Palouse Living, October 2015

Your resource for buying, selling and enjoying your home on the Palouse.

Palouse LIVING

Get your home fall-ready with 5 simple projects

Photography By Blank Slate Imagery

� | October �015 | Moscow-Pullman Daily News PalOuse liviNg

Every year, millions of Americans enjoy the rewards of homeownership. And they look to Wells Fargo Home Mortgage to help them find the home financing to fit their needs and goals. I’d like to help you too.

Wells Fargo Home Mortgage has a wide range of purchase loan products and programs to serve a variety of home financing needs, including:

• Conventional / FHA / VA Loans • Fixed -and adjustable-rate mortgages (ARMs)• New construction loans • Mortgage options with built-in renovation financing• PriorityBuyer® preapprovals

Expect me to work closely with you to explore and explain options for your budget and goals.

Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2012 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS1067291 Expires /2015

Rachel Ellen LaineHome Mortgage Consultant221 S Main StMoscow, ID 83843Office: 208-883-5659Cell: [email protected]/rachel-laineNMLSR ID 1015986

Call today!

Your home financing needs deserve my attention

Moscow-Pullman Daily News | October 2015 | 3PALOUSE LIVING

Enjoy Palouse LivingIN PRINT: Palouse Living is published

monthly, with 12,500 copies distributed in the Daily News, Lewiston Tribune and at key drop spots and advertisers across the Palouse.

ONLINE: Check out the latest edition in digital format at www.DNews.com, just click on the Special Sections tab.

To advertise your business or service in the next edition, contact

advertising coordinator: Angela Kay: [email protected]

Enjoy Palouse Living

monthly, with 12,500 copies distributed in the Daily News, Lewiston Tribune and at key drop spots and advertisers across the Palouse.

in digital format at www.DNews.com, just click on the Special Sections tab.

Your resource for buying, selling and enjoying your home on the Palouse.

Palouse LIVING

Creative ways to recycle leaves

If boots, a warm hat and a tuned-up leaf blower are the

only items on your fall preparation list, your home maintenance plan may need a makeover. These simple home maintenance projects can help lower your energy bills, prevent more costly repairs and/or increase the lifespan of your home.

1. Heating & Ventilation

Examine your fireplace and chimney system to ensure that no soot or creosote has collected. Any cracks or voids could potentially cause a fire. Before you turn the furnace or boiler on, replace the air filter and hire a professional to inspect the unit more thoroughly. These steps will improve the efficiency and life of your furnace and will ensure stable indoor air quality.

2. Seal Windows and Doors

If not properly sealed, windows and doors can be a major culprit for heat loss. To keep the warm air inside, inspect the weather-stripping around your home’s windows and doors for leaks, rot or decay. Repair or replace structural framing, and caulk inside and out, if necessary.

3. Insulate Well

One of the easiest and most effective defenses against heat loss is proper insulation. Prevent cold drafts from entering and the loss of heated air through basement headers, which, when left exposed, can make your furnace work harder. Look for a moisture-resistant product offering high thermal performance, such as Roxul Comfortbatt insulation. This type of mineral wool insulation makes installation simple. All that’s needed is a serrated blade or bread knife. Cut the batt to fit the cavity and press into place. The insulation will help improve energy efficiency as soon as it’s in place and provide savings over the lifetime of your home. Comfortbatt can also be used to top or replace old attic insulation. Aim for an R-50 or a depth of 16 inches.

4. Backyard Care

Save your property from potential damage by trimming overgrown trees and shrubs to prevent ice-laden branches from thrashing against electrical wires and your home’s exterior. Drain/shut off any exterior faucets and sprinkler systems to prevent

freezing. Ensure rain or snow drains away from the house to avoid foundation problems.

5. Roof and Gutters

Inspect your roof for shingles that are warped, damaged or even missing to prevent a future leak. Use roofing cement and a caulking gun to seal joints where water could penetrate, such as around the chimney, skylights or vent pipes. Make sure that your gutters and downspouts are securely fastened. Downspouts should extend at least five feet away from the home to prevent flooding.

When it comes to preventative maintenance, a little time and effort can save thousands in energy

costs and repair bills over the lifetime of your home.

Get your home fall-ready with 5 simple projectsMetroCreative

� | October 2015 | Moscow-Pullman Daily News PalOuse liviNg

Autumn is upon us, and with the change of seasons

comes the fall to-do list that must be completed before the arrival of winter weather. Many outdoor jobs are best completed before temperatures drop, while others can be tackled indoors to help save energy and prepare for increased time spent inside the home.

