The Benefits of an Apartment Locator

The Benefits of an Apartment Locator

An apartment locator can perform a lot of the job for a person who’s seeking to rent an apartment. An apartment locator is a professional broker service that looks for prospective dwellings for customers. Agents are professionals who act as an intermediates between the seller and a buyer at a trade.

Tenant Time Benefits

Apartment locators do the initial legwork involved with leasing. Locators save you time, as you are not going to need to look at apartments that do not meet your standards. The locator will look for a suitable apartment for you according to criteria you supply. The list you will receive from the locator should just comprise apartments available in the area you are searching to rent in and within your stated price range.

Particular Conditions Search

An apartment locator has access to special databases and other programs used to acquire highly detailed information concerning rentals. The locator will phone landlords and flat management staff to describe polices for special requirements and conditions. The methods enable a locator to find an apartment that suits your more specific requirements, like a complicated that allows big dogs for a pet owner or a landlord who will rent to a person with a felony history.

Client prices and Rebates

Apartment locators ordinarily do not charge a commission for the service in important cities. The locators earn commission from each rental that is signed by a tenant, referrals or site advertisement clicks. Some locators provide cash rebates to customers who sign a lease to be able to lure you to rent an apartment. Any fees charged to you by the locator should be given to you in writing before you agree to utilize the service.

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Legal Notice of Default

Legal Notice of Default

Nobody purchases a home with the intent of defaulting on the mortgage, but the reality is that a change of situation could result in being late in making payments or being not able to pay the mortgage. Mortgage default legislation and guidelines vary by lender and by state. But at about 60 to 90 days past due, all lenders will issue a notice of default (NOD) by certified mail to the borrower, which starts the foreclosure process.

What Is It?

A Notice of Default is a legal document which suggests that the homeowner has defaulted on the loan, also has a predetermined quantity of time to become current on the loan or wind up in foreclosure. In addition, it expresses the intent to market the home if all of the past due payments aren’t made in a timely way. All NODs are filed in the county courthouse before mailing to the borrower and become a matter of public record.

Timeline

From the moment the NOD is registered, the homeowner has three weeks to catch up with fees and payments. Usually, there are no legal penalties at this time; you’ll simply owe payments, late fees and penalties, if there are any. Once the three-month grace period passes, the default option gets passed into the legal department and authorized penalties start to accrue. Instantly, a notice of trustee sale is routed out; in California, this serves as notice that your home will be auctioned off in 21 days.

Negotiating with Banks

The main thing to do when served with a NOD is to contact your bank. Explain what you could do, and utilize it to think of a solution. Some banks will sue; much negotiating space is not given by others. Banks, as a company, don’t want to homes. Keeping you at the home costs than foreclosing on the home. Keeping communication lines open between the lender will most likely yield the best results.

Other Alternatives After NOD

From the time you receive an NOD, foreclosure is on the horizon. Due to the subprime crisis and current market in 2010, if you don’t have any equity in your home, a brief sale could be the only choice. Listing your home for sale immediately after a NOD and informing the lender that you will be pursuing a brief sale halts the foreclosure immediately, until the brief sale approval or rejection is finalized. Contact an experienced real estate agent to start this process.

Significance for Your Credit

Ignoring a NOD is a way to receive your home foreclosed. Fair Isaac Corporation, which created the FICO score version, believes late mortgage payments to be one of the largest factors which bring your credit score . Debtkid.com quotes that a foreclosure will fetch down your credit by roughly 280 points, and a brief sale will require off 75 to 120 points. A foreclosure will stay on your credit report for ten years, and you’ll have a challenging time getting a new home loan for at least three to five years.

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How Do I Calculate an Amortization Schedule?

How Do I Calculate an Amortization Schedule?

A loan amortization schedule is a list of the loan payments together with the allocation to principal and interest of each payment. Advanced financial functions are required by calculating an amortization schedule. You can certainly do it using an internet amortization calculator (see link below Resources) or using a spreadsheet template which provides the required functions to an Excel or OpenOffice Calc spreadsheet.

Locate a loan amortization template for use with spreadsheet program. A template will establish a spreadsheet with the right purpose, input and output cells for amortization calculation. Links to 2 amortization templates are given in the Resources section.

Download the spreadsheet template that is pick. If you are using OpenOffice Calc as your spreadsheet software you must pick the .ots file from the Vertex42 download webpage. A spreadsheet containing the amortization calculator will start after the template downloads.

