It’s always difficult to estimate the amount of paint needed for a job. Experienced painters can usually tell. However, since the amount of paint varies greatly with the type of painting as well as the type of surface that is being painted, it’s best to do a little math before you go out and buy.

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Different Surfaces Absorb Different amounts of Paint

You can intuitively tell whether or not a certain surface absorbs more or less paint. For example, surfaces that are porous absorb far more paint than non porous ones. Glossy walls can take up just half the paint compared to an embossed wall.

Exterior surfaces will take up more paint that interior ones since you usually coat them more often for purposes of weatherproofing.

Also, areas like ceilings take up more paint than usual. This is because they are exposed to more heated air which makes them even more porous than usual. Factor this in before you pick paint off the shelf.

Determining the amount of paint

It’s better to overestimate the amount of paint than underestimate it. You can always keep leftover paint for while for re use. The most common way to determine the amount of paint is to first determine the paint area. You can do this by simply multiplying the height and the width of the room. If you intend to paint windows that have a lot of accoutrements like bars, then treat window space the same as wall space.

For surfaces that are not flat and are moulded like doors, increase the paint estimate by 25% or so. Once you have determined the surface area, it’s a cinch to pick up the right paint amount because paint cans have the approximate surface are that each tin will cover on their side. Since this actually depends a lot on your painting style, try out one can first to get a feel of whether you need more or less.

Caring for your paintbrushes and other painting implements is extremely important. Good paintbrushes cost money, and the best way to maximize your return on investment is to keep them well cleaned. Let’s look at the basics of Cleaning Paintbrushes and Rollers.

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Cleaning Paintbrushes

A properly cleaned brush will not only last longer, it will also apply the paint onto the surface more effectively. A little known secret is to coat the brush with the solvent before you put the actual finish paint on. This will ensure that the paint doesn’t dry onto the brush and it will also prevent it from clumping. In fact, if the paint job is one of considerable length, then take a break to re apply the solvent before continuing.

Never store a brush unless it is clean and dry. After painting, dip the paintbrush in clean solvent and wash out with warm water. If the paintbrush is made up of Natural Bristles, you can even use shampoo. If your brush came with packaging, use that to store it so that it retains it’s original shape.

Cleaning Rollers

Cleaning rollers is a tricky business. The main reason for this is that you have to be very careful to make sure that it doesn’t get bent out of shape. There are many ways to do this. One technique is to use a putty knife to scrape of the excess paint from the roller first before washing it out with detergent and water. There is a special device called a brush and Roller that spins the roller inside a bucket. This effectively takes out all the paint by the virtue of centrifugal force.

If you are just getting started on building your first log home, congratulations for being a first-time log homeowner. You may have a few questions about what to expect, and that is perfectly natural. Here are a few tips about the process of building your log home.

1) For the average-sized custom log home, which is around 2500 square feet, it can take about six months from breaking the ground to the completion of the log cabin (note that design and preparation is not included in your time calculations). It can take up to a year for larger homes or homes with more elaborate styles or in a more challenging location.

2) In order to avoid a poor log home contractor who makes the timeline longer, do your research. Do not be afraid to shop around and talk to previous clients of your contractor. It’s your house, and you need to decide what hands you want your house in. Make sure that your contractor gives you a fairly specific timeline. Include a penalty clause for delays – if your contractor is a good one, they will honor your request for the penalty clause in their efforts to offer you the best service.

3) If you are wondering what the project will cost, there is no way of knowing – the best way to have a good estimate is to have a good plan. With planning for everything from the timber to the appliances to the contractor to the floor plans, you will have a better idea of how much everything will cost. Remember, the least expensive design is the average four-corner square log cabin, but there is no such thing as an inexpensive home.

4) Let your heart decide the design as far as your budget will take you – measure your needs and wants and know your limits. Less expensive materials, less expensive design, less expensive contractor… these can all help with your expenses. Remember, though, that the cheapest materials may result in worse expenses later on. Learn how to compromise – maybe lessen the amount of contracted custom furniture or maybe tone down a design to be simpler.

