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Main Benefits Of Pre-approved Housing Loan

Getting a pre-approved housing loan can save a lot of time and hassle for all parties involved in a property transaction. In fact, it is getting more common that real estate agents actually decline potential customers who do not have a pre-approval in hand before searching for a home. This is understandable as knowing the parameters of your property search eliminates the prospect of finding a place you want to buy but cannot afford to. In that scenario, everybody’s time and resources are wasted.

If you are new to this term, these are the main benefits of obtaining a pre-approved housing loan.

1) When house hunting, you can easily screen out the properties that you cannot afford. Property listing are all over the internet and daily newspapers. There are so many available places for sale that sometimes you can be full for choices. Knowing your budget will enable you to easily use a filter option to discard listings that you cannot afford. Your real estate agent will also be more productive by only seeking places for you that are within your financial budget.

2) A seller wants a concrete buyer who has the financial capacity to agree to a deal. Your pre-approval provides the confidence for the seller to commit to an agreement. The buyer can then take the property off the market with more confidence that the deal will be honored.

3) You may have heard of stories of people who had paid a down payment for a home purchase and had to later forgo the down payment because they couldnt find a lender to support their purchase. These circumstances do happen. It will be terrible to lose your hard earned cash this way. A pre-approved housing loan eliminates this anxiety altogether. You can go about agreeing to deals fully knowing that you have secured the funds to close the transaction.

Pre-approval housing loans have been around for a long time because it serves a very useful purpose for a home buyer. Make good use of its availability and go about house hunting with more peace of mind.

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Home Invasion Crime Statistics

It would appear that one of the main targets for this terrible and dangerous crime is people who are elderly or physically disabled. Criminals who commit home invasions often target the weak and unprepared. They often use a weapon such as a knife or other cutting instruments to intimidate or even assault their victims.

Home Invasion statistics report that the crime is on the rise. People typically think of a home invasion as a robbery or a burglary. While in most cases this is the intended crime to be committed, in several cases home invasions occurs with the intent to commit a rape, an assault or even a murder. Money and expensive belongings may be the motivation behind most break-ins, but sometimes it is a secondary intention of criminals. Because the reasons, methods and intentions of home invasions are so varied it can be difficult to define reliable statistics on the crime. According to a report by the United States Department of Justice, 38% of assaults and 60% of rapes occur in the home during an invasion.

There are some startling statistics and facts about home invasion in the United States. It is estimated that in the U.S. at least one property related crime occurs every three seconds. In the United States there were over 3,600,000 each year between 1994 and 2005. Statistics Canada reported over 289,200 per year in the last five years. Statistically there are over 8000 reported home invasions each and every day across North America. These are just the facts for the crimes which are actually defined as home invasions. There are many burglaries and thefts which occur under different circumstances which do not fall directly into that category of a home invasion for one reason or another.

Typically, criminals convicted of home invasions or porerty related offences indicate that they see residential homes as viable alternatives to robbing a bank or a convenience store. The reason for this is because of more and more businesses using high tech security systems on their business properties. It is becoming harder and harder for criminals to pull off robberies of business properties, leading them to target private residences instead.9 out of 10 convicted criminals who have committed home invasions have said that they would not attempt to break into a home with a home security system installed. Violent crime is on the rise in North America, and it is estimated that 1 out of every 5 homes are just as likely to experience a robbery as they are to have a fire or carbon monoxide poisoning. Having a home security system installed makes your home three times less likely to be targeted by burglars.

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Lighting A Kids Room

Lighting fixtures have come a long way in a short time. They come in a variety of styles, finishes and they use various types of bulbs. Oh yes, Edison would have been proud! When it comes to brightening a childs room with light however, there are some things to consider:

Safety is key
Bulbs vary in the amount of heat they give off and kids are curious. (Not a great combination!) Dont put a lighting fixture that gets hot, where tiny fingers can hurt themselves. Not only is this referring to direct contact but indirect contact as well. Think ball being thrown up in the air hitting a bare lit bulb. In most circumstances, the bulb will break and the glass will be a hazard. If it is a compact florescent bulb (CFL) dangerous mercury could seep through a childs skin as well.

Consider light fixtures that are fully covered, have shades or have special guards that protect them from child play. There are many on the market that even will work well on a small budget.

Reduce shadows and their effects
Kids have active imaginations and, unlike your dining room or den, you will want to lessen the contrast in light and shadows in your childs room. To do this, use lighting with a wide angle of light and stay away from dark or opaque shades that only cast light upward or downward.

Select lighting fixtures that are fun
Fun doesnt mean expensive. Consider using a lamp base with classic lines but switching out the shade from year to year. Use your glue gun and creativity to add a unique touch. For girls consider feathers, ribbon, jewels and crystal. For boys, you might lean more toward texture and color: ribbon, buttons, rope, leather and denim. Since youve selected a lamp base that can grow with them throughout the years, your overall cost of simply modifying the shade every couple of years should be low.

