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November 2013 • The Free Press1

SOUTHERN MINNESOTA

The Free PressMEDIA

CooperativeLivingCreating the sense ofDiscoverySaving Moneyand Building the credit you need to buy your first house

Home +Style 1113.indd 1 11/21/2013 3:41:36 PM

Table of Contents

2 ProductPages

4 CooperativeLiving

6 What’sInyour21st-centurysurvivalkit?

9 Thesehomeimprovementsmayactuallylowerhomevalue

10 CreatingaSenseofDiscovery

15. Audio/VideoIntegration

16 Howtogetyourhomereadyforholidayguests

18 SavingMoneyandBuildingthecredityouneedtobuyyour firsthouse

20 Stree-freeholidayhostingtips

SOUTHERN MINNESOTA

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4

10

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Audio,Video,Automation SystemsControl your:

• TVs • Music• Movies • Lighting• HVAC • Security• Locks • Garage Doors• Shades • Moreby smartphone or tablet

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Radon is a naturally occurring radioactive gas that forms from the natural decay of uranium found in many soils. Colorless and odorless, radon

can significantly increase a person’s risk of lung cancer. Smokers who live in homes with high radon levels are especially susceptible to lung cancer. Radon can enter a home by moving up through the soil beneath a home and finding its way through cracks and holes in the foundation. Many people may feel homes with basements are especially susceptible to radon, but radon can enter a home whether the home has a basement or not. Granite countertops may emit radon, but not always at levels that cause cancer. Countertops can be tested for radon emissions, and such testing is inexpensive and quick.

Did you know?

Rad

on


The Free Press • November 2013 1

2 ProductPages

4 CooperativeLiving

6 What’sInyour21st-centurysurvivalkit?

9 Thesehomeimprovementsmayactuallylowerhomevalue

10 CreatingaSenseofDiscovery

15. Audio/VideoIntegration

16 Howtogetyourhomereadyforholidayguests

18 SavingMoneyandBuildingthecredityouneedtobuyyour firsthouse

20 Stree-freeholidayhostingtips

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• TVs • Music• Movies • Lighting• HVAC • Security• Locks • Garage Doors• Shades • Moreby smartphone or tablet

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Earl Johnson

Chairside Chest

$299.99

Diveria Lamp

$199.99

Helicopter Clock $39.99

Petro 5” Pot Wild Black

$29.99

Behold the awe and wonder of the Christmas Story. The Willow Tree

Nativity Set is available at The Lighthouse Christian Book and

Gift Shop. Start small with Mary, Joseph and Baby Jesus and add all

the other pieces as you go or start a holiday tradition with

the entire set. Prices vary. Pieces sold in sets from $28-$76.

The Lighthouse

Has all the things you’ll need to

make your Holiday goodies by

Nordic Ware!

Arrow Ace True Value hardware

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It seems like they grow 3” overnight! Record it with these 6’ handcrafted growth charts.

Find them and other unexpected home furnishings, art, and gifts

at Salvage Sisters, Mankato 507-345-8575

like us on Facebook.$55 each

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216 S Minnesota Avenue, St. Peterwww.Habadashery.com

507-519-1085

Habadashery - Past to Present

Repurposed items and Antiques

Black Antique Chair$265

Bob Vogel507-931-3818

215 N Minnesota Ave, St. Peterwww.stainedglassstudiostpeter.com

Stained Glass Studio

Lamp$550

Behold the awe and wonder of the Christmas Story. The Willow Tree

Nativity Set is available at The Lighthouse Christian Book and

Gift Shop. Start small with Mary, Joseph and Baby Jesus and add all

the other pieces as you go or start a holiday tradition with

the entire set. Prices vary. Pieces sold in sets from $28-$76.

The Lighthouse

The perfect chair for any room, the Eames Arm

Chair from Rooms and Rest comes in a a variety of colors. Regularly $1799

Black Friday SalePrice$899

Rooms & Rest



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members must have a minimum income that varies depending on the size of the unit. At least one of the owners of a Share must be 55 years of age. The Occupancy Agreement gives the members an exclusive right to occupy a specific unit.

Other common features of cooperatives are secured entryways, fire protection with sprinkler systems, C02 detectors and smoke alarms, as well as barrier-free access throughout the building and ample storage space.

Many cooperatives have garage space available to members for an additional monthly fee. Some even have a guest room or two available for a nominal fee for visitors.

There may be times when a Share comes up for sale and it is due to be updated. The incoming Shareholder will be able to choose their own updates including carpet, vinyl and paint colors also cabinets, countertops, light fixtures, sinks and faucets. The incoming Shareholder will be able to make their Share their own. The Cooperative may pay for part of the updating.

When members sell their Share, the selling price is determined in accordance with the cooperative’s by-laws. The selling price is the original Share price paid by the selling member plus a limited amount of equity. Members receive a predetermined amount of equity every year they live in the cooperative.

Cooperative living is active living. Cooperatives typically have a community room, library, workshop, gardens and more. Some even have an exercise room, which means not having to head out to the gym in inclement weather.

There are frequent community dinners, BBQs and picnics, as well as entertainment events that all are welcome to attend.

After checking out several cooperatives in our area, we happily made our selection and moved in the past spring. We had friends from out of town stay in the guest room, and had a fantastic 4th of July, attending a parade, shopping locally, watching fireworks, and going out to dinner to cap off the evening.

Our tomatoes, cucumbers and peppers are doing nicely, and while easily keeping in touch with family and old friends, we have made new friends and look forward to many care-free days ahead.

