Monthly Archives: December 2016

Check Out These 4 Smart Ideas to Make Your House Awesome

Front DoorAre you currently looking for ideas that can beef up the look and feel of your house? Well, you are on the right page. Here are some clever solutions you may consider when remodeling or renovating your home:

Decorate your Home with Blinds

Many households use blinds as a window treatment, as they're easy to maintain, set up, and clean. On top of that, they can match any interior décor you wish to achieve. You can also ask your preferred supplier to personalized them to fit the size of your windows. These come in an array of colors that will surely enhance the overall look of your home.

Add a Colorful Door

A colorful door is undeniably one of the easiest, smartest ways to add curb appeal to your home. With their beauty and elegance, you can impress guests as they walk in. Note that your front door is the first thing a visitor notices about your house. As such, a thoughtfully painted door is one good way to create a good first impression. What is great is that you can find a number of colored front doors for sale available in the market.

Come Up with a Modern Atmosphere

Giving your home as well as your backyard a modern, unique atmosphere can add a character to your entire property. For example, you may add a trellis with noteworthy tiles or a unique concrete patio with pebbles to add more personality and elegance. Adding more accessories, like modern chairs, will also help create the modern design that you want to achieve.

Following the ideas above will help you add an outstanding curb appeal and totally change your home. What are you waiting for?

Why Rebuilding Your New Home is a Lot More Work Than You Think

New HomeIt’s so easy to say that you’ll buy a house, and build a new home the way you like it. This is the dream for many homeowners, but some abandon this plan because of their attachment to their current home. In the end, they're able to convince themselves that all they need is a remodeling project to bring their house into the new era.

For many homeowners, choosing this path almost always includes applying for an FHA 203k loan, according to Primary Residential Mortgage.

Remodeling Your Home, with a Catch

If you now realize that you can opt for an FHA 203k, don’t hesitate to turn your plans around. As always with loans, it’s better to be sure about the insurance package. But, the most important thing about 203k is that there are two options, standard and limited. You can only get one, so you have to determine your most important priorities.

You also have a minimum and maximum amount that you can value you can borrow, determined by the nationwide FHA limits and certain figures. You’ll straighten this out with your mortgage partners, along with other things that come with 203k.

Myth-Busting FHA Mortgage Clichés

The biggest probable drawback to a 203k is the closing. There seems to be a consensus that FHA loans take forever, but in reality, it’s the banks that are the problem. It’s better to do business with a lender that has experience handling 203k loans for a faster process.

The other is that FHA 203k’s are much bigger loans. This is true, on the surface, because some owners consider the future value of their home. You always have the control of how much you’ll borrow, but anything over the buying and remodeling cost will become instant equity.

It is advisable to consult a trusted loan officer to make sure you understand the terms of this loan. The last thing you want is to stop in the middle of the renovation because you miscalculated everything.

3 Household Chores You Can Delegate To The Pros

Household Chores in MinneapolisThese days, it seems there are not enough time in the day to do the things you need and want. Take lawn moving for instance. It’s practically a simple task you can do on a weekend. It can be a relaxing one or even a good workout but who has time for that when you can go to the mall or sleep in?

You can always hire lawn moving services in Minneapolis, MN to get the job done. Here are three more chores that you can delegate and not feel bad about it:

Furniture Assembly or Fix

Do you have furniture in your home that you want to mount on the wall? Say, for instance, your flat screen TV? If you don’t have the right tools, hire an experienced handyman instead. These pros can also assemble furniture for you like the bookshelves or cabinets from IKEA. While you can try doing these yourself, it is better if someone else does the work.

Home Cleaning

Of course, it’s important to keep a clean home. After all, cleanliness is next to godliness. But you can always hire professional cleaners to work on the areas that you don’t want to, say your bathroom and garage. You can schedule the professional cleaning every month or even every week if you want. It all depends on you and your schedule.

Simple Errands

Yes, you can delegate simple errands like book deliveries and even buying groceries (if you don’t like online grocery shopping). You can even outsource your gardening tasks like raking fallen leaves.

You are not just paying the pros to the job for you. You are also paying them for the tools and expertise. It’s not about being lazy. It’s about delegating the mundane tasks so you can do the things you really like such as working out or meeting friends for dinner.

