13 Ways to Prevent Getting Screwed When Hiring a Contractor

Go to a current job. A prospect should be proud to show off his work-in-progress.

Summer is the season Americans set aside to complete home renovations before the new school year starts. According to U.S. Census data, Americans spent $ 130 billion on remodeling projects in 2013, and that figure is expected to keep rising.

Maybe you’re ready to upgrade your kitchen or master bath. Maybe it’s time to convert that attic space or basement into a home office or den. Or maybe you have some upgrades to complete before you put your home up for sale.

Whatever the project, it’s important to land a reliable contractor. Here are 13 ways to select the best contractor and prevent getting screwed.

1. Third time’s the charm

You should interview at least three contractors and get three bids before making a final decision. Don’t automatically go with the guy your sister used for a completely different project. Angie’s List is a great resource to find contractors if you don’t have any word-of-mouth references.

2. Compare apples to apples

One of the biggest mistakes homeowners make when getting estimates from contractors is lack of consistency. Make sure you request a bid on the exact same work from each contractor. Don’t add tasks to different bids; it can get confusing, and you’ll never be able to make a fair comparison.

3. Callback turnaround

If you don’t hear back within 48 hours, forget them. You want someone who is responsive. If they don’t return a call promptly now, you can pretty much assume they’ll behave the same way when you’re mid-demolition. Not a pretty picture.

Set up interviews. If one doesn’t show, cross them off your list. Contractors and handymen are notoriously overbooked. If they can’t make the interview, you can imagine how they will be on your job.

4. Know their specialties

Find out what his or her specialties are. Residential rehab, commercial buildings, new construction, and kitchen renovations are all very different projects. You want your potential contractor’s expertise to match the job.

5. Get the skinny on the crew

How big is their staff or main crew? How many men work for them full time? Does he or she run an entire company, or are they an individual contractor?

6. Is “sub out” in their vocabulary?

Which jobs does your contractor “sub out”? Do they hire a subcontractor for the plumbing or electrical? What does the “in-house” crew do? If they’re subbing out all the big jobs, you may want to hire some of the subcontractors yourself to save on commissions.

7. Busy body

How many jobs does your contractor have going at the moment? The number of jobs the contractor is juggling is very important and directly related to how quickly your work will be finished. If your potential contractor owns a small company, you want to make sure they’re doing no more than four jobs at any given time.

8. Ask for (and call!) references

If a contractor stalls on getting references to you, there may be a reason.

9. Check out the work

Go to a current job. A prospect should be proud to show off his work-in-progress. Ask to look at other examples of his work. A contractor worth his salt will have before-and-after photos of his best jobs.

10. How close are they?

Look for contractors that are close to your job site. The closer they are, the more likely they will be there each day — and on time.

11. Experience counts

Interview only contractors who have been in business at least five years — and under one name. For example, if Joe’s Contracting Service had problems, it may resurface a year later as Joe’s AAA Contracting Service. That’s a major red flag you don’t want to deal with.

12. Insurance

Ask about both the general liability and workman’s comp certificates from each prospective contractor. Then call the insurance companies to make sure coverage is current.

13. If the city permits

Go to the city building department and see if there are any complaints against your prospective contractor. It’s an extra piece of legwork for you, but you’ll sleep soundly at night knowing the person working on your home sweet home is the best in the biz.

Have you learned any valuable lessons when hiring a contractor? Share in the comments!

Trulia’s Blog

13 Ways to Prevent Getting Screwed When Hiring a Contractor was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home


Getting Rid of Garden Pests

Pests are a major concern for newbies and experienced gardeners alike. In most cases, however, they’re actually easy to control if you stick to the following principles of Integrated Pest Management (IPM).

Acceptable pest levels

The first principle dictates that you should only take action if the pests have gotten so bad that they cross a threshold, since removing too many pests might allow populations to develop a resistance.

For the average gardener, this just means that a few damaged leaves aren’t worth losing sleep over.

Preventative cultural practices and monitoring

Often the pests themselves aren’t the problem, but rather the plant’s poor health. Too much (or too little) sun, moisture, or fertilizer can weaken a plant enough that it actually attracts pests, since many are attracted to the yellow color of a dying plant’s leaves.

