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Wednesday, May 23, 2012

"house and home"for you

My House and Home Furniture DIY Project: Clipboard Art
Wednesday, 23 May 2012

Here is our second DIY My House and Home Furniture project: I just came across this amazing and super affordable clipboard DIY project that you guys will absolutely love to add to your collection of home decor. All you need are several clipboards from an office supplies store, hangers from an arts & crafts store, and printed photos 8.5′ x11′ of your favorite moments with your loved ones or just colorful beautiful photos of anything, or just paintings that your kids made for you. This idea is so versatile, as you can change it by just printing new photos or changing new paintings from your kids.

You just need to add the hanger on the back of each clipboard and you can use the 3M double-sided adhesive hooks that can be easily removed without making absolutely any damage to your walls. You can purchase those 3M hooks at your nearest Target store. Then place the clipboards anywhere on a wall and create your own pattern. I feel that these project looks great with several clipboards, like four to six would be perfect. Here are some pictures to give you pattern ideas:




DIY My House and Home Furniture Project – Frame Collage

Making your own frame collage was never easier and cheaper – this is our first DIY My House and Home Furniture Project! So you have seen these all over the place and you will be surprised at how affordable and fast this project is. It will make your home look modern, cozy, and add your own touch to any room in your house. I really love how this collage looks like in a living room because it really makes an entrance statement.




Here is an easy guide on how to create your own frame collage:

Before starting, make sure you have the following:

  1. Picture frames.Stop by your nearest thrift shop and buy several frames, no matter how old and raggedy they look. I would say try to get 10-20 frames (can be picture, art, mirrors), depending on how large your wall is. Make sure that the glass is in good condition (i.e., no chipping and scratches) and if the frame is missing a back hanging piece, don’t worry, an arts and crafts store sells those little pieces for really cheap and they are really easy to install. NOTE: You can even opt for all circular frames without adding photos but this might take a lot more time scavenging for these frames without spending much.
  2. 1-2 cans of any bold color spray paint that complements your house and home furniture. For starters, you can use Painter’s Touch Ultra Cover Gloss in black, as these will go well in pretty much any room.
  3. Small nails to hang the frames. If you don’t want to make holes in your wall, you can use the 3M hooks available at Target that use easy to peel off double sided adhesive tape. I use these all the time and absolutely love them!
  4. Hammer (if you will use nails)
  5. Hooks to mount the frames, just in case if they are missing the hanging hooks.

After you have obtained the above, here are the easy steps to creating your frame collage:

  1. Start in an open space, where you can lay out each frame and play around with how you want them to be placed on any wall in your home. You can place horizontally, vertically, round mixed with square, or whatever way you want.
  2. Now that you have your layout planned, begin taking apart each frame and throw out old pictures inside. This is how you start prepping for spray painting so make sure you pull out the glass piece as well. Make sure you place the glass pieces back in the lay out you desire so that you don’t lose track of their placement and take out all the frames so that we have them ready for spray painting.
  3. Go outside in an open space that is well ventilated and have fun spray painting all of your frames! Make sure you wear gloves and are wearing clothes you don’t mind getting permanently stained. Make sure you let these frames dry well and you can take a break by continuing on step #4.
  4. Inspect the back of each frame and if the hook is damaged or missing, replace it with your extra ones that you have handy.
  5. Remove any flaps from the back of the frames to avoid adding bulkiness in the back.
  6. Clean each glass piece well with a glass cleaner (ammonia based to avoid streaks) and you can use alcohol, nail polish remover, or acetone to remove any sticky left over from stickers.
  7. Now that you have your layout and have decided which frames will stay, print your most favorite photos in sizes that match your frames and preferably choose a theme, like wedding day, travel, family, etc, etc… You can print them in black and white, sepia, or color. If you don’t want to add photos, you can keep the frames hollow! Just use the frames as a decoration for any room in your home.
  8. This is the most tedious part of all, installing the hooks/nailing the wall to properly place each frame. Make sure you allow for the space you intended. You might need somebody to help you with this process, but once you have all the nails/hooks in, you are done with the hardest part!
  9. Now that you have your frames dried, printed pictures ready, glass pieces cleaned, installed and inspected hanging hooks, removed unneeded back flaps, nails or hooks placed into the wall, you are finally ready to hang these babies up!

Now take a picture of it and send it to us to show off your new DIY project :) Great job!

Thursday, May 3, 2012

hia home show today online

hia home show today online

Nine Useful Tips For Home Owners Interested In Concrete Swimming Pools

Many home owners enjoy a swimming pool in their backyard. Those who switch homes and their new property is lacking a pool, may decide to have one installed. They will hire a company specializing in concrete swimming pools construction to complete the job.

Concrete swimming pools in Melbourne are quite popular. That does not mean that you have to hire the first company making you a decent offer. Be careful in your selection process, and follow the next nine tips if you want to prevent disappointments.

Tip #1 - Survey your property so you can figure out exactly where the best place is for your swimming pool. Make sure that the area is well protected from nosy neighbours. Avoid areas with a lot of trees and shade. You want a lot of sun, and very few leaves and twigs in your pool.

Tip #2 - There are many models of concrete pools that will look good in your backyard. Think about the shape that would suit your lifestyle and property best. Will you use it to swim laps, or purely to play in? Will you allow children in your pool? You can sketch your preferred pool shape on a piece of paper, or spray paint it on the ground in the area you have in mind. Select different paint colours for the actual pool and the surrounding deck.

Tip #3 - Request free consultations from several contractors. They should visit your home to inspect your backyard, and discuss your options with you. Only contact specialists in concrete swimming pools construction who:

Are licensed and insured
Can provide current referrals
Gladly show pictures of their completed projects
Have been operating for several years
Are members of both SPASA and H.I.A.

Tip #4 - Discuss your ideas with the various pool construction contractors. Show them your sketches, drawings and designs. Ask them as many questions as possible, and write down the answers so they will be easier to remember. Inquire how long the project will take, if they can give you recommendations, and what type of warranty they offer.

Tip #5 - Review and compare the proposals you received from the companies supplying concrete pools in Melbourne. Not only look at the quoted price, but also the services they provide for that amount. While some companies may be cheaper, they may not deliver the same quality craftsmanship.

Tip #6 - Select the 2 or 3 most appealing proposals. Contact the references of these particular suppliers of concrete swimming pools in Melbourne, and verify that these references are real and these contractors are in fact worth pursuing.

Tip #7 - Make your final selection. Keep in mind that the lowest price may not always offer you the best value.

Tip #8 - Contact the concrete swimming pools firm of your choice and set a construction starting date that is convenient for both you and the pool company.

Tip #9 - You can supervise and inspect the pool installation, but do not bother the workers whenever you see something you do not like or understand. Address any concerns to the project manager or foreman. He can explain to you in detail what the workers are doing and why. He can also keep you informed about the various construction stages, and can tell you when you can expect to take your first dip in your new concrete swimming pool.

At Seaspray Pools we design, build and construct concrete swimming pools in Melbourne. Experience our quality concrete swimming pools construction and contact us for a free quote.


Plans For the Worldwide Celebration of the Silver Jubilee of Achebe's 'Things Fall Apart'

hia home show today online

The depth and enduring literary value of Chinua Achebe's seminal novel Things Fall Apart should challenge younger writers in Africa to live up to the challenge of maintaining and even surpassing the expectations already raised by Achebe. If Achebe's seminal work has remained a book for all times, it was because of the author's originality and creativity as seen in his exploitation of local scenes, characters, cultural traditions, history as well as oral lore to mold a language that captures the feel and verbal texture of Igbo through the medium of English and thus put his own story in the international arena of stories. Younger African novelists to attain this enviable height should sufficiently exert their imagination to produce original works whose appeal will outlive the fancies and idiosyncrasies of the moment as Achebe did.

As a timely response to the colonial biases about the African continent purveyed through the works of some Europeans, the novel provides a counterpoise demolishing foreign assumptions and presumptions about Africa. As a mirror of the conflict of culture that then ensued as a consequence of Europe's discovery, invasion and partition of Africa, the novel explored a thematic concern that was at the heart of African Literature of the 20th century.

But what has marked Achebe's effort out is the universality of his perspective. All over the world, accounts of foreign cultures and attitudes are usually distorted when the story is told from the point of view of an outsider. Under such a situation, it would normally take the penetrating insight of an informed native to present the facts of the matter in a fair and objective way.

