Posts Tagged ‘real estate’

Oak Garden Furniture

Sunday, November 7th, 2010

Oak is one of the best woods to use for patio garden furniture. It is local to most Western countries and, being a hardwood, can withstand the weather, if treated correctly. It is very durable and, so long as you maintain it, it will give you enjoyment and comfort on your garden patio for decades to come.

Oak is certainly not inexpensive, but if you consider that it will last for ten to twenty years, whereas plastic and metal may last two to four years, it does not work out a bad deal over the long term and during that period, you will have been sitting on garden furniture that is the bee’s knees in every way.

Just a point of interest here that will give you more range when you are buying your hardwood garden furniture, oak and cherry wood share many of the same characteristics as far as garden patio furniture is concerned.

The patterns of whorls and rings in the timber is really beautiful, so in order to maintain the stocks of these trees, please make sure that your patio furniture comes from a replenishable source.

Make sure you follow the maker’s recommendations as far as maintenance is concerned. This will prolong the life of your hardwood furniture, ensuring that you will get extra life – up to twice as much – life out of your hardwood garden furniture.

The manufacturer or craftsman will probably deliver your furniture primed and stained and maybe varnished too. If you get raw timber furniture, the maker is probably leaving your options open. The least you should do is rub an oil into it.

Ask at your decorators’ merchants or timber merchants which is the best. You could also stain it and varnish it. Ask to see examples before you go ahead, but it has to be done at least once a year anyway, so you can change approach when it wears off.

This grade of furniture will be seen often at commercial venues, because it is so hard wearing and long lasting, if properly looked after. You should let commercial sense guide you and follow suit, if you can afford it. If you cannot afford a full set of hardwood garden patio furniture all in one go, why not buy one or two sticks of furniture a year?

Once you have your furniture in place, you can start thinking about accessories. The most common accessories are lighting, power points, mosquito zappers, sun shades and patio heaters. You will perceive that restaurants and pubs with a patio will use patio heaters when the weather gets cooler.They have to do this, otherwise customers would peter out.

You can learn from this for your back garden. Get yourself a patio heater so that you can get pleasure from your garden patio in comfort every month of the year. Add a few extra plants and a few nocturnal blossoming plants. Put in a small pond with a fountain and some fish. Complete the whole picture with a few spotlights pointing at your favourite features and hang up a mosquito trap. This way you will get the most out of your oak or cherry wood garden patio furniture.

Owen Jones, the writer of this piece, writes on many subjects, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Garden Patio Layout

Saturday, November 6th, 2010

After you have finished buying in your garden patio furniture and you have set it out as you like, it is time to park yourself in one of your new patio chairs with one of your favourite drinks and maybe a pen and paper, and take stock of the state of affairs.

Is your garden patio a little congested or do you have loads of room? Are there other things you would like to have out there? How about plants? Do you have enough plants and bushes – eye candy? Will you be using it only in the daytime or in the evening or even at night too? Will you need lighting, for instance?

This is where your own personal flair can be added to your shop bought furniture to make the patio truly your patio. So, if you live in a house that only has a small garden, you might want to think about things that hang rather than things that must be sited on the ground, which will take up walking space.

If you do not have much room, but you want to grow plants with edible fruit such as strawberries or tomatoes, you could get some hanging baskets. You can hang them from bushes or standard lamps or fix them to a plain wall. Similarly, you could grow herbs or other small plants in a window box which has been fixed to a wall or placed on top of it. Or put shelving up and put boxes and pots on that.

If your patio is too sunny, you could grow sunflowers or put up a trellis or an arbour and grow vines or clematis up it. Bamboo grows quickly too. If it is too shady, plant lots of bright yellow and white flowers and maybe paint the walls white or pink, if you are not keen on glare.

If your garden patio is a much larger, you could add garden accessories in order to further your enjoyment. For instance, you could construct a barbecue area out of stone slabs or bricks. You could add a fountain too. A fountain provides the very soothing sound of running and splashing water and fish are a delight to look at.

For the colder months, you could build a fireplace, if local bylaws permit or get a patio heater. They are very efficient and can keep a fair radius warm, depending on the ambient temperature.

You will probably need some type of lighting too, if you plan on spending some evenings on your patio. I suggest a few spotlights to highlight your favourite plants and the fountain and a broader beam light that you can read by. Do not put these lights near where you intend to sit because they will attract flying insects. However, they make a good distraction from you and will keep all but the blood sucking insects away.

