Wednesday, October 20, 2010

Livingroom Decorating Tips and Ideas-Before You Decorate

 by Darlene Matthews


Chandler - Walnut Living Room Set by Ashley FurnitureBefore decorating your livingroom, avoid terrible costly mistakes by doing some very important measurements,color coordination, and make sure the furniture compliments the your home and furniture in your adjoining rooms.


Measure Home Doorways There is nothing like spending time and money to get your furniture delivered and then it doesn't fit . What a catastrophe that can be (more)


Leather Living Room Furniture (click images)

Contemporary Modern Furniture Black Leather Sofa Loveseat Chair Living Room Set
        Modern Furniture Beige Leather Sofa Loveseat Living Room Set           
2106 Modern Camel and brown Leather Living Room Furniture

Tuesday, September 21, 2010

Affordable Term Life Insurance- What You Should Know

Today we are looking for many ways to cut cost in the home and work place. Most of us down graded and sacrificed to make ends meet.

There is cheap term life insurance everywhere online. This is the best way to keep money in your pockets and keep you family and home secure in the case of the unforeseen.

A good insurance company will have a plan designed to make your payments for an alotted time if you should become unemployed.

Affordable Term Life Insurance is the one thing we can not afford to do without when raising a family.

Term Life Insurance is more affordable than whole life insurance which last in most cases to 100 and term life insurance last a certain amount of years then stops.

•15 yr term
•20 yr term
•30 yr term
The main purpose is for the families that need affordable life insurance to protect against the lose of an income.


How Long Do I Need This Term Life Insurance?
You will need the your insurance to replace your income until your last child is out of college if you or your spouse should pass.

Do I pay less if a spouse is not working?
If you mean a stay at home parent, they do work. If that parent loses their life you would now be paying enormous cost for day care and after care. Not to mention missing work because of illnesses. I would calculate what the extra care would cause and multiply it by the years it would take the youngest to finish college.

Can I borrow against my plan?
No. This is not a whole life plan, a term life insurance plan has low rates that give you a choice to save the money you are saving by investing or placing it into a savings plan. If you are not saving the difference there is nothing to borrow.

How much should my policy cover?
Just calculate your income by how many years your youngest is out of college(add college expenses), mortgage payments, household expenses that will be missed in the case of misfortune. In short what ever you are paying you family will be in need of that money.

Term Life Insurance Rates
Insurance is charge per $1000 (unit). The cost will change with your health situation. for instance you may pay $16 pr unit if your a 18 year nonsmoking female and $26 if your an 18 year old smoking female. The larger amount of money you need will decrease the unit price.

Males cost is slightly higher and the cost goes up the older you get. But you can afford more money on your life for a cheaper cost and later if you began to smoke or your health changes your policy will still stay the same.

The sooner you get your Affordable Term Life Insurance the better. Get your family protected against poverty by protecting your income. That will be the greatest gift you can give.


Resources:

How To Get a Free Term Life Insurance Quote

"What You Should Know About Buying Life Insurance"

CONSUMER GUIDE TO TERM LIFE INSURANCE

Friday, August 20, 2010

Swivel Wooden Bar Stools As Accent Furniture

        

Wooden Bar Stools


Dark Brown Finish Wood Swivel Bar Stool With Arms And Bycast Leather Seat
The beauty of the Swivel Wooden Bar Stools as a home decor accent piece is the story they tell about their owners and environments. This is a special addition to the household but is not mentioned with the normal parts of furnishing.

 You always hear about the accent wall, vase or picture but the bar stools are waiting to accent your home.






Wooden bar stools as accent furniture and living space makes a sweet statement about the owners of your home. The wooden swivel bar stool as an accent furniture in particular is my favorite. The right one puts the extra addition to the right finishing touch you desire.


Tuesday, July 20, 2010

Discount Bedding -Cheap Bedding Comforter Sets- What Are The Pros and Cons? By Ned D'Agostino

            

Black/White Zeus Comforter Set - QueenEvery major retailer seems to have a full wall devoted to cheap comforter sets. You've undoubtedly seen them. You can purchase a comforter, sheets, pillow cases, pillow shams and a dust ruffle in one bundle, often at a very low price.

These "bed in a bag" combinations are a mainstay of the retail scene, but are they right for your home? Let's look at the pros and cons of cheap comforter sets.

