Tips for Bathroom Design & Remodeling

A key to successful bathroom remodeling and design is sufficient planning. Set aside time to arrange a priority checklist for your new bathroom, together with the most pressing needs on peak of the listing. Always plan a budget prior to beginning a fresh renovation. In accordance with Bathroom Remodeling Hints, many bathroom renovations end up overshooting first budget estimates, so avoid any surprise prices by adding 15 to 20% for unexpected costs.

Preparation

Before beginning your bathroom renovation and design, accurately assess the space. A cramped bathroom is undesirable, so be sure to carefully set bathtubs, toilets, vanities and any storage items. When you select fixtures for your bathroom, always measure their height, width and depth. You also will need to select which style suits your personal preference and requirements. See showrooms at home-improvement shops and surf the Internet for ideas.

Bathroom Flooring

When you pick the flooring for your bathroom, remember that some floors materials can easily be ruined by water and dampness. Carpet and timber flooring, as an instance, are particularly vulnerable to water damage and stains. Wood flooring should be well-sealed if they’re used. In accordance with Toilet Bath Ideas, vinyl floors is a good alternative for bathrooms since it is waterproof and requires little maintenance. Pick a tile flooring that is textured . Practical bathroom flooring options include marble and vinyl.

Bathroom Lighting

In accordance with Nouveau Bathrooms,”The current trend in bathroom lighting is toward the ones that are very usable, renewable and very visually appealing.” Before you pick your lighting, however, consider the dimensions of your bathroom. Mirrored lights are especially practical and attractive in tiny baths, whereas ceiling lights or wall-mounted fixtures are able to make a massive bathroom look cozier. Recessed lighting is excellent for the bathtub area since it supplies more subtle lighting. Whatever lighting you choose, make sure it fits the overall mood and atmosphere of the bathroom.

Go Green

In accordance with REGREEN, although the bathroom is often the smallest area in the house, it has immense energy-saving potential. When you pick your bathroom fittings, make water conservation a priority. “Choose low-flow showerheads, high-efficiency toilets and water-conserving aerators on sink taps.” For floors, select tiles that are made from recycled materials. Making green choices is much easier in the environment and will save water and plumbing costs.

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First-Time Homebuyer HUD Guidelines

For most Americans, owning a home is the realization of a dream, but purchasing a home requires a lot of investment. The U.S. Department of Housing and Urban Development (HUD) provides an array of programs through the Federal Housing Authority (FHA) to help people purchase homes. The FHA programs are intended to make purchasing a home cheaper. Programs provide such advantages as low down payments, help with closing costs and low interest rates. FHA programs include some specifically aimed toward first-time homebuyers, that must meet a few FHA guidelines so as to participate in the programs.

Debt Ratio

Exotic homebuyers need to meet certain credit requirements to get an FHA loan, but a good credit score may be insufficient. FHA guidelines also require most buyers to satisfy debt-to-income ratio limitations. The maximum is 41 percent. The ratios determine whether buyers are likely to be able to afford the loans they seek. The ratio compares the purchaser’s total monthly payments for revolving debts into the purchaser’s gross monthly income. According to the FHA website, credit history and job equilibrium also factor into whether or not a loan is approved.

Mortgage Insurance

HUD needs many first-time homebuyers to cover mortgage insurance on many FHA loans. This insurance policy protects the lender’s investment. In the end, small down payments are often required by FHA loans. In other words, the lender is in danger if the new homeowner is unable to make the payments. Mortgage insurance is added to new homebuyers’ payments. The yearly cost of this insurance is equal to 0.5 percent of the total loan amount. The insurance plan is eliminated after 5 years, or whenever the loan balance falls below 78 percent of the home’s value. First-time homebuyers that cover enough of a deposit to push the loan to value ratio below 90 percent are not required to pay mortgage insurance.

Loan Restrict

The quantity of money that most homebuyers are permitted to borrow via HUD loans is limited to maximums based on typical incomes for geographical regions. Buyers who do not have another source of funding cannot meet the requirements for HUD’s FHA loan plans if the home’s price is above the allowable maximum. In San Francisco, for example, a single-family home is limited to some 729,750 FHA loan. The best for a duplex is $934,200. Loan maximums vary based on the geographical area. In Champaign, Ill. the maximum to get a yearlong home is 271,050.

