Creating a Welcoming Home Décor

It’s common to see the word welcome on doormats at the front door. It’s an indication you want visitors to feel welcome and comfortable in your home. That’s also how your family should feel. Creating a family-friendly and possibly pet-friendly décor is the ideal way to create a relaxing and welcoming atmosphere. Including handmade items in your décor can accentuate a homey atmosphere.


Stain resistant upholstery is typically the best choice for an active household. Choosing furniture that has zippered cushions can make cleaning easier for you. Fabric that doesn’t trap pet hair is essential if you share your home with pets. Although leather is more expensive than some other fabric options, it’s extremely durable, easy to clean and won’t trap odor or pet hair.

Handmade Accessories

Handmade items seem to instantly add a feeling of hominess to the décor. Handmade Persian rugs are visually exquisite, yet durable enough for a family-friendly living room. Handmade accessories such as throws and pillows can elevate the beauty of your living room or bedrooms. It is very trendy to include nature-themed items in your décor. There are lots of handmade, nature-related decorative accent pieces available. You could also have the family make decorative accessories from items you find on a family outing.

Kid’s Art

Children love drawing and painting. You can frame some of their work and use it as wall art throughout the house. You can use multiple framed pieces to create an artistically unique accent wall. There are lots of craft projects involving kid’s art that you can do to showcase pieces of their art. You can display a picture under a piece of glass placed on an end table or coffee table. Don’t hesitate to be creative with display ideas.

You can create a home décor that makes your family feel welcomed as soon as they walk through the door. You don’t have to forfeit beauty to create a family-friendly, pet-friendly home. Choose your furnishings and accessories wisely and enjoy fun family moments at home.

How Reverse Mortgages Got Their Start and How They Work

You have probably heard a reverse mortgage is a great retirement home loan option unlike a standard loan. What you may not understand is the purpose of a reverse loan and how the concept actually works. To grasp the potential benefits of reverse loans for retirees, you must first delve into their origins. Here is a brief look at how reverse mortgages got their start and how they work.

The First Reverse Mortgage Ever Offered

Reverse mortgages got their start in the United States in 1961. The first one was issued in Maine. A woman concerned about the possibility of losing her home when her husbands income was no longer coming in went to a local lender to ask for help. That lender became the first reverse mortgage lender by developing a special type of loan to help her. Reverse loans have gone through several changes through then, including government regulation, but they still have their roots in that initial agreement.

The Evolution of the Reverse Mortgage Process

As reverse loan agreements became increasingly popular, the United States Department of Housing and Urban Development (HUD) started developing its own version of a reverse mortgage. Today, it is known as a Home Equity Conversion Mortgage (HECM). An HECM is just like a reverse mortgage in most ways, except it is government-insured and typically issued by a government agency like HUD or the FHA. A loan from a private reverse mortgage lender is still controlled by some government regulations but is not government-issued.

The Reason it is Called a Reverse Mortgage

If you are wondering why a reverse mortgage is referred to as “reverse,” it is because you get ongoing money from the lender according to the terms of the loan, at least until the total available home equity is borrowed. To figure out how much you can borrow, a reverse mortgage calculator is used. By using the reverse mortgage calculator tool, you and your lender can use specific information to figure out exactly how much money is available to borrow from your home equity.

A standard mortgage requires you to repay money to your lender regularly, instead. That can cause extra financial problems when you are on a fixed retirement income. The reason a reverse loan has no such requirements is it is designed to be a long-lasting loan that provides financial assistance throughout your retirement. As long as you stay in the home, you do not have to repay all of what you borrowed at any particular time.

When You Have to Pay Back a Reverse Mortgage

You have to pay back a reverse mortgage if you cease to meet the terms of the loan at any time. For example, you are required to continue paying the costs associated with owning the home. Failure to pay such expenses, including taxes, or filing for bankruptcy may cause you to default on your loan. Another way you can default is by moving off the property before the loan is paid back. In any such situation your options are to pay back the remaining loan balance or agree to the sale of the property.

Reverse Mortgage Spending Restrictions to Considering

Reverse mortgages have very few spending restrictions attached to them. You can use the money to fund vacations, retirement hobbies, or family needs of any sort. Paying medical bills or monthly utilities are also good uses for the funds. The major restrictions on how you can spend the money are any closing costs are taken out of what you receive ahead of time and you cannot maintain any other home loan while you have a reverse mortgage. Therefore, if you already have a traditional mortgage, you must use the funds you receive to pay it in full before you can be free to spend remaining funds for the purposes you desire.
















Provide Better Customer Service within Your Dry Cleaning Business

Dry cleaning businesses are still alive and well. Inviting technology into your business can help you to stay modern, however. There are a number of ways for you to provide better customer service to your customers, ensuring that they stay loyal to you and your brand.

Implement POS

A dry cleaning POS system can make a big difference within your operations. You can get rid of your old-fashioned register system. Make it easier for people to pay with cash or card. Give them an itemized receipt in print or email it to them. With an advanced POS system, you can also run advanced reports, telling you more about the most popular services.

