How to find the best home loan calculator app on Samsung Galaxy S3?

Q. How to find the best home loan calculator app on Samsung Galaxy S3? i need a loan calculator app, but i can't find the one i really want! so can anyone show me the best loan calculator app for Galaxy S3?

A. Well, i heard a good home loan calculator app called Quicken, you can try that.

How much debt is too much when you want to apply for a home loan?

Q. I would like to apply for a home loan, but I have some credit card debt. I have good credit - never missed a payment, never been late, etc. I just don't know if having credit card debt will cause me to be declined.

A. The bank will add in your credit card dept along with any other loans or debts and will assess it against your income and the amount of your home loan will be estimated taking into account your ability to pay.

A bank will usually take the total amount of your credit card limit as your debt, not how much you've used of it. So, if you have a card limit of $30,000 but have only used up $1000 of it the bank will see it that your debt is $30,000, not the $1000. That's the downside. Banks won't usually decline you for a home loan just because you have a c/card. They work on your ability to pay your loan.

If possible, try and pay off your card and destroy it! Have a debit card instead, then you only have access to money that you have, not money that you don't have!

How does applying for a Home Loan Affect your credit score?

Q. I want to apply for Home Loan and see how much we qualify for. My question is that if we do not like the number and want to wait how will it affect our credit score if we decide to wait and save for a bigger down payment. I want to avail the $8000.00 tax credit. Does anybody know if it is an ongoing thing or it is only for the year 2009.

A. no not unless you apply for a home loan at several places. if too many lenders are pulling credit in a short period of time it can have an impact upon score.

But one or 2 every quarter is no big deal.

$8,000 tax credit right now is only good for purchased up thru 11/30/2009. There is no law yet that extends it past that.

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Accent color with burgandy curtains?

Q. Living room, burgundy curtains, light light hardwood floor, walls white, wall opposite curtains to be painted accent color. Furniture is currently blue but will soon be leather black or dark dark brown. Any idea's for colors for that one wall?

A. Gold. You could really go with a tuscan theme with the burgundy curtains and black furniture.

I need color ideas for my living room?

Q. My furniture is a cream color that is just a tone or two darker than my carpet and I have black accent furniture. I have been working on my house one room at a time, and I am stumped for ideas for the living room. New flooring or furniture is totally out of the question, so I am trying to get ideas for paint colors that would make the room look a little less washed out... any ideas?

A. Nice thought here and i was aware same situation just few days ago but when i visit sofasandsection.com , then my problem is solve because there is so many attractive design of living room furniture and wonderful transformation of your house.i hope you will be get few design as you wish.Thanks

Sophisticated color pallete for a teenage girl?

Q. I'm moving into a new house soon, so i have the opportunity to paint my room. I'm looking for a color pallete that's more sophisticated and adult-looking. I might do two different colors or paint in an accent wall. I want it to look like a teenage girls room, just more mature. Any ideas on wall colors, accents, furniture colors (im also getting new furniture) or how i should do my room? Thank you.

A. black,white and silver
the parisian look
french white furniture
shabby chic look
green,pinks and whites
florals
damask
good luck

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need to find out how to wire a transformer and outdoor lighting?step by step?

Q. i installed outdoor lighting and im not sure if my wiring is right because i get a huge voltage drop. someone keeps telling me to loop the wiring and im not too sure what they are talking about. if someone can h thank you

A. Looping the wiring means connect both ends of the wiring together....ex: you have a 20ft wire....you connect one end to the transformer and tape up the other end,or bury it etc. so instead of tape it or burying it run the end back to the transformer so you have a "loop" or closed circuit. However if the lights keep cycling on and off it means that the transformer is overloaded. a quick fix is basically just add 1 or 2 more lights to lower the voltage going back into the transformer.

How to replace one of the three regular outdoor lights for motion sensing light?

Q. I have three outdoor lights operated by one switch and I'd like one of them to replace with motion sensing light. I do not want the rest two lights to be ON all night, i just want one light to bi sensor operated over the night. And again, all three are on the same switch. How do i do this?