Our adventure began when we woke to get ready for brunch with friends on a chilly Saturday in January. However, the house was cold, and after checking the

thermostat, we went to the basement only to learn that our furnace was cold as ice. We were going to call the kids, and then remembered our daughter was out of town on business, and our son and his family were on vacation. Next we started calling service companies. We finally found someone to come out and help. Five hours and $900.00 later the house was finally warming up.

When the kids got home we told them about the furnace. Our daughter asked again about moving out of our home of 33 years. We finally agreed to start looking.

And so our quest commenced.We investigated many options, but found the best fit for us

was a “Cooperative.”You may be thinking, “How is Cooperative living different

from other options?”Cooperatives are open to anyone 55 or over. The Share

price or buy in is often considerably lower than other options. The monthly payment is generally lower than rent or an association fee, and covers all utilities except electricity and a telephone land line should you choose to have one.

Here is how a housing cooperative works. Each apartment or unit is referred to as a Share. Shares are priced at a value set by the cooperative. “Cooperative,” as it applies to housing, means co-ownership and operation of a housing development by the residents with the assistance of a management company. All property of a cooperative housing development (land and building) is owned by a nonprofit cooperative corporation. It is governed by its Board of Directors, with input from resident committees and members (shareholders) through its Board of Directors.

Furthermore, the cooperative holds title to the property and directly assumes a mortgage, real estate taxes and obligations necessary to finance and operate the development. Thus, the members do not have any direct financial liability.

If appliances become defective, the cooperative replaces them.

To qualify for membership in a housing cooperative,

Cooperative

LivingBy Diane Hanly


Of the 1,272 federal disaster declarations issued in the last decade, more than half were classified as major disasters. These include calamities such as floods,

hurricanes and tropical storms, winter storms, and others. In the last 10 years, every state has had a least two events designated as a major federal disaster.

“Most major disasters displaced hundreds or thousands of people from home and work, and nearly all involved a temporary or prolonged loss of major services and necessities, including power, communications, and running water,” said Jonathan Bacon, director of marketing at Wilson Electronics, a maker of communications equipment in St. George, Utah.

“We began thinking about what has changed in technology and society, and how that would affect what we would want to have in an emergency ‘go-pack’,” Bacon said. “A lot of what we would take with us hasn’t changed, but some of what we’d desire today had not been invented 10 years ago. We came up with 6 items that were either invented or radically improved in the last 10 years. We call it the 21st Century Survival Kit.”

1. Cell phone signal booster: “We’re all extremely dependent on smartphones for voice and data communications. Already widely used by first responders and news crews when initially entering disaster zones, the Sleek 4G, a portable cell phone signal booster from Wilson Electronics, helps to transmit and receive calls and data via cell towers unaffected by a disaster. In a severe situation like Hurricane Sandy where all communications were compromised for several days, having a cell booster could save precious hours of driving time to find a strong cell signal.”

2. Batteries: Two portable lithium-ion batteries, each with a minimum capacity of 10,000mAh, is enough for one battery to fully charge at least three smartphones or to power a tablet, netbook, or cell booster for several hours.

3. Portable solar panel: “These solar panels weigh only about a pound and are very practical for charging portable batteries and devices,” said Bacon. He recommended a panel capable of producing at least 10 Watts of power and one amp of current.

4. LED headlamp: Also powered by rechargeable batteries, the latest generation of these types of lamps have adjustable brightness to maximize battery life and can be made bright enough to cast light more than 100 feet.

5. Two-way FRS/GMRS radios: “When even a Wilson booster can’t find a cell signal, these radios provide a

communications range up to 30 miles,” said Bacon.

6. Microbial filter straw: This is used for drinking water that may be contaminated with bacteria, organic and waterborne chemicals, and other harmful elements. One filter straw can filter 30 gallons of water.

“A lot has happened just in the last 10 years to make keeping in contact and avoiding health risks easier under adverse conditions,” said Bacon. All of these products are readily available, weigh less than five pounds total and take up little room in a

backpack. MCC.

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SEPTEMBER 14 - DECEMBER 17, 2013

Save $100*

or more with rebateson qualifying purchases ofHunter Douglas window fashions

*Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/14/13 – 12/17/13 from participating dealers in the U.S. only. Offer excludes Nantucket™ WindowShadings, a collection of Silhouette® Window Shadings. Rebate offers may not be combined; for each qualifying purchase, the higher applicable rebate amount will apply.Rebates will be issued in the form of a prepaid reward card. Funds do not expire. Subject to applicable law, a $2.00 monthly fee will be assessed against card balance 7months after card issuance and each month thereafter. Additional limitations apply. Ask participating dealer for details, rebate form and information on qualifying purchases.**For tax credit details and restrictions and a list of qualifying products, see the Manufacturer’s Certification Statement and FAQs, at hunterdouglas.com/taxcredit. HunterDouglas and it’s dealers are not tax advisors. Consult a tax professional regarding your individual tax situation and ability to claim a tax credit related to the purchase of thequalifying Duette Architella Honeycomb Shades © 2013 Hunter Douglas. All rights reserved. All trademarks used herein are the property of Hunter Douglas.

Budget Blindsof MankatoCall for Appointment(507) 373-8535 • Toll Free 1-877-373-8535www.coolwindowshades.com

joy.Wonderful windowfashions now at a savingsPlus, a federal tax credit opportunity onDuette® Architella® Honeycomb Shadesthrough December 31, 2013.**

Ask about

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1601 Adams St.,Mankato

507-345-4558

1618 S. Minnesota Ave.,St. Peter

507-931-6100wellsfederal.com

Wells Federal Bank will help finance your dream homeor refinance your existing home from start to finish.

Call Today to Lock-inYour Low Rate!