Dont forget the details
Details are what make a room. For instance, consider using a fun finial on a bedside lamp or a decorative ceiling fan pull. If your child loves shoes (what girl doesnt) dont think twice about finding a chandelier that conveys that detail. And, if your outdoor fanatic cant simmer down when the topic of baseball is thrown around, consider a standing lamp that looks like a baseball bat! The options are truly endless and exciting!

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Broyhill Furniture Offers A Dynamic Assortment Of Living Room Furniture

Started by Thomas H. Broyhill in 1905, Broyhill Furniture was created in Lenoir, North Carolina. The company has partnered with Furniture Brands International and as a result has been able to distribute their classic additions globally.

Their living room collections range from the casual comfort of the Anniston Wheat Living Room set to the sleek leather style of the Bailey Walnut Living Room Set. When choosing the appropriate furniture for your living room, you need to take into consideration the both the price of the various living room sets, the amount of space in your living room, and the style of furniture you desire. Most sets include a modestly size to longer sized couch, and a love seat. All of the patterns offer additional furniture pieces that can be added to your living room like recliners, ottomans and arm chairs.

The Abby Latte living room set has a modern look, upholstered in a dark chocolate faux leather. The pieces consist of the Abby Latte Sofa, the Abby Latte Chair, and the Abby Latte Loveseat. The furniture has a striking tone that gives a warm tone to your living room. The set is reminiscent of a man, sipping on brandy and smoking a cigar, with his feet up, while relaxing in his arm chair. The furniture would be perfectly complimented by a stained wooden coffee table and perhaps two end tables on either side of the Abby Latte Sofa.

For a lighter and more summery feel the Anniston Wheat Living room set would be the ideal decor. Like the Abby Latte set, the Anniston Wheat set offers a sofa, chair, and loveseat. However, this set also has two additional pieces: the Anniston Wheat Ottoman and the Showood Accent Chair. The ottoman match the exact fabric and style of the other pieces for those that want addition that contain the exact same feel. The Showood Accent Chair on the other hand is upholstered with a brown fabric embroidered with a simply yet rich flax flower pattern. For those that wish to compliment the set, the Showood Accent Chair infuses the colors like a negative. Providing a ying yang sense to the room. The fabric in all the pieces are soft and inviting providing that clean pristine look of your living room that you may desire to convey.

If you wish infuse some color into your living room set, the Aladdio Crimson Living room set may be right up your alley. The lush crimson upholstered furniture has a muted tone, but still adds warmth to your living room. Accompanied by plush gold and crimson pillows the set has a collaborated feel of regality and humility. The Alladio Crimson Living room set comes with a sofa, armless chair, arm chair (with foot stool), ottoman and a loveseat. The feet of the pieces are a stark black that pops out without taking attention away from the upholstery.

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Growing Demand Of Real Estate In Dehradun

Real estate market in India has witnessed multi-level growth in the past few years. As per the industry, the upward graph has no chance of reaching down or even no chance of coming flat for next few years. Lots of activities that include residential complex development, commercial real estate development, retail space development, etc have driven the Indian real estate market.

Apart from metropolitan cities, property prices of small cities in India are rising fast. Owing to tech boom across the country, property in Indian is attracting more investors, most of them from abroad. As per the sources of real estate industry, Indian real estate is increasing at 30 percent per annum.

Due to increasing property prices, buyers are looking forwards to invest in two and three tier towns where property rates are growing with rapidity. Dehradun real estate is one of the most demanded properties in India to its due to emergence of a large number of national and multinational companies.

Almost 90 percent of real estate developed is residential space and the rest include office, hotels shopping malls and hospitals. This type of double-digit is primarily attributed to the off-shoring and outsourcing businesses, such as high-end technology consultation, call centers and programming houses.

The demand from the IT sector surely has changed the urban landscape in India. According to estimates, there is a demand for nearly 70 million square feet of IT & ITES space over the next four or five years. Many multinational companies continue to move their organizational operations to India to take benefit of less manpower and other costs. Providing human resources and home at their work place presume great importance and there the requirement of form space for people to live and wok that in turn cause the development of other related infrastructure. It has been a predominant trend to set up the worlds best business centers, often campus-style establishments, bearing a different corporate stamp.

Conscient, a leading name associated with Dehradun property and real estate Dehradun, offers a wide range of real estate in Dehradun with most luxury at affordable price.