Outdoor cleanup

Autumn means leaves are falling from trees and littering landscapes. Cleaning up leaves can be a time-consuming task, but it’s necessary to promote the health of lawns and other plants. Grass that is completely matted down with leaves can become

starved for light and moisture, and lawns may even rot when forced to spend winter beneath fallen leaves.

One eco-friendly timesaver is to shred leaves with a mower and leave them as topdressing for the lawn. As long as the grass blades can be seen within the leaves, the lawn should be fine. Shredded leaves will decompose and add necessary nutrients and organic matter to the soil naturally.

Leaves also can be used in annual flower and vegetable gardens to improve the soil. Mulch made from shredded leaves can be placed on the soil around trees and shrubs. This helps to reduce weed problems and protects root systems from harsh temperature

fluctuations.

Clothing donations

It’s time to pack away summer clothing and once again fill closets and drawers with sweaters and jeans. Before packing away your summer wardrobe, conduct an inventory to determine if there are any items you no longer use. Donate these items or use them as rags when cleaning.

Keep some short-sleeved shirts accessible so you can layer them under sweatshirts and sweaters. The heat from layering will be trapped against your body and keep you cozier, reducing your reliance on HVAC systems to stay warm.

Home repairs

Check the roof for any missing

shingles. In addition, look for spots where animals or insects may be able to gain entry into your home. Seal these areas and repair any leaks. This will make your home more efficient later on when winter hits its stride.

Remove window air conditioners for the winter. If they can’t be removed, seal them with caulking or tape and cover them with an airtight, insulated jacket. If you have forced-air systems, move furniture away from the vents so that air can flow better around the home and keep it comfortable.

Check weatherstripping around windows and doors and make the necessary adjustments. Installing additional insulation also can help reduce energy consumption.

Earth-friendly tips for autumnMetroCreative

The tradition of jack-o’-lanterns began in Ireland

and pumpkins were not the first gourd to be used as lanterns, turnips were.

When Irish immigrants migrated to America, they brought their jack-o’-lantern traditions with them. Turnips were not as prevalent on this side of the Atlantic, so carvers turned to pumpkins, which were larger and easier to carve.

Jack-o’-lanterns get their name from Irish folklore, particularly a character named Jack. Jack liked to drink and couldn’t pay his pub tab and made a deal with the Devil for his soul to cover the pub fee.

Jack then tricked the Devil to get away with his soul and captured the Devil. Jack agrees to free the Devil if he makes a new deal that the Devil can’t ever have his soul. Years pass and Jack eventually dies. Because of his poor lifestyle, Jack is once again reunited with the Devil. Because the Devil remembers he cannot have Jack’s soul, Jack is forced to roam the twilight world forever as a lost soul. The Devil gives Jack a few embers to burn to light the way, which Jack stores in a hollowed-out turnip.

Eventually these lanterns, used to keep scary spirits at bay, were called jack-o’-lanterns.

The legend of jack-o’-lanternsMetroCreative

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Buying a property can be complex. To avoid making

mistakes, you’re much better off using the services of a realtor who will protect your interests.

Realtors handle all legal aspects of the complex real estate transaction and accompany you through each step of the buying process. In addition to receiving expert advice, you will be able to take advantage of their wide network of contacts in order to find the other professionals whose services you need, such as a building inspector, a notary or lawyer or a mortgage broker.

Realtors have access to numerous tools for finding the property that best meets your

needs. They ensure that you have all the documents necessary to evaluate the property, including the complete listing, the property survey or certificate of location and tax bill. Their neutral perspective could also be valuable when you fall in love with a property that isn’t really what you’re looking for.

Because of their experience and market knowledge, realtors can help buyers determine the right price to offer for the property they are interested in. Depending on the state you live in, you may also be protected by law if you use the services of an agent.

In short, working with a realtor to buy a property is a smart move.

Realtors: a great solution for home buyers

Newspaper Toolbox

Moscow-Pullman Daily News | October 2015 | 5PalOuse liviNg

Maybe it’s true that your property cost a lot to buy

and that you’ve improved it over time. But when selling, you still have to be realistic and set a fair price that’s based on comparable properties in your neighborhood. Asking too much is one of the most common mistakes sellers make. Here are some other mistakes to avoid:

· Not preparing the home properly. Make your property as attractive as possible. Tidy up, clean everywhere and do all the necessary repairs (leaky faucet, wobbly steps, etc.). Depersonalize the decor; don’t make it look too empty, though, because you want visitors to be able to imagine living there.

· Not getting the right help. To sell your home as quickly and efficiently as possible, you need to have the help of some competent professionals. Choose your realtor, notary or lawyer and home inspector with care.