Thus, if the Joyce Carys and Joseph Conrads of Europe who took more than a cursory interest in Africa painted a picture of land peopled by primitive African personalities or entertained the reader with an outlandish story of a dark continent replete with horrendous deeds, it took a systematic deconstruction and reconstruction as Achebe undertook in his maiden novel Things Fall Apart to see through the lies and know the truth about Africa.

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Given the fame and popularity that the novel has achieved over the years, it will not be out of place to say that it has even grown well beyond Achebe's imagination and expectation. Across the universities of the world, the book is now a staple in the study of the humanities, with whole libraries of theses and dissertations been written on it as a timeless piece of literature whose appeal and penetration continues to grow and increase with the passage of time.

It is through the profundity of the book as well as the scope and depth of the author's imagination, that the book has remained an all-time classic. The issues it dwelt on 50 years ago have continued to resonate with freshness and greater appeal, remaining as relevant today as they were when the novel was first written. In its 50th year therefore, the literary world is standing tall and proud to associate itself, with a book that anybody with genuine claims not just to liberal education but to literacy ought to read. Consequently, global acclaim and honour are being lavished on a book that one could justly say is in a class of its own.

Several international events in about fifteen countries are planned, some even already executed or ongoing to mark the 50th Anniversary of Achebe's seminal novel, Things Fall Apart this year.

The University of London's School of Advanced Study, Institute of English Studies is hosting a two-day conference entitled "Things Fall Apart, 1958-2008 from October 11-12". The progress of Things Fall Apart the conference organisers state, was an inspiration for writers and readers not only on the African continent but throughout the world. "Fifty years later, this conference seeks to revisit that novel and assess its significance then and now."

Elsewhere in Europe, major conferences are planned for Portugal, France and Sweden. European radio stations, book clubs and literary organizations are also planning events to span the year.

In Asia the Indian Council for Cultural Relations' announced a "seminar to mark the world wide celebrations,of the 50th year of its publication to be organized by Department of English, Osmania University, Hyderabad, during 2008." Other events are planned for Singapore and China in the course of the Year.

In America, several events are planned for Rio De Janeiro, Brazil, New York City, Houston, Texas, Washington D.C., Philadelphia, Pennsylvania, and Annandale, New York, USA.

Bard College, in Annandale, New York, Achebe's current base, is planning a major international conference and a series of other events throughout the year.

The Canadians also have a conference and literary events scheduled for later in the Year.

Princeton University, one of America's oldest and most distinguished citadels of higher learning will be reading Chinua Achebe's Things Fall Apart in the third installment of Princeton Reads, the biannual one-book, and one community event. The Ivy League institution selected Things Fall Apart, Chinua Achebe's portrait of the effects of British colonialism and Christianity in turn of the century Nigeria, "to unite the community through this extraordinary work of literature," said Readers Services Librarian Kristin Pehnke, the coordinator. The event is co-sponsored by Labyrinth Books and the Centre for African American Studies at Princeton University. Dorothea von Moltke of Labyrinth expressed delight that Achebe will honor them with his presence. While encouraging everyone in Princeton to read the book during March, 2008, the library presented a variety of programmes to keep the community listening, watching and discussing, culminating with a visit from the author on March 26. An assortment of programmes from lectures to film screenings to poetry readings are in the works. There will also be several arts programmes, some of which will pay homage to the African oral tradition. Community merchants and organizations are to sponsor book groups, at the library and at off-site locations so that there is ample opportunity for discussion, Pehnke said.

The Association of Nigerian Authors (of which Achebe is founding president) held a two-day series of activities. It has organized an international colloquium with the theme, "Telling the African Story".The major event of the anniversary, an international colloquium was held at the University of Nigeria, Nsukka with two keynote speakers: the Kenyan writer, Prof. Ngugi wa Thiong'o, and the Nigerian scholar, Prof. Ernest Emenyonu. The colloquium involved the invitation of foreign writers and scholars such as Nurrudin Farah of Somalia, Ayi Kwei Armah of Ghana, Lewis Nkosi of South Africa, Professor Charles Larson in the USA, who were to present papers and talks as well as scholars on Achebe in Nigerian universities were also to present papers. Fifteen other distinguished writers and scholars from all over the world were to participate

There were plenary sessions on the theme of the celebration by foreign and local scholars, book exhibitions, visit to historical places like where Achebe stayed when he wrote Things Fall Apart, special auction of early copies of the book, screening of NTA adaptation of Things Fall Apart, and dramatic enactments of Achebe's novels on stage etc.

The celebration began with an interactive session at the National Theatre Complex, Lagos, with the speakers drawn from well known writers and academics in Nigeria. The chair of ANA Lagos, moderated the occasion, which was chaired by Chief Segun Olusola.

An evening of dance tributes by the National Troupe of Nigeria concluded the day's session. The celebration shifted to NTA, Abuja, where the guest speaker, Mrs. Eugenia Abu, led a discussion on the topic, "Things Fall Apart and the Nigerian Child". Quiz, spelling and reading competitions among invited secondary school students; screening of NTA production of Things Fall Apart, role modelling session by teenage authors, poetry performances, and variety shows, are among the activities lined up.

A symposium on the theme of the celebration took place at the popular Trenchard Hall, University of Ibadan, with, Prof. Sham Sudeen O.O. Amali, former vice chancellor, University of Ilorin; Dr. Festus Iyayi, University of Benin; Dr. Reuben Abati, The Guardian newspaper, Lagos; and Miss Tayo Ajayi, Obafemi Awolowo University, Ife as speakers.

Things Fall Apart was on stage, along with a performance of Biyi Bandele's adaptation by the Jos Repertory Theatre at the Cultural Centre, Mokola Ibadan.

There was an excursion to Ogidi, Achebe's ancestral home, and visits to historical places in Anambra State,ending with a luncheon by Anambra State Government in the afternoon.

The highpoint of the celebration was the night of Griots at Awka, Anambra State, in the evening with the griots including Wole Soyinka, Gabriel Okara, Jimi Solanke, Elechi Amadi, Chukwuemeka Ike, Labo Yari, Mabel Segun, Demas Nwoko, J.P. Clark, Okey Ndibe and Femi Osofisan..

Other events included opening cocktails, performance of the winning entry of the playwriting competition on Achebe's work apart from TFA, relaunching of Okike: Journal of African New Writings founded by Achebe, and award dinners. An art competition, involved the creation of a poster around the theme, "Achebe and Things Fall Apart @ 50".The chosen poster will be reproduced in thousands and distributed internationally, especially to schools and libraries.The posters will also be selected for an exhibition to take place during the celebration.

ANA having sought and got the consent of Prof Achebe saw that. "He and his family are very thrilled about the whole arrangement. " and kept in regular touch with the family through Chidi Achebe, one of the icon's sons.

In addition, several events are also planned to occur in South Africa, Kenya, Cameroon, Sierra Leone, Ghana and The Gambia.

USAfrica has also honored 50 Years of Chinua Achebe's masterpiece 'THINGS FALL APART' by holding the 2008 'USAfrica international Harvest of Achebe', in Houston, Texas on August 8 and 9, 2008 with special events including critical insights, harvest of ideas, international reviews of the epic work, theatrical and cultural performances in honor of the father of modern African literature Achebe and presenting to him. The 'USAfrica BEST OF AFRICA' 1st Lifetime Award .

The Houston-based USAfrica (characterized by The New York Times as the largest and most influential African-owned, U.S-based multimedia networks) was celebrating the 15th Anniversary of its pioneering multimedia leadership of the bi-continental interests of Africans and Americans. The convener and chief host was Chido Nwangwu, the Founder & Publisher of USAfrica, USAfricaonline.com, AchebeBooks.com, Azikiwe.org, AchebeThingsFallApart.com, CLASSmagazine, The Black Business Journal, BBJonline.com,, etc

In the United States, a world class literary gala tribute hosted by a U.S book publisher, Anchor Books Bard College and PEN American Centre was held at the historic New York City Town Hall to mark the book's anniversary. A 50th anniversary edition of the book has also been published by Achor Books in recognition of "one of the first African novels written in English to receive global critical acclaim". The publishers are also celebrating through the novel, the most illuminating and permanent moment in the pantheon of modern African experience as seen from within.Toni Morrison and Hia Jin were amongst the celebrities there.

