Investing in an Apartment Building

One of the most important decisions we will all make is to choose where to live. While some people would rather own their own property, others prefer to rent. However, there are also people who both rent and own their properties at the same time. They live in the apartment building they manage and rent out the rest of the apartments. Finding the best place to live in is a serious task which requires proper research and background information.

What is the latest in hip are renovated farmhouses which have been separated into many apartments. This way the residence might look like a big old house from the outside as it has one main entrance but from the inside you can see that the house is split into separate apartments. From my point of view investing in buying a renovated house is a great business decision. Usually the mortgage is cheap so consider taking one in order to realize this great business plan. Not only will you be able to pay back the mortgage but you will also make a profit from the income you will receive monthly from the renters.

A more traditional apartment building is a large square one with long hallways on each floor and many identical apartments. Some people consider living in such a building an adventure but a risky one. The traditional apartment building has three stories and from fifteen to thirty apartments. Of course, living on any level has its own pros and cons. In case you live in a lower level apartment you will hear your upstairs neighbor's footsteps. If your neighbors have above kids then it could get quite noisy. Thus, it might be better to live in the upper level of a building, though you will have to climb stairs or take an elevator to get to your home. The worst case scenario is to live in a middle apartment in a large apartment building as not only will you have noise from above and below but you will also have to climb the stairs or use lift, as well.

You should not get confused or worried when it comes to choosing the right place to live. You can find the right apartment building which will be comfortable and inexpensive if you do a meticulous research and get some background information.

No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

Oh to Own a Designer Dress!

How many women can honestly say, without crossing fingers behind backs, that they have not gone weak-kneed at the sight of that oh so alluring designer dress, which sparkles so suggestively in the shop window? It can be safely assumed, judging by the popularity of such dresses, that those who answer 'no' are in the minority.

Seemingly innocent at first glance, the power a beautifully designed garment can hold over a person, is astonishing. Just go to any designer shop and you will hear the agonised mutterings of 'Oh, I really should not … No, I'm not going to buy it … Well, there's no harm in just trying it on .. Oh God, I love it … No, I can not buy it … Ok, just this once … '

The heart usually prevails and the person in question returns home with the contented feeling they have just bought something special; something that not everyone else has. This is the lure of the designer.

Although clothing's fundamental purpose is to protect the body from nature's elements, its role has radically altered over time. Historians believe the first clothes consist of materials like fur, leather and leaves, which were wrapped around a person's body, thus sheltering them from the weather. In today's society however, clothes are viewed more as a statement about an individual, rather than being necessary for their survival.

Advances in technology, such as central heating, helped to bring about this change, but it is understood that Charles Frederick Worth, born in England in 1825, shaped the world of clothing, and in particular, women's dressmaking; thus giving birth to the term 'fashion' in the way we understand it today.

After moving to France to work for Parisian drappers, Gagelin and Opigez, Mr Worth married one of their models, where he began making dresses for her. Soon after, customers began asking for replicas of the dresses, which prompted him to seek financial backing for his own dressmaking business.

In time, he became named for his designs, which were much simpler and said to be more flattering for the lady's figure than others of the time; he has become popular with an array of rich, distinguished women, including royalty and the famous. He also moved away from letting women design garments themselves, and instead chose to display his own designs at fashion shows, which were held four times a year.

So the rise of the designer dress began, and other fashion designers followed suit to create whole collections of designer clothes.

Fashion designers are now commonplace, designing clothing for individual clients, specialty stores and / or high-fashion department stores. What distinguishes their clothing from the norm is the originality of design, coupled with the limited availability of garment numbers.

This, essentially, is what makes designer clothing so bought after and is why those skilfully crafted designer dresses can make one go weak-kneed in praise – not only at the thought of possessing one, but also in the knowledge that they own something unique.

Shoe Storage – The Shoe Aficionado’s Friend

You may not be in Imelda Marcos's league (in the 1980's, the widow of former Philippine president Fernando Marco was infamous for, among other things, her collection of more than 3,000 shoes), but you're no slouch in the shoe department. You have shoes for everyday wear, for your dancing nights on the town, and for each of your athletic pursuits. Oh, and you just found a great shoe sale, so you'll be adding to your already more-than-adequate shoe supply. Maybe it's time to think about shoe storage.

Stacking your shoes on the closet floor or lining them up under your bed might work, but if you want to be able to find just the right shoe at a moment's notice, a more organized form of shoe storage can do the trick.

With so many types and style of shoe organizers on the market, the only trouble you will have with shoe storage is deciding which one to choose.

Here are a few of your options:

If you want to keep your shoes out where you and others can admire them, consider a standing, rotating, shoe tree to display your collection. You'll find spinning shoe trees in attractive finishes like metallic bronze, and the best come with racks that can be adjusted vertically. Look for a rack with a weighted bottom to keep the stand from tipping over.

If you want the ultimate protection for your shoes, take a look at canvas shoe drawers, where you can hide your shoes away from dust and potential scuffing. You can find shoe drawers either as free-standing or hanging units. With shoe drawers, you gain the added flexibility of being able to store other items, like scarves, socks, or belts.

If saving space is an issue, how about an over-the-door shoe rack? Over-the-door shoe racks come in several styles, everything from a bamboo rack for your flip-flops and sandals to racks with fashionable wood frames and chrome inserts.

With the proper shoe storage , you'll always have room for that perfect new pair!