Mortgage vs Reverse Mortgage

Have you decided to buy a home of your own? If your answer is yes, you must be well aware of the fact that it involves a lot of money. You are taking a mortgage loan for which you have to make monthly instalments. Are you prepared for the expense? While planning to purchase a house or an apartment it is very important to find out ways and means to curtail prices.

Traditional mortgage or Reverse mortgage: which one to choose?

Whilst applying for a mortgage, you have the options to seek for either the conventional mortgage loan for home or opt for the reverse mortgage. Do you have any idea about the latter? Well, before going into any comparison between mortgage versus reverse mortgage, you need to know about the two mortgage types.

What do you know about the traditional mortgage?

A conventional mortgage is applied when you purchase a home and refinance it. Basically, you will borrow money from banks or financial institutes in order to make the purchase. In exchange of the money you borrow, you promise the lender to pay back the money you have borrowed along with the interest added within a stipulated time period.

You seek to finance for the home that you already own

A reverse mortgage involves the borrowing of cash to purchase the home that you already possess. This type of mortgage has become very popular among loan seekers. More and more people are even opting for it. The reason is that the cash that you have currently can be utilized for other expenses and you repay the loan when you die or want to sell the home.

There are no monthly installments for reverse mortgages

When you have a traditional mortgage loan for your home, you are required to pay monthly installments. On the other hand, reverse mortgages don’t demand to pay any monthly mortgage EMIs. Over the years, the loan balance will increase with the adding up of the interest and there will be a decrease if the home equity.

Higher down payments are applied to the reverse mortgage

There are several individuals who purchase a new home and make use of the reverse mortgage. When compared to the traditional mortgage, you have to pay the higher down payment for the reverse mortgage. The best part about the reverse mortgage is that there is no hassle with the mortgage payments every month. In case, you have any queries, you can get in touch with Harlands London estate agent and seek home mortgage.

Factors influencing the mortgage loans

Basically, the reverse mortgage is designed for the senior citizens or the elderly people. They usually want to get access to their home equity and the reverse mortgage allows them to do so. There are certain factors involved while seeking for a reverse mortgage. Some of them include:

  • Your age (you must be 62 years or older)
  • You must pay off all your past mortgages.
  • Your financial requirements and needs.
  • The financial goal that you aim for.
  • The duration of stay in the home.

Do you have plans to buy a home, if you have, then you will require a mortgage, right? Apart from the traditional mortgage loan, you can opt for the reverse mortgage as well. Here you will get the best comparison between both types of mortgages.


6 Tips on How to Choose a Tree Surgeon

6 Tips on How to Choose a Tree Surgeon

Choosing a tree surgeon is not that easy to do. Because the tree surgery has boomed, you could likely predict that there are more and more people who offer their tree surgery services to all potential customers in the market. Which is why, you need to take extra care in getting the best services from a secure service provider. One of the companies we recommend are, Benton Tree Surgeons in Surrey.

If you fail to choose a qualified local tree surgeon, it can lead to damage of trees, injury and damage of property when the work is not properly done. To address this issue, what then are the things to remember in choosing a local tree surgeon? To give light to this question, this article would give you the top tips on how to choose one. Read on.

  1. Get a reference

Your friends, office mates and family can give you a referral to a service provider with has already built a unique reputation for supplying top quality services. Of course, they can share to you their experiences if the job has been successfully done by their providers or not.

  1. Research and visit the tree surgeons

If you cannot get a referral then, you need to research, Google local companies using phrases such as “local tree surgeon in Upminster“. Researching is not enough because to make a claim that they can provide quality services is not enough. You need to speak to these tree surgeons about the work description. You can also ask for their work portfolio to check on the previous works they have already done in the past. Initial visits are usually free, but it’s worth checking before they turn up.

  1. They should be a member of Approved Tree & Arboricultural Trade Associations

Once a service provider is part of these associations, you can ensure that their service are guaranteed to have good quality. However, there are so many contractors who are claiming to be part of a trade association hence, you need to check the validity of such claim.

  1. Get at least 2 to 3 quotes

Settling to only one rightful candidate is not the efficient way of choosing the best surgeons. Of course, you need to consider other candidates so that you can compare the services they offer and most importantly the price of the work and the VAT. You can ask these surgeons with their price quote and compare them to pick the best one. Remember, the lowest quote may not be the best one. So, you need to examine these quotes closely.