Type your loan data to the appropriate boxes of the calculator. You’ll need to deliver the first loan principal amount, date of the initial payment, rate of interest and term of their loan. As you input the data, the loan amortization schedule will be automatically calculated and updated.

Save the spreadsheet once you have the loan data entered. You’ll have a spreadsheet file of the amortization schedule.

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How Can I Calculate Capitalization Rate?

How Can I Calculate Capitalization Rate?

Investors use a property’s capitalization rate to determine its potential as a profitable investment. Capitalization rates–often referred to as cap prices –vary by neighborhood and property type. Investors favor higher capitalization rates to lower ones, but may choose a property with a lower rate of returns if it’s less perceived danger. They are also subject to changing marketplace conditions. While capitalization rates aren’t an investor’s only tool for valuing commercial real estate, they do provide an objective measure of investment possible if comparing properties.

Determine the property’s gross earnings by totaling rents along with some additional income produced by the property.

Subtract any money lost because of deductions from gross earnings to locate the effective gross earnings.

Subtract operating expenses, such as leasing, management and maintenance charges, from effective gross earnings to come across net operating income.

Divide net operating income by the home’s sales price to come across the capitalization rate. As an example, assuming net operating income of $50,000 plus a sales price of $650,000 yields a capitalization rate of 8 percent.

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Dreamy Style at a Tampa Cottage

Dreamy Style at a Tampa Cottage

It requires time to make your dream home, and also to find a location in your dream neighborhood. Shona and Shaun Carcary waited 17 years until both brothers left for faculty — to eventually snag a cabin in Bayshore Beautiful, an oak-filled community inTampa, Florida, just steps from the bay.

Natives of South Africa, the Carcarys (she’s a personal trainer; he’s a property investor) managed to check past the pink walls and dark brown carpet that sullied the cottage’s 1940s interior. “We can see the huge workload involved but may see the property’s charm and great bones,” Shona says. The couple spent six years revamping and tailoring the house to their own liking. They painted floors, gutted and remodeled the bathrooms and the kitchen, converted the detached garage into a workout studio and “individual space,” and gave the entire house a dreamy, all-white makeover.

at a Glance
Who lives here: Shaun and Shona Carcary, and their Chihuahuas, Dinky, Peatri, Bumpy and Dobby
Location: Bayshore Beautiful neighborhood of Tampa, Florida
Size: 1,500 square feet (139 square meters); 2 bedrooms, 2 bathrooms
Year built: 1940

Mina Brinkey

The few ripped out of the dark brown carpet throughout the house to show hardwood floors. Shona is a huge fan of white painted the floors, pink walls and timber fireplace mantel the exact same color, Ultra Pure White by Behr.The couple also replaced the original windows.

Shona Attempts to store locally as muchas possible, and worked closely with designer Christy McGeachy of Nest Designs and Katy Gagnon of Tampa’s Blue Moon Trading Company. The majority of the living area furniture, including the couch, side table, tree trunk coffee table, lighting and decorative accents, are from Gagnon’s store.

The best way to paint your hardwood floors

Chaise: Deconstructed French Victorian Right-Arm Chaise, Restoration Hardware; wall and floor paint: Ultra Pure White PPU18-6,Behr

Mina Brinkey

An oversize floor mirror draped in series lights helps create the illusion of a bigger space.

An area Shona uses as her home office is observable through the French doors. “It is where I gather my thoughts and organize my times,” she says. She also converted a former garden table into a desk by adding a custom glass top.

Mirror, wooden vase, classic oar, cable light fixture: Blue Moon Trading Company; desk base: Anthropologie (no more available)

Mina Brinkey

Shona’s love of a (nearly) all-white palette mixes nicely with the earthy, nature-inspired accents. “I have found that natural elements such as wood, stone, metal and shells are what I’m attracted to,” she says.

Go gutsy with white floors

Mina Brinkey

Vintage French armchairs add a bit of elegance to Shona’s office. To supply some privacy from the living space, the owners added French doors, which they painted the exact same shade of white as the rest of the inside; they make a smooth transition between chambers.

Mina Brinkey

Painted staircase and risers sporting house numbers lead upstairs into the couple’s bedroom. Shona bought a different number each time she went into a hardware store, amassing a collection over time. “I added them because I count measures as I go up and down,” she says.

Curio cabinet: Blue Moon Trading Company

Mina Brinkey

The few fashioned a stair railing in the birch branch that they bought at Michaels.

Mina Brinkey

A local artisan created the dining area dividers light using materials salvaged from a chicken coop. “I love the eclectic sense of mixing new and old, repurposing items and using them in surprising ways,” Shona says.

