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Practical steps to plan a remodel

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(Family Features) If you’re planning a home remodeling project but don’t know where to start, you’re not alone. Starting any remodel or renovation can be nerve-wracking, but having the right steps in place, from picking the project to smart financing strategies, can lessen the stress.

Before beginning any project, homeowners should consider what projects they want to prioritize, what they can afford and smart financial solutions to pay for it all. This can help you complete the project on time, on budget and with less stress.

Do Your Research
Part of being prepared for a renovation project is doing your research. That means considering design and material options that reflect your personal tastes and what might add the greatest value to your lifestyle and home. It’s also important to plan ahead for factors like long lead times for contractors or supplies.

Establish a Budget
Before you begin planning a project, determine what you can afford. If your list of upgrades is larger than your budget allows, consider a short-term budget and a long-term one so you can tackle some smaller projects more immediately and save the bigger renovations until you’ve had a chance to save or secure additional financing.

Set a Financial Strategy
Setting a budget and determining your financial strategy aren’t quite the same thing. Once you have a budget set, you’ll need to decide how to pay for the work. According to a survey by online lender LightStream, savings accounts provide at least some capital for about 66% of homeowners who plan to renovate. However, in today’s uncertain economy, depleting a savings account may make you nervous, especially if you’re tapping into an emergency fund.

Credit cards are a financial strategy about 30% of homeowners will use. However, unless card charges are paid off quickly, you may end up carrying that debt for years, making your project much more expensive due to high interest rates over a long repayment timeline.

An unsecured consumer loan, like those provided by LightStream, may be another financing option and can often save thousands in interest charges compared to credit cards. Homeowners with good credit can borrow up to $100,000 at fixed rates with no fees. Funds can be deposited directly into customers’ bank accounts as soon as the day they apply and can be used to pay for any renovation service, finishes or products.

Prioritize Projects
With your budget in mind, you can turn your attention to which renovations to prioritize. When possible, begin with your home’s most immediate needs, even if they may not be the most exciting projects. Go for lasting impacts rather than cosmetic fixes. Repairing a leaky roof or crumbling foundation may not be as dreamy as creating a chef’s kitchen, but it’s important to make sure the projects you elect to do sooner set you up for success­­ – and improved home values – later.

Beyond critical repairs, the survey found the most popular projects homeowners planned this year include kitchen (38%) and bathroom remodels (32%). Building home offices also jumped in popularity as the pandemic drove a focus on upgrading remote workspace, doubling to more than 26% of planned projects.

Consider the Environment
For many homeowners, Mother Nature plays a role as to which renovations are prioritized.

About 35% of survey respondents said they plan to invest in projects that improve their outdoor living spaces. When it comes to indoor improvements, consumers are interested in incorporating eco-friendly and sustainable products such as smart systems, energy-efficient lighting, solar panels, air and water filtration systems, insulated windows and other money-saving, eco-sensitive products.

Many people are also choosing to work with companies that are committed to environmental responsibility. For example, through a partnership with American Forests, LightStream plants a tree every time it funds a loan, totaling more than 1 million trees planted across the United States.

Find more advice to get your home improvement project underway at Lightstream.com/remodel.

Photos courtesy of Getty Images


SOURCE:
LightStream

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Ecommerce in 2025: 5 trends shaping the future of online selling

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(Family Features) Thanks to the explosion of ecommerce over the past couple decades, consumers can find virtually any product or service they can think of online. In fact, the consumer ecommerce market is expected to approach $6 trillion by 2027, according to the International Trade Administration, up from roughly $4 trillion in 2024.

A diverse collection of product segments is driving this growth, including everything from fashion and furniture to food and beverage. While major marketplace retailers still lead the category, ecommerce has become commonplace among small businesses, too. In fact, by the end of 2023, an estimated 80% of small businesses had at least basic ecommerce capabilities, according to a report by Digital Commerce 360.

