Monthly Archives: March 2014

painting the wall

The Secret in Making Home Improvements without Outstanding Debts

Home refurbishment does not only beautify your house, but also increases its overall value. Before you proceed with a renovation project, below are some things you should need to know:

painting the wall

Finances

No project can be successful unless you establish a budget for it. This will keep you from going deep into debt when making home improvements. For you to effectively manage the expenses associated with home renovations, you need the help of a reliable loan company.

A loan firm can help you find the most competitive rate to meet your present financial situation. Before you take a loan, however, make sure that you can afford it.

Credit Score

A lot of homeowners get bank loans to finance their home improvement projects. In the current state of the economy, securing such loans is quite difficult especially if you have bad credit scores. Before you begin a project, make sure to eliminate outstanding credit card debt. Some loan companies in the UK can help you on this.

Overrun Costs

Many home enhancement projects go over budget due to different factors. For this reason, make sure to apportion extra money in the original budget for overrun costs to reduce stress and frustration.

A home improvement project can make your present living situation favourable. To make renovation a success, keep these simple tips in mind to fully enjoy your refurbished house without significant debt.

credit card

FCA to Consult on Credit Cost Cap

Financial Conduct Authority (FCA) says it will conduct a consultation before it sets the level of the cap to be imposed on the total cost of borrowing.

credit card

Consultation on Limiting Credit Cost

As it unveiled the final rules for consumer credit firms and credit licence applications, which will come into force on April 1, the FCA revealed that it will conduct a consultation in July 2014 on the issue of limiting the cost of credit.

In late November 2013, the Government announced that it will cap the costs of payday loans. Under the terms of the recently passed Banking Reform Act 2013, this cap must be in place by January 2, 2015. The Government has confirmed that it will be up to the FCA to set the level of the cap, and the regulator has indicated that its decision on this will be known by November 2014.

Main Issues Discussed

The FCA has promised to take into account views expressed on this topic in previous consultations. It says that the main issues so far have been whether the move might increase the cost of credit for many people, as prices move towards the level of the cap; and whether the resulting reduction in access to credit for low-income individuals might lead them to seek out illegal sources of lending.

FCA consultations usually allow submissions to be made by authorised firms, trade associations, consumers and consumer groups.

breast augumentation

The Rise of Digital Narcissism: Is Social Media encouraging Women to seek Plastic Surgery?

Many people take pictures of themselves to post on social media sites. The obsession with selfies, however, does come with a downside. The Internet and social media are making everyone more self-loving. Most of them do not like what they see. Some people do not see themselves as attractive but this does not dampen their desire to jump on the bandwagon.

breast augumentation

This is the age of digital narcissism. It has prompted many women to change their face and body. Research shows there is an increase in requests for plastic surgery procedures such as nose job and breast augmentation. It is perhaps one of the tell-tale signs that at Facebook and company, business is still booming.

According to the Australian Society of Plastic Surgeons and Dr. Joseph Rizk, seeking breast augmentation is not a bad thing. Actually, there is nothing wrong with it. It is a fact that everyone wants to look and feel great. When taken too far, however, your desire to change who you really are may damage your ability to build happy relationships.

People are now more connected than ever. Social media sites such as Facebook, Twitter, and Instagram, force many women to look at their own photo with a more self-critical eye than ever before. Of course, the self-portrait image is not a new thing. The difference now is that you can take pictures easily and affordably. Those who are willing to go under the knife just to look better on their selfies should remember one thing: do it for yourself, and not for someone else’s opinion of how you should look like.

office fitouts

Changing Office Trends: What Office Fitouts can do for Your Business

A change in environment is as good as rest. The change of scenery in your office may turn your workforce into a happier, more productive team. Areas for relaxation and entertainment are important to business in Australia. Research shows office fitouts can help retain employees and lift morale. This is why more and more companies are improving their workspace.

office fitouts

Here’s how to make your renovation project successful:

Identify your primary concerns

Your office sells your business just as much as your employees do. Your new office is like a blank canvass, so design it carefully. Learn more about the benefits of office fitouts from reliable sites such as Real Business and The Caretakers.

Optimise the space

Today’s office fitouts are becoming more mobile. Improve your company’s image through this type of design. Creating a design concept should consider several factors such as the available space, the nature of business, and core activity in the office.

Embrace open space

Size matters when it comes to offices. Work habits are changing, and with them office design is also developing. Some employees feel isolated in cubicles. Open space is becoming the norm, as it strengthens creativity and productivity.

Noise, lighting, and spacing are all important factors when planning a fitout. Business owners who recognise the link between productivity, profits, and employees’ health can build a more profitable and reliable business.

commercial plumbing

Save Your Kitchen Water: 3 Easy Fixes for Common Plumbing Problems

Everyone loves a clean and beautiful kitchen. So there’s nothing worse than when your kitchen sink plumbing becomes clogged or starts to leak. Plumbing is an important part of houses, controlling the water flow whenever you wash the dishes or use the toilet.

commercial plumbing

Failing to look after your pipes and drainages can lead to serious problems, so it’s best to resolve clogs and leaks before they get worse. Here are some common plumbing issues in the kitchen and suggested ways for fixing them:

Leaky pipes

Leaking sink pipes are quite the headache. With the water dripping, it’s necessary to fix the issue and look into the valves immediately. Fortunately, there are many plumbing companies in Melbourne specialising in water leak detection and waterline repair.

Clogged drain

Food, soap residue, and hair are some common culprits behind clogging. To resolve this problem, use a plunger to force the debris down the drain. Pour hot water to melt the waste if you have metal pipes. Home improvement experts such as Crewther Plumbing, This Old House, and DIY Network, can help you with drainage work, as well as other services such as floor and wall tiling.

Gurgling noise

Hearing gurgling sounds from your sink means there’s something wrong in the vents and pipes. Clean the drain and vent pipes to fix this problem. If you still observe gurgling in the sink, hire plumbing services by professional plumbers in Melbourne to resolve the problem immediately.

Plumbing problems are common in residential and industrial areas. Solve these issues right away and consult drainage contractors for domestic plumbing services.

drain cleaning

Don’t Throw Your Money Down The Drain: 3 Plumbing Tips and Tricks

Every building has plumbing fixtures that require maintenance, and problems can happen. Even if you are not a plumber, it always helps to know a few of the basics. Plumbing issues are commonly minor in the beginning, but may worsen if left untreated.

drain cleaning

You can buy drain cleaners at Lowes and Home Depot or get help from professional drain cleaners such as Drainstormers if the issue is already too big to handle on your own. It is still up to you and your employees to maintain the piping system to prevent bigger problems.

Here are some tricks for solving common plumbing issues:

Clogged drains

Clogging can make drains unusable or slow. It will lead to improper disposal of waste products and can cause different threats to health. Clogging starts with the build-up of oil and food particles in the kitchen sink, while in the bathroom the culprit is hair and soap accumulation.

Leaks

Leaks are the most common problem when it comes to piping. A leak normally occurs when bolts and pipes start to loosen. If you notice the problem early, you can fix it by replacing worn or inefficient pipes.

Running Toilet

This can cost you more in utility bills and waste water meant for other tasks. Loose chains and toilet handles can be the primary source of this problem. Reinstalling the handle and chain should fix the problem. If not, consider replacing the faulty parts.

These are some of the tips and tricks to save you from plumbing headaches around the office. Depending on what is causing the problem, it is best to hire experienced drain cleaners.