Check Out The Top Seven Tricks To Save Up To 280 On Your Car Insurance}

Check out the top seven tricks to save up to 280 on your car insurance

by

Brijesh B.

It is a well-known fact that car insurance premiums are soaring more than ever before. In fact, this year the cost of car insurance was 12%/100 higher than what it was last year. On top of this, the rising cost of petrol is making matters worse for an average UK driver.

The month of August recorded an average car insurance premium of 525 which soared to 549 in September, 572 in the following month and 597 in November. The rising petrol costs are adding to the agony and to top it up the chancellor has declared a 20% increase in the insurance premium tax.

However, there are various methods to cut down the overall car insurance costs. A prudent driver can apply these methods to slash the costs and make some good savings. By reducing overspending and applying tight budgeting techniques, you can actually save around 280 on your car insurance. You can start afresh in 2017 and make car insurance cost cutting the latest New Year resolution.

Most tried and tested tips to cut down car insurance costs:

Shop around for the cheapest deals: It goes without saying that you need to analyse which motor insurance provider can offer you the cheapest deals. For this, you need to have a fair comparison between all the UK motor insurance providers to check out their quotes. An online price comparison expert like FreePriceCompare can be a big help as we offer free comparison service to get you the most suitable car insurers across the UK.

Only add the regular drivers to the policy: Your policy must include drivers who would drive the car for a few days or more. Do not add your ageing parents just for the sake of reducing the premium cost. This may not go down well with the insurer and you may end up losing the insurance policy.

Safeguard the no-claims bonus: No-claims bonus is an important method of reducing the overall insurance cost. By not making frequent claims every now and then, you can actually leverage the possibility of a 90% discount on premium that would otherwise cost hundreds of pounds.

Modify the car with modern tracking devices: You can actually get your vehicle fitted with a few safety devices like the Black Box, alarm, tracking device and immobiliser to minimise the insurance cost. By adding such technical devices that add to the efficiency of your vehicle, you become a contender of a 5% discount on the insurance premiums.

Cut down the miles: If you can slash your vehicles annual mileage then you can expect a good discount in premiums. By reducing mileage by 5,000 miles, a 35 year old driver can save around 50 a year in premiums. The savings would double if you reduce mileage by 10,000 miles and so on. However, you need to be honest about mileage as tricks of any kind could lead to the policy becoming void.

Choose cars that repel insurance cost: Motor insurance costs are dependent on the type and model of the vehicle. SUVs pull higher premiums while cars with different models and smaller engines can save you some big money on the cover.

Use the garage: Insurers consider drivers more responsible when they keep their vehicles inside their garage. Cars kept outside on the streets have a higher risk of getting stolen and therefore, the driver has to pay higher premiums.

The above mentioned tips can actually reduce your overall motor insurance cost by a big margin. Apply them to save big on your car insurance cost in 2017!

Author Bio:Brijesh is a financial advisor at Freepricecompare.com and a passionate blogger. He writes on personal finance and money-saving tips. He suggests all UK motorists to compare car insurance quotes before accepting renewal quote with existing supplier. When he isn’t writing, he is spending time to find advance technique of farming and its way of applying. He also plays his guitar gifted by his father.

Article Source:

eArticlesOnline.com }

4 Significant Reasons Why Remote Work Makes You A Better Resource

Envisioning myself lying on the sofa, maybe tucked into bed with the laptop on my lap and hot cup of coffee at my bedside. This is the kind of job I would love to do. I mean, just be a remote worker and live the best of your life.

These were my thoughts back in 2014 when I first came to know about teleworking. At that time, I was working as a full time employee in a Dallas web design company. Tired of 9 to 5 hustles, all I could imagine was comfort, coziness and freedom of work, without being bounded by rules, regulations and policies.

Although, remote working has its perks—for both employer and employee—still, that doesn’t mean that you can be indolent towards your tasks.

Contrary to popular belief, studies show that working from home makes you a better employee and you do twice the work that you would do while working in a traditional office environment.

