Color Terms You Need To Know When Decorating
by: Jude Wright
Color is the key to successful decorating. You can have the most expensive furnishings you can find, but without the right color scheme, they mean nothing. Color can work magic in a room by taking disparate furnishings and uniting them with color.
Adding color to a room is quite inexpensive. A new color of paint and fabrics can totally change a room.
The human eye can perceive approximately 10 million different colors. Just imagine all of the different color combinations that can be created. Even so, some color combinations are definitely better than others.
When looking at colors, there are eleven different terms that you should know:
1. Primary colors are the three main colors that every other color is made from: red, blue and yellow. Primary colors are often used in children's rooms because they are bright and will catch a child's attention.
2. Secondary colors are the colors that are created when you combine equal parts of the three primary colors. The color orange comes from red and yellow; green is from yellow and blue; and violet is from blue and red.
3. Tertiary colors are the result of combining a primary color with the nearest secondary color to it on the color wheel. The colors would appear as blue-green, yellow-green, yellow-orange, red-purple, and blue-purple.
4. Related color schemes result from combining secondary and tertiary colors. For instance, the colors blue-green and green will evoke a calming effect because there are no jarring changes in color.
5. Complementary colors are located directly opposite each other on the color wheel. They would turn gray when they are mixed together in paint, but they can be used together - carefully - when decorating a room. Sometimes these color combinations can be too overwhelming so care is needed when using them.
6. Hue is a descriptive word for color, such as leaf green, robin's egg blue or burgundy.
7. Saturation means how saturated (how much color) there is in the basic color. For example, light blue and navy are both still blue. Navy is more saturated with the blue color.
8. The value of a color is how light or dark a color is. White has the brightest value and black has the darkest value.
9. Tints represent the colors that are closest to white in value. These would be pastel colors.
10. Shades are the colors that are closest to black in color, like hunter green or deep purple.
11. Neutrals are the "non" colors, like black, white, gray, brown and beige. They can produce a pleasing color scheme on their own or mixed with other colors.
Color plays an important part in decorating. The entire feel of a room can be changed just by changing the color scheme.
About The Author
Jude Wright is the owner of Decorating Simple where you can find great decorating ideas for those on a budget. Stop by and get your free ebook, "Home Decor Ideas for Those on a Budget."
Showing posts with label miscellaneous. Show all posts
Showing posts with label miscellaneous. Show all posts
Sunday, December 31, 2006
Tuesday, December 26, 2006
Planning An Extension To Your Home
Planning An Extension To Your Home
by: Sue Barnard
Adding an extension to your home is becoming more and more popular as an alternative to moving house. Ever increasing house prices and the costs of moving can make adapting your current home seem an attractive, more affordable option. However, you do need to think carefully and do some research to ensure your plans go smoothly. Although you will save on agent’s fees, stamp duty and removal expenses, there will be architect’s costs and disruption to your home.
As long as they are done properly most extensions will add some value to your home. However, the cost of the build could be higher than the added value. Remember there will be fees incurred and there is likely to be a ceiling value for your particular type of property and neighbourhood.
As a minimum an architect will draw up plans to submit to the planning department. They can negotiate with the council and hopefully you will obtain planning permission. However, be prepared for a slow process, particularly if you are refused at first or there are objections. Once you have planning permission you then have to submit detailed technical plans to cover building regulations. Some architects offer a further service to manage the whole project for you. This means they will get quotes from builders and oversee the work in progress. This may save you some worry and hassle but will be an additional expense.
About The Author
Sue Barnard writes and publishes guides on managing your home and running your personal finances. More of her work can be seen on these Improve Your Home and Home Finance websites.
by: Sue Barnard
Adding an extension to your home is becoming more and more popular as an alternative to moving house. Ever increasing house prices and the costs of moving can make adapting your current home seem an attractive, more affordable option. However, you do need to think carefully and do some research to ensure your plans go smoothly. Although you will save on agent’s fees, stamp duty and removal expenses, there will be architect’s costs and disruption to your home.
Why build an extension?
Firstly think about the purpose of your extension. Do you need more space for a growing family, a home office, a self-contained area for an elderly relative, or are you thinking of the extension as an investment to increase the value of your property? The purpose of your building project will affect the planning permission you need and your budget. For example planning a large scale two storey extension will require a different approach to a small conservatory, and there is no point installing expensive, luxury fittings in your new kitchen if you are planning to move in a year or two.Planning considerations
You should have a good look around your local area. In particular note whether any of your neighbours have extended their property and if so how? Do you wish to do something similar or do you have very different ideas? Your planning application will have to be in keeping with the area and is more likely to be accepted if there is already something similar nearby. All areas have rules and regulations covering basics such as how close to the house next door you can build and potential use of the building. However, in some cases there will be other restrictions such as in green belt areas, national parks and for listed buildings.As long as they are done properly most extensions will add some value to your home. However, the cost of the build could be higher than the added value. Remember there will be fees incurred and there is likely to be a ceiling value for your particular type of property and neighbourhood.
