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
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.
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.
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.
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.
If you’re going to be traveling a long way from home sometime soon, you’re probably already planning things and looking forward to your chance to get away. That’s all well and good, but have you thought about your personal safety and security? These things will need to be near the top of your list of priorities while you’re traveling. Otherwise, you could face disaster.
So which steps should you take to make your trip safe and secure from start to finish? You can find out by scrolling down and reading on right now. It’s even more important to take note of these measures if you’re going to be traveling by yourself.
Have a Secure Spot for Everything Important
As a traveler, you’re probably going to need to take a lot of important things with you on your trip. If you don’t have a secure location in which you can store each of these things, you will end up with a problem. You should know exactly where your passport and other travel documents are at any one time. And you should also have a secret and hidden spot for important things like extra money. Basically, anything that people might be lost or that people might want to steal from you should be protected and guarded very carefully indeed.
Try Not to Look Like Too Much of a Tourist
When you look like the kind of person who’s literally just stepped off the plane, even if that’s exactly what you’ve done, you instantly become a target for the petty criminals in the area. You need to be able to stand out as someone who’s capable of looking after themselves and not being a target. You should try to blend into your environment as quickly as you possibly can. That means being a little more streetwise than most tourists in new locations, so do some research and know what you’re doing and where you’re going before you even arrive.
Use Licensed Transport Only if Possible
If you’re going to be using a lot of public transport and taxis to get around your location, you will need to make sure that these location are properly licensed. If you can do that, you will find that you stay safe and don’t put yourself at risk. But once you find yourself in an unfamiliar location and you start taking rides in unlicensed cabs, you will be putting yourself at risk, and that’s the very last thing you need when you’re trying to stay safe and out of trouble. So always look out for the signs that a taxi other form of public transport is fully licensed.
Find a Secure Place to Stay
Your accommodation will obviously have a huge impact on how secure your stay is as you travel. If you’re staying in an insecure and poorly kept form of accommodation, you will feel even less safe. For long-term stays in Indonesia, you can visit rumahdijual.com/medan/perumahan-murah. And if you do decide to take the hostel route, make sure you only use the best hostels with the most stringent safety and security procedures in place. You need to feel safe where you are, and you won’t be able to do that until you’ve found the right place for you.
Moderate Your Alcohol Intake
If you’re alone in an unfamiliar part of the world, you need to be very careful indeed when it comes to consuming alcohol. You don’t want to be that person who drinks too much and ends up being exploited. There are many things that can go horribly wrong for you if you get drunk and have no one else around to properly look after you and make sure you don’t get exploited or taken advantage of in any way. You could end up being rubbed or worse if you’re not careful, so don’t drink too much in one go and keep an eye on your overall alcohol intake.
Don’t Publicise Your Every Movement
This is a mistake that many modern travelers make, and it’s a particular problem when you’re traveling by yourself. Social media makes it so easy to track every little movement you make. But what if someone wants to know where you so that they can do you harm or steal from you? They’re not nice thoughts but they should definitely be going through your mind. If you do want to post every move of your trip, you should set your social media accounts to private first so only people back home can see.
Make Friends But Be Careful Who You Get Close To
Traveling solo can get pretty lonely sometimes, and you’ll want to make friends while you travel. There’s definitely nothing wrong with doing that, you just need to be careful about how you do it. Find tips on how to do it the safe way at http://www.adventurouskate.com/how-to-make-friends-while-traveling-solo/. There’s nothing wrong with meeting new people and making friends, but you shouldn’t completely trust people right away or get too close to them because you never know what people’s intentions are.
Keep the Number of the Embassy Nearby
If the worst comes to the worst, you’re going to need to visit your home country’s embassy in your current location. You need to know what the phone number of the embassy is and ideally where it’s located. That way, you can get in contact with them right away if you experience any problems. This is where you have to go to if you lose your passport or experience any hassles like that. They should be able to help you out and get you back on track, so even if something like that does happen, it doesn’t need to completely derail your trip.
