Creating Comfort Through Interior Design

Just because the Christmas decor is put away and the festive mood of the holidays is over doesn’t mean we have to stop creating a snug and cozy home. It’s a good time to embrace winter Hygge! If you aren’t familiar with Hygge, it’s a Danish word for feeling content and cozy.

Here are seven ways to bring Hygge style comfort to your home, even during the dreariest winter month of the year!

 

LAYERED LIGHTS

Even if you feel like you’re lacking in the cozy department, simply addressing your lighting will make a huge difference. Layers of lighting make every room feel more welcoming. In the daytime, natural light is ideal. But for evenings, it’s nice to add a cozy glow. A good rule of thumb is to try to have a least three light sources in every room. Use a mix of table lamps, floor lamps, task lamps, and overhead lighting. Consider using warmer lightbulbs for the coziest ambience.

 

COMFORTING MOMENTS

Your home will offer a sense of comfort when you incorporate some favorite photos of loved ones, treasured hand-me-downs, antiques or flea-market finds, eye-catching conversation starters, art that inspires you, special mementos, or simply things that make you smile.

 

AN INVITING AROMA

What aroma feels ‘cozy’ to you? Set the tone for your home by filling it up with winter scents that inspire you.

 

TOUCHABLE TEXTURES

The coziest homes contain a variety different textures that delight the eye. Incorporate different touch-worthy materials through pillows, drapery, throw blankets, rugs, lamps, and furniture. The fabric possibilities are endless: velvet, woven, knit, embroidered, grain sack, faux fur, tweed, etc. You can also consider creating contrast with varying materials like metal, wood, glass, rattan, mirrored, painted, and more.

 

A PLACE TO CURL UP

Make yourself a special cozy place to relax. A reading chair will be extra cozy with some good books nearby in a basket, a lamp, a footstool, a side table to set a cup of tea, and a soft blanket you can curl up in.

 

A BIT OF WARMTH

Every home can benefit from warmth. No matter what your color scheme, you can add warmth through natural tones like wood, leather, jute, warm metals, etc.

 

SOMETHING LIVING

A room comes to life when an organic element is incorporated into the decor. Every room can benefit from having at least one plant, bouquet of flowers, or even a sprig of greenery like eucalyptus to remind us that spring is on its way.

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Five Reasons You Need Renters Insurance

It might be tempting as a renter to think that you don’t need an insurance policy if you’re renting an apartment or home, but not having one could cost you more than you think. A 2016 poll by the Insurance Information Institute found that only 41 percent of renters have their own renters insurance policy. Here are a few reasons why it’s important to have your own insurance policy as a renter.

  1. To cover your belongings.

In the event that a fire, break-in or other incident occurs that results in the damage or loss of your personal belongings, your landlord’s insurance policy will not pay for their replacement. Consider how much it could cost to replace your clothes, furniture, electronics and other household items. In order to make sure you have the coverage to replace your lost items, it’s critical to have your own renters insurance policy.

  1. To cover people who come to your residence.

If someone were to visit your home and become injured, you could be held liable for their injury and any related medical bills and costs. Having renters insurance helps protect you against this liability, and can help pay for legal expenses in addition to medical bills.

  1. To cover things that might be stolen outside of your home.

Your renters insurance may actually help cover you in incidents that happen away from your home. For example, if some of your personal belongings are stolen from your vehicle, it is unlikely that your auto insurance will cover the theft. However, it’s much more likely that your renters insurance will cover it.

  1. Your landlord might require it.

Agreeing to purchase a rental policy might be a requirement of your landlord. But even if it isn’t, having renter insurance may help your rental application get accepted and it helps show your landlord that you’re a responsible renter.

  1. It won’t break the bank.

Rental policies are usually pretty inexpensive. According to the National Association of Insurance Commissioners, the average rental insurance policy costs $190 per year. That amounts to less than $16 per month.

If you’re wondering whether or not you need a rental insurance policy, talk to your insurance representative or reach out to the professionals at Long & Foster Insurance. They can help guide you to the right policy for your needs so you get the right amount of coverage at the right price for your budget.

This blog was reposted with the permission of Long & Foster.

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Decorating Your Home in Ultra Violet: Pantone Color of The Year 2018

Each year, design pros eagerly await the Color of the Year announcement from the experts at Pantone®. No matter what the hue, it’s always sure to make a splash—and home goods are no exception. From appliances and décor to tile and paint, manufacturers will start rolling out options to match (and complement) the Pantone Color of the Year.

Pantone® Ultra Violet is the pick for 2018. This is no shrinking violet: It’s a deep blue-purple that isn’t for the shy. No wonder that the Pantone announcement referenced icons known for showmanship like David Bowie, Prince and Jimi Hendrix.

Embracing a color this bold into your home might seem like a giant leap, but it could make a big mood difference in your home during the long, grey days of Seattle winters. We have assembled a few ways to incorporate Ultra Violet into your home – some large and some small.

