Kriss Stevens & Scott Manley - CENTURY 21 Cobb Real Estate



Posted by Kriss Stevens & Scott Manley on 9/24/2017

Chairs, especially traditional and reclining chairs with deep cushions, are favorite furniture pieces. The furniture is so popular that television shows like All In The Family and Frasier set aside an old comfy chair for a star of their show. Everyone familiar with Archie Bunker knew not to sit in his lounge chair. It was as if the chair was a part of Archie.

A similar thing happens in real life families when fathers, mothers, uncles, aunts and grandparents find a chair so comfortable and inviting that it's the first place they head to when they return home from work or an out-of-town excursion. Clearly, choosing the perfect chair can have a long lasting impact.

Choosing the right chair

For years, chair choices were limited to mainly lounge and rocking chairs. Then, out came arm less chairs. You may see these chairs in company cafes or recreation areas. Arm less chairs are built like modern kitchen chairs, except their spines tend to be wider.

Arm less, accent chairs work well in tight spaces. They also fit easily into corners. Accent chairs also come with arms, offering a more traditional look and feel. Where accent chairs differ from older chairs is in their design.

Colors that accent chairs are made in tend to be more distinctive and modern as well. You can save money with an arm less accent chair. But, you generally won't yield cost savings if you get one of these stylish chairs with arms. Other chair types that are on the market include:

  • Easy chair
  • Egg chair
  • Club chair
  • Chesterfield chair
  • Skirted chair
  • Folding chair
  • Ottoman
  • Slumber chair
  • Sweetheart chair
  • Parlor chair

Important features to consider when selecting the perfect chair

In addition to selecting the perfect chair type, when furnishing your living room, den or bedroom, think about the fabric and cushion depth that you want in a chair. Also, decide if you want a hard or a soft back. As an example, parlor chairs are often built with wood or metal backs.

Depending on where you plan to place a chair in your house, it may be especially important to measure the width, length and height of the area where you want to put the chair. If you live in a small space, a chair might be great but turn out to be too big.

To ensure that a chair offers ample support, consider shopping for a chair in person. Sit in four or more chairs before you make a final decision. Should you order a chair over the Internet, pay attention to the chair's measurements and read reviews about the chair.

Find out if the chair has to be assembled. Many online reviews post how long it takes to assemble a chair and how easy or difficult the assembly was. If you want a chair that you can assemble in 10 minutes or less, opt for a chair that only requires you to attach the legs.

Add more design to a chair by placing one or more throw pillows in the chairs corners. Take your time selecting the perfect chair, as the price of a chair is not much less than what you'd pay for a love seat or sofa.




Tags: chair   accent chair  
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Posted by Kriss Stevens & Scott Manley on 9/17/2017

Are you a Millennial who is interested in buying a home? If so, now may be an excellent time to purchase a house. Millennials who understand the ins and outs of buying a house will be better equipped to make a great home purchase. So what should a Millennial look for in a new house? Here are three factors that every Millennial should consider when they evaluate a house: 1. Location Location is everything in the real estate market, and Millennials who consider a house's location relative to their personal needs are sure to find a wonderful house. For instance, if you don't own a car, you may want to consider purchasing a house that is located near public transportation. Conversely, if you want your home to be a haven from the hustle and bustle of your day-to-day office work, you may want to consider buying a house outside the busy city. Examine the location of a prospective residence during the home evaluation process. By doing so, you'll improve your chances of finding a home that fulfills your personal needs both now and in the future. 2. Price A home is a long-term investment, and as such, you'll need to consider the house's price before you begin your search for the perfect residence. Getting pre-approved for a mortgage generally is a good idea before you start looking at homes. Pre-approval means you'll be able to establish a homebuying budget and determine the maximum amount that you can spend on a house. Also, you should examine your personal finances closely prior to your home search. This may allow you to find ways to save extra money for a down payment on a house and explore other cost-cutting measures to ensure you have enough money to afford a new residence. 3. Debt Unfortunately, debt plagues many Millennials and can destroy your chances of purchasing a house quickly and easily. As a result, you'll want to examine your debt and find ways to reduce it before you buy a house. To minimize debt, you'll first need to know your credit score. Fortunately, you're eligible for a free copy of your credit report from each of the three major credit reporting bureaus (Experian, Equifax and TransUnion) at least once a year. Get a copy of your credit report so you know your credit score. Then, you can review the sources of your debt and work toward paying off outstanding credit card bills and other debt that may hinder your ability to purchase your ideal residence. Of course, buying a house can be a stressful endeavor for Millennials. And if you need extra help along the way, it is essential to remember that you can employ a friendly, experienced real estate agent. A real estate agent enables you to take the guesswork out of the homebuying process, and ultimately, may make it simple for you to find a house that fits your personal needs and budget. With the right real estate agent at your side, you'll be able to streamline the process of buying a house and discover a residence that suits you perfectly.




