August 31, 2015

Taking Care of Your Garden

Your garden is often the first impression people have when they come to your home, or it's a valuable food source. Perhaps it is both. But it also needs a lot of work to make sure it is maintained successfully and can fit your budget. But that doesn't mean it needs to be a lot of effort.

One of the best ways to do this is to go green. Spraying chemicals on your plants don't just kill weeds. They can also kill your plants too, and helpful wildlife like bees and worms. Using natural pest deterrents like raised beds and concentrated garlic juice will keep your plants healthier, help Mother Nature, and keep your wallet happy. After all, you won't have to spend money on expensive chemicals anymore when you go green, and you can save money at the grocery store by growing organic food yourself, which is much safer for you and your family. And making a raised bed and spraying it with organic pesticides won't take any more time than spraying chemicals on your plants. 

Another way to help your garden is to start a compost. It can be a pile on the corner of your lawn, or in a barrel. You can put all of your leftover food, weeds, and other biodegradable waste into the compost. Once that breaks down, you can fertilize your plants with it instead of buying fertilizer from the store. Not only will it keep your garden looking nice and healthy, but it will also save you trips to the dump because starting a compost cuts the amount of trash taken to the dump in half. And it hardly takes any more effort than throwing something into the trash. 

Even though going green is a great way to ensure your garden's health in a cost-efficient and thorough manner, you might decide it's more trouble than it's worth. After all, even though both methods described do not take a lot more effort than what you already do to care for your garden, they do take a little more effort. With our busy schedules, that is sometimes not an option. So here are some ways to save some time and money in gardening. 

 The first way to save yourself time is to install an irrigation system or sprinkler system in your garden. This will save you from watering your garden by hand, which can sometimes take hours. And having sprinklers doesn't necessarily mean high water bills and a large energy consumption in the long run. You can turn on the water system only when the plants really need it and only for a few minutes, and then they will be watered and you can turn it off. Easy as that. If you really want, you can even invest into smart valves with automatic pressure control that won’t waste any water. It saves you time and energy to do more work in your garden, and it only uses a little bit of your electricity and water. If you use a private well, you won't even have to pay for the water anyway. 

Another way to save time and money is to shrink the size of your lawn or get rid of it altogether if you can. Lawns suck up a lot of time and energy without really contributing anything. You need to mow the lawn, which takes time and electricity or gas, spray it with weed killer, which takes more time and money and can often be harmful to you and the environment, and you need to fertilize it, which is more time and money. All this creates is a bed of grass that isn't even particularly beautiful. So instead of putting all that care into your lawn, take part of it and turn it into a garden for low-maintenance plants, like bleeding hearts or irises. In just about every environmental zone you can find plants that do not need more than water and annual touch-ups. Now mowing and spraying the lawn will take less time and you can save money in electricity bills and other gardening costs and have a much more attractive property at the same time. 

No matter how you look at it, going green is the best way to have a healthy garden with less work and in a cost-efficient manner.

August 30, 2015

Things To Bear In Mind Before You Sell A Property

Selling a property is never easy. You need to check on many things before selling a residential property or else you may land up in getting lower value or might end up in delays.

Property value

You are selling a house to make a great deal, right? So, in order to get the best deal, you need to first analyze how much the property is worth. Before putting your house on sale, you need to calculate the right value for it. There is no particular method to calculate the price of a property but, it can be determined by different factors like its size, location, amenities, maintenance costs and the latest market trends. You need to hire property brokers to check the value of other properties in your area and accordingly quote a price for your house. Make sure the broker you hire is genuine and has a respectable name in the market so that you can be assured that he will make a good deal for you.

Always make sure you have all the right documents related to the property before you put your house for sale. You never know when buyers would ask you for some document. Be sure to have the most important documents like the housing society share certificate and the sale/purchase deed to assure the buyers that the property is under your name and you have complete rights to sell it off. You must also keep previous deeds in hand if it was a resale property for you. Original copies of stamp duty, registered documents, NOC certificate, title clearance are all documents that you must have. The buyers might also sometimes ask you to produce the documents that confirm the floor plan, carpet area, built-up area, age of the building and transfer charges. So, keep all this handy.

What if you don't have complete documents?

You are required to update the required paperwork if your building is over 30 years old and doesn't have proper registration. You must pay off the outstanding stamp duty and file for a registration. Request for duplicate copies from concerned persons if you have misplaced an original. There are different procedures for procuring different misplaced original copies.

No Objection Certificate (NOC)

NOC is a very important document that is to be issued by the society before you put your property on sale. There are many rules of the society that are to be followed for buying and selling of a residential property. A clearance on mantainence and other charges needs to be given.

The government of India has prohibited cash transaction of more than Rs. 20,000 for immovable property as per the Budget 2015-16. Hence, you can either take all the payment in the form of DD or cheque, or if you do not want to opt for cashless payment, you can only take upto Rs. 20,000 in cash. So, keep this point in mind while signing up the deal.

The Income Tax Department considers a property sale as capital gain and hence, levies taxes on the same. You must know how much tax you will have to pay on the sale of your property. Check if you can get any exemption. For example, if you invest the money earned in government bonds or in another property, you can get tax exemption. This will let you analyze what actual profit you will get after selling your property.

If you are planning to sell of your property and settle down in the IT hub of India, you can get in touch with Adisesh Projects who provide luxurious villas in Hoskote near Bangalore. If you are interested in purchasing land rather than a built-up property, you can also check for spacious residential plots in Hoskote near Bangalore.

