The way to Measure & Cut Fabric for Decorative Pillows

Decorative pillows are the jewelry of a room’s decor. They improve and encourage the plan scheme and also can introduce texture and pops of color to an otherwise dull interior. A little amount of exceptional fabric can earn a one-of-a-kind design statement, but can be a budget-breaker if custom-made by a professional sewer. But with a little bit of information and some preparation, a homeowner can create her own decorative pillows, reinforcing her own style and freeing up decorating bucks for a different purpose.

Set the pillow filler on a bit of furniture and oriented since it will be when complete. Measure and record the width since the distance from left to right and length since the measurement from the top to bottom. Measurements are listed as “width by length.” The measurements demonstrate the orientation of the pillow, indicating design management and closure placement. For example, a pillow referred to as “20 by 12” indicates that the pillow is 20 inches from side to side, plus 12 inches from top to bottom. The pattern generally runs from the very top to the bottom and a bouquet of flowers, for example, would run parallel to the 12-inch side. The closure would be set in the bottom 20-inch seam.

Assess the width of a pillow cover as from side seam to side seam, and also the length as from the top seam to the bottom seam. Normally the bottom seam homes the zipper or hook-and-loop closing. Add seam allowances and cut on the pillow fabric to the newest measurements. Seam allowances are typically 1/2 inch from home decor sewing. When inserting cording or welting to the flux, make the seam allowance exactly the same width as the width of the welt flange.

Establish one straight line and use it as the side or bottom of the pillow. Draw a line on the incorrect side of the cloth equidistant into the selvege. Use a carpenter’s square or T-square to mark 90-degree corners from this line. Measure diagonally from corner to corner within these perimeter lines and ensure that the measurements are equal.

Cut the fabric according to the design, not the grain, on a printed fabric. Cut a pattern into the required size using clear plastic or partially transparent non-woven interfacing. Center the pattern over the plan on the fabric and trace around the pattern piece. Cut on this line.

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Can Landlords Come Into Your Own House Without Approval?

As a tenant, you have the right to quiet enjoyment of this lease property and a fair right to privacy. Your landlord also has the right to enter the lease property for particular reasons as summarized by California Civil Code Section 1954. These laws attempt to strike a balance between landlord and tenant, giving the landlord the access she needs to this property without allowing too much intrusion or harassment. Once landlords and renters both know Civil Code Section 1954, there’s absolutely no explanation for a landlord to abuse those access rules.

In the event of Emergency

A landlord has the right to enter into a rental property without consent in the event of an emergency. A crisis is an instance where a lack of activity will cause damage to your property. Examples of an emergency include a fire, broken water heater, a gas flow or open windows at a critical rainstorm. There is not any restriction as to the time of day the landlord may enter to an emergency.

Make Repairs

A landlord should keep the rental property in habitable condition and perform maintenance jobs that happen because of wear and tear. The landlord must offer the tenant with suitable written note when he would like to enter the lease property to make repairs. The note must state when the landlord will enter the unit and why. California law says that 24 hours is considered reasonable notice. The landlord can simply schedule the entry during reasonable business hours, believed to be between 8 a.m. and 5 p.m. on weekdays. And have to leave written proof, like a note or business card, signaling that she was inside the lease property.

Permit Access to Professionals

Several repairs and maintenance jobs are beyond the abilities of a landlord, so outside professionals have to be called in. Plumbers, electricians, HVAC contractors and professionals may need access to the lease property to do jobs that keep the lease property habitable. With 24 hours written notice, a landlord can accompany the professionals to the lease unit, allow them access and stay with them since they perform their work. These appointments can only be scheduled during normal business hours and landlords have to leave written proof of entry.

Show the Unit to Potential Tenants

Landlords have the right to make sure their lease properties are continuously occupied. When a tenant gives notice to vacate, or receives a lease termination notice, the landlord begins searching for new renters. Sometimes, landlords desire to market their lease property and need to demonstrate it to prospective buyers. In any event, the landlord should notify the current tenant of when potential renters or buyers will likely be viewing the property. The landlord must accompany the guests and leave written proof that she entered. Appointments can only be set during normal business hours. In case the landlord is trying to sell the lease property, she must provide the tenant a 120-day note of intent to market.

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Depression Era Bedroom Furniture Styles

Most Depression Era bedrooms featured Colonial-style furniture, a holdover decor alternative from the 1920s. Another trend in the 1930s was streamlined Moderne furniture, for instance, sleek Waterfall design, with its curved edges and delicate inlay patterns. Waterfall spinoffs arose to cater to customers with declining incomes. Straightforward farmhouse furniture also typified ’30s-era bedroom decoration. Depression Era furniture was diverse; several bedrooms exhibited mixed styles. To emulate the look, you may include different furniture styles at the exact same bedroom.

