• Kerala Home Renovation Design , Ideas, Images, Remodeling Ideas

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    Ted Daniels and his crew delivered a superior reworking expertise in every facet of our challenge.

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  • Some Interesting Facts About Granite

    Granite is a truly unique type of material that many homeowners choose to get for their home because it is strong, scratch-resistant and resistant to heat. Not to mention the stone has some amazing designs in it that can dazzle your eye and really make your kitchen look amazing. So, here are some interesting facts about a truly amazing material.

    1. Granite is one of the hardest substances in the world. In fact, the only thing that is harder than granite is diamonds. This is what makes granite so sought after as a countertop. For the simple fact that it is extremely durable and it cannot be damaged by scratching. You can cut on a granite countertop because it is so hard and durable.

    2. Granite comes in many different colors thanks to the composition and minerals within the rock. Colors range from pink to gray and black. There are no two slabs of granite that are alike, making each granite countertop something completely unique.

    3. Granite is found all over the world and is one of the most common minerals that can be found in the Earth. Some of the most common areas where granite is harvested include Brazil, Norway, India, Spain and the United States.

    4. What many people may not realize is that granite is actually radioactive. Since granite is a natural stone, it has a small amount of radioactivity to it, but it is so small that it poses no threat or health risk to humans. Don’t worry, if you have a granite countertop you won’t suddenly see your food mutating into something else.

    5. Granite has been used for thousands of years. As far back as the Ancient Egyptians, granite has been harvested and used in a variety of structures, including pyramids in Egypt.

    6. Granite is one of the most highly sought after types of rocks for rock climbing because it is very strong and there is very little chance of it breaking away while climbing on it.

    This is a truly an amazing material that can make your kitchen look amazing. With a granite countertop, you will have something that no one else has. Yes, there are other granite countertops but others will not have a countertop that looks like yours. Each granite countertop is unique, as well as resistant to scratching, heat/burning and they are very easy to clean. Go with granite when you are getting a new countertop put in.

    Source by Eric Willey

  • The Benefits of Painted Wall Murals

    Wall murals are a creative and fun way to liven cold, bare walls. And the best part: anyone can do them–you don’t have to be an artist. You can design your own wall mural using your imagination, artwork, greeting cards, or picture books. You can purchase a wall mural stencil kit to help you, or you can find a local artist to design and paint the perfect wall mural.

    Painting a wall mural is not difficult, but it does take some work. Before you begin, tape off your woodwork and cover your furniture and carpet to protect them from accidental spills. Depending on the condition of your wall, you may want to apply a neutral base coat to the area where your mural will go. Interior latex paint is a good bet, but you should talk to a paint specialist at a home improvement store to make sure it will work for you. You can use interior latex paint in large blocks of color inside the mural, but acrylic paints work best for the mural’s small areas. Acrylic paints are thin and will probably take more than one coat to get the right color.

    You will need a variety of brushes for your painted wall mural. Large, broad brushes are best for wide areas of color. Small, rounded brushes are best for small areas. Don’t be afraid of getting messy. Mix the colors with your fingers, sponges, or clothes.

    Faux finishes can make a painted wall mural unique. Many are easy for beginners. Experiment with some techniques on extra drywall before you start painting your wall mural. Use joint compound and paint to create a fossil rock look or to make a stencil pop from the wall. Get instructions and other ideas from painted wall mural Web sites, or check out the paint center at your home improvement air. Start with simple techniques, be creative, and have fun.

    Source by Steve Valentino

  • The Importance of a Floor Plan

    Before beginning any decorating job, you must think about the available space you have to decorate in. You’ll want to measure out the space and write it down. Then you will want to create a basic floor plan on a sheet of paper with the measurements on there. That way you know what fits where before you move it.

    It is important to have a floor plan since it provides you with something concrete to look at and work with. It also offers you a way to experiment and try different things without having to move all the furniture around or waste money on purchases you don’t need or won’t fit.

    Having an accurate plan will also help you buy the right amount of carpet, paint and other materials so you won’t waste money on too much or have to go back for more.

    It’s also wise to have a floor plan so the decorating goes smoothly and looks good in the end. Many people who don’t do a plan end up with sloppy, uncoordinated results.

