Five Home Improvement Tips To Help You Transform Your House Into A Stylish Home

When deciding to transform your house into a stylish home, you can use different approaches to the various parts of the house in order to minimize your renovation costs.

- The Interior Design Approach

1. One approach that you can employ is by focusing your renovation design towards your staircase. You can change the design of your staircase to make it appear more cozy and modern or use wooden materials with carving designs to have a more traditional and yet stylish look. Redesigning your staircase would also depend on which part of your house, it is located.

2. Once you have redesigned your staircase, the part of the house where it is located should also follow to match with it. If it’s in the living room, then the living room should be redesigned as well. In renovating your living room, you can repaint the walls to match the color of your staircase railings. If the railings are made of wood, then it would best to have a wall paint colored beige or other variants of earth colors. If you still prefer a light colored wall, you can repaint the base of the wall with a darker tone of brown.

3. Aside from transforming the staircase or the ceiling you may also redesign the flooring of your house. A quick and easy way of doing this is by replacing your old flooring with laminate floorings. You can choose from the variety of materials that are used for laminate flooring. For example, if your theme is the more traditional look, then you may use the laminate flooring which resembles wooden parquet flooring. If you are looking for a more environmentally sound floor, then one of the incredibly stylish and durable bamboo flooring options currently on the market may well be a better choice.

- Transforming by Changing the Furniture

4. If renovating the entire interior of the house is too costly for your budget, you may opt to buy new furniture to replace those old and tired looking pieces that are an eyesore. You can purchase new designs of living room sofas with matching sleek and modern center and side tables. 5. You can also purchase a made to order bar if your living room has more space to accommodate this. A living room bar adds excitement and style to any boring traditionally styled living rooms.

So there you have it, five simple yet extremely effective tips for transforming your house into a stylish home. Have fun!

Five Key Principles To Real Estate Investment Riches

Real Estate Investing is the craze today with people involved in the Carlton Sheets program spending money on courses to find out how they can make money in no money down real estate investing. This article hopes to help you create some sort of mental picture of five key principles that can help you make more money with real estate today.

Principle #1- The money is made in the purchase
Real estate investing is like value investing in stocks and you want to purchase the real estate during a period of a real estate slump. The reason for this is so that you can get a huge capital appreciation when the real estate market heats up again.

Spending time doing real estate valuation is critical since if you cannot satisfy yourself on the maths that is a viable proposition, there is no way that your real estate investment would be a good one.

Principle #2- Monitor Cash flow
Real Estate investment typically have a monthly rental income which then is used to pay for mortgage instalments and other problems with the building like a roof leak. You would thus have to keep a close watch on interest rate hikes since they can potentially erode any calculated return on investment quite quickly. Once you have enough cash coming in, it is suggested that you then keep some of it in a rainy day fund in case some of the rental tenants do not renew their property and then take the rest and consider investing in another real estate investment property.

Principle #3- Leverage on other people’s time
Remember that no one can do everything, so the key is to focus on what you do best. If your strength is in negotiating deals, spend time looking for property and then get professionals and contractors to handle all the rest of the deal for you. Similarly, if you are good at decorating property, then find deals and focus on the interior design of the property. By focusing on what you do best and getting other people to do the rest of the work, you are leveraging on their time and you can then make more money from each new real estate investment that you undertake. Spend your time to build your team of advisors and employees who work for you and you will see your profits start going up. Remember that by rewarding them financially, you will get a group of dedicated people helping you make more money from your real estate investment.

Principle #4- Learn how to use leverage with a good rainy day cash balance
Did you know that many real estate investors started off with very little money to invest? Even large real estate developers like Donald Trump have learnt the power of leverage when investing in property deals. You want to leverage as much as you can so that you can control property worth many times more than what you own. Remember however to keep a rainy day fund containing a portion of the rental payments so that you can hedge yourself against a possible period where unit occupancy of your real estate investment is low. Leverage when used well can make you lots of money but if managed badly, will bankrupt you. Thus planning your cash flow and learning how to use debt is critical before you start serious real estate investment.