Colonial Holdover

An early ’30s-era bedroom exhibits remnants of the former decade’s trends, including a dark, Colonial-style dresser having a trifold mirror and a skirted dresser stool. Walls in cream, mauve or dove gray dot with the subdued, Depression Era palette. A Colonial 2- or four-poster bed in dark mahogany adds a real touch, as does a Colonial dresser. Ruffled bedspreads and curtains deliver vintage authenticity. Accent pieces might incorporate a Priscilla — a portable sewing rack with arch particulars, turned legs, and flaps that are double-sided and hinged.

Art Moderne Sojourn

Waterfall furniture adorns many ’30s-era bedrooms. The style has curving edges, subtle inlays and Bakelite handles. A streamlined vanity may possess the inlays and an outsized, circular mirror. A matching sleigh bed generates unity. For Depression Era bedrooms on a budget, a Borax dresser provides a much less expensive choice — Borax pieces feature yellow undertones and extensive, painted inlays. Floral wallpaper is a staple of the era, but a Borax dresser is offset by the plainness of a good accent wall in soft yellow, gold or sloping.

Farmhouse Charm

Many ’30s-era bedrooms have a rustic farmhouse sensibility. A white iron bed conveys simple elegance, combining with a white chenille bedspread and other white accents, including a porcelain light fixture and a porcelain doorknob. Light coloured furniture adds into this ’30s-era farmhouse motif. A fundamental dresser in pine coordinates, and easy drawers with wood knobs increase the timeless appeal. A circular, skirted accent table has a homemade look. Or pair a skirted or embroidered stool with a simple vanity at light pine.

In the Next Decade

Traditional styles coexist in Depression Era bedrooms, and not only Colonial style, which saw a series of 20th-century revivals. A ’30s-era bachelor’s chest — or chifforette — might feature both Chippendale and Queen Anne-style detailing. Commingling in one bedroom, multiple styles of furniture display the ’30s-era innovation of five-ply veneers. From ruffled curtains to kerosene lamps with frosted glass, floral patterns abound in ’30s and ’40s-era bedrooms, including the relief work on dressing tables, dressers, accent beds and chairs with wide headboards and foot boards.

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What Colour to utilize for Kitchen Cabinets and a Island?

The kitchen island is a snack centre, breakfast bar, work station and storage unit smack in the center of the chef’s real estate. It commands high visibility only by location, so getting the decor details right is essential to integrating the island with the cabinets — the other major presence in the room. Decorating style, island materials and kitchen colours are all factors to consider when choosing the paint or finish to the closets and island.

Safe and Solid

A monochrome or limited colour scheme in the kitchen is the trick to simple balance. In a small room, matching the cupboard and island colours allows the eye to roam over an unbroken expanse of color — it may earn a cramped kitchen look bigger. All-white kitchens appear to have no boundaries, and the exact same paint or laminate on cabinets and island disguises differences in style, design period or even the relative newness of a single fixture or the other. All-black or a very dark shade enhances the perception of depth, pushing rear walls. A traditional kitchen with forest-green cabinets and island, granite countertops and rubbed bronze hardware unifies the various kitchen components in a larger, well-lit room.

Primary Colors

A colorful kitchen can be as classic as biscuits and milk when you select marquee bits in the basic shades of the crayon box. A red tooth vintage-style stove will hog all the attention with no equilibrium, but you may use the cupboards and island as upbeat counterpoints. Leave windows found, if at all possible, for maximum sunlight. Polish the warm hardwood floors. Paint cabinets a whipped-butter yellow or yellowish heavy-cream paint and white the island foundation a distressed Confederate blue, or even medium blue with a hint of teal in it. Walls at a clear light yellow mimic more sunlight and you may add a butcher block or copper work surface into the island. Now you have a red, yellow and blue kitchen that’s welcoming and easily incorporates decor gaps among the main players. Make these biscuits oatmeal-raisin or walnut chocolate chip.

Bath Contrasts

When the island is an add-on in a classic white kitchen with white cabinets, ceiling, appliances and marble counters, give it some theatrical flair and make it a centerpiece. Chalk paint will chip and faux-age a re-purposed or just-built cabinet that forms the island foundation. Barn red, burnt pumpkin, olive or sesame paint and a little extra distressing give you a vintage island. The countertop gleams in brushed stainless or shiny copper. Change the hardware on those discreet white cabinets along with the island to coordinate with the island countertop material.

