A typical water softener takes approximately 85 to 90 minutes to run through its complete automatic regeneration cycle. During regeneration, the softener cleans the treatment medium by changing the chemical reaction which eliminates unwanted dissolved minerals from your water. With the dissolved minerals eliminated, the washed therapy medium is ready to pull more minerals out of your own water. When troubleshooting a malfunctioning softener, you might want to run each regeneration step manually.

Step By Step

The regeneration process starts with a backwash through which the softener pumps water backward through the treatment medium to remove sediment. This step takes about 10 minutes. The next step is the actual regeneration, once the softener draws salt brine out of a tank and pumps it backward through the treatment medium to chemically clean out the side minerals and send them down a drain. This stage takes approximately 50 to 60 minutes. Afterward the softener flushes the salt brine out of the treatment medium and down the drain so that the cleaned treatment medium will be ready to treat more water. This requires approximately 10 to 15 minutes. The last step is refilling the salt tank with water to make more brine for another regeneration cycle. This takes about another 10 minutes.

See related

Building home equity is a homeowner’s dream. Homeowners interested in constructing home equity are usually preparing to sell their houses or are worried that they owe more than their houses are worth. Others, however, could be considering building home equity to leave a lasting legacy. There are proven strategies to economically build home equity that many homeowners can do in their own. Other more dramatic changes may call for a contractor.

Home Equity Defined

Prior to attempting to increase your home’s equity, then understand the definition of the period. It directly relates to the amount of equity, or interest, built up in the home. Subtract the outstanding balance due on the mortgage from the current market value of the home to arrive in your home’s equity. Equity may increase via admiration, payments or improvements.

Appreciation

Homes usually gain equity through appreciation over time. That is not always true in a down market, but it is often true. Provided that a residence is well-maintained and the market is secure, a home typically rises in value.

Extra Payments

Increase the frequency and number of payments to the mortgage business and you may significantly increase the equity in your home. 1 creative means to do that without breaking your budget is to pay half a mortgage payment every 2 weeks, rather than once a month. Each calendar year, you will pay another payment. Based on the mortgage balance and interest rate, you can wipe out six years or more of a 30-year fixed-rate mortgage. Every dollar paid above the mortgage payment because goes to the principal of the loan and reduces the duration of the loan.

Maintenance/Repairs

Keep the home by completing repairs because the need arises. If you notice the ac unit making a funny noise, do not wait till it quits entirely to call a repair business. Perhaps it doesn’t cost much in the start, but a significant charge may lead to if it stops working entirely. Fix holes in walls, dings in doorways and nicks out of corners of rooms. Place corner guards over corners to prevent additional harm. Paint worn surfaces and stick to neutrals or earth tone colours.

Upgraded Style

The two main rooms to update at a home are the kitchen and master bathroom. Either refinish cabinets and substitute aged faucets and fittings or set up new ones. Outdated wallpaper and carpet substantially decrease the equity in a home. Remove or replace it. If you discover hardwood flooring underneath old carpet, it may cost less to get them refinished. Home buyers often prefer hardwood flooring over carpets.

Curb Appeal

What others see from the curb is often overlooked by homeowners and perceived as not adding value. Homeowners will ignore the lawn to center on the inside of the home. Place effort into both. Produce a visual aesthetic by planting a few small concentrated areas of plants and shrubs. Build retaining walls and set up small cheap fountains and garden ponds. These things enhance a home’s equity based on curb appeal.

See related

Much of the leasing procedure is regulated. Federal fair housing laws, state laws regulating security deposits and local rent control–regulations restricting rent increases and flooding –create borders inside which leases and home rules may be written. By and large, however, property owners are free to develop, implement and apply general rules as they see fit. A landlord can evict a tenant for failure to obey the home or apartment complicated rules if the rules are contained in or referenced from the rental. Rules may also be changed from the landlord with a written note –normally 30 days in advance.

Quiet Hours

Quiet hours are generally contained in flat complex rules. The landlord is free to determine the standard, wording and time periods that apply. Normally, quiet time is described as a predetermined period of time during which noise that leaves a flat –such as loud music–may not happen. This is generally a lower threshold of noise than local noise ordinances include.

