Access Loan | FCA

Almost all firms and individuals offering, promoting or selling financial services or products in the UK have to be authorised by us.

However, some firms act without our authorisation and some knowingly run investment scams. 

This firm is not authorised by us and is targeting people in the UK. Based upon information we hold, we believe it is carrying on regulated activities which require authorisation.

Access Loan

Address: 145-147 St John Street, 26-32 Oxford Road, Bournemouth, BH8 8EZ, 151 West George Street, Glasgow, G2 2JJ, 1206 Tollcross Road, Glasgow, Stratchclyde, G32 8HH

Telephone: 0330 223 4251, 0141 628 5550, 0330-223-4254, 03302200148, 0330 223 4693, 0330 223 4687, 0330 223 4694, 0141 628 5550, 0330 220 0148, 0330-220-0156

Email: [email protected], [email protected], [email protected], [email protected][email protected]

Website: http://www.accessloan.co.uk, www.aoneloans.com 

How to protect yourself

We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are. It has information on firms and individuals that are, or have been, regulated by us.

If you want to check a consumer credit firm that may not yet have been authorised by us, please also check the Interim Permission Register.

If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.

There are more steps you should take to avoid scams and unauthorised firms.

You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.

Report an unauthorised firm

If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768. If you were offered, bought or sold shares, you can use our reporting form.

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Temporary prohibition in short selling: Banca Carige

The Financial Conduct Authority (FCA) notifies that it temporarily prohibits short selling in the following instruments under Articles 23 (1) and 26 (4) of Regulation (EU) No 236/2012 of the European Parliament and of the Council of 14 March 2012. This follows a decision made by another EU Competent Authority.

Details of the Financial Instruments concerned: Banca Carige (ISIN: IT0005108763).

This measure is effective from 0:00 AM on 14 November 2018 until 11:59 PM on 14 November 2018.                                                            

For further information please see our RNS.

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C. Letlid Loan and Finance Ltd

Almost all firms and individuals offering, promoting or selling financial services or products in the UK have to be authorised by us.

However, some firms act without our authorisation and some knowingly run investment scams. 

This firm is not authorised by us and is targeting people in the UK. Based upon information we hold, we believe it is carrying on regulated activities which require authorisation.

C. Letlid Loan and Finance Ltd

Address: Bankside 300, Peachman Way, Broadland Business Park, Norwich, Norfolk, NR7 0LB

Telephone: 07537181823, 07031924407

Email: [email protected]

Please note: This scam firm is cloning the details of a UK registered firm (Companies House number: 01346407). The scam is in no way affiliated with the registered firm on Companies House.

How to protect yourself

We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are. It has information on firms and individuals that are, or have been, regulated by us.

If you want to check a consumer credit firm that may not yet have been authorised by us, please also check the Interim Permission Register.

If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.

There are more steps you should take to avoid scams and unauthorised firms.

You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.

Report an unauthorised firm

If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768. If you were offered, bought or sold shares, you can use our reporting form.

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Harper Wealth Management | FCA

Almost all firms and individuals offering, promoting or selling financial services or products in the UK have to be authorised by us.

However, some firms act without our authorisation and some knowingly run investment scams. 

This firm is not authorised by us and is targeting people in the UK. Based upon information we hold, we believe it is carrying on regulated activities which require authorisation.

Harper Wealth Management

Address: 80 – 83 Long Lane, London, EC1A 9ET

Telephone: 0207 099 1224

Email: [email protected]

Website: https://harperwealthmanagement.com/

How to protect yourself

We strongly advise you to only deal with financial firms that are authorised by us, and check the Financial Services Register to ensure they are. It has information on firms and individuals that are, or have been, regulated by us.

If you want to check a consumer credit firm that may not yet have been authorised by us, please also check the Interim Permission Register.

If a firm does not appear on the Register but claims it does, contact our Consumer Helpline on 0800 111 6768.

There are more steps you should take to avoid scams and unauthorised firms.

You should also be aware that if you give money to an unauthorised firm, you will not be covered by the Financial Ombudsman Service or Financial Services Compensation Scheme (FSCS) if things go wrong.