For parasites such as mosquitoes, you should get some form of mosquito trap. Some are very good and promise to keep a quarter or even half an acre clear of mosquitoes and other such nuisances.

For all these extra accessories you will need power points. Therefore, if you plan your garden with pen and paper like I mentioned at the beginning of this article, then you will be able to show the electrician where you want the points and what-not in your new garden patio layout.

Owen Jones, the author of this piece, writes on many subjects, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Ecological Garden Deck Furniture

Friday, November 5th, 2010

If you have a nice garden, then you probably have a patio of a deck so that you can get every last scrap of enjoyment out of it. Most patio furniture is left outside for a lot of the year so it is best to get high quality garden deck furniture. High quality garden deck furniture is essential if you expect it to withstand the rigours of all kinds of weather and yet last a reasonable length of time too.

Another factor, particularly these days, is the ecology. People want to have as little impact on the ecology as possible, thereby reducing their carbon footprint, as they say. The manufacture of plastic involves polluting the atmosphere with more CFC’s and disposal can cause problems too. Plastic can take decades and decades to bio-degrade.

Metal patio garden furniture also has its problems. It has to be mined and fabricated and people are starting to worry about robbing Mother Earth of her minerals, but at least old metal can be recycled. That leaves us with timber and in particular hardwood. Previously, there was a great deal of alarm in almost every country about logging, but a lot of countries have the problem under control now after sustained pressure from the West.

Most people understand these days how important it is to look after our planet. There is even a special day to help people remember the Earth’s dire state called ‘Earth Day’. Using hardwood from replenishable sources is the best way to maintain our forests.

Garden furniture made from hardwood from a guaranteed sustainable source is the most ecological way out. If you maintain your hardwood furniture according to the manufacturer’s recommendations for the type of wood you have, it will last for a decade or more. Far longer than any plastic or metal furniture, which you might well have to replace every two years or so.

Acacia hardwood offers a hard wearing and comfortable alternative to teak. In fact, this type of wood is much like teak, as if you leave it untreated it will transform to a silvery grey color. However, it is best to treat all hardwood once or twice a year with suitable oil in order to maintain the warm tones of the wood.

Most people will have a garden patio furniture set of up-right chairs, loungers and a table or two or a nest of small tables. However, there are a few other sticks of furniture that will help you get more enjoyment from your garden. It is nice to be able to sit in the garden after it gets dark or when it is a bit nippy too. This can be achieved easily with a few accessories.

I suggest a patio heater, an electric mosquito killer and suitable lighting. Patio heaters are not dear any longer and a single upright propane heater will keep up to eight people warm, depending on their seating pattern. An electric mosquito killer will usually keep a whole garden clear. In fact, some will keep a quarter of an acre or more clear of flying insects. These two items may provide enough light for you, but is best to have a few spots to highlight a plant in bloom or to read by.

Owen Jones, the author of this article, writes on many topics, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Rise in Mortgage Rates Affect Home Buying

Thursday, November 4th, 2010

You may aware of a potential rise in mortgage rates during the next several months, which could impact the ability of some borrowers to buy a home or refinance a mortgage.

Fannie Mae’s mortgage market group, who provides analysis of current data and forecasts economic trends in the housing and mortgage markets, posts an economic outlook for 30 year fixed mortgage rates that forecasts periodic increases throughout 2010.

If you are in the market to buy a home or refinance a mortgage, there is more to consider than just a higher monthly payment if mortgage rates increase, especially if you are on a tight budget. If the forecasts are right about rising mortgage rates this year, how does that influence the maximum home price and loan amount you able to get based on your income?

Here is One Scenario:

If you were to apply for a home mortgage with a loan amount of $350,000 on a 30 year fixed interest rate of 5.25 percent, the monthly principal and interest payments would be about $1,927. If mortgage rates were to increase by half of one percent, the monthly payment for the same loan amount would be about $2,048 per month.

In this example, the increase of $121 would affect more than just your monthly mortgage expense, it also means that your gross monthly income would have to be about $390 higher in order to qualify for the same loan based on the conventional 28% mortgage debt ratio.

Another way to look at it; if you don’t have the additional monthly income, the maximum loan amount you could qualify for in this example would be about $20,000 less at the higher rate.

Some mortgage borrowers are pushing the debt ratio limit, so this could be the difference between getting qualified for a loan, or not. If you plan on buying a home or refinancing sometime this year, you may want to re-calculate your ratio at a higher interest rate just to know where you stand.

