How To Get A Refund From Your House After Foreclosure

Many homeowners don’t comprehend this, but there are many rules in place that keep your lender from taking advantage of you, while they are foreclosing on your home. Every day, I hear: My bank just wants to take my home because it’s worth more than the payoff. In some cases, this may be the case, but by law, your mortgage company must sell the home for its fair market value and pay you any proceeds over and above the amount owed. Lenders may try and take advantage of the fact that most borrowers don’t know the laws when it comes to foreclosure, but we’ll help you understand your rights and hopefully get some money back if you’ve lost your home.

The main issue we’ve seen is when lenders accept an offer on the home as quickly as possible, just to pay off the mortgage. After the foreclosure and eviction, mortgage companies seem to forget about following the laws. For example, lets assume your home is worth $300,000, but your total payoff is only $275,000. Your mortgage company has a legal responsibility to sell the home for it’s fair market value, which is $300,000. This would leave $25,000 for you. What usually ends up happening is the bank accepts the first offer they receive of, lets say, $250,000, then they sue the home owner for a $25,000 deficiency judgment.

In a case where the bank has a legal responsibility to pay $25,000 to the homeowner, instead they end up stealing the home and suing the homeowner for an additional $25,000. There is absolutely no reason the homeowner should have to pay for the the lenders neglect to sell the home at a fair price.

If you are in the process of having your home foreclosed on, or if you have already lost your home to foreclosure, then it’s urgent that you know the appraised value of your home. You may be owed thousands of dollars, in the event your home is, or was, sold for less than it was worth. There are many cases where previous homeowners have gotten settlements in excess of $50,000! Knowing your rights and the laws when it comes to facing foreclosure is likely one of the best ways of avoiding foreclosure altogether. If you didn’t understand your rights and you were taken advantage of, there is a chance you can get your home back, or at least sue the lender for their misconduct.

A great way to get the value of your home is to is to get a full appraisal from a local, qualified appraiser. However, this can be quite costly, since you are/were facing foreclosure. It’s also hard, after a hardship, to justify throwing good money after bad. My recommendation is to get a estimate from a Realtor or Property Valuation from another qualified source. Our website can provide you with a good local company if you need one. I strongly discourage using a website service that give value quotes, because they are rarely accurate and do not take the condition of the home, or improvements into consideration.

When it comes right down to it, if your lender acted illegally when foreclosing on your home, or sold the home afterwards for at a lower price than they should have, then you need to do something about it! We can not just sit back and let the lenders get away with such misconduct and taking advantage of helpless consumers. Take action immediately and we’ll help you force your lender to answer for their wrongdoings!

Party String Lights Will Beautify Your Porch or Patio

Party string lights are extremely versatile in the sense that they can be strung as temporary decoration for that special occasion or as an everyday adornment to the outside of your home especially in the porch or patio area. Since this type lighting does not require installation of a permanent nature, it can be installed anywhere there is access to an electrical outlet. Even if there is no electricity available in the area where you would like to place string lighting, technology today has produced solar powered or battery powered string lights that can meet your need as well as being an environmentally friendly option.

Another great thing about utilizing the solar powered option is that there are truly no limitations at all as far as the placement of your party string lights. Simply select the location and give absolutely no thought to how you would place the extension cords that power an electrical powered unit in such a way as not to be a hindrance to the enjoyment of your party goers. As long as the solar cell receives an adequate amount of sunlight, your party lights will burn well into the night and greatly provide for the atmosphere you are trying to project.

The solar powered lighting manufactured today truly operate in a much more efficient manner than their electrically powered cousins. They also are much better than the solar units that were on the market just a few short years ago. The batteries that store the necessary energy to power one of these type fixtures are able to supply power to the lighting for a much longer period of time than before. The solar cells used to gather the sunlight and convert it to energy in the battery do so with a much smaller footprint allowing the solar cell to be placed in such a way as to not be an eyesore on your landscape. Also, the LED lights that supply the illumination on these solar powered string lights are also much more energy efficient and last many times longer than their incandescent counterparts.

No matter the type of string lighting you choose or the means by which they are powered, party string lights can beautifully decorate any area you choose to use for that party or other special occasion. By placing the lighting in trees, along paths and walkways, or any area that is covered by darkness, you will not only decorate the area, but will also provide for a sense of safety as your guests make their way around your property. Whatever, you goal, safety or decoration, you are sure to find a multitude of choices in party string lighting that can meet your needs on an immediate, as well as, a long term basis.

