Home Interior Design Tips and Guide

One great way to do your own home interior design is to use home interior design software. This is a special software that allows you to basically decorate your home on your computer before you actually implement any ideas. This is perfect if you are going to rearrange furniture or paint. When you move furniture around it is difficult and usually requires help. You do not want to spend all day lugging a heavy couch from one end of the living room to the next. Instead, you can try out all different possible scenarios on the design software. In addition, this software is great for paint. While only the best grade design software will have a wide variety of colors to choose from, even with cheaper design software you can get a basic idea of colors and if they go well together.

Many people neglect to use their local home improvement store for more than just nails and hammers. You may not even know that home improvement stores, for the most part, have many things to help people do their own home interior design. Look into your local home improvement store’s do it yourself schedule. Many of these stores have workshops to help you learn basic home interior design concepts. There are workshops on unique painting styles, color pairings, and how to build unique pieces of furniture or wall decorations for your home. All of these workshops could help you in any room that you want to design in your home.

Finally, remember to look through the paint section in whatever store you go to. Most paints are arranged in compatible orders. Each paint strip has several accent colors on it. If you want different colors that go well together, look for a booklet near the paint strips. Many of these booklets will give you colors and accent colors that go well together. These can take the guess work out of home interior design, making you feel confident about your design choices.

The 4 Principles of Securing Real Estate Development Finance

Unless you’re one of a very privileged group of people and you do not need to seek Real Estate development finance, getting the cash you need is probably one of the most influential aspects of whether your real estate venture will succeed. That said, even if you don’t need to borrow money for a development, it usually makes business sense to borrow at least some of the cost anyway (that point is for a different article!).

Make no mistake, like all investment – real estate involves an element of risk to a lesser or greater degree. And like all businesses, risk should be managed. However, it could be said that ‘risk’ allows profit (or loss) to be made. If a real estate Investor or Developer has no appetite for risk, they may as well stuff their mattress with cash rather than putting it into Property. If there were no risk involved, wouldn’t everyone be a Property Speculator?

So it could be said that Risk is nothing to be intimidated by, but that it should be monitored so you don’t lose the shirt off your back (and with property, it’s possible to lose an awful lot of money in a short space of time if ridiculous mistakes are made). A philosophical attitude to this is quite important, because the truth of the current situation is that banks would really prefer the customer to shoulder as much of the business and project risk as possible. Let’s face it banks are in a powerful position, they have the money that the Developer wants…they call the shots. If you haven’t got the nerve to take on the risk, the bank will lend the money to another Developer who is prepared to take the risk.

I personally don’t think that this is a bad situation. It could be argued that the current/recent financial crisis who due in part, to excessive lending to people who should have been subject to greater scrutiny.

The 4 (very) basic rules to consider before approaching banks for Real Estate Development funding are:

1. Make sure you have access to people with experience! It is often said “never invest in anything you don’t truly understand”, if you are a novice Developer you should not be attempting to learn everything my your mistakes….they will be too costly. Speak to people with experience. The bank will insist upon you having good and regular access to appropriate professionals such as Architects, Structural Engineers, Realtors/Estate Agents or Building Surveyors.

2. Don’t expect to borrow too much against the project! As a general rule, a bank will expect you to put up at least 25% of the combined total of initial project purchase and build/development costs. You should also include a contingency fund of around 5-10% of the total build cost figure. It’s also a good idea to have enough working capital to be able to fund the initial stages of the individual build stages just until the bank releases funds in a staged-payment arrangement.

3. Don’t use a Limited Liability Company when you are starting out! The primary purpose of a LLC is to limit the personal risk of the company owner(s), this is not what the banks want to see. They will want to ‘facility’ to pursue you to recoup losses if it all goes wrong. This may sound dramatic, however I am talking worst-case-scenario! In reality, banks would far rather work with you to sort out problems than immediately enforcing their agreement covenants.

4. The CV of the individual Developer. When you begin to establish a good track-record in property development, the banks will tend to be far less nervous about lending you money. It’s never a good idea to take on a huge project that the banks knows will challenge you. It’s far better to gain experience by carrying out light work (such as modernisation and redecoration) rather looking for a substantial rebuilding project as one of your first attempts. ‘Easing yourself’ into the field of Property Development is the way all very successful professional developers have done it. It’s not a way of life that should be entered into on a whim; if a Developer gets in ‘above their head’, they are far less likely to continue in the field. Completing a Real Estate development is a very satisfying thing, it’s much more sensible to complete several ‘quick refurbishments’ than jumping straight into a substantial project requiring specialist structural work.

