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Archive of the posts written by author : Florence Mavis.

Talks you need to have with your SO before settling down

Ozzie couples, those newly engaged or are already planning to move in togetherin Melbourne, Brisbane or Newcastle spend a lot of time dreaming about their future – what kind of house they’ll live in, how many kids they’ll have, where they’ll have their first honeymoon, etc.

However, what they seldom if at all talk about is how they’ll pay for all of it. Based on several studies, not talking about finances before tying the knot is one of the biggest mistakes a couple can make.

Here’s a quick guide to the important conversations every couple needs to have.

How do you handle money? Before talking about wedding venues or joint bank accounts, the first things couples should do is to start talking about their backgrounds. Get a sense of how the other person approaches money – their attitudes toward spending. What are yours? What did both of your parents teach you about money spending, saving, and philanthropy?

This might be the first time you’ll talk about money habits and try to align it with someone else’s. This can get uncomfortable for sure, but once you’re married, you need to deal with compromises. Tackle these three things as you talk:

Financial priorities. A double income doesn’t mean unlimited spending power. You need to plan whether to get the wants or the needs.

Life goals.Are there debts to be paid off? Does a partner plan on staying home with kids? Where do you want to be in 10 years’ time?

Retirement plans. Couples should think carefully about when and where they desire to retire as well as how much they want to have saved up by then. This way, every decision made will be towards that goal.

What are your assets? Be transparent about your financial situation. Consider these essentials:

Saving accounts. Sit down with a financial advisor to plan your 401(k) accounts and determine what will happen to them in case something happens to you.

Debt. Student loans, car loans, credit card bills, etc. should be paid quickly.  It’s also imperative to know what happens to an individual’s debt after they die, so learn about the property laws in your state.

Beneficiaries. As you become a couple, you need to think about your beneficiaries and what will be appropriate for your situation.

The bottom line

For most couples, a starter home after marriage is the way to go. If you plan to live in Newcastle, Australia, you’re well aware of First Homeowner grant, which gives you financial support and flexibility. Do check out the Home Loan home page of Newcastle Permanent to see fixed-rate home loan, which is the first and most stable choice for new home buyers.

Money is a major source of tension in relationships, and hey, it’s also a top predictor of divorce because financial stress and differences in values can put a strain on the marriage. Now that you know these things, make sure that you sit down with your SO to …


Innovative Ways to Streamline Data Management System for Real Estate

In terms of getting new clients and exploiting fresh business opportunities in real estate, there is no way you can avoid the use of a data management system. To be on top of all your listings and to fulfill the needs of all your existing customers, you must have an efficient management system for databases.

According to UpstreamRE, a management system is like your umbilical cord and lifeline that guarantees you can get leads to translate to real revenue. You constantly need to have all the relevant information that your customers might be interested in right at you finger tips regardless of the type of real estate business you have. It could be property leasing and management, commercial or residential real estate and so on.

Although you want to take your business to the next level, you face difficulties in keeping your hands on everything that you must do daily. And because your database is chaotic, you find it hard to give the right information when it is needed. To survive in real estate, you must have/know several people who trust you, have confidence in you and are willing to do business with you or to act as your referrals here

Answers like, “I am not certain… or I don’t know anything about that,” are the surest way of turning away prospective clients. When a client sees a blank stare on your face during a critical moment of a transaction’s circle, they definitely conclude that you are not the right type of agent to represent their interest. But since you have to handle thousands of minor details related to your business on a daily basis, here are a few tips on what you can do to streamline your database management system.