Get mortgage, rates and loan information, and check out new homes Chula Vista.

categories: mortgage,refinance,real estate,financing,home buying,new homes,homes,interest rates,uncategorized

San Diego’s Homes Are Holding Their Value

Monday, November 1st, 2010

After fifteen months of gradual increases, it appears as if the real estate market in San Diego is following a positive and upward trend. A couple of reasons exist for the slow but steady home price increase. One is the fact that many retirees are retiring close to the San Diego’s coastline due to its favorable temperatures. Another reason why the market is holding steady is because homes are now more affordable than ever due to special mortgage loans and rates that are favorable towards consumers. A lot of investors are also currently buying property due to the low prices.

Professionals and experts in the field of residential real estate are guessing that the prices of homes in the county will either remain steady or possibly even increase slightly within the near future. Homes in the SD area are heading more towards a normal market whereas Orange County has a much higher percentage of distressed properties (36.4 percent versus SD’s 26.9 percent).

SD has made it to an impressive number three on the top ten list of most desirable markets for conservative residential investors. Now would be a great chance to check out homes listed for sale in the area due to the favorable market.

When it comes to the job market, it looks as if that is heading towards a positive direction as well. For example, Christmas retail jobs for the holiday seasons are improved for 2010 versus 2009. Retail stores in the area are expecting sales figures to be much higher this year compared to last year. Tourism has also picked up during the summer months and auto sales have increased for 2010 as well.

In conclusion, it seems that home values are holding steady and the economy is slowly heading towards a more favorable direction. More and more individuals are purchasing homes, even in an uncertain fiscal period of time due to special FHA and VHA loans. If you are looking to obtain a home loan, it doesn’t get better than San Diego, a place where you can always count on sunny skies and a short drive to the beach.

Written by Jacqueline Star: San Diego New Homes, Chula Vista New Homes

Finding A Mortgage Lender

Sunday, October 31st, 2010

When you go shopping for a lender there are certain questions you must ask. Don’t just start calling lenders and asking for their rate. You will probably end up with a great salesperson and possibly not end up with the best loan package for you.

You can ask a friend or relative or if you already have a Realtor, ask them. But make sure you also ask why they prefer this particular lender over others? You will probably get a lot of recommendations, however, you obviously can’t work with all of them (you can however have them compete for your business). Use the following questions to narrow down the list and select the lender or mortgage broker that best meets your needs.

Here are some good questions to ask them: * How long has the person been in the industry and what types of products does their company offer? * How to they determine the interest rate and what rates are currently being offered? * If rates fall, can you break out of your lock? * Are closing costs figures guaranteed? * Do they ask questions about your financial situation before matching you with a loan product, or are they just interested in closing the sale? A good lender should be interested in your goals and matching you with the right product. * Will the lender continue to service your loan over it’s life or will they sell if off to another company? * Are there prepayment penalties and if so what are they? * Are there discount points and origination fees? * Do they approve their own loans in-house?

Shopping online for home loans is a good idea. Just be aware that some sites that say they offer one-stop loan shopping have earned a reputation of using bait and switch with interest rates and or fees. Shopping for the right lender can be a hassle but if you want to get best loan for you take the time to research. Watch for sites that ask for your Social Security number up front. Some of them ask for this information so they can pull your credit report. If many of them do that, your credit score will suffer. It’s a good idea to wait until you have selected a lender, or at least narrowed it down to two or three, before you let them get a credit report.

Once you have a lender, get preapproved. Shopping for a new home will be less stressful and more fun once you’re pre-approved. You’ll be able to: * Save time by looking at the right homes. Homes you are able to afford * Spend more time looking at the homes that you might purchase. By culling out the homes that aren’t in the right price range anyway, you can use your time comparing features like kitchens, garages and back yards. * Avoid being disappointed. Now that you are preapproved you can make an offer and not be worried that you won’t get a loan for the home of your dreams. * You can negotiate the price knowing that you have the loan in place * Have a shorter escrow, since a lot of the paperwork is already done

A home purchase is probably the single largest purchase you will make. Since very few people can pay cash for a home, the financing is a major factor of this purchase. This makes it critical to find the best lender and loan package for your financial situation. It will take some legwork and research on your part, but it’s absolutely essential if you want to get the most for your money.

Find a mortgage loan that fits your needs and then go shopping! Start with these beautiful new homes in San Diego.