Garbage

While utility payment responsibilities are given in every lease and could differ from apartment to apartment, rules relating to when and how the renter must remove garbage are generally part of a pair of rules related to everybody in the complicated. Rules might need garbage cans to be taken out and brought in on certain days, demand separation of recycling and explain the procedure to get rid of large articles such as mattresses.

Parking

Parking rules may be specific to a device or apply equally to everybody in the complicated. The rules may prohibit certain activities, for example parking outside specified areas, or require that vehicles be registered with the landlord. While the landlord cannot regulate how a renter parks or utilizes streets and sidewalks adjacent to some complicated, he has authority over all common places.

Pets

Rules on pets can vary from an outright prohibition to some limit on the species, size and breed. They may include a leash demand on flat complex grounds and evidence of current shots and licensing. A landlord can require a tenant to receive liability insurance on the grounds of owning a pet. A pet prohibition will not prevent a disabled person having a service pet from dwelling in the complicated. (References 1 and 2)

Amenities

If there’s a pool or fitness center inside the rental complex, the landlord can modulate hours of operation and general conduct. She is able to determine policies for guests in such areas in addition to age restrictions.

See related

Liens and levies are debt collection instruments that compel debtors to repay outstanding debt obligations. Both collection instruments offer a means to collect delinquent taxes and grant varying levels of legal rights over personal property to repay the debt. When a lien or levy is used to collect on a debt, the debtor loses control of some or all personal property.

Lien

A lien is a claim against property used as collateral to secure a specific debt. If the collateralized property is sold, proceeds from the sale should be applied to the outstanding debt. By way of instance, a mortgage lender extends a loan to your homeowner with the home as collateral. If the homeowner is unable to make mortgage payments, the lending institution may take possession of the home and sell it in the open market in an effort to make up the losses in the failed mortgage loan. Promoting the house requires the vendor to pay off the outstanding mortgage debt .

Consequences of a Lien

When a lending institution files a lien against a borrower, the lending institution has a valid right to claim the property used to guarantee the debt liability. In circumstances where a lien is registered against a productive asset like machines or work vehicles, the debtor has an opportunity to negotiate a treatment to the lien, since the productive asset can generate income to make payments up and continue paying the loan off. In other circumstances, the security is in the possession of the lender until the debt has been paidoff.

Tax Lien

A tax lien gives the Internal Revenue Service (IRS) legal promise to use property as security for overdue taxes. A tax lien issued by the IRS attempts to collect delinquent taxes by exposing a lien into a delinquent tax payer’s property. If the property under lien is sold, the IRS is allowed priority among other creditors to receive the proceeds from the selling of property.

Levy

A levy grants a legal right to seize property to satisfy outstanding tax obligations. Levies are used to collect outstanding taxes and allow the Internal Revenue Service to carry all of the assets necessary to satisfy the tax debt. According to the IRS, the physical property subject to seizure includes homes, cars and boats. In addition, the IRS can levy investment dividends, financial accounts, professional licenses, rental income and salary.

Tax Levy

A tax levy is a more severe step toward tax collection in relation to a lien. The sole notification involved with a tax levy is a written notification expressing the intent of the IRS to issue a levy. The aim to levy notice is the start of the procedure to actually capture property if the taxpayer won’t settle with the IRS or otherwise fails to respond to the notice or appeal that the levy.

See related

With the holidays fast approaching, many are focusing on the dining room, the location that will be a gathering point for family and friends. We all want our visitors to be comfortable, and providing just the correct seat is the initial step.

When choosing the proper dining chairs for your own tables (they don’t have to match styles), there are several points to think about. First, ensure the dimensions of the dining space are congruent with the dimensions of the dining table and chairs so the room’s dimensions doesn’t overpower the furniture (or vice versa). Secondly, ensure the chair’s seat height isn’t overly high or low for the table There ought to be around 12 inches between the surface of the seat and the surface of the table.

Now that you understand what size seat would fit your dining table and space, the enjoyable component of picking a fashion begins. With a lot of styles to pick from, it may be hard to narrow them down, so I’ve piled up my favorites to share with you. — Cristin from Simplified Bee

Ballard Designs

Collette Dining Chairs – $279

Need extra seating? These bamboo-style seats with hurried seats are a classic look and will look fantastic paired with most present dining seats.