  • You need versatile software that will enable the process of recording and entering data easy to follow and use. A system becomes useful if it can respond to your needs. It would be needless to feed information into a system that can develop its own mind when it is time to extract the information you need. Acquire something that can comfortably work for you.
  • Although there is much database software, not all of them are helpful. To deploy only what you can conveniently access is the best way to incorporate use of a database system. It is critical to be able to get to your leads and contacts from any location using any communication device.
  • The software you choose should enable you to track all your transactions, emails, appointments, documents and all the conversations you make to clients. This is the best way to keep an update of your current deals and eliminating what is not relevant any more. Such a system will make it easy for you to enter or delete information from anywhere while it is fresh such that confusions that can lead to loss of business opportunities are minimized.
  • The ability to download backups of your data in different devices for storage will enable

Targets for the development of perumnas 2017

Perumnas is targeting construction of 30,000 houses by 2017. The number is increasing from this year’s development target of 26,000 units. On the other hand, from January to December 2016 Perumnas is only able to realize the construction of 18,000 units. Visit Home Mortgage via Perumnas Website

“Next year, the target is bigger than this year but we are optimistic that economic and property conditions in Indonesia will be better,” said Perumnas President Director Bambang Triwibowo in Jakarta on Thursday (29/12).

He said, throughout 2016 a large property market is still located around Jabodetabek. Thus, said Bambang, it will focus on building housing in the region.

“From the survey results, the housing market was 52% in Jabodetabek, so we will prioritize (residential development) in the potential area,” he said.

On the same occasion, Director of Finance and Human Resources Perumnas Hakiki Sudrajat said, next year Perumnas allocates budget (capital expenditure / CAPEX) around Rp 3-3.5 trillion. The figure is obtained from internal cash and a number of loans such as from the BTN.

“Capex does not include land expenditure if the land reaches Rp 4 trillion,” he said.

Hakiki, on the other hand, said that the developers have objected to the construction credit interest rate from banks that could reach 13%. In line with other developers, Perumnas has proposed that the construction credit interest can be a single digit.
“We have often submitted objections,” he said, adding that the interest should be suppressed by 6% because this is so that mortgages for consumers will be lighter.
Perum Perumnas prepares a flats development program on the market and railway stations in a number of locations.

“The development is carried out in cooperation with PT Kereta Api Indonesia (KAI),” said President Director of Perum Perumnas, Bambang Tri Wibowo, on the sidelines of the groundbreaking event of flats in Medan, North Sumatra, Wednesday (5/4).

Construction of towers above the railway station, said Bambang, will be implemented in the West Cape, Pondok China, and Palmerah. The three regions are located in DKI Jakarta

“God willing, groundbreaking will be held this April,” he said.

In addition to the above railway station, Perum Perumnas will also build a tower above a number of markets by utilizing the existing location.

“It will be built in Cempaka Putih, Grogol, Block G Tanah Abang and others,” he said.

Construction of flats in various areas is intended as one form of realization of a million house program run by President Joko Widodo (Jokowi).
Tangerang City Government asked the Ministry of Public Works and People’s Housing (Kempupera) to build a simple rental apartment (rusunawa) for scavengers at the Rawa Kucing Akhir (TPA) Rawa Kucing, Neglasari Tangerang City.

“We hope that Kempupera through the Directorate General of Housing Provision can help us to realize the construction of rusunawa for waste pickers at TPA Rawa Kucing Tengerang Landfill,” said Tangerang Mayor Arief R Wismansyah during an audience with Director General of Housing Sharif Burhanuddin at Kempupera, Jakarta


AC Tips to Help You Stay Cool Without Overspending on Energy

Everyone knows the sun is incredibly important for existence, but that does not mean it is always pleasant. There are times when the sun gets so taxing that it makes you want to scream. This is the reason why people buy fans or turn up the AC, but the problem is that these solutions can also end up costing you a pretty penny. Americans spend over $20 billion a year to cool down their homes. The following are just a few tips that might help you reduce cooling costs.

Look for Cracks

One reason many homes do not stay cool is because of cracks. Small cracks or holes around a home make it easy for cooled air to escape. This makes it harder for your air conditioner to keep your home cool, and it also forces it to stay on longer.

You can hire a specialist to see if he or she can find some of these problem areas, or you can inspect your home and use some putty to seal up any cracks or holes that you see. Keep in mind that this will not only save you money, but it will also help keep bugs away because they can use those entrances.

Cool Down with Window Tinting

Everyone knows the amazing feeling you get when you stand under the tree on those hot summer days. Shade can shield you from the sun’s heat and make you a little cooler. Now, there is no way you can put a tree in your house to create the same effect, unless you surround your home with trees and bushes, but that might not be too practical.