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How to Explain Cash Out Refinancing

A cash-out refinance can help you reduce your monthly bills. Utilizing the equity within your home to consolidate debt can save a bundle of money. Many homeowners may use the loan proceeds out of a cash-out refinance for big purchases, such as an automobile or home improvements. According to the Bank Rate website,”Homeowners treat their houses like piggy banks, easily transforming their equity into cash and credit.” Thus, you have options that may make it possible for you to use your house equity.

Create an understanding about the 2 methods of refinancing. A homeowner may apply for a rate and term refinance or cash-out refinance. Both transactions will replace the conditions of an present home mortgage.

Know a rate and term refinance. A term and rate refinance enables a homeowner to pay off an present mortgage balance, lender fees, property taxes and compensation costs. A homeowner who grabs a rate and term refinance is typically offered a lower interest rate than homeowners who elect for cash-out refinancing. Typically, a homeowner who chooses a rate and term loan has chosen to refinance to get a better interest rate. Her fresh loan balance may slightly increase above the present mortgage balance because of settlement costs.

Acquire awareness about a cash-out refinance. A homeowner who applies for a lump-sum will obtain financing that provides financing in excess of paying off an present mortgage balance and compensation costs.

Recognize the overall needs for homeowners who require a cash-out refinance. Along with paying off an present mortgage balance, a homeowner can request funds to pay for home improvements, debt consolidation, vacations, tuition and cash-in-hand. A cash-out refinance that provides a homeowner cash-in-hand is disbursed via certified check

Distinguish between the only two types of refinance transactions. A term and rate refinance is only going to pay off an present mortgage and compensation costs, while using any extra part of a homeowner’s equity for separate functions is considered a cash-out refinance.

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Sustainability in Technology Design Construction & of Commercial Property

Sustainable design, technological and construction practices produce buildings with a positive effect on the greater environment by using practices that decrease the negative facets of new structure. Techniques and criteria for all types of construction and retrofitting of existing buildings assist the development community in their attempts to minimize the short- and long-term impact of buildings on the environment, including human health. Many of the criteria have been developed from the U.S. Green Building Council and their LEED program, the Leadership in Energy and Environmental Design designations for residential and commercial buildings.

Site Design

The site design is the first step in making certain that a building can be sustainable. The architects and engineers use modeling techniques to position the building to take advantage of sun and prevailing winds. The site design includes efficient use of the property for parking, for the building, and leaving open space to make a natural environment for the building’s occupants and visitors.

Energy and water Conservation

Among the most essential aspects of a sustainable commercial building is its use of materials and designs that contribute to water and energy conservation. The engineers and designers supporting the sustainable buildings take advantage of low flow plumbing fixtures, utilize landscapes that do not require a great deal of water, and if the building is big enough, recycle the grey water. The architects of sustainable buildings position the building on the site in order to take advantage of passive solar heating and cooling methods, to cool the building in the summer and apply sunlight in the winter to warm it. Sustainable buildings can use solar panels to generate some of the energy used within the buildings. They also utilize state-of-the-art heating and cooling equipment (HVAC), which is frequently the most costly recurring cost for commercial properties. The design team uses computers to track the HVAC system to make sure that it’s running at 100 percent efficiency. They use sophisticated modeling methods to make sure that the HVAC distributes the conditioned atmosphere evenly, so there are no hot spots or cold spots. The buildings also utilize natural daylight as much as possible and LED and CFL light to conserve energy.

Structure Materials

When buildings are defined as sustainable, they have an obligation to utilize materials that have a minimal impact on the environment and landfills. The wood that’s used in these buildings is often certified timber, which means it comes from a forest in which environmental practices lead to the health and long-term productivity of their property. These forests use responsible harvesting methods that do not ruin habitats, utilize clear-cutting techniques or lead to slope erosion. The sustainable commercial buildings utilize surface floors from renewable resources that can be replaced quickly, like bamboo products for floors. Designers may look for local substances that do not need long transport, plus they look at methods to reuse all of the trimmed leftovers out of the components used to construct the building.