How to finance your extension
How you decide to finance your extension will depend on the costs involved and your circumstances. However, re-mortgaging could well be your best option. This means you will pay off your current mortgage by taking out another. At the same time you increase the amount you borrow to cover the cost of your build. It is important to include all fees, internal fixtures and fittings, decorating and so on in your budget. Also consider whether you will have to move into rented accommodation for a short time and allow for that. Something unexpected will always happen so make sure you include a contingency fund.Architects and planning permission
In order to decide whether your plans are feasible you are likely to need advice from an architect. Contact the Royal Institute of British Architects for a list of those registered in your area. Choose several and make an appointment to discuss your ideas. This type of initial consultation is usually free but check first. You can outline your requirements, look at their portfolio to see whether they have worked on similar projects before, and ask about their fee structure. You will then be in a position to select the most appropriate for your situation.As a minimum an architect will draw up plans to submit to the planning department. They can negotiate with the council and hopefully you will obtain planning permission. However, be prepared for a slow process, particularly if you are refused at first or there are objections. Once you have planning permission you then have to submit detailed technical plans to cover building regulations. Some architects offer a further service to manage the whole project for you. This means they will get quotes from builders and oversee the work in progress. This may save you some worry and hassle but will be an additional expense.
How do I find a reputable builder?
By far the best way of finding a builder is word of mouth recommendation. Have any of your friends, neighbours or family used local builders and if so would they recommend their services? Alternatively look out for builders working nearby. They often put out company boards on site. Some builders specialise in particular types of work, for example loft or garage conversions, which may be appropriate for you. Think about whether you want a large company to come in and get the job done as soon as possible. In that case you can expect a lot of different people coming and going all the time, depending on the stage of the work. Alternatively are you prepared to wait for a two man set up which will be slower but may be less disruptive? It is a good idea to get at least three quotes and ask for a fixed price, otherwise your budget could quickly disappear. Also ask for timescales and how they will go about the work. Will they expect you to move out or will they work around you as far as possible?About The Author
Sue Barnard writes and publishes guides on managing your home and running your personal finances. More of her work can be seen on these Improve Your Home and Home Finance websites.
Sunday, December 24, 2006
The Ways To Treat Decking So That It Becomes Weatherproofed
The Ways To Treat Decking So That It Becomes Weatherproofed
by: Allison Thompson
It does not matter whether the climate you live in is hard winters or it’s temprate, by weatherproofing your decking you make sure that it lasts longer and looks beautiful.
By taking a little time to make sure that your decking is properly protected really does make sense and getting started on weatherproofing the decking does not take much time either. All it requires is a minimum amount of materials and a lot of elbow grease (hard graft on your part). Firstly you should seal the deck for weatherproofing when it is first built and then again every few years to ensure that the wood continues to stay in the same condition.
It is preferable if you gather together all the materials you require for weatherproofing before you start the work, and it would be sensible to check the weather report as well. Certainly carrying out the work on a day when it is likely to rain is not the most suitable of plans. But if you find that everything checks out then get your materials together and start.
The materials that you will need to get the job done quickly and efficiently are a dust mask, a hose, safety glasses, a bucket of water with deck cleaner included in it, a belt sander and some sand paper, waterproofing staining sealer a paintbrush and a broom. If you want you can use a paint sprayer (you can either hire one or purchase one) and this will help to cut down the amount of time it takes to complete the task.
You have your materials to hand the first thing you need to do is complete clean the deck, ensuring that you have cleaned out all the cracks and corners. If you should find any rough spots on the wood, then use the sander or sandpaper to smooth these down and always make sure you carefully remove any sawdust that is there with a broom. But please do not forget to put on your dust mask and safety glasses whilst carrying out any sanding works, although sawdust might not cause a major problem as you are only exposed to it for a short amount of time, it is better to be safe than sorry.
Then once the deck has been fully prepped you can move on to sealing it. However, please make sure that the deck is dry and all surface areas are clean, smooth and ready to go. So going over again for luck will not be a bad thing to do.
Now you are going to apply the weatherproofing seal, but before you do ensure that you have read the manufacturer’s instructions fully and if you intend to apply a coat of paint after sealing the deck then make sure that it will work with a paint undercoat.
You have the choice of applying the sealant with either a paintbrush or sprayer but make sure that you cover the entire deck and this means you will need to pay close attention to the beams, railings and wall supports if any are present. Then upon completion allow the deck to dry fully as per the instructions provided by the manufacturer.
You don’t want to find that after spending a week or two building your deck that you have to wait yet more time before you can enjoy it. But by making sure that it has dried completely will ensure that the work you have carried out will provide you with many years of enjoyment, it may well be only a few hours or even a day that you have to wait before you really to start to feel the benefits of the decking, but isn’t better that it will stay as beautiful as the day it was first installed.
About The Author
Allison Thompson a work from home now living in Spain and is a partner in a small real estate firm. After working in this field for a number of years she decided to set up a number of sites relating to property matters and this one is related to decking and its benefits. If you would like to know more than please visit Household Facts.
by: Allison Thompson
It does not matter whether the climate you live in is hard winters or it’s temprate, by weatherproofing your decking you make sure that it lasts longer and looks beautiful.
By taking a little time to make sure that your decking is properly protected really does make sense and getting started on weatherproofing the decking does not take much time either. All it requires is a minimum amount of materials and a lot of elbow grease (hard graft on your part). Firstly you should seal the deck for weatherproofing when it is first built and then again every few years to ensure that the wood continues to stay in the same condition.
It is preferable if you gather together all the materials you require for weatherproofing before you start the work, and it would be sensible to check the weather report as well. Certainly carrying out the work on a day when it is likely to rain is not the most suitable of plans. But if you find that everything checks out then get your materials together and start.
The materials that you will need to get the job done quickly and efficiently are a dust mask, a hose, safety glasses, a bucket of water with deck cleaner included in it, a belt sander and some sand paper, waterproofing staining sealer a paintbrush and a broom. If you want you can use a paint sprayer (you can either hire one or purchase one) and this will help to cut down the amount of time it takes to complete the task.
