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Lenders in some areas are tightening their qualifying standards, limiting housing costs to 25 percent of income, down from 33 percent a couple of years ago. That's more difficult for first-time buyers.
Before you take down that wall arrangement — for a paint job, perhaps -- take a picture of it. That'll help you replace pictures later.
Sheets made into cutains look decoratordesigned when you cover the curtain rod with shirred sheeting, too, and finish curtains with a ruffly header.
When many layers of paint must be removed, use a chemical paint remover or an electric heat gun. The gun is neater and less expensive for large areas, but it must be used carefully.
Top investment in the last IS years, says Money magazine, has been housing. In many areas, even allowing for inflation, values have increased twice as much as Standard A Poor's 500-stock index.
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