The Best Tips to Purchase a New Fridge

When going out to purchase a new, better fridge it is important to take a number of factors into consideration. Going out and buying blindly will most likely just empty your wallets and leave you with an inappropriate product most of the times. A large number of people use their fridge as a simple food storage device in their kitchen. It is important to understand that the times have changed a bit; a fridge can now represent a whole lot more than just some storing space. When going out to buy a new fridge you should highly consider some of the following aspects. Only by following and understanding them you will be able to make a quality purchase and not be disappointed later. Make your life easier by buying the best refrigerator!

The present fridges feature a lot of additions that aim to suit every need possible. Thanks to these additions, today’s buyers are able to purchase a product that can really make a difference in their kitchen. By purchasing a quality refrigerator you will be able to save energy more efficiently than ever before, and as a plus you will now have a product that will be much more appealing to the eye. You will be able to increase the quality of your kitchen’s décor simply by adding a new cooling appliance!

The capacity of the fridge that you are considering to buy must be highly taken into consideration. This is a very important aspect to every kitchen appliance. You should also take into consideration the space of the kitchen. For two people we recommend an eight cubic feet cooling appliance. If you want a larger fridge, add another four cubic feet for each person. So, by following this example, let’s say that you need to buy a fridge for a 3 person house. That would mean a refrigerator that would feature a 12 cubic feet storage space.

The size of the refrigerator that you wish to buy is also very important. You can choose between the built in version and the standard one. The built in fridge versions are rich in countertops and cabinets. This gives them a really elegant and modern feel. The standard size fridge is usually taller and wider. The majority of these are made by using stainless steel, giving them a very futuristic and sleek look. The standard refrigerators are used by a large number of people, thanks to their pleasant aspect and look.

Staging Small Spaces – Making Room to Sell

Anytime you’re looking to sell a home or condo, it’s always important to organize your belongings and furniture to best show off your home’s assets. This is doubly important when you’re looking to sell a condo, loft, or tiny home that doesn’t have a lot of extra space in it.

Ideally what you want to do is show prospective buyers that your home has enough space for them and their stuff. If your home is crammed full of your things it will make it look like there isn’t enough space or storage for what you have and they’ll assume there isn’t enough space for their things as well.

To lighten things up in your little space, put anything in storage that you don’t need. Rent a storage space for these items so they’re not taking up prime storage space in your home. You don’t have to leave your home looking unlived in, but minimalist or spartan is fine.

Include in this storage project things like books and book cases, knickknacks, extra bits of furniture that are taking up space, and so on. Make sure you put any seasonal items in storage too, like winter jackets and sporting equipment if you’re showing your home in the summer. Less stuff in the closets will make them look spacious, which is what a buyer is looking for.

Depersonalize your home, just as you would when staging a larger home; put family photos and memorabilia in storage. Make sure that you use heated storage and proper packing to ensure that nothing gets damp!

If your tiny home still looks a little cramped, consider renting a few pieces of smaller sized furniture for while your home is being shown. A loveseat instead of a full couch will leave far more space available in a living room. A cafe table will look less cramped than a dining room table if your dining area is small.

Last but not least, keep your space tidy while it’s on the market. Small spaces look cluttered much faster than large ones, so make it easy for yourself and try to stay organized while you’re waiting for your home to sell. It’s easier to tidy as you go than to have to spend hours before a showing getting it just right.

The Many Uses For Homeowner Loans Otherwise Known As Secured Loans

Two forms of loans are unsecured and secured.

Unsecured loans, as the names makes more than clear, require no form of security whatsoever, and as such are available to both those who do not own their own property, that is, tenants, and also to homeowners.

It has never been easy for tenants to obtain loans at any time in history.The main reason for this is that as these loans are not secured against any asset they are considered as a bit risky for the company advancing the unsecurd loan.

For homeowners unsecured loans were slightly easier to obtain, although the maximum loan was normally restricted to around £15,000 which is often not an adequate amount if the loan is required to fund a major purchase such as a motor home, or to pay for subtantial home improvemnts such as a conservatory, an extension, a swimming pool and so on.

Tenants have no option but the unsecured loan but for homeowners the situation is very dufferent as they also have the choice of homeowner loans.

Homeowner loans are only available to homeowners and they are an excellent way to fund almost anything. Homeowner loans are also called secured loans as they are secured on the equity of the property.

