Down Payment Assist for a Mortgage

When you secure a mortgage to purchase a house, your lender will likely ask that you set up 20% of their cost in cash as a deposit. This not only shifts some of the lender’s risk onto you, but also shows an attempt of”good faith” for your lender–if you can save up enough cash to cover the down payment, then you’re dependable enough to afford a mortgage. Unfortunately, millions of Americans may never realize their dream of being a homeowner since the sheer price of a deposit is much too prohibitive. For those who are ready to take on the responsibility of a mortgage, however, who just cannot afford the high cost of a 20 percent down payment, then there are other options.

Private Mortgage Insurance

Private mortgage insurance, or PMI, is the most common kind of down payment assistance for mortgages. With PMI, your lender agrees to give you more than the traditional 80 percent by insuring the remaining percentage for you. This comes at a premium, which typically equals three to six months of your mortgage payment up front. After you secure your mortgage, then you continue paying an extra PMI fee on top of your mortgage payment every month. Once you develop 20 percent equity in your house, your lender will probably drop your PMI.

Piggyback Loans

A”piggyback” loan is a secondary loan secured on top of your principal mortgage loan. Instead of financing the whole cost of your house with one mortgage, you can fasten two loans–one each to cover the deposit and your actual mortgage. The piggyback loan will probably come at a high interest rate (on average, 1.5 to 2.5 percentage points greater ) and last for an average of 10 years, versus the average 30 years to get a traditional mortgage. Nevertheless, your payments toward the piggyback loan are significantly less, as you’re paying back just between 5% and 20% of the cost.

FHA Loan

The Federal Housing Administration (FHA) provides government-insured financing for lower-income home buyers. You can procure an FHA loan via any FHA-approved creditor, and the FHA will guarantee your loan to reevaluate some of your lender’s risk at no expense to you. The FHA permits you to borrow up to 96.5% of their total cost of your house, reducing your down payment to as little as 3.5 percent. The property you select does have to satisfy the FHA’s eligibility criteria, however you can borrow up to an extra $35,000 through the FHA to put money into repairs if the house falls below the minimal requirements.

HUD Down Payment Assistance Program

The Department of Housing and Urban Development (HUD) provides additional deposit assistance for home buyers through the Down Payment Support through Secondary Financing Providers (DAP). DAP connects home buyers with secondary lenders, who provide financing to cover some or all of the expenses of your deposit. The concept resembles a piggyback loan, but the prices are lower and you can combine payments with your principal mortgage loan. However, you need to have an FHA-backed mortgage loan to qualify for DAP.

Down Payment Assistance Bond

A deposit assistance bond, also referred to as a DAP bond, is a government-issued grant which covers a part of a house buyer’s deposit. Many states now offer DAP bonds to non – and – middle-income families through their state housing authority. Grants are distributed according to economic need, however certain people –including military service members or law enforcement officers–may be given special consideration. DAP bond recipients can use just the money to cover the down payment on a single-family residence, but they don’t have to pay the bond back. Contact your state housing authority to find out whether your state provides a DAP bond and also to learn more about the app.

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Mortgage Foreclosure Advice

For it can be among the most stressful experiences of their lifetime. Their single biggest investment is in danger of being removed from them. If you face foreclosure, you ought to be aware that there are things you can do until it gets that far. In addition, after in foreclosure, there are things you can do along with people you can speak to so as to ensure your rights are protected during the process.

Talk with Your Bank

The U.S. Department of Housing and Urban Development (HUD) and the Federal Trade Commission recommend talking to your mortgage lender as soon as you fall behind on your housing payments. HUD urges opening all email and accepting all phone calls from your creditor, especially if your house ends up in foreclosure, because at that point important legal information will be coming your way. As most lenders are willing to assist you work out payment plans that will help you make the mortgage current, but, before foreclosure begins, opening up a dialogue with your creditor can be helpful.