Africans in the Diaspora have a number of events planned as well. Obiwu Iwuanyanwu, of the Writing Centre, Central State University Wilberforce, Ohio, USA, is organizing a major critical appraisal of Achebe's ground breaking novel. Iwuanyanwu reports: "To mark the half a century milestone of the literary path-breaker in 2008, scholars, researchers, teachers, students, professionals, and general readers are invited to submit articles for a multiple volume critical anthology on Things Fall Apart. Contributors are encouraged to be innovative and adventurous in their exploration, with the singular aim of eliciting the novel's uniqueness, impact, influence, and continuity.Among others, submissions may consider Things Fall Apart in relation : Discourse and theory, Diaspora and alienation, race and globalization, gender and sexuality, and minority, Environment and the animal, Language and linguistics, Influences and historicism, Art and visual culture, Culture and hospitality, Communication and Comparison, Space and Science.amongst others."

Editors of will include Victor O. Aire, , University of Jos, ; S. O. O. Amali, Vice Chancellor/President, University of Ilorin, ; Glen P. Bush, , Heartland Community College, Normal, IL, US; Augustine-Ufua Enahoro, , Univ. of Jos, ; Okey Ndibe, Trinity College, Hartford, CT, US Obiwu, Writing Center, Central State University, Wilberforce, OH, US; Olu Oguibe, University of Connecticut, Storrs, CT, US; Kanchana Ugbabe, , University of Jos.

The entire package is a literary harvest celebrating Achebe's creativity and imagination but serving as a springboard for the inspiration of the young to aspire to be like Achebe.

Born and schooled in Freetown, Sierra Leone, Arthur Smith has taught English for over thirty years at various Educational Institutions. He is now a Senior Lecturer of English at Fourah Bay College where he has been lecturing for the past eight years.

Monday, March 26, 2012

tumbleweed houses seretttan

tumbleweed houses seretttan

Managing Waste Easier With a Compost Tumbler

A compost tumbler is certainly a welcome innovation for people who want to help the environment though composting. Among the many ways of managing waste to help reduce garbage output is composting. But some find the process tedious, making it harder for them to contribute to a greener earth. With the invention of compost tumblers, though, making compost becomes less of a hassle and a mess.

Compost tumblers work by containing your compost and making it easier to mix your waste into the compost pile, eliminating the labor of having to turn it yourself with the use of a spade, shovel or pitchfork. Turning your waste in the pile helps it become compost faster. The designs of compost tumblers are also pleasant to the eye as compared to ordinary, open compost bins.

There are many kinds of tumblers available on the market, the simplest one being shaped like a drum which you can spin around by hand or by using a crank. There are also models which you can roll around on the ground, too. But there are electric tumblers available. Some of these even have features that make them convenient to keep inside of the house. You could also have them installed into a kitchen cabinet as well, as long as an electric supply could be provided for it.

tumbleweed houses seretttanAlthough a compost tumbler isn't more effective than a well-maintained compost pile, it does provide several benefits to its users aside from making compost easier to turn and keeping the waste neatly hidden inside of it. It usually eliminates the problem of foul odor and attracts fewer animals and pests as well, making it ideal for composting in the home, or for urban areas.
tumbleweed houses seretttan

Fan Etiquette - Are The People Who Love Your Music Ruining Your Band's Reputation?

They're generous, they're consistent, they're giving...and most of all...they love your music. They're your fans and they come to every one of your live shows, fork out money for cover charges, CDs and t-shirts, bring your band gifts, throw you house parties, and spread the word of your music on the internet and beyond. Your fans are the single most important ingredient to the success of your band. Without them, you'd be rocking out in your Aunt's basement to an audience of none...well, maybe her cat.

But there can be a dark side to the hoards of happy humans drunk on your future #1 hits. Sometimes the folks barreling in to see you play, or flooding your websites with their online presence are causing more harm than good to the reputation of your band. Rude behavior, message board flaming, compulsive sticker-ing and flyer-ing, may all seem like helping to your flock of followers but to club owners, industry and those newly interested in your music, they may seem like trouble-makers, belligerents and vandals.

It may be simply a case of over-exuberant fan zeal. Your fans think they're preaching the gospel of your band to anyone with eyes and ears: by dropping your postcards all over town like a bird with irritable bowel syndrome, by filling up strangers email in-boxes with bulky MP3s and HTML photo-heavy notices about how much you rock, and by yelling your band's name at the top of their lungs during another band's set like a parrot with Turret's Syndrome. These unsolicited over-promotions...albeit well-intentioned...are hard for the average person to separate from your band's own promotional efforts and may not be appreciated in the way they were intended. On the other hand, it may be that your fans are so revved up by the love of your music that they've become arrogant, aggressive and just plain out of control in any arena (or cyber place) your band inhabits. At any rate, you may find that you need to dial these folks back a bit to create a environment that is fan-friendly without comprising your band's opportunities.

The following are a few tips that will help you to guide your supporters in their quest to be adamant fans without allowing them to turn into an obnoxious, rowdy, gang of rabid baboons.

1.) Communicate With Your Fans---A lot of problems can be eliminated by simply setting up a line of communication between your band members and your fans. For instance, if you know that a particular club forbids setting around flyers, postcards or other promo materials, post it on your website with the upcoming show info-blast. Set guidelines for your band and for each individual show and let your fans know that they need to follow these simple rules or they're no longer permitted to attend live gigs and to post on your cyber message boards. A little information can go a long way and your fans will be happy that you let them know what they can and can't do at any particular show.

2.) Learn From Experience---Sad but true, often the best way to learn what's not appropriate at shows is for inappropriate things to happen. When fans begin their overblown behaviors, benign-intentioned or not, you will learn by the reaction of the clubs, the industry and your other fans what's okay and what's not going to fly. A good example is this...placing bumper stickers on club walls may be encouraged at some places but forbidden at others. The first time you get a call from a red-faced bar owner screeching through clenched teeth that his men's room walls have to be repainted, you'll know that it's time to email your fan base and let them know to leave their reserve of band stickers at home when the band plays that club again. In another example, it may not occur to your band that certain fans are behaving rudely to club personnel or to your other fans, at your shows, until someone makes you aware of it. At that time, you may need to email your naughty fans and let them know that certain bad attitudes are unacceptable at shows, and on your message boards, and that fans who can't be pleasant will not be invited back.

3.) Friends And Family Are No Exception---As awful as it sounds, often times a band's family and friends are the most out of control and obnoxious at shows...and on the web. Maybe it's because they're more emotionally invested in the band and its members, or maybe because the musicians forget to remind their loved one about fan etiquette. You and your bandmates may think it's a given, but some of the biggest jerks, idiots, and rebel rousers at gigs are your loved ones. It doesn't matter it's the bass player's ten year-old brother to the drummer's 60 year-old dad, you don't want to be banned from your favorite showcase venue because granny kicked the bouncer in the shin. Don't be afraid to sit your friends/family down and spell out the live show/internet rules for your band. Sometimes you can't control the fans you don't know, which makes it all the more important than ever to control the fans you do.

4.) Lay Down The Law---Once you become aware of the "problem" fans, it's time to explain to them what they can and cannot do at your gigs and on your website. Before banning anyone from visiting the band's shows and sites, try sending out a polite, but firm, email with some specific guidelines and a serious warning that the next step will be cutting these bad elements out of the band's loop. It's important to try not to make the email too harsh, as it may insight further acting up. So, just deliver the message in a casual way, explaining that their actions are hurting and not helping the band...a fact that they honestly may not realize. Honestly, you may need to give it some backbone so that your jerky fans really understand that their jig is up. If you're having trouble with someone you know well...a particular friend or family member...a phone call or face-to-face meeting might better do the trick. No matter how the message is executed, it's important to let your fans know that certain behaviors will not be tolerated by the band under any circumstance. Most fans would rather shape up that be cut out of all of the fun, and the band's reputation will be safe from troublesome followers for the time being.

