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Author Archives : Garth Gregory
4 Ways To Prepare Your Home To Go On the Market
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Are you looking to put your home on the market? Before you hire a realtor, it’s important to make sure that you have a home that will interest buyers and help you sell as fast as possible. Use these tips to help you prepare.
- Remodel the Bathroom
These days, more people are looking for homes with luxury bathrooms that lead to better relaxation. If your bathroom is a standard one, you are less likely to get the money you want for your home. Look for someone who can perform the bathroom remodel Seattle that is right for you. Consider adding heated towel racks, heated flooring, and a walk-in waterfall shower if you can. These types of luxury amenities raise the value of your home and gain the interest of more potential buyers. There are things you can do even if you can’t afford a major remodel, too. Any bathroom can be made to look more appealing with new countertops, sinks, and vanities. A new coat of paint and reglazing the bathtub are also affordable ways to update the bathroom before you try to sell your home.
- Create Some Curb Appeal
The first thing that potential buyers are going to see is the front of your house, your lawn, and your driveway. Each of these things should be impeccable to ensure you maintain the interest of buyers. There are several things you can do to create more curb appeal for your home. Start by using a power washer to scrub dirt and grime off the outside of your house. Be sure to wash the outside of your windows as well. If you need to, repaint your home’s siding. If you’re on a budget, even something as simple as repainting only the door can help add curb appeal.
Next, focus on your lawn and driveway. Remove any leaves, dead plants, and branches. Trim shrubs and trees as needed. Mow the lawn regularly, especially while your home is on the market. It’s also a good idea to plant some flowers. Finally, spray down any pathways and your driveway to make them look more presentable.
- Depersonalize Your Home
If you’ve spent a lot of years living in your current home, chances are that you’ve collected wall art, personalized home decor, and a range of other things that make your home look like it belongs to your family. The problem is that no matter how appealing your home’s decor is, it’s much harder for potential buyers to imagine themselves in a home that’s obviously lived in. One of the best things that you can do (and the most affordable!) is to declutter and depersonalize your home. Pack up all your home decor, kid’s projects, and other items that show off your personality and put them in a storage unit. If you have bright or dark walls, it is also a good idea to paint them a more neutral color. Change out your lived-on furniture for something more neutral as well. This way, it’s easier for buyers to imagine how they’d decorate the space themselves.
- Hire Someone To Perform a Home Inspection
Potential buyers are likely to inspect your home before purchasing it. If you have a home inspection done before you put your home on the market, you’ll know where you need to make repairs, how you can negotiate pricing with potential buyers, and what to expect overall.
A home inspector will check both the outside and inside of your home. Outside, he or she will ensure the roof is intact and that gutters work properly to push rain away from the home. He or she will also ensure all structural components, including the foundation, windows, and doors are safe and free of cracks or gaps. Inside, the inspector will check your HVAC unit, including the furnace, and test your plumbing and electrical systems. He or she will also inspect the attic and its insulation, the walls, the ceilings, and the floors. Finally, the basement will be inspected as well.
Conclusion
With so many homes on the market, it’s important to make yours stand out. The right amount of curb appeal along with a little elbow grease on the inside will bring in potential buyers and keep them interested.
Why You Should Clean Your Carpet
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Carpets usually make the room warm, whether in the living room or your bedroom. When you want the room to be friendly, you also need to make sure you buy a carpet that is fluffy and warm enough so that the whole room gets warm and so that you could be able to sit on it as you watch your favourite movie or as you chill with your partner and friends by the fireplace. However, having a carpet can be so hard because it gets dirty so fast and accumulates a lot of dust which can lead to asthma and allergies. You need to clean your carpets as often as possible to avoid diseases. Like me, I always go to the carpet cleaning near me because I find it hard to wash my carpet all by myself.
Some of the advantages of cleaning your carpets are;
- It makes your carpet last longer
When you don’t clean your carpet as often as possible, it looks old and dull. When this happens, your home will not have the vibrancy it had when you bought your mat for the first time, and it was shining. Regular vacuuming is a way of removing dirt but it doesn’t necessarily make your carpet clean. To make sure your carpet is completely clean it needs to go through steam cleaning. Additionally professional carpet cleaners have the right tools to clean the carpet and make it shiny.
- Ensures you are free from illnesses
In case you are a person who has allergies or asthma, it is essential to clean your carpet because dirty carpets can carry a lot of contaminants which you end up breathing. When you want to be safe from this, take your carpet to the professionals for them to do a fantastic job of making your carpet safe.
