Monthly Archives: September 2018

Garden Glam: 3 Elements of Color That Make Garden Design Awesome

succulentsWhen you look at gardens, it seems as though color is just a natural aesthetic element. Flowers and plants, after all, inherently have hues. But when you’re designing a garden from scratch, with no greenery or outdoor furniture or water features yet, color is something that you intentionally bring out. You have to find the right mix and match of colors. At that, there’s a certain art to making it possible.

Here are the elements you should pay attention to when using colors in pulling off an awesome garden design:

Palette

A specific color scheme is the first thing that you need. This will guide your choices later when it comes to choosing plants, furniture, and other features in the space. In deciding a color palette, envision how you intend to use the yard.

For instance, if you’ll be spending your time in the garden in the mornings to help you get energized for the day, it’s best to have bright colors, such as red and orange. If you intend to use it as a relaxation space, cool colors such as green and blue are good choices. Your color palette will help tie every element together.

Repetition

Another way you can create cohesiveness and order in your garden design is repetition. This means using recurring colors in different features in the space. For example, you can have masses of blue Hydrangea and delphiniums and at the same time, install a fountain for added blue water features.

Authentic Provence reminds that you can also play with the colors of your plant boxes, like your Versailles planters and ceramic pots. The same rule applies to your garden pavements. The colors you use for them can add visual interest to your space.

Contrast

The space will look flat and boring if there’s no contrast in color. If you already have bright colored plants in the garden, try painting the walls with neutrals. This will be a perfect backdrop for the greenery. On the other hand, if you have light-toned plants, an accent wall can complement these. You can use wooden slats or brick stones for your accent wall, depending on your aesthetic preferences. Black solid fences are a good choice, as well.

Color is one of the striking elements you would need to carefully plan to nail a good garden design. Splash the right colors by keeping in mind the mentioned concepts.

Take a Scary Hayride and Ease Your Mind

Vampire and witch opening door of haunted houseIt is easy to write off a scary ride as just a plain old Halloween tradition, not knowing that it comes with additional benefits. Such an experience is linked with significant improvement in mental health and wellness.

If you don’t have a thing for the gory and macabre, you will have tons of fun checking out the haunted hayrides in Minnesota. A sensory overload of creepy monsters crawling out of the woods to get their pound of flesh will give your vocal cords quite the workout. Other than the thrill of having to jump out of your skin every time a zombie comes at you, screaming is good for you. Taking a scary ride is indeed a perfect way to unwind after a long day or week at the office.

Have Tons of Fun

A scary ride can be your chance to take part in a real-time horror movie and for once move away from the sidelines. There’s a thrill in running away from blood-streaked zombies out to get you or in outsmarting a ghost trying to sneak up on you. How about playing the hero and rescuing a bunch of babies from a witch who is about to add them to her portion?

In this carefully set and safe environment, you can scream your head out and have fun at the same time. Proper use of low-frequency sounds and strobe lights create a realistic and immersive experience that will blow your mind.

Lower Your Anxiety and Stress Levels

Other than helping you unwind, scary houses and rides have a hidden benefit in that they can help relieve your stress and anxiety. Controlled fear is good for your health. A simulated environment gives you a chance to face your fears without actually being in danger.

The feeling of terror that results when trying to outrun a troll generates a scare response that is useful in dealing with stress and anxiety. It also gives you a chance to lose yourself in the experience and get away from the everyday worries about work, money, or relationships.

Research says that taking a scary ride or visiting a haunted house has considerable benefits for your mental health and wellness. The scary factors trigger off a response in the brain that is instrumental in conquering fears and dealing with anxiety.

For Your Inspiration: Creating an Awesome Wedding Mood Board

a brideOne of the best ways to start the wedding planning is creating a mood board. It is also called the inspiration board, this tool is a visual representation of the style and vibe you want to create in your wedding. It should help you do two things:

  1. Direct your design decisions, making it easier to filter through different options for flower arrangements, table decor, stage design, etc.; and
  2. Communicate your vision to your vendors easily.

A trusted wedding florist in Denver, Colorado shares some steps to making an awesome wedding mood board:

Describe your wedding

Mood boards are all about pictures, but before you snip images at bridal magazines or copy from Pinterest, start with words first. Your keywords will guide you in choosing photos later. As mentioned earlier, your vision board brings out the style and vibe you want to create.

Start describing your wedding in two aspects: what you want to feel during the wedding and how you want it to look like. You may want it to feel intimate and warm, and look vintage at the same time. Maybe you want a cheerful vibe and a colorful look. With these descriptions, it’s easier now to filter through photos.

