Poor Credit Home Improvement Loan

A poor credit home improvement loan is a great way to finance the alterations and decoration you need in your home. Maybe when you bought your house you were newly married. The place was cozy. However now with two growing children your house has turned from cozy to rather too snug for comfort. That’s when thoughts turn to extensions, loft conversions and the like. The trouble is, money has been tight, giving the kids all they needed and wanted, and of course you wanted vacations too. The car needed repairing.

They say trouble comes in threes, but to you it has felt more like the bills were breeding indiscriminately. So, you hit trouble with your mortgage and took out a loan to ensure you kept a roof over your heads. Then it got difficult to repay that loan as the kids needed new shoes; and there was that school skiing trip too. All this is adding up to you having poor credit; home improvement loan opportunities are still out there for you too, though, so don’t despair.

What is a Poor Credit Home improvement Loan?

Well, to give the obvious answer for just a minute, it is a home improvement loan which is specifically designed for people who have a poor credit history. Does that sound like you? A loan for a person with a low credit scores can be spent on whatever you wish, so it offers the perfect opportunity for you to extend your home or upgrade your facilities to lead the life you wish in the home where you want to live. No moving to a smaller or cheaper home or making do with substandard kitchens or poor bathrooms.

How is this Possible?

Believe it or not, there are many lenders who don’t care anywhere near as much as you do about your poor credit; home improvement loan packages are offered by them. Such lenders know that the vast majority of people acquire poor credit ratings through one-off circumstances like unemployment, divorce or illness. They don’t hold against you what could happen to us all. They know you are really capable of managing your finances, so they readily extend the offer of a poor credit home improvement loan to you anyway.

Do I need collateral?

No, you don’t. You can get a home improvement loan without putting up your house, car or other valuable possessions as security against the prospect of defaulting on your loan repayment. That said, an unsecured loan is likely to cost you in higher interest, so think carefully about this choice of whether to offer up collateral before applying for such a loan.

What’s so Special about a Poor Credit Home Improvement Loan?

Lenders are realists, right? They want their money back. They know that if they place unreasonable demands on you as a borrower, you won’t be able to keep up with the terms, and that helps no one. So you will find that this loan is likely offered on a longer repayment period, which makes your monthly bill more affordable, especially if you can secure a loan with a low rate of interest.

Installing Laminate Flooring On Stairs

Installing laminate flooring on stairs requires more attention be paid to details. Every piece of the stair needs to be cut precisely to achieve the best looking flight of stairs. The stairs consist of three basic parts. The tread ( where you step ), the riser ( the vertical rise ) and the stair nose which is the edging on the front of each stair.

When installing laminate on stairs in most cases the stair nose over laps the laminate and this makes the stair nose raised up about 1/8 to 3/16 of an inch. Consider who lives in the home such as small children or elderly folks. This may be a potential tripping hazard.

The process for installing laminate flooring on stairs consists of four basic steps (no pun intended).

