Professional interior designers are expertly trained in the use of lighting features to create breathtaking results. In this four-part series which I call “Colour Me Brightly: Understanding Light in Interior Design,†I draw on my experience in London’s interior design community to explain this fascinating subject. This second article talks about how to create patterns using illuminated materials.
Any perforated textile, when lit from the back or from the inside, will speckle adjacent forms with pattern, from point strips and pirouettes to constellations and dazzling laser specks. The professional interior designer can use the trim of a window covering to create fabulous banding across a shiny floor covering in the London summer. Some interior design firms love to use ornamental metal lanterns to paint fiery asteroids on walls and furniture, while light projected through a sculpted screen can create magnificent abstract outlines in expressive contemporary interior design schemes. A factory-inspired metal stairwell with perforated treads – of the type often reinterpreted for ultra-modern interior design schemes – can throw tiny checkmarks of light onto local furniture when exposed to a bright London sky in springtime. A fabulous option with a wooden staircase would require the interior designer to specify a grit-washed tread, to deliberately throw stunning shadows from the rail onto the adjacent wall. Abstract wire-mesh sculptures by local London artists can engender powerful interior design emotions, with the pattern even becoming more important than the object itself! Interior designers can expressively use perspective to distort the pattern from complete realism, when lit front-on, to Baconesque abstract enchantment when illuminated at an acute angle. The same effect can be created by using mirrors to refocus natural light from bay windows in some of the more luxurious London residences.
Glass is another popular tool for patterns. A frosted glass table can be lit from above with a halogen downlighter to cast intricate outlines of reflected light onto the ceiling, and the interior designer can even use positioning to cause refracted light to splash abstract patterns onto the floor underneath the table. I have seen some London Interior Design consultancies deliberately illuminate trophy-style glassware on display shelves from the front so that the etching on the glass throws deep shadows that recapitulate a core design theme.
In the next (third) article in this series called “Colour Me Brightly!†I will reveal another secret of London’s interior design community: how to create patterns with opaque objects.
Posts Tagged ‘Understanding’
Colour Me Brightly! Understanding Light in Interior Design. Part II: Perforations and Glass
Tuesday, August 24th, 2010Understanding Your Current Personal Finance Situation
Wednesday, July 28th, 2010It is important: understanding your current personal finance situation is something that every person needs to do. By understanding what is going on with your personal finances you will be able to better control them. This can be one of the best ways to avoid money problems and debt.
Getting started is the hardest part. It can seem almost impossible to figure out where to begin when tackling finance issues. The best place to start is to simply look at expenses and income.
As the staples of a good budget, something every person should have, expenses and income are the main financial issues a person needs to understand. To begin you should gather all the relevant information. You may want to get bills, pay stubs and anything else that could help you list out your expenses and income.
The first thing to do is to track your daily expenses. This includes eating out, shopping and gasoline. You want to include these on your expenses list. You may need to gather receipts or actually keep a log for a week to be able to come up with an accurate account of your daily expenses.
Write out a list of expenses and then write out your list of income. At this point you should concern yourself with ensuring everything is listed. If your expenses or income vary then try to get a good average. You should have expenses separated into daily expenses and monthly expenses so you can see where your money is really going. Plus this will help when you go to budget your money.
Now you can begin to look at your debt. You should make out a list of your creditors. Your list should include the creditors contact information, the balance of your debt and the interest rate.
Now you should look at your personal finance accounts. This includes things like checking, savings and stocks. You want to list them all, including their current value or balance.
After going through your expenses, income, debt and personal finance accounts you should have a fairly good idea of where your personal finance matters stand. This should be a great platform for you to build upon to get your personal finances in good order. From this information you should be able to create a budget, get debt under control and best manage your personal finance accounts. You should be able to get the big picture about your personal finance situation and to understand it completely.
Understanding Reverse Mortgages
Thursday, July 1st, 2010Seniors today often live with a great deal of financial uncertainty. The retirement they imagined may not be consistent with the reality they face.
Incomes are flat or declining, living and medical expenses are higher than ever and few income boosting alternatives exist. Even those who have heard about Reverse Mortgages may be unsure about how they work or what questions to ask. As they search for information, they often turn to their financial institution for guidance and information. By becoming familiar with the product, you can be an even more valuable resource to your clients providing them with income supplementing alternatives to drawing down assets.
What is a Reverse Mortgage?
A Reverse Mortgage is a special type of loan that allows a homeowner to convert a portion of the equity in their home into cash they can access. The funds are not taxable to the homeowner and typically don’t interfere with eligibility for Social Security or Medicare benefits. (However, in the federal Supplemental Security Income program, beneficiaries must keep their liquid resources under certain limits.) The customer retains title to the home as well as right to any appreciation in home value when the loan terminates after it is paid off. The loan remains in force until the last titleholder dies, permanently leaves the home or sells the property; the borrower can’t be forced to sell or move by the lender. The loan may be repaid at any time. But unlike a traditional home equity loan or second mortgage, no monthly payments are required. Instead of putting further pressure on an already stretched budget, a Reverse Mortgage can free a senior homeowner of monthly debt obligations.
Most Reverse Mortgages today are Home Equity Conversion Mortgages (HECMs) and are FHA-insured and guaranteed. Because HECMs are subject to FHA lending limits, proprietary products have also been developed to help homeowners with properties in excess of the FHA lending limits.
Who qualifies for a Reverse Mortgage?