Indoor Air Quality

Sustainable buildings highlight using products that do not have dangerous off-gases from the paint or floors in the building. The contractors use products that are low in volatile organic solvents (VOCs), which decrease indoor contamination significantly. Once assembled, the building may use cleaning products that do not include harmful or hazardous chemicals that leave physical residues or VOCs. They work with interior designers to select furniture and fixtures that do not emit VOCs, completing the aim of having an environmentally sustainable and safe environment for all of the building’s occupants.

Sustainable Design Components

Besides using environmentally aware construction methods and materials, a sustainable building has design elements that lead to ecological health. The building may have a secure place for bicycle storage and showers so the occupants can bike to work. They can design parking lots for quick ingress and egress, cutting down to the fuel that’s burned while waiting to leave the area. Architects can assemble places to easily recycle the products utilized in the building, cutting back on the waste buildings generate. They might utilize chutes on each floor that require the newspaper, glass, aluminum and plastic into a central recycling storage space.

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FHA Seller Concession Limits

The Federal Housing Administration delivers guaranteed mortgages via FHA-approved lenders. Many people utilize the FHA to obtain mortgages for their home purchases. That's because they may not meet traditional mortgage-lending criteria associated with credit history or payments down. In addition, the FHA allows sellers to provide help to borrowers with closing costs and other fees. These fall into a class known as seller concessions. The FHA places limits on such help.

Characteristics

The FHA insures mortgages backed by lenders approved to issue them. Its financing assures a creditor, in effect, that its danger in providing a home loan to a borrower will be lessened. Adding to the attractiveness of an FHA-insured loan, minimal down payment requirements can be reduced (as small as 3.5% ) too. Borrowers are also able to receive help in fulfilling allowable closing costs.

Loan Assistance

There are two types of help allowed within an FHA-insured loan. The first deals with down payments. Borrowers can accept cash gifts from close relatives, quite close friends and even employers, under certain circumstances. These presents are then employed to help fulfill the down payment. The second has to do with costs. Sellers can give buyers up to 3 percent of the selling price back to assist with these kinds of costs.

Seller Concession Limits

There are limits to just which final costs can be dealt with by seller concessions. For one, they’re not allowed for payments down. They also can’t be utilized for any tax-service fees. However they can be utilized to cover the evaluation on the home. In addition, any loan-origination fee charged by the lender can be dealt with by seller concessions. Lender-pulled credit reports are another type of cost which can be compensated through concessions.

History

In the recent past, sellers were able to contribute up to 6% of the selling price to help with closing costs. However, the FHA determined that many vendors were working with appraisers to inflate the value of the homes. That inflated value would then compose the 6 percent given back to buyers. The home really wasn’t worth that much, however, and it subjected the FHA to excessive danger.

Considerations

Sellers are under no obligation to accept a purchase offer backed by an FHA-insured mortgage. And if they do, they’re also not obligated to expand seller concessions. Obtaining them is a part of the negotiating procedure. This type of procedure typically goes on between the buyer and the seller prior to any last purchase offer is accepted. The FHA also closely tracks down payment assistance and seller concessions. It does this via the FHA-approved lender’s lending the loan.

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What Are the Steps to Refinancing a House?

When you trade your current mortgage in for a new one, refinancing happens. The usual reason for refinancing is that prices have dropped since you purchased your property, and replacing your old mortgage with one funded at present prices will save yourself you money. Despite the benefits of refinancing, it's not the best financial decision.

Assess the Interest Rates

The very first step is to make certain taking a fresh loan is well worth it by seeing just how much you'd save under current interest rates. If you have a 30-year, $300,000 loan, CNN states, refinancing a 7% loan at 6.5 percent will save $100 a month and ultimately $35,000 in interest.

Consider the Alternatives

In the event that you're 10 years in your 30-year loan, refinancing to get a new 30-year loan will reduce your payments, but it means an additional 10 years before your debts are paid off. Should you expect to move in 5 or 6 decades, CNN states, you may be better off with a 7-year adjustable-rate mortgage: The starting rate will be reduced, and you'll be eliminated before the rate gets flexible and possibly higher. Choose which refinancing option makes the most sense for your financial targets.

Start Shopping

Contact creditors. Give them your financial information–savings, income, debts–and find a quote on what sort of refinancing # & they 039;d be willing to offer you. Compare the quotes and decide which suits you best. Request a quote on their fees–you'll need to pay appraisal fees, closing costs and other expenses because you did with their original mortgage–and make sure the fees won't wipe out the savings if you go right ahead and refinance.