    Measurements you want to include in the plan are each side of the floor, where the windows are located, height of the room and where the doors are located. These measurements will be especially helpful in purchasing flooring and paint.

    You will also want to include the measurements of any furniture you will or want to include in the room. This will help you when you go to buy the rest of the furnishings for this room.

    Once you have the floor plan done you are ready to go out and shop for the materials. If you are looking to save money then most people will tell you to go to Walmart. However, I have found local hardware stores to be the same price and offer a wider selection and that’s where I go for materials. Where ever you go just make sure you don’t forget to take your floor plan with you.

    Source by Kayle Rowe

  • HUD-1 As A Marketing Tool – For Realtors

    How Can HUD-1 Help You Generate Business?


    HUD-1 is a standard form you use very often. The form serves not just as a settlement closing statement, but also as a proof of payment of different tax deductions. Understanding the form and the tax deductible items and communicating them to your clients will help your clients to minimize their taxes and help you to build trust and get more business exposure.

    What is the HUD-1


    HUD-1 is a form used by the settlement agent (closing agent) to itemize all incoming funds and all charges paid and accrued by a borrower and seller for a real estate transaction.

    When is the HUD-1 Issued?

    The Real Estate Settlement Procedures Act (RESPA) requires that the form be issued in all real estate transactions in the United States which involve federally related mortgage loans. RESPA states you should be given a copy of the HUD-1 at least one day prior to settlement.

    When Do Clients Need HUD-1 For Taxes?


    Clients use the information included in the form when they file their annual taxes. The filing deadline is normally April 15 of every year for the proceeding year. To allow the client enough time to file taxes using the HUD-1 information, it is recommended that a copy of the HUD-1 will be sent to the client in January.

    Because the real estate transaction takes place during the year, usually long before filing the tax return, the HUD-1 given to the client at closing time could be lost or misplace. Sending the client a copy of the HUD-1 with a cover letter will be very helpful and time savings to the client.

    HUD-1 Client Sample Letter


    The following is a sample letter you can use to send your clients:



    Dear [Client’s Name]:

    Tax time indeed is just around the corner, and the first thing you will need is a copy of the Closing Statement on your property. Moving can be a very busy time, and you may have misplaced this very important document.

    I would like to be sure you avail yourself of all the tax advantages possible from our transaction. If your accountant has any questions, please have him or her call me (if you need a referral to an accounting you can trust, I’d be happy to provide you with one).

    I look forward to continuing as your realtor and providing you the highest level of service possible.

    Yours sincerely,

    [your name]

    Oh, by the way… If any of your friends or relatives are thinking about buying or selling a home, I’d love to be of service to them. So, when you think of these people, just give me a call with their name and number. I’ll be happy to follow up and tend to their Real Estate needs.

    Which HUD-1 Information Is Important For Your Client’s Taxes?

    The information reported in the HUD-1 relates to the following tax statements and schedules:

    Tax form HUD-1 line

    Schedule A (itemized deductions), Line 10 – Annual mortgage interest deduction Line 901

    Schedule A (itemized deductions), Line 10 – Points deduction Line 802

    Schedule A (itemized deductions), Line 6 – Real estate taxes deduction Line 1003, 1004

    Schedule E (rental income), Line 20 – Depreciation (cost of property is required) Line 101, 102

    Schedule E (rental income), Line 12a – Mortgage Interest Deduction Line 901, 802

    Schedule E (rental income), Line 9 – Insurance 903, 1001, 1002

    Schedule E (rental income), Line 16a – Real state taxes 1003, 1004

    Schedule E (rental income), Line 18 – Other deductions 703, 801-811, 1005, 1101-1110, 1201-3, 1301-1302

    Schedule D (capital gain) Part I, II, Column d – Sales Price 401, 402

    Schedule D (capital gain) – Part I, II, Column e – Cost or other basis 101, 102

    Form 6252 (installment sale), Line 8 – Selling price 401, 402

    Form 6252 (installment sale), Line 8 – Cost or other basis 101, 102

    Form 4797 (sale of business property), Part I, Column d – Cost or other basis 401, 402

    Form 4797 (sale of business property), Part I, Column f – 101, 102

    HUD-1’s two sections


    Section J, Summary of Borrower’s Transaction

    This section contains 6 sections, and basically summarizes the entries made to the section L (Settlement charges, see below).