- Enhanced airflow
It is pretty unbelievable, but when you have a dirty carpet in your room, the air is not clean. When the rug is dirty, it also ends up making the room stuffy which is very primarily unpleasant when you have guests around. Even if you vacuum your carpet regularly, it doesn’t remove all the dirt particles in the carpet, and this is why you need to have it cleaned, even if it’s once a month with occasional vacuuming.
- It prevents the accumulation of mould
If you live in a place with high humidity, it is evident that there will be mould growing. Mould can be caused by water that doesn’t get cleaned up immediately. Also, when you vacuum your carpet and leave water on it, it may lead to mould growth. When you vacuum your carpet, make sure you dry it, and if you are taking it to a cleaner, make sure they dry it.
Conclusion
When you have a carpet, make sure you take it to the cleaners daily to ensure you are safe from any disease. So make sure you take your rug to a professional so that they can clean them well with the required tools.
What should investors in debt funds do as yields start rising?
12:21 pm
While investing in the market, you come across mutual fund schemes as one of the possible investment options among several available. But before deciding to invest in a mutual fund scheme, it is important to remember that mutual funds are not a monolith. There are numerous types of mutual funds available in the market. One of them is debt mutual funds.
If you don’t know what debt funds are, don’t worry in simple terms, they are a subcategory of mutual funds that generate income in securities that are known for generating fixed income. These securities include things like corporate bonds, government securities, commercial papers, treasury bills and numerous other money market instruments. These instruments come with an already decided maturity date and the revenue earned from these schemes is usually not affected by the market fluctuations.
In debt funds, a debt fund manager usually invests in assets after studying the credit rating of an asset. A high credit rating is indicative of the fact that debt security has a higher chance of repaying the interest and principal. Apart from that, the manager regularly aligns the investment strategy as per the interest rate movements.
Regularly, investors usually redeem their debt investments when the revenue earned from the scheme is high and opt for an equity fund. However, instead of redeeming your debt fund, you can do the things listed below:
- Continue investing in debt funds:
One of the first options you should consider is to continue investing in the debt fund scheme. It is understandable when your yields show growth, you are tempted to redeem your debt fund and look for other investment avenues. While yields rising may have some impact on an investor’s net asset value (NAV), there are numerous advantages to keep investing in a debt mutual fund scheme. Consider this scenario. You are currently experiencing growth in your debt fund investment. You may be tempted to redeem your debt fund scheme. But before, going ahead and withdrawing from the scheme, you should determine whether the benefits of redeeming the debt fund outweigh the benefits of continually investing in it. If you were to continue investing in the debt fund, you may enjoy tax benefits.
- One may opt to invest in commodity funds:
Commodity funds are known for investing in raw materials i.e., primary agricultural products, that are referred to as commodities. They invest in things like precious metals, such as gold and silver, agricultural goods, such as wheat and energy resources, such as oil and natural gas. Moreover, commodity funds may also invest in the companies that produce the commodities mentioned above. They come with advantages like potential financial growth, protection against inflation and portfolio diversification. However, as is the case with all types of investment opportunities, commodity funds carry some risks and may not be right for every portfolio. For example, commodity markets can be volatile and therefore they can expose investors to the possibility of considerable price fluctuation. Moreover, commodities and even commodity companies are also exposed to things like political, economic, foreign currency and exploration risks.
- Consider Investing in an NFO:
When an AMC issues units for the first time or raises fresh funds for a new theme, it is referred to as an NFO i.e., a new fund offering. Most of the time, retail investors prefer an NFO over buying mutual funds via the continuous window from the AMC. In recent years, SEBI has become stricter with respect to the criteria for issuing NFOs and AMCs are not allowed to issue NFOs on duplicate themes. An NFO is issued either because the AMC wants to raise funds for the first time or because there is a new category of fund where the AMC does not have exposure.
If you are still considering redeeming debt funds, you can do so. But before taking any action, it will be better to contact a financial expert.
Disclaimer: Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.
Tips for Making the Property Buying Process Less Stressful
11:47 am
For first home buyers, trying to get a foot on the property ladder can be a stressful experience that is full of unforeseeable twists and turns. Even for seasoned property investors, the evolving nature of the property market can be volatile and unpredictable, making you question if you’re making wise decisions for your property portfolio. Fortunately, you don’t have to do it all alone, as there are companies providing conveyancing in Melbourne who can help you minimise stress and ensure the property buying process goes smoothly.