Unlike before the recession, homeowners cannot obtain a secured homeowner loan if there is no equity on the property.Equity is the difference between the value of the property and the balance left on the mortgage.

To give an example of the above, if a property is worth £200,000 and the mortgage is £190,000 the equity is in fact £10,000. Equity margins have been restricted nowadays and secured loans are only available at a maximum of 80% and 70% for employed and self employed borrowers respectively.

If a property is worth £300,000 and the mortgage balance is £200,000, the maximum available homeowner loan would be £40,000 if the applicant is employed and £10,000 for a self employed borrower.

Before the credit crunch 125% equity plans were available but only to employed borrowers with a good credit rating, and in those golden days of yore if a property was valued at £200,000 and the mortgage outstanding was £190,000 homeowner loans of up to a maximum of £60,000 were available.

Unsecured loans are more expensive than secured loans and homeowner loans have interest rates commencing at around the 9% mark.

As these loans are secured, lenders are not concerned about and never require proof of the purpose of the loan, unlike with unsecured loans.

With unsecured loans to be used say to buy and fit a new kitchen, it is not simply a matter of stating to the lender that you intend to buy a new kitchen as he will require proof in the shape of several estimates.

With homeowner loans it is only a matter of stating the purpose for the loan on the application form and no proof will be asked for, making this a simple way to borrow money.

With secured homeowner loans you will have cash in hand to obtain the best possible deal whether it is when buying a car, doing homeimprovements, etc.

One of the most common reasons for obtaining a homeowner loan is to consolidate credit cards, personal loans and hire purchase.With the interest rate for secured homeowner loans being so much lower than credit cards, etc. there are massive savings to be made, and in addition to saving money the homeowner will have only one payment to make each month compared to several making finances easier to handle.

The only really sensible way for a homeowner to obtain a loan is via the secured homeowner route and these loans can be used for any legitimate reason.

Energy Efficiency – What’s it All About?

With our heightened concerns for saving money, the idea of energy efficiency seems to pop up more and more when looking at home articles. However, do you really know how to make your home more energy efficient?

Energy efficient housing is beneficial not only for the winter time but also in the heat of the summer. Most of the things that keep your house warm when the temperature outside is cold will keep the heat outside in the summer as well. The energy required in heating up or cooling down your home can cost a bundle and is usually one of the largest ways that you can make a difference to the energy efficiency of your home.

For most people, the most obvious way to make your home more energy efficient is to reduce the amount of transfer between the indoor and outdoor temperatures. Increasing your home’s insulation as well as making sure that you have properly sealed windows, doors, and vents are all good ways at reducing heat loss or gain in your home. A less obvious way to reduce that transfer is by making sure that you have properly sealed thermal windows in your home. Any units that may have lost their seal will not help to reduce heat gain or loss to the same extent that well sealed units in non-metal frames will.

The main thing to remember when you’ve got your house all sealed up like your grandma’s couch under plastic is that there will be no transfer between the air in your home and the air outside. While this is good news in regards to heat, it’s bad news for air quality. So, the best compromise to this situation is ventilation with a heat recovery system. These systems have a simple counter-flow heat exchanger that transfers the warmth between inbound and outbound air. A good ventilation system can also help prevent build up of volatile organic compounds. In a tightly sealed home a dehumidifier might also be an essential appliance; high humidity can cause problems with mold and mildew.

Some other great ideas for helping keep your home more energy efficient are passive strategies. These passive methods include creative use of window coverings, keeping the heat in or out of your home depending on the season. Landscaping can be a great way to moderate the temperature in your home as well; deciduous trees can shade the sunny areas of your home in the summer while allowing the light and heat of the sun into your home in the winter time when it’s welcome.

Energy Star appliances can, for an investment, help your home be more efficient as well. Most appliances are available in an Energy Star rated version which can help you save a fair amount of cash, particularly if you’re upgrading from a really old inefficient model. Remember as well that using your appliances less can also make a difference. Wash only full loads in your washing machine or dishwasher, and turn off the drying cycle in the dishwasher. You’ll reduce the amount of energy used in your household and also the amount of heat and humidity released as well.

If you take on one area to reduce energy usage or heat transfer in your home at a time as you can afford to, then you will see a reduction in your energy bills. How much you can save often depends on how much you can invest into new appliances because the most efficient ones are usually more expensive. However, any improvements that you make to your home is an investment, not only in regards to your own energy bills but also as home improvements that can add value to your home and in some cases qualify you for a tax break.