Sabtu, 21 April 2018

Going Green & Saving Money with Downsizing

Going Green & Saving Money with Downsizing

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Going Green & Saving Money with Downsizing

Downsizing isnt just for big businesses; nowadays many homeowners are making the decision to downsize. In some cases this is done in order to save money, others want to go green, and some people are just looking for a simpler lifestyle. No matter what the reason is for downsizing much can be learned from corporations and businesses that have gone through the process.

Start With a Plan

Every business that has ever gone through the process of downsizing has started out with a carefully planned strategy for the transition. In a corporation this may involve extensive communication between departments and from management to staff. In a home downsizing event it is important that everyone involved understands what the purpose of the move is. For example, if you are downsizing to find a simpler way of living that can influence the type of items you will want to move with you. Having a clear plan will help solidify the reasons for the move and help everyone feel more comfortable about their role in the new home. After all, downsizing often includes new rules for everyday living.

Sort through Your Stuff

Almost everyone has a tendency to collect something. Some people do so intentionally and others gather things quite by accident. When its time to move sorting through this collection of stuff can be rather taxing. This can be especially true when downsizing. Your goal is to get rid of things you dont need, dont want, or dont use. With that in mind you should plan to organize your things into items you will keep, items you will get rid of, and things that are trash. Later on you can make more definite plans about what to do with the things you need to get rid of.

Downsizing to Go Green And Save

Downsizing is a sensible way to go green. When you live in a smaller home you naturally consume less energy and leave a smaller ecological footprint. In a smaller home you will reduce your use of resources as well as your overall consumption of stuff. Using permaculture principles you can easily find ways to reduce use, reuse things, and recycle most of the items you own.

Getting Rid Of the Unwanted

You may decide to sell some of the things you have to earn a few dollars that can be used toward your moving expenses. But in the end you will probably find that you are still left with at least a few things you have no use for. Dont worry. There is a green solution for those too.

Just call 1-800-GOT-JUNK?. This is the Junk removal Phoenix relies on for eco-friendly services. Rather than simply hauling your rubbish to the landfill this company will work hard to ensure that usable items are donated to local charities and that anything that can be recycled will be.

Jumat, 20 April 2018

Go Green with SBI Green Home Loans

Go Green with SBI Green Home Loans

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Go Green with SBI Green Home Loans

As the world is grappling with global warming and climate change, there is a growing sense to conserve energy and protect the environment. Countries around the world are now turning to environment-friendly alternatives. A holistic look at construction and the way we live brings us to the concept of a Green home.

What is a Green Home?

A Green home is a house that is equipped with energy efficient techniques to conserve water, electricity and other natural resources.

Green homes are built using traditional techniques and materials, making it affordable and cost-effective. The property claims to be eco-friendly must have facilities such as rain-water harvesting, recycling and solar enabled power system.

Other facets of a green home include optimisation in home design to reduce the load on conventional energy and preserving top soil during and post construction.

SBI Green Home Loan

Dwelling in an environment-friendly residence could be a boon to majority of the Indian population. Many shell out the savings of their lifetime to own a good house.

SBI, one of the leading banks in the country, has come up with the Green Home Loan, facilitating finance for projects with such amenities. But the apprehension is, Will it be economic-friendly?.

SBI has introduced this scheme to boost the growth of the real estate sector by creating affordable housing for all Indians. This housing scheme is tailored with the intention of benefitting the prospective home buyers and developers by lowering construction costs with the use of eco-friendly materials.

With the low interest rate, the builders can erect more affordable houses and get many customers who can also enjoy maximum benefits in terms of price and repayments.

The home buyers opting for SBI Green Home Loan can enjoy reduced margin, concessions, low rate of interest and zero processing fee.

Features of SBI Green Home Loan

Interest Rate: The customers will have to pay an interest of 8% during the first year of repayment. For the 2nd and 3rd years, the interest rate is set at 8.5%, and the from the 4th year, the customers can opt for fixed or floating based payment. For loans above 75 lakhs, the bank offers only floating rate based repayment option.

Tenure: Home buyers can enjoy an easy long-term repayment of up to 25 years with the maximum age of 70 years.