  1. Insurance

Injuries and property damage is very inevitable when the work is being done, Hence, you need to make sure that the one you choose have both third-party liability insurance cover and professional indemnity insurance. Take note that as long as the insurance details are stated within the agreed written quotation, then you’ll be covered.

  1. Do not pay until the job is complete

This is the basic rule of a thumb. Because once you have already paid, you will not be able to take it back once the job is not done properly.



The Definitive Guide on Choosing an Electrician

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There will come a time that you will need the services of electricians to suit your needs may it be domestic, commercial or industrial needs. Yes, some electrical works could be done manually by yourself. Take note that any jobs associated with electricity could be dangerous most especially if you are inexperienced and you do not have quality training to solve the issue. Hence, for tasks beyond that, you need to call a Spicers electrician. An electrician can install and repair any kind of electrical problems such as changing the plugs of an electrical appliance from overseas, fixing a broken molding, installing transformers and additional lighting system, installing a power source and many more.

Now, how can you guarantee if your electrician is completely reliable and fit to do the job? These article would give light to the basic guidelines to follow to ensure the quality of work. Here are some points to ponder:

  • A license is a must for every electrician who offers theirs services. A license will help you ensure that the electrician has the ability to perform the job well according to the standards of the electrical safety. The service provider should have the proper training. You need to ask the potential candidate for their license or certificate. If they could not show you that, then find another one who is registered as electrical contractors. They are not allowed to operate unless they can show you their qualification proof. They need to be qualified to service complex machines like pressure washers.
  • Aside from license, you need to consider the experience of your potential service provider to guarantee you the quality of their work. Each of the electricians have their work portfolio so that you can check their previous works. If you want to be sure about getting the job done with high quality output, then you can hire a master electrician. Master electricians have a minimum of 3 years of experience.
  • Location is very important in the process of finding an electrician. The best solution to do if you need an immediate response to address your electrical issues is to hire a local electrician. This would make the work fast, convenient and would cost you less. In this manner, you will not be charged for further travel fees.
  • On the process of looking for an electrician, you need to consider the cost of the services. You should look for several electricians so that you can compare not just the quality of your work but also the service fees. Get several quotes and compare them. Three to four quotes are the best to follow. Always make sure a good communication especially when it comes to the exact materials you will need in the process. A breakdown of prices will be easier to compare the quotes from one to another. Researching online could be very helpful in checking out the service fees.
  • Ask the electrician if they can provide you with electrical compliance and electrical safety certificates after the work is done. This is a must for any electrical jobs; so if they will not give you these certificates then look for someone who can.





How to Pick the Perfect Shower Head for Your Bathroom

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Getting a bathroom installation in Essex? Why would you need to choose the perfect showerhead for your bathroom? What significance does it make to your home or your morning routine? A few things, one can say. The perfect bathroom shower head can change the way you are in the morning – from being incredibly sleepy in the morning to a refreshing self thanks to a great shower.

At the same time, it can make your wash-up during the night become an exceptionally good experience. But it all depends on your kind of showerhead – its design – the whole-deal of how it was made. If you can choose the bathroom shower head that suit your personal preferences and its functional purpose, then it can really give you the best shower experience.

What are Showerheads?

Showerheads are simple device used to adjust the water the spray produce. With the showerhead, you can make sprays from fine to coarse spray, according to your preference. At the same time, you can also adjust the water action, say, ranging from gentle to vigorous pulsation of the spray. This way, it makes your shower experience completely customized to your personal choices and issues.

It does not only help you in having the best shower experience. It can also help you deal with issues like physical pain by adjusting the water action of your showerhead. In that case, it will do you real good to choose a showerhead and other shower fixtures by assessing your preferences and needs first. Then after that, you can learn more about the different bathroom fixtures you can choose from.

Your Preferences + Shower Needs = Choose Ideal Shower Head

Showerheads are more than functional but a luxury. In choosing the perfect showerhead for your bathroom, you need to consider about different factors. These factors include the spray style, the size of the spray in your proportion to your bathroom, the kind of shower fixture best suited to your home and your budget among others.

