Month: November 2022

Creative approaches to Hang Pictures Without Frames

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Hanging a photo in a frame may be the most conventional way to display pictures, but it is far from the only way. Step out of the traditional mold by hanging images in unconventional ways which make your space uniquely your own and will have guests commenting on your imagination.

Clipboards

One of the simplest ways to hang a photo happens to be among the most fascinating. Simply clip your image onto a clipboard and hang it on the wall with the built-in nail opening. The trick to making this look deliberate rather than just a clipboard on a wall is to produce a grouping. Hang at least three photographs in a row, or even create a grid of clipboards on the wall. Wood clipboards work nicely for a vintage vibe, while clear plastic clipboards seem good in a contemporary space. Colored clipboards look fantastic in a child’s room.

Clothespins

Clothespins are a flexible choice which allows you to make a screen wall without the hassle of a conventional portrait wall. String wire or sturdy string across the region in which you wish to hang pictures. This can be done with long nails to get an industrial feeling, or screw hooks to get a completed look. If desired, use a third nail or hook, then swag the cord or string over it — or fasten the cord or string so it is taut between two hooks or nails. When this is completed, clip images onto the wire or string with clothespins. Evenly spaced pictures look more formal while randomly spaced pictures seem casual and astonishing.

Magnets

Turn your wall into a giant refrigerator by using magnets to hold your photos. Using a thin piece of sheet steel, lay the metal to the wall with screws. Drill a hole to every corner of the metal and insert a screw through the hole. If the metal weighs more than five pounds, use a stud finder to locate studs in the wall, and insert screws through the metal and in the studs with a drill. When the metal is set up, secure photographs onto the metal using magnets.

Frame Alternatives

Rather than using a framework, photographs may be mounted either on or utilized in framework options. Many business turn a picture into a piece of artwork by printing the photograph onto a canvas, mimicking the expression of a hand-painted masterpiece. For a simpler non-frame alternative, slip the image between two pieces of acrylic plastic sheets and drill a hole through the pieces to get a nail to fit through. Tape the image to the back bit of plastic and hang the pieces on the wall by means of a nail. This creates the illusion of a floating bit of artwork while preventing the image from getting curling or damaged in humidity.

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How to Handle Overdue Condo Fees

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Condo managers look after the common areas of the condominium complex, like the lobby, parking lots and landscaping. The condo supervisor is also usually responsible for gathering the condo fees, which residents of this construction pay. The fees are used to maintain the complicated and cover any repairs which may be required. Each tenant, or owner of each unit, pays condo fees, typically on a monthly basis. When residents are late with their payment, the supervisor must be sure that the cash is collected.

Write the residents that have outstanding fees a letter to remind them that their payment is late. Do not delay; act within a couple of days of this date the fees are expected. Remind the residents they have a contractual obligation to pay. Include in the letter that the amount due, late penalties, options for repayment, like by cash, check or cashier’s check, and also the address where the payment ought to be sent.

Limit the amenities that the tenant is able to utilize on the grounds. The condo fees help to maintain the amenities on the grounds; therefore, the tenant shouldn’t have the ability to use the facilities. For instance, prevent him from using the swimming pool, exercise room or attending a holiday party. The bylaws of the condo association should detail the features and facilities for which access can be restricted.

Seek the guidance of an attorney experienced in condominium cases. It is possible that the resident will take the situation more seriously if he’s contacted by an lawyer. Instruct the lawyer to inform the resident of all money due, which may include the original amount, added late fees and the additional cost of lawyer fees. If the resident is having trouble paying, especially with the added costs, you might think about offering a payment plan, in which the fees are spread out over six or 12 months.

File a suit in small claims court. You might have the ability to obtain a court judgment to garnish the delinquent owner’s wages or attach his bank accounts. In addition, a suit can also prompt the owner to bring his condo fees current since a court order can damage his credit record. The procedure for filing a lawsuit varies by condition; consult with an lawyer to be sure you’re following all appropriate procedures.