A Black & White Answer: Why Are People Not Smiling in Early Photographs?

PhotographOther than the lack of colour, old photographs have one thing in common no matter the subject or the place: none of the people in them was smiling.

The Evolution of Smiles in Photographs

The sternness is everywhere, especially in Victorian photographs. Charles Darwin, who was known as a playful, fun and loving father, looks gloomy in photographs. The portrait of John Frederick William Herschel, a scientist and astronomer, gives off a tragic feel. It only took until the ‘20s for smiles to start becoming the normal expression in photographs.

Why are these people, from unknown sitters to the great and famous, not smiling in front of the lens? What changed?

The many reasons may include technical limitations and the seriousness of the formal occasion. But it seems people of old also refused to smile because of their bad teeth.

Missing or Rotten Teeth

It is largely believed that people did not smile in old photographs because they were hiding missing or rotten teeth, which experts and practices like Bow House Dental agree were all too common prior the 1920s – the days of modern dentistry. Today, people are spoiled to having easy access to dentists and orthodontists, but people in the 1800s certainly did not.

Some experts, however, dismissed this notion, as bad teeth were so common that they are not a contributing factor to a person’s unattractiveness at the time. Very few people had good teeth then, and according to experts, there was likely no stigma associated with dingy teeth.

But according to the book A Brief History of the Smile written by Angus Trumble, just because bad teeth were normal at the time did not mean they were desirable.

Long Exposure Times, Social Stigma

Other than bad teeth, people of the old did not smile in photographs because of the long exposure times for early cameras. Photographers had to ask people to remain still for a long period, and freezing the smile can get uncomfortable after a while.

Also, in the 17th century Europe, the only people who smiled in photographs were the poor, the lewd and the drunk, as well as people in the entertainment industry.

Humans of the 1800s were not unhappy all the time. Although they certainly had things to worry about, it is the long exposure times of early cameras, the social stigma, and the underdeveloped dentistry that should be blamed for the lack of smiles in old photographs.

Things to Remember when Purchasing Property with Little to No Money Down

Property Purchase in OgdenMany of the world’s richest people keep their money in real estate and for good reason. Real estate provides passive income and holds its value against inflation. Investing in real estate doesn’t have to start big; in fact, you can start your own investment portfolio without using too much money.

Be Prepared

Take the time to prepare before you begin. You can start by securing a reserve of cash to cover expenses in case things go wrong. One of the things you may not anticipate is a high vacancy rate in the area where you invested. If this happens and you rely solely on the expected rental income to pay off the mortgage, you run the risk of foreclosure. Make sure that you have enough to cover all related expenses for at least half a year to a year, just in case.

Know Your Area

The best way to find bargains is to know the area you want to buy in. For continuously observing the property market, you’ll be able to tell if a property for sale is worth the asking price. Sometimes, after you’ve looked at an area long enough, you’ll notice deals that most property buyers don’t see.

Control Your Expenses

The difference between profitable properties and those that are not can be seen in how much you have to pay for it. Shop around for the current mortgage rates and find the best rate for your investment. If you are looking to buy a property in Ogden, then the local mortgage brokers may give you the best deal. Lower mortgage payments will give you a higher profit margin so you may want to aim for those.

REITs

If you don’t want to deal with managing and maintaining your own real estate, consider buying stocks in Real Estate Investment Trusts. REITs are required by law to distribute at least 90% of their earnings, giving you a more stable income. Similar to other stocks and bonds, you won’t be able to get a loan to buy REITs. This means while costs are low, you will need to create an investment fund to get started.

6 Reasons to Love Park City, Utah

Winter in Park City

Winter in Park CityThinking of moving to Utah? You may want to consider Park City, a bustling, lovely mountain metropolis where history, arts, and adventure meet. Here are 6 reasons why you’ll love it:

1. It’s Winter Wonderland.

The snow-capped rugged mountains of Park City are home to several resorts where you can snowboard and ski to your heart’s content. There are also ski schools, charming villages, world-class accommodation options, and lifts that give you a breathtaking view of the city.