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Housing For The Elderly

When people near the age of 60, they start thinking of moving to a new housing location. There are several reasons for the person to move to a new housing location. They might want to live near their children or their current neighborhood is unsafe for elderly people. The current home might contain a number of rooms that are located in the upper floor and to reach that the old person may have to climb up the stairs, which could be difficult with the old person’s health. After retiring, the person might be looking to live a completely different lifestyle, which may not be available in the current house.

Various studies have come out with findings that the seniors want to move away from the city and enjoy a peaceful life in a semi urban or a rural area. There are actually a number of housing options available to choose from for a 60+ senior. There are age restricted retirement communities, which come with all the facilities required to lead a healthy life style. Some of the facilities that are available in this community include tennis courts, swimming pools, spas, fitness centers and golf courses.

Another option that is available for the senior citizen are apartments exclusively constructed for seniors. This is different from the community in the aspect that the senior person will get to stay in an apartment rather than in an individual house. But still he gets to enjoy all the benefits that are available in the individual house.

Shared housing is another popular option that seniors have started to explore. In this approach, the seniors will be sharing their house with another senior or one senior person can move and stay with another senior person in his/her house. Most seniors don’t want to be alone and they want to be active in their later years by communicating and interacting with a number of similarly aged persons.

There is also the option of continuous care retirement community where the elderly person will be given the additional care like support for doing daily chores. This support can also be in the form of medical support where a qualified nurse will be at the side for providing assistance and treatment for the ailing senior person. The other options available include Alzheimer’s facilities, which are an assisted living community for the seniors who are in their early stages of Alzheimer’s.

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Make A Room Divider With Photo Display

Some people keep asking themselves whether it is actually possible to build your own photo room divider. The answer to that would be “yes”. In fact, doing so will help you save a lot of money, and who doesn’t like the idea of that, right?

One thing you will need is a frame for the room divider. You can make use of your old ones or you can try building it yourself. The frame, of course, is necessary only if you are planning to make a standing photo room divider. The next thing you ought to get is some corkboard, roughly in the same dimensions as you want your folding room divider to be. Of course, you will also need some glue and some map pins.

What you need to do to make a photo room divider is to attach the corkboard to the frame. After that, you are actually pretty much done. The great thing about this homemade photo room divider is the fact that it offers a lot more in terms of customizability.

Unlike other types of photo room dividers which require you to place your photographs inside specific pockets, this homemade photo room divider actually allows you to pin your photographs anywhere along the main body of the board.

When you design your homemade photo room divider, you can do so using various cutouts or printouts. You might want to make sure that the photo room divider is decorated with a specific design in mind. Otherwise, things are just bound to get chaotic.

A great idea you can use would be creating a mosaic on the photo room divider. This will give you both the freedom to truly express yourself and the organization which will help you make sure that your self-expression is done in a context which other people may be able to appreciate.

As you can see it is actually quite easy to make your own photo room divider. However, some people may not have the skills or the resources needed to complete this little project. In cases like this, you might just have to settle for buying your photo room divider commercially. It might not be as fun, but it’s better than nothing.

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Century Housing In Uganda By Pearl Estates

Pearl Estates Uganda Limited under the management of Mr. Mitul Jobanputra has today realised her long cherished dream of contributing effectively towards the creation of an organized housing culture in Uganda as a means of fighting the problem of proliferation of slums that is a key challenge to the rapid urbanization in Uganda.

According to Mr MITUL JOBANPUTRA, Pearl is one of the entities associated with PICFARE GROUP of companies [the Group]. The Group also owns the multi billion security printing & paper conversion and textile and garments manufactures operating as Picfare Industries Limited and Southern Range Nyanza Limited; based at Njeru near Jinja where over 2000 Ugandans are employed.

Mr. Mitul Jobanputra the Managing director also said that the Group has had the tradition of delivering on her promises to the Ugandan public that has made it possible for Picfare to grow under the able leadership of Mr. Mitul Jobanputra, Group Vice Chairman. Pearl was no exception. Pearl, commenced construction 24 months ago and has managed to deliver the unique, elegant and exclusively fabulous Spring Hills Apartments in the serene Lubowa environment punctuated by the natural breeze from the expansive Lake Victoria; whose view adds to the beauty.

According to reports by Mr. Mitul Jobanputra which he mentioned during the launch, the aggregate project cost has been United States Dollars 7.5 Million that has seen the delivery of 65 Apartments constructed with due regard to pleasure and are therefore secure, possess Dstv and WIFI connectivity, barbeque amenities as well as a modern swimming pool.

No doubt that there is significant concluded purchases of apartments under condominium due to the high end construction that has made significant attention to detail, including the provision of safe and quality parking spaces for home owners.

Mr MITUL JOBANPUTRA then said that PICFARE group continue her commitment to contributing towards the construction of organized housing products in Uganda given that Government appears also committed to facilitating such investments through availing good general infrastructure, affordable credit, land in addition to zero rating Value Added Tax on real estates sales to enable the reduction of real estates sales cost across the board.

