My grandmother bought me a set of 6 china cups and saucers for my 21st birthday. Now I’m 50 but those cups and saucers have been used almost daily. Sure, I lost two cups at some point but it doesn’t really matter. Those objects were given for me to love and enjoy them and I’ve had nearly thirty years worth of enjoyment out of them. Of course I could have kept them safe in bubble-wrap at the back of the cupboard but what would be the point of that? Most of us will happily use supermarket glassware and keep the cut-glass in the cupboard. Why? If you have precious items that you want to use but are worried about them being lost or destroyed consider the following: -Take a really great photograph of the object. If you lose the object you’ll have the photograph forever. -Make sure items are properly insured. -Display them somewhere safe (in a lit cabinet? In a jewellery box?). -Be sensible about their use – don’t give your best cut glasses to the children (although I used to … and my children never broke any). -Don’t put your favourite items in the dishwasher or the washing machine (wash by hand) … I’ll admit I stick most things in the dishwasher but that’s just me! However, once you have decided which precious items to keep, clean them carefully and look after them. -Make sure your antique jewellery has a safety chain fitted (a good jeweller will do this for you). Don’t wear that precious necklace until you get the clasp fixed etc (be sensible about it). Then, once you’ve taken precautions, use and enjoy the items that you love. Granddad would have wanted you to have worn his gold pocket watch occasionally or at least have it placed in a beautiful display box where you can enjoy it every day. For more ideas like this: -How to be a Clutter Clearing Angel: Easy ideas to Organise your Home’ (E-Book by Jacky Newcomb) Jacky is the author of the E-Book: -HOW TO BE A CLUTTER CLEARING ANGEL: Easy ideas to Organise your Home’. She is also a multi-award winning, Sunday Times Best-Selling Author and columnist for Take-a-Break’s Fate & Fortune magazine. She is regularly featured in the national press (Daily Mail, Daily Express, Daily Mirror etc) and Television including ITV’s This Morning and Channel 5 Live. www.JackyNewcomb.com
Many of us Americans have watched the long and animated national debate on the confusion and complexity of President Obama’s loan modification program. The basics of Obama’s loan modification program deals with detailing the bail out of homeowner’s from the potential loss of their homes. All that the debate has really fueled though, is more wide spread confusion of how the disbursement of the nearly nine million dollars will actually be put into action. Big lenders, like the corporate banks and mortgage companies, have just come away smelling like money from the previous government bailout of their once struggling companies. In fact, even today American’s housing problems are still escalating and rising higher as the public’s expectation of Obama’s loan modification program seems to steep in its own juices.
The plan indicates the stimulate of the housing market by the big lenders giving the struggling homeowners a way to adjust and modify their existing mortgages. Ultimately, a homeowner will be, under an eligibility rule, entitle to receive over one thousand dollars a year, up to five years. This will average out to over tens of thousands of dollars being spent monthly to help maintain and preserve the quality of housing for Middle America. Many Americans have been confused as to whether they should default on their own, over the top mortgages to receive this money. The confusion only deepens when it is learned that this is money set aside for the homeowners that have yet to actually defaulted on their loans and for homeowners that are less than three months behind on their loans.
This seemingly way of double talking has only help spur on the fears the American public has about the Federal bailouts, the stimulus package for local governments, and the ongoing debate of the reconstruction of our healthcare industry. Politicians have more than gotten their pork spending pet money projects passed, and with it, the hopes fade that the American homeowner will see the real benefits of Obama’s loan modification program. Now, the federal government’s greedy hands are delving into the automobile industry and creating a horrific demolition derby of it.
Many Americans who have lost their jobs and homes due to this given fact, are angry and skeptical about yet again, another promise of being saved by the loans and plans of the watered down Kool-Aid politics of the Anointed One himself.
The upcoming residential projects in Kolkata are ready to flourish
The Kolkata real estate market is growing at a steady rate and is counted as one of the most lucrative investment options in the country. The city once wore a jaded look, but thanks to the developers of real estate, Kolkata now has a happening outlook with lots of swank residential apartments and other retail and commercial premises.
Presently, Kolkata is ready to accept and welcome the West International City which is situated just on the opposite banks of river Hoogly. This is the very first venture that has attracted foreign investments and boasts of a premises of 390 acres which would have 5500 bungalows. This township has the best kind of lifestyle and is just a drive away from the busy parts of the town.
Then there is South City which stands at 35 storys and it also hosts the largest mall of the city and an international school.