Nothing is more important than your personal safety when you’re traveling a long way from home, especially when you’re doing so alone. It’s up to you to put these safety and security methods in place, but the pointers above should get you on the right tracks.
Are you thinking about selling your house? Whether this is something you are thinking about doing in the immediate future or several years down the line, you will no doubt want to boost the value of your property so that you can make a larger profit. But what sorts of improvements do actually drive value? There is a lot of misinformation regarding the types of improvements to make. Here are some suggestions you should seriously consider:
- Add a garage – If you don’t have a garage, now is a good time to think about investing in one. Space is a premium nowadays, and storage is one of the most important factors people consider when looking for a new home. You can find out more information about this at armstrongsteel.com. Steel garages are a good choice because they are modern, durable and long lasting.
- Enhance your curb appeal – Remember, first impressions count! When a potential buyer walks up to your property, they need to be impressed from the very start. You can find out more at rulesofrenovation.com. This is why curb appeal is so important. There are a number of ways you can boost your curb appeal, including replacing or adding a house number or sign, adding climbing plants, adding a porch, removing stone cladding, repairing cracked cladding, repainting walls, landscaping, replacing an old garage door, repainting windows and doors, and repointing brickwork.
- Revamp your kitchen – Installing a new kitchen is another option to consider. Is your current kitchen a bit dated? Do you find it frustrating when trying to cook dinner? Is there enough storage? These are the questions you should ask yourself when determining whether a new kitchen is right for you.
- Replace your windows – If your windows aren’t double or triple glazed, it is time for a change. PVCu windows are a good choice because they can be very secure, depending on the installation, of course, and they are energy efficient and easy to maintain.
- Fix all superficial defects – Superficial defects can put potential buyers off. Make sure you deal with any of the following: flooring that is lifting, cracks to plasterwork and ceilings, squeaky floors and stairs, broken or damaged windows, sewer smells, loose tiles, dripping taps, mouldy sealants in the bathroom and kitchen, door latches that do not work, sticking windows and doors, and peeling paint.
- Fix structural problems – Last but not least, fix all structural problems. This includes a collapsed floor, an unstable chimney stack, missing or broken roof tiles, structural cracks to walls, rising damp, and a sagging or leaking roof.
So there you have it: a number of ways you can boost the value of your property. No matter whether you are investing in a new kitchen or adding a garage, it’s important to choose quality. The last thing you want to do is drive down the value of your house because you have cut corners and gone for a cheap new kitchen or poor quality materials.
This post is sponsored by Cars.com
It is inevitable that soon that might your family gets bigger and bigger hence you should consider some things upon the transition on having another family members soon. Thus, you should prepare as soon as today so that it could be all settled up if the new family member’s arrived.
So what are the things you should prepare first?
Well, if you asking me, the least very essentials was the car. Because car is pretty useful hence having a big car is in need to do and you can get them only at Cars.com where all the best and reliable cars in town were house and selling for the cheapest prices. This company offers and even caters a lot of goodies for your convenience. They did have a great insurance included and you can choose a lot of loan options too upon getting a car. Just email them up for more details on how to.
Another thing should be upgraded if the family getting bigger was the house. Of course, it’s reasonable for you to have a bigger house now than the usual you do. Because kids are getting bigger as well and they needed a privacy in certain stage of life hence getting a well roomed house is a must.
Lastly, the food selections really plays a big part. Because you’ll have to get all the nutritional foods available now for the entire family to be healthy and well. Because health is wealth.
Getting engaged should be a fun and exciting point in your life, not a time to worry about money. Unfortunately, it can be a very expensive moment for everyone involved. So much so that you can be put off getting engaged because of all the costs.
It’s time to stop worrying, and start coming up with solutions. Here are a few simple ways you can cut the costs of getting engaged, making it more manageable while also saving money for the wedding itself!
