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Archive for November, 2010

A contemporary bedroom

Tuesday, November 30th, 2010

Creating a clean contemporary bedroom is really about comfort and individualism and should be designed and decorated accordingly. It is a personal space and should enable you to relax, have a good rest and recharge your batteries ready to face the challenges of the next day.

White walls and wooden floors are popular and look ‘classically’ contemporary. Alternatively you could use decorative wall panels for a truly artistic and contemporary look. Fabric wall panels will definitely add a soft, comfy feel to your bedroom and you can have sound absorbing panels too. If your budget is limited, you could just cover the walls with fabric which should create similar effects.

Blackout curtains and blinds are excellent for a good night’s sleep. They are without doubt contemporary materials but some may feel, as they do with stainless steel worktops in kitchens, that they look rather industrial. If you do not like the look you could use a wide triple curtain rod for example and install the blackout curtain next to the window, before your sheer and normal curtains, so that it will not normally be visible.

Low platform beds are in fashion at the moment. Some have extra extending platforms which are used as bed side tables or benches. A footboard bench is a great space saver as the bench folds away neatly when not in use. You can even save more space by using footboard chests. If you love watching TV in bed how about a TV bed – it has a flat screen TV stowed in the foot end, this type of bed is without doubt expensive, but is the epitome of modern, contemporary living. Of course if the bedroom is to have such expensive items it is a good idea to make sure your household insurance cover is appropriate.

In place of traditional bedside table lamps you can install swing arm wall lights or recessed down lights at the head of the bed for a neat contemporary look. Use of dimmer switches will add different moods to your bedroom.

Most contemporary bedrooms will not include a bed festooned with bolsters, drapes and pillows, but it is still acceptable to use these items, just don’t go over the top.


For a great nights sleep, try dark blinds.

Posted in Home Insurance | 3 Comments »

A bedroom needs to be relaxing

Thursday, November 25th, 2010

A bedroom is the one area of a home where it should be easy to relax and recharge before going to sleep. The bedroom is thought to be the true soul of any home, even more so than the living room or kitchen. When considering new ideas for the redesign of a bedroom, the colours, fabrics and styles all need to be correct to achieve a totally comfortable and peaceful bedroom.

Creating a bedroom which is well designed will depend on the type of atmosphere the homeowner wants to convey when someone enters the room and a popular choice is a relaxing bedroom. Whatever type of setting one requires it is important that the room reflects the personality of the person or people who are to occupy the room. In a nutshell, it should represent their personality. Once the ideas have begun to take shape it is then time to begin thinking about colours, fabrics, and the type of furniture for the room.

The bed will usually be the focal point of the bedroom. Choose soft, plush bedding which makes it easier to relax in. Add some small throws to wrap up in, for the times when a heavy quilt would be too warm. Maybe buy an adjustable bed which allows a person to sit up and read in bed or just to have some extra support where it is needed. Always remember that it is important to update the household insurance when any expensive items are added to a home.

Many designers suggest that homeowners forget about buying large pieces of furniture for the bedroom such as a dresser, a French armoire or a chest of drawers. Instead, the interior design trend is to build some beautiful storage units into the wall, because by doing this any personal and private items will be hidden away, yet still be totally accessible when they are needed. After selecting the furniture, how about a nice flat-screen TV to hang on the wall? And a surround sound system to get the best effect from the TV.

Choose soft, gentle neutral colours. Creams and soft yellows are very relaxing colours. They are also fairly easy to match. Those colours will coordinate with and complement a lot of other colours as well as styles and themes that can be used in a relaxing bedroom. Add some soft lighting or dimmer switchers to make the bedroom more relaxing. Use recessed lighting or frosted, low watt light bulbs in all the fixtures. The more sources of diffused lighting that there are, the more relaxed everyone will feel.

There really is no limit to the types of décor to chose from in a relaxing bedroom and when someone is surrounded by colours, furniture, and accessories that allows them to shut out everyday pressures, they will feel at peace, and they will get a good night’s sleep.

Keeping your things hidden away makes you feel more relaxed

Posted in Home Insurance | No Comments »

Households need to look after expensive Christmas gifts

Tuesday, November 23rd, 2010

New Year’s Eve is generally considered to be the festive season’s worst day for burglaries. Homes are 25% more likely to be burgled on December 31st than on any other day of the year as thieves throughout the country take advantage of people who leave their homes unoccupied and full of expensive gifts received just a week before.

The cost of being burgled over the festive season will be much higher than on a normal day because of all the extra expensive items in their home. Homeowners should take extra security precautions over the Christmas and New Year period to make sure that their spirits are not dampened by a thief on the lookout for newly unwrapped items.