You have your materials to hand the first thing you need to do is complete clean the deck, ensuring that you have cleaned out all the cracks and corners. If you should find any rough spots on the wood, then use the sander or sandpaper to smooth these down and always make sure you carefully remove any sawdust that is there with a broom. But please do not forget to put on your dust mask and safety glasses whilst carrying out any sanding works, although sawdust might not cause a major problem as you are only exposed to it for a short amount of time, it is better to be safe than sorry.
Then once the deck has been fully prepped you can move on to sealing it. However, please make sure that the deck is dry and all surface areas are clean, smooth and ready to go. So going over again for luck will not be a bad thing to do.
Now you are going to apply the weatherproofing seal, but before you do ensure that you have read the manufacturer’s instructions fully and if you intend to apply a coat of paint after sealing the deck then make sure that it will work with a paint undercoat.
You have the choice of applying the sealant with either a paintbrush or sprayer but make sure that you cover the entire deck and this means you will need to pay close attention to the beams, railings and wall supports if any are present. Then upon completion allow the deck to dry fully as per the instructions provided by the manufacturer.
You don’t want to find that after spending a week or two building your deck that you have to wait yet more time before you can enjoy it. But by making sure that it has dried completely will ensure that the work you have carried out will provide you with many years of enjoyment, it may well be only a few hours or even a day that you have to wait before you really to start to feel the benefits of the decking, but isn’t better that it will stay as beautiful as the day it was first installed.
About The Author
Allison Thompson a work from home now living in Spain and is a partner in a small real estate firm. After working in this field for a number of years she decided to set up a number of sites relating to property matters and this one is related to decking and its benefits. If you would like to know more than please visit Household Facts.
Friday, December 22, 2006
Advice For Damp Homes
Advice For Damp Homes
by: Rachael Willerton
If either of these signs are apparent check for obvious causes such as a leaking or blocked gutter/downpipe, objects stacked against the external wall bridging the damp proof course, leaking pipes, dripping overflows, damage to roof or missing tiles. If fixed quickly there will be less damage to the fabric of the building. For more serious problems or no obvious signs get an expert in. If you suspect the damp proof course is damaged or there is not one advice from a damp-proofing specialist will be required.
It is essential to treat any mould existing first. Wash off mould with a fungicidal wash following the manufacturers instructions. Bleach can also be used but may damage surfaces and care is required not to get it on the skin. Do not brush or vacuum up mildew as is will disturb the spores. Always dry clean clothes and shampoo carpets.
Redecorate surfaces with a quality fungicidal paint to help reduce mould reoccurring.
The only way to reduce condensation is to follow three simple steps.
1. Reduce moisture produced.
2. Insulate
3. Ventilate
There are very simple ways to reduce moisture in the home by simply changing our lifestyle. These tips will make a big difference to the moisture produced in the home.
• Vent tumble dryers (unless self condensing)
• Dry washing outside. If this is not possible hang washing up in the bathroom and leave a window open
• Try not to use portable gas heaters as they add more moisture in the air
• Cover saucepans when cooking.
• Do not leave a kettle to continuously boil.
If a home is warmer it reduces the likeliness of condensation. Insulation and draughtproofing is the most effective way of helping to keep your home warm and save money on our heating bills. Home improvements such as secondary or double glazing will reduce heat loss but you must ensure that windows are fitted with trickle vents. Cavity wall and loft insulation are also very effective. Check with you local council to se if any grants are available, pensioners and low income families usually receive substantial grants. There are companies that will carry out works on a grant scheme. In very cold weather low background heating on all day will help keep the fabric of the building warm and reduce moisture condensing on cold spots. Here are some essential tips of what not to do:
• Do not draughtproof the kitchen or bathroom
• Do not completely block up chimneys (always fit an air brick or grill)
• Do not block up ventilators
• Do not cover eaves ventilators when laying loft insulation
• Do no forget to draughtproof the loft hatch
It is possible to ventilate your home without making it draughty. Here are a few tips:
• If windows have trickle vents do use them. If your windows don’t look into the cost of fitting them.
• Leave a gap between the back of furniture and an external wall. Where possible position furniture on internal walls.
• Open kitchen and bathroom windows and close the door when in use. If you have an extractor fan please use them they are very cheap to run. If you don not have an extractor fan in these rooms consider fitting them.
• When in a room open a small window.
• If the condensation is worse in the loft or ceiling below check the eaves ventilators are not blocked. If none are fitted consider fitting some. Some eaves ventilation systems are hard to spot so close inspection is required. Always check what material a soffit is made from before purchasing a ventilator as some soffits in older houses are made from asbestos.
If you approach reducing condensation from the three simple steps you should find a dramatic difference. If no improvements are made seek professional advice.
About The Author
Rachael Willerton publishes b4 school an online magazine for parents with fantastic competitions, features, reviews, activities, crafts, recipes and local information. To find out more go to www.b4school.co.uk.
by: Rachael Willerton
Is your home damp?