Apply for your Loan

Make a formal program, once you know which lender that you wish to work with. You may need to present all the financial documents that you just did for your first mortgage, such as pay stubs to show your income, and documents to show your monthly payments for cars, child support, student loans or other bills. In the event that you've moved to your present lender to refinance, CNN states, the company may be prepared to accept you with much less paperwork.

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Where to Complain About Apartment Maintenance

Exactly whom you need to contact if you’re experiencing problems related to flat maintenance changes depending on your geographical area. Generally, you should make an effort to remedy the problem with your landlord. If you cannot, you are able to do more than complain in some areas. California law, for instance, gives tenants a number of ways to take things into their own hands.

Landlord's Role

To know exactly how and where to complain, you have to first know when your landlord commits negligence in association with flat upkeep. In California, the Supreme Court found that all residential leases and rental agreements include an”implied warranty of habitability.” The country’s Department of Consumer Affairs (DCA) clarifies your landlord must fix substantial problems to comply with state and local building and health codes. If you, a co-occupant, your loved ones or a co-occupant’s household, or your pets or a co-occupant’s pets caused the harm, but the landlord is exonerated from responsibility for making repairs.

Tenant's Role

Although your landlord should attend major problems, like keeping the heat and lights on in safe working order, in California, you’re also responsible for upkeep and maintenance of your rental unit. California law lists several special care concerns for which tenants are responsible. Typically, you must keep your unit and common areas clean and sanitary; run electrical, gas and plumbing supplies correctly; and refrain from destroying your device or any portion of the premises that house it. You need to confer with your landlord when you sign your initial lease agreement regarding who’s responsible for smaller repairs as well as the upkeep of flat”conveniences,” such as refrigerators, washing machines and swimming pools. California law also permits a tenant to agree to conduct all maintenance in his unit in exchange for lower rent.

Time Frame

When you know who’s responsible for what, California law infers you and your landlord should make an effort to behave in reasonable and responsible manner. When a problem occurs, contact your landlord by telephone and email, outlining the problem and asking her to have it repaired. The intensity of the problem dictates what a sensible time frame is regarding a fix. Generally, California law considers 30 days a reasonable time frame for the landlord to reply to your maintenance complaint. If it’s cold outside, however, as well as your furnace breaks, the DCA says this time period can fall to as little as fourteen weeks.

Considerations

If you get nowhere with your landlord, then California law provides you the best to manage things on your own before filing a formal complaint. You have the option to”repair and deduct.” According to the San Francisco Tenants Union, you are able to fix the problem and deduct what you spent in this month’s lease, provided that the entire cost of the remedy does not exceed 1 month’s lease. You can do this which may happen in two consecutive months. You might also withhold your rent until your landlord adequately addresses your upkeep issue. The DCA advises that you also have the right to leave your unit without punishment when the repairs will cost more than 1 month’s lease and the issue is a serious threat to your health and security. Do not abuse this option, however. If the problems don’t fall under the”implied warranty of habitability,” your landlord may sue for back rent and damages.

Phone Calls

If being fair does not work and hitting your landlord at his pocket proves ineffective, complain to local agencies. This also varies depending upon your area, but many cities have housing offices which do inspections and enforce code. Santa Clara County, for instance, provides a listing of branches it’s possible to call applicable to specific issues. For instance, for mold problems it recommends calling Bay Area Air Quality Management. In the end, the agency you contact or your city’s office of housing will choose whether to warn the house owner or scrutinize the device ahead of a demand for prompt rectification. If all else fails, obviously, you ought to call a renter’s lawyer about filing a suit from the landlord.

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What is a Grant Deed Used for?

Grant deeds, commonly called”California Grant Deeds” because they’re used just in California, are composed documents offering specific protections to house buyers. It’s a type of insurance policy that the seller of a property provides to the purchaser of that property to be certain that the buyer has no ethical or financial liability for future challenges to the property's ownership.

What’s a Grant Deed?

A grant deed is a written tool employed in California for reassuring to a purchaser that the purchaser will bear no responsibility for any future unforeseen claims or encumbrances that might be charged against the land, as long as the claim pre-dates the buyer’s property closure. Any claims will be the entire obligation of the seller. In every other state, grant deeds are called”guarantee deeds.”