Certainly, from better productivity to increased gratification, remote work brings betterment to your lifestyle by redefining the way you work. In fact, remote working is no less than a boon for the employees who love to stay at home and are reluctant to go through the hassles of everyday commute.

They deliver their best and emerge as a great resource when they are not being bothered by 9 to 5 struggles.

Here are a few reasons why telecommuting makes you a better resource and how it brings the best out of you.

1. Increased Productivity

Long gone are the days when remote working was deemed as an employee perk. Owing to the cultural and technological development over the last 2 decades; workplace has experienced an immense paradigm shift. Hence, the idea of remote working has been shifted from a rare perk to productivity boost for employees.

In the present era, employees willingly turn towards remote work as they find it one of the best ways to haul out their maximum potential, which enables them to give their best without having any pressure of fitting in.

To prove the efficacy of working remotely, Stanford professor Nicholas Bloom conducted a study in collaboration with a Chinese Travel Company Ctrip. Considering the super expensive office space and strenuous commutes, James Liang, CEO of Ctrip, was willing to give their employees mobile work option. Bloom formulated a quantitative test whereby 500 employees were divided into two groups; half of them continued working at HQ while half of them worked from home. The two-year study showed an astounding boost in productivity of the teleworkers as compared to those who were working at the office. The study proved that telecommuters work a true full shift or even more.

“Ctrip’s Study proved that telecommuters work a true full shift or even more.”

2. Less Commute More Energy

An average person spends 60 to 80 minutes of their precious time commuting. According to a study, people feel stressed due to arduous everyday commutes and two-thirds of employees start hunting another job to ease the commute. By eliminating the amount of time spent every day getting to and from work could result in increased energy levels and productivity.

If the employee has to take an hour-long train ride or they spend half an hour coping with the rush hour traffic, odds are thin of them getting to the work all energetic and ready for the day.

On the contrary, when you work from home, you start fresh with higher morale. Other than that, the reduction of daily travel enables you to save the cost you spend on fares and fuel. So it’s more like hitting two birds with one stone.

3. Reduced Attrition Rate

According to a study, losing a valuable resource could cost the employer over $30,000. While recruiting and training a new employee could cost even more. Flexible working and telecommuting is known to help reduce workforce attrition; eventually, it helps companies save time, money and effort spent on hiring and training procedures.

Ctrip experiment proved that the employees who were working from home were observed with 50% less attrition and fewer sick leaves as compared to those who were working in a traditional workplace setting. Also, the company saved $2,000 by saving the cost on per employee’s office space. All in all, remote work opportunities result in reduced employee turnovers and attrition by 25 to 50%.

4. Improved Health and Happiness

If you compromise on your personal wellbeing, you would never be able to be fully productive and beneficial to your company. Sense of fulfillment is key when it comes to workplace satisfaction. Contrary to popular belief, fulfillment is not only about being paid a hefty amount every month, there is a lot more to it than this.

Believe it or not, people have had enough of the everyday rat-race, they just want to take control of their lives and are eager to find a balance between work and life. Flexible workplace gives them the liberty to prioritize things while maintaining the order of what should be done when as per their convenience.

Teleworking allows you to lead a lifestyle where you are in charge of putting things in order as you can mold schedules. In a nutshell, it allows you to live a life where you can earn well and live well, simultaneously.

“Teleworking enables you to live a life where you can earn well and live well, simultaneously.”

Conclusion

Putting it together, over the past few years, teleworking has gone beyond being just a trend or a privilege. Unsettling the rules of the traditional workplace, it’s been morphed into a norm and a way of life, which is here to stay. From employee retention to decreased attrition and improved personal wellbeing, there are several benefits that remote works allows you to take advantage of.

It’s time for you to start your journey as a remote worker and discover what you’ve been missing out on.

Add Class To Your Home With Wooden Porch Railings

By Adam Peters

Explains how wood is the perfect choice for porch railings. The different styles of wood railings. How to take care of wood railings.