A damp house can encourage mould growth and mites which can increase the risk of illness. Here are some tips to identify the causes and what to do.Water ingress
Damp caused by water penetrating from outside has a couple of tell tale signs. Firstly water penetrating through brickwork will extract the salts and leave a white deposit called efflorescence. Secondly a leak will leave a tide mark. As the problem gets worse further ring marks will appear. It is a good idea to mark the outer ring and monitor to see how it progresses. Often it takes several attempts to solve a leak as water can travel in unusual routes.If either of these signs are apparent check for obvious causes such as a leaking or blocked gutter/downpipe, objects stacked against the external wall bridging the damp proof course, leaking pipes, dripping overflows, damage to roof or missing tiles. If fixed quickly there will be less damage to the fabric of the building. For more serious problems or no obvious signs get an expert in. If you suspect the damp proof course is damaged or there is not one advice from a damp-proofing specialist will be required.
Condensation
A common cause of damp is condensation. Condensation occurs when moisture in the air hits a cold surface and condenses. This is why it is more a problem in cold weather. Signs of condensation are mould growth in the corners of a room, around windows, behind wardrobes/cupboards, above cookers and baths and sometimes on north facing walls.It is essential to treat any mould existing first. Wash off mould with a fungicidal wash following the manufacturers instructions. Bleach can also be used but may damage surfaces and care is required not to get it on the skin. Do not brush or vacuum up mildew as is will disturb the spores. Always dry clean clothes and shampoo carpets.
Redecorate surfaces with a quality fungicidal paint to help reduce mould reoccurring.
The only way to reduce condensation is to follow three simple steps.
1. Reduce moisture produced.
2. Insulate
3. Ventilate
There are very simple ways to reduce moisture in the home by simply changing our lifestyle. These tips will make a big difference to the moisture produced in the home.
• Vent tumble dryers (unless self condensing)
• Dry washing outside. If this is not possible hang washing up in the bathroom and leave a window open
• Try not to use portable gas heaters as they add more moisture in the air
• Cover saucepans when cooking.
• Do not leave a kettle to continuously boil.
If a home is warmer it reduces the likeliness of condensation. Insulation and draughtproofing is the most effective way of helping to keep your home warm and save money on our heating bills. Home improvements such as secondary or double glazing will reduce heat loss but you must ensure that windows are fitted with trickle vents. Cavity wall and loft insulation are also very effective. Check with you local council to se if any grants are available, pensioners and low income families usually receive substantial grants. There are companies that will carry out works on a grant scheme. In very cold weather low background heating on all day will help keep the fabric of the building warm and reduce moisture condensing on cold spots. Here are some essential tips of what not to do:
• Do not draughtproof the kitchen or bathroom
• Do not completely block up chimneys (always fit an air brick or grill)
• Do not block up ventilators
• Do not cover eaves ventilators when laying loft insulation
• Do no forget to draughtproof the loft hatch
It is possible to ventilate your home without making it draughty. Here are a few tips:
• If windows have trickle vents do use them. If your windows don’t look into the cost of fitting them.
• Leave a gap between the back of furniture and an external wall. Where possible position furniture on internal walls.
• Open kitchen and bathroom windows and close the door when in use. If you have an extractor fan please use them they are very cheap to run. If you don not have an extractor fan in these rooms consider fitting them.
• When in a room open a small window.
• If the condensation is worse in the loft or ceiling below check the eaves ventilators are not blocked. If none are fitted consider fitting some. Some eaves ventilation systems are hard to spot so close inspection is required. Always check what material a soffit is made from before purchasing a ventilator as some soffits in older houses are made from asbestos.
If you approach reducing condensation from the three simple steps you should find a dramatic difference. If no improvements are made seek professional advice.
About The Author
Rachael Willerton publishes b4 school an online magazine for parents with fantastic competitions, features, reviews, activities, crafts, recipes and local information. To find out more go to www.b4school.co.uk.
Thursday, December 21, 2006
Decorating With Mirrors
Decorating With Mirrors
by: Lynn Cressy
Mirror, Mirror On The Wall!
Want a way to catch and reflect light in your home? Nothing does it better than a mirror. Mirrors are great for creating an illusion of space. Mirrors have been used to make commercial buildings look more spacious, and these same techniques can be used successfully in your own home.
Try the following "decorating with mirrors" tips:
*If you have a wall in front of the entrance as you enter your home, then hang a unique mirror on that wall to open it up and add interest to the area.
*Try staggering mirrors on either side of a narrow hallway or stairway to give the illusion of width.
*To make a hallway or stairway appear longer, try positioning a mirror at the end which will double its length.
*Wrought iron mirrors are popular and can be used as a home decor accent with most decorating styles.
*Collections of unusual mirrors can be used behind a sofa or in a hallway. They can be arranged in groupings or combined with paintings.
*You can use several hinged mirrors placed together behind candles or flowers on a mantle or table, thus "multiplying" the effect of your decorative accents.
*As with your artwork, choosing the right frame for your mirror makes a world of difference. The frame adds to the look of the mirror and enhances the space around it.
*The use of long, tall mirrors spaced across a wall is a nice change from the more traditional wall-to-wall mirrors.
*Make sure mirrors reflect only attractive objects. Do not place a mirror directly across from a waste basket or cluttered area. Try placing it across from a window, a lamp, or a favorite painting.
*Miniature mirrors can be used as a decorative touch on throw pillows, curtains and placemats.
*Put a mirror on the ceiling of kitchen cabinets or the pantry which will help you see what's on the top shelf.
*Mirrors can also be used in the dining room to showcase your table decor. Use a mirror instead of a placement at each place setting. They will naturally draw attention to your table and by using bright and decorative dishes you will create a stunning display.
*Since mirrors come in all shapes and sizes, they offer limitless decorating possibilities.
*Make a mirror the focal point in a room. Consider investing in a really unique, classy mirror and frame that complements the rest of the decor in the room.