Loan Amount: The customers can avail a minimum loan amount of 5 lakhs as SBI Green Loan and no cap is set as the maximum amount.

Benefits of SBI Green Home Loan

Home buyers opting for SBI Green Home Loan can enjoy following benefits:

The bank provides 5% discount on the margin amount.

Buyers can get 0.25% concession on interest rate.

Customers can get full waiver of processing fees.

Documents Required to apply for SBI Green Home Loan

All KYC documents, including identity, age and address proof

Income Tax documents like Form 16 or Income Tax Returns

Salaried applicants need to submit bank statement of last 6 months

Self-employed and business professionals must submit income tax returns, and loss and profit report of last 3 years

If you are planning to apply for an SBI Green Home Loan, you need to evaluate your credit health by checking your credit score first.

In the backdrop of climate change, experts have termed SBI Green Home Loan as a credit product in the right direction. With concessions, fee waiver and reduction of margin rate, this scheme can truly become a game changer in the housing sector.

Giving Trendy Fashion Jewelry Lets the Receiver Know that You Think They're Special and Unique!

Giving Trendy Fashion

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Giving Trendy Fashion Jewelry Lets the Receiver Know that You Think They're Special and Unique!

Trendy fashion jewelry is the perfect way to enhance any outfit.

In the 2009 jewelry trend, the traditional favorites will be returning, among them pearl jewelry, colored jewelry, colored beads jewelry, pendant sets, bracelets are once again being a choice for fashionable persons.

There are some things that never go out of fashion no matter what.

The charm that they hold is priceless and no matter how many generations they might have been around for present generation will always save a special place for it.

- Trendy fashion jewelry is most suited in regard to being stored in these boxes.

- Everyone has had one at some point their list of things to be acquired.

- Each girl has a dream about jewelry. They all dream of having a special piece of jewelry. Fashion bracelets are loved by every young girl.

Fashion bracelets were also worn for spiritual protection. Queen Victoria used to wear a bracelet with a picture of her family in it.

Fashion jewelry is the best way to spice up an outfit. A simple girl can get a celebrity look by sporting latest, in trend fashionable jewelry styles.

Trendy jewelry is that thing that every girl wants to have. Jewelry is a part of the bridal collection that should be chosen very thoroughly.

The day after wedding every newly married bride put her dresses in a box, but trendy fashion jewelry is to be enjoyed over the years.

Teenage girls have a fashion statement to make too! Girls are choosier than their mothers would have, especially in jewelry and cosmetics, and therefore would first start out with the little girl's jewelry box.

A girl might have many friends, but her best friend is always the jewelry she owns.

Every girl has a necessity to look gorgeous. She feels like top of floor when someone appreciates her style.

There is just something to say, without words of a woman who is a beautiful piece of jewelry to adorn the neck.

Whenever we think of trendy fashion jewelry, handmade accessories come to mind.

Wearing trendy jewelry adds charm to neck and highlight the beauty of owner, who is wearing a necklace or any other sort of jewelry.

Now there is a trend of Brazilian traditional jewelry, which includes seed bead jewelry sets, coconut shell jewelry sets, etc. And many more.

Wearing trendy fashion jewelry makes you feel special and unique. Now girls become conscious about their environment and make a trend of wearing eco-friendly jewelry and a part to prevent the Earth from impact of global warming, pollution, etc.

Even that also make them trendier and look gorgeous.

Kamis, 19 April 2018

Generation Names That Put You In Your Place - Yuppy, Yappy and Dinks

Generation Names That

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Generation Names That Put You In Your Place - Yuppy, Yappy and Dinks

For some reason or other, we coin generational phrases to put people in their place. Or, is it to define subcultures of certain patterns of behaviour?

Mobileers were a community of early two-way radio users. According to Wikipedia, the Mobileers popularized the technology that birthed the mobile phone.

Permanent installations in vehicles gave way to the portable Bag Phones, equipped with a cigarette lighter plug. You wouldn't recognize the huge clunky piece of equipment these phones were, compared to the dinky pocket size we carry today. But I am getting ahead of myself.