Table: Sequoia Dining Table, Z Gallerie; dining chairs: Marshalls; mirror, lighting: Blue Moon Trading Company

Mina Brinkey

The Carcarys finished the kitchen remodel themselves, inspired by compact kitchens with spacious shelving which they saw during excursions to Italy and France. The tin ceiling proved to be the most demanding element, as every tile required to be laid individually. (Shaun set up the pieces while Shona held the ladder.) The countertops are marble, although the kitchen island was created from barn wood floors.

The general cost of the kitchen renovation was $20,000, including appliances and materials.

Shelves: Ekby Mossby/Ekby Bjärnum, Ikea; island: Blue Tooth Company; tin ceiling tiles: eBay; decorative items: T.J.Maxx and Marshalls; backsplash tile: The Home Depot

Mina Brinkey

The first-floor guest bedroom was kept light and airy, with both the floors and walls painted entirely white.

Vintage door, console, lighting: Blue Tooth Company; bed: Lydia, Anthropologie

Mina Brinkey

From the master bedroom upstairs, the few removed a cupboard to create the shower, which they enclosed with a glass wall to create the space feel bigger and look more spacious.

Dual vanity: Ikea; bed: Italian Campaign Canopy Bed, Anthropologie; alloy hanging letters: Blue Tooth Company; wall paint: Ultra Pure White PPU18-6, Behr

Mina Brinkey

Shona and Shaun did all of the labor on their bathroom remodel. They sourced both the bathtub and the emerald-green and gold mosaic tile eBay.

Pendant: Long Hanging Capiz Pendant Lamp, West Elm (no more available)

Mina Brinkey

Shona painted the master bedroom floors black but adhered to white with the linens. The nightstand is a bird bath that Shona fitted with a custom glass top.

By the time the few found thishome, both of the daughters were grown and had moved from the house. (One of these, a real estate agent, helped them find this property.) The Bayshore Beautiful house is smaller compared to the Carcarys’ preceding place, so Shona attempts to maintain things as clutter free as possible. “Now we’ve got less wall area and storage, therefore that I only have things out that imply something or that I use,” she says.

Oversize mirror: Summer House Marketplace; birdbath: Lowe’s

Mina Brinkey

Shona splurged on this vintage-style shelf from Anthropologie, also uses it to display her collection of stage shoes and travel knickknacks. She is especially fond of the leather purse, which she bought on a trip to Ibiza. “I love to spend some time on the weekends searching for one-of-a-kind finds,” she says.

Mina Brinkey

Shona and Shaun utilize the family room the many and love to unwind together facing the TV.

The number 7 is very significant to Shona, as her brother passed away on December 7. This numerical accent is a small method of honoring and remembering him in one of her favourite spaces.

Sectional: Karlstad, Ikea; coffee table: Blue Moon Trading Company

Mina Brinkey

The outdoor places, like this deck which Shaun built, extend the inside with organic surfaces and bits of white. The few loves to entertain guests here, and hosts parties and evenings with wine often.

Wicker chairs put: HomeGoods

Mina Brinkey

This farm table on the rear deck provides Shaun and Shona plenty of chances to host al fresco meals.

Farm table, markets signal: Schiller’s Architectural Salvage; chairs: Blue Moon Trading Company

Mina Brinkey

The classic wrought iron bed at the end of the deck is where Shona and Shaun like to relax and look up at the stars.

Mina Brinkey

The desk, café chair and cart seat are classic and from Blue Moon Trading Company.

Mina Brinkey

The couple created a backyard bathing oasis with a salvaged claw-foot bath tub.

Mina Brinkey

A climbing plant shrouds the arbor leading to the converted garage, which now houses Shona’s gym and Shaun’s home pub.

Mina Brinkey

The couple split their detached garage into two distinct chambers. On the left is Shona’s gym, where she works from home. These French doors lead to what Shaun calls his “individual space,” where he buys time living in front of the TV.

Mina Brinkey

The pub in Shaun’s space is made of a kitchen doorway which the few salvaged during their remodel. The rear shelf was created from a headboard that they brought over from South Africa, while the walls are decorated with construction materials in the school in South Africa in which Shona used to work as a nursery school teacher.

Mina Brinkey

Hardwood floors grace the home exercise studio, in which Shona tends to customers as a personal trainer and nutrition expert.

