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Home Interior Lighting Fundamentals of The Pros

Your home’s Interior Lighting Plan affects the attitude and mood your rooms project.

Lighting can make a space feel playful, welcoming, romantic or cold. It can draw out and showcase other design elements like color, furnishings, art, architectural features and varied material surfaces and textures. It can also overpower and “wash-out” those design choices so that they virtually disappear.

The interior design lighting fundamentals that follow will take you a long way. With a little study, thought and planning, you can come up with a terrific lighting scheme to match and complement your overall interior design plan.

Lighting includes both artificial and natural light.

Most of us love natural light and go out of our way to bring as much as possible into our homes. Thinking about your main sources of natural light is a great place to start your overall interior lighting plan.

If you’re planning a major interior design face-lift and natural light brings you joy, look to where your can add new sources. Installing French doors, skylights, glass block, larger windows and new door units with sidelights (side windows) are all ways to bring more natural light into your home.

An important tip when purchasing new windows or skylights is to make sure they have low E glass…Low E stands for low emissivity and refers to an invisible metallic coating that gives glass insulating properties and really protects against fading.

When laying out a plan for your different fixtures, you’ll be considering the three main types of artificial light. They’re categorized by their functions.

Ambient lighting is overall, general illumination of an otherwise dark space. Besides traditional ceiling fixtures, Ambient lighting can come from flood style lights in recessed ceiling fixtures or surface mounted track lighting. Lamps that provide lighting for smaller room conversation areas and reading nooks near bookshelves are also sources of ambient light as their light combines with and contributes to a room’s overall general lighting. Upward illumination from wall sconces is a popular trend in ambient lighting.

Task lighting, as its name implies, are light sources directed on areas–a bathroom vanity, a kitchen counter, a reading chair–where greater light is needed to perform a specific task. Reading lamps, under-cabinet fixtures, hanging pendant lights and spot lights in recessed ceiling fixtures are all examples of Task lighting.

Accent lighting will be the third source of illumination you include in your plan…Accent lights can be spot lighting that illuminates a painting, an architectural feature or a wall of books. Wall washer lights are floods directed on walls to highlight interesting texture, multiple art pieces, or simply an accent color.

Candles and the light from a fireplace create a special kind of Accent lighting. Sometimes called kinetic lighting, because of the movement of flame, these sources always provide warm, fascinating and original plays of light off painted and reflective surfaces.

Lamps and Decorative Fixtures serve dual design functions being both a source of light and also objects of interest. They can and should be art objects in themselves, contributing to the overall interior design effect. They can even be a room’s focal point, as is often the case with a Dining Room chandelier. Or, they can create a great contrasting accent of color or texture.

As you think about and work out your home interior lighting plan, take time to familiarize yourself with the many styles of fixtures and lamps available. Part of your job is to compile a budget, and lighting cost vary greatly from fixture to fixture and from supplier to supplier. Sometimes quality is reflected in the cost…and sometimes it’s not. Lighting specialty stores and lighting departments in home remodeling centers are usually staffed with knowledgeable salespeople who can help you refine your choices. These stores along with websites of lighting suppliers and online interior design stores are great places to discover fixtures that will suit your needs at your individual budget.

Unsecured Home Improvement Loans Explained

Home improvement loans can be used for anything home-related. You can add rooms to your house, repaint it, retile it, remodel it completely, furnish it, refurbish it… the sky is the limit. As a financial advisor, I have received many enquiries on loans designed to aid you in improving your home. They are somewhat new in the market and have become therefore the new favourite. People do not always know that they can apply for an unsecured form of this loan type. This way, the risk of foreclosure disappears instantly. Peace of mind is everything.

In this article we will draw attention to the general facts regarding this subtype of loan, as well as the advantages and the disadvantages. I hope you enjoy!

General Information

An unsecured loan is that which does not need a collateral pledged against it. What this means is that, if you apply for an unsecured home improvement loan, the lender will not have the security a collateral gives. Amounts to be borrowed range from $500 to $25,000. And the repayment period can go from 6 months to 10 years.

Requirements For Approval

As with any unsecured loan, the lender is undertaking major risks. This means that many financial institutions or banks can be picky when it comes to loan qualification and approval. They will often require high credit scores and good financial histories. This does not mean that people with bad credit will not be able to secure an improvement loan, but they will have a harder time in finding a lender to fund their project.

Improvement Loan’s Advantages

There are many advantages associated with this type of loan. The most obvious one is the fact that the borrower runs very few risks when applying for a loan like this. Why is this? As the property is not used as a collateral, in case the borrower fails to pay the loan back, the lender will by no means be able to take possession of the home (which is called foreclosure). The idea of not jeopardizing the future of their home and of their family is very reassuring for the borrower.

Improvement Loan’s Disadvantages

As opposed to secured loans, unsecured loan (no matter the type) tend to carry higher interest rates. This is meant to balance the risk the lender undertakes when lending money with no security of getting it back, they usually have to take insurance policies to protect themselves. Another drawback related to this loan type is that the amounts offered are lower than the ones offered for a secured loan. Also, if the borrower has a bad credit score, the sums of money available for them will sink even lower. What is more, the length of the loan will also be shorter than in a secured one. Many borrowers ignore the higher interest rates and the higher monthly payments in exchange for the tranquility to know that they cannot lose their homes if they fail to pay.

Whether you decide on a secured or an unsecured home improvement loan, the easiest way to search for them is online. Surf the web, compare repayment plans and terms and request free loan quotes whenever possible. Your home improvement loan is getting closer and closer!