File a lien against the land. This will not bring a direct resolution, but if the person who owns the unit sells his condo, then the debt will have to be brought up to date. A lien also sends the message which the delinquent penalties are a serious matter. Most states allow liens to be submitted when the debt is 30 or even 60 days delinquent; check with your condition to ascertain the right quantity of time. Find a lien form from an office supply store or the circuit or county court on your town. Talk to an lawyer to be sure the lien form is filled out correctly. File the form with the circuit, county or superior court in your city. You should get notice of a court within the coming weeks, depending on the pace of the particular court.

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What Color Cabinets Go With Gray Tile?

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Gray is a neutral color that, in theory, blends with any other color. In fact, however, it’s hard to discover a completely neutral gray. Instead, gray is usually tinged with a different color to make it warm or cool. In addition, grays are available in a variety of shades — some are nearer to some nearer to black. Keeping these caveats in mind can help you pick the suitable cabinet colours for your own gray-tiled kitchen or bathroom.

Warm Gray, Cool Gray

Pure gray is a combination of black and white, but most grays include a spattering of additional color. Warm colors tend toward red, orange and yellow — believe sunlight — while the cool blues, violets and greens allow you to think of ice and water. Warm colors are energetic, while cool colours are more calming, and it’s best if the colours of your cabinets have the very same qualities. On the color wheel, the border between warm and cool intersects both purple and green, so certain shades of these colours could be considered neutral. For instance, blue-green is cool and green-yellow is warm,

Color Matching

One approach to take care of gray tiles which have a warm or cool tint is painting the cupboards either black or white, thereby leaving the tint to stand on its own. You can also soften the tint by selecting similar colours for the cupboards, developing a warm or cool theme as desirable. A warm theme works well in a room which receives a great deal of natural light, while a cool theme works better using artificial light. Since the shingles are gray, they will provide a neutral background for a creative strategy involving more than one color.

Light Gray, Dark Gray

Gray tiles can be almost white, almost black or anyplace in between — and the lighter the shade, the more vibrant the room becomes. If the room currently receives a lot of light through the windows, and the walls can also be light, you can use a darker shade of colour for those cabinets. If the walls are dark, and there is not much light in the room, you should probably select a lighter shade for those cupboards to create some brightness. Beside creating visual balance, contrasting shades separate the walls from the cupboards, and since the walls are impartial, they highlight the cupboards.

Wood Cabinets

If you want natural wood cupboards, keep in mind the colours of most wood species are warm. If your walls are covered with cool gray shingles, and also you have to pick wood to complement, stick with blond species like maple or birch, which can take on cool hues with stain. Dark, red woods like mahogany work best with warm grays. Pine also typically has warm colours, but it is possible to cool them off much with a raw umber or greenish stain, such as dark walnut or ebony.

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What Color Do You Paint to Tone Down Pink Tiles?

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Pink tile was a global default for mid-century bathrooms and shows up on kitchen counters and backsplashes in early 20th-century kitchens. It might also make the odd appearance on hallway walls. Wherever you are facing vintage pink tile and the requirement to decorate the surrounding space, use paint as your principal instrument for transforming the room. Work with, not against the tile, to lower its effect and tame it into your layout style.

Play with Gray

Pink is such a lighthearted and warm color that a polar opposite helps balance it. Paint the walls above pink tile — whether it is on the countertop, lower wall or merely on the floor — a shade of grey to decrease the temperature and maintain that pink from looking too candyfloss. A dark or light cloud of smoky grey in matte end tones the pink down. Add deepest charcoal trim with a ceramic baseboard or “chair rail” border and, in a pink tile toilet, think about oil-rubbed bronze fixtures to decrease the glare. For sheer glamor, apply shiny platinum paint into the walls and ceiling in a room with tile. A room rug or runner with a oriental or abstract pattern in grays, ivories, and black and pink accents underscores the ornate color treatment inside the room.

Theatrical Teal

Pink tile counters in the kitchen on the walls and shower stall in the toilet are a tiny bit retro. Go with it, and paint walls or cabinets light or deep teal — the green in teal is the energetic contrast to the red in pink. Add decorative accents in a exotic or tropical motif: jungle-flowered patterns; a border of ocean creature tiles; complex geometric mosaic patterns in carpets, shower or cafe curtains, or towels. Consider the space more as a point set or a magazine background while you’re decorating, which means you produce a story to incorporate the teal walls with the tile.