Wooden porch railings add character and class to your home’s looks. Wooden porch railings add elegance to contemporary and victorian homes, as well as classic and traditional style homes. The look of traditional railings is best achieved by rails

[youtube]http://www.youtube.com/watch?v=MkAU9lCv0cU[/youtube]

crafted from wood, rather than newer materials such as metal. There are many benefits to wooden porch railings besides their classic good looks, however. Designers like to work with wooden porch railings because of the range of freedom they can have in the design. Because of the popularity of wooden porch railings, there is a wide range of components available in wood, at very reasonable prices. The top and bottom rails, the balusters, the posts and all of the other accessories are available in wood of many different styles. These wooden parts are easy to customize to the homeowner’s taste, and, once installed, are easy to maintain. Wooden railings are extremely durable while still blending beautifully with the exterior of most homes. Interior wooden trim and flooring also blend nicely with wooden porch railings; this lends a lovely cohesion to a home.

Wooden balusters can be cut into an infinite variety of shapes: square, flat, or round. No wonder wooden porch railings are so popular. There are few other materials that offer the beauty and variety of wood at such a reasonable price. Woodbis an abundant commodity, and so the price of wood is still relatively low. Wood can be cut, sawed and carved into so many different shapes and designs and wood railings are very easy and quick to install. Wooden railings can be weatherproofed with the proper material, making them very durable over time. Wrought iron railings are subject to peeling and corrosion durible if they are not painted frequently.

People frequently choose wood railings over other materials because theycan be customized by hand crafting to create a unique look for their home. Lovely custom made railings are easily installed with nails or wood screws. The accessories and

furniture people choose for their porches are set off much better with wooden porch railings. Wicker chairs, porch swings, wooden furniture and rocking chairs all look even pretty against the backdrop of a lovely wood railing. Hanging plants and potted trees also look prettier on a porch with wooden railings.

There are many other materials are available for porch railings. These include stone, concrete, brick or metal. You can even combine materials such as wood and metal. But for character and class, nothing beats wood. It is the material one always

associates with a classic, traditional style. Add to this feature the fact that wood railings are inexpensive and easy to install, you have a perfect fit with wooden railings.

About the Author: Adam Peters is the journalist of consumer websites, who has written more articles on wood designs for http://www.deck-porch-railings.com . You can find more information and resources on wood railings at his website.

Source: isnare.com

Permanent Link: isnare.com/?aid=131140&ca=Home+Management

The Cleaning Procedure For Your Pipe

byalex

When your favorite bongs or pipes in Long Island get covered in resin, it’s time to take time out and clean them. It’s not difficult to keep your apparatus sparkling clean, and it most certainly is worth the effort. Depending on your particular smoking regimen, your pipe may become filthy in months, weeks or even days of use. Once your pipe develops a thick nasty coat of dried resin, not only does it look disgusting, the taste is foul. If you don’t maintain your bong or pipe, eventually it will become some clogged that you will not be able to draw a hit.

Here are a few tips on how to keep pipes in Long Island clean.Using pipe cleaners; get as much resin out as possible. Commercial pipe cleaners are available in your favorite head shop or even at the department store. Start by cleaning the mouthpiece, push the pipe cleaner through the opening of the mouthpiece and attempt to force it the full length of the stem. Usually the result of this exercise is to see a rather large ball of resin roll out of the stem and land in the pipe bowl. Insert another pipe cleaner into the carburetor until it is in to the maximum. Repeat this two or three times and the ball of resin in the bowl should come out. Any resin which remains in the bowl can usually be picked out with a wooden toothpick or paper clip. Scrape the inside of the bowl with a knife but be careful the knife does not slip on the glass surface.

Fill a glass with 90 percent rubbing alcohol. This is far superior for the job than the milder 60%. Place the glass pipe gently into the glass and let it soak for as long as you can, one hour is the bare minimum, overnight is better.

Once the pipe has soaked for a period of time, drain out all the alcohol and rinse the pipe in clear water. The next step is to immerse your pipe in a saucepan, fill it with just enough water to cover the entire pipe, and bring to a boil, gently. Do not put your pipe into boiling water as there is a good chance it will break. Leave the pipe to boil gently for about half an hour. Using tongs; remove the pipe from the saucepan and let it cool. Dump the water and clean the pan. If the pipes in Long Island were really filthy this boiling procedure may have to be repeated a couple of times.

