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A Quick Guide to the Different Types of Backyard Buildings

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Backyard Buildings

Having a sprawling backyard laid out behind your home is definitely something to be proud of. Even better if you have a firepit or a hammock for relaxing and unwinding. However, having an expansive backyard is one thing, but making the most of it is another.

If you feel your backyard looks a little empty, maybe it’s time you construct a backyard building. There are plenty of backyard buildings you could put up to give your backyard that oomph. These structures can serve as extra storage, aesthetic highlights, or living spaces for your guest.

Today’s post is a quick backyard building guide on the various structures you should consider for your backyard.

Trellises

Trellises are one of the simplest structures you could build in your backyard. Although simple, they add a heap of charm to your backyard and a dash of elegance. 

Trellises serve a purely aesthetic purpose and support shrubs and vine plants. You can build a trellis to accent your backyard and give it some extra flare. Building one is a cakewalk with a little help from family and friends.

Gazebos

Gazebos are one of the most common backyard buildings in American homes. These standalone structures are permanent and require considerable skill and effort to put up. There are tons of gazebo shapes and designs you can opt for.

Gazebos consist of a roof to shield from the sun and elements. Wooden or concrete columns support the roof. Some gazebos may have a cupola or built-in benches and porch swings for added functionality.

Gazebos help you take in the outside beauty while relaxing in your backyard. The roof helps shield you from the scorching sun or rain. It’s a nice place to read your favorite books or just relax and meditate.

Pergola

Pergolas consist of an open roof supported by posts and columns for support with open sides. Just like trellises, pergolas are great for vine plants and trees. However, unlike trellises, pergolas don’t consist of latticework but instead have open sides.

Sometimes pergolas connect with other backyard structures like patios. They’re great for aesthetic effect and are also a pleasant place to relax and pass the time. 

Pergolas are pretty similar to arbors but tend to be a bit larger. Pergolas also offer slightly more privacy than arbors. 

Ramadas

Ramadas are also known as pavilions and are free-standing structures that use posts and columns for support. They are like pergolas but have closed roofs instead of open roofs. 

This makes it preferable to pergolas because the roof shields occupants from the elements. Most homeowners build them next to outdoor kitchens or fireplaces. 

Greenhouses

Having a greenhouse is a must for any serious gardener. The backyard offers an ideal space for a greenhouse to facilitate some serious gardening.

A greenhouse is an enclosed structure complete with a roof, walls, and plenty of windows. Greenhouses provide a microclimate and the optimum conditions for plant growth so homeowners can grow flowers, vegetables, and fruits.

With greenhouses, homeowners can have a thriving garden all year round regardless of the season. Greenhouses ensure plants grow under the best conditions for seamless growth and proliferation.

Patio Covers

A patio is a common sight in most people’s backyards. They’re simple to build yet have incredible functionality. Patios extend from another structure(your home) and stretch out into the backyard.

Patios are highly customizable, so you need to find a design that fits your style and taste. You can build your patio cover with a lattice and train climbing plants to grow over the latticework. Adding a solid roof will help shield you from the searing sun or rain when it pours.

Pool Houses

If you’re fortunate enough to have a pool in your backyard, don’t forget about constructing a pool house. A pool house is a standalone structure for storing pool supplies and pool-related items. You can also use a pool house to store random stuff, like gardening equipment.

Pool houses don’t have to be tiny buildings for storing pool supplies and equipment. You can build a pool house with bedrooms, bathrooms, and even a kitchen. The pool house could serve as a guest house or even a rental property for some extra income.

Mother-in-Law Suites

A mother-in-law suite or mother-in-law apartment is a separate building attached to the main house. Some people may refer to it as the granny suite or simple thein-law suite. The term was coined because the structure was a space where extended family members could move in but still give the main family some privacy and space.

It still serves the same purpose, considering 24% of individuals between 55 and 64 choose to live with their children. Apart from housing families, mother-in-law suites can be your guest house for visiting guests. It can also serve as extra storage or rental space to earn you some extra cash.

These extensions to your main home are relatively easier to build, but you might need some guidance. There are tons of resources online for building a backyard mother in law suite. Use them as guiding lights for building your suites.