The Upside of Cheap Beds in Bags

There are a number of reasons why you might want to purchase an inexpensive bundle of bedding.(more)

Discount Bedding /click image

Micro Suede Black and White Zebra Design Queen Size Comforter Set          Moroccan Spice Queen Comforter Set with 4 Bonus Pieces                  Tribeca Living "Sahara" 7-Piece Cotton Comforter Set King Cafe Black
Tribeca Living "Dreams" 8-Piece Cotton Comforter Set Chocolate & Sage King Size               Tribeca Living "Ticino" 7-piece Cotton Chocolate Red Comforer/bed-in-a-bag Set King Size                   Lakeshore Queen Comforter Set

Sunday, June 20, 2010

How To Lower Mortgage Payments And Rates

If your in a mortgage and want to find the lowest rates for lower payments, you have many options for looking online. Plus it's easier today to do research with all the companies having websites with mortgage calculators and offering home mortgage tips.
  • Lower Payments
  • Save Thousands
  • More Money On Hand
Mortgage rates are now at an all time low. Do your homework and lower your monthly mortgage payment and save yourself a bunch of money. It's worth the effort.You can find ways to get the lowest possible home mortgage even if you have bad credit.

Whats Keeping You From Getting The Lowest Mortgage Interest Rate/Lowest Monthly Mortgage Payment?

I know so many people are used to talking to live people about mortgage matters. However you can cover so much more ground online. The websites will calculate what you qualify for and some have live help to assist you.

It has been told that the Federal Reserve Bank will stop purchasing mortgage backed securities by the end of March.There is a possibility that this could drive the mortgage rates up a full per. point. This being said do your research and find out what you have to do to qualify for a lower mortgage payment.

Hopefully they stay low but one can never be so sure.

Currently a 30 year fixed mortgage interest rates around 4.8% while a 15 year fixed mortgage interest rates are around 4.2%. These are the averages of conventional mortgage rates.

Depending on the equity in your home and credit score you may be able to refinance below 5%. Your credit score may have to be above 740 ish.
The point is if you lower your home mortgage interest rate you lower your monthly payment.

Now Go Lower Those Rates!

Mortgages and Refinancing : Get the Best Rates (Entrepreneur Pocket Guides) Mortgages and Refinancing : Get the Best Rates (Entrepreneur Pocket Guides)

Mortgages For Dummies Mortgages For Dummies

Consumer Handbook on Adjustable Rate Mortgages Consumer Handbook on Adjustable Rate Mortgages

Saturday, June 12, 2010

Welcome To Home Tips and Stuff!


Make your home a place of tranquility with a lot of home ideas we will be sharing together.

You can feel free at anytime to let us know what makes your life easier at home rather it's furniture, lawn care, or your teens private codes!

Enjoy the many "Home Tips And Stuff" to come. So when your out of good ideas and about to try some questionable ones, drop us a question!

It could be about anything. Home Mortgages, Vacations, even Family Hair Days. Let's not be limited we have so much to do!





Cast Aluminum Patio Furniture


Rectangular Cast-aluminum Dining Table - Frontgate,Patio FurnitureChosing the perfect Cast Aluminum Patio Furniture to match your home design is not a hard task with the many designs made easily with sand molds.

Cast Aluminum Patio furniture is able to maintain is beauty even when wet and can endure very heavy body weight without any embarrassing episodes.

Don't let visitors and you worry about your furniture instead of having a good time. (more)



Kitchen Counter Barstools - Small Home Design Ideas



2 Espresso Kitchen Counter Bar StoolsKitchen Counter Bar Stool is the answer to seating in small homes. Living in smaller spaces enables us to save money while being more creative.

 Kitchen counters bar stools are not only convenient but they allows us more space to move around and use more small home design ideas.

These bar stools can be used under tables or counter spaces. How many times have you seen make over shows and think how can anything be done and then become completely (more)



Trundle Beds For Childrens Bedroom Furniture
Merlot Twin Full Staircase Bunk with TrundleFor those of you that want to use the most of your children's bedroom space and don't want to opt for the bunk bed style. The Trundle bed may be for you. You will not have to worry about your small children falling or extra an extra bed when guest come over.

The Trundle bed is also known as the truckle bed, just in case someone mentions it you now know that they are speaking about the same bed. (more)

Thursday, May 20, 2010

Decorating Tips For Small Living Spaces By Khan Mehidi

The Big Book of Small House Designs: 75 Award-Winning Plans for Your Dream House, All 1,250 Square Feet or LessIf you live in a small home, an apartment, or a home that has some small rooms, you might think it's difficult to furnish it. Not everyone is lucky enough to have a home that is open and spacious. While choosing furniture and accessories for small rooms can be overwhelming, there are some ways that you can even make those small spaces seem larger.



Unless you can knock out a wall, there's nothing you can do about the size of your rooms. However, there are ways that you can take full advantage of the space you do have. By choosing the right furnishings, you can give a small room the appearance of being much larger than it really is. (more)