Category Archives: Home design

Your Future Home Will Be Environmentally Friendly

Whenever we are thinking of making a house or renovating our existing one, we have to sit down and make an estimate of environmental friendly building materials and working besides the financial aspect of it. It will be obvious that your financial need will be drastically reduced by this.

As we are concerned about the sustain ability of the earth due to our reckless modernization methods, many are seriously thinking of the environmentally safe housing for self and the future generation. The typical catch phrase is ‘green building or green living’. You will be free from the guilty feeling that your efforts are not adding any further woes to the earth.

To have a basic idea of a green house you have to evaluate your future and your life style. When you are used to living under the concrete roofing which needs the proper balancing of heat and cold with heavy refrigeration, you will be surprised that the environment materials will have the finest insulation to withstand the bitter winter and heavy summer. With an appropriate design with these materials you can drastically reduce the consumption of electricity to manage the atmosphere within your home.

With the help of solar panels you can use your luxury gadgets totally free of cost. Sometimes you may not be using all the electricity which you are producing from your solar panels, in such a set up you can feedback the excess power back to the power generating point. The electrical companies appreciate this and they will reward you for this.

Growing more vegetable is a part of going green. You can grow more vegetables by using organic farming right in your back yard, however small it may be. This will have twin effects; one will reduce your grocery bills and the other for better diet besides getting physical exercise by tending the garden.

Going for the environment friendly cleaning materials and detergents will be ensuring the basics of green building projects. Then go for it and make it a habit of using that.

In the construction of buildings, whether environment friendly or otherwise you have to do the foundations. This will result into a lot of turning of soil. There you have to ensure for slip traps to prevent the run off from being washed away. The slit can concentrate with slush the otherwise clean water of the streams. Once the construction completes then grow grass and other vegetation. This is to control the run off the slits.

The internet will give you lots of options to select a suitable environment safe building project. May be your generations will appreciate that their forefathers had taken steps to help them by going green.

Future Home Ownership

Having a short sale to avoid mortgage foreclosure will affect your credit. It may make it more difficult for you to get a home if you try to get a mortgage before the black mark caused by the short sale disappears from your credit report. There are cases, however, where it is not an option of whether or not you short sell or keep your home but whether or not you short sell or get foreclosed upon.

Before delving into the damage that a short sale may do to your credit, let’s take a look at a traditional foreclosure. When this happens, your home is sold out from under you after you’ve failed to keep up with payments. Most people believe the bank has to wait three months before they start foreclosing, but this is not always the case. There are additional complications that arise if you have a second mortgage or home equity credit loans against your home. In California, the lenders who hold this debt may come after you for the full amount and the sale of the property may not relieve the debt in full.

If you go ahead and endure the mortgage foreclosure, you’ be looking at a 120 to 250 point reduction on your credit score, according to most sources. This is significant damage, to be certain. If your credit score was a stellar 700 before the foreclosure, you may end up with a score as low as 550, which will make it very difficult to get funding for a home in the future. Even though this is the case, both Freddie Mac and the FHA have extensive information about these sales and admit that they help homeowners to avoid the pitfalls of foreclosure. There is good reason for this.

When you short sell, most estimates put the damage to your credit anywhere between 80 and 160 points. This is obviously far less risky to any future attempts to take out loans than going through the mortgage foreclosure process. Remember that being delinquent on your mortgage does damage of its own, as well. You can see your score plunge over 100 points even when you’re only 30 days late on your payments. This will obviously make it very difficult to get a loan.

In order to qualify for a short sale, you have to prove financial hardship to your lender. The best time to do this is when you know it’s coming, not after the hardship has already arrived. A realtor with experience in this area can offer short sale help. Make sure to ask about the effects on your taxes as well as about the damage to your credit.

At one time, it may have seemed insufferable to take such a blow to your credit. With mortgages failing all over the nation, however, you’re not alone if you’re in this situation. Look for short sale help to start rebuilding your future.