· Concealing defects. Be honest and don’t hide anything. An inspection will reveal any problems.

· Being too emotional. You love your house, which is normal. However, you need to keep a cool head and not be offended by a really low offer. It’s only natural to try and buy a property at the lowest possible price. The good news? Your home has attracted attention.

Avoid making mistakes when selling your home

Newspaper Toolbox

Jason BrownRealtor®

(208) 669-1690Licensed in ID & WA

Patrick VenzkeRealtor®

(208) 310-3482Licensed in ID

Bill MorscheckBroker


Patti Green-Kent Realtor®

(509) 595-3740 Licensed in ID & WA

Corinne HarmonRealtor®


Darl Roberts Realtor®

(509) 334-0562 Licensed in ID & WA

John Freeland WanvigRealtor®


Debbie LawrenceRealtor®


Tracy Burch-GreerRealtor®


217 S. Main St. Moscow, ID

(208) 882-0800cbtmoscow.com

405 S. Grand Ave.Pullman, WA

(509) 334-0562cbtpullman.com


Using face paints instead of masks so kids’ visibility is

not compromised when trick-or-treating.

Millions of people celebrate Halloween every year. Borrowed or adapted from a few different festivals that once took place in Europe, Halloween has origins in the Roman Feralia festival, the Celtic summer’s end festival Samhain, and the Catholic All Saints Day.

Trick-or-treating is a significant part of the Halloween festivities, but for many people, the real delight is choosing a costume. The right costume is not only one that suits the spirit of Halloween, but also one that’s safe. Collisions

with cars, eye injuries from sharp objects and burns from flammable costumes account for the most youth emergency room visits on Halloween.

Consider these pointers when preparing for the arrival of October 31.

· Rely on flashlights and reflective tape to make trick-or-treaters more visible during evening walks. The reflective tape can be incorporated right into the costume design.

· Choose hats and face paints in lieu of masks. Masks can block a child’s vision and impede a youngster’s ability to check for traffic.

· Ensure that costumes do not drag on the floor, as costumes that are too long can pose a tripping hazard.

· Have children wear comfortable, flat shoes to reduce the risk of tripping or falls.

· Make sure children walk on sidewalks and well-lit paths. They also should avoid darting out into the street to run to another home.

· Choose soft, flexible costume props whenever possible. Make sure the props, are not sharp.

· Make sure costumes and accessories are made with flame-resistant materials.

· Use glow sticks or battery-powered LED lights instead of

lit candles for costumes and decorations.

· Trick-or-treat in groups and with chaperones.

Safe costumes can prevent Halloween mishapsMetroCreative

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Moscow-Pullman Daily News | October 2015 | �PalOuse liviNg

The 2015 Palouse Women’s Expo will be EVERYTHING WOMEN! Business and finance, fashion, health, shopping, relaxation, pampering and empowering others.

We strive to provide you with the tools you need to learn and grow as women in all walks of life.

High Heels with High Standards

2015 Palouse Womens Expo 2015 Palouse Womens Expo

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at Best Western Plus University Inn, Moscow

Motivate | Inspire | Encourage

Tickets available at: the Lewiston Tribune, Moscow-Pullman Daily News, University Inn, Best Western: 1516 Pullman Rd, Moscow or by calling (208) 882-0550

Don’t miss the Run Like a Vandal 5k before the Palouse Women’s Expo!Oct. 10 | 8:30am | $15 entry fee | Start and Finish at Guy Wicks Field Visit runlikeavandal.com for more info.

Girl’s Night Out | October 9th | Doors: 5pm | Show: 7pm | $30featuring comedians Jen Seaman & Kristin Key, finger foods & early VIP entry to all booths

Women’s Expo | October 10th | 9am to 3pm | FREEPalouse Women’s Expo is proud to announce our guest speakers:

Monica A. Eggleston, WellPower Functional Medicine | Wendie Kause, Kause Success ManagementJennifer Baker, Lewiston Tribune | Carolyn S Hicklin, Edward Jones | Rhonda Comstock, ClearView Aesthetics

Vendors Include:Edward Jones | P1FCU | Costco | Jess Ford | Premiere Jewelry | IT Works Global | Ashley Alred - Remax

ClearView Aesthetics | Oils and Prayers | Tessa’s Powder Room | Younique Lashes | Pampered ChefJewelry in Candles Damsel in Defense | Discount Supply | Values Magazine | Matilda Jane Clothing

Omnitrition | 31 Bags | Four Star Supply | Chloe & Isabel

Thank you to our major sponsors:


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Palouse Living, October 2015

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