  1. Preparing the stairs
  2. Cutting the over hang off or building the stair out
  3. Cutting the individual parts
  4. Gluing and nailing the treads, risers and stair noses on Preparing the stairs Most likely there will be carpet on the stairs that will need to be removed. The best way to do this is with a pair of pliers. Just grab the carpet with the pliers at the top of the stairs and pull work from the top down until all is removed. Ware gloves when doing this, the staples and tack strip are very sharp. Next pull the padding off the stairs, most often its stapled down also. Remove any tack strip with a pry bar and a hammer. Next remove any staples, pulling each one out can be time consuming. A 4 inch scraper (not a putty knife) with a dull blade works good for this. Pound down any nails sticking up. If there are any squeaks in your stairs now is a good time to put some screws in to tighten them up, three inch drywall screws work good for this. Use the scraper to scrap any paint over spray or clumps of drywall mud off each stair. This will enable the glue to bond to the stairs. Cutting the over hang off or building the stair out Some stairs may have an over hang that may need to be cut off. Or you can fill the space underneath with wood, so the top of the stair is a square edge. To cut the over hang off you will need to measure under each end and transfer this measurement to the top on each side. Draw a line across the top of the stair and cut with a circular saw or a saw zaw. You will not be able to always cut all the way to the ends. In this case it can be broke off and chisel any excess wood. Cutting the individual parts I found the easiest method to install laminate flooring on stairs is to cut all the parts first and then glue and nail them after wards. Start by cutting the first riser at the bottom. First cut the width to fit in the opening. The adjoining walls on either side may not be square, so you may need to cut them at a slight angle to avoid gaps. After you get the riser cut to the correct width you will need to cut the top of the riser to be flush with the tread. Set the riser in place and scribe a line from behind to follow the tread. This can be cut on a table saw. After you cut this set the riser in place and check that it is flush with the tread. The stair nose will rest on the riser and the tread. Cutting the riser flush will ensure that the stair nose sets level when installed. As you proceed up the staircase, you will need to cut a riser and then a tread as the risers will need to rest on the treads in order to cut the risers flush with the top of the stair. The installed riser is going to rest on the tread below. Cutting the treads are pretty much the same as cutting the risers, as far as cutting the sides to make a tight fit. The laminate will be glued so you do not need any expansion gap. You will need to cut the front of the laminate tread so the stair nose over hangs the riser and also over laps the laminate tread. Use a small piece of stair nose as a guide to know where to cut your treads. As you cut each riser and tread number each one for the corresponding stair. After you have all the risers and treads cut you can either cut the stair noses at this point or install the risers and treads first then cut the stair noses. I prefer to cut the stair noses after I install the treads and risers. Cutting the stair nose is just a matter of cutting the ends to the correct angle if any. Gluing and nailing the treads, risers and stair noses on Use construction adhesive to glue the risers and stair nose on. You can also use it to glue the treads on but I prefer to use a wood adhesive to cover the whole tread. Start at the bottom and apply the construction adhesive to the back of the #1 riser. Next set in place and with a nail gun nail it at the very top 3 across ( I use 15 gauge 2 inch nails). The stair nose will cover these nails at the top. Put 3 more nails across about 3/4 of the way down. These nail holes will be filled in with a matching putty or caulking. Always double check your stair noses to make sure they sit level ( front to back). Apply the glue or construction adhesive to the next tread up, stop the glue about 2 inches from the front of the stair. This is where the stair nose will be attached. Set the tread into the glue and check the front edge with the small piece of stair nose to make sure it over hangs the riser and covers the edge of the tread. If satisfied nail in the very front where the stair nose will over lap the nails about 4 across ( I use 18 gauge 2 inch nails here). Also nail along the back as close to the riser as possible. The next riser will be installed on top of the riser covering these nails. With the stair nose cut to the proper size, apply construction adhesive along the 2 inch space on the edge of the stair and the top of the installed riser. Be generous with this glue, you want the stair nose to be glued very good here. Set the stair nose in place and shoot four 2 inch nails in the center of the stair nose. One on each end about 2 inches in and 2 evenly spaced between the ends. Fill any nail holes with putty or caulking. Continue up the stair case , after you have all the stairs glued and nailed try not to use the stairs any more then you need to. The glue will be set up good in about 24 hours. Take your time and you will have a beautiful looking stair case.

Simple Tips Your Own Home Improvement Projects

Most people are very fearful when it comes to the topic of home improvement. Whether the physical requirements of the job seem great or the task too complicated, many people are beaten before they begin their home improvement task. This article is meant to provide you with the requisite knowledge to take on those around the house jobs that you would otherwise hire someone to do.

Adding accessories to your room can be a great way to make a space feel like your own. Infuse your own personality into your room by carefully choosing some accessories to your liking. Make sure not to go overboard with decorations because it can make a small room feel rather cramped.

Choosing to use wooden flooring instead of carpeting can save you a lot of hassle in the long run. Carpet can contain allergens and cleaning it is sometimes out of the question. The cost of ripping up and replacing your carpet can almost be as costly as just putting down wooden flooring. Wooden floors can be refinished and repainted as needed; also providing a more rural and cottage style environment.

The improvements that are easily noticeable are very important. Whoever looks at your house is going to go off of what they see, so the last thing you want to present to them is peeling paint or some untrimmed hedges, which can cause them to not buy the house. While it is true that some of the most important improvements are not obvious, for the selling of your house you need to focus on the obvious visual ones.

A nice addition to any home is a nicely crafted fence. If your home is lacking a fence, you might decide it is time to build one. Fences look great in just about any home and can help raise the property value of your home. You can also feel a little more secure, as having a fence can help keep random strangers off your property.

If you have popcorn on your ceiling, get rid of it. The popcorn ceiling look was very popular in the 60’s and 70’s but now it just looks dated. You can find solutions that will soften the texture allowing you to scrape it away. It’s a simple change but it can really bring your house firmly into the new century.

An affordable and speedy way to upgrade the look of your bathrooms is to utilize coordinated metal fixtures. Shower curtain rods, towel racks and even toilet paper holders come in assorted shapes and finishes. Quite often, you can find these fixtures in coordinating collections at your local home improvement store. Many packages can be installed in less than a day.

If you are low on cash, but need to remodel your kitchen cabinetry, a great way to save money is by ditching cabinets altogether. Set up some nice shelving on the wall with canisters to store your items and use baskets to store larger groceries you may need. This creates a really neat shabby chic look that looks great in old colonial homes.

