Indianapolis Community and Life

Valentine's Day for the Romantically-Challenged on a Budget

Posted by Paula Henry on Jan 29, 2015 10:30:00 AM

Valentine's Day is right around the corner. It may not be your favorite holiday if you're a bit romantically-challenged. It might be even more difficult if you're on a tight budget with the purchase of a recent home (or if you're saving up for a downpayment).

If hearts and Cupid aren't your thing - or a $75 bouquet of roses isn't in your budget - look no further. There are plenty of ways to say "I love you" in thoughtful ways without breaking the bank. hearts

1. Tap into Your Inner Artist

Even if you're not Picasso, you can still be creative in artistic ways. Make a handmade card with some construction paper or design one in Word and print it out. If you have access to additional supplies, you could paint a picture of a romantic getaway you two took. Or do a chalk drawing of a vase of your spouse's favorite flowers. You could cut out words and images from magazines that remind you of your loved one and make a collage. If you're feeling especially crafty, make some origami hearts and place them around your home.

2. Create an Affirmation Box or Jar

Who doesn't love to hear how wonderful they are? Take a pad of sticky notes and write words of encouragement. You can include phrases like "I love ______ about you" or "I love that you____." Write 52 - enough for your spouse to read one a week. Put them in a decorative box or jar (wrap a random shoebox or decorate a washed spaghetti jar). It's a great way for your loved one to feel special year-round!

3. Prepare an Indoor Picnic

Gather some finger foods and/or make some appetizers. Pop open your favorite beverage. Spread out a blanket on the floor. Light some candles and play some music. Enjoy a romantic time of snacking and talking. If you need topic suggestions, try to remember your first 5 dates!

4. Put your Pen to Paper

They say a picture is worth a thousand words. Instead of taking/printing a picture, take a stab at crafting your words. Write a poem (rhyming or not), a haiku, or a sonnet. Pen a handwritten love note. If you want to plan in advance for next year, you could start a private blog that you keep throughout the year sharing fun memories and highlights of your year together.

5. Make a Treasure Hunt

Send your loved one on a journey around your home (or around our beloved city). Try to send your spouse to places or items that are reminiscent of your history together. At the end, you could have him/her find a love letter or your affirmation box or one of your artistic creations. For just a few dollars, you could upload photos to Walgreens or CVS and print a photo collage to put in a nice frame.

As you can tell, there are plenty of creative ways to say "I love you," even when you might be romantically challenged and on a budget.

Happy Valentine's Day from Home to Indy!

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Topics: Indianapolis

5 Ways to Improve Your Home With Your Tax Return

Posted by Paula Henry on Jan 27, 2015 10:30:00 AM

It won't be long before our W-2s will be arriving in the mail; tax season will soon be upon us once again. For those of you with refunds coming your way, we love the idea of investing it in your home! Your refund may not be enough to redo your kitchen or bathroom, but it can pay for some smaller home improvements. Here are 5 ways to add space and value to your home for less than $1,000. 


Organize your closet - $500

Has your closet become an avalanche waiting to happen? You need a closet organizer. First, empty the closet and decide what to keep, toss, donate, consign or sell. Once you know what stays, you can pick a system  accordingly. Most manufacturers of closet organizers offer an online tool with customer support. For example, at, you can choose a layout similar to your closet’s and enter measurements, then drag and drop closet kits onto the rendering. The tool will generate a shopping list of appropriate components available directly from Rubbermaid and at Lowe’s and Menards stores. A walk-in closet with two 6-foot-long walls and one 8-foot-long wall would require three kits totaling $440. (Accessories, such as a two-drawer unit, would push the total above $500.) 

Reclaim your garage - $1,000

Many homeowners have a no-car garage because it’s so full of stuff that there’s no room to park a vehicle. Look for a slatwall system that uses molded plastic panels with slots from which you can hang hooks, shelves and baskets. Fasten the panels to your garage walls via one of several methods, such as drywall screws into studs. You can order a starter kit directly from a manufacturer like storeWALL.

Replace a window - $500

Do you have a window that’s especially leaky or tough to open or close? Replace it. If the framing is fine (try poking a screwdriver into the sill to see if it has rotted and use a level to see if it’s reasonably square), you can install a replacement window into the original opening, replacing the sashes, side jambs and trim. Expect to spend $100 to $500, depending on the material and features (vinyl is cheaper than wood). A handyman may charge anywhere from $30 to $100 to install it, and as much as twice that if a new frame is required. 