PUTTING THERIGHT PEOPLE, IN THERIGHTHOME, AT THERIGHT TIME.

What’s in your 21st-century

survival kit?www.TheDesignElement.net

INTERIOR DESIGN ・ HOME FURNISHINGS507.345.8708



1. Cell phone signal booster: “We’re all extremely dependent on smartphones for voice and data communications. Already widely used by first responders and news crews when initially entering disaster zones, the Sleek 4G, a portable cell phone signal booster from Wilson Electronics, helps to transmit and receive calls and data via cell towers unaffected by a disaster. In a severe situation like Hurricane Sandy where all communications were compromised for several days, having a cell booster could save precious hours of driving time to find a strong cell signal.”

2. Batteries: Two portable lithium-ion batteries, each with a minimum capacity of 10,000mAh, is enough for one battery to fully charge at least three smartphones or to power a tablet, netbook, or cell booster for several hours.

3. Portable solar panel: “These solar panels weigh only about a pound and are very practical for charging portable batteries and devices,” said Bacon. He recommended a panel capable of producing at least 10 Watts of power and one amp of current.

4. LED headlamp: Also powered by rechargeable batteries, the latest generation of these types of lamps have adjustable brightness to maximize battery life and can be made bright enough to cast light more than 100 feet.

5. Two-way FRS/GMRS radios: “When even a Wilson booster can’t find a cell signal, these radios provide a

communications range up to 30 miles,” said Bacon.

6. Microbial filter straw: This is used for drinking water that may be contaminated with bacteria, organic and waterborne chemicals, and other harmful elements. One filter straw can filter 30 gallons of water.

“A lot has happened just in the last 10 years to make keeping in contact and avoiding health risks easier under adverse conditions,” said Bacon. All of these products are readily available, weigh less than five pounds total and take up little room in a

backpack. MCC.

xxxxxxxxxxxxxxxx

SEPTEMBER 14 - DECEMBER 17, 2013

Save $100*

or more with rebateson qualifying purchases ofHunter Douglas window fashions

*Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/14/13 – 12/17/13 from participating dealers in the U.S. only. Offer excludes Nantucket™ WindowShadings, a collection of Silhouette® Window Shadings. Rebate offers may not be combined; for each qualifying purchase, the higher applicable rebate amount will apply.Rebates will be issued in the form of a prepaid reward card. Funds do not expire. Subject to applicable law, a $2.00 monthly fee will be assessed against card balance 7months after card issuance and each month thereafter. Additional limitations apply. Ask participating dealer for details, rebate form and information on qualifying purchases.**For tax credit details and restrictions and a list of qualifying products, see the Manufacturer’s Certification Statement and FAQs, at hunterdouglas.com/taxcredit. HunterDouglas and it’s dealers are not tax advisors. Consult a tax professional regarding your individual tax situation and ability to claim a tax credit related to the purchase of thequalifying Duette Architella Honeycomb Shades © 2013 Hunter Douglas. All rights reserved. All trademarks used herein are the property of Hunter Douglas.

Budget Blindsof MankatoCall for Appointment(507) 373-8535 • Toll Free 1-877-373-8535www.coolwindowshades.com

joy.Wonderful windowfashions now at a savingsPlus, a federal tax credit opportunity onDuette® Architella® Honeycomb Shadesthrough December 31, 2013.**

Ask about

FREEMeasuring and

Installation

’tisforseason

saving celebration

stylethe

Duette Architella Honeycomb Shades

1601 Adams St.,Mankato

507-345-4558

1618 S. Minnesota Ave.,St. Peter

507-931-6100wellsfederal.com

Wells Federal Bank will help finance your dream homeor refinance your existing home from start to finish.

Call Today to Lock-inYour Low Rate!

PUTTING THERIGHT PEOPLE, IN THERIGHTHOME, AT THERIGHT TIME.

Senior Living in theHeart of Mankato!

Call Us for a Walk-Through!

50 Teton Lane, Mankato507-388-6354

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613 No. Riverfront DriveMankato, MN 56001

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Wed: 10-6 Thur: 10-8Fri: 10-6 Sat: 9-4

What’s in your 21st-century

survival kit?www.TheDesignElement.net

INTERIOR DESIGN ・ HOME FURNISHINGS507.345.8708 Saturday

November 30, 2013



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Mankato Magazine

Over 120 Years of Service

417 Poplar Street Downtown Mankato • 388-9329 • 1-800-228-8583

WE CAN HANDLE ALLYOUR MOVING NEEDS.Local and long distance, climate-controlledwarehouse or self-storage

One Company. Multiple Specialities.

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601 Poplar Street, Mankato | www.waskocompanies.com

Home improvements are typically made to improve the functionality and look

of a home, but renovations also can increase the value of a home. Certain changes to a home can make it more attractive to prospective buyers, while other renovations may make a home less appealing. For example, a complete overhaul of an outdated kitchen is often a smart financial move, while installing a pool or hot tub may not be worth the cost to homeowners. Separating the good from the bad renovations makes smart financial sense, and homeowners looking to improve their homes’ resale values may want to avoid the following projects.

• Bedroom and garage conversions: Changing a room’s traditional function often turns off buyers. For example, turning a garage into a home gym might seem like a great idea for you, but it may not be so appealing to prospective buyers. Buyers can certainly reconvert the space, but they would consider the costs of such a conversion when making their offers on the home.

• Stylized colors on trims and rooms: Painting over unappealing colors is a project many homeowners can handle. However, some may be

These home improvements may actually lower home value



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Over 120 Years of Service

417 Poplar Street Downtown Mankato • 388-9329 • 1-800-228-8583

WE CAN HANDLE ALLYOUR MOVING NEEDS.Local and long distance, climate-controlledwarehouse or self-storage

One Company. Multiple Specialities.