Shop Around For A Good Value Engagement Ring
The price of your engagement ring shouldn’t really matter, as long as there’s a lot of thought that’s gone into buying it. Make sure you do your research and shop around for a ring that looks great, your partner will love, but doesn’t break the bank. As you can see here http://yourdiamondguru.com/reviews/, there are loads of online retailers to choose from, loads. Compare them and find one in your price range, ensuring you don’t pay more than you can afford. This could save you a good few hundred dollars, if not more!
Skip The Engagement Party
It’s common these days for people to host an engagement party when the question has been popped. It’s seen as a nice way to celebrate the situation with friends and family, but can be quite expensive. You’ve got to pay for the venue, food, and whatever else you might have in mind. For me, this should be something you do when you’ve got the money going spare. If you don’t, then you should skip the whole engagement party idea. Or, you could consider having a much smaller celebration instead. As it mentions here http://www.yourengagement101.com/engagement-party, keep the guest list small and host it at your house. This stops you having to pay for anything substantial, which will save a lot of money.
Be Spontaneous With The Proposal
Lastly, think about the proposal itself. A lot of the time, people will plan this for months and aim to do something massive with it. This might mean going to a fancy restaurant or paying for a weekend away somewhere nice. Either way, it can cost a fair amount of money just to set the engagement up! Instead, why don’t you be a bit spontaneous? Don’t pay extra to set the scene, pop the question when they least expect it. Even something simple like going for a nice walk after a date will make the perfect setting for a proposal. You can save loads of money, and have just as nice a moment! If you’ve got no ideas, why not have a look at some here http://www.everythingengagement.com/free-marriage-proposal-ideas.html.
By saving money on your engagement, you set aside cash to help pay for the actual wedding. After all, this is the most important part of getting married! So, if you’re reading this with an engagement in mind, follow my tips, and you’ll make it far more affordable.
You folks need to bulk up now as the winter season is fast approaching and it’s better to have these warmy clothes to avoid being sick the entire season hence getting the best and fashionable winter jacket is considerable for all of us. But other doesn’t really know where to buy them because all they consider for the longest time as the finds locally produce but of course having these local items are good to do but getting yourself an great item in the same price like you usually spend is really you have to look for.
If you are keen to have a great set of winter jacket that you can wear lastly. I really suggest you this BAPE brand as they releases new collection this week ago that composes a lot of fine winter jackets that you can choose from with.
On this BAPE “BIG APE” Fall/Winter Collection 2017 they includes some overcoat and some regular jacket that is padded and perfect for the cold breeze weather that we encounter soonest. Hence , you should get some today in preparation for the severe coldness soon..
For more details about this collection here. You may check Bape main website for the availability and pricing ranges of each of the items.
Are you wondering what is Zaful Double 11(https://www.zaful.com/11-11-sale-shopping-festival.html?lkid=11676538)? Well, “Double 11” means November 11th, which is a day when Chinese people go on massive Internet shopping sprees because many online stores offer huge discounts on this day. In recent years, double eleven has become China’s e-commerce industry’s annual event, and gradually affect the international e-commerce industry.
This is the day for crazy shopping, everything you found is on big sale! This special day should be spread across the globe. So here it is! We invite you to join this insane annual event. If you miss it, you will regret it.
Zaful Double 11 Pre-heat
During our Zaful Double 11 pre-heat, there are several things you could do:
1.Get a coupon and ready for the Double 11, you’ll be able to get coupon codes up to$100 off! These coupons will be activated after the Double 11 events begin. Be smart and win at the starting line!
2.Daily check-in for massive Z points! 50 Z Points = $1. When you collect a minimum of 50 Z Points, you can use them for discounting the order price.
- Some products will be revealed during pre-heat. Can’t wait for that long and want to aim your targets earlier? No problem! This might be the only chance to get them at this price!
Zaful Double 11 begin
To make sure you’ll enjoy your crazy shopping trip in Zaful Double 11, we offer you these things to help:
- Free shipping, no more issues for the annoying shipping fee! Breakdown price zone with everything starts from $1.11! Daily check-in is still available, claim your free Z points.
