Article Presented by:
Susy Matthews
Have you ever thought about having a themed room in your home? Egyptian theme decor can provide you with a talking point for the whole neighborhood. If you have never given thought to a themed room just consider this for a few moments. Are you happy with your guest room? With the way it is decorated and the image of you that it projects?
Whether you know it or not, your guests' view of you is very much influenced by your guest room; the room you invite them to when you have them round for coffee or supper. If that's boring they will think you are too. Not that that should bother you, because they all probably have the same old boring guest room and think exactly the same about each other.
Why not do something about it? Don't you want your room to inspire comment? Don't you want people to find your guest room interesting, with so many conversation pieces that you will never run out of something to talk about? Surely you want somebody to notice your room, rather than just enter it and take it for granted like all the other boring old rooms they enter.
It's unlikely that you have considered Egyptian theme décor for your home, but why not give it a try. Liven it up and give them something to talk about. Forget Roman and Greek: they are either boring or a bit lascivious, but Egyptian is magical and mysterious. What with their animal gods and secret tombs, not to mention the mummies and the curses, and the pharaoh's tombs.
Get your guest room livened up. Throw some Egyptian tapestries over the floor and hang a couple on the wall. Get an Egyptian table as a centerpiece and you have started. Envisage the scene as your visitor enters your front door, and you lead them to your lounge. You throw open the door and right in front of them is a life-sized statue of the jackal headed god of the dead, Anubis.
The walls are hung will plaques displaying old hieroglyphs and portrayals of Tutankhamen with his child bride. Your sofa is upholstered in gold brocade piped with the deep blue braid of the Egyptian royal household. They sit and stare at the beautiful blue and black lapis lazuli and obsidian traditional ornaments and carvings, and the ornamental canopic jars.
They sit open-mouthed as you explain the history behind each one, and point out the blue scarab beetle topped boxes, and relate the stories behind the sacred scarabs and how they are purported to protect the dead on their journey to the afterlife. It doesn't take much; just a few artifacts and a bit of home work, and you will be the talk of the town.
If you take time to learn just a little bit about the Egyptian people and their customs, you will be able to sound informative as you explain the ritual and mythology behind all of your pieces. This will have two uses: you will find out a lot about ancient Egypt yourself, and you will be able to impress your guests with your new found knowledge. This will make you the most popular hostess on the circuit and they won't be able to wait until your turn comes round again.
You need not get everything at once. In fact if you add to your theme slowly over a period of time, you will have fresh material to talk about every time. There are lots of Egyptian themed items that you can buy and your conversation pieces will be limitless. You can purchase genuine Egyptian antiques and reproductions. Incense burners are inexpensive, and though ancient Egyptian mirrors are unobtainable, there are many reproductions on the market at reasonable prices. After all, it is the look that matters, not the authenticity.
If you want your invitations to be the most prized in town, and your home to be the most visited, bite the bullet and take the first step towards using Egyptian theme décor to turn your lounge into a guest room with a difference.
About the Author:
Written by: Susy Matthews
Home Accents Galleria is always adding exciting home decor items from five Continents. Come see what's new from Ancient Egypt, Out of Africa, American Indian Tribes, the Jungles of Indonesia, and the Land of the Incas. From Komodo Dragons to Ancient Egyptian Gods, you will find a great conversation accent. http://www.homeaccentsgalleria.com
3.07.2007
Mortgage Arrears And Repossession Guide -- How To Prevent Repossession
Article Presented by:
James Copper
People in today's society will have differing attitudes to debt and debt repayment. There will always be those individual's who take a very relaxed attitude to debt and debt repayment, however the vast majority will take the matter very seriously and in the case of property ownership, they will take any realistic action to make their mortgage repayments on time.
With the recent rises in the interest rates many people are going to struggle to keep up with their repayments. Individuals fall into arrears on their mortgage for many different reasons; accident or sickness, redundancy or unemployment, death of a spouse, insolvency or hikes in mortgage interest rates to name just a few. The most common reason for property repossession in current times can be attributed to general high levels of consumer debt. This comes in two forms, secured and unsecured debt. Whether this is due to the borrower making payments on their unsecured debts in priority over their mortgage or a level of mortgage borrowing taken out which their income cannot afford.