Mina Brinkey

The cabin is nestled behind grand oaks on an old brick-lined street just steps from the bay. When the Carcarys transferred in, the exterior featured a mix of yellow siding, blue trim and exposed brick. The few painted the entire house precisely the same shade of white as the inside. Since they converted their garage into living space, they park their cars in the driveway.

Exterior paint: Ultra Pure White PPU18-6, Behr

Mina Brinkey

Shona and Shaun moved their family from South Africa to Florida nearly two decades ago. Reflecting on the change, Shona (shown here with their four energetic Chihuahuas) says, “I wake up daily sense grateful and blessed to be in this wonderful nation — our home.”

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Avast! 9 Spaces to Treasure for Talk Like a Pirate Day

Avast!  9 Spaces to Treasure for Talk Like a Pirate Day

For the ordinary landlubber, September 19 may come and go as a fairly uneventful day. For many others it is International Talk Like a Pirate Day, a parody holiday began by two guys in Oregon who believed everybody should glorify the times when swashbucklers dominated the seas by talking like a pirate, to get a minumum of one day a year.

There’s no reason the celebration can not extend throughout your home. For anybody channeling their inner pirate, or maybe just hoping to stumble upon a treasure that is buried, we’ve got a couple subtle and not-so-subtle tactics to drop anchor on a private schooner style.

Kuhl Design Build LLC

Just an actual pirate fan could fashion a galley like this custom-built loft by Kuhl Design Build. It has got a masthead with a “crow’s nest” and an ideal view of those seas ahead.

Kuhl Design Build LLC

Scallywags can board by means of a sturdy netted crosswalk affixed across the room’s far wall.

Kuhl Design Build LLC

This genuine layout boasts its own wheel brace, a climbing rope to the main room and a comfy nesting bed for artifacts that are weary.

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Polhemus Savery DaSilva

Offering an identical playroom-type escape, this nautical hull has a more complicated sense than that of rugged skull-and-crossbones pirate style.

John F Buchan Homes

Anchors aweigh! There are more than a few tactics to drift off to dream of fair maidens and digging a trove of pirate’s booty. This anchored bed is front and centre in metal with matching bedding. A faint treasure map painted behind attracts the subject together.

Trade Mart Interiors

“X” marks the spot with vivid reds and blues here. The galley painting across the far wall serves as an elaborate headboard to a very simple bed frame, even though a treasure map having singed edges along with a winding pathway leads the way to buried treasure.

Continuing the map theme, this very simple wall map contributes aspiring pirates to a world of experience. Pops of reddish on the muted mocha tones add intrigue and bring the mural and furniture into equilibrium.

In this room fit for Captain Jack Sparrow, dark wood furniture and warm brown tones create a more sophisticated atmosphere. The space is accented with abundant leather seating and balanced with wall pliers and skull-and-crossbones decoration.

The Collection German Furniture

You don’t have to transform a whole space to admit your love of salty dog sea voyages. Small details like this treasure map mounted in an integrated desk are subtle techniques to set the theme.

Keith Willig Landscape Services, Inc..

Shiver me timbers! This pirate-inspired tree house has a galley-style principal house, a climbing net and a pirate’s flag. The only thing missing is that an extended plank to walk.

Lompier Interior Group

Pirates grow up, but there is no rule that says you can not follow the lead of Peter Pan and stay a kid at heart forever. With clean lines and sleek sophistication, this living room remains rooted in reality, while the grand pirate ship picture on the primary wall says there is always room for setting sail to Neverland.

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Here Is How to Steer Clear of 10 Top Layout Don'ts

Here Is How to Steer Clear of 10 Top Layout Don'ts

Every home design project is beset with its own design difficulties, some of which require a trained professional to help solve. But there are things that I see homeowners do again and again that land them in a situation where their furnishings and interior scheme aren’t working, and they are not certain why. The reality is, if they only avoided a few common mistakes, their space will immediately feel fresh and professionally styled.

Listed below are the top design don’ts and some successful designs that show what to do.

Kate Jackson Design

1. Don’t push the furniture from the wall. You will have a more intriguing space if you allow breathing room around your pieces of furniture, as we see. Allow the furniture to float in the room, away from the walls. This will help create a conversation grouping.

The optimal distance for conversational seating is 4 to 8 feet. This is the Goldilocks zone.

Blackband Design

2. Don’t buy little, cheap throw pillows with strong types. Pillows ought to be ample, overstuffed and formable, such as these. Use soft, plush, down-filled pillows that can take a contour. There are great artificial fill options, also. Utilize the classic “designer’s chop” to determine if they will form up: a quick karate chop to the top edge to break up the pillow’s blockiness.