In the early 1960's there was a youth movement that evolved into the Hippies. Again according to Wikipedia, 'Hippies originally were Beatniks', or the black people. Black by nature, not by skin colour. They were losers. Their message was, "Danger is fun".

Hippies were a group of people who moved into the Haight-Ashbury San Francisco area. Psychedelic rock, the sexual revolution, cultural diversity and drugs like cannabis and LSD, in order to explore alternative states of consciousness, became the hallmark of the Hippies. Flower Power symbolized their cry of "Make love not war", as they handed out flowers to passersby.

They were the frontier group of the 'Wild West' of our modern culture. Their far reaching effects included health food, music festivals, through contemporary sexual concepts (free love) and the use of drugs.

Many were eco-friendly and the forerunners of the Greeny Movement. They were also pioneers of the cyberspace revolution.

Today every school kid has a mobile phone, though I often wonder who pays the bills. But when mobile phones were relatively unheard of, there rose a group of Male Yuppies - Young Urban Mobile Professionals.

They had a particular stance that went with the title, as did most subgroups. One hand raised to the ear; Their other hand protectively placed on their briefcase; Head cocked to one side; Eyes glazed over as they stared at the distant horizon; A noncommittal grimace on the face.

Of course they were seen to eat at all the Yuppy restaurants and naturally drove a Yuppy car. They symbolized the young affluent professionals of the day.

Most of us thought they just evolved. But I think they were the result of very clever marketing gurus.

Either way, the Yuppy generation took over from the Baby Boomers - suburban, couple of kids, mortgage and the backbone of the community. That is after the Baby Boomers had dried out and come off the Grass, introduced through the Hippy stage.

Let's not knock the Baby Boomers though. Many a politician and Lord Mayor came from the later end of the Baby Boomers.

Strictly speaking the Baby Boomers may have been too long a period to be classically described as a 'generation'. The baby boom lasted over a post-war period of 18 years.

Why we have to put a name to every generation is totally beyond me? I could never work out just where I belonged, even though I contributed to the Baby Boomer period.

In Russia the Baby Boomers were called the Sputnick Generation, from the Russians race in space. How the two became connected is totally beyond me?

It was the rise of the contraceptive pill that heralded in the end of the Baby Boomer period.

Next came the DEWKS - Double Employed With Kids. Have a child, six weeks later dump the baby in the Creche/Child Care Centre and back to competing with your partner as to who brings home the most income.

The Yuppies become Yappies - Frustrated Yuppies having to deal with a couple of screaming kids, now that spanking children (corporal punishment) was being outlawed.

Sadly this was followed by the predictable KOOPF - Kids Of One Parent Families.

Next came the DINKS - Double Income No Kids. It became fashionable not to have kids. Why not, if you could no longer discipline them?

Dinks was more widely used than the usual generational term. There were Gay and Lesbian Dinks and a midget wrestler, Claude Giroux, took the stage name, Dink. The water had become decidedly muddied. No longer could you assume the person was with their husband or wife. It had become 'partner'.

According to some experts, if the trend of Dinks continued, intelligent professionals would become another 'dinosaur'. Extinct, due to the lack of DINKS not having children and reproducing themselves.

However, gays and lesbians, in same sex relationships, also contributed to the downturn in population growth.

Supposedly the DEWKS and DINKS are the privileged ones who have 'Disposable Incomes'. That which the economists say gauges the state of the economy.

Let me ask you this though, does anyone have income that can be 'disposed of', like polystyrene containers, paper tissues and disposable plastic bags? That of course is before bio-degradable became fashionable.

Somewhere in the middle of all this we have the term Nerd. The original stereotypical Nerd was 'white males with glasses and braces', according to Wikipedia. You wouldn't get away with such a term today, in our new found non-gender consciousness.

Nerd, or Nurd, was originally known as 'knurd', which is drunk spelled backwards. A nerd was a person who studied, as opposed to one who partied.

With the maturing advent of Cyber Space, the term Nerd has gained respectability. It is the Nerds of our world who drive Cyber Space.

Charles J. Sykes said, "Be nice to nerds. Chances are you'll end up working for one."

Then of course we always have the Trendys, who set the pace for the next generation. The feeding grounds of the latest fashion gurus and their high paid advertising junkies.

