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> <channel><title>Housing Lot Online &#187; Carousel</title> <atom:link href="http://housinglotonline.com/category/carousel/feed/" rel="self" type="application/rss+xml" /><link>http://housinglotonline.com</link> <description>Foreclosure Process, Short Sales and Mortgage News Resource</description> <lastBuildDate>Fri, 04 May 2012 04:30:52 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <xhtml:meta xmlns:xhtml="http://www.w3.org/1999/xhtml" name="robots" content="noindex" /> <item><title>Choosing Wall Colors for the Bedroom</title><link>http://housinglotonline.com/choosing-wall-colors-for-the-bedroom/</link> <comments>http://housinglotonline.com/choosing-wall-colors-for-the-bedroom/#comments</comments> <pubDate>Tue, 05 May 2009 10:33:25 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[By Room]]></category> <category><![CDATA[Carousel]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=758</guid> <description><![CDATA[Choosing a color for your bedroom can do wonders for your mood by either perking you up in the morning or helping you fall asleep at night.  So when choosing a color, choose wisely and to your advantage. Here are some basic coloring ideas for your bedroom walls to get you started: Wall Colors &#8211; [...]]]></description> <content:encoded><![CDATA[<div
id="attachment_761" class="wp-caption alignleft" style="width: 235px"><img
class="size-medium wp-image-761" title="Bedroom Colors" src="http://housinglotonline.com/wp-content/uploads/2009/04/bedroom-colors-225x300.jpg" alt="Choosing Bedroom Colors" width="225" height="300" /><p
class="wp-caption-text">Choosing Bedroom Colors</p></div><p>Choosing a color for your bedroom can do wonders for your mood by either perking you up in the morning or helping you fall asleep at night.  So when choosing a color, choose wisely and to your advantage.</p><p>Here are some basic coloring ideas for your bedroom walls to get you started:</p><ol><li>Wall Colors &#8211; A bright yellow can seem like a &#8220;happy&#8221; choice but seeing it every day may not help you relax.  Instead try a golden yellow or even a green for a calming effect.  Peach and pink can do well for your moods if you don&#8217;t find them to be too girly.</li><li>Wardrobe Colors &#8211; Cabinets take up quite a bit of space in a room so you should only choose dark colored woods for a well lit room.  If the room is too dark, it may give a feeling of gloominess.</li><li>Bedsheet Colors &#8211; Bedsheets serve a focal point in your bedroom.  It&#8217;s quite important to choose a color scheme before coloring your bedroom and use the comforter of the bed as your focal point.  If the bed is big enough, you can add additional small pillows to coordinate different shades of colors.</li></ol><p>It is also quite important to include enough lighting in the room or open up the windows to allow light inside.   If you are going for a romantic look, try replacing your bulbs for a lower wattage to emit warm yellow light to gain a soothing look.</p> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/choosing-wall-colors-for-the-bedroom/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Care and Cleaning of Marble</title><link>http://housinglotonline.com/care-and-cleaning-of-marble/</link> <comments>http://housinglotonline.com/care-and-cleaning-of-marble/#comments</comments> <pubDate>Thu, 16 Apr 2009 10:17:06 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[Carousel]]></category> <category><![CDATA[Maintenance]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=768</guid> <description><![CDATA[Marble is beautiful to use, but it&#8217;s porous and can stain easily.  If something spills, you&#8217;ll need to wipe it off immediately and will need to use beverage glases to avoid moisture rings. To regularly clean any marble surface, you will need luke warm water and dry wipe with a clean cloth.  About once or [...]]]></description> <content:encoded><![CDATA[<div
id="attachment_769" class="wp-caption alignleft" style="width: 160px"><img
class="size-thumbnail wp-image-769" title="Cleaning Marble" src="http://housinglotonline.com/wp-content/uploads/2009/04/marble-150x150.jpg" alt="Care and Clean Marble Furniture" width="150" height="150" /><p
