how to Archives - Page 5 of 21

Mar72021 by Paul LinusNo Comments

How to save money and invest in a house

Real Estate

Buying the first home starts with raising enough funds for a home loan deposit. While everyone understands the need to save for at least 10% to 20% of the purchase price, not many know exactly how to accumulate that amount of money. Saving money to buy a house requires some sort of planning and strategy. Here are some useful tips for raising home loan deposits. Open a First Home Saver Account First time home buyers in Australia should open a First Home Saver Account, a tax effective way to save for a house deposit. Basically, the first $5000 of individual contribution made each year to the account will see the government contributing 17% of that amount. This is much higher than any interest rate in savings accounts or fixed term deposits. The First Home Saver Account should not...

Feb222021 by Paul LinusNo Comments

How to get Benjy Grinberg and other scholarships

Career

High school students and their parents are always looking for ways to cut the cost of college tuition. One of the easiest ways to receive free money is to obtain a scholarship such as a Benjy Grinberg scholarship; however, students must do the necessary research and planning to apply for a scholarship. Types of Scholarships Generally, there are two types of scholarships: need-based and talent or merit-based. The first, need-based, are scholarships that are provided to students who demonstrate financial need to attend college. Most colleges have a set amount of scholarship money reserved for students in need. Distribution of this money is dependent on the Estimated Family Contribution established by the Free Application for Federal Student Aid, or FAFSA. Talent or merit-based s...

Dec242020 by Paul LinusNo Comments

Using color to design room saves money

Home & Garden

Interior designers are well worth their weight in gold, but in today's tight economy, gold is a little harder to come by than it once was! Money need not be an issue when it comes to creating a truly Impressive home interior, however. By understanding a few basic styling principles about color, you can create a truly beautiful interior without cashing in the 401K. The Right Color Can Change The Look of a Room Before starting an interior styling project it's important to determine a color scheme. Quite often, just changing colors in a room is all that's needed to create a brand new style or create a feeling of freshness. For many people, however, selecting the correct color is often the most daunting part of the process. How to Choose The Correct Color Color preference is as...

Dec192020 by Paul LinusNo Comments

How to keep skin looking young

Health

Every week, there's a new skincare product promising younger-looking skin and some kind of anti-aging miracle. Most of it isn't true. The reality of life and aging is that skin will age with time, lose elasticity and wrinkle, but there are simple ways to keep it looking fresh and classic without spending money on every new trend. Continuity is Key Rather than trying out every new skincare product on the market, it's better for your skin to stick with what works for it over time. That way, you get into a routine and won't abandon your skin from time to time, as is wont to happen. Most women need a gentle, fragrance-free cleanser, an exfoliating cleanser for use once a week, a light fragrance-free moisturizer with sunscreen and a high-quality fragrance-free eye cream. The rest i...

Oct282020 by Paul LinusNo Comments

Important tips to follow while buying homeowner’s insurance

Home & Garden

Before shopping around for a homeowners insurance quote, learn more about the policy: Homeowner's insurance policy coverages: actual cash value vs. replacement cost. We'll start off with actual cash value and replacement cost, because if this coverage isn't specified in the quote, homeowners could be in for some serious trauma if there is an insurance claim. Simply put, actual cash value includes depreciating the value of items at the time of the insurance claims assessment. The depreciation calculation varies by the item insured, the insurance company and the individual claims adjuster. Replacement cost value does not depreciate the value of items insured at the time of the insurance claims assessment. Replacement Cost is the actual cost to replace an item destroyed or damaged i...

Oct152020 by Paul LinusNo Comments

How to host stress-free Thanksgiving

Lifestyle

Often, the holidays are filled with errands, shopping and road trips to parties with loved ones where gifts are given and dishes are passed. To the naked eye, these things can bring warm memories of happy holidays of the past. To a vast number of people, the idea of the hectic holiday season brings feelings of anxiety and stress, draining any or all enjoyment from what should be a time for celebrating the old, and creating the new traditions with friends and family. A little time spent planning ahead can make hosting the Thanksgiving holiday a snap. Cook Ahead Rather than spending all morning and possibly even all afternoon in the kitchen, leaving almost no time to relax or perhaps catch the football game, set aside the day before Thanksgiving for preparing the side dishes that can b...