Talk to a Counselor

HUD offers a database of foreclosure counselors that are licensed through a link on its website and trains foreclosure housing advisers nationally. These advisers are certified to provide you advice on a selection of housing problems, including foreclosure. Plus, there are counselors specifically certified to offer advice. The Home Ownership Preservation Society is one association with HUD certificate. HOPS cited a 2009 Urban Institute Study that found that are 60 percent more likely not to lose their property.

Hire a Lawyer

Depending foreclosure is a judicial or nonjudicial process. In California, the majority of foreclosure cases are nonjudicial. Either foreclosure is a process and it can be hard to comprehend. Hiring an attorney can be a valuable asset during the foreclosure process. Your attorney will help make sure your rights are respected and that your creditor follows the principles during the foreclosure process. Check to find out if your local, county or state government offers legal solutions for homeowners in misery.

Determine Your Choices

You might determine that you have more choices than just letting your house, by talking to an attorney or to a housing counselor. Read your whole financing agreement to find out what your creditor can do if you do not make payments. Talk with your lender about repayment choices like forbearance — as you catch up in which payments have been suspended for a time and loan restructuring. See if purchasing the house is an alternative. You could also surrender the house, transferring the deed instead of foreclosure. Lenders will accept short sales, or revenue that don’t pay the whole quantity off. If your foreclosure is due to unpaid bills, job loss or other problems bankruptcy might be an alternative.

Avoid Scams

The FTC warns that there are companies out there willing to make the most of homeowners facing foreclosure. Anyone calling himself a foreclosure prevention specialist and calling you ought to be thoroughly checked out, especially before you provide him any details. He could use that personal information to steal your identity. A clear warning sign is if he asks for money for his or her services. The two HUD and FTC recommend. Another scam includes selling your home to someone who offers to let you rent it, and then buy it back, and then evicts you. Also, some scammers will change what you think is loan paperwork along with the title of your home, tricking you.

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How Often Can a Prime Rate Change?

The prime rate is an integral interest rate that’s published daily from the pages of the”Wall Street Journal,” an authoritative resource for financial news, stock exchange prices and financial statistics. Banks, credit-card companies and other lending institutions use the prime rate as a benchmark for the interest rates they charge clients. As a result, the prime rate is among the most important indicators of the cost of borrowed money.

History

The prime rate represents a survey of prices charged by lending institutions to their credit-worthy clients. The speed was initially published in 1947, as it stood at 1.75 percent. Since that time, the accumulative average prime rate has attained 9.842 percent. The maximum value was 21.5 percent, attained Dec. 19, 1980.

Considerations

The”Wall Street Journal” conducts periodic polls of 30 large banks to achieve the”consensus” prime rate. In general, the prime rate changes with all the federal funds rate ascertained by encounters of the Federal Open Market Committee of the Federal Reserve Board. The fed funds rate is the rate charged by the Federal Reserve to banks for short term borrowings, and it’s corrected as the market contracts or expands.

Frequency

FOMC meetings take place every six weeks. If the FOMC decides on a rate increase, the gain in the prime rate published by the”Wall Street Journal” will follow, as the prime rate normally monitors the fed funds rate at 3 percentage points over that speed. This is a guideline that has been used for some time by important U.S. banks.

Significance

In August 2010, the prime rate stood at 3.25 per cent, a relatively low amount in its history. The fee is used to determine interest charged on credit cards, for home-equity loans and lines of credit, unsecured loans, car loans and a few adjustable-rate mortgages. Lenders charge a”margin” over and over the prime rate to arrive at the prices they charge customers.

Advantages/Disadvantages

An increasing prime rate makes it more expensive to borrow money and thus more difficult to qualify for a consumer loan or credit card. It also tends to slow company for companies which need to extend credit on a regular basis to their clients. Nevertheless, the prime rate also functions as a control on the growth of consumer debt and a shield against”bubbles,” by which paying goes out of control due to easy borrowing and positive market conditions. The FOMC has an interest in keeping interest rates stable and low so as to encourage companies to invest and consumers to spend, but in addition it increases interest rates once the economy begins growing at a fast pace.

