• December 14, 2017 /  Garden & Park
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    Because of population growth we usually find out that we dont have enough garden space. However, you can still have the garden that you want with the use of garden planters. Planters enable you to grow ornamental plants in your home. There are many plant containers that are available today and they usually come in various colours, shapes, designs and styles. With the use of planters, you can place flowering plants inside or outside your homes.

    Choosing a Planter

    One of the things you should consider before purchasing a planter is how they are going to look inside or outside your house. You should also put in mind the plant that is going to be transplanted and decide which type of planters would match to those plants. Although appearance is important you should also put into consideration whether the type of planters will support the growth of your plants.

    One of the most important factors to consider is the size. Size does matter for two reasons. First, big shrubs cant grow in smaller pots unless it is a bonsai. Secondly, you cant place large planters in the corners of the smaller rooms. When you are planning to buy a planter you should always choose the appropriate size.

    Setting Up a Terrace Garden

    If you dont have a backyard or lawn but have a terrace, you can set up a terrace garden of your own. You should always bear in mind the theme that you want to emphasize before buying a set of planters. Even if you are only planning to set up a simple shrubbery, having a good set of planters that harmonize with each other will make your terrace look majestic.

    When choosing a planter you should always choose quality before anything else. Planters that have poor quality will easily crack when it is under pressure or even with slight movements. There is also a probability that they are going to break when sudden changes in temperature occur. If you want to set up a terrace garden without taking too much time in maintenance, you should invest in more sturdy containers.

    You can find planters in your local store and it comes in various styles and designs. You can search the internet beforehand in order to get a good picture of the right type of planter for your plants. Once you have completed setting up your terrace you might be surprised that your simple terrace has been transformed into a majestic courtyard and became an ideal place to rest and relax.

  • December 13, 2017 /  Feng Shui
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    People are wiling to try all sorts of things if they think that it may help them to win the lottery and one lady has suggested that practising the ancient art of feng shui can help.

    Eileen Chen who has been a practioner and a fan of of feng shui for over 10 years claims if that applying the same principles can improve ones chances of a lottery win. She began to read up on Bazi which is an ancient form of divination based on birth date and time. She says it can have an effect on a persons luck and character. She believes a combination of Bazi and Feng shui is good.

    Mrs Chen was speaking to the Star Online about applying these principles when setting up a new home and applied it to decor, furnishings and layout. and believes it has great impact on her mood, well being, finances and energy and also

    Lotto fans may feel like trying anything if it will raise their chances of a big win playing something like Italian SuperEnalotto – and one person has claimed the ancient art of feng shui can help.

    Eileen Chen says:-

    -If there is no indication in a person’s Bazi that he will strike a lottery and become rich, no amount of feng shui and renovation to the house will make him strike the lottery.

    However, the chances of a person who has an indication of wealth in his Bazi to get a windfall is higher when the right time comes if his house feng shui is good,-

    Perhaps this is something that could work for us.

    Alternative we may just like to continue with our existing ways of seeking that lottery win.

    Whatever you do, best of luck and have fun.

    Tony Bayliss How to inprove your chances of a lottery win

    A

  • December 10, 2017 /  Property & Developer
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    Property development encompasses everything from renovating an existing property to buying a parcel of land and developing it. But before you start marketing your property it’s essential to know who do you want to sell it to? Developers take the greatest risk by investing in property and selling it, but at the end of the day they stand to make the most money from taking this risk.

    The first tip is to find the right location. Do your homework thoroughly by talking to local councils, town planners, local residents, property development marketing firms and carefully studying the building laws and regulations. Second, study the market carefully and evaluate its potential. An area that needs new housing will appeal both to clients and tenants. But building an apartment block in a busy business area will not attract clients. Thirdly, select the right team to design and construct the property. A good property development project manager can act as a mentor and will have established contacts and can save the client thousands of dollars in discounts. Finding and assembling the right team is one of the major key’s to successful property development. Right from the architects to the construction engineer to the surveyor will have a key role to play, and therefore need to be selected very carefully. Another essential is creating and maintaining harmony among the team. If the architect and the engineer dont see eye to eye, you will be the loser. You will be paying good money for delays in your project.