5) Do not order your materials too far ahead unless they are expensive materials or require a long time to adjust to the new environment. Interact with your contractor about all your materials – they may be able to store materials or give you suggestions.

6) Remember that going green may cost a little extra, but the costs it eventually saves more than makes up for the initial expense. Look into green building and appliances and plumbing. Build your house so that it does not receive direct sun exposure, but extra windows may give you more light to lessen energy expenses. It’s all about balance.

Above all, feel free to talk with other people who have experienced the same things you are experiencing – your first log home. It can be frightening, but it does not have to be. It can also be exciting.

Loan modification sounds simple enough: you basically ask your lender to change your mortgage terms on the basis of your financial hardship. If you’re one of the millions of American homeowners who want to stop foreclosure, it may just be the solution you’re looking for. If all goes well, you can get your loan modified in just a few weeks and start getting your life back on track.

Unfortunately, it’s a bit less simple than that. Lenders aren’t all too willing to restructure your mortgage at your request, and you can bet they’ll make it hard for you. But with a strong case and the right defense from a loan modification attorney, it’s more than possible to get your way. This guide shows you how to face your lenders and get the best loan modification agreement.

How Loan Modification works:

1. Consultation. The process starts when you consult your loan modification attorney. During the meeting, your lawyer will review your situation and decide whether or not a loan modification is the right step.

2. Paperwork. When they’ve decided they can help you out, your loan modification firm will send you a package asking for financial documents that will be used for your application. These usually include:

·       Proof of income

·       At least four month of bank statements

·       A hardship letter explaining your situation and requesting a loan modification

·       A monthly expense sheet detailing all your expenses, including items you are not paying for (such as food and utilities)

·       Your most recent mortgage statement

·       2 years W2 forms

·       2 years tax returns

Your loan modification attorney will determine the best approach based on your current situation. They can also use violations of the Real Estate Settlement Procedures Act (RESPA) and Truth In Lending Act (TILA), as leverage during negotiations.

3. Negotiations. Your lawyer will begin negotiations shortly after sending your application. This is where the real work happens, as they’ll actually talk to your lender about your situation and get your loan modified. A good loan modification attorney will negotiate aggressively until the bank makes an offer that suits your financial capacity.

4. Approval. When your bank and lawyer have reached an agreement, they’ll send you a document detailing the offer for approval. The change can be a bad credit refinance, a lower interest rate, or a restructuring of your mortgage, depending on your request and what they agreed on.

How to qualify for a Loan Modification:

Each bank has its own guidelines on qualifying borrowers for mortgage assistance. To get the best results, it’s important to know their standards and do your best to meet them. Factors commonly considered include:

·       Income vs. Expenses. The main reason you need to show income vs. expenses is to prove to your lenders that you can still afford to make your payments if they were lowered. This comparison shows how much of your monthly salary goes into paying off your mortgage, including the principal and interest, property taxes, and insurance.

·       Nature of hardship. Some lenders have specific rules on what qualifies as financial hardship. Your hardship letter should explain in detail what made you fall behind and show that it was out of your hands. Commonly accepted situations include illness or death in the family, job loss or demotion, lawsuits, divorces, and military service.

·       Payment history. Lenders will also look at your previous mortgage statements to see how you handled it before you fell behind. If you made timely payments prior to financial hardship, it shows that you can get back on track once you have a mortgage modification. Note that this isn’t the same as your credit history—your credit rating has nothing to do with qualifying for a loan modification.

·       Bank statements. A good bank account shows two things: first, that your spending habits were stable before you fell into hardship; and second, that you have an emergency fund in case you fall behind again.

·       Tax payments. This serves as secondary proof of your financial responsibility. Consistent returns show that you pay all your duties and aren’t just trying to get cutbacks. It also backs up whatever claims you made in your hardship letter, and proves that the situation was out of your hands.

