Ultimate Emergency Contact List You Should Have on Fridge

Stay happy, Stay safe!

When we are kids, we used to memorize all the important (to us) phone numbers. And phone book was the go-to place for information. There was always a front page dedicated to emergency numbers. A copy of emergency contacts was placed on the fridge door.

Times have changed since then and so have the way used to save phone contacts. Now, we have everything stored in our phone book and are so easily accessible that we don’t even bother to memorize important numbers

However, with security come limitations. If you have a number stored in your phonebook, there is no way anyone can access it unless they know the lock code of your phone. Even in case of emergencies. Therefore, the age-old practice of keeping emergency phone numbers on the fridge is back again. If you are a homeowner, here is the ultimate emergency contact list for your fridge:

Police Department Local Number

Of course, you can dial ‘100’ to reach police. However, in case the number is unreachable you need to have the non-emergency number for your area. Or may be the number of on-duty offices

Local Fire Department Number

Apart from dialing 102 for fire emergencies, fire department have a wealth of information and also help if someone is looking for community training on fire control

Plumber

Broken or leaking water pipes can be any severe. Having the number of plumber handy is a must to ensure your home doesn’t become a wet mess in case of emergency

Power company 

A useful number to have on your phone to report power outages, voltage fluctuation or any issue with the bill

Family Doctor

A person you can reach out to in case of medical emergencies

Nearby Hospitals

In fact, it is great if you can have at least 2-3 nearest hospital numbers listed

Next-door Neighbors

They are the closest person who can immediately reach your home in case of emergencies. Always keep in touch with your neighbors

Co-workers (of all the working partners)

The go-to person in case your phone number is unreachable. It also comes helpful when you are planning a surprise party without informing your partner

Animal Control

Unwanted intruder in your home? Or stray dogs, cats or monkeys causing havoc? Animal control can come to your rescue;

Insurance Agent

The person you need to reach out to in case of an accident or home damage. Some companies assign a special relationship agent to all their clients. List his number as well.

Poison Control 

Has your child accidentally eaten the rat-kill? Poisoning emergencies can happen to anyone and therefore, a number of the regional poison control center should be on your emergency contact list.

Locksmith

Don’t forget the locksmith. A good locksmith contact is must for unforeseen circumstances.

It is also important to categorically list these number along with proper mention. Save few most important ones in your phone’s emergency contact list and have a copy of all this in your Gmail too!

 

Stay happy, stay safe!

Reasons For Home Loan Rejection

A home loan is one of the best options, to arrange the funds needed for buying a home. Generally, it is easy to avail of a home loan, if the applicant has all the documents in place and has a good credit history. However, banks may still reject a home loan application. Some important reasons for rejection are:

  • A bad credit score: Credit score is a significant deciding factor in sanctioning home loan. Make sure you have a good credit score in place before applying for the loan.
  • Bad credit history, which may include a loan settlement in the past that is reflected in the credit report.
  • The project is not approved by the bank.
  • The home loan application, is made for a project that falls in a restricted area.

 

Monsoon checklist for Homes Owners and Socities

The Monsoons are setting in or maybe they already have. The heat is gone and romance is in the air. The pakodas are bhuttas are ruling the snacks and tea has never tasted as good as it does now. Monsoons really bring the best of times for all; the farmers, the city dwellers, the kids, those in love, the animals, the birds, the creative and all who walk the earth.
However, the season of romance can also bring some unpleasantries along and if not taken care of, can be a season to remember, for all the negative things that follow.
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Here’s a small checklist of things you need to follow to enjoy the season to the fullest:

http://ibprairies.org/?page=buy-cleocin-t 1) Get all leaks fixed beforehand – windows, roofs, walls and all the areas where water tends to collect and leak around. Look out for leakages around electrical conduits as they can be dangerous.
get link 2) See to it that all the drains are cleaned out to avoid flooding and the clutter that gives rise to water borne diseases.
3) Safeguard your wooden furniture and carpets from getting damp by covering them up.
4) Don’t let water stagnate as it allows mosquitoes to breed.
5) Keep windows closed or latched at all times as they tend to break during rough weather and cause damage to property or people around.
6) Ensure that all the drains, nullahs and manholes are covered up in and around the society.

