Fireplaces

Foam Board Insulation Ideas

The stiff white panels of foam insulating board make it simple to cut and install in many different places, from under a slab to a horizontal roof. Working through construction or retrofitted in an older house, the panels give an R-5 or even R-6 insulation value per inch, depending on the manufacturer. On interior and exterior walls the panels can easily be secured to walls to present a solid insulating barrier to hot and cold temperatures. Foam board is available in many different sizes and thicknesses, suited to home and commercial uses. On New Construction Unaffected by groundwater, the panels of polystyrene, polyisocyanurate or polyurethane insulate a foundation below grade while protecting its waterproofing or dampproofing system when the contractor backfills around it. Retrofitting Metal panels can also be retrofitted under low-slope roofs, adding additional insulation to protect your house interior from the heat in or out through the roof….

Decorating Guides

Homemade Wedding Anniversary Table Centerpiece

Each wedding anniversary should feel special, regardless of what amount goes with it. Insert sentiment and an ambiance of love having a homemade centerpiece on an anniversary dinner table. Incorporate a personal memento which can become a precious keepsake or can be used for future birthday parties. Honoring the Couple If you are making a centerpiece for someone else, ask for some wedding photographs or pictures of the couple. Make black and white copies of the photographs supplied. Trim the photographs to match within glass-lidded canning jars. Insert two photographs to every jar, facing so the photographs show on either side, and embellish the lids with decorative ribbon or lace. Incorporate at least 2 of those photo jars with each table centerpiece. Keep everything centered on the table working with a lace or satin table runner. But don’t put everything in a direct line. Stagger the components along the table…

Decorating Guides

How to Fix the Staircase at the Door for Feng Shui's Front

In the 1,000-plus years of feng shui clinics, an internal staircase in a home that faces the front door generates an energy conflict where you do not want it. The favorable energy trying to enter the home through the portal is basically overpowered by the gravity force of life energy — known as chi. This structural stalemate may bring troubles and financial ruin to people who live inside. You may apply inexpensive shui remedies to correct this problem. The Practice of Feng Shui Feng shui is utilized to optimize working and living spaces — basically in which anyone spends a whole lot of time. Individuals who believe in its fundamentals employ feng shui practitioners to better their working and living places in a way to attract beauty, balance, harmony and unity. Enhancements include rearranging furniture to improve the vibe in the home or office. Front Door Conflict With many schools…

Decorating Guides

Uses for Plastic Ice Cream Buckets

Plastic ice cream buckets give durable storage for toys and art supplies, or utilize them as forms for concrete plant pots and outdoor accessories. Upcycle the buckets by painting them or covering them in fabric or cosmetic tape to mask their initial purpose. Molds for Homemade Planters Create your own decorative concrete planters using plastic ice cream buckets as the moulds or forms for your handiwork. Cover the inside of the ice cream bucket with plastic wrap, followed by oil jelly, and pour mixed concrete into the bottom 1/2 inch of the bucket. Wrap the outside of a slightly smaller plastic ice cream bucket or food container with plastic wrap, again coating it in oil jelly; then rest it atop the wet cement. A weight inside the smaller container keeps the container from going as more cement is added about it. Fill the area around it using additional wet cement,…

Eclectic Homes

How to Alter Lath & Plaster With Cement Board

Replacing lathe and plaster in your house’s toilet is a time consuming and messy task, but the results could be worth it. You can update wiring, add insulation and replace plumbing running inside the walls by substituting plaster. With just a little know-how, you can replace your walls and ceilings and have them look new again — and also be resistant. Tape tarps which you want to protect. Falling or flying plaster may lead to damage and isn’t easy so it’s important to protect anything you do not plan on tearing 27, to clean up. Wear a dust mask to protect your lungs and work gloves. . Punch a hole in the lathe and plaster between studs using a sledgehammer. The hole needs to be approximately 1 foot square to give you space for maneuvering. Put the claw end of a hammer inside the hole and use it to pry…