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Posted by Kriss Stevens & Scott Manley on 9/10/2017

Minimalism is everywhere lately, and it’s no wonder why. With each of us cramming our days full of more and more tasks, buying larger houses, and being bombarded with advertisements for all of the things we need to fill those homes up with, it becomes apparent why many are turning to a simpler way of living. Or, at the very least, trying to cut down on the amount of stuff we own and have to keep track of.

Since our homes are where we keep all that stuff and where we spend the majority of our time, you can see how it becomes easy for homes to get cluttered and messy.

In this article, we’re going to talk about some of the reasons you might want to incorporate minimalist ideas into your home and give you some tips on how to go about simplifying your life at home.

Less clutter, less cleaning, more time

The obvious benefit of minimalism is that the fewer things you own, the fewer things you have to spend time taking care of. This goes for cleaning, maintaining, and storing. It might be tempting to buy the latest single-cup coffee maker, but do you really need another thing to take care of and find counter space for?

When it comes to cleaning, a minimal house is much easier to take care of. Fewer things to dust and wash means you can spend more time doing things you enjoy.

To illustrate how much easier it is to clean a minimal room than a cluttered one, just image how long it takes to mop the floors of an empty room compared to having to move or clean around furniture.

The same reasoning applies to mowing a lawn--it’s easier to mow in a straight line that it is to have to carefully avoid objects strewn across your yard.

Easier to live in  

By nature, we are an animal that loves to be organized. We get frustrated when things aren’t where we left them or when we forget where we put something we need. A minimal home takes away some of that frustration by allowing fewer opportunities to lose our keys or whatever else gets lost in the piles of clutter.

More welcoming to guests and more relaxing for us

Each of us has our own preferences when it comes to decorating. However, one thing that can be said about humans is that we tend to feel more relaxed when we’re not crowded by things or other people.

Similarly, it’s easier for us to focus in environments that have fewer distractions. A minimal home office would ideally contain mostly just the necessities for whatever work you need to accomplish.

How to get started

Now that you know the benefits, here are some ways you can get started making your home more minimal.

To avoid taking on too large of a task at once, approach your home one room at a time. Take note of what is in that room and think back to the last time you used it. Does it serve a purpose? If the object is just for decoration, is it a decoration that you feel adds to the room or does it clutter it up too much?

By asking yourself these questions, you can begin to make your home a more relaxing, more welcoming environment for you and your guests.




Tags: decorating   clutter   minimalism  
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Posted by Kriss Stevens & Scott Manley on 9/3/2017