    One of the major factors in property development is planning carefully and methodically. Your project manager must be involved with you right from the time you decide to launch into this new venture. Defining the milestones and making sure that they are met in the project’s lifecycle will make the difference between you making or losing money on the venture.

    You will need to borrow from banks and financial institutions, and the key to securing financing will be to market the property. So for this you will need to develop a property development marketing strategy. Remember some banks and financing institutions make it essential for you to sell a part of the property before they lend you finances. Therefore it becomes essential for you to hire a property marketing firm that can design a marketing strategy and help you in selling the property. You cannot do site supervision, project management and marketing on your own.

    Reputed property development marketing firms know how the markets are behaving and what does an area need. In fact you must hire them right at the start to help you decide if you have made the right decision on property development. Collecting data, forecasting needs and trends is what they are supposed to do, asides from developing a marketing strategy for the project.

  • December 9, 2017 /  Room & Furniture
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    Furniture is a collective noun that groups objects like beds, chairs, tables, cupboards, etc. These objects help humans in their day-to-day activities of eating, sleeping, writing, storing things, etc. Furniture is used by people to render convenience and safety.

    Furniture can be made of materials like plastic, wood, stone, and metal. The furniture in a home is usually reflective of the local culture and practices and the weather and the climatic conditions that are prevalent locally. People started using furniture ever since man stopped roaming around and settled in a place, and set up a house to continue living. This necessitated the requirement for storing objects.

    The design and material used for furniture has evolved through the different periods. The Neolithic period had its own furniture in the form of wall paintings. It was also marked by the use stone furniture. Stone seats, tables, and cupboards were common. The Middle Ages sported furniture made of oak wood. The furniture was carved, ornamental, gilded with gold, and heavy.

    The type of furniture also differed from place to place depending on the wood and other raw material available. American furniture primarily used walnut wood or the cherry wood. The Asian countries used a lot of furniture with bamboo and teak, Heavy lacquers were also used in Chinese design furniture.

    Modern furniture is built with a whole range of new materials including laminated ply-woods, plastic, and metal. The designs have also changed according to the necessity of space, cost, and environment. Contemporary designs use straight lines and materials like steel for office and home furniture. Powder coated aluminum extrusions are also used for lightweight furniture.
    Luxury furniture sports leather coverings and upholstered sofa sets. Premium glass is used to manufacture tables and other decorative pieces. There are different design aspects that go into the design and manufacture of office furniture, home furniture, etc. Eco-friendly materials like terracotta and bamboo are used in plenty in the manufacture of modern furniture.

    Specialized design attention is paid to furniture that adorns kitchens and bathrooms. Stylized and utility cabinets are designed especially for modern kitchens to sport themed looks. Marble and granite stones are increasingly being used for table and countertops for ease of maintenance and long life. The costs of material used for the making of furniture have increased because of the demand and availability. There are consultants whose services are available to help an individual choose the right kind of furniture suited to his/her requirement and budget.

  • December 7, 2017 /  Property & Developer
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    Buying and selling a house is one of the biggest steps that we have to take in our life. Not only will we benefit from a new beginning but also we have the opportunity to choose the best house and accommodation for us and for our family. The legal process behind all of this can be really complicated this is why you need to make sure that you have the right property litigation solicitors by your side to help you with everything that you might need.

    Because you will be involved in a legal process you need the assistance and guidance of someone who knows exactly what needs to be done and also has the legal rights to draft a contract. It is illegal for anybody else to: draft up or prepare a contract for sale, transfer, conveyance, lease or mortgage. Also, according to where you live there will be a National Conveyance Protocol that should be followed when you are looking to buy or to sell a house. With the help of the right property litigation solicitors you will be able to handle whatever problem might come your way.