What you can do is use window tinting Las Vegas to create the same effect within your home. The tint’s depth is up to you but doing so should help reduce how much heat creeps into your home. Keep in mind that window tinting also helps reduce the amount of UV rays that pass through your house, which is good for your skin.

Maintenance Will Help

You might not think that maintenance makes a difference, but it does. For example, forgetting to replace the AC filter when necessary can work against the system. The filter is meant to keep debris and other pollutants from getting into your home, but it does fill up, which is when you need to replace it. Failing to replace the filter makes it harder for the AC to push cooled air into your home, which forces the motor to work harder.

Furthermore, you are also putting the lifespan of your AC in jeopardy by forcing the motor to work harder than it needs to. The cost of repairing an AC is not something you want to deal with, and you do not want your machine to break down in the middle of a heatwave.

Hopefully, these suggestions make it a little easier to save money on your cooling habits. Not only are you saving money, but you are being eco-friendly …


Choosing Home Sweet Home

Is this a question that often you think about when buying a house In Kansas:

  • Housing which is good and right for me? Its Kansas City residential real estate
  • Is the money I spend on it commensurate with the quality of the house do I get?
  • How is safety, comfort, environmental quality around the house that I purchased?
  • How can the potential investment that I can get out of this house?
  • Is the land the house I can buy is in disaster-prone areas?

Yep, that’s 5 most frequent questions we get from a lot of people every opportunity to make small talk about the house, which eventually becomes heavy chatter because once described at length turned out to be difficult – difficult easy search for solutions.

Here we will provide simple tips, which hopefully can shed some light for you in determining and finding the ideal home for you and your family.


Speaking about the location of housing, it will directly affect the mobility of your day – day. There are several important points that need to be considered carefully, namely:

  • The condition of housing land, this is the most important point that must be considered, especially for those who buy in hilly areas or contoured, because the land like this has the potential for a landslide or a fault area (often difficult to control, because it is a natural phenomenon).
  • Mileage (your trip from home to somewhere). A shopping center, an office where you work, schools, markets, and more. Remember directly affect the time that would be, the cost of vehicle fuel.
  • What public transportation modes that pass through the location of housing. The simple explanation, if there is no movement of public transport means the economy around that location.


Credibility and portfolio, as well as a brief history of residential trips that have been or are being built, need to be considered. Do not get cheated from housing developers abroad – random. Relations with housing developers is closely related to legal issues, find out about the status of the location of housing land, purchase agreement between you and the developer, as well as the maintenance of about a letter – a letter to another.



how to Fix a Broken Ceramic Floor

Steps fixing ceramics:

When you buy ceramics, there will usually be a few pieces of ceramic tile unused. These tiles will come in handy when you need a replacement for the damaged ceramic tile. For pity if you buy a new tile set only to replace one piece of ceramic alone. Not to mention the old ceramic type you’ve not sold anymore.

If you do not have, or can not find a ceramic that is similar to your old ceramics, see ceramics that has the same size and color.

Use a drill with a ¼-inch drill size to make a few small holes in the ceramic tile. Do this diagonally, from one corner to another.

Place the chisel along each line between the hole and hit it with a hammer – not too hard – to split ceramics. Clean the remains shards of ceramic tiles. Then use a chisel to scrape the rest of the dry cement under your old tile. Repeat until you can remove as much as possible the rest of the dry cement.

Cleans your floor until it is completely not lagging behind the rest of the dry cement and dust and dirt. For maximum results, you can also use a vacuum cleaner.

For the new ceramic paste, mix Instant Cement (Adhesives Ceramic Wall and Floor) with water in accordance with user instructions, and then apply on the floor with the help of toothed Roskam.

Install and press the new ceramic coating on top of the Instant Cement earlier. Make sure that the ceramic mounted right in the middle. If you have trouble to install tile in the middle, put a spacer between the new ceramic tile in the tile before the old neighborhood. Then let it dry.

For finishing, a mixture Instant Cement (Charger Nat Ceramic) with enough water to fill the gap between the ceramic tile and new parents around. Allow to dry.

