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Cool that bedroom down

Tuesday, July 5th, 2011

The advent of summer is now well and truly underway. Wimbledon has passed but long hot summer nights are still something to enjoy or endure for the next couple of months.

It would be wonderful to bring the sunlight and breeze into your bedroom not only through open windows but by the use of colour. In general colours should be switched from dark to light. Sheets, bed covers and spreads should be changed to light coloured ones so that they reflect sunlight. Use of sheer curtains will soften the direct sunlight and heat and insulate the room White, light blue or light yellow walls will be refreshing, but as long as you use a light shade any colours should make the room look bright and ready for summer. Bed frames, chairs and other furniture can be repainted similarly. If you need some accent then deep yellow, orange, blue and red can be used for cushions and skirting boards. It is the type of home upgrade that can be completed without the help of a professional, if you are careful and covered by a good home insurance policy.

Get rid of the heavyweights

Materials should also be switched from heavy to light. Anything woolly, velvety or fluffy should be replaced with light and thin materials. Cotton is the ideal summer material as it soaks sweat and gives you a cool feeling. Nylon is light and water resistant and is a cheaper alternative. Linen has an exceptional coolness and freshness but is costly.

No need to lose sleep

The interior design should be kept simple with minimum furniture and decoration to create an airy, relaxed feel. Images of flowers, plants; sea, blue skies, birds and boats/yachts would be good for decoration themes. Rattan effect bed frames, chests and chairs would look pleasant and summery. You can use accessories such as baskets, glass bottles and fresh flowers, and hang pictures of your past summer holidays on the walls. There is no need to splash out on expensive items so you shouldn’t lose sleep over high home insurance costs. To ensure a good nights’ sleep on hot, humid summer nights no matter what may be worrying you, sprinkle citrus, tangy summer scents around the bed and it will be soon settle you down.

Tags: bedrooms, Home Insurance, interior decor, summer
Posted in DIY, Home Insurance | No Comments »

Wallpaper or paint?

Tuesday, June 28th, 2011

With many homeowners accepting that a proposed house move is now out of the question because of the current stagnation in the property market, they are turning instead to improving their current home to make it more suitable to their needs.

Fresh outlook created quite easily

It is surprising what a coat of paint or a roll of new wallpaper can do to a house and a room facelift will often leave homeowners wondering why they wanted to leave in the first place. It doesn’t have to cost a fortune and it allows homeowners to experiment with new ideas, although it is always best to check ones home owner insurance if the new ideas are quite radical.

Wallpaper makes a big impact

Wallpaper is generally considered more aesthetic than paint. It adds so much character to a room and a Victorian style house without wallpaper would be just unimaginable. It has a nice and warm texture that is incomparable. However, as it is so characteristic it can dominate the room and sometimes it may be difficult to arrange or change your furniture, accessories or even pictures. Remember though that wallpaper is not strongly associated with a contemporary look so it may not be considered “the in thing” at the moment. It does add value to your home but may not be everyone’s cup of tea.

Paint is an easy option

Paint may not be as aesthetically strong or pleasing as wallpaper but simple wall decoration is more flexible and easier for interior coordination. This is why paint is the most popular and practical wall treatment at the moment. If you would like some texture you can apply textured paint or faux finishes. Many decorators will choose to go with an “accent wall” by painting one of the walls in the room a different colour. You can even have a mural wall or two if you wish.

Which method is the most economical?

Wallpaper is more costly and time consuming to apply than paint. However, it may prove more cost effective in the long run as once applied it should last up to 10 to 15 years, while paint may need more frequent applications. Wallpaper application must be precise as the patterns need to match. It can be easily soiled or damaged and may peel in humid conditions. Once damaged it can be costly to replace unless the accident is covered by household insurance.

Background or forefront?

With paint it is easy to hide imperfections and if part of the wall is soiled or damaged it can be quickly repainted and fixed. You can change colours as you like, it can give your room an instant makeover. The important point to remember is that in many cases the purpose of paint is to be almost invisible while the purpose of wallpaper at all times is to be on display.

Tags: Home Insurance, interior decor, property market, wallpaper
Posted in DIY | No Comments »

Homeowners cutting back on home improvements

Thursday, June 16th, 2011

A recent online survey of homeowners has revealed that many are now actively looking for ways to save money, as the realisation that the drop in their standard of living is not going to be a temporary blip, starts to hit home.

