The cool and cloudy weather, the reason to wear jackets and the magnified pleasure of a cup of hot coffee or a bowl of hot soup. When the weather outside is grey and gloomy, sometimes you can’t help but feel the same. And, much like your mood, your energy levels may take a dip, too.
You can fight off those blues and energy dumpers with this mood-boosting food:Bananas
Bananas are a convenient mood-lifting snack. Bananas don’t just improve your mood; their carbohydrates and potassium can also give you a much-needed energy boost when you are feeling tired and stressed. Carbohydrates don’t just give energy, they actually improve absorption of tryptophan in the brain.
Oats are rich in selenium which helps stabilize mood by regulating thyroid function.Chocolate
Chocolate has gotten a bad rep because of its sugar-rich processed form; but its raw form, cacao, is rich in antioxidants and mood-enhancing compounds.Fatty fish
Fatty fish are also rich in vitamin D, the lack of which also contributes to depression. A vitamin D deficiency is linked to mood disorders.
For vegetarians, flax seeds and chia seeds, both rich in omega 3 and vitamin D, are good fatty fish substitutes.
Interior designer Brigitte Beltran says, "There are lots of technical considerations to take into account aside from creating a beautiful, unified look. From creating a concept and drafting plans to selecting materials and finishes properly, there is a big array of choices available in the marketplace today, particularly with the Internet. Selection can be difficult and costly if the client makes the wrong choices of materials and installation and everything needs to be redone."
Residential design is the design of the interior of Private Residences.As this type design is very specific for individual situations, the needs and wants of the individual are paramount in this area of interior design. The interior designer may work on the project from the initial planning stage or may work on the remodelling of an existing structure.
Commercial design encompasses a wide range of sub specialties
Other areas of specialization include amusement and theme park design, museum and exhibition design, event design, interior and prop styling, tablescape design, theatre and performance design, stage and set design, production design for film and television. Beyond those, interior designers, particularly those with graduate education, can specialize in healthcare design, gerontological design, educational facility design, and other areas that require specialized knowledge. Some university programs offer graduate studies in these and other areas.
Many people don’t like the idea of doing a real estate deal through an agent and feel that direct negotiation between buyers and sellers is more transparent and allows the parties to better look after their own best interests. This is probably true–assuming that both the buyer and seller in a given transaction are reasonable people who are able to get along. Unfortunately, this isn’t always an easy relationship.
Numerous Real estate agencies are listed in the phonebook and on the Internet. Do not pic any randomly. Look for an agent in the area where you are planning to invest.
"An agent should be selected based upon experience, production, research ability and ability to communicate effectively. This is a fluid, data driven business and the ability to communicate effectively with pointed opinions is vital. All the data in the world is useless without an experienced agent to digest and explain it."
An experienced real estate agent deals with the contracts and conditions on a regular basis, and is familiar with which conditions should be used, when they can safely be removed and how to use the contract to protect you, whether you’re buying or selling your home.
Registering your property agreement gives you protection. Real estate agents generally have a more realistic view of what a home is worth and good agents are adept at getting that price. Additionally, real estate agents save you time by showing your home without interrupting your schedule more than necessary.
Perhaps the most important function of an agent is to ensure that the contracts and other legal matters are in order. No one wants to get through all the stress of listing and selling their home and then find out that they are being sued over an avoidable breach of contract.
Here are the important things; everyone has to check before sign the agreement.
Home Buyers India is Pune based Real Estate agency, we charge you 0% brokerage on new properties purchased through us.
To know more about us www.homebuyersindia.com & Call On: 9096279072
Pomegranate juice is rich in antioxidants (more so than other fruit juices)—just a cup daily might help to keep free radicals from oxidizing “bad” LDL cholesterol, according to a preliminary study in the American Journal of Clinical Nutrition. Oxidized LDL contributes to plaque build-up in the arteries. Another study showed that drinking pomegranate juice might improve blood flow to the heart in people with myocardial ischemia, a serious condition in which the heart’s oxygen supply is compromised because the arteries leading to it are blocked.
Dark leafy greens, such as kale, chard and collards, thrive in the chill of winter when the rest of the produce section looks bleak. In fact, a frost can take away the bitterness of kale. These greens are particularly rich in vitamins A, C and K. Collards, mustard greens and escarole are also excellent sources of folate, important for women of childbearing age.
Citrus fruits, including lemons, limes, oranges and grapefruit, are at their juiciest in the wintertime and can add sunshine to the dreary winter. Citrus fruits are loaded with vitamin C—one medium orange delivers more than 100 percent of your daily dose. The predominant flavonoid in these fruits—hesperidin—is credited with boosting “good” HDL cholesterol and lowering “bad” LDL cholesterol and triglycerides.
