Touch of Black Adds Allure to a Home

Everybody knows what a little black dress does for a woman. Guess what? Black accents do the same for a home.

A touch of black can add intrigue, sophistication and even mystery to a decorating scheme, inside or out. Paint your door black, and suddenly your house stands out. Add a black coffee table or a black-and-white chair to a monochromatic room, and the decor goes from dull to dramatic.

A bit of black is almost a cure-all for an uninspired space! Black works because it adds contrast without clashing. Since it goes with everything, it’s easy to add to any color palette.

And it doesn’t have to involve a big change. Even something as simple as adding black knobs to a vanity can break up the monotony of a bathroom with matching fixtures. Black works well in accessories or small accents, such as throw pillows or area rugs.

Painting window sashes black are becoming popular. The effect is almost like eyeliner, drawing attention and adding interest both inside the house and out. It’s also a historically accurate detail on an older home, since sashes were often painted dark colors in the 19th century.

Black, however, is best used with restraint. Too much black, and the power of contrast is lost.

Some other good ways to add a touch of black:

— Paint non-matching chairs black to unify them.
— Paint an outdated piece of furniture black to update it.
— Spray-paint ornate gold picture frames flat black to downplay the glitz and focus the attention on the artwork.
— In a traditional room, add a chair or pillow in classic black-and-white toilet. In a mid-century modern setting, use a bold pattern such as a trellis design.
— Instead of decorating daughter's bedroom in her favorite color, use black and white as the base with the color as an accent. Black and white will be more sophisticated and easier to live with as the child grows older, and the accent color can be changed easily as her taste evolves.
— Add black in odd numbers: maybe one strong piece, such as a sofa, wall or door, or three smaller pieces sprinkled around the room, such as a throw, a vase and an accent pillow.

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Divide Between Appraiser and Homeowner Perceptions

Accordingly to the Detroit-based Quicken Loans, appraiser home value opinions continues to fall below homeowner estimates.

The trend of a widening gap between appraiser and homeowner opinions continued in April, according to the Quicken Loans study of home value perceptions. The Home Price Perception Index (HPPI) showed appraiser opinions were 0.69 percent below homeowner estimates in April. The index dipped compared to March when appraiser opinions were 0.40 percent below homeowner estimates. April marks the third consecutive month of appraiser opinions falling below homeowner estimates.

It is not surprising to most appraisers that homeowners are overestimating their home’s value on a national average. There is nothing more disappointing to a homeowner than learning that the value of their home is less than they expected. This index is important for homeowners as they set reasonable expectations.

At the same time the national Home Value Index (HVI), a measure of home values based solely on appraisals, increased in April after a drop in March, gaining 0.28 percent nationally. Values also continued their strong year-over-year increases, rising 5.54 percent since April 2014 on a national level.

Even though the home values increased in April, it was not enough to cancel out March’s decline around the country. Homeowners that are still underwater are looking for large increases, but those increases can in fact price homebuyers out of the market. Home affordability could become a worry if home values increases get too far ahead of the modest pace of wage increases, which are sitting at about 2 percent annually.

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Dracula's Castle For Sale!

Perched in the Transylvanian mountains like a harbinger of death or a vulture or something equally as creepy, the castle that inspired Bram Stoker’s “Dracula” tale is now for sale. Although only allegedly believed to be the inspiration for the Irish author’s description of Dracula’s castle in the book, tourists still habitually flock to the castle year after year for a taste of horror-themed nostalgia.

The castle was built in 1212 by Teutonic Knights who created the wooden castle as a fortified location at the entrance of a mountain valley used by traders for more than a millennium. It was also used as a defense against the Ottoman Empire in the 1400s, and over the next few centuries, it served as a customs point. The castle has exchanged hands plenty of times since then, and even played a strategic military role in the mid-18th century.

Bran Castle was reportedly offered to the Romanian government for a hefty price tag equivalent to $80 million USD. The public listing price has not yet been announced, but the owners are looking for a buyer who will continue their vision of maintaining and growing “the largest and most significant attraction in Romania.”

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THE 25 NEW ORLEANS COMMANDMENTS

Click on this link:

http://www.thrillist.com/entertainment/new-orleans/the-25-new-orleans-commandments

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Curb Appeal Counts!

First impressions count — not just for your friends, relatives, and the UPS guy, but for yourself. Whether it’s on an urban stoop or a Victorian front porch, your front door and the area leading up to it should extend a warm welcome to all comers — and needn’t cost a bundle.

Here’s what you can do to make welcoming happen on the cheap.

1.    Clear the way for curb appeal. The path to your front door should be at least 3 feet wide so people can walk shoulder-to-shoulder, with an unobstructed view and no stumbling hazards. So get out those loppers and cut back any overhanging branches or encroaching shrubs. 