    Property litigation includes a number of things such as recovery of monies, possession of property and even infringement allegations. Most of the time the property litigation solicitors will have to deal with claims involving real estate transactions for commercial and residential properties. On the other hand, they also have to deal with other matters like for example: copyright litigation, patent litigation and trademark litigation. Such claims are resolved on a regular basis in most courts.

    When you have decided to sell your property then the property litigation solicitors will have to deal with aspects such as: checking the title of the property, drawing up the contract, dealing with any issues raised by the buyers solicitor, completing the sale and making sure that ever aspect of the process is legal and binding for the parties. On the other hand, when you are looking to sell the property then the solicitors will have to do some extra searches in order to make sure that you are making a sound investment and there are no problems with the property.

    Choosing to have property litigation solicitors by your side is the best thing that you can do when you are starting such a process. You may never know how things will develop and the help and assistance of an expert is going to be crucial.

  • December 5, 2017 /  Property & Developer
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    The Controller programmer is accountable to set up a Controller program by developing consideration and organization components, and to set up the relief procedures such as forex transformation, intercompany dealings, and financial commitment strategies in subsidiaries.

    The programmer must also be able to style and produce economical statements used for economical research. This individual will be able to sign up as an effective group participant on execution tasks.

    To accomplish the IBM Qualified Developer – Cognos 10 Controller qualification, applicants must have abilities determined under Suggested Necessity Skills, if any, and complete one (1) examination.

    Recommended Necessity Skills
    Prior to your planning for this associate-level qualification, the following abilities and information are suggested and assumed:
    Understanding of IBM Cognos 8/10 Cognos Connection
    Understanding of IBM Cognos 8/10 Controller Configuration
    This test will approve that the effective selection has important abilities and information necessary to set up a Controller program by developing consideration and organization components, and set up the relief procedures such as forex transformation, intercompany dealings, and financial commitment strategies in subsidiaries.

    The effective selection must also be able to style and produce economical statements used for economical research.
    Create Company Structures (5%)
    a.Distinguish between the organization types
    b.Describe how relief kinds configurations impact the organization structures
    Create Account Structures (12%)
    a.Describe how getting back together between records configurations manages getting back together of starting balances
    b.Describe the impact of coming into an financial commitment value for an account
    c.Describe a situation for using activity accounts
    d.Identify how to produce activity accounts
    e.Describe the impact of using mathematical and non-statistical consideration kinds for activity accounts
    Set up Common Settings (14%)

    a.Distinguish between weekly/daily actualities and connected actualities
    b.Describe the impact of allowing the enhance consideration perspective setting
    c.Describe the advantages of using several submission

    Enable Information Access and Information Transfer (19%)
    a.Distinguish between different form types
    b.Describe the objective of types sets
    Create Magazines and Ending Editions (5%)

    a.Define the connection between publication type and shutting version
    b.Identify the two methods to get into data into organization journals
    Prepare for Currency Conversion (11%)

    a.Identify when guidelines for forex transformation are defined
    b.Identify the work-flows for transforming international currency
    c.Using forex transformation Method 1, recognize the regularly used forex codes
    Configure the Management Platforms (9%)

    a.Explain the objective of purchase control tables
    b.Explain the objective of intercompany reduction control tables
    Eliminate and Reunite Intercompany dealings and products (10%)

    a.Identify when reverse measurements are used
    b.Identify the methods intercompany account balances can be eliminated
    c.Identify the impact of saving intercompany improvements as group journals
    Consolidate a Team’s Revealed Principles (5%)

    a.Distinguish between merging by actions and merging by status
    b.Identify the reviews needed to evaluate consolidation
    Secure the Application and the Information (4%)

    a.Describe the advantages of developing security groups
    b.Describe the advantages of developing individual rights
    Create Reports to Analyze Information (6%)

    a.Identify the efficiency concerns when developing reports
    b.Distinguish the advantages between developing a Review Turbine report and an Succeed WebLink report

  • December 5, 2017 /  Home & Estate
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    Among the simplest ways to get in the real estate business is via wholesale real estate investing. It simply requires you to seek out a less expensive property for sale and look for a buyer who is willing to buy it immediately. This would grant you a quick profit the second the sale is done.