However, small businesses are grappling with challenges such as inflation, supply chain issues and keeping pace with major retailers, among others, that are driving a variety of ecommerce trends in 2025 and beyond, including:

Video Content
Spurred by social media, video content is in high demand on ecommerce sites, too. Videos that explain how to use products, offer tips for using them and demonstrate projects that were completed using a product all earn favor with shoppers. In addition, videos that highlight product features, video reviews on social media and “live shopping events” on the social channels of ecommerce retailers can provide a more appealing interactive experience for shoppers.

Inclusive of the “live shopping events” trends, livestreaming is often popular among consumers as it can create a sense of FOMO (fear of missing out), leading to enhanced brand loyalty and engagement. Short-form videos sweeping social media also drive engagements and offer a quick, appealing way to demonstrate new or popular products.

Personalized Products
Ecommerce provides opportunities for shoppers who appreciate buying products that are uniquely their own. Online buying platforms that allow for customization of products such as shoes, clothing and drinkware can create buyer engagement and earn loyal shoppers who know they can purchase the items they want exactly to their own specifications. In fact, a survey by McKinsey Insights found 80% of loyal customers prefer shopping with brands that offer tailored choices and personalized experiences. From color selection and accessories to performance variations, custom options can help create a highly personalized shopping experience that allow buyers to interact more directly than they would for a standardized transaction.

Beyond the initial purchase, customized reports and shipping notifications are also becoming the norm. Shippers can alert customers to their products’ delivery status – including any delays or changes – via email, text, video message or, in some cases, a customizable dashboard where consumers can view incoming shipments tied to their account or address, request a different delivery time or location, pre-sign for packages and more.

Micro Purchasing Moments
You may think phenomena like impulse buys or convenience purchases are reserved for brick-and-mortar stores, but micro-purchasing trends suggest otherwise. These purchases are typically made by someone looking for a quick solution or information in a hurry from a mobile device, such as comparing two or more similar products and clicking a “buy now” link, ordering and paying for food ahead of time to skip the line, making a hotel or excursion reservation while traveling or looking up movie showtimes and purchasing tickets from the same page. Ecommerce sites that can establish themselves as a resource, make information easy to digest and simplify the purchasing process are earning customers (and revenue).

Flexible Payment Options
Online purchases were once limited almost exclusively to credit card purchases, but over time, businesses have granted greater flexibility to shoppers when it comes to collecting payment. While this trend has been growing for several years, many contemporary ecommerce sites now accept credit or debit cards, online checks, digital wallet and mobile payment services, cryptocurrency and even installment payments via third-party providers. By 2029, the third-party payment market is expected to almost double from $62.5 billion in 2024, according to findings from Mordor Intelligence.

Simplified Shipping Options
Evolving technology isn’t just improving the browsing and purchasing side of ecommerce; shipping operations are also seeing enhancements. For example, ShipAccel, a digital platform designed by Pitney Bowes, simplifies and enhances shipping operations with advanced ecommerce technology. The platform empowers early ecommerce brands to ship like larger companies with access to discounted carrier rates; more than 80 integrations including leading marketplaces, data and insights to help make smarter shipping decisions; branded tracking; and return capabilities. It features a collection of apps, widgets and application programming interfaces to easily configure new workflows and seamlessly meet the demands of business growth.

“As ecommerce becomes a mainstay, shippers must take a technology-first approach, utilizing platforms that can grow along with the business and partnering with providers who offer deep expertise in the segment,” said Shemin Nurmohamed, president of Sending Technology Solutions at Pitney Bowes. “As a result of using technology like ShipAccel, ecommerce shippers can save money, enhance operational efficiencies and delight customers – all of which support the business’ bottom line.”

Find more shipping support for your ecommerce business in the coming year at shipaccel.com.

Easy ECommerce Shipping Tips

Whether you’re a buyer or a seller, getting smart about shipping can help improve your ecommerce experience.

Be cost-conscious. Buyers obviously benefit from lower costs, but as a seller, managing shipping costs means more revenue. Volume discounts and options for lower prices with longer shipping times can make a bigger impact than you might expect. A shipping partner that has pre-negotiated discounted rates with carriers can deliver significant savings to your business, too.

