Category: Life

Enumerated below are some of the best tips that you can implement when you are looking for the lowest mortgage rates for your requirements.

Compare The Rates In The Market

It is imperative that you do not finalize the deal with the very first lender that you meet in the course of your search for a mortgage. You have to make sure to make an application with several mortgage lenders so that you can be in a position to compare the different rates that they are offering you first. Additionally, they would also be charging you different fees. This discrepancy needs to be analyzed and calculated in accordance with your requirements. On an average, it is recommended that you get a quote from at least three or four mortgage lenders so that you can be witness to a fair spectrum of the charges that you would have to pay as well as the mortgage rate that you would have to bear. There are many instances where potential home buyers voluntary avoid getting multiple estimates from several lenders as it might seem that it could potentially lower the credit score, however, this is a gross misconception. You would be well within your rights to research the market and the rates that are going to be offered to you without it being detrimental to your credit score.

Maximize Your Credit Scores

Perhaps one of the most crucial determinants when it comes to your mortgage rate is your credit score. Your credit score is indirectly proportional to the interest rate that you will be levied on your mortgage loan. For this reason, it is what is that you maximize your credit score. You would have to be certain to stretch your credit score up to the highest level. You can compute your credit scores through various portals online. There are several ways to amend your credit scores if they are not up to the mark. First of all, it is recommended that you pay off any credit card balances that might not have been charged yet. The available credit that you would have left is commonly known as credit utilization ratio. On an average, the utilisation ratio constitutes for a significant percentage of your FICO score. In simple words, the more of it that you have the lesser your credit score would be. Hence, it is always advised that you pay of your debts as soon as possible so that you can maximize your credit score and get a lower rate of mortgage on your upcoming loan.

Pay Your Balances Off

It is also recommended that you get all your balances paid off. If in case you have a collection account on your credit, you would have to remove that at first. To do so, you could either counter the negative account with the Credit Bureau or you could get the collection accounts removed from the report as an agreement between the collection agency and yourself.

If you have been on the lookout for the lowest mortgage rates in the BC area, you can solicit the services of Super Rates.

 

Read Full Article

Choosing brown hair with highlights is only guaranteed way to give your dull hair some life. Doing so is pretty simple. The only thing you need is highlights! Highlighting the hair is very beneficial. It adds volume and texture to your thin hair. The resultant impact is usually breath-taking, just to say a few.

And if you are planning to braid your highlighted locks, you end up getting a visual masterwork. The light highlights fully into your brown hair to give it live. Though it is advisable to go to a salon to have your hair highlighted, this is something you can do at home. Well, check out some of our top ideas for brown hair with highlights.

https://instagram.fiev15-1.fna.fbcdn.net/vp/b2377c987d518cea7ee7502541aa231f/5BDFF0FE/t51.2885-15/e35/26067604_152095858778817_9063066853592530944_n.jpg

  1. Milk Chocolate and Brown Highlights

Enhance a touch of tenderizing mystery to your dull brown hair with highlights. And for you to do this, you need this colour inspired by the lady’s biggest weakness. We are talking about milk chocolate colour. The allure of the chocolate brown highlights on your hair can only be upgraded by blow-dried waves.

  1. Bronze Highlights

Rock your tresses with a metallic finish by utilising the bronze highlights that will take your hairstyle to a higher level instantly. The highlights of blonde complement gorgeously with chocolate brown hair to come up with a fantastic effect. When paired with extended bob styled in beautiful curls, you get a stunning style sure to turn many heads wherever you go.

https://instagram.fiev15-1.fna.fbcdn.net/vp/1b84df5d9afde5415f7a7b4f581d1e0a/5BD5A61D/t51.2885-15/e35/23347651_749354975264989_3032760047898722304_n.jpg

  1. Blonde Face-Framing Highlights

This haircut is for those ladies who don’t like excessive bleaching of their hair. These blonde highlights are styled only perfectly at the front to give a perfect framing of the face from all the sides. With subtle curls and long bob, this haircut is the right choice to give you a boss appearance you’ve been looking for.

https://instagram.fiev15-1.fna.fbcdn.net/vp/736bdbb364e4760a6f06828c08d262ff/5BEA4BBE/t51.2885-15/e35/31556939_2109158526028831_6746356189845520384_n.jpg

  1. Coffee Brown Hair with Highlights

This style incorporates brown highlights and some subtle shades lighter than your natural colour to come up with this beautiful look that creates interest without raising voice for it. The deep highlights frame the face very well and will match almost all your makeup looks.