Principle #5- Spend time networking with real estate professionals
Do you want the latest real estate investment deals? The best way to learn of them is to break into the local real estate professional group and make friends with them. Learn some real estate investment lingo and spend time making friends with them because they are your eyes and ears on the ground and they can tell you about recent developments and changes in rental, property and infrastructure of their geographical location. Having the first player advantage is what many large real estate investors have and by spending time to network with real estate brokers, you will substantially close the gap.

In conclusion, spend time looking at these five principles and determine how they can be applied to your real estate investment and you might start seeing an increase in your real estate income.

Breast Cancer – Causes, Symptoms And Treatment

Breast cancer is a malignant (cancerous) growth that begins in the tissues of the breast. Over the course of a lifetime, one in eight women will be diagnosed with breast cancer. Breast cancer is a cancer of the breast tissue, which can occur in both women and men. Breast cancer may be one of the oldest known forms of cancer tumors in humans.Worldwide, breast cancer is the fifth most common cause of cancer death (after lung cancer, stomach cancer, liver cancer, and colon cancer). Breast cancer kills more women in the United States than any cancer except lung cancer. Today, breast cancer, like other forms of cancer, is considered to be a result of damage to DNA. How this mechanism may occur comes from several known or hypothesized factors (such as exposure to ionizing radiation, or viral mutagenesis). Some factors lead to an increased rate of mutation (exposure to estrogens) and decreased repair (the BRCA1, BRCA2 and p53) genes. Alcohol generally appears to increase the risk of breast cancer.

Breast cancer can also occur in men, although it rarely does. Experts predict 178,000 women and 2,000 men will develop breast cancer in the United States. There are several different types of breast cancer. First is Ductal carcinoma begins in the cells lining the ducts that bring milk to the nipple and accounts for more than 75% of breast cancers. Second is Lobular carcinoma begins in the milk-secreting glands of the breast but is otherwise fairly similar in its behavior to ductal carcinoma. Other varieties of breast cancer can arise from the skin, fat, connective tissues, and other cells present in the breast. Some women have what is known as HER2-positive breast cancer. HER2, short for human epidermal growth factor receptor-2, is a gene that helps control cell growth, division, and repair. When cells have too many copies of this gene, cell growth speeds up.

Causes of Breast Cancer

Simply being a woman is the main risk for breast cancer. While men can also get the disease, it is about 100 times more common in women than in men. The chance of getting breast cancer goes up as a woman gets older. Nearly 8 out of 10 breast cancers are found in women age 50 or older. About 5% to 10% of breast cancers are linked to changes (mutations) in certain genes. The most common gene changes are those of the BRCA1 and BRCA2 genes. Breast cancer risk is higher among women whose close blood relatives have this disease. The relatives can be from either the mother’s or father’s side of the family. Woman with cancer in one breast has a greater chance of getting a new cancer in the other breast or in another part of the same breast. This is different from the first cancer coming back Many experts now believe that the main reason for this is because they have faster growing tumors. Asian, Hispanic, and American Indian women have a lower risk of getting breast cancer. Certain types of abnormal biopsy results can be linked to a slightly higher risk of breast cancer.Women who have had radiation treatment to the chest area (as treatment for another cancer) earlier in life have a greatly increased risk of breast cancer

Some pregnant women were given the drug DES (diethylstilbestrol) because it was thought to lower their chances of losing the baby. Recent studies have shown that these women (and their daughters who were exposed to DES while in the uterus), have a slightly increased risk of getting breast cancer. Use of alcohol is clearly linked to a slightly increased risk of getting breast cancer. Women who have 1 drink a day have a very small increased risk. Those who have 2 to 5 drinks daily have about 1 times the risk of women who drink no alcohol. The American Cancer Society suggests limiting the amount you drink.Being overweight is linked to a higher risk of breast cancer, especially for women after change of life and if the weight gain took place during adulthood. Also, the risk seems to be higher if the extra fat is in the waist area. Breast-feeding and pregnancy: Some studies have shown that breast-feeding slightly lowers breast cancer risk, especially if the breast-feeding lasts 1 to 2 years. This could be because breast-feeding lowers a woman’s total number of menstrual periods, as does pregnancy. Women who began having periods early (before 12 years of age) or who went through the change of life (menopause) after the age of 55 have a slightly increased risk of breast cancer.

