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Interior Designer Singapore
Premier Interior Design and Carpentry Specialist in Singapore - http://carpenters.sg Interior design Singapore concepts can help create a relaxed new mood in...

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Casa Turia pop up store by CuldeSac, Valencian -- Spain
The latest store format innovations, store design trends and visual merchandising, including the latest store image galleries. Classic modern and cutting edg...

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Casa Turia pop up store by CuldeSac, Valencian -- Spain - Video

DEAR MISS MANNERS: I am an artist and interior designer. My client uses me for decorative painting and is always asking my opinion on this orthat.

The problem is that I realize that we have extremely different tastes. How do I gently tell her that her choices for the accessories in the room are too cheap or not up to the standard I had in mind without offending or hurting herfeelings?

GENTLE READER: It always surprises Miss Manners when artists disapprove of their clients taste, given that the client chose to hire theartist.

Nevertheless, she recognizes that

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DEAR MISS MANNERS: I am an artist and interior designer. My client uses me for decorative painting and is always asking my opinion on this orthat.

The problem is that I realize that we have extremely different tastes. How do I gently tell her that her choices for the accessories in the room are too cheap or not up to the standard I had in mind without offending or hurting herfeelings?

GENTLE READER: It always surprises Miss Manners when artists disapprove of their clients taste, given that the client chose to hire theartist.

Nevertheless, she recognizes that there are some patrons of the arts with limited aesthetic sense. She also recognizes the logic of listening to the opinion for which one ispaying.

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Miss Manners: Artist finds client’s taste ‘cheap’ - Wed, 01 Jan 2014 PST

(PRWEB) January 01, 2014

Chloe & Olive responds to trending home dcor with their designer faux fur pillow collection.

Owners of Chloe & Olive, Tamara Kleidermacher and Tania Armstrong, launched a new pillow collection last month, staking their claim as leaders in the designer decorative pillows market. This new collection includes faux fur pillows and faux fur pillow covers, a luxurious home dcor trend, sought out by stylish home owners, interior designers and more.

Were excited to announce Fur You, the latest addition to Chloe & Olives wide range of decorative pillow cover collections, said Tamara Kleidermacher, Co-CEO. Faux Fur is one of the hottest fashion trends going into 2014, and these reversible covers nail the sweet spot in stylish yet versatile home decor.

Chloe & Olive is an online seller of designer decorative pillows and pillow covers, owned by two sisters with years of experience in the design industry. As demand for unique designer pillows grows, Chloe & Olive is committed to offering designer pillow collections to match the needs of their customer base.

Designer decorative pillows are used around the world to accent any room in the home or office. With the rising need for high quality versatile home dcor, Chloe & Olive make it easy to find designer pillows with two unique looks in one. Most pillows offered by Chloe & Olive feature two complementary sides that will change the look and feel of a room with a simple flip of the pillow.

Chloe & Olives featured pillows include:

For more information about a particular product please call 805-244-6675.

ABOUT THE COMPANY

Chloe & Olive provides top quality, stylish and elegant home dcor pillows and pillow covers via its online store at http://www.chloeandolive.com (http://www.chloeandolive.com/). Owned by two sisters, one an interior designer and the other a graphic designer, Chloe & Olives pillows are the result of 15 years of unsatisfied home dcor store findings. The company is dedicated to designing pillow covers that add pizzazz and warmth to any room, where a simple flip of the pillow creates a brand new look. Each pillow cover has an innovative design, offering contrasting yet coordinating textiles on each side. Crafted individually with attention to quality and detail, using designer fabrics, Chloe & Olive pillows are unlike any other pillows available.

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Chloe & Olive Continue to Define Chic Décor with their New Designer Faux Fur Pillows

16619 Rose Bay Tr, Cypress, TX 77429
WOW!!! Large Home, Lot and Large Lot of Garage Space! Owner occupied Hardwood floors on first floor except for master and laundry(tile). Window Shutters, Sun...

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16619 Rose Bay Tr, Cypress, TX 77429 - Video

An early morning New Years Day fire at a city home displaced five people and caused at least $20,000 damage, a city fire official said.

City fire crews were called to 226 E. Lehman St. at 5:37 a.m. Wednesday for a fire in the walls of the home.

City Fire Commissioner Duane Trautman said the fire was caused by old wiring tied into new wiring. The fire started on the second floor and spread into the attic, he said.

He estimated damage between $20,000 and $25,000. The fire commissioner said the fire caused extensive damage to the floor joists and flooring in the attic and framing on the second floor.

"There's a lot of work to be done (to repair it)," he said.