The Grays Have It

Various tones of gray are soothing and sophisticated at a kitchen that needs to pull open closed and open cabinets, a cooker, fridge and a massive hood in another color from the cupboards along with a linoleum or tile flooring. Paint the staircase a shade of gray only a bit deeper than the cupboards — choose from subtle gray-greens, warm and cool grays, but maintain the grays close in intensity. Replace all counters — above cupboards and on the staircase with dark soapstone or granite and, over the backsplash behind the stove, add a few quirky personality with charcoal chalkboard paint along with a few scribbled recipe notes along with a handy steel spice rack.

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How to Update Kitchen Cabinet Doors With Decorative Molding

Turn even the most drab kitchen cupboards into custom-designed creations by dressing up the cupboard doors using molding. Frame the form of the door with flat or angled molding, or add an extra touch with details and faux-carved trim for the appearance of expensive cabinets at a fraction of the price tag.

Framing to Boost Drab Doors

Jazz up apartment, detail-free cupboard doors using molding around their perimeters to get a frame-shaped enhancement. Use apartment plank-style molding to get a simple or modern appearance, or select angled moldings for another effect. Sand the perimeter of each cabinet door, regardless of what it is made from, to create the adhesive stick better. Use a wood adhesive for wooden cabinets and trim, or even a multi-purpose construction adhesive suitable for laminates or even non-wood surfaces, even if either the cupboard doors or even the moldings are not wood. Cut the molding at 45-degree angles for the corners if using angled moldings; flat moldings might be cut at 45- or 90-degree angles, together with each piece butting up against its neighbors around the surface of the door.

Detailed Dimensions

Whether you have chosen angled, mitered moldings or a fundamental, flat frame for the door statues, upgrade them using detailed moldings. Details like braids, rectangular dentils or bands of olive leaves add an elegant touch for your handiwork. Adhere the narrow detail strips within the framework, selecting pieces of comparable thickness to get an excellent match. For best results, select both the outer molding as well as the in depth pieces from the exact same shop, positioning them up against one another prior to deciding on a final purchase.

Beadboard Makeover

Change the appearance of the door statues completely by inserting beadboard within the room framed by the molding. Cut the beadboard to match within the molding “frame” on each door, adhering it in place with wood glue or construction adhesive. Cover the space between the beadboard and molding together with thin curved or detailed trim strips for a finished appearance. Add beadboard into the exposed sides of wall and floor cabinets to give the entire kitchen a cohesive appearance.

Finishing Up

Paint the cupboard doors entirely, including the edges, after adding trim and molding to create the pieces look as if they were designed like that. Paint the cupboards also, if you prefer, to get a fresh cabinet makeover after cleaning, sanding and wiping down the exposed cabinet surfaces. Replace the cabinet door hinges, handles and pulls for another very simple update, or repaint the existing hardware so that it fits appliances if the shape of each hardware piece suits the type of your own kitchen.

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Homeowner's Insurance — What Are My Rights?

Homeowner’s insurance covers your home against other sorts of land reduction and damage from disasters. The extent of coverage you receive depends on which type of coverage you purchase. Federal and state laws provide you with legal entitlements and protections should you purchase any type of homeowner’s insurance coverage.

Premium Change Restrictions

If your house insurer finds an error in your premium calculations before 60 days has passed, you have the right to receive a written notice of this mistake and the new premium level. You can request the company to cancel the policy when the new premium level is unacceptable. The insurance company can’t raise your premium because of an error made by the company, the employees or an insurance agent if your policy has been effective for over two months, says the California Department of Insurance. The company could have the ability to cancel the coverage entirely if the superior error is important and would cause the company considerable financial loss.

Cancellation and Non-Renewal Notices

Your insurance provider has limited options available for canceling or refusing to renew your house insurance coverage after your policy has been effective for at least 60 weeks, the California Department of Insurance says. The cancellation allowance for insurers is limited to certain reasons, such as non-payment of premiums or fraud committed by the homeowner. You have the right to receive a notice of non-renewal in writing at least 45 days before your policy expires, and a notice of cancellation must be delivered to you in writing at least 10 days before the cancellation date. The insurer must state the reason.