1stdibs

Place of Chippendale Dining Chairs

The Chinese chippendale-style seat is a classic. It would be fantastic paired with a variety of table designs and in both casual and formal settings.

Overstock.com

Casual Living Vintage French Round Back Upholstered Linen Dining Chairs – $499.99

This breeding classic French dining seat captures the elegant restraint symbolic of neoclassicism.

West Elm

Elton Dining Chair – $249

For a traditional look, the tufted back on this upholstered seat provides a sense of elegance to any dining table. Its generous proportions make it comfy your guests will not need to leave!

1stdibs

Baker Furniture Dining Chairs

Liven up any dining area with upholstered seats in a bright color like this avocado.

Jayson Home

Antique Louis XV Dining Chair

This antique Louis XV dining seat in emerald velvet and brass nailhead would work well with big or tiny tables. It is perfection in my novel.

1stdibs

Swedish Gustavian Klismos Chairs

Antique Swedish Gustavian Klismos chairs would be lovely paired with a traditional or transitional dining table.

1stdibs

Lacquered Loop Back Chairs by Frances Elkins

The carved loop-back dining chair designed by Frances Elkins in the 1950s is among my personal favorites. It is a showstopper in almost any area.

Restoration Hardware

Nailhead Upholstered Chair – $399

I love the lines of the linen seat. Its traditional shape makes it a versatile classic for your property.

Holly Hunt

Siren Dining Side Chair

The beautiful Siren dining seat by Holly Hunt seamlessly combines both modern and transitional components.

Clayton Gray Home

Lucite Wedding Chair, Clear – $380

Here is a bamboo-style seat in Lucite. I love the modern feel of the airy and light traditional-style seat!

Pottery Barn

Napoleon Upholstered Chair – $199

I have long admired Pottery Barn’s Napoleon dining chair. It is now made with a sleeper pillow that would be fun to change out for extra pattern or even a pop of color in the dining space.

Baker Furniture

Thomas Pheasant Dining Chair

This elegant upholstered seat with a tufted back, nailheads and pull hardware details is perfect for a formal dining area. It’s also a seat that can work with many different styles and settings.

PLANTATION

Nate Chair

Want a little glamour in your desk? Try this modern upholstered seat with sensuous curves at the shoulders, a trim-cinched waist and a fabulous chevron pattern that can be dressed up or down.

Serena & Lily

Josephine Dining Chair, White – $550

Inspired by French deco designs, this seat features beautiful curves and lines. Change the upholstered seat out for an enjoyable dose of color.

Juliet-SL Seat, White, Set of 2 – $973.44

For a casual, elegant, modern feel, this sleek lacquer seat is right for you. It is fantastic for children too!

Room & Board

Wegner Wishbone Chair, Kiwi – $727

Known for its clean and simple lines, the midcentury Wishbone seat by Hans Wegner is reproduced here in a bold chartreuse.

Smart Furniture

Navy Chair with Wood Seat – $637.50

Produced in the 1940s, the aluminum Emeco Navy dining seats have made a resurgence in the design world. These casual seats could be mixed and matched with various different materials, textures and styles. I like this edition of the seat with natural wood seats.

Modern Dining Chairs – GBP 373.20

For the casual dining table, consider adding legendary Eames seats with wooden foundations. They are the brand new classic.

Candelabra

Oly Studio Coral Side Chair

Reminiscent of the Chinese chippendale, this seat using a hand-carved coral theme is a fantastic option for both formal and casual dining settings.

Next: Discover Your Own Dining Table Style

See related

As it’s nearly back-to-school time, I started thinking about my own college digs. My dorm room was ugly — as in, burgundy and hunter green ugly. Obviously, those were the days before design websites for inspiration. I thought it would be fun to shop around for what I might use if I were to receive a dorm room do-over. Here’s a roundup of 20 trendy and colorful products which would make any dorm room a little more fun. — Emily from Emily A. Clarke

Garnet Hill

Round Wire Baskets – $128

These wire baskets are great for storage. I’d fill them with towels, linens or publications. They could even create a fashionable trash can beside the desk.

Garnet Hill

Chevron Flat-Weave Wool Rug – $68

You can not paint your sub walls, so I’d opt for a big, colorful pattern on the ground with those modern chevron rugs.

Garnet Hill

French Stripe Jersey-Knit Bedding – $28

Striped sheets add a graphic punch to your mattress, even if you keep the remainder of your bedding easy.

