As 2016 came to an end, it was time to consider New Year Resolutions. The infamous saying “new year, new me” automatically popped into my head, as society has drilled this concept into my mind for as long as I could remember. But aren’t you so tired of hearing this phrase? Every year, over and over, people claim that they will make resolutions and change areas of their lives, only to let it fall through just a few weeks later.
Let’s vow to make this year different! This year, do not quit on your resolution. Let 2017 be the year of positivity and gratefulness, savings, health, prosperity and accomplishments:
- Positivity & Gratefulness: Positive thoughts lead to positive outcomes. This year, let’s try to work on letting stress go! Focus on the happiness of waking up for another day. Whether succeeding or failing in a project, focus on the experience you gained while trying. Take a moment each day and appreciate everything around you – the beauty in nature, the smile of a coworker, a good cup of coffee – anything that you are grateful to have in your life. Say thank you more often. Enjoy a meal with family or friends. Avoid complaining or judging others, or yourself. Focus on the law of attraction, and do what you can to boost your attitude of gratitude!
- Savings: 2017 will be the year of saving! Whether you are saving money, or working to save your credit, let 2017 be the year you accomplish this goal! Work smarter, not harder! Open a savings account (if you do not have one already) and anytime you can, put money in it. Even if it is only five dollars, no pressure. If you save one dollar a day, that is 365 saved in a year, five dollars a day saves $1,825, and so on. Make sure to pay bills on time or ahead of time if you can. Keep the balances on your credit cards low, and pay off debts rather than transferring them around. Do not close any open accounts, even if you are not using the credit card, and do not open credit accounts that you do not need.
- Health: Work on your overall health for 2017, and no, this does not mean lose 50 pounds. Try to incorporate exercise into your daily routine, as a way to let go of some of the stressors from your day. Eat Breakfast! Breakfast is the most important meal of the day; it gives you energy, which leads to productivity. Meditate before bed, and reflect on calming your thoughts. Take a vacation to a destination that you have never been before. Explore your roots by going to visit the place where your ancestors lived. Grow as a person by taking a volunteer trip, or take a “staycation,” and just stay home and watch movies all day long, resting and relaxing.
- Prosperity and Accomplishments: 2017 is the year you will accomplishment your goals! Make a commitment and stick to it. Keep track of your progress, and if you fail for a moment, keep going. Ask for help when you need it. Focus on being consistent. Whether your goal is to purchase your first home, start a family, open a business, buy a car, etc. Do not stop working until you achieve it.
Make 2017 YOUR year.
New Year, Fresh Start- to be a better version of yourself.
Hooray! It’s a new year! Which can only mean one thing…New You? Not quite. How about new home? Well, sort of. You see, along with the New Year comes entirely new trends for your living space that will make all your friends wonder where you found the time to pack up and move to such a fancy abode. Now, it’s all about getting the inspiration that you need to start making the big transition into 2015. Where does such a brilliant stroke of inspiration come from, one might ask. Well, none other than from us, of course!
Start off simple and begin with your color palette to influence the direction that your redesign will venture towards. Every year a handful of new trending interior colors pop up that are influenced by people, places and even things! Most anticipated each year are the newest colors from the Pantone Spring 2015 colors like Aquamarine to give your room a dreamy feel or Toasted Almond for a very organic and natural looking atmosphere. Even beyond that there are further trending colors for the New Year like Greek blue influenced by the Mediterranean or neutral gray to bring some contrast to your space. Once you’ve decided on a color then the fun REALLY begins.
2015 is all about blending materials that seemingly don’t mix to give a very modern, yet clean feel. Whether you’re redecorating a room or your entire home with new trends for year, going for a modern look will ensure that your efforts effortlessly pay off in the long run. Try placing stress on softly curved lines or organic shapes to bring some personality to accent pieces. To give a more rustic feel to your modern new interior redesign, try your hand at juxtaposing natural elements such as stone, wood or metal with accent pieces that stand out.
Even if you’re working to simply give your favorite bathroom a new breath of life in 2015, there are new trends that are shaping up to be some of the hottest of the upcoming year. In fact, a 2014 study done by the National Kitchen & Bath Association surveyed upcoming new trends for the year expressed that most designers felt modern and simple were the key to focus on with a contemporary twist. For example, darker tiles are making their way to the bathroom to make a bold statement. Not to mention, sinks are ditching the cabinets underneath for a set of legs to give that bathroom a fresh and cool look.
It’s worth mentioning however, that when all else fails, look towards the epicenter of the hottest new trends. Yep, that’s right, we’re talking about fashion! As it turns out, the runway has always proved to be a point of inspiration for even interior design. Take loose geometric lines for example and implementing them into a room as a fresh new wallpaper or paint job will vibrantly shake up any living space! In any case, whether it’s big or small, the new year is the perfect time to try out that new trend you’ve been itching to bring to life in your home!