• Heating• Cooling• Installation• Sales

• Ventilation• Plumbing• Design• Service

Call us today: 507.389.9855Hours: M-F 8:00 am - 5:00 pm | Emergency Service 24/7

601 Poplar Street, Mankato | www.waskocompanies.com

Home improvements are typically made to improve the functionality and look

of a home, but renovations also can increase the value of a home. Certain changes to a home can make it more attractive to prospective buyers, while other renovations may make a home less appealing. For example, a complete overhaul of an outdated kitchen is often a smart financial move, while installing a pool or hot tub may not be worth the cost to homeowners. Separating the good from the bad renovations makes smart financial sense, and homeowners looking to improve their homes’ resale values may want to avoid the following projects.

• Bedroom and garage conversions: Changing a room’s traditional function often turns off buyers. For example, turning a garage into a home gym might seem like a great idea for you, but it may not be so appealing to prospective buyers. Buyers can certainly reconvert the space, but they would consider the costs of such a conversion when making their offers on the home.

• Stylized colors on trims and rooms: Painting over unappealing colors is a project many homeowners can handle. However, some may be

discouraged by a home that has too many bright colors or textures on the walls and trims. Buyers often want homes that are move-in ready, meaning they can get settled in before undertaking large projects. A living room painted in purple or zebra print may not fit the design scheme of many buyers. Dark colors do not easily disappear, and taping off and painting trimwork or changing it entirely can be equally time-consuming. Stick with neutral colors when selling a home, even if this means giving rooms a new coat of paint before putting your house on the market.

• Outdoor hot tubs and indoor spa tubs: Many people find soaking in a bubbling brew of hot water quite inviting. But buyers often do not want to inherit a used hot tub. Although hot tubs are cleaned and maintained with sanitizing chemicals, some people may view them as unsanitary. Removing a hot tub can be labor-intensive. And much like a pool, a hot tub may not be appealing to buyers with young children.

• Removing closets: Closet space is often high on buyers’ priority lists.

Turning closet space into an office or removing a closet to make a room bigger may be fine for those who are staying put. But these modifications can be a turn-off to prospective buyers.

• Too many features: In an effort to “keep up with the Joneses,” some homeowners will over-improve their home to the point that it outshines all others on the street. There is a case for having nice things, but homeowners may struggle to sell a home that is disproportionate to other homes in the area. Practice moderation when making improvements to attract more buyers.

These suggestions are merely guidelines and should not replace the advice of a reputable real estate agent when marketing a home. Housing features and what buyers are interested in vary across the country. Some items may be desireable in specific areas but undesireable elsewhere. Making informed choices before renovating can help homeowners recoup the largest share of their investments. MCC.

These home improvements may actually lower home value



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DiscoveryCreating a Sense of

Max DeMars talks about his home and the homes he builds as if they are living, breathing entities. And admittedly, he believes they kind of are.

The columns in front of DeMars’ home, located on Doc Jones Road, proudly hold up the structure without hiding anything. According to DeMars, they are like the open arms of an old friend welcoming visitors and guiding them to the entrance.

“Every choice you make is important,” DeMars said. “It’s the little things – the details that create a sense of harmony. Sometimes you might not even notice them at first, but they reach you on a subconscious level.”

DeMars started his own company in January 2003, but his passion for construction and design started when he was just a boy going to work with his dad.

“Some of my earliest memories are of watching my dad and how he interacted with the guys,” DeMars said with a smile. “I remember watching how he would joke around with them one second and then the next, it was down to business. He’s the one who encouraged me to go out on my own – to find my own niche. So that’s what I’m trying to do.”

InfluencesDeMars gets a lot of inspiration by simply taking his wife,

Jaime and their three sons, Leo (8), Oliver (4) and Milo (3) for a car ride around the lakes in Minneapolis.

“Sometimes you need to just stop and look around,” DeMars said. “There are so many great things to look at. I really like expressive roof lines and those homes that have a sort of cottage feel.”

Although DeMars’ home is contemporary, he creates a sense of warmth and nostalga reminiscent of homes much older. From the foyer, to the mud room to the bathroom and playroom – everything has a purpose and often -- an unexpected surprise.

At the top of the stairs, DeMars opens a door to a hallway that leads to a large family room with tall ceilings and little dormer windows.

“That is what I love about these story and one-half homes,” DeMars said with a laugh. “You occupy the space up in the roof and create these little dormers that let in shafts of light. It’s like being up in Grandma’s attic. I love creating that sense of discovery.”

In 2012, DeMars’ home was part of the Minnesota River Builders Association Tour of Homes and he received the

People’s Choice Award. It was an honor to be recognized, DeMars said. However, the most important thing to him is meeting the needs and expectations of his clients whether it is a remodeling project, new construction or even a community-based commercial project and helping them “discover their space.”

BringingideastolifeFor DeMars, one of his favorite parts of the creative

process is sitting down with his clients and helping them realize their vision.

Many people come to the process very educated and others discover what they want as they go along, DeMars said. It is his job to help them express what is most important to them through design and function.

“If it is well-thought out and well-planned, it will be well-executed,” DeMars said. “It’s all about the flow and function of the space. I want people’s homes to be reflective of their personalities and lifestyles.”

After only a few years in the industry, DeMars started making a name for himself as an “onsite builder.” Even now, more than 10 years later, clients stop by the job site to check the progress and get an update from DeMars himself.