Weeds or plants growing too closely together forces plants to compete for sunlight, water and nutrients. Once targeted by pests, a weakened plant finds it harder to fend for itself.

To figure out why pests are a problem, first research the plant and learn about its needs. Are you meeting them?

Then let the plant itself tell you what’s wrong. Brown and crispy leaves indicate that the plant is likely getting too much sun; while deep-green and stretched-out leaves can mean that the plant is getting too little. Mushrooms or moss around the base of the plant could indicate that poor drainage or overwatering is the issue.

To identify the pest causing all the trouble, look at the damage being done. The pests’ feeding method will help you identify and get rid of them. Parched, stippled leaves and a dusty residue indicate a spider mite infestation. Sticky ‘honeydew’ secretions are caused by aphids or scale insects.


Aphids can leave “honeydew” secretions on plants, attracting even more pests.

Leaves that look as if they have been chewed between the veins are often the victims of beetles, while caterpillars and grasshoppers can eat entire leaves (or plants) without a trace.

Usually you can see the pests themselves if you look closely enough, especially the larger ones. Some pests, such as cutworms or armyworms, may emerge at night to do their feeding.

Mechanical controls

Unless the infestation is out of control, removing pests by hand is the most effective solution. Very small insects or mites can often be removed with nothing more than a damp rag. Barnacle-like scale insects can be removed by scraping them off with your fingernail or a pocketknife.

Pick off caterpillars by hand and drop them in a bucket of soapy water; they’ll die quickly that way and you won’t have caterpillar gunk on your shoe when you’re done.


Very hungry caterpillars cause significant damage to foliage.

Sometimes it just makes sense to remove the whole leaves and stems that are affected by pests. If an infestation is particularly bad, removing all infested stems and leaves will allow the plant to grow back without the pests in tow.

Biological controls

Biological controls are better than synthetic ones, but even they are to be avoided if at all possible. Read the directions thoroughly and treat these substances with the same caution with which you would regard chemical pesticides. They are also still harmful to so-called “good bugs,” so only use them once you’re sure that physical removal isn’t working.

Here are a few common types of biological controls:

  • Horticultural soaps are a relatively easy way to rid plants of aphids, thrips, whiteflies, scale and mealybug, but these products should not be applied to the ground, as they are also toxic to beneficial creatures like earthworms.
  • Neem oil is especially useful because it first repels pests, then poisons those like beetles, lacewings, aphids, caterpillars and grasshoppers.
  • Bacillus thuringiensis (BT) is a bacterium that can be used to treat for caterpillars, fungus gnats and potato beetles, depending on the strain used.
  • Diatomaceous earth consists of the tiny exoskeletons of marine organisms, and can be applied to the soil to slice through the waxy coatings of insects, as well as the flesh of snails and slugs. The downsides are that you must wear a mask to prevent inhalation while applying, and that you may have to re-apply after rains.
  • Pyrethrins are made up of a dried flower, and can kill a wide variety of pests, both by contact and by ingestion. Once again, whichever product you use, follow label directions and practice caution.

A potato beetle infestation may call for drastic measures.

Responsible use of synthetic pesticides

Under IPM guidelines, chemicals are the last resort. Orthene, a common pesticide, represents the typical limitations of synthetics in the garden: It kills a very wide variety of pests, but is also toxic to beneficial insects and birds. It should not be used on anything you intend to eat, since it may poison you as well.

Malathion, for the moment, is registered as safe to use on edibles, but since it is still toxic to animals like birds and fish, you should use with caution.

Pyrethroids are a manmade version of pyrethrins and are considered safer than other synthetic pesticides. Follow label directions when using any natural or chemical controls, and keep out of reach of children and pets.


Left unchecked, grasshoppers are capable of eating entire leaves.

If the steps outlined above seem daunting, just remember that you can usually solve the problem without even resorting to biological or chemical controls. Often, all it takes is improving the plant’s situation with the right amount of water, fertilizer or sunlight.