Black And White Kitchen

Black and white kitchen can be modified as per ones likings and requirement. You can either opt for this type of kitchen to provide a retro look or luxurious modern appearance. The layout and the style of your black and white kitchen can also be decided or planned out on your own. You can opt for developing your theme or design based on unique ideas which can be used for your kitchen. It is a very classy way of designing your kitchen.

However, while planning for your black and white kitchen, you have to take into consideration some important factors such as the space available in your kitchen, type of your kitchen whether it is modern or retro style, your requirements and ideas for your kitchen.

Besides these, you have to also consider some other important aspects such as appliances, other accessories, lightings, cabinets and flooring options for your kitchen. You can also collect information about the black and white kitchen ideas from various websites.

These websites will also offer you pictures of different layout of kitchen using the black and white theme. They will also provide you some simple tips for your kitchen such as black and white kitchen floor or cabinets. All the information would inspire to opt for the best one and use it for your kitchen.

Tips for planning a black and white kitchen and decorating them are provided below:

You should opt for selecting all the basic and important elements in the kitchen in black and white color. They include flooring, appliances and cabinets. The basic elements should be either in only black, white or combination of black and white.
The color for the walls of your kitchen should be selected in such a way that it complements well with the other aspects of your kitchen which are in black and white. The popular options which can be opted for the walls of your kitchen are bright blue, gray or maroon.
Select a black countertop, white cabinets and black appliances for your kitchen. You can opt for these selections vice versa such as black cabinets instead of white. You can opt for contrasts colors in the basic requirements of your kitchen such as the cabinets and the appliances.
It is necessary to opt for more of white color as it would help in providing a spacious look to your kitchen.
There should be plenty of natural lightings in your kitchen. Opt for lightings that would bring out the black and white theme of your kitchen.
The colors that go well with black and white are yellow, blue and red. You can select the appliances and other accessories required in the kitchen in these colors to bring out the stylish and sophisticated look to your kitchen.

Therefore, the details provided here will help to find out some interesting facts about black and white kitchen. It also provides you some simple tips which can be considered for planning and decorating black and white kitchen.

Money Saving Ideas Better Energy Efficiency For Your Home

The big-city housing crunch that has long since been a financial issue to many homeowners is made more of a burden with the economic turmoil that hit not only New York and the US but the entire world as well. Now, more than ever is the best time to be looking for effective ways to save money and one of the smartest moves is cutting back on the area which eats a good part of your monthly income and that is the energy bill of your NYC home. This article looks into great ideas to achieve better efficiency for your home which are practical whether you are in Brooklyn, Queens, Staten Island, Long Island, or Manhattan.

Here are top ideas in making just any home more energy efficient and lower monthly energy bills:

Lighting

Being one of the most basic of elements that makes a house livable, many lighting fixtures are needed to make just any room more ambient as well as functional. With lighting, saving energy can be carried through in many ways including:

. Maximize use of natural lighting and lessen the use of electricity during day time
. The replacement of current set of lighting fixtures with energy-efficient models that uses up less electricity for the same brightness given off
. Amplifying the effects of lights by using mirrors and other reflective items in the design of the room
. Making use of lighting controls that prevents unnecessary use of lights

Ensure Proper Sealing and Enough Insulation

Leaks are silent killers that prey on your heating and cooling without you knowing. This results to the escape of heat or cool that should be maintaining the comfort inside the house. And before you spot it, your bills have already ballooned. You can have a contractor inspect your house for possible leaks and remedies should be done as needed.

Making your HVAC systems work harder than they normally do results to lower operation costs and thus lower figure on the energy bill. Other than this benefit, a well insulated and sealed home promotes optimal indoor comfort as well as an increase in the overall value. But one pitfall that many homeowners fall into is believing that the only areas in the house needing insulation are the attic and exterior walls. To ensure enough insulation, extend your efforts to kneewalls, adjoining walls from one room to another, basement walls, floors, overhangs, and ceiling especially below unheated spaces.

Energy-Saving Appliances and Systems

Though the initial cost of buying energy efficient appliances may be huge, the products would sure prove more valuable than the original price they cost. With these models, the comfort and functionality that is enjoyed in the house can still be maintained and even be enhanced without much consuming much energy. When shopping, choose those labeled with Energy Star.