Update your lighting - $500

Are you living with outdated light fixtures that aren’t yet fashionably retro? Switch out one or more, especially in a prominent place, such as over your dining-room table. If you're environmentally friendly, look for Energy Star-rated fixtures, which use one-fourth the energy of traditional lighting. 

Make over your cabinets - $1,000

Give your dowdy kitchen cabinetry a lift with paint and new hardware. Proper preparation -- cleaning, sanding, priming and painting with an oil-based or 100% acrylic paint -- is key to a good-looking, long-lasting result. Using a paint sprayer helps, too (rent one from a paint or home-improvement store). Pros charge an average of $547 to do the job with one coat of paint on 150 square feet of base and wall-hung wood cabinets, according to Do It Yourself or Not. You can cut the cost of painting to about $200, regardless of size, if you do it yourself. Don't forget to update the handles on your new cabinetry - they are the jewelry of the kitchen!

Looking for more ideas? You could install a backsplash in the kitchen, replace a faucet or sink, paint a wall or door, or spruce up your entryway with a bench. What ideas do you have for investing tax return money in your home? Let us know in the comments below!

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Topics: Home Repairs

Are You Protected? Insurance Riders You Might Need

Posted by Paula Henry on Jan 25, 2015 10:30:00 AM

Whether you just bought a new house or you've been living in yours for 30 years, chances are you want to protect your home and everything in it. But home insurance doesn't always cover everything. That being said, here are some insurance riders you might need to protect your home.


Standard home insurance policies cover many types of losses. However, a home insurance rider (also called an "endorsement" or "floater") may be required to cover certain things that are limited or excluded by the policy. Here are a few conditions that require a home insurance rider:

Personal Property

The personal property coverage under a standard home insurance policy is full of limitations. For example, some types of personal property are covered, but only up to a specific amount and that amount may be only a fraction of the actual value (i.e., jewelry, firearms, collectibles, money, etc.). Additional coverage for the full value of such property may require a home insurance rider.

Electronic Equipment

Coverage for computer equipment and data is often limited by standard homeowners insurance. You may need to purchase a home insurance rider for additional coverage.

Home Business

More than 20 percent of American households double as a business headquarters. Standard homeowners insurance is very limited on coverage for property used in business operations. Most policies are more restrictive toward business-related liability (i.e., a customer is injured while in your home), often excluding such claims altogether. If you operate any form of business out of your home, consider adding a business-based home insurance rider to your policy.

Secondary Residence or Income Property

If you own another home that is used as a secondary residence or rental property, you may be able to obtain coverage for that property by adding a rider to your current homeowners insurance policy. If available, this method may be cost effective versus separate policies for each property.

Sewer and Drain Back-Up

A backed up sewer or drain can cause significant damage to your home. This type of loss may be excluded under your homeowners insurance. If so, a home insurance rider may be necessary to add this coverage.


Coverage under your insurance policy may be limited for theft of personal property. A home insurance rider may be available to increase coverage for loss caused by theft. 

If you aren't sure what your home insurance policy covers, we encourage you to check it out ASAP.

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Topics: insurance riders

8 Things You Need to Know Before Moving to Indy

Posted by Paula Henry on Jan 22, 2015 10:30:00 AM

We love living in Indianapolis, and we love introducing people to the joys of living here (of which there are many). Here are a few things you need to know before moving to Indy.


We like making and watching left turns.

We're home to the Indianapolis Motor Speedway, the racing capital of the world. The famous track is home to the renowned Indianapolis 500, the Angie's List Grand Prix, the Brickyard Vintage Racing Invitational, the Crown Royal 400 at the Brickyard, and the Red Bull Indianapolis GP. That's a lot of left turns!

We have a canal that will remind you of Venice.

Downtown Indianapolis has a beautiful canal that has European-style bridges, Segway tours, gondola rides, and the NCAA Hall of Fame at the end. What's not to love?

We (still) love Peyton Manning and hate Tom Brady.

Although we adore Andrew Luck, true Colts fans still have a special place in their hearts for Peyton Manning, who hung up his Indianapolis jersey in March 2012 after 14 seasons. Oh, and if you're Coltstrong, you instinctively boo at Tom Brady.