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Getting Rid of Garden Pests was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Getting Your Garden Ready for Fall

Fall doesn’t always inspire the same kind of excitement from gardeners as spring, and even the name ‘fall’ lacks that other season’s peppy cheer. Maybe it’s the fact that it’s a time for boring chores like raking leaves and digging things up, but there are also lots of fun things to do in fall.

It’s the best time to plant trees and shrubs, it’s cool enough to do all of the digging and other strenuous labor you’ve been putting off all summer, and you can still plant cold-tolerant veggies and flowers. By the time you’re done with this list, maybe fall will become your other favorite time to garden.

Bring in tender plants

Instead of thinking of this as a chore, look at it this way: You’ll soon get to enjoy plants indoors all winter. The moment nights start to get chilly, it’s time to bring in any houseplants, tropicals and succulents. Remove any dead leaves or branches, as well as any insects. While you’re at it, now is also a good time to repot them with fresh potting mix.

Plants that will be grown as houseplants should be placed in bright light and kept lightly moist throughout winter, while other tropical plants should be kept in a cool, dark place and remain barely moist so that they enter dormancy. Fig trees and bananas are prime candidates for this method.

Dig up summer bulbs

Tropical summer bulbs like dahlias, cannas and colocasias should be dug up before the first frost, unless you live in zones 8-11. After lifting them from the soil, lightly brush the bulbs to remove any dirt and inspect for any hitchhiking pests. Store bulbs in paper bags filled with sawdust or shredded newspaper, and put them in a dark, dry and cool place until spring.

Plant spring bulbs

Spring bulbs such as tulips and daffodils require a cold winter to bloom their hearts out, so plant them now so they get all the cold they need. Plant tulips eight inches deep, daffodils and narcissus nine inches deep, crocus four inches deep and hyacinths five inches deep. Plant them in clumps and drifts as they would appear in nature, rather than in straight and unnatural rows.shutterstock_155900531

Plant cold-tolerant annuals

Just because cold weather is on the way doesn’t mean that flowers are not an option. Many – like violas, petunias, violets and alyssum – continue to bloom through frosts.

Plant purple flowers to contrast with the warm colors of fall foliage, or choose white and yellow ones to brighten up the darkening days. Be sure to plant some in a container combination as well so that you can enjoy them at your doorstep.

Plant cold-tolerant veggiesshutterstock_114573622

That’s right: Fall is a great time to plant cold-tolerant vegetables, and some can even be harvested before a deep freeze. Plant garlic, onions and shallots now for a spring harvest, or if you’re too hungry to wait that long, plant fast-growing radishes and peas, or leafy greens that can be picked at any size, such as lettuce, kale, spinach and collards.

Add plants with winter interest

A well-planned winter garden can feel like a bit of warm weather on a cold day. Evergreens such as cedars, hollies and Euonymus are useful for bringing much-needed greenery and privacy to the landscape, but a plant doesn’t necessarily need evergreen leaves to look interesting. Trees and shrubs with attractive trunks, limbs and bark can look quite striking against the backdrop of snow or straw-colored grass.

Remove damaged branches

That said, shearing shrubs in fall is a bad idea. Some, such as azaleas and rhododendrons, bloom in early spring and can’t be pruned without damaging buds and ruining spring’s flowering display. However, it’s always a good time to remove limbs that are diseased, damaged or otherwise detrimental to the plant’s form or structure.

Make decorations from the garden

Some of the best seasonal decorations can be grown right in your own backyard. Pumpkins, gourds and squashes are obvious choices for fall decorating, but don’t forget to consider other plants. Woody okra pods and cotton bolls can be used to great effect for a Southern look.


If the first frost is in the forecast, make good use of any remaining blooms or foliage by turning them into an impromptu flower arrangement. Then when you have friends over, they’ll think you just throw these things together on a regular basis.

Plant trees and shrubs

Fall really is the best time to plant trees and shrubs. The best part is that instead of keeping them watered through the warm, dry days of spring, you can soon forget about them when they start going dormant for winter. When spring arrives, your plant will have a head start and established roots.

Dig new beds

Another thing to get out of the way now is digging and preparing new garden beds. The weather is pleasant enough to knock it all out in a day, and you can even plant winter vegetables there as benchwarmers until spring. By the time spring finally does roll around, just mix in some more compost or aged manure. Your garden bed will be good to go.


