Car Loans - The Good, Bad & Ugly
Here in the UK we have just reached that twice yearly milestone when the new car number plate format changes to indicate the car's age. It's always been a great business driver for the car sales industry, with customers flocking to drive around with a number plate indicating that they have a brand new vehicle. It's used to happen only once per year, but now it's twice, to give the salesmen a second chance to reel in some new customers. I don't know why my car number plate has to indicate how...
Declutter Your Home Just Rubbish Disposal Or A Feel-good Technique?
Ive recently heard more and more people mention the word declutter and wondered what all the fuss was about. Is this a fad, a load of rubbish, a reaction to our modern excesses or a necessary remedy to make our lives more livable? Being interested in doing a bit of decluttering myself, I decided to conduct a little research and found there is a ground-swell of anti-clutter thinking building up across the country. In the UK there is even a trade body called the Association of Professional...
Do You Run An Eco-Friendly Household?
It seems the media is bombarding us with a whole range of new terminology I call eco-vocabulary. It's the latest band wagon that has attracted the attention of environmental groups around the world and is making householders review and question the ways in which their lives interact with the world at large.
Terms like global warming, carbon offsetting, carbon footprints, waste recycling and energy saving are used frequently in day to day conversation now.
Governments around the world are...
Fixed Rate Mortgages More Popular Than Ever
The Council of Mortgage lenders recently reported that an amazing 71% of all mortages and remortgages in April 2006 were arranged on fixed rate terms, thats 17% higher than the same period last year. The increasing attraction of fixed rate deals is a product of the attractive offers being made by lenders together with a desire by consumers to lock-in to the current low rates for as long as possible.
The balance shifted slightly towards new mortgages and away from remortgages, possibly a...
Home Improvements - 12 Tips For Stress Free Building Projects
We have all heard about the horror stories associated with home improvement projects - untrustworthy builders, projects running way over budget, poor workmanship and disputes with neighbours. Before you start, just let your head rule your heart for a moment and follow my top tips for making sure your own projects avoid those pitfalls. Some sound upfront planning is the key to a happy and stress-free home improvement project.
1 - Get your neighbours buy-in - Putting up a huge home extension...
Life Coaching - An Introduction To The Revolution In Personal Improvement
Life coaching arrived in the UK around 10 years ago, having started in the United States some 10 years earlier. The idea of life coaching is to define goals and work out how you can achieve them. Whereas therapy analyses the past, with life coaching the emphasis is on the future and how the client can fulfil their potential.
A life coach will not judge their clients but work with them on issues causing difficulties in their life. They will help the client understand problems, see what may be...
Preparing To Sell Your Home - 4 Key Steps
It's not something people do very often but there's no doubt it can easily rank as one of the most profitable or most expensive tasks we ever have.
People typically move house 2 or 3 times during their life, so we're not expected to be very experienced in preparing our houses to be sold. However a little advice goes a long way here, because that bit of extra effort in the right area can quite literally mean substantial amounts of extra cash in your bank account. First impressions count highly...
Skip Hire - Planning Will Always Save You Money
In the other articles I have written about managing your home improvement build projects, the key point of advice always comes back to planning ahead. This may seem an obvious thing to do, but it actually translates into making a few simple decisions, which some people just find hard to do. Skip hire is a prime example where going ahead without a plan will certainly involve you spending more money. The main planning considerations for skip hire involve, where you are going to site the skip,...
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