[Image Credit: The Hunted Interior]
With the new year officially on the clock, it’s time to start looking at making those big changes just in time for 2015. What better place to start than with some changes where you spend most of your free time…home! With National Cut Your Energy Costs Day just a day away, we’re here to provide you with all the tips you need to make sure your home is green to go!
But wait, why bother with making your home energy efficient? Well besides the obvious reason of saving big bucks AND lending a big hand to mother nature, there’s also the fact that making the initiative to have a green home is one of the few places that implementing energy efficient solutions will yield results remarkably quick. Right after you’ve made these changes, it’s not uncommon to see a drop in utility bills and spending within a few billing cycles! Even using reusable options can help to cut the average cost of spending in your home.
Consider that home appliances generally play a major role in hiking up your energy costs. But do you know just how big that role is? Well, just skipping on your dishwashers drying cycle and allowing it to air dry can cut your energy costs by up to 20% in the long haul! As if that’s not reason enough, you simply have to take into account that environmental benefits will be present, too. For example, just by lowering your water heater by 10 degrees can lessen your homes carbon dioxide output by 600 pounds a year! Try lowering the thermostat on a water heater to 120 degrees instead of the standard 140 to begin reaping the benefits and cutting your energy costs.
Whether you’re looking to make big changes or minor adjustments, every little bit counts towards making a major difference. Start by pinpointing the lights in your home that you tend to use the most. For each house, that could be different, whether it’s the light in your living room, porch or even your bedroom. By replacing the 5 most frequently used with Energy Star-qualified bulbs, you’ll be well on your way to saving money.
Even if you’re looking to start a little bit smaller, simply reduce your use of heat in appliances like washers and driers. As simple as it may sound, the results could be astronomically beneficial to your energy costs. In fact, LG Electronics reports that approximately 90% of energy used by these machines is dedicated solely to heating. Make use of cold-water settings and even hanging clothes to dry every now and then. All in all, there are a ton of ways to easily reduce your energy costs at home, whether it’s installing energy efficient appliances or just unplugging products when they’re not in use, the benefits you (and our earth) will see in the long run are clear.
[Image Source: Today Online]
The Christmas spirit can mean any number of things depending on whom you ask. To us (and any bonafide real estate fanatic) it’s all about the hidden potential that the season holds for our homes. You see, decorating during Christmas time is a common tradition, one that brings magic right into our very homes. Learning how to add that touch of Christmas magic to your living space will prove to accentuate all the hidden beauties of your home and even give your listing some extra life on the market! So whether you’re looking to sell or simply entertain, we’ve rounded up some of the best tips to make sure that your home is gleaming with joy just in time for the biggest holiday of the year!
Start by taking a long hard look at your home. This may sound a bit silly, since after all, you probably spend a large majority of time in your house. But examining your living space and determining the features to highlight is the first essential step to make sure that you’re on the right path to interior Christmas cheer! Make use of the offerings of your home and play it up to your advantage. Try cautiously using Christmas ornaments on your steps, using the interior colors to your advantage and even adding a blend of natural lighting originating from your windows, as well as from candles for dimly lit areas.
It’s important to make sure that the decorations you add, whether for staging or personal gratification, add an elegant twist to the room without coming off as overbearing. Try to focus on the feeling that the room conveys to the average eye. More importantly, focus primarily on the core of your home, which can represent a number of different rooms depending on your living space. Focusing on the focal point of your home when it comes to your Christmas redesign will prove to save both time and money on your efforts.
Even if you have the saying “less is more” permanently engrained in your memory, skipping out on winter accentuating decorations altogether may put you at a slight disadvantage to others. Even a few subtle touches will help reimagine your living space. This includes the ratio of your Christmas tree to the room it’s placed in. While a tall tree helps draw the eye to higher ceilings, one that is wider and takes up more floor space could leave guests feeling claustrophobic.
In addition, make use of a natural color palette that doesn’t go overboard. Try mixing metallic with your colors for a nice seasonal touch. Above all else, make sure that your outdoor Christmas lighting doesn’t border on over the top. Try using holiday lights to your advantage to highlight the key features of your landscaping like neatly trimmed shrubs or the amazing silhouette of your home.
However, you plan on doing it, simply be sure to bring a touch of holiday cheer to your home with some added love. After all, the Christmas season is all about the magic of wintertime. Happy Holidays!
