March 2022 – designed-visions

How to Paint Fabric With Regular Interior Flat Wall Paint

Posted on March 30, 2022

Latex interior paint adheres as well to several fabrics as it does to walls, as you may have noticed on your clothing after you completed a painting project. Fabric medium adds versatility to the paint for jobs that require a little give, including a cushion cover. If the project doesn’t demand flexible fabric, no paint additives are needed.

The Prep Work

Before attempting a complete fabric makeover with paint, test a scrap first to verify it turns out as expected once it dissolves. Cut a very small piece of fabric in the project piece if at all possible, such as excess material beyond the basics on the base of a armchair. If unable to obtain a piece of the same fabric, use a small piece of the comparable stuff. Vacuum the fabric with an upholstery brush to remove dust and pet hair to avoid having them stuck in the paint. Place the fabric atop cardboard or craft paper to stop the paint seeping through the fabric onto your work room as you paint.

Flat Fabrics

For fabrics which you intend to stay relatively flat following painting, such as on the sides of a fabric storage bin or as a piece of elongated material over a frame as wall art, you do not require a fabric medium. Implement painter’s tape to mark off your selected layouts — chevrons, stripes or other interesting shapes, and then brush or roll a thin layer above the fabric. If you enjoy the appearance as-is, no paint is necessary. Add another layer or 2 if you would rather an opaque, solid seeming paint finish following the first layer dissolves entirely.

Flexibility for Painted Fabrics

Fabric medium is a must if painting upholstered furniture, throw pillows or clothes, otherwise the painted area may feel overly stiff or the paint may crack over time. Mix equal parts fabric medium and latex paint for your key fabric-painting alternative. For the first coat, mix in half as much water, as an instance, stir 1/2 cup water to 1 cup of the paint-fabric medium mixture. The water thins the mixture and makes the fabric absorb the paint better. After the first coat dries, use the unthinned paint-and-fabric-medium alternative and continue brushing on additional thin layers till the paint appears opaque. Permit the paint to cure for several days prior to using the painted fabric.

Paint Choice Importance

Aside from the color of the paint selected for your fabric undertaking, the paint’s sheen has a massive influence on the way the painted piece appears once the paint dries. Paint sheen runs from flat or matte on through to high-gloss. That is the reason why choosing a horizontal interior paint may work the best, as selecting a paint having a medium to high amount of gloss or wax may create the painted material look like vinyl or a covered leather. Select a horizontal paint, unless you want the painted material to shine.

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The way to Make More Room in My 500-Feet Living Room, Kitchen and Dining Room Combo

Posted on March 27, 2022

A combined kitchen, dining and living room area in about 500 square foot, presents an intriguing challenge to give the space an expansive feeling without being busy. While physical dividers in the kind of decorative panels can separate the space, they also produce a feeling of disruption and might make the room appear smaller. But if you reduce litter and open the floor area, choosing vertical storage or shelving, these procedures offer easy and affordable ways to expand the space. Beyond these procedures, a few decorating hints can also allow you to create a perception of increased distance. Even a minor shift in perspective, like installing a wall-mounted television to draw attention upwards, makes multi purpose rooms appear more open and friendly.

Color Choices

Light colors and their varying shades create a sense of space, while dark colors make rooms appear smaller. Should you crave walls with nature, remember that lively patterned wallpaper can pull the viewer inward, creating a closed feeling, but sparsely patterned layouts in pastel colors might help build a feeling of spaciousness. Light ceiling and wall colors work best to start the space up, as simplifying your color scheme can unify the space, which makes it seem larger. Sharp contrasts — little black tables in a neutral, dove gray space — can also accentuate roominess. Especially effective when put far apart, small touches of bright or contrasting colors in furnishings accentuate the difference between them.

Bright Light

Ample light makes a room appear larger. Take advantage of natural daylight by having window therapies that provide privacy when required, but open wide to chase off shadows. If shadowy corners are an issue, install monitor lights or put lamps to enhance ambient lighting. You can also reposition different furnishings to reduce shadows. A long horizontal mirror on the wall on one end of this room reflects artificial and natural light, as well as creates the illusion of an expanded space.