Symptoms of Breast Cancer

1.Lumps.

2.Rash.

3.Breast Pain.

4.Cysts.

5.Nipple Discharge.

6.Inverted Nipple.

Treatment of Breast Cancer

1.Hormonal therapy (with tamoxifen).

2.Chemotherapy.

3.Radiotherapy.

4.Surgery.

Food For Thought When Travelling

That’s what most people try to tell themselves when they go travelling. The stress of remembering the lights you left on in the house, the rubbish you forgot to throw out or the toothcrush that didn’t make it into your suitcase will make your trip agonizing.

If you’re one of the people above then you know that life’s little lessons are tried and true – buy a travel checklist. This will help you to ensure that your essential travelling documents like passport, flight tickets and itinerary are with you as well as your tanning cream and bathing suit.

Finding the right packing style for your trip is actually kind of fun. Even if you don’t know where you’re going yet or about how much you want to pack with you, take the time to shopg and compare. You can compare the measurements and weight of suitcases, flight bags, carry on luggage, garment bags, and hand bags online or in the retailers near you. Try to look for accessories that are light but of durable quality. Lots of sales assistants try to sell you the colors you’re looking for and don’t think about what you need to put in the case. The more appealing cases and bags, usually high quality, tend to be the heaviest of them all. When you find something you like, literally weigh it out in your mind before buy it.

Travel diaries and disposable cameras are a very important of your trip. Without these accessories you have no real way of recalling the most craziest and most fascinating experiences you’re about to have. You know what it’s like when you ask someone how their holiday was and they tell you they saw the beach and a couple tourist areas and took in a show in the evening for fun. You want to see it too! Take a look online or in the shops to find the product you like and will actually use.

Most people don’t think they’ll last long on a journey before they get comfortable and fall asleep. For some that is true but for others, like me, we need something to keep us entertained. A good book to lose yourself in will take your attention off the clock and allow the chance to escape the journey into a whole different time and/or place. Best sellers can be purchased at the airport at a slightly higher cost to the average retailer or bookstore but usually carry a wide selection.

Chicago’s Magnificent Miracle Mile The Hottest Commercial Real Estate In The Midwest

Can you afford commercial real estate on the Chicago Magnificent Mile? If you can, your business will be in good company, and you can make a lot of money!

A festival of restaurant dining, theater and jazz experiences, shopping, hotels and entertainment, Chicago’s Magnificent Mile is abuzz with activity from Spring through Fall, and those merchants and commercial vendors who are lucky and wealthy enough to rent space in Chicago’s most productive real estate market, are the fortunate recipients of some pretty hefty income.

The Magnificent Mile stretches from Randolph Street to North Avenue and from Lake Michigan to the North Branch Canal, and it is Chicago’s most expensive commercial real estate.

The landscape is flush with fancy hotels including the Inter-Continental, the Ritz-Carlton, Hilton, Omni, Le Meridian, Hyatt, Wyndham, the Westin, the famous Whitehall and many other world-renowned hotels share this prestigious real estate, and the Greater North Michigan Avenue Association manages the business district.

Within this precious Chicago real estate, street festivals, garden shows, food festivals and other events are planned, all to bring local residents and tourists to spend their entertainment dollars.

Along this stretch of expensive real estate you can also find posh, formal restaurants like Les Nomades, and NoMi intriguing international restaurants where you can find Brazilian, East Indian, French, Italian and cuisines from many countries around the world.

