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Interior Painting Rules Of Unity And Transition

Wednesday, October 1, 2014

Homeowners planning on interior painting often struggle over the issue of trim color during the planning process. Often they plan wall colors, on account of what they have seen in a magazine or while visiting a friend's home. Maybe they have a particular fabric in mind and want to match a color in the fabric for the walls in that room. Anyway, the problem arises with what to do with the trim for that room. Is it possible to use a different trim color than the existing trim being used in other areas of your home?

Interior Painting  Home
Interior Painting
While there is no absolute rule about trim color, that if broken, would cause you to be arrested by the color scheme patrol, there are some things you should consider.

1. The trim and ceilings of your home are what establishes a unified look and feel throughout your home. You can change your walls to any color that you like, or that fits with the theme you have planned for the interior of your home. The use of one color on the trim and ceilings will give you a smooth transition between wall colors as you travel throughout your home. Without this consistency, your home takes on a feeling of disunity.

2. White trim and some off-white colors will go with any wall color. That is why it is so popular. It gives you much greater flexibility in interior color coordination and design. Deciding to paint your trim a color other than white will limit your decorating options; however, I have seen some marvelous color co ordinations while using more color for trim.

If you really want to change the color of the trim for a particular room, then test the color. Try to get a feel for how it will impact the rooms or halls adjacent to that room. Will it be completely separated by a door? Will the door be closed most of the time? If the room is open to other areas of the house that are easily seen, how will that impact the color theme for the other parts of your home? You don't want to put a lot of time and effort into painting a room if in the long run you're not happy with how it makes the rest of your home look. Test the color on a door jamb or baseboard and then stand back and get a feel for what it does for unity of passage from other rooms to that room. It would be a good idea to wait a few days to see if you grow tired of the transition between colors. Often what we initially think looks good, loses its appeal over time.

Cash Out Refinance For Your Home Is A Tax Trap

Tuesday, September 16, 2014

Have you ever refinanced your home, used the proceeds for personal use, and then claimed a tax deduction for the interest? I have some bad news. The IRS limits the amount you can claim as an interest deduction for tax purposes.
Home Is A Tax Trap
Home Is A Tax Trap

Are you confused by what this means to you.
Do not worry you are not alone. You see we all believe that the interest you pay for your home (mortgage and a HELOC interest) is tax deductible. I found out the hard way that this is not really the case.
When you refinance on your home and use the money for any reason other than home improvement, the IRS limits your deduction for interest. In some cases you won't be able to claim the deduction at all.
Here is how it works. The IRS starts by giving you a tax deduction for mortgage interest. There is a fancy name for this called the home equity indebtedness deduction.
All this simply means is that:
If you are married and file a joint return you are generally allowed to claim a deduction interest up to $100,000 of the funds you borrowed. If you file separate tax returns the limit is $50,000. I am only referring to one aspect of the deductions here which relates to refinancing or borrowing extra from your mortgage. There are other deductions and incentives so please consult your advisor.
Now that you understand the deduction here's how they take it away from you.
Let us look at the following example to see how this works.
Let us make an assumption that you owe $260,000 on your mortgage and that you bought your home for $300,000.
You decide to refinance and take cash out for $30,000. You worked hard and though it would be the ideal time to cash out. Can you claim an interest deduction on the entire $30,000? Let's assume the market value on your home the day you decided to take the cash out refinance is $320,000.
You may be in for a surprise. If you previously claimed a deduction or thought of claiming a deduction this year, the IRS may limit your interest deduction lowering your refund.
You need to do a second quick calculation to find out the difference between the market value of your home and the costs plus improvements. In this example your market value is $320,000 and the cost is $300,000 so the difference is $20,000. This means is that even though you are allowed to claim up to $100,000 the IRS limits this and tells you that you can only claim interest on $20,000. So if you borrowed $30,000 and used this for personal use, the tax deduction for interest can only be claimed on $20,000. The interest you paid on the other $10,000 is disallowed.
Now if the market value of your home has decreased below the cost of your home, you cannot claim interest on any of the $30,000 you borrowed. I have seen hundreds of clients caught up in this potential tax trap and most of them have their taxes completed by their tax accountants. So if you home is worth $290,000 today and the original cost is $300,000, the entire interest you paid on the $30,000 you borrowed cannot be claimed for tax purposes.
A quick test to see if you are able to claim the deduction for mortgage interest.
Go to the url or the unique links below and gain access to a quick and easy checklist. In this document, we have given you suitable points to consider preventing you from making unnecessary mistakes when filling in your tax return.
If you are filling out your tax returns this year, and you have used funds from your HELOC for personal use, I strongly suggest that you first contact your tax accountant to figure out whether the interest is tax deductible. This is the best move right now, and could prevent you from paying extra taxes and penalties later on.
Please note that this article is for informational purposes only. No liability is assumed with the information presented above.