*Remember to hang mirrors at a usable height!
About The Author
Lynn Cressy, owner of Lynn's Home Decor. You will find a variety of best price home decor and modern home accessories at Lynn's Home Decor.
by: Lynn Cressy
Mirror, Mirror On The Wall!
Want a way to catch and reflect light in your home? Nothing does it better than a mirror. Mirrors are great for creating an illusion of space. Mirrors have been used to make commercial buildings look more spacious, and these same techniques can be used successfully in your own home.
Try the following "decorating with mirrors" tips:
*If you have a wall in front of the entrance as you enter your home, then hang a unique mirror on that wall to open it up and add interest to the area.
*Try staggering mirrors on either side of a narrow hallway or stairway to give the illusion of width.
*To make a hallway or stairway appear longer, try positioning a mirror at the end which will double its length.
*Wrought iron mirrors are popular and can be used as a home decor accent with most decorating styles.
*Collections of unusual mirrors can be used behind a sofa or in a hallway. They can be arranged in groupings or combined with paintings.
*You can use several hinged mirrors placed together behind candles or flowers on a mantle or table, thus "multiplying" the effect of your decorative accents.
*As with your artwork, choosing the right frame for your mirror makes a world of difference. The frame adds to the look of the mirror and enhances the space around it.
*The use of long, tall mirrors spaced across a wall is a nice change from the more traditional wall-to-wall mirrors.
*Make sure mirrors reflect only attractive objects. Do not place a mirror directly across from a waste basket or cluttered area. Try placing it across from a window, a lamp, or a favorite painting.
*Miniature mirrors can be used as a decorative touch on throw pillows, curtains and placemats.
*Put a mirror on the ceiling of kitchen cabinets or the pantry which will help you see what's on the top shelf.
*Mirrors can also be used in the dining room to showcase your table decor. Use a mirror instead of a placement at each place setting. They will naturally draw attention to your table and by using bright and decorative dishes you will create a stunning display.
*Since mirrors come in all shapes and sizes, they offer limitless decorating possibilities.
*Make a mirror the focal point in a room. Consider investing in a really unique, classy mirror and frame that complements the rest of the decor in the room.
*Remember to hang mirrors at a usable height!
About The Author
Lynn Cressy, owner of Lynn's Home Decor. You will find a variety of best price home decor and modern home accessories at Lynn's Home Decor.
Monday, December 18, 2006
The RoHS Debate - Do We Need RoHS in the US?
The RoHS Debate - Do We Need RoHS in the US?
by: Ingvar Grimsmo
RoHS is often referred to as the "lead-free" directive. The RoHS directive took effect on July 1, 2006.
The RoHS WEEE directive restricts the use of six hazardous materials in the manufacture of various types of electronic and electrical equipment. RoHS COMPLIANT also referred to as RoHS 5 or RoHS 20.
In other words - any manufacturer that plans to sell electronic goods to the European Union must make sure their products comply with the RoHS directive. This has causes an untold burden on electronic manufacturers all over the world. Many consulting companies have sprung up to help factories comply.
Recent news indicates that RoHS is not just inconvenient, but a time-consuming, expensive and ill-conceived environmental law. I think the thought behind it is valid, the world could use less pollutant. But as in most government regulations – perhaps RoHS is a little overboard. It reminds one of the Sarbanes-Oxley Act.
Do we need something like RoHS in the US? The question has been posed to the manufacturing community on more than one occasion. The benefits of RoHS are obvious; it ensures that electronic parts imported into the EU are free from hazardous chemicals and other materials. This is good. But it comes at a great expense. Manufacturers now need to ensure that their raw materials adheres – and have to certify that they do.
With no US RoHS legislation proposed, California has enacted it’s own RoHS rule to take effect in 2007. The California RoHS is not as comprehensive as the EU rule. It also only applies to a certain select group of products sold through California retailers such as laptops, CRTs and TVs. It should also be noted that China is implementing it’s own RoHS laws in 2007.
People pushing for such a US law say that it is in the best interest of the US electronics industry.
“Enacting national RoHS and WEEE rules is an environmentally responsible thing to do. Computers, TVs, and cell phones contain lead, mercury, cadmium, and hexavalent chromium. They also have a shorter life span than ever before. In 1997, the average life span of a computer was 4-6 years; in 2005, it was less than 2 years. Ultimately these products wind up in landfills where the hazardous substances in them can threaten the environment. National RoHS and WEEE laws will provide incentives for removing these substances from new products, and for properly disposing of existing products.” Paul Tallentire – President, Newark InOne.
The RoHS enforcement authority (rohs.gov.uk) has already begun enforcement of the regulations since the coming into force and has already been working closely with trade associations, quality systems organisations and individual companies providing advice and support on the interpretation of the regulations.
For more information on RoHS:
ROHS Facts
More information on Sarbanes-Oxley:
Sarnanes Oxley Facts
About The Author
Ingvar Grimsmo is an author and webmaster.
Penny Stock Facts
by: Ingvar Grimsmo
RoHS is often referred to as the "lead-free" directive. The RoHS directive took effect on July 1, 2006.
The RoHS WEEE directive restricts the use of six hazardous materials in the manufacture of various types of electronic and electrical equipment. RoHS COMPLIANT also referred to as RoHS 5 or RoHS 20.
In other words - any manufacturer that plans to sell electronic goods to the European Union must make sure their products comply with the RoHS directive. This has causes an untold burden on electronic manufacturers all over the world. Many consulting companies have sprung up to help factories comply.