By Marianne Carlson



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DiscoveryCreating a Sense of

InfluencesDeMars gets a lot of inspiration by simply taking his wife,

Jaime and their three sons, Leo (8), Oliver (4) and Milo (3) for a car ride around the lakes in Minneapolis.

“Sometimes you need to just stop and look around,” DeMars said. “There are so many great things to look at. I really like expressive roof lines and those homes that have a sort of cottage feel.”

Although DeMars’ home is contemporary, he creates a sense of warmth and nostalga reminiscent of homes much older. From the foyer, to the mud room to the bathroom and playroom – everything has a purpose and often -- an unexpected surprise.

At the top of the stairs, DeMars opens a door to a hallway that leads to a large family room with tall ceilings and little dormer windows.

“That is what I love about these story and one-half homes,” DeMars said with a laugh. “You occupy the space up in the roof and create these little dormers that let in shafts of light. It’s like being up in Grandma’s attic. I love creating that sense of discovery.”

In 2012, DeMars’ home was part of the Minnesota River Builders Association Tour of Homes and he received the

People’s Choice Award. It was an honor to be recognized, DeMars said. However, the most important thing to him is meeting the needs and expectations of his clients whether it is a remodeling project, new construction or even a community-based commercial project and helping them “discover their space.”

BringingideastolifeFor DeMars, one of his favorite parts of the creative

process is sitting down with his clients and helping them realize their vision.

Many people come to the process very educated and others discover what they want as they go along, DeMars said. It is his job to help them express what is most important to them through design and function.

“If it is well-thought out and well-planned, it will be well-executed,” DeMars said. “It’s all about the flow and function of the space. I want people’s homes to be reflective of their personalities and lifestyles.”

After only a few years in the industry, DeMars started making a name for himself as an “onsite builder.” Even now, more than 10 years later, clients stop by the job site to check the progress and get an update from DeMars himself.

By Marianne Carlson

“By keeping each other in the loop we can address issues as we go along and people appreciate that,” DeMars said.

For DeMars, building homes is so much more than just a job. It’s a passion, a way of life that started with his dad and now it is something that he can share with his three sons. Who knows, someday DeMars might be encouraging one or more of his sons to go out and find their own niche.



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ThegreatroomintheDeMarshomeiswherethefamilyspendsmostoftheirtime.Theentertainment/mediacenterishiddenbehindclosedcabinetdoorsandtakes

abackseattothefloortoceilingfireplacethatisthefocalpointoftheroom.Thefireplace,madefromVetterStone,addstextureandwarmthtothefamily’smaingatheringarea



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DeMars Construction works with many local businesses to build homes with integrity

that are expressive of the character of the client but also reflect the influences of the region, site and budget.

· Electrical and Communication Specialists

· Degrood’s Home Store

· Lloyd Lumber

· Ironwood Hardwood Flooring

· Cambria

· Town & Country Interiors

· Bauer Roofing

· Wasko Heating and Cooling

· Evenson Concrete

· Vetter Stone

· Tony Tile

· Dave’s Custom Cabinetry

· Community Bank



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By Marianne Carlson

“Well, it’s a marvelous night for a MoondanceWith the stars up above in your eyesA fantabulous night to make romanceNeath the cover of October skies…”

Van Morrison’s Moondance album plays on hidden speakers throughout Max DeMars’ home. He holds up his iPhone and smiles as he turns down the volume in the kitchen, but music can still be heard coming down the stairwell in waves.

He slides his finger across another screen and brightens the lights above the kitchen counter and dims the lights in the great room.

“You can be on the beach in Mexico and turn off the lights in your house,” DeMars said with a laugh.

This system is called Audio/Video Integration and it was installed by Electrical and Communication Specialists (ECS) from Mankato.

If turning off the lights while sitting on a beach in Mexico doesn’t seem like a practical application, how about being able to turn off all your lights, television, Blu-ray player and dial your thermostat down to 65 with the touch of a single button.

“I use it every day,” DeMars said. “I have a keypad right by the garage door. So if I am trying to get the boys in the car I don’t have to run around the house shutting everything off. I can just hit the ‘away’ button and walk out the door.”

The same goes for when you return home, according to ECS Project Manager Erik Magelee. By pushing the “home” button as they enter the house, people who might be carrying a bag of groceries or a baby in a car seat can walk into a well-lit home, Magelee said.

“Systems like this used to be very expensive, but improvements in technology have made them much more affordable,” Magelee said. “A

lot of people are installing t h e s e s y s t e m s when they build new homes, but we can also retro f i t homes that have already been wired or simply install this system as part of a remodeling project.”

According to Magelee, his staff can i n t e g r a t e a variety of different products from different manufacturers so homeowners who are interested in installing an Audio/Video Integration System don’t have to run out and buy all new products.

“We can integrate a Blu-ray player made by one company with a TV made by another and combine it with a new lighting system so that it all operates wirelessly,” Magalee said. “Now you can run everything in your house from your iPhone or Android or even your tablet. You couldn’t do that a few years ago.”

This technology has changed the way people interact within their home and right now the possibilities are limitless, Magalee said.

“You could program your system to have a Movie Night setting so when you hit it, the automated blinds close, the lights dim and your Apple TV or Blu-ray player automatically comes on,” Magalee said. “It’s pretty cool. It might seem like a fancy toy, but really, people are finding more and more practical uses for it. Being able to access your home from a distance gives a lot of people peace of mind.”

Audio/Video Integration



steep staircases, consider purchasing some child gates or asking your guests to bring their own gates to reduce the risk of young kids falling down your stairs.