Home Decorators Collection

Martha Stewart Living Fabric Drawer – $7

All these storage cubes are perfect for hiding clutter or storing papers and books. They come in many different colors and fit perfectly on a cubby-style bookcase.

Etsy

Dowloadable Typography Art Print, Dream Big by Typographics – $5

This colorful poster is an enjoyable daily reminder that the world is your oyster!

Etsy

Decorative Bulletin Board, Big by Only Lally

Bring in a little color and pattern when displaying your favourite pictures and notes on this fabric-covered memo board.

Etsy

Button Push Pins by When It Rains – $4

Why use routine thumbtacks when you can add color with these fun button ones? They are the perfect complement to the fabric memo board.

PBteen

While You Were Out Message Board Decal – $59

There’s no explanation for the roommate not to give you a telephone message with this oversized decal.

Etsy

Shower Curtain, Zig Zag, Ash Gray by Elisabeth Michael – $199

If you’re fortunate enough to not need to share a community bathroom, use one of those adorable chevron shower curtains. The bows make them additional fun.

BeddingStyle

Perry Ellis Fire Island 2-Piece Bath Mat Set – $19.99

Your bath mats can bring vivid colors into a drab space. I’d mix these up in plenty of shades.

Colors of Light

Bedside Clamp Lamp – $149

Since dorm rooms are often tight, this clamp lamp is perfect for providing job light whilst not taking up valuable desk space. Plus, the metallic end adds a nice industrial texture.

Shop Ten 25

Kiss The Sky Art Print – $280

These birds will add a fun, modern punch to any drab dorm wall.

Etsy

Decal Headboard, Overlapping Squares by Decals Murals – $34.99

Forget ugly dorm furniture! I’d use this graphic headboard decal to provide my bed design without taking up one square inch of valuable space.

Grandin Road

Antiqued Metal Letters and Symbols – $29

Typography art adds a daring texture to any wall. I’d use these colorful letters to create my initials or perhaps a reminder to S-T-U-D-Y.

Anthropologie

Counting Stitches Pillow – $98

I love this easy pillow. Even if you don’t have space for many accessories, then this provides just the ideal amount of color to a double bed or accent chair.

Anthropologie

Plunged Pencil Cup, Yellow – $12

This little pencil cup is a great desktop accessory, and it can double as a vase.

Coastal Living Cottage Table Desk, Beach Cruiser

I would have felt much better about researching if I had had a brightly colored desk similar to this one. I love the bamboo-style legs.

Etsy

Big Pouf Floor Pillow, DwellStudio Dotscape, Charcoal by Aletafae

This massive pouf ottoman is comfy and graphic. I’d use it as an extra chair, foot stool or possibly just a little coffee table with a tray.

Belle Chaise

Bristol Chair With DwellStudio Gate Fabric – $349

Cute (and comfortable) desk seats are tough to find. I like the way the bright, modern fabric gives this normal office chair a fresh appearance.

Bellacor

Bai Design Cyber Orange Designer Pick-Me-Up Alarm Clock – $36.95

If you hate to hear the sound of your alarm in the morning, hopefully this adorable orange clock will make it a little simpler to rise and shine.

More: Produce a Chic First Apartment to a Dorm Room Budget

See related

If you lose your house to fire, disaster or theft, insurance may cover the loss. How much it insures depends on your policy. Some policies only pay the cash value of your property, but others pay the cost of replacing it. On a 9-year-old television, as an example, cash value is a great deal less compared to the replacement cost. Condos, apartments and mobile homes all need different coverages from regular homeowners insurance.

Insuring Apartments

California law requires your landlord insure the apartment building you’re residing in. However, the landlord’s policy gives your furniture and possessions zero security; to pay themyou need renter’s insurance. A renter’s policy covers theft or damage of your possessions. Even if they are stolen out of your rental — from your car, for instance — they are covered. Your policy may also defend you against liability and health care bills for accidents in your apartment. Additionally, it may pay living expenses if you have to move out after a fire or other catastrophe.