Hobby Houses

Hobby houses are standalone buildings that act as storage space for your hobby and garden equipment. They’re great for people with outdoor hobbies like hiking, snowboarding, and the likes. You can also store your lawnmower, kids’ bikes, and camping gear in there.

If you’re storing bulky items, consider adding double doors to make it easier to store and retrieve items in there. Also, don’t skimp out on the design if you want it to be an aesthetic highlight in your backyard.

Make a Bold Statement With the Right Backyard Buildings

Regardless of the backyard building types, always consider what it says about you and your family. You want a backyard structure that helps define who you are and matches your lifestyle.

With backyard buildings, you can make a bold statement with a cool backyard shelter or keep things simple with a comfortable patio cover. The options are limitless, so take time to explore every option before finding something that suits your tastes.

For more informative content, check out the other posts on the site.

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Real Estate

The Best Scent Diffusers for Commercial Spaces

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Commercial Spaces

Using scent diffusers in commercial spaces can drastically improve the environment. It can boost productivity, improve people’s mood in the workplace, and promote a sense of calm.

Who wouldn’t want to reduce stress in the workplace and across commercial buildings?

If you’re ready to put a scent diffuser into your office space or commercial building, read on to learn about some of the best scent diffusers to use!

AromaTech Diffusers

The AromaTech diffusers use cold air technology to make sure that your space is the best it can be.

If this sounds like one for you, read more about it here.

Pura Device

With the Pura device, you can control the amount of scent that it puts out in your space.

The Pura device can use 15 different scents and fragrances, all of which are toxin-free and that you don’t have to worry about having in the air you breathe!

VicTsing Essential Oil Diffuser

This is the perfect oil diffuser for a smaller space. Its sleek design and compact design allow it to blend into the rest of the office decor while still doing its job of calming and adding beautiful scents into the air.

There is a timer for the oil diffuser, or you can keep it on the entire time.

Diptyque Electric Diffuser

Diptyque is known for its many intoxicating candles, but don’t overlook its electric diffuser as an option for your commercial building.

There are seven scents to choose from to put in this diffuser, and each one runs for about an hour. Of course, you can put it back on after it shuts off.

Vitruvi Move Diffuser

This cordless diffuser is perfect to move around wherever you want to place it in the office. In the morning, you can have it in the workroom, and in the afternoon, you can put it in the lounge area of your office.

You can choose between oil blends of lavender, amirs, and eucalyptus. You can also choose a rose mixture scent if you’re feeling a flowery scent.

Tokoname Stone Diffuser

If you are looking for a classier looking diffuser, the Tokoname Stone Diffuser is the perfect solution. All you have to do is place a few drops of essential oil onto the stone diffuser and take a deep breath in.

You’ll feel relaxed in seconds!

Hyascent Hip to That Scent Diffuser

If you are looking for an easy-to-use diffuser, look no further than the Hyascent Hip to That diffuser! It’s an awesome option for someone looking for ease of use while still getting all of the benefits from an oil diffuser.

To make the scent diffuse, all you have to do is turn over the hourglass to have the oil slowly drip through the center.

Scent Diffusers for Commercial Spaces

There are so many options for scent diffusers for your commercial spaces! These calming scents will give so many benefits to everyone in the office, and you’ll notice an improvement in productivity and mood once you place one in the office. 

Did you enjoy reading about these options? Check out some other fun reads on the blog!

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Real Estate

Organizing Office Space to Get the Most Out of Employees

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Organizing Office Space

Picture this: an employee’s desk is covered in papers and their desk is in a cramped and messy area. Do you see this person getting much done? 

The reality is that a disorganized environment clutters people’s minds and makes it difficult for them to accomplish necessary tasks.

A messy office space leads to distraction. And distraction leads to employees getting less done.

If productivity seems to be an issue in your office, a lack of organization could be the root cause. So keep reading to learn the best methods for organizing office space so your employees can easily focus on their work.

Do an Office Overhaul

The first step to an organized office is getting rid of anything you don’t need. Taking a day to go through old files and remove any extra furniture, broken items, and other things you don’t need is crucial.

Once everything that doesn’t need to be in the office is gone, you can begin the organizing process.

Consider the Layout

Next, consider if organizing your office for employees might require a change to the layout. If people are too close together or too far apart, it can cause issues.

