The Press-Dispatch
Issue link: https://www.ifoldsflip.com/i/61487
D-12 Spring Home and Garden Wednesday, April 11, 2012 The Press-Dispatch German American offers Equity Express home improvement line of credit vestment, and the equity in your home is also your big- gest asset. Equity Express allows you to use your equi- ty to secure a personal line of credit for whatever you want, whenever you need it! A Strong Solution— Your home is a big in- Things to know before building a deck Census Bureau Housing Survey indicate that home- owners annually spend bil- lions of dollars improving outdoor living areas. One of the most popular Statistics from the U.S. ways to do just that is to add a deck to a home. Decks are beneficial in many ways. Grillmasters love decks because they make the per- fect place to set up a grill and a ta- ble and cook for and friends. Those who simply love being out- doors find decks the per- fect place to relax and soak up some sun or idle away the evening hours. But homeowners who family cause it's not very expen- sive. But manmade materi- als that are a mixture of re- cycled plastic and wood bits or sawdust are also popu- lar because they require no maintenance. But hom- eowners should know that the deck, stopping the sun from breaking down the material. Once you've fin- ished painting, apply seal- ant, whether it's oil- or wa- ter-based. * Don't forget fasten- want to build a deck should know a few things before that process begins. * Permits are necessary. Unless the deck is going to be especially small, you will likely need a permit to build it. Before buying any mate- rials or consulting any con- tractors, make certain you know which permits you need and how to get them. If the proper permits are not secured before the proj- ect begins, you might have to tear down the whole proj- ect and start all over again. * Decks don't have to go manmade materials can get hot in the sun, which will require those enjoying the deck to wear shoes. * Expect to do some dig- ers. Fasteners will hide the screws for aesthet- ic appeal. But not all woods and f a s t e n e r s are the right fit, as cer- tain woods are only compat ible with certain f as tener s . Find out which fas- teners make the right fit ahead of time. Be- Imagine having up to $100,000* pre-approved credit available whenever you need it. Use it to update to energy efficient applianc- es, redo your landscaping, build an outdoor kitchen, freshen up the paint in your house . . . or whatever is on your to-do home improve- ment list. The options and opportu- nities are unlimited. Convenience and Free- dom —Since your Equi- ty Express line of credit is pre-approved, you can write checks anytime (up to an approved limit) without get- ting additional approval. You decide how much you need and when you need it. Equity Express Benefits: • Low interest—rates are generally lower than conventional consumer loans • Monthly statements detail your account activity and payments due • Automatic payment option —monthly payments can be automatically de- ducted from your checking or savings account • Early payment op- ging. If you're going to build your own deck, ex- pect to do some serious dig- ging. Local building codes will dictate how deep you will need to dig for the pier footings, which support the deck's weight. Just how deep you'll dig depends on your climate's specific frost line, but it's safe to assume you'll get a workout in when digging. * The deck can have mul- on the back of the house. If the back of your house sits in the blazing sun all day, then it's probably best to build the deck elsewhere, and that's perfectly alright. So long as the property and permits allow, decks can be built on the side of a home as well, and putting a deck on the side might be more comfortable. * Decks don't have to be made of wood. It's easy to assume all decks are made of plain wood. How- ever, decks can be made out of a wide variety of ma- terials, natural or synthet- ic. Pressure treated wood is perhaps the most popu- lar material for decking be- tiple levels. Though many people associate decks with one level, it's pos- sible to have a multi-lev- el deck if you simply don't have enough room to build a deck that will be big enough to meet all of your needs. A multi-level deck can break up those long flights of stairs while en- suring you will always have somewhere to go to escape the sun on a hot day. * You will want to pro- tect the deck. Decks are a costly investment, and you will want to protect that in- vestment. If you're building a wood deck, keep in mind the sun will beat down on the deck for most of the year. You can protect the deck by painting it. Paint provides sunscreen for 905 Vincennes Ave. | Petersburg, IN | 354-3433 SAVING YOU MONEY d y g r d Choose from a variety of options. is no sweat with our high-ef ciency air conditioners. 24-HOUR EMERGENCY SERVICE Your area's newest Bryant dealer, offers more than 70 years combined HVAC experiences. Air conditioners range from 13 to 20 SEER, we have a wide range of ef ciency options to t your budget, so you can save year after year, summer after sweltering summer. Enjoy high-ef ciency comfort today with our nancing options. 331 Mill Street, Jasper • 812-482-3757 www.AdventuresRecreation.com cause fasteners conceal the screws, they also make it possible to go barefoot on the deck. A deck makes a great ad- dition to many homes, but homeowners should learn as much as possible about decks and what goes into building them before mak- ing any decking decisions. tion—no penalties apply should you decide to make early payments to reduce principal and save on inter- est • Free check writing— up to four checks monthly ductible (consult with your tax advisor) • Connect with your •˜Interest may be tax de- checking account—use your Equity Express line of credit as overdraft protec- tion on your checking ac- count Contact Ron Sharp or Joshua Stolz, lending ex- perts at German American, by calling (812) 354-8471 or by visiting 305 E. Main Street in Pe- tersburg, to open your Eq- uity Express Home Im- provement Line of Credit today! * Subject to credit ap- proval. Equal Housing Lender. Bank Deposits: FDIC Insured. Ron Sharp: NMLS #527566. Joshua Stolz: NMLS #527567. E v e i s r d a t y a y a l a i o e n o a p W y .