Electronic DIY Projects - Build Your Own Magnetic Generator and Produce Free Electricity!

Thursday, September 4, 2014

Imagine building an electric magnetic generator and producing your own electricity. There can't be many electronic DIY projects to beat that! If you are looking for a new project, this is the one for you!

I was surprised to learn the technology existed to produce your own electricity. I was even more surprised that thousands of people around the world have already built their generators and no longer have to pay electricity bills.

That's right; these generators can power your whole house.

I'm sure you already know that solar power produces only enough energy to heat the hot water in your house. That's still pretty cool but it doesn't compare to completely powering your house!

As far as electronic DIY projects go, I can't think of any that are as fun as building your own magnetic generator.

All the parts and materials you need can be bought from any good DIY store for under $150.

Even the magnets are just standard household magnets that you can buy anywhere.

You can buy the plans for as little as $50.

So for under $200 you've got everything you need for your next electronic DIY project.

Depending on what size you make the generator and how you implement it, it can power your whole house. You can also make a smaller scale version which can reduce your electricity bill by half.

It really depends on you and your own DIY skills. One thing is for sure, this is one of the most exciting DIY projects that you can undertake!

Building your own electronic magnetic generator! How cool is that!

Education Sector: Some Practical Suggestions For Interior Design

Sunday, August 31, 2014

Approaching interior design for the education sector demands a careful approach. Whereas in your own home you can let your taste guide your way and your budget set your limits, buying for a room you will not use presents very different considerations. This article offers a brief look at what you need to consider when buying for interiors in a residential education setting.

Taste
The first casualty of buying interiors that others are to live in is your own taste. When choosing the right look you need to jettison your taste, or at least as much as you can. Consider the age-group of the residents and how much time they will spend in the accommodation. Hotel room design is a good starting point, as although this will be the resident's home for a while it still retains the generic needs of a hotel room, in that the main aim is to be as neutral as possible. You cannot possibly cater to all tastes so it is better to at least offend as few as possible. If you have a child of the same age-group or a member of your wider family that is a student then ask them to take a look at some ideas of fabrics and colours to see what they like, or failing that find out what they really dislike. There are specialist companies that supply both the hotel industry and the education sector and these websites can be not only a good starting point but a cost-effective source for your needs.

Safety
There are strict fire regulations around what is called 'sleeping accommodation' when it is provided as a service. Make sure you have read the current regulations and follow the rules on fire-retardant bedding, curtains and furniture. Again, a reputable company that is set up to supply to the hotel or education sector will have all products clearly marked for their fire-retardant qualities.

Function
The key phrase here is 'hard-wearing'. Children and young adults have rarely ever bought their own bedding or curtains and this means they will not respect its cost or its care. There is no point in putting your faith in rules, except the rule that you should plan for disrespect of the room you provide. Buy products that are hard-wearing and even if the initial cost is higher this will save money in the long-term.

Also, keep in mind that the rooms you will buy for are, in part, for studying. If it is a higher education setting then the room will be a primary location for the student's reading and computer use. Colours, lighting and the placement of furniture should fit the function of a room where reading will be a daily activity. For a private boarding school environment little extras like black-out curtain linings can add something to the design of a room, demonstrating consideration for a child who might struggle to sleep away from home.