We like to run.

People refer to the 500 Festival Mini-Marathon as "THE Mini" because it's the largest half-marathon in the nation, and it's hosted downtown. If you move here, chances are you'll end up participating at least once. If you don't, you'll know someone who has.

We have bipolar weather.

In the dead of winter, we can have low temperatures in the negatives. In the summer, we usually reach at least 100 degrees. The beauty of our bipolar weather is that we get to experience all 4 seasons!

We fry our pork.

You've never had pork done right until you've had it breaded, fried and placed on a bun that's half its size. You can get them easily at the Indiana State Fair (along with an assortment of other fried foods), but they're also found year-round on some local menus.

We like to make our own beer.

Craft beers are a big deal here. Local brews are made at Sun King, Flat 12, Fountain Square, Triton, Bier, and Three Wise Men just to name a few. You'll need a designated driver if you want to try them all.

We've got some artsy statues.

Carmel's Arts and Design District is home to 16 (and counting) sculptures of people that will have you doing a double-take because they look so real. Oh, and we can't forget Dancing Ann, a sculpture downtown that has four rectangular panels with LED screens all displaying an animated image of a woman dancing. She's sure to get your groove on.

What did we miss? What do people need to know before moving to Indy? Leave your comments below!

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Topics: Indianapolis, Moving to Indianapolis

From Here to There: Uber, Lyft or Cab?

Posted by Paula Henry on Jan 20, 2015 10:30:00 AM

You need to get from Point A to Point B, but you don't have a vehicle. In the past, the obvious choice would be to call a cab. But recent apps like Uber and Lyft are giving cabs a run for their money. With so many options, which is best? Let's take a look at each and what they have to offer.


Traditional Taxi

Taxis are the age-old method of transportation in big cities. You step on the curb and hail one simply by raising your hand. You climb in the back of your ride (usually a bright yellow car) and tell the driver where you want to go. The meter on the dashboard keeps track of your bill. Drivers prefer to be paid in cash but some offer credit card swipes. You get from here to there - with varying degrees of cleanliness and professionalism from the driver.


Not surprisingly, transportation now "has an app for that" that can simplify the process of getting a ride. Rather than hailing a cab or calling a taxi dispatcher, you launch an app. Your phone tells the service where you are and shows you the nearest potential rides on a map with little car icons crawling around the screen like gerbils. As your ride comes to pick you up, you can watch its avatar scamper across the map—offering a level of assurance and ETA not available with traditional taxi companies.

With all the services, you use a credit card through the app—no swiping or fumbling for cash. Lyft and Uber ping nearby drivers and tell you which one will show up. The apps don't automatically calculate your fare, but they warn you if they're going to charge rush-hour rates, called "surge" pricing by Uber and "prime-time" pricing by Lyft.

Oftentimes, these nonprofessional drivers go out of their way to provide good service because they knew that the passenger will be rating them. Most apps let you cancel a pickup from a poorly rated driver. 

Uber vs Lyft 

Although Uber and Lyft may be similarly app-based, they still have their differences.

Uber = "Everyone's a private driver." 

Uber drivers act like chauffeurs, with passengers in the back. They are known for their black cars and SUVs. Uber encourages drivers to be professional, dress nicely, and greet the passenger with an open door. This professionalism trickles down to their UberX product, recommending that drivers wear a collared shirt and generally look professional. They also advise that drivers should put bags in the trunk.

Lyft = "Your friend with a car."

Lyft drivers invite riders to sit up front, affix pink mustaches to the fronts of their cars, and give riders fist-bumps when they hop in. Lyft encourages uniqueness. Drivers are oftentimes musicians, artists, and entrepreneurs, and their personalities come through via their clothing and their cars. Drivers are known to goofy concepts, such as the Disco Lyft, the Karaoke Lyft, and the Chalkboard Lyft. Cars are clean and safe, but rides are treated as an opportunity for an experience.

What it boils down to

Preference is really what it boils down to. If you live in a big city with lots of available cabs, it may be easier for you to step outside and hail one - especially if you may not have joined the smart phone revolution. Uber offers a more cheuffered experience, so it might be your preference if you desire a professional ride. Lyft cars may have a more fun, relaxed, goofy experience (beginning with their bright pink mustaches). You can't go wrong with any of the three. It's just a matter of how you want to get from here to there.