Report an unauthorised firm

If you think you have been approached by an unauthorised firm or contacted about a scam, you should contact our Consumer Helpline on 0800 111 6768. If you were offered, bought or sold shares, you can use our reporting form.

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Comments: Bookkeeping Vs Accounting: What's the Difference?



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How To Get Rid of Your Vaginal Discharge



Vaginal discharge is probably one of the most common signs of a yeast infection. Of course not everyone suffering from a yeast infection has vaginal discharge but the possibilities you experienced them are quite good.

Vaginal discharge can have different aspects. They can range from foul smelling to odorless and barely noticeable. Fortunately there are various ways to deal with vaginal discharge. One of them would be homeopathic remedies.

First you might want to know what the discharge will be like before taking any medicine. They can be like:

– Foul smelling

– Odorless

– Thick white cottage cheese-like texture

– Thin consistency

– Milky egg white consistency

Sometimes you can women can also experience a yellowish vaginal discharge that is firm and that is acrid or pungent.

Of course these symptoms have an impact on every affected women day-to day lives. It is not uncommon for these symptoms to have an emotional impact. Vaginal discharge often leads to vaginal burning, itching and irritation. This is why homeopathy focuses of curing the vaginal discharge symptoms along with the emotional impact it can have on women.

If you are not comfortable with homeopathy to cure your vaginal yeast infection and vaginal discharge problems there are other treatments you can consider.

One of the things you might consider to help you get rid of your vaginal discharge is to change your diet. Changing your diet to reflect the fact that you suffer from a yeast infection can help you getting rid of it.

You may not know but there is some food that will help you get rid of a yeast infection while other might just encourages it. You should stay away from yeast containing foods such as:

– breads

– fermented food products and alcohols

– food rich in sugar and carbohydrates

– refined foods

– red meat

– mushrooms

Staying away from this kind of food should help you a long way getting rid of your vaginal discharge problems.

You should consider eating things like:

– brown rice

– millet

– citrus fruits like grapefruits and oranges

– lemons and limes

– unsweetened yogurt

– curd

– cranberries

– garlic

– onions

– vinegar

– cinnamon

– oregano

– vegetables

Also one of the most important elements that people often forget to include in their diet is water.

Drinking at least eight glass of water everyday will help you clean your system by clearing away unwanted toxin from your body. On top of that it will give you a refreshing feeling just when you need it the most.

One other important factor that can be responsible for your vaginal discharge and yeast infection problem is stress. Trying to eliminate stress and adopting a healthier lifestyle can help put your yeast infection and vaginal discharge problems in the past.

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Source by Frederic Madore

How to Cut 3 Pounds in an Hour Before a Wrestling Match



Amateur wrestling, high school and college, besides being an extremely physical strength and skill dependent sport, is a game of weight. To posses the strength of a 160 pound person, but physically confront, by wrestling, a person with the strength of a 145 pound person, by dropping weight in order to equal your opponent, is normal practice. There’s nothing illegal about it, we’re not talking steroids or some physical enhancing drug. We’re talking controlling your body to reach goals your mind has set.

Besides, there is a science to dropping weight. Do it incorrectly or too quickly and you will not only lose your advantage, you’ll give your opponent a huge advantage by dehydrating and losing strength. You’ll enter the match tired and sluggish, the exact opposite effect you were striving for.

Let’s get one thing straight before we begin, you can not lose 3 lbs of body fat in 1 hour, not unless you cut an appendage off and that’s not an option. However, you can lose 3 lbs of overall body weight by losing water weight. Remember Biology 101, the body could be consisted of 75% water, depending on the person’s physical make up. The fatter the person the greater the difference in water weight than a muscular person, for example.

So what we really are attempting to do is rid the body of water (fluid), which will translate into less body weight. So how do we safely do this?

The first matter we must address is our diet, and I’m not talking just eating healthy, I’m talking eating sodium free. Salt, is the number one reason a healthy person retains water. There are other health reasons which cause the retention of water, but those do not apply in our case.

Therefore, if we eliminate as much salt from the body as possible, the body’s resistance to losing fluid decreases making it easier to pass water weight through perspiration.