• Stock up on toiletries and other essentials. Replenish your supply of toiletries before guests arrive. Stock up on toilet paper, tissues, toothpaste, shampoo, conditioner, and lotion in the days leading up to the holidays. In addition, consider buying kitchen items like paper towels, napkins, plastic cutlery, and paper plates. Paper plates may come in especially handy, saving you the trouble of having to load up the dishwasher after meals in which paper plates and plastic cutlery would have sufficed.

• Give your common areas a thorough cleaning. Any common areas of the home, including the foyer, living room, dining room, kitchen, and restrooms, should be given a thorough cleaning prior to your guests’ arrival. Clean any bedrooms where guests will be staying as well. You don’t need to devote as much time to cleaning your own bedroom or home office, but make sure these rooms are presentable as well.

• Clean out the closets. If your hall closets are largely used for storing miscellaneous items, clean them out for the coming days to make room for your guests’ coats, jackets, scarves, hats, and shoes. Moving these items, be it to the garage, a backyard shed or the basement, can be temporary, but you will need your closets to serve a more traditional purpose while your guests are in town for the holidays.

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FROM CONTEMPORARY TO TRADITIONALSERVING THE MANKATO AREA

FOR OVER 31 YEARS

TIME PROVEN - TIME HONOREDLICENSE #BC003621

Hosting family members for the holidays

is a great way to spend quality time with loved ones during a special time

of year. For many families, the holidays

are the one time each year when everyone can get together

regardless of where they live or how demanding their commitments

to work and family can be.When families gather for the holidays,

many people often find themselves playing host to distant relatives. Accepting such hosting duties is

an act that comes with many responsibilities, including readying the home for overnight guests. The following are

a few ways hosts can prepare their homes for holiday guests.

• Take inventory of linens. Overnight guests mean you will need extra bed linens, blankets and pillows. Take inventory of your linen closet now, and inspect each set of sheets to make sure they are still usable. If sheets are ragged or the blankets have thinned, purchase new linens so your guests feel as if they’re at home and don’t get cold overnight. If your linen closet is fully stocked with quality linens, clean them in the days leading up to your guests’ arrival.

• Buy some night lights. You might be familiar enough with your home’s layout in the dark, but your guests likely won’t have that same sense of familiarity. Purchase a few night lights for the hallways and restrooms so guests can easily get around should they need to get up in the middle of the night to use the restroom.

• Childproof your home if necessary. Kids can be curious, so holiday hosts without children of their own should childproof their homes before any guests arrive with kids in tow. Move hazardous materials to high shelves that kids can’t reach, and make sure any prescription medications are also out of reach of youngsters. If your home has any

How to get your home ready for holiday guests



steep staircases, consider purchasing some child gates or asking your guests to bring their own gates to reduce the risk of young kids falling down your stairs.

• Stock up on toiletries and other essentials. Replenish your supply of toiletries before guests arrive. Stock up on toilet paper, tissues, toothpaste, shampoo, conditioner, and lotion in the days leading up to the holidays. In addition, consider buying kitchen items like paper towels, napkins, plastic cutlery, and paper plates. Paper plates may come in especially handy, saving you the trouble of having to load up the dishwasher after meals in which paper plates and plastic cutlery would have sufficed.

• Give your common areas a thorough cleaning. Any common areas of the home, including the foyer, living room, dining room, kitchen, and restrooms, should be given a thorough cleaning prior to your guests’ arrival. Clean any bedrooms where guests will be staying as well. You don’t need to devote as much time to cleaning your own bedroom or home office, but make sure these rooms are presentable as well.

• Clean out the closets. If your hall closets are largely used for storing miscellaneous items, clean them out for the coming days to make room for your guests’ coats, jackets, scarves, hats, and shoes. Moving these items, be it to the garage, a backyard shed or the basement, can be temporary, but you will need your closets to serve a more traditional purpose while your guests are in town for the holidays.

xxxxxxxxxxxxxxxx

FROM CONTEMPORARY TO TRADITIONALSERVING THE MANKATO AREA

FOR OVER 31 YEARS

TIME PROVEN - TIME HONOREDLICENSE #BC003621

• Take inventory of linens. Overnight guests mean you will need extra bed linens, blankets and pillows. Take inventory of your linen closet now, and inspect each set of sheets to make sure they are still usable. If sheets are ragged or the blankets have thinned, purchase new linens so your guests feel as if they’re at home and don’t get cold overnight. If your linen closet is fully stocked with quality linens, clean them in the days leading up to your guests’ arrival.

• Buy some night lights. You might be familiar enough with your home’s layout in the dark, but your guests likely won’t have that same sense of familiarity. Purchase a few night lights for the hallways and restrooms so guests can easily get around should they need to get up in the middle of the night to use the restroom.

• Childproof your home if necessary. Kids can be curious, so holiday hosts without children of their own should childproof their homes before any guests arrive with kids in tow. Move hazardous materials to high shelves that kids can’t reach, and make sure any prescription medications are also out of reach of youngsters. If your home has any

How to get your home ready for holiday guests

INSTALLATION REPAIR SANDING FINISHING

IronwoodHardwood.com507-381-6592 | [email protected]

Before

After



your liability.

Credit is not the only thing you’ll need to buy a house, but your credit history is an important factor for lenders. If you know you want to buy a house in the next year or two, visit www.annualcreditreport.com and see what’s on your credit report. This is a government sponsored site that you can visit once per year for free.

This allows you to find out what lenders will see when they check your credit history. If there are things you need to clean up, take care of them prior to applying for a home loan. When you’re close to buying a house, don’t be sloppy. The last thing you want is to have a missed payment or other negative marks preventing you from purchasing your first home.