2. History Along the Path.

Walking along the paths of Main Street can take you back in time – to 1800s when the town was filled with hopeful miners and their families. The old buildings today are converted into shops, spas, restaurants, and cafes. The streets also play witness to countless arts performances including concerts.

3. Easy Business.

Setting up a business in Park City is easy and swift. In 2015, Utah ranked third in terms best states to do business, beating well-known economic powerhouses like New York and California. It scored highly in economy and business friendliness and didn’t do poorly in cost of doing business, technology and innovation, and cost of living. Moreover, if you’re planning to set up an office, you can find business space rental agents who can help you out immediately.

4. Wining and Dining.

Park City is a dream come true for any foodie with its hundreds of delis, cafes, bars, and restaurants. It’s not uncommon to be invited to join food and wine tasting and tours. Their local food and drinks are to die for too.

5. Arts for Students.

Arts appreciation can begin early in Park City. Students are encouraged to participate in Miner’s Film Festival, where they showcase their own film production a la Sundance or Cannes.

6. Summer Escape.

Come summer, people come in droves to Park City to escape the summer heat. In this city, the average temperature is about 11 degrees Celsius lower than that of Salt Lake City.

If you are looking for a laid-back, fun, and creative lifestyle without being too far away from the airport and the capital, stay here at Park City.

Pregnancy Ultrasound: What to Expect in Your First, Second, and Third Trimesters

Pregnancy UltrasoundAn ultrasound during pregnancy is a basic test that makes use of high-frequency sound waves to display images of a mother’s baby and reproductive organs. Your obstetrician or primary care physician could order an ultrasound for many reasons throughout your pregnancy.

1st Trimester of Pregnancy

In your first trimester, which is a week to 12 weeks into your pregnancy, Revere Health says a doctor might use the ultrasound for:

  • Confirming your pregnancy
  • Estimating a delivery date and determining your baby’s gestational age
  • Checking your baby’s heartbeat
  • Checking your cervix, ovaries, uterus, and placenta
  • Checking for multiple pregnancies
  • Checking for abnormal growth in your baby
  • Diagnosing a miscarriage or ectopic pregnancy, wherein your baby doesn’t attach to your uterus

2nd and 3rd Trimesters of Pregnancy

In your second trimester of pregnancy, which is 12 to 24 weeks, and third trimester, which is 24 to 40 weeks into your pregnancy, an ultrasound might be used for:

  • Monitoring your baby’s development and position — whether optimal, cephalic, transverse, or breech
  • Determining the baby’s gender
  • Confirming multiple babies
  • Checking your placenta for potential issues like placental abruption or placental previa
  • Checking for birth defects or congenital abnormalities
  • Checking for potential Down Syndrome characteristics
  • Monitoring your amniotic fluid levels
  • Examining the baby for issues with blood flow or structural abnormalities
  • Diagnosing issues with your uterus or ovaries, including gestational tumors
  • Checking if the baby is receiving ample oxygen
  • Measuring your cervix’s length
  • Guiding other tests, including amniocentesis
  • Confirming a stillborn or intrauterine death

Safety Concerns

Although ultrasounds are low-risk and non-invasive, an obstetrician and radiology specialist in American Fork says that you must be aware of unnecessary exposure. According to the American Congress of Obstetricians and Gynecologists, you must only undergo an ultrasound if it’s really medically necessary, such that it’s fine to undergo another ultrasound if your doctor notices a potential issue from your blood test or previous ultrasound results. Most importantly, keep in mind that you should only agree to an ultrasound if a trained medical professional will administer it.

Preventing Dental Caries in Younger Kids

Dental Checkup in LehiPreventing tooth decay in children involves more than brushing teeth regularly. It is also important not to allow fluid or beverage to pool in your kid’s mouth. Note that drinks like milk and fruit juices coat the teeth in sugars, promoting tooth decay and cavities. The problems worsens if you dip a pacifier in a sweetener or let your kid walk around with a bottle or training cup full of sweetened drink.

If you want to prevent caries, Kid dentists in Lehi share a few suggestions:

Choose Water Over Others

After breast or bottle-feeding them, clean your child’s teeth. It is best not to let them fall asleep while sucking a formula and other sweetened beverage. Water between meals remain the best beverage for your child. Offer it instead of milk or juice to quench thirst. You can also buy tiny water bottles for kids or be a role model to encourage them to drink more.

