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[P81]Parts Of A Home
by Vicki Duong, Vic
When you're out looking to buy a rug for your home, there's probably a good chance where you'd like to place it. While most people generally would lay their rug in the main living area of the home, not too many people realize that they're not limited to just one area of the home. Depending on the type of rug and perhaps even the material, you can use a rug in just about any part of the home.

As decorative accents rugs serve a beneficial purpose in that they protect hardwood, linoleum and carpeted floors from regular wear from foot traffic or rolling chairs, and help keep the warm air within your home during the winter months. Albeit that having a large area rug in the center of your living room is a good idea, it's also not a bad idea to look at other parts of your home, such as those areas that have bare floors. Popular spots around the home that can always use a rug include the hallways, dining rooms and even the bedroom.

If you're thinking of putting a rug along the floors of your hallway, I suggest you start looking at rug runners. Rug runners are usually longer in length and slimmer in width, perfect for lying atop hallway floors. They're even ideal for stairs, which will definitely provide traction, preventing any falls from the stairs.

Adding a large rug in your dining room is a great way to complete that warm and inviting atmosphere to your familial setting. Having one beneath your dining set is especially beneficial since it'll protect your floor from any unwanted scuffs that can occur when pushing the chairs in and out from the table. Additionally, it'll also protect your floor if any food or drink spills happen.

Nobody likes to wake up to a cold floor, and having a rug either underneath your bed or by your bedside will easily prevent that from happening. Letting your bed sit upon a large area rug will compliment the overall size of the bed and room, a design element that anyone can benefit from. If having one next to your bedside is more your style, be sure to choose one that has good grips along the underside of it so that you won't slip as you groggily get up and get ready for your day.

Remember to choose a style of rug that will complement the look and feel of your home. There's nothing worse than choosing a rug that will completely throw off your décor. Rugs are decorative accent pieces; they're meant to help dress up the look of your home which is always a benefit.


Let's start with the basic parts of a mortgage. Understanding these three elements will help you determine your financial comfort zone, because when combined these elements will determine your monthly payment.

Also, if you use an online mortgage calculator, these are the three elements they will ask for.

The Primary Parts of a Mortgage Loan:

1. Size of the loan

2. Interest rate on the loan

3. Term (or length) of the loan

Size of the Mortgage Loan:

This one is fairly obvious. How much will you borrow? The size of your loan will primarily depend on your budget, your credit, and how much of a down payment you can afford.

Interest Rate:

The interest rate is the amount of interest charged on a monthly mortgage payment. It is a percentage of the principal loan amount. To find the current interest rates, you can start by visiting Bankrate.com or Interest.com.

Term / Length of the Loan:

Just like there are many types of mortgage loans, there are also a lot of mortgage terms (or lengths). The 30-year fixed-rate mortgage is one of the most common terms. "Fixed rate" means that the interest rate you get upon loan approval is the interest rate you maintain for the life of the loan.

Fixed-rate mortgages also come in the 15-year variety, but you'll generally pay a lower interest rate with the 30-year option.

Variable or adjustable rate mortgages offer shorter initial terms, sometimes as low as three or five years. With these types of loans, you would generally refinance or sell before the initial term expired.

Understanding the primary parts of a mortgage will help you plan financially for the home buying process. But don't stop with this lesson. Build on the knowledge you've gained here by learning about the various types of mortgage, how to interpret your credit score, and other mortgage-related topics.

The more you know, the better your home buying experience will be.

* Copyright 2006, Brandon Cornett.

Article Source : Accredited Interior Design Schools

About Author
Both Vicki Duong & Brandon Cornett are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Vicki Duong has sinced written about articles on various topics from Interior Design, Home Management and Home Improvement. For a lovely collection of wool rugs and area rugs, check out GCRugs.com. . Vicki Duong's top article generates over 22200 views. to your Favourites.

Brandon Cornett has sinced written about articles on various topics from Realestate Marketing, Home Buyers Guide and Real Estate. . Brandon Cornett's top article generates over 4400 views. to your Favourites.
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