Perspiration if you recall, is the body’s natural function to cool itself when temperatures rise above normal. Therefore, we must create heat to raise the body’s temperature and force it to cool itself by perspiring.

There are probably many different methods, some complex such as water pills which causes a person to continually urinate, to rid the body of fluid, but we’ll use an old tried and true method. Sweating.

Dress yourself in warm clothing such as sweat shirts and sweat pants. You notice I use the plural form of shirts and pants because you will put on layers of these clothes, at least two layers and three if possible.

Be sure to wear a hat of some sort, preferably a winter sock hat, as the body gets rid of a tremendous amount of heat through the head. We don’t want that to occur in this situation. We want to retain as much internal heat as possible.

Exercise vigorously for at least 10 minutes. This can be jogging, either in place or around the gym, jumping jacks, what ever you find comfortable, but which will work up a good sweat.

After creating a good sweat, lay down and have someone wrap you in a blanket or wrestling mat. This will cause the body temperature to remain high after exercising, which will continue to extract fluid through perspiration.

After 20 minutes, unclothe and weigh in. You most likely have lost more than three pounds, but if not, you still have time to redress, with dry clothes, and repeat the procedure.

As with any drastic or sudden body change, there are dangers associated with this procedure. Never perform this procedure alone. Always have a coach or an wrestler with quick access to the coach, with you at all times. After making weight, re-hydrate with drinks such as Gatorade which are high in electrolytes.

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Source by Jim Bain

How to Fix the Rabbit Corkscrew by Yourself



Those that have a rabbit corkscrew in their homes, will see that in time, it starts acting strangely and instead of rotating the cork upwards it will do the opposite. This basically means that the cork will not pop out anymore, and instead it will be pushed in or broken inside the bottle. If you have noticed this situation, then you have to know how to fix the rabbit corkscrew, and the next steps will help you with this.

Step 1: You have to see how the rabbit corkscrew works when placed on top of the wine bottle. Its two side pins will clamp on the sides of the bottle, and then have to be in the right position, below the handles, so that the screw will not be allowed to rotate in the wrong direction.

Step 2: Once the two pins have been identified, you should focus on the movement of the corkscrew’s handles. When you push them, they should securely place the pins on each side on the bottle. If they aren’t, then the inside bushing that helps them to do that might be deteriorated. This bushing is a small plastic circle that is placed on the inside.

Step 3: The bushing of the rabbit corkscrew should be covered, depending on the model, beneath the pins. You have to take the covers off and then evaluate the state in which the bushings are. In most cases, they travel to the outside of their enclosing area, which makes it difficult for the screw to pull the cork out.

Step 4: If this is the case, and the bushings are placed upper, then all you need to do is to push them back into their original position and the rabbit corkscrew should be fixed. To do this, use any type of tool that comes in handy, which can fit into the housing and can be used to push the bushings backwards. Once you manage to do this, using even a regular kitchen knife, the corkscrew is ready for normal usage again.

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Source by Stewie Anderson

How a Foreign National Can Buy Real Estate in America



Opportunities for real estate investment for foreigners is wide and varied in the United States. It does not matter where you're from and what currency you'd be using to purchase a property, you have a property waiting for you.

There are generally three kinds of real estate investment available to foreigners. These investments include the commercial estate investment and residential property investment. Residential properties are further classified into single family properties, apartments or condominiums and recreational properties. Regardless of what kind of real estate you are interested in, there are all sorts of tax ramifications, financing options and legal requirements that you have to deal with.

Why Should You Invest in the US Real Estate Market?

You've probably heard of the increasing number of foreign real estate investments in the United States. This is not surprising. With the troubles that the real estate investment market is facing in the United States, greater opportunities in real estate investment were opened to foreign investors.

With the dollar's value in its all time low, foreign investors are finding real estate bargains all over the United States. There are no shortages of deals in this market. More and more troubled properties are being sold everywhere and foreigners are pouring in millions buying these foreclosed or troubled properties. The United States real estate has become a fairly attractive long-term investment for foreign investors.

In November of 2006, the National Association of Realtors released a report entitled "Foreign Investments in US Real Estate: Current Trends and Historical Perspective". The report showed that there has been a steady increase in foreign real estate investment in the United States. This is especially after the euro and the loonie became stronger in the face of the continuous devaluation of the US dollar. Prime bargains were opened to foreigners. Many foreigners have now looked into the possibility of retiring or settling in the United States.