Make an Entrance

Painting your front door adds instant curb appeal. Red’s a classic hue and teal is an up-and-comer, but this entry’s regal purple is a real knockout.

Set the Scene

Funny thing about purple: Though we tend to think of it as a scene-stealer, cooler shades in the blue-gray range can work almost like neutrals. Here, purple walls marry an eclectic mix of midcentury-inspired décor.

Look Around

You’ve seen the accent wall. How about the accent ceiling? A rich grape hue adds an unexpected twist to this bedroom’s gray walls and white trim. It gets extra punch from the peek of red seen through the doorway.

Consider Texture and Sheen

One secret to pulling off a jewel tone like these royal purple walls: Choose a matte finish. Shine plus color can be hard to pull off, but a flatter finish is, well, flattering.

Add Statement Furniture

If you’re planning on using UltraViolet in a bedroom or living area, consider incorporating it in a piece of statement furniture. In this case, the piece will act as the focal point of the room, since it will undoubtedly capture plenty of attention. With that in mind, bed frames, ottomans and reading chairs are excellent options to fill this role.

Opt for Accessories

For those who are a bit nervous about jumping into a design full of intense shades, keep in mind that you can always incorporate Ultra Violet into your accessories. These are a great starting point because they generally include lower-cost items that can easily be replaced when your tastes change or if you decide you’re not a big fan of the look.

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Rate Recap

The Federal Reserve raised interest rates by 0.25% this week. It was their 3rd rate increase this year.

This has us thinking about mortgage rates.

Today, 30-year mortgage rates are 3.93%.

Let’s put this in context with a little history lesson. Mortgage rates were…

  • 3.90% 6 months ago
  • 4.13% 1 year ago
  • 3.54% 18 months ago
  • 3.32% 5 years ago
  • 5.96% 10 years ago
  • 7.15% 20 years ago

So where are rates headed? Given that the Federal Reserve is expected to raise their rate three to four more times in 2018, we expect mortgage rates to be higher one year from today.

The Mortgage Bankers Association predicts rates to be 4.8% in the 4th quarter of next year. Freddie Mac’s prediction is 4.4%. If these predictions are true, that would mean mortgage rates would be back to where there were 6 to 7 years ago.

The post Rate Recap appeared first on Best Real Estate Agents in Northern Colorado.

The Most Important Marketing Choice When Selling Your Home: The Price

There is often a temptation for sellers to overprice their home, but Windermere agent, John McKenna, shares why that is a big mistake. Get insight into the psychology of the home buyer and how to find a real estate agent that understands the science of pricing your home.

The post The Most Important Marketing Choice When Selling Your Home: The Price appeared first on Best Real Estate Agents in Northern Colorado.

The Most Important Marketing Choice When Selling Your Home: The Price

There is often a temptation for sellers to overprice their home, but Windermere agent, John McKenna, shares why that is a big mistake. Get insight into the psychology of the home buyer and how to find a real estate agent that understands the science of pricing your home.

The post The Most Important Marketing Choice When Selling Your Home: The Price appeared first on Best Real Estate Agents in Northern Colorado.

3 Design Ideas to Try in Your Bedroom

As far as design goes, bedrooms are pretty straightforward. Pick the typical necessary components — bed, nightstands, dresser — and you’ve got a bedroom. But too often homeowners stop there. The designers for these three bedrooms didn’t. They took a holistic approach, embraced built-ins and celebrated simple white walls to turn what could have been ordinary rooms into spaces worth bragging about.

Related: Discover Nighstands in Every Style

Bedroom Projects 1: Erik Biishoff, original photo on Houzz

1. Holistic Approach

Designer: Architect David Edrington

Location: Eugene, Oregon

Size: 14 by 28 feet (4.2 by 8.5 meters)

Year built: 2007

Homeowners’ request: A cozy bedroom with a great view and access to an outdoor room with a comfortable place to sit. This was part of a new home.

Plan of attack: Architect David Edrington used an architectural method detailed in a book titled A Pattern Language to help flesh out the deeper idea of how the homeowners wanted the bedroom to function and how it should be experienced in terms of intimacy, which direction the bed should face and the flow to other rooms. “The primary patterns were ‘intimacy gradient,’ ‘sleeping to the east,’ ‘sleeping alcove’ and ‘the flow through rooms,’” Edrington says.

Why the design works: Simplicity and smart planning. “My work is about the common principles that come from the human experience with spaces,” Edrington says. “The beauty of this bedroom comes not from any unique situation or odd problem that needed to be solved. The beauty comes from the simplicity of the decisions guided by A Pattern Language. The bed is in an alcove-like space that is just big enough for the bed, side tables and room to move around. It has windows on three sides, including one on the east for morning light and several on the west for the evening view of the Oregon Coast Range.

Bedroom Projects 2: Erik Biishoff, original photo on Houzz

Related: Measurements to Remember When Designing Your Dream Bedroom

“Opposite the bed is a sitting space just big enough for two people, with a fireplace and some book storage. The fireplace is raised, so it’s visible from the bed. The proportions of the room are about 2:1, which means it’s naturally two spaces. In between the two spaces there is a thick half wall made of cabinets and columns and beams, which is a continuation of a theme used throughout the house.