But how can a few missed payments on the mortgage lead to property repossession? Very rarely will a property be repossessed over an isolated incident of a couple of missed payments. The advice given to borrowers who fall behind on their mortgage repayments is to contact their lender at the earliest possible opportunity. Speedy action on the part of the borrower can often reduce the potential arrears and put them on the road to recovery. Delaying action is likely to result in increased mortgage arrears and ultimately could lead to property repossession.
Stage 1: Lender chases for missed payments.
Initially your lender(s) will contact you in writing or by telephone to chase for missed payments. Make sure you speak to your lender, and let them know what is going on, keep notes of conversations and get details of any new agreements you reach.
Stage 2: Lenders solicitor contacts you.
If the arrears remain unpaid for a few months or more, your lender will refer your case to their solicitors to deal with.
You will need to talk to the solicitors and try and come to some arrangement, remember to get everything in writing from them.
Stage 3: Repossession Proceedings
Generally after around 4 - 8 months or more of mortgage arrears, the lenders solicitors will issue Repossession Proceedings with the County Court. Once the court has received this instruction, a hearing date will be set.
If this happens, you must complete and return the Court summons. Complete the reply form received from the Court stating your intentions e.g. that you wish to remain at the property. Include as much detail as possible about your income and outgoings as the court will require evidence that you can meet the current monthly installment and an amount towards the arrears.
Contact your lender and offer to pay the full regular monthly payment for the month together with a contribution towards the arrears. They may agree to suspended proceedings on receipt of these payments, provided they are received before the hearing date.
Make sure you attend the hearing. If you do not attend, the court has almost no alternative but to order possession against you.
Offer to pay the current installment. If the court is satisfied that you can maintain the repayments, the Judge will grant a Suspended Order for Possession enabling you to stay in your home.
Stage 4: Court Order
If you wish to remain in your home make an offer to pay the current regular monthly payment together with an contribution towards the arrears. If the judge believes you can maintain this then a Suspended Possession Order will be granted enabling you to stay in your home.
There are a number of possible outcomes at the hearing, depending on your situation and circumstances of the case:Case dismissed. This means the repossession has been stopped (i.e. the mortgage arrears have been paid off). Case adjourned. If for some reason the hearing cannot proceed then a new hearing date will be set. Suspended Possession Order. This means that if the current regular monthly payment is made, together with an agreed amount towards the arrears each month the possession order is suspended. If however you default on the agreed terms of payment, the lender has the right to seek possession by Eviction or Possession Warrant without a further hearing. So make sure you keep up the repayments. Possession Order. This is where your lender has been granted the right to possession of the property. This outcome is common where the judge has seen no attempt by you to make contact with the lender, the lenders solicitor or the courts, or where the judge deals that you simply cannot afford to meet regular payments or make a reasonable contribution to paying off the arrears.
Stage 5: Possession Warrant or Eviction Notice
If you have defaulted on a Suspended Possession Order or are still in your property after your Possession Order date, the lender will apply to the court for formal eviction. You will receive a letter from the court showing the exact date and time by which you must have left the property. This is often 7 to 14 days from date that the eviction notice is granted.
At the notified date and time, a court bailiff, representative of the lender and a locksmith will arrive at your property to formally take back control and possession of the property. You will have 10 minutes to collect your belongings and leave. Generally, after 10 minutes the locks will be changed and you will be allowed one further visit to collect any remaining belongings after approximately 2 weeks.
It does not matter if you are elderly, sick or have a young family the bailiffs will still take your property.
The Options You Have.
There are a number of things you can do in order to save your property, these are. Negotiate revised terms. Pay the arrears off in full. Remortgage and switch lenders. Sell your property. Sell your property and rent it back.
The main thing to remember when being faced with repossession is not to bury your head in the sand, but face up to your situation and take action, answer your phone, read the letters from the lender, contact the lender, etc. You can rectify the problem but you do need to act quickly. Generally a bad credit remortgage will be the best way to stop the repossession, providing you have enough equity in the house.
About the Author:
James Copper enjoys writing on all areas of personal finance. He is a Loans Broker for http://www.any-loans.co.uk
James Copper
People in today's society will have differing attitudes to debt and debt repayment. There will always be those individual's who take a very relaxed attitude to debt and debt repayment, however the vast majority will take the matter very seriously and in the case of property ownership, they will take any realistic action to make their mortgage repayments on time.
With the recent rises in the interest rates many people are going to struggle to keep up with their repayments. Individuals fall into arrears on their mortgage for many different reasons; accident or sickness, redundancy or unemployment, death of a spouse, insolvency or hikes in mortgage interest rates to name just a few. The most common reason for property repossession in current times can be attributed to general high levels of consumer debt. This comes in two forms, secured and unsecured debt. Whether this is due to the borrower making payments on their unsecured debts in priority over their mortgage or a level of mortgage borrowing taken out which their income cannot afford.
But how can a few missed payments on the mortgage lead to property repossession? Very rarely will a property be repossessed over an isolated incident of a couple of missed payments. The advice given to borrowers who fall behind on their mortgage repayments is to contact their lender at the earliest possible opportunity. Speedy action on the part of the borrower can often reduce the potential arrears and put them on the road to recovery. Delaying action is likely to result in increased mortgage arrears and ultimately could lead to property repossession.
Stage 1: Lender chases for missed payments.
Initially your lender(s) will contact you in writing or by telephone to chase for missed payments. Make sure you speak to your lender, and let them know what is going on, keep notes of conversations and get details of any new agreements you reach.
Stage 2: Lenders solicitor contacts you.
If the arrears remain unpaid for a few months or more, your lender will refer your case to their solicitors to deal with.
You will need to talk to the solicitors and try and come to some arrangement, remember to get everything in writing from them.
Stage 3: Repossession Proceedings
Generally after around 4 - 8 months or more of mortgage arrears, the lenders solicitors will issue Repossession Proceedings with the County Court. Once the court has received this instruction, a hearing date will be set.
If this happens, you must complete and return the Court summons. Complete the reply form received from the Court stating your intentions e.g. that you wish to remain at the property. Include as much detail as possible about your income and outgoings as the court will require evidence that you can meet the current monthly installment and an amount towards the arrears.
Contact your lender and offer to pay the full regular monthly payment for the month together with a contribution towards the arrears. They may agree to suspended proceedings on receipt of these payments, provided they are received before the hearing date.
Make sure you attend the hearing. If you do not attend, the court has almost no alternative but to order possession against you.
Offer to pay the current installment. If the court is satisfied that you can maintain the repayments, the Judge will grant a Suspended Order for Possession enabling you to stay in your home.
Stage 4: Court Order
If you wish to remain in your home make an offer to pay the current regular monthly payment together with an contribution towards the arrears. If the judge believes you can maintain this then a Suspended Possession Order will be granted enabling you to stay in your home.
There are a number of possible outcomes at the hearing, depending on your situation and circumstances of the case:
Stage 5: Possession Warrant or Eviction Notice
If you have defaulted on a Suspended Possession Order or are still in your property after your Possession Order date, the lender will apply to the court for formal eviction. You will receive a letter from the court showing the exact date and time by which you must have left the property. This is often 7 to 14 days from date that the eviction notice is granted.
At the notified date and time, a court bailiff, representative of the lender and a locksmith will arrive at your property to formally take back control and possession of the property. You will have 10 minutes to collect your belongings and leave. Generally, after 10 minutes the locks will be changed and you will be allowed one further visit to collect any remaining belongings after approximately 2 weeks.
It does not matter if you are elderly, sick or have a young family the bailiffs will still take your property.
The Options You Have.
There are a number of things you can do in order to save your property, these are.
The main thing to remember when being faced with repossession is not to bury your head in the sand, but face up to your situation and take action, answer your phone, read the letters from the lender, contact the lender, etc. You can rectify the problem but you do need to act quickly. Generally a bad credit remortgage will be the best way to stop the repossession, providing you have enough equity in the house.
About the Author:
James Copper enjoys writing on all areas of personal finance. He is a Loans Broker for http://www.any-loans.co.uk
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