Sumathi Narayanan Realty - Shrewsbury MA Real Estate, Grafton MA Real Estate, Ashland MA Real Estate


Furniture pads are materials that are used by movers or individuals to cover the furniture to prevent nicks, scratches, and dust during a move. 

They are also called moving pads or moving blankets and are usually wrapped around furniture and secured with tape or rubber bands to keep them in place. Furniture pads can be purchased for personal use, rented from moving companies/truck rentals, and provided by professional movers when employing their services for a move. 

Furniture pads can be self-made too by using thick blankets and comforters. The downside to this method is that the blankets and comforters might not be reusable after the move. 

Reasons to use furniture pads:

It protects furniture 

It protects furniture from dirt. The furniture, moving from the old home into the truck to the new house, can quickly accumulate dust and other forms of dirt over the course of the journey. Hence the need for furniture pads.

It protects the floors 

It protects the floors of the home from getting scratched. Dragging heavy furniture like dining tables and chairs, which are too heavy to be carried across the floors will ultimately lead to defacing the surface but with the use of furniture pads, the floors are protected, and the base of the furniture is also protected. It also protects the paint on the walls of the house from getting scratched and peeled off.

It makes moving easier 

Moving heavy furniture becomes a lot easier in that rather than using a cart to move the furniture around, the furniture can be easily slid across the floor from place to place.

It prevents breakage 

It protects the legs of furniture like tables and chairs from damage since the legs of the furniture are known to be fragile. Adding extra padding will keep them sturdy during the transition. 

It acts as a buffer 

It acts as a buffer between various furniture in a moving truck. When your furniture is loaded into a truck and is in transit, it is inevitable for these pieces to move from side to side, bump into each other and scratch against other items. This movement can cause the wooden furniture not only to lose its quality but to also result in it reducing into a pile of dust. Using furniture padding prevents this and ensures that furniture is moved from one end to another with no scratches.

Furniture pads should be used during a move since they protect your furniture and the places they come in contact with from being damaged. In fact, it is a necessity as they also help to avoid the stress of discarding expensive furniture and having to buy more.


In today’s world, a more significant number of people work non-standard schedules. These new schedules can be anything from weekends and early mornings to completely nocturnal. Most alternative lifestyles are easy to plan for and work well with standard home designs, but overnight living requires some extra design work and planning. This article contains some tips to make your backward schedule easier on your body and your daytime family if you have one. 

Design Ideas to Help You Sleep

One of the first things you need to do is invest in full-coverage blackout curtains and curtain rods. Full coverage curtain rods curve around the outside of the window instead of just going straight across. This allows the curtain to wrap around the window and touch the wall on both sides, blocking the majority of the light from outside. You can improve the ability to hinder light even further by attaching snaps or Velcro to the edges of the curtains and the wall and securing the curtain flat along the sides of the window. Getting the right curtains is necessary. You can double up on usefulness by getting insulated blackout curtains that block both light and temperature, helping keep your cooling and heating costs down.

Keeping Up the Sleep Cycle

It's essential to have clear “going to bed” and “waking up” routines that you use every day to keep yourself on track. Doing the same activities each morning before you go to sleep will help create and maintain habits in your brain, telling it that its time to increase your natural melatonin levels. In the evening when you wake up, having a similar waking up routine can help your brain increase your cortisol or “wake-up hormone” levels. 

You can manage your sleep and waking hormones artificially as needed, especially if your schedule changes regularly, by using taking low doses of melatonin 1-2 hours before you want to go to sleep. Taking a dose of melatonin tells your body its time to start producing it. Between the synthetic melatonin and your body’s natural production, you can manage your own sleep cycle and switch it up as needed by just changing what time you take the melatonin.

Maintaining Relationships and Health

It's critical to ensure that if you have daytime family members or other relationships, you are awake for at least some daytime hours to maintain those relationships. This is where artificially adjusting your sleep schedule really comes in handy. It's also necessary to keep your Vitamin D levels high enough. One of the riskiest parts of being an overnight worker is that you don’t get enough sunlight to create enough Vitamin D for your body. You can efficiently resolve this by ensuring you take high doses of Vitamin D regularly. If you are concerned about taking high dose vitamins without the input of a doctor, you can get exactly the right amount by asking your healthcare professional for a blood test to determine your current levels.

Shopping for the right home to support your overnight lifestyle can be tricky. Make sure to let your real estate agent know about your overnight needs to get the best property for your lifestyle.


Most of the activities at home happen in the living room, so it is usually a part of the house that gets a lot of interior design attention. A luxurious living room must also be relaxing and comfortable so that people can sit to enjoy the company of one another. Also, your living room design is a reflection of your personality; therefore, it must be beautiful and luxurious. Whether you like a modern, retro or contemporary design, here are five interior designs ideas for your living room.

Create a Focal Point

Creating a focal point in the living room is an excellent idea. It can be a beautiful view from a large picture window, an attractive piece of art, or a peaceful fireplace. A focal point will always attract the attention of people, and most of the furniture choices will complement the centerpiece. You must make sure that your living room is not cluttered which defeats the purpose of creating a focal point. 