So we keep creating new terms, putting each generation into a neat little box. We also like to do the 'crab trick' - don't let anyone get out of the box. Pull them back if it looks like they are escaping.

If you live long enough, chances are you will be around for quite a few of the names, in the cultural evolution. Or is it all plain rebellion to the established mores - status quo?

I want to add one more name to the list. Most of us only dream of being a Wyna. Better than being a Luza. If you have difficulty picking up what I am saying (writing) try speaking those two names out loud.

The world is full of Luzas, but in every generation there is a minority of Wynas, about 2%. Only those who dream big become a Wyna. What did the song say, 'Climb every mountain, ford every stream...'?

Right now there is a generation of people who are chasing after a 'Seachange'. When they go on holiday they yearn for cooling sea breezes. Some coastal communities have been classed officially as a Seachange area.

It was even reported that one such city was attempting to restrict the numbers of visitors that flooded it during holiday periods and stretched the amenities beyond their limit. Will they create a boarder around the city and produce passports? Another Berlin wall?

Wyna says there are children in Vanuatu and other geographically isolated areas, who are financially underpriviledged. Without help they will never have the opportunity to go to high school, because they live in a cashless society.

Together we can help them. We can make them Wynas.

Future TrendsThe End of the World In 2012Get Over It!

Future TrendsThe End of the World In 2012Get Over It!

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Future TrendsThe End of the World In 2012Get Over It!

First it was Y2K and now it's the end of the world in 2012? Get over it!

Welcome to the second decade of the 21st Century! How did that happen so quickly? Seems like we just got over worrying about our computer systems imploding on the eve of 2000, which proves my point: Worrying about things that probably won't happen, is a waste of time. True futurists see possibilities as well as pitfalls and seek to prepare rather than scare. The times, while certainly changing and challenging, are also very exciting indeed.

Here are 5 major trends/possibilities to watch for and act upon in 2010 and beyond:

1. Green Technology/Water Conservation

The terms Green technology, carbon footprint, climate change, eco friendly, re usable, recyclable will be the words spoken, written, discussed and planned for in huge proportions from now on. This will impact large industry as well as small businesses and households who will be compelled willingly or unwillingly to save the planet. Business travel will more limited as the "carbon footprint" is more top of mind. It will be replaced with online and virtual meetings. This will impact airlines, hotels and other travel related industries. However, it will also greatly increase opportunities for online learning, webinars and teleseminars. Hopefully, that will mean not only less carbon dioxide in the air but more quality time at home. Water shortages will replace gas shortages. Growing populations create agricultural and industrial growth. Everybody is going to need more water. Every industry, from agriculture to manufacturing to landscaping and pool services will be impacted. How can you participate in these growing trends? What service can you provide/create for this growing need to reduce the carbon footprint?

2. Elder Care

Life expectancy grows to age 100+. This will affect every aspect of society - from jobs, housing, health care, retirement needs, mortality tables, insurance costs, elder care/assisted living needs, the definition of a nuclear family and caregiver roles. Growth in a senior population will affect laws on inheritance, elder abuse, conservancy, real estate, investments, housing design and construction, medical care and medical support systems.

This phenomenon is causing a shift in elder care models. What worked for families with ailing seniors in the late 20th century may not be possible or practical now. Adult children live more hectic and demanding lives and may not live nearby. By the time senior parents need help, their kids are near retirement too! Savings and retirement funds are running out as people are living longer. What is to be done as the majority population of the western world continues to age? The need here is huge. What kinds of services can you provide to this growing population and their concerned families?

3.Internet:

It's getting bigger and more important by the minute. The worldwide web offers everyone who is "connected" to search for information, hire a professional, purchase homes as well as goods and services and even meet the person of their dreams. LinkedIn, Facebook and a myriad of other social networks allows people and businesses to connect. It's not going away. It's only going to get bigger and more important. If you still see yourself as only "local", you are in the minority and you are missing out on amazing internet marketing and sales opportunities. Individuals and businesses are now connecting all over the globe. If your website is 20th century brochure style - get moving and get interactive. Videos and blogs are not a passing fancy and really promote your website presence. What can you do to update your web presence right now?

