Wooden Jewelry Boxes for Women

Although there are men who sport simple jewelry, they are mostly associated with women, most of whom have lots of them in their possession. Women have wide ranges of jewelry meant to match their many outfits and hence the need to have a good storage facility for all these precious things.

There are many types of jewelry boxes with the wooden ones being the most popular among women. This is because the boxes serve different purposes of jewelry keeping and are handmade making them look very natural and attractive. Most of the wooden boxes have animals and gods carved on the sides and edges and in some countries they are passed from one generation to the other making them very precious. Most people love the unfinished look that the boxes have since the carvings appear rough. Sandalwood is mostly used to make durable and hard boxes as it is hard and has a fragrance that is very pleasant.

When looking for a box to put your jewelry, it is important to go for quality ones rather than decorated ones that may not last as long as you would wish them to. Wooden boxes last amazingly long giving you all the service you require. Some come with small drawers which help you organize your jewelry just the same way you do with clothes. You can separate your precious little things just the way you want to make it easier to get what you want when you want.

The wooden boxes come in various sizes, making it very easy for you to choose the right size for your jewelry according to their volume and the amount of space you want the box to occupy. You can choose from teak, mahogany, burl wood and oak and you can choose them according to your décor likings. There are sizes that are as big as dressers and have cabinet doors and drawers although with this size, the name box does not apply as they are considered furniture.

A box that has drawers is easy to arrange as you can separate your bracelets, rings, earrings and necklaces making it easy to get what you are looking for. The boxes are not hard to find as almost all department stores have them and so does the stores dealing with jewelry. It is important to get quality boxes which will give you credible service at fair prices.

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Five Reasons to Schedule an Air Duct Cleaning Appointment

Many homeowners know the importance of maintaining their home. They repaint the siding, repair broken appliances, and keep the indoors clear of dust and debris. However, most homeowners do not pay attention to the parts of their home that they cannot see. Air duct cleaning is one of the most commonly neglected aspects of home maintenance, but having the service performed at least once per year has many benefits.

Gets Rid of Strange and Stale Smells

The inside of a home is full of interesting scents. Housework products, pet odors, and even food preparation can affect the smell of the home. Since air is circulated through the ducts, these smells often get trapped in the buildup of debris. Any time the HVAC system kicks on, the debris is disturbed and in turn sends the stale scents out into the room. Routine maintenance and care will help reduce buildup and keep musty smells to a minimum.

Makes the HVAC More Effective

The more dust and grime inside the system, the more obstacles the HVAC’s flow encounters. Significant amounts of buildup can block the flow of the entire system, making it harder to maintain an ideal temperature in the home. Clearing debris allows the HVAC system to flow freely from room to room. A dirty system often leads to higher electric bills. Regular cleaning may end up saving homeowners money on a monthly basis.

Clears Out Mold

Moisture buildup is a common problem for many homes with a central HVAC system. When moisture collects in the ductwork, it sets up the perfect environment for mold growth. Routine cleaning will keep mold spores from settling into the system and may improve the quality of the interior of the home.

Reduces Risk of Allergens

Any homeowner suffering from allergies, asthma, or respiratory conditions knows the importance of reducing allergens inside the home. Any time the HVAC turns on, the air is exposed to anything collecting inside the ducts, and allergens like pollen, pet dander, mold spores, and even mildew can all lead to an increase in sneezing fits, runny noses, and eye irritation. Regular air duct cleaning will take care of allergen buildup, so the HVAC maintains a clean, temperature-controlled home.

Makes Dusting Easy

Any time the HVAC turns on, loose dust and debris inside the ducts go flying. This debris then settles on furniture, gets embedded in carpet and upholstery, and makes keeping a home tidy difficult at best. Professional air duct cleaning may reduce the amount of dusting needed to keep a home looking tidy and spotless.

Keeping a home in good condition requires more than simply repairing easy-to-spot damage-homeowners must maintain the unseen parts of the home. Hire a professional who is experienced in HVAC work to ensure that the system can operate at its best. Schedule an appointment and see the difference it can make.

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Who Is Responsible for the Mortgage After A Quit Claim Deed Is Signed?

Before a divorce can be final in California, couples are required by the court to equally divide all community property, such as bank accounts, personal vehicles, furniture, retirement accounts, pension plans, etc., as well as debts, such as mortgages, car loans and credit card debts, Under California law, separate property debts and assets (usually acquired before or after the marriage) are assigned to the spouse responsible for them. Community property assets and debts must be divided equitably between both spouses. That applies to any real estate or personal property, including the family home, acquired during the length of the marriage. During the divorce, the family home can either be sold, or kept by one of the spouses. Usually, the spouse who agrees to keep the family home will be required to financially compensate the other spouse by “buying out” their share of the house, or relinquish other personal property of equal value.