“The room has a gently vaulted ceiling that supports the cozy human scale. The walls and ceilings are made of integral colored plaster, which is also a continuation of the wall finishes used throughout the house. The cabinets, windows, trim and other wood detailing is done in Douglas fir, because that’s our local wood and it has a beautiful color and grain.”

Who uses it: A couple in their late 50s and early 60s, who work at home

The nitty-gritty: Cabinets: clear Douglas fir, The Cabinet Factory; walls: colored plaster; floors: bamboo, Imperial Floors

Team involved: Dorman Construction (general contractor); Erik Bishoff (photographer)

Bedroom Projects 3: Garcia Stromberg, original photo on Houzz

2. Embracing Built-Ins

Designer: Garcia Stromberg

Location: Stuart, Florida

Size: 14 by 20 feet (4.2 by 6 meters)

Homeowners’ request: A contemporary yet classic look with clean, straight lines

Designer secret: Strategically planned built-ins save space.

Plan of attack: Create as much livable space as possible, then focus on the view. “Then the built-ins brought the whole room together,” designer Garcia Stromberg says.

Why the design works: “The design of the linear lines worked flawlessly with the natural colors that were incorporated from the view of the outdoors,” Stromberg says.

What wasn’t working: “The biggest challenge was the narrow space and fitting a comfortable amount of furnishings and decorations in the space while still portraying a contemporary look,” Stromberg says.

Splurges and savings: The homeowners saved on furnishings but splurged on built-ins.

Team involved: Palm City Millwork Inc.

Bedroom Projects 4: Eric Charles, original photo on Houzz

3. Off-the-Shelf White Walls

Designer: Carley Montgomery

Location: Silver Lake neighborhood of Los Angeles

Size: 20 by 28 feet (6 by 8.5 meters), or 560 square feet (52 square meters)

Year built: 2015

Homeowner’s request: This home was built on spec for a future owner. Carley Montgomery acted as the architectural designer, interior designer, general contractor and developer. She envisioned modern clean lines and flexible living space for this house, which could be used as a guest house, an office or an artist’s studio.

Designer secret: Plain white walls. “Everyone gets all crazy trying to pick the perfect white,” Montgomery says. “While in many circumstances this is vital to match the furniture or warm a space with a hint of color, I find off-the-shelf white is the most universal, easy and safe color for modern homes.”

Plan of attack: Montgomery designed the home from the ground up, positioning it to capitalize on unobstructed views. Large floor-to-ceiling windows bring in light and views of downtown Los Angeles, which Montgomery wanted to highlight by keeping the interior design minimal. “It’s incredible at night,” she says. “The desk behind the sofa allows you to work and also enjoy the view.”

Why the design works: “This entire space is only 560 square feet and feels so much larger,” Montgomery says. “The ceilings are vaulted, creating a loft-like feel. But the flow of the space is what really works. We fit a full kitchen, full bath, dining area, living area, desk and bed in the space, and it doesn’t feel crowded. This has everything to do with the placement of the entry door, kitchen and bathroom inside the space. It is vital to place your furniture on your plan when in design so that you maintain flow through the finished space.”

Bedroom Projects 5: Eric Charles, original photo on Houzz

Related: Park a Bench at the Foot of the Bed

“Uh-oh” moment: “If this were a project being built for a homeowner, there would have been numerous ‘uh-oh’ moments. There always are,” Montgomery says. “Being that this is my business and I’m acting as owner representative, designer and contractor, decisions are quite simple. The only issue is trying to anticipate what the buyer of the property is going to want. It’s like working for a mystery client.”

Take-away: The value of well-planned and thought-out design

Team involved: Jordan Christian (artist); Corbin Poorboy of The Here Co. (styling); Eric Charles (photographer)

By Mitchell Parker, Houzz

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Emerging Exurban Neighborhoods

Where are the next housing hot spots? According to Windermere’s Chief Economist, Matthew Gardner, they are the communities that exist between urban neighborhoods and the suburbs.

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Greeley’s Major Milestone

The Greeley market is about to hit a major milestone.

We project that in the first quarter of 2018, the average price for a single family home in Greeley will surpass $300,000.

Today the average price sits at $289,870.

Just a year ago it was $262,828.

Guess when Greeley broke the $200,000 barrier? It was only about 3 years ago in June 2014.

So what ‘s going on?

Double-digit price appreciation is being fueled by a healthy Northern Colorado economy, low interest rates and local affordability. Greeley prices can look really attractive compared to Fort Collins.

We don’t see anything on the horizon that will significantly change the trajectory of the Greeley market. It is a fundamentally a very strong place to own real estate.

For a detailed look at what ‘s happening across Colorado, request our quarterly market report called “The Gardner Report“, written by Windermere Real Estate’s Chief Economist, Matthew Gardner. You can download it HERE.

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