Author: rowanhouse

Flowers make people smile. I think we always knew that, but now scientists at Rutgers University have studied the subject and proven our hunch right. Let’s talk about flowers – and a few interior decorating ideas for bringing the joy of garden décor indoors.

Mutual Benefit

One of the most interesting facets of the university flower study was the theory that when flowers make us happy, we make them happy. Well, flowers don’t exactly smile, but the human reaction to pretty, blooming things over thousands of years have been an important part of survival and development of flowers. Instead of rooting them out as weeds when humans turned from hunting to agriculture, the earlier humans preserved the flowers and allowed them to grow. All that history and psychology just to put some pretty colors into your home décor or office décor.
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Office plants can add beauty to the office environment . When choosing an office plant, however, there are some things you need to keep in mind. Office plants will need to be chosen based on the particular office. Here are some ideas and tips to keep in mind.

When choosing your office plants, you need to take into account the amount of light your office plant will be able to receive. If you get plenty of natural light, your choice will differ from someone who’s office plant is situated in an interior office with little or no natural light.

When choosing an office plant, it is also important to take into consideration how much water it will need. Most often, there will be no one there to water your plant on the weekends. You should also keep in mind that when you are gone on vacation, your office plants may need to fend for themselves. Continue reading

A home equity or home improvement loan is a second mortgage on your home. The amount of such a loan is based on the current market value of your home as compared to the amount you now owe. Home equity and home improvement loans are available up to, and sometimes beyond, the current value of your home. However, your interest rate will be lower if you don’t go over 80% loan to value.

Home Equity Loans as a financing tool

Home equity loans , or “Seconds,” are sometimes used for creative financing in conjunction with the first mortgage. While this is a more complicated method, it can eliminate the cost of Private Mortgage Insurance as long as the first is 80% of loan to value or less.

There is no mortgage insurance charged on “Seconds.” The interest rate, however, is always higher than on a first mortgage. The reason is increased risk to the lender. Continue reading