If you have a swimming pool at some point you will need to make some basic, and not so basic, repairs. It may be a wonderful addition to a property but a pool needs to be maintained, and even with regular maintenance there will be the occasional issue which demands a bit of extra time and money. As the saying goes – forewarned is forearmed, so let’s look at some common faults which every pool owner may have to deal with over the years. Continue reading “Swimming Pool Faults”
What’s the difference between below the line and above the line? Above the line is a type of advertising such as TV ads, radio ads and billboards (or anything outdoor). Below the line advertising on the other hand consists of other methods such as direct mail, sampling and events. These days many smaller companies focus most of their budget in below the line advertising for three reasons: Continue reading “Below The Line VS Above The Line Advertising “
It’s a common dream for many fresh graduates and job hunters alike to get a decent job at a nice office. Aside from having that office environment with a nice team, they get the chance to have their own workstations where they can add little personal touches and decorations. Continue reading “Acupuncture Treatment for Office Syndrome “
You’re buying a house and you think you have enough to pay for it in cash. That way, you don’t have to apply for a housing loan and be in massive debt. However, you are afraid to put all your cash into a house and be left with inadequate savings for retirement and emergencies. Should you apply for a housing loan instead, so you can keep the bulk of your money and invest it in something that could earn interest? That could help you pay the monthly repayments. But what if something happens in the future that would prevent you from making monthly repayments? A bad investment, for example, or sickness in a family member that would necessitate long treatment and hospitalization? You could lose the house!
There is really a lot to consider when contemplating purchasing a home outright versus financing it. A local buyers agent would be able to give you more insights into the local market and buying trends in the area.
Buying a house in cash gives you an enormous sense of satisfaction that comes with owning your home outright. Cash buyers also have the upper hand in bidding for a house against a competitor who depends on a loan to buy the house.
Paying cash for a home eliminates the need to pay interest on a housing loan and many closing costs. There are no mortgage origination fees, appraisal fees or other fees that are charged by lenders to assess buyers. It also saves time that would have been spent shopping for a loan.
Paying with cash is usually more attractive to home sellers, too. In a competitive market, sellers are likely to take a cash offer over other offers because they don’t have to worry about a buyer backing out due to financing being denied. A cash home purchase also has the flexibility of closing faster than one involving loans, which could be attractive to a seller. The resulting benefit to the buyer would be the ability to negotiate a lower price and receive a discount.
A house paid in cash is not leveraged, which allows the homeowner to sell the house more easily – even at a loss – regardless of market conditions.
However, selling a home bought with cash could also be a problem if the owners stretched a lot financially to buy it. If cash buyers decide it’s time to sell, they need to make sure they will have sufficient cash reserves to put down as a deposit on the new home. In short, cash buyers need to be sure to leave themselves plenty of liquidity. By opting to go with a mortgage, you give yourself some more flexibility.
Even if a buyer has the ability to pay cash for a home, it might make sense to not tie up a lot of cash to purchase the home. Doing so could limit your options if other needs arise in the future.
Paying in cash, while commendable, isn’t a good idea if it means committing too much of your savings to an asset that is inherently not easily convertible to cash. You don’t want to get into a situation where you are forced to sell the house or other investments at the worst time possible.
Buying a house through home financing also has significant benefits. The two big reasons to take out a mortgage, even if you can afford to pay cash, are maintaining liquidity and maximizing returns.
In most cases, mortgage interest payments are tax-deductible. And while you shouldn’t opt for a mortgage just to get a deduction, a reduced tax obligation never hurts.
Of course, with a mortgage, you end up paying more overall, since it comes with interest payments that add up over time. But, depending on the state of the stock market, saving on mortgage interest by paying cash might not be financially prudent. You could be saving less than that money might have earned had you taken out a mortgage and invested the cash you didn’t spend on your house in stocks.
There is a middle ground and, for many buyers, this may be the best option of all. Take out a mortgage and take advantage of today’s low interest rates, but make more than the minimum payment whenever you can. Or better still, if you think it will be useful, seek the advice of a home financing firm to better understand your options.
Your backyard is supposed to be a safe place for you and your family. There are hazards, however, that you might not be conscious about. So, it is worthwhile to recognize them, prevent them from happening or completely eliminate them. Continue reading “Hazards in Your Backyard that You Might Not Know About “
Movies and Tv shows often misrepresent Private Investigators they do quite often get one thing right; there often ultra-resourceful, forward thinking and independent. As such they commonly use many different ingenious and useful tools to assist them in their inquiries. As technology has developed a lot of this equipment now resembles cutting-edge technology from the original Mission Impossible movies. So from tiny cameras to extendable ears, we list some of the more commonly found tools used by PI’s both high and low tech.
An ingenious solution to the bulky or not-so-subtle tape recorders of the past, with this you can on the surface be taking some helpful notes on what the subject is saying, while in reality, you are actually making two records of the conversation. Obviously, this holds far more weight in court, it’s one thing to have a disputable, written record of the conversation. But it’s a different thing entirely to have a recording of the defendant or accuser saying something in detail in their voice. These recorders are subtle, easy to transport and vital for the clued-up P.I.
Extendable Ears (Micro Bionic Super Ear)
These ingenious little devices allow you to have superhuman hearing. Kind of. The actually contain a super powerful microphone that can be directed very precisely to pick up sounds and conversations happening away from an audible distance. This is invaluable for an investigator as they can listen to what somebody is talking about without drawing the subject’s attention to them, potentially changing what is said and compromising the investigations. Different models come with additional features, from the ability to record or plug into an additional recording device, to models that boast the ability to listen to conversations happening at greater distances.
Mini Compressor and Jump Starter
Now, these would be extremely for the layman to carry in their car, but it’s an absolutely vital piece of kit that can get P.I out of any vehicle troubles that may occur during the course of an investigation. The compressor can be used to temporarily reflate tiers for a short amount of time while getting to a mechanic to replace the tire. The jump starter will temporarily recharge your battery to ensure you can again, get it to a place that can conduct further repairs.
In a lot of cases, insurance investigations mostly, the judge and jury will want to see clear, high definition and steady footage. This can sometimes be hard to do when holding the camera with your hands, luckily a monopod will help eliminate the natural shake of the hands that can compromise footage.
Hopefully, this will enlighten you about some of the equipment used, for more information on different tools and methods used by your Private Investigator.