In general, there are five main categories or kinds of showerheads. These showerhead types also come in adjustable features like the spray pattern, jet intensity, etc, which helps you in choosing just the perfect shower head for your bathroom. On that note, you have to first think of what you want and what looks best to your bathroom. Once you know, you can cross-reference it to the different showerhead types mentioned below:

  • Top-mount/Ceiling-mount – provides sprays directly over your head; most popular and ideal for bathrooms with lower ceiling.
  • Handheld – 3 to 6 feet-long gooseneck hose that is attached to the wall enabling you to take it and direct the water spray to where you want to. It’s best for families with members in varied heights as it’s adjustable for individual use.
  • Rain showers – big, flat heads which are placed directly above of the user and directs the spray straight down.
  • Body sprays – multiple spray heads incorporated to the shower wall. The showerheads can be compact nozzles, flat, etc. says

Showerheads available today almost always come in different styles and colors even bluetooth shower heads.With that, it’s easy to match them with other water fixtures or you can simply get a complete water fixture package for your bathroom.


3 Things You Need to Know About Home Removals

Home removals are very exhausting. It is one of the most hassle activity to do. So, if you are considering moving out from your home for some reasons, you should be able to plan on how to do this so that the transition of moving will run smoothly. If this a vacant property you’re clearing out, then you’re left with an empty property that is very vulnerable to vandalism. The best ways to secure empty property is by contacting Global Guardians, far more affordable than any other alternative. Listed below are the most important things that you should pay attention to so that you can complete your home removals fast and easy.

  1. Packing

This is the process where you sort out your possessions. This is the most exhausting part of moving out. This process involves packing the things that you need to take to your new home. Follow this useful tips to make this task easier:

  • Sort the things which are important to you from the rubbish things that you do not need anymore. If you have stuffs that are still useful but you could not afford to throw away, then you might try to consider giving it away to your friends or charity.
  • Get boxes ahead of time. You may buy them from different stores. Large boxes is better so you could place more stuffs inside.
  • For the things that would break, you should remember buying yourself newspapers or if you have bubble wraps, then it might help. Wrap it around the things that break to prevent it from breaking when it is transported.
  • Classify the things per box. Example, reserve boxes for books alone, plates, dress etc. and label them accordingly. It would be easier for you to arrange these things to your new home if they are sorted and labeled appropriately.
  1. DIY Removals

Do-it-yourself removal is quite exhausting but if you so not want any professional help when you move out, then this is a good option. The key things are perseverance, patience and organization. If you have these, then everything will work fine. To do this, you need to start finding the right van to transport your belongings. Small vans could make you go back and forth several times to transport your stuffs but too big vans could have a problem with regards to parking. As a good tip for finding a cost-effective van, you need to book a van on weekdays because the rates on weekends is quite high.

3.           Professional Removal Companies

If you want a hassle-free moving out, then you certainly need the help of the experts. To date, there are so many companies who offer professional services including Neales Removals to help you in your transition. However, if you are moving house you might need an end of tenancy cleaner in london. This option could reduce your stress and exhaustion. Moving out needs strength and hard work. So, if you just want to sit back and relax, then let these professional companies do the job for you.

To start this procedure, be sure to find a preferred removal company at least 2-3 weeks before the move. You should check whether the company is a member of British Association of Removers. This will give you security of you your belongings.  Furthermore, try to check on the rates of each removal company and compare the prices. Some offer discounts especially on a weekday. Lastly, try to make a checklist of the possessions you have to move so that you are assured that nothing is left behind.


Top Tips to Choosing your Portable Air Conditioner this Summer

It is very hot during summer. That is why may are choosing an excellent commodity just to beat the heat brought by the burning sun. In this case, many choose to have a good air conditioning at home. This is absolutely a great choice but it will be soon be in a short supply and more expensive comfort. You can save money if you will buy it during the off-season where the manufacturers are having an offered rebate. Before you purchase it, you must consider a lot of important things.

The Air Conditioner Types

  • Window units

This is the most popular air conditioner unit for DIYers. This is the unit that is known to be the easiest to remove and install. This fits on the window opening and vents outside.

  • Through-the-wall units

This unit is heavier and larger compared to the window unit. Rather than sitting in the window, this through-the-wall unit is resting within in a weight supporting air that is set into an exterior wall. In the older homes, the electric features must be reviewed and checked because this unit requires a greater voltage and amperage.

This unit is versatile in design that is ideal for any windowless spaces – it exhaust in temporary ducting. This can also be moved from one room to another.

  • Whole home units or central units

This unit can cool the whole home at once. This is combined with heating for a complete HVAC functioning system. This one requires a professional and expert installation. Plus, this option is the most expensive type of air conditioning.