Get rid of any dead pillows that sit like a lump. Say goodbye to postage-stamp-size pillows and matchy-matchy ones that came together with the furniture. Rather, overstuff an 18-inch pillow cover with a 20-inch insert for a professional look.

Martha O’Hara Interiors

3. Don’t use a good-enough paint color. Paint color breaks or makes the look of a room. If it’s badly matched, the result will be weak at best. It requires experience and a trained eye to properly read undertones. Consult a pro on this one to place your outcomes ahead of the crowd.

17 Things Color Consultants Want You to Know

Tobi Fairley Interior Design

4. Don’t sacrifice light to trim your budget. The error I see most often is light fixtures that are too small or that do not dress the room properly. Use suitably scaled, relevant lighting. Lighting, more than every other element, asserts design, similar to a chosen piece of jewelry defines the design of a little black dress. Don’t be afraid to inject personality with a statement piece.

Blackband Design

5. Don’t skimp on area rug size. An area rug defines a grouping of furniture. Buy one large enough to lie under at least the front legs of each piece of furniture on your grouping.

11 Area Rug Rules and How to Break Them

Tobi Fairley Interior Design

6. Don’t isolate rooms. Create stream from 1 room to another by visually connecting adjoining spaces. Repeat a pattern or carry an accent color or another visual element (for instance, a leg detaiI) from 1 area to another.

Tobi Fairley Interior Design

7. Don’t skimp on drapery. More is more in this section. Pros utilize fabric yardage that is two and a half to three times the diameter of the window to get fully functional drapes. With fixed side panels (for show only), you can get away with cloth twice as wide as the window. Don’t skimp.

Custom Draperies 101

Cecile Lozano Interiors

8. Avoid being overly matchy. Don’t match textiles and furniture — relate them. A designer’s task is to create a collected look. Look for a collection of pieces with some thing in common, like style, motif, color, background, material or mood.

Blackband Design

9. Don’t forget the details that produce a piece specific. I occasionally find the hardest things for my clients to understand is that the details make the design. Nailheads, custom pillows, millwork trim and inlaid floors create a customized look that is drop-dead stunning from the space here.

Once you train your attention to observe the details, you will notice that a chair with a lovely turned leg carved with a skilled craftsperson is different than a mass-produced machine-made piece. Customized details are obvious in professional work. Contrast piecing or piping onto a pillow, or welting, nailheads or trim on a chair. Details, details, details create the result special.

Tobi Fairley Interior Design

10. Don’t stop until you coating. Designers utilize layering and repetition of elements and motifs to achieve a professional look. Many men and women get the concept of layering when it comes to fashion. In design it is not much different. Pick something you love, such as this particular patterned headboard, then replicate the color or the layout.

The artistry lies in stopping until the look gets too matchy (it always helps to toss in something sudden to accomplish this). Subtlety is key. Drapery, wallpaper, pillows, throws, bedding, accessories — all are great options for layering in a bedroom. You be the judge as to how much is enough.

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Got a Design Dilemma? Talk Amongst Yourselves

Got a Design Dilemma? Talk Amongst Yourselves

Judy Marusa’s Rhode Island vacation property was falling down. The structural bearing for the house was falling and if she did not find someone to deal with issue immediately, she’d be in trouble. Stuck on the issue, Marusa began browsing ‘s Discussions page, where she’s a frequent poster of and commenter on design issues. She found a article about a beach house in Rhode Island whose homeowner, consumer alazaro, was looking for hints on how to improve curb appeal. At the exact same thread, a pole by design-builder Joseph Yencho caught Marusa’s eye.

Yencho had remarked that he’d worked and needed a house in Matunuck Beach, near Point Judith Pond, in which Marusa’s collapsing house was situated. She clicked Yencho’s profile and found he was friendly, lively in discussions and had expertise. “The closeness was very lucky,” Marusa says. “He was nearby, so I said, ‘Let me just see whether that contractor is thinking about my circumstance'” She posted a comment immediately to Yencho describing her position and asking him whether he would be interested in having a look.

Since structural carpentry is Yencho’s specialty, the chance was a fantastic fit. “She did her study. Checked me out. Called on a Sunday. I finished breakfast and drove down there,” Yencho says. He discovered that the structural bearing was, really, collapsing. He jacked up the corner and installing new framing, fixing the issue. Marusa subsequently asked if he could examine some other issues. He’s now going down there two to three days per month rebuilding a section of her residence.

