Categories
Concept Information

Facing Old Age With A Reverse Mortage

Many needs that we will face during our lives. Often we are too late to recognize the various needs that come to our old age, so many of us are confused get the money to pay off debts or to meet the needs of our elderly live at a time. It now appears that a reverse mortage is well managed by competent people, so we can get funds by pledging the house in which we live. Therefore the house is a pretty valuable asset for both current and future life. Guarantee the life of our elderly today is guaranteed by the house where we live.

Reverse Mortgages has just started becoming available about the time she entered the industry.  Most loan officers had some vague idea about them, with some of the main impressions being that they were a bit harder to process and special training was required, the borrower had to go through counseling, and that there must be some “trick to them because they just seemed like a pretty neat product.  All in all, there was no real need to bother with them because the other forward products were going great.  However today, the forward mortgage pool is much more shallow, while the elderly population continues to grow, and many of them have substantial equity in their homes.

However I do feel that reverse mortgages are often overlooked as viable financial tools.  I feel that people often look at the initial cost of executing one, and turn away without exploring how it plays in the total package.   Think about it: What if you took out $200,000 with a reverse mortgage; put it into an investment; left your home; cashed out on your investment now worth $275,000.  You could pay off your $200,000 lien and give your heirs $75,000.  So while a Reverse Mortgage is not always a good idea, I would say its always a good idea to explore one with a mortgage professional and a trusted financial planner.

Categories
Exterior and Garden

Aligning Minimalist Home and Garden

Minimalist gardenThis year is a year for ‘home’ and gardens ‘minimalist’ is compact, stylish, and practically became a favorite choice of the consumer’s house, which is apt to be read by the property developer. Various minimalisthome products offered and sold as a new symbol of cosmopolitansociety, which is a reflection of the way of living, thinking, and working urban society the very practical, lightweight, efficient, andmanagement simplicity.

The house and garden is a reinterpretation of the social culture, nature and place of residence life. Home is where we rest shelter, socializing, family, and worship. Garden is a reflection of natural energy, and energy is the source of life. So, if the house and garden was designed as a harmonious whole will give life energy to the occupants.

Minimalist concept of home and garden dedicated to increasing the value of an entire room (exterior and interior) by reducing the excess of everything in the room. Minimalist lifestyle philosophy represents a practical, dynamic, concise, effective, and efficient, which is applied in all aspects of life including house building architecture, interior space and exterior gardens. Collaboration minimalist house and garden became the medium of communication between architecture and landscape with a form of contrast, hard-soft, rigid-soft, dead-alive, geometric, dynamic, and between man-made (cultural) and nature.

Minimalist eliminate saturation with the use of decorative ornaments, knick-knacks accessories. Character and quality of spaces created is determined by the existence of space itself, not by the furniture and knick-knacks accessories in it. Space becomes felt relieved (empty, immortality, meditative atmosphere) according to the primary needs of residents, to optimize the circulation of healthy fresh air, and lighting is abundant sunshine (rich colors).

Natural lighting from windows, doors, transparent walls (stained glass, glassblock), or skylights, shade trees, plants and composition of pavement, the right will bring the shadow objects from sunlight reflected off the walls as a natural aesthetic separate elements. While the game is very artistic lighting the lamp, both spotlights, light plant, up to the chandelier with geometric shapes, is able to liven up the evening.

It should be understood, the concept of Western and Eastern minimalism is somewhat different. Western minimalist concept of rational functional tend to put more emphasis on the function of space and material honesty of expression. While the concept of minimalism is very Eastern-influenced philosophy of Zen Buddhism that emphasizes simplicity, harmony, efficient, and effective, and symbolizes the emptiness and silence (spiritual values​​) for each space created clear, plain, and clear, so the space can be lived greatness of the Creator. Being a minimalist nature.

Geometric patterns, proportionate, effective, efficient, neutral colors, and natural (the impression of relief and field), pure colors (primary), the representation of nature (plants, contour shape, the element of water), raw material without excessive finishing (the impression of quiet, gentle , pure, holy, innocent), texture, and contrast. Quality home and garden design, space, and the completion of the structure must be getting better.

Form of a straightforward design, plain, simple, uncomplicated, compact, space-effective and efficient. Blocking mass, materials, lighting, repetition, circulation compact, multifunctional space and sequential optimization. Value minimalist beauty of the house and garden ornaments and objects do not rely on artificial, but more meaningful to an honesty of form, function, and dedication that created spaces.