All titleholders must be 62 or older and own a home with some equity. There are no income or credit qualifications. Existing mortgages or liens must be paid off, but are often paid with proceeds from the Reverse. The homeowner must also remain current on insurance and property taxes, but these can also be paid with proceeds from the Reverse.
How can a borrower use the money?
The funds can be used for any purpose from making ends meet to living retirement dreams. The top reasons for funds used given typically by borrowers are:
The amount available depends on the borrower’s age, the value of the home, interest rates and local FHA lending limits. Older borrowers can receive a higher percentage of their equity than younger borrowers. Funds can be received in a lump sum, a monthly payment or a line of credit.
What are the costs?
As with most any loan product, there are origination fees and closing costs, but they can be paid from the proceeds of the Reverse Mortgage. HECM loans also have a charge for the FHA’s Mortgage Insurance Premium (MIP). There are usually no out-of-pocket costs to the borrower.
What consumer protections are in place?
Reverse Mortgages are non-recourse consumer loans – the loan payoff can never exceed the value of the home. To get a Reverse Mortgage, the customer must attend a mandatory counseling session and review their financial situation with a trained, professional Reverse Mortgage counselor. Many of the counselors are certified by the AARP. The counselor ensures that they understand the transaction, the costs and their other alternatives.
If you have questions regarding Reverse Mortgages or how they may provide life-changing benefits to your clients, contact MLS Reverse Mortgage at 1-888-888-4834 or www.mlsreversemortgage.com.
Fixed Rate Reverse Mortgage
MLS Reverse Mortgage
Colour Me Brightly! Understanding Light in Interior Design. Part IV: Conclusion
Monday, June 14th, 2010Professional interior designers are expertly trained in the use of lighting features to create breathtaking results. In this four-part series which I call “Colour Me Brightly: Understanding Light in Interior Design,†I draw on my experience in London’s interior design community to explain this fascinating subject. This fourth article concludes my series.
Linear light patterns can focus on either the horizontal or the vertical metrics of a room. A given wall-light technique can create an immersing halo effect, if the interior designer uses concentrated super-bright light at high level that gradually fades out towards the base. Some London Interior Design consultancies specialise in choosing continuous sources, such as a miniature tungsten rack for a soft light or overlapping fluorescents for a cooler light. This is an effect that works very well in contemporary interior designs, where light can be concealed between the wall and the ceiling in a crevice in order to take the place of the traditional cornice.
The best method of illumination for interior designers to use when creating patterns will depend on the interior, and also on the direction of windows (natural light in London can be very seasonal). A smoothly plastered wall can jump into existence with a dappled arc wave from closed-offset down-lighters but if the interior design feature lies in the texture and in the structure or hue of the wall, then a more uniform spray of light will emphasise the wall’s best perspectives. A splashback tile solution at the rear of a shower or bath is a good interior design choice for the arc wave effect, as is a Venetian blind in a London kitchen. A wood-panelled hall or study is often a compelling interior design feature, and accordingly it would be better lit with an even light that does not detract from the feel of the wood.
Shifting from instant to instant and from a London dawn to a dappled full seasonal moonrise, the impacts of illumination and shadow are phenomena we almost disregard. But London’s top interior designers know that patterns of light can actually transform our emotions with respect to the interior forms that engulf us. By bringing to life walls, floors and ceilings with light-focused interior designs, pattern-making is yet another realm of illumination that can brighten our spaces and enhance our quality of life.
Colour Me Brightly! Understanding Light in Interior Design. Part I: Introducing Patterns of Light
Saturday, April 17th, 2010Professional interior designers are expertly trained in the use of lighting features to create breathtaking results. In this four-part series which I call “Colour Me Brightly: Understanding Light in Interior Design,†I draw on my experience in London’s interior design community to explain this fascinating subject. This first article is about patterns.
Ask a London schoolgirl to imagine natural patterns, and she may talk at length of curvaceous seashells, the undulating edge of waves on the shore, the grooves in a gnarled tree trunk. Interior designers know that patterns are all around us. Patterns profoundly influence all interior design schemes, transforming our appreciation of color and texture, adding fluctuations and drifts or promoting harmony and stillness. London Interior Designers will focus on soft, fluid outlines in order to create relaxing patterns. By contrast, bold graphic statements in a wallpaper stencil can be invigorating for a London discotheque or salon. Pattern is a foundational ingredient of interior design, fragmenting overwhelming shapes and plain surfaces while simultaneously lending personality and profundity to a room.
London’s professional interior designers know one big secret: pattern is created not only by fabric and wallpaper. Light also forms any number of patterns through a virtual tussle or rough-and-tumble interaction between light and shadow. Light patterns are foundational to interior design schemes – from snippeted, kinetic and frosted patterns to curvy arcs, spearhead-style lines and theatrical projections of abstract forms.
Patterns of light fall into two main interior design categories. The first is all about objects in the path of light, casting shadows. We draw our inspiration from the natural world where, when sunlight strikes rippling water on London’s famous River Thames, flickering patterns are reflected up into the trees along the water’s edge. Similarly, if an artificial light source is directed onto water – perhaps a pool, fountain or babbling artificial brook – active reflections will dapple the surrounding walls and become an interior design feature. Sunlight may shine through the branches of a tree to create moving patterns of light and shade below, and similarly a low-voltage uplight, positioned behind indoor plants, can create beautiful interior design features on the walls and ceilings. This technique can be stunning both inside and outside the building.
In my next article, I turn to patterns that use perforations and glass.