Owning a home is often referred to as the American dream. The questions is, how does one go from living at home, to owning one? The timeline and

path to home ownership can be different for everyone but here are five steps to help you on your way.

1. Save Money2. Build Credit3. Get Pre-Approved4. Find a Realtor5. Find the perfect house

SaveMoney– The path to home ownership begins long before you set foot in your future home. The first step is to build your savings account to prepare for the upfront costs of purchasing a home.

DownPayment:To get approved for a loan, you will need to have at least 3-5% of the purchase price in cash. The more money you can put down, the more likely you are to be approved. You can also qualify for a better rate and lower costs.

PrivateMortgage Insurance may be required if you finance more than 80% of your home’s value. PMI is extra insurance that lenders require for buyers with less than a 20% down payment. PMI is important in the mortgage industry because it helps borrowers purchase homes with as little as 3-5% down. Essentially, PMI protects the lender against a loss if a borrower defaults on a loan. This means you can buy a home sooner without waiting years to accumulate a large down payment.

ClosingCosts are fees required to obtain a mortgage and transfer ownership of the home. They include the costs for attorneys, appraisals, title insurance, recording of mortgage, loan origination, and points. Typical closing costs are 1.5-2% of the home’s purchase price. You may have to pay these fees yourself; however you may ask the seller to pay them for you, or you may be able to have these fees financed with your mortgage.

Just because you have enough funds to make your down payment, it doesn’t always mean you’re ready to take on

home ownership. Often times, the lender requires you to have reserves after the purchase of your home. This assures that the mortgage can be paid even if you experience financial difficulties. A good reserve would be 3-6 months of mortgage payments. Remember, if you plan to buy a fixer-upper, appliances, or new furniture, you’ll want to include these costs in your savings plan.

BuildCredit– If you’re not familiar with what a credit score is, here are the cliff notes. Your Credit Score is a three-digit number designed to predict the level of risk you present as a borrower. It ranges between 350 & 850 and is generated by a mathematical algorithm using information from your credit report.

This three digit number packs a big punch. A low score can end up costing you thousands of dollars in interest over the life of a loan. Also, if your score is too low, you may not even qualify for credit on any terms. Your credit history (good and bad) stays with you for 7 years.

Threetipstoagoodcreditscore: 1. Pay your bills on time. 2. Only borrow what you need. 3. Use 50% of total revolving credit limits.

A quick glance at this single bit of information gives creditors most of what they need to make judgments about whether you will repay a car loan, mortgage, or credit card debt. Your score is a snapshot of your credit report. This gives creditors instant clues about how you pay your bills. It also shows how you’ve handled credit over the years and even whether financial troubles have led you into the courts.

When looking at buying your first home, you don’t have to have perfect credit. However, you do need to have an established credit history. Most lenders will require you to have at least 2 tradelines with one year of history on your credit report. This should include one revolving tradeline (example: credit card or line of credit) and one installment (example: student loan in repayment or auto loan). Credit cards can get some borrowers into trouble, but when used wisely they are a great way to establish a positive credit history. A starter credit card with a limit of $300 is a safe way to get introduced to the world of credit while limiting

Saving Money and Building the credit you need to buy your first house

By Staff at Minnesota Valley Federal Credit Union



your liability.

Credit is not the only thing you’ll need to buy a house, but your credit history is an important factor for lenders. If you know you want to buy a house in the next year or two, visit www.annualcreditreport.com and see what’s on your credit report. This is a government sponsored site that you can visit once per year for free.

This allows you to find out what lenders will see when they check your credit history. If there are things you need to clean up, take care of them prior to applying for a home loan. When you’re close to buying a house, don’t be sloppy. The last thing you want is to have a missed payment or other negative marks preventing you from purchasing your first home.

home ownership. Often times, the lender requires you to have reserves after the purchase of your home. This assures that the mortgage can be paid even if you experience financial difficulties. A good reserve would be 3-6 months of mortgage payments. Remember, if you plan to buy a fixer-upper, appliances, or new furniture, you’ll want to include these costs in your savings plan.

BuildCredit– If you’re not familiar with what a credit score is, here are the cliff notes. Your Credit Score is a three-digit number designed to predict the level of risk you present as a borrower. It ranges between 350 & 850 and is generated by a mathematical algorithm using information from your credit report.

This three digit number packs a big punch. A low score can end up costing you thousands of dollars in interest over the life of a loan. Also, if your score is too low, you may not even qualify for credit on any terms. Your credit history (good and bad) stays with you for 7 years.

Threetipstoagoodcreditscore: 1. Pay your bills on time. 2. Only borrow what you need. 3. Use 50% of total revolving credit limits.

A quick glance at this single bit of information gives creditors most of what they need to make judgments about whether you will repay a car loan, mortgage, or credit card debt. Your score is a snapshot of your credit report. This gives creditors instant clues about how you pay your bills. It also shows how you’ve handled credit over the years and even whether financial troubles have led you into the courts.

When looking at buying your first home, you don’t have to have perfect credit. However, you do need to have an established credit history. Most lenders will require you to have at least 2 tradelines with one year of history on your credit report. This should include one revolving tradeline (example: credit card or line of credit) and one installment (example: student loan in repayment or auto loan). Credit cards can get some borrowers into trouble, but when used wisely they are a great way to establish a positive credit history. A starter credit card with a limit of $300 is a safe way to get introduced to the world of credit while limiting

Saving Money and Building the credit you need to buy your first house

By Staff at Minnesota Valley Federal Credit Union



xxxxxxxxxxxxxxxx

Stress-free holiday hosting tipsGatherings with friends and family are a big part of

the holiday season. Many people travel during the holidays to spend time with distant relatives, but

those same people often want to gather with those loved ones who live nearby as well. Thus an abundance of gatherings comes in December, when office parties, dinners with family and festivities with friends have a way of dominating the last five weeks of the year.