Use Renewable Energy

Using natural resources to power some functions in your home can be one of the best ways to achieve energy efficiency. Technological advancements have paved way to integrate the use of solar heat, wind, or geothermal energy to power homes. These are often stored and converted to electricity or utilized to heat liquid fuels or heat water.

Select best hardwood flooring from online

Where can I buy the best solid hardwood floors and other great flooring options in MA? The best place to find the finest quality flooring options in Massachusetts is Post Road Carpet One of Acton. We are a family owned business that has been in the flooring industry for the past 30 years. After all, only at Post Road Carpet One of Acton will you find the BEST selection of red oak hardwood floors and many other fantastic flooring options. We have the most vinyl, carpet, and wood flooring options to fit you and your budgets needs! Looking for tile flooring options? We carry the finest hardwood for sale for your home. Our expert flooring specialists are on staff to help you decide which the best option for your flooring is. We are proud to be a part of Carpet One, North America’s largest retailer of floor covering. Because of our association with Carpet One we have huge buying power. We also have partners with all of the large brands and manufactures. Tell us what your needs are and we will exceed your expectations. We offer the largest selection of carpet, hardwood, ceramic tile, laminate, area rugs, vinyl and more. You can be assured that we will continue to prove you, our customer, with service excellence and quality that has been our tradition. We are seller of best red oak hardwood your have seen. Don’t have time to come to the store? That’s fine! Just click here to purchase fabulous new best hardwood flooring or any other flooring option, for your home. We take pride in having the most extensive and helpful service for you, our customer. Our website is an ideal tool to use when shopping for a new floor. You can pick out what designer rug you want efore you go into the store! Or, if getting to our store is not convenient, you can always order it online and it will be delivered right to your door! The hardwood flooring costs depends on many factors. The primary consideration is the type of hardwood floor you are seeking to beautify your home. The color, style, grain, construction and overall fashion of the hardwood all determine the cost of the best hardwood flooring for your home. If you want brand new hardwood flooring for your home or want if you want to replace your existing flooring with hardwood, it is important to do your homework and answer these questions to fully understand the materials and installation costs for hardwood flooring. We have cheapest hardwood floors price and prefinished oak price in the market of hardwood. Post Road Carpet has quality hardwood for sale in all designs and patterns. Post Road Carpet One has been locally owned and operated in 1976. We work and live in your community so we understand your needs. You can look forward to the best individual service, value, integrity and warranties that we can offer.

What You Need To Know About Woodworks

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You have to know how home improvement projects. This article will provide you handy home improvement advice. This information can benefit beginners and specialists alike.

A brand new coat of paint is the quickest and simplest in home improvement. Fresh paint can add fresh energy to a residence for just little expense of money or time. A new coat of paint will also help your house be more appealing to buyers if you have any interest in selling your home.

Look into putting in bright heat floor tiles if you would like replace the tiles you have now. These tiles use heat through your electricity. You can do this yourself if you have a specific guidelines.This project you can include on regardless if you are hiring somebody or doing it yourself.

Sealant strips and draft excluders are but among your choices in avoiding air from seeping out door cracks. Draft excluders are made to match on the bottom side of a door to prevent warm air from getting away and prevent cold air from coming in. Sealant strips that are fitted around a door frames will work in the same way. You can find them at most hardware stores.

A huge cost can be expected from home roof. Have a few estimates before getting a new roof and check all references from the roof companies. There are quite a few different things to consider with roofing like getting tile, metal and wood.A reputable roofing contractor can help you with the option.

Restrooms are essential to consider if you want to flip a home. Other rooms are easy for owners to fix on their own, but bathrooms must always be kept in good condition. If the bathtub or sink are not in good shape, replace them with brand new ones. Swap any linoleum floors for tile instead.

As this article stated earlier, you must know what you’re doing when fixing things around the house. The recommendation found in this article will help those who are new to this topic and those who are experts on it. After you have a task in mind, apply the tips listed here.

Woodworks at all times offer something special whenever it is placed. If you are considering decorating your place with woodworks, there is no place to look but here on this My Shed Plans review.

Meenakari Bangles For Traditional Women In You!

These exclusive jewels that are ethnic in their designs and patterns and are created by the Meenakars using assorted techniques. Meenakari bangles are desired by all the women who love to adore themselves with traditional jewelleries on special occasions like weddings, engagement and festivals. These are the dazzling jewels that attracts with its intricate carving and designs.