    Whether you are considering wholesale real estate investing a business or perhaps just a temporary means to earn cash quick, take some time to get to know the strategy first. Understand that there are positive aspects as well as disadvantages in this method. It is essential that you are aware of all these so you can make a practical choice that you wouldn’t feel sorry about afterwards.

    There are lots of advantages of wholesale real estate investing. It does not involve a great deal of money and it does not necessitate that you possess certificates or special degrees. Since wholesale lets you market properties right away, you can do it even with very little cash on hand.

    This strategy is considered extremely low risk. There is not any threat in losing much money since the wholesaler doesn’t have to purchase the property. He creates an offer to buy it at a given price and when the seller agrees, he makes it under contract.

    The wholesaler appears with the funds either by himself or from another party. In this case, if he’s got a readily available buyer then he doesn’t need to shell out cash. If ever the wholesaler ceases to come up with the cash at the agreed time, the contract will just be nullified. There aren’t any legal effects on that case.

    In addition, wholesale doesn’t require you to reconstruct or maintain the property. You do not have management work to accomplish. Every deal is a one-time transaction that is fast and provides swift profit.

    However, there are a few downsides you have to consider. The first one on your list is that if you’ve no ready buyers available, then you ought to hold on to the property much longer. That way, you lose a bit more profit.

    It is also quite possible to purchase a property and then discover in the end that you need to spend more money on repairs, hence reducing your profit. That being said, it’s extremely important to check out the property very well prior to choosing to buy it.

    Once you have weighed the benefits and drawbacks of wholesale real estate investing, the decision is yours to make. If or when you decide to embark on this kind of business venture, make sure you’re well prepared for everything that could happen. Do not forget, be a wise investor and gain profit rather than lose it.

  • December 4, 2017 /  Architecture
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    Being elderly and needing daily support from a long term residential care facility doesnt mean your accommodation has to be plain, unstylish, boring, or worse – institutional. With a diverse selection of affordable architectural styles today, even long term care accommodation can let go of the utilitarian architecture and begin with a fresh new start of appealing design that reflects a home-like atmosphere in a functional package.

    Designing senior living with a reflection of the past, a base of the practical present and a touch of the future are sure to meet the needs of the aging population as it continues to grow. The senior consumer of the future will come with many profiles and will be looking for living arrangements that reflect a wide expanse of taste, living requirements and values, at a range of price points from affordable to extravagant.

    If you had the option to design and build your own home, or a facility that would become your home, wouldnt you let your imagination run wild and creativity soar to include and consider the many possible design options that exist in the resource bank of architecture?

    Architecture today is a wide-open array of taste from the old world style with the accents of stone and stucco, tile roofs and heavy beams all very suitable to homebuyers looking for a connection to the historic past. A farmhouse or a country home with simple floor plans, warm colours and cozy spaces would please many individuals looking for a connection to an era of not so long ago. Ranch style homes of the 1950s are ever popular for those looking for a one floor living plan who are not afraid to recapture a retro look, or something more open with glass such as garden doors opening onto a landscaped patio or view of a park like backyard. Designing for seniors means paying attention to details such as uncluttered hallways and wheelchair accessible traffic zones, but it doesnt preclude the designer from planning style and space that feels like home.

    Working with an architect to bring together your design ideas, your creativity, an outline of what your needs may be for comfort, space, budget, maintenance and functionality, are all necessary details and requirements that go in to the design of a building that not only serves its occupants but feels inviting like home.

