33 Winter Decor Items That’ll Keep Your Home Cozy and Bright Long After Christmas – POPSUGAR

One of the best parts of the holidays is the decorations. From Christmas trees to garland to twinkly lights to gingerbread houses, turning your home into a festive wonderland is a big part of what makes the season so special and cozy. But once the holidays are over, taking everything down can be really . . . sad. Your home looks bare and there aren’t any seasonal touches to bring a smile to your face. But just because the holiday season is over doesn’t mean you can’t still decorate to fit the current season! To help you transition from holiday to winter-themed decor, we’ve rounded up a list of cozy, rustic, and cheerful items that will fill your home with comfort and joy. From cinnamon spice candles to frosted vases, you’ll look forward to busting out your winter-themed decor every January for the chilly months ahead.

Source: popsugar.com

Home Decor Projects for When You’re Snowed In

Sometimes it’s hard to see the upside of harsh winter weather, especially when snow storms leave you stuck inside. However, you can take advantage of a snow day by using the opportunity to improve your home decor. Here are some simple DIY projects for when you’re snowed in. Ask your children to help out (safely) for family fun time that may add a bit of luxury to your living space.

Decorative Lampshade
Add some pizzazz to a lampshade by gluing an inlaid paper cutout on its inner surface. Use a blade to cut a design from paper (either freehand or from a template), making sure to place a rubber mat down first to protect the surface underneath. With a mixture of 50% glue and 50% water, decoupage the paper cutout inside of the lampshade. Once it’s dry, turn the lamp on and admire the glowing design!

Fabric Wall Art
If you have some bold print fabric, use it to create art that pops. All you’ll need to buy are wooden frames of varying sizes and a hot glue gun. Cut the fabric wide enough so that there will be two inches leftover when stretched across a frame. Cover, glue, and voila! Create a gallery wall to display your new pieces.

Hanging Planters
If you have small planters in your indoor garden, consider hanging them for a fun look that will free up surface space. Simply drill two small holes close to the top edge of the planter. Make sure they’re exactly opposite from one another. Knot a thin but sturdy rope or twine inside each of the holes so you can hang them from a hook. Tip: Install the hook near a window so your plant can still get the sunlight it needs.

Memory Table
Memory tables are a great way to personalize your home. You’ll need a deep photo display and a similar sized coffee table. Using a strong wood glue, adhere the back of the photo display to the table. You can now place objects in the display to create a sentimental scene. Try using objects that are cohesive, such as trinkets and photos from a memorable family trip. You may want to glue the objects in place so they are not disturbed when the table is moved.

If you keep one (or more) of these projects in mind for your next snow day, getting snowed in might not seem so bad!

Source: century21.com

What Does a Real Estate Attorney Do?

If you’re planning to buy or sell a house or a rental investment property, you might consider hiring a real estate attorney.

A real estate lawyer can provide legal protection. They can help you navigate the home-buying process, which can be complex.

In fact, many states require a real estate lawyer to be present at closing. 

Even if you live in a state that doesn’t require you to have a real estate attorney, it’s important to have one by your side.

But it’s also important to know who you’re dealing with, what they can do for you, and what’s in it for them.

Real estate attorneys can help structure transactions and closing. They will review documents well in advance before the closing to make sure there are no errors.

Real estate lawyers, however, can only represent one of the parties. The buyer and the seller’s interests can often be in conflict. Therefore, the attorney should never represent both parties. 

Besides representing you in sales transactions, real estate attorneys can represent you in a courtroom as well.

During the home-buying process, disputes between the buyer and the seller may arise that will have to settle in court.

The real estate attorney’s qualifications

A real estate attorney, just as any lawyer, has attended 3 years of law school. In law school, they take courses in law in general, including real property and other real estate classes.

During law school, they may do internships at law firms which specialize in real estate law.

Once they graduate law school, they take to bar exam in the state they want to practice in.

Once they become licensed to practice, they can work in a law firm specializing in real estate law.

The real estate lawyer’s fees

A real estate attorney can charge by the hour or a fixed fee. How much their charge for their services depends on their reputation, their level experience, the level of complexity.

