Komunitas-Super

Many people are not fully conscious of how important colour is in their lives and both in interior design and buying clothes some people will opt for whatever current fashion trends dictate.

For interior design purposes going with the current colour trends could be a mistake and it could even affect your health.

I know that this sounds quite dramatic but without an appreciation of how certain colours make us feel, people can be convinced that the latest trendy shade of yellow will be gorgeous in their child’s bedroom.

With yellow your child is unlikely to have a good night’s sleep and over time this is not much fun or good for his health!

In this article I have described each colour and its qualities, followed by its complementary colour and its qualities. Additionally these qualities have been corresponded the chakra system which are the wheels of spinning energy some believe lie at certain points around our bodies.

Each colour also has a complementary colour, which on a colour wheel will be the colour that sits opposite to it. The complementary colour will make a striking effect when added to the same room, and depending on the structure and purpose of the room you can do this either quite subtly or add more to create a stronger look and feeling.

For interior design you will still achieve these results by using variations of shades which correspond to the colours. If you wish to have the balance that is created by complementary colours but would prefer to make the room less dramatic, then choose paler shades of the colours.

Before choosing the colours remember that form follows function, and the “form” or energy of the colour should be appropriate for the purpose of the room.

Yellow is a colour which stimulates mental activity and is therefore the last colour you should choose for a bedroom. It also is good for studying or reading, whilst promoting self confidence at the same time. So actually yellow is the perfect colour for the room where your children do their homework or for a home office.

Yellow is the colour for the solar plexus chakra which relates to our feelings of self worth, so how we feel about ourselves and how we think others feel and think about us. This chakra is about the personality, the intellect and the ego.

Yellow’s complementary colour is violet.

Violet is calming for the mind and body, and is a colour that heightens awareness and makes us feel like doing our best. It is a purifying colour and can strengthen feeling of dignity and purpose.

Violet is ideal for entrance areas, especially into clinics, and places of worship or meditation. It can be used in a pale version in the bedroom, but if you wish to use yellow to complement it you need to be very careful to use only a subtle amount and shade.

The crown chakra is violet and this chakra relates to self-knowledge and spiritual awareness. With this colour in balance a person has an increased respect and love of life, can be extra helpful to others and is idealistic.

Orange is a warm and energizing colour, and is great for sociable areas and creative/active areas. It is best avoided in the bedroom as it encourages liveliness.

It is the colour of fun and sociability.

The chakra it relates to is the sacral chakra which is about giving ourselves the freedom to be ourselves respectfully. It is also for the ability to give and take with others.

When balanced it is creative, sociable and joyful.

The complementary colour for orange is indigo.

Indigo is a quieter colour and therefore perfectly suited to bedrooms, and areas that should ideally be calm. It also helps us feel intuitive.

It corresponds to the brow chakra, which is also known as the third eye. (Not literally a third eye, this is a term for the intuitive channel between the two “real” eyes).

The positive aspects of this chakra are being tuned into your true life path and responsibilities. It means having an organised mind, integrity, being loyal and seeing things clearly.

Red is a great colour for any activity area, but you need to be choosy about the shade so the room does not feel smaller or oppressive. If it is used well it will make a room feel cosy.

Red relates to the base chakra, at the base of the spine, and this area is about survival the most basic human instinct of them all.

Used positively it should make a person feel courageous and with strength of will. It promotes assertiveness in the right measure.

Red’s complementary colour is blue.

Blue is a calming colour and makes people feel relaxed. It can be used in any room except for one where you wish to stimulate physical activity. It is also the colour of communication. So for example it is perfect for a lounge or sitting room area.

The chakra for blue is the throat chakra and this relates to self-expression. So it’s all about communication, the ability to speak and communicate our needs and wishes. If balanced it helps us to be trustworthy, calm and loyal.

The eighth colour of the spectrum is magenta which is a mixture of red and violet. This is a combination of the physical and the spiritual put simply. It is not suitable for play areas, but is good in lecture and study areas.