Most modern office spaces are open floor plans, which can lead to issues because there’s essentially no way to keep things quiet. If you want to allow collaboration while still promoting privacy when needed, consider using talk boxes to avoid the “noisy elephant in the room” effect.

People can feel disorganized if too many people talk at once or the office layout doesn’t make sense, so this is a great solution.

Go Paperless

Organizing an office space is especially difficult when everything is done using paper. Paper builds up quickly and requires excellent storage solutions to keep everything organized over time.

Everyone has to work together for papers to end up in the right spot every time. More often than not, loose papers lead to issues down the line. 

Consider switching to all-digital filing to save time from printing and filing, make it easier to find things, and save money.

Establish Routines

It’s much easier to keep things clean and organized when you’re following a routine. If your employees have routines to follow, it’ll help them stay on track throughout the day and keep things from becoming disorganized again.

One idea for a routine includes taking trash from their desk at the end of the day. You might also limit personal items like photographs in their space.

Or you can hire a cleaning company to spruce up the place on a weekly basis.

Organizing Office Space Leads to Success

Disorganization robs people of their focus and leads to lower production levels. The best way to fight this is by organizing office space to fit your company’s needs.

Try following the simple tips found here to see the impact excellent organization has on a workplace.

If you liked the practical advice found here and want to read more articles to help you run a business smoothly, please check out some other options on our site.

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Real Estate

How To Calculate a Mortgage Payment Estimate

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Mortgage Payment

In 2021, the real estate market was dominated by people paying cash for their new properties. In fact, nearly one-third of all homes purchased last year were secured through cash-only transactions. 

What’s catalyzing the move? Experts point toward the uptick in at-home, remote office positions that has allowed homebuyers to work from anywhere. As a result of this switch, they’re selling their more expensive homes in cities like New York and San Francisco and paying cash for a less-expensive home elsewhere. 

Unless you plan to join these ranks, you can expect a mortgage payment when you buy your next house.

What is a mortgage, why do you have one, and how can you estimate what you’ll need to pay? Read on for the answers you need to know.

What Is a Mortgage?

A mortgage is a type of personal loan used to purchase or maintain one of the following properties:

  • Home
  • Land
  • Another type of real estate 

Banks and credit unions distribute mortgages to qualified individuals. Before you can enjoy access to your money, you will need to pass a verification process to prove that you’re financially stable. Much of this process revolves around your credit score. 

A majority of credit scores hover between 300 to 850. The higher your score, the more financially responsible you will appear to a bank. A few of the factors that can affect your credit score include:

  • Your bill-paying history
  • Your current debt load
  • The number of loan accounts you have open
  • How long those accounts have been open
  • Any new applications for credit

Once your bank reviews your application and credit score, they will issue you the mortgage. When you sign the loan agreement, you will confirm your intent to pay the lender back over a set period of time. You will do so by paying a set amount each month for the duration of your loan. 

Principal and Interest

Mortgage payments include two important numbers that you need to know: principal and interest. Principal refers to the amount of money that you originally agreed to pay back. Interest is an extra amount added to the principal each month, as a fee for borrowing the money.

Different lending institutions will have their own interest rates, and there isn’t a one-size-fits-all percentage to know. This is how some banks compete with one another. If they can offer competitive, low-interest financing then they can appeal to a greater number of interested buyers. 

However, be wary about banks that offer ultra-low interest rates. They might have very short repayment terms or other stipulations that you need to understand before moving forward. 

Total Monthly Payment

When you review your mortgage bill each month, you may be confused to find that your principal and interest payment doesn’t precisely line up with the total monthly payment amount. 

In most cases, the total monthly payment will be the higher of the two. This is because this number includes a few other expenses, such as:

  • Homeowner’s insurance 
  • Taxes held in escrow 
  • Mortgage insurance (if applicable)

Note that if you live in a condo or a co-op, you may have additional fees included in your total monthly payment. These are usually set by your local homeowner’s association or HOA. The HOA is responsible for maintaining the grounds that a shared property sits on, enforcing community regulations, and managing the day-to-day activity of the neighborhood. 