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Guest Picks: Entertaining With Lamp Finials

Lighting is a designer’s best friend. It may make a room feel cozy, romantic or energetic with the twist of a switch. However, function is only part of their allure of proper lighting, as a fantastic lamp should also be a beautiful one. Recently, I have been adding classic finials in addition to all my lamps. They are a perfect finishing touch and come in so many unique shapes and substances: think Lucite, brass, natural and acrylic stone. Hilary Thomas’ colorful collection may be my new favorite, but there are plenty to pick from in this ideabook. — Shannon from I Love Your Own Crazy and Poplin & Queen

Hillary Thomas

Claudia Finial – $40

This Hilary Thomas finial provides a pop.

High Street Market

Brass Asian-Style Lamp Finial – $15

Each time I see this one in a home, I grin. Someone went the extra mile simply to add it.

Furbish Studio

Double Happiness Finial – $12

I would add this little guy to some navy ceramic lamp to get a classic touch.

High Street Market

Brass Pineapple Lamp Finial – $14

Interesting fact: Pineapples were placed on Colonial fenceposts when sailors would come home from sea for a indication of welcome.

purehome

Hillary Thomas Designs Lucky Madame Chiang Enchant Lamp Finial – $65

There is a set of brass lamps on the market just begging to get a pretty topper like this one.

LampsUSA

1-Inch Cube Finial, Brushed Nickel – $27.99

I would use this one.

Lamps Plus

Greek Key Brushed Nickel Finial – $11.99

A hint of geometric lines may immediately create a modern feel.

High Street Market

Brass Anchor Lamp Finial – $14

Anything nautical motivated always has a spot in my home.

Hillary Thomas

Dorothy Finial – $75

Envision this malachite finial in the conclusion of a brass traverse rod.

Lamps Plus

Solid Brass Polished Urn Lamp Shade Finial – $12.99

Following is a classic urn shape for the traditionalists.

The Home Depot

Cal Lighting Brown Deer Antler Resin Lamp Finial – $11

An antler has its place. I’d love to see it in a masculine office.

Amazon

B&P Lamp Black Ceramic Finial – $5.44

Black is a bold and edgy option, yet it’s still amazingly refined.

Hillary Thomas

Kiss the Sky Finial – $55

Would you have too much turquoise? I would really like to bring them in a room with coral throw cushions.

Pier 1 Imports

Tortoise Glass Lamp Finial – $16

Tortoiseshell — I can’t get enough of the stuff.

Lamps Plus

Solid Brass Ideogram Table Lamp Finial

This brass finial would appear incredible with a glass lamp.

Hillary Thomas

Blue Velvet Finial – $55

I am not one to have random vivid rocks laying around, yet this finial is a great addition.

Hillary Thomas

Jolly Finial – $55

Even people who can’t commit to bold colors can appreciate a small pop of crimson.

The Home Depot

Mario Industries Asian Design Brass Lamp Finial – $6.97

Hello, Home Depot locate!

Horse & Hound Gallery

Labrador Retriever Lamp Finial, Brass – $18

I have no idea where this would match (maybe a boys’ room?) , but a laboratory finial is cute.

Colors of Light

Solid Polished Brass Laurel Finial – $11

This one includes a colonial vibe to it that makes it perfect for a research.

Next: How to Get Your Own Window Treatment Right

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Guest Groups: Get Your Game On With Fun Grilling Goods

I will be the first to acknowledge that I am no sports enthusiast. Tailgating could be the only method to make me onboard, especially if there are bacon-wrapped hot dogs included. It might still be somewhat premature to be thinking about outdoor entertaining this early in the year, but that hasn’t stopped me from window buying some must-have grilling products spiced with personality. Turn up that fire; it’s time to party! — Kristin in The Cuisinerd

Amazon

Rosle Dual-Functioning Mini Grill and Oven Thermometers – $37

I’m a firm believer in possessing several meat thermometers. This may or may not have anything to do with the fact that I’m constantly dropping them — and then finding them again. These are colorful, fun and just the right price.