Image Credit: Architecture Art Design
With Thanksgiving quickly approaching, it’s important to make sure that your home’s interior design is up to par for all those critical family gatherings that are bound to occur. Because lets face it, the holidays are without a doubt a time for joy and happiness, but they can be pretty stressful, as well. Don’t worry; interior design can be a tricky, time-consuming task that sometimes only succeeds with the right amount of testing and, most importantly, patience. So where do you begin with your Thanksgiving home makeover? Well, right here of course!
Decorating your home for the Fall is all about those quintessential warm, colors. But when you have loved ones over for Thanksgiving, why not give them something to talk about (besides all the delicious food) with a combination of interior design techniques that will provide, dare we say, an out of body experience! To begin, incorporate harvest colors and berry tones throughout your homes design and pair it with textures like leather or suede to tie that comforting feel all together. Don’t forget to throw in some still life pictures. Most importantly, appeal to their olfactory senses with some scented candles; why not go for the biggest Fall trend and try out some crackling Pumpkin spice candles.
Granted, however, some of these methods are commonplace when it comes to creating a warm inviting home for Thanksgiving. But some of the most important 2014 Fall trends would prove to brighten up your home in a dazzling way. Start with smaller details like candleholders or iconic detail pieces, one of the latest trends uses mixed materials like a metal base and stone setting above that. Geometric forms have also found their way into many homes in 2014, try your hand at the trend with furniture pieces that have geometric legs or honeycomb wall shelves to give your room a nice twist!
Another neat technique you can try out is to blend an outdoor feel with your indoor living space. Not only will this hot 2014 trend bring your space to life just in time for Thanksgiving, but finding an iconic piece could bring a modern twist to an elegant design, so make sure to make it one-of-a-kind in your home to leave your Thanksgiving guests breathless. Finding all these great pieces will surely benefit your Fall home redesign in time for the holidays, but keeping them true to a color palette will be the defining factor in tying it all together! Try some bronze hues to convey a serene, yet formal atmosphere. And don’t forget, of course, that pop of color for extra points!
Finally, show your creative side with some neat Thanksgiving DIY projects for that big dinner! Whether it’s pumpkin placements or golden acorns, each little detail will breathe new life into the easily forgotten-about spaces. Try placing fall leaves or flowers with warm colors throughout your home, whether it is the Thanksgiving table or bathrooms. All in all, Thanksgiving is a time for giving thanks for all that we have and a time for family and friends, so sit back, and enjoy the holiday!
A current trend in luxury homes is building big on smaller lots. Sure, there’s not much privacy, between you and your neighbor, but there’s less lawn for maintenance. And more importantly, it means that you can get a newer luxury home in an urban area.
This 6,315-square-foot Spanish Revival home at 2240 Inwood Dr. Houston, Texas, is listed at $4.9 million.
Will Holder, president of luxury homebuilder Trendmaker Homes says that homebuyers will see a lot of new construction where homes are built deep and wide on smaller lots. Al Ross Luxury Homes says to differentiate his homes, he is building, a lifestyle not just a home. For example, all of his homes come with a one-year personal concierge maintenance service that offers the homeowner complimentary seasonal flower and plant renewal; driveway and garage concrete cleaning; seasonal spray washing and cleaning of the home’s exterior; gutter and fireplace cleanings; light bulb replacement; dryer exhaust cleaning; maintenance of appliances, plumbing and pipes; touch-up of scuffs and scrapes; and attention to any mechanical, technical or electronic issues — all free of charge for 12 months.
Each home is equipped with such luxury amenities as elevators, energy-efficient air conditioning and heating, backup generators, and state-of-the-art smart home systems that control everything from sprinkler and mosquito systems to sound and video, with the touch of an iPad.
These 10 mortgage tips can help you with your mortgage decisions in 2014.
1.Document your finances: Lenders will be extra diligent when underwriting home loans in 2014, as new mortgage regulations go into effect in January. The rules put pressure on lenders to verify that borrowers have the ability to repay their loans.
2.Lock a rate as soon as you can: Rates will likely climb in 2014 as the Federal Reserve is expected to reduce the pace of the economic stimulus program that has long helped keep rates low.
3.Refinance now — if you still can: Many homeowners lost the opportunity to refinance at a lower rate when rates jumped in 2013. But those who are still paying more than 5 percent interest on their home loans might still have an opportunity.
4.Buyers, use your bargaining power: As mortgage rates climbed, lenders lost a big chunk of their refinance business. In 2014, they will turn their attention to homebuyers and will fiercely compete for their business. Buyers should take advantage of bargaining power they gain with that increased competition.
5.Learn your rights as a borrower: Mortgage borrowers will get many new rights as consumers this year when new mortgage rules created by the Consumer Financial Protection Bureau go into effect in 2014.