The Kolkata properties are not very costly in terms of price, as the city has its old heritage and culture. In the recent times, the Kolkata real estate has taken a plunge since many commercial as well as residential projects in Kolkata are coming up.
The government of West Bengal has a cross subsidy model for the developers of real estate in Kolkata. This allows the developer to make huge profits on the high income residential projects wherein the middle income groups must get residential premises at flat rates with no profit no loss cost price. The lower income group must also be given the flats at lower than the cost price.
According to the property experts, the ready commercial plots that are available at a given short notice make Kolkata an attractive destination in terms of real estate investment.
If you are a letting agent and planning to expand your business, you need a good lettings software to manage the increasing number of properties. As your business expands and you take more and more business spread over different geographical locations, it’s a must to have good residential lettings software capable of handling all stages within the tenancy lifecycle efficiently and accurately.
There are a number of software available in the market each claiming to be the best leaving you wondering which software to choose. It can be a difficult decision especially if you don’t know what you don’t know. There is one software that can make that decision very easy, PropCo Enterprise, web based residential lettings software .
It’s a complete one-stop solution which takes advantage of the latest technologies and set of features that are specifically designed to add value to your business!
It is an advanced web based property, management client accounting and residential lettings software all rolled into one.
It has the flexibility to cater to the needs from a multi user/office to single user/office letting agents, from the largest to the smallest. It can handle the full tenancy life-cycle right from the initial landlord enquiry, marketing, applicant matching, viewings, property reservation, safety inspections, tenant check-ins to rent collection, maintenance and move out. This residential lettings software has key features as Property management, Marketing, Property Maintenance, Client Accounting, Document Management, Work flow Automation and many more.
Along with our core product i.e. residential lettings software PropCo Enterprise, TBL also offers PropCo Web which is aimed toward enhancing the web presence of our clients. PropCo web can be integrated with PropCo Enterprise or used as a stand-alone website. When coupled with PropCo Enterprise as the back-end software, it offers some special features such as the ability for prospective tenants to request a viewing on a property. Landlords can login and view or download historical statements, copy invoices, check their account status, leave messages etc. Tenants can check their account status, submit a change of contact details, log a maintenance request, check when the next inspection is due etc etc. Real-time Interactive mapping between the website and the back-end software improves the web-presence and greatly enhances the chances of converting applicants into tenants.
Our client-base includes some of the most prestigious names in the Lettings Industry and spread throughout the country, from London to Edinburgh, Countrywide Residential Lettings are the largest of our clients who selected our residential lettings software PropCo Enterprise after a rigorous tender process in 2008. The system has now been successfully implemented at their Accounts, Management, Legal and Admin’ centres and across the country to over 100 offices and over 1000 users.
Interior dcor must be aesthetically pleasing yet functional. There is a reason why the timeless phrase -home is where is the heart is’ stands true regardless of where or how we choose to live. The way you organize and decorate your living space speaks volumes about your taste and personality. More importantly, it brings forth your essence, becoming a part of the ambience you create.
Furniture, both wooden and leather imbues an aura of rugged charm. Perhaps, it’s their naturalness that appeals to us or the fact that they keep us cool, warm and comfortable all year. All the great furniture designers have made efforts to balance their artistic creativity with the natural affinity of these two materials. Many of them have done it exceptionally well.
For instance, Chippendale is a style of furniture made by British designer Thomas Chippendale in the 1700s, intended to give people a sense of elegance to their homes. Often defined as anglicized versions of Gothic, Chinese, French and Rococo styles, Chippendale styles continue to be in demand even today because the furniture are not only attractive and create a classic feel, but are also equally durable and long-lasting. While original furniture from that era is almost impossible to find, especially in the same form, replica pieces are available.
Besides the sturdiness of the pieces, designs with stories to tell often seem to live on across generations. Exclusive leather furniture studios like PortsideCaf have similar aesthetic values, persistently pushing the boundaries of artistic expression and functionality. As materials, leather and wood have been chosen for this very same reason. Not only are they long-lasting but give the furniture designer plenty of creative options to play with. These pieces are handmade and comfortable to use, bringing out all its inspirations with every mark, curve and embellishment. The best part is that they are all original designs.
They come in all shapes, colours and sizes so you can create living spaces the way you really wish to. With leather furniture like these, finding the perfect piece to enliven your home or office space is never an issue. www.portsidecafe.com
From towering high rise condo buildings to secluded and picturesque estate homes in gated communities, Houston real estate offers something for nearly every taste and budget.