This article will cover some tips such to help make the property buying process less stressful, such as enlisting the help of conveyancers. Read on to learn more.
Get Specific
The best thing you can do to make buying a property less stressful is to get very specific about the kind of property, features and amenities you want. Be clear on the exact number of bedrooms, and the positioning and size of property you want. Doing so will streamline the process and help you to efficiently filter out many properties right from the beginning of the process. Ruthless prioritisation will also increase the likelihood that you’ll end up with a property you love so you can avoid the “buyer’s remorse” trap that often plagues many new homeowners.
Compromise Where Necessary
In slight contrast to the previous tip, the evolving nature of the property market sometimes means you’ll have to miss out on certain features of a property, at least temporarily, in order to get into the market. While it can sometimes feel disappointing to miss out on a property you’ve had your eye on for a long time, or let go of certain features in order to expand your search, the ability to compromise is an important skill to learn when it comes to buying property. Employing it as another tool in your property search can ultimately increase the chances that you’ll settle on a property. When it comes to housing, there are very few aspects you can control. Adopting a pragmatic approach can sometimes be the only thing you can do to offset an unpredictable market.
Hire a Conveyancer
There are many processes, documents and matters that must be attended to in a timely and accurate manner when it comes to buying property. Sifting through endless documents, familiarising yourself with complex legal and property terms, and liaising with multiple parties will invariably add a lot of stress to your property search. Enlisting the services of a company offering conveyancing in Melbourne is a great way to minimise the time spent reading complex legal documents as well as gain assistance with the transfer of the property title from one party to another.
If you’re buying in an area that you’ve never lived in before yourself, it can help to hire a conveyancer who is a local or knows the area well. The advantage of hiring a conveyancer who is local to the area is the fact that they will understand any unique laws, challenges or requirements that the area may have when it comes to property transactions.
How the internet has changed real estate
8:47 am
Looking for houses was a hassle in the past. One would have to go to an actual agency and get an agent. With the advent of the internet, all this changed. Since there is so much going on online, the real estate industry was also affected. Here are some of the ways the internet has changed marketing for estate agents.
More listings
Unlike in the past, when you would have to walk around looking for the “for sale “signs next to a house or building, you can look at houses online. There are so many listings, and all you need to do is go online and look for a home you want. For instance, you can look up villa for sale Mougins and all the homes in the region will pop up. It makes getting a house and an agent such a breeze.
Social media marketing
More agents and agencies push for their homes online thanks to the algorithms and targeted ads. It is easy for you to be scrolling social media and coming across houses in your area. These targeted ads make it easier for someone who has been thinking of getting a home to know where to look. It also ensures that agents can reach out to potential clients without a hassle.
Better visuals
To ensure you get the best house, agents have put up great visuals online. Since most clients look online before going to a house, first impressions matter. Most houses have been well organized to ensure that clients can easily get to the houses they want. There are even agencies that carry out virtual tours so one can know what house they are getting before making the actual purchases. It makes the entire concept of house hunting easy.
Better price ranges
Since more listings have a price tag, you can easily tell if a home is under or overpriced. Before the era of online listing, agents and sellers would put whatever price they wanted on a house, and one would not have a place they could compare these prices to. If a house was highly-priced, there was o way of knowing that the price should be lower. With online listings, one can get a better feel of the price point and know what range the houses should be in. it has made regulations on house value better, and buyers know that they are getting a house at a good price.
Online buying and selling
Since most agents are listed online, one can buy and sell a house without needing to leave their home. It makes the entire process straightforward people have been able to buy homes away from them. It has made buying land in her countries simpler and fats as well.
The internet has changed how we buy and sell a property since people keep interacting in online spaces. Every industry will be affected in one way or another. Knowing how real estate is affected by the internet helps you figure out how to buy your home as a buyer.
Medford Rent Price Surpasses All Time High In March
5:30 am
Medford’s average rent price has just surpassed its previous all-time high this month. The current average rent price of $2,158 eclipses the previous record of $2,156 set in July of 2020 after stagnating for 18 months during the pandemic. With apartment occupancy nearing all-time highs in Medford, it looks like 2022 will be a banner year for Medford’s apartment rental market.
Medford’s recent rent price growth comes as the neighborhood approaches record high occupancy. The current vacancy rate for Medford apartments sits at 0.67%, close to the all-time low of 0.62% set in March of 2020. Considering there are 5 months left until vacancy hits its cyclical low, that number will continue to push to unprecedented lows as we approach September.
