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Typically known as scribe molding every cabinet or trim molding needs to find it’s place of application. Every cabinet is set in place, shimmed, spaced , leveled and then fastened. When we have our cabinets where we want them then we must cut and , pin nailed usually with a finish nail gun , another type of trim finish molding that will take up the rest of the space that needs to be hidden or finished off so to speak.
Often times we have to cut , notch or scribe around the other parts of a room that get in the way. Moldings are the very product that when executed correctly will make or break a “Job well Done” . The image to the left here shows, after furring out a door jamb with a jamb extension in a bathroom, the cabinet and door casing moldings meet up exactly in the same place! In another instance there is always ways to apply moldings for different looks or decorating. Such as with crown molding, base and case moldings or a common used edge molding trim piece called actual scribe mold.
Where ever these specific moldings wrap around, cover up a gap or create a cap finished look like an plant on oak Ogee arch molding. With the right miter saw and or jigsaw, you can show off your skills that pay the bills faster than you can say “Instant equity”….. why call the guy ? When YOU CAN DIY!!
Trex Nightmare: Having had over $3,500.00 worth of Trex Decking installed. The material bought in Feb. 2005, for my front deck, is deteriorating. Not mold or mildew but flaking off of surface. This deck has had only rain water. Trex sent two people to evaluate my problem and their report to Trex resulted in them offering me $380.84 for replacing 220 lin ft. of decking.???
The story continues:
My quote for this replacement material amounted to $647.44. It will cost me another $400.00 in labor to dismantle and reinstall.—My back deck , installed late in 2005, has so far, shown problems on only 2 boards, 20 ft. long.—The problem starts with bubbling and then completely deteriorates by flaking off of surface material.–This was obviously a bad run of material, as several other decks of same time period have had exactly the same problem.Trex manufactures claim “to make it right” said they have been good about replacing the material but in my case they do not want to replace this much material. I have heard nothing from them since refusing their offer. Their warranty on their product is 25 yrs.–They want me to accept half price of material, do all the labor myself and sign a full and final release for all of my Trex decking. I bought 1540 lin. ft @Approx. $2.20 per ft. when doing my decks. The same material is now $2.60 per lin.ft.–
That story tells the truth about composite decking material, although it can be worked (drilled-notched-sawed) much like lumber, it is man made and this particular batch end up imploding itself. Internal mold issues caused premature delamination and forced a class action suite against TREX. I believe in lumber, built right the first time and looks and feels natural a redwood deck is the way to go.
If you plan on DIY decking in your future, weigh the difference and consider your geographical location. East coast vs. West coast IE., but either way it turns out, you will have improved to curb appeal of your home and will most likely recoup any out of pocket expense (ROI) from that home improvement. Here @ MY-DIY ……….Done Right the first Time!
Foreclosures to persist
According to authors at the Federal Reserve Bank of Cleveland, the nation’s high foreclosure rate is likely to persist. The Fed article looks at the changes in foreclosure and unemployment rates across states, noting the differences in the timing of the movements. The conjecture that the high foreclosure rate will persist is based in part on the observation that states that experienced boom-bust housing cycles in the past (Texas, Oklahoma, Massachusetts and California) had elevated foreclosure starts for years after the peak in foreclosure starts and inventory. These previous boom-bust cycles “were small in comparison to the current cycle,” the article said. While the recession has left deep scars in the housing and labor markets — with the unemployment rate doubling and the foreclosure start rate roughly tripling — the timing of the movements differs over the cycle, according to the abstract, written by the vice president at the Federal Reserve Bank of Cleveland, and K.F., a research assistant.
In So-Cal every Wednesday morning there is a short sale workshop open to the public, allowing homeowners, agents, brokers or investors the opportunity to see and participate in how and why this has been changing communities across our nation. Join us this week or any week for a fulfilling chance at making a difference in the lives of others.
After a long day, one of the things you would be craving for is a warm long bath. A great bath tub can become your best friend at the end of the day. Many people upgrade their tubs with bath tub faucets to make it more delightful to use. Increasing the value of their largest investment, Real Estate. Nowadays, bath tub faucets come in all shapes and sizes so you have countless of options to choose from.
One of the newest things in this industry today is the touch faucet innovation. Some of the touch faucet brands in the market today are Delta and Kohler. The Delta 980T – SSSD is equipped with the latest Touch 20 technology and is one of the leading products in the market. The price of Delta touch sensor faucet in Amazon is $348. Listed at the original price of $585, you would be able to save around $40 when you purchase it in Amazon. It has a Pilar design which was inspired by technology and nature combined. It also features a Magnatite spray head to secure tight fit. Additionally, this product also boasts its Diamond Seal technology which utilizes an electronic valve along with a diamond coating, making it more durable and guaranteed to last a lifetime.
If you want a Zen-styled bathroom, a faucet Asian waterfall nickel sink would be the best way to go. You can find one in Amazon, like the model SV15, which is an oriental inspired bathroom sink and faucet that sells for $425. This product has marble sink which is handcrafted and a brushed nickel faucet finish. The sink is about 1″ thick and colored black and grey. The product includes a pop up drain and a limited lifetime warranty. Bath tub faucets with an Asian design will also go along well with a Zen inspired bathroom. Vintage themes are also popular. You can add vintage glass fixtures for bathroom or look for modern floor mount bathtub faucets if you want a contemporary, modern look.
For a modern styled bathroom, most people choose ceiling mount tub fillers or custom ceiling tub faucets with a contemporary sleek modern finish. This is one of the most unique kinds of bath tub faucets ever thought of. A bath faucet from ceiling mounts is a great statement of modern style. You can find the Kohler K922 CP ceiling mount bath filler at Amazon for $323.86. The product has a solid brass construction and a polished chrome finish for more durability and resistance to tarnish and corrosion. It has a 2 centimeter orifice and weighs about 5.6 lbs. This product can be used for dual purposes. Aside from filling your tub, it can also be used as a shower. The minimalist style is also the modern style so if you want this kind of bathroom, don’t overdo decorations and fixtures. Look for fittings that possess simplicity and clean finishes.
Bath tub faucets, no matter what design, should complement and match the overall look of your bathroom. Before buying a faucet that interests you, think about the kind of look you want to achieve first. Compare the different styles that you want and canvas on some of the things you need to buy. Remember, you don’t have to spend too much and hire a contractor or decorator for this. Just have in mind the right idea, and the great products to go along with it.
BofA Agrees to Pay $108 Million to Overcharged Countrywide
Borrowers Representing one of the largest judgments imposed in a Federal Trade Commission (FTC) case, two Countrywide mortgage servicing companies, now part of Bank of America Home Loans, have been ordered to pay $108 million to settle charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes. In a statement released Monday, the FTC said the $108 million settlement will be used to reimburse overcharged homeowners whose loans were serviced by Countrywide before it was acquired by North Carolina-based Bank of America in July 2008. Bank of America said it agreed to the settlement “to avoid the expense and distraction associated with litigating the case.” According to the FTC, Countrywide used unlawful practices in Servicing homeowners’ mortgages.
The company allegedly charged excessive fees for default-related services, made claims about amounts owed by homeowners in bankruptcy that were false or couldn’t be backed up, and didn’t tell people going through bankruptcy when new fees or charges were being added to their loans. Going forward, borrowers in Chapter 13 bankruptcy must be sent a monthly notice with information about what amounts are owed – including any fees assessed during the prior month. Additionally, the defendants must implement a data integrity program to ensure the accuracy and completeness of the data they use to service loans in Chapter 13 bankruptcy.
Demonstrate the ability to pay the loan and you are halfway toward becoming a commercial investor. Critical is an understanding of the major risks associated with commercial loans from the lenders perspective. Use this as a quick checklist when putting together an offer or evaluating your own potential.
1. Credit Risk. Perhaps the most common type of risk, this simply indicates the ability of the borrower to meet the contractual obligations as outlined in the loan documents…aka, the ability to pay. However, because you are dealing with commercial loans, the credit risk can be impacted by several items including competitive market factors (ie, the inability of the property to lease as expected, increased or decreased demand etc), interest rate sensitivity, rollover of leases (long term leases may be stable but are also more prone to declining values), changes in regulatory environment including zoning and tax laws.
2. Interest Rate Risk. The majority of commercial real estate is financed on a floating rate basis so interest rate risk is a very real threat depending upon the timing of cash flows, yield curves and other economic conditions that may adversely impact the economic climate.
3. Liquidity Risk. Banks must meet obligations the same way that private individuals are required to do so; loss of liquidity means the bank is unable to extend credit or must call loans in order to raise capital. For an investor, liquidity risk is typically isolated to the ability of the bank to loan money in the future should you require it in order to roll-over or refinance a loan.
4. Compliance Risk. Once the domain of elusive economic theory, compliance risk has risen to disproportionate levels thanks in large part to the current crisis as well as outside influences. Examples are broad but range from potential liability of bad debts during the mortgage boom to the current oil spill at BP; a bank may be held responsible for assets held as collateral. High risk assets will be assessed a premium.
