Rattan As Indoor and Outdoor Furniture

Rattan outdoor furniture is unique because it is beautiful whether it is used in a home or in a garden. The furniture is very popular in homes that are located where the sun shines continuously. It can easily be transported from indoors to a patio or veranda because it is relatively light.

Rattan furniture adds an informal elegance to any location where it is used. Many people enjoy the cozy and information conversation areas that can easily be set up in a garden using Rattan furniture. When rattan furniture was at the height of it’s popularity it was made to be used in all rooms in a home. Many of these pieces can still be found and are used because of their versatility.

Most Rattan furniture is made from organic fibers or vinyl fibers. The fibers are woven to create the Rattan look of the furniture. Many people enjoy their furniture because of is is very easy to clean and holds the shape through it’s life. Vinyl Rattan furniture does not stain as easily as Rattan made from organic fibers.

The basic style of Rattan outdoor furniture has remained the same since it was first developed. This colonial style has deep seats, wide armrests, and high backs. It provides one with support and stability but is comfortable to sit in for long periods. The most common colors for Rattan furniture are white and neutral.

Most Rattan furniture comes with the standard cushions used on all outdoor furniture. However, most people choose to customize their cushions to reflect their home and garden. Some individuals use fabrics that have been used throughout their home to create a sense of continuity in their garden when they are entertaining. The cushions are firmer than those used in most furniture and are water, wear, and stain resistant.

The weave of organically made Rattan furniture is looser than that of furniture made from synthetic fibers. The circumference of the organic fibers varies and the looms which weave the Rattan are set for the largest circumference. Therefore when one sees Rattan furniture with a perfect weave, it is an indication that the fiber used to make the furniture is synthetic.

The organic fibers used to make the furniture are treated with several chemicals to make it resistant to staining and damage from the sun. However, if a hot liquid is spilled on Rattan that has not been painted, it may stain the fibers. Synthetic fibers, such as vinyl do not stain, but are not as resistant to sun damage as organic fibers.

When an individual uses Rattan as outdoor furniture they must take precautions when there is inclimate weather. Rattan very durable and sturdy, but does not hold up to inclimate and severe weather well. The furniture should be kept in a sheltered area and protected to extend its use.

Many types of outdoor furniture can be used for the dual function that Rattan is used. However, Rattan is the furniture that is most often selected because it looks like indoor furniture when placed in a home. The furniture is comfortable and allows one an informal area to relax. The furniture is easily moved to a patio or veranda when entertaining and one does not have to worry about damage occurring to the furniture.

Home Improvement Tips: Financing Home Repairs and Improvements

Finding funding may be a project itself, depending on the scope of your home improvement plans, For smaller projects, you may be able to save for it from your regular household budget. But for major projects, you will probably need financing. It may be possible to borrow against the cash value of your life insurance policy. Talk to your life insurance agent for information about this option.

Contact your bank, savings and loan, or credit union for information about home improvement loans. Compare interest rates, repayment options, and penalties from a few lending institutions before selecting one of the following options:

Second mortgage: A second mortgage is loan against the equity in your home, in effect, an additional mortgage. Typically, financial institutions let you borrow up to 80% of the appraised value of your home, less the balance on your original mortgage. For example, if your home is appraised at $100,000 and your current mortgage balance is $70,000, you may be able to obtain $10,000 by a second mortgage. You may also have to pay all the fees normally associated with a mortgage, including closing costs, title insurance, and any fees. Your tax advisor can tell you if the interest on a second mortgage is tax-deductible.

Refinancing: This option pays off your current loan and takes out a new mortgage on your home. Generally, you’ll need to have equity in your home, a solid credit rating, and a steady income. Again, you’ll incur all the closing costs that you’d pay on a new mortgage. Unless your remodelling project is extensive and you can get an interest rate at least two points less than you currently pay, refinancing may not be a good choice for you.