class="wp-caption-text">Care and Clean Marble Furniture</p></div><p>Marble is beautiful to use, but it&#8217;s porous and can stain easily.  If something spills, you&#8217;ll need to wipe it off immediately and will need to use beverage glases to avoid moisture rings.</p><p>To regularly clean any marble surface, you will need luke warm water and dry wipe with a clean cloth.  About once or twice a year, use a mild detergent solution to wash, rinse and dry.  Using a light coat of wax can help protect the marble surface but isn&#8217;t considered essential.  Although a marble sealer could help protect from staining and allow the soil to be wiped off with a damp cotton cloth.</p><p>There is also a putty powder (made from tin oxide) used to polish dulled or etched surfaces.  Rub a damp wet cloth or an electric polisher for buffing.</p> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/care-and-cleaning-of-marble/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Adding Tile &#8211; DIY Project</title><link>http://housinglotonline.com/adding-tile-diy-project/</link> <comments>http://housinglotonline.com/adding-tile-diy-project/#comments</comments> <pubDate>Thu, 02 Apr 2009 10:57:33 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[Carousel]]></category> <category><![CDATA[Home Improvement]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=746</guid> <description><![CDATA[Installing ceramic tile can be an easy DIY project and a high cost saving to upgrade your property. You can add big value to your home by enhancing your countertops, flooring and bathroom tile.  If you are able to save on labor costs, the installation could sometimes cost just 50% of the total cost if [...]]]></description> <content:encoded><![CDATA[<p><a
href="http://housinglotonline.com/wp-content/uploads/2009/03/adding-tile.jpg"><img
class="size-thumbnail wp-image-747 alignleft" title="Adding Tile to Home" src="http://housinglotonline.com/wp-content/uploads/2009/03/adding-tile-150x150.jpg" alt="Installing Tile in Home" width="150" height="150" /></a>Installing ceramic tile can be an easy DIY project and a high cost saving to upgrade your property.</p><p>You can add big value to your home by enhancing your countertops, flooring and bathroom tile.  If you are able to save on labor costs, the installation could sometimes cost just 50% of the total cost if you had a professional installer do it.</p><p>Your custom look can be done at a fraction of the cost, but won&#8217;t exactly be 100% easy as the process can be time-consuming, labor intensive and messy.  It&#8217;s not a job to rush into and preparation is important to setting the tile correctly.</p><p>Before starting a tile project, you&#8217;ll need a few tools: a sponge, a notched trowel, several large buckets, level and rubber grout float, tile cutter and nippers.  If you plan on doing many tile projects, owning an electric tile can be a great investment.</p><p>When tiling a floor, make sure to use thicker tiles that are textured to make them safer to walk on.  You will also need to make sure the tiles are level which can be double-checked by using a long 2 by 4 board to check uniformity.</p><p>Working in batches is quite helpful and will save wear and tear on your knees.  Using knee pads while installing the floor will help, and having a partner to mix mortar or grout or even cut the tiles can cut installation time.</p><p>If you are using a natural slate, make sure to seal the tiles before grouting so that the grout does not stick to the stone.  After any grouting, clean the tiles to remove any residue and allow drying time.  Afterwards apply a product to seal the grout.</p> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/adding-tile-diy-project/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Buying a 2nd Home?</title><link>http://housinglotonline.com/buying-a-2nd-home/</link> <comments>http://housinglotonline.com/buying-a-2nd-home/#comments</comments> <pubDate>Fri, 27 Feb 2009 10:23:50 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[Carousel]]></category> <category><![CDATA[New Home]]></category> <category><![CDATA[buying real estate]]></category> <category><![CDATA[debt to income ratios]]></category> <category><![CDATA[mortgage payment]]></category> <category><![CDATA[owning 2 homes]]></category> <category><![CDATA[real estate foreclosures]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=673</guid> <description><![CDATA[During this time, it is even harder than before to buy a new home if you already own a home and need to sell it in order to buy the new one.  Homes are more difficult to sell right now and it can feel risky trying to sell one home and get in to another [...]]]></description> <content:encoded><![CDATA[<p><img
