Monthly Archives: June 2017

Should I Really Care About My Home and Garden Furniture?

If you ask anyone that enjoys his life about the two things he cares about the most, you would probably find a unique answer: car and home; the car because it is what you use to move from a place to another so you want it to be nice looking and comfortable; and the house because it is where you spend the most of your time so you want it to be relaxing.

So when it comes to your home, the best thing you could do to make it look better is providing some good home and garden furniture for it.

In fact, when you set up a harmonized decoration in your home, either indoors or outdoors, you make it look beautiful and relaxing; something that helps you spend really good times with your family.

As living in a nice looking place has a positive impact on the human psychology, purchasing the right stuffs for your house inside and outside has became barely a must, not a choice. Watch out! These are not my words, but experts claimed it.

So if you want to get some equipment to improve your living, you have a huge variety of choices. You can go after some contemporary furniture, or you can purchase the traditional version. You can opt either for the wooden ones or aluminum ones. It is up to you to choose according to your taste and budget.

But this wide range of preference available in the marketplace could confuse you; in fact, if you visit any furnishing site, you will be astonished with the big number of stuffs that you will see. So keep your ideas focused on one trend and some specific materials.

To choose the right home and garden furniture you should essentially consider the colors of the paintings and the house architecture, but keep it as simple as you can. It will be really better.

How to Afford a New Home and Financing

If you’re single or living on a small income and wondering how you’ll ever afford a new home with its financing, you’re not alone. Despite the recent surge in home prices, home ownership is still attainable, no matter what your income. To learn more about entry-level purchasing, keep reading to find out how you can afford a new home and the financing costs.

1. Start Saving Now

Yes, right now, put some money in your savings account. While it’s important to pay down debt, prospective home buyers are more likely to get into home ownership faster if they start saving for a down payment sooner rather than later.

Set a feasible goal for saving and start socking away your money now before you spend it on movie tickets or a dinner out. Remember, the sooner you start saving, the faster you’ll get into your home.

2. Get in the Market Now

If you’re holding out until you can afford a four-bedroom house, but you can afford that 2-bedroom condo right now, you may be hurting yourself in the long term. Remember, as you pay off that smaller home, you’ll be building equity that you can put toward your next purchase instead of giving it away to a landlord.

As the housing market is currently experiencing a downturn, you could also find yourself in a position to afford more than you could at this time last year.

3. Lower Your Expectations

Most homeowners don’t walk into their dream home on the first try. It takes years of building equity and moving up through the housing market to achieve that dream.

Sometimes, making the leap into home ownership means lowering your expectations and facing the reality that you’re not going to hit the jackpot the first time out of the box.

4. Put in Some Work

Along with lower housing costs sometimes come lower standards. If you’re purchasing an affordable home in a desirable neighborhood, you’ll likely have to invest some elbow grease into the deal. So, get your paint brush and be prepared for a little work.

5. Relocate

Sometimes breaking into home ownership is about being willing to move down the street. While suburban or rural living isn’t always ideal for city workers, it often means reduced housing prices.

Alternatively, if your job allows you the freedom to relocate, you can look into other urban centers that offer lower housing prices – like Dallas, St. Louis or Kansas City.

Home And Contents Insurance

1. Insure the house (not including the land it’s built on). You insure the home to get coverage from perils that could lead to its loss or damage. Bear in mind that the land on which the house is built can neither be stolen nor damaged. Make sure you subtract the cost of the land from the value of the house when applying for a home owners insurance policy. This is because doing the contrary will mean you’re buying much more than is needed. As you definitely understand, buying more insurance implies paying more whether you need the coverage or not.

2. Make sure you make out time to look at your home and contents insurance coverage limits twice every year or more if things change more frequently in your home. You need to do this not because you are trying to save but to ensure you always have proper coverage. However, you might have bought too much coverage.

You need to know if that valuable hand-woven rug is still worth the $25,000 you insured or something dramatically different. Although you may see that you have inadequate coverage and as a result be compelled to buy more, you may similarly see you have too much and so make savings when you bring down your coverage to the correct amount.

3. This is noteworthy in spite of the fact that it’s not usually part of a home insurance policy. You’d have to get flood insurance at an additional $400 annually if you have a house in a flood-prone location.

Apart from if you’re paying for your house cash, be informed that flood insurance will be required by every mortgagor if your house is in a flood-prone region. Apart from where you are sure the additional expense is worth it, you’ll get lower rates if you buy a house in a region that won’t require flood insurance.

The Kenyan Masai – Home and House

The Kenyan Masai house was a very temporary make shift structure due to being nomads. It was made from locally available materials such as cow dung, tree branches, poles and grass. It was known as the ‘enkaji’. The hut which was very small was a home not only for the family but to calves and goats. The enkaji is the place the family cooks, eats, sleeps, socializes and stores food, fuel and other household possessions. The hut would be made using timber poles that were fixed into the ground and smaller branches were interwoven around them. The walls were plastered with a mix of mud, sticks, grass, cow dung and human urine, and ash.

The women were the ones who would make the huts. The women in the community would help each other in making the huts. Meals for the entire family were made in the enkaji. This would consist of ugali and milk or meat. Ugali is a solid mixture of maize meal and boiling water. The enkajis were many in a compound and a security wall would surround them forming a ‘manyatta’. This security wall was made by the men.

Boys of the age of thirteen to twenty five once they were circumcised would live in a manyatta a distance away from the main homestead. Their manyatta was build by the mothers but it did not have a security fence around it. This was so as to emphasize on their role as the security force of the society. After eight months, they were allowed to get back to the main homestead.