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  • First things first, get motivated. The first supply you need when putting holiday decorations away is a healthy dose of motivation. Plan a day when you can pack away decorations, and do not schedule anything else for that day.  
  • Invest in large plastic tubs for seasonal storage. But not too large, you don’t want them to be hard to lift. Label the exterior of the tubs with the contents.
  • Divide your home up into quadrants. You likely use the same decorations in the same places each year. To make decorating easier next year, dismantle holiday displays and pack them up according to specific areas of the home.
  • To keep ribbons – especially the wired kind – fresh and uncreased, save the spools so you can
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Why Pipe Freezing is a Problem

Water has a unique property in that it expands as it freezes. This expansion puts tremendous pressure on whatever is containing it, including metal or plastic pipes. No matter the "strength" of a container, expanding water can cause pipes to break. Pipes that freeze most frequently are those that are exposed to severe cold, like outdoor hose bibs, swimming pool supply lines, water sprinkler lines, and water supply pipes in unheated interior areas like basements and crawl spaces, attics, garages, or kitchen cabinets. Pipes that run against exterior walls that have little or no insulation are also subject to freezing.

Preventing Frozen Pipes

Before the onset of cold

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BOTANICAL GARDEN | NORFOLK

More than a mile of lit displays and botanical creations make for a delightful walk through a merry wonderland. The centerpiece, however, is the conservatory. Beautifully lit and housing indoor displays, it’s not to be missed. Seek out the fire pits and make yourself a s’more along with hot chocolate to set the festive mood. More locations available visit the site for more information!

BUSCH GARDENS CHRISTMAS TOWN | WILLIAMSBURG

You won’t find anything that compares to Busch Gardens when it’s transformed into Christmas Town. The jolly elf and Santa are one of the best and the themed areas are great fun. Millions of lights paired with the top-notch shows Busch Gardens is known for equals a night your family won’t

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  • DO AN AUDIT

Consider having an energy audit done to find out where you have energy inefficiencies and how to improve your energy savings. You can pay a professional for these checkups, but some local programs or utility companies may provide one for free.

  • WEATHERIZE

Seal leaks around the house. This could include caulking or weather-stripping around leaky doors and windows or gaps around chimneys or recessed lights. The Energy Trust of Oregon says weatherization is one of the easiest ways to increase comfort, conserve energy and save money. Fixes could be as small as covering drafty windows with insulating drapes, shades or even heavy-duty plastic. Or you may want to replace older windows with newer, more energy efficient

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  • A parent or responsible adult should always accompany young children on their neighborhood rounds.
  • Obtain flashlights with fresh batteries for all children and their escorts.
  • If your older children are going alone, plan and review the route that is acceptable to you. Agree on a specific time when they should return home.
  • Only go to homes with a porch light on and never enter a home or car for a treat.
  • Because pedestrian injuries are the most common injuries to children on Halloween, remind Trick-or-Treaters:
    • Stay in a group and communicate where they will be going.
    • Remember reflective tape for costumes and trick-or-treat bags.
    • Carry a cellphone for quick communication.
    • Remain on
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Perhaps you're not feeling candy this year. Don't worry, there are plenty of things you can give trick-or-treaters instead of the sweet stuff. 

1. Glow sticks

Could there be a more perfect accessory for Halloween? Kids can light them up with a snap and wear them as bracelets, necklaces and crowns. Bonus: they make it easier for parents to keep their eyes on their kiddos.

2. Stickers

Choose from the assortment of ghosts, witches and pumpkins available in stores in October or go with stickers with year-round appeal, like super heroes and animals.

3. Bubbles

Hours – or at least a few minutes – of bubble-blowing entertainment in every little bottle.

4. Plastic spider rings

Kids love to wear creepy-crawly bling, making spider

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No down payment on VA loan – Most home loan programs require you to make at least a small down payment to buy a home. The VA home loan is an exception. Rather than paying 5, 10 or 20 percent of the homes purchase price up front in cash, you can finance up to 100 percent of the purchase price with a VA loan. It is a true no money down opportunity.

It’s easier to qualify for VA loans- Like all mortgage types, VA loans require specific documentation, an acceptable credit history and sufficient income to make your monthly payments. But, as compared to other loan programs, VA loan guidelines tend to be more flexible. This is made possible because of the VA loan guaranty. The Department of Veterans Affairs genuinely wants to make

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Virginia is a state known for Lovers therefore the amusements and the get-together's for you and your loved ones are never ending. There are numerous festivals held around the Hampton Roads Area each season. The events vary in activities insuring to appeal to any crowd interested. Summer has ended but the friends and family don’t have to! Don’t miss out in bringing in the fall with a bang.

Listed below are some of Hampton Roads most popular Fall Festivals and events that will peak the adventurer within for the month of October:

Annual Town Point Wine Festival 

Bacon Festival

Busch Gardens Howl-O-Scream

FilFest

Pumpkin Patches

Virginia Beach Craft Beer Festival

ZooBoo

 

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1. Protect your windows and doors.

Whether with impact-resistant glass or shutters, protecting doors and windows against high winds and flying debris is imperative. Hurricane-force winds can hurl objects that act like bullets. Consider installing shutters or providing a system, such as a track, to easily install shutters in case of an approaching storm. Although the shutter wouldn’t be a permanent fixture on the exterior of your home, the track or other fastening hardware would be. So make sure the hardware is integrated with any other exterior improvements you plan to make. Garage doors are real weak spots for hurricane-force winds. If the door gives way, the winds can enter the house and cause the roof to be torn off. Prevent this by making

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In the market for a new home but have no idea where to start? There are several decisions you should begin to make before you even start your home search. After considering all these factors, you'll be ready to start the home search with a clearer picture of where you're headed.

1. What's your budget? See how your finances stand up to the 28/36 rule, which lenders use to see what you can afford to pay each month. The "28" refers to the percentage of your gross monthly household income that should be allocated for housing costs each month, including principal, interest, taxes and insurance. The "36" represents the total debt that you carry. It shouldn't exceed 36 percent of your total income. A financial

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