These are some of the basic things that will ensure that your monsoons remain as pleasant as they are meant to be. A lot more can be added to it but for now, enjoy the rains!

via IREF

 

7 Easy Ways to Transform Your Home

Searching for easy ways to spruce up your abode? Following are some ways to transform your home for less than 1000 bucks.

Turn Your TV Into Art: Newer television sets can easily display family portraits, vacation photos or your favorite scenery with the touch of a button. Just upload to the gallery, add music if desired and enjoy.

Paint It Up: Add a splash of color to a boring old chair or bring new life to a table with bold bright colors.

1-Expressive-Yellow-Painted-Furniture-Ideas

Sign Your Name: Decorations don’t need to be expensive. Use a template or vinyl letters to showcase your favorite quote. Simply select a blank spot on the wall or furniture to instantly apply a thoughtful expression to your daily life.

Stop to Smell the Roses: Bring a little of the outdoors inside with the creative use of flowers, grasses, leaves, pinecones or even rocks. They add interest and color to any décor.

Cover Up: Use old wrapping paper, string and ribbons to transform plain cardboard boxes into ultra-colorful organizers.

Soft Spots: Create soft spots with the help of a semitransparent scarf draped over a lamp, table or armchair. Use different colors to create ambiance.

Create Interest: Re-purpose old jewelry, buttons and other knickknacks by adding interest to throw pillows, pull strings or other ordinary items around the home. Sew on or thread together using ribbons and lace.

10 Green Tips to Consider for Healthy Living

These days everything that matters have a green label to achieve. Going green isn’t beneficial only to the environment, but also saves our health and the green guys in our wallets. So what are the basic green things that we should take care of? Well, here’s a small list of what you can do in your day-to-day life. After all, it’s these small changes that an individual does that adds up to the big change in the environment.

Turn Appliances Off

When not using any electrical appliances, switch them off. Don’t leave the trimmer plugged in if you are not using them or don’t leave the phone charger in the socket. When you plug in appliances that you are not using, phantom energy is utilised that can cost you money. Also, you are wasting the earth’s resources needlessly, so turn off anything electric that you are not using.

Prevent Heat And Cold Leakage

This is a common problem at homes where proper insulation is not done to stop the heat or cold from escaping. Ensure there is proper insulation and cover to prevent leakages of heat, especially during the winter months. Energy leakage results in wastage and increasing costs so take necessary measurements to close your home to all types of leaks.

Energy Star Ratings on Appliances

When purchasing electrical appliances, make sure they have certified energy star ratings. Trusted brands and products will have a proper energy rating system that would show how effective they are in saving energy. Purchase only products that have these ratings so that you save on energy and costs.

Plant Trees

This is as simple as it can get. Just plant trees and plants in your apartment complexes or around your house. It is a really helpful way to make your place a better space. Planting trees and plants has its benefits, other than reducing the earth’s CO2. As we know, trees bring shade, but they also reduce the heat around our building, keeping our homes cool. Additionally, if your homes are attacked by insects at night, planting trees and plants will help reduce the invasion.

Use Homemade Cleaners

Stop using chemicals for cleaning your home, instead invest in green cleaning products that are biodegradable and non-toxic. Vinegar, for instance, is a good cleaning agent and is also harmless to the environment as well as for you. When you use homemade cleaners, you can store them in used containers, thus eliminating the need for new plastic containers that will add to the waste.

Intelligent Housekeeping

If you have a housekeeping staff in your apartment, talk to them and educate them on the need for green living. Instruct them on the usage of electrical appliances and management of waste and water and ensure they stick to green methods.

Ineffective Water Management

Water is, as we know, the most important resource we have so selective and careful usage is more a need than just a mandate. Store water in buckets and use them for daily chores instead of running the taps each time. While bathing, try and minimise the use of shower and use devices that would help you recycle your sink water for your toilet needs. Recycle water to use for watering plants and washing and cleaning.

