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Milan is the first city in the world to have launched a new sort of tourist accommodation: it’s called Town@House Street. Created by Alessandro Rosso and architect Simone Micheli, who dealt with the interior design, the project turned disused shopping areas to account by converting them into hotel suites. The first four are situated in via Goldoni 33 and were inaugurated during Milan’s Furniture Exhibition.

Important internationally-renowned enterprises such as Fiandre, Iris Ceramica and Technokolla took part in this project, which revolutionized the traditional hotel concept.
The Sassuolo enterprise supplied the laying products while the first two companies provided custom-made cladding materials. Thanks to their hygienic qualities and the number of different shades available, Skycolors grouting products were used to highlight the “Extra White” effect of the panels.

Technokolla’s Skycolors and Skycolors Shine epoxy grouting products become a precious design feature because they enhance both floors and walls with their lively, bright colors, which come in the Gold, Silver, Seashell, Stardust, Moonlight, Blackstar and Marslight shades.
Skycolors and Skycolors Shine add “color” of the cleanest type as they are stain-proof, do not absorb liquids and do not turn yellowish thanks to the special formula with which they are made.

Technokolla also supplied floor and tile adhesives produced with revolutionary technology that considerably reduces the dust emissions, thus ensuring that work environments are more healthful and comfortable. The HD product line also includes the Rasolastik ADV HD waterproofer and R-evolution HD, the first and only hardener that reduces dust emissions.

The Active panels created by Fiandre and Iris Ceramica pave the way to a new generation of materials focused on active sustainability, as they are environmentally sound, non-polluting and antibacterial. When it comes to innovation and care for the environment, Technokolla now proposes Geo, a line of bioecological products made with non-toxic, regenerative materials that are readily available and that cut down on the energy costs sustained for their manufacture. The range includes binders, adhesives, grouting products and dehumidifying plasters, all free from solvents and formaldehyde.

Visit the web site http://www.technokolla.com for more details about the company and its range, which includes bonding products for floors, tile grouting and tile adhesives.

Contacts:
Layoutweb, Layout Advertising Group
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Simona Bonati
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http://www.layoutweb.it

There are many advantages to town house floor plans, particularly for renters and urban dwellers. Years ago, this type of floor plan was known as a “row house.” Townhouses are generally multi-story units that are attached to units on either side give you neighbors living closely together similar to apartment style housing. Once found in abundance in large cities, townhouses can be found all over the country.

Town house floor plans offer more advantages than apartments in several ways. Because they are multiple units arranged in a row, townhouses generally have a single entry per unit and therefore allow for more privacy than living in an apratment building. They also tend to have more square footage of living space per unit than apartments although townhouses are smaller than duplexes. Town house floor plan designs are also more varied than apartments.

Most townhouses are arranged in typical fashion with living spaces on the bottom floor and sleeping spaces on the top floor. The number of bedrooms can vary from one to three and the number of bathrooms generally varies from one to two and a half bathrooms per unit.

While the number of bedrooms and bathrooms can vary, almost all townhouse floor plans have garages,patios and at least one walk-in closet. Kitchen can be traditional, galley style, or in the case of a very large floor plan, an island kitchen. It is also possible to have a fireplace with openings toward both the living room and kitchen giving it an old world feel.

Although townhouses are also known as “row houses”, some current configurations include one unit per side and others have two side-by-side units facing front and two more units on the back side. Whatever your choice, town house floor plans offer a wide variety of options for singles, couples and small families.

You may have heard your friends and family talking reverse mortgages. There have also been a lot of television commercials offering information about reverse mortgages and reverse mortgage companies. Yet, with all of this talk going on about FHA insured reverse mortgages and what they mean to you, what exactly is a reverse mortgage?

A reversed mortgage is designed specifically for homeowners who are age 62 and older. Through this product, you can receive loan money from your home in the form of a lump sum, regular monthly checks or a line of credit. The money is typically repaid with interest when you sell your house, permanently move away, or pass away.

Reverse mortgages are getting to be more and more common these days. Why? Reverse mortgage loan advances are not taxable, and generally don’t affect your Social Security or Medicare benefits. You retain the title to your home, and you don’t have to make monthly repayments. The loan must be repaid when the last surviving borrower dies, sells the home, or no longer lives in the home as a principal residence. Unlike a regular mortgage, the homeowner makes no payments and all interest is added to the lien on the property.

There are three types of reverse mortgages:

• Single-purpose reverse mortgages, offered by some state and local government agencies and nonprofit organizations

• Federally-insured reverse mortgages, known as Home Equity Conversion Mortgages (HECMs) and backed by the U. S. Department of Housing and Urban Development (HUD)

• Proprietary reverse mortgages, private loans that are backed by the companies that develop them.

Single-purpose reverse mortgages are the least expensive option. They are not available everywhere and can be used for only one purpose, which is specified by the government or nonprofit lender. For example, the lender might say the loan may be used only to pay for home repairs, improvements, or property taxes. Most homeowners with low or moderate income can qualify for these loans.

An FHA insured home equity conversion mortgage (HECM) and proprietary reverse mortgages are sometimes more expensive than traditional home loans. That’s important to consider, especially if you plan to stay in your home for just a short time or borrow a small amount. HECM reverses are widely available, have no income or medical requirements, and can be used for any purpose.

Reverse mortgages pay you in a variety of ways. You can receive a lump-sum, periodic payments, a line of credit, or some type of combination. Lump Sum is the easiest. You get the loan balance all at once. Do with it what you will, yet there won’t be more for you tomorrow. If you sign up for a periodic payment plan, you’ll get regular payments. These payments might last for a number of years (10 years, for example), or until your loan comes due (often as a result of your death or your permanently moving out of the home).

If you don’t know exactly how much you’ll spend or how soon you’ll need it, a line of credit may make sense. Some reverse mortgage lines of credit are “growing” lines of credit meaning you may have more and more money available to you as time goes on. Not bad. Can’t decide? You can use a combination of the programs above. For example, you might take a smaller lump sum up front and keep a line of credit for later. This may be a reasonable approach if you need to pay off existing debt with a portion of your reverse mortgage loan.

Reverse mortgages have helped hundreds of thousands of homeowners improve their quality of life in retirement. A Reverse Mortgage can help you retire more comfortably. It can provide you with money when you need it most. No Monthly Mortgage Payments, Easy Qualification, Tax-Free Money and No cash needed for closing costs. Can it get any better? If you’d like to find out how much money you qualify for and if you’re eligible, give us a call at (800)630-0650.

Tim Jacobs
Golden Years Mortgage Solutions
Your Money…When You Need It
www.GoldenYearsMortgageSolutions.com
(800)630-0650
tim@goldenyearsmortgagesolutions.com

Tim Jacobs @ Golden Years Mortgage Solutions www.GoldenYearsMortgageSolutions.com (800)630-0650 tim@goldenyearsmortgagesolutions.com Golden Years Mortgage Solutions is a reverse mortgage approved FHA Lender. We’ve helped thousands of senior homeowners solve their financial problems. Our agents and brokers collectively have over 60 years of experience in Reverse Mortgage Loans and general financial services, including managers who are industry pioneers with more than 12 years of reverse mortgage experience. Our dedication to providing financial solutions for seniors is evidenced by the number of referrals that come from our existing clients.