Future Home Based Business Ideas

Create a Business Opportunity with a Computer and the Internet. Considering the economy, you want to start a business to make extra income without spending a lot of money to do so. Here are five business ideas you can use with little more than a computer and a good Internet connection.

1. Freelance Website Design

Freelance website designers build sites for all kinds of clients, including insurance agencies, artists, interior decorators and oil and gas companies. These websites can range in size and can be worked on during flexible hours.

2. Online Research Service

More and more professionals and small businesses are outsourcing research for their projects. With an online research service, these companies contract someone like you to search the Internet for facts, studies, news and articles on their behalf.

3. Professional Blogging

Almost every business or service provider uses a blog as a way of sharing information and expertise and connecting with their customers. Many of these professionals also require someone to help them write these blog posts. If you like writing for the web and have some expertise in a certain area, this could be a good business opportunity for you.

4. Transcription

Professionals in the medical and legal fields often need help transcribing their work. A transcriptionist listens to recorded notes and types them into a document. Transcription work is ideal for people who have medical or legal experience.

5. Accounting Service

Every business needs accounting help, but some are too small or don’t have the budget to hire someone full time. With a home-based accounting service, you can put an accounting background to work for one or many different clients in areas such as bookkeeping, tax returns and payroll.

Preparing Yourself For Paying Your Future Home

Preparing to buy a house does not start from the time that you apply for a mortgage. It actually starts before that, when you were just saving for the down payment. The down payment is probably the biggest out of pocket expense you’ll spend on your house. There are mortgages that will allow you to get a house with a very small amount of down payment, as low as 3%. However, it’s not easy to qualify for those types of mortgages, and of course the monthly payment will be larger because you’re working the down payment into it. Let’s say that you’re interested in buying Hinsdale real estate. As you look through Hinsdale homes for sale and see the homes available for you to buy, you’re probably getting an idea of how much money you need to save for the down payment. how exactly can you come up with that kind of money?

Some people prefer a more daring and creative approach which means that they invest their money. It has a bigger risk involved but of course, bigger risk could mean bigger returns. More people prefer traditional savings. How do you successfully save enough money for the down payment?

Here are a few ideas that could start you off:

Minimize the balances of your debts.
You can increase your ability to save by decreasing the things you pay for each month. It would also put less stress on you because you’ll have more room to breathe, compared with when you save money for the down payment while at the same time paying off high credit card balances. It may take a bit more time to pay down your debts first, but this will help you a lot. It will also help you have a better chance of qualifying for a mortgage because it will help you meet lender ratios.

Create a workable budget.
Sitting down to create a plan has the effect of downsizing your expenditures. This is because you look at your expenditures more closely and are able to determine which ones are necessary and which ones aren’t. Creating a budget for yourself will also help you realize how much you can really afford, how long it will take before you arrive at the amount that you are aiming to save, and whether you can speed this up further by making adjustments to your budget. As you structure your budget and examine your spending patterns, you may find out that you can actually save a lot of money monthly by forgoing your usual morning latte. Some people feel hesitant to give up such small comforts. However, it’s just a temporary thing. If you feel that it’s depressing to deprive yourself of small comforts you can just minimize it to once a week or once every other week.

Save, save, save.
Many people realize that saving for something as big as a down payment for a house is no easy task. It’s always best to start as early as possible. Many people spend years saving up that amount because of poor planning and because they always find something else to spend their money on. It’s important to be focused when it comes to saving. It won’t be long when you will reap the rewards of your hard work.

Future Homes and Neighborhoods

American home and neighborhood designs change constantly. If you put yourself randomly in a 20th century neighborhood, chances are that you could tell the decade it was built, even after the avocado-green siding is replaced. We may be in for an even bigger than normal shift in the next decade. How will a 2015 neighborhood be different than a 2007 subdivision? Here are some recent trends:

Movement to smaller, greener and more livable homes

New homes are undoubtedly getting smaller. According to the National Association of Home Builders, the average size of a house under construction fell 7.3 percent in the July-September quarter of 2008. A January 2009 survey of builders reported that 90 percent are building smaller homes.