Components

A grant deed must be in writing. The legislation doesn’t recognize verbal deeds of any type. The grant deed actually filed must also be an original, not a photocopy. Digital files aren’t thought to be legal, either. The deed must indicate who the parties involved are and stipulate that will be the grantor (the seller) and which the grantee (the buyer). Grant deeds must clearly list the property they cover. The deed must also say in writing what it is that has been ensured, namely that the land is owned free and clear by the grantor, and the grantor assumes responsibility for settling any future claims or encumbrances. When there is a time limitation on the guarantee, it must be mentioned on the deed. Last, the deed must be signed and notarized.

Time Limits

The strongest guarantee to get a purchaser is in case the grant deed stipulates that the seller keeps responsibility for any future asserts that date prior to the final, even those that pre-date the seller’s owning of their property. This is parallel to general warranty deeds in other states. It’s also feasible that the deed only makes the assurance for future claims dating from the time of the seller’s ownership. In other states, this is somewhat like a special (or limited) warranty deed.

Seller's Obligation

If the seller cannot establish that a claim challenge is untrue, then the seller is obliged to pay whatever amount is required to repay the claim. If the claim cannot be settled and the purchaser needs to give up ownership, then the seller is going to have to provide the price of the property back to the purchaser. The seller will also have to reimburse the purchaser for cash spent enhancing the property.

How to File a Grant Deed

Grant deeds do not, by law, must be filed. On the other hand, the strongest protection for a purchaser would be to file the deed at the time of property closure. Filing takes place, for a small filing fee, in the County Recorder’s Office in the county where the final takes place.

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Measures to Evict a Tenant

Housing laws regulate the rights and responsibilities of tenants and landlords. If you’re a landlord you need to follow legal process before you can evict your tenants. Ensure you fill in the required forms properly and follow instructions carefully, or your renter can file a counterclaim and lengthen the whole process. Avoid creating the eviction personal; emotions just complicate an already difficult situation.

Written Notice

You have to supply written notice that informs the tenant that he must leave your house. Laws vary from state to state; in California, eviction notices could be 3-day finds or 30-day notices. Use a 3-day note when your tenant is not paying his rent or is detrimental your property. Explain why you’re evicting him and what, if anything, can be done to fix the situation. Otherwise you need to serve a 30-day note, which provides tenants a month to depart the premises. It is crucial to include all renters ' titles and the address of the property in the note.

Unlawful Detainer Lawsuit

In case the tenant will not leave the home voluntarily you can evict her by submitting an unlawful detainer suit. This is a summary court process, so it ought to be fast. In California, go to your local court and fill in a Civil Case Coversheet, a Summons type and also a Complaint–Unlawful Detainer form. File these forms with the clerk's office, and pay the required fee. Hire a licensed process server to provide the summons and complaint to your renter. Remember, you can’t do yourself. The process server will fill in an evidence of support (form POS-010) and sign the summons. File the proof of support and summons in the ministry 's office.

Go to Court

After you file the proof of service, the tenant has five days to respond. If there aren’t any problems with your claim, the court will decide on a date to think about your case. Go to court and explain to the judge why you want to reevaluate your tenant. If the judge agrees with your arguments, then she will file an eviction decision.

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15 Ways to Warm Your Bathroom for Winter

Oh, that fear — you awake in the middle of the night to have a trip to the bathroom, but you understand that cold tile will chill all the toastiness right out of your feet. Or you come in from a chilly soccer match longing to have a luxurious soak in the bathtub, but the idea of shedding your layers of fleece prevents you in your paths. Soon it’ll be that time of year when you want your bathroom to raise your body temperature. Listed below are 15 suggestions which range from something you can do in minutes for a few bucks to dream-space renovation ideas.

Thom Filicia Inc..

Add a comfy rug. A bathroom mat does not need to be a shaggy little rectangle. Add an Oriental rug to enjoy underfoot during winter and autumn. The rich colours will heat up the look of the space as well.

Be sure to add a rug pad or rug tape which will grip the floor beneath any bathroom rug to prevent slips.

Lesher Natural Tile, & Stone, Quartz

Blend amazing natural materials. Soapstone sinks atop hardwood countertops add so much warmth to this bathroom. The look reminds me of a stone outcropping in the woods’ beauty.