As a result of the boiling, the pipe minutes. Once the pipe has been thoroughly rinsed and dried, it should be good to light up.

BURN has one of the greatest varieties of pipes in Long Island. They range from machine made briar all the way to works of art from well known pipe makers.

The Standard Poodle And The Border Collie Proud Friends For Life

The Standard Poodle and the Border Collie Proud Friends for Life

by

Katrina Wagner

When you think of Poodles, you might picture the Standard Poodle, standing regally and well-groomed, with that slight downward stare that seems to say, You are all here to serve me. Get me some Filet Mignon. Now, picture a Border Collie, crouched low to ground, those intense eyes fixed on some faraway object, not afraid to run through a great deal of muck to get to it so he can herd it back to whence it came. They seem alarmingly different, these two breeds and, indeed, one creates an air of aristocracy and the other a sense of working class determination. Consider the owners of each breed and you ll find that they differ a great deal, too. Historical Poodle owners include Beethoven, Chopin and Cary Grant. Matthew Broderick and Sarah Jessica Parker own a Border Collie.

As far as ancestry goes, there is literature about the Border Collie dating back to the mid-1500s. They come from a border country between England and Scotland. They are the most popular breed in Scotland today where they are used for their original purpose herding sheep. Their ability to learn commands which are spoken, delivered with hand signals or whistles is astonishing. The Standard Poodle (from whom the Miniature and Toy Poodle are bred) comes from France and was originally used for hunting. Their incredible ability to learn tricks soon bumped them into the entertainment business and they were seen in such arenas as the circus.

[youtube]http://www.youtube.com/watch?v=r45UnQVjnRo[/youtube]

There are unusual things about both breeds. The Poodle s haircut stands out in the human world and many wonder why it is done. Poodles actually have hair, not fur, which grows continually. The cut is a mix of necessity and tradition. The Border Collie was not granted full admission into the AKC until 1995 and this was strongly opposed by working Border Collie owners. While the Border Collie is an excellent worker, it might be surprising to learn that the Poodle can also work. They can be used in search and rescue work, therapy work and more. Both breeds need a lot of exercise and can be good with children if they re canine-friendly. While the Poodle will be as happy sitting on the couch and being admired as he will working, the Border Collie must have some sort of work that utilizes his herding instinct.

Besides their different class in the human world, the big question is often which is smarter? Well, it s been reported that Poodles are the smartest breed of dog but new evidence shows differently. The

Standard Poodle

is actually second in intelligence and trainability to the

Border Collie.

Now intelligence is subjective and owners of both breeds have a good argument that their dog is a brainiac. And, it really doesn t matter who s on top in that respect. Dogs don t care who s smarter, prettier, more regal or has the best haircut. They do, however, give big points to the smelliest dog of the pack.

The author, Samantha Higginsfield loves

Border Collies

and her family has owned this breed of dog for generations. When Samantha is not writing for the local newspaper or her own pet blog you can find her playing with Arnie her Border Collie at the nearest dog park.

Article Source:

ArticleRich.com

Nokia X3 Simple And Realistic

  • Click Here For More Specific Information On:
  • Bavas Music

Nokia X3 Simple and Realistic

by

john brownn

Nokia X3 is a handset that has amazing features and is designed keeping in mind practicality of applications and realism. The uncomplicated nature of the phone along with such outstanding features is one of its biggest high points that draw attention of mobile users to

Buy Nokia X3

.

The phone weighs approximately 103 grams complementing its measurements 9.6cm by 4.93cm by 1.41cm and 103 grams. The beauty of the phone lies in its different colors it is available in and the keypad which can be only be seen once the phone slides. The phone has a 2.2 inches wide screen of the QVGA type and offers 262 colors on the whole. The phone has an amazing clarity of pictures because of the high resolution screen of 320 X 240 pixels.