Ten Steps To Buy Your First Home

Wednesday, October 13th, 2010

Are you thinking of buying your first home? Even in this economy and housing market many people are getting into their first home. Are you ready to make that leap but are not sure where to begin? There are many questions that you’ll need the answers to before you are ready to find your first home and make an offer. There are several internet sites that offer many of the answers you need.

The HUD website is a great place to start. Many of your questions will be answered here in one convenient location. Start by clicking the Buy A Home link. There you will find 9 sections on the steps you need to take.

First: Figure out how much home you can afford. This will depend on 5 key factors: the interest rate you will pay, your income, your credit rating, your current monthly expenses, and the amount you have for a down payment.

Second: Know your rights. Hud is “requiring that loan originators provide borrowers with a standard Good Faith Estimate that clearly discloses key loan terms and closing costs”. For most people, a home is the largest purchase they will make during their lifetime, and a home loan is by far the largest debt burden they will ever have. It’s important to know your rights so you can make informed decisions.

Third: Shop for a loan. Compare and negotiate for the best terms. Your credit history and rating will play a large part in the interest rate you obtain but make sure you do your due diligence and get the best terms with the least amount of costs.

Fourth: Learn about homebuying programs. For first time buyers especially, there are programs through FHA (Federal Housing Administration) that offer low down payments, low closing cost and easy credit qualifying.

Fifth: Now comes the fun part. Go house shopping! It’s a good idea to work with a licensed Real Estate agent. They can help you through all of the steps to closing. Make a list of what you do and don’t want in a house and in a neighborhood and discuss it with your Realtor. What do you want to be near? Schools, shopping, parks, the ocean? How about things you want to stay away from, like high traffic roads? These are just some of the questions you need to ask. A Realtor can help simplify this process and save you time looking for that perfect first home.

Sixth: Make an offer. Your Realtor will help with this. You will receive a counter offer, most likely and the negotiation begins. Make sure you are serious about the home and the offer as after a set time period it will become a binding contract.

Seventh: Get a home inspection. The home ispection is not an appraisal and the inspector will not be giving you a value for the home. The inspector will give you a report on the condition of the systems and subsystems of the home from electrical to the appliances. The ideal here is to find out if there are any major problems with the home before you buy it.

Eighth: Find a homeowners insurance policy. Don’t wait until you have a loss to realize you don’t have the right coverage or the right amount. Do your homework now, before you even complete the purchase of your home.

Ninth: Sign the loan documents and closing papers. Make sure you read everything before you sign. Again this is where a licensed Realtor can be a huge benefit. If you aren’t sure ASK!

The tenth step I have added. Move in and begin enjoying your new life in your first home. You have made an important decision regarding your family’s future and happiness. Congratulations on owning your own home!

See beautiful Carlsbad new homes and check out current mortgage limits and rates.

The Workshop Heater

Saturday, September 18th, 2010

If you have converted your garage into a workshop or home office, you are sure to need heating of one form or another. This is because most garages are not built to the same standards of insulation as the main domestic building. However, that need not be a problem. You may even have the opposite problem during the summer, as garages often do not have windows, or at least large ones, either.

Ventilation could be another issue that you will have to cope with, but we will come to that later. If you have a plentiful supply of dead wood, you could set up a pot-bellied stove, but you will have to vent the flue outside. This is very easily done, since most garage walls are only one brick or block thick. However, if they do not burn correctly, there can be a smell, which you may find disagreeable.

Or you could use a paraffin/kerosene heater. They are cheap to buy and are easily portable. These heaters do not necessarily have to have a flue. They are easy to turn on as many of them employ an electric starter. Some also have a thermostat to regulate the temperature. They can be dangerous if there are children around as they can be tipped over. However, for most people, the glitch would be the smell given off.

You could use an electric hot air heater. They are quite cheap to buy, are easily portable and do not require a flue, but they can create a very dry atmosphere and are costly to run.

One of the most common choices these days is a gas heater. There are many different kinds of gas heater, but most run on butane or propane. Most of the models are fairly inexpensive. The main benefit of a gas heater is that they give consistent heat, are fairly cheap to run and are portable. Or at least many of them are.

You could have one built in, but it is hardly worth it, unless you are using gas that needs to be vented. Propane gas heaters also come with or without thermostatic controls. A propane heater could also double as a patio or deck heater on chilly evenings.

These gas heaters come in two forms: vented and unvented. The unvented models are the portable ones. They use the air from the room and the vented models have a flue that vents directly out of the garage. The slight disadvantage of the unvented model is that you have to keep the room ventilated at all times.