A. Well.........since all 3 are currently on a switched system (all the same) then you need to rewire the one you want to be "constant" as not to be on the same switch control.


You first need to determine if the wiring goes directly to the switch or to a basement/attic junction box.

If you can locate the wiring that goes out to the one you want seperate, you are halfway home. Now you need a voltage meter for the next part as you need to find a 115vac that is not on the load side of that switch. If all 3 go to the switch box, its as simple as removing the one you want constant from the wire nut (or however all 3 were tied together) and instead place it on the line side of that switch instead (the other side of the screw.

If they do not go to the switch, but instead to a junction box,....then its the same process as in the switch box except you dont add it to the line side of a switch but merely wire nut it to the constant hot (which can be determined by measuring the voltage with the switch off and the one that still reads 110~120vac is your "constant"). If none give a reading with the switch off then you only have the switchlegs in that junction and you will need to run a new wire to get the constant 115vac. Difficulty varies but this is a job best suited for an electrician.

If this seems foreign to you then DO NOT DO IT YOURSELF as it is something that should be done by someone with electrical understanding.

Does anyone know where I can buy an outdoor lighting fixture?

Q. I want to replace my outdoor wall-mounted light by my front door. The one I have now also has an outlet on it. I find this very handy to plug in my weed whacker, etc. I can't seem to find an outdoor light that comes with the outlet. Have they been discontinued?
Thanks HVAC, I did check in those stores. I guess they don't make them anymore.

A. I have not seen one in a long time. Check at Lowes? home depot? Another thing you could do is when the light is replaced have an outlet wired into the light circuit in the wall, it should not be very difficult for an electrician

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Want to completely remodel kitchen. How best to start? Where to go first?

Q. Is it ok just to ask cabinet company people to just come out and give me estimates? How do I know if I am getting an accurate estimate? How many estimates should I request? How much information do I need to give the estimator? I am concerned about "offending" companies by asking them give me estimates then not following through with the work. We are planning a complete kitchen remodel, floor, cabinets, fixtures appliances. Where should we start to get the best estimate?

A. I used to design kitchens. This is the best advice I can give you:

Establish a budget for your work BEFORE you start. If you have $10,000 or $100,000 to spend, know that amount and work with it. Being unsure of your total possible expenditure is the fastest way to get ignored by designers and contractors. A kitchen is not a cheap room re-do.

Investigate what you like and what you want your room to look like in advance. Designers need parameters to work with. No one knows your tastes and desires bettter than you. Having any less than an idea of what you want to project to be like finished is a sure way to be disappointed in the outcome.

Know the scope of the work you want to do. new cabinets? countertops? Flooring, wallcovering, lighting, appliances, etc?? do you need to upgrade your plumbing, wiring, ventilation? These and many other questions should be answered first. If your budget doesn't allow for any of these items, you may have to set your sights lower.

Hire a designer.. a kitchen designer. This is someone that you PAY to handle drawings and design. a qualified designer will help you answer all of these questions and give you a good idea if your budget is close to adequate. Expect to pay this person and be sure that you are comfortable with them. In many cases, the designer will credit their fees if you buy the project from them. Hire a CKD if you can (Certified Kitchen Designer)

With drawings and specs in hand, you can look at different types of products and talk intelligently to prospective contractors to handle your work. You will be working on an even plane with all parties involved since there is one set of parameters with which to work.

A kitchen renovation is a BIG project and can be a lot of fun, but there are also heartaches involved. It takes time, can be messy and you will be eating a lot of meals out. Expect the project to take a little time and be patient.

A new kitchen will make life much better in the long run and will increase your home's value. It's a good investment.

Remodeling a kitchen - how long did it take, how much did it cost?

Q. My husband and I want to remodel our kitchen and would like to plan for the time and costs. How long did your kitchen remodel take and were there unexpected expenses you hadn't counted for that came up? Were you happy with the outcome of the kitchen based on what you spent?

A. It took 3 months..... we did it ourselves and it cost 27,000$ Canadian....

Unexpected expenses: wiring that was no longer any good, having to buy more tiles, redoing the floor base to make it smooth for the new tiles (because pulling up the old ones ruined the floor underneath) and having to make a new countertop instead of just being able to relaminate the old one (the wood underneath the old laminate was rotting).