Home and garden minimalist arrangement requires a harmonious overall look, a combination of hard materials (concrete, stone, pebbles, gravel, sand), the physical structure of buildings and exotic plants, exotic colors, as well as supporting elements (lights, pond, benches, statues , furniture). Minimalism requires the alignment of materials, shapes, colors, and textures with the impression conveyed to the warm, intimate, romantic, natural, or futuristic. Monochromatic color game with themes such as grading the two primary colors create the spatial unity between house and garden.

Use of building materials (house and garden) minimalism is not necessarily expensive. Use simple materials (a strong element of simplicity) rather than a luxury with expensive materials, and natural materials (the elements of harmony with nature). Exposure to the dominance of material (soft and hard) will produce certain effects that different. Design and calculation of the detailed structure can save the use of materials with the results of building a house and garden optimum artistic look.

Arrangement of furniture requires regularity, where all objects are located at regular positions respectively. The room filled with furniture that is highly efficient and functional course. Furniture chosen only really needed, not a decorative element, if possible multifunctional. Room was clean and seemed relieved. Furniture interior and exterior with geometric shapes aims to maximize use of space, there is no gap or space left to die.

Parks play an important role include the beauty and harmony of nature into the building and unite with the surrounding natural environment. Park as a dynamic live objects instead give spirit to the minimalist home that often seem cold and stiff.

The fence is designed to strengthen the impression of a minimalist home of textured concrete (horizontal / vertical), or betel leaf walls (pieces of stone be nested), which was becoming a trend, until the hedges soften the stiffness of the building.

The presence of the water element in the form of geometric pool and a tranquil water, waterfall, or water spray (fog effect) brings stillness and coolness of the space and audience space.

Minimalist house and garden, they must collaborate to form the order of outer space, buildings, and space in a balanced (yin), interwoven with each other in harmony, and not dominate the other. The division of space is very efficient, functional, and clear hierarchy, and reduce (reduce) the various needs of the space that is not important.

Occupants and visitors can easily recognize the functions of space. Space seemed to flow from the front yard, front porch, crawl spaces each, up to the back porch. Dining room, living room and kitchen which are interconnected to have the regularity, continuity and harmony between space design.

Aligning the house and garden of minimalist means to bring a home environment calm and soothing.

 

Categories
Interior Design

Beautiful Wallpaper

Wallpaper wallAn effective way to renew the house look lived in an instant, affordable, can change the game of house paint colors in this beautiful wall with wallpaper or wall decoration.

Installation of the right wallpaper can create characters as well as foster a new spirit in one room. Of course there are some things to consider when choosing to install the wallpaper beautiful wall decoration, such as:

1. Material Type

Wallpaper material there is from the paper and there is also from vinyl. Knowledge of the types of wallpaper materials to be purchased will certainly make it easier in terms of treatment for both types of wallpaper materials, the course requires a different way of treatment.

2. Styling And Color

To mix and match the wallpaper in a room of the house, of course, need to also pay attention to style and color harmony wallpaper the wall color and other elements in the room such as furniture and also the color of the floor so that it can create the desired theme of the room.

3. Installation Method

Installation of wallpaper can be done by way of horizontal, vertical or any combination of horizontal and vertical. Installation of striped wallpaper horizontally could certainly give the impression of space becomes wider. In contrast, mounting vertically striped wallpaper can give the impression of the room look taller. To install the wallpaper combination of horizontal and vertical as well as special techniques required to plan accurately, so it does not deviate from the desired theme of the room.

Increasing number of choices of materials, style and color wallpapers available in the market, of course, can give itself its own preoccupations in arranging the interior of houses.

Categories
Interior Design

Spatial Tiny Houses

Small-Home-InteriorIf your house is small, do not be discouraged thereby eliminating the urge to buy furniture because they thought the house would narrow. There are several ways to work around.

‘Small house’ forces you to maximize the function of furniture in the house. That is, you are advised to choose furniture that can be used for various purposes. To overcome this obstacle, the partition is one answer. Partitioning can be a cabinet or shelf as a room divider. In this case the partition has many functions other than as a barrier to the views of the ‘living room’ to the ‘dining room’.

Partitions can be made ​​of plywood which were combined with glass coatings import motifs combine dark and light brown. It’s very in tune with yellow house paint is ivory. On the other hand, the partition will serve as a cabinet, tv rack, and a long shelf. Under Television, part of the partition can be used as a storage closet compact disc collection. In order for the device that you want to keep visible from the outside, use frosted glass in the door. Then be the living room is minimalist but still stylish. Do not forget to place the chair and one back of three separate modern coffee table with glass transparent model of the elbow.