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Topics: Indianapolis, Transportation

Protecting Your Home with Nest: Why We Love This Technology

Posted by Paula Henry on Jan 18, 2015 10:30:00 AM

Here at Home to Indy, we're not usually ones to push products. But we are so in love with Nest (and we're equally convinced that you will be too) that we wanted to share it with you. 

If you own a house, chances are you take precautions to protect your home with items like a smoke detector, carbon monoxide detector, and a security system. What if we told you that you could control all of those items with a few clicks on your phone (and you would save money and energy by doing so)? Hard to believe, right?

Meet Nest. It's our new favorite technology for homes. Here's why.


Nest saves energy.

Most people forget to change their thermostat when they leave the house. The Nest Learning Thermostat figures out your schedule and programs itself to be more energy efficient. All you have to do is turn it up or down with your preferred efficient temperatures for a few days. Within a week, it will start setting them on its own. (It's that easy!) With its Auto Away feature, it knows when you're home and when you're gone (and adjusts temperatures accordingly).

Nest is accessible from your phone.

The Nest App allows you to connect to your thermostat from your phone. So if you're heading home early and want to warm up the home, you can do so with a swipes on your mobile. You can also track your savings (of money and energy) with its monthly reports - also accessible from your phone. If you utilize Nest Protect (its smoke alarm and carbon monoxide detector), Nest will alert you on your phone if something has gone awry in your home. It also lets you know that your batteries might be getting low. 

Nest integrates with third-party products.

You can easily integrate other products in your home to Nest in order to make life a little easier. Nest knows if you're away, so it can keep the dryer running to make sure your clothes don't wrinkle. It connects to your Dropcam security camera, which will save a clip if your fire detector goes off. You can connect Nest to your Rachio sprinkler system which can turn on your outside sprinklers if Nest Protect tells it there's a fire. But that's not all. Check out the entire list here. (Prepare to be amazed!)

If you're looking for ways to be more green, save money, have mobile control over your home-protection devices, and integrate with third-party products, then Nest is for you.

Do you have Nest? If so, we'd love to know what you think of it! Let us know in the comments below! 

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Topics: Green Living, Home Protection

Craving Creativity? Fun Activities in Indianapolis to Spark Your Imagination

Posted by Paula Henry on Jan 15, 2015 10:30:00 AM

There's nothing worse than being bored or having writer's block. So if you're craving creativity or looking for some fun activities to spark your imagination, Indianapolis is a great place to be! You can feed your inner thespian at the IRT and artist at the IMA. The Children's Museum is full of creativity for both adults and children. But there are other ways to creatively tease your brain here in Indy. Here are a few of our favorite out-of-the-box activities that Indianapolis has to offer. 


Rhythm! Discovery Center

Feel the beat at the Rhythm! Discovery Center! Located at the corner of Illinois and Washington Streets downtown, the Rhythm! Discovery Center is sure to tickle your musical talents as you make your own music. Find your own rhythm with their innovative, interactive exhibits and artist performances. You'll learn about cultures from around the world and how rhythm and percussion has shaped communications, art, music, and our society in this engaging experience. Try your hand at percussion in their exhibit rooms. You may just find your inner Ringo Starr!

Indy Racing Experience

Buckle up as you head to the Indy Racing Experience, where you will experience IndyCars at full speed! Located in Speedway, the Indy Racing Experience is ultimate activity for race fans and car enthusiasts. Choose from driving or riding in an Indycar or a stock car on a variety of courses. You can even take a victory lap at the Indianapolis Motor Speedway. No previous racing experience is required, but it's sure to open your mind at record-breaking speed!

Indianapolis Art Center

Your inner Monet is sure to shine at the Indianapolis Art Center. Located along the White River, you can take an art class in almost any medium (wood, photography, ceramics, glass, printmaking), view featured exhibitions, have a conversation with full-time artists. You will engage your mind, enlighten your soul, and inspire you to new levels of creativity. 

SpaceQuest Planetarium 

Be transported into a world of stars, galaxies, solar systems, and other space wonders in the 130-seat, full-dome planetarium. Learn to identify constellations, experience the jewels of the Indiana night sky, and watch super novas form before your eyes. As part of the Indianapolis Children's Museum, SpaceQuest Planetarium is located downtown Indianapolis and is tailored to children under the age of 12. Admission is free. Your cosmic journey awaits! 

