straight grain and very few if any knots. I love its natural color and the way it takes stain or any finish. Cypress simply stands out."

For more stylish furniture finds to refresh your home's decor, visit CypressInfo.org.

(NewsUSA) - Current members of our nation's military, as well as veterans, can take advantage of their VA benefits when buying a home, but it is important for potential homebuyers to understand the terms of these loans.

Freedom Mortgage, the premier VA lender in the United States, offers tips and advice for service members and veterans to ensure a successful homebuying experience.

1. Have some cash on hand. Although a VA loan requires no down payment, sellers may not cover closing costs in today's competitive real estate market, so it is best to budget for some funds when you schedule your closing.

Closing costs can range from 3% to 5% of the home price. This includes the VA funding fee, which can be as high as 3.6% of the loan amount, although the VA funding fee is waived for Purple Heart recipients and disabled veterans.

2. Have proof of income. Proof of income is required for a VA loan, so active service members will need to have a job lined up after discharge.

Also, obtain a loan pre-approval letter (rather than a pre-qualification letter), which will show that your credit and income have been professionally reviewed and that you are a qualified buyer.

3. Have options. Shop around and compare a VA loan to other loan options to see which is a better deal for you. Most importantly, don't overextend yourself and buy a more expensive home than you can currently afford.

If the rate is relatively low and you are comfortable making the monthly payments, you have a good deal.

4. Have good credit. Visit annualcreditreport.com, a legitimate website used by the three major consumer credit reporting agencies and get a free credit report.

The median credit score is a little above 700 and if your score is lower, you may pay a higher interest rate or higher costs. Some additional tips include:

• Veterans who are current homeowners should take the opportunity now to refinance to a lower rate; check out VA IRRRL streamline refinances for veterans.
  For more information on buying a home or improving your credit score, click here.
• Disabled veterans have additional benefits from a VA loan, as they are exempt from the VA funding fee.
• Current homeowners considering cash-out loans can consider a conventional loan. VA loans have a funding fee of up to 3.6%, but that may be a better deal than the high interest rates of other loans.
• Last, don't forget to request a Loan Estimate, or "LE," from lenders when shopping around for the best mortgage. The LE will outline all relevant program details and costs that you can expect at closing.

Note: these are general information, each loan is unique and customized to the borrower. Call 833-687-1212 to speak with an experienced Freedom Mortgage loan officer who can answer questions and provide more information based on your needs.

(NewsUSA)

"We invest in you."

What's not to like about a company that makes that the theme of this year's National Manufacturing Day - as the Whirlpool Corporation just did - in honoring its 15,000-strong factory workforce spread across plants in Ohio, Iowa, Oklahoma, Massachusetts and Tennessee?

Especially, as in this case, when those words are backed up by a bedrock commitment to provide employees with opportunities that are about as coveted as the last drumstick at Thanksgiving.

1.Employee advancement

As one of the world's leading major home appliance companies, Whirlpoool Corporation has invested about $4 billion over the last five years into innovation in its American plants, its products, and the people who keep the lines running day in and day out. Credit initiatives like its "Everyday Performance Excellence" system for empowering workers to plan their career development with the help of team leaders.

Take Ashley Lehner, for instance. She started out temping as an assembler building doors on the dryer line at Whirlpool Corporation's Marion, Ohio plant in 2010, and steadily worked her way up to now lead its suggestion and knowledge inventory systems. "I worked really hard to become a more valuable asset to the company, and I hope to continue to grow within the organization," says Lehner, who's featured in this video about opportunities at the company.

Or Mike Wagers, who went from being an assembly line technician to materials manager at the Tulsa, Oklahoma cooking appliances plant in just a few short years. "I was looking for long-term stability, and this job gave it to me," he says. "The people who've supported me here have been fantastic."

2.Educational reimbursement

The website Comparably.com gives Whirlpool Corporation an "A" for its perks and benefits. And, yes, thankfully for anyone who's checked out the cost of higher education these days, that includes tuition assistance for full-time employees with at least one year of service - whether for an undergraduate, associate or master's degree.

"It's helping me advance my career," says Joshwa Bachelder, currently in operations at the Findlay, Ohio plant while pursuing an associate degree in business management.

3.Volunteerism

Habitat for Humanity. Women's shelters. United Way.

Those are just three of the tons of charities and local initiatives Whirlpool Corporation encourages its workers to contribute time and/or money to.

"Most people want to work for an employer who cares about its employees and also about the people in the local community," says Don Metzelaar, Whirlpool Corporation's vice president of integrated supply chain and quality for North America.

In fact, the company reports that one in three employees wind up volunteering.

Which translates into 400,312 volunteer hours invested annually.

"How I benefit when I volunteer in the community is just having a better sense of pride within myself, knowing that I'm giving back to others," says Jenna Jess, a senior cost accountant at the Clyde, Ohio plant, who helped raise money for a local shelter noted for providing services like life-skill classes and job referrals during the up to 60 days people stay there.