  1. Blonde Highlights

There is absolutely no need to go for either brown or blonde highlights when in the real sense you can rock both highlights. The colour of this blonde highlight breaks the boundary between blonde and brown. The outcome colour is beautiful and unique that it will make you stand out from your girlfriends.

https://instagram.fiev15-1.fna.fbcdn.net/vp/30d58d7dee252aaebfcf11b34366791d/5BE2EA55/t51.2885-15/e35/36712401_216166805701941_210245482432167936_n.jpg

  1. Super Slight Auburn Highlights

If you that kind of a lady who doesn’t like to be the centre of attention, this is the right haircut for you. The haircut doesn’t call for any attention and will keep you comfortable, yet stylish. The accents of auburn complement your skin colour, and therefore no much contrast created. The colour is also not so bold to command attention.

Read Full Article

If your windows have started deteriorating, their seal has become weak, and your utility bills have grown, it’s time to replace your windows. As your windows age, you begin experiencing a cut in the energy efficiency of your home, as well as dust starts sneaking into your home.

Image result for Replacing Your Windows

Replacing windows can be a large undertaking and such decisions are not made overnight. You need to choose between the different window styles, consider options like glass coatings, as well as find the right window manufacturer and a reputable installer. This means a lot of careful planning and consideration goes into the process of window replacement. Most of the homeowners find this process overwhelming and ultimately they end up making some common mistakes. However, considering the cost involved and the crucial role windows play, it’s imperative to avoid these mistakes. So, to help you make the process as pleasant as possible, we’ve listed 4 common mistakes to avoid when replacing your home’s windows.

1. Not Considering Other Options for Replacement Windows

Most of the homeowners find it convenient to replace their windows with the exact same type or style that they already have. When you purchase exactly the same windows, you miss the opportunity of finding a better and more durable substitute for your home. There are plenteous designs, material, and styles of windows available on the market today. By simply changing the style and material, you may experience better energy efficiency and give a great new look to your home. For instance, you may replace your Double-Hung window with Casement window to get more energy efficiency.

2. Making a Selection Based Solely On Price

You don’t go about replacing your windows every year. Such an investment is made only once or twice in your lifetime which means you should not compromise with the quality. Remember, you get what you pay! Obviously, you need to find windows that fit your budget but this doesn’t mean that your final decision is based on price only. If you’re looking for affordable options, vinyl windows can be right for you. However, if you want windows that require little maintenance, fiberglass can be a perfect choice. You spend once on energy-efficient, beautiful, and durable windows and they give you benefits for years to come.

3. Neglecting Energy Efficiency

These days, most of the homeowners want to reduce their utility bills. As such, they look for energy-efficient windows that not only save energy cost but also protect the interior of the home from harmful sun rays. It’s seen that homeowners who made a hasty decision or purchase windows by simply looking at the price tag regret later. When you choose windows that are not energy-efficient, most of the heat escapes your home through these windows. But if you invest in energy-efficient windows, you will see a reduction in your energy bills.

4. Opting the DIY Installation

A big mistake is choosing the DIY route for installing your new windows. Some homeowners believe that self-installation could be a cost saver when in reality it’s a blunder. This is because you neither have the right tools nor the required skills that are necessary for perfect installation of windows. You have spent huge bucks for purchasing beautiful new windows but poor installation will result in expensive repairs and loss of energy in months to come. You don’t know how to properly seal the windows which means heat and air conditioning will escape and enter your home. Moreover, if installed incorrectly, you’ll also end up voiding all warranties on the windows. Therefore, tasks like this should be performed by professional window installers only.

 

Read Full Article

Do you want to try anything in between colour schemes? You can achieve this by rocking any one of these light brown hair shade ideas. They are not too dark or too light, they are just what you need right now. However, what makes it the best pick for most ladies is because they are highly versatile and they can be styled effortlessly. Maintaining them is also very easy.

Here we have compiled a list of the most popular and trendiest light brown hair that you will love to try. There are different highlights, lowlights, colour melts and more for you to try. This is undoubtedly a great post to read if you want to try something new. Take look.

  1. Tan Skin Ombre

This is pretty cute lob hairstyle. It is a bluntly trimmed haircut with texturized trimmings to enhance the movement and reduce the bulkiness of the hair. The sun kissed balayage together with the chic style of this haircut gives it bold statement. It is the best haircut for ladies with medium textured hair since it brings an impression of thick tips.