Cooling Capacity of Air Conditioner

The capacity of the air conditioning is measured in BTU units. The small window air conditioner delivers an approximate amount of 3,000 BTUs. On the other hand, the through-the-wall unit exceeds up to 20,000 BTUs. It is important to consider the size of the room so that you can identify what type of air conditioning unit is necessary for you but you should also consider also the following:

  • Exposure of the room
  • The count of the room windows
  • Insulation quality in the room
  • Other appliances that are used
  • Head count of the person present in the room

If it is hard for you to identify which air conditioning unit is best suit for you and to the situation and condition of the room that you have, try to utilize a handy BTU calculator. The calculator will help so that you can figure out how many BTUs of the air conditioner is needed to cool your space.

Energy Efficiency

The energy efficiency is measured through EER or Energy Efficiency Ratio rating. It is the ratio brought by the cooling capacity of BTUs every hour to power input on watts (the higher the amount of EER rating, the efficient the air conditioner will be). The air conditioning units are the most expensive appliances that runs. A good option for an air conditioning unit is necessary. In deciding which one is better for you, identify first the unit that has an adequate cooling in the space. Then, purchase the one that has a low BTU capacity but with high EER rating.



Can’t Sleep? Common Sleep Disorders

Do you have trouble going to sleep or staying asleep? Do you wake up tired or felling depressed? Are you irritable during the day? Have you been told that you exhibit strange behavior while asleep? If so, you may have a sleep disorder. On a side note, if your sleeping issues are arising because of loud noises, consider better sound insulating windows from SM Sashes. Nothing but top quality products.

When someone thinks of sleep disorders, frequently words like insomnia or stress come to mind. However, sleep disorders span the entire spectrum from underlying health issues to night terrors to sleepwalking. Many studies are ongoing in this field and finding fascinating facts along the way. Many symptoms that have been overlooked or dismissed are now being seriously scrutinized.

Insomnia is the most common sleep disorder. Older adults and women are most effected by insomnia. The National Sleep Foundation estimates that over 40 million people suffer from insomnia annually. There are two types of insomnia: acute and chronic. Acute insomnia occurs less frequently and usually during a stressful time. Chronic insomnia occurs at least 3 times a week for over a 3 month period. Common signs and symptoms of insomnia include:

  • Difficulty falling asleep at night and excessive sleepiness during the day
  • Waking up frequently during the night or difficulty getting back to sleep
  • Sleepiness and low energy during the day
  • Having to take a sleep aid each night
  • Feeling as if you haven’t sleep or have had fragmented sleep
  • Difficulty performing normal tasks and trouble remembering

If you are experiencing these symptoms, you will want to consult a medical professional to discuss the treatment options.

Sleep Apnea is also a common sleep disorder. It effects over 20 million people even though many who have it do not realize it. It is pauses in breathing while you sleep, where your breathing temporarily stops due to the blockage of the upper airways. According to the American Academy of Sleep Medicine, “the respiratory effort required during sleep to continue breathing and functioning puts a strain on the heart and can lead to all kinds of cardiological problems down the road including heart attack, heart failure, heart arrhythmia, and more.” This can result in potentially life threating complications.Symptoms of sleep apnea include:

  • Loud, chronic snoring, often waking the pesron
  • Frequent pauses, gasping or choking during sleep
  • Feeling exhausted after waking
  • Being sleepy during the day, even after “sleeping” all night
  • Waking up chest pains, headaches, a dry throat, nasal congestion

If you are experiencing any of these, you may need to see a medical professional and perhaps have a sleep study.

Restless Leg Syndrome is a neurological disorder that can cause a sensation of creeping, aching, and throbbing in kegs particularly at night or at rest. RLS is classified as a sleep disorder because of the impact on a person by constantly waking a person or not allowing a person to fall asleep completely. Symptoms of RLS include:

  • Uncomfortable sensations in the legs
  • A strong urge to move your legs
  • Cramping or jerking of the legs during sleep
  • You feel the need move, stretch, or massage your legs

Although there is no cure for RLS, often an underlying health issue is to blame. Finding and treating this issue may lead to a restful night’s sleep.

If you are having any of these symptoms or daily struggles, talk to your doctor to see what options are available for you to get an all important good night’s sleep.