You have the right to a refund of a part of the premium if you cancel your homeowner’s insurance. The kind of refund you receive is dependent upon the conditions specified in the cancellation part of your policy. A short speed calculation system is normally used if the homeowner accomplishes the policy, and the organization keeps a proportion of your premium to offset administrative costs. Some insurers calculate the refund on a pro rata basis, dividing the amount of days left on the coverage by the amount of coverage times and multiplying the result by the premium amount to reach a refund amount. The pro rata method of calculation must be used to ascertain your refund amount, In case your policy is canceled by the insurance company.

Right to Purchase Coverage

In some states, you have the right to buy homeowner’s insurance from your state’s insurance plan in case you’re denied by private companies. California and Texas, for instance, maintain”Fair Entry Insurance Plans (FAIR)” to help homeowners who can’t find coverage because of eligibility motives or require special coverage which is not available through private insurers, such as flood insurance. Some states require that you have proof of refusal of coverage from a particular number of companies, such as two or longer, before you’re allowed to receive a reasonable program.

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What Happens to My House When I File for Bankruptcy?

Bankruptcy is a federal procedure to remove or reduce most of your debts. Whether you get to retain your house in bankruptcy is dependent upon a number of factors, including how much equity is in your house, if you’re current on your payments and what the existing California homestead exemptions are for insolvency. The chapter of bankruptcy you record may also play a part in what happens to your property.

Type of Bankruptcy

The two chief types of customer bankruptcy are Chapter 7 and Chapter 13. A Chapter 7 bankruptcy is also known as a”liquidation” bankruptcy because almost all of your assets are liable to be remanded to the bankruptcy trustee on behalf of your creditors. A Chapter 13 bankruptcy is much more akin to a payment plan you workout with the bankruptcy court to pay back your debts over a three- to five-year period. If you’ve got a house of any substantial price and you file Chapter 7, then you’re liable to lose the home to the bankruptcy procedure. If you can afford a payment strategy as structured at a Chapter 13 bankruptcy, you will probably be able to maintain your property.


If you would like to maintain your house when you file bankruptcy, you have to file a reaffirmation agreement with the court. A reaffirmation agreement says that you consent to your current mortgage’s liability regardless. In other words, you merely keep making the payments on your home as though you had never filed for bankruptcy and also hold on to your property. A reaffirmation agreement is effective only if you’re current on your mortgage. You can not claim your mortgage debt after registering for a reaffirmation.

Equity in Home

If you have limited equity in your house, you may still file a Chapter 7, along with a reaffirmation agreement, and possibly keep your property. California allows you to exempt up to $75,000 of equity within your home if you’re single or $100,000 if you’re married, even at a Chapter 7 bankruptcy. If you’re submerged in your mortgage or have restricted equity, you might be able to exempt that equity at a Chapter 7 proceeding and reaffirm your mortgage.


The state where you file bankruptcy may play a huge part in the way your home is handled. While bankruptcy is a federal process, each state decides its own exemption amounts, and some countries are more generous than others. By way of example, while California’s homestead exemption runs up to $100,000 as of 2010, some countries may allow you to maintain a house of any value at a bankruptcy proceeding.


Especially if you’re submerged in your mortgage, then you may simply file Chapter 7 bankruptcy, stop making payments and walk away from the mortgage. That is true in most countries, including California. Assuming you qualify for bankruptcy, you will lose your home in this situation, however you’ll also no longer be responsible for the mortgage debt.

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How to Compare Real Estate Companies

When shopping for a real estate business, consumers frequently use businesses referred to them by friends or associates. There is a way to acquire additional information about those referrals. A nation’s real estate division licenses real estate businesses that do business within the country. By logging onto the nation’s real estate division site, you are able to access information regarding different businesses. Normal information listed might include actions and general public comments. Every state has its own site navigational system; therefore, that the process may vary from one state to another.

Use the State’s Department of Real Estate Website

Go on the Internet and log on to the Department of Real Estate site (at California). In other nations, the section may have a different name; for instance, in Florida it is the Department of Business and Professional Regulation.

Click the”License Status Check” box on the right side of the home page of the site. This applies specifically to the California Department of Real Estate site, yet other nations may have similar postoperative systems.

Scroll down the page which opens and click on the”Real Estate Agents and Salespersons” link.

Type the name of the real estate business and city in the form that opens and click”Find.”

Click the license amount to the left of the name of the real estate business. A brand new web page will start displaying information concerning the real estate business.

Note that the information listed on the website, like when the office has been established, the name of the designated broker, how many branches they have, and whether there are any public feedback or disciplinary actions. Repeat the previous actions to look up other offices, and compare the data between offices, focusing primarily on date based, public opinions and disciplinary actions.