6.Take good care of your credit: It’s nearly impossible to get a mortgage without decent credit these days. That will continue to be the case in 2014. If you are planning to get a mortgage, monitor your credit history and score until your loan closes. The best mortgage rates usually go to borrowers with credit scores of 720 or higher. You may still get a mortgage with a score of 680, but lower scores will mean higher rates or higher closing costs.
7.Don’t overspend: Lenders don’t want to give out loans to borrowers who will have little money left each month after they pay their mortgages and other debt obligations such as credit cards and student loans.
8.Consider alternative mortgage options such as ARMs: A homeowner planning to keep a house for seven to 10 years could take advantage of lower mortgage rates by choosing a seven- or 10-year ARM instead of the 30-year traditional fixed-rate mortgage. Rates on adjustable-rate mortgages can be as much as one percentage point lower than on fixed-rate loans.
9.Considering an FHA loan? Reconsider: Mortgage insurance premiums on FHA loans are likely to continue to rise in 2014, and after recent changes, the borrower is now required to pay for mortgage insurance for the life of the loan. Try to qualify for a conventional loan before you apply for an FHA mortgage.
10.Don’t panic:Yes, mortgage rates will likely climb in 2014. But don’t panic, thinking you have to buy a home now to grab a low rate. If you are shopping for a home, do your best to move quickly, but remember that this is one of the biggest financial decisions of your life. Get your mortgage and buy your home when you feel ready.
1. Replace your refrigerator
This is one of the biggest energy-guzzling appliances in the house and there have been big changes in the efficiency of this appliance over the last five years. Replacing older dishwashers and dryers can make a big difference too.
2. Install a programmable thermostat and a timer for the water heater
Just as you would flip off the lights before heading out to work, you should turn the heating or cooling off or down while you’re away. Program the thermostat for a higher temperature when you’re gone in warmer months, or lower in cooler months. These thermostats can be had for $150 at big-box hardware stores.
Likewise, don’t heat your water when you’re not there to use it.
3. Put a solar film or solar shades on the outside of windows to cut the heat
If you’re moving into a house with single-paned windows, or living in a climate with extreme heat, you should consider putting something on the outside to reflect the light.
4. Don’t let the heat escape
Also, caulk window and door frames to make sure they are airtight. And if possible, use honeycomb-type shades on the inside to trap the heat before it is absorbed into the room.
5. Use compact fluorescent bulbs
This is kind of a no-brainer, experts say, because it’s so cheap to do and saves so much on your electricity bill.
6. Change the filter on your air conditioner regularly
This monthly maintenance helps it run more efficiently and minimizes wear and tear on your unit. Arranging furniture so it doesn’t block air vents also is important to maximize the flow of cooling from your system.
7. Put in shady landscaping
Planting a tree or some vegetation outside a big window can shade your house from the strongest rays of the sun and stifle freezing winds. Planting low-water native plants can also cut your water bill; lowering the total cost you pay for you home each month.
8. Invest in an attic fan
These inexpensive fans can make a difference in the temperature of the whole house and keep your air conditioning from working so hard.
A recent post on CNN Money shares some the most common problems in the home that could lead to disaster, along with home repairs that can keep trouble at bay.
1. Take care of your roof. Fixing leaks and keeping your attic insulated can prevent costly water damage, as well as keep your home’s temperature regulated.
2. Repair old pipes. A cracked pipe can leak over 200 gallons a day. Keeping your pipes in good condition can not only prevent water disasters in your home, it also helps keep your water bill low.
3. Dump the old dryer. Lint buildup and faulty components in your dryer can cause dangerous fires. Replace outdated appliances and wiring with ones and keep your family and home safe.
Read the entire article at cnn.money.com.
If you’re a homeowner, refinancing your existing mortgage could save you money to later use on home remodeling and repair. Home Financing Center can help you find a program that’s right for you.
You’ve been planning on remodeling for years, and now you’re finally ready. Maybe you’re using a generous tax return or maybe you’ve refinanced your mortgage to take on the home renovation project.
However you got to this exciting moment in homeownership, there’s one golden rule to follow before cutting that old bathroom or laying down that new deck.
Future-proof your home.
That’s right, we all have our own styles when it comes to what our dream home looks like, but keeping future buyers in mind–even if you don’t plan to sell your home for years to come–will ensure your home will sell quickly when the time eventually comes.
A recent article on MSN.COM shared several must-do renovations to future-proof your home. Here are the top three:
1. Improve Your Home’s Insulation.
2. Use formaldehyde-free cabinets for kitchen upgrades.
3. Consider a tankless or solar-powered water heater.
For more on these and other home remodeling tips, read the full article here.