The spouse who wants to keep the family home will also ask the other spouse to sign a Quit Claim Deed. This removes one spouse’s name from the property title and gives full ownership to the spouse keeping the home regardless of a mortgage or lien. If the house is sold later on, only the spouse whose name is on the home title will be entitled to any proceeds, even if the home’s equity accrued after the divorce. It is very important to realize that, while a Quit Claim deed strips a spouse from all rights of ownership, it does not absolve his/her responsibility for the mortgage. As long as that spouse’s name is still on the mortgage papers, he/she may still be responsible for making loan payments. If the other spouse stops making mortgage payments after the divorce, the mortgage company can take legal action against anyone named on the joint mortgage. That is the reason why the judge normally requests the spouse keeping the family home to refinance the mortgage and remove the other spouse’s name from the loan. As an alternative the spouse keeping the property will provide a “hold harmless” clause in the Marital Settlement Agreement assuring the party relinquishing title that they will “protect” the transferor from any liability should the purchaser fall behind on payments.

Additionally, if the mortgage was in arrears before the Quit Claim Deed was signed, both spouses are responsible for the debt. This means that the spouse who relinquishes the family home will have to settle the debt with the mortgage company before the joint mortgage can be refinanced as a single mortgage. As for property taxes, once a spouse signs a Quit Claim Deed and does not own the house anymore, he/she will not be responsible for any new tax debt accrued after the Quit Claim Deed was signed. However, he/she can still be held responsible for any taxes that were due at the time the deed was signed. This is why it is best to pay off any outstanding debt, such as taxes, at the time the Quit Claim Deed is signed.

Dividing community property during a divorce can be complex and overwhelming for many couples. For much less than the cost of litigation, an experienced divorce mediator can help spouses divide community property and debt fairly and equitably, and solve any other issues, such as child custody, child support, and spousal support.

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Marriage: Maintaining an Age Long Institution

Marriage is the union of 2 persons who decided to spend the rest of their lives together from a certain point of time; or at least, that was what it was supposed to be. Nowadays, marriages are so fragile and can be dismantled like furniture.
The real joy that one should derive from marriage is rarely experienced for long, if it were experienced on the onset usually. Somehow, after the honeymoon period, married couples seem to lack the joy in their marriages, but many marriages can be saved and last if one chooses to make it work.

Marriage can be said to be the world’s oldest institution recognizing the coming together of two people in union for the purpose of procreation and companionship. Though there are variations in marriages all over the world, it does carry similar connotations around the world such as a union between a man and a woman, procreation, companionship, responsibility to care, provide and fend for the family members.

Types of Marriages
There are many types of marriages in the different societies of the world today. There is exogamy which occurs outside the normal or preferred class, race, religion or caste system, and endogamy which occurs within the expected group or category such as race, religion and culture.

Marriages can be monogamous, polygamous, polygynous, polyandrous, inter caste, arranged or hyper-gamy. Of course, love marriages occur more frequently with the liberalization of societies where people prefer to select their own partner. No matter what type of marriage one may be in, it is not a bed of roses as one might assume.

Working on the marriage
Hence, marriage is to be worked at in order for it to be successful. It is a relationship between the 2 persons who are committed to each other’s happiness. Simple actions and a kind word can boost up its health barometer such as taking out the garbage on your own initiative, buying a special lingerie for her birthday, flowers and chocolates of her liking, a pleasant surprise, some intimate moments together, communicating patiently, loving the crazy ideas and behavior, able to view partner’s faults with a twinkle in the eye and forbearing with each other’s idiosyncrasies.

It is quite normal for a marriage to start off well, but as the years go by, the sparks tend to fizzle out. Hence, one must learn to work on it to keep the sparks constant as with any fire analogy. When one or the other party in slacks at working on it, it is headed for trouble. But there are many simple alternatives to spice up like a romantic dinner or a special night just for the two of you.

Intimacy
Intimacy between two persons is crucial to the health of the marriage. Intimacy is not all about sex; there are times when both parties need a change to bring a new spark. Donning seductive lingerie can bring on new excitement to your spouse and spice up the marriage. Sexy lingerie can induce passion and move it off the rocky road to safer paths.

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High IQ And The Thirst For Knowledge

Einstein once said that curiosity was his friend and his memory was a faithful servant. Okay so, what’s more important; the question or the answer? Well, my friend I will submit to you, it depends on who you ask. For if the person you ask is you, then the question is more important, because the simple asking of a question sends you on a journey to seek out the answer and discover new things, for which more questions emerge. This is how an active high IQ mind works. Let’s talk shall we?

