Are you looking forward to take college loan for higher education in Canada? With the educational costs skyrocketing in the country, student loan and funds are the sole savior. Besides, there is Registered Education Savings Plan by Heritage Education Funds. It’s a program under which parents can open a special savings account to accumulate savings to fund their kids’ education. For more information on the Plan, please take a look at https://www.heritagerep.com/.
Now, a college loan always comes with the burden of repayment. One has to be extremely careful about loan management and repayment to get rid of the debt on time. The post below shares insights on the top things to remember for easy loan management & repayment.
Sizeable and early payments
If you want to get rid of your college loan fast, try to go for hefty repayments. You can start repaying right from the 6 month grace or non-repayment period. If possible, start to make payments while you are still in college. Once you get a job, you will get entangled in many additional expenses like car or house loan. All these may affect your capacity to repay your old college loan on time. Thus, it’s advised to start paying early and that too with lofty payments. It will shorten your repayment period and help you to come out of the debt fast.
Enhance monthly payments
If you can increase the repayment amount each month, the extra sum will be applied straight on loan principal. It will reduce both the interest and total loan sum to be repaid.
Let’s describe the situation with an example. Say, your college loan amounts to $25,000 and carries 5.5% rate of interest. In this case, you will need to pay $7,555.88 over your repayment period, say 9.5 years. But if you can enhance your payment each month by minimum $50-$100, you will be able to save on at least 1/3rd of your interest.
Live in budget
Try to live in a budgeted lifestyle when you have to repay the loan. It’s better to refrain from any large additional expense as it may hamper your ability to repay the loan on time. For example, an international trip to celebrate your first job is a strict no-no when you are still under college debt. However, a short weekend trip once in 3 months would still be okay.
Chalk out a reasonable budget. Make one list for income, another for mandatory expenses and you should also have lists for savings, debt & luxury expenses. Try to cut out luxury expenses as much as possible for the time being.
Stay in shared apartment
It would be smarter to stay in a shared apartment with trusted friends than getting a whole apartment for your own. This way, the costs will be shared by all and you will have good lot to save and pay the debt end of the month.
Get another job
If possible, get a part-time job to make repayment easier. You can tap into your hobbies or any acquired skill to find an alternate career opportunity. For example, if you have taken a course on photography as a hobby, you may try to look for photography projects.
The star of your living room, your LED TV is certainly one of your most treasured assets. As a proud and happy user, you look forward to spend years with the LED wonder. It’s to note here LED TVs last for around 60,000 to 1,00,000 hours on an average. However, some LED TVs may give up before that due to mishandling on part of the user. You surely don’t want that with your LED TV. But for that you have to be extremely careful about its maintenance. Don’t worry, LED TV maintenance is no rocket science. There are just simple steps to follow to enhance the longevity of your LED TV.
Is it normal for your home to have the TV on while all family members are busy with different chores? Now, that’s a bad habit and you must stop that immediately. Put simply, make sure to switch off your TV when nobody is watching. Longer you run the TV, faster the lifespan will decrease. It would also be smarter to divide your viewing experience among several devices. For example, you don’t always need to watch movies on TV. Rather, you can view website of a movie streaming site to check out on latest flicks sometime.
Avoid excessive brightness & contrast
Higher brightness & contrast means your TV has to labor harder and that’s bad for your TV’s health. Thus, always make sure to never to go beyond the sufficient brightness & contrast level of your TV- in respect to its host room. A lot of people don’t bother to customize the contrast and brightness after getting their LED TV at home. But that’s just wrong. A LED TV needs to sport higher brightness while in a showroom. Needless to remind you, showrooms are usually brightly lit and hence high brightness is required to check the TV properly. But your home isn’t illuminated as a showroom. Thus, you should always reduce the brightness and contrast level of your TV after to bring it to your home.
Beware of dust, humidity & temperature
High temperature, humidity & dust are three prime enemies of LED TVs. If you are aspiring to enhance the lifespan of your TV, never keep it in a humid environment. Also make sure to keep humidity at bay. Beisdes, you have to clean your LED TV at regular intervals. You can’t allow dust to get settled on or near your TV since the results can be dangerous.
A LED TV tends to produce good lot of heat while operating. This heat must be allowed to pass freely as otherwise it may cause serious damage to the internal parts of the device. Thus, always make sure to have a proper ventilator in your room to ensure free passage of emitted heat from your LED TV. The bottom-line is you have to be careful about adequate breathing space for your TV.
Last but not the least, be careful of power supply while the TV is on. Fluctuating power supply is severely damaging for the health of your LED TV.
Interior design trends are changing over time. From practically simple and plain design settings in the previous decades to bold colors, vintages accessories and aspirational spaces in 2018, interior designs keep on developing and expanding in terms of trends, themes and motifs. As the year 2019 came into the picture, new trends have been introduced to the market. These trends bring more elegance and sophistication to your house. So, if you are planning to do some interior design change at home but still undecided of what trend to follow, you are in the right place. In this article, you will be armed with the latest trends in interior designs. Intrigue? Read on! Here are some of the most beautiful interior designs in 2019.
Choosing ornamentals and botanicals as elements of your interior design is still one of the trends today. Decorating a lot of greenery all over your home has always been on the suggestion list of interior designers. Not only plants bring beauty to your space but they are also essential organisms in absorbing harmful gasses in the air. Interior design experts suggest to place plants all together in a particular area is much more advisable rather than putting them separately and individually in scattered spaces.
Ornate and painted walls
Textured walls is also the rage of the interior design industry in 2019. Ornate and painted walls add more contrast and by using different materials in textured walls can make your space more appealing and pleasant to the eye. Additionally, gone are the days where single and plain paints are at the peak. Nowadays, mural painting and painting walls in different shape and colors are the new trends.
Gone are the days when grey phase is the best choice as a tone for your walls. In 2019, color saturation has become the best deal for a lot of designers and even homeowners. While grey and white colors provide airy mood, vibrant colors reflect and showcase your own personal choice, design and even emotions. You can now choose your preferred color for your walls and furniture and with it being the current trend, you will never go wrong!
Cherry wood and dark cabinets are definitely over in 2019. Today, painted cabinetry is the new hot contemporary elements in your home. Interior design experts claim that painted cabinets are timeless looking and can provide vibrant ambience to your interior. You can choose an array of designs and colors based on your personal style and preferences.
With these latest trends of Interior design, you can now start changing your space into a modern setting and theme. You just have to unleash your creativity, follow some of the trends that you prefer and you can never go wrong. Certainly, you will be able to transform your contemporary space into a décor inhouse penthouse looking space. That said, your interior designs will not look so over and on trend for 2019!
If you own a rattan sofa set but don’t know how to clean it, you are not doing yourself any favor. Not taking proper care of your furniture will cost you more money in the long run. But fret not, you will find all the easy tips on keeping your furniture clean and looking brand new.
Review the care label
First and foremost, you have to carefully review the care label. Every furniture comes with a care label that teaches the user about all the ways to take care of the furniture. This information is vital because each care label is very specific to the material that the furniture was made. Upon purchasing, your furniture is at its best state and the care label will teach you how to keep it that way. If you can’t find the care label, feel free to contact the manufacturer or browse through their website.
Keep your furniture away from the sun
Regardless of the material that your furniture is made of, you have to keep it away from the scorching heat of the sun. Much like our skin, the furniture will also be affected negatively when exposed under the sun for a really long time. The fabric may fade eventually, and the colors will change as well. There are a lot of ways to keep the sun away. You can use curtains or window films. You can also invest in furniture coats and paints for further protection.
Be careful with spillage
Furnitures are often used as tabletops and in this scenario, spillage is very common. Water is a big enemy for common furniture materials such as wood, iron and more. Thus, it is very important to protect your furniture from liquid spillage. To do this, you can always make use of tablecloths, placemats and other coverings. This will not only protect the furniture from spillage but also from food stains, scratches and kids playing with crayon or paint. If a spillage happens, there are also a lot of ways to deal with the situation. But you know what they say, prevention is better than cure.
Clean and polish your furniture from time to time
Last but definitely not the least, regularly clean and polish your furniture. By simply wiping at with a clean cloth and polishing it every six months will already go a long way. This will make its surface shiny and spot free. This will also allow you to check if there are scratches and tears that should be dealt with. There are specific products specialized for each furniture material so you have to be mindful of those.
Clean after your pets
We love our pets and we all don’t have the heart to tell them not to go into the couch when all they want is to nap. What we can do is to clean up after they every time they leave some fur on the couch or get bite marks on other furniture. Just be mindful of what they are doing or you can also train them not to play with your prized furniture.