Room Furnishings

Rug positioning or floor coverings can also define functional areas inside the room. Working within the confines of existing floors, group furniture so there’s a central point of focus for each region. Select furniture with a common function between rooms, like a sofa table behind a sofa that can double as a dining room buffet when facing the dining room area. Double-duty furniture that’s functional, but offers hidden storage reduces the quantity of furniture in the space. Hardwood flooring may have a large impact on room size: Lengthwise stripes or patterns elongate an area, while busy tile patterns can make the flooring area appear smaller. Vary the floors surfaces for textural interest, but utilize similar shades of light or neutral colors if you want the room to appear larger.

Decrease Clutter

Organize belongings using shelves or vertical cabinet storage to decrease the total amount of floor space occupied. Decluttering and storing objects from sight makes it possible to develop smooth shapes and straight design lines — another fool-the-eye trick to increase space. Shallow storage tubs hidden beneath a sofa can keep games, toys and other little litter items from sight, but close at hand. Double-sided storage cupboards, like those beneath a kitchen peninsula, also function as a room divider or a pass-through between kitchen and dining areas, leaving an open and spacious eye-level view between functional areas of the room. Cut down on accessories and decor to open up the room. Massive paintings include bold color touches without cluttering up the space.

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Can a Landlord Evict You Based on Poor Credit?

Posted on March 21, 2022

If you are renting a property, the time will come when you need to move somewhere else. Most of the time, you may leave the property voluntarily the end of the agreed-upon lease period. Someday, however, you might be evicted by the property owner. A landlord can evict for practically any reason with enough notice, but it’s not likely to be the discovery of a bad credit history.

Common Reasons for Eviction

The possible causes of an eviction can be segregated into two categories: when the tenant is to blame and if he’s not. If the tenant is not in breach of the lease, a landlord can terminate the lease because she desires his apartment back. It might be that she wishes to use it for some other purpose or just chooses to not rent it for personal reasons. If the tenant committed any fault on his end, the landlord may then evict for lease violations. Common causes of flooding include late rent payment, apartment damage and falsifying information in your rental application.

Pre-Rental Considerations

Before rentinga landlord looks at both your credit history and a landlord leasing database that records your rental background in previous apartments. Entries to this tenancy score report continue for seven years, then perish from the leasing record. A landlord takes both into consideration during the application process. This data also helps her choose a deposit amount and whether a co-signer is required. A low-quality ranking from one of these landlord screening services might lead to denial of your initial application but can not result in eviction after the truth.

Bad Credit Rating and Eviction

Generally, eviction does not occur due to a bad credit score provided that the landlord rents the property utilizing a legally binding rental agreement and application. A bad credit score can be a problem throughout the leasing process, but not after the fact. The landlord makes the decision to rent understanding your credit situation and utilizes that information to create a decision. If he does take the application, he can control the state maximum security deposit as insurance from late payment. Since this information is prior knowledge he’s obtained on his own, it’s then difficult to claim that the tenant lent the information and penalizing eviction.

Time Frame

If the landlord chooses to split the lease rather, most states require advance notice of 30 days for a month-to-month rental, or 60 days for a year rental. For a week-to-week rental, the landlord should provide one week’s advance notice. Lease termination by the landlord is lawful for any reason and comes with no negative legal or credit ramifications of flooding. If the tenant has not vacated the property after receipt of the lease-termination notice, the landlord may evict through lawful means.

Prevention/Solution

To avoid any openings due to poor credit, it’s best to be up front with a landlord before she even checks your report. Give to put down an extra deposit, or provide positive references from friends and supervisors to maximize your credibility and confidence. If at all possible, take some steps to clean up your credit before attaining the application stage. Careful personal finance direction goes a very long way in preventing a great deal of hassle, particularly when you’re outside to rent a property.