Recent news indicates that RoHS is not just inconvenient, but a time-consuming, expensive and ill-conceived environmental law. I think the thought behind it is valid, the world could use less pollutant. But as in most government regulations – perhaps RoHS is a little overboard. It reminds one of the Sarbanes-Oxley Act.
Do we need something like RoHS in the US? The question has been posed to the manufacturing community on more than one occasion. The benefits of RoHS are obvious; it ensures that electronic parts imported into the EU are free from hazardous chemicals and other materials. This is good. But it comes at a great expense. Manufacturers now need to ensure that their raw materials adheres – and have to certify that they do.
With no US RoHS legislation proposed, California has enacted it’s own RoHS rule to take effect in 2007. The California RoHS is not as comprehensive as the EU rule. It also only applies to a certain select group of products sold through California retailers such as laptops, CRTs and TVs. It should also be noted that China is implementing it’s own RoHS laws in 2007.
People pushing for such a US law say that it is in the best interest of the US electronics industry.
“Enacting national RoHS and WEEE rules is an environmentally responsible thing to do. Computers, TVs, and cell phones contain lead, mercury, cadmium, and hexavalent chromium. They also have a shorter life span than ever before. In 1997, the average life span of a computer was 4-6 years; in 2005, it was less than 2 years. Ultimately these products wind up in landfills where the hazardous substances in them can threaten the environment. National RoHS and WEEE laws will provide incentives for removing these substances from new products, and for properly disposing of existing products.” Paul Tallentire – President, Newark InOne.
The RoHS enforcement authority (rohs.gov.uk) has already begun enforcement of the regulations since the coming into force and has already been working closely with trade associations, quality systems organisations and individual companies providing advice and support on the interpretation of the regulations.
For more information on RoHS:
ROHS Facts
More information on Sarbanes-Oxley:
Sarnanes Oxley Facts
About The Author
Ingvar Grimsmo is an author and webmaster.
Penny Stock Facts
Sunday, December 17, 2006
Ready to Trade-In Your Home? Perhaps You Should Remodel Instead!
Ready to Trade-In Your Home? Perhaps You Should Remodel Instead!
by: Leah Ross
TAMPA, FL – Each year, millions of Americans move into the home of their dreams. As time goes by, families expand, kids grow older, and suddenly that home isn't quite so perfect anymore. Or perhaps you still love your home, but you really want a gourmet kitchen and a larger master bedroom. Should you start looking for a new house? Or would it be better to stay where you are and remodel instead?
Both options involve a significant investment of time and money, so it's important to take your time and make an informed decision. You'll also want to be sure to consider both the financial and the emotional sides of the equation. Let's begin by examining the financial factors involved.
Moving: A good local real estate agent should be able to assist you with estimates on these numbers.
• How much will it cost to purchase a home that will meet your needs?
• How much could you sell your existing home for? Don't forget to subtract the agent's commission from this total.
• What will it cost to move? According to real estate consultant and best-selling author of Remodel or Move, Dan Fritschen, a typical move costs 10% of the value of your home.
• How much will your property taxes increase as a result of the move?
Remodeling:
• What projects do you want to have done and how much will they cost? An architect or general contractor will be able to assist you with these figures.
• How much will the improvements add to the value of your home, also known as the "payback"? A local real estate agent can assist with this as well.
If the decision about whether to renovate or move were purely a financial one, then it would be quite easy to look at the numbers and come to the right conclusion. However, there are also emotional factors that come into play, and they have a value as well. Let's consider some examples.
Reasons you may want to move:
• If you relocate to a new neighborhood, your children could attend superior schools.
• You would like to reduce your commute or have better access to local amenities, such as restaurants and shopping.
• You're not particularly fond of your current neighborhood.
• Your yard is too small, and you cannot expand it.
Reasons you may want to stay and remodel:
• You're happy with your location. It's convenient, you love your neighbors, and the schools are either excellent or are not a factor.
• You love the layout of your home.
• All you need is a little more space, and your home will be perfect.
Of course only you know what is truly important for your happiness, so try to use these questions as a starting point. Create a list of the pros and cons of each scenario and leave it someplace accessible, so that you and your spouse can add to it as you think of additional factors. You may also want to consider attending open houses and visiting new housing developments to see what is available and how your home compares.
Once you've completed your list and your financial assessment, it's time to draw some conclusions. Are the numbers and the emotional factors pointing you in a clear direction? If you're still feeling unsure and would like some additional assistance, you may want to read Dan Fritschen's book, Remodel or Move, or visit his website at www.remodelormove.com. Both contain a calculator that will assist you with the difficult task of quantifying the ramifications of your decision. In addition, you can learn tips to assist you with the next step, after you've determined what it will be.
If you choose to remodel, then you'll need to have a clear idea of what you want to accomplish before finalizing any details with the contractor or architect. One of the most expensive things you can do is change the project midstream.
If you decide to move, then there are low-cost improvements you can make to your existing home that will help it to sell more quickly. The kitchen and the bathrooms provide the biggest return on investment in this area.
Whether you decide to remodel or buy a new home, it's important to ensure that you have proper financing in place prior to moving forward. If you decide to purchase a home, a mortgage originator will help you to determine how much you can afford, as well as which loan package works best with your overall financial plan. In the case of remodeling, you should meet with a mortgage professional before any construction takes place. Otherwise you may severely limit the type of financing options available to you.
