Finance Tips

But it doesn’t matter what your favorite chair’s style is if it is covered with pet hair, or badly stained from food accidents, or has prematurely darkened armrests caused by sweat or body oils.

No matter what cleaners you use or how often you clean it, your favorite chair has long lost its good looks. You may have heard that you can use a chair slipcover to hide away its tattered and worn upholstery while protecting it from further damage. But just what things should you look for when selecting slipcovers for chairs?

What to look for in a Chair Slipcover

A chair slipcover is a specially designed piece of fabric that is used to cover and protect the original upholstery of a chair. Chair slipcovers can come in many different colors and styles. But the two most basic designs you need to be aware of and understand are the terms: ready-made and tailor-made.

A ready-made chair slipcover is a semi-fitted mass-produced covering that can work with a wide variety of chair styles and sizes.

Ready-made coverings became very popular in the 1960′s when the cost of making these one-piece coverings became less than the cost of getting them hand tailored. The type of chair slipcover is easily found online or in specialty retail stores.

A more traditional chair slipcover is hand sewn by a slipcover professional or upholstery shop. Hand crafted slipcovers were originally made by tapestry weavers and were used to protect the furnishings of the very rich. But during the 18th and 19th century chair slipcovers became a fashion accessory all on their own.

As slipcovers for chairs became the vogue, slipcover makers, often immigrants from Europe would go to the homes of their wealthy clients and measure and cut out fabrics on site.

Then the men would return to their homes or shops and have their womenfolk do the actual sewing.

Chair slipcover makers were often nicknamed “summer time millionaires” due to the amount of money that could be made in the slipcover industry. These artisans are all almost gone. The few remaining shops and designers that do custom slipcovers often are even more expensive than their predecessors.

Another factor to consider besides color is the actual fabric that a chair slipcover can be made from. You can choose either natural fiber fabrics like linen, cotton or ramie. Or work with a synthetic fabric made from acrylic, nylon or polyester. The best fabric is a blend of natural and man-made materials for durability, ease of cleaning and shape and fit.

As you can see selecting the right slipcover for a chair is not as difficult as you may think. By deciding earlier on what style you can afford to buy: ready-made or tailor-made plus looking closely at your lifestyle; you can choose a chair slip cover that will last for years.

HAFA Explained

To give a quick summary (you can Google HAFA for much more details), HAFA is a streamlined process for home owners to try to get a loan modification on their property, if the home owner is denied on the loan modification then the bank will encourage a short sale and incentives it for the home owner.

Who’s Eligible?

* Have to live in the home or have moved out in the last 90 days due to a job transfer

* Delinquent on the mortgage now or in foreseeable near future

* Loan balance of 0,000 or less

* Only applies to your first mortgage

* Borrowers mortgage payment must exceed 31% of monthly income

** Note there are few more requirements but this is the majority of them…

Incentives

* 00 given to home owner at the closing for a successful short sale

* Servicer on the loan gets ,500

* Junior lien holders get up to ,000 to release the liens for short sale

** Paid for by the U.S. Treasury**

Time Line For HAFA Process

* Bank has 30 days to approve or deny the loan modification, if denied short sale encouraged

* Borrower submits “short sale” package to lender

* Bank to review value of home and amount of money owed and establish what price to list home

* Borrower/Real estate agent has 14 days to submit listing paperwork to the bank

* Real estate agent has 120 days to get an accepted offer on the home

* Real estate agent has 3 days to get the offer to the bank

* Bank/Servicer has 10 days to approve or deny the offer

* Bank to give a minimum of 45 days to buyer to close

Banks Participating

Bank Of America

Chase

Wells Fargo

GMAC

Citibank

Many others

Get your FREE Las Vegas Short Sale Kit packed full of vital information pertaining to the Short Sale Process, Nevada Foreclosure, Pros and Cons, Hardship Package Information and more.

The Ballen Group – Las Vegas Short Sale Specialists
North Las Vegas Short Sales, Henderson Short Sales
3100 S. Durango #106 Las Vegas, NV 89117
(702) 482-7739

http://www.ShortSaleinNevada.com

Selling your home yourself is an option for anyone wanting to sell their home. Most people who utilize this option do not want to pay the commissions to an agent that can sometimes become very large. If this sounds like you, then there are some things to keep in mind. 
First, you need to find out if selling your home yourself is really worth the amount that you would pay an agent to do so. Usually an agent will ask for around six or seven percent of the final sale. Which if you sell your home for 0,000 you are looking at paying 00 or more to the agent. So, if you sell the house yourself you can save yourself this money. Furthermore, if the buyer of your home does not use an agent, you can end up saving even more money.

Secondly, you have to consider the amount of money you are going to have to pay to advertise your home. Most homes are put on the Internet now, so you need to factor in the cost of a website to sell your home, as well as putting ads in the local paper.

You also need to consider the amount of time that you are going to have to put into these mediums. It will require that you do the leg work that normally an agent would do.

You also need to consider that you will need to be available for potential buyers to look at your home. Meaning that you may have to schedule appointments to show the house. If you work a very demanding schedule or are often out of town on business, then selling your home yourself is going to be much stressful. Therefore, it may be necessary to use an agent in these cases.

Setting the price of your home is another aspect that you must consider. Normally agents will tell you what the value of your home is, however, since you are not using one, this will have to be done on your own.

You can find out this information easily by comparing your home to other homes in the neighborhood that are on the market, and then tweaking this a bit to ensure that your house is competitive price wise.

Selling your home yourself is no easy task, which is why so many people choose to work with an agent. Depending upon your situation, working with an agent may be the right choice for you. However, if you feel that you could do it yourself easily, then by all means utilize the option.

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Weddings are such a joyous occasion, but planning for a wedding can easily turn into a nightmare if you’re not careful.  When it comes to money, everyone seems to get in an uproar. Of course, it would be nice to have an unlimited supply of funds for your wedding, but that’s not realistic. It is possible to have a really nice wedding for a very reasonable amount of money.

First, think of your guests. Are you going to have a large wedding? The larger the wedding, the more it will cost. Do you really need to invite your third cousin’s half sister’s ex-mother-in-law? Keep your guest list as short as possible.

Secondly, where do you want to be married? Think outside the box. Bed and Breakfasts can be a wonderful place to hold the ceremony, and most can easily accommodate your reception too. Receptions – do you want a formal, sit down meal? Or will a simple cake ceremony do? A cake ceremony is obviously the cheapest way to go.

Enough cake and punch for everyone is all you need.

If you are more inclined to have a formal reception, there are still ways to have a very affordable affair. What about that family run Italian restaurant in town? Small businesses are can usually give you quality food and service all at a very reasonable cost. Look around, ask around. Many Bed and Breakfasts can give recommendations also. Another option is simple catering. How about a meat and veggie tray?

How about the wedding dress? Do you really need a custom made dress? Many women have bought used dresses that served them just fine. By buying used, you are able to get more for your money. A very expensive dress can be bought for just a fraction of the cost.

The key is to think about what areas of your wedding you might be able to skimp in.

It may be important for you to invite 500 people to your wedding, but a simple cake ceremony will be enough. Or maybe you need that custom made dress, but an intimate ceremony of 30 will suite you just fine. Skimping in one area allows for you to splurge in another. Budget, budget, budget! Discuss all your ideas with those involved in the financial side of things. Know exactly how much you have to spend, and decide where that money will best be utilized. Shop around. Ask everyone you know for recommendations. You never know where you might find that perfect aspect of your wedding.