BRICK FIELD STUDIOS

It is not a secret to anyone that today’s real estate market has created amazing values for home buyers. This market, without a doubt offers a tremendous opportunity to a first time home buyer to create equity with none of your own money. Today’s home buyers don’t have to look too hard to find great deals. Anywhere you look you will find sellers of distressed properties.

With little creativity and 3 to 4 months time investment you can create $20,000, $50,000 even $100,000 or more in equity. How? ‘Fixer uppers’ aka ‘handyman specials’. No you don’t need to be a handyman you just need to hire one. 

Find a fixer upper in the area you want to own a home. There are a number of ways you can do it. Ask your realtor to search on Multiple Listings System for ‘corporate owned’ and/or ‘bank owned’ properties. Do a Google search for ‘Real Estate Owned‘ or ‘REO’; this will give you a list of websites where you can find bank owned properties. These are the terms that lenders use to describe properties that they repossessed though foreclosure and they are more than egger to get rid of them. Also it’s a good idea to scan through your local classifieds for ads that contain one of the following: ‘motivated sellers’, ‘handyman special’, ‘needs TLC’.

Get a repair estimate and asses the after repair value of the property. All you have to do to get repair estimate is find a few contractors who will give their estimate of the work you want to get done. Get at least 3 solid estimates. In order to find out what the After Repair Value of the home will be, simply look at what price properties comparable to yours are sold in the half a mile radius in the last 3 to 6 months. If you really get you mind set on a particular home and seriously considering the purchase you can hire an appraiser. Make an offer on the property and in the contract include clause saying that if an appraisal contingent on the repairs you are planning to complete comes in at less than what you are estimated you can walk away from the deal without any penalties.

When looking at houses look for what it can be, not at what it is right now.  You will see properties that look a lot scarier than what they really are. Don’t over spend; focus on the things that will add most value to your new home. Kitchen and bathroom updates should be the biggest part of your repair budget. If space permits you can add a bedroom or a bathroom. Remember, our goal is to create as much equity as possible so budget for renovations that will give you the most bang for your buck.

Make an offer and close the deal. One definite advantage you have working for you is the property itself. Use the short comings of the house as your negotiating ammo. At this point you have at least 3 estimates from licensed contractor and you should do home inspection. This will protect you from unpleasant surprises in the future.

Find and close on financing for your project. You have a few couple of chooses: First – hard money lenders. Once you start your research you will find out a few scary things, for example, high closing costs and high interest. However the advantages way outweigh the cons. Your closing costs and six months of payments can be rolled into the loan, which gives you enough time to complete the project and refinance with a convectional lender. You can finance up to 100% of the purchase price and repair costs. Hard money loans are short-term loans with balloon payment usually in 12 to 18 months. Don’t let it scare you, if you are diligent and stay on top of your project you will be enjoying your new home way before the balloon payment is due.

Second option is a private loan. You might know someone who will be willing to lend you money to complete your project in return for higher interest rate than what they are getting on CDs or stock market. You will offer then 1st lien on your property and refinance out of their loan in 6 to 8 months or earlier. This is a great alternative to hard money loans. You can negotiate low or none closing costs and lower interest rate.

Complete your rehab. At this stage you have to be focused.  Monitor your contractors. Always check on the work that is claimed to be completed before you pay them. And one rule that can not be broken and I can not stress it enough; DO NOT prepay your contractors.  If you want to complete your project on time and within your budget and don’t want to get screwed out of your hard earned $$, do not prepay for any work. Don’t let anyone convince you otherwise. This one mistake can break your whole venture and leave you with a huge debt and nothing to show for it.

Refinance with conventional lender. As soon as your repairs completed start applying for refinancing.  At this stage you will have to do second appraisal of the property. This will be ‘as is appraisal’ to determine what the current value of the house is. If you did your homework at the beginning of your project and your initial estimates were correct, by now you have created enough equity to refinance out of your hard money loan. In some cases you might be even able to walk away with cash from the closing table to buy some nice furniture for your newly remodeled home.