Many homeowners delaying projects

The survey carried out by a company that deals with home insurance quotes showed that almost a third of those questioned in the survey said they were putting off maintenance projects that really should be done, while over 50% said they would consider doing jobs themselves if it meant they would be saving money.

It’s not only maintenance jobs that are being delayed, of those questioned 1 in 5 said they had delayed the fitting of a new kitchen, while 1 in 6 said they had put off the installation of a new bathroom.

Difference between cosmetic change and urgent repairs

Of course it makes sense to delay home improvements that are simply cosmetic makeovers. If the family budget is being stretched, there is no point in spending cash that has to be borrowed when you are not sure how you are going to pay it back. Either do the job yourself, you can literally save thousands of pounds doing this, or try and put up with a dowdy room until your financial position improves.

Putting off home repairs is somewhat different however. If heating radiators are in need of repair then it is best to find money for the job. The radiator may leak and damage carpets and flooring which then becomes altogether more expensive, and even if you are covered with home contents insurance the resulting claim will see your future premiums rise. A leaking roof or window can mean even more trouble.

Cancelling insurance could be playing with fire

The survey also revealed that 1 in 12 homeowners were actually thinking of not renewing or possibly delaying their home insurance policies in a bid to save money. It is a dangerous option! We take out insurance basically to cover for the unexpected, and unfortunately the unexpected always happens when we least expect it, you can almost guarantee that delaying renewing a policy will invite accidents to happen.

Legal obligation

Another thing for those considering such an option is to remember that if the home is mortgaged the lender will legally require you to have a buildings insurance policy in place.

Tags: Cutting Back on Home Improvements, DIY, home improvements, Home Insurance, Home Insurance Quotes
Posted in DIY | No Comments »

Make Christmas a fun DIY activity

Thursday, December 30th, 2010

With just a little planning anyone can give a Christmas present which is original, thoughtful, recycled and home-made. It can even be one that will make a small difference to the environment. Giving gifts at Christmas is a tradition which has been passed down for generations. It is not just about how much money has been spent, it is also the time and effort put in that makes a gift special.

There really is nothing like making a Christmas present, putting a bit of “love” into it and then seeing the recipient break into a smile when they discover what is hidden behind the ribbon and recycled paper. There is a wealth of wonderful things to cook, craft, sew and even grow for that green Christmas of giving.

Knit a tea-cosy and add some organic tea, some embroidered napkin holders and a tablecloths. A patchwork table runner and place mats will make any table setting look beautiful. Some people will find the thought of making Christmas gifts a waste of time, but for others it’s a yearly routine which can save money too.

After another year of financial uncertainty, many households are looking at ways to cut the cost of Christmas, it may be setting a smaller budget, or choosing less commercialised presents and instead going for more imaginative ones. Taking a DIY approach to Christmas presents can be fun and money can be saved, this is money which can be used on heating bills or household insurance.

A popular gift is a cake stand as this can be made using upturned tea cups and can be made for next to nothing. Another idea is to make a large Christmas cake, then cut pieces from it and make mini Christmas cakes which can be individually decorated. These can then be put into home-made hampers for family members and can also include home-made jams, chutneys, even home-made truffles and assorted candies can be made at a much reduced cost. There is no end to what can be done, from infused olive oils to cakes, which will be as pleasurable to receive as they are to make.

Hand-made gifts do not have to look cheap; there are many websites that offer advice on how to do it. Gift sets in shops make ideal presents but you can easily group different items together, or pick and choose items for smaller presents if you are less confident about fabricating things on your own yet are keen to offer original gifts.

Tags: Christmas, DIY, Home Insurance
Posted in DIY, 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 »

Cardboard can be used to keep the home warmer

Thursday, October 14th, 2010

Having good household insurance gives piece of mind and protection for possessions in the home. It cannot, however, stop heat escaping from the home; but there is an easy and very cheap way to help with this problem.

If there is a room in the home that is not used much and is always very cold in the winter, it could be that all is needed is some more room insulation. Doing this with some corrugated cardboard may sound crazy, but it really is a very effective method of insulation. The best way to use cardboard as insulation is to cover the windows with it. The window will be a major source of heat loss. Corrugated cardboard room insulation is not the most glamorous room design, but it is only temporary and it can be taken down just as easily as it was put up.

