For birthday parties or outdoor weddings, nothing says “special occasion” like yards of billowing tulle. Transform your garden into a fairytale setting by decorating a large trellis using tulle bows and drapes. Add ribbons in your wedding colors for an eye-catching accent or leave the whole design in pristine white. Cut two lengths of tulle …
So you are in the middle of fixing up that old Victorian-era home that you bought, only to discover that some of the windows don’t work properly or need replacing. Most of these ancient homes have flat double-hung or vertical sliding sash windows. Modern window manufacturers attempt to replicate this appearance with the addition of …
You spend a third of your life at the bedroom, and that’s ideally time spent replenishing the energy that you will need for the other two-thirds. In feng shui, positioning of the bed is the number-one factor that determines the energy at a bedroom, which positioning can be a struggle when you have limited space. …
A hard money lender can provide financial resources for property owners who need a loan that is non-traditional. As hard money lenders are lenient on credit, qualifications for a cash loan are more relaxed than conforming bank products. According to the Bank Rate site,”They charge interest rates and fees that could make conventional borrowers cringe …
FHA-insured loans permit higher-risk borrowers to purchase homes. The lenders’ investment from the houses purchased with these borrowers is protected by the insurance — if a borrower defaults on the loan also goes into foreclosure, the Federal Housing Administration pays the lender an insurance benefit. In return, the lender transfers ownership of the property to …
Your credit score reflects your credit risk to a creditor. Borrowers with bad credit ratings, such as a 576, are deemed high-risk. They pay a lot more for financing compared to borrowers with scores over 600. Raising your credit score is possible, but it requires some time, which could be something you do not have …
The Internal Revenue Service levies an estate tax on assets passed to your heirs and beneficiaries after your death. Although the estate tax was repealed for 2010, it is going to come back in 2011 and could be continued in subsequent years. A unified credit exclusion of $3.5 million now applies to estates. Taxpayers with …
According to the Environmental Protection Agency (EPA),”The average household spends $2,000 annually on energy bills–over half of which goes to heating and cooling” Fortunately, in the past few decades a variety of licenses for green housing have been based on the state, national and local levels. Grants are offered for a variety of classes, including …
Possessing a mortgage pre-approved may make purchasing a house lot easier. If a seller has more than one deal, showing him your lender has pre-approved the amount of your bid could be a deciding factor in your favor. Additionally, it can help you decide what price range to store in, and, once you find a …
Adjustable-rate home equity loans generally are tied to the published prime rate or LIBOR (London Interbank Offered Rate). Newer borrowers may find it unusual for U.S. loan interest rates to be matched with a European pace, but this index was used for more than 20 years for the two mortgage and home equity loans. There …