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Getting Your Garden Ready for Fall was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

4 Tips for Getting Value From Your Home Inspection

Many buyers assume that the home inspection is their opportunity to pick the home apart and find its flaws. While the inspection often results in a second round of negotiations, buyers should view the inspection as the introduction to their potential home. Here are four tips for getting the most from your home inspection.

Enlist a pro

It’s best to use a well-known, local inspector — preferably someone your agent refers. If your Uncle Bob is a contractor, it may seem like a good idea to bring him instead. But you need a licensed inspector who is familiar with the area, and different types of homes and systems.

An impartial third party, the inspector should be a voice or reason, not an alarmist or overly optimistic. They are liable for inspecting to the best of their ability.

Come prepared

Bring a list of your concerns and questions about the house. During the viewings, you probably had questions about some aspects of the construction. Write down your concerns.

If the seller provided property disclosures or you’ve received documents about the property from the local building department, bring them to the inspection. The inspector normally starts off with a discussion about what he seeks to accomplish, then asks what questions or concerns you have. Lay them out at the beginning so that the inspector can keep them in mind as he goes through the home.

Walk around with the inspector

Some inspectors prefer to work independently, but most will give you the opportunity to walk around with them. This is your chance to learn about your home. You want to know and see firsthand where your water heater and electrical panel are. It’s easier to understand if you are there, in front of the inspector when he points something out, than to hear about it at the end.

As a homeowner, you will need to know all about your systems because there won’t be a landlord to call when something goes awry.

Use the inspection to compile a maintenance plan

Parts of the home often break down or fall apart because nobody properly maintained them. Changing the filter on the HVAC system, replacing old plumbing valves or monitoring leaks will help keep things working. Nobody wants a broken boiler in the middle of January, or their water heater to break mid-week.

The inspection is a great way to learn about your home and what it will need going forward. If the boiler is near the end of its life, find out what you need to do next winter to make sure it lasts the season. Make a financial plan to replace it in the future.

Home inspection is one of the biggest components of the real estate transaction. You should take it seriously, and come prepared to ask questions and learn about the home.


Note: The views and opinions expressed in this article are those of the author and do not necessarily reflect the opinion or position of Zillow.

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4 Tips for Getting Value From Your Home Inspection was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

10 Tips to Avoid Getting Burned by a Kitchen Remodel


When it comes to making magic happen during a kitchen remodel, there are oodles of options you can cook up. Which means there is a lot that can go wrong.

Before you take the hammer to your old kitchen, read these 10 tips to avoid getting burned on a kitchen remodel.

1. Don’t overspend

Consider the market and decide whether a low-, medium-, or high-end kitchen remodel makes the most sense. Costs can run the gamut from $ 2,000 for a simple paint-and-hardware upgrade to $ 50,000 if you’re installing expensive countertops and luxury appliances.

Evaluate neighborhood comps to keep from overspending (or underspending). You may not get your investment back installing travertine in your tiny starter, and let’s face it, you’ll never see Formica in a high-end home. So check out for-sale properties in your area before shelling out for high-end upgrades.

2. Avoid an identity crisis

Don’t try to remodel a ’50s ranch-style kitchen into a contemporary cooking space. All homes, however humble, are built in a certain architectural style. Work with it, not against it. Otherwise, you’ll spend too much money and time on a complete overhaul, and you’ll likely end up with a kitchen that looks out of place.

3. Keep the plumbing where it is 

Moving water and gas lines to reconfigure sinks, ovens, stoves, or dishwashers is extremely costly, especially in older homes. So keep any pipe-connected elements where they are — and keep some extra cash in your pocket.

4. Watch out for the wrong floor plan

If you do have the budget to rearrange appliances, make sure to keep your floor plan in mind. Does it follow the natural triangular traffic pattern between the refrigerator, stove, and sink? Is the dishwasher next to the sink? It should be. Otherwise, you create a mess every time you walk across the room with a dripping dish in your hand.

5. Don’t trash existing cabinets

If your old cabinets are quality wood and still in good working order, you’re in luck. This is one of the first things to check when sizing up a pre-remodel kitchen, since cabinet frames are the most expensive component of the entire space.

