Budgeting for the First Move: Hidden Costs, Traps and Pitfalls to Avoid

When you buy your first home, it’s all about money. Money starts leaking out of your bank account in a seemingly unending stream, from fees to solicitors and estate agents to payments for surveys and mortgage appraisals. Even after you’ve moved in, you’re forever incurring new costs: first bills for utilities, connection fees for utilities, even final rent charges on your previous property.

Proper budgeting is the only way to survive the financial maelstrom that is the first few months of moving into and setting up home in your initial property. Follow the tips outlined below to navigate safely through the storm.

 1: Surveys

Before you actually go to the estate agents in Ipswich, or wherever you might happen to be, and start talking about buying a house, you might have a conception of the process in your head already. That conception probably involves paying someone to do a survey. Think again. You are likely to have to pay three people to do the same survey three times: so you need to budget three times as much for the survey as you thought.

The three surveys are done by the bank, to see if the property is safe to lend money on; by the law firm, to check that it may legally be sold; and by you, to provide relevant information before you agree to sign the contract. Prices vary according to the type of survey you have done – the most common, the Homebuyer’s Report, costs between £300 and £400 at the time of writing. From which it is clear that you will need to budget a minimum of £1k for surveys.

A full structural survey may be advised for older properties. The structural survey is provided at a bespoke price, which can be as much as £1k (on an average property) on its own.

Be aware that even a full survey will not reveal potentially serious problems, if they have been hidden behind ceilings and walls. You are advised to find a trusted tradesperson and take them with you when you view the property.

 2: Legal Fees

Legal fees are never-ending. You don’t just pay one legal fee and that’s it – you have to pay a range of fees associated with all sorts of things, from finding a copy of the deeds to the property to conducting a land registry survey. In essence, the total bill from your lawyers is a combination of the prices of the surveys and inquiries they have made, plus their fees for doing so.

Additionally, you will be charged a fee for completion on the property. You can’t complete until this fee is paid.

Legal charges vary hugely depending on what is actually required. You should be given a breakdown of all costs at the start of your engagement of a solicitor.

 3: Connection Fees

One of the most commonly overlooked costs, when you move into your first property, the connection fee is what you have to pay to get a phone line activated, or in some cases to get services re-started. It’s an additional fee to your monthly billing total, so you should budget for extra to get heating and light at the start of your occupancy.

 4: Crossover Costs

Your estate agents in Ipswich may provide you with a checklist to cover all the probable costs associated with your move. If they do, it is likely to note crossover costs as well. A crossover cost is money incurred as a result of your occupation of your previous property – a final rental payment, for example, is quite common where a person moves from rented accommodation into a place of his or her own.

Dining Room Sets: Things to Consider Before Purchasing

Aesthetically-appealing and fully functional dining room sets are essential for those who want to inject a sense of new life into their dining area. If the right furnishings are bought, the said space can be easily overhauled to suit the moods and preferences of homeowners.

 Those who want to achieve the aforementioned advantages should bear in mind that an excellent foundation is important. Therefore, to make sure that the dining area will achieve the kind of ambiance that is aspired should consider the budget and the overall dimensions of the room where the furnishings will be placed. In addition, they should acknowledge the dining room sets that will be used in the renovation process.

Furniture

Prior to purchasing the dining room sets or furniture for the dining space, homeowners should consider its floor area. Interested individuals should bear in mind that it is one of the most used home areas and a vast majority of family bonding and other social activities spent there. For this reason, it can be said that the dining space is unique and deserves much attention.

The abovementioned point is important because a dining area with limited spaces is sometimes used for other purposes other than eating. For instance, for school children may sometimes use them for school purposes. Putting the said factor into consideration, it is important to consider the dimensions because it can help homeowners who want to fully utilize their available space.

Dining Furniture

The shape of the tables and the chairs that will be used in the dining area can make a huge difference on how it will appear. The dining room sets that will be purchased should not only complement the existing ambiance of the dining area, they should also satisfy certain needs and requirements.

Also, it should be remembered that some sizes and shapes of dining room sets have limited features when it comes to seating people. For example, round tables are more appropriate for those who have dining rooms with restricted areas while rectangular ones are more suitable for larger rooms.

Conclusion

As mentioned throughout this article, the dining area is one of the most important parts of the home due to the amount of time that is spent in it. For this reason, individuals who want to achieve a lively and fully functional dining space should be selective when it comes to purchasing dining room sets. This simple undertaking can have a very enduring impact on their home.

Why You Need a Relocation Management Expert

Moving office is difficult, stressful, time-consuming and disruptive. Nobody wants to move office, only to have moved. If you hire a relocation management expert like P2P Relocations you don't have to. By hiring a relocations expert you are efficiently outsourcing the difficult and unfamiliar work of moving to someone who knows the business and can do it faster and more smoothly than a non-dedicated professional. A good relocations company will provide IT services and support as well as telecommunications and tech connections in your new location. These things are wasteful and expensive if done badly.

You can prevent your move from being stressful if you draw up a moving plan with your relocations company to map out exactly how and when you will relocate, and then leave the hard work up to them.

By doing this you are investing in the shortest interruption of business possible, as moving is localised to the shortest time possible, preferably to a single day. This means that you will suffer minimal interruption of business and dedicate your energy to the continuation of your business rather than the administration of your move.