Renting and Tenant Rights

The Practice of Purchasing a House in Foreclosure

A house in foreclosure requires that the mortgage loan be brought current. This is the legal way to bring the foreclosure process. The seller should give permission for your purchaser to buy the property. The purchaser will have to communicate in order with the mortgage creditor to find out details about the loan, such as the loan’s condition, the number of payments past due, the interest because of the balance on your loan. Ideally, the purchaser ought to have the seller sign a written release allowing the purchaser to speak with the creditor about the mortgage loan. Permission to Purchase With consent of the seller, the purchaser should contact the creditor. The purchaser might try to negotiate advantageous terms on the loan. It’s likely that the lender will permit the purchaser to assume the loan. Of course, the purchaser would have to bring the loan current. Or the purchaser might…

Renting and Tenant Rights

Rent to Legal Questions

A person with bad or limited credit history can buy a rent-to-own house without upfront funding. A rent-to-own arrangement allows the seller to function as the landlord and get steady payments while remaining the home’s legal owner. A portion of the buyer’s rent payments goes toward the purchase price of the property for the duration of the rent-to-own arrangement. The purchaser has the right to use a buy option in the arrangement to buy the house while the contract is in effect. Purchase Deal A properly signed and implemented rent-to-own arrangement is legally binding provided that the wording doesn’t violate existing state or federal laws. The rent-to-own contract contains all of the conditions of the arrangement between the seller and the purchaser. The amount of time the contact is successful have to be specified in the record, as well as restrictions imposed by the seller along with the total purchase…

Eclectic Homes

FHA Manufactured Home Rules

The Federal Housing Administration, or FHA, has been helping low- and moderate- income Americans find safe, affordable home since 1934. FHA loans are government-backed loans aimed toward helping those who fall through the cracks of traditional loan guidelines receive mortgages at fair prices and terms. 1 group of buyers who has difficulty locating mortgages is made (mobile) homebuyers, because most lenders will not finance this type of home. The FHA insures mortgage loans to get both based manufactured homes on permanent lots, new manufactured homes to go on owned lots and mix land/home unit purchase loans. Characteristics All lenders who offer FHA loans are required to fulfill at least the minimum standards set from the FHA. Some lenders may apply stricter guidelines than the FHA, but they may not discriminate against particular kinds of properties. To get a manufactured home to accommodate, it has to have a minimum square footage…

Budgeting Your Project

What Are the First Steps in Buying a Home?

Before you walk into a home, there are numerous things that you want to look after. In the end of the procedure, you might give up the fantasy of ownership–at least briefly –to get your financial house and other priorities in order. Should you forge ahead, you’re very likely to find an ounce of”preparation” is worth a pound of cure. Determine What You Are Able to Afford The financial crisis that began to take shape in 2007 led to the housing market crash in the united states. While it triggered a whole lot of pain for homeowners, it educated prospective buyers to evaluate affordability before diving right into a mortgage. As Bankrate.com clarifies, your property payment, including insurance and taxes, should not take up more than 28 percent of monthly take home pay. All your debt, including your mortgage, should not have more than 36 percent of your gross earnings….

Budgeting Your Project

What's the Difference Between Home Equity and Mortgages

Real estate holdings assist their standards of living enhance. Placing home equity remains a vital component of the wealth-creation process. Access to mortgage financing affects housing market functionality, because most customers lack the resources to get homes all in money. Identify the differences between home equity and mortgages to handle the financial risks of home possession. Identification Equity identifies financial possession. Calculate home equity by subtracting the balance of your existing mortgage from the property value of the actual estate. Home equity increases as your mortgage amortizes, or is paid down. Over time, home equity gains usually quicken, as larger portions of your mortgage payments go toward paying loan principal instead of interest. Property value gains can also generate gains in home equity. Real estate costs advance alongside both financial strength and home improvements made to a certain property. In the long term, real estate yields normally exceed the rate…