Use a Regular Cup

Prolonged bottle-feeding can increase your kid’s risk of developing tooth decay. Your child can start using a sippy cup from 6 to 12 months. By the time they reach 12 to 15 months, they should use a normal cup, and by 18 months, they should completely stop the use of bottles. This does not just lower the risk of dental caries, but also assist with coordination and feeding.

Have a Balanced Diet

As soon as your kid starts eating solids, introduce a balanced diet. This helps set the stage for healthy eating habits, while also allowing them develop a taste for good foods. When it comes to snacking, give them healthy choices and avoid giving sweet treats often. Make sure that they drink water or brush teeth after eating to wash away the sugars.

Apart from these tips, it is also a good idea to start early with dental visits. Note that they should see one every six months. Make sure to have a optimistic attitude when taking your kid for a dental checkup. If you hate or fear going to the clinic, it is likely that they may feel the same way. You should also your reassure your kids that they will have a pleasant experience.

Tales of the Old Smoke: Interesting Trivia About London

Tourist Spots in LondonWhether your fiancé asked you to move in, you found a new employer in the old smoke or you are searching for a new beginning; moving to a new city will involve plenty of changes in your life. You will have to set a new daily routine, meet potentially new friends and enjoy your loft conversion in London. The city has plenty to offer besides a blossoming love life, employment opportunities, and a new start.

Check out interesting facts about this darling city below:

When the Queen needs permission…

The Queen may be the United Kingdom’s head of state, but she needs permission from the Lord Mayor to enter the City of London. The royal website explains that the people of London have to maintain their archaic authority to prohibit the Sovereign from freely accessing their streets.

Where driving on the wrong side is right…

Savoy Court is a road that needs drivers to drive on the right, which the English deem as the wrong side of the road. The real reason for this is still unknown. However, many believe that this is easier for cabs to pick up fares from the hotel at the end of the road before they drop off guests at the Savoy Theatre located on the right side. Meanwhile, others think that the small roundabout at the end is the reason, as the only cars who can use it must have a turning circle of 25 feet or under.

Where people leave all sorts of things on the tube…

Operating for more than 150 years old, the Tube or the London Underground transports over a billion passengers yearly. Forgetting a certain item somewhere is a common human trait, but people have left extremely bizarre items like an entire park bench, a coffin, three dead bats in a jar and a stuffed puffer fish.

People who want to move to the old smoke do not always need reasons for it is a globally beloved place. Do you really know someone who hates London? The above interesting facts will not only cause intrigue, but it will also help you pack your bags faster.

Landowner’s Insurance: Why You Need One

Landowner's InsuranceThe rise of Airbnb and other related sites have made it easier for people to rent homes for short- and long-term use at an affordable cost. While customers are happy with this feature, this leaves some landowners at the losing end. Not all insurance companies cover rental insurance. Yes, there is such a thing and here are some of the reasons you should have one if you are in the renting business:

What is a Landowner’s Insurance?

Like other insurance deals, a landowner’s insurance allows you to file a claim should issues in your rental properties arise. Having an insurance protects you as a landowner of possible losses and legalities. The type of insurance you avail depends on the nature of your rent. Short-term and long-term rentals have different insurance rates and inclusions. Before shopping for insurance, make sure you know which type of insurance deal is the right one for you.

Generally, a landowner’s insurance includes compensation for loss of income due to the period of rehabilitation and repair. It also includes liability coverage. This means injuries sustained by the tenant or their guests while inside the property are covered by the insurance provider.

Some insurance companies, however, do not provide such services. With proper research, you can find an insurance agency for your vacation home in Florida that’s more applicable to your situation.

When Do You Need One?

If you rent out a part of your home rarely for a brief period of time, your property insurance providers can provide you with the coverage you need. If renting out your property or even a space in your home takes place regularly, for extra income or even for living itself, then getting a landowner’s insurance is advisable for your protection.

Landowners who rent out their property can now be protected by having the right insurance policies for renters. Know what you’re eligible for.