4. Personal Growth/Personal Health/Slowing Down the Aging Process:

As baby boomers are seeing their parents reaping the rewards of unhealthy living (smoking, obesity, lack of exercise) requiring walkers, wheelchairs and oxygen tanks at the end of their lives, they are beginning to rethink their own lifestyles so as not to suffer the same fate. It's not just about looking younger. It's about feeling younger... Health and Fitness is the wave of the future. Low glycemic index diets, exercise, and a new awareness that diabetes 2 is purely lifestyle related and not to be expected in old age is the new trend. This will affect restaurants and food manufacturing and packaging. Think brown rice and whole grains. Goodbye simple carbs, saturated fats and high fructose corn syrup. It's making us sick and we know it. It may be convenient up front but very costly at the end and we know it.

As mainstream churches struggle to remain relevant in the 21st century, New Age thinking, ala The Secret is on the rise. Meditation, Yoga, Retreats and Health Spas cater not only to individuals but companies looking for innovative ways to conduct business meetings and team building events. Blend making more money with getting healthier and you have struck gold. If you are in the health, wellness or hospitality industry, this is a major trend for you.

5. Re emergence of Entrepreneurship

In 1776 more than 95% of all Americans were entrepreneurs. By the middle of the 20th century, that number had dwindled to less than 30%. The industrial revolution enticed people to leave their farms and shut down small businesses to seek employment in the cities. The Great Depression accelerated the process. This resulted in the breakup of families and a dependence on manufactured goods and credit.

In 2010, it is back to basics. Generation X & Y aren't so willing to give their lives to the corporation. Small business growth is seen as the savior of our downtrodden economy. Are you a small business owner? Rejoice. While you can buy a house or a car online, there are many services that must be done in person. If you are an electrician, plumber, medical care provider or other hands on professional, this is the decade for you. The key to your success will be customer service and follow up. In this ever increasing internet centered world, it will be the personal touch that you provide to your clients that will be the "secret sauce" that will grow your business.

There are many other trends in science and industry that are truly exciting - from smart machines that anticipate our every need to a possible cure for cancer and the end of inherited disease. While you are enjoying the benefits of these future trends, what will you do to contribute to them also?

From Egyptian Baskets to Rattan Garden Furniture The History Of Wicker

From Egyptian Baskets to Rattan Garden Furniture The History Of Wicker

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From Egyptian Baskets to Rattan Garden Furniture The History Of Wicker

Rattan garden furniture is all but ubiquitous in present-day western society. Whether made of the actual, natural material or its highly popular synthetic facsimile, almost every garden features at least one of these types of items.

Yet what most rattan garden furniture enthusiasts may not be aware of is the way in which this material entered the western world, and subsequently became popular therein. The path linking the first few wicker-woven pieces to modern-day rattan garden furniture is a long and complex one, and this article will seek to offer a brief insight into its different stages.

In The Beginning

The story of wicker-woven furniture begins in ancient Egypt during the time of the pharaohs, specifically around 3000 B.C.. It was here that archaeologists have been able to place the first few pieces of wicker furniture, made not yet from rattan, but from weeds and reeds found in local swamps. These were used to weave baskets, chests and chairs, which were thought to be quite popular among Egyptians.

When the Roman Empire later invaded Egypt, wicker weaving was one of the many local customs which got assimilated into the host culture. Romans took to wicker furniture just as much as Egyptians, and woven pieces became a popular sight in patios across the Empire. Eventually, the Romans began to develop their own style of wicker-weaving, and their items took on an identity of their own.

Death and Rebirth

As with most things involving manufacture, wicker furniture production would experience a steep decline during the Dark Ages. The impoverished status of most of the worlds population during that time, and the preference for sturdier materials such as wood and iron, caused wicker furniture to become overlooked during this period, and eventually cast aside in favour of the aforementioned materials.

As such, the history of this type of item would remain stagnant until the Renaissance period, when a renewed interest for arts and manufacture brought wicker furniture back to public consciousness. The material quickly became popular across Europe once again, and the advent of seafaring travel would soon bring about a game-changing development for wicker-woven furniture.