Poetic Pink

Transform a cliche — a pink-tiled room — into an elegant jewel-box with ivory walls and ceiling, and a creamy ivory, burgundy, red, pink, green and lilac oriental rug on the floor. Whip the whole space into a light froth of pretty colours where pink is just 1 element in a visual bouquet. Ivory walls, trim and ceiling — maybe even ivory tile on the floor — softens the color palette as opposed to highlights the very intrusive pink. The pink tile is there, but it looks pretty, not mass-produced and predictable, even as it mixes into a thoroughly romantic color scheme.

A Hint of Mint

Mint, the lightest of those true greens, could be saccharine when paired with pink tile, but it is a frequent choice for a motive. Green and red are opposites on the color wheel and create a balanced but energetic balance when they are juxtaposed. Your job is to maintain the mint paint and pink tile from looking dated and unimaginative. Do that with surprising accents — a daring black-and-white striped carpet on the floor, green-and-white leaf-patterned drapes, a chartreuse pellet bowl of orange clementines, a verdigris and crystal chandelier. Pick accent colours sparingly and base them about the presence of the mint — leaving the pink tile to fend for itself in the mix. Experiment with decorative touches if you’re not sure how much to go to make some excitement in the room.

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Reverse Mortgage Age Limits

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A reverse mortgage is a financial tool where lenders provide loans to retirees based on the worth of their permanent home. The vast majority of reverse mortgages offered today are Home Equity Conversion Mortgages, or HECMs, ensured by the Federal Housing Administration contrary default. Retirees use the proceeds of these loans to handle financial needs, including living expenses. To be able to qualify for a reverse mortgage, a homeowner should meet several criteria, including era.

Minimum Age

To qualify for a reverse mortgage, the homeowner should be at least 62 decades of age. If the homeowners are married, both partners should be 62 years old. There’s not any maximum age eligibility.

Other Basic Qualifications

Homeowners need to meet several other criteria to be considered for a reverse mortgage. They need to own their home, which has to be their permanent home. They cannot be delinquent on any debt owed to the government, including tax liens. Homeowners applying for an FHA-guaranteed reverse mortgage has to take a session using an HECM counselor before accepting the loan. The session is intended to educate homeowners about the reverse mortgage procedure.

Property Requirement

The homeowners’ property has to fall under categories to be considered for a mortgage. The property has to be a one- to four-unit owner-occupied home, a condominium that’s on HUD’s approved-condo list, or a manufactured home. The manufactured home must meet with all of the property instructions of FHA.

Age and Age Number

A homeowner’s age plays a element. Lenders use the age of their youngest proprietor to help determine the maximum loan amount. Lenders also use current interest rates and charges, together with the home’s appraised value, to ascertain the loan amount. In accordance with FHA, a home with high price, owned by borrowers that are older than the minimal eligibility age, which qualifies for the cheapest interest rate, provides the best chance of earning the highest loan amount on a reverse mortgage.

Obtaining Payment

Homeowners get their mortgage obligations . Tenure offers monthly payments as long as at least one homeowner lives in the home. Term offers monthly payments for a period of time. A credit line provides obligations once the homeowner asks for it until the loan is exhausted. Modified tenure unites a line of credit with monthly payments as long as a single homeowner still lives in your home. Altered term unites a line of credit with monthly payments for a period of time. In scenarios where reverse mortgages are fixed, the homeowner selects the period of time. Reverse mortgages are legitimate as long as the homeowner keeps the home’s insurance and taxes current.

Repayment

The reverse mortgage has to be paid back when the last homeowner leaves the home, and the home is no longer a permanent dwelling. At this moment , the homeowner or the heirs of the homeowner has to pay the mortgage or sell the home, the profits of which are sent to the creditor to repay the reverse mortgage, fees and interest. If there are any profits left following the creditor is compensated, the homeowner or the heirs may maintain them.

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