The room may be not used for many reasons and with energy bills getting higher each year it is important to keep the heat in the home. Close and lock the windows in the room and then put a layer of duct tape over any area that leaks as this will help the insulating effects of the corrugated cardboard.

Measure the length and width of the window to work out how much cardboard is needed. Using a couple of pieces of cardboard will make a difference, and if they are available three or four pieces will be even better. Use a utility knife to cut the cardboard to the size of the window. Place some drops of glue on one piece of cardboard then place the second piece of cardboard on top of it. Align the edges and do the same with the third and fourth pieces of cardboard. Use the duct tape to stick the edges of the cardboard stack closed. Next, to increase its resistance to heat flow, cover the cardboard with some foil as this will help radiate any heat back into the room. Gently tack the cardboard into place over the window.

Corrugated cardboard is made up of a fluted layer of heavy paper which is sandwiched between two thicker, puncture-resistant layers of heavy paper. The fluting acts as a cushion when the corrugated cardboard is crushed. The flutes in the centre are aligned vertically which add extra strength to the cardboard. Heavy-duty corrugated cardboard, which has multiple layers, provide extra insulation compared to regular cardboard. The heavier the cardboard is the better its insulation qualities.

Tags: cardboard, DIY, heating, Home Insurance
Posted in Contents Insurance, DIY | No Comments »

Garden Design

Wednesday, September 29th, 2010

Designing a garden is not an exact science. Plants may not thrive in a particular spot even though you select the right soil conditions, the right position regarding sunlight and feed them with the advised plant food.

Nevertheless, forward planning will produce consistently better results than adopting a haphazard approach. Sitting down with a pencil and paper and giving a little thought to the job in hand should eradicate any major mistakes. Placing a patio in a shaded area, building a parking space too small for a car, or even erecting a boundary wall that does not meet local council rules and regulations can all prove to be costly mistakes. Pre-planning will avoid them.

It is the permanent features of a garden that should be considered first, but bear in mind how they will fit into the planted and turfed areas of the garden; no-one wants to live in a concrete jungle!

Before you even put pen to paper try and get a feel for the sort of garden required and consider whether it will sit happily with the house and its surroundings. Is it to be formal, laid out in straight lines or maybe geometric? Maybe a more relaxed style such as a cottage garden appeals. Whatever takes your fancy there is no shortage of material from which to draw inspiration. Countless books and magazines are devoted to garden design and now there is also the internet to access for ideas.

Be sure to measure the plot of land as accurately as possible especially the diagonals, because what appears to be a square or rectangular may well taper to one end or do something equally as unexpected. Make a note of how the ground slopes, paying attention to the direction and length of the slope. Check how the passage of the sun affects the garden and the direction of the prevailing wind. Don’t forget the angle of the sun will be steeper in summer and that trees planted as a windbreak, will be redundant if they shed their leaves.

Test the soil for condition but remember this can be easily altered by the use of fertilizers and chemicals. Plot the position of features you want to keep in the garden such as existing footpaths, lawned areas and established trees.

When you are happy with your design try it out. Will it be possible say, for two people to pass on the path without stepping into the flower beds? Try placing furniture on the area marked out for the patio to ensure you can sit comfortably and eat a meal with guests. Most people build a patio alongside the house but if you have to place it elsewhere because of the position of the sun will it become a chore to walk back and forth with drinks.

It is always wise to inform your neighbours of your intentions, a wall or trees you intend planting may cause an inconvenience to them that you haven’t thought about. A quick alteration of the plan can avoid years of stress caused by neighbourly disputes.

By the time your garden comes to fruition, there may well be a considerable amount of valuable plants and furniture out there. Remember to cost this into your household insurance policy.

Tags: DIY, Garden, Garden design, Home Insurance, household insurance
Posted in DIY, Garden, Home Insurance | No Comments »

Give a wall a new look with plaster

Tuesday, August 31st, 2010

Before starting this job clear the room of furniture and any expensive electrical equipment. The job is messy and the materials used could easily cause damage which could result in a claim on household insurance.