Provide Service with a Smile

The concept of providing service with a smile is sometimes lost. You may have had a long day and be too quick to provide someone with their dry cleaning without taking the time to ask about their day. Customer service is one of the top factors when consumers decide who they want to do business with. If you have employees who struggle with providing service with a smile, it might be time to provide them with some one-on-one training so that they aren’t, inadvertently, sending your customers to another dry-cleaning business.

Add a Loyalty Program

A loyalty program can be added so that you can thank customers for continuing to choose you on a regular basis. When you have a comprehensive POS system, running a loyalty program is easier. You can have customer profiles built in, allowing you to track how often a customer visits you. You can add points to their account and show them what kind of discounts they can utilize during each visit.

When you take the time to build your customer service platform, it will allow you to become customer-centric. You will find that customers are happier with you, and you may get more business as a result of word-of-mouth marketing, too.

The Virtue of Negotiation: Always Avoid These 7 Mistakes in Your Divorce Settlement No Matter What

Divorce can be an emotional and stressful time. Regardless of whether you want the divorce or not, sometimes the settlement process has to be undertaken for the good of everybody involved. However, with so many emotions involved, so increases the risk of making a mistake.

Any mistake made in the divorce settlement process can be costly, both socially and financially, which is why it’s vital to stay focused and alert throughout. To help you make the right decisions, today, we’re going to explore seven of the most common mistakes you need to avoid.

#1 – Thinking You Can Have It All

Whether you’re thinking about property, finances or possessions, you might have a list of ideas on what you’re going to keep throughout and after the process. However, setting your expectations unrealistically too high can lead to disappointment and frustration. Remain neutral.

#2 – Not Asking Questions

Throughout the entire divorce process, it’s vital that you ask as many questions as you needto know. Remember, this is your life, and if you don’t understand something, you need to seek clarification. Accepting everything in blind faith may not result in the best outcome.

#3 – Believing Everything Will Be Fair

It doesn’t matter how long you’ve been with your spouse, you might think you know them, and it turns out they’re the complete opposite. Never assume that everything is going to pan out fairly as you never know what’s going to happen.

#4 – Not Thinking About Finances

It’s a common misconception that your finances will be split 50/50 upon divorce. There are plenty of variables throughout the process, so you need to make sure you know exactly where you are now in terms of finances and plan for what you’re going to do in the future.

#5 – Avoid Facts and Figures

During the settlement process , they’ll be lots of facts and figures thrown away relating to different areas of the case. However, by avoiding focus on them, this can cause serious problems, especially if the ‘facts’ are incorrect. Always double and triple check all data to ensure its accuracy.

#6 – Not Considering the Details

When you’re talking to your lawyer and organizing your family law strategy , it’s vital that you share all the information possible with your legal professional. This is because any detail can add an entirely new angle or perspective to each case, and failure to share information can completely undermine the final outcome.

#7 – Forgetting the Deadlines

It’s understandable that some people are going to want to case proceedings to be over and done with as soon and as quickly as possible. It’s tempting just to turn away from the whole thing and wait for it to blow over.

However, be aware that some parts of the process have deadlines that need to be addressed. If they’re not, they can cause serious problems for you.


Don’t let divorce get you down and make your life worse. By being organized, focused and aware of your rights and responsibilities, a divorce settlement doesn’t have to be a messy process. Always seek the advice of a legal professional and aim for complete clarity from start to finish.

Planning a Family Reunion

Planning a Family Reunion

If you’re like most people today, your family is likely spread out across the country, or even living abroad. With the cost of travel expenses, it’s often hard to see your family members on a regular basis. Why not plan a family reunion where everyone can gather in one location? Planning a family reunion is a big task that will take careful preparation. It’s an event that may include hundreds, even thousands, of immediate and distant relatives. The cost of the reunion and travel expenses will probably impact the size of the event, so you’ll need to establish parameters first.

Start Planning Early

Set a date for your family reunion as early as possible, preferably a full year in advance. You will need a lot of time to create an organized schedule, find a convenient location, make arrangements for hotel rooms, meals and activities, and figure out last minute details. Family members with children in school will have to plan around school activities, so a summer reunion may be more convenient.

Make Up a Guest List

Overall costs for the event will depend on the number of family members that are invited. Of course, parents, grandparents, sisters and brothers, and grandchildren will be on the list, but what about first cousins, second cousins, and beyond? Ideally, inviting everyone would be great, but it’s likely that you won’t be able to include every branch of your family tree.

Find a Location

Finding a location that works for everyone may be difficult. It’s best to look for a centrally located place that’s convenient for most family members, especially if you have elderly grandparents and small children on the guest list. If there’s a family member with a large back yard or a beautiful public park nearby, you can rent a high peak tension tent for meals and family activities.

Plan a Time Frame

If you’re planning an annual reunion, a weekend will be enough time. If family reunions don’t happen very often, consider a week or at least a few extra days for family members who can stay a little longer. It may be years before another family reunion occurs.