As a combined colour it picks up from both the base and crown chakra qualities.

Magenta’s complementary colour is green. Green is very harmonising and encourages tolerance and understanding. It would of course be ideal for negotiations between politicians...

Green is a colour that you could use in any room really, and the tip here is to be aware of the shade. So you wouldn’t choose one with too much yellow in it for a bedroom.

It is important to balance out green with another colour, or colours as too much green may lead to inactivity.

The heart chakra is the one that relates to green. This is the energy of being able to give and receive love, including self love.

When in balance it will make you feel compassionate, loving, generous and well-balanced.

Different people will at different times of their lives be attracted to certain colours, and this can change as your life circumstances change.

To add some flexibility into a colour scheme there are a wonderful range of colourful glass door knobs by Bombay Duck. These can also be used to spruce up wardrobes and furniture.
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You've heard it all before: A mortgage is the single largest debt most people hold in their lifetime. Buying a home is a major life decision. Let's face it: applying for and obtaining a mortgage is stressful: there's the paperwork, the fees, the forms, the decisions, the uncertainty... pretty daunting stuff! The best thing you can do in the face of so many things potentially going wrong is to learn as much as you can about the process and how you can mitigate against mistakes. Here we offer seven key mortgage tips and mortgage hints to help make the whole experience run a little more smoothly.


Mortgage Tip 1: Fix your credit report

First and foremost on our mortgage hints list—and before you even think about applying for a mortgage—obtain copies of your credit report! By doing this several months in advance, you will have enough time to review it, challenge any errors that appear on it (and get them fixed), and start working on any aspects of your credit report that may be weak and need some improvement. This can be as simple as paying off a bill that's overdue or paying off a credit card. For more information on credit reports, visit the credit section of this site.

Amazingly, many consumers don't think twice about their credit rating: they think that if they have a good job and can put down a decent deposit that their mortgage application will be approved in a heartbeat. Your credit history is one of the major factors that will be considered by any lender.

Mortgage Tip 2: Figure out what you can afford

Another one of our mortgage hints involves affordability. Given the harsh economic climate in the US at the moment, nobody wants to take on a debt that they will not be able to repay. So, sit down and figure out exactly how much spare cash you have left every month for a mortgage payment. Don’t just take away your everyday living costs and other financial commitments from your salary/salaries and use the figure you have left. Leave yourself some breathing space with some spare cash that can cover emergency costs or rises in interest rates every month.

It’s also a good idea—if money is tight—to maybe use a couple of months before you apply for a mortgage to save up as much as you can for your deposit and other mortgage costs. The higher the deposit you have, the lower your loan will be.

Mortgage Tip 3: Get pre-approval

To speed up the process and avoid disappointment, any mortgage tips or mortgage hints checklist, would advise getting pre-approval. Don't confuse your terminology: getting pre-qualified for a mortgage by a lender does not mean that you are pre-approved. Pre-qualification (often known as an Agreement in Principle) simply means that a lender has told you what you are likely to get for a mortgage if you apply; the lender simply looks at what your income is, what your current debt situation/outgoings are, and how much of a deposit you can put down if you do apply for a loan with the company. This is just a rough assessment that is often done on the spot.

A pre-approval, on the other hand, is much more involved since, during this process, you actually apply for a mortgage and go through the application process (so you will, for example, give the lender specific information such as salary slips and tax returns). The lender then verifies the information, checks your credit rating, and will then approve or reject your application. If you are approved, then it will basically be ready to go ahead as soon as you find a property to buy.

If you are pretty certain that you will get approved for a mortgage, then you may think that you don’t need to go through the pre-approval process. You may think it’s enough to get a rough idea of how much you potentially could borrow and then take it from there. But, don’t ignore mortgage tips and mortgage hints here!

