ways to warm your home when the weather cools down by Christina Henck
HOME EQUITY LINE OF CREDIT No closing costs • No applications fee No appraisal fee
ANNUAL PERCENTAGE RATE
Rate fixed foR 12 months
Broad & Porter Sts. 215-465-2230 | www.conestogabank.com Loan rate shown is subject to change without notice. After the 12 month initial fixed rate period, Loan Rate is variable and based on Wall Street Journal Prime Rate. As of 04/20/2015, Prime Rate is 3.25%. For a credit score of 721 or above, the current rate is 2.99% (Prime minus 0.26%). Loan rate shown includes 0.25% discount for payments automatically deducted from a new or existing Conestoga Bank checking account. If loan payments are not automatically deducted for any reason, this relationship discount will be terminated and the loan rate will increase by 0.25%, resulting in a higher monthly payment. APR = Annual Percentage Rate. Minimum APR = 2.99%. Maximum APR = 18.00%. Satisfactory Homeowners’ Insurance is required. Satisfactory Flood Insurance may be required. Title Insurance is required for loans of $250,000.00 or more. Subject to credit approval. Other terms and conditions may apply. Refer to the complete loan program disclosure for further details. Conestoga Bank NMLS # 488772 MEMBER FDIC
| rowhome magazine
here is more than one way to create a warm space. In the Interior Design World, we consider two types of warmth. The first is aesthetic warmth achieved with accessories, lighting and finishes to enhance a room. The second is functional, physical warmth accomplished with fireplaces and mechanical systems. Consider these solutions for a different approach in revamping your home this season for an inviting living space.
1. Install window boxes – Window boxes are easy to install and are great for city life. Fall flowers can speak to the time of year and add charm. Mums are affordable, and paired with a couple potato vines, they make the perfect fall arrangement. 2. Address interior lighting Every bulb you buy has a scale on the back of the package that tells you the color temperature. The Kelvin Scale ranges from 2700-6500 (warmest to coolest). Choose 3000 – 3500 for year-round use to add a soft, friendly glow. In colder months, add visual warmth with a range of 2700-3000.
3. Texturize - For physical warmth, consider more than weather stripping to warm your home. Hang curtains over windows to block drafts and add insulation. Curtains can change seasonally and will give multiple looks when you need a fresh change. Choose colors like yellows, oranges and reds during cooler months. Velvet and chenille are fabulous fabrics for colder seasons. Think outside the box this year. Cityfriendly ideas that are tasteful and more subtle than fake maple leaves and scarecrows will set your home apart. The goal is to make your house aglow in a modern, fashionable way. prh
Designing for you Christina Henck, Henck Design