Additional Resources:
Remodel or Move?: Make the Right Decision, by Dan Fritschen
About The Author
Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. If you would like to receive a FREE CD with tips from real estate consultant and best-selling author, Dan Fritschen, please contact Leah Ross at 813-643-8430 or visit Amerifirst Florida.
by: Leah Ross
TAMPA, FL – Each year, millions of Americans move into the home of their dreams. As time goes by, families expand, kids grow older, and suddenly that home isn't quite so perfect anymore. Or perhaps you still love your home, but you really want a gourmet kitchen and a larger master bedroom. Should you start looking for a new house? Or would it be better to stay where you are and remodel instead?
Both options involve a significant investment of time and money, so it's important to take your time and make an informed decision. You'll also want to be sure to consider both the financial and the emotional sides of the equation. Let's begin by examining the financial factors involved.
Moving: A good local real estate agent should be able to assist you with estimates on these numbers.
• How much will it cost to purchase a home that will meet your needs?
• How much could you sell your existing home for? Don't forget to subtract the agent's commission from this total.
• What will it cost to move? According to real estate consultant and best-selling author of Remodel or Move, Dan Fritschen, a typical move costs 10% of the value of your home.
• How much will your property taxes increase as a result of the move?
Remodeling:
• What projects do you want to have done and how much will they cost? An architect or general contractor will be able to assist you with these figures.
• How much will the improvements add to the value of your home, also known as the "payback"? A local real estate agent can assist with this as well.
If the decision about whether to renovate or move were purely a financial one, then it would be quite easy to look at the numbers and come to the right conclusion. However, there are also emotional factors that come into play, and they have a value as well. Let's consider some examples.
Reasons you may want to move:
• If you relocate to a new neighborhood, your children could attend superior schools.
• You would like to reduce your commute or have better access to local amenities, such as restaurants and shopping.
• You're not particularly fond of your current neighborhood.
• Your yard is too small, and you cannot expand it.
Reasons you may want to stay and remodel:
• You're happy with your location. It's convenient, you love your neighbors, and the schools are either excellent or are not a factor.
• You love the layout of your home.
• All you need is a little more space, and your home will be perfect.
Of course only you know what is truly important for your happiness, so try to use these questions as a starting point. Create a list of the pros and cons of each scenario and leave it someplace accessible, so that you and your spouse can add to it as you think of additional factors. You may also want to consider attending open houses and visiting new housing developments to see what is available and how your home compares.
Once you've completed your list and your financial assessment, it's time to draw some conclusions. Are the numbers and the emotional factors pointing you in a clear direction? If you're still feeling unsure and would like some additional assistance, you may want to read Dan Fritschen's book, Remodel or Move, or visit his website at www.remodelormove.com. Both contain a calculator that will assist you with the difficult task of quantifying the ramifications of your decision. In addition, you can learn tips to assist you with the next step, after you've determined what it will be.
If you choose to remodel, then you'll need to have a clear idea of what you want to accomplish before finalizing any details with the contractor or architect. One of the most expensive things you can do is change the project midstream.
If you decide to move, then there are low-cost improvements you can make to your existing home that will help it to sell more quickly. The kitchen and the bathrooms provide the biggest return on investment in this area.
Whether you decide to remodel or buy a new home, it's important to ensure that you have proper financing in place prior to moving forward. If you decide to purchase a home, a mortgage originator will help you to determine how much you can afford, as well as which loan package works best with your overall financial plan. In the case of remodeling, you should meet with a mortgage professional before any construction takes place. Otherwise you may severely limit the type of financing options available to you.
Additional Resources:
Remodel or Move?: Make the Right Decision, by Dan Fritschen
About The Author
Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. If you would like to receive a FREE CD with tips from real estate consultant and best-selling author, Dan Fritschen, please contact Leah Ross at 813-643-8430 or visit Amerifirst Florida.
Saturday, December 16, 2006
Home Improvements Turn Average Homes into Dreams Come True
Home Improvements Turn Average Homes into Dreams Come True
by: Leah Ross
TAMPA, FL – If you’re thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.
• How long have you been in the home?
• Will the improvements increase the property value?
• Are you making improvements to increase energy efficiency?
• Will improvements be made in one fell swoop, or in stages?
• What is the current outstanding balance on your mortgage?
• What is the appraised value of the home?
• How much will the improvements cost?
• What improvements will be tax deductible?
• Do you have other revolving debt that you would like to pay off at the same time?
• Are you making improvements because you plan to sell the property?
The New Tract Home Blues
Buyers of newly-built homes are often tapped out after making the initial down payment and closing costs, including upgrades to amenities and the inevitable need for new furniture. Shortly thereafter, they realize they’d like to make additional improvements to really have the home of their dreams.
If you’re planning on putting down roots (pardon the pun), landscaping may be in order. The developer may have been kind enough to make the front yard a perky green, but if the back yard is a disturbing brown color sparse with weeds, you may be entertaining the vision of a pool or deck.
Look into the option of a Home Improvement Loan with a fixed interest rate as a 2nd Trust Deed. This type of loan does not require you to have equity built up in the existing mortgage. The maximum loan amount could go as high as 125% of the current appraised value of the home, and you can make the improvements yourself or go the extra mile and hire a contractor if the job requires architectural design, permits and inspections.
It’s like a having a credit card with a much lower financing rate. In fact, the HELOC can be used for any reason at all – even paying off that credit card debt. In most cases, this action turns that revolving debt payment into a tax deductible payment with a lower interest rate. The HELOC is generally a 2nd Trust Deed, unless it is used to pay off and replace the 1st Trust Deed.