It's true that fans are a band's biggest asset. But left uncontrolled they can also be the biggest liability as your band takes on the responsibility and reputation for the antics that its fans pull at live shows and on websites. Like crazed leprechauns, full of mischief, each fan's silly stunts and nasty attitude problems will eat away at your band's good name with tiny bites...like a school of piranha in a stream eating a full sized goat down to the bone in seconds...until your band is left, a former shell of itself, wandering your town trying to figure out why you can't get booked and no one visits your website. It's not a good sign when you see a tumbleweed blow through your music career. Nip it in the bud now. Control your fans behavior. Trust me; you'll be glad you did.

tumbleweed houses seretttan

Small Green Homes

A small home can pack a super-sized punch when it comes to reducing a house's environmental footprint. Energy-efficient, sustainable homes tend to be smaller homes, which inherently have less square footage inside and less acreage outside. The inside costs less to heat, cool and light, leading to less energy consumption, and a minimal-sized lawn-if any-needs minimal maintenance, reducing emissions and contributing to a much healthier environment. But there's more to a "green home" than meets the eye.

A green home does not need to look as if it was built for the year 2100. In fact, many green homes look, from the outside, like other homes going up in new subdivisions. But on the inside and some unseen places on the outside, these abodes are unusual. Features such as rainwater capturing systems, a roof designed for solar installation, carpeting made of recycled materials, and wind power are just a few ways that a house is built with the environment in mind.

tumbleweed houses seretttan<a href=The greenest of the green are residential homes built to be certified to the highest standard of the Leadership in Energy and Environmental Design (LEED) rating system. Conforming to the standards provided by the U.S. Department of Energy Building America Program, LEED has long been used for commercial and government buildings, but home certification is a relatively new phenomenon. One way that a green home is defined is its rating as being at least 40 percent more energy efficient than standard-code homes.

For the pure sake of building cost, smaller homes are the most likely to be built as "green" homes. Many of the systems that are constructed as eco-friendly are not cheap, and the fewer solar panels and the smaller self-sustaining heating and cooling systems equate to a smaller build-out budget. The elements that make a home a green home have dropped in cost over the past several years, but constructing a basic LEED-certified house still runs about $3,500 more than it would cost to build a regular house. The highest-level LEED-certified home costs about $29,000 more. The smaller the home, the less expensive the process. The same concept applies to existing-home renovations or "greening up" an older home.

One example of a company that successfully merges the concepts of "green" and "small" is seen with Tumbleweed Tiny House Company founded by Jay Shafer. Shafer started building small homes out of his concern about the impact a larger house has on the environment. More than 10 years later, these "tiny" portable homes not only minimize square footage, but the green homes are fully insulated with double-pane windows and an adequate heater.

More and more homebuilders are greening the American Dream. It is suggested to verify a builder's credentials by asking for their ANSI-approved ICC-700-2008 National Green Building Standard certification (see http://www.nahbgreen.org for more information). Check out these builders online:

Atlas Home Contractors, atlashomecontractorsinc.com
BPC Green Builders, bpcgreenbuilders.com
Castalia Homes, castaliahomes.com
Dominion Homes, dominionhomes.com
Grady O Grady, gradyogrady.com
Integrity Builders, homesbyintegrity.com
Jurenka Custom Homes, jurenka.com
Ondra Home Building, ondrahomebuilding.com
RC Green Builders, rcgreenbuildersaz.com
Summit Custom Homes, summitcustomhomeskc.com
Zero Energy, zeroenergyllc.com

Want to learn more about prefab cottages, tiny homes, and more? Visit my website at http://www.thesmallerhome.com to learn all about how to downsize to a smaller home and simplify your life.

Andrzej Kozlowski has written numerous articles on topics ranging from home downsizing to simple living. He is also editor and co-author of the book, "Living Smart: The Money Saving, Eco-Friendly Guide to Downsizing Your Home and Belongings."

tumbleweed houses now trendy

tumbleweed houses now trendy

Entertaining Ideas - Dinner Parties at Home

Entertaining at home with friends is one of life's small pleasures and is, even today, more popular than ever for a multiplicity of reasons. Entertaining at home is attaining more attention these days due to current economic climes and so now is the time to start thinking of how to achieve the best and economically sound results.

Ever heard of the "The Five P's"? It is a desperately important factor in a successful dinner party. (It stands for Prior Preparation Prevents Poor Performance). One cannot prepare enough in order to make things go smoothly. Simple factors like... have you chosen the wines well enough? Have you plenty of exciting non alcoholic drinks for the drivers and Tee-Totallers? Also... music. Have you done your homework on the musical tastes of your guests? A balanced menu is most important with a variety of tasty and memorable dishes. Have you planned for any special dietary requirements of your friends? Speaking as a time-served Vegetarian (40 years!), I have been put on the spot when being asked to stay for lunch or supper when the host has reeled in horror at my "habits". You can see a pallor come over them as they panic. "Well you could have this... there's not much meat in it" they say, hopefully!

tumbleweed houses now trendyAnother success factor is choosing the right guests. One must endeavor to select carefully. There is no point in inviting people who are likely not to get on with each other, this could cause a catastrophe in the well planned evening! When you have chosen your guests, aim to seat certain people together who in your mind, go well together. If you know that someone drinks heavily at dinner (and we all know someone who does... especially if the wine is on free-flow!) then perhaps you should think again about inviting them, as this could ruin the event.
tumbleweed houses now trendy

Conversation

Apart from the meal, the most important characteristic of a successful time is the exchange of conversation. Good conversation makes for great time had by all. So aim to choose a few subjects which you know have at least some common ground with everyone present. Carefully interject with a subject during a conversation and it is amazing how quickly the conversation takes shape! Also have a few subjects up your sleeve which are likely to create a reaction (a good one) so that those stymied and "tumbleweed" moments, when the conversation reduces to an awkward silence, can be prevented. It's not a good idea to let the conversation turn into a joke telling event but sometimes it pays off when it all goes quiet. (Keep it clean).

People do have a habit of telling short stories about what happened to them. You mention that "you were stopped by Police whilst driving home the other day" and in moments all the others are telling stories about their encounters. A story about a rude Supermarket Assistant... and suddenly everyone has had a bad supermarket experience. To be quite honest, nobody actually cares about what happened to other people, they simply talk about themselves, as this can be the most interesting subject they know of! (And the easiest to talk about I suppose).

Entertaining

Entertaining with friends, obviously not a recent activity, has now become an immeasurable attribute of our relaxation time. Entertaining at home is far less expensive than you might care to imagine. It is cheaper in most respects and yes indeed... you can actually have a Cigarette after the meal (if a smoking household of course) without anyone suing you!

Whilst drinks are obviously far cheaper at home it can mean that more drinks are available for your guests. More choice and variety or better quality at least. Consider entertaining at home more often. You will be surprised as to how an excellent host you can be. For many, entertaining at home is the better choice, and I couldn't be of the same mind more as I have experienced some wonderful get-togethers with friends over the years.

Obviously the best route to a successful evening is to have someone else do the work for you. A Chef friend of mine developed a highly successful business, running dinner parties for other people. He prepares everything from the invitations to the washing up and polishing the glasses! The food and wine is chosen with the hosts, tastings are done, table decor arranged, staff employed... so the hosts may sit back and simply enjoy.

However, many of us prefer to prepare everything ourselves, as this too is an essential ingredient of a successful evening! There are many books available on the subject, so many people advising and telling how best to do it. You will never go short of advice! Please don't forget though, that this is your evening, so do it your way.

Wine

Omit all those pricey cocktails, as they don't add a lot to the value of the evening. Serve a small selection of aperitifs to begin with. Then provide your guests with a small selection of reasonably priced wines that will go with almost anything you serve. (When I say small, I mean only small in variety. Make sure you have far more than practicably possible for anyone to drink, so you can never run out). I remember as a boy, my parents going to many dinner parties. One evening in particular my parents came home early with some friends who had been at the same dinner party. Apparently the host had run out of wine as he was rather famous for underestimating and under stocking. So the party continued to the early hours in the west drawing room, with much mirth and merriment (and our wines)!

Some people insist on having a different wine for each course. I find this rather complicated as a lot of people really don't care these days and one could be wasting time and money here. So choose wisely and choose well. If one is unsure of one's wines try to involve a friend or colleague who knows something about the subject.

I tend to prefer red wines from Burgundy or Bourgogne. Wines from Burgundy tend to be rich and extremely provocative, with sharpness and rounded oak flavors. They are also unbelievably mystifying, extending over three Departments in France, with nearly perhaps a hundred varieties of wine.