Reduce package sizes. Using boxes or padded envelopes that closely fit the product being shipped can reduce weight and therefore the cost to send it to the customer. Also avoid excess packaging that adds bulk, which adds cost and waste.

Utilize advanced tracking tools. Keep tracking information for everything you ship or buy so you can monitor its safe delivery or, if problems arise, promptly identify and correct the issue. An option like ShipAccel uniquely provides branded tracking updates so your business stays front and center with your customer from click to porch.

Photo courtesy of Shutterstock (woman using laptop)


SOURCE:
Pitney Bowes

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Container design for beginners

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As spring approaches at jet speed and you start thinking about planting mixed containers but perhaps with a little fear of the partnerships keep in mind three-part harmony. It certainly works in church music, and it is perfect for gardeners too. In the world of garden color, we call it triadic harmony.
Simply put triadic harmony is three colors spread equal distance apart on the color wheel. So in the mixed container or basket this would be three colors of flowers to create pleasing harmony.
Rowe Farms is not only one of my favorite growers of seasonal flower color, but their Facebook page is a textbook on design ideas.

Read the full Garden Guy column in the Thursday Bowie News.

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Cutting-edge laptops for power, productivity

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(Family Features) Freelancers, creatives and on-the-go leaders know they can only go as far as their tech takes them. Make sure you – or the loved ones in your life – can harness the power of productivity with the latest gadgets.

Whether you need to power more productive work hours or seek inspiration for “you” time, ignite performance with these laptops powered by the Snapdragon X Series. Multi-day battery life, unmatched performance and on-device AI capabilities allow you to power through tasks – business or personal – uninterrupted. Unlock exceptionally fast processing power and experience game-changing speed, power efficiency, enhanced security and simple device management.

Discover tech solutions for both professional and personal use at Qualcomm.com/Snapdragon.

Streamline Creativity with a Smart Sidekick

Unlock the freedom of creativity with AI-powered performance on the ultra-slim Lenovo Yoga Slim 7x powered by Snapdragon X Elite. Dazzling 3K PureSight OLED display with 1,000 nits peak brightness and Comfort Edge Design are engineered for on-the-move creators. Built for next-gen AI experiences, it’s not just smart – it’s your creative sidekick that knows what you need before you do, streamlining tasks with leading on-device intelligence action. Amazingly slim and unexpectedly tough, find out how AI can match your A-game.

Take AI to New Heights

Push your AI experience to the next level with the Dell Inspiron 14 Plus powered by Snapdragon X Plus, built with a portable design backed by all-day battery life up to 15 hours. With groundbreaking on-device AI and powerful performance, it enables a faster and more efficient experience from virtually anywhere. It’s easy on the eyes with Dell ComfortView Plus, a tall 16:10 aspect ratio for more vertical space and less scrolling, a hardware low blue light solution and vibrant details from the QHD+ resolution, 400-nit brightness level and Dolby Vision.

Level Up On-the-Go Creativity

Designed for tech-savvy freelancers and on-the-go leaders, the HP OmniBook X powered by Snapdragon X Plus is built with a sleek design and the perfect synergy of AI-enhanced power and mobility. It’s sleek and versatile with multi-day battery life, taking productivity and creativity up a notch through style, function and mobility. Lightning-fast responsiveness provides top performance without sacrificing portability for work and play as you can stream up to 12 hours of video calls or binge 22 hours of your favorite shows.

Speed Up Productivity

Bringing intelligent AI solutions to your fingertips with features that effortlessly streamline settings, optimize your video experience and elevate communication, the Acer Swift 14 AI powered by Snapdragon X Elite delivers exceptional responsiveness with multi-day battery life. Peak performance with lightning-fast data speeds and responsiveness allows you to work efficiently and enables multitasking with ease. Bring work to life with a color-rich OLED display in a premium ultra-thin chassis with Copilot+, which helps boost productivity and security with on-device AI solutions.

Photo courtesy of Shutterstock (man and woman using laptop)


SOURCE:
Qualcomm

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