Meenakari Bangles usually consist of designs and patterns that comprises of elephant, lion, birds and floral patterns with multi coloured enameling. The most popular colours used for enameling are blue, green, white and red. This art of embellishing the metal was introduced by the Mughals. This art however had its base in Persia. The highly skilled Meenakars where brought to India by Raja Man Singh of Amber.

Today, Meenakari bangles are designed by the artisans of various regions like Jaipur,Bikaner,Udaipur and West Bengal which are the popular destination where this art has developed on much wider scale. Punjab, Lucknow and Delhi are the popular centers for exclusive Meenakari jewelleries as well.

If you are thinking of some unique gift for your loved one then, Meenakari bangles are the best option. These are well designed and intricately carved by the hands of the artisans. These are adorned with gold, silver embellishments and few expensive ones have diamond studs carved out as well. Commonly, lac base is used for Meenakari bangles however gold and silver base is also being used to make them much more attractive.

Meenakari Bangles are so popular that top bollywood actress can also be seen wearing these traditional accessory to various events and premiers of their movies. Moreover, with many mythological serials coming on the television most of the artists can be seen wearing these designer Meenakari Bangles.

You can get best accessory for yourself on Craffts.com. This site offers best products in the category of jewellery, fashion, footwear, home dcor and furnishing , gifts and decoratives and more. Through, this online portal you can purchase adorable Meenakari bangles of various designs and patterns.

Top 15 Fathers Day Presents From The Kitchen

Fathers day presents from the kitchen are a great idea for the dad that cooks. Men and women cook differently. Men need gadgets, men like tools, and some of the best new dishes he’ll create may be because of the new device you’ve given him.

Today, I’ll go through my kitchen drawers and share some of the small and large tools and gadgets I can’t live without in my kitchen. It might give you an idea for a fathers day present you never considered.

Starting with the inexpensive and simple:

Fancy Vegetable Peeler – Dad’s is probably dull and worn, time for a new one Rubber Bowl Scrapers – If there’s a chunk missing from the current one, time to switch. Rubber Pastry Brush – for applying butter, sauce, or egg wash. They last a long time. Green Bean Frencher – cuts string beans lengthwise for a new plate appeal Portion Scoops – for better consistent baking and a new visual presentation of rice and starch. Bench Scraper – one of my favorite tools for scraping counters and portioning dough Tongs – are indispensable in the kitchen for stirring, grabbing, and not burning hands Digital Thermometer – THE most important tool for accurate cooking and baking Beak-Nose Paring Knife – an inexpensive, unique knife that helps with close up work Pepper Mill – An attractive pepper mill not only adds flavor, but appeal to the kitchen itself. Salt Dispenser – I like to pinch kosher salt rather than shake iodized. A covered salt dish. Asparagus Steamer – with the insert basket, it can be used for numerous kitchen items. Cast Iron Pan – When cared for properly, it will outlast Dad. It’ll outlast everybody. Chinois – is a very fine mesh strainer used in the commercial kitchen for sauces ManPans Steamer Insert – I use ManPans in my videos because of their construction.

Fathers day presents that enable him to further explore and express his curiosity and love of cooking are the best ways to show that you know what he likes. Even if Dad already has one of the items above, there are now shiny, chrome-plated or rubber handle padded upscale versions of just about every kitchen gadget you can name.

Give him something new, or update the old, fathers day presents from the kitchen are the best. What are you giving your Dad for his special day? Leave your comment below for others to share ideas.

There’s an entire video showing all the fathers day presents listed here.

How To Switch Suppliers Without Triggering An Exit Fee

UK residents have many choices when it comes to energy suppliers, but that doesnt mean that switching is always easy. Even when a new deal crops up that is better than another, a customer has to worry about exit fees. These can include fees also called cancellation and termination fees. These fees are assessed whenever a buyer tries to opt out of a previous energy contract before the actual period of service is over. They can range from as little as 5 to up to 50 per fuel type. Due to the simplification of the UK tariff structure, you may find yourself suddenly signed up to a more expensive tariff once your old tariff is no longer available. This automatic enrolment can also oblige you to pay an exit fee if you want to switch after the period for enrolment is over. Its the wise consumer that keeps an eye out for fees and asks about them before switching, even when the switch was not of their own doing.