Spread plenty of plastic sheets all over the floor of the room. Mix your plaster according to the instructions on the bag, remembering to always add the plaster to the water using a clean bucket. It is vital to mix the water and plaster thoroughly so that the ready plaster will have a thickish, creamy consistency with no lumps. During the warmer months, the plaster can set within minutes, so it is a good idea if you are a novice to only mix an amount that can be used straight away. Another good tip is never add any new plaster to an old mix and do not add extra water to the plaster in an effort to make it more workable.

When the mix is ready, get a trowel full of plaster from the mix and onto the hawk, and then transfer about half the plaster to the trowel. Try to keep the wrist as straight as possible and use a flicking action with the hand holding the hawk to move the plaster from the hawk to the trowel.

Starting at the bottom of the wall, try and use smooth strokes to press the plaster onto the wall. Slowly close the gap between the top edge of the trowel and the wall when moving the tool upwards. Keep the trowel at a slight angle to the wall at the end of each stroke. If the trowel is flat against the wall surface it could easily pull the new plaster away from the wall.

Go over the entire area with the aim of applying a base coat, uneven areas or holes are not important at this point. The coat should be around 2mm thick. Next job is to level and smooth the surface, but only do this when the plaster has hardened slightly. Waiting for the plaster to go off can vary from a couple of minutes during the summer to twenty minutes or more in cold conditions.

Use the trowel at a shallow angle to the wall and go over the entire surface smoothing it out. Leave the plaster to dry for around forty minutes. When it is dry it can be polished. Do this by wetting the face of the trowel and flick water onto the wall. The idea of this is to provide just enough lubrication for the trowel to glide over the surface and fill out any small holes and imperfections. Use sweeping strokes to start and finish with long continuous strokes across the wall. When happy with the finished effect, wash all the tools immediately ready for future use.

Tags: Advice for Tenants, DIY, Home Insurance, household insurance, tenants
Posted in DIY, Home Insurance | No Comments »

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | No Comments »

Beware the rogue builder

Monday, July 19th, 2010

Finding out that a rogue builder has been hired for a job in the home is a terrible feeling. Months of planning and putting away hard earned cash in readiness for the realisation of a dream, decimated by the actions of a conman.

Thousands of people fall victim to rogue builders every year, they are not just the scourge of households but of the construction industry as well. It is true that they only make up a small minority of those working in the building trade, but that is of no comfort to anyone who falls victim to them. Television shows abound with stories of rogue builders, and not just in the United Kingdom, television shows made in the USA and Canada show the problem is worldwide.

Whatever the job it pays to know how to spot and avoid the nightmare a bad tradesman can bring about. Large building alterations usually mean a large investment, and the dream of a brand new extension or a loft conversion can very quickly turn into a bad dream if a quality contractor to carry out the work is not chosen. Remember this as well, no job is too small for the rogue builder! Even removing a radiator can cause massive problems and if everything that could go wrong, does go wrong, the heating could be down for days, not to mention flooding, which could lead to a claim on the household insurance.

What is the best answer to the question how can I avoid employing poor tradesmen? Spend as much time and energy on finding a tradesman as you can and do not just plump for the first one.  Make sure you get at least three quotes, if there is a big discrepancy in them then ask yourself why before you commit to anything.

The house is probably the most expensive item a person will own and so a trustworthy builder should be top of the list when looking for home improvements. Every builder will tell you the best way to get work is through “word of mouth”. This can also apply to the customer and in this era of information at the click of a mouse there are quite a few websites that list both the builder and a rating from the householder.

A good builder will not knock on the front door and say they are working in the area and have a lorry load of tarmac. If they do, be polite and thank them and ask for a business card with contact details. Good trade’s people are always busy so if a builder says he can start tomorrow the chances are that he has got no other work to do.

A rogue builder will probably only have a mobile phone to be contacted on, and no land line number could be the first sign to set alarm bells ringing. Good tradesmen may work from home but they will not be scared to give their number and address out to potential customers. Rogue builders may suggest that paying them in cash will cut the bill. Yes it will, but it also means that there is no proof that they ever did the job. Always insist on a receipt issued on company headed paper.

Tags: Home Insurance, household insurance, Rogue builders, Saving Money
Posted in DIY, Home Insurance, Saving Money | No Comments »

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