The Chicago Shakespeare Company is also in residence in the Magnificent Mile of Chicago Real Estate, as are a number of jazz clubs and galleries like Kenneth Probst, Peter Bartlow and R.S. Johnson, selling fine art, antiquities and much more.

Water Tower Place, the Shops at North Bridge, Chicago Place and the North Michigan Shops also offer commercial real estate opportunities in well-advertised storefronts, malls and real estate centers.

If you are looking for commercial real estate in this area of Chicago, be sure you employ a reputable broker. Rents are high and real estate is precious. Options to extend commercial leases and expansion options to take on more space will come at a premium in this real estate market.

Upscale brokers like Gordon McAdam, Property Management companies like Zeller, and Executive Suite brokers like AMATA deal in finding and leasing commercial real estate and space to businesses in this area.

If you are looking for Chicago real estate on the Magnificent Mile, be sure you find a company that will work with you to assess your square footage requirements, and do an office or building search that will take into consideration the ideal location for your type of business.

These companies can also help you analyze the commercial lease you will be asked to sign and negotiate more favorable terms. Some have partners that offer architectural and build-out services for your real estate needs, and even move-in and utility hook-up services.

If you DO rent commercial real estate along the prestigious Magnificent Mile in Chicago, make the most of your network by joining the Greater North Michigan Avenue Association. Membership in this business and real estate district association provides you the opportunity to participate in business-to-business marketing activities and to have your logo and business identify advertised and promoted in the Magnificent Mile events and activities.

The Board of Director’s for this Chicago real estate business district and association always includes prestigious hotel managers and business managers for large commercial vendors like Neiman-Marcus, as well as business district and service vendors who provide the local transportation. These are good people to know if you want to promote your business.

Get to know the individuals who share this small square of real estate with you and leverage their connections to help you make more money and pay that steep rent bill every month.

Per square mile, this patch of Chicago real estate will produce more income for your business, but it will cost you a pretty penny to house your business here.

If you want to consider Chicago real estate with a slightly less onerous price tag, you can consider real estate in the Riverfront area, which is very near the Magnificent Mile and attracts lots of tourists. There are lots of events there and the overflow of shoppers and tourists from the Magnificent Mile is a definite advantage to renting commercial real estate in the area.

How Airport Parking And Airport Hotels Make Travelling Easier In Gatwick?

Besides the businesses are growing and they can no longer survive being localized. Thus for various conferences, events, trade fairs etc even corporate engage in air travel etc. The massive increase in air travel has also led to the increase in the utilization of the services offered by Gatwick Airport Parking and Gatwick Airport Hotels. The use of same offers great savings in the budget and makes available to you superior services.

Gatwick airport parking is a smart decision if you are driving yourself to the airport. Besides international flights may have very inconvenient timings. If in case you have an early morning flight, why not start your vacations a night earlier? Instead of driving yourself to the airport at odd hours, drive in by the night, park your car in the safe Gatwick Airport Parking and then possibly go and relax in the Gatwick Airport Hotels. This way there will be no pressure to get up early else you’ll miss the flight. Wake up at your convenience and then simple board the flight.

You should also consider this if you are travelling from a far off location. Gatwick, in case you are not aware of, is the second busiest airport in London. Thus you can’t predict the traffic conditions and etc. Thus instead of being in rush, drive in early, park your vehicle in the Gatwick Airport Parking, relax in the Gatwick Airport Hotels and calmly board your flight on its scheduled time.

Gatwick airport parking services are very beneficial for you. You not only have the freedom to book in advance and online, but Gatwick Airport services provides you with chauffeur services, a meet and greet service, short-term parking, long-term parking and now even a hotel and parking option.

Besides as against to the widespread misconception that Gatwick Airport Parking is expensive and he indulgence of riches, it is in fact very affordable. Further you may also book the same sitting online and enjoy heavy discounts on the total costs, sometimes up to 60% and beyond.