Shoppers are more confident than ever in making purchases online. Moreover, younger generations are more likely to make their purchases online, which means the e-commerce industry shows no signs of slowing down. This comes as no surprise in an economy where many of us are hoping to save a few pennies when we can, and what better way to find the best deal than to compare prices online? Buying furniture online is no different. In busy cities where many people do not have a means to transport furniture, the prospect of having a new dresser delivered right to your home for free is appealing. Online furniture shopping offers a wider variety and sometimes better prices than a brick-and-mortar experience. So, the question is, should you make your next furniture purchase online? Here are some things to consider before clicking the "check out" button on your next furniture purchase. Shipping and returns Have you ever bought clothing online only to find out that it didn't fit when it was delivered? You can face the same problem with furniture. It's important to check beforehand with the online store what the shipping and return details are. If you are worried that there might be fine print in the company's "free returns" policy, get it in writing from a customer service representative that there will be no fees and that shipping labels will be provided. Customer reviews One of the beautiful things about online shopping is the ability to find honest, sometimes ruthlessly so, feedback about the company or furniture item. Never make a purchase without reading the reviews. With online shopping no news does not equal good news. If there are no reviews, look for a similar item that has plenty of positive feedback. Get to know the company Buying furniture is a commitment, and an expensive one at that. If you walked into a furniture store that was filled with cheaply-made items with no employees in sight, you probably wouldn't make the purchase. The same goes for online purchases. Check out the website, read the "About Us" and testimonials. If the website looks like something that you used to wait for 20 seconds to load on your AOL dial-up, you might want to steer clear. Don't depend on the photos Things don't always look the way they do in the pictures. You might order a coral sofa to find that it's hot pink. The texture of fabrics looks different in images, and some photos are edited to give furniture smooth edges where they don't exist. If the store has a brick and mortar location, you could go in to try before you buy. If not, request a color or fabric  swatch to be sure it's the right fit for your home. Double check your measurements Before you check out, go back and read the item description to be sure that the product your buying is the correct size and dimensions. Similarly, double check the measurements at home. Follow these pointers and you should have a good online furniture shopping experience. But if you don't, be sure to leave a review on their site for the next potential customer.




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Posted by Kriss Stevens & Scott Manley on 8/27/2017

Applying for a mortgage can be a lengthy and difficult process. Lenders want to know that they are going to get a return on their investment.

To ensure that they’ll see that positive return they will take a number of things into consideration, such as your income, credit score, employment history, and financial capital.

First-time homeowners often struggle when it comes to these prerequisites since they have fewer years of numbers for lenders to consider. If you’re one of those people, don’t worry--you can still purchase a home.

First-time homeowner loans, which are guaranteed by the U.S. government, and a number of private loans enable people to borrow money for a home without paying a huge down payment or having a vast credit history.

One downfall of said loans is private mortgage insurance, or “PMI.”

In this article, we’re going to talk about what private mortgage insurance is, how to avoid it, and how to get rid of it. 

What is PMI?

If you make a down payment on a mortgage that is less than 20% of the loan amount, you will most likely have to pay private mortgage insurance.

PMI exists as a way for lenders to help guarantee they won’t lose money off of your loan. If you make a down payment of 20% or more, then lenders are typically satisfied that they won’t lose money from doing business with you.

PMI is not to be confused with home insurance, which protects you against damage and theft. Rather, it is an additional fee you’ll pay to your lender each month that is added to your mortgage payment.

PMI is calculated based on a few considerations. Lenders will take into account your down payment amount, the value of the mortgage, and your credit score.

In terms of costs, PMI typically costs between .5 and 1% of the total mortgage amount each year.

Avoiding PMI

Naturally, it’s best to avoid paying private mortgage insurance altogether. Private mortgage insurance has no future value for you and your family since it doesn’t count towards building equity and doesn’t protect you from any potential financial harm (your lender is the sole beneficiary of PMI).

Saving for a down payment can take time, and sometimes you’ll need to rent or cut costs while you save. However, if you do take on a loan with PMI, you can still cancel it at a later point.

Canceling your private mortgage insurance

The first thing you should know about canceling PMI is that it usually isn’t easy. You’ll need pay off at least 20% of the home, write a letter to your lender, and wait for an appraisal of the home. Once you’ve done this, you still have to wait while your lender considers your request. In all, this process could take months--months that you’re still required to pay PMI.

Once common way to get out of PMI is to refinance. If the value of your home has increased since the time of you taking on the loan, the new lender likely won’t require PMI. However, you’ll want to make sure that refinancing will get you a lower interest rate and cover the costs of refinancing. 




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