Amazon

Fuego Element 21-Inch Dual-Zone Gas Grill, White – $715.07

If there ever was a modern barbecue more perfect in this way, please show me in once. This really is a showstopper. I just imagine a smoke machine and confetti cannons go off once you roll this beauty onto the scene.

Bauer Pottery Company

Grill Plate – $26

I know a few people who do not enjoy serving dishes mingling with their main ones. I might turn into one of those people if it means I get to eat off of this stunner.

Retro Metal Chairs

Retro Picnic Cooler, Yellow – $60

Retro-inspired coolers might go on the very top of the list of items which I do not need but wish to collect. This guy is petite and will function as the center of attention at any barbecue.

Gent Supply Co..

Freaker Bottle Koozies – $8

Who doesn’t love a beverage koozie? Who doesn’t love one that will match an whole bottle of wine over? These stylish socks will be the perfect way to add some pop to the celebration while ensuring no one’s stealing your refreshment.

Stanley & Sons

Standard Apron With Cloth Straps – $118

It’s true that you do not mind if the “Kiss the Cook” apron gets splattered with your award-winning barbecue sauce, but it’s time to look dapper whilst flipping those burgers.

Terrain

Fishtail Barbecue Basket – $18

I have been on the hunt for a suitable fish grilling basket. None possesses the personality of this fine chap. Is it strange that I might only need to hang him on the wall?

Amazon

Exclusive Pushette Skewers – $17.97

I enjoy grilling skewers. Meat, veggies, tofu — you name it, I’ll put it onto a stick and consume it. This set is fine, and I can see them moonlighting as marshmallow roasters too.

Gadgets and Gear

Condiment Gun – $14.95

I’m a firm believer that everyone should play their meals. While this looks like a wreck waiting to happen, you know that you’ll be laughing the entire way through it.

Adverts

Memphis Retro 2-Burner Barbecue – EUR 265

Stop, drop and roll up this stunning item in my lawn instantly!

Envelop

Oven Glove, Main Chaude – EUR 15.99

The artistry of the oven mitt is extremely underrated. This glove is sexy.

Waltz Grill

These beautiful grills will transform your lawn into a public park which only got color-bombed with fun occasions. I can not even handle the cute factor here.

Retro Metal Chairs

Parklane Double Glider, Tangerine – $221.99

Does this not scream iced tea and a buddy? This season will be about more outside entertaining.

Hot-Pot Grill – $124

What is it about me adoring dual-purpose products? Grow herbs daily, and grill by night for this miracle. It appears absurd and so perfect for somebody with limited outdoor area.

The Webstaurant Store

8-Inch Round Plastic Fast Food Basket, Red – $4.57

Plastic baskets are the most easy way to transform your barbecue into a Texas-worthy celebration. This reminds me of my very first trip to The Salt Lick, and that I need nothing more than to serve everything out of these at my next gathering.

Bed Bath & Beyond

Picnic Time 18-Piece Barbecue Tool Set – $32.99

This grill tool kit is hardy. He is tool kits’ Stanley Thermos. He’s one hot babe I need by my side each and every time I light up that barbecue.

Joanne Hudson Basics

MYdrap Mustard Cotton Napkin Rolls – $26

All of us waste a lot while entertaining. Paper plates and napkins only make so much more sense for a barbecue, but these reusable cotton napkins (on a roll) might only be paying a visit at my second fiesta.

Scout Regalia

SR White Oak Table Set – $3,100

This beautiful creature was in my wish list for a while. Modern, simple and designed to order — God bless you, table! God bless your own perfection!

Amazon

Imm Living Anchors Aweigh Bottle Opener – $18.22

Bottle openers are a dime a dozen. But maybe not this one. I actually swooned when I saw it, and now I’m trying to figure out every possible motive to talk myself out of buying it.