A construction loan is an alternative to the HELOC for borrowers who don’t want to use or don’t have equity, and this type of financing can be used for construction on an existing dwelling. The lender will ask a lot more questions about what the borrower wants to do with the money, and the home owner will need architectural designs, permits and a licensed general contractor on board.
Construction loans are short-term loans that usually require interest-only payments until completion of construction, but the balance is due when construction is done. Most often, that is managed up front by setting up construction-to-perm financing. In this scenario, the loan is automatically rolled over into permanent financing at a fixed rate when construction is complete, and a rate-lock agreement can be purchased to carry the borrower through that period of construction.
Another option – depending on the value of your home and local loan amount limitations – is the FHA 203(k) Program. This financing is designed for the purchase or refinance and rehabilitation of properties that meet FHA guidelines. This is worth looking into if you need to bring a property up to compliance standards, finance eligible energy efficient improvements, or turn a single-family owner occupied dwelling into a duplex to accommodate Mom or Dad!
If you’ve had your home on the market too long and have not been able to sell, you might want to make some changes to give it a fresh new look and bring back the passion you once had for your home. Your mortgage consultant will help you weigh out your options for financing based on your outstanding mortgage balance, income and credit score.
Regardless of your reason for home improvement, make sure you share your goals with your mortgage consultant. He or she can walk you through the various loan options and confer with your tax advisor to make sure you’re getting the best deal possible.
About The Author
Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. For free consultation and more information about mortgage loan programs, call Leah Ross at 813-643-8430 or vist Amerifirst Florida.
by: Leah Ross
TAMPA, FL – If you’re thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvement loan. Here are some factors to take into consideration.
• How long have you been in the home?
• Will the improvements increase the property value?
• Are you making improvements to increase energy efficiency?
• Will improvements be made in one fell swoop, or in stages?
• What is the current outstanding balance on your mortgage?
• What is the appraised value of the home?
• How much will the improvements cost?
• What improvements will be tax deductible?
• Do you have other revolving debt that you would like to pay off at the same time?
• Are you making improvements because you plan to sell the property?
The New Tract Home Blues
Buyers of newly-built homes are often tapped out after making the initial down payment and closing costs, including upgrades to amenities and the inevitable need for new furniture. Shortly thereafter, they realize they’d like to make additional improvements to really have the home of their dreams.
If you’re planning on putting down roots (pardon the pun), landscaping may be in order. The developer may have been kind enough to make the front yard a perky green, but if the back yard is a disturbing brown color sparse with weeds, you may be entertaining the vision of a pool or deck.
Look into the option of a Home Improvement Loan with a fixed interest rate as a 2nd Trust Deed. This type of loan does not require you to have equity built up in the existing mortgage. The maximum loan amount could go as high as 125% of the current appraised value of the home, and you can make the improvements yourself or go the extra mile and hire a contractor if the job requires architectural design, permits and inspections.
The Major Overhaul
If you have built up equity in your home and are geared up for some major renovation, the Home Equity Line of Credit (HELOC) is probably your best bet. This adjustable loan allows you to use your equity as a line of credit, so if you have improvements that are phased in over time you can simply write a check when you need to pay a bill.It’s like a having a credit card with a much lower financing rate. In fact, the HELOC can be used for any reason at all – even paying off that credit card debt. In most cases, this action turns that revolving debt payment into a tax deductible payment with a lower interest rate. The HELOC is generally a 2nd Trust Deed, unless it is used to pay off and replace the 1st Trust Deed.
A construction loan is an alternative to the HELOC for borrowers who don’t want to use or don’t have equity, and this type of financing can be used for construction on an existing dwelling. The lender will ask a lot more questions about what the borrower wants to do with the money, and the home owner will need architectural designs, permits and a licensed general contractor on board.
Construction loans are short-term loans that usually require interest-only payments until completion of construction, but the balance is due when construction is done. Most often, that is managed up front by setting up construction-to-perm financing. In this scenario, the loan is automatically rolled over into permanent financing at a fixed rate when construction is complete, and a rate-lock agreement can be purchased to carry the borrower through that period of construction.
Another option – depending on the value of your home and local loan amount limitations – is the FHA 203(k) Program. This financing is designed for the purchase or refinance and rehabilitation of properties that meet FHA guidelines. This is worth looking into if you need to bring a property up to compliance standards, finance eligible energy efficient improvements, or turn a single-family owner occupied dwelling into a duplex to accommodate Mom or Dad!
Just a Facelift, Please!
If you want to sell your home and you simply want to improve the curb appeal, it makes sense to go with a HELOC. Make sure you are aware of the current market value of homes in your area to make sure you’re not going over the limit on the fair market value of your home. You’ll want to get a return on your investment!If you’ve had your home on the market too long and have not been able to sell, you might want to make some changes to give it a fresh new look and bring back the passion you once had for your home. Your mortgage consultant will help you weigh out your options for financing based on your outstanding mortgage balance, income and credit score.
Regardless of your reason for home improvement, make sure you share your goals with your mortgage consultant. He or she can walk you through the various loan options and confer with your tax advisor to make sure you’re getting the best deal possible.
About The Author
Leah Ross is affiliated with AmeriFirst Home Mortgage, a Licensed Mortgage Lender, State of Florida, Office of Financial Regulation. For free consultation and more information about mortgage loan programs, call Leah Ross at 813-643-8430 or vist Amerifirst Florida.
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