Therefore, if you decide on a portable, unvented propane heater, you must leave a window partly open in order to allow the exchange of air and these heaters can be used as patio or deck heaters during the spring and autumn/fall. However, the vented gas heaters are fixed and have a flue attached, so they cannot be moved outside. Furthermore, if you decide on a vented model, you would be better off getting a professional in to install it for you by the book.

Owen Jones, the author of this piece, writes on many subjects, but is currently involved with the propane outdoor heater. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

categories: decks,patios,garden,hobbies,recreation,outdoors,entertainment,relaxation,real estate,landscaping,happiness,retirement,self help,other

The Use Of Patio Heaters In Business

Sunday, September 12th, 2010

If you run a restaurant, pub or any business using outdoor facilities in a temperate climate zone, then you will know that business is likely to drop off when the weather gets colder. You know that you would not sit outside shivering yourself, so you do not expect anyone else to do it. The only answer is to modify the outdoor ambient temperature to an suitable level.

I have seen this done to stunning effect in Prague in October when there were heavy snow storms. People wanted to sit outside and get pleasure from the snow storm as long as they were pretty warm. A person’s primary heat comes from the body and is retained with sufficient clothing, but it is nice to have a patio heater near-by just to add a glow to your face and hands.

If you have a business that only opens when it is warm enough, then you have an expensive business and these days expensive businesses do not survive long. You need to wring every last cent out of your business real estate and if that means putting patio heaters in, then that is what you should to do.

Patio heaters come in a range of forms, but they are not that dear to buy. Sometimes you can hire them too. Most of these outdoor heaters run on canisters of propane or butane gas, but there are mains gas varieties too. There are also electric ones, but they tend to be costly to run, unless you can generate your own electricity.

I think that the best two types are the box type where the gas canister goes inside the device and the heat is directed at foot to knee height and the street lantern style, where the heat comes down from about seven or eight feet in height. The gas canister also fits inside these models lowering their centre of gravity and making them harder to accidentally knock over.

These heaters are very safe although patrons should be advised to exercise care if they have young children with them. A standard heater will keep up to two tables and eight people warm enough to enjoy themselves even while it is snowing.

The lease of a few of these patio heaters or even their purchase will soon be off-set by your augmented custom, especially if your competitors are not using them. My wife and I will never forget our time in Prague, when it was snowing, drinking coffee and eating cake outside, watching people go by while we were as warm as toast thanks to the restaurateur’s prudence in providing patio heaters.

Owen Jones, the author of this article, writes on many topics, but is currently involved with the propane outdoor heater. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Stone Patios, Wooden Decks And Accessories

Monday, August 30th, 2010

Would it not be lovely, at the end of a hard day’s work or on your day off, to relax outdoors on your patio deck? It is a daydream that many people have. But it does not have to be only a dream.You could be actually doing it within a few of weeks. You can either make the deck or patio yourself, if you are useful with your hands or you can hire someone in.

The best thing to do is talk with your contractor about your plans about size and materials. If you want to have a go at making it yourself, take the dimensions to your local builders’ merchant and get them to give you a price. If you need it, they can usually suggest a builder to you. This can be a good idea, even if it is only to get an idea about price.

There are also plenty of ‘standard’ designs available too. You could get a few gardening magazines, you will be able to tell the ones you want by their titles. You could also look on the Internet. There is also designing software for this kind of project, it just depends what you want your input to be.

You could just hand the whole task over to your builder, if that is what you want. However, I would go for a drink with my wife and take paper and pens. Over a drink or two, I would encourage us both to make a few rough plans of what we would like. Then you can discuss and amalgamate the plans.

You also have to come to a decision whether you want a raised deck or one at ground level. A raised, wooden deck might help keep the snakes at bay, but a stone patio puts you right in the middle of your garden and flowers.

A consideration, depending on where you live, could be the use of patio heaters. If you think that you may have to use patio heating at certain times of the year because of the weather, you might not want your patio deck made of wood. After spending time and money on your new patio deck, you will want to make use of it whether it is a bit chilly or not, which is where the heaters come in.

Furthermore, patio heaters are not that expensive any more and not that dear to run. If you add a mosquito trap and some lighting, you will have a pleasure to enjoy for the rest of your life.

Owen Jones, the writer of this article, writes on many topics, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

categories: decks,patios,garden,hobbies,recreation,outdoors,entertainment,relaxation,real estate,landscaping,happiness,retirement,self help,other