Covering Your Condo

In some ways, condo coverage is similar to renter’s insurance: Your condo association covers the construction, and you’re responsible for your unit. Some associations have a”bare walls” policy that extends to your unit walls, but not inside them. Insuring the floor lamps, granite counter tops, hardwood floors and so forth is your responsibility. An”all in” policy insures fittings, though not your furniture and personal possessions. Your personal policy insures everything the association policy does not.

Trailer Policies

Mobile homes are a subset of manufactured homes — houses constructed at a factory, then sent to the website, rather than constructed on the property. If you rent a mobile home, you take out renter’s insurance. If you have, you purchase made – or – mobile-home insurance. This works just like a normal homeowner policy, except it costs . Manufactured homes are not usually as strong as a traditional built-on-site home, so insurers charge homeowners a greater premium.

Adequate Coverage

If you take out $100,000 worth of coverage, it is insufficient for $200,000 worth of losses. Even replacement value policies have limits to how much they will pay. If you have bought lots of expensive items as you took out your policy, you might not need to increase your coverage. Specialty, high-ticket things like electronics or jewelry may require extra coverage. If you require protection against flood damage, you are going to have to get flood coverage separately, as regular insurance does not cover it.

See related

Wall cap tiles serve a similar function as chair rail molding over a paneled wall; they complete the border instead of leaving the field tiles at an abrupt stop with no transition into the wallpapered or painted surface over it. Tile wall caps utilizes a number of supplies and the same tools since the remainder of the wall. If you did not use a saw to cut on the field tiles, then you will need one. Most wall caps’ irregular profile is almost impossible to cut directly with a dent cutter or nipper.

Lay a row of wall mounted cap tiles onto the ground with spacers between the tiles. Assess the wall in which the tiles measure and will go the row of tiles to ascertain whether a few tiles will require cuts. Cut tiles are often not, and at one or both ends of the row through the row.

Assess the row of tiles again. Apply that dimension to the wall over the field tiles, which are the tiles that cover the portion of the wall. Mark the beginning and end of the row of cap tiles on the wall with a pencil.

Mix thinset mortar in a bucket or bowl that is large according to the manufacturer’s instructions.

Thinset on the rear of one cap tile with the border of a trowel. Press on the tile against the wall over the field tiles. Spreading thinset is called back-buttering, and it avoids smearing tiles.

Steak the backs of the rest of full tiles and press the tiles against the wall. Tile spacers to get alignment between the tiles.

Assess the space from the end of the row of tiles towards the end of the wall. Measure both spaces, if cut tiles will go at both ends of the row.

Measure across one cap tile into the width required to fill the space. Mark the dimension on the tile with a pencil. If you need two cut tiles, then mark and measure the other tile now.

Transfer the fence or shield on the saw that is wet to match the area. Move the weapon 1 inch away from the blade, if you marked the tile to cut 1 inch and lock the weapon.

Put on eye protection and turn on the saw.

Set the end of the tile against the fence and push the tile into the saw bade.

Switch off the saw and wash the water off the tile with a rag. In case you’ve got another tile to cut, then move the fence into the position and cut on the tile.

Spread thinset on the rear of the cut tile and put it place at the end of the row. When there are two tiles, repeat.

Let the thinset dry for about 24 hours, then pull the tile spacers.

Mix grout in a bucket or bowl according to the manufacturer’s instructions.

Scoop up grout onto the edge of a kitchen sponge that is dense and spread it. Due to the irregular profile, cap tiles need more grout. Till they are packed full work grout into the lines with the sponge.

Wipe the excess grout off the tiles with the sponge.

Dampen a sponge that is and wash the cap tiles to remove residue. When there seems a haze on the cap tiles, buff it off with a rag.

See related

Foreclosure proceedings can be initiated soon after you miss your first mortgage payment, however the Department of Housing and Urban Development (HUD) describes several types of foreclosure assistance that are available to borrowers in default. The kind you may be eligible for depends upon where you’re in the foreclosure process. The more time you wait to take actions to prevent foreclosure, the more restricted your choices will be.

Get in touch with your lender, a housing counselor or both before or just after you miss a mortgage payment. HUD contends that the earlier you make the telephone the higher your chances of saving your home. If at all possible, make a payment to stop yourself from falling three full payments behind, after that point the foreclosure process will already be well underway. If you’re only 30 or 60 days late, the Federal Trade Commission claims you might still be able to work out a payment plan directly with your lender and prevent a stride in foreclosure proceedings.