Pronto

Vintage Accessories 64-Inch Camo Cart Grill Cover – $68

Because you want to camouflage your barbecue when it goes to sleep soundly through the night, right?

Next: 8 Ingredients of the Fantastic Football Party Room

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Guest Groups: Holiday Baking With Kids

It is the season for holiday! And it’s even more fun once the children are involved. Here are a few of my favorite picks for baking with the children this Christmastime. — Natalie from Perry’s Plate

The Land of Nod

Mix It Up Mixer – $49

If your child isn’t quite prepared to run your big stand mixer, have him or her job right alongside you with this cute little wooden number.

Pottery Barn Kids

Cookie Party Kit – $39

If your household is young and you’re starting new customs, try doing a cookie celebration with friends or cousins. I particularly love the striped blouse and cute gift tags that come with this set.

Cost Plus World Market

Monaco Pre-Assembled Gingerbread House Kit – $19.99

If you’re not a from-scratch type of individual but still want to get your children involved in holiday baking, then get one of these pre-assembled gingerbread house kits for them to decorate. My children love them, and it may become a Christmas tradition for us.

Pottery Barn Kids

The Elf on the Shelf Bowl Place – $12

If your children love the “elf on the shelf” tradition, then they would adore these adorable bowls.

Pottery Barn Kids

Santa Ceramic Cookie Plate & Mug Set – $39

Do not overlook a plate for Santa.

The Land of Nod

Eenie, Meenie, Miney, Mini Cooking Set – $24.95

Get kids began early at the kitchen. I adore this tiny set of baking and cooking tools.

Williams-Sonoma

Holiday Cupcake Stencils – $12.95

My little ones would love decorating cupcakes or muffins with these fantastic stencils.

Williams-Sonoma

Holiday Two-Toned Pancake Molds – $19.95

These have to be the coolest pancake molds ever; they are holiday themed and you’ll be able to use two different tones of batter. They would be good for Christmas breakfast.

Cost Plus World Market

Holiday Pancake Pan – $44.50

Here’s another choice for Christmas pancakes. I really like the shapes.

Pottery Barn Kids

Christmas Bib – $19

If your munchkin remains itty bitty, this personalized Christmas bib will keep the holiday munchies off his clothes.

Pottery Barn Kids

Santa Apron – $24

Each good baker demands a good apron. It is never too early to start wearing one.

The Land of Nod

Gingerbread Goodie – $16

Send the little ones to sleep happy baking memories for this adorable gingerbread girl pillow. A gingerbread boy can be available.

The Land of Nod

Pull-Apart Poultry – $19.95

I tell you, breaking a poultry could have gone much more smoothly if I had had one of these plush pull-apart cows to play as a kid.

Cost Plus World Market

Holiday Tag Cookie Mold Pan – $12.99

This could be my favourite product yet. Insert a holiday tag-shaped cookie to the goodie plate you give your buddies. The children would adore writing out the household names.

Cost Plus World Market

Gingerbread Ninja Cookie Kit – $5.99

No, wait. This really is my favorite. All these have much more personality than the normal gingerbread cookies!

Cost Plus World Market

Crispy Rice Snowman Kit – $9.99

If gingerbread isn’t your thing, these crispy rice snowmen are darling. I could eat my weight in crispy rice squares.

ROMP

Get Cookin’ Establish – $88

If you’re looking for something a bit more posh, try this Get Cookin’ set that comes with a handmade rolling pin, a vintage French linen apron and a recipe box with lots of kid-friendly recipes.

Cosmetic Matters

Doodle Kids’ Apron – $24

If your children are additional artistic, they would really like to decorate their very own aprons. Then you can wash them out and let them decorate them.

Pottery Barn Kids

It is never too early to teach children about gratitude.

Crafty Capers

Kids’ Cooking Starter Set, Blue – GBP 16.85

Here’s another kids’ cooking starter set. I really like the adorable little faces onto the spoon and bowl.