Finally, your loan modification attorney also plays a big part in your application. You want someone who comes from a respectable firm, has a good track history (preferably in legal foreclosure assistance), and has contacts at all the major lenders. A good attorney can take time to understand your case and keep negotiating until you get proper mortgage assistance.

For more information about Loan Modifications please visit http://www.CDLoanMod.com or call 800.738.1170

Depending on your personality, decorating can be an aspect of owning a log home that you enjoy or that you loathe. While one person delights in finding that perfect color or fabric, the next person has cold sweats just trying to match something to go with the deep browns inherent in a log cabin.

You can take the worry out of any decorating project, whether it be finding the right color scheme or picking the right furnishings to go with your log home, if you simply remember some critical elements of decorating.

Before embarking upon your decorating journey, it is first important to confirm that the wood in your log home is healthy. Water and any moisture buildup will destroy the structural integrity of your home. It is best to seek the advice of a local contractor or log home refinishing Services Company, who can help you to keep your log home healthy and well-cared for. Although you can attempt to apply finishes and stains to the wood to protect it as well, you certainly need the advice of a building professional specializing in log homes who can best assess the log content and stains and finishes that will best protect your home. They can then advise you on what products you yourself can apply to moisture-proof your log home.

Now that you know that your home is strong and healthy, it is time to look at color schemes that benefit the log home.

To get started on pulling together those perfect colors, it is valuable to take time and look through magazines or books that offer color schemes that you admire. Then think about the wood and style in your home¾will these colors highlight the wood or would another color be better to bring out its true beauty? Don’t be afraid to explore new colors - shades of greens, blues, and purples are all colors that compliment the deep browns of the natural wood in log homes.

A little education about how to use color to your benefit will help you in your decision making.

Color creates moods, the use of serene blues, cheery yellows, or energetic reds and oranges are guaranteed to brighten your mood and the dark tones of a log home.

The beauty of a log home deserves to be shown off to its best advantage. When choosing colors that will enhance the wood in your home, look for the hues in the wood itself to give the wood depth and complexity. It is also important to look at whether you are going for a high-contrast look, which will give drama, or if low contrast, which is softer and more casual, is more to your personal style.

If high contrast is the look that you seek, dark wood would be better paired with light colors so that the wood stands out in sharp relief. If the logs in your home are of a lighter wood, then the opposite would be true, showing up boldly against dark or strong colors. This type of contrast is good for showing off particular pieces of furniture, or bringing attention to other furnishings in the room. However, when using high contrast it is important to note that this design style often makes a room feel busier and will not blend in as much as if you were using low contrast.

If you want to create a look that is rich and subtle, use low-contrast pairings. Warm neutral colors such as mushroom, beige, khaki, or taupe, bring out the warm, rich notes in log homes. The furnishings will show up nicely, but will not stand out as they would when using high contrast. Drama gives way to relaxation in this color pairing.

Here are some additional notes regarding colors that can be used to nice affect in log homes:

· Green highlights the yellow tones in wood and gives a cool contrast

· Bright blue brings out the orange tones in wood, but this is very high contrast and dramatic

· Pale orange or rust showcases the orange in the wood, but these colors can mesh together to almost seem too similar if other furnishings do not give some contrast

· Yellow, which does not enhance the color of wood, brings out the orange and yellow

When choosing accessories for your new color scheme, look first at the pieces that you already own. What colors or fabrics for pillows would enhance the furniture you already have? What well-placed lighting might offset the blinds or drapes already used on your windows? At times furniture, drapes, and other furnishings are the exact elements that you want to change, but sometimes these are the things that you love in your present design and it would be wise and could save money and time working them into your log home’s new look.

And finally, when choosing your new color scheme, look inward. What are the colors that make you feel good? What fabrics make you think of home? If you look inside yourself and go with your own instinct, and not those of the latest fad, your new color scheme used in your log home will be the perfect fit for you.