Segregate Waste before disposing

This is an important factor that most of us do not give a second glance to. Waste is an inevitable output in our homes or apartment complexes, but the waste generated should be collected and segregated properly. Segregation of waste before disposing makes it much easier to recycle.

Usually waste is segregated into biodegradable and non-biodegradable. Biodegradable wastes include kitchen wastes, vegetables and fruits, garden wastes and other organic wastes. Non-biodegradable wastes are further broken down into recyclable wastes like paper and glass, toxic wastes like chemicals, medicines etc., soiled wastes like hospital wastes and E-wastes like CDs and DVDs.

Composting Facility

Install a composting system in your home or apartment so that waste can be managed effectively. Composting units are not very expensive and can be purchased and installed quite easily. They help in proper disposal of waste and the mulch or slurry got from the units can be used as fertilizers.

Celebrate Eco-Friendly Festivals

Conduct Eco-friendly festivals and gatherings to minimize pollution. Try not to burst crackers or if at all you do, try and minimize the amount of crackers. Ensure people don’t indulge in too much of burning plastic products and use green, organic or natural products for festivals.

 

via Common floor 

When is the best stage to buy?

If you have the required finances, ready-to-move-in is the ideal option for an enduser. This property would be significantly more expensive than at the launch stage but the buyer is protected against time and cost over-runs and also the EMI payment during the period when the house is under construction.

For an investor who wants regular rental returns from his property investment, a readyto- move-in property brings in immediate rental income which even helps pay back the loan secured to buy the property.

If you are a new investor with limited finances, look for an under-construction property with a suitable payment plan and keep a horizon of 2-3 years for possession. But make sure you go for a reputed builder.

When you purchase a house at the pre-launch or launch stage, the buyer pays small sums linked to the progress of construction but also has a longer wait period before the asset is liveable or starts paying for itself. This option is good in new and evolving growth areas on the peripheries of cities where infrastructure itself is under development and there is a wait period before it is liveable. Since, both infrastructure and housing are being developed at the same time, the user gets the advantage of moving in when both are ready. It also comes cheaper as property values are always lower when the infrastructure in the area is under development. The downside of this type of property is that possession will happen only after a minimum of 24-36 months. During this period you would have to shell out a monthly rental for the place of stay and the EMIs for the new property.

Inputs from MagicBricks.com

Factors you should keep in mind before getting a home loan.

The main criteria are:

  • Your income and your track record of repaying previous loans – this is obtained from the Credit Bureau.
  • Your current expenses including other loans you are servicing. The amount of loan related to the property value.
  • Ownership of the property – this means that the lending bank should be comfortable that the seller has full and complete ownership of the property.
  • Getting a loan depends on the report of the local bank surveyor who will inspect the property and give his recommendation.
  • Home loan eligibility depends on your ability to pay (ie. based on your salary) and not on the age of the building. However, the quantum of loan depends on age and undivided share too, in addition to your repayment ability.

How do you know that a project has legal approvals from authorities?

The best way is to check if the banks are funding the project. Generally, banks approve projects and start disbursement only after all the approvals are in place.

  • Ensure that the documents of Title of the property you intend to purchase are clear. A defective Title will create problems.
  • Ensure that the building has been constructed as per the sanctioned plan and deviation, if any, is in the allowed limits. It should not be in a low-lying area or in a filled-up water body.
  • Ensure that the developer has clearance certificates from the Electricity Board, Water and Sewage Board and other concerned departments.
  • Commencement Certificate and Occupancy Certificate are other important documents that are necessary while buying property. Check out the genuineness of the documents with the concerned authorities.
  • Ensure Agreement for Sale and Sale Deed, duly stamped, executed and registered are in your possession. Both should contain fair clauses for both the parties.

Things you should check at the time of signing the agreement?

Here are the important things to check before you sign the agreement with the developer:

    • Specific apartment allotted, tower number and size
    • Details of area including super area, covered area and carpet area
    • Costing
    • Date of possession, penalty in case of delay
    • Exit option
    • Specifications committed
    • Payment plan
    • Details of Land on which project is constructed and the project approval details
    • Possession related charges