The phone has an extensive in-built memory and also has a microSD memory card slot allowing the users to add external memory as per requirement. The memory can be expanded upto 16GB.

[youtube]http://www.youtube.com/watch?v=tUT5lRL2U48[/youtube]

The phone has an amazing network coverage capability avoiding any call drops or disturbances in the network. The handset keeps shifting the quad band and works on the GSM network.

The phone supports Bluetooth that allows the users to connect to other Bluetooth enabled devices at a distance of 10 meters. The phone also has wires to connect through the USB cabled port for the devices that do not have the Bluetooth capability. The phone has a fast transfer rate of data because of the EDGE and GPRS technology built-in the phone giving you reasons to look for

Nokia X3 Deals

.

The phone has a 3.2 mega pixel camera which captures images at 2048 x 1536 pixels and can shoot QVGA video at 30fps. 4 x Digital Zoom, Capture Mode (Still, Video & Self Timer), Full Focus, color Tone (Normal, Sepia, False colors, Solarise & Negative, Photo Editor, all these and many other camera settings can be accessed while using the camera.

The Nokia X3 has a special feature called Comes With Music that enables users to discover, download and keep any and every track they want from the millions available in the Nokia Music Store.

There are many lucrative Nokia X3 deals available in the market like for any other

Nokia mobile phones

. The buyers can always look out for

Cheap Nokia X3

phone deals suiting their pockets and enjoy their musical phone.

Eric Gere is a webmaster of mobiledealsstore in UK and deals in mobile phone deals. Here u can get the information related to nokia mobile phones like

Buy Sony Ericsson Vivaz

,

Latest Nokia X3

etc. To read more about mobile phones info visit:mobiledealsstore.co.uk

Article Source:

ArticleRich.com

Getting A Facelift In Stages What Is Appropriate For Your Age?

A hardworking woman or man in his or her 70s who has never had any plastic surgery or “work” deserves a little pick up for their future. They have the option to select and follow through with a full facelift and benefit fully from the dramatic difference. But what about the younger men and women who are about to turn 40 or 50 who have noticed a few changes in the mirror? A decade or two ago, they may have enjoyed the process of going from looking like a little kid in college and right after, to being pleasantly surprised by their maturing and attractive features on their adult face as they entered the work force. But now that their kids are entering middle school, high school or even college, they wonder what the years have done to their faces and they want the time back — gradually. A 40 or 50 year old does not want or need a dramatic, full facelift just yet. A credible plastic surgeon would definitely explain and recommend the many surgical and non-surgical options available. A surgeon can make those incremental changes over several years rather than at once, in order to turn back the clock instead of jolting their appearance all at once. The facelift can be broken down to accommodate gradual changes to the different quadrants of the human face. The main quadrants that influence the height and overall youthful appearance of the face include the forehead, the two cheeks, and the mouth/chin area. Surgeons can make incremental changes to the position of the muscles and fat pockets within those sections of the face to uplift the face for long-term results. Surgeons have recognized over the years of study and practice that the difference between working on an older patient and middle aged one is the amount of sag and location of the sag at that stage in life. A 40 or 50-something man or woman seeing a plastic surgeon for the first time will more than likely have accelerated aging on one or two sections of the face. They usually begin to notice sagging and wrinkling in the forehead and around the mouth, which create the early stages of what is now referred to as jowls. A surgeon can either add eyelid surgery or leave it out for now because the brow lift will make enough of a difference. For lines and sagging around the mouth, either the cheek pads will have to be raised or the muscles influencing the face shape near the jaw line will have to be raised and repositioned. It is up to the patient to decide the amount of difference he or she wants to make now and in the future, but the full facelift is not for every age group.