It’s quite simple to give salvageable cabinets a face-lift. Three common ways to repurpose cabinets include: adding new doors and drawer fronts, relaminating fronts and sides, or repainting.

6. Never DIY spray paint

Have the cabinets cleaned and lightly sanded, then hire a professional painter to spray them. Don’t try to DIY this one; a couple of cans of spray paint from the hardware store just won’t do the trick. A professional spray job can make ugly cabinets look factory-new. You can’t get the same look by painting or rolling the cabinets yourself.

7. Don’t scrimp on new hardware 

Home remodeling superstores carry a great selection of door hardware. Choose knobs and pulls that complement your architectural style, and don’t cut corners. It’s like a nice piece of jewelry — an added touch that makes the whole outfit (or room) work.

Don’t forget to remove and replace any old, painted-over hinges with shiny new ones. It may be time-consuming, but it’s very inexpensive, and it makes a huge difference.

8. Take advantage of free advice

Check out large home improvement centers for free, computer-based design services that help lay out your kitchen. Their professionals are at the leading edge of today’s decorating trends, and their services include one-on-one client assistance as well as in-home consultations, complete project management, and installation services.

9. Don’t mismatch appliances 

When buying new fridges, ranges, and dishwashers, stick with the same brand. Fortunately, appliance manufacturers have begun creating good-looking, low-priced lines with matching sets — giving your kitchen a designer look for much less. With a little research and some smart shopping, you can find affordable appliances that look very high-end.

10. Don’t forget to budget for sinks and fixtures 

Get the best possible faucet, one with a pullout spray attachment or a gooseneck with detachable head. It’s a necessity — and the difference between good and great is only $ 50 to $ 75. Stick to one consistent fixture finish since mixed finishes can look patchwork.

What’s the one thing you’ve done in a kitchen (past or present) that really gave it that “wow” factor? Share in the comments below!

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10 Tips to Avoid Getting Burned by a Kitchen Remodel was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

The Home Buyers’ Guide to Getting a Mortgage

Buying a home can feel overwhelming, and a lot of that uneasiness can come from not understanding how to get a mortgage. This guide — which includes 20 questions to ask lenders — should help clarify the mortgage process and get you on the road to homeownership.

Determine your affordability

Before you start working with a real estate agent, it’s important to understand how much home you can afford. This will help you and your agent target your search, and you’ll avoid the heartache of falling in love with a property that’s out of your reach.

You can determine affordability in seconds using two different mortgage calculators. First use an affordability calculator to determine a purchase price appropriate for your income and down payment; then use a payment calculator to determine your exact monthly obligations.

Get started on your mortgage process

Next, you’ll actually connect with a lender to apply for a loan, and the lender will review all of your qualifying documentation. A loan officer will ask you to provide the items below — verbally or in an online form first, then with full documentation:

  • Personal information. Date of birth, marital status, number of children and ages.
  • Residence history. Rent payment or all mortgage, insurance and tax figures — for at least the past two years.
  • Employment and income. Documentation showing wages and employment history for at least two years. If you receive commissions or bonuses, you’ll need two years of figures. Lenders average variable and self-employed income over two years. Full tax returns for two years are usually required.
  • Asset balances. All checking, savings, investment and retirement accounts. You must provide all information for accounts, even if you’re only using one account for the down payment (you lender will need to see a paper trail for large deposits and withdrawals). If you’re using gift funds for your down payment, specific rules apply.
  • Debt payments and balances. Credit cards, mortgages, student loans, car loans, alimony and child support.
  • Social Security number. For a credit report to confirm your debts and credit scores.

Select down payment and loan type

Once your lender has your full profile, he or she can recommend loan structures based on your situation.

Perhaps your income is strong, but you’re early in your career and haven’t saved up that much money. In this case, your lender might recommend a 10-percent down payment because the slightly higher payments fit your budget and enable you to conserve cash.

Or you might start the process thinking you want to buy a 1-bedroom condo using a 5-year adjustable-rate mortgage because you think you’re going to sell the home and upgrade within five years. But your lender may look at your income and consider that you want to start a family within three years, then determine that you can afford the monthly budget and cash to close on a 3-bedroom single family home using a 30-year fixed loan.

