Personal Finance Series: No 6 – Shocked! Grandad Bankrupted By Garden!

I read an interesting news article recently. A Grandfather lost everything he owned, including his home because he failed to understand the significance of the single biggest decision made in his Personal Finance Budget – Where to live.The riskiest yet most rewarding personal finance decision was taken because the man seduced himself into buying a house he couldn’t foresee was unaffordable in the medium term. He was ultimately bankrupted, he said, because the yard, the garden, was stunning and it convinced him to buy it. The man, in search of that most primary of needs, shelter, had been seduced by kerb appeal. Housing Shelter Position: Castles of DeceptionThe importance of shelter, of a home, connects to a very primitive human need – the need of protection against the cold, the prevailing wind and a place to feel safe, dry and warm.Searching for a home is therefore a very emotional and deep rooted experience, and all the available advice to house sellers is to make it as easy for the prospective buyers to deceive themselves, to ‘see themselves’ living in the property.Kerb Appeal advice lists the followingPaint over blemishes
Remove all visible trash, weeds, and dirt
Groom the gardens and clean the yard
Add foliage, plants, and flowers
Wash the windowsKerb appeal is all about creating a first impression, making the property sufficiently ‘alluring’ to make passing cars stop!. Similarly, inside gets the same clean out and clean up treatment.Housing Shelter Position: The Emotional SaleThe combination therefore of the deep drive for security and the deceptively seductive garden, produce an imaginary high quality of life, imaginary happiness, and imaginary positive experiences.People stand inside the three dimensional space and ‘feel’ their future – the conversations, laughter, relaxation, dinners and contentment. If it feels right, the true cost of the purchase, the price, the mortgage and the future repayments are all significantly affordable in the minds eye than if the house is somehow ‘wrong.’That having a home produces this response can be in no doubt – just ask any homeless person what they most desire.Housing Shelter Position: Taking Preventive Action Despite the manipulation, buying or renting a home is a big undertaking because of the financial implications of getting it wrong, and the commitment that ensues over a long time The fear of homelessness, or being unable to provide shelter for his family is a very common nightmare among men worried about job security. Housing Shelter Position Spending is one of the 14 different way in which our brain thinks about money. This category includes the hidden costs of moving and settling in, as well as structural changes like adding rooms, conservatories, and knocking down walls.These are large, considered expenditures because they take out a significant proportion from the personal finance budget, it is important to know how these commitments track over time. Also, by understanding the details of how much and how often you spend within all 14 categories, you can start to control your personal finance budget.It is very important when taking preventive action, protecting your shelter, that you match up your money in and your money out, and understand the consequences of a variety of decisions regarding spending money.Large financial commitments such as these can be planned for as a financial budget goal, and having a personal finance budget forecast, an ability to see over time which changes need to be made when times get tough, allow for lifestyle adjustments early – rather than those forced on the Grandfather above, whose lifestyle change was forced on him through bankruptcy. He lost control of his life because he didn’t take control of his money.

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Improve Your Home With Online Home Improvement Loans

Thinking about home improvement? But don’t have enough time to look for lenders? There is an option for you – online home improvement loan that is less time consuming and easy to access.Generally, online home improvement loans are similar to other sort of home improvement loans. The terms and conditions of these loans remain same. As a secured loan, online home improvement loans are served against collateral. With online home improvements loans you can borrow money ranged from ₤5,000 to ₤75,000 along with a repayment period of 5- 25 years. But obviously, your personal credit history, your monthly income, the choice of collateral will matter a lot to decide the loan amount.However, Online Home Improvement Loans are bedecked with lots of advantages. These are as follows:o It is true that applying for a loan is a time consuming matter. Meeting different lenders personally, asking for their loan quotes, execute lots of paper works- it really takes a lot of time. But online service is less time consuming. Just click the mouse and get all information within few seconds.o With online home improvement loans, you can get an opportunity to access multiple lending sites that will help you to choose the best deal. So, within few minutes you can find out the appropriate loan that will suit your expectations and need.o Usually online lenders provide home improvement loans at lower interest rate. Thus, by applying for online home improvement loans you can save your money as well.o Many of us prefer to take some advice before applying for a loan. This facility is also available with online home improvement loans, as many lending websites also provide valuable advices of experts. And these advices can guide you to choose the best deal.o Above all, the application process is simpler and completely hassle-free. You just need to fill up an online application form where you will mention all details about yourself. After that, the form will be processed and forwarded to the customer service executive, who will review it. Sometimes, you may be asked by the lender to submit the credit report that will give information about your credit score and credit history. Then, the lender will contact you automatically with the loan options he thinks suitable for you.Home improvement loans as the name suggests are mainly used for home improvement purposes. It could be major or minor. Some common purposes are like,o Adding new roomso Refurnishing or repairing homeo Landscaping for gardeno Renovationo Doing some urgent repairIt can be said that the Internet has brought the world into our fingertips. Every possible thing, whether shopping or applying for loans- all can be done online. Home improvement loans are a boon of the Internet. So now, if want to avail loans for improving your home then just click the mouse and make your search easier.

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Art Therapy Schools for Children

Have you ever given art a thought? Perhaps just like everybody else, you laughed at the thought of using art to help children overcome their trauma or help them through the difficult time in their life. Art as a form of therapy involves helping people increase their knowledge of who they are so that they can in turn identify the symptoms of having problems and dealing with them to find a perfect solution. Art is known to improve the cognitive side of a person because through it one is able to digest a lot of life and how it is connected to who they are and who they can become. Today, art school rankings have clearly recognized art therapy schools and its great contribution to the world of medicine.Art as a therapeutic activity is being used to help treat depression, anger and aggression and even anxiety. You might have come across the thought of who is actually capable of handling art therapy classes and how different they are with regular school teachers. The truth is that there are special teachers who have passed as registered art therapists who have especially trained in handling students who have problems to be able to teach them the great value that comes with art and producing it. They are the people who are skilled in helping people especially children overcome their traumatic experiences and at the same time be able to discover who they really are through different art forms.Most registered art therapists begin by assessing the problem of the student. They conduct proper research in what the student is going through and the kind of art that could help them overcome the problem. In the beginning, people thought that doing art or creating art is just another pastime that only those who are already talented can do. But art therapy schools are changing the way people see art as a therapy not only to help improve lives but to go up the art school rankings considering that what they do is something valuable to the community too. Along with the art therapists, people who are under art therapy schools go about identifying the problem, recognizing it as a problem and finding a solution for it.The use of the different art materials help clients in exploring the possibility of the use of each one in finding the creativity hiding within them. Not only do they become more creative but they also become more productive that most of them are able to sublimate the negative emotions that they have which cause them to become unhealthy. At their young age, children need to be exposed to an environment that could help them go about life’s challenges without stumbling along the way and that is what most of them find in art production. The process helps them realize that the good things in life are achievable as long as they work hard for it.Indeed, art therapy schools come with a lot of benefits and a special list of it mainly describes what children get from undergoing such program. The art schools rankings will clearly show how much people these days appreciate the presence of art in their lives. This is perhaps the reason why art therapy schools will continue to survive just like how art continues to live on.

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