2.Huge deals of Zaful double 11. All free shipping!
Blackhead Zit Acne Portable Pore Cleanser
USE CODE: ZFDB01 to get this with$3.5
CAFELE 4 in 1 SIM Card Adapter Micro + Dual Nano Kit with Eject Pin
USE CODE: ZFDB02 to get this with$0.1
Charging Cable with 14cm Length for Xiaomi Miband 2
USE CODE: ZFDB03 to get this with$0.1
More deals are waiting for you during the Double 11 sales. Please keep in mind! It is time to get serious. In fact, so many decent products with a breakdown price is really rare, don’t you agree? Seize your opportunity!
When planning for your big day, you’d be forgiven for suffering a mild panic attack and reaching for the brown paper bag with your sweaty palms. The list of things to organise if never ending and even though you have set a date for next year, you know how quickly time passes by. Marrying the love of your life should be the most memorable day of your life. By putting into motion your preparation early, you should be able to account for every eventuality and potential blip.
While you may have planned out what needs to be organised, you may be a little more perplexed by the specifics. You know you need to sort out your dress, but what look are you going to go for? You need to arrange your entrance to the wedding venue, but are you going to select a traditional classic car or choose something a little more kooky like a motorbike and sidecar or a hot air balloon? The possibilities are endless and your choices, from the wedding cake to the table decorations, will make your wedding wholly bespoke to you and your partner and create a memorable day for all of your special guests. If you want to forego the traditions and investigate less conventional options for your big day, take a look at these ideas to give you some quirky inspiration.
When it comes to the wedding reception, it goes without saying that you need some music. You could, of course, source a typical wedding DJ to belt out some classic romantic songs alongside some cheesy pop. For a more personalised approach, you could even ask each of your guests to write down their favourite song of all time when replying to invitations. When you’ve received back all of your RSVPs, you can make a playlist of all of the songs and hand this to your DJ to play. This way, you’ll ensure that people are up on the dance-floor throwing some shapes to their favourite tracks.
Live bands are also a great way to express your music tastes. If you love jazz, you could source a funky old school band. If a particular artist means a lot to you as a couple, you could secure the services of a top quality tribute act.
To think totally outside the box, you could take your first dance away from the romantic slow number and go flash mob style alongside your best man, bridesmaids, and parents. No one would forget your wedding in a hurry.
After the ceremony, there is an inevitable lull as people congregate at the reception venue, waiting for the traditional photographs to be taken, the wedding breakfast to be set up and for the bride and groom to freshen up. There’s a lot of loitering and polite small talk amongst your guest. To prevent them from getting bored, and to add another element of fun to your day, why not consider hiring a photo booth from a specialist company such as Booth Boy. These inventive little cubicles can be set up in your venue easily and contain a variety of high-quality props to create visually stunning and fun shots. Break away from tradition and get some photos of your wedding guests at their most carefree.
You could also think about sourcing some mammoth outdoor games like giant Connect 4 and Jenga to pass the time as people wait outside your venue on a balmy day. These games can also be utilised long into the evening as your guests mooch around and enjoy the ambience of the setting.
Are you going to have a sit down meal or a buffet type eating experience? Either way, you don’t have to go down the prawn cocktail or vol-au-vents route. Think about your favourite food or a meal that you had with your partner that was special and emulate this for your guests. It could be the first meal you had together, the awesome cuisine you had on your first vacation together, or it could be the first meal that your spouse ever cooked for you.
Every wedding has got to have a cake, or two, or fifty. Depending on whether you are going traditional three tier or contemporary cupcakes, your choice of sweet treat can elevate your wedding from normal to extraordinary. You may want to consider places, hobbies, colours and words that mean something to you as the happy couple. If your partner proposed on the beach under the stars, emulate that in your cake complete with fondant figurines. Theme cakes are becoming more popular as people shirk away from tradition and opt for the more bespoke. Don’t feel that you have to go for the dry old fruit cake that seems to be par for the course at weddings. If you love red velvet cake, get someone to bake it. If lime and coconut is your sponge of choice, go for it.