Some of the most expensive real estate can be found throughout River Oaks and Memorial, although there are a number of pricey communities and properties in the Uptown/Galleria section, the Inner Loop and West Houston.
The median appraisal values for some of Houstons most upscale neighborhoods ranges from more than $1 million to nearly $4 million.
River Oaks Tall Timber Median home price $3,711,446
River Oaks Country Club Estates Median home price $3,049,000
Rivercrest Median home price $2,751,753
Stablewood Estates Median home price $2,112,115
Sherwood Forest Median home price $2,080,558
Memorial Drive Manor Median home price $1,380,162
River Oaks Median home price $1,336,472
When it comes to Houston luxury real estate, River Oaks still reigns supreme. In fact, it is the most exclusive residential area in Houston. It is not uncommon to find large estate homes, complete with expansive, manicured lawns and maids quarters. Ideally located inside Loop 610, River Oaks features about 1,100 properties and some of the wealthiest residents of Houston. Some of the wealthiest neighborhoods in the community of River Oaks are River Oaks Country Club Estates and River Oaks Tall Timber.
River Oaks, in addition to its exclusive Houston real estate options, is home to a number of upscale restaurants and shops. The deed restrictions of River Oaks are very strict, thereby eliminating much of the commercial construction found throughout other communities in Houston. The River Oaks Homeowners Association ensures that properties in this exclusive community meet certain standards.
Located in West Houston, Rivercrest Estates features Houston real estate that is upscale and quite impressive, as each home site generally sits on more than two acres of land.
Stablewood Estates is an exclusive, master-planned community, which is located just outside Loop 610 at Memorial Drive and Post Oak Lane. Residents of Stablewood Estates enjoy a close proximity to Memorial Park, as well as Houstons Uptown/Galleria section. Many residents of Stablewood work in Houstons downtown business district and the Texas Medical Center.
The architectural integrity of the homes of Stablewood Estates is secured through Stablewoods strict deed restrictions. With just 137 lots, Stablewoods value stands at nearly $221 million, which equates to the highest per-square-foot-value in the Houston residential market.
Stablewood Estates is protected by a 24-hour manned entrance gate, and children of this community attend the highly acclaimed Spring Branch Independent School District.
Houston real estate in Stablewood Estates is both luxurious and highly secluded, as most homes enjoy large lots and exquisite landscaping.
Coverage: Plant and equipment often constitute a considerable part of a building contractor’s investment. Contractor’s Plant and Machinery insurance is an exclusive all risks policy covering the plant and machinery used by the contractors at the site for various projects.
Contractors Plant and Machinery Insurance covers the property whether they are at work or at rest, or being dismantled for the purpose of cleaning or overhauling, or in the course of operations or when being shifted within the premises or during subsequent re-erection, but in any case only after successful commissioning.
Interest Covered: Illustrations of machineries/equipment that can be covered under Contractors Plant & Machinery insurance are-
– Earthmoving equipment: Bulldozer, grader, scraper, excavator, loader, dumper, etc
– Concrete mixer, concrete pumps
– Lifting equipment and drilling equipment Road surfacing equipment:
– Batching plant for production of concrete of asphalt
– Concrete or bitumen paving machines
– Bitumen tank sprayers (iv) rollers
Duration: Normally on annual basis and to be renewed periodically
Scope: It is an all risks insurance policy covering loss or damage to the property by any cause other than those excluded-
– Fire, lightning, explosion, aircraft damage
– Riot, strike, malicious act
– Flood, inundation, storm, cyclone and allied perils
– Landslide, subsidence and rockslide
– Burglary and theft
– Collision, overturning and falling of foreign object
– Any other sudden, unforeseen, accidental damages not explicitly excluded
Exclusions: Some of the special exclusions under the policy are-
– Electrical /mechanical breakdown
– Vehicles designed and licensed for general road
– Hull and machinery of waterborne vessel/crafts
– Plant/machinery working underground
– Equipments undergoing testing
– Replaceable parts
– Loss or damage due to explosion of boiler/pressure vessel
– Total or partial immersion in tidal waters
– Whilst in transit
– Consequential Loss
Extensions: Cover can be extended to includes up to a limit chosen by you on the following on payment of additional premium-
– Owner’s surrounding property
– Clearence and removal of debris
– Additional customs duty
– Express freight
– Air freight
– Third party liability
– Floater cover