You see, this topic came up a couple of years ago at our think tank, and Mark who is a genius in his own right told me; “I have no idea why my mind wants to have all this information. I’ve always been curious my whole life but I never thought that just a simple trip outside would require so much thought.”

It doesn’t ‘require’ so much thought, but his mind enjoys the process, so it just runs away with it. Nothing wrong with taking curiosity and coupling it with imagination – plus belief, creating a world within a world, hey did you see the movie “Limitless” and “Inception” kind of reminds me of all that, with a little “Matrix” in the mix – pretty cool.

To my reader so you can follow along, here is some advice to get into the curiosity mode. You might try this; pick up package, read the ingredients then try to back imagine the supply chain, from the crops in the field, to the tractors used, to the rubber, steel, and hydraulic systems on it, to who made them, where did the come from, to the iron ore mines, to the rubber vulcanization plant, to the GPS maker running the electronic hardware inside the combine harvesting the wheat, to the seeds, the labs designing the seeds, to the BMW the guy in the lab drives, to his home, his college aged kids, their friends, and their family, to the lady standing next to you. How many degrees of separation is she, are you, from that product you are holding in your hands?

That’s what I do. I look at people and put together their life stories, guess their profession, what brought them there, what they are thinking, based on body language, facial expressions, clothes, shoes, etc. It is amazing how good you can get at this, and what if you went into their life a little more, asked them questions and found out you were dead on in your estimation? It happens to me all the time.

Try this too on your next walk, look at a commercial building imagine the inside, layout, furniture. How accurate do you think your projections are of the room, lighting, temperature, air flow, furniture of those rooms, buildings, businesses are as you walk down the street? You might be surprised how close your estimates are. Maybe there is a possibility to ride a brain wave onto the photons flowing through the window? Next, enter the building see how close your predictions are, hone your skills, and refine your predictions and probability judgments in your mind, it will be easy to remember when you were wrong and when you were right.

Try it, you will be amazed – curiosity is a wonderful attribute for a high IQ, fast processing mind.

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Six Ways Replacement Windows Can Improve a Home

When it comes to improving the look of a house or upgrading the interior, many people automatically leap to the assumption that renovating the kitchen is the best option. While an energy-efficient refrigerator may make a significant impact in the kitchen, installing replacement windows throughout the home is an easy way to improve every room.

Increase Curb Appeal

Old windows are associated with rotting wood, peeling paint, and out-dated designs. Replacing old options with new models will instantly improve the look of a home’s exterior. Rather than peeling paint and warped windowsills, people walking by will see solid trim and sills in the style that best suits the house.

Keep Interiors Looking Nice

Older windows are often made of single panes of glass. While these options do provide some protection from the elements, they often let harmful UV rays into the room, damaging furniture and artwork. New panes are made of double-pane glass and feature enhanced sun protection. Furniture, rugs, and artwork will face less damage from the sun once replacement windows are installed.

Leave the Weather Outside

Older single-pane models allow the temperature outside to influence the inside of a home. These models are often thin and, over time, the glass can shift out of the trim. Once the panes shift, drafts of air enter the room, making it harder to keep each area at an ideal temperature. Most double-pane versions provide more insulation, keeping the temperatures comfortable.

Lower Energy Bills

Since replacement windows keep each room at a more comfortable temperature, they also help lower energy bills. When old panes let in cold or hot air from outside, they force the building’s HVAC system to work harder throughout the day. Because new models have higher levels of insulation, they’ll keep each room closer to the ideal temperature without forcing the HVAC system to work harder.

Reduce Noise Pollution

New double-pane glass also reduces the amount of noise contamination from outside. High-traffic areas can be especially loud, and replacing single-pane options with new, higher quality glass will reduce the amount of noise that intrudes from outside. This can be particularly useful if the house is located near a highway. Similarly, the updated models will keep any noise inside the building from bothering neighbors; for homeowners who are frequent party hosts, this can be a huge asset.

Change the Style

Old windows do not always reflect the current style of the building. The trim may be antiquated and warrant replacement or repainting. The glass may be divided into small panes where a single sheet might look better. Adding new windowsills and frames will give the homeowner a chance to examine the style of the home and make the changes they see fit without an extensive remodel.

New double-pane glass can make all the difference in a home’s exterior while also helping transform the interior into the space it needs to be. Rather than settling on old, single-pane units, consider the value and benefits of new residential windows today.

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The Force Driving the Next Bull Market

One of my father’s goals was to own a house. He’d lost his mother when he was 3 years old and his father when he was 20. Since then, he had been out on his own… renting or staying with whomever would take him in.

In India, owning a house means you belong to a place. The first thing my father did when he started to earn enough money was to build a house.

This feeling of belonging through owning a home is part of American culture as well. Every U.S. generation, when it reaches its peak earning years, follows through on this feeling.