Best Fillet Knife Reviews

fillet knife blog coverIf you enjoy cooking and you enjoy fish, then it’s important that you have the best equipment to do so. Without the right kind of filleting knife, you could wind up with a messy project or an unappealing looking meal. There are many different kind of fillet knives out there, but only the best will get the job done and finding the right one can be difficult. We’ve come up with some of the best fillet knife choices and why you should go with them. Keep in mind that some of the higher end fillet knives will always cost more and they’re definitely well worth the price.

When you purchase a fillet knife it needs to not only be sharp so that it can easily cut through the fish, but flexible to make it easier to navigate around the bones inside of the fish. Having a no slip handle is also a must have, as cleaning fish is quite a dirty task and you don’t want to attempt filleting with something you can’t get a good grip on. Make sure the fixed blade has a decent length on it as that also makes a big difference when it comes to filleting the fish.

The prices on the best fillet knife will vary depending on the type and what sort of brand you purchase. The lower end knives will cost around twenty dollars, possibly a bit less. The higher end knives will cost around a hundred dollars, and in some cases a bit more however, these electric knives are beyond worth it. The Rapala Fish’n fillet knife is a favorite among fillet knives because it has a nice wooden handle which is a bit different from the usual type of fillet knife many use. With a seven-inch blade it even comes with a knife sharpener. While you don’t typically need to sharpen a fillet knife very often, it does come in handy for when the knife does start to wear done.

The American Angler Pro Knife with Glove is another great choice to go with. Price is about a hundred dollars and available in places like Amazon so if you want to order online, then I’d hurry to get this steal. This knife comes with twice the torque than most electric blades and five assorted blades you can change out depending on what you’re looking to use. Best of all, this great package includes all the safety equipment you could possibly need to clean a fish and fillet it without getting hurt. The final fillet knifes we’re recommending is the Rada Cutlery R200 Fillet Knife. This knife is extremely impressive with a blade made of seven inches of surgical steel. Extremely sharp and durable, fresh out of the box you can expect to fillet a fish in a single cut with this knife and even comes with a leather storage container to keep it in good condition. The only down side we’ve seen with this specific one is that it doesn’t hold up against prolonged cleaning.


Different Types of Roofing

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Roofing is one of the biggest investments you can do on your properties, let it be your own home or a commercial building. In fact, it’s a like shield against the environment and a wrong choice may carry a lot of different problems. For example, a bad quality metal roofing is exposed to corrosion, and we all know how damaging and terrible can be this issue. The same with rubber roofing, if you choose one of poor quality, it won’t last very long with a tad of luck it will last a couple of years.

Also, depending on your situation you will need a specific kind of roof. For example, if you want something durable and designed for rainy environments, then rubber roofing stands as a very attractive option. On the other side, if you want something that’s proven to last for a lot of years (more than 70 years), then you may want to prefer a metal roofing. Keep in mind that there are different kinds of metal roofing, being one of the most popular ones corrugated metal roofing.

Now let’s talk more about metal roofing and rubber roofing.

Metal Roofing
Metal roofing is a perfect match with people who enjoy DIY projects. Because you have so many different styles that’s impossible not to find a combination that doesn’t meet the style of your home. With the purpose of making this article straight to the point, let’s look into the benefits of metal roofing.

1. The first vote in favor of metal roofing is how durable it is. If you opt for this kind of roofing, then you can expect it to last no less than 50 years, and up to 70-90 years depending on the quality and materials used in fabrication.
2. Excellent resistance against fire.
3. If you want to save on AC then metal roofing will be of great help, because this type of roof will make your house a lot cooler.
4. Perfect for structure integrity due to its light-weight. Also this feature puts metal roofing as one of the best options when it comes to preserving life.

As you can see metal roofing is a very good choice, it has a lot of benefits and it’s not so expensive. Now let’s look into rubber roofing.

Rubber Roofing
Rubbers roofs are very popular as well. On this section we will analyze all the benefits it has to offer to you.

1. If you want to be eco-friendly, then rubber roofing is the way to go. These roofs are made of recycled materials, so if you want to make your house as green as possible, then this roofing stands out as the best option in the market.
2. It’s a great way to keep your house cool. Just like metal roofing it reflects heat, such a great advantage!
3. Repairs are very cheap. In comparison to other kind of roofs, rubber roof are very affordable to repair.
4. Perfect for flat roofs.

Final Words
Here you have in front of you two of the best options when it comes to roofing your home. Evaluate each one and see which fits your situation better.