More about hardwood countertops in kitchens and baths

Big-D Signature

Take a different approach to lighting. We tend to think there is a particular sort of characterless light we will need to choose for toilets, such as those flush-mount “boob lights.” This isn’t accurate; open your mind and browse the sort of lighting you’d usually connect with a foyer or dining room.

If you’re installing a dangling chandelier or pendant light in a bathroom, work with a certified electrician who understands the codes indoors and out. A chandelier cannot be within reach of somebody standing in a bathtub filled with water; the fittings will also have to be properly grounded, and you’ll require a high ceiling.

Sustainable Design Group

Contemplate heated flooring. Among the most luxurious things you can do to create your bathroom toasty in chilly weather is spend in radiant-heat flooring. If you are planning any renovations, then find out more about exactly what this entails and the payoffs are.

If you don’t have space in the budget for such a large investment, then talk to your electrician about installing a bathroom-safe heater you’ll be able to turn on prior to your shower or bath. Again, I stress, working with accredited experts is crucial; you do not want to scrimp on security with electronics in the bathroom.

Find electrical contractors on

Impact Construction and remodeling

Get your towels toasty. Heated towel bars add luxury to the bath, giving you a superb way to wrap up when you measure from a steamy shower.

Know more about towel warmers

Christopher Patrick Interiors

Rev up the wall color. So a lot of today’s most beautiful bathrooms are crisp and white, but that’s definitely not a necessity. Whether working with wall coverings, paint or tile, think outside the usual bathroom color palettes if the notion of white marble leaves you cold.

Antonio Martins Interior Design

Contain antiques. The well-worn patina of this table-turned-vanity along with the eclectic miners’ oil lanterns add warmth and personality to a white bathroom. There are votive candles in the lanterns for comfy light that creates a relaxing ambience.

Studio 80 Interior Design

Invest in a bathtub which can help retain heat. Materials like aluminum, brass, volcanic limestone and soapstone keep heat and can help to maintain that sexy bathwater warm while you enjoy the entire new problem of Folks.

Am I the only one that gets a Folks from the mail and believes, “Sweet! It is Folks and bath time for me tonight”? Just wondering.

Peter Rose Architecture + Interiors Inc..

Install a steam shower. This is a big-ticket dream-space thing, but everybody I know who’s one appears to think they can’t live without it. I did get an opportunity to test one out at a vacation rental after, and I can report that it was celestial.

Know more about steam showers

Marsh and Clark Design

Consider a home sauna. Historically much more common in countries such as Sweden, saunas are getting more popular in the States.

Know more about home saunas

Andre Rothblatt Architecture

Believe steampunk. Winter attracts dark, moody days. Rather than fighting the moodiness, this designer celebrated it, gorgeous us with aluminum pipes and that conservative high-end tank. (Remember how amazing you thought those were at TGI Fridays in the ’80s?)

Watch more of this steampunk-esque powder room

Tyrrell and Laing International, Inc..

Let in the light. Windows, skylights and a crystal clear glass shower surround take advantage of natural light. If your issue is privacy, research using transoms, acid-etched glass and clerestory windows.

Lohss Construction

Get woodsy. At a ski house, cabin or lake house, it’s part of the adventure to go full scale woodsy in the bathroom. If you like the look, go ahead and get it done in your home, however, do consider whether or not you’ll tire of it, especially during the summer.

Ashley Campbell Interior Design

If you would like to really go “woodsy light” instead, give the forest a nod rather than a bear hug. Knotty pine walls aren’t a necessity — you can get your woodsy on with beautiful fabrics that reveal branches and trees, plus a wood-framed mirror and other small accessories.

Space Fu – Knockout Interiors

Add a sunny shower curtain. Yellow will liven up a dark winter’s evening.

Atlanta Design Works

Likewise, patterns can cozy up the bathroom.

Studio William Hefner

Add a fireplace. This is one of the most luxurious bathroom features I can envision. The first time I saw one or heard of it had been in a house that had belonged to a Harlem Globetrotter. (And now I am doing their whistle …)

actually, should I win the lottery, then this is the first bathroom design move I’m going to make.

Tell us : in the event that you won the lottery, do you use one of the luxurious ideas listed here to warm up your bathroom? Let us know in the Comments section.

More inspiration and bathroom remodeling guides on

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