And you receive responsible services at Gatwick Airport Parking. You may use the service for a short period of time or long, depending upon your need, but be assured that your vehicle will be kept safe and secure. So you may go on and enjoy the vacation or the business trip, while your vehicle will be continuously monitored, reassuring safety of it.

In case you are a little clumsy with car parking and can’t remember where you parked it and it causes a wee bit of a mess, you may also access the meet and greet services provided by Gatwick Airport parking. With the meet and greet service, you have the liberty to drive up till the terminal of the airport. There you’ll meet the driver who will carefully take the car from your and will park it in the parking area. Once when you arrive back, the driver will bring your car back to you. And don’t worry; they are all trained to do this.

Video Games Can Be Educational For Children

There seems to be a constant battle on how video games are affecting the children that are playing them, but the fact is that video games can teach children too. In fact, video games can help to enhance the reading skills of a child, not to mention help build their coordination and visual skills.

In several video games, your child get to become the main character who travels throughout the game purchasing different items needed to complete the video game successfully, while reading special instructions given throughout the video game. Since the child is simply interested in playing the video game they become unaware that they are actually reading and often times the reading is above their regular grade level. You may often hear your child say they do not like to read, but if you will take the time to watch them play particular video games and tell them you can not see the writing that well, then hopefully they will read it to you and you will become fairly surprised.

Video games can even inspire children to new interests as well. In fact, when a child plays a video game that they do not know much about, then you may see your child bringing books home from the school library that are similar to their new video game. When a child is participating in a video game, then children can see history come alive. Each video game that your child plays must be viewed as having a positive side instead of listening to all the hubba of others, because video games can teach your child different skills.

Some video games are designed to teach the skills necessary for making a living as they give the gamer a variety of different choices. Video games also confront gamers with issues such as moral dilemmas, solving challenging problems, and developing social relationships as well. Children who play video games often have the pick up from a cluttered area than those that do not. In fact, studies are now showing that when learning is added into video game playing children begin being faster at the other activities they participate in.

Some where in the future of time teachers may begin incorporating the playing of video games into the assignments of their students. Several government agencies will use computerized video games to assist in stimulating certain types of situations for their employees. In fact, even the military and NASA train with computerized video games, which is due to the changes in computer technology. By looking more at the positive side of video games parents and teacher could really bring themselves closer to children.

Often times children are playing their video games on-line, which makes playing video games much more of a social activity. Children and adults can learn more from each other if they take the time to learn how to play these video games with each other, which will also open up the lines of communication and understanding. Hopefully, more individuals will see video games in a more positive light instead of in a negative way most of the time.

Investment And Financial Planning

On a general man to man basis Financial Planning is of more importance when compared to investment planning. If a man fails to save money, then where is he going to make the investment from? It is here that the need to emphasize on a strong financial plan comes to play. Financial planning is on a larger scale compared to Investment planning. Where investment planning is individual oriented, financial planning takes into account the needs of the individual and family. Financial planning is the process of assessing the financial goals of an individual at different junctures of his life. It takes into account all assets and investments that he already has and what others he may require to achieve his financial goals in the near future. The prime objective here is to ensure that the required amount of money is there with him at the time of an investment, thereby enabling him to meet his personal goals. This is how financial planning and investment planning relate to each other. Coming to the investment part, security along with profit is a big question?
Any investment depicts a clear picture of your current financial situation. Bifurcate your investments amongst various assets to reduce the risk factor. Asset Allocation is the best way to ensure that a particular investment made is a success. Monitoring your investment to maintain the allocation with your financial goals makes the investment tax efficient.

Following are certain points as to how one can better their investment and financial planning:

Investment Planning:

1) Create a Budget for Monthly Expenses: This enables you to get a clear picture as to where your expenses lie and how much unnecessary expenditure you could curtail to save a decent percentage of your income.