As millions prepare to hit the high street next month buying Christmas presents, insurers are warning that expensive electrical items will be high on a thief’s wish-list. Technology moves on quickly, items being bought as gifts include mobile phones, iPods/MP3 players, Sat-Nav systems, digital cameras, games consoles, laptops, LCD TVs, Pocket PCs/Blackberries. All are expensive and all are very easy to carry for unscrupulous thieves.

In the run up to Christmas, households should not leave the presents under the tree nor should they be hid in obvious places such as wardrobes, under the bed or in the shed.
Of course everyone would like to put the presents under the tree for Christmas Eve but before the big day make sure that they are hidden away somewhere safe and not in full view by anyone passing by.

The loft is a great hiding place for presents before Christmas as the average burglar will not have time to climb into the loft and it’s also a safe place to keep presents from excited children who are desperate to get a sneaky look at what they can expect on Christmas morning.

It is also a good idea to speak to the household insurance company whenever any expensive items are bought to have the policy updated. For example a new wide-screen television may bring the contents cover over the limit. Never discard whole boxes in the dustbin, as this will give a thief some clues about what they will find in the home. Instead why not take the box to the local recycling site. Anyone out and about on New Year’s Eve should leave some lights on and make sure all doors and windows are securely locked.

Tags: Home Insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance | No Comments »

A rented home can still be decorated

Thursday, November 18th, 2010

When it comes to decorating a home there are many options. That is, if the property is owned. However, if it is rented then the options can be somewhat limited. Normally when renting, a landlord will not allow any major changes to be made to the property.

But what can be done to decorate the home and give it a more personal look when renting? There are still some great ideas which can help turn a dull boring home into a fun and exciting one, without the need to make any major changes and risk upsetting the landlord. Regardless of whether the property is rented or owned always take out household insurance.

A few ideas would include using paintings and pictures which will add colour to the walls and will even show off a personal style. Adding plants will also give colour and style to the home. Use a bookshelf to display some unique items that have been collected through the years. Throw some cushions onto a sofa to help change the whole atmosphere of the room and give it much more character. Use rugs which will change the appearance of the flooring and give the room a brand new look. Choose the curtains carefully as the correct curtains can have a dramatic effect on the room.

Utilize some lamps to change the lighting and also enhance the whole room. Try using either table lamps or standing lamps. These are all good ideas which can help change the appearance of a home in a rented property without doing anything which might void the contract with the landlord. Just because the home is rented does not mean that a tenant can not be resourceful and easily create personal style.

If a rented property has the walls painted a neutral colour then it is not always necessary to hang anything on the walls, instead, focus on the right combination of furniture and accessories to add some colour to a room. Make the sofa the focal point of the living room and anchor the sofa with a neutral coloured rug which will set off the colour scheme of the sofa.

Unfortunately, some renters will only have limited opportunities to get the décor changed. No matter how strict the home owner is, anyone can easily make a rented house feel like home. Moreover, it does not make sense to make major investments in a house that belongs to someone else. Just remember to have fun, take risks, and think outside of the box.

Posted in Uncategorized | No Comments »

Home entertaining

Tuesday, November 16th, 2010

Entertaining is a fundamental pleasure for those who are proud of their home and is often the springboard for success in career or friendship.

If you are entertaining guests or work colleagues you might like to serve a three course meal in a slightly formal setting to impress them.

A clean, white table cloth will always make the table look elegant and classic. It is also easier to co-ordinate with other tableware and accessories. If you are using a rectangular table then a table runner would make it look spectacular. Decorative napkins or napkin rings can also accentuate the table setting.

The dinner plates should be placed neatly with regular intervals. If they have patterns you need to make sure that they are facing the same, right direction. The cutlery will be placed in the order it is to be used, from the outside. So the knife will be placed to the right of the plate, then the soup spoon or any other cutlery for the starter. To the left will be the folks. The desert spoon and fork will be placed above the plate, the bowl of the spoon facing left and the fork below facing right. The water glass will be placed above the knife followed by the red wine glass and then the white wine glass.

They all should be placed neat and tidy, but if you think there are too many of them you could remove the desert spoons and folks and bring them with the desert. Or you could use just one wine glass. The main purpose is to have an enjoyable dinner with your guests and not to intimidate them or make them nervous with too many knives, forks and glasses.

If you are having many guests you need to make sure there are enough salt & pepper sets and butter dishes on the table to prevent a “queue”. For finishing touches flowers and/or candles in the middle of the table will look elegant and beautiful but they should be small so that the guests can see and talk with other guests comfortably and without obstacles.

Also remember that old saying the more the merrier can also mean the more the chance of an accident. If any of your guests spills or drops anything, don’t make a fuss. Deal with it calmly; telling yourself and your guests that it is exactly what the  household insurance is for.