Carrots contain the carotenoids beta carotene and lycopene—both of which may shield your skin against UV damage. In one study, participants who were exposed to UV light had almost 50 percent less skin reddening after they drank about 1 2⁄3 cups of carrot juice or ate 2 1⁄2 tablespoons of tomato paste daily, in addition to their regular diet, for 10 to 12 weeks.
Like lycopene, beta carotene—the compound that makes pumpkins orange—protects your skin from UV damage. Beta carotene is also converted to vitamin A in the body, which helps to keep your eyes, bones and immune system healthy.
Green tea is a powerful antioxidant and has strong antiviral and antibacterial properties. Drinking approximately three to five cups of green tea a day keeps your immune system in check. Chamomile tea is also said to possess antioxidants that help fight against cold and flu during the winters. (Think stock Photos/Getty Images)
Amla enhances food absorption, balances stomach acid, fortifies the liver, nourishes the brain and mental functioning, supports the heart, strengthens the lungs, regulates elimination of free radicals, enhances fertility, helps the urinary system, increases skin health, promotes healthier hair, acts as a body coolant, flushes out toxins, increases vitality, strengthens eyes, improves muscle tone and, acts as an antioxidant.
We’ve got some great tips to get you through this. Buying your second home may be easier than you think!
1. Decide what kind of second home you want to buy…
Do you want your new property to be an investment or a home away from home? The location of this second house will also affect the price tag, so choose wisely! A holiday home would be great if it is a quiet farmhouse on the outskirts of your city, a cosy nook in a calm place like Pondicherry, or an eco-friendly wood house in a hill-station; while an apartment that you can rent year-round in a city location with convenient facilities close by would be a better investment from the rent/income perspective.
2. Budget, Budget, Budget! - How to save for your dream vacation/holiday home!
Now that you’ve decided on what you want, begin the penny pinching. Monthly budgeting is the best way to begin. Start with a simple excel sheet to track all your expenses – rent, food, transport, treats and so on. Assign an overall percentage to each of these items to see where you are spending more or less, what is required and what isn’t. Target the top 3-4 most expensive items on your list and focus on how you can save here.. It can be easy to lose track of your spending, so rather than waiting until the end of the month, start right at the beginning.
3. Minimize on the Luxuries
This is an important step that will probably take you further on your path to a second home loan than you might think. All those little luxuries add up, and if you were to control them, you’d realize how much quicker you could hit your savings goal. Find a balance between cutting them out completely and overspending – make a fancy meal at home rather than eating out at an expensive restaurant every week. Instead of burning money on fuel, carpool with colleagues. Make a list of your monthly expenditure and look for expenses that can be minimized.
4. Treat Yourself
Keeping the purse strings too tightly closed can backfire – you snap and make expensive, impulsive purchases. Rather than driving yourself crazy by denying yourself your every luxury, make a plan to treat yourself every few months. Set yourself a savings goal every quarter, and once this is met, treat yourself to a day at the spa or that nice mini-vacation you’ve always wanted. This reward program will make those months of saving for a holiday home easier as the months go by.
5. Consider Alternative Financing Methods
It is claimed that over 99% of all businesses receive their initial funding through family and friends, and the trend is catching up in the housing sector as well. If your family and friends are willing, this would be interest-free and would save you huge sums. This route needs careful thought – pick someone who is in a position to help you out so you don’t put them in a tight spot.
6. Get the Taxman to pay for your Second Home
Apart from borrowing, saving can be a form of alternative finance as well. A tax benefit on a second home loan is given on the interest part of the amount that you pay for a fully constructed house; or 20% of the total interest paid before construction began is also allowed as tax deduction while construction is not yet complete. Since the law considers your second home to be rented out and therefore eligible for income tax, these need to be factored in your budgets.
7. Increase your Down-Payment if Possible
Next, when you think you’re ready to make the big leap and buy that second property, it may be a good idea for you to pay a larger down payment on your second property than the standard. If you pay a larger sum upfront, say 30-35%, you will reduce the housing loan you’ll need to take out, thus saving yourself thousands of rupees in interest. This would allow you to finish paying off your loan faster and reduce the stress that comes with a large loan.
8. Things to Avoid Doing
While buying a second home could be a major investment down the line, remember not to take out a loan against your primary residence. This could spell disaster for you if some unforeseen financial reversal were to take place. You might end up losing both homes. Also, consider just how much this second home is going to cost you.
The Bottom Line
Saving for your new property doesn’t have to be about deprivation and anxiety, all it takes is some careful planning. A little forethought before you begin this journey will reduce all your tension and worry over loan repayments in the long run; and every time you check your house fund and see those numbers growing, it will motivate you to keep going!