Costs
In the current economic times cost consideration is more important than ever. If you are fitting out a number of rooms then of course it is best to buy in bulk from one supplier. The more items you can source from one place the stronger you can negotiate on price. All rooms needn't be the same, though, you can theme rooms by breaking them into three or four groups so that adjoining rooms are differently accented in colours and fabric patterns. Fire retardant fabrics can be expensive when bought from the household name shops, so again look to firms that understand the budget constraints of buying for the education sector.

Buying Art For Your Home

Thursday, August 28, 2014

It often seems to me that we view works of art in a particularly unique and individual manner. You may look at a particular piece and really love it, but a friend or family member may take a real dislike to the same composition. This is, in a way, part of what makes art so fascinating.

It might also be said, however, that it does throw up a few problems. I think that one of these can be seen when you are choosing items for your own home. This can certainly be a difficult task, partly because you will usually have multiple aims in mind.

On the one hand, you'll undoubtedly be looking to select something that you like and that you believe that you will enjoy for some time to come. You certainly don't want to decorate your own home with an item that you really don't like!

But it's also easy to see how some people stumble into the issue of making really poor decisions in this area. This comes about due to thoughts about pleasing others. Instead of thinking about our own wishes, it becomes fairly easy to start considering others.

Although this may be seen as being a healthy approach to life, it's also not without its difficulties. What happens if you see a painting, for example, that you really love? Is it enough to buy it and to ensure that it is placed in a suitable position within your own home?

What happens if you have a fear of the fact that visitors to your home may not think that you have made a suitable selection? I think that there are a number of issues that are raised here. One of them is that it's always difficult to second-guess the reactions of others.

In a sense, this recalls a point that I made at the very outset of this article. If we all have different reactions to artworks, then how can you possibly predict how other individuals will react? But this is not the only issue that is to be considered.

You also need to realise that it will be impossible to please everyone who sees an individual piece. In fact, it's worth remembering that plenty of people won't like the item that you select. When it comes to art, this is very much the reality of the situation.

So where does this leave you? My own feeling here is that you should make decisions that are based on your own views. This does, at least, ensure that things are kept nice and simple.

Choosing A Shower For Your Bathroom

Monday, August 25, 2014

As the New Year approaches, many of you will be thinking about remodeling your bathroom. If you’re tired of your dated unappealing bathroom design then a complete refurbishment may be just what the doctor ordered. The shower is the focal point of any bathroom, and so adding a new one can add a real wow factor. Let us take a look at the best showers out there for you and your home.

One popular option for a bathroom shower is the corner enclosure. These showers are curved and contemporary and are the epitome of modern bathroom fashion. Choose clear glass and chrome handles that compliment the enclosure perfectly. You’ll love washing away the stresses of the day in this stylish enclosure Another positive to this option is that it will also appeal to potential buyers who are looking for a spot of contemporary style. This is an important consideration should you wish to sell your home at some point in the future.

A quadrant steam enclosure can be a more interesting option. If you’re after a little luxury from your new bathroom then a steam enclosure can be an ideal choice. These attractive cubicles are not only great for showering but they also provide a high quality steam system enabling you to enjoy a sauna in the comfort of your own bathroom! Saunas provide great health benefits and can help you to unwind and relax tired muscles at the end of a long day. A sauna in you home is another buzz factor that could sell a home.

If you need to make the most of the space available in your bathroom then a storage enclosure may be the right choice for you. Storage shower enclosures look great but their main selling point is their storage shelving units which are built into the enclosures themselves. You can easily store your shower gels, shampoos and other bits and pieces as well as your towel which will all accessible from inside the enclosure. This is a great option if your bathroom is small in size as it will limit the amount of clutter within the room and remove the need for chunky storage units. This will create much needed space within the room.

Any of these shower options for your bathroom would make great additions to your quality of life and would also help in maintaining or increasing the price of your property.
 

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