Interview Offices by Telephone

Write down an inventory of the real estate offices you would like to compare, for example, phone numbers.

Prepare a list of questions to ask when calling every real estate office, including what geographical region the office functions, which kind of agency services it provides (like whether it primarily serves sellers or buyers ) and which type of property is its specialty.

Call every office and ask to speak to the dedicated broker or office manager. Interview the broker or office manager, requesting your listing of questions. Write the responses on your list beside every name.

Compare the responses and choose an office which most suits your requirements.

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Tax Strategies for Real Estate Agents

As a realtor, your gross profit is not salary. It is business earnings that must cover both your wages and your expenses. Handle it successfully using a sound tax plan. By maintaining cautious expense records, choosing a business structure that reduces taxation and personal accountability and claiming the entire selection of allowable deductions, you may enjoy substantial tax savings and web more from each hard-earned commission check.

Expense Records

File receipts for every single expenditure that might be deductible. Common things include local real estate board dues, license-renewal and broker classes, desk fees, car expenses, cell phone, advertising and advertising, mistakes and omissions insurance not paid by your broker, and the cost of business supplies and equipment not supplied by your broker.

Health Care Costs

If you are married and your partner carries employee-paid medical insurance for your loved ones, obtain it on your own instead. Provided that you offer it for yourself and don’t use a strategy provided through your broker, the premiums should be tax-deductible. Realtors can also deduct medical expenses and health savings account contributions.

Form an S Corporation

If you are like most real estate brokers, you file taxes as a sole proprietor pay a hefty self-employment taxation because of this. According to CPA Mark Kohler at”7 Tax Strategies Every Realtor Must Know!” An S corporation may lower your self-employment taxation by permitting you to”divide salary and dividends.” Additionally, an S corporation can shield personal assets one proprietorship leaves vulnerable.

Retirement Planning

During his live seminars, real estate career coach Brian Buffini strongly encourages agents to fully fund their retirement programs. Keoghs and SEP-IRAs are two retirement-plan choices. Speak with a tax pro to learn which kind is likely to benefit you most.

Home Office Deduction

The higher-than-average audit speed of people who claim a home office deduction leaves some real estate agents afraid to claim it. That’s unfortunate, as it is a legitimate deduction for self reliant agents, even those whose agents offer office space, that may reduce taxable income appreciably.

Section 179 Expensing

Business equipment, furniture and other things intended to be used for more than a year, including those purchased for a home office or for your personal use at an office or day desk your broker supplies, are depreciated over numerous years. However, U.S. Internal Revenue Code section 179 allows you to deduct the entire cost of these things in the tax year that you purchase them.

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Rules & Regulations on 2nd Mortgages

For some homeowners mortgages are a great deal. By borrowing against the equity in their own home –the value of this house less the dimensions of the mortgage–owners can take out money at lower prices than most other consumer loans. That makes second mortgages a good way to handle an emergency expense or to repay credit card debt. A second mortgage may be either a home equity loan or a home equity credit line (HELOC).


Federal law, including the Truth in Lending Act and the Home Equity Loan Consumer Protection Act, requires creditors to give anyone looking to take out a second mortgage with complete facts about the rates of interest, fees and closing costs and other expenses involved. Lenders must also show borrowers an annual percentage rate which translates the overall interest and fees –or using a HELOC, only the interest–into a predetermined interest rate, which makes it easier to compare the cost of different supplies. Before this loan is agreed to by them, borrowers are entitled to see this info. When the amounts have changed from the time of closure, they are entitled to back out and ask a refund of any application fees, according to the Federal Deposit Insurance Corp..


In addition to the very low rates of interest, another benefit of taking out a second mortgage is the interest on up to a $100,000 loan or HELOC is tax-deductible, the Investopedia website says. Some lenders will provide high-interest second mortgages for up to 125 percent of the borrower’s equity; in those cases, interest on the portion of the loan which isn’t secured by equity isn’t deductible. In case the proprietor has $60,000 in equity and also occupies $75,000, for example, interest on the extra $15,000 would not be deductible.


The lender can begin foreclosure as the first-mortgage holder may, if a homeowner defaults on a second mortgage. The bank’s interest is authorised to the first mortgage, the NOLO legal website says, so no matter who initiates the sale, the senior lender must be paid off first before a second- or third- mortgage lender receives any money. Junior creditors can sue in court if the foreclosure sale does not recover the money that they lent the homeowner. If a homeowner proposes a short sale–finding a purchaser with a better deal than the creditors could expect to get in a foreclosure auction purchase –all mortgage holders must agree to the sale.

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