When the Discussions page launched in 2010, users posted a couple hundred discussions overnight. Now, ers have created more than 500,000 discussions — and counting.

Here’s how to get the maximum out of it:

The Discussions page is a place where homeowners discuss their remodeling experience, locate professionals to hire, assist other homeowners resolve issues and brainstorm design ideas. It’s also where experts find customers, network, offer advice and hone their problem-solving abilities. And the comments could be generous and ongoing. (“I need desperate help with decorating” has well over 3,000 comments and counting.)

Whether you have a query about a project, wish to connect with other design lovers, or just need some support as you renovate, here’s how to get the maximum out of ‘s Discussions forum.

1. Post a Design Dilemma

This is the main allure of this forum. Got a problem that you can’t resolve alone? Upload a photo and let the community consider in. Users can leave comments, offer suggestions and assist you navigate options for your home remodeling project.

How to get more responses on your article: Maintain your title brief. Pose a clear question. Include at least one photograph (you may post up to four, however, you can always leave more in the comments on your own post.) Post a URL to your issue on your own Twitter and Facebook accounts for more participation.

Strategies for commenting on posts: In case you copy and paste a web link from a photograph into a comment, the photograph will automatically appear on your comment. Likewise, if you copy and paste an Ideabook link, a photograph from this Ideabook will look on your comment. It’s a terrific way to share ideas and advice along with other users.

2. Filter by Topic and Activity

Users can toggle among distinct topics and action by highlighting different keywords on the left side of the page. Highlight Design Dilemmas from the Topics pub and play the Activity options. It is possible to view the most well-known discussions or you could change to see what’s fresh and has not been commented on yet.

Before & After is where you can get inspiration or share pictures of your own projects. Using is where you can discover more about how the website works. Consider it a natural FAQ page.

The Other section is for overall off-topic forum stuff. A Pro-to-Pro forum is visible if you’re set up with an expert account. These accounts are typically for builders, architects, interior designers, landscape designers and more to talk about business plans and how to use this website to their enterprise, and to share resources with one another.

When a query has been posted on any photograph on the website — What is this room’s dimensions? Or What is the paint colour on the wall? For example — the queries look in Photo Questions.

3. Make a Poll

Among the most fun features from the Discussions section is the survey, which any user may produce. Click on the drop-down menu on top, then emphasize “Make This a Poll.” Click on the green “Attach Images” text to incorporate a main image. This will also function as the cover image. Then attach photos to go with your query choices. You can also copy and paste the URL from pictures directly into the caption bar.

Poll tip: Maintain the surveys simple and clear. Case in point: Post a picture of your living space with the question “Which couch style is ideal for my living space?” This will let the community vote which they like best for your space.

4. Find superior Topics

Utilize the search bar to locate discussion topics which interest you. Again, play the Topic and Action areas on the left, then use the search bar to search for discussions regarding “fireplace mantels” or “Rust-Oleum cupboard transformations.”

Search tip: If you’re the owner of a product or company, search here in the discussions to determine what people are saying or should they have queries you can help reply.

5. Locate Top Commenters and Featured Discussions

Look for the top commenters for recent action and to find interesting, active people to follow . Click on the person’s page and you may see each of the discussions he or she’s been active on.

Featured discussions are curated from the community managers based on quality photos and a fascinating story or issue. If your issue becomes featured by , it gets posted on ‘s Facebook page and perhaps will appear in the weekly newsletter, which may generate lots of responses.

Your flip. Have your own dilemma or project to discuss? Start your own conversation here.

More: 9 Power-User Tricks to Get More From

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Calm, Cool and Collected in Downtown Toronto

Calm, Cool and Collected in Downtown Toronto

Taylor Russell has seen a lot of interiors. After living in hotels for six years — her job in a communications agency had her moving every four weeks to places like Kuwait, Pakistan, Spain and Barbados — she underwent hundreds of distinct living spaces. Over enough to realize what fashion was right for her.

“I was most drawn to bright, airy spaces that were open and inviting, with pretty and intriguing pieces — places where you could curl up comfortably on the couch one night and host a cocktail party the next,” Russell says.

Burned out from her busy schedule, Russell quit her job from a pay phone in Heathrow airport back in 2007 while transitioning from a project in Kuwait to Jamaica. She bought a one-way ticket for her hometown of Toronto and chose about the flight to get a home. Four days after she bought a preconstruction condominium unit in the King West neighborhood.

in a Glance

Who lives here: Taylor Russell, entrepreneur, and her mini Australian shepherd, Hayete
Location: King West neighborhood of Toronto
Size: 1,250 square feet; two bedrooms, 2 baths

Andrew Snow Photography

Russell’s globe-trotting crash course in interior layout was not the one thing on her side. Her parents greatly influenced her new home decoration, too.