A relocations expert will provide follow-up support to manage the aftermath of your move and ensure your business is settled to the point of running as smoothly as it did before. There is a lot of unexpected specialised expertise to office relocation.

When you move your business, you should end up with a customer-ready business before customers or clients have even realised that you have moved. You need a relocations management expert to do this, unless you plan on becoming one yourself.

Idiot’s Guide to Cleaning a WC

Cleaning a “WC,” or toilet on a regular basis is pretty incredibly important. This is because your WC is one of the areas in your home that is most likely to build up bacteria over time. If you try your method a few times, you’ll be likely to build up a routine and a constant cleaning of your WC will seem like second nature and not tedious or anything. Cleaning a toilet is really easy. It’s not like you need any special training to learn how to clean a toilet, just a few cleaning materials, and a quick guide.

If you’re still not convinced, consider how gross the WC can look over time, and how bad it will continue to look in the long run. It also will smell bad, and only continue to smell worse over time if you don’t do something about it. If you want to get started, the steps include-

1) Get rid of all items around the toilet. If you have anything stacked on top of the toilet like shampoo, toilet paper, cleaning crèmes, or anything else, you’ll want to get rid of these items first.

2) Get some clean gloves to put on. Make sure they are either the kind you get from the package right away, or that you’ve cleaned them before using so you don’t accidentally add any contaminants from a previous job. Use a sponge with hot water and wipe all around the top of the tank, including the seat, base, and the outside of the bowl area. This is important since it will keep dirt from blocking the cleaning supplies you use later.

3) Use a toilet bowl cleaner product inside the bowl. It’s a good idea to read the instructions on the product you’re using here. Make sure you spread the cleaning stuff around the entire surface area inside the bowl. The instructions will likely involve letting the cleaning fluid sit for a while to do its thing.

4) Use a toilet brush to clean the inside of the bowl. This can take a while and it can be a bit of hard work, but all of that crust should come off eventually.

5) Keep cleaning as you flush the toilet. As the water drains, you should be able to get the brush down into the drain and get the rest of the crust down there. It also helps wash away everything that you’ve cleaned so far. It’s sort of a convenient waste removal system.

6) Disinfect the outside of the toilet with disinfectant spray. Make sure you get the handle of the toilet as well, since this is a common area for germs to spread around. You’ll want to use something like a paper towel, cloth, rag or other material to get the cleaning done and then wipe it clean.

7) Disinfect the area nearby. This could include the tiles near the floor, the walls, the side of the bathtub, or anything else that might catch germs from the toilet or that you might as well clean since you’re here. You’re done!

Written by Mark, who have researched about toilets and storage units that are not cleaned in the bathroom. He strongly recommends to keep bathroom clean to live a healthy and a hygienic life.

Introduction of Avaya Certification

Introduction: You will earn reputation, prestige, know-how and push your career to the next level when you join the community of Avaya. This is a company whose main area of focus is providing support to businesses big and small that is within the call center and telecommunication setting. You will do that when you opt to get their certification so that you also join in providing the services to the huge customer group that needs it. You will only be certified when they are sure that you have what it takes in terms of the right expert knowledge and experience in serving in the same field.

You also need to show that you support the Avaya certifications in the market as an indication that you will deliver to the clients. You can be proud and confident with the certification because it is actually recognized in the job market. It identifies you as an expert and so you are fit to troubleshoot Avaya technology.

Description: There are no restrictions on who can achieve this certification. Customers, businessmen as well as the employees of the Avaya can all be certified. There are 3 main certifications that you can achieve through Avaya. Each and every one of them specializes on a unique field and you would decide on the one for you based on where you feel more confident.

The Avaya certifications are:

·         Avaya Certified Implementation Specialist Certification

·         Avaya Certified Specialist (ACS) Certification

·         Avaya Certified Support Specialist Certification

·         Avaya Aura

·         Avaya Call Pilot

·         Product Authorization (PA) Certification

Benefits of Avaya certifications:

You need not think twice about choosing to get any of the above certifications. Soon after, you will begin to enjoy the fruits of the investment. So then, you ought to work hard so that you get the certification as you have wanted. Among the fruits you would get increase pay raise and just the joy and satisfaction that comes when you are able to have a huge client base behind you because of how good you are in what you do.

Requirements: You however need not forget that you must pass the exam for you to be certified. There are 6 tools that you will receive from your study center of choice. They come in form of learning aids, audio guided, question and answers as well as online exams. You would need to work well with these tools and for sure you will be able to pass the test.

Then, you also must take care of the choice you make in terms of the institution to study from. You need to check the reputation of the different centers and based on performance, you can enroll to study with the best. Familiarize yourself with the exams enough before the real date through attempting the online versions.

Read the materials thoroughly so that you grasp the subject better. You also need to have the right confidence so that you will do the exam well. Of course this builds up when you know that you have what it takes. You can also make use of a guide that is most sought just to ensure that you have the right knowledge. You need to pass so that you never have to re-sit the exams. Make use of the online guides that are on sale and they will help you save money that you would pay for taking the exams a second time.

Clearing the certification: Revise well just before the exams. This you can do 2 to 3 times so that you are sure that you have mastered whatever is entailed in the lessons. It is a career you are building and so you need to work hard that you have it as best as you can.

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