To conjure up so impressed spacious bedrooms, you can put clothes storage cabinets are made of fused multitripleks in the corner with a vanity that direct contact with the bed. Thus these devices can connect in a single unit.

The master bedroom can be transformed into more freely with a bed that is not too large and given a touch of bright color so impressed at large. In order to more functions, bed or cot can be given a drawer for storing clothes, or your favorite linen.

Get around the tiny kitchen can be done by presenting a kitchen set that deliberately matching with the room so that the present alignment.

Categories
Interior Design

Room Interior Design

Room interior design is an integral part when it comes to creating a good looking space. There are many elements you need to consider while creating a space. Factors like the available space, light and budget need to be considered while planning room interior design ideas. You need to use appropriate lines, colors, shapes, textures, forms, etc. to create a space which looks like one unity and is eye pleasing. Given below, are tips and tricks on room interior designing, that will help you in the job. You can plan the room interior design online or on paper. There are many sites which will allow you to design a room for as less as 50 bucks. However, with some basic sketching you can create your own plans and don’t have to design a room online.

Room Interior Design Tips & Tricks

Basic Layout
Before starting with any interior design ideas, first of all take a measuring tape and go through different rooms in your house, and measure their dimensions. Or ask your contractor to get the dimensions of various rooms in the house. Then in a sketchpad, draw accurate rooms in a bird-eye view with smaller proportions. This will give you an idea of how much space is available in each room. So, draw rough sketches of each room, and draw the permanent elements in the room in a top angle view. Keep photocopies or scans of these drawings if you want it as a backup.

Theme & Focal Point
Now, consider the whole house as one whole unit, take a walk in different rooms and visualize what all can be done to design the rooms. You can contemplate on a single theme to decorate the house. This is important as a theme gives a sense of harmony to the house, and makes it look like one whole. Then start drawing on the room sketches, the main elements which are necessary in the room. At this point of time keep in mind the focal point in the room. For example, when it comes to living room interior design ideas you can consider a fireplace or a flat TV as a focal point, and arrange furniture and other elements around it.

Symmetry or Asymmetry
You can create a symmetry by arranging things placed on opposite in identical way, or create an asymmetry by using curves or placing objects of contrasting colors or different sizes. However, make sure everything looks well-balanced. Take care that the furniture elements have edges which can be curved or sharp, that match other elements in the room interior design. For kids bedroom interior design ideas go with softer designs, and soft but many colors.

Transition & Lighting
Use smooth color transition when going from one room to other. You can use curved wall design along the corridors to achieve this. When it comes to bedroom interior design ideas, use softer colors and the lighting should be adjustable. You can keep a nice lamp near the bed for soft light, and a ceiling loft light for major illumination, and smaller light at dressing table for more illumination.

Texture & Space
Play with different kind of texture if you like, to create unusual looking surface and interior design styles. You can paint wall in textured paint ideas, or use carpet with texture. Finally, comes adding accents. These help to give a final touch to the room decoration. Try to keep it simple to match a simple and small room, for larger room you can consider placing flattering large accents. 

Make sure you have enough cabinets in your house, to keep your room look neat and tidy and let the room interior design be shown. This is especially important when you are considering room interior design office furniture ideas. Having enough cabinets will help to maintain the clutter, which will go on accumulating with time.

Categories
Concept Information Home Furnishings

Light Steel Frame Roof

Light Steel Frame Roof

The roof has a function as a cover or protector of the home from rain and heat of the sun and is one component that can add to the overall aesthetics of homes.

The roof consists of the roof frame and roof cover. Type of roof truss used the wood roof frame and lightweight steel roof truss (truss). As for the commonly used tin roofing, asbestos, shingles and tile.

Lightweight steel roof truss into the functional equivalent option in some ways even better than wood materials as more expensive anddifficult to find good quality wood materials.

In terms of durability, lightweight steel roof truss is superior when compared with wood materials. Material mild steel safe to termites, corrosion resistant and resistant to weather conditions.

Lightweight steel roof truss in addition to more economical because they were cheaper than wood material also has a lighter weight. Character and mild steel weights create more robust structure of the house and the roof is more stable against bending, torsion and expansion so that it meets one of the components that support the earthquake-resistant housing.

Zincalume, galvanized and Galvalume support the application of lightweight steel roof truss is more practical because through the fabrication process is then performed on-site assembly process as well as the more precision, thereby reducing the risk of roof leaks that could cause damage to the ceiling of the residence.