  • December 3, 2017 /  Property & Developer
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    If you are planning to remodel your home or starting a home construction project, you will need an expert in the construction industry. That expert is a general contractor.

    General contractor may have the experience to handle the entire project. Other general contractors specialize in certain areas only such as kitchens or bathrooms. For large projects you may find it better to hire a general contractor who will hire other general contractors to sub-contract according to their specialization. Finding the right general contractor for your project may take some time. You will need to meet with a few to see if your general contractor shares your values for the project.

    Once you have found that fit, it’s time to check out a few things.

    Experience

    Find out how long the contractor been in business in this area. He should have a business physical address, not just a PO Box. He should be able to show you pictures of some of his projects and provide references.

    Credentials

    The contractor should be licensed for your municipality and with your State. Liability insurance must be in place to provide coverage for your property should there be any accidental damage during the construction project. Workman’s Compensation insurance or Labor and Industries insurance is necessary to cover any injured workers. The contractor should also be bonded. All of these documents should be readily available to allow you to verify them.

    The same information will be required for any subcontractor needed to the job. These should be provided to you as the need arises.

    References

    Your contractor should be able to provide references that you can call. Find out if the previous project was completed timely and within budget limits. Ask how the reference feels about the end result. Ask if there were any problems on the job. If so, were they quick to come back and fix the problem? These are potential problem you might expect. It’s best to know how the contractor has handled them in the past.

    Detail Estimate and Quote

    It is normal for a contractor to provide a detailed written estimate of the project and quote. This should also include any down payment or progress payments for larger jobs.

    The lowest bidder is not always the one you want. Review all details of all bids submitted. If there are big differences in the approach, talk to the contractor about it and determine if his reasoning is sound.

    From each bid, you should know the time frame for the project, type of materials to be used, how many workers will be in the crew, details of each subcontractor’s job, payment arrangements, and what warranty is being provided by the general contractor, subcontractor and the manufacturer of the materials.

    Once you have reviewed all the bids and found the one that best meets your projects requirements, you are ready to sign the contract and set a start date.

  • December 2, 2017 /  Property & Developer
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    Probably the most difficult and frustrating aspect of contracting are actually finding a contract in the first place. As in life, price does not always relate to the quality of services you will receive. The trick is to always stay positive and never lose motivation. It’s much better to pursue and know the status of things rather than sit around and worry. Finding contractor expenses is a task that can be done by professional contractor accountants.

    The contractor completes the actual work, timesheet and submits this along with expense claims to the umbrella company. Usually the fees cost contains 65 + vat per month, this works out at 780.00 per year + vat. Contractor accountants are employed especially for the task to manage accounts, profits, losses and many other things. Every one while setting up a company has a dream of taking their business to the best heights and being successful. And to achieve this, the most important thing is to have a proper plan of action. This makes tasks easy! It also helps in tracking the progress and evaluates ones performance based on certain check points in the form of goals or milestone. There are number of umbrella company services available who take such type of work and do it efficiently for their clients. All umbrella companies use the same PAYE calculations to ascertain how much tax should be paid. Some contractors start out by thinking an accountant is an added expense that they don’t need. If the contract is violating IR35, then the only expenses claimable before calculation of the deemed salary is:- –

    – 5% of net sales – Travel and accommodation expenses -Pension contributions -Certain professional subscriptions

    However, it must record all business expenses so that it helps us to see the true cost of running the company.

    Some of the more common expenses are:- – Company formation – Accountancy fees – Business travel and accommodation – Postage for business – Stationery for business – Business telephone calls – Mobile telephone and calls – Salaries etc

    Apart from that some may include: Mileage & general travel expenses, hotel and accommodation expenses and Professional Subscriptions. Food and subsistence is rarely allowed to be claimed because one would eat regardless whether you are working or not. Expenses determine the growth pattern of any business and smooth functioning of operations.

    For more information regarding Contractor Expenses , Please visit 123contracting.co.uk