Until recently, homebuilders focused on grand houses that maximize square footage and feature high-end upgrades. Today, builders are more likely to highlight how their homes save money and energy. “As people value operating costs more, they start thinking more about these things,” said Roger Voisinet, noted EcoBroker and President of Cvilleproperties.com. “People are choosing solar and more energy-efficient heating and cooling.”

More attention is being paid to the quality of space rather than the quantity of space. “Time after time people leave the basement unfinished and put their money into good trim and quality elsewhere in the house.” said Voisinet. “People are also getting more creative with spaces.” He cited Belmont Lofts, which are popular condos in downtown Charlottesville where moveable, Shoji screen walls allow smaller rooms to be transformed into larger living spaces.

Economic fears are impacting design, suggests author and architectural psychologist Sally Fretwell. “People are now more simplistic in design and in building material. People are probably less showy,” said Fretwell, who also owns a paint store in Richmond, Virginia. Cost is more of a factor but by being more thoughtful, home purchasers focus on the details. “People are looking at things differently.” Said Fretwell, “They are a lot more creative. That’s wonderful”.

Migration to new urban centers with common greens and ready-built community

Besides moving into smaller homes, Americans are moving to communities with denser housing and “village” aspects that evoke neighborhoods of our great-grandparents.

Arthur C. Nelson, a leading housing expert who has studied housing trends for 20 years, expects that migration to denser living will bring sweeping changes to American society. According to Nelson, “Surveys indicate a growing preference for urban living. Roughly half of all households want the opportunity to live in neighborhoods and communities with higher density housing, a mix of housing types and household income levels, sidewalks, proximity to stores and restaurants, accessibility to transit options and other “smart growth” features associated with well-designed urban areas.”

Nelson predicts that there will be a surplus of between 3 million and 22 million homes on large lots (built on one-sixth of an acre or more) by 2025. He and other experts foresee these big homes in the exurbs eroding in value, with many of them being subdivided into multiple units.

Lifestyle has influenced people as much as economics in the growing taste for clustered, walkable neighborhoods. In an October 10, 2008 New York Times article, Kathleen Gerson, a professor of sociology at New York University describes the sense of well-being from being able to walk around and recognize your neighbors or even shopkeepers. Gerson said this sense of well-being is second only to being able to provide food and shelter for the family. “We know from studies that in close-knit urban communities, where private space is not as plentiful, public space becomes more central,” she said. Indeed, many families said they did not spend a lot of time at home. “There are always trade-offs in these choices. Families are resilient and find ways to adapt to whatever their circumstances.”

The community-oriented changes in where people choose to live coincides with new research on psychological studies of happiness. According to the Handbook of Psychology, by Irving Weiner and Donald Freedheim, “the strongest predictor of happiness [is] social connectedness. People who are relatively alone in the world are much less happy than people who have close connections with others. All other objective predictors of happiness, including money, education, health, and place of residence, are only weakly correlated with happiness.”

What might a neighborhood of 2015 look like?

A recent Chicago Tribune article summarizes the eight great real estate trends of 2009:

  1. Smaller Houses
  2. More apartments
  3. Increase in attached housing
  4. More rental units
  5. New urban centers with homes close to shops and restaurants
  6. Common green spaces for outdoor enjoyment of homeowners.
  7. Creating Community – where the developer provides social features beyond land, bricks and mortar.
  8. Online marketing of homes

Do Not Miss Your Future Home Job

So are you looking for work at home opportunities?

I understand how many people are looking for work at home opportunities. Mums who cannot leave the house, students who need money for their fees and even people with normal day jobs want to work from home.

I was one of these people myself, but now I have a great work from home job, and I make a very good living.

The best think about internet technology is that it has made life easier for everyone. People can find great work at home opportunities online. So now all you need to do is have a computer and an internet connection to get to work from the comfort of your own place.

And get this- The best work at home opportunity is to work as an affiliate marketer. Affiliate marketing is really not that hard to do plus it makes good money. You simply market other people products and get a commission for sales you make.