Why go through all this trouble? You can have a newly remodeled home, completely customized to your own taste and needs for a total cost of 70 cents on dollar or less compared to the property values in your area.

A dining room is a room for consuming food. Historically the dining room is furnished with a rather large dining table and a number of dining chairs. The most common table shape is generally rectangular with two armed end chairs and an even number of un-armed side chairs along the long sides. A number of families have not enough places for make a dining room. They are usually combining with others room but nowadays dining room is becoming one of the requirement offers in a house. Dining room is becoming habit where all the members of the family enjoining food together. Dining room means a lot for the family.

What is dining room means for the institutions?

Most restaurants, hotels, schools, and office require dining room furniture. Those are place in dining area and facilitate eating, serving and seating. They include a wide range of dining tables, chairs, storage cabinets, serving trolley and side tables. Dining room furniture is not only as the plus points but main points in some industry. Dining room furniture is founded in many wood and metal combinations. Based on market needed there are many furniture companies sell dining room furniture product. As well as producers, the customers also need a qualified product with the minimal prize. One of the ways to get a minimal bugged is with looking for dining furniture wholesale company. You have a big change to get a big discount if buy in huge mount or in wholesale. For the institution buy in wholesale is beneficial than buy with retail. Dining furniture wholesale is helping for business sector but if you want to buy, pay attention on what you get not what is cheapest. Money is not cheat choose a qualified furniture do not trap in price. As a result, used dining furniture looks as good as new and cost much less.

The spatial matter is not that simple. House when we will spend our free time with family should be some thing to put in our precedence. Designing the room is showing our taste, it is important to have reference before. House is consisting with several rooms in variation function. Scheming the room actually will pass on three steps there are decide the room activity, concept and design.

House is consisting of several rooms. Dividing each into function like dining room, living room, bed room, kitchen and so on. After you get the function of each room decide your room character. The room size will be the next consideration for make a room concept.

The room concept is about room elements, material, color, lighting and air circulation. Than, based on thus information you might thing about your home design. You want completing your home furniture considered your home design theme.

Wood material can be the reference material or your home furniture or home material. Wood furniture will bring the balmy, warm and natural atmosphere in your room. The gains of wood furniture manufacturer are much help for wood lover to get wood stuff. Wood material is well known for termite proof and durability but wood finishing will make it for years to come even for teak.

Otherwise, wood material has easily absorbed and release water. The moist of the room will influence the wood furniture. Wood has the ability to balance the room temperature. Thus, make wood is able to place everywhere even in air conditioned room.

For detail information about wood furniture manufacturer please come to our site on www.woodendiningroomfurniture.com, the leading innovation of wholesale furniture and modern design from Indonesia.

Got a bit of a crush on Elle Macpherson?

We understand; she always looks so damn good. And now we can have a sneak peak into her London home as estate agents have leaked photos to the press. This is the kind of thing that gets the mydeco team very excited.

Ok so nitty gritty first – her seven storey house is Victorian in style, was built in the 1850s, boasts six bedrooms, five bathrooms and a 36ft long kitchen which leads onto a large dining room (perfect for those dinner parties). Having bought the house in November 2006 (woops, that’ll be the peak of the housing market), she is now trying to flog it but like so many homeowners, is struggling to shift it.

Last summer, she popped it on the market for £9.5million but after failing to receive any decent offers, the mother-of-two dropped the price to £8.95million in January. As if that wasn’t enough of a kick in the teeth, she has just slashed it to £7.5million – a whopping 21% reduction on the original price.

MacPherson, the epitome of glamour herself, has spent tens of thousands of pounds restoring several of the grade two property’s original features and redesigning to her own style. From the pictures, we’ve gathered that Elle opts for a classy and expensive approach to interior design. Staying away from an overly eccentric colour scheme, the model sticks to pure whites accompanied with earthy colours. This really is impeccable, understated luxury.