If you're a foreigner, you would find a lot of reasons why you should invest in the United States real estate market. Aside from the fact that the floating exchange rate has given you a lot of leverage over the negotiating table, the financial market is a pretty good reason why you should invest in the US real estate.

The financial market in the United States in relation to the real estate market is quite liberal and the restrictions against foreign investors are pretty reasonable. This is ideal for foreign companies that are seeking to invest in the real estate market in the United States in order to avoid tariff restrictions and are considering setting up an office or a company in the United States.

Furthermore, contemplate the devaluation of the US dollar and the wide foreclosures of a lot of property, the real estate market remains to be stable, although slightly shaky, due to foreign investors' capital appreciation. Domestic real estate buyers may not necessarily share the same opinion, but the market has remained to be strong for foreign real estate buyers. This may be seriously credited to the fact that there is minimal risk for them.

Why are Foreign Real Estate Investments Safe and Profitable?

There are a lot of investments you can make, but the safest you can make right now is investing your money in real properties. This is another good reason away from the fact that you can make a pretty nifty profit, if you like, particularly now with the vast property foreclosures and seemingly continuing US dollar devaluation. This is especially true if you are going to use the euro or the loonie when making your investment.

But why is US real estate investment safe for foreigners?

It is undeniable that stock investments are not a safe avenue at this point. The recession has not only affected the US economy; the same recession has greatly affected worldwide stock investments. Stocks values ​​are dropping. It is also a fact that even without the current economic situation, stock values ​​fluctuates.

On the other hand, real estate investments are pretty stable if you would compare it to stock investments – or even bond or mutual fund investments. With real estate investment, you'll be putting your money in an investment that would grow in value as years go by.

What are the benefits of Foreign Real Estate Investment?

US state government subsidies foreign investments and along this line has formulated various tax breaks to encourage foreign investment on real estate. Many of these tax breaks are not available in many countries. In fact, most countries would frown at foreigners owning real properties within their territory.

Foreign real estate investment in the United States is open to everyone. As long as you can afford to buy the property or at least comply with the mortgage requirements and payments, you can secure for yourself a pretty good property in the United States. Again, with the current economic situation of the United States, this is the perfect chance for you to make an investment.

Another great benefit that you can take advantage of is the availability of mortgage financing. Lenders have opened their doors to foreign investors who are looking into purchasing a property. So, you do not have to actually deplete your bank account. You can actually secure a mortgage loan and gradually pay it off.

I'm Canadian, What Are My Financing Options?

There is a steady increasing rate of Canadian real estate investors in the United States; and accordingly, the government has made certain that they have attractive financing options available to them.

If you're Canadian – or if you're a foreigner – you've found a lot of reasons why you should buy a piece of real property in the United States. For Canadians, the parity of the treaties or the apportion depreciation of the US dollar is a pretty good reason itself. But how do you finance your purchase?

There are various financing options available to you depending on which state you are in. In Arizona, for instance, you're getting favorable financing terms if you are purchasing a property for recreational purposes, that is, you do not derive any income or benefit from your purchase or ownership. You will be required, however, to sign up a disclosure agreement and give a 30% down payment for your loan. To qualify though for a loan, you may be required to show availability of liquid reserves for a period of three to six months. You may also be required to present a minimum of 3-month bank statement.

If you are purchasing a property for investment, you're probably meeting stricter terms. Requirements may be more stringent. For instance, you could be required to give a down payment of more than 30% and you may be required to show one year worth of liquidity reserves.

Regardless of your reasons, if you feel like you can fulfill the requirements of a financing loan, you can then proceed to actually applying for a mortgage loan. Also, keeping yourself updated with the financing terms flux may be a wise idea.

Understanding the Tax Ramifications of Real Estate Investment

The first foreigner to have ever bought a real estate property in the United States was Peter Minuit. This opened the doors to foreign real estate investors. After a couple of centuries later, foreign real estate investment has grown into huge proportions, accounting for billion-of-dollar worth of industry.