What did we miss? Where do you like to go in Indianapolis to spark your creativity? Let us know in the comments below. 

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Topics: Things to do in Indianapolis

Dive In! Indoor Waterparks You'll Want to Visit

Posted by Paula Henry on Jan 13, 2015 10:30:00 AM

It's the dead of winter here in Indiana, and if you have children they might be getting a little restless. Why not make plans for a family road trip to visit some indoor waterparks? Not only will the kids get some energy out, hopefully the parents can enjoy a few days away as well. Check out these indoor waterparks within driving distance that are fun for the whole family!


Big Splash Adventure

Located in French Lick, Indiana, this 40,000 square foot indoor waterpark is enclosed with a glass structure that protects you from the elements while still letting light in. (When it's nice outside, the roof of the water park can be retracted to open the park to the outdoors.) Sporting a pirate theme, you'll find water attractions like the gentle flowing Lost River that you can float on, Buccaneer Bay a three-story water play structure topped with a tipping water bucket, and single and double tube rides and two speedy body slides. For adults, there is a reserved area called Palm Cove to get away from the kids and for young children.

Caribbean Cove

Right here in Indianapolis is Caribbean Cove, an indoor waterpark that's part of the 344-room Holiday Inn North at the Pyramids. The 50,000 square foot indoor waterpark features three waterslides, a plunge pool, a sports activity pool with basketball, a lazy river and a water structure with 700-gallon dumping bucket. Caribbean Cove also has an arcade with video and redemption games.

Great Wolf Lodge 

Great Wolf Lodge is located about 2.5 hours east of Indianapolis in Cincinnati, Ohio. Your Great Wolf Lodge adventure begins in our massive, 84-degree indoor water park. Splash the day away in over 79,000 square feet of water-packed excitement, including jaw-dropping slides for thrill seekers or zero-depth entry areas for little ones. Grab a wand and battle a dragon in MagiQuest or get an ice cream-themed manicure in Scoops Kid Spa before gathering your family in the Grand Lobby for nightly Story Time, the perfect ending to a Great Wolf day.

Buccaneer Bay

Lafayette, Indiana, is home to Buccaneer Bay at the Best Western and the 23-foot waterslide. In addition to their slides, they also offer a kiddie pool, hot tub and arcade. Day passes are available without a hotel stay. (Check their holiday schedule online for special hours while kids are on break from school.)

Wherever you go, just dive in! It will be fun for the entire family this winter!

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Topics: Things to do in Indianapolis, Children

7 Things to Keep in Mind When Scheduling Your Closing

Posted by Paula Henry on Jan 11, 2015 10:30:00 AM

Buying a house is a momentous time in your life! From the moment you decide to purchase a home until you sign on the dotted line (many times) at closing, it's an exciting process. If you've never purchased a home before, there will be some unknowns, but that's what your realtor is for. We're there to walk with you through the entire process, until you have the keys to your new house in your hand. 

If you've never experienced a house closing before, you obviously won't know what to expect. Here are some things that you'll want to keep in mind as you're scheduling your closing. 


As soon as you receive final loan approval (usually via a letter of commitment), you should confirm the time and date of settlement (an estimated date may be in your sales contract) with the seller and the lender. Usually, the real estate agents representing you and the seller are in the best position to coordinate the closing. If you are scheduling your closing yourself, you'll want to keep the following points in mind:


Some home buyers will schedule their closing over their lunch hour, but we advise against that. It can take time to get all of the paperwork in order, so we suggest planning for a few hours or taking a half-day off work.

Current living situations

If you are renting, you'll want to schedule the closing around the time your lease ends. If your plan is to do some work on your new home before moving in, pick a date a couple of months before you have to move from your rental. If you'll be moving out of a house that you are selling, you'll be juggling two closing dates. Most people need the money from of the first house in order to pay for the second house, so schedule your closings accordingly.

Expiration dates

You'll want to schedule your closing before your loan commitment expires (specified in your letter of commitment, if you received one). You'll also need to schedule it before any rate lock agreement on your loan expires.

Moving day

If you plan to move on the day of your closing, schedule the paperwork as early in the day as you can so that you have ample time to do everything you need to accomplish that day.