[youtube]http://www.youtube.com/watch?v=WOfOSp5tcoM[/youtube]

Real Estate Coaching A Path Towards Financial Freedom

Real estate coaching- A path towards Financial Freedom

by

Peter B Andrew

Real estate investments are considered as the hottest and most lucrative businesses in today’s times. Despite of a shaky economy, this business has proved that it will not degenerate. Most of the millionaires still rely on real estate investing for generating huge cash flows. But, it has to be also seen that these millionaires still rely on the coaching such as Hellickson real estate services. All this suggests that if you just have a knack of real estate investing and follow a perfect mentor who will guide you in the proceedings, then the inflow of cash is non-stoppable.

When people look at real estate as a money generating machine, they often fall prey to false decisions usually done on account of lack of knowledge and haste. To avoid this, one has to follow a simple rule, i.e. learn from the experts such as Hellickson real estate services before getting into the trade or better, keep earning along with the experts. It is always wise to hire real estate coaches rather than fall flat on your face due to negligence and lack of knowledge. Experts always help you in devising proper strategies and plans to make your investments safe and secure. Hellickson real estate is one such coaching service which helps you in attaining handsome rewards via your investments in real estate.

[youtube]http://www.youtube.com/watch?v=PaRKK8BOzUY[/youtube]

Financial freedom is a thing which has been proven by some of the great investors of real estate. If you look at their history, it will be proved that they have not directly jumped into the game of investing without the support of coaching. Although it is a fact that there are lots of real estate coaches available, choosing the best is surely a challenge. Hellickson real estate is one coaching service which provides you more than one reason to choose them. They are not only experts having two decades of expertise in the trade; they also offer residual income sources to earn more.

Huge sums of money get involved in the real estate market every day. Hence, making the right kind of moves becomes a necessity if you want to avoid failures. Lots and lots of budgeting and valuations take place in the market. There are many facets which are not known to the investors who are amateurs of the trade. By having a real estate coach such as Hellickson real estate you can expect proper budgeting and valuations from their expert advice. They know the industry as the back of their hands and will help you in getting value for your investments.

Hellickson real estate

is one such coaching service which helps you in attaining handsome rewards via your investments in real estate. By having a real estate coach such as

hellickson real estate

you can expect proper budgeting and valuations from their expert advice.

Article Source:

ArticleRich.com

Botox Injection Training Doctors

Botox Injection Training Doctors

by

Elene Hanzen

Botox Cosmetic is an injected liquid used to treat frown lines, squint and smile lines, nasal crunch lines, and horizontal forehead wrinkles. The lines or wrinkles are diminished because the related muscles are targeted with Botox. This relaxes the muscle and the relaxation impacts the lines. Thousands of patients have been treated medically and cosmetically with Botox. It has over twenty years of a safety record, which is exceptional.

It\’s not surprising that Botox has become the preferred alternative to going under the knife. Cosmetic surgery is comparatively much more expensive, painful and uncomfortable, takes a longer time to heal, and comes with the possibility of complications. Botox is different. It is extremely affordable. There are rarely complications. There\’s no recovery time required. And it\’s a painless procedure.

It\’s not surprising that Botox is so popular. With an exceptional safety record over the past twenty years, and a price point that is very comfortable and relatively cheap compared with alternatives. Botox is produced in a lab by a bacterium called clostridium botulinum and it has been purified under very strict controlled conditions.

[youtube]http://www.youtube.com/watch?v=hgZy3Cg6ODM[/youtube]

What\’s Happening

A lot of reasons are cited to explain the large growing segment of the market that is now looking for youth enhancing procedures. It\’s not surprising that woman, including girlfriends, family members, and wives are introducing the benefits of looking younger to their male counterparts. Men are starting to appreciate that looking younger and feeling more refreshed has an impact on their lives.

Botox has shown some great results in the treatment of people suffering from acne. Botox is targeted at the problem area for the oil production, the glands just under the skin. Pore size should reduce by up to sixty percent, and acne severity overall should decrease. A very shallow injection placed at the depth of the sebaceous glands is the key to pore shrinking through Botox. By comparison, Botox is injected into the muscle tissue a couple of layers underneath when the target is wrinkles.

How Much?