Apartment availability, another key supply metric, is currently 2.8% in Medford. Compared to its pre-pandemic level in March 2019, that is 1.15% lower indicating that the rental market in Medford has never been tighter. Both availability and vacancies metrics suggest that Medford’s average rent price will continue to rise throughout 2022.
Similar trends have been observed throughout the metro area, which has restarted the conversation about the lack of affordable housing in Boston. The 18 months of supply glut we endured during the pandemic may have slowed the urgency to create more rental units in the metro area. Now that the rental market has recovered, it looks as if the city has fallen behind its goal of keeping pace with the demand for more apartments in Boston.
Here is an opportunity to work from home for anyone in 2022
11:44 am
People require personal loans to meet their urgent financial requirements. For this reason, personal loans have become a sought-after financial product. The rapid growth of the mobile banking industry has led to the introduction of banking apps and related apps like personal loan referral apps.
Banks promote their financial products through refer and earn apps by offering anyone a chance to work from home and earn not less than 50K every month. With it, entrepreneurs, students, agents, and housewives can start an online business of their own. If you are looking for the best money-earning apps for android, you don’t have to look further. The IDFC MyFIRST Partner app is one of the most suitable apps to earn extra money online.
How to earn money working from home?
A personal loan referral program is the best way to earn money working from home. If you have a bank account, you can become a partner of the IDFC MyFIRST Partner app and help your family, friends, and colleagues to get a personal loan through the app. If they qualify for the loan and get the loan amount, the referral partner will get incentives for referring them. In the process, you can help them with the loan application and update them on the progress to earn money.
What are the advantages of joining the MyFIRST Partner referral program?
The advantage of being a part of the MyFIRST Partner referral program is you can earn from home. It is the best program for students, professionals, homemakers, retired persons, insurance agents, teachers, and anyone looking for extra earnings. You can earn more than 2000 INR per day by using this new earning app 2022 and referring people. The other benefits include:
- You represent and work for a leading bank in India
IDFC FIRST Bank is one of the top banks with branches across the country. By registering for the referral program on the MyFIRST Partner app, you become a referral partner of the bank. It allows you to build referrals and connect them with the loan-processing team of the bank. They will take care of the rest of the loan process until the amount is approved and paid. You can help get instant loans for your peers or family members.
- Help avail of instant loans during an emergency
With the earn money app download, you get easy access to the app, which offers user-friendly features to assist your referrals in personal loan financing. You can help your prospective customers get instant loans for medical needs, home renovation, education, and travel. The app can take you through an easy documentation process and quick online approvals.
- Zero investment
Most earn money online programs require some investment. Using the MyFIRST Partner app, you get an opportunity to earn from home in India without any investment. The basic requirements are the referral partner should be of 18 years or above and need to be a citizen of India.
- Earn money on each loan disbursement
The referral app helps you earn money by referring to personal loans. The money will be credited to your account whenever a loan is approved for a customer referred by you. The accrued money will be credited to your bank account weekly or every fortnight.
IDFC FIRST Bank is constantly upgrading the MyFIRST Partner App to give the best user experience to its customers. You can download it now from the PlayStore or App Store.
How can financial advisors or insurance agents use a refer & earn program to grow their business?
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With financial planning, you can attain financial independence and ensure greater security. You may be one among those who budget and try to stick to it. Nevertheless, you need to earn enough money to save and invest in securities or keep it aside to meet any emergency. There are money earning apps that help you have a second income. They include refer & earn programs, which don’t ask for any investment.
If you are running a small business as an insurance agent, a financial advisor, or an affiliate partner, you can use a referral partner program to grow your business. IDFC FIRST Bank offers you a great opportunity to earn extra money a minimum of 50K every month by giving referrals for instant personal loans. Using the MyFIRST Partner App, you can help people acquire a personal loan to meet an emergency.
You have the opportunity to represent a leading bank and market its financial products by working as a part-time consultant. Most people, who may be your relatives, friends, neighbours, or colleagues, look for immediate financial assistance during an emergency. There are numerous financial institutions, including banks, offering instant personal loans. It is not easy to find the right bank.