Their sculptures and paintings are featured throughout the area, and when Russell’s mother retired as a interior designer and owner of B.B. Bargoon’s, a well-known Toronto design store, Russell (shown here) inherited a number of her mother’s beautiful pieces that Russell had grown up . “Our homes were always beautifully decorated while being inviting and comfortable,” Russell says. “My parents never wanted to live in a museum but wanted to make spaces for us to like a family and while entertaining friends. The house was always full of wonderful pieces from around the world, each with its own story.”

Russell and Hayete relax on the living room couch, which came out of her mother’s store. A refuge for downtown dog owners, the neighborhood has six nearby parks and quick access to the waterfront, which the duo takes full advantage of.

Sofa: classic, B.B. Bargoon’s

Andrew Snow Photography

Needing her home to feel hot in the winter and cool in the summer, she landed a palette of mainly whites and camel browns with a bit of blue in the bedroom and green from the many plants to give the room a refreshing feel.

Russell’s sister discovered the massive coffee table with a chrome base on the road and wrapped it home. Russell’s mother painted the flower painting.

Chairs: classic, Lazy Farmer Antiques; coffee table: vintage, located on the road; painting: Bonnie Bickel

Andrew Snow Photography

This rock mantel came from Russell’s childhood home.

Andrew Snow Photography

Sofa, chair, lamp: B.B. Bargoon’s

Andrew Snow Photography

A cupboard near the stairs includes a collection of artifacts and other objects. Feminine elements, such as the gilded mirror, are contrasted with rustic, industrial pieces, such as the rusted letters.

Andrew Snow Photography

Tucked underneath the stairs, Russell’s office area — she co-owns Tkaro, that creates a portable drinking glasswith her sister — joins ornate, crafted elements using midcentury classics. The planter stand originally stood in her childhood home, and the painting on the wall is with her mother.

Office chair: Eames Aluminum Management Chair, Herman Miller; painting: Bonnie Bickel

Andrew Snow Photography

The completely modern kitchen combines high-gloss white kitchen cabinetry with granite counter tops.

Andrew Snow Photography

Chandelier: classic, from Mexico; portable drinking glass: Tkaro

Andrew Snow Photography

Dining chairs: A Chair, Tolix

Andrew Snow Photography

The entry gallery includes images taken by Russell while living overseas.

Andrew Snow Photography

Classic vases hold blossoms purchased around the corner. Russell was attracted to the King West neighborhood because of its proximity to both downtown and the significant highways out of the city — perfect for weekend getaways. Lots of Toronto’s finest restaurants and bars are within walking distance, as are multiple parks and the waterfront.

Andrew Snow Photography

Keeping an office downstairs has enabled Russell to turn the den into a guest bedroom. A classic American flag atop a mirrored cupboard makes for a stunning focal point there.

Andrew Snow Photography

The lofted bedroom overlooks the living room below, taking advantage of the soaring 24-foot ceilings. The chandelier, repurposed here as a nightlight, was sourced on a trip to a tiny Mexican city.

Andrew Snow Photography

Seat: A Seat, Tolix

Andrew Snow Photography

The serene master en suite comes with a large window that looks into the bedroom.

Andrew Snow Photography

Sink: Duravit

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Feminine Charms in a Chicago Rental

Feminine Charms in a Chicago Rental

Alaina Kaczmarski has a knack for design. The proof is at the DIY touches which improve her Chicago lease unit’s original architectural details. Kaczmarski, a stylist, writer and cofounder of the blog The Everygirl, used her trademark color palette of pinks, blacks and grays to liven elements such as floor-to-ceiling built-ins and exposed wood beams. The end result is a style that is glowing, dark, casual and funky all at one time.

at Glance
Who lives here: Alaina Kaczmarski, her roommate and both Cockapoos, Tucker and Fiona
Location: Buena Park neighborhood of Chicago
Size: Around 1,500 square feet; two bedrooms, 1 bathroom

Cynthia Lynn Photography

This gallery wall at Kaczmarski’s workplace is an ever-growing collection of online finds and travel souvenirs. “There is a painting I bought in Montmartre, my first actual work of art, and also my personal-credo ‘Live what you love’ letterpress poster that serves as a daily reminder to do what makes me really happy,” she says.