These wines contrast in quality from the magnificent to the appalling, and so do the prices! If truth be told, to enjoy these wines, one must first be aware of these regions in France.

tumbleweed houses now trendy

Cooking

Notwithstanding a mounting interest in cooking at home, by and large the trend continues to shift away from conventional forms of cooking towards more convenient and simpler options. People are cooking more and more at home and would, to a certain extent, prefer to spend their money on things that will improve life at home, or at least in the kitchen. Toaster type ovens, microwave ovens and the many variety of grills available on the market, seem to be the most popular purchase these days.

Recipes

Aim to identify recipes which can be prepared in advance of the event, giving one the time to enjoy the party. Whatever the occasion, you should find recipes that can be put together easily and quickly to ensure maximum time to entertain one's guests. People are not all experts. They don't have time to look for ingredients and simply require recipes that work first time with no mistakes.

Being from a Vegetarian household, my Mother used to plan the most scrumptious menus for her dinner guests... without a scrap of meat involved. Believe it or not many failed to even notice! I have done this myself on numerous occasions and the compliments have been well received. I have no objections to preparing meat for guests personally but it is done at arm's length. I prefer to have someone do this part instead when possible.

tumbleweed houses now trendy<a href=Coffee

When one has finished the main courses, you can serve coffee or tea. One is aware of the existence of a large variety of teas & coffees but most people serve the "safe option". More often than not people simply prefer something uncomplicated. A decent cup of "industrial tea" is my all time favorite! Simple, full flavor coffee is easy to find and prepare. However one particularly fun way of serving unusual coffee is by using one of those fabulously delightful coffee makers which use small disposable containers of coffee varieties. This way you may entertain even further by offering several coffees which the guests may prepare themselves! Such novelties never fail to please!

One should, in my mind, withdraw from the table to a lounge area, to take coffee. Here you may relax and "loosen one's corsets" so to speak! It may be a great idea at this point, to offer a choice of striking, homemade desserts or elegant chocolates to round things off. I also make a point of giving my guests a large hand rolled Dominican Cigar... not to smoke in my home I'll have you know, but to take with them and smoke somewhere else!

tumbleweed houses today trend

tumbleweed houses today trend

Small is Beautiful

While the size of the average home gets bigger and bigger, it's refreshing to see the conscious shift to smaller homes that some people are making. Because along with that decreased space comes a decreased environmental footprint, and a decreased energy bill. If the home is well designed with functionality in mind, the living, as they say, is easy. And there's even a Small House Society!

Enter people like Jay Shafer of the Tumbleweed Tiny House Company, who builds homes between 65 and 774 square feet. His homes are carefully designed to make maximum use of every square foot. They come equipped with a small kitchen, and up to three bedrooms and two bathrooms, depending on the design chosen.

One major bonus of Shafer's homes is the low cost of heating. Heated with propane, his own home-a smaller model-costs him $170 per year to heat, and that's in Iowa, where winters are winters. Plus, a smaller home requires less maintenance. Everything is smaller and therefore the amount of work to be done is less: less to dust, less to vacuum.

The biggest challenge is likely to be paring down your stuff to be able to fit into a smaller space. But isn't there some spiritual lesson there? Didn't some prophet state that we don't own our possessions, they own us? There is certain simplicity to owning less that perhaps we should all consider. And in a tiny home, there certainly isn't room for unused, or even under-used, stuff.

tumbleweed houses today trendHowever, if a permanent downsizing is more than you can bear, or if you just have too many kids or pets to make it practical, these little homes make great guest cottages, vacation homes or temporary dwellings while you build something larger. Or, if your grown kids are refusing to leave home, perhaps you can take a cue from the Small House Society president Greg Johnson, who lives in a home designed by Tumbleweed's Jay Shafer, and have some tiny homes on your property to give your kids, and yourself, some private space. Johnson home is on his father's property, and he shares his father's bathroom after sacrificing his own in order to have more storage space.
Another thing that can make a small home more economical and environmentally friendly is using recycled materials. Dee Williams, who built her own home based on one of Shafer's designs, salvaged a door from a dumpster and old wood floor panels from a home that was damaged in a fire. But far from looking like trash, these salvaged items give her quaint home even more character, and give her a little story to tell.

tumbleweed houses cilik2 ruwet

tumbleweed houses  cilik2 ruwet

How a Tiny House Can Fit Any Lifestyle

Do a search on the internet for "Tiny House" and you'll find a lot of information. It seems this tiny trend is catching on all across the world. Individuals, couples and small families are choosing to downsize their lives to live in much smaller spaces that are usually much less expensive than conventional houses. Small houses like this can range in size from less than 100 square feet to up to 900 hundred square feet. So, you're interested in knowing more about the Tiny House movement? Before going through the process of building or buying you own, this information can help you narrow down your small living choices.

Tiny Houses are often on wheels, but not always. One of the leaders of the small living movement, Jay Shafer of the Tumbleweed Tiny House Company, suggests building the little houses on trailers so they can be moved easily. This also helps get around some of the laws surrounding such small homes. Many municipalities have codes that don't allow people to live in spaces under a certain square footage. By building a house on a trailer, it is no longer a house and it becomes an RV. Not everyone builds these small homes on wheels. Check your local codes to see if a small house might classify as a "building of no consequence" before starting your project

tumbleweed houses  cilik2 ruwet

Tiny houses are often sustainable, but not always. The small home movement and environmentalism seem to go hand in hand. Many builders use sustainable building products and create environmentally friendly systems in their homes. It is not unusual to find a small home built with all reclaimed wood. Sometimes it is difficult to build a conventional home using these items, but the scale these houses allows the builder to use much less of the product making it effectively cheaper. Many small homes are also off the grid using solar energy or rain catchment systems for water use.

Tiny houses are built with all the necessities of a conventional house. There will typically be a seating area, a dining area, a kitchen, a bathroom and a sleeping area which is most often a loft. The beauty about the tiny house movement is that the each owner and builder can customize the space to work best with their own lives.

If you're interested in considering your own small home there is a wealth of resources available online. It is also a very tight online community and you can often find individual blogs from tiny house enthusiasts from all over the world. Tap into these resources, talk to some other tiny house builders and learn just what kind of space will be good for you and your needs.

tumbleweed houses  cilik2 ruwet

Go Small, Live Green

Living small oftentimes means living a lifestyle that is friendly toward the environment. Consider small prefabricated homes, homes that are among the fastest-growing "green" homes in environmentally conscious circles. A green home features such eco-friendly things as rainwater capturing systems, a roof designed for solar installation, carpeting made of recycled materials, and wind power. While it's not necessarily the case that the smaller the home the greener it is, the case can be made of prefab homes built with that goal in mind.

Green prefab homes are built with one essential goal: to reduce the homeowner's carbon footprint on the planet. An eco-friendly fact of green prefab homes is that they are built in a factory, which means a sharp reduction in the material waste that usually accompanies residential construction. Another benefit to the environment is their construction material.

Many are built with sustainability in mind, from "cradle to cradle" in environmentalist parlance. Materials such as recycled glass and reclaimed wood are used, as is special construction for elements such as green or "garden" roofs and walls. Some homes are finished on the inside with special paints and varnishes that drastically reduce or eliminate home-interior "off-gassing" associated with standard articles such as fabrics.

Shrinking homeowners' footprints was the motivation that drove Copeland Casati to start Green Modern Kits, Green Cottage Kits and Green Cabin Kits (GreenModernKits.com, GreenCottageKits.com and GreenCabinKits.com), companies that produce passive-solar prefab house kits. These homes are designed "to collect, store and distribute solar energy," according to the U.S. Department of Energy, with the help of passive-solar design that uses fewer heating and cooling systems.

tumbleweed houses  cilik2 ruwet

Another example of a company that successfully merges the concepts of "green" and "small" is the Tumbleweed Tiny House Company (http://www.tumbleweedhouses.com) founded by Jay Shafer. Shafer started building small homes out of his concern about the impact a larger house has on the environment. These "tiny" portable homes come fully insulated with double-pane windows and an adequate efficiency heating system.