class="size-medium wp-image-674 alignleft" title="buying-2nd-home-400-x-300" src="http://housinglotonline.com/wp-content/uploads/2009/02/buying-2nd-home-400-x-300-300x225.jpg" alt="Buying a 2nd home" width="300" height="225" />During this time, it is even harder than before to buy a new home if you already own a home and need to sell it in order to buy the new one.  Homes are more difficult to sell right now and it can feel risky trying to sell one home and get in to another since there are so many foreclosures and short sales on the market which can time-to-time take an extended length of time to complete.</p><p>Housing prices have generally decreased 20 to 30 percent, depending on where you live.  Due to the uncertainty of selling/buying the 2 homes, you may want to consider how comfortable you are with owning two homes, or you could consider getting renters to your current home.  The rental income will need to be sufficent enough to keep your debt-to-income ratios low when you add on another mortgage payment to responsibility.</p><p>Most of important of all, in this market, you do not want to buy before you sell.  Make sure to get a very strong offer on your house before putting an offer on anything else.</p><p><strong>Recommended Reading:</strong></p><ul><li><a
href="http://www.amazon.com/gp/product/0910627037?ie=UTF8&amp;tag=got-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0910627037" rel="nofollow" >The Complete Guide to Locating, Negotiating, and Buying Real Estate Foreclosures: What Smart Investors Need to Know &#8211; Explained Simply</a></li></ul> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/buying-a-2nd-home/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Fixing Vinyl Floors</title><link>http://housinglotonline.com/fixing-vinyl-floors/</link> <comments>http://housinglotonline.com/fixing-vinyl-floors/#comments</comments> <pubDate>Fri, 27 Feb 2009 10:06:32 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[Carousel]]></category> <category><![CDATA[Flooring]]></category> <category><![CDATA[liquid nails]]></category> <category><![CDATA[transition strip]]></category> <category><![CDATA[vinyl floors]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=668</guid> <description><![CDATA[So, you&#8217;ve had vinyl flooring installed but now it&#8217;s starting to curl at the entrance one of your doors and  you&#8217;re wondering how to make it stay down? Well, you may be able to fix it on your own.  If it curling right at the door, you can purchase a small transition strip at your [...]]]></description> <content:encoded><![CDATA[<p><img
class="size-medium wp-image-669 alignleft" title="vinyl-floors-300-x-300" src="http://housinglotonline.com/wp-content/uploads/2009/02/vinyl-floors-300-x-300.jpg" alt="Vinyl Flooring" width="300" height="300" />So, you&#8217;ve had vinyl flooring installed but now it&#8217;s starting to curl at the entrance one of your doors and  you&#8217;re wondering how to make it stay down?</p><p>Well, you may be able to fix it on your own.  If it curling right at the door, you can purchase a small transition strip at your local hardware and flooring store.  The transition strip is used when two separate flooring come together and are usually made of brass or aluminum-colored metal or wood.  They may be flat or have one side slightly raised.</p><p>Glue down the edge of the vinyl floor tiles before installing the transition strip (try doing this in warmer temperatures as it will work better).  You can use flooring glue or something called <a
href="http://www.amazon.com/gp/product/B000S7ZSTS?ie=UTF8&amp;tag=got-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000S7ZSTS"rel="nofollow"  target="_blank">Liquid Nails</a> to apply under the area where the tiles are curling.  Then use something with a straight edge to keep the edge of the tile down and put weight on it till it sets overnight.</p><p>If the tile continues to want to curl up even after removing the weight, try putting weight back on it for another 24 hours.  As a last resort, you may consider cutting the curl off but only if the transition strip you&#8217;ve purchased can cover the area you&#8217;ve cut out.  Once the tiles are staying down, install the transition strip.</p> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/fixing-vinyl-floors/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Low Mortgage Rates to Help Some ARMs</title><link>http://housinglotonline.com/low-mortgage-rates-to-help-some-arms/</link> <comments>http://housinglotonline.com/low-mortgage-rates-to-help-some-arms/#comments</comments> <pubDate>Mon, 23 Feb 2009 10:58:10 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[Carousel]]></category> <category><![CDATA[Real Estate]]></category> <category><![CDATA[adjustable rate mortgages]]></category> <category><![CDATA[housing market]]></category> <category><![CDATA[real estate sales]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=594</guid> <description><![CDATA[According to the Treasury Department, there is an expectation that over 420,000 homeowners mortgages will be adjusting this year due to their adjustable rate mortgages.  Many used their home using a hybrid mortgage so they could afford a much larger home in hopes they would be able to refinance in a few years. Times have [...]]]></description> <content:encoded><![CDATA[<p><img