  1. Wavy Short Brown Cut

This is a beachy and texturized look. The look is brought about using a balayage technique where the hair is painted with sun kissed layers. The blended brilliant trimmings and the highlights with the brown hue looks great. This look is ideal for almost all lengths of the hair. Also, the beachy sun kissed look is great for all ladies. We recommend it to ladies who want natural hues on their hair.

  1. Textured and Rooty

This is a bold light brown hair which is also effortless to create. It is loved by most women thanks to its ability to complement different face shapes, and many personalities as well. It is characterised by the light ends and darker roots. You can say it is exclusively all about you! It is definitely the best pick for the ladies who want to create statement and stand out from the crowd.

  1. Light Brunette and Blonde

The baby lights and the matched painted layers comes up with a perfect blonde and brunette meetup blend. It is characterised by the effortless transition and the lively look that is created by the combination of these duos. This light brown hair colour is super versatile and ideal for those professional women who are always on the go. It is also super low maintenance.

  1. Warm Walnut Brown

This is a combination of varying hues of brown and cool dimensions. It is super cute summer look and darker brown hair with highlights. The best thing about this haircut is the warmth it exudes and varying hints brought about by the highlights. We recommend it to ladies with darker hair, and wanting to go lighter. It is low maintenance hairstyle too.

Read Full Article

A piano is one of the most expensive and antique possession. However, this fragile music instrument is also awkwardly-shaped and weighs around 1000 pounds. This makes it difficult to move, handle and protect from potential damage. When shifting to a new home, people are worried about how to safely move their beloved piano. This is because the instrument has an intricate design and even a slight bump on the road, a single drop, can damage it.

Image result for Piano Mover

It is important to safely relocate the piano to a new place because if anything breaks or damages, replacing the parts of the piano and fixing is very expensive. For this reason, people are advised to avoid DIY for moving a piano, unless they have experience and know how to deal with it. It is best to hire a professional piano moving service to save your energy, time and money. The professional piano movers will provide you with insurance for the job and will guarantee perfect service. However, before you hire the piano movers, it’s better to keep certain things in mind to ensure you’re hiring the right people for the job.

Lifting and moving a piano needs plenty of manpower and special equipment. Therefore, piano owners rely on professional services. While looking for a piano mover, always find someone with experience to execute their job professionally. For a safe move, always be clear with the way they deal and read their website for details carefully, including the terms and conditions of the company. It is highly recommended to hire a piano mover who would give an insurance cover. This is to ensure that the moving company would take care of all the costs if the piano is stolen, scratched or damaged in any ways during moving.

The piano moving company you hire must provide door to door delivery. It is the responsibility of the movers to pick up and deliver the instrument directly to your destination. In the case of moving piano overseas, it is important to know every detail related to the ship transportation. The details include airtight packing of the piano, import duties, and other regulations.

Proper prepping is crucial to ensure that your piano would reach the destination in proper shape. Wrapping the piano in the right way is the key to safely move it without scratches and other damages. For proper wrapping; first, close the piano and wrap up the whole instrument with a thick soft blanket. Next, to ensure that it stays in place, secure the blankets with tapes. It is important to note that the tapes should not be in direct contact with the surface of the piano as it might blot its surface.

Don’t wait for the last time to call a professional for help because a piano mover should get some time to look at the dimensions of the piano and the destination place. This will help them in deciding the types of equipment and the workforce required according to your needs. They have to consider many things like narrow staircases, doorways, various levels of the building that needs to be navigated to make sure that no damage comes to your piano.

Pianos are not only fragile, heavy, and expensive; they also have great sentimental value. For all these reasons and many more, hiring an experienced and professional piano mover for moving any type of piano is the best option.

 

Read Full Article

Some interstate movers says, apartment hunting can be a very exciting process, especially if it means moving into a better neighborhood or a bigger space. Often, the timing of a move can’t be negotiated, whether it be due to an expiring lease or unforeseen circumstances that force a quick move. But, if you can time your next move for when the market gives the renter the advantage, you could save a small chunk of change in your monthly rent. So when is the best time of year to move, and when is the worst? Let’s take a look.

Image result for New Apartment

Winter Is The Best Time Of Year To Move

Okay, maybe it’s not the best time of year for you to move personally speaking, especially if you live in a colder climate that leaves you fighting with frigid temperatures and possible snow in the middle of your move. But, financially speaking, a move during this time of year will fetch lower monthly rent, saving upwards of $200 per month.