Her cherished puppies, Fiona and Tucker, love lounging on her couch while she works.

Lamp: Neenas; Color: Sabine, Lulu & George; pouf: Amazon; throw pillows: Caitlin Wilson Textiles; “Live what you love” printing: Heartfish Press; “I believe you” printing: Birdaria; wall paint: Middleton Pink, Farrow & Ball

Cynthia Lynn Photography

Kaczmarski, revealed with Fiona, enjoys the positioning of her Chicago apartment. “There is always something new to do, and each of those regions all offer such distinct energy and types of individuals,” she says. “I never get tired or feel as though I am constantly going to the same place.”

Desk: parson’s, West Elm; rug: Rugs USA; pencil holder: Furbish

Cynthia Lynn Photography

A huge corkboard across from her desk retains invitations and decorating ideas. “My advice to other homeowners is, don’t worry over ‘completing’ your home,” Kaczmarski says. “Gradually acquire pieces you love and revel in the process of making it your own.”

Cynthia Lynn Photography

The blush hue on the walls — Middleton Pink by Farrow & Ball — matches this white built-in Fireplace, which Kaczmarski uses as a minibar.

Cynthia Lynn Photography

The home office space had been originally the dining area, but Kaczmarski had small use to get a big dining room. Now she uses the distance — seen from the kitchen — for Everygirl group meetings.

Dining table: walnut, Fashion for Home; kitchen shelves: Goal

Cynthia Lynn Photography

Kaczmarski took benefit of the apartment’s built-in fireplace and mantel, personalizing the shelves and mantel with knickknacks and keepsakes.

She added a little dining table into the oversize living room to create more room for entertaining guests. The chairs are Craigslist finds.

Dining table: Docksta, Ikea; wall mirror: Sunburst, Layla Grace; Paris Ferris Wheel picture: Etsy

Cynthia Lynn Photography

In the living area, Kaczmarski painted the walls grey to keep a neutral palette, layering at a graphic floor carpet and vertical bookshelves to allow the spines of her novels serve as graphic accents.

Rug: Rugs USA; pouf: Lulu & George

Cynthia Lynn Photography

Two of Kaczmarski’s favorite designers are Erika McPherson Powell of Urban Grace Interiors and Brad Ford ID. “Their layouts are both rooted in neutral, traditional style, but each of these adds intriguing, fresh elements which take them into the next level,” she says.

Lamp: Euro Style Lighting; lacquered box: Furbish

Cynthia Lynn Photography

Kaczmarski is on the search for a great steal. She picked up her coffee table at a Jayson Home & Garden warehouse selling. Her latest splurge, and her first major investment bit, is the Carlisle couch out of Pottery Barn.

Coffee table: Chelsea, Jayson Home; ostrich printing: The Animal Print Shop; cushions: Serena & Lily

Cynthia Lynn Photography

Kaczmarski produced a gallery wall round the tv, so the black screen wouldn’t be intrusive.

Cynthia Lynn Photography

Inside her bedroom she went with an unconventional shade — pitch black. “I had a black wall in my old workplace and absolutely loved it,” she says. “I thought it would be surprising to bring that color into the bedroom. This could have been very hit or miss, but it ended up being a very cozy, den-like space.”

Bed: Skyline Furniture; linens: Serena & Lilly; “Lust” pillow: Jonathan Adler; paint: Pitch Black No. 256, Farrow & Ball

Cynthia Lynn Photography

The bedroom is where she feels most at home. “It is so cozy — I never need to leave it! Sometimes I just work from bed,” she says.

Nightstand: West Elm; lamp: Euro Style Lighting; mercury bottles: Jayson Home

Cynthia Lynn Photography

On her dresser Kaczmarski uses vintage teacups to display and arrange her jewelry. A classic brass mirror rests on top, using a snapshot of her and her pups tucked in the framework.

Cynthia Lynn Photography

Kaczmarski’s biggest challenge was to convert the wood-paneled bathroom from its log cabin style. She transformed the distance with a few coats of white paint and by painting the centre ray a black.

Rug: Layla Grace; tote bag: Feed; accent paint: Pitch Black No. 256, Farrow & Ball

Cynthia Lynn Photography

Hand towels: West Elm; topiary: boxwood, New Growth Design

Cynthia Lynn Photography

Maintaining everything white on white at the bathroom made the somewhat narrow space brighter.

“My home is a means to express myself because I grow older — to change and adapt to new tastes and interests as they unfold,” Kaczmarski says.

Shelving unit: Expedit, Ikea

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