Topping the larger end of the green prefab scale, Blu Homes, Inc. (http://www.bluhomes.com) recently came out with its newest home, the Blu | Balance, an eco-friendly and spacious house that measures more than 1,600 square feet. The one-story home has a flexible floor plan and comes with two or three bedrooms and two full bathrooms. As with other green prefab homes, Blu models come with low-flow fixtures, energy star appliances and architectural characteristics that maximize passive heating and cooling. But what makes this company stand out is its unique home-folding design. The folding technology and computer modeling is put to use in the factory construction, allowing Blu to build quickly and economically ship anywhere, where the home is unfolded and completed on-site.

These and more designers and companies are showing up from the four corners of the Internet. As we move into the second decade of the 2000s, there is much to build upon green prefab homes that already prove that green design can be modern and chic.

From prefab cottages to tumbleweeds houses, home downsizing options abound! Visit http://www.thesmallerhome.com to learn all about the joys of simple living.

Andrzej Kozlowski has written numerous articles on topics ranging from home downsizing to simple living. He is also editor and co-author of the book, "Living Smart: The Money Saving, Eco-Friendly Guide to Downsizing Your Home and Belongings."

tumbleweed houses  cilik2 ruwet <a href=

Small Green Homes

A small home can pack a super-sized punch when it comes to reducing a house's environmental footprint. Energy-efficient, sustainable homes tend to be smaller homes, which inherently have less square footage inside and less acreage outside. The inside costs less to heat, cool and light, leading to less energy consumption, and a minimal-sized lawn-if any-needs minimal maintenance, reducing emissions and contributing to a much healthier environment. But there's more to a "green home" than meets the eye.

A green home does not need to look as if it was built for the year 2100. In fact, many green homes look, from the outside, like other homes going up in new subdivisions. But on the inside and some unseen places on the outside, these abodes are unusual. Features such as rainwater capturing systems, a roof designed for solar installation, carpeting made of recycled materials, and wind power are just a few ways that a house is built with the environment in mind.

The greenest of the green are residential homes built to be certified to the highest standard of the Leadership in Energy and Environmental Design (LEED) rating system. Conforming to the standards provided by the U.S. Department of Energy Building America Program, LEED has long been used for commercial and government buildings, but home certification is a relatively new phenomenon. One way that a green home is defined is its rating as being at least 40 percent more energy efficient than standard-code homes.

For the pure sake of building cost, smaller homes are the most likely to be built as "green" homes. Many of the systems that are constructed as eco-friendly are not cheap, and the fewer solar panels and the smaller self-sustaining heating and cooling systems equate to a smaller build-out budget. The elements that make a home a green home have dropped in cost over the past several years, but constructing a basic LEED-certified house still runs about $3,500 more than it would cost to build a regular house. The highest-level LEED-certified home costs about $29,000 more. The smaller the home, the less expensive the process. The same concept applies to existing-home renovations or "greening up" an older home.

One example of a company that successfully merges the concepts of "green" and "small" is seen with Tumbleweed Tiny House Company founded by Jay Shafer. Shafer started building small homes out of his concern about the impact a larger house has on the environment. More than 10 years later, these "tiny" portable homes not only minimize square footage, but the green homes are fully insulated with double-pane windows and an adequate heater.

More and more homebuilders are greening the American Dream. It is suggested to verify a builder's credentials by asking for their ANSI-approved ICC-700-2008 National Green Building Standard certification (see http://www.nahbgreen.org for more information). Check out these builders online:

Atlas Home Contractors, atlashomecontractorsinc.com
BPC Green Builders, bpcgreenbuilders.com
Castalia Homes, castaliahomes.com
Dominion Homes, dominionhomes.com
Grady O Grady, gradyogrady.com
Integrity Builders, homesbyintegrity.com
Jurenka Custom Homes, jurenka.com
Ondra Home Building, ondrahomebuilding.com
RC Green Builders, rcgreenbuildersaz.com
Summit Custom Homes, summitcustomhomeskc.com
Zero Energy, zeroenergyllc.com

Want to learn more about prefab cottages, tiny homes, and more? Visit my website at http://www.thesmallerhome.com to learn all about how to downsize to a smaller home and simplify your life.

Andrzej Kozlowski has written numerous articles on topics ranging from home downsizing to simple living. He is also editor and co-author of the book, "Living Smart: The Money Saving, Eco-Friendly Guide to Downsizing Your Home and Belongings."

Wednesday, March 14, 2012

ideal home exhibition

ideal home exhibition

5 Exhibitions and Fairs in Cyprus Worth Visiting


Cyprus is not only a great island for frolicking in the sun, there are also a number of exhibitions and fairs which take place here which are well worth visiting. Below is a brief guide to some of the best.

Cyprus International Education Fair - Each year thousands upon thousands of students from around Cyprus and the surrounding areas attend this meeting in order to establish what educational opportunities are available to them in both in Cyprus and internationally. The exhibitors include education providers from all over the word, education counsellors, education advisors and government bodies. This event is ideal for young people unsure of what to do next and education providers looking to promote their product.

ideal home exhibition

Ideal Home Exhibition - This is a two day event which showcases the best in furniture, interior design, equipment and materials for building, home appliances and many other items related to the development of homes. You can view completed interior designs and product demonstrations and also speak to experts to gain advice and inspiration. For those involved in the home improvement business this is a great opportunity to break a new market and really improve the awareness of your company.

Cyprus Hunting Exhibition - Thousands of people from around the world attend here each year to experience the latest technologies and products related to hunting as well as to participate in the events and activities which act as a fitting accompaniment to the core show.

Cyprus Gift & Souvenir exhibition - It can be easy to be cliché when buying a holiday gift for someone, so a visit to this exhibition will give you the opportunity to experience a wide range of products from which to choose. Perhaps the people to whom this event will appeal most is those who wish to start a small business in Cyprus as you will have the opportunity to meet with all of the major manufacturers in Cyprus who can provide you with all of the products you need.

ideal home exhibition<a href=Agrotica Exhibition - For those working in agriculture that are looking for an excuse the jet out to the sunshine, this exhibition held at the Cyprus International Fair Grounds gives you the perfect excuse. You can learn about all of the latest issues and developments in the area and gain some tricks of the trade from local industries as well as from those who visit from around the world. Everything from water irrigation to green house equipment is covered here.

Friday, March 9, 2012

REA-NK REO HomePath Program

REA-NK REO HomePath Program

Fannie Mae's REA-NK REO HomePath Program

For those out there looking for a deal by buying a foreclosed property here in San Diego, you might want to take a close look at Fannie Mae's HomePath program. In my opinion it could be a great way to purchase your new San Diego Condo or home.

Fannie Mae's REA-NK REO brand, HomePath, was created early in 1999. Fannie Mae has over 89,000 real estate owned (REO) properties on their books; over 600 of those are in San Diego. These Fannie Mae owned properties eligible for the HomePath financing offer an affordable opportunity to buy a foreclosure with up to 97% financing. Yes, that's less money down then an FHA loan.

Some advantages of the HomePath loans:

• 3 % Down payment

• No PMI (mortgage insurance) required

• No Appraisal

• Renovation Financing

• Up to 6% in Seller concessions (Owner-occupant)

• Only 10% down on 1 unit investment properties

• Allows Investors to finance up to 10 Properties

First Look Marketing Program I know its tough working with the Owner-occupants going against Investors who are usually going to blow us out of the water by paying cash with no contingencies. Most of these properties are open to offers to investors as well as owner-occupants during the first 15 days after they come on market. For the HomePath properties that qualify the First Look Marketing Program will only consider offers from Owner Occupants or Buyers using public funds for the first 15 days.

This offers a distinct advantage over a normal REA-NK REO listing, taking the Investor out of the competition. If the property is still for sale after the First Look Marketing period expires, Investor offers may be submitted and will be considered. Fannie Mae's HomePath Program is worth taking a look at.

REA-NK REO HomePath Program

Fannie Mae HomePath Mortgage

Shopping for the Right Home Loan

Are you thinking about refinancing your home loan? Are you looking for the best refinance rates available? If so, than there are several things you should know about the rate quotes you may be finding. A home loan refinance can quickly lower your monthly payment, allowing you to keep more spending money for yourself; however there are numerous "junk fees" and markups that can cloud that great deal you may have found. Below are several great tips to help you find a great mortgage rate without overpaying!