Most everyone else chooses to move during warmer months. For families in particular, moves are made when the kids are not in school, just after the end of the school year or right before school starts back up. You may hate making the move in the middle of winter, but your wallet will thank you.

Some markets aren’t as flexible as others. You’ll see much slimmer margins on saving in large cities where the market does not fluctuate much. In more rural and suburban areas, particularly in areas of the country with distinct seasonal weather patterns, the savings will be much more noticeable. The savings should be enough to have a little more grocery money at the end of the month, kick a little extra into your savings account, or splurge on an upgraded cable package, for instance.

Summer Is The Worst Time Of Year To Move

You may have guessed it already, but the most popular time of year, which makes it the worst time, is moving in summer. Everyone and their brother wait to move to a new place until the summer season because the weather during this time of year is warm, and it’s the time of year school is not in session.

So naturally, you face more competition when apartment hunting. Landlords take advantage of this and hike up the advertised monthly rent depending on the size of the apartment. During the winter, apartment seeker numbers are at their lowest, so landlords lower advertised monthly rent to attract prospective renters.

During the summer your options will naturally decrease, meaning you may need to compromise significantly on your apartment wish list. This problem is especially evident in more populated areas where apartments go quick enough as it is. If you’ve got a wish list you’d hate to compromise on, wait until winter to go hunting for our new home, if you can.

While considering the best time of year to move, consider other factors that may present an opportunity worth taking such as new builds with grand opening rental rates, or complexes developed in areas that are less developed.

 

Read Full Article

https://scontent-frt3-1.cdninstagram.com/vp/ddacc80e3473c54500f22b64ecc8a279/5C7EB9C6/t51.2885-15/e35/26365448_679225249131643_2619171121248862208_n.jpg

Finding the right black men hairstyles is not like a taking a cup of coffee on a chilly morning. It is particularly challenging if you don’t know the trending new styles. The modern haircuts for black guys typically incorporate a high or low fade cut with short hair at the top. However, with all the modern trendiest styles, black men now have so many hairstyles worthy trying.

So, if you are seeking for a contemporary and fresh black men haircuts, this article will highlight some of the trendiest and fashionable hairstyles and cuts worthy trying. Here you will get the best style for a cool look. Read this article for more insights.

1.High Top Fade

The standard high-top fade for black men is back yet again in all its 90s charm. Also called box fade or box cut, the top fade haircut is a sharp and well-structured cut ideal for the men who need natural but voluminous style.

The cut incorporates a fade that goes to the base of your neck and short sides. Hair of about 4 inches is styled at the top. The hair at the top is further trimmed into a rectangular shape, hence the name; box cut.

2.Afro Fade

This black man hairstyle is all about wildly curly top hair and short sides. It needs little maintenance as compared to the box cut. This style is typically a modification of box fade, with more natural hair length at the top.

The fading is done at the back and the sides which are either high, mid or bald fade. Overall, the afro fade is a wild cousin of the box cut.

3.Short Part with Fade

This is very common black men hairstyle. It is ridiculously easy to style and wear. Regardless of the length and thickness of your hair, you can wear it. Ask your hairstylist to shave a clear hard part line on one side of your head.

The part incorporates a dramatic symmetry to the haircut, resembling haircuts such as disconnected undercut and side part.

4.Line Up

Ideal for black guys who want to maintain sharp, clean hairline. The styled line at the front adds structure and style to your hair. Also called shape up or edge, your barber will cut a line straight across the forehead and all the way around the temples to come up with boy look which gives a superb frame to your face.

For black men who want to wear buzz cut, cool fade style or waves, they can consider the line up to highlight their strong jaws.

5.Curls with Fade

If your hair lucks tight curls needed for afro fade, but it has loose curls, this hairstyle is the best for you. The curls with fade are specifically common amongst black guys.