Consider this: in a buoyant property market, estate agents and sellers, all other factors being equal, would much rather sell a home to a pre-approved buyer than a pre-qualified one, since the pre-approved buyer already has his or her mortgage offer on the table. This gives them the comfort factor of knowing that you can afford to buy the property and that the whole process will go faster as you don’t have to then go through the application process. Imagine losing your dream home to another buyer for this reason!

Mortgage Tip 4: Borrow the right amount of money

You should have already used our previous mortgage tips to figure out your budget, so stick to it! Don't just apply for the biggest possible loan that you can get. Don't assume, either, that your income will keep increasing so that eventually payments will be easier to manage. There is nothing more disheartening than being a new homeowner who is 'mortgage poor' or ‘housebound’—someone who has a nice home but who can't even go out for dinner or buy the kids a treat because your mortgage payment eats up so much of your income.

Don't assume, either, that owning is cheaper than renting. Remember that you will also have to pay for other post-mortgage stuff, property tax, insurance, utility bills, and of course, maintenance and repairs. These costs will not be necessary if you rent.

Be wary of your lender, too: although many US lenders are cutting back on the loans amounts they will approve at the moment, many will still let you overextend in some cases. It’s not their problem if meeting your mortgage payment every month means that you cannot save for the future, go out for the evening or take a holiday—as long as you pay the mortgage!

So how do you determine what you can afford? In a nutshell, try to limit your housing costs (mortgage payments, council tax, and insurance) to about 25-30% of your gross household income if you can. That will give you some breathing room.

Mortgage Tip 5: Shop around for rates and terms

If you have a good credit rating, then don't get stuck with a 'subprime' loan meant for someone with poor credit! Educating yourself and shopping around will help mitigate against a lender or broker trying to take advantage of you by charging too high an interest rate. Want to verify whether or not you have good credit? Consider our previous mortgage hints, and order your credit report to find out.

Mortgage Tip 6: Watch out for extra (and unnecessary) fees

Some additional lender fees are legitimate, but some lenders will also try to squeeze some extra cash out of you. Again, by educating yourself and shopping around, you will have some comparison points and will be able to get a good idea of what is out there.

Bear in mind that some lenders fees are charged as standard across the industry, but others are only charged at the discretion of the lender. So you could, for example, rack up some savings by using lenders that don’t automatically charge insurance penalties (if you don’t take out your home insurance with them) and/or early repayment charges (fees payable if you try to repay your mortgage early).

The variation between standard fees can be large; again, shop around to see who charges the least (and the most) before choosing your lender. Whatever else happens here, be careful: many borrowers complain that they still faced higher costs than were originally estimated.

Mortgage Tip 7: Factor in extra money

Don’t think that buying a property is just about your mortgage costs. It will cost you money in lender’s fees and legal fees to take out the mortgage in the first place. You may also have to arrange for insurance, removal company costs, as well as buy furniture, and you may also have existing rental costs to cover as well until your rental agreement is done. So, how can our mortgage tips and mortgage hints help you here?

Some sage advice: budget generously for this when determining what mortgage (and deposit) amount you can afford. Your lender and solicitor/conveyancer should also be able to give you an estimate of their total costs, so get this info as soon as possible in the process and set the money aside.

Once you've paid everything off, be prepared for even more cash to come flying out of your pockets. After all, just because you've finally got the mortgage finalized and paid off your solicitor, don't assume that you're out of the woods yet! Often, consumers will scrape together every last penny they have to focus on making as large a deposit as they can, but then other costs just add to the misery! Experts (and experienced homeowners) will all tell you that something unexpected always happens with a move. This can be as simple as a leaking tap that needs a plumber a week after you move in.

In fact, some people are so short of money when they finally get the up front costs paid that they are unable to make their very first mortgage payment—not such a great start! So, take expert advice about mortgage tips and try and have around three months' reserves in living expenses spare. This is a good idea in mortgage tips and mortgage hints terms, anyway, since it allows you a bit of room if (when) various expenses pop up unexpectedly.
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