The low risk attached to the US real estate market, the availability of countless properties, and the steady market liquidity attract foreign investors in droves. The initial snag, however, is the process of understanding the legal ramifications of foreign real estate investment.

What you have to understand is that foreign investment in the United States can take a lot of forms. A foreigner has various options. He can acquire direct interest. He can acquire an interest in the real estate through a partnership, a corporation, or a limited liability company. The latter is the typical structure used by foreign investors.

Limited partnership or Limited Liability Company offers financial protection or indirect asset protection, especially in cases of bankruptcy, law suits and taxes. Foreign investors are generally taxed on the property as if they hold the property in direct interest.

Ideally, you should secure the services of a real estate accountant to help you out with the tax ramifications, but it would help if you, at least, know the basics before you actually talk to an accountant.

There are tax consequences that you have to deal with when you buy a real estate in the United States. You would need an Individual Taxpayer Identification Number which you will use with all your tax transactions. Your investment in real estates can be invested as a portfolio investment and will be accounted for as an investment income which can either be fixed or a periodic income. This is typically taxed at 30% on gross revenues. This tax though does not apply though to all foreign investors. Tax rates would vary depending on the tax personality the foreign investor opted for. For instance, a corporation would be taxed differently.

Other things that you should take note of are availability and requirements of tax reimburss and state tax laws on real estate properties as they may differ from federal laws, among other things.

By knowing all these things, you may save yourself from a lot of hassles when you finally approach a real estate accountant. You'll be in same wavelength when you finally get down to talking business. It is, however, very important that you secure the services of an accountant. You've got an easier time dealing with the taxes ramifications. You'll also have assistance ensuring that you comply with all the accounting aspect of your investment. This is especially true if you are purchasing a real property for investment purposes.

Do You Need to Secure the Service of a Real Estate Lawyer?

If you are considering buying a property in the United States, you need to secure the services of a real estate attorney – someone who could help you with the legal issues relating your purchase. It is tempting to forego securing the service of a lawyer to save money, but this could cost you a lot of money in the long run. Make sure that you have an experienced and trustworthy lawyer to help you out. Make sure that you have thoroughly checked out his credentials, profile, history of successful cases handled by him, and other factors that would influence your decision. You could check online and look for a lawyer working within the state where you are considering purchasing a property.

Functions of a Real Estate Lawyer

There is no actual distinct function for a lawyer in a real estate case. However, you would really need the assistance of a lawyer for various tasks. A real estate lawyer would review the sales contract for you. He would also check on the title and other documents relating to the property. A lawyer would also review your mortgage contract and make the necessary adjustments or corrections. You could also get him to review with you the legal and tax issues relating to purchase. A real estate attorney could also make the necessary adjustments relating to various expenses and costs involved in the purchase. He would assess your eligibility for tax refunds and draft the documents and statements relating to this.

Putting it simply, a real estate lawyer will be your watchdog. He would guide you through the whole process of purchasing a real estate in the United States in order to make sure that you will be legally protected. You will have a capable and trustworthy relationship to help you out with the contract. He will also face legal disputes if any arise.

Tips on How to Invest in Real Estate Successfully

Now, if you've fully bought into the idea of ​​real estate investing in the United States, you might just want to know how to go about investing in real estate successfully. If you want to be successful in this venture, the first thing that you have to avoid is overanalyzing. Of course, it is a good idea to carefully think through your actions but it is a bad idea to overanalyze your investment to nonexistence. You might lose a great opportunity.

Before you purchase the property though, it might be wise to check the property value. If it fits well with you and you can reasonably afford the property, go ahead and make the purchase.

If you are considering the property for a quick flip, make sure that the property is in perfect condition and in good area. This is to ensure that you could double or actually triple your return of investment. If you can inspect the property yourself, do so. If not, a good and trustworthy agent can help you with this task.

Another important thing to remember when you're buying real estate is good financing. You should take your time to carefully consider all your financing options. Foreign investors can email in their questions to various lending institutions. It is a good idea to make sure that you've had their terms and rates on paper because they tend to change these terms and charge you with a lot of junk. Your real estate agent can help you with reviewing the escrow charges.