Best Home Mortgage Rates

Where are the best home mortgage rates? Numerous homeowners are unable to know a good mortgage rate when they find one because they are unaware of hidden markup and fees. What is a hidden markup? It is a way for loan originators, banks and lending institutions to make additional money off of your loan refinance. Essentially, your interest rate is quoted higher than the bottom line, thus raising your interest rate and allowing your loan originator to make additional money off of your dollar! How do you bypass this hidden expense? You must find someone who is willing and able to provide you with a mortgage without marking up your rate. In other words, you need access to wholesale mortgage rates. Refinancing (or even purchasing for that matter) with the right originator can save you thousands of dollars in the end. How do you find the right originator? Let's first discuss how to find the WRONG one!

Bank Mortgage Loans

Countless Americans think refinancing through a bank is a great deal because they cut out the middle man, thus allowing you the lowest rate, however, there are several issues with bank originated home loans.

Mortgage brokers and lenders are regulated by your State's consumer protection and predatory lending laws as well as the Real Estate Settlement Procedures Act, thus being required to disclose (nearly to the penny) all fees associated with your mortgage loan. Banks, however, are regulated by the Federal Government and are exempt from your State's mortgage lending regulations. Although they must abide by the Federal Truth-in-Lending laws there are many loopholes that the banks are able to get around. Additionally, bank have lobbied the Federal Government so they only need to provide a less-than-accurate Good Faith Estimate and an Annual Percentage Rate based on this estimate. Due to the loopholes previously mentioned, banks are not required to disclose any of their markup or profit margin on your home loan.

In addition to the lack of regulation, banks are in business just to loan money. They make a majority of their profit by selling their mortgage loans on the secondary market. Loans with a higher market interest rate make a larger profit for a bank (known as the Service Release Premium) which is why you will never get a wholesale refinance rate from your bank.

How to Get Wholesale Refinancing Mortgage Rates

Obtaining a mortgage loan at a wholesale rate is not as hard as you may think. You do not need to have special intel or a secret agent, you simply need to shop for the right mortgage broker! The fact of the matter is, if you want the lowest possible refinance rate, you will need to find a mortgage broker willing to do your loan for a flat, up-front fee who will not mark up your interest rate for a fee (called Yield Spread Premium).

Do you recall how banks profit from selling their home loans to investors for a fee known as Service Release Premium? Well, mortgage brokers are able to collect a similar fee known as Yield Spread Premium. Yield Spread Premium is a fee paid to a mortgage broker by the mortgage lender for selling a higher interest rate to a borrower. Although it must be disclosed to you, it is often explained away as a fee that the lender pays the broker and has nothing to do with the borrower's expense. It would be great if that were true, but unfortunately it is 100% at the borrower's expense, and that expense lasts over the life of the loan! It is the increased interest rate that results in an increased mortgage payment that comes directly out of the pocket of the borrower. The most important thing to know about this fee is that although you may be saving out of pocket expenses during the origination of the loan, in the long run you are better off to just pay the mortgage broker an upfront fee for originating your loan and getting the lowest possible interest rate. An honest mortgage broker should be able to provide you with both options and tell you the true difference in your mortgage payment with and without your Yield Spread Premium. If that is disclosed and discussed upfront, than there is no hidden fee because your mortgage broker has revealed it to you!

If you want wholesale mortgage rates for your next home loan, make sure you tell your potential brokers that you understand Yield Spread Premium and you are not interested in a loan that includes a markup. Offer to pay them a reasonable loan origination fee and you will be on your way to saving money on your next home loan!


9 Fannie Mae HomePath Facts


There are a few really important facts that need to be known about Fannie Mae HomePath properties. There are great deals to be had, but be prepared to move quickly. These foreclosures tend to get multiple offers very quickly when they hit the market, and you may end up in a bidding war.

Let's go over the top 9 Fannie Mae HomePath facts:

1. Fannie Mae HomePath is available to investors.

This is usually unheard of. But investors can get in on this craze. Most of these style programs are not available to the investors and are reserved for the owner occupied buyer.

2. HomePath does not require mortgage insurance.

Even though you are not putting 20% down on the loan, HomePath financing does not require mortgage insurance (MI). Some people might know this as PMI.

3. No appraisal necessary.

On certain programs, there is no need to have an appraisal. This is great if you are intending to do repairs that you don't want the lender to know about, or if there are repairs that most lenders would require to be fixed, prior to issuing a loan.

4. Interest rates are a little higher.

It is what it is. The interest rates are slightly higher on these programs. It is a small price to pay if you are trying to buy a home outside the normal box.

5. There are (or can be) incentives.

Fannie Mae regularly comes out with incentive programs that are really great. Like offering to pay your closing costs, or giving the agent a bonus for selling the home. Make sure you check into these or ask your Realtor.

6. You can renovate your purchase.

If the home needs repairs, check to see if the home is eligible for the HomePath Renovation loan. You are allowed to finance extra money in to complete the repairs. Again, this is an unusual opportunity, since most loans do not allow for financing above and beyond the purchase price.

7. Homes are sold as-is.

Since banks and lenders never lived in the home, they sell them as-is. This means that if there are issues with the home, they are your problem once you buy it. It is always recommended to get a home inspection to ensure you know more about what you are buying.

8. HomePath is for Fannie Mae properties only.

Financing is for homes owned by Fannie Mae only. You cannot use HomePath to purchase a home owned by Freddie Mac or any other lender.

9. Fannie Mae does not lend directly.

If you want to get a HomePath loan, you need to locate a lender that offers them. Fannie Mae will not lend you money directly, rather, they will approve a loan that a lender or bank underwrites. Since the lender and loan officer does most or all of the paperwork, you will never "see" Fannie Mae in the process.

Homepath-Dudhu Syandhal Ikiyuu

Homepath-Dudhu Syandhal Ikiyuu

HomePath for Investors-Dudhu Syandhal Ikiyuu

Imagine buying an investment property with very little down, with a great interest rate and no mortgage insurance. Well it is possible!

If you are an investor and would like to have a chance to buy properties with little down, or you would like to be able to finance the repairs, then you are in luck. Fannie Mae HomePath will allow it. Let's look at the program more in depth.

1. As little as 10% down

In today's market, you would need to put at least 20% down to purchase an investment property. There just aren't any lenders willing to lend with less money down. The main reason is because mortgage insurance companies aren't willing to accept the risk.

Well that was the case, but now there is the HomePath Mortgage! With this program you only have to put 10% down. This will open up your chances of leveraging more properties with your investment.

2. No mortgage insurance

You probably already know this, but let's cover it, just in case. Mortgage insurance is a premium paid to the lender because you did not put enough money down. This is not homeowner's or fire insurance.

Most loans will require that you put 20% down or you have to pay mortgage insurance. Not with Fannie Mae HomePath. You can put as little as 10% down and you don't have any mortgage insurance to pay. This can save you as much as $140 a month, on a $150,000 purchase.

3. Finance the repairs

Unlike 99.9% of the loans out there, the HomePath Renovation Mortgage allows you to finance repairs into the loan. There is a ceiling on how much money you can get towards the repairs though.

What's the downside?

It seems like most loans have a downside, so you are probably asking what it is here. There really isn't any. If anything, maybe it's that the interest rate is a bit higher, but it is much cheaper than paying mortgage insurance.

One more note, as an investor you will have to wait 15 days or more before you can make an offer. They want to give people a chance to buy the home that will live in it first. This period is known as the "first look". The only State that requires more days is Nevada, and the first look period there is 30 days.

As you can see, the HomePath options are a fantastic way to buy your investment property. If you want more information on the Fannie Mae HomePath properties, give us a call.

Homepath-Dudhu Syandhal Ikiyuu

9 Fannie Mae HomePath Facts

There are a few really important facts that need to be known about Fannie Mae HomePath properties. There are great deals to be had, but be prepared to move quickly. These foreclosures tend to get multiple offers very quickly when they hit the market, and you may end up in a bidding war.

Let's go over the top 9 Fannie Mae HomePath facts:

1. Fannie Mae HomePath is available to investors.

This is usually unheard of. But investors can get in on this craze. Most of these style programs are not available to the investors and are reserved for the owner occupied buyer.

2. HomePath does not require mortgage insurance.

Even though you are not putting 20% down on the loan, HomePath financing does not require mortgage insurance (MI). Some people might know this as PMI.

3. No appraisal necessary.

On certain programs, there is no need to have an appraisal. This is great if you are intending to do repairs that you don't want the lender to know about, or if there are repairs that most lenders would require to be fixed, prior to issuing a loan.