Lively colors can set a luxury mood

Another cool way to brighten up your living room is the use of color to create a lively atmosphere. Here's how to set the mood with your living room’s color. •Use a tone-on-tone palette to give your living room a soft and sophisticated appearance•Deep, dark colors can make a large room feel cozy•Make your living room feel calm and relaxing with pale blue and white colors

Living lighting is also important 

Your living room's lighting should create a comfortable and relaxed mood. Proper lighting in the living room indicates luxury and glamour. Layer lighting is the best because there is even distribution of illumination. For instance, a table lamb that focuses the light down will lure people into sitting down to relax. Also, you have more control over the mood of the room with dimmer light to set the mood as required.

Arrange the Furniture for Cozy Conversation

Set your living room furniture in such a way that those seated in the living room can see one another and can discuss without having to raise their voices. 

Wallpapers can reflect your style and personality 

A wallpaper with a chic print will bring a feeling of luxury, warmth, and texture to your walls. Also, you can also decide to make your living room look beautiful and classy with architectural trim works. Another cool way to use your living room wall is by hanging beautiful works of art and attractive family picture frames.

Make your living room feel luxurious today with these few tips and see your living room come alive!


In real estate terminology, you may hear about various ratios and where you need to fall within the ratio to qualify for the home you want. A ratio simply expresses a relationship between two values: they compare two things, so a student/teacher ratio might be shown as 18:1, or one teacher for every 18 students. Different ratios apply to residential home buyers, investors, sellers, and lenders, but here are a few that might apply to you.

Loan-to-value or LTV

A comparison between the amount of a mortgage loan and either the home’s purchase price (for new buyers) or its appraised value (in a refinance) is its loan-to-value ratio. Lower LTVs typically qualify a buyer or homeowner a lower interest rate because there is less risk of default to the lender. So, a conforming mortgage with 20 percent down often garners a lower rate than an FHA loan with only five percent down.

Higher LTVs place more risk on the lender so if the market drops, the home could be “upside-down” or worth less than the amount of the mortgage.

Debt-to-income ratio or DTI

More important to home buyers is the debt-to-income ratio. Also called a debt-service ratio, it expresses how much money the borrower makes monthly compared to the monthly ongoing debt payments and obligations. A lender uses this figure to determine how high a mortgage payment you can handle. The first number is your income (gross) from your job, plus any other income that can be counted such as child support or a trust disbursement that you can use to make your mortgage payment plus taxes and insurance, and if applicable, association dues.

The second number uses the same calculation as the first plus any long-term debt such as a vehicle or school loan and consumer debt. This amount is the percentage of your income used to pay housing and long-term debt. So, a ratio of 30:37 (also written 30/37) means you spend 30 percent of all your income on housing with no more than seven percent obligated to debt service. That leaves you with 63 percent of your income for food, auto insurance, medical bills, clothing, and other expenses. Qualifying ratios adjust over time, but the Federal Housing Administration lists the qualifying ratio and the formula to determine it to qualify for an FHA loan.

Price-to-income ratio

Your DTI comes from your personal debts and income, and the LTV comes from a specific home's value, but the price-to-income ratio expresses the affordability of housing in a given locale. Most often, it is the ratio of the median home price to the median household disposable income. This ratio helps you determine if the home you want to buy is overpriced (it will be hard to sell) or under-priced (super good deal) for its geographical location. Lenders use this ratio as one additional factor in determining risk for that specific home.

To learn where your ratios fall and to determine if an area is right for your household budget, let your local real estate professional guide you.


One of the most satisfying aspects of being a new homeowner is the process of "making it your own."

That could include everything from painting walls and hanging pictures to replacing window treatments and assembling shelves. (Then, of course, there's the unpacking, furniture arranging, organizing, and room cleaning!)

For some people, one of the biggest challenges in getting unpacked, set up, and fully decorated is keeping their motivation high. While momentum is usually highest during the first few weeks of living in a new home, a lot of distractions, interruptions, and competing priorities can quickly vie for your attention.

In addition to using good time management skills and setting self-imposed deadlines for getting projects done, here are a few other strategies for staying on track with your decorating and home improvement goals:

Purchase needed supplies ASAP: It's easy for a project to get derailed or put on the "back burner" when you don't have all the tools, supplies, and materials you need to get started. Painting walls and ceilings is the perfect example because you can't get fully underway until you have a variety of brushes, rollers, paint trays, drop cloths, painters' tape, and a sufficient supply of paint -- often more than one color. If you have holes or cracks to fill, you may also need additional supplies like joint compound, a putty knife, and sandpaper. When you have immediate access to all the supplies you need for a particular project, it eliminates potential delays, excuses for getting started, and interruptions in your work flow.

Arrange child care: Sometimes the best approach to keeping your children supervised and entertained while you're working on the house is to hire a responsible teenager to babysit. If you have one or more older children in the family who can help take care of the younger ones for a few hours, then that's even better. In either case, you'll be able to stay focused on the task at hand and get a lot more accomplished.

Make it a priority: The problem with continually postponing a home repair, a landscaping task, or a painting project is that weeks can easily turn into months! Before you know it, years have gone by and you still haven't organized your basement, cleaned out those clogged rain gutters, or applied a fresh coat of paint to your outdated bathroom walls. By blocking off a specific period of time for getting a project underway or completed, you'll be accomplishing your home maintenance goals and beautifying your home faster and more efficiently.

Commit it to writing: When you write yourself a reminder note, create a to-do list, mark it on your calendar, or even text your spouse about your plans to tackle the project on Saturday, you've increased the probability that it will get done. Verbally telling people about it, such as when they ask you what you're doing this weekend, will also help fuel your motivation and nudge you to get the job done in a timely way!




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