The pice de resistance in her beautiful home is the ultra modern kitchen which boasts stainless steel accessories and bang-on-trend lacquered surfaces. You could match Elle’s style with a sleek silver fridge available at B&Q, but if your budget does not extend to a complete kitchen revamp add a touch of shine with Heal’s white lacquered vase.

We also love the bricked tiling in the bathroom that dons connotations of the London underground, (without the grubbiness) and works beautifully against the simplicity of the pure white bath. See our blog for a picture of Elle’s bathroom and steal her style with Wallpaper Direct’s convincing brick wallpaper and a free standing bath from the Big Bathroom Shop.

It is in the living room that Macpherson experiments the most. The bold red carpet really warms up the place and compliments the abstract art on the wall. The jury is still out as to what we think of the leopard print arm chair? But after all the controlled luxury elsewhere, we commend Elle for embracing her wild side! Recreate the look with a Tuareg red Rug at Heal’s and be daring with a decadent Leopard print armchair at Jimmie Martin.

Garage doors have come a long way from the simple, utilitarian doors of the past. Drivers had to step out of their vehicles to open or close their garage doors, not a long time ago. This was a real hassle, especially for people living in cramped, smaller spaces. Luckily, advancement in technology has led to numerous changes in garage door design. Today, there are dozens of different varieties of garage doors available to choose from and these modern garage doors are far more convenient to install and use than ever before.

Up and over doors, swing hung roll up garage doors, roller garage doors, and sectional garage doors are the most popular types of modern garage doors today. Each of these different kinds of garage doors has their own characteristics as well as advantages and disadvantages. You may choose one type of garage door or another depending on your needs and preference.

Roller garage doors are best suitable for smaller garages or in houses with little space. It’s also a good choice if the alleyway leading from your garage is narrow or you want to use the space for another purpose. This type of garage door simply rolls into a cassette installed above the entrance. The roller-type door is also remote controlled for your convenience. Roller garage doors are usually made from narrow strips of light metal, such as aluminum.

Meanwhile, overhead garage doors are suitable for garages with bigger spaces. This type of door is also called up and over because it is made of one piece and swing up to open. Because of this, you will need space to open and close this garage door. Sectional garage doors are similar to roller garage doors but have bigger sections. This type of garage door can be made of various materials such as PVC, metal (usually aluminum or composite materials. Sectional garage doors can also accommodate windows.

Swing hung doors are the classic type of garage gate on the other hand. This type of garage door can be very elegant and stylish but they are suitable for bigger spaces because they need space around them. Installing a swing-hung door is definitely worth considering because this type of door is not only elegant but also quite durable, lasting for many years if your garage has ample space.

Automatic prefab garage doors are fast becoming a popular trend these days. That’s because this type of garage doors can look stylish and elegant but are still relatively less expensive than other types of garage doors. Moreover, an automatic prefab garage door is very easy to use and have security features and other options. The automatic prefab garage door comes with a rolling system: the door is simply rolled up and stored in a case along the roof of the garage, similar to a roller garage door. This type of garage door work smoothly and quietly. It is also quite easy to install, you can even Automatic prefab garage doors are fast becoming a popular trend these days. That’s because this type of garage doors can look stylish and elegant but are still relatively less expensive than other types of garage doors. Moreover, an automatic prefab garage door is very easy to use and have security features and other options. The automatic prefab garage door comes with a rolling system: the door is simply rolled up and stored in a case along the roof of the garage, similar to a roller garage door. This type of garage door work smoothly and quietly. It is also quite easy to install, you can even do it yourself. This makes it a convenient and affordable garage door choice.

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Appliances are an important part of your home. Some of them we consider to be our toys because they are not requirements but we acquire them to make our entertaining, dining and quality leisure time at home a pleasure. Such appliances are often regarded as electrical appliances and qualify for other considerations. They are often purchased as gifts for the holidays or as rewards for other types of accomplishments. As pleasurable as they may be, they are not necessities and often are expensive to add to your belongings.
   