The cost of your Botox treatment will depend upon your anatomy as well as the area being treated. Smaller muscles will obviously cost less than larger areas, like the frown muscle. Age is also an important factor, as the frown lines tend to deepen with age. Long-standing deep frown lines may not be eliminated by Botox after your first treatment, but they will be softened. Naturally, it s important to repeat your Botox treatment after it wears off. Each additional treatment will further reduce the frown lines. An average female frown line or lines usually requires about twenty units of Botox. As some doctors charge for Botox by the unit, the costs can vary widely. You should be aware of this and consult with your doctor for details.

A safe estimate for a follow up procedure is anywhere between the three and six month mark. Of course, patient follow up depends on the type of treatment performed and the extent of the problem area. But it\’s pretty typical for a patient to come several times during the first year. And then periodically for follow up in the subsequent years. After the muscles have been relaxed for a while, it takes less to maintain that relaxation.

Visit

Botox Injection Training

to book an upcoming training course.We are the premiere provider of advanced aesthetic training programs in North America. Visit (

iapam.com/botox-training

) to learn more about our skin rejuvenation training procedures.

Article Source:

ArticleRich.com

Rent Or Buy Your Home The First Question

Rent or Buy Your Home The First Question

by

Michael Roche

For most families there is only one answer!

[youtube]http://www.youtube.com/watch?v=pOO1rT-dfmA[/youtube]

The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Decorating and pets may be issues as well. The primary disadvantage to renting is that the landlord can force you to move once your lease has expired. Then there is the realization that your rent is making your landlords mortgage payment not yours. Owning a home is big responsibility but given the freedom, stability and security of owning your own home, it is worth it. It is also an investment. When you make a mortgage payment, you are building equity. Although most of your mortgage payment will be going toward interest and other components of the mortgage such as taxes and homeowners insurance, the standard fixed interest rate loan is amortized over the life of the loan. Amortized – means that your monthly payment includes enough money is contributed to the principal balance to pay off the loan at the end of the term. A 30 year fixed loan is paid off in 30 years. This might seem like a very long time but if your home appreciates, it can be surprising how much equity can occur in just a few years. Owning a home also qualifies you for tax breaks that reduce the effective cost of your mortgage. Your mortgage payment is mostly comprised of interest and real estate taxes. Both are deductible on federal and state taxes (primary residence only). This can represent a huge tax savings. So you say thats great at tax time but it doesnt help me make the monthly payment. Actually it can. If you are a salaried employee, IRS does not require that any more is deducted from your paycheck than you actually owe. You can increase your number of exemptions to reduce the tax deducted and increase your take home pay. Effectively you can use the IRS withholding calculator to help you determine the number of exemptions you can claim. http://www.irs.gov/individuals/page/0,,id=14806,00.html. You may not want to do this every year but it can help with payment shock during the first few years. But be careful; you should always consult an accountant prior to changing your W-4 exemptions. Is buying a home a safe investment? The short answer is NO. The downturn in the real estate market during the past several years has taught us that. Are there any safe investments that offer a substantial return? Over the long haul real estate may be the safest bet you can make. There are many factors that determine property value. Inflation, supply and demand are the primary factors. It is very improbable that we will ever see zero inflation. If a home builder has to pay more for materials, he must sell the home for a higher price or stop building. We keep making more people but be cant make any more land so when demand is greater than supply appreciation occurs. This an over-simplification and does not factor economic considerations but over time it is probable that well located real estate in growing communities will show substantial increase in value. Have you considered buying a home but find the thought of committing to a real estate agent, divulging your personal information to a mortgage lender and making one of the monumental commitments of your life a frightening prospect. So does every first time home buyer. For most of us, it isnt easy to get ahead in life but if you buy a home and dont make any serious mistakes along the way, you will be amply rewarded in your retirement years.

Michael Roche, the author of this article has assisted home buyers and real estate investors by providing the information necessary to make informed buying and selling decisions for over 30 years. If you have questions or need real estate or mortgage advice please visit Free Mortgage & Loan Resources at www.onlinemortgageresources.com. Complete the Contact Us form or email mikeroche01@gmail.com.

Article Source:

ArticleRich.com