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    Small-Space Heroes

    Undercounter tables, sectional seating and more clever furnishings make the most of every square foot Compact rooms call for clever ideas to maximize their potential, both in terms of practicality and style, and furniture designed to be flexible in a tiny interior is worth its weight in gold. Solutions are available to suit all budgets …

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    Check Out Our Sweepstakes Winners’ 2-Room Makeover by Vanessa Brunner

    The laundry room’s organization needed ironing out. The guest bath didn’t make a splash. See the makeovers a Kentucky couple won Sue Ellen Ragsdale didn’t believe her husband. Winning $50,000 for a new laundry room and bathroom? It sounded too good to be true. “She didn’t believe me for a week or so,” says Michael …

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    Houzz Tour: Ranch Home With a Fresh Approach to Pattern

    A designer balances brights and neutrals, geometrics and brushstrokes in this vibrant house in Texas This young couple was excited to go bold in their newly renovated ranch, but knew that careful editing would be key in keeping the look refined. They brought in interior designer Sarah Wittenbraker toward the end of construction to help …

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    Love Your TV but Not the Way It Looks? Here’s How to Hide It

    See the clever new ways designers are concealing that big, blank TV screen Some people celebrate the TV in all its big-screen technological glory, while others consider it an eyesore. If you fall into the latter group, there are plenty of ways to hide your TV from view when you don’t want to look at …

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    How to Add a Living Wall

    Learn how to choose systems and plants, and what it will cost to bring a bit of the outdoors in or green up a garden wall A vertical garden is truly a living wall. It generates oxygen while offering a visual focal point that’s arguably as stunning as, and more affordable than, a piece of …

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    8 Ways to Make What You Have Better

    You don’t necessarily need a full reset. Try building on the things you already own to create fresh new decor Sometimes it can seem as if designers want you to replace everything you have and start fresh with each design season. In reality, a lot of good home basics just need a little building up …

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    11 Ways Wirework Can Lighten Up Your Decor

    The trend for wirework has seen it graduate from simple storage to furniture and beyond Wirework has long been a staple feature in our homes, especially in the form of storage. But in recent years it’s taken on new purposes and shapes, and has been stepping out in bold colors. From a witty take on …

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    5 Trade-Offs to Consider When Remodeling Your Kitchen by Moorea Hoffman

    These big-picture questions can help you decide where to invest and where to compromise in your kitchen remodel This article is from our Most Popular stories file. It would be great to have an unlimited budget for a kitchen renovation. But the fact is most of us do not. And that’s OK. Compromises of one …

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    New This Week: 4 Casual Living Rooms Moonlighting as Formal Spaces

    Designers share their secrets to creating comfortable double-duty spaces with projects uploaded this week to Houzz If you want a formal living space but don’t have room for one, things can get a bit tricky. How do you create a room that functions for everyday, casual use as well as for those special occasions? The …

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    Lotus + Lilac Design Studio Philadelphia, Pennsylvania 19119

    We specialize in organic inspired, modern interiors that are holistically designed. Hello! We are Lotus + Lilac Design Studio. We are a husband and wife team- Jessica and Chris- located in the Philadelphia suburbs. We help our clients create beautiful spaces by taking pragmatic design and creating extraordinary results! Our projects range from a cluttered …

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    Decorating 101: How Much Is This Going to Cost Me?

    Learn what you might spend on DIY decorating, plus where it’s good to splurge or scrimp You’ve just moved into a new home, and you’re ready to decorate. Or you’ve been in your home for a while and want to give the place a whole new look. And you want to do it yourself. The …

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    Umbrella House Creates Shower of Inspiration by Bud Dietrich, AIA

    The forecast is shade, reduced cooling costs and striking visuals for houses with canopies inspired by a 1950s icon In the early 1950s, Paul Rudolph designed the iconic Umbrella House. The dominant feature of the house is the large umbrella-like canopy that shades the front and back. Though the original wood umbrella structure fell prey …

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    A Beginner’s Guide to Original Art and Limited-Edition Prints

    Get the basics on investing in art for your home When it comes to buying art, you may wonder whether you should choose an original work or go for a limited-edition print. Read on to dispel some myths, understand art world terminology and home in on the art that’s right for you and your space. …

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    How to Refresh Your Living Room on Any Budget

    Update your living space, whether you have just $100 or as much as $10,000 to spend Daydreaming about redecorating (or browsing Houzz on your lunch break) is fun, but when it comes to laying out your hard-earned cash on those upgrades you’ve been eyeing, it can be hard to prioritize. New rug or new sofa? …

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    9 Tips for Mixing and Matching Tile Styles

    Get acquainted with the basics of combining different shapes, colors and finishes for a symphony of tiles For tile fans such as myself, the more tile, the better. But though I’d happily cover every surface with it, there are certain things to consider when combining tiles of various sizes, shapes and patterns on walls and …

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    Beyond ‘Hygge’: How to Enjoy Scandinavian Style at Home