See more here https://menshaircuts.com/

Read Full Article

CHANDIGARH: A group of youth from Chandigarh have got together to organise the unorganised sector of property leasing and connecting it to the digital world and making it a customer friendly process. This startup is designed to cater leasing solutions to all the sectors of the industry i.e. commercial, residential, warehouses and industrial – one-stop shop for all your leasing problems. It caters to both landlord and tenants, besides also giving assistance in rented accommodation. Every property listed has its genuine pictures and no property is listed without the pictures.

https://graetnewsnetwork.com/wp-content/uploads/2016/10/hqdefault.jpg
The core team of the startup also includes Founder & Chairman Manmeet Singh, 38, Neha Duggal, 30, from the hospitality background, and Sakshi Bagga, 25 from management background, both co-founders of the startup. etolet.in was launched on Friday at INNOV8 Co-Working Space in Industrial Area Phase I.
Giving the information, Manmeet Singh, said, “I am a landlord myself and well aware of all the problems faced by landlords and tenants these days in leasing their properties. After facing all the challenges we decided to launch a solution for leasing properties.”
He said, “Locality view is our outstanding feature which showcases the entire locality including parking area to have a better view of the surroundings. We have special feature that let you save your favorite property on SMS. It sends you the required details and you can access it without the internet.”
“We also provide assistance for every transaction which is made between landlord and tenant is through etolet.in where we also process properties that fall under low foot fall markets. We are online but are physically present for Executing Agreements and handing over the possessions to tenants”, added Mr. Singh. The startup etolet.in promises to give full assistance to landlords at their door step and online assistance to tenants.

Read Full Article

Union home ministry has tasked Living Tired  Custodian of Enemy Property (CEP) of India to prepare a complete status list of enemy properties following which the Centre plans to act and take possession of all such properties.

A top government source said there are 9547 enemy properties, having estimated worth of more than Rs. 1.1 lakh crore, scattered in important cities such as Mumbai, Delhi, Kolkata, Bhopal, Hyderabad and Lucknow etc.

“There are court cases pending against 1215 properties. Most of the other properties are under illegal possession and occupation at prime locations in key cities, and can be used to serve government needs that are falling short of space in premium locations.”

Enemy properties are those abandoned properties which the government took over when their owners chose to leave India and move to Pakistan and China after Partition and the 1965 and 1971 wars.

“It is better if the government takes possession of all such enemy properties before they also get mired in court cases that linger on for years,”said the source.

Recently, the government has taken possession of 31 such properties and decided to give their possession to the central reserve police force (CRPF) and border security force (BSF) that facing space crunch for their offices.

The Government of India had created the office of CEP under the Enemy Property Act, 1968 soon after the 1965 war to tackle the growing list of abandoned buildings and their encroachment.

The new move comes after the government failed to pass an amendment in law governing enemy property.

The amended act says once the custodian’s office becomes responsible for a property, it shall continue to remain enemy property even if the original owner ceases to the country’s foe. Besides, the law of succession will not apply to enemy property and cannot be transferred as well.

The bill failed to pass in the Rajya Sabha because of protests by the opposition parties following which an ordinance was promulgated to keep the amendment in force.

 

READ MORE : 

Read Full Article

MUMBAI: Mark Zuckerberg-owned Media Focus  social networking behemoth Facebook is the latest social media titan to join the race for the media rights of BCCI’s biggest property, the Indian Premier League. Twitter has already evinced interest in IPL’s digital rights.

Image result for Facebook now trying to cash on BCCI's biggest property, the Indian Premier League
BCCI sources confirmed to ET that Facebook has picked up the IPL tender and is most likely to bid for the digital rights of the league. A Facebook spokesperson, however, said: “We don’t comment on rumors and speculation.”
Earlier this year, Facebook had streamed Premier Futsal on its video platform Facebook Live. In August, it streamed Wayne Rooney’s testimonial match between Manchester United and Everton. It also allowed fans to chat with other fans, send wishes to Wayne, and learn how to donate to his foundation. In the summers, Facebook streamed nine USA Basketball exhibition games live.

“We’re focused on helping our partners experiment with a variety of Live content types — from ‘behind the scenes’ access to first-person athlete Q&As to live games. We have seen great results when we have streamed games live — and continue to be interested in testing the viability of this content on Facebook,” the spokesperson added. “We will continue to work with our partners to find the best ways to connect their content to the world’s largest community of sports fans.”
Interestingly, Facebook has been seeing a jump in conversations during IPL year-on-year. During IPL 2016, Facebook said that the league drove the highest level of conversation it has measured for any IPL season — 360 million posts, comments, and likes.

Facebook pages of the IPL and eight teams totalled over 140 million video views during the season. Also, during the 50-day tournament, the IPL’s Facebook page added over two million new fans touching 18.3 million subscribers.
Facebook will join the likes of Amazon, Twitter, Reliance Jio, Times Internet and broadcasters like Star India and Sony Pictures Networks India (SPN). ET was first to report that Twitter has also joined the race, hinting at a very competitive bidding for the digital rights.

READ ALSO  : 

Read Full Article