The appliances that no home should be without are the ones that serve many useful purposes in the house. There are some major appliances that are a must for efficient operation of the home. For example, in the kitchen there are several major appliances that are necessary. The main one is a stove. Although it is possible to cook many foods without a stove, the quality of cooking is greatly diminished if a microwave is the only source of cooking power.

Another major kitchen appliance is the refrigerator. The kitchen simply is not functional if you do not have a place to store perishable foods such as milk, eggs, cheese and various types of produce. The refrigerator is usually equipped with a freezer compartment that serves as a source for storing frozen foods such as ice cream.

Whether there is an official laundry room or just an area where clothes are washed, a set of major appliances that no home should be without are the washer and dryer. A washing machine provides an automated way to put your clothes in, choose the proper setting and move on to do something else. Once clothes are done washing and have gone through the rinse and spin cycle, they need to be dried. A dryer is another major appliance that no home should be without. Some clothes are suitable for air drying on a clothes dryer our outside on a clothes line. Most clothes, however, benefit from being dried in the dryer.

The dryer allows for individual settings that are set to the particular type of clothes. Some examples of drying choices include permanent press, tumble dry and regular drying at timed settings that the user picks. Heavy fabrics such as denim and bath towels can be set to dry perfectly. Many designs of clothes dryers are on the market today. Some are fashioned with a shelf that allows for air drying of fine washables the same as hanging them on the line to dry but in a fraction of the time.

An iron is a well-valued appliance that no home should be without. In concert with the iron is an ironing board which allows for the sharpest creases and precise lines to be ironed into pants and shirts. Some people also like to iron their flat sheets and pillow cases to have a wrinkle-free presentation for their beds.

Blenders, mixers, food processors and toasters are appliances that many homes have because they make the process of cooking much simpler. Remember that each appliance that does not have a fixed location in a particular room will need to have an area where it can be stored when not in use.

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All your bed room requires is beauty. With comforters and duvets, which hare versatile and functional components to always give your be that attractive look and style day in day out. You can be assured of adequate decoration and warmth for your bedroom. Their qualities of inexpensiveness, most painless and also the quickest response to the bedroom desires for beauty grants you every opportunity to love your bedroom.

Between a duvet and a comforter, what is the actual difference? A Duvet is a quilted non- washable filled blanket without decorations, it is normally white or off white in color. They also have down feathers while a comforter is a washable quilted filled blanket that has a variety of colors and is filled with synthetic fibers.

The Duvets needs some covering to protect them from dirt and uses a removable case that is similar to pillow a case which is large in size. On the other hand, comforters are machine washable and hence do not need to be covered but this does not bur you from using a cover on your comforter.

Did you ever realize how important and economical the Duvet and the comforters are? No matter how old they are, this is not the end of beauty in your bedroom, however, you can use it by giving it a new purpose and look other that throwing or dumping it, you can cover it to decorate the bedroom.

You should never forget that the bed is the vocal point in your bedroom. The moment you enter the bedroom, it catches your eye out of the portion that it occupies, so, Duvets and comforters if used well can alter the look in your room to a great beauty without having to refurnish it. We can also declare that no other design on whatever area in the bed room will attract the eye than what you have used to cover your bed and this gives us every reason to cater for the bed mostly.

Pillows are other bedroom necessities made of cloth and are stuffed with soft components like cotton or foam. Their main purpose is to support the head while one is sleeping. Pillows may also differ in categories for instance the throw pillows are not used in the bedroom but they are decorative pillows mainly used on couches. They are smaller than the bedroom pillows and come in different colors, designs and shapes.

We should therefore realize how much our bed is a great asset. In this case we should make the best decoration that will inhibit comfort in us about the bedroom. We can achieve this by blending different colors on different components to obtain that attractive look.

Video for www.chicagonorthshorehome.com. A brief overview of the North Shore, showing Evanston, Wilmette, Kenilworth and Winnetka. The blog covers real estate, design trends and community news for Chicago and the North Shore. The blog is written by Jason Hartong, a Rubloff Real Estate Agent.