The Ultimate Personalisation
When sharing your nuptials with your nearest and dearest, it’s great to add those corny touches. It wouldn’t be a wedding day without them. Set up a projector and as you and your guests are chomping on your wedding breakfast show them a slideshow of your lives and how they became intertwined. Begin with photos of both of you as children, followed by adolescence and uni days. Then move onto all of your happiest moments together, all culminating in the time when your new spouse took a selfie of the two of you, and you were photo bombed by a goat.
Telling your soulmate that you are going to spend the rest of your life with them in front of your family and friends is special. You only have one chance to get it right, and you don’t want the shackles of tradition preventing you from achieving the wedding day of your dreams. Allow yourself to think outside the box and be inspired to go for the unconventional option when planning your big day.
Jeulia Gold-Tone Heart Design Round Cut Created White Sapphire Women’s Wedding Band
Looking for the classy and lovely wedding jewelry & cheap wedding rings to have? if so, why not to get them at this online cheap wedding rings store called Jeulia. Yes! all the fancy rings and even other type of jewelries are selling over here in there reasonable prices hence no doubt why people are keep on suggesting this shop to their loved ones, friends and colleagues. I actually pretty pleased on their items especially on the pricing ranges because this was my first time to see such elegant wedding sets for just only a 200 bucks which is a rarely finds, isn’t? and they did have some others too like necklaces, bracelets and even some headpieces that are pretty cute to wear quite sometimes. Go check the shop yourself now and see on how lovely their selling items were!
Jeulia Two Tone Created White Sapphire Women’s Wedding Band
Also, to the couple who had planned already to hold an engagement party to announce heir upcoming wedding. This shop is really a perfect for you to get your engagement rings as they have a wide array of selections for this and am telling you that you can amazed on what the shop can offer you!
Jeulia Two Tone Infinity Round Cut Created White Sapphire Women’s Wedding Band
If you dont have an idea on what to get for your fiance. I will then suggest you to get this infinite two tone ring here because this kind of rings are the mostly considered and usually picks for this shop and Jeulia has all the finest two tone rings available today in the market hence you should get them now to make your partner feel special and felt your love. But of course, if you didn’t find this ring best suits on your taste, you are really welcome to dig in the shop and find the perfect ring sets for both of you! No worries, as the shop has a bunch to offer..
Model Model Fullcap Drawstring Half Wig – Paloma
This is a sponsored post. All opinions are mine
Let us face it, a beautiful woman makes a bigger impression than a plain looking woman. On top of that a woman with luscious hair will be noticed first when next to a woman with bad hair. There was a time when wearing a wig was uncommon and women would just spend lots of money going to a salon to have their hair cut in the latest hairstyle or have it permed. Hair is our crowning glory and a lot of people spend a lot of time making a fuss over it. Good thing that nowadays anyone can wear a wig whenever they want to. It is a given though that the wig should look real so the quality of the hair piece is important.
Wigs, hair replacement systems, extensions etc. can now be purchased anywhere. There are many online stores where you can buy them and one of the more trusted store is Divatress, a leading e-commerce company committed to becoming the most loved wig retailer on the web. No matter if it is weaves, lace front wigs, half wigs, wigs, braids, ponytails etc., Divatress can provide it for you. Divatress offers thousands of wigs and black hair care products from brands like As I Am, Black & White, Creme of Nature, Dark & Lovely, and Hollywood Beauty among others.
Divatress has a vast selection of half wig that will help meet your style wants and needs. Whether you want a fuller hairstyle for a special date or night at the town or want bigger body and style for your everyday look. Any woman will look fabulous whether they are wearing human hair or synthetic half wigs as long as they are from Divatress. Among the types of half wigs they have are drawstring and quick weave which you can wear into a ponytail or when your hair is down. Divatress’ half wigs will help blend into your natural hair color so it is not obvious that you have a wig on.