class="size-medium wp-image-593 alignleft" title="foreclosure-procedure-501-x-292" src="http://housinglotonline.com/wp-content/uploads/2009/02/foreclosure-procedure-501-x-292-300x174.jpg" alt="foreclosure procedure" width="300" height="174" />According to the Treasury Department, there is an expectation that over 420,000 homeowners mortgages will be adjusting this year due to their adjustable rate mortgages.  Many used their home using a hybrid mortgage so they could afford a much larger home in hopes they would be able to refinance in a few years.</p><p>Times have certainly changed and rates are planning to adjust this year, with many homeowners unable to pay the new amount.  The good or bright news is that rates are at an all time low, to be exact, 37 years low!  The large issue that home values have decreased dramatically over the past 2 years which means that homeowners will be unable to refinance because they will owe more than what their house is worth.  It&#8217;s a huge issue and will be seen for quite sometime till the housing market has time to recover.</p><p>While the government has taken some involvement to keep things afloat, interest rates are tied to real estate sales.  But there is no guarantee how things will play out for 2009.  If you have a home to sell in 2009, a short sale is a much better alternative.</p> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/low-mortgage-rates-to-help-some-arms/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item><title>Prevent Foreclosure</title><link>http://housinglotonline.com/prevent-foreclosure/</link> <comments>http://housinglotonline.com/prevent-foreclosure/#comments</comments> <pubDate>Thu, 12 Feb 2009 10:46:08 +0000</pubDate> <dc:creator>housing lot help</dc:creator> <category><![CDATA[Carousel]]></category> <category><![CDATA[Featured]]></category> <category><![CDATA[Foreclosure]]></category> <guid
isPermaLink="false">http://housinglotonline.com/?p=602</guid> <description><![CDATA[Unfortunately after the last few months, the housing market has still yet to show improvement from the housing boom and fall.  The economic situation appears to still be dire with the number of foreclosures remaining flat, if you take into account that Fannie Mae and Freddie Mac had stopped foreclosure proceedings in December.  Even more [...]]]></description> <content:encoded><![CDATA[<p><img
class="size-medium wp-image-601 alignleft" title="foreclosure-450-x-600" src="http://housinglotonline.com/wp-content/uploads/2009/02/foreclosure-450-x-600-225x300.jpg" alt="prevent foreclsoure" width="225" height="300" />Unfortunately after the last few months, the housing market has still yet to show improvement from the housing boom and fall.  The economic situation appears to still be dire with the number of foreclosures remaining flat, if you take into account that Fannie Mae and Freddie Mac had stopped foreclosure proceedings in December.  Even more &#8216;adjustments&#8217; are expected this year due to the number of interest only loans planning to adjust this year for many prime borrowers.</p><p>It goes to show in this economy, anyone can be effected as the row of dominoes fall down.  Anyone can be a victim, especially if the economy becomes more turbulent.</p><p>Before going into a panic, there are a few ways to prevent foreclosure.  There are a number of options available, but the best way to handle a foreclosure is by understanding how they work.</p><p>Here are some <a
href="http://housinglotonine.com" rel="nofollow" >foreclosure basics</a>:</p><ul><li>Foreclosures can be stopped, even when it may seem final.  There are measures that can be taken, such as: refinancing or loan modifications are some more popular ways.</li><li>Foreclosures don&#8217;t happen right away.  The <a
href="http://housinglotonline.com/first-mortgage-foreclosure-vs-second-mortgage-foreclosure/">foreclosure process </a>can take several months depending on your state.</li><li>The law has rules on foreclosures.  Mortgage companies do not have their own set of rules.  Evicting a family from a home or foreclosing on a property is very much regulated by the law.</li><li>When facing foreclosures it is highly recommended to seek professional legal advice.  Real estate lawyers will be able to provide you with valuable information to help you save your home.  In addition, the lawyer will be able to help you with your particular situation.</li><li>Government and other institutions implement programs aimed at providing assistance to foreclosured homeowners.  You can probably find one that best suits your situation.</li></ul> ]]></content:encoded> <wfw:commentRss>http://housinglotonline.com/prevent-foreclosure/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel> </rss>