Consider color and texture

Look at the words again and see which colors and textures you can associate it with. Take the example above: intimate and warm. Given these descriptions, what colors pop into your mind? What materials, fabrics, or plants bring out that intimate, warm vibe.

Your answers to these questions will help you find photos that have that particular color and texture. This is useful when talking with your wedding florist. Experts will find it easier to choose flowers based on the colors and textures you want, matching these with the season at the time of your wedding and the venue.

Look for the key elements

After considering the abstract pieces of your wedding, you can now move to the more concrete aspects of the wedding. Start collecting picture-pegs of the huge ornaments in the event, such as the ceremony arch, table set-up, and vignettes. Include the elements that are present in the event design, such as flower arrangements and linens. Of course, your keywords, and color and texture should still be your guide for this.

Mood boards are the base of your wedding planning decisions. So, sit down with your partner and have fun building your own.

Tips for Having Youthful Skin

a pretty womanRegardless of how old you are, age is just a number. However, some people, especially those who suffer from sun damage and premature wrinkles, might not be quick to believe that. Fortunately, these three tips can help you look young:

Always Use SPF Sunscreen

The most proven way to keep years off your face is to avoid sun exposure. It is one of the reasons for skin aging, including hyperpigmentation and redness. Thus, whether it’s sunny, rainy, or cloudy outside, you need to protect your face with sunscreen. Aside from uneven pigmentation, sun damage causes premature wrinkles and makes you more susceptible to skin cancer. With this in mind, make sure to consult experts such as Clarity Skin and incorporate sunscreen with an SPF of 30 into your daily skincare routine.

Select the Right Skincare Ingredients

When it comes to anti-aging, you should be using basic yet clinically proven ingredients for a more youthful appearance. For example, vitamin C, one of the most potent antioxidants out there, works to brighten your skin and protect it from free radicals and sun damage. Also, retinoids can stimulate the production of collagen and combat wrinkles. Finally, AHA or alpha hydroxy acid can remove dead skin cells from the topmost layer of your skin. Use these in your daily skincare routine, and don’t forget to hydrate your skin because these ingredients can be harsh on sensitive, inflamed, or dry skin.

Don’t Forget Your Décolletage

As you grow old, your décolletage area, especially your neck, loses elasticity more quickly than the rest of your body and takes on that turkey-like skin. Bearing this in mind, you need to ensure that your skincare routine involves giving your décolletage some much-needed TLC. Moisturize daily, exfoliate at least once a week, and use sunscreen every day.

Remember that while prevention is always better than cure, you can also look into non-invasive cosmetic procedures, such as chemical peels, dermal fillers, and lasers for resolving significant issues. Consult a licensed dermatologist to determine what your skin needs.

Mortgage Options for People with Bad or Low Credit

Getting a mortgage with a poor credit score

Getting a mortgage with a poor credit scoreMost aspiring homeowners with low or bad credit think that they won’t ever have the chance to own their dream home because no lender would work with them right? Not necessarily. Yes, mortgage lenders want borrowers with good credit because it’s one of the main indicators of a borrower’s ability to pay their monthly mortgage payments, and having a low credit score could work against you. But how low is low exactly?

What’s Your Credit Score?

Generally speaking, if you have a credit score of 760 or higher, lenders consider you a low-risk borrower, which means that you’re chances of getting the best interest rate and loan terms are practically guaranteed. A credit score between 759 and 700 is good, a score between 699 and 650 is fair, while a credit score below 650 is low or bad. But don’t let your low credit score squash your dreams of homeownership because you do have some options when it comes to home loans.

The FHA Choice Loan

FHA loans were specifically developed for borrowers with low to moderate income and those with low credit scores; even a 580 score would make you eligible for an FHA choice loan. FHA loans even allow borrowers to put down significantly low down payments. However, since the government insures FHA loans, you have to pay for PMI or private mortgage insurance upfront as a safety net for lenders should you default on your mortgage.

The VA (Veterans Affairs Loan)

If you are a retired or active military member, you might qualify for the Veterans Affairs’ VA loan. VA loans come with relatively fair interest rates, no PMI, and no to low down payment. You could even qualify even if your credit score is 620 or lower.