Lightweight steel roof truss or roof truss wood selected and used as roof material ultimately is determined based on the needs and desires of the house itself.

Categories
Exterior and Garden

The Dry Garden Practical

Dry GardenThe concept of a dry garden is a practical alternative to garden design that provides ease of maintenance. Dry garden is as famous as the trend of minimalist-style dwelling house, one of which tropical minimalist style.

The first step to create a dry garden is determining the concept and character of the park to be made. This needs to be done so that the presence of a dry garden can further reinforce the desired house style as a whole.

Plants grown in dry gardens selected types of plants that do not require extra care, such as Pandan Island, Casuarina or palm – Paleman. As for small plants can be selected types sanseviera and Cactus. Plants – the plants are plants that do not require much water making it suitable for homeowners who do not have much time to perform maintenance garden.

Other additional components to the park can use a dry powder coral, coral brushes, stone and sand mixed with other elements desired such as garden lights, pond, trails, gazebo and even bridges.

Things to note on a dry garden is the availability of sunlight, whether it be the location of a dry garden in the shade or in a sunbathe. It is closely related to the types of plants suitable for the location of the park.

Basically a dry garden can be made at the residence anywhere, could be on the front, rear, side or below the void that is at the center of residential houses as well as more flexible against the available land area.

Categories
Concept Information

Houses Eco Friendly / Environmentally Friendly

small house healthyAs the scarcity of gas and oil in the world, prompting many people to innovate to create quality products that are environmentally friendly, economical and efficient. Also the effects of global warming that threatens the world more real, we are required to care for the environment, taking advantage of those things are easily available around us to be of huge benefit.

Switch to environmentally friendly things like this, can produce energy and technology systems that berfariasi. In addition to providing a major contribution to the environment, by utilizing environmentally friendly technologies will suppress / reduce your bill every month bills, and provide more value to the property / your house.

Alternative energy that can be selected, we divide into 3 groups:

Renewable Energy

The energy can be obtained from nature such as: Solar Energy, Wind Energy. Products that can be used such as: Solar Panels, Heat Pumps, Wind Turbins.

Efficient Heating

Natural heat energy can be produced from natural ingredients or products are top quality products such as underfloor Heating, Efficient Boilers, Twin Coil Cilinders.

Water Conservation

Maximum water use and efficient. Product quality products such as rainwater Harvester, Dual Flush WC’s, Ecoplay Water Recycling.

In the application of eco friendly home, many examples of productsin the market that can be used such as:

  • Solar Panels for water heating, electric lights / electronic devices, etc..
  • The roof of a house of glass for natural lighting.
  • Windows of wood with coated gauze, at night it will feel cool air from outside and the mosquitoes can not enter.
  • Landfills separate into 2, for plastic and organic waste.
  • Houses without paint, utilizing the natural color of brick.
  • Floors of wood, from natural stone, stone.

Lots of ideas and creativity to build eco friendly houses. Dumah you will be more comfortable when these ideas to build a house combined with the concept of beautiful homes and home technology. Congratulations to build your family dream home.

Categories
Home Furnishings

Wood Frame with Aluminum Frame

frameWith the development time, we are more pleased with something practical and doable. Just as in building a house, something that is more easily applied will tend to be selected by the consumer. Previously, we only know the sills derived from wood base materials. For now with the development era wood frame can be replaced with aluminum frame.

The basic ingredients of wood that are increasingly rare and increasingly expensive to be a trend of consumers currently choose aluminum as an alternative to replacement. In terms of cheaper prices for aluminum. In addition to treatment also requires no special treatment. Aluminum is more resistant to weather and of course, resistant to termite problems.

For the wood itself is hard to find good quality. If no price is very high. The base price does not include processing and finishing, when compared with aluminum, then to fall still cheaper aluminum.

But all sides there must be a weakness. For wood frames are particularly vulnerable to the weather. If we choose wood that is less good then the erratic weather changes can make the wood shrinks and expands. In the event of expansion at one corner of the wood (on windows / doors), then it may result difficult to open (blocked). For aluminum also has disadvantages. For example, if when we do the installation by using the Fischer system. This technique relies on the power screw fischer diborkan and planted along the jamb against the wall around the door jamb that has been plastered neatly and very accurately the size and angle elbow. For this installation technique, if something goes wrong in the installation then it can be fatal.

For wooden frames can be applied to any concept of home. But for the aluminum frame only to certain concepts, eg, minimalist or classic European. To use all the back to the consumer.