Two adults and three children lived in the rental property, Trautman said.

The cause of the fire was ruled accidental, the fire commissioner said.

Trautman said the property owner is expected to face charges because there were no smoke detectors inside the home.

The names of the property owners and the occupants of the home were not available Wednesday.

"Someone happened to be awake (and noticed the fire). They're lucky to be alive," Trautman said.

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POLICE, FIRE LOG for Jan. 2: Lebanon fire displaces five

Shopping for homeowner insurance has become much more complicated over the past several years. There was a time when auto insurance was a much tougher market than homeowner insurance. That led to a rise in the marketplace of monoline auto insurance companies like Geico and Progressive. They found a market niche and are now two of the top five companies in premium volume in property and casualty insurance. Now companies will more readily write the auto exposure by itself but will not write homeowners coverage without supporting business such as autos. Most companies offer a discount from 10 percent to 20 percent on each policy to write them in a package. What has changed and what should you do to get the best coverage at the lowest cost?

Weather is the biggest culprit affecting higher costs of insuring your home. This could be due to fire damage with the use of space heaters in cold weather, wind blowing trees onto houses, lightning striking houses or hail damaging roofs. This does not take into account catastrophic losses from hurricanes, earthquakes or tornadoes. The primary coverage affected by these perils is coverage A on your policy, which is the value of the dwelling. That value is based on the replacement cost of your home not the market cost or what you can sell it for. In most cases today the replacement cost exceeds the market cost.

Most companies use a software program that takes into account location, quality of construction, age and square footage to determine the value the company will insure a home for.

Once the value of the dwelling is established, the amount of insurance for other structures such as detached garages or storage sheds, personal property and loss of use are a percentage of the dwelling amount. Medical payments coverage, personal liability and deductible amount are written for the amount the customer wants. Many carriers also include fungi and mold coverage at specific limits. Be careful not to over insure on any coverage. What you are insuring against is a major loss that you cannot cover out of pocket and would set you back financially.

So how do you get the best rate for the best coverage? First, know the coverage that adequately protects your risk. What amount of liability coverage is needed to protect your assets? What amount of medical payments coverage is adequate? Do you need replacement cost on contents instead of actual cash value (depreciated cost)? Other optional coverage may also be needed. Then contact an agent or company and market both your auto and homeowner policies. Make sure you get the rates for different deductibles on your homeowner quote. Most companies will start at $1,000 deductible, but price $2,000 or $2,500 deductibles.

Most companies use your credit score to determine the tier of premium they put you in. The higher the credit score, the lower the tier and lower the rate. Independent studies have shown a direct correlation between credit history and loss proclivity. Companies also base their rate on past claims experience. Insure your home for a major loss, and save money by paying any small claims if there are any. Install deadbolt locks and smoke detectors and test the smoke detectors every six months. If you can afford it, install a centrally monitored security system. The discount on your homeowner premium could offset over half of the annual monitoring cost.

Rather than be placid about the cost of homeowner insurance, be proactive. Reduce the hazards around your home such as updating wiring and reducing clutter. Understand how much coverage you need and shop for the product that meets your needs at the best price. Remember the package discount. It is offered in the marketplace so take advantage of it and save money.

Dave Pushman is the former regional vice president of Geico in Macon and is now an independent insurance agent with Tidwell and Hilburn Insurance. He can be reached at davep@th-ins.com.

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The Insurance Corner: Shopping for homeowner insurance more complex

An early morning New Years Day fire at a city home displaced five people and caused at least $20,000 damage, a city fire official said.

City fire crews were called out to 226 E. Lehman St. at 5:37 a.m. Wednesday for a fire in the walls.

City Fire Commissioner Duane Trautman said the fire was caused by old wiring tied into new wiring. The fire started on the second floor and spread into the attic, he said.

He estimated damage at between $20,000 and $25,000. The fire commissioner said the fire caused extensive damage to the floor joists and flooring in the attic and framing on the second floor.

"There's a lot of work to be done (to repair it)," he said.

Two adults and three children lived in the rental property, Trautman said.

The cause of the fire was ruled accidental, the fire commissioner said.

Trautman said the property owner is expected to face charges because there were no smoke detectors inside the home.

The names of the property owners and the occupants of the home were not available Wednesday.

"Someone body happened to be awake (and noticed the fire). They're lucky to be alive," Trautman said.

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Fire displaces five in Lebanon

1500 W 43rd St Lorain The Dream Team
Spacious 4 Level Home with a Basement, Deep Private Fenced in Yard with Shed, Patio Large Screened in Back Porch! This updated home includes Newer Stainles...

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