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Protected Tenants' Rights

Posted on March 17, 2022

Ideally, a landlord and tenant will have a mutually beneficial relationship, where the landlord receives timely lease and the tenant obtains the exclusive right to possess a rental unit. The state of California has clearly defined rules and regulations regarding the rights of both tenants and landlords along with the protections afforded to each party, according to the California Department of Consumer Affairs (DCA). Know your rights before deciding to lease from a landlord as a tenant.

Unlawful Discrimination

Tenants have the right to be considered a candidate for tenancy irrespective of group or personal characteristics. Safe group characteristics include race, religion, sex, familial status, sexual orientation, national origin, source of income or disability. Personal characteristics not related to the duties of tenancy, such as physical appearance may not disqualify a tenant. Married couples and domestic partners also have to be treated equally in terms of financial qualifications to lease a dwelling, based on DCA.

Habitability

Tenants have the right to a rental dwelling that’s habitable, or fit to live in, based on DCA. This usually means it complies with state and local building codes and will be appropriate for humans to occupy. Examples of conditions that may cause a device to be considered uninhabitable contain lead hazards, lack of running water or heat or insufficient trash receptacles. Landlords are bound to repair issues.

Security Deposits

Landlords are permitted to require a tenant to provide a monetary security deposit to be utilized as compensation for any damages to the house. According to DCA, landlords are permitted to utilize security deposits for outstanding rent, cleaning prices or repairs. A tenant has the right to receive the safety deposit within an itemized statement detailing also why and exactly what prices are being deducted, or 21 days of moving out. If the landlord does not refund the deposit or speak with the tenant within 21 days, the tenant has the right to receive a complete refund.

Rent Increases

Lease in effect between a landlord and tenant’s kind decides the legal rights of telling for any possible lease increases. Any rental with a duration of over 30 days provides the tenant protection from a rent increase until the conclusion of the rental, unless otherwise defined. Periodic lease agreements, like those for a month or week at a time, demand notice be provided to the tenant 30 days prior to the date the lease is due to be increased.

Lease Terminations

For month-to-month tenants, 30 days is the minimum requirement for landlords to supply indicating a petition to terminate the tenancy. Tenants that have dwelt in a unit for at least a year must receive 60 days’ notice prior to a lease termination. Landlords have the right to give renters three days’ notice to vacate if rent is outstanding, conditions of the rental are broken or unlawful activities are committed by tenants.

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Subprime Mortgage Outcomes

Posted on March 13, 2022

Subprime mortgage lending was a significant element in the U.S. housing market for about 10 decades. Subprime loans are made to borrowers whose credit score is insufficient to qualify for conventional loans. To accommodate these borrowers, and also to realize the profits that come from packing and consolidating these loans, lenders eased the guidelines that need minimal down payments and verifiable assets and income. Although interest rates charged on subprime loans were higher than that for conventional mortgages, these loans allowed many to purchase houses for which they normally couldn’t have qualified.

High Price

Subprime loans were costly as a result of high interest rates charged and the charges needed to close such loans. Because of this, many borrowers signed mortgage notes that demanded them to cover a proportion of the earnings significantly higher than the standard principle percentage, which ranges from 30 to 40 percent of monthly earnings.

Defaults and Foreclosures

Many borrowers found themselves unable to cover the monthly mortgage amount, and defaulted on their subprime loans. Defaults brought about foreclosures in which creditors cancelled the loans and seized houses. Borrowers could avoid the loss of the houses only by entering new payment arrangements with the lender, or by declaring Chapter 7 bankruptcy, which delayed the foreclosure process.

Housing Glut

Foreclosures had the impact of adding a great number of properties into the source of houses already in the marketplace. From the law of supply and demand, the glut of foreclosed houses drove down the worth of other real estate, including houses that were already paid for, or where homeowners were making timely mortgage payments.

Decline of Equity

As land values dropped, the amount of equity homeowners held inside their properties also declined. (Equity is the market value of a home over and over the outstanding mortgage amount.) When creditors started trimming requirements for borrowers, owners that wanted to sell discovered it more difficult to locate qualified buyers to their homes.

