Roberta Oswald's Blog

Posted on 06/12/2022

A beginner's guide to PITI & property taxes

PITI is an acronym for principal, interest, taxes and insurance. In real estate, it's used by lenders to estimate your qualifications for a mortgage. One of the key variables in the formula is property taxes, which vary by location and individual home. But how do property taxes affect your PITI ratio? Here is a basic explanation to help:...

Home Value

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Posted on 06/05/2022

Quick ways to create a rustic and modern living room

A living room with a modern rustic design is one with sleek lines and low profiles of modern design and combines comforting textures of rustic design. In a living room, modern rustic may remind you of a more defined version of eclectic. We'll give you some easy tips to give the space a cozy vibe without compromising on...

Decor

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Posted on 05/29/2022

Vintage home decorations: Timeless & trendy ideas to try

Regardless of your personal design style, there are plenty of ways to incorporate vintage home decorations. Trends repeat themselves over time in interior design, making certain elements – such as vintage accents – timeless. Interested in adding some vintage flair to your indoor space? Here are some tips for decorating with vintage decor: Keep it light with rattan...

Design Trends

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Posted on 05/22/2022

Financial health: How to choose your ideal 15-year mortgage

Mortgages can be a very flustering part of the homebuying process, just based on the sheer volume of available options. Most homebuyers choose the 30-year fixed rate option, as long as they meet the criteria. But what about the 15-year option? What choices are available for homebuyers, first-time and experienced? How do you know which one to pick?...

15 Year Mortgage

Fixed Rate Mortgage

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Posted on 05/15/2022

DIY: How to Create Your Own Surround Sound at Home

Home theaters provide homeowners with a chance to recreate a cinematic experience in the comfort of their own home. If you’re thinking of setting up part of your house as a home theater, you’ll need to pay close attention to sound quality. A surround sound system can provide the best experience that makes you feel as though you’re...

Diy

DIY

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Posted on 05/08/2022

3 Ideas for Small Dining Rooms

Dining room decor can make a significant difference in your experience of the space. Whether you have an open floor plan dining room extending into the general living space or a formal, secluded room, choosing how to decorate is important. As with any room in the home, it's difficult to work with an especially small space. If you...

Dining Room

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Posted on 05/01/2022

The basic elements of farmhouse decor

Both nostalgic and rugged, farmhouse decor is popular largely due to being approachable and comfy. Farmhouse style has several branches including French country farmhouse, industrial farmhouse and modern farmhouse decor. However, all these interior design styles share some of the same basic elements. Here is a simple guide to the basic elements of farmhouse decor: Neutral color palette...

Design Style

Farmhouse Decor

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Posted on 04/24/2022

Marble Décor Ideas Perfect for Any Home

Marble has always been a luxurious choice for interior finishes. However, while it remains an expensive choice, it’s much more accessible and easy to use in everyday homes than before. If you can splurge on marble finishes, the choice can increase the value of your home and create a sense of luxury in your life. Here are some...

Decor

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Posted on 04/17/2022

5 Ways to Preserve Leaves

Preserving leaves can give them new life and give you new creative ideas. There are plenty of crafts you can do with leaves both freshly fallen and preserved, but why not take the best leaves you can find and make them last? Here are several methods for preserving leaves any time of the year so that you can...

Arts And Crafts

Diy

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Posted on 04/10/2022

Key elements of French country design

French country design style is inspired by the elegant and idyllic lifestyle of the French countryside. This style creates a perfect balance between elegance and comfort by combining refined features with more practical, weathered aesthetics. If you're interested in this style and ideas for how to use it in your home, here are the basics: Colors The color...

Design

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Posted on 04/03/2022

Easy Pasta Salad Perfect for a Potluck

Pasta salad is an old standby regarding potluck recipes. Most recipes take less than an hour to make and involve inexpensive ingredients you might already have in your kitchen. However, since pasta salad is such a diverse dish, there is an overwhelming amount of different recipes available. If you’re not sure where to start, here is a simple...

Gatherings

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Posted on 05/04/2022

1670 Kearney Street, St. Helena, CA 94574 is now new to the market!

Listed by Valley Property Sales & Management - DRE# 01386036

Experience this immaculate three bedroom home located in St. Helena on the desirable west side! Close to shopping and world-class restaurants it features a formal dining room, separate office space, gourmet eat-in kitchen with a gas cooktop, custom shutters and gleaming hardwood flooring. This meticulously updated home is perfect for entertaining or just relaxing in front of the fireplace with a good...

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