Fixed rate plans

Fixed rate agreements usually carry early termination fees, and they tend to be more expensive than other plans. This can make it difficult to switch from one type of plan to another, as the fee will offset any savings in cost. Even if you have a change of heart in the middle of the winter season, you might find youre stuck with your deal, unless the utility will allow you to switch without a fee. If you have a fixed tariff, you will need to see what types of fees are associated with terminating the account before you actually decide to make that decision. You may find that you can still switch, even if it costs you, or that the company will waive the fee as long as you remain with them and not some other utility. The costs to terminate a fixed rate plan also depend on how far along you are in it.

Sometimes, you get lucky

If your energy supplier has to change the tariff rate, they must give you 30 days to decide whether you want to keep the tariff or not. If you choose not to keep it during this time, no termination fees apply. The reason for this is that the company has changed the terms of the contract making the previous contract null and void. Thus, the termination fees associated with the contract also do not apply. However, this is a special case and isnt bound to happen much. It might happen with a fixed rate if the supplier thinks theyre going to lose money by selling you their gas at a lesser price than the market can withstand. However, most fixed tariffs have excess leeway built into the price structure, so this might not ever happen to any of your tariffs. Instead, you might have to wait for the contract to be officially over.

Another option for switching

If you simply wait for the contract period to be over, you will also be given 30 days to make a switch without termination fees. Of course, by that time the heating season will be over and you probably wont know what next winter will be like either. The time period is limited and if you miss notifying your supplier of how you want to switch, you can lose the opportunity to do so without incurring an exit fee. Keep an eye on your contract terms to determine when you can switch without penalty.

When your previous tariff is dropped

You will also get the opportunity to switch when your previous tariff is dropped and becomes unavailable. Companies that are simplifying their fee structures will send out a letter advising you that you need to change your tariff or they will do it for you. Some will put you on their standard plan and others will pick a more expensive plan. Whatever it happens to be, it will also come with termination fees. If you want to be in control of switching, you have got to abide by the time limit set for making those choices. Otherwise, once the other tariff is in place (whether you agreed to it or not), you wont be able to make another switch without triggering exit fees.

Ifloor Types Of Wood Flooring Underlayment

Underlayment is used as a base or substrate to make the top flooring more durable and smooth. There are many types of wood flooring underlayment. iFloor, the first e-commerce discount flooring store website, shares us some information about the types of floor underlayment.

Wood flooring underlayments are categorized into different types. These types differ from each other when it comes to properties and usage. Specific types are used for specific flooring finish to ensure desired results. Here is the most common wood flooring underlayments used:

Oriented Strand Board Often referred to as OSB, it is one of the most natural and economical types of wood flooring underlayment. The materials used are engineered wood products which came from small-diameter and fast growing trees that are easily replaced. This floor underlayment is inexpensive compared to other types. It is easily and directly installed by the use of glue or nails.

Plywood Plywood is another engineered wood product. Cross laminated wood veneers are pressed together and left under a high level of heat to produce ply wood. Plywood can serve as an alternative to Oriented Strand Board. They are both easily installed by gluing or nailing them directly to the subfloor.

Advantech If you want the characteristics of Oriented Strand Board or plywood but want it much durable, you can go with Advantech. This type is similar to the previous ones except that it has a waterproof coating and a unique tongue and grove design. These characteristics prevent the wood from swelling. It is also directly installed by the use of glue or nails.

Concrete This type of wood flooring underlayment is recommended for direct adherence of wood flooring using a eood floor glue. Aside from being a wood flooring underlayment, concrete may also be used as a subfloor.

Felt Paper Also called as Tar Paper, Felt Paper wood floor underlayment is used for wood subfloors with overlapping fashion. It keeps moisture from entering the subfloors which may cause damage. It is also preferred to correct minimal flooring imperfections. This type is best when wood flooring will be nailed into the wood substrate. Felt paper underlayment is usually available in rolls of 15 or 30.

Standard Foam Underlayment This type of wood flooring underlayment is known for its noise-dampening quality. It is a 1/8 inch padding of a synthetic product made of polyethylene foam. Standard foam underlayment is recommended when using floating flooring products or flooring installed without the use of nails or just minimal glue.

Foam and Film Combination Underlayment This type of underlayment is just a standard foam but with moisture preventing capacity. It prevents moisture from getting in contact with the wood subfloor which may damage it by having a barrier. The barrier is made of an additional layer of film.

These are the most common types of wood flooring underlayment. They provide better top flooring look and durability. Get only the best underlayments by visiting iFloor.