Analyzing Your Mortgage Payment

When you see your mortgage payment each month, you might focus on the total monthly payment amount. However, it’s important to understand this number relative to your local region. 

In some areas, your mortgage will be high simply because the homes in your region are desirable. There may be a great-scoring school district, access to local shops and restaurants, and enjoyable recreation areas nearby.

Before you assume that yours is extra-high, you’ll need to know all of the factors that go into it. Next, let’s take a look at how your lender arrives at that number, and what those inputs mean.

Loan Amount

First, you’ll see the loan amount, also called the principal. This is the price you paid to purchase your home, minus the amount of the down payment.

A down payment is what you pay at the time of purchasing your home. Most lenders require it to be at least 20% of the home’s total sale price. If you cannot meet that figure, then you may be required to pay private mortgage insurance (PMI). 

Banks charge PMI to protect themselves from defaulting on the loan in the event that you cannot pay your mortgage back in full over the agreed-upon timeline. 

Annual Interest Rate

As mentioned, the interest rate is the fee that your lender charges to maintain the loan. If you see the term APR, this stands for Annual Percentage Rate. The APR and your monthly interest rate will vary slightly.

Loan Repayment Terms

This is the number of years that you have to pay back the loan.

While a longer-term loan might have a lower interest rate, be aware that this isn’t always the best. You could easily wind up spending more money with this type of loan, as you’ll continue to pay interest over the course of the mortgage contract. 

Payments Per Year

This is the number of mortgage payments that you will make each year. If you are making monthly payments, then this number should be 12. 

Type of Mortgage Loan

Next, you will see the type of mortgage loan that you have. There are a few different options, including:

  • Adjustable
  • Fixed-rate
  • Interest-only

An experienced real estate professional can help you navigate all of the different mortgage options and suggest one that would be a good fit for your needs. This way, you can have an idea of what you require before you meet with a lender. If you live in Chicago, click the following link to connect with a qualified local team. 

Other Factors

Other factors that may affect your monthly mortgage payment include the market value of your home, as well as your monthly income. Your lending agent will walk you through all of the individual expenses that you can expect.

Make sure to read all of these terms and conditions carefully before signing on the dotted line. Setting up a mortgage is one of the most substantial financial decisions you will make in your life, and you don’t want to rush into this process. 

Calculating Your Mortgage Payment

When you’re ready to calculate mortgage payments, start by reviewing the exact type of loan that you have. Most loans are traditional, fixed-rate loans. 

For example, you may have a 30-year mortgage or a 15-year mortgage. This means that the timeline will not change, and you can expect to pay the same amount each month. By the time you’ve reached the end of the term, you should have your loan paid back in full. 

It might look complicated, but you can use the formula below to calculate your mortgage payment for a fixed-rate loan:

  • P x (r / n) x (1 + r / n)^n(t)] / (1 + r / n)^n(t) – 1

Here’s a breakdown of what these letters mean:

  • P: Principal
  • r: Annual interest rate
  • n: Number of payments per year
  • t: Number of years that you have to repay the loan

Don’t feel like crunching those numbers yourself? You can also use an online mortgage payment calculator to get the job done in a matter of seconds! We recommend going this route over performing your own calculations, simply because the risk of human error is so high. 

A Note on Affordability

When you meet with a lender, they may approve you for a mortgage that’s way higher than you originally thought you would qualify to receive. While it’s easy to get stars in your eyes and think about how much house that money could buy you, we urge you to exercise caution. 

Just because you’re approved for a high loan doesn’t mean you should necessarily take it. Make sure that you earn enough money to comfortably make those monthly payments. If you don’t, then you could wind up defaulting on your loan. 

This can render you ineligible to receive a mortgage loan down the road, so it’s definitely a mistake you don’t want to make. 

Calculate Your Mortgage and Find Your Home

Knowing how to calculate your mortgage payment is part of becoming a responsible homeowner. While you can use the formula listed above, it’s usually easiest to trust the calculation to an automatic online calculator!

Yet, don’t enter your numbers and be done. Take the time to understand all of the factors that go into your mortgage, and look for ways to stay financially smart as you move forward. Then, you will be able to enjoy your home without draining your pockets.

Looking for tips to help you make the most of your new residence? Check out our Home Decor guides!

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