All of those gatherings translate to a lot of holiday hosting, and hosts can easily feel overwhelmed as they try to juggle hosting duties with everything else that comes along during this time of year. The following are a few steps holiday hosts can take to make hosting a lot less hectic and a lot more fun.

• Enlist help. Just because a holiday party is at your home does not mean others can’t pitch in or will be unwilling to help. If you plan to decorate for the party, invite a friend over to assist. When hosting a holiday dinner party, ask guests to bring certain items to save you some work. Ask one guest to bring some dessert, saving you the time it takes to visit the local bakery or bake your own desserts, and ask others to provide side dishes. This drastically reduces the time it will take you to shop for groceries and cook the meal, leaving you more time to spend with friends and family, both during the party and in the days leading up to the festivities.

• Plan well in advance. The earlier you begin planning the party, the less stress you’re likely to feel as a host. Certain items for the party, like decorations and certain snacks and beverages, have no expiration dates, so buy such items well in advance of the party. This leads to one less task to tackle in the weeks and days leading up to the party. Planning early also affords you ample time coordinate with guests and decide who will be responsible for certain party tasks. Planning a party at the last minute can be stressful, so if you know you will be handling hosting duties this holiday season, start preparing for the party as soon as possible.

• Hire a cleaning service. One of the more difficult parts of holiday hosting is cleaning the house before guests arrive. A thorough house cleaning can take up a substantial amount of time, which tends to be hard to come by during the holiday season. To avoid a late night cleaning session or the need to spend a valuable weekend afternoon hard at work around the house, hire a cleaning service to come and clean your house in the days before the party. Such services can clean your home in a fraction of the time it might take you to do so on your own, and this removes one of the more time-consuming and arduous tasks from your to-do list.

• Have a theme for the party. Holiday hosts may worry about how to entertain their guests throughout the party. A theme party makes it easier to entertain guests, who can show up decked out in holiday pajamas or sweaters or bring along a favorite unique compilation of holiday songs for a sing-along. Such themes set a tone for the party right away and often make it easier for guests to unwind immediately. Seek suggestions for a theme from your guests to make the party even more fun.

• Pass the buck. Hosting a holiday dinner party? Consider passing the hosting duties on to a local restaurant, especially if your friends and family members are on board with the idea. If your schedule is especially hectic this holiday season, then move the party from your home to a local restaurant, where the staff can worry about accommodating your guests and you can simply relax and have a good time with your loved ones. When choosing a restaurant, look for one with a menu that features something for everyone. Entree selections should include a pasta dish, a beef dish, a seafood dish, a poultry dish, and vegetarian fare.

Holiday hosting is meant to be fun, but hosts often find themselves scrambling to prepare for the party as it draws closer. Planning early, seeking help and input from your guests and delegating certain tasks can help ensure hosts have as festive a time as their friends and family members.



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at

507-625-4500Lloyd Lumber Building1860 Commerce Dr.

North Mankato

Building Friends onCommerce Drive

Buy what you want.Rent what you need.®

LloydLumber Co.Your hometownLumber Yard

andRental Center

• Complete Home Design& Drafting

• Helpful &Knowledgeable Sales Staff

• Full Service RentalCenter: From Bobcatsto nailers, trenchers towallpaper steamers, wehave everything you need!

Serving SouthernMinnesota over 65 years

with SuperiorQuality & Service

Stress-free holiday hosting tips

•Hireacleaningservice.Oneofthemoredifficultpartsofholidayhostingiscleaningthehousebeforeguestsarrive.A thorough house cleaning can take up a substantialamountoftime,whichtendstobehardtocomebyduringtheholidayseason.Toavoidalatenightcleaningsessionortheneedtospendavaluableweekendafternoonhardatworkaroundthehouse,hireacleaningservicetocomeandcleanyourhouseinthedaysbeforetheparty.Suchservicescancleanyourhomeinafractionofthetimeitmighttakeyoutodosoonyourown,andthisremovesoneofthemoretime-consumingandarduoustasksfromyourto-dolist.

•Have a theme for the party. Holiday hosts may worryabouthowtoentertaintheirgueststhroughouttheparty.A themepartymakes it easier to entertainguests,whocanshowupdeckedoutinholidaypajamasorsweatersorbringalongafavoriteuniquecompilationofholidaysongsforasing-along.Suchthemessetatoneforthepartyrightawayandoftenmakeiteasierforgueststounwindimmediately. Seek suggestions for a theme from yourgueststomakethepartyevenmorefun.

•Passthebuck.Hostingaholidaydinnerparty?Considerpassing the hosting duties on to a local restaurant,especially if your friends and family members are onboardwiththeidea.Ifyourscheduleisespeciallyhecticthisholidayseason,thenmovethepartyfromyourhometo a local restaurant, where the staff can worry aboutaccommodatingyourguestsandyoucansimplyrelaxandhaveagoodtimewithyourlovedones.Whenchoosinga restaurant, look for one with a menu that featuressomethingforeveryone.Entreeselectionsshouldincludeapastadish,abeefdish,aseafooddish,apoultrydish,andvegetarianfare.

Holidayhostingismeanttobefun,buthostsoftenfindthemselvesscramblingtoprepareforthepartyasitdrawscloser. Planning early, seeking help and input from yourguests anddelegating certain tasks canhelp ensurehostshaveasfestiveatimeastheirfriendsandfamilymembers.


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