Tags: Home Insurance, household insurance
Posted in Contents Insurance, Home Insurance | No Comments »

Decorate a room in a beautiful Moroccan Style

Thursday, November 11th, 2010

Moroccan design takes it influence from its French, Spanish and Portuguese roots. It has many different décor elements, which all go to make it both an interesting and beautiful type of interior decoration. Many homeowners who wish for an exotic scheme for the home will create a Moroccan style.

To obtain the perfect Moroccan look will require a lot of work and a lot of different items such as some brightly coloured silk brocades, a wrought iron table, a tiled floor, some Persian rugs, some large potted plants and some handmade pottery to name just a few. All of these items will contribute to concocting an eclectic mix of colours, styles and patterns. The final result of this gorgeous blend of cultures will be a beautiful interior with gorgeous visual appeal. It can be expensive to buy all the items so make sure everything is covered on the household insurance policy.

Paint the walls and ceiling of the room in a rich jewel-toned colour that resembles the sea and desert. The colours blue, green and gold are regularly used to create this style of décor. The sunset colours of red and orange are also quite often seen, so why not paint the ceiling and walls in one of these colours which will act as the backdrop for the Moroccan design.

To create the full Moroccan look go for a tiled floor and accent it with a few brightly coloured Persian floor rugs which when arranged at different angles will give an exotic look to the room. Add some Moroccan inspired furniture such as a wrought iron table and a sofa that has some animal hide covers which will give an authentic touch to the Moroccan interior design of the room. Some silk brocade cushions will give that oasis feel to the room. Moroccan interior décors are renowned for using cushions in geometric designs.

The lighting will need to be appropriate and a Moroccan style room will need ornate lanterns, a chandelier or a sconce. Adding a few detailed lights will give the perfect look and feel. Moroccan-style décors are always tropical and exotic and by adding some large potted plants such as papyrus, that extra layer of style will be on show. For the accessories, go for some brightly coloured accents. Finish the desired Moroccan look by adding some large, handmade pottery and vases for the finishing touch to complete the Moroccan style of the room.

Posted in DIY, Home Insurance | No Comments »

Brighten up the entrance to the home

Tuesday, November 9th, 2010

The outdoor step of a house is not the most exciting aspect of any home, however, that does not mean that it should be ignored, indeed if it is ignored and left in poor repair it can bring the whole appearance of the house into question. But by painting the steps, the look of the dull, boring, unpainted concrete surface can be enhanced. It is both the easiest and the cheapest way of improving its visual appeal. The paint will give a refreshing look but it will also help to protect the concrete surface from regular wear and tear.

For this easy painting job some materials will be needed. These include masking tape, concrete paint, a heavy duty paint stripper, a paint brush which has firm bristles and a paint roller.

The first thing to do is clean the surface of the step where the paint will be applied. It has to be cleaned thoroughly to get rid of the dirt, grease and debris because all of these will prevent the proper adhesion of the paint. If the step has some old paint on it then this will have to be removed completely, this can be done very easily with the help of a heavy duty paint stripper.

Next job is the preparation of the step surface which starts with any concrete step repair. Look for cracks, bumps or holes on the step. Any uneven bumps on the step will have to be sanded down. When this is all done, sweep off all the debris from the step. Any cracks and holes found will have to be smoothed up with some patching material. Allow all the repaired areas to fully dry before starting with the job of painting. Then cover up all of the adjoining areas of the step so no paint will get onto them.

When the concrete surface is clean and dry, it is time for a coat of primer which is done to ensure better adhesion of the paint is achieved. (Use a concrete or masonry primer). After applying the primer, leave enough time for drying before starting to paint. Times can vary so read the instructions on the tin.

Now it is time to paint the steps. When choosing a concrete paint, the texture is very important. A smooth finish is going to make the steps quite slippery during wet weather so it should be avoided. For this reason, the ideal paint will require a suitable additive such as something to make it non-slip; this will improve the grip when it is raining. Paint the edges and corners with a brush and for the rest of the surface, use a paint roller. To get the best results, apply a few thin coats of paint onto the surface. Only apply a fresh coat of paint when the previous one has fully dried. A single coat of concrete coat paint will normally take up to four hours to dry but if it is a layered coat, the drying time will be double. Never leave any open door unattended while doing this job as an opportunist thief may mean a claim on the household insurance.

Posted in Home Insurance | No Comments »

Retail therapy still a favourite cure in the UK

Tuesday, November 9th, 2010

It seems that homeowners across the UK will be spending their hard earned cash on other things as well as household insurance in the next 6 weeks.