Your house can look more chic by adding a little garden area in the front. First decide what kinds of plants are able to grow in your climate and purchase them from a store. Plant them in a nice design near your porch or doorstep. For a nicer and cleaner finish, add some small fencing around your garden area to fully define the space.

There is nothing quite like the satisfaction of doing a job yourself and doing the job well. The most important part of home improvement is to overcome your fear. By taking a job one step at a time and following the instructions and advice provided by this article, you will be surprised at what you can accomplish!

Curbing The Home Improvement Trend to Stay

Home improvement is a catching trend. People improve the state of their household so that they can enjoy a better life and take advantage of the renovations. Some people opt for home improvements to increase the resale value of their place. Whichever the reason, there is no denying that any change done to the home gives it a much fresher and approachable look. However, most of the renovations are done for the interiors, like getting granite counter tops for kitchen or perhaps installing new flooring for the home. The exterior of the house is an untapped resource of real estate glory. Exterior of the house can be improved by installing designer windows or getting vinyl siding for the house or even constructing conservatories. Curbing your front yard or lawn is the latest mode of renovations.

Suburban areas have a capacity to accommodate a fairly large garden in their front or back yard. There can be several elements incorporated into the landscape provided they can be separated. Concrete curbing offers this advantage. It helps isolate the flower bed from the lawn and disallows the weed or any rubbish to get in between. Concrete is the perfect element for curbing as it is strong and can be molded in any shape. Besides, it does not rust or rot like metal or wood. It can withstand the harshest of climate. There is also an option of adding dye to generate any desirable colour to the mix. The concrete borders can thus be matched to the colour of the house or perhaps in contrast. Concrete Landscape borders are popular as they can be laid around any given structure without any problems. These are very easy to install and can be completed in short amount of time. The concrete is mixed and fed to a machine which then extrudes beautiful and continuous border around any structure you desire. You can avoid cars from being parked on to your lawn by laying down curbs between the driveway and lawn. In this way, your garden can be tread mark free.

Parking lot curbs has become a necessity in every commercial establishment these days. These are made of plastic and resin and are placed actively around the parking spaces. It helps control traffic jams and prevents any mishaps. The parking chaos subsides and becomes much easier and smoother. Parking lot curbs are made out of material that can withstand snow, rain and strong sunshine. These are made with enough care so that they can maintain their structure even after bearing the entire weight of cars and trucks.

Curb installation must be done by a professional team. It is essential that the experts understand how and where you want the curbs to be installed. They will offer insights after studying your space and understanding your requirements. It is always better to draw up proper contracts so that there is clarity for both parties. Always make sure that there is a clause for cleaning up the property after curb installation is complete.

Improve your curb appeal today!

Restoring Your Used Dining Room Furniture Through Painting

Life isnt easy, but at least we can do something to alleviate it. At these trying times, refurbishing your old dining room furniture is a good way of saving money. A sturdy dining table or chair with minor scratches is worth refurbishing. And repainting it can do the job. Depending on your color of choice, you can now have the power to match it with your dining halls. Painting is the most affordable and easiest way to revive your old dining room furniture without hurting your pockets badly.

The following are the commonly used paints in refurbishing dining tables with proven good results.

Try white washing. If what you are trying to achieve a Southwestern or country theme in your dining room then white wash is the best. Have a test practice first on a piece of wood before trying it on your dining table. Start by cleaning and degreasing your furniture. Once they are thoroughly clean and dry, then it is ready for first coat of white paint. Reapply for second and third coat only after each 24 hours interval. After that, your furniture is ready for whitewashing. Dip a rag into the denatured alcohol and rub against the wood as lightly or as heavily as you desire, depending on the consistency you are looking for, lightly rub, for a bolder look, rub heavily. Make sure to replace your rags once in while to achieve the effect that you want.

Enamel painting. Hard, glossy and opaque finish; that is the result you can get from enamel painting. Traditionally, enamel paints were defined as oil-based enamel, but water-based paints are now available on market. Apply the first coat, after 24 hours sanding will follow. Make sure that there is no sanding residue left before applying the second coat. Two coats should sufficiently cover the old surface and provide a smooth, hard finish. On dining table tops, paint with the wood grain in long, even strokes.

Antique Glazing. Though this is not advisable for real antique dining room furniture but has a wonderful effect with not so expensive pieces that you want to have an antique touch to it. Antiquing is the technique of glazing a base finish to simulate age or create an interesting color effect. Enamel is the most common base for antiquing, but varnished, shellacked, and lacquered surfaces can also be glazed.