2. Light the route. Landscape lighting makes it easy to get around at night. Solar-powered LED lights you can just stick in the ground, requiring no wiring, are suprisingly inexpensive. 

3. Go glossy. Borrow inspiration from London’s lovely row houses, whose owners assert their individuality by painting their doors in high-gloss colors. The reflective sheen of a royal blue, deep green, crimson, or whatever color you like will ensure your house stands out from the pack.

4. Pretty up the view. A door with lots of glass is a plus for letting light into the front hall -- but if you also want privacy and a bit of decor, check out decorative window film. It’s removable and re-positionable, and comes in innumerable styles and motifs.

A way to get the look of stained glass without doing custom work or buying a whole new door: Mount a decorative panel on the inside of the door behind an existing glass insert, $92 for an Arts and Crafts-style panel 20-inches-high by 11-inches-wide.

5. Replace door hardware. While you’re at it, polish up the handle on the big front door. Or better yet, replace it with a shiny new brass lockset with a secure deadbolt.

6. Please knock. Doorbells may be the norm, but a hefty knocker is a classic that will never run out of battery life, and another opportunity to express yourself (whatever your favorite animal or insect is, there’s a door-knocker in its image). 

7. Ever-greenery. Boxwoods are always tidy-looking, the definition of easy upkeep. A pair on either side of the door is traditional, but a singleton is good, too. About $25 at garden centers.

8. Numbers game. Is your house number clearly visible? That’s of prime importance if you want your guests to arrive and your pizza to be hot. 

9. Foot traffic. A hardworking mat for wiping muddy feet is a must.

10. Go for the glow. Fumbling for keys in the dark isn’t fun. Consider doubling up on porch lights with a pair of lanterns, one on each side of the door, for symmetry and twice the illumination. Many mounted lights are available well under $100.

11. Snail mail. Mailboxes run the gamut from kitschy roadside novelties masquerading as dogs, fish, or what-have-you to sober black lockboxes mounted alongside the front door.

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Who Pays America's Highest (and Lowest) Property Taxes?

The second biggest cost of home ownership—following the mortgage—is usually property taxes. In 2012, U.S. homeowners paid an average of about $2,800 in property taxes, according to a recent Zillow study. And if you live in New York, New Jersey, or Colorado your taxes were in some cases five times more than the national average. The numbers are based on an average of real estate taxes paid on single family housing in 2012.

The residents of Westchester County in New York pay more in property taxes than the typical resident of any other major American county. The average property tax bill for a single family home in Westchester County comes to $14,829 a year.

Adjusting for the average cost of single-family homes in each county, homeowners in Allegany County, NY win the award for the highest property tax burden. The average tax obligation of $2,549 in Allegany County amounts to 3.8 percent of the average single family home value; in Westchester County, the average tax obligation is slightly lower, at 2.5 percent of the county’s average home value. Nationally, the typical homeowner is spending approximately 1.4 percent of their home’s value on annual property taxes. See the full rankings below.

Highest Property Taxes as a Percent of Home Value

Allegany County, N.Y. (3.76 percent)

Milwaukee County, Wis. (3.68 percent)

Kendall County, Ill. (3.57 percent)

Sullivan County, N.Y. (3.56 percent)

Orleans County, N.Y. (3.49 percent)

Lowest Property Taxes as a Percent of Home Value

Caroline County, Va.( 0.17 percent)

Catahoula County, La. and Randolph Ariz, (0.2 percent)

Iberville County, La. and Cumberland County, Tenn. (0.21 percent)

Butler County, Penn. and Maui County, Hawaii (0.22 percent)

Elmore County, Ala. and De Soto County, La. (0.23 percent)

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Housing Gains Predicted

More modest gains are likely this year, according to the most recent Kiplinger Letter forecast. The national average of appreciation in home values will be up 4 percent-4.5 percent, compared with a gain over 11 percent in 2013.

The top stated reason for this increase is rising mortgage rates, will increase to 5 percent or so for 30-year fixed rate loans by the end of the year. Another possible is that fewer investors are offering all-cash deals, with bargain prices and.

The Kiplinger letter forecasts that new-home building will accelerate again, helping to offset the construction drought of 2008-2012. Keep an eye out for housing starts this year to climb by 15 percent and top 1 million for the first time since 2007. Sales of new homes are predicted to be a bright spot.

Another prediction: More existing homes will go up for sale, as price hikes pull homeowners out from mortgages that are underwater, making them more willing to sell. Sales will climb by 4 percent, but inventory won’t be as tight.

Affordability, though declining, is still better than the historical norm: A median-price home costing 20 percent of household income. In 2013, it took just 15 percent of income to buy an equivalent home. When mortgage rates rise to 5 percent, it will cost 17 percent of income.

More moderate growth this year is not necessarily bad news, it signals a more sustainable, long-term growth trajectory that will help quell fears that another bubble is arising.

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