The 15-Year Fixed-Term Mortgage

According to Freddie Mac and Fannie Mae guidelines, a majority of conventional loans require borrowers to have a credit score of 620 or higher. But if your credit score is 620, which is the minimum requirement, you’d probably get a higher interest rate. However, if you take out a fixed-rate loan with a 15-year loan term, some lenders would disregard your credit, meaning that whether you have a credit score of 740 or 620, you would still be offered the same interest rate. This is of course provided that you satisfy all the other requirements such as the minimum down payment, stable income, low debt-to-income ratio, etc.

Regardless of your circumstances, there’s a suitable home loan option for you. Do your research to determine which option you could qualify for and then talk to different lenders to figure out your best option.

4 Types of Vehicles Mechanics Service

Man cleaning the car window

Man cleaning the car windowPeople have ridden on a lot of things, from horseback and steam carriages to today’s cars. Vehicles are important in society, especially since they serve an important purpose in households and businesses. Every day, auto repair shops serve many clients who need their vehicles fixed. Here’s an in-depth look at the types of vehicles that mechanics usually fix:

1. Delivery Trucks

A supplier of Baileigh tube and pipe notchers explains that large vehicles such as delivery trucks need regular maintenance. A closer inspection should be done to these vehicles because they have many parts that need to stay functional compared. Because delivery trucks carry a lot of loads every day, they might get worn down easily if not maintained properly.

2. RVs

Recreational vehicles or RVs would also need regular checks from mechanics since families use these for long-distance travel. The RV has pipes that carry water, as well as a kitchen area that generates heat. These should get fixed to prevent leaks or fire accidents.

3. Rental Cars

Rental cars are used by different people, making it difficult to track the ones liable in case of damages. Those who run a rental car business are expected to keep these vehicles functioning for the next customers. Clients, on the other hand, would need to pay for the repairs in case they accidentally damage the car.

4. Farm Tractors

Farm tractors would also need mechanics for repairs because of the heavy-duty work that they are used for. Farm owners should get their tractors tested to see if the lights are still powered or the wheels and other mechanical parts are still working.

Mechanics are offer assistance in taking care of vehicles owned by their clients. With the help of the right repair equipment, these experts can handle a variety of vehicles.

Less is the Best: 3 Steps to Perfecting the Minimalist Bathroom Design

Minimalist designed bathroomClean, crisp, and uncluttered — that’s what minimalist interior design is. No wonder many Utah homeowners are embracing this trend, most especially for their bathrooms. In an area where the most personal, a neat design is just what every homeowner needs. If you’re planning for a bathroom redesign to incorporate the less-is-more concept, remember these principles to pull it off:

Choose simple elements

A minimalist interior design is all about simplicity, meaning not too many details or not too grand on embellishments. This simplicity is what makes it look clean and organized, appealing to the eyes. When you choose bathroom cabinets or wallpapers, skip those that have bold patterns or pops of color. Keep it simple.

It’s also important to pick a simple element that will be your focal point. Minimalist interiors appear neat, precisely because it draws your attention to a piece that stands out rather than too many stuff cluttering your vision. A common focal point is bathroom countertops. Davis County design experts share that marble, granite, and laminate are popular choices.

Go white, white, white

A distinguishing mark of minimalist interior design is its use of hues. White and neutral color schemes are the most common. This contributes to the uncluttered look of the space. Give your walls a fresh, new white paint. You may also opt for a neutral-colored cabinet and countertop.

Do make sure, though, that you vary the textures and shades of white in your space. You don’t want it to look monotonous. Given that your bathtubs and toilets are already white, choose a slightly darker white shade for the walls or get whitewashed wood floors.

Maximize storage

As mentioned, neatness is the hallmark of interior design. You want to keep your place as uncluttered as possible. The trick here is to maximize storage, so you can keep all your stuff hidden. Add as many cabinets as you can in the space. Repurpose your old bookshelves to add extra storage. Or go for a multi-purpose furniture, like seating areas that serve as storage as well.

Bathrooms deserve the neatness and simplicity of minimalist interior design offers. Keep these principles in mind when you remodel your space.

Common Misconceptions About Home Loans

Mortgage Myths

Mortgage MythsRules regarding home loans are continually changing, which leaves borrowers with questions and misconceptions about mortgage loans. Many borrowers in Salt Lake City, Utah are confused when it comes to mortgage loans are concerned. Take a look at these misconceptions and how they are unmasked.

It is best to borrow home loans from a reputable company

That is not always the case for borrowers looking for a mortgage loan in Salt Lake City. With the thousands of lenders in the lending market, it can be overwhelming to compare and settle for the best lender out there. Most borrowers view banks as the most reputable and the best option for home loans, but other lenders offer competitive deals too. You need to compare interest rates as well as their lending criteria.