August 29, 2015

Why Kerala is a New Real Estate Sensation in India?

Property sector in India have attained substantial growth in spite of the liberalization in the economy. A rising demand intended for housing and retail has become noticed with all the continuous development of labor force and online business offerings in recent times. Real estate zone features a chain of backward and forward linkages with all the other sectors for instance housing and construction, and consequently, the market is said to be the important employment driver. Real estate contributes very much to India's GDP and is particularly a major way to obtain strength for the economy.

Indian real estate sector consist of four sub-sectors that happen to be the real estate, hospitality, retail and industrial, while real estate contributes very much to India's major domestic item. Property Sector has converted much with a dynamic and organized sector during the last few several years in India. Real estate consultancies and providers in India are now able to identify the need for commercial infrastructure development for making superior living standards for individuals in India. Moreover, the development of real estate in India is attributed mainly with a large population base, rising income level and rapid urbanization as well. The major real estate business in India is happening in Kerala. Kerala has become the New Real Estate Sensation in India

With the immediate boom in the Kerala real estate sector, changes are already noticed in the market. Considerable increase has become noticed recently in the demand for personal homes all along Kerala. Kerala real estate buying is now easy by making use of real estate brokers, consultancies and providers in the state. Due to the job migrations and consequently of globalization, the need for individual apartments in Kerala has become increased these days.

Real estate builders in Kerala scrutinize the capability of home buyer's long-term needs. Apartments and flats in Kerala are designed such that it provides new developments and modifications with new trends. Real estate in Kochi is fast growing with all the growing trends in the real estate property business. Real estate is really a profitable market for Keralites, specifically NRI's, who are generally dumping huge amount of cash every year in the state. They are interested with buying attributes in Kochi or other key cities.

According to the experts in real estate, the Native Kerala property marketplace is on the boom and people are looking for a growing number of real property investments these days in Kerala. Kerala people are highly educated and this develops the living standards of people in Kerala and it urges a development in real estate too as people is looking for individual apartments in Kerala. Taking all these into factor, real estate industry with Kerala is at the up rise and many people are attracted towards sector intended for continuous lasting investments.  And it makes Kerala the realness real estate sensation in India.  Because of these developments in Kerala, India is becoming one of the well known real estate centre in the world. Many foreigners area attracted to real estate in India especially to kerala.

Tips For Buying An Old House

Understandably, everyone who appreciates antiques has thought of living in an old house in one time or another. Its rustic charm, historical features and nostalgic appeal are reasons enough to fall in love with these ancient homes. If you are one of these vintage-loving individuals, you might want to settle on an old house, but should you? That is the question.

Some investors think of older homes as a money pit. Older homes are mainly considered as fixer-uppers. However, if you are 100% decided, here are some helpful tips.

The foundation

The majority of the ancient houses are built with good integrity such as concrete piers. Nonetheless, the integrity of the structure can be ruined by the so-called sulphate attack in concrete. Sulphate attack happens when the soil reacts chemically with the concrete. Soils naturally contain sulphate. This issue is both difficult and costly to address.

The technology

Old homes boast of custom and hand-crafted materials. These materials tend to be very durable and provide the house with long-lasting value, the very reason why the house still stands. The problem lies in the technologies used in heating, wiring and plumbing. Not to mention, windows and roofs installation. Old window models have poor insulating properties. Thus, refitting the house with new windows alone can be a costly undertaking.

The remodel

Older houses tend to be smaller in terms of floor plans, overfilling space is rather easy. If a house with open floor plans that can accommodate bedrooms, bathrooms and closets is what you have in mind, then you got to look elsewhere. Of course, you can always consider remodeling and expanding any given space inside the house, but this, too, will be a bit steep.

The finish

Before the late 1970s, lead paint was widely used in painting walls, floors, doors, windows, etc. However, not all old houses are painted with lead paint. If you want to make sure, you may purchase a lead detection kit. You need to ensure that you know how to use it otherwise you may hire a certified lead inspector. The services of an inspector may cost between $200 to $500, which means another item on your ever-growing list of expenses.

The insurance

Ancient homes need to be insured as well. The problem is older homes have more associated risks which mean higher insurance for you. There are very few insurance providers who will be willing to foot the bill, knowing that the architectural integrity of the house has diminished over time.

What you must do

Put simply, pursuing the purchase of an ancient home will be a toss between value and cost. Repairs and remodels will not create any returns on your investment. However, the improvements will definitely recapture 100% of the cost.

At the very least, you should acquire copies of previous inspection reports. If these are not sufficient, hire an inspector to look at the house as he or she can pinpoint the areas that may be compromised after buying the said house. You will have a bigger problem once you discover that the insurance company will not cover any of these areas.

Another important thing to do is to negotiate. Before you may do so, consider getting estimates for all the needed repairs. Possibly, the expenses could be subtracted from the house's total sale price although this will still depend on the negotiation.

If you are eying a house with a grade listing of its historical value, you might as well contact the historical society. The society provides strict regulations when it comes to restoration. Ask the realtor about this before signing the document. Remember to remodel some areas that need remodeling, but leave the historical appeal behind.

Finally, itemize all the major jobs, set up a basic budget framework (materials and labor) and time frames for each job. List the items in terms of which job must be done first. Then, squeeze the details including the aesthetics for each job. With this list alone, you would know if investing in an old house is worth it or not.

Author Bio:

Harry Neal is a blogger and a freelance writer. He writes about insurance, and different investments like condominiums in Bonifacio Global City in the Philippines.