Gently remove the excess grout with a damp cloth. Take care that the grout layer is not removed. Then let it dry out and allow at least 24 hours before the ceramic can on departure.


5 Reasons Why You Should Be Using Service Architect

The cost factor is one of the most common reasons why someone does not hire the services of architects at the time to build the house. You can check all and Click Here

Compared to hire the services of architects, many prefer to use the services of designers who are not professional. In fact there are entrusting the handyman.

To ensure you use the services of an architect, the following are reasons why using the services of an architect.

One of the things that makes the services of architects expensive is its sense of design. He will help realize your dream home and to provide feedback about good design. This will make you get a good final design.

Architects, as a professional will try to give the best results for its clients. He will design the buildings are of good quality for you. If the buildings he designed was not good enough, his reputation would go down.

Almost all architects can communicate well. Architects will communicate in a variety of ways either drawing, writing, and oral. In doing his job, he will communicate with clients, contractors, and many others. He will be your contact with many parties.

Not only designing, architects would also recommend contractors, suppliers of materials and services of other home builders. Not only to make sure the design is well established, it also helps that you do not feel disadvantaged in the future.

Value of building not only seen from the area and the space available. Quality is also a consideration. One is the quality of the space, natural lighting, comfort, etc. These things will add value to your building and architects can make it happen.

So who would you entrust in designing and building your house?


Swimming Pool Dreaming

When I was young, I always dream of possessing a gorgeous swimming pool house in our house. After your distinct pool construction website is selected, you may that this helpt to drive the pool style. Great lens on accessories for swimming pools or just water in common, enjoyed browsing these items tonight, thank you. Pools that are oval-shaped fit in the basic category of rectangular pools (which themselves often have rounded edges for a softer appear). Hubby built our deck the same height as the pool, with the planks of the deck fitting snuggly beneath the lip of the swimming pool’s prime rail. That supplies ready access to the property and makes it less complicated to bring meals and drinks out and to clean up afterwards. If you are just organizing on swimming laps you’ll probably want a lap pool (something more than 10m in length is advisable). More than water or integrated into your garden path, you can not go incorrect with wooden garden bridges. The homeowner can be held responsible for injuries triggered in their pool by neighbors, or friends.

How you heat, clean, filter and sustain your extension de maison is an further expense to take into account. Our Swimming Pool scope of work includes, Civil Performs, Filtration Works, Electrical Performs, Plumbing Works, and Below Water Lighting Method. There are a range of safety measures which users can take advantage of in order to add an added measure of protection, including alarms, fences, and pool covers. No matter whether home owners want to convert their classic swimming pools in Hudson Valley to a salt-primarily based pool, or just build 1 from scratch, there will be no regrets with salt water pools. It is mentioned that you should not super chlorinate your pool but you can at night and stay out of the pool for the entire evening. I utilized to get my pool cleaned by the employees from Ferarri Pools every single month to guarantee that youngsters are secure.

Securing a agrandissement maison bois cover helps to guarantees not only security for men and women, but also protection against the elements of nature. Summer time time pool parties or a late evening swim is constantly enjoyable when you own your personal pool. It’s also worth checking out a French-common pool alarm (from about £500), which protects the perimeter of the pool employing infra-red technologies — a bit like a burglar alarm. Filters require to be backwashed (and at times disassembled and cleaned) and if you live in snow country, pools need to be winterized, covered, and the like – and the approach reversed in the Spring. Your swimming pool is a lengthy term investment and likewise you should appear at each the security of your gate and its corresponding lock but also look as it as a decorative element for your back yard pleasure.

If feasible, it is much far better to location swimming pools at the aspect of a yard rather than straight in the rear. …


4 Steps To Sell a House During Divorce

Getting divorced is certainly one of the worst situations a person can find themselves in. Not only will you have to go through immense emotional and psychological trauma, but you will also have to face numerous financial challenges along the way.

Considering most married couples own a house, a question is posed regarding the fate of the house. Will the house be bought out by one of the partners, or will the partners put the house for sale and share the profits together.

Before selling the house it’s important to know that you will have to pay off the mortgages and brokers fees with the revenue from your house sale.