Yes... very happy with the outcome! We have just sold the house... paid it 133 500.00$ just over 5 years ago.... just sold it for 279 500.00$... I'd say that definitely covers the cost of the kitchen renovation!

Would white appliances go with dark kitchen cabinets (cherry color) and mahogany flooring?

Q. Kitchen remodel

A. Stainless steel is the best...i sell alot of those at work and when you try to sell your home it would sell faster because of the finish of your appliances.

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How to choose home security cameras?

Q. I live in a town that many burglaries have happened lately. I would like to install home security cameras in my house. Does any of you know where I can find some information about this issue?
I'd appreciate any help.
Thank you.

A. Hi,

I had the same problem in my area and was looking for some information about home security cameras. I found a great website which gives tons of information about various types of home security cameras and helped me a lot to buy what I was really needed. The website is http://homesecuritycamerasinfo.com/. This website will give you all the information you need and will help you to find the home security system that you need.

What home security system should we get?

Q. My wife and I are thinking about getting a home security system. We live in the Los Angeles area. Any thoughts or suggestions?

A. This is a pretty general question and is really influenced by what your looking for. Security systems range from the ghetto ones you install yourself that just make noise, to really high tech equipment. Most people tend to settle for a home security system that is sold by a dealer that is installed by a trained technician, and is actively monitored by a company and can link up with the police. I'm not sure which dealers would be selling around there if any, but a little research should be able to tell you that much. After that it's just a matter of finding out how much you want to pay, because the standard monthly monitoring rate varies from about $35 to $49.99. Typically two-way systems which communicate trough the landline are cheapest, while cell primary systems which communicate through a cell unit attached to the system cost more. Don't get fooled into paying any activation fee's though, and fight to get at least 6 points of equipment. Motion sensors, glassbreak sensors, and smokes are worth 2 each, while door/window sensors, and keyfobs are worth 1. That way the sales rep won't be ripping you off. Just be sure to READ the contract they'll make you sign, because they won't tell you the whole truth.

How to change home security system battery?

Q. We have a low batter signal on our home security system, and we can't figure out how to change the battery and the "headquarters" are closed so we can't reach anybody tonight. Does anyone know how to do it?

A. Locate the battery compartment on your home security system. Most of the time it is located under the keypad cover.

Step 2Use a flat-head screwdriver to gently pry off any covers over the battery compartment, if necessary.

Step 3Determine which size of batteries your system uses by looking at the old batteries in the compartment, or by checking the instruction manual that came with the system. Also notice the position the batteries are in. Get the size of battery you need.

Step 4Check to see if the old batteries have leaked into the battery compartment. Use caution when removing them and cleaning the compartment.

Step 5Once the old batteries have been removed, immediately discard them so that you wonât mistakenly put them back in the compartment.

Step 6Install the new batteries, making sure you put them in properly.

Step 7Run the battery check test, following the instructions in the manual for the system.

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How to make my bedrrom more like a teen bedroom!?

Q. Hi everyone! So im 14 and I want to make my room alot more like a teen bedroom, but i dont mean like posters of bands and all that stuff, i want like bright colors and cool stuff like that, somewhere where me and my friends can just hang out, right now my room is soo broing, the walls are a light pale purple white yellowish-white carpet and white furniture and my bed doesnt have a headboard, it has one of those white net-canopy things, I;v tried re arranging the furniture and everythign but it still doesnt work. Is there any way I could make a huge difference without having to paint the walls or buy a bunch of new stuff, I can buy some new stuff just not paint and new bed sets and stuff. Anyway, any help would be appreciated, Thanks! And by the way if anybody knows any sites with good tips for teen bedrooms that would help alot too! Thanks!By the way, my room isnt very big and the furniture is pretty outdated.