Indeed, it was around this time that seafaring merchants travelling to Southeast Asian countries began to bring an exciting new material back from their travels: rattan, a flexible, malleable palm. Attractive and easy to work with, the material quickly caught on with weavers, and has since become synonymous with the art to the point of being confused with it.

From Home To Garden

Despite having been popular for three centuries beforehand, however, rattan did not become the go-to material for garden furniture until the 19th century. Specifically, the trend originated in Victorian England, and stemmed from the belief that rattan wicker items were more sanitary than upholstered furniture, mainly due to being easier to clean. The versatile nature of the material, allowing for any number of designs and styles, further contributed to its popularity among Victorian Brits, and pieces made out of rattan quickly became a staple not only inside British homes, but also in their gardens.

It is here that the history of rattan garden furniture can truly be said to begin. Over the next few decades, the material became more and more popular as the basis for garden and patio items, and this popularity quickly crossed over into America as well. By the mid-19th century, American were innovating wicker production, making it more automated, and pieces made out of rattan weave were becoming just as widespread overseas as they had in Great Britain. The materials popularity did take a slight dip in the early twentieth century, when tastes became more Spartan, but simplified designs and clean-cut lines quickly turned the situation around; in the span of only a few decades, rattan garden furniture was as popular as it had once been, and had begun a second resurgence.

From that point onwards, the story is well-known: rattan garden furniture became a common sight across the western world, and production methods continued to be innovated, right up until the point where natural rattan began to be replaced by synthetic polymers which improved durability and weather resistance. Nowadays, it is virtually impossible to walk into any western garden and not see at least one item made out of this material, and it is expected that the history of rattan garden furniture continues to be written for decades to come.

Rabu, 18 April 2018

Frigidaire Air Conditioners - Why You Need One This Summer

Frigidaire Air Conditioners - Why You Need One This Summer

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Frigidaire Air Conditioners - Why You Need One This Summer

Do you remember how hot it was last Summer? If you were like me, then you tried to save some money by simply putting a fan in the window and trying your best to endure the hot Summer night without the help of an air conditioning unit. Don't forget that prices increase the closer we get to Summer, so even if it's dark and rainy outside, do yourself a favor and save some money by investing in a cooling unit sooner rather than later! But, as with any purchase, it's important to educate yourself with regard to the choices you have before you buy. It is important to remember that the use of an air conditioner can escalate the cost of your utility bills and the use of energy. Also, did you know that humidity amplifies how hot the temperature feels? This is because the warm water molecules are held against your body. Consider a dehumidifier to reduce the moisture within your house, which will further contribute to a cool environment.

In warm climates such as Arizona, central AC is common. However, central systems are innefficient and consume a lot of energy, which can cost you a lot of money. Portable air conditioners, which are usually perched in windows, or wall units, which are installed in areas that you want to stay cool, may be an acceptable and more energy-friendly option.

There are many different brands and sizes to choose from. The Frigidaire FAa065P7A, with a 6,000 Btu rating, is Energy Star rated and won a "best rated" award by a compilation of reviews by a consumer rating company in June of 2009. It won the award based on its ability to cool rooms of about 200 square feet, with ease of use, a digital display and a handy remote control. Considering the price, performance and efficiency, this unit had the best combined rating. The only negative noted in the comments was the decibel level. Don't wait to start your product learning process until you're already cooking in the heat of the Summer. Frigidaire air conditioners are backed by a company that enjoys a stellar reputation in the industry. Look for the logo that will be identified on every item they manufacture. The logo is stamped with pride by Frigidaire to assure consumers they are purchasing an item that will perform to great satisfaction.

Many of the Frigidaire air conditioners have controls which can be used to set the temperatures by 3 speeds. Each of the Frigidaire air conditioners come with an antibacterial filter to keep out harmful airborne particles such as dust and bacterial.

By now, I hope you agree that it's never too early to start the search for an air conditioner. Purchase a Frigidaire air conditioner today and put your mind at ease because you'll be all set for summer!

There are additional assessments and details concerning Frigidaire Air Conditioners at my website. I am going to even let you in on a little secret: Where to get them cheaper than everywhere else on the web ;) Thanks a lot for browsing, and all the best!

Going Green & Saving Money with Downsizing

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