The home loan with the lowest interest rate

Interest rates are an essential consideration when applying for home loans. However, you should also consider fees that are charged on credit but not included in the interest rates. They can be legal, monthly or annual services, redraw, or establishment fees.

When applying for home loans, you need to consider comparison rates, which are alongside interest rates and they account for these charges. Therefore, don’t be deceived by lower interest rates when applying for your home loans. Make sure that the terms and conditions are favorable.

The 20 Percent Deposit

People have a misconception that they require to deposit 20 percent of the purchase price for their mortgage loans to be approved. But that is not always the case. You can still have someone or property to act as a guarantor for your home loans.

With these misconceptions unmasked, you can now apply for mortgage loans with the right information. You can be the borrower who finds the right home loan deal.

Preventive, Restorative or Cosmetic Dentistry in Barnsley?

Team of dentists

Team of dentistsProspective dental patients can be easily confused with dental jargon. Truth is that nowadays there are many branches of dentistry, some of which do not sound as self-explanatory as others. Then, there are treatments that appear to be preventive, restorative and cosmetic all at the same time. Confused yet?

Cosmetic dentistry in Barnsley is a combination of preventive and restorative treatments with an emphasis on aesthetics. A cosmetic dentist, such as PDC Dental, will ensure that all restorations are colour-matched to the natural colour of a patient’s teeth for a seamless result or alternatively will enhance the colour of all of a patient’s teeth for a complete transformation.

Preventive Dentistry

As already suggested by its name, preventive dentistry is all about prevention. This type of dentistry usually includes bi-annual check-ups, cleanings, x-rays as well as diagnostic examinations and/or oral cancer screenings. Preventive dentistry is also performed at home by brushing and flossing. However, only a dentist can clean the teeth and gums thoroughly to prevent tooth decay, gum disease and others oral health issues. Cosmetic dentistry in Barnsley has preventive qualities since it encompasses treatments that help keep the teeth healthy for longer, such as cosmetic braces for teeth straightening.

Restorative Dentistry

Restorative dentistry, again as the name suggests, restores the teeth after damage, such as chips, cracks or decay, or tooth loss. Regardless of how careful a patient is, dental disease can creep up and accidents do happen. Popular restorative dental treatments, which can also be considered cosmetic treatments when performed by a cosmetic dentist, include fillings, crowns and dental implants.

Cosmetic Dentistry

Cosmetic dentistry encompasses many treatments found in preventive and restorative dentistry. Contrary to popular belief, cosmetic dentistry in Barnsley is not only about aesthetics, with a full set of straight teeth being easier to clean and providing patients with complete oral function. Other treatments that do focus more on aesthetics can boost self-esteem and so also improve quality of life. These include veneers, teeth whitening and gum contouring.

Choosing the Right Treatment

Patients who are wondering what type of treatment they should undergo, need to book an appointment with an experienced dentist.

VA Loans: Should You Pay a Down Payment?

computing loans and expensesThe main appeal of VA (Veterans Affairs) loans is that they have lenient requirements compared to conventional mortgages. If you meet the qualifications, you can finance a home purchase without making a down payment. On top of that, you won’t have to pay mortgage insurance, which is required in conventional loans if you pay less than 20% down payment. VA loan providers in Ogden note that if you do qualify for a VA loan, you can choose not to make an initial payment. However, you shouldn’t skip the idea of putting down 5% or 10%. Doing so will enable to enjoy a lower monthly payment and to pay less mortgage. Here are the other reasons to make a down payment on your VA loan.

Reduce Your Funding Fee

While VA loans don’t have mortgage insurance, you’ll have to pay funding fee, which covers the losses of the lenders in case your default on the loan. The amount of your funding fee is based on your services, down payment, and whether or not you’ve obtained a VA loan before. You can easily reduce this by making a 5% down payment or more.

Lower Your Monthly Payments

By putting a down payment, you can reduce the overall amount of mortgage you have to pay. As there’s less money owed, it can lower your monthly payments and help you save thousands of dollars in total interest charges. This can also cut your VA funding fee.

Gain a Competitive Edge

If you’re buying a house in a competitive market, you’re likely to face some challenges if you don’t put some money upfront. Putting some money down, however, can show sellers that you’re a serious buyer. A down payment, furthermore, will allow you to have immediate equity in your house. If you qualify for this type of loan, it’s still your call if you want to make some down payment. You can still get a loan if you choose not to, but don’t dismiss the benefits of putting some money upfront. Contact a VA loan provider and learn more about this mortgage.