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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.

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Uncategorized

Minimalist Houses and Gardens

Since a few years ago and minimalist house minimalist garden into the housing trend that became the favorite choice of consumers who became a symbol of a new house lives a cosmopolitan society, which is a reflection of the way of life – think – and the urban working very practical, lightweight, efficient, and management simplicity .

home and garden is a social and cultural values of nature and place of residence life. Where the house is a dwelling place – rest – socializing, family – and worship. While the park is a reflection of natural energy, and the source of life. When home and garden is designed as a harmonious whole life will provide energy to the occupants.

The concept of a minimalist home and garden aims to increase the value of an entire room to the exterior and interior to reduce the excess of everything in the room. The concept of lifestyle minimalism suggests a practical, dynamic, quick, effective, and efficient, which is applied in all aspects of life including house building architecture, interior space and exterior gardens.

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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.