    o Section 100, Gross Amount Due from Borrower

    o Section 200, Amounts Paid By or In Behalf of Borrower

    o Section 300, Cash at Settlement From/To Borrower

    o Section 400, Gross Amount Due to Seller

    o Section 500, Reductions in Amount Due to Seller

    o Section 600, Cash at Settlement To/From Seller

    Section L, Settlement Charges

    That’s where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower’s or the …

  • Lose Weight With Clubbells – Ancient Exercise Tool For Timeless Fat Loss Results

    It seems with every passing day a new fat loss method is unveiled. But there’s very little which is truly new under the sun. And many of these novel fat loss solutions are nothing more than clever packaging–at best–or pure snake oil salesmanship–at worst.

    But there are simple tools that have endured for centuries and work as well today as they did generations ago. Thankfully, these ancient tools are resurfacing as people seek simple and elegant solutions for their fitness needs.

    The Clubbell stands head and shoulders above the rest of these simple tools for its versatility and its effectiveness. Throughout the ages, the humble club has been a ubiquitous means of self-preservation, warfare, and then later physical conditioning.

    For anyone looking to shed fat, as a stand-alone training tool the Clubbell can’t be beat. Optimal fat loss requires several elements that are subject to an order of importance.


    The first requirement of fat loss is of course appropriate nutrition. That is beyond the scope of this discussion, but suffice it to say that eating a diet which promotes the maintenance of muscle while dipping into fat stores for energy is a prerequisite. And here’s a hint, anything our prehistoric ancestors used to hunt with their clubs or pull from the ground would probably be a good place to start.

    Preserve Muscle

    Apart from bringing down game, Clubbells can’t help you with your nutrition. But once you get into the other pieces of the fat loss hierarchy, the Clubbell comes into its own. The most important exercise consideration for fat loss is the preservation of lean mass. This is what will allow you to use freed energy from fat as fuel. If you lose lean mass while dieting, you greatly reduce your chances of success.

    There are many Clubbell exercises of a “grinding” nature which are perfect for building or maintaining muscle on a fat loss diet. Good options are the Clubbell Flag Press and the Clubbell Barbarian Squat. A YouTube search will yield results for both these examples. I recommend sets lasting between 45 and 75 seconds for optimal muscle growth potential. Choose four to five exercises which cover your entire body and major movement patterns and do each for 2-3 sets. Perform this workout three times a week.

    Stoke the Fat Burning Fires

    The next rung down on our fat loss hierarchy will be high intensity energy system work. Some people call this interval training, others metabolic conditioning. The important thing is to perform intervals of high intensity work in the range of 8-10 on a scale of 10 for Rate of Perceived Effort (this concept is from the Circular Strength Training system). Performing such all-out work for periods of between 30 seconds and four minutes, taking rest periods of between 10 & 90 seconds, will stimulate your metabolism into high gear for as much as 72 hours post workout. This type of training can also blunt hunger, which is always a plus when trying to lose fat.

    Putting exercises such as the demanding Clubbell Swipe and Clubbell Clockwork Squat into a circuit will help you achieve this high level of intensity. Again, a YouTube search will direct you to demonstrations of both these exercises.

    Burn Off Extra Calories

    And last on our hierarchy of fat loss training priorities – important only if we are implementing the other two – will be longer, steady state training, sometimes referred to as cardio or aerobic training. A long time ago, I gave up running. Not only is it hard on the body, but can get very tedious after awhile. But I don’t have to give up on cardio. I can get a great session of steady state exercise using my Clubbells.

    By doing a single arm exercise, and switching back and forth form one arm to the other at regular intervals, I can keep my heart rate up and my fat burning machines stoked without running up against muscular failure. Good choices for this are the Clubbell Swing and the Clubbel Mill. Again, a YouTube search should bear fruit.

    A Tool For the Times

    Amazingly, this one simple tool can provide a full spectrum of fat loss benefits. No wonder it has endured the ages. And in these uncertain economic times, versatile tools which can take the place of expensive gym memberships are especially attractive. So if you are looking to drop some fat, the Clubbell just may be the perfect tool for your efforts.

    Source by Adam Steer

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