Fiscal Effects

With the glut in houses for sale, either by creditors that had foreclosed or by land owners, the demand for new housing declined. The construction business and ancillary businesses went into a slump; workers were laid off, unemployment climbed, and consumer demand for products and services also dropped, all resulting in economic stagnation.

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California Reverse Mortgage Rules

Posted on March 8, 2022

A reverse mortgage provides homeowners 62 years or older a way to tap the value of the home without the burden of monthly premiums. A homeowner taking out a reverse mortgage borrows against her home equity–the worth of the house less any mortgages–and doesn’t need to pay the loan back until she moves from the home.

Reverse Mortgage Requirements

California’s Reverse Mortgage Elder Protection Act of 2009 says a reverse mortgage may have a fixed or adjustable interest rate. The lender may charge fees and costs when the loan is taken out, occasionally during the life of the loan, or if it evolves. If the borrower receives his money in periodic payments, the lender can not lessen the obligations based on fluctuations in the interest rate; a lender that fails to make the guaranteed payments is accountable for double the amount of the default, plus interest. Lenders can not punish borrowers for paying off the loan early.

Counseling

Under the California act, lenders should offer potential borrowers using a list of 10 federally authorized nonprofit counseling agencies to consult about the risks and costs of a reverse mortgage; the counselors must not receive direct or indirect compensation from the lender or anyone else involved in originating or servicing the mortgage. The lender must offer the applicant with a checklist of issues to talk about –for example, that if a medical or family emergency forces the applicant to leave his house earlier than expected, the loan will come due immediately. Lenders can not accept a completed application unless the debtor certifies he has received counseling.

Entanglement

The act says that the lender must not make the reverse mortgage contingent on the borrower purchasing some other service, such as an annuity. If the lender is connected with companies that provide insurance or annuities, the businesses should have legal hurdles set up to ensure the lender doesn’t have any incentive to push or recommend other financial solutions to the debtor. Recommending flood insurance, title insurance or hazard insurance would be an exception, because those are normal elements of a reverse-mortgage transaction.

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What to Search for in Homeowners Insurance

Posted on March 4, 2022

People are able to buy a home without homeowners insurance. Homeowners policies cover damage to homes and their contents from a variety of causes and protect owners if they are sued over accidents within their own property. Even someone willing to proceed with no coverage will still need a policy if they’ve a mortgageLenders insist on at least a minimal degree of insurance to defend the home that serves as collateral for their loan.

Function

The main thing to check is that the coverage you are considering will do what you want it to. Experts recommend having $300,000 in liability coverage, Investopedia states, and also a replacement-value coverage –which pays the price of replacements or repairs up into the value of the coverage –instead of money value, which covers the original cost, less depreciation. Some policies also cover living expenses should you need to rent a room elsewhere while your home is repaired.

Limitations

The conventional HO-3 insurance policy generally covers your home’s contents for up to 50 to 70 percent of the coverage value, the Insurance Information Institute states: A $100,000 harm policy will cover $50,000 to $70,000 in contents. Some sorts of items like jewelry, art, collectibles, fur and home office equipment won’t be entirely covered, however, if you don’t specifically ask for and pay for additional insurance.

History

If you take out a policy, then you should have confidence your insurer will pay when you’ve got a legitimate claim. Various businesses have different track records in regards to settling claims promptly: Check with your state department of insurance to see which ones have a record of complaint against them. “Consumer Reports” magazine also publishes ratings for homeowners insurance businesses and their functionality.

Size

The fewer claims you make, the happier your company will be with you, the Nolo legal site states. Taking out the biggest allowance you can afford will reduce the amount of small claims you make, and it also needs to result in lower premiums.

Possible

Ask your insurance company about discounts for basic home-safety precautions, CNN urges: Smoke alarms, security alerts and deadbolts are among the steps that you may take that lots of insurance companies will discount your premium for. If you buy life and auto insurance policies in precisely the exact same company, you could be able to find a discount for this, also; it also provides the insurance company an incentive to not cancel your coverage if you make a claim.

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