The bottom line, however, is that it is very important that you do your homework before you actually buy a real property. Investing in real properties in the United States can be profitable especially during these times. In fact, it may be the wisest and most perfect investment you can make right now.

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Source by Maria Gudelis

The Dos and Don’ts of Upgrades



When it comes to optioning the house, the primary question an investor should be asking themselves upon an acquisition is whether or not the option selected will contribute to the sell-ability of the house, relative to the actual cost. Obviously, there’s a point of diminishing return if one builds a Taj Mahal in a land of tract homes. Despite the urge to go all out and deck the place to the tee, please resist the temptation. Doing so will only cut down on your return. This is particularly important given the fact that since it is an investment, an investment with an unknown value, it isn’t prudent to put some of the potential gain at risk by purchasing unnecessary design upgrades that aren’t critical.

More often than not, homebuilders are aware of this vulnerability. This is more then ever true for investors, for whom they will provide a glut of options and upgrades that are grossly marked up. This type of financial exploitation provides an income stream that is indispensable to many homebuilders, such as KB Home, who are notorious for their exuberant cost upgrades and options. This system is so elaborate that their design department is a whole corporation of its own-which is known as KB Home Studio and rivals that of most high-end design centers. Not only are these stand-alone profit centers, KB Home has a separate business unit with senior vice presidents, AVPs, regional heads, etc., to take care of this organizational monster. The great thing about this apparatus is that it offers a plethora of design upgrades and options that are really top-shelf. The only problem is that you usually have to pay an arm and a leg to get these wonderful amenities.

To relate a story, the first time I went through a KB Home Studio, it was baptism by fire. I spent over eight hours in the design center, split over two days. At $35,000 plus in upgrades, I estimated that it cost me about $4,300 an hour to shop in their design center. You can see why I was happy to get out of there. Keep in mind also, that you may be required to pay a fraction of the upgrade costs in the form of a deposit soon after selection. This is almost a certainty and industry standard. On average, the deposit amount runs 25 percent to 50 percent and are usually nonrefundable. The consequence of this deposit requirement is apparent, in that it makes it more difficult, especially as an investor, to walk away from a transaction.

In spite of the latter, you can see on a pure convenience factor, it’s hard not to like that a homebuilder can offer you lots of options. Having the “convenience factor” available is all good and well; however, it becomes somewhat of an entrapment issue when the builder offers a plain vanilla box without any or few upgrades. In these cases, sometimes builders will only go to “code”-meaning, only providing what is necessary to have the local housing department or building and safety, at the city or the county level sign off on the property and give it a certificate of occupancy. This for instance, may mean no rain gutters, no landscaping in the front or back, unfinished garages, which typically consist of drywall with a coat of primer, or an unfinished garage consisting of the latter but with exposed 2×4 studs, sheetrock, chicken wire and black installation coversheet. Other more obvious “standards” include all vinyl flooring and small 4×4 white tile for the kitchen countertops, or cheap laminate for that matter. To top it all off, in terms of complete ugly-fication, you might get the builders’ special quarter-inch clustered marble countertops in the bathroom.

There’s a reason why even home design centers at Home Depot or Lowe’s highlight these amenities, and that’s because they’re cheap and nobody really wants them. Consequently, many homebuilders offer the standards in order to eek out as much money as possible out of each home they build. As a result, a new homeowner and/or investor is essentially forced into buying options and various upgrades in order to avoid the home looking like a plain Jane. Having too much of a plain Jane can actually hurt a home’s value. As an investor, it’s up to you to define the balance without overspending on a new tract flip. That’s the nature of making a business decision: you have to use your judgment. I’ve seen some homes that were literally destroyed from the inside out given the extreme lack of appeal that permeated the house as a result of no upgrades. As an example, spending an additional $4,000 to $6,000 on upgraded floorways and kitchen countertops is probably well advised. Most carpeting, even if it doesn’t have stain guard, should be adequate for most homes. Don’t be pressured into upgrading into a thicker padding for the carpet. Just go with the standard one-quarter inch, since most builders will try to get an extra $700 to $1,200, if not more, added to the cost of the house just for upgraded padding.

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Source by D Sidney Potter