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Thai Real Estate Investment Soared On Back Of Property Fund Activity

KTAM Aims to Become Thailand’s Leading Property Fund,Increasing Assets Under Management to 11.3 Billion

The Bangkok Post reported on Thursday, 22 February that real estate investment in Thailand soared by 81.8 percent to $2 billion (1.3 billion)in 2012, nearly double the $1.1 billion (720 million) in 2011, as property funds markedly increased their investment activity.

According to property consultant DTZ, Thailand’s real estate market was boosted by the listing of major property funds and a high number of acquisitions, particularly in the office and hotel sectors. Some $1.1 billion (720 million), or 55 percent of total real estate investment, came from transactions by real estate funds or public funds for public offerings (PFPOs).

Investment activity received a major boost from the listing of Tesco Lotus Retail Growth Freehold and Leasehold (TLGF) in the beginning of January 2012, which proved to bethe largest property fund listing for the year. The $594-million (389 million) fund purchased 17 Tesco Lotus shopping malls in prime locations across Thailand in a deal which by itself exceeded half of the real estate investments in the country in 2011.

Other notable property fund investments in 2012 included the purchase during the first quarter of three serviced apartment complexesand residences for $106 million (69 million) by the listed Land and Houses Freehold and Leasehold Property Fund (LHPF). Additionally, the Quality Houses Hotel and Residence Freehold and Leasehold Property Fund (QHHR) bought three Centre Point serviced apartments in the third quarter, for some $107 million (70 million).

KTAM Eyes Real Estate Market

Krung Thai Asset Management (KTAM) has the ambition to lead the market in property funds and,more specifically, to increase its assets under management by 20 percent in 2013 to 516 billion baht (11.3 billion), said chief executive officer Somchai Boonnamsiri, citing the positive overall investment climate.

The Bangkok Post reports that Thai billionaire Charoen Sirivadhanabhakdi plans to raise funds through the funds managed by KTAM, with the subsequent capital increase being dedicated to turning KTAM into the global leader of this type of fund.

KTAM is considering entering new markets including Mexico, Brazil and some European countries. Annualised return for short-term investments in these regions is forecast at 3.5 percent or about one percent higher than returns in the Thai domestic market.

The Thai fund intends to boost the capital of property funds under the direction Sirivadhanabhakdi’s TCC group to as high as 50 billion baht (1.1 billion) this year. The fund also plans to launch ETFs on the Stock Exchange of Thailand in sectors such as food, energy, ICT and the commercial sector.

2013 will be the last year in which Thailand’s Securities and Exchange Commission will allow investments in what has been known as property type 1, with introduction a new type of property fund, the internationally recognised real estate investment trust, set to replace the old structure.

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University Waterloo Housing An Information Checklist

To improve the efficiency of your search for off campus housing, students should consider developing an information checklist to help narrow their search. When used in conjunction with a student focused property management company, an information checklist is and effective tool that allows property management companies understand exactly what you are looking for in terms of university Waterloo housing. In addition to helping students uncover previously unthought-of considerations, an information checklist will also help students with housing applications and their budget.

An effective information checklist should consist of at minimum the following information:

School attended: In many cities there is only one option. However, in Waterloo there are three options: The university of Waterloo, Wilfred Laurier University, and Conestoga College. The school you attend will definitely have an impact on your off campus housing options.

Location: Students need to determine how important living close to campus is to them. Living closer to campus tends to be more expensive, let alone more competitive in terms of finding suitable housing. Students may also identify a need to live in a more quiet or popular retail area.

Rent: Students need to determine how much they are willing to pay for rent. Location does play a factor in this decision. Therefore, rent and location need to be considered collectively.

Students should also give some thought to if they plan on subletting in the summer months. If they plan to do so, some student focused property management companies can help you find a tenant.

Housing features: Students need to list the features they require in order for a place to meet their specifications. Make the list as specific as possible. If they are using a student focused property management company, this list can be used to quickly narrow potential housing options.

Roommates: Who you decide to live with is a big decision. It also is a major factor in the location, amount of rent you pay, and the housing features you are looking for. Be sure to come to a consensus with roommates before you begin your search.

Transportation: If you or any of your roommates have a car you will have to factor in parking. In some instances parking does come as an additional monthly fee.

Time: Consider when and how much time you and your roommates can dedicate to your university Waterloo housing search. This is key when making appointments with landlords or property management companies to view potential housing options.

Students that develop information checklists based on the above information put themselves in an effective position to quickly find university Waterloo housing. The process will be even more efficient when they enlist the services of a student focused property management company. When students have a focused and specific idea of the off campus housing they seek and work with a property management company they greatly improve their odds of finding a living situation that meet all of their expectations.