A lot of people wonder how you sell a house after or during a divorce. Here are some of the most important steps when selling a house.


While it is fine to try and sell your house without the service of an agent, it is not recommended. The stress of the divorce is already enough for both partners, you don’t need another unnecessary burden.

Picking an agent shouldn’t be a case for arguing. You have two options: picking the same agent that sold you the house in the first place, or picking a completely new agent.

If both of the parties agreed on selecting a new agent, it’s best if they could come to an agreement on a specific person too. This is usually not the case and the decision of a third party is needed. This person can be a close relative or a mutual friend.

Quick Fact: States divide property differently. Some states recognize the legal theory of “community property” while others rely on a judge’s decision after listening to each party and using a special formula to determine the division of property. (Source:


This is a more difficult step in the process because it involves a lot of tedious tasks such as painting, repairing and moving furniture. You will also have to splash out some cash for these tasks if necessary.

If you have moved out from the house after you put it on the market, it would be a brilliant idea to hire an agent to stage your house. Staging involves composing and customizing the furniture and other items of the house in such a way that will make it presentable and sway the customer in to buying a house. This is a very important step.

The partners can also mutually agree on making the house more presentable if they feel they are up to the task.

Quick Fact: If you’re getting a Wisconsin divorce, all assets will be considered during the division of revenue generated by the selling the property. (Source:


The price the agent suggests is the best price you will get. The reason you hired your agent is because of his expertise in this area and your relative incompetence on the other side.

Giving your partner and …


EOS Flameless Lighter In San Diego, California, United States

Pre-salesIf you have any concerns just before making a obtain, chat with our online sales to get more information. There are several different brands of usb lighter WIFI antennas and the price tag variety is varied as are the capabilities. The dilemma with the Plazma Lighter is that its pricing is substantially larger than the pricing we’ve observed from other electric arc lighters sold on the internet. Vector® Thermoelectric Portable Meals Cooler/Warmer Chests, cool to 40° under outdoors temperature, warm to approximately 130° F, 9-foot cord plugs into lighter plug. We are the only manufacturer of electric lighters in the globe to offer you a restricted Lifetime Warranty and 30 day income back assure. Lighters developed for beginning barbecues or fireplaces often use these ignition approaches. Zippo American Flag Lighters is a top quality windproof lighter, but its value is higher.

Generic Car Charger for Nokia N91, N90, N80, 770, 7370, 6282, 6265i, 6165i, 6155i, 6126, 6103, 6102i, 6102, 6101, 3155i. Tesla Coil windproof lighters always come with a USB rechargeable battery and even a cell telephone charger can be used for charging this lighter. Replacing a cigarette lighter socket with a 12V USB port is a fairly simple operation, but you could have problems with match and finish. When it comes to candle lighters, there truly is no lighter like the ArcLighter Candle Lighter.flameless lighters,usb lighter

This is just an electronic resistive strategy, though consider platinum would perform fine and not oxidize as fast as a spring. These candles never have an open flame, but rather are powered by a electric battery and usually include LEDs as the light. This is a quite standard and easy to use lighter and may be a single of the best electric lighters available. The CIG-SS Wall mounted Flameless Lighter homes the quickly lighting element inside the tamperproof stainless steel enclosure. When you get an Ozilite no flame lighter, you get two spare lengthy lasting elements, providing you a lifetime of protected cigarette lighting. As it can be recharged, you never want to be concerned about it running out either, as long as you bear in mind to plug it in making use of a USB port. Diverse lighters can be smothered like a birthday flame, even though the Zippo is tough to blow ou you can hurl a Zippo underhand like a softball and it will even now be lit when it hits the ground.

Charging with the included USB cable is easy, and I don’t have to be concerned about lighter fluid ever again. I would suggest obtaining the USB MP3 FM transmitter due to the fact it will be simpler for you to connect to storage devices such as thumb drive, laptop or even the MP3 player. As matches , lighters, and other heat sources are the leading causes of fire deaths for young children, 11 several jurisdictions, such as the EU, 12 have prohibited the marketing of novelty or non-kid resistant lighters. Charge the ArcLighter Candle Lighter or Impulse Pocket Lighter …