    Buzzwords aside, here are some essential elements of the Nordic look and lifestyle The Danish lifestyle term hygge — which Visit Denmark describes as “creating a warm atmosphere and enjoying the good things in life with good people” — was ubiquitous last year. Its popularity perhaps was no surprise, given the current fascination with all …

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Although {discussing| talking about| going over| reviewing} the {possibility| opportunity} of {losing| shedding} a {family member| relative| member of the family} {seems| appears} grim, it's an {important part| vital part| fundamental part| integral part} of a {family| household| family members}'s {financial| monetary| economic} {planning| preparation}. {Life insurance| Life insurance policy} {provides| offers| supplies| gives} {financial| monetary| economic} {flexibility| versatility| adaptability} in {difficult| challenging| tough| hard} times, {and| as well as| and also} can {prevent| avoid| stop| protect against} the {remaining| staying| continuing to be} {family| household| family members}'s {financial| monetary| economic} {devastation| destruction} if something {happens| occurs| takes place}. {Be sure| Make sure| Make certain} to {read| check out| review} over {all of| every one of} the {information| info| details} {about| regarding| concerning} the {insurance| insurance coverage| insurance policy} {plan| strategy} that your {company| business| firm} {offers| provides| uses| supplies}. You {may| might} {find| discover| locate} that it {will| will certainly} not {be enough| suffice}. You {may| might} {want to| wish to| intend to} {invest in| purchase| buy} an {additional| extra| added} {policy| plan} {to be sure| to make sure| to ensure} that your {family| household| family members} is {going to| mosting likely to} have {enough| sufficient| adequate} {money| cash| loan} {in the event| in case} of your {passing| death| passing away}. Although term {insurance| insurance coverage| insurance policy} covers you for {only| just} a {specified| given| specific} {period of time| time period| amount of time}, it does have some {benefits| advantages} that {may| might} make it the {right| best| ideal| appropriate} {choice| option| selection} for you. Term {insurance| insurance coverage| insurance policy} is {vastly| greatly| significantly} {cheaper| less expensive| more affordable| less costly} than {whole| entire} {insurance| insurance coverage| insurance policy}, {costing| setting you back} {hundreds of| numerous| thousands of} {dollars| bucks} a year {rather than| instead of| as opposed to} thousands. It is {flexible| versatile| adaptable} {in that| because} you can {choose| select| pick} to be covered for as {few| couple of} as 5 or as {many| numerous| lots of| several} as {30 years| thirty years| three decades} with {coverage| protection| insurance coverage} {ranging| varying} from $100,000 to millions. For {short term| short-term} {needs| requirements| demands}, such as {children| kids| youngsters} {graduating| finishing} from {college| university} or a {mortgage| home loan| home mortgage} being {paid off| settled| repaid}, term {insurance| insurance coverage| insurance policy} is {ideal| perfect| optimal| suitable| excellent}, {especially| particularly| specifically} if {whole| entire} {insurance| insurance coverage| insurance policy} is not in your {budget| budget plan| spending plan}. When {exploring| checking out| discovering} the {options| choices| alternatives} for {insurance| insurance coverage| insurance policy}, {shop around| look around| search}. There are a {number of| variety of} {factors| elements| aspects| variables} {insurance companies| insurance provider| insurer} {use| utilize| make use of} to {rate| price} {customers| clients| consumers}. Each {factor| element| aspect| variable} {carries| brings| lugs} a {different| various} weight. If you have {negative| unfavorable| adverse} {elements| aspects| components}, such as an {addiction| dependency} to {nicotine| pure nicotine}, you {may| might} {benefit from| take advantage of| gain from} {researching| investigating| looking into} {rates| prices} from {many different| various| several} {providers| service providers| companies| suppliers| carriers}. {Life insurance| Life insurance policy} {companies| business| firms} {often| frequently| typically| commonly| usually} {charge| bill} cigarette smokers {double| increase} the {usual| typical| normal| common} {premium| costs}. A {way| method| means} to {reduce| decrease| minimize| lower} the {monthly| regular monthly| month-to-month} {cost| expense| price} of your {insurance| insurance coverage| insurance policy}, is to {quit| stop| give up} {smoking| cigarette smoking| smoking cigarettes} if you are a {smoker| cigarette smoker}. {Another| One more| An additional} {way| method| means} to bring your {premium| costs} down is to {stay in| remain in} {shape| form}. {Physically fit| Fit| Healthy}, non-smokers {are at| go to} {far| much} {less| much less} {risk| danger| threat} for {developing| establishing| creating} {illness| disease| health problem| ailment} {and| as well as| and also} {diseases| illness| conditions}. {Many| Numerous| Lots of| Several} {insurance| insurance coverage| insurance policy} brokers {and| as well as| and also} {agents| representatives} {get paid| make money| earn money} {through| with| via} {commission| compensation| payment}. It is {therefore| for that reason| as a result| consequently} to their {benefit| advantage} to {sell| offer| market} you {the most| one of the most} {expensive| costly| pricey} {package| bundle| plan} they can with as {many| numerous| lots of| several} {riders| bikers| motorcyclists| cyclists} as {possible| feasible}. {Because of| Due to| As a result of} this, {before| prior