As a referral partner of IDFC FIRST Bank, you can assist them in getting a personal loan at a flexible repayment schedule and competitive interest rate. If you are good at networking, you can make use of one of these best side jobs online for higher earnings. IDFC FIRST Bank requires you to have sufficient knowledge about their loan products and share them with prospective applicants. To earn extra money and grow your business, you need to:
- Become a referral partner or a part-time financial advisor
You can become a referral partner of IDFC FIRST Bank if you are over 18 years and a citizen of India. Furthermore, you are required to download the MyFIRST Partner App and register your name by submitting:
- A copy of your recent photo
- Your personal details such as your name, age, date of birth, address, and PAN Card and Aadhaar Card details
- The scanned copies of your PAN Card and Aadhaar Card, Voter ID, or Passport for identity and address proof
- Your bank account details
You may have to verify the details submitted by submitting the OTP sent to your mobile phone. On confirmation, you can start getting referrals for personal loans to make money online in India easily. You will be paid for each positive referral.
- Build a strong referral network
People trust those who know them well. You generally come across your family members or friends who seek advice on attaining an instant loan to meet an emergency. You can share your experience of acquiring a personal loan from IDFC FIRST Bank or the benefits of applying for a loan through a referral app.
Such people trust you and value your advice when you are in social circles. You can thus build your referrals by putting some effort into networking and through word-of-mouth marketing.
- Help people apply for and get a personal loan
As a referral partner, you need to help your referrals get a personal loan. Using the MyFIRST Partner App, you can fill out the loan applications and submit them with supporting documents for processing and approval of the application. IDFC FIRST Bank looks for the applicants’ eligibility criteria before approval.
Once you have submitted the duly filled loan applications, a relationship manager from the support team will get in touch with the customers and extend complete support and assistance in getting the personal loan.
- Receive compensation for each disbursement
You are paid for the referrals after the disbursement of the loan amount. A certain percentage of the loan amount sanctioned is credited to your bank account. You also earn some exciting rewards.
IDFC FIRST Bank offers one of the best extra income jobs for insurance agents, financial advisors, retired persons, and students, who can associate with the bank by registering with the MyFirst Partner App.
Mark Roemer Oakland Discusses Space-Saving Bedroom Furniture for Tiny Apartments
12:36 pm
Introduction
According to Mark Roemer Oakland, it is crucial to choose your furniture carefully when you live in a tiny apartment where space is a limited resource. This is also true if you want to live a life of minimalism and practice a micro lifestyle such as those who live in streamlined small apartments or even micro-loft apartments. Fortunately, there are tons of furniture options that you can add to your home to utilize the limited space in your bedroom wisely.
The Furniture
Here are a few space-saving bedroom furniture for tiny apartments:
- Consider a bed with storage space – Beds that come with under-the-bed storage options are a must for tiny apartments since the bedrooms in such apartments have small dimensions which can make it difficult to organize too much furniture in the bedroom which can severely limit your storage options.
A large lift bed is the most appropriate option for limited spaces since it not only allows you to store your items such as extra pillows, blankets, accessories, clothes that are out of season, or even shoes but also allows you to organize them more easily. And this way you can even avoid or delay purchasing some furniture even if you have the space.
- Transform the space with a Murphy bed – Murphy beds (wall beds) are always in popular demand among people who live in small studio apartments. Granted, Murphy beds are an expensive space-saving solution, and many people may not consider them a good option.
However, these beds can seamlessly blend into the decor of the room which essentially hides the bed, and thus are excellent to put up in bedrooms that also serve as your home office. There are a lot of design options for Murphy beds and some offer better space-saving solutions that provide you with extra storage.
- Sofa-bed – Sofa beds are an excellent alternative to Murphy beds since they are not as expensive but still serve their purpose for people who live in bedrooms with tiny apartments. These beds can be folded to look exactly like a sofa or a couch that is large enough to seat multiple people. And, when extended, they can open up to become a full-size bed that is comfortable to sleep on without any issues.
Of course, it might not provide the same level of comfort as real beds, but you can ignore the issue when you get used to the soft surface. Plus, these also come with smart storage options that allow you to store items underneath the sofa bed.
- Desk bed – Desk beds are the most unique options but equally effective when you have to save space in your bedroom. These desks can be unfolded to transform them into full beds and folded back to offer under-the-bed storage and a writing surface on top.
Conclusion
Mark Roemer Oakland suggests you only choose furniture for tiny apartments from reputed brands and those models that have a good customer rating. These types of furniture that allow for intelligent storage options can cost a lot due to their engineering and product design, but the quality of the product can vary vastly.