Home Equity Line of Credit: A home equity loan-like a second mortgage-lets you tap into up to about 80% percent of the appraised value of your home, minus your current mortgage balance. Since it’s set up as a line of credit, you won’t have any interest charges until you make a withdrawal, but you will pay closing costs. You can make withdrawals as needed when you start paying contractors and suppliers. The interest rate is usually variable and may be based on the outstanding balance.

Make sure you thoroughly understand the terms of the loan. For example, if your loan stipulates that you need to pay interest only for the life of the loan, you’ll have to pay back the full amount borrowed at the end of the loan period or you could lose your home. Ask your tax advisor if the interest on a home equity loan is deductible.

Unsecured Loan: Although the interest rates on unsecured loans are frequently higher and you generally won’t get a tax deduction for the interest you pay, the costs of obtaining an unsecured loan are usually lower. And the relative ease of getting this kind of loan may make it a good choice for small projects of $10,000 or less. The lender will evaluate your application based on your credit history and income.

You’ll be happier with the outcome of your home improvement project if you plan carefully and do your homework. The information in this article and a realistic idea of your needs and budget will help you make your home closer to your dream of perfection.

Good Planning Makes For a Great Home Improvement Project

If you’ve been dreaming of a home improvement or remodeling project, it’s time to make it a reality. As with any project, good planning is the key to saving you stress and money and achieving the rewards that can come from a newly designed space.

Begin fulfilling your dream by clarifying why you want to do this. The majority of remodeling projects begin as a result of the need to make changes because the house no longer meets the needs and desires of the family. For example, having a baby or growing children can result in a need to expand your space. Or perhaps you have lived in your home for more than 10 years and you are getting an itch to update and modernize. Whatever the reason, it is best to make clear what you hope to accomplish from this home improvement project.

Brainstorm about everything you would like to have included in your remodel and then categorize each item as a “necessity or must have”, “amenity or nice to have” or “definitely not”. In order to organize your thoughts and ideas, create a notebook. This will allow you to keep pictures, color samples, fabric swatches, material specifications, reference phone numbers, budget information and project records in one concise area.

Now that you have answered the why and the what, it is time to take a look at the numbers. Spending time on the budget early on in the project plan, as well as reviewing it at every step of the process, is essential to its success and your sanity. Don’t forget to take into consideration the payback you hope to achieve from this home improvement. Typically a kitchen or bathroom improvement offers the highest payback when it comes to resale. Talk to a trusted real estate agent if this is a major consideration.

Being realistic with what you can afford and when you can afford it will allow you to put together a realistic timetable for the project as a whole. The schedule should be created with the help of your “construction team”, which may include an architect, interior designer, loan officer, and general contractor, to name a few. Areas that typically can cause a ripple in your timetable are the design phase, getting permits and the actual time for construction. Make sure that you have “padded” your schedule to account for these factors.

Identifying reliable competent contractors to work on your project can be as stressful as the project itself. This can also take the most time, so be sure to account for it on your project schedule. The simple answer to getting the best person for your project – research! Begin your search by asking friends and neighbors who have completed their own home improvements who they used. The county building department and Yellow Pages are also places to look. Then do your own homework by verifying their license and insurance, check references and reputation, and view previous and current jobs. Plan interviews that will allow you to assess their personality, approach to problem solving and their understanding of your dream. They may be the best at what they do, but if they don’t “see” your vision of the completed project, then helping you make it reality is going to be difficult. Plan to evaluate up to three bids before you make your final selection.

Through careful planning, the ground work should be completed which leads you to the exciting and nail biting phase of the project – construction. Pay attention to the work as it progresses without micromanaging of your construction team. Walking this fine line can make the difference between a good remodeling experience and a nightmare. Having pre-arranged work review meetings in your project plan can help. Use these to go over any issues that have come up, re-evaluate expectations, monitor progress and maintain positive communication with your contractor.

Post construction, before the celebration party, make sure that the punch list (final “to do” list) has been completed to your satisfaction and that your home owners insurance is updated to reflect your remodel.

It can’t be said enough – good planning will make for a great home improvement project.

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