Real estate investors seeking entry into the exciting world of commercial real estate should review each property from the perspective of the lender; examine risk levels and potential threats through the eyes of the bank in order to maximize your prospect for success.
Many variation of precast tiles can all be installed anywhere such as tile, precast fire place mantels or precast exterior window and door accents. Precast concrete steps or stairs, for instance are applied such as ceramic tile with thin set adhesives and grout. A masonry diamond grinder or skilsaw blade can cut with ease and prefit into place as a dry run.
Remove any loose or broken surface concrete or stucco to allow your precast concrete to bond as if its all one piece. After window was in place we also added some expanded wire for holding the grout and creating a bond reinforcement that wont crack. These precast stones need to be supported while the thin set dries for 24 hours. This is another fantastic way to accent the exterior finish for a better resale future value return on your investments.
Choosing kitchen cabinets doesn’t have to be confusing. With a little research on your part you’ll know what to ask for, what you want and need, and where to find it. All while saving the most money you possibly can.
First – Decide what you need, what you want, and what you can afford.
Thinking about these questions will help get you going in the right direction.
Crown moulding is one of the lowest cost additions you can make to a home that has possibly the greatest impact and highest return on investment. The addition of decorative moulding enables you to transform any ordinary living space bringing it a new life, charm and elegance. The installation of crown moulding can certainly be a do it yourself type of improvement. However, if you’ve decided to take on your own crown moulding installation project there are some guides you should follow to make your job run smoother and avoid material waste.
First, find out what you need for materials.
You will need to determine what type of moulding and how much of it you will need to buy. You will need to measure and mark your walls for the best estimate on materials. Measure each individual wall and round up to the next foot. If any of your walls measure within a few inches of a length of moulding always buy the next size up just to be on the safe side.
Second – create a plan of attack.
We will be installing each piece of moulding in an ordered sequence, so we should do a quick sketch of the room, top view, as if we were looking down to see which wall we start with. Let’s make this a bit easier and start with the wall opposite the door and then number each wall going counterclockwise.
Let’s also set up our guides for installation on the walls. Hold a piece of moulding at each inside and outside corner to mark the position of the bottom edge. Use a chalk line stretched between the two opposite ends to mark the wall for your installation line. Also, locate and mark the position of studs and joists just below the installation line.
Third – install the first length.
Measure your starting wall and cut the first piece of moulding square at both ends using a miter saw. Then align the piece of moulding with your installation line and begin nailing 8d finish nails working from the center out. Make sure that your nails are centered in the moulding between top and bottom.
Fourth – cutting an inside corner joint.
For inside cuts we use a coped cut to ensure that the face of the moulding joins properly. Place the moulding on the saw with the ceiling edge against the table and the bottom edge against the saw fence. Make sure that the saw is set to a 45 degree angle. If you are coping a left side corner swing the saw to the left and right for the right side. You are doing it correctly if the long edge of the moulding is on the back.
To make sure that we will have a joint that fits tightly we will now cope the inside corner joint. Mark the face of the moulding with a pen on the very edge of the miter cut. Set your coping saw at a 5 degree angle and use the pen marked edge as your guide. Hold the piece in place on the wall to make sure your fit is tight.
Note: Before moving to the next step check to see what type of cut the other end of your moulding needs. If it is another inside corner take a measurement from the top edge of the number 1 piece that you have already installed to this corner. Mark the length of this measurement on your coped moulding and use your miter saw to make a square cut. You can now nail up that piece of moulding.
Fifth – cutting an outside corner joint.
To determine the length of your moulding piece if it ends on an outside corner cut two scrap pieces of moulding at opposite 45 degree angles. Join these pieces together and hold them in place at your outside corner. We can now take a measurement from the top edge of your installed starting piece to the edge of the corner piece you are holding in place. Use that length to cut your coped piece of moulding.
Sixth – The installation process
If the opposite end of your next piece of moulding ends on an inside that does not require a coped end, repeat the measuring and cutting you just did in order to but the outside corner joining end. Then measure and cut the opposite end to but the squared end against the wall. If the opposite end of your next piece of moulding does end in a corner that requires a coped cut repeat step four and complete your outside corner.
Lastly, you will work your way around the room in this same way. Cope your inside corners and miter your outside corners. Check your measurements and make your cuts. If you run into problems like excessively uneven walls, ceilings or ceiling heights due to your house settling or shifting consult a professional to avoid any unnecessary cost and aggravation.