4. Interest rates are a little higher.

It is what it is. The interest rates are slightly higher on these programs. It is a small price to pay if you are trying to buy a home outside the normal box.

5. There are (or can be) incentives.

Fannie Mae regularly comes out with incentive programs that are really great. Like offering to pay your closing costs, or giving the agent a bonus for selling the home. Make sure you check into these or ask your Realtor.

6. You can renovate your purchase.

If the home needs repairs, check to see if the home is eligible for the HomePath Renovation loan. You are allowed to finance extra money in to complete the repairs. Again, this is an unusual opportunity, since most loans do not allow for financing above and beyond the purchase price.

7. Homes are sold as-is.

Since banks and lenders never lived in the home, they sell them as-is. This means that if there are issues with the home, they are your problem once you buy it. It is always recommended to get a home inspection to ensure you know more about what you are buying.

8. HomePath is for Fannie Mae properties only.

Financing is for homes owned by Fannie Mae only. You cannot use HomePath to purchase a home owned by Freddie Mac or any other lender.

9. Fannie Mae does not lend directly.

If you want to get a HomePath loan, you need to locate a lender that offers them. Fannie Mae will not lend you money directly, rather, they will approve a loan that a lender or bank underwrites. Since the lender and loan officer does most or all of the paperwork, you will never "see" Fannie Mae in the process.

A Fannie Mae HomePath property and loan can be a great opportunity to buy a home that is affordable and offers low down payments with no mortgage insurance. If you are in the market for a new home, then make sure you consider them in your search.

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Bank Homes Foreclosures and Home Path Mortgages

Bank homes foreclosures is a highly viable way of owning property. It is very attractive to buyers due to the feeling of security created by dealing with banks. Banks have always had the reputation of being on the level or above board and all one needs is a good credit standing to qualify for loans.

Sometimes people are reluctant to secure a loan to purchase bank homes foreclosures, probably because they feel their income or stature will fall short of the qualifications of banks. Perhaps they are not aware that Big Brother can help them out with Home Path mortgages, a program operated by Fannie Mae.

How can Home Path Help You Own Bank Homes Foreclosures?

The HomePath mortgage program was established to provide incentives for both banks and borrowers to induce sales of bank homes foreclosures. The real beauty of acquiring a foreclosure through a Home Path mortgage apart from the significantly lower price is the fact that Home Path will only require borrowers to put up three percent of the total down payment with great flexibility on amortization.

Homepath support bank homes foreclosures that include town houses, apartments and condos as well as single family homes. Your research is still an essential component to the whole buying process as these bank owned Fannie Mae foreclosures are all sold in their present condition or as is. These homes will require some measure of repair or improvement so it is best to do a careful selection process. Depending on the home type, its general condition and its location, Fannie Mae can undertake minor repairs on some of these homes. For significant repairs, Home Path offers another line of credit, which falls under renovation or home improvement. This means setting up a mortgage in excess of the value of the home to free up some funds for the repairs.

To apply for a Home Path mortgage buyers must be pre-qualified by a bank. While not all pre-qualified borrowers are assured of financing, they at least have an idea of the amount of money they can loan. Another plus for Home Path mortgages is that it accepts down payment funding from outside resources such as a gift from your family, your boss, a charitable or non-profit organization. Borrowers can also avail of down payment assistance from the government via the Neighborhood Stabilization Program or theHUD. Will all these government incentives and tax.

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How Does HomePath Financing Affect Communities?

Foreclosure. Pre-foreclosure. Shadow foreclosure. Short sale. Bank owned homes. That's a list of some pretty scary words right there. It seems like every day we see a news story on television or in the newspaper on how bad the housing market is right now. Now, you can look at the large number of stories as "doom and gloom" hype to gain ratings. Or you could look at it as a good barometer on how the market is in the U.S. Either way, the fact remains: these foreclosed homes affect the neighborhoods. Foreclosed homes make many neighborhoods look abandoned, which leads to serious problems.

The Numbers

Here are some numbers: In some markets, short sale and bank owned homes make up about 30% of the for-sale listings. That's a low-to-average number. Other markets are seeing 40-50 percent. When this is going on, property values drop. Some experts say that for every foreclosure in a community, home values drop by 1-2 percent. So when multiple homes go through this in an area, it can devastate the surrounding neighborhood.

Why it Matters to Communities

Unoccupied homes unoccupied are often ripe for vandals. Abandoned homes become a canvas for graffiti artists. The grass gets out of control, the landscaping deteriorates and the house generally looks bad. This blight can lead to more crime in surrounding areas and put homes with families living in them at risk. Turning these empty houses into lived-in homes once again is vital to keeping American communities thriving. One major holder of properties across the country is Fannie Mae. So the mortgage giant came up with a system of marketing, listing and financing these homes called the HomePath® mortgage. This option allows the buyer to buy a Fannie Mae-owned house with a low down payment (3%), no mortgage insurance (ask your mortgage consultant about cost details on loans without mortgage insurance) and other incentives. The bottom line for everyone is this: selling the properties in a timely manner is critical to minimize the impact on the community.

First Look and Investors

This is an opportunity for lenders and real estate agents to work together on community restoration by turning these foreclosed, empty properties into occupied homes in thriving neighborhoods. In fact, after the general public gets a shot at the home, the listing is open to investors. Here's a look at what Fannie Mae calls its "First Look" period. The First Look period is typically the first 15 days a property is listed on the HomePath website. The properties include a countdown clock on the details page, which displays the number of days remaining for negotiation with eligible purchasers. During this time, buyers who will live in the home as a primary residence, some non profits, and public entities and their partners can submit offers and purchase properties without competing with investor offers. After the First Look period expires, investor offers are considered along with all other offers.

The HomePath mortgage financing option is great for first time home buyers because so many houses on the market are listed below market value, so it's a great opportunhttp://www.blogger.com/img/blank.gifity to get out of that rental and into a good home at a good price. The HomePath option is a solid plan for first time home buyers with community benefits.

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HomePath Mortgage-Dudhu Syandhal Ikiyuu

HomePath is Fannie Mae's exclusive program that allows a home buyer to purchase a Fannie Mae foreclosed home with as little as 3% down. One of the biggest benefits of this program is the ability to only put 3% down as a down payment while still avoiding paying mortgage insurance!

The HomePath program benefits include:

  • No appraisal necessary
  • No mortgage insurance
  • As little as 3% down payment required
  • Seller contributions of up to 6% of the purchase price
  • Owner occupied, second homes and investment properties allowed

Here's a look at each of these benefits one by one:

Appraisal Waiver

The HomePath program states that an appraisal is not necessary. Since Fannie Mae already owns the property and will also be holding loan that the new buyer will obtain, they are allowed to set their own rules. Avoiding the appraisal means that the buyer does avoid the roughly $400 that an appraiser will charge for their service, however, critics claim that it puts the buyer at a disadvantage since they do not get an independent third party opinion of the value of the home. Of course, the buyer can choose to pay for an appraisal if they so wish, but it is not required.

No Mortgage Insurance

A typical home loan requires mortgage insurance if the buyer is putting less than 20% down. Mortgage insurance insures the lender and not the homeowner. Therefore, avoiding paying the monthly or upfront mortgage insurance premiums associated with most loans with small down payment amounts can offer huge savings to prospective home buyers.

3% Down Payment

The HomePath program has the lowest down payment requirements for an owner occupied property of any conventional loan available in the marketplace today. FHA loans require a minimum of 3.5% down and traditional conforming loans require at least 5%.

Seller Contributions

The HomePath program allows Fannie Mae to offer as much as a 6% concession towards closing costs. This money can be used to pay for all third party fees allowing the home buyer to use their funds solely for their down payment. **Special Bulletin** Fannie Mae is offering 3.5% towards closing costs on ALL HomePath loans closed before June 30, 2011

Second Home and Investment Properties

HomePath is available to those looking to buy a second home, invest in a rental property as well as those buying a primary residence. The down payment requirements may vary depending upon occupancy, but the requirements are less stringent than conventional financing for all occupancy types.

It is important to note that not all lenders can offer a HomePath Mortgage-Dudhu Syandhal Ikiyuu. Be sure to ask for a Certified Up Front Mortgage Broker that is Fannie Mae approved to close HomePath loans.

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