2) Paying of Debts: Once you clear of your debts, a certain amount of your expenditure is saved. This can be used for investment purposes.

3) Emergency Savings: Emergencies do arrive unannounced. One has to ensure that a certain amount is kept aside to meet these situations. These funds should be invested or kept aside to meet these situations. These funds should be invested or kept aside in investments that can be accessed anytime you need cash.

4) Investing in Long term Assets: Investing in long term Assets is a good decision. Purchasing a house is considered to be a good investment as payments towards interest and real estate taxes are tax deductible. Secondly the value of property increases with time. Other then this investing wisely in Mutual Funds, stocks and insurance will provide you with a good return on your investment.

Financial Planning:

1)Using a monthly spending plan or budget to keep finances on track
2)Making decisions about the job and its benefits
3)Getting the most out of other financial resources, including insurance and employer provided benefits.
4)Saving and investing money
5)Controlling expenses and staying out of debt.
6)Planning for estate transfer.

Generally people enlist the services of a financial planner prior to making any major investments. A financial planner is a professional who helps people deal with various personal financial issues through proper planning, which includes cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning. While dealing with Mutual Fund Investments they are called �Fund

Commercial Van Insurance Explained

Van Insurance Groups work in similarly as Car and Motorcycle Insurance Groups – and it is these that the Insurance Industry usage to

determine the classification of your non-commercial or business car.Cheapest Van

Insurance With Insurance boost by over 22 percent in 2010/2011 – it is no surprise to learn that numerous otherwise the

majority of car producers are searching for means to lower the Van Insurance Group classifications, to get their automobile much more

affordable in this challenging monetary market.

With Vans and Commercial Vehicles alike, the Insurance Categories provided to the manufacturers is established by the ABI (Association of

British Insurers) and Thatcham – the protection accreditation specialists.Cheapest Van

Insurance Group Unlike motorcycles and vehicles, the modest van has an overview just insurance ranking as a result of

the quantity of uses which business cars can be utilized for. Despite the fact that this is one-of-a-kind to the business vehicle industry, it

likewise passes on to vehicles and bikes where the usage is categorized “for business use.”.

Get Control Of Your Personal Finance With A Budget

It is fairly common knowledge that money matters can be simplified and controlled with a budget. One of the keys to personal finance management is creating and using a household budget. It is not a really hard task, but one that many people avoid. The reason is that it can often be hard to avoid overspending and having a budget really puts spending problems out there.

A budget is basically a list of expenses and income. It should include all expenses, even the seemingly little expenses like a morning coffee purchase. The budget can be made out weekly or monthly, whatever way is best for the household. For someone who gets paid once a week, a weekly budget may be best. For someone who gets paid once a month, a monthly budget would work nicely. Although, it is really a matter of personal choice as to how the budget is made out.

The income section of a budget is usually fairly simple. Most people can easily track their income. Some people choose to list their income after taxes, while others list the income before taxes and include taxes as a expense. That is strictly a matter of choice.

The expenses section is where most people have trouble. It can be hard to see our spending habits in black and white. It is really important, though, to be honest and list everything. You may find it is helpful to keep a spending log for a week. Your spending log is where you will write down every purchase you make. This can be a good way of tracking all the little expenses you incur throughout a week.

Your expenses section of your budget should also include utilities and housing expenses. If you have a car payment, include here as well. You need to include money spent on gasoline, bathroom items, food and any other thing you spend money on. You do not have to include large, one time purchases, though, as they are not a routine part of your expenses.

Once you have your income and expenses listed you need to add each up. The total of your expenses should not exceed the total of your income. If it does then you need to cut back on your expenses. You may have to stop some spending or try to find creative ways of reducing your spending.

The whole idea of a budget is to ensure that you are not spending more then you are earning. Your budget is a blueprint for how you should be spending your money. Once you have your budget made out and it is balanced you need to stick to it. Only spend as much as you have allotted in your expenses and you should find your personal finance situation becomes much easier to deal with.