The day before

Just before the scheduled closing—ideally within 24 hours—you should plan to make a final inspection of your home with your real estate agent, ensuring that no recent damage has occurred and that the seller has honored all repair agreements. So you'll want to make sure that you have space in your calendar within 24 hours of closing to do your final walk through.

Day of the month

People often think that the best day of the month to schedule a closing is on the last day of the month, but we like to schedule them a few days before, just to allow time to address any last-minute problems. If something goes wrong, you would want a few days to resolve whatever may have surfaced. If you wouldn't be able to close on the last day of the month, you would accumulate increased closing costs beginning at the start of the next month (due to prepaid interest due at closing). 


If you are scheduling a closing at the end of the year, keep taxes in mind. Any points and interest paid before the New Year can become deductions for this year's taxes. Check with a tax advisor for the timing of any other deductions.

If you have additional questions or need help scheduling your closing, don't hesitate to give us a call. We love walking people through this exciting time in their life!

Download our ultimate guide to buying a house!

Topics: Buying a Home, Closing

How to Train for the 500 Festival Mini-Marathon (Without Losing Your Mind)

Posted by Paula Henry on Jan 8, 2015 10:30:00 AM

The 500 Festival Mini-Marathon is an amazing event hosted here in Indianapolis each May. Runners from around the globe (literally) all descend on Indianapolis with one goal in mind: to conquer the 13.1 miles set before them. Not only is this race the kick-off to the 500 Festival, it's the largest half-marathon in the world. This year is the 39th year for the race, and it's expected to sell out its 35,000 spots once again. It's an exciting time - one that's fun to be part of, whether you're running or volunteering.

Perhaps you signed up for this year's Mini-Marathon, but you've never trained for a half-marathon before. If that's the case, read the following tips and tricks from former runners so that you know how to train without losing your mind.


Choose a training plan

Some people go into the race thinking that they can complete it after a few 5 mile runs. While that might be true, we recommend instead following a detailed plan for months leading up to the race. There are lots of established training plans out there that you can choose from. We suggest training at your own level. If you're not an Olympic athlete, then don't try to run at those speeds. If you've already run one and want to try to improve your speed, you might choose a plan like this. After you decide your training plan, adjust it to fit your schedule. If it suggests running on Monday/Wednesday, but Tuesday/Thursday works better for your calendar, then do it! Make your training fit into your life so that it's enjoyable.

Motivate yourself

Do whatever it takes to get yourself excited about the race. For some, that may include some bribery ("After I complete my long run, I'll treat myself to some ice cream.") For others, like Heather, that meant purchasing some music, "A solid playlist was key for me during my training. I bought Spotify, and I still have the App because it's amazing! I recommend Kanye's Workout Plan!" Motivate yourself accordingly so that you're able to meet your goals.

Adjust your diet

While training, you're going to be burning a lot more calories than you normally do, so you'll want to adjust your diet accordingly. You might want to have a snack before running in order to give yourself some extra energy. Or you might eat a banana afterwards to help prevent cramps. For long runs, you could consider using energy gels (sold at running stores). Or, as running pro Allison says, "Test different food combos while training. Gels make me sick, so I use baby food packets."

Whatever you do, make sure you're drinking enough water. Hydrate yourself well throughout the whole process. Not only is it good for you, it will help you go the distance when it comes to training.

Listen to your body

If your body is in pain (we don't mean being sore from a workout), then you should probably take a break from running. Missing a few days of training is better than worsening your injury. If your pain is bad enough, don't hesitate to contact your doctor. 

Take care of your feet

It's no surprise that your feet take a beating during training - and the race. Running in poorly-fitted shoes can result in blisters. We recommend that you get fitted for shoes (at stores like Blue Mile or Runner's Forum) that will work best for your gait. You'll also want to ask about purchasing shoes that are a bit bigger than normal to account for swelling. Purchase your shoes early on, and wear them throughout your training so that you can break them in.

You can also take care of your feet by taking steps (pun intended) on the day of the race. Runner Stephanie suggests, "I vaseline my toes and wear socks that are like foot gloves for the race. My feet felt great!" 

The Mini-Marathon is a fun event. There's excitement in the air; the crowds are cheering you on; the bands are playing. Whatever you do, enjoy the process - and especially the race. You've earned it!


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Topics: Things to do in Indianapolis, Indianapolis Sports