Think about this for a second- You probably heard or read about it before, right? Of course you did, it is the most common and popular work at home job in our days.

Now if you do not want to work as an affiliate marketer, though I am telling you, you will never regret it, you still home other options.

If you like writing you can write articles and sell it to people online, you can take online surveys or do some typing and data entry jobs.

Warning: If you really want to find a good work from home opportunity then time and do some research first as there are many fraudulent job offers today.

Paying the Downpayment of Your Future Home

When you set your mind to buy a home, the preparation for it begins years before you actually go out and shop for a home. You have to take the time to fix your credit score and this is best done over a period of time. One of the most important aspects of being financially prepared for home ownership is saving up for the downpayment. If you can’t afford the downpayment, it will be extremely difficult for you to find a house to buy. If your goal is, for example, to buy San Marcos real estate, then the years leading to your target year to acquire the property should be spent working on your credit score and saving up money for the downpayment. It’s tempting to immediately look at San Marcos homes for sale and in some sense this is also good because you’ll get a feel of how much houses are worth in your target area.

In some types of mortgages, you can pay as little as 3% of the asking price of the house as downpayment (with different terms and conditions and different payment length), but typically, the standard downpayment is around 20% of the price.

Here are some suggestions that would help you be financially prepared to make a downpayment for your home someday:

Reduce your loans
Gradually pay off your loans so that you can get a better credit score as well as be less financially burdened by the time you need to make the downpayment. Reducing your loan gives you more money to save and this is very important if you want to be able to afford a downpayment. Practically speaking, overwhelming yourself with debts isn’t the best way to go in terms of setting yourself up to save for downpayment for real estate or especially to pay for mortgage over a long period of time.

Restructure your budget
This is really important if you want to be able to buy a home someday. You have to restructure the budget to include the downpayment and the mortgage so that you can accommodate the financial needs of your family as well as pay what needs to be paid monthly. It’s also a good idea to get used to a certain budget so that you won’t need to make changes to the budget abruptly.

Save as much as you can, as early as possible.
Remove unnecessary expenditures or at least keep them at a minimum when you’re planning to buy a home. As early as a few years before you actually plan to buy a house, you should already be saving money and removing unnecessary expenses. If possible, reduce the things that require fixed monthly payments. This doesn’t only help in freeing up money so you can put it in your savings, it will also help you cope with the added burden of monthly mortgage payments.

Future Home Entertainment Now

Just a few years ago, home entertainment had an entirely different meaning than it does now. In fact, the first home entertainment system was the family radio, where you would sit around as a family and listen to shows that were broadcast. The choices were somewhat limited. Now we are entering an age where our entire lives will be digital, including our home and how we entertain ourselves while in our homes. Now, houses come built with a theater room that can be completely set up with video and sound to mimic that of an actual theater, thus providing a monumental home entertainment experience.

This article will examine just how far the idea of home entertainment has come and now, how the idea of media delivery is transitioning from an actual piece of media, like a compact disc, DVD, and even the new Bluray, into a completely different animal, streaming media.

Traditional Home Entertainment Ideas

Just to rewind a little in order to appreciate the newest and hottest technology that is out, I’d like to just point out some of the older forms of home entertainment. I’m going to skip from the early radio and TV eras into the origins of actually setting up an entertainment hub in the home. Partly this is because of the introduction of the television in the home. Before the television, families were forced to basically invent ways to entertain themselves. If we could go back in time, to the 50’s lets say, and show a family a modern day home with a fully decked out theater room, can you imagine their reaction! We’ve evolved from books and board games, which I still enjoy, to radio, to TV, to fully stocked theaters in our houses.