A. Don't worry, Mine is the same way...only i'm redoing everything.
Why can't you paint it? New paint is one of the best ways to make a room cool-looking.
I'll share what i'm doing, and you can take any ideas that could work for you :)
I'm painting my walls, three grey ones and a silver one. Taking out my carpet and putting in that wood stuff. I'm also getting plants, like bonsais and cool little ones for my desk. I'm getting a navy bedspread and navy curtains with lime green beads. Stereo, and pictures of all my friends and pets and family in cute picture frames, and all my old Tshirts that either got holes or too big/small I'm turning into pillows, in addition to buying some new pillows. lamps are also a great way of lighting up a place and making it look cool. I also need to get a cute little chest for my dog's toys.
Good Luck ffrom a fellow 14 year old! :)

What are some good furniture stores for teen bedrooms?

Q. Im looking to get a room makeover. And was looking for white wood or metal (perferably wood) furniture for a teen bedroom. Pls and thanks:) Will vote for best answer

A. ikea!!!! My old room at my moms house is done all in ikea furniture. We're definitely an ikea family, they have so many great pieces

http://www.ikea.com/us/en/catalog/categories/departments/bedroom

What is the coolest bedroom ever?

Q. teen bedroom. picture please?

A. Something that reflects you. For example: if your spunky or loud then pick bright colors like green,light blue or purple. Here are some pics:
http://www.cool-kid-bedrooms.com/images/goalloutbedding.jpg

http://www.bamboo-blinds.co.uk/wp-content/uploads/teen-window-treatment.jpg

http://www.homevisions.com/lycosimages/50375_f.jpg

http://www.housebeautiful.com/cm/housebeautiful/images/7-ship-bedroom-dec0707_xlg.jpg

I hope it helps! If you look up Teen Bedrooms on Google that might help. Good luck =)

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Can anyone come up with a good game to play with elders about home safety?

Q. we have to do a inservice on home safety to eldery patients who range from mild to moderate dementia... they wanted us to do some sort of jeopardy with multiple choice questions for them, we have a big board we were going to use to make up this game.. however i don't know if overwhelming them with words on a board is a good idea... does anyone have any idea how we can set this up?

A. on what game console?

Is it possible to bypass door sensor of a GE Simon Home alarm from the inside?

Q. I originally purchased my GE Simon for home safety. Now, with a 15 year old daughter who has become fond of sneaking out at 2am, itâs become more of a child safety tool. As soon as I set it back up, I caught her trying to bypass the alarm on the front door by sticking a magnet between the piece on the door and the piece on the wall. This did not work, but I am not sure why as its only a magnet inside the plastic piece on the door. Is there any other way she could bypass the alarm?

A. This is not an electronics issue. If your 15 y/o daughter is sneaking out of the house at 2:00AM, you need to be in the child care area asking for help in remedying a problem that started a long time ago. Take your daughter to the doctor for a full physical exam, including drug screen & pregnancy test. Find a family counselor, and drag her there.

Americans, what would be the best gun for home protection?

Q. I'm from the United Kingdom and I am looking to move to the USA in April, I have always wanted to purchase a gun but they don't give us that right back here. So my question is, what gun would you say would be effective for home safety? And also what gun do you use?

A. For home defense I would recommend a Remington 870 pump shotgun 12 GA or 20 GA if the recoil from the 12 is to much.

If you want a handgun, depends on you price and what is comfortable to you.

For beginners I recommend you practice with a. 22 and move up to the 9mm.

For home defense/ carry with a handgun the 9mm and .45 ACP are good.

Since I'm 19 I still got another year and a half before I can get a CCW and handgun. But there are many great choices these are popular brands:
Colt
S&W
Ruger
Glock
CZ
Beretta
H&K

In America you can go to a shooting range and rent a few guns to shoot and see what you like.

Normally I would say the larger .45 ACP for home defense but given your lack of experience a 9mm hollow point would be best. The Glock 17 and 19 are good aswell as the CZ 75 sp-01 and Beretta 92. If you decide to go with the .45 ACP try a Glock 21 or 1911. For a revolver a S&W chambered in .357 Magnum is good also. You should try each to see what fits you best.

Here's a link to S&W website:
http://www.smith-wesson.com/webapp/wcs/stores/servlet/Category4_750001_750051_757767_-1_757751_757751_image

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