Regardless of the fee, your attorney will discuss it with you. Their hourly fee is typically between $150 to $350.

They’ll draft a retainer agreement and make the necessary disclosures before you can retain them.

The attorney’s role in real estate transaction

Real estate attorneys can have many roles. Their roles will vary depending on whether it is a simple transaction or a complex one, and whether a real estate broker is involved.

In some cases, a real estate broker can handle many aspects of real estate transactions. If that case, the real estate attorney’s role is often limited.

In other instances, the real estate lawyer plays a crucial role in all phases of the real estate transaction.

Nonetheless, a real estate attorney’s roles include acting as a legal counselor, negotiator, advisor and coordinator.

Real estate attorney as a legal counselor

A real estate attorney acting as a legal counselor can handle drafting the proposed contract. If there is a broker involved, the broker will prepare the contract.

But, your attorney will review it for any proposed changes. Your lawyer can also draft the deed and examine title documents.

If you retain a real estate agent or broker, your attorney may also review the broker’s agreement before you sign it.

Real estate attorney as a negotiator

If you hire a real estate lawyer before you sign a contract or before engaging in any contract negotiations, your attorney will assume that role. All communications from the other party or his or her attorney will be directed to your lawyer.

Your attorney will negotiate proposed changes to the contract, including the price of the house. They will review any mortgage contingency clauses.

In addition, your real estate attorney can negotiate the following matters:

  • Personal property to be included;
  • Repairs before closing;
  • The closing date;
  • You may not get a mortgage commitment within the stipulated date in the contract. So, your attorney may negotiate an extension of time to obtain the mortgage;
  • You may need an early possession of the house. Your lawyer can negotiate that.

Real estate attorney as an advisor

You, as a client, may not need strict legal advice. You may just want your lawyer to be present for general advice. If you’re a first time home buyer or an elderly buyer, your attorney can also act as an advisor.

Real estate attorney as a coordinator

Your attorney can also act as your coordinator. Residential closings involve a lot of steps. And not everyone involved will follow them.

So, one of your real estate lawyer’s role is to contact the brokers, the title insurers, the mortgagees. They will also monitor the progress of obtaining financing, title policy, etc.

They will also contact the other attorney to make sure all parties are ready for the closing.

Your attorney’s responsibilities before closing

If you hire a real estate lawyer to represent you either as a seller or buyer, his or her responsibility before closing include the following:

  • Make sure you, as a buyer or seller, can fulfill the requirements imposed by the real estate sale contract
  • Review the title insurance;
  • Check the mortgage commitment;
  • Monitor status of the contract contingencies;
  • Examine closing documents for accuracy;
  • Coordinate closing date and time with the mortgage lender, seller and buyer’s broker;
  • If buyers will not attend the closing, obtain power of attorney for property to cover documents to be signed at closing;
  • Get wire instructions for payment of balance due at closing

In case a dispute arises between the parties, the real estate attorney can represent you in court.

Issues that might arise include damages and earnest money forfeiture, specific performance, misrepresentation, etc.

Do I need a real estate attorney?

Some states require a real estate attorney to be present during closing. They include Massachusetts, Maine, Alabama, Connecticut, Delaware, Georgia, Florida, Kansas, Kentucky, Virginia, West Virginia, South Carolina, Rhode Island, Pennsylvania, New York, North Dakota, Mississippi, New Hampshire, and New Jersey.

If you don’t live in any of these states and the District of Columbia, it’s really up to you if you want to hire a real estate attorney. If you’re just trying to save money and can barely afford to buy a house, you’re probably don’t need a real estate lawyer.

But if your real estate transaction is complex, a good real estate attorney can be an asset.

The bottom line…

Some states do not require you to have a real estate attorney during closing. However, it’s worth the cost hiring one especially if you’re buying a house in foreclosure.

Work With A Financial Advisor Near You

If you have questions beyond hiring a real estate attorney, you can talk to a financial advisor who can review your finances and help you reach your goals. Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goalsget started now.

Source: growthrapidly.com

GSCU Mortgage Rates Reviews: Today’s Best Analysis

Reader Interactions

Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur.