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.
Shower pods are a great addition to any bathroom today. It’s true that these were mostly restricted to commercial use in the past. However, these have proved to be handy for small bathrooms of modern apartments these days. Are you too planning to get a shower pod for your bathroom? Now, there is a wide range of shower pods available today and not all would be compatible for your bathroom. However, not to worry- the post below offers a brief on the expert tips to find the right shower pod for your bathroom.
Check the available space
Before you march to shop for shower pod, make sure to get a fair idea on the available space for the enclosure in your bathroom. If space is an issue, you can go for quadrant cubicles that you can easily perch in a corner of your bathroom. These pods don’t take much of bathroom floor space and hence are great for bath areas with restricted space. However, if you can allow some more space, you can try out rectangular or square shower pods.
Get a comparative survey
There are various websites today that offer shower pods for residential bathrooms. But don’t settle with the first one you come across. Don’t forget, shower pods are long-term investments. These are not something that you will install every year. Thus, you have to be careful while you finally sign the check. It’s advised to get a market survey on at least 5-6 dealers you come across online. Check their market reputation, experience and quality of shower pods on offer. Don’t forget to check the customer testimonials. The one you choose should be backed by a solid market reputation and a long list of happy customers.
Thoroughly tested pods
Your dealer must assure you thoroughly tested pods. A leading dealer will always assure reliable shower pods extensively tested for rust issues and damage potential in door runners and door handles. Don’t forget to ask for proof of inspections. A trusted dealer will be happy to show all the documents related to inspection of your chosen shower pod.
Go for electric shower pods
If you deem yourself to be a conscious citizen, it’s advised to go for electric shower pods. What’s so special about the electric options? Well, they will only heat the water when the user actually needs it. This way, the electric shower pods help to conserve both water and energy. It also means electric shower pods would prevent unnecessary hikes in electric bills at your home. You can check out various options of electric shower pods from https://steamshowerstore.co.uk/electric-shower-pods.html.
This is another important point to keep in mind while getting a shower pod. Shower pods are usually pre-fabricated structures. Make sure, the one you choose is easy to install in your bath space. If you plan to do it yourself, you may have to invest in a DIY kit. If you are under tight budget, a DIY kit would help you to save big on installation costs.
After buying a shower, one has to buy enclosure of it. You need to consider following things like-
- Installation worth
Buying a shower pod isn’t an easy task because you need to analyze lots of things. Try to find a certified shop where you can easily buy shower enclosures at a discounted worth. Along with pod, an individual has to buy essential things like cubicle that can quickly fit in the bathroom. Buy small cubicles and eliminate certain issues. Find out enclosures at commercial websites at a reasonable worth. Following are some consideration that user take into account while buying shower enclosures.
- Pay attention to the shape
You need to check important things in a cubicle like a shape and size. It is mandatory to buy cubicle according to the size of the room. Buying a perfect curve shape cubicle would be reliable because it will surely improve the attractiveness and overall impression of the bathroom. Before investing money into any closure, you have to research it carefully. Moreover, the user must check the durability of the cubicle glass properly. A top-notch quality will last for several years. According to researchers, glass always comes in different styles. Hence, one must choose a genuine glass according to the needs.
- Check the frame
A lot of frames are out there but always consider a simple one that will improve the appearance of the shower. Take the assistance of professional plumber who will surely suggest shower pod according to the requirements of the user. Along with accessories, investing money in curtains will benefit you because it will improve the attractiveness and beauty of the home. Nothing is better than a genuine glass closure would be an ideal option for those who don’t have any concern regarding the budget.
- Consider the installation process
After buying the right enclosures, the installation process will take almost a fraction of seconds, and it will cost limited bucks. Try to consider the perfect certified company who will surely provide the right person at a discounted worth. It will save a lot of money because you don’t have to purchase any DIY kit or other accessories.
Before investing money in the shower closures, you have to consider the budget. It is a fairly vital task that will save a lot of time and money. Online commercial websites would be reliable because they are offering high-end quality shower enclosures at a discounted worth. All you need to filter the results and buy enclosures according to the budget.
- Thickness of glass
While buying the glass for a shower, you need to measure the thickness of glass carefully. In order to create impressive and attractive glass, one should opt for 10mm glass that will last for several years.
Lastly, make sure that you are buying superior quality shower enclosures that will last for several years. A superior quality shower pod would be the ideal option for you. Try to choose an unbelievable quality enclosure that will last for several years.
Online dating is just like a rollercoaster ride which is full of adventure and a little bit horrible. It is also an exciting thing for us and leaves your feelings which are including. In our mind, several questions are arises like how profile look like for good impact? What kind of attitude you have to show? And how you can choose the right person from several options?
Some people meet face to face in a big hall without drinks and brands, which leads to spending lots of money and time. Due to this online dating is the best way to meet people. It is hard, but you get the best person for your life. Shallononline is the best site to meet the person. There are some tips which help you in finding the best person on online dating journey.
Make your wish list
If your profile is up to date or running well, but you have to take a step away from the screen for yourself. Make a wish list that what you want from online dating? Many people answer us by a trick rather than honesty. We want honesty in a person, so our wish list helps you in finding the best person.
The makeover of your profile
Sometimes you didn’t get replies from the person you have liked. Some people read your profile and ask the question: Would you want to date me? The most effective profile is about 100 words and uses positive language which is easily understood by the people. If the person looks at your profile, then it wants to know more about you. You can also compare your does and don’t with your partner which you have chosen and put the best picture of you for the best one.
Your profile is looking good; now it’s time to start talking to people. Then write the first message which can be of a minefield. In online dating, it is a chance to plan first, but it is hard to know what to write, there is some simple rule to play. Avoid to sending the same message to everyone which leads to ignoring you. Show them that you are interested in asking a question.
It is more important to know about your match before you meet. Save some best conversation for the first meeting; this is easy and carried away from the emailing and chatting. If you don’t like that person, then there is no need to compromise.
Meeting on the first date
All the things are planned you will secure yourself for the date, the expectation is high. It is exciting for both parties and difficult to behave. This is not uncommon for stress that betters you, but it affects the way you come across.
These are some tips which help you in finding the best person. This leads to enjoying the experience and the best way to shine. Shallononline.com is the site in which you get the person of your choice and have some privacy which secured your profile.
Cats are fantastic pets as they keep themselves clean by licking it all over. But however, they have to pee and poop which can cause a strong smell to prevail all over your house various measures can be taken to prevent your house with all these crap. This can be reduced by using cat litters which are nothing but small boxes in which you cats can be trained to poop. Bad odor can be controlled by using the best odor control litter available in the market. If you own a cat for a few days and do not have an idea on how to buy the best litter box for your pet, then you can find for the litter box with the following characteristics.
the litters for cats must be mixed equally with the litter so that they can be easily removed by the owner. The formulation should be clumped together with the litter which is easy to remover after a certain period. The clumping power of odor control litter is very important when choosing the product. As it is the main factor that makes the litter reduce ammonia and thereby reducing the odor.
most of the best odor control litter of cats comes with the pleasant smell that combats the odor created after your pet poops. This is great as you cannot smell the odor of cats’ excretion during parties and while guests are coming over. You do not have to embarrass your guests coming to home with the bad odor from your cats.
- Minimal dust:
some of the odor control litters can produce dust and can cause harm to your cats. It is common but it should not affect the cat’s respiration and it can also cause damage to human beings. Hence the odor control litters should not produce dust that is allergic to both cats and humans as well.
find the best odor control litter that is made of materials naturally. The cats will not know the toxic substances and chemicals used and there are higher chances of getting into his body. If it is natural, it can also be disposed to the land which will be natural manure to plants. The chemicals used in non-natural litters can cause damage to both the cats and the environment.
- Choosing for multiple cats:
the best odor control litters can be chosen by the cat owners keeping in mind of the other cats also. Getting the cat litter for multiple cats can save you a lot of money but choosing them must be liked by all the cats.
the paper-based litters are very useful in absorbing the total moisture to the bottom of the box. This makes it odor-free and they also have scents which reduce the smell coming further. The pellets inside the litter box will completely absorb the moisture and will expand in size. This will layer up to the top of the box and can be removed easily.
- Using silica gel:
the silica-based litters are the best odor control litters as they are made of sodium silicate which is processed with oxygen and water. They have tiny pores on their outer surface which will absorb more water content from the solid litters. Most people misunderstand that these are harmful to their cats. They are not and litters with crystalline silicate are harmful.
the odor control litters you buy must be lesser weight. They are biodegradable and hence no harm can be caused to the cat as well as to the environment. Unlike clay litters, these types can absorb three times more liquid. It clumps like many other litter types and helps us to remove the wastes easily.
There are many companies that offer the best odor control litter for cats and other pets. But it must have certain factors like affordable cost and 100% natural in order to work properly. They must be made of natural produces so that it will not cause any damage to cats if they ingest them by accident. So before choosing the best odor control litter for cats, they should be natural, biodegradable and useful to cats for safe littering.
Memorial Day services set throughout county; Events planned in Raton, Springer; veterans memorial hosts annual activities
Memorial Day ceremonies and other activities are planned in Raton, Springer and at Vietnam Veterans Memorial State Park near Angel Fire as veterans who sacrificed their lives at war, as well as those who served their country and returned home, are remembered this weekend. In Raton, the local Veterans of Foreign Wars Post 1793 has organized the annual ceremonies at each of the city’s two cemeteries. The Monday ceremony at Mount Calvary Cemetery (on Red River Road just west of South Fifth Street) will begin at 8 a.m. Monday, to be followed by a ceremony at Fairmont Cemetery (on Sugarite Avenue between Washington and East Boulevard streets), expected to begin about 8:45 a.m. The ceremonies are to include presentations from the VFW and its Ladies Auxiliary, American Legion, Disabled American Veterans, Elks Lodge, and United Mine Workers of America.
Following the ceremony at Fairmont Cemetery, the VFW will host a free community breakfast at the post home (106 Park Ave.)
Prior to the ceremonies Monday, volunteers will begin at 6:15 a.m. setting up flags around the Tourist Information Center at South Second Street and Clayton Road. They will then move on to set up more flags on the county building lawn (230 N. Third Street) and nearby in front of city hall (224 Savage Ave.). All volunteers are welcome to help set up the estimated 200 flags, as well as take them down that day at 4 p.m.
In Springer, flags will be placed at the cemetery beginning at 6 a.m. Monday, with a Memorial Day service planned there at 10 a.m. On Saturday, the holiday weekend gets underway with an open house at the Santa Fe Trail Museum (516 Maxwell Ave.) from 10 a.m. to 2 p.m.
Meanwhile, Vietnam Veterans Memorial State Park near Angel Fire will hold its annual Memorial Day activities during the long weekend.
Vietnam veteran and author Jack McLean will present a talk and sign copies of his book, Loon, on Saturday from 4 to 5 p.m. and again Sunday from 2 to 3 p.m. A prisoner of war/missing in action presentation is scheduled for Saturday from 3 to 4 p.m. and Sunday from 1 to 2 p.m. The presentation will provide information from the Joint POW/MIA Accounting Command, which has a mission of trying to achieve the fullest possible accounting of all Americans missing as a result of the nations’ past conflicts.
The remaining schedule of events at the memorial:
Sunday: 11 a.m.-noon — Sandra Wasko-Flood, founder of Living Labyrinths for Peace, will discuss the history of the project and how it is used in healing programs for veterans. People will be able to walk a labyrinth nearby; 6-7:30 p.m. — candlelight vigil featuring speakers from veterans organizations.
Monday: 8:30-9 a.m. — Taos Pueblo shows how it pays tribute to its warriors as singers and drum songs will honor veterans; 9-9:30 a.m. — flag march in which volunteers carry a 40-by-60-foot U.S. flag from N.M. 434 and U.S. 64 to the memorial (volunteers can meet at the starting intersection at 8:45 a.m.); 9-11 a.m. — Ride to Pride, a Las Vegas, N.M.-based group, will be on site with a couple horses to talk about equine-assisted therapy programs for veterans and their families; 11 a.m. — Memorial Day ceremony.
Planning a destination wedding is one way for a couple to lessen the time it takes to plan the wedding. With destination weddings, the majority of the work is done by the staff and others at the destination. While these weddings are sometimes thought to be more expensive than a local wedding, there are some financial reasons why the destination wedding might be the best choice for your needs. As is the case with any wedding, planning ahead is the key to pulling off a successful destination wedding and getting to enjoy the accompanying honeymoon.
When you are planning a destination wedding, you need to find a wedding consultant or planner in the destination area that specializes in working with couples from out of town, especially if you are from out of that state or country. Most places require you to meet certain residency requirements. This is something an experienced wedding planner can help you with. An alternative to this is to get married on a cruise, as cruise ships usually offer weddings that don’t have residency requirements.
Financing the Event
According to Smart Money, destination weddings are often less expensive than traditional weddings. The magazine attributes this to the fact that certain colleagues, family members, and friends may feel obligated to attend a local wedding. However, a destination wedding provides an easy “out” for those people. As such, you won’t have to pay for food and other expenses for that person.
When the requirements to have a wedding at your preferred destination seem to be daunting, there is an alternative to tying the knot there. Before you leave on your trip, you can get married by a justice of the peace in your hometown. Once you are at the destination, you can still have your “show” wedding complete with the wedding party, decor and gown. Your guests will never be the wiser unless you tell them.