Shoot Queue

I known mostly teens out there are pretty much excited for the releasing of this good finds in which worked by two awesome brands today, the NIGO & G-SHOCK. Actually, this isnt shocking at all as the brand Gshock used to released such neon colors made of watches hence I am not that stunt to these new collection but overall these watches are still worth to get.

I supposed the pink were for gels while the green apple one was supposed for men. And as i can see it, these were indeed in quality as the material used were also be lasted for some good years like what gshock usually do. Actually, these watches were made for their both anniversary and as for now I haven’t know yet the further details about them as this was only an first news I had got from them but soon enough as all finalized the details am also going to update you all here. But for now, we should just wait for the releasing date and availability of these watches in their respective mortar stores, and even online.

Making improvements to your house adds financial value and enhances enjoyment of your property. You may have bought your home as a renovation project, or simply want to add an extension to increase living space or convert your attic space. Sometimes even maintaining your home when you become a homeowner can be expensive, particularly if you have bought an old property with a leaky roof or subsidence.  Whatever improvement you wish to make there’s no getting away from the fact that it’s going to cost quite a lot of money. Unless you have oodles of cash languishing in the bank, you will probably need to consider funding the project in some way. Here are some of the main ways of raising funds for house renovations.

Huge renovation image

Cash

If at all possible try to pay for house renovations with money you have in savings. This will mean that you won’t have to borrow money to fund renovations, and therefore you will avoid paying interest.

Remortgage

After cash remortgaging your home to raise funds is the most efficient way of borrowing. However to remortgage you need to prove that you can keep up with the increase in monthly payments. You also need to have a certain amount of equity in your home, which in basic terms means the current value of the property minus what is owed on the current mortgage. If the percentage difference is high enough, your mortgage lender may be prepared to release money for renovations as long as you can prove that the renovations will increase the value of your home when complete.

Secured loan

A secured loan uses collateral against your home in order to offer a way of borrowing a large amount of money. Secured loans are sometimes referred to as homeowner loans or second charge loans. A secured loan is ideal for people who don’t have a good credit history as banks will be reluctant to lend money as the have very strict lending criterias.. Self employed homeowners may also have problems remortgaging or securing a bank loan, meaning that a secured loan would be a viable option, particularly if you have only been self employed for a short while.     

Credit cards

If you only require a small amount of funds or if your renovation is small in scale , it may be a good idea to use credit cards to fund the project. If you choose this option be sure to take advantage of the many 0% interest deals that credit cards offer and as soon as the deal ends swap your balance onto another interest free card. This may feel like a juggling act, however interest is very high on credit cards if the balance is not paid off quickly.   

To summarise, always get funding in place before starting any renovation work, shop around for the best lending deals on the market, use your own funds before borrowing to cut costs and take advice from experts such as independent financial advisors.