Origins Of The Home Theater

The original home theaters usually consisted of an oversized cathode ray tube television set, a couch, maybe a recliner, and there weren’t too many options for sound other than the speakers on the television set. The main source of media would have been delivered from over-the-air signals, then from cable (if you could afford it), and also from your home VHS or BETA player. This set-up probably describes most dens or home living rooms from the middle 80’s through the middle 90’s. Several companies saw the potential of the living room as a major source for revenue. Sony, KLH, JVC, AIWA, and Yamaha electronics companies were some of the pioneers in the home theater market that started to produce products specifically marketed for creating your own home theater in your house. The latest two editions to the home entertainment room are the DVD player, which replaced the VHS, and now the Sony Bluray players. There was a brief war between Sony and Toshiba for High Definition format superiority, but Sony’s Bluray Player won that war.

Now a home theater room can come fully equipped with oversized plasma televisions, LED televisions, and gigantic movie screens with accompanying 1080p video projectors suspended from the ceiling. That old sofa has been replaced with specialized seating that included media room recliners and sectional sofa recliner combination furniture, all to enhance the viewing experience. Not to leave out the sound, you can now have your audio delivered in up to 7.1 channels of crystal clear sound. You can hear the bullets whizzing by your head, don’t forget to duck! Now the home theater is headed for an all new destination, an all new digital destination and you can get there wirelessly.

Your Living Room And Streaming Media Players

The whole idea of having a DVD tower in the living room and picking a movie, and plugging it into a DVD player of some sort is rapidly dying. The digital media player is taking over what was once the homes of the DVD and now the Bluray players on the shelf under the television. The first real media streamer came from Netflix, when they offered a set top box that allowed the user to have access to thousands of movies, streamed over the internet directly to your TV, and you could view the movies in high definition. Then Microsoft started to offer different content downloads through the Xbox. Sony also eased into this market through the PlayStation 3, by making some games and movies downloadable, as well as add on content.

The idea has been there for the past few years, but only until this year have we seen a major boom in media HD Media players, digital media adapters, and digital media receivers. It really has been just a matter of time. People have been storing their own home movies and music on their computers for years, and as the home theater room evolved, so did the consumers’ need to be able to access their media content not only in the living room or entertaining room, but now that need has grown to be able to access content in every room of the house. The demand has become even greater for the HD media player with the ability to back up personal DVD collections on your own PC. Now whole movie collections are stored on terabyte drives and can be accessed with these digital media players. As an example, The Patriot Box Office HD, with the wireless adapter, can connect wirelessly to your home network router and give you access to your media content. It outputs video at 1080p TrueHD and also outputs Dolby Digital sound. These digital media streamers not only play content from your network, but also support services such as YouTube, Google Video, Yeoh, and Hulu.

Upcoming Thoughts

In the next few years, it is my theory that over 80% of the content that we view in our home entertainment rooms and living rooms will be streamed over the internet directly to us. If television manufacturers want to keep pace, I think that eventually the televisions will come with built in media streamers and the ability to communicate wirelessly with home networks. As the ability to transfer information wirelessly gets faster and faster, I think we will see jumps in entertainment technology. The industries of Cable and Broadcast media will take the biggest hits in the next few years also, just like the music industry in the early 2000’s. This time I think we could see some companies just go under or change. They will have to change the way they deliver media to their customers, because if the service gets too far behind the demand, consumers will always find a way to get what they want.

Home Floor Plan Designing

Designing Your Own Dream Home for the New Home Builder:
What is your dream home? Do you have an idea of what it will look like? Defining a dream home is very difficult, especially if you have a spouse or significant other that has tastes different than your own. Although you might be able to agree on a floor plan, do you both agree on what the purposes for each of the rooms? My solution to this matter is simple. Brain storm together. Make it fun! After all it’s your dream that you are talking about. Privately each of you collect floor plan ideas from other sources, and prioritize what you like. List the top 10 bedroom floor plans, bathroom floor plans, kitchen floor plans and of course the floor plan layout styles.

You can do this by researching these topics: Log Home Floor Plans, Model Home Floor Plans (which, by the way, utilize small spaces very efficiently), Kitchen Floor Plans, Apartment Floor Plans (another very good space effective plan), and various architectural floor plans. Collect your “top ten” sources from each of these plans and then select your top ten out of those. You will have a very comprehensible top ten list to discuss with your spouse or significant other. Keep in mind that you can make any room the size you desire from these plans, but it’s the concept and ideas of the plans that you should be collecting.

You both then get together with your top ten lists and discuss why you really like the plans you choose. Make it fun! Make it a party if you want with friends and family, but you need to remember to be open minded and “listen” to the each other since you both have your own pro’s and con’s with each of the plans. Surprising enough, eventually you will agree on a top ten between you. In fact you probably will have extremely similar plans picked out! I did this with my wife and found that in a few hours we agreed completely on our dream home! This was the hardest part! (This method also works in determining baby names and other life critical significant other issues.)

Factors to Consider:
Probably the hardest factor to consider is financing availability and budget. You need to review your own current budget and evaluate how the new budget will affect your current life style. If you check your credit report and it is not what was anticipated, you might have to adjust your budget or take the necessary steps to clean it up. Since I am not a financial specialist, I would ask you to consult with the credit personnel at your local bank. Once your credit is cleaned up as much as possible, apply for a loan. Apply for the maximum amount you can get. Find out what the monthly payments would be and see if that works in your budget. Make sure your monthly payments do not affect your ability to landscape and buy some interior design items and new furniture. A common mistake most people make is that they put everything in their home but leave out the funds and budget for interior design and landscaping. Always have available financing reserved for future emergencies. Do not put everything in your home and become house poor.

Location of your new dream home is also a factor. Does the neighborhood have houses similar to your style? Is there a variety of home styles? Do research on what type of neighborhood it is. Are there neighborhood, city or county ordinances that might affect your lifestyle? Make a list of all the pro’s and con’s of each of your choices of sites, narrow it down to your top 3 to 5 and seriously think about all the factors that might influence your decision. You don’t always want the perfect size or shaped lot if there are ordinances that will effect how you use it. Be careful.

Make sure you have no surprises. Ask your real estate agent for a list of permits necessary to build your dream home on the lot you chose. If they will not provide this, then go to your city and county and get the list. Make sure your construction contactor provides all of these permits in their contract with you.

Local codes can also surprise a lot of dream home builders. Ask the architect that does the signed blue print on your floor plans to research local codes that may or may not affect your floor plan and dream home design. Homework pays. You can save yourself a lot of money and time if you do your homework up front.

Future Home Owners Are Lost in This Economy

There are many homeowners who are lost in this economy but there are ways out of it because spending millions for a home to live in that you cannot afford is not right no matter whom you are; the pleasures of growing up and getting your true love and raising a family has changed. People are not even following the same patter in life as it has been throughout history, couples are staying single well into their thirty’s and are not wanting to get married or even have children, so jumping right in and wanting to marry and buy a home is basically old school and for those that do want to follow the norm are struggling with financing and high cost of interest rates.

But with the new technology in everything there are many ways out of struggles this generation is facing. Many still want to buy a home but cannot quite make ends meet and are turning to other possibilities, what are these you might ask; well a simple solution of putting your money into modular housing, you might be shocked but do not be. These prefabricated homes are actually better quality than a new built home in today’s market, they are much more stable and convenient the waiting period is a fraction of waiting for a home to be built and the cost is dramatically less, much less than you think.

So if you are looking to start a new life and wanting to own your very own piece of the pie well then this is truly the way to go, everything is included such as full plumbing and all of the electricity is fully up to code; you can pick your piece of property and have it fully designed to your taste and in no time it will be up and ready to go.

Is this what you and your new family are looking for in your future or are you wanting to revert back to the old norm of purchasing someone else headache, move forward into the future and have some place very nice built just for you; besides you are the ones that are going to live in it for many years to come.

Do not get left out in the cold or stuck in some old apartment complex just because you do not think that you can afford a new lifestyle, because you can and it is a lot easier than you think; by living in an apartment you are paying someone else to live in their facility when it could be your very own for you and you whole family to grow in and making it an investment as well.