Consult your lender that foreclosure aid programs they participate in. As the Building Home Affordable website states, Fannie Mae and Freddie Mac loan servicers should take part in the government’s recently instituted mortgage modification plan, and other private lenders are encouraged to participate. Many significant banks provide government foreclosure aid programs as well as their own choices.

Document your case for claiming financial hardship. In case your cash problems are not temporary, a payment plan will likely not function for you. Instead, you probably ought to get into a less expensive mortgage to prevent foreclosure. A mortgage modification, wherever your lender adjusts the conditions of your loan to make a more manageable monthly payment, might work. To qualify for many alterations, including the federal government’s Home Affordable Modification Plan, however, you ought to be able to prove that you cannot make your payment moving forward.

Collect pay stubs or tax returns exceeding that your mortgage payment exceeds 31 percent of your monthly pre-tax income. Although this requirement is unique to the Home Affordable Modification Program, it’s also an affordability calculation employed by most lenders.

Consult your lender about more extreme choices to prevent foreclosure if you can’t be qualified for a repayment plan or mortgage modification. If you can’t keep your home due to unemployment or reduced income that prohibits you from making a reduced monthly payment, you may still stop foreclosure. Having a brief sale or deed-in-lieu of foreclosure, you lose your home but prevent foreclosure. In a short sale, your lender lets you sell your home for less than the balance on your loan while forgiving the gap. Having a deed-in-lieu of foreclosure, you voluntarily transfer your house’s deed to your lender in exchange for the cancellation of the remainder of your debt and wander away, according to the Federal Trade Commission.

See related

HUD homes can save yourself a house buyer money, but need thorough research before purchase. The Department of Housing and Urban Development oversees the Federal Housing Administration. The FHA backs mortgage loans made by private lenders to eligible borrowers to encourage affordable home ownership in the U.S.

Function

HUD insures mortgages that are backed by the FHA against borrower default option to entice lenders to give mortgages to home buyers. Borrower default happens when the borrower ceases paying the mortgage loan. A house with a HUD-insured loan that’s foreclosed on can turn into a HUD house, as stated by the Department of Housing and Urban Development. HUD pays the lender the amount of the guaranteed loan that’s owed after the foreclosure. The creditor then deeds, or transfers the possession of the house, back to HUD. HUD sells the house to recover the money paid to the lender.

Outcomes

HUD homes can have an assortment of problems related to the factors that led to foreclosure. Homes that have been left for a time period can have pest issues and serious damage from weather elements or vandalism. Damage from major repairs that weren’t done can also be a problem, such as mold out of a leaky roof. The former owners of the HUD home may have imposed property damage before moving as a reaction to the foreclosure. A HUD house can lack major fixtures, such as pipes and bathrooms, due to removal from the owner.

Benefits

HUD will have the house appraised, or assessed by an expert to ascertain the worth, before putting the property on the market. HUD homes are sold at actual value, or what the appraiser deems the house is worth in the present condition, based on HUD. The assigned value of the HUD house will reflect the investment required by the buyer to make necessary repairs. HUD offers programs and incentives to buyers of HUD houses, such as the FHA 203(k) Rehabilitation Loan, a distinctive mortgage that permits the borrower to put the cost of the house along with the estimated repair costs together in one loan. Buyers can ask HUD cover the final costs. Closing costs can climb over $1,000, and include filing fees for deeds and loan preparation fees.

Factors

HUD homes are sold”as-is,” with no warranty or guarantee about the house’s condition. HUD won’t make repairs or fix any potential problems, so a prospective buyer is invited to obtain a house inspection. The beginning of the selling period to get a HUD house is known as the offer period. Buyer must submit bids during the offer period. HUD homes that aren’t sold during the offer period are opened to all predictions, and HUD will accept the bid that makes it possible for the agency to recover the maximum money.

Misconceptions

HUD housing programs generally are geared toward individuals using low-to-moderate incomes, but HUD houses can range in cost and are readily available to any buyer who can obtain funding, irrespective of income. HUD does sell houses for $1 to housing agencies and nonprofit entities, but not to private individuals or businesses. Investors can purchase HUD homes. There is a priority period when a HUD home is available for buyers that will occupy the house, but after the period has passed, the residence is opened for investors, in accordance with HUD.

See related