Next: 10 Ways to Get Your Kitchen Ready for the Holidays

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How to Care for Cypress Wood Fences

In addition to making an attractive addition to your home’s landscape, a cypress fence is also a wise option. The timber naturally creates a preservative called cypressene, making its heartwood resistant to corrosion, decay and insects. After a few years of exposure to the components, your cypress fencing can turn an unattractive shade of dark gray or become covered with mould and moss. No matter the circumstance, properly caring for your cypress fence will reestablish its appearance and protect it from salt spray, rain and whatever else Mother Nature throws at it.

Attach a 25-degree tip to a power washer wand before hooking up the unit to your garden hose. Standing at least 18 inches away from the fence, move the energy washer wand up the duration of each plank to get rid of any dirt or debris. Avoid lingering on almost any place to reduce harm or gouging.

Wear rubber gloves to make a mixture of 1 cup household bleach and 1 gallon water in a plastic bucket. Dip a plastic scrub brush into the mix and use it to kill any mold or mould on the fence. Rinse the bleach solution away completely with a garden hose. Permit the fence to dry thoroughly before continuing.

Look carefully at the cypress fencing and fix any loose planks with stainless steel screws or cracks using wood adhesive. Permit the glue to dry for at least 24 hours prior to continuing.

Employ a water-repellent sealant to your cypress fence using a paintbrush or roller. Working in 3-foot segments, apply the product using back and forth motions. Shield the cypress even further using a product which also contains a moisture inhibitor and mildewcide.

Reapply the water-repellent sealant every one or two decades.

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How to Refinish Wood Spindles

Turned spindles are typical on antique chairs, cabinets, bed frames and staircases, and also an effective method of stripping and sanding them is required knowledge for any refinisher wanting to produce quality work. Conventional palm sanders do not reach into crevices, and if you overwork one, you’ll wind up changing the form of the attribute. Hand sanding is a less aggressive approach, but it is time consuming and does not always work, particularly when you’re attempting to get rid of a dark stain. A more prudent strategy uses chemicals to remove as much stain and finish as possible and keeps sanding to a minimum.

Apply paint stripper to the spindle, either having an old paintbrush or by spraying it from an aerosol can. Spraying the stripper will ensure it gets into all the crevices.

Let the stripper work for 10 to 20 minutes, and before it dries out, scrape it off with a wire brush. Work the brush into all the crevices, but do not push too hard or you’ll scrape the wood.

Apply another coat of stripper to crevices and features that nevertheless seem dim. Let it work, then rub it off with fine steel wool. Do not forget to wear rubber gloves as you do this to protect your palms.

Soak the steel wool into lacquer thinner and use it to completely moisturize the spindle down. It’ll remove flecks of complete that remain on the outside, and may get rid of some stain. If you used a solvent-based stripper, the lacquer thinner will neutralize it, but if you used a water-based stripper, wash off the spindle with water afterwards massaging with lacquer thinner.

Bleach out the stain if you plan to use a lighter stain than the one already on the timber, or you want to leave the timber unstained. There different types of bleach, and also the top one to use depends on the kind of stain you’re trying to remove.

Mix a saturated solution of sterile calcium hypochlorite, available from a swimming pool supplier, and water to remove dyed stains. Brush the remedy on, let it work overnight and wash it off with water. The active ingredient in this mix is chlorine, so wear gloves and a respirator when working with it.

Use oxalic acid to lighten any spots which are the result of natural wood discoloration, which are common on antiques. Mix the oxalic acid crystals with water in accordance with the instructions on the container, brush the solution on and let it work overnight before washing it off with water.

Sand deep crevices carefully with a rotary tool and a flapwheel or abrasive brush accessory. Work the tool into the crevice, but use mild pressure so that you don’t alter the form of the spindle.

Sand the entire spindle by hand with 150-grit sandpaper when you’re happy with its appearance and it’s completely dried. If you’re staining, wipe the stain on with a rag.

Spray sanding sealer on the spindle either having an air rifle or an aerosol can. Let it dry, then sand lightly with 220-grit sandpaper. Apply a few clear end coats by spraying, sanding every coating lightly with 220 or finer paper after it dries and before implementing the next. Do not sand the last coat.