A report by accountancy firm BDO forecasts that Britain’s high streets will see a rush of shoppers eager to spend their hard earned cash on a Christmas treat before the increase of VAT to 20% in January.

The company believes that the retail industry, which has survived a difficult year relatively unscathed, will have a good November and December despite the austerity measures imposed by the government. A statement by the firm said “2010 has felt like a bit of a phoney war. Throughout the year the consumer has largely been sheltered from the full effects of the downturn due to low interest rates and constrained levels of unemployment. As a result retail spending has held up much better than expected.

It may sound like a cliché but Christmas always comes every year and consumers pretty well always spend more every year whatever the state of the economy. Even in 2008 after the collapse of Lehman’s and the financial meltdown that saw sales fall off the proverbial cliff in the autumn, consumers still spent relatively heavily at Christmas.” The company believe lively festive period sales will see the retail sector return 3% growth for 2010 as a whole.

The firm anticipate sales holding up in 2011 even though consumers will have the VAT increase, extra taxation and possible job insecurity to face. It is for sure that the VAT hike will affect inflation but retailers are pinning their hopes on the great British consumer continuing their love affair with “retail therapy”.

Posted in Home Insurance | No Comments »

Celebrate the new home by having a party

Thursday, November 4th, 2010

Having a housewarming party is a great way to introduce family and friends to your new home as well as a chance to meet the neighbours. The housewarming party is best done as soon as possible after the move has been completed. There is no need to wait until every room has been painted and every picture hung to invite everyone around. Decorating is never ending anyway and friends and family will be there to celebrate the new home, not the decorating skills and paint choices, and as for the neighbours well the sooner they see you are hospitable, then the better.

Everyone will be far more interested in seeing the new home during your party than wanting to see decorations, so there is no point in spending lots of money on grand schemes. The best thing to do is keep it simple. Maybe a few balloons, a nice tablecloth on the dining room table, and perhaps have a welcome banner. Apart from that, a few candles and some fresh smelling flowers are a good choice. Be careful where the candles are placed as nobody wants to have to claim on the household insurance in the first few weeks of the policy. Use paper plates, napkins and some plastic knives, forks and spoons as it will save having a pile of washing up at the end of the night and at least mean all the cutlery is matching.

For the food, simplicity is once again the best option, because with greeting everyone and showing them around the house there will be no time to serve a sit-down dinner. Instead serve nice finger foods that are user friendly. For example have sandwiches, meats and pies, a fruit and vegetable tray and appetizers. Have some basic drinks and hors d’oeuvres and if it is summer and the property has a big garden then the relaxed atmosphere of a barbecue is an ideal format for meet and greet.

A different idea is to have some food set up in several different rooms (that way the guests will be greeted with some nice little surprises as they take the tour) However if this is done make sure to have small plates and napkins on hand in each room. This is also a good way to get strangers talking to each other.

Posted in Home Insurance | No Comments »

The laptop is a more popular choice by internet users

Tuesday, November 2nd, 2010

Technology has taken giant steps forward in the 21st century, with enhancements and changes constantly made to improve our modern communications systems. When a breakthrough is made in technology it only remains a breakthrough for a short time before further advancement is made. While both the laptop and the desktop are improved yearly, there is still a debate over which is better. Whichever one is bought, always inform the household insurance provider and have the policy updated.

Many believe that the laptop is the only winner as it is much more convenient and the desktop pales in comparison to its lighter, smaller, and more travel friendly counterpart. The choice over which is best will vary though with the needs of the user.

If the winner was based purely on convenience, the laptop would win hands down. A desktop can not really be picked up and taken anywhere. If access to the internet and email access is needed anywhere and everywhere then the laptop is best. It has very few leads and is wireless. Year on year laptops are getting smaller and more efficient, it is even possible to buy one that can fit in one hand! A desktop computer can take up a lot of room and even though they are also getting smaller each unit is individual, i.e. the hard drive, the monitor and the speakers. Whereas with a laptop, pretty much everything can be done as it is.

A laptop will only be as good as the life of its battery. Anyone who has been away and realised the battery level is getting low will know it is one of the downsides of a laptop. Some laptops will have a life only 4-5 hours. This is not a problem with a desktop as it will always be fully charged. The convenience of having a laptop on the train will not matter much if the battery is dead. When they first arrived a laptop was considered to be less powerful than a desktop, however that no longer applies. Today a laptop is excellent in the power department which means a faster, more efficient machine.

Anyone who does not like the wires and leads that are associated with the desktop computer should go for the convenience of the laptop. On the other hand, if the idea of spending less to get more appeals, and commuting is not done regularly then the desktop PC is the best choice.

Tags: Home Insurance, internet users
Posted in Advice for Tenants, Home Insurance | No Comments »

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