to} {agreeing to| consenting to| accepting} a {specific| particular| certain| details} {insurance policy| insurance coverage| insurance plan}, you {should| ought to| must| need to} {get| obtain} a {second opinion| consultation}. {Make sure| Ensure| Make certain| See to it} {everything| whatever| every little thing} {included| consisted of} is something that you {actually| really| in fact} {need| require}! It {is important| is essential| is very important| is necessary} to {conduct| perform} your {own| very own} independent {research| research study| study} when {deciding| choosing| making a decision| determining} {whether or not| whether} to {invest in| purchase| buy} a {particular| specific| certain} {insurance policy| insurance coverage| insurance plan}. It {is important| is essential| is very important| is necessary} to {verify| confirm| validate} that you can {afford| manage} it, {and that| which} it {fulfills| satisfies| meets} your {needs| requirements| demands}. {Make sure| Ensure| Make certain| See to it} you {fully| completely| totally} {understand| comprehend| recognize} the {different| various} {aspects| elements| facets} of your {policy| plan}. Understand that {most| many| a lot of| the majority of} {insurance companies| insurance provider| insurer} {offer| provide| use| supply} a {range of| variety of| series of} {different| various} {payment| repayment| settlement} {options| choices| alternatives} to your {beneficiaries| recipients}. If you {think| believe| assume} those you {leave behind| leave} {would| would certainly} be {better| much better| far better} off {receiving| getting| obtaining} {periodic| regular| routine} {payments| repayments| settlements}, {then| after that} this is something you {have to| need to} {decide| choose| make a decision| determine} {now| currently}. You can {choose| select| pick} to {give| provide| offer} the {lump sum| round figure} or to break it up. {Calculate| Determine| Compute} the {appropriate| suitable| proper| ideal} {level| degree} of {insurance| insurance policy} {coverage| protection} {needed| required} {before| prior to} {purchasing| buying| acquiring} a {policy| plan}. A {good| great| excellent} {rule of thumb| guideline| general rule} is to consider what the loss of your {income| earnings| revenue} {would| would certainly} do to your {family| household| family members} if anything {happened| occurred| took place} to you {and| as well as| and also} {insure| guarantee} {yourself| on your own} {accordingly| appropriately| as necessary}. {On average| Typically| Usually| Generally}, {coverage| protection| insurance coverage} {amounts| quantities} {should| ought to| must| need to} be high {enough| sufficient| adequate} to {equal| equivalent} {about| regarding| concerning} {eight| 8} years of {salary| income| wage} plus any other {one-time| single} {expenses| costs| expenditures} your {family| household| family members} {may| might} {face| deal with| encounter}. Know {how| exactly how| just how} your {insurance policy| insurance coverage| insurance plan} {will| will certainly} cover your home in the {event| occasion} of your {passing| death| passing away}. Your {benefits| advantages} {will| will certainly} {first| initially} {go to| most likely to} cover your {outstanding debts| arrearages} {and| as well as| and also} a {mortgage| home loan| home mortgage} {could| might| can} {easily| quickly| conveniently} {engulf| swallow up} the {potential| prospective| possible} {benefit| advantage} for your {family| household| family members}. {Check with| Consult| Talk to| Contact| Get in touch with} your {insurance company| insurance provider| insurer} to {make sure| ensure| make certain| see to it} your {policy| plan} {is sufficient| suffices}. Do as much {research| research study| study} {into| right into} {insurance| insurance coverage| insurance policy} as you {possibly| potentially| perhaps} can. {It doesn't matter| It does not matter| It matters not| No matter} whether you {buy| purchase| get| acquire} a {policy| plan} {by yourself| on your own} or {with the assistance of| with the help of} a {professional| expert| specialist}, you {need| require} to {know| understand| recognize} what you are {talking about| discussing| speaking about} in order to {feel confident| feel great} {and| as well as| and also} {sure| certain} of the {decision| choice} you are making. To {save| conserve} {money| cash| loan} on your {insurance| insurance coverage| insurance policy}, make an {annual| yearly} {payment| repayment| settlement} {rather than| instead of| as opposed to} {monthly| regular monthly| month-to-month} {payments| repayments| settlements}. {Many| Numerous| Lots of| Several} {insurance companies| insurance provider| insurer} {charge| bill} a {small| little| tiny} {administrative| management} {fee| charge| cost} for {monthly| regular monthly| month-to-month} {payments| repayments| settlements} {because of| due to| as a result of} the {added| included} {administration| management} {expenses| costs| expenditures}. Paying your {insurance| insurance coverage| insurance policy} {premium| costs} {annually| yearly| every year| each year} {saves| conserves} you these {fees| charges| costs}, which can {add up| accumulate| build up} over the life of your {policy| plan}. A {parent| moms and dad} {would| would certainly} {always| constantly} {like| such as} to {think| believe| assume} that their dependents {will| will certainly} be {taken care of| looked after| dealt with| cared for} in case something were to {happen| occur| take place} to them. This can all be {taken care of| looked after| dealt with| cared for} when a {life insurance| life insurance policy} {policy| plan} {is in| remains in} {place| location| area}. 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