It’s important to match your loan terms and home buying choices with your objectives. Because lenders require your full financial profile, they are in a good position to help you explore and fine-tune your objectives to make sure you select the loan type that fits you best.

Find an agent and start home shopping

After you’ve begun the mortgage process, you’re ready to find a local real estate agent and begin your home search.

Introduce your lender to your agent, and ask your lender to brief your agent on your mortgage process. This will verify your target home price and down payment for your agent and show that you’re ready to close as soon as you find a home.

Write offers, lock your rate and finalize your loan

Once you find a home you love, you’ll write an offer. Your agent will present your offer to the seller, and if the seller accepts your offer, your loan process will move to the final approval phase.

Your lender will inform you that it’s time to lock your rate. A rate lock runs with a borrower and a property, so you can’t lock your rate until a seller has accepted your offer.

Then your lender will request any updated documentation needed from you, order an appraisal on the property and review the property title report.

Once all of these items check out, your lender will draw final loan documents with your desired rate and terms for you to sign. Your lender will fund the loan, and the home will be yours!



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The Home Buyers’ Guide to Getting a Mortgage was originally published on Southern Classic Realtors – Nivla Calcinore – Bringing You Home

Ready, Set, Sell: 3 Strategies for Getting Your Home Off the Market Fast

Most sellers have a specific goal when it comes to their transaction: a quick sale and top dollar. But sometimes fast action doesn’t align with achieving the highest and best value.

There are multiple schools of thought on this subject, and the perspective varies not only with where you are in the country, but also by price point, neighborhood and even down to the block. When it comes to pricing and the search for a quick sale, it’s always best to get help from a local agent.

Here are some strategies you can use to get offers fast.

The theory of under-pricing

Under-pricing means that you go to market with a list price that is just below what the comparable sales in your area support.

You can’t pinpoint the exact market value of a home until it sells. But before you list, there’s always a range. If you price your house at or below the bottom of the value range, you are under-pricing the home.

In many West Coast markets this strategy will work effectively. Take this San Francisco home, for example: priced at $ 1.1 million, it received 10 offers and sold for $ 1.425 million in less than a week.

Risk alert: If you price your home low, this plan could backfire — big time. If you don’t know your market and this strategy doesn’t work, you’d better be ready to accept that list price.

Staging and market presentation

Well-priced homes that also show well sell quickly. If you want a quick sale, you need to invest some serious time in getting the house ready.

Prepping the home means taking out large pieces of furniture and personal items, painting, replacing carpets, finishing floors and even doing some minor renovations.

Enlist the help of a home stager and take their advice, and you can be assured a quicker sale. The investment of time and money will pay itself back.

Risk alert: If you go overboard on staging or you don’t spend the time and money in the right places, it could be a waste. Don’t make staging decisions in a vacuum. Focus on kitchens and bathrooms, de-cluttering and cleaning. When in doubt, ask for help.

Disclose and inspect upfront

In most of the country, sellers complete real estate transfer disclosures and present them to the buyer, and the buyer simultaneously inspects the home — all once they are in escrow.

What often happens is that buyers discover things they don’t like, or uncover issues. When this happens, they may lose confidence in the home or the deal.

By presenting disclosures upfront, and even providing buyers with a copy of a recent inspection report, you can help them get more comfortable with the home. If you price the home to account for whatever work needs to be completed or for disclosure red flags, buyers will feel more confident, and may make an offer much more quickly.

Risk alert: There is little risk in disclosing and inspecting. If you try to hide something and the buyer discovers it later, you can expect the deal to fall apart — or maybe even face a lawsuit down the road.

Selling your home is a major undertaking. Spend time strategizing and preparing the home for the market. Pricing, staging, presentation and disclosure go hand in hand. If you want a quick sale, price it right, present it in its best possible light, and go out of your way to make buyers feel comfortable with all aspects of the home.


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Ready, Set, Sell: 3 Strategies for Getting Your Home Off the Market Fast was originally published on Southern Classic Realtors – Nivla Calcinore