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Author Archives: Glasses or Contacts

Maximizing Space While Saving Money

It can be hard for many people to live in a cramped space. A small space can be good for some people, but eventually, there comes a time when more space is needed. Not everyone has the budget for adding an addition onto their home, but there are still ways to make your home look and feel bigger. With careful planning, decluttering, and organization, you can make your small space more comfortable and help you make the most out of your home. Room Dividers A space divider is a good way to define your space, allowing you to have dedicated areas for your needs. If you live in a studio apartment, a divider can allow you to designate a section for a bedroom, giving your privacy and making your bed separate from the living room. Dividers are a good option for many people because they create temporary walls and can be moved around as needed. Choose Furniture That Offers Maximum Functionality Making the most of your small space has a lot to do with choosing furniture that serves more than one purpose. Multi-purpose furniture comes in a variety of forms, including ottomans and coffee tables that open and offers storage ...

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4 Benefits of Building (vs buying) a Home

When you decide the time is right for you to buy a house, you might be wondering whether it is better to build or to buy an existing home. To help you decide what is best for you, we will include below 4 benefits of building vs buying a home. New vs Used Obviously one advantage of building a new home instead of shopping around to buy a home that was built 20, 30, or even 40 or more years ago is that you are getting everything brand new. A new home comes with new wiring, new windows, new plumbing, etc. Having all new building materials should ensure that your home is more energy efficient due to newer technologies in their production. Read my post on hidden homeownership costs here for more useful information on what to expect. In addition, your new home will probably come with new appliances so you won’t have to worry about replacing them any time soon due to wear and tear from previous owners as you might if you buy a previously occupied home. Customize vs Compromise Another advantage of building a home instead of taking what you can find on the market is customization. ...

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Is Your Forex Broker A Scam?

If you are starting out in online trading, finding the right Forex broker can be challenging. Of course, you want to be sure that you are choosing a reputable and reliable broker, however if you carry out an internet search, you will no doubt be shocked to discover a surprisingly large amount of Forex broker scams. Although the Forex industry is being subject to increasing amounts of regulation, there are still a number of scam Forex brokers who should not be trusted. Luckily, over time, they tend to get discovered and removed, however when participating in Forex trading, it is essential to find out which brokers are considered to be trustworthy and which are not. To determine which ones you can rely on to execute your trades responsibly, you need to make sure that you have taken all of the necessary steps to check the reliability of your broker before you deposit any funds. One way to do this is to check sites that have reviews about Forex brokers compared in-depth, as this will enable you to find the opinions of experts and other clients. Separating Fact from Fiction It is important when looking at reviews, articles and posts on ...

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Should You Buy a Timeshare?

Were you to ask your friends, family or co-workers how often they take a vacation I am betting some of them would answer that they either can’t take the time away from work or can’t afford to pay for a vacation on an annual basis. If you are in a similar position, how would you like to take a vacation every single year, guaranteed? A timeshare can give you that. But you may be wondering, should you buy in a timeshare? Below are some things to think about before buying one so you can do so with your eyes wide open. Annual Vacation One of the many benefits of buying a time share is that you have the ability to take a vacation every single year. You can catch up on rest and relaxation as well as enjoy beaches, skiing, tourism, or whatever it is you enjoy doing or have always dreamed of doing by buying a timeshare. You Can Travel to Other Locations When you own a timeshare you don’t have to travel to the same place every year for your vacation if you don’t want to. Time shares can be exchanged for a different package in a variety ...

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Important Things to Remember When You Need a Loan

We all know that there are periods when money can be tight and find ourselves considering whether or not a loan might help or potentially make our financial problems worse. Borrowing money is a serious business, and it is important to prepare carefully. There is nothing wrong with taking a loan – after all, that’s why they exist.  This article assumes that you have decided to borrow from a lender to mitigate your financial distress.  So, let’s review some steps that you should take before you fill out that loan application. Your Credit Score Matters Before you rush to send a bunch of loan applications to every lender you can find, keep in mind that too many applications for loans that are rejected by lenders can lead to your credit rating being downgraded. Each time you apply for credit, your credit report is pulled and an inquiry appears.  Some lenders view too many inquiries over a short period of time, especially within the past 60 days, as a desperate attempt to acquire credit. The lender may also wonder how many of those resulted in an approval for a new account that has yet to appear on your credit file.  So, ...

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