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What Everyday Items Can Be Used to Clean Wood Kitchen Cabinets?

Wood kitchen cabinets are prone to all sorts of dirt, dirt and gunk simply out of being in the kitchen. Steam residue greasy residue on overhead cabinets, and when your 6-year-old insists on helping with the recipe, then your handheld mixer sprays cake batter everywhere. Harsh cleaners may harm the finish on wood cabinets, along with the compounds used to make the cleaners might be toxic too. As opposed to resorting to potentially toxic cleaning materials, whip up your own all-natural cleaning solutions. You most likely already have the items you require, like vinegar or baking soda, available in your kitchen.

Basic Cleaner

Vinegar in a squirt bottle serves as spray cleaner for wood kitchen cabinets. Spray the cabinets, then wash them down with a slightly damp sponge after a minute or 2. Vinegar helps cut grease and greasy film that builds up near cooking areas; it also removes odors. If the cabinets do not feel grimy or greasy, then the vinegar in the spray bottle can be diluted with an equal amount of water. A natural dish soap or oil soap produced out of plant-based materials may be used instead of vinegar; combine a few squirts of this soap to a bowl of water, wipe the cabinets down, then wash again with a new damp sponge. Add a few drops of vinegar into the soapy water if the cabinets feel oily. Dry cabinets with a soft cloth.

Stubborn Spots

Remove built-up dirt or food debris by mixing salt and vinegar into a paste. Scrub the issue regions with a toothbrush or microfiber cloth; prevent harsh abrasives like steel wool, since these can scratch the finish or the wood itself. Hold a cloth or sponge dipped in vinegar over a stubborn spot if it still remains after scrubbingthen scrub it again with all the salt-and-vinegar paste. Baking soda onto a damp sponge might be used as well.

Hardened Gooey Foods

Eliminate dried gooey materials like maple syrup, honey or chocolate with a few ice cubes placed in a refrigerated sandwich tote. Hold the bag of ice within the issue spot for several minutes or till the material hardens. Scrape the material away with the advantage of a plastic knife, bowl of a plastic spoon, or a sheet of card stock. Wipe away any remaining residue by spraying it with vinegar, or mixing a paste of salt and vinegar, then scrubbing the spot gently with a toothbrush.

Clean and Protect

Keep wood cabinets looking their best by mixing a vegetable oil like olive oil and vinegar; use equivalent portions if the cabinets are grimy, or use three components oil, 1 part vinegar when the cabinets have lately been cleaned. Apply a thin layer of this mix over the cabinets, massaging it in with a soft, dye-free cloth. Employing a dye-free cloth ensures the cloth color won’t bleed onto the cabinets.

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How Do I Care for an External Macrame Plant Hanger?

Macrame plant hangers add some classic charm and appeal to any outdoor area. Produced from braided cords in various materials, colors and fashions, the macrame hangers offer durability and strength for your potted plants, and their layouts can match virtually any decor. They don’t need care aside from occasional cleaning — exposure to dust, soil, water and other materials can dull the substance’s appearance. It’s possible to clean macrame plant holders without causing any harm, but don’t use the washing machine or harsh chemicals, which may fade and weaken the substance.

Remove the pot.

Fill a bucket or sink with water that is cool. Add about 1 teaspoon of liquid laundry detergent each 1/2 gallon of water. Don’t use in case your macrame is colored, laundry detergent which contains bleach.

Place the macrame plant holder from the water and agitate it gently with your hands to remove as much dust and dirt as possible. If it’s stained, then let it soak for about 20 or 30 minutes before agitating again.

Drain the water out of bucket or the sink and wash it.

Agitate and swish the macrame plant holder to wash out any detergent residue.

Drain the water out of bucket or the sink. Squeeze out any excess water out of the plant holder. Hang it up in a well-ventilated region to air dry before rehanging the plant.

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