The Process and Benefits of Buying High Quality Custom and Designer Furniture Posted On : Aug-11-2011 | seen (125) times | Article Word Count : 434 |
Before furniture came off an assembly line Raekwon McMillan Youth Jersey , skilled wood workers, welders and dedicated artisans meticulously built furniture by hand. In today鈥檚 society everything on the shelves including furniture is mass produced by constructed by machines. Before furniture came off an assembly line, skilled wood workers, welders and dedicated artisans meticulously built furniture by hand. In today鈥檚 society everything on the shelves including furniture is mass produced by constructed by machines. The truth is materials used today are just cheap substitutes that will almost always break down over time. While the piece may look good for the few couple years,it will eventually fall apart. Believe it or not, there was time in history when furniture pieces were proudly passed down to the next generation. It was theornate and finely constructed furniture that appreciated in value Jason Sanders Youth Jersey , not the inexpensively made brands found in the big box stores.
Most people think they have to settle for lesser quality furniture, but that鈥檚 just not the case. There are still artisans and custom furniture companies out there that offer exquisite craftsmanship and produce beautiful original pieces that will last and gain value over time. The custom furniture process begins with locating a reputable and skilled furniture companies. Search online for local companies and ask friends and family if they know of anyone. As with most referrals, you get better quality service when you are referred by someone. During the initial consultation, you will discuss various methods of furniture creation including veneering, inlay, marquetry Jerome Baker Youth Jersey , carving, wood turning, and metal casting. Along with tools and skill sets, custom furniture builders have access to a large variety of luxurious woods, including Brazilian rosewood, Spanish Cedar Mike Gesicki Youth Jersey , Honduras Mahogany, and English Yew Wood. Available resources and advance equipment allows them to produce furniture much more structurally sound and elegant than anything you would see in big box retail ing out pictures and images in magazines will help inspire and creativity during your initial consultation with the company. Your imagination is the limit when it comes to designing that special piece. If you are enthusiast of elaborate Old World dining seating, or a 13th century French cabinet with flower embroidery, anything is possible. Once a design concept is agreed upon, the artists will begin the concept drawings. This generally takes a couple of weeks and once completed they are. Material cost of a custom piece of furniture is typically a small percentage of the cost. While the cost of custom furniture is significantly higher than retail store furniture, it has lasting benefits that generic pieces do not. Once the product is complete Kenny Stills Youth Jersey , it will be delivered and carefully introduced into your designated environment. By designing and crafting a one of a kind object, you will have something that will increase its value, and not the other way around.
Uncle Sam has a gift for the men and women who serve our country. It is the VA loan. The VA loan, short for Department of Veterans Affairs home loans, is available to veterans, active service members Cameron Wake Youth Jersey , reservists, and members of the Public Health Service. These loans are so popular, that in the past fiscal year alone, Uncle Sam has guaranteed 300,000 VA loans totaling more than $38 billion.
Why are these loans considered a gift to our servicemen and women? Because VA loans require no down payment and are available from most lenders. Additionally, the government limits the amount of closing costs Reshad Jones Youth Jersey , origination fees, and appraisal fees. Because VA loan rates generally run the same as conventional rates, skipping the down payment is a big advantage. Not surprisingly, about 91 percent of VA buyers do just that.
Best of all, there is no private mortgage insurance (PMI) because the government prohibits lenders from requiring it. Not having PMI is a considerable cash savings for a borrower. For example, on a $126 Michael Deiter Youth Jersey ,000 loan, PMI would run approximately $40 to $64 a month for the first three to five years of a 30-year loan. The total savings? $1,440 to $3,840.
However, there is a downside:
* FUNDING FEES - In 1982 Congress levied a one-time funding fee on VA loans. And these fees can range anywhere from 1 14 percent to 3 percent, depending on the veteran's service and whether it's a first or subsequent loan. Although the VA will lower the fee if the borrower makes a down payment of at least 5 percent Christian Wilkins Youth Jersey , and a buyer can finance the fee along with the home, there is a hidden cost. For example, on a $126,000 mortgage, a 2-percent fee can bloom into $14,474 over the 30-year life of a 6-percent loan.
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