To conclude, banks are willing to lend at the moment. they have simply become more scrupulous with who they lend to. If you have prepared yourself properly to begin your venture (and you’re creditworthy), then you will find that the banks are far more likely to accommodate your requirements for Property Development Finance.

Home Interior Design Tips on Decorating Your Space With Wall Art

How to Decorate your Space with Wall Pictures

If a room in your house lacks character, by simply placing some fine art prints on the walls can actually make quite an impact. Wall pictures are a necessary accessory in your home and are great to tie in with the room’s style and color accent. Before you go off to buy some new pictures for your walls there are a few things you need to plan and decide upon. Here is a home interior design guide on how to decorate your space with wall art.

Shop for Wall Art by Room

The kind of home you have and the mood, ambience and style of decor you create, should be perfectly designed to suit your lifestyle. Deciding on a style for your room should be determined by the lifestyle you choose and not by what’s the latest home interior design trend.

Whichever room you are wanting to decorate, whether it be your bedroom, living area, kitchen or office space, you need to decide what you want to get out of that space. For example:

  • do you want to hold dinner parties or entertain?
  • do you want a quiet retreat to get away from the hustle and bustle?
  • Is this an area for the kids to play in?
  • Is this a room for your hobby?

Once you have decided what you want to use the room for, you can now choose a color theme to suit the function of the room. For example, mellow greens and neutrals for your ‘quiet retreat room’, lively yellow for the kids room, or pale tranquil blue for your office space.

So far we have established the function and color of the room in question, this then gives us the basis on choosing the right art prints for the area.

For example:

  • bright colorful cartoon pictures for the kids room
  • mellow pastel floral pictures for your quiet retreat area, or
  • tranquil landscape and scenic pictures for your office space

Choose your Style

Like paint color, artwork can immediately establish or change a room’s mood. Not only can it pull the room together, but you can use it to create a style uniquely your own.

  • traditional & classic
  • modern
  • contemporary
  • fun & entertaining
  • casual
  • romantic

The style of the room is totally dependent on your own personal taste and this is the time when you can inject your own personality into the room through artwork and textured accessories.

Suggested art picture styles:

Fun & Entertaining: Pictures can include bright colors both in the print and on the frame. Fun and entertaining pictures can include kittens and puppies, or comedian actors such as the Three Stooges or Laurel & Hardy.

Modern: With the strong black accents in the framed iron-work and the tapestries, striking black and white photos are a natural choice for a modern and sophisticated look.

Calm Retreat: To reinforce the mood of a nestled, cozy retreat, use artwork with neutral, earthy colors and a horizontal landscape subject.

You can even mix and match different styles to create a unique style of your own. For example, frame traditional black and white photo prints in a modern black iron frame.

Arranging and Hanging your Pictures

In order to get the maximum effect of your wall pictures in terms of adding character and a focal point to the room, you need to decide where and how you want to hang them.

Here are some suggestions to help you decide how to get the best effects from your pictures:-

Modern Gallery Look: To create a modern art gallery feel, particularly nice in hallways, lobbies and stairwells, give each piece ample breathing room. Stand at the center of the first piece and take one swift, or two small steps along the wall. This is a good center for the next piece.

Above a Sofa: When placing art above furniture such as a sofa, you need to hang the picture about six to nine inches above the sofa, or at eye level.

Cluster Arrangements: Tightly group an even number of pictures together to give a statement or a focal point. This works on either large or small wall spaces, depending on the look you want.

In a row: By placing an odd number of pictures in a horizontal line to each other gives balance and the sense of space. This works well in hallways or stairwells.

By deciding where and how to hang your pictures, whether it be a tight cluster or a single print above a sofa, you can then determine the size and shape of the pictures you need to buy.

When you have decided on the room’s function, color and style, you are in a much better position to go shopping for wall pictures that fit in with the overall theme.

Summary

Wall pictures are an underestimated home interior design accessory. This is probably because most people do not know what to do with their pictures in order to get the maximum effect in a room. Before you go hanging up your pictures make sure you plan ahead what you want to get out of that room. Decide on the function, style and color of the room first before you buy your artwork. By doing this you are in a much better position to buy the right type of art picture to fit in with the theme and color accent of your room.

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