But homeownership is at a 50-year low because of the real estate bubble in the late 2000s and the economic hardship from the financial crisis in 2008.

However, there’s a secret force – people now in their prime earning years – that will change this. And I believe it’s going to make stocks related to home buying and real estate soar.

That group is the millennial generation – which is bigger than the baby-boomer generation with 92 million members. The oldest of the millennials turned 34 in 2016, which marks the point when people begin their years of maximum earning power.

And like every other generation, millennials will spend their money on cars, food, entertainment, etc.

But one of the biggest purchases they can make – one that will have a huge impact on the overall economy – is to buy a home. In fact, online real estate firm Zillow says that millennials account for 48% of all homes purchased today.

That’s why U.S. housing starts in October climbed 25.5% – the highest reading since August 2007 and the largest increase since July 1982.

Playing the Housing Boom

I believe that betting on millennials buying housing is like shooting fish in a barrel right now. That’s why I’ve been telling you to buy the iShares U.S. Home Construction ETF (NYSE Arca: ITB) in my articles since February.

The exchange-traded fund (ETF) owns all the big homebuilders such as Lennar and Toll Brothers, as well as shares of retailers Home Depot and Lowe’s, paint company Sherwin-Williams, furniture company Ethan Allen and many others that benefit from increasing home sales.

Now, if you’d bought this ETF when I first recommended it on February 18, you’d already be up 22% – ahead of the broad market’s gains of 18% over the same time period.

As strong as the performance of this ETF is right now, many housing-related stocks have done far better. For example, a small-cap home building company Hovnanian (NYSE: HOV) is up nearly 100% in the last two months.

USG Corporation (NYSE: USG) is another small company that dominates the drywall industry in the U.S. Its shares are up 36% in the last two months. (Note that Warren Buffett’s company Berkshire Hathaway owns 27% of USG.)

The Next Bull Market

Now, I believe that you’ll beat the bull market by buying the Home Construction ETF I’ve been telling you to buy.

However, if you want to make life-changing gains that can give you financial freedom, you have to find stocks with the potential to go up 300%, 500%, 1,000% or even more.

That may seem unimaginable today, but just remember that the last time we had a massive generation coming of age was 1982 with the baby boomers. That generation created a bull market that lasted until 2000… and generated winners such as Cisco Systems that went up by 40,000%.

I believe the millennials bull market is going to be bigger… and there are going to be astonishing winners just like Cisco coming in the years ahead.

Paul Mampilly joined The Sovereign Investor Daily in 2016, and serves as Senior Editor specializing in helping Main Street Americans find wealth in growth investing, technology, small-cap stocks and special opportunities.

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Living In A Shoebox Unit

Since the year 2011, Shoebox units have grabbed the spotlight in the real estate market. This has been noticed especially in countries that see a large population influx and are faced with the dilemma of accommodating a surging population while the availability of property at hand remains the same.

Shoebox units – What are they?

Shoebox units, also nicknamed “Mickey Mouse” apartments, are compact structures. In most cases, they are not larger than 500sq.ft. A boxy appearance is a distinctive feature of shoebox units. This is because of the rectilinear and orthogonal shapes they are designed and constructed in. They also feature a horizontal arrangement of windows, while others have wall-to-wall and ceiling-to-floor glass doors. They closely resemble dingbat apartments. The cost per square foot is generally higher than other apartments. However, if you calculate the overall cost you would pay for a larger apartment it works out to quite less; it comes at a very affordable price.

In constructing shoebox units, functionality is given more importance than the aesthetic appeal. They were designed to be practical housing options. This does not however mean that they do not look good or lack the luxuries of a condominium. Shoebox apartments have space constraints, but they are fully-equipped with facilities one expects at a condominium. For a monthly or annual maintenance charge, you can enjoy high-end luxuries such as swimming pool, Jacuzzi, gym etc.

Shoe box units are a popular choice with young couples and singles that do not have a budget to spend on larger residential spaces. Expatriates coming into the region also prefer this residential option given their temporary stay. They are also great for smaller families – nuclear families – that don’t have too many children. One might need to consider other alternatives, if one has pets. It works out to being a budget-friendly and decent place to stay for students and young professionals too.

How do you gain?

· From an investor’s point of view, the rental yields are good. You stand to gain more if you own a shoebox unit in the central regions than in the suburban areas.

· A smaller space means lower maintenance requirements, which is a must have for singles and couples who have long working hours and little time to invest in household chores.

· It also offers an opportunity to possess property at a lower demand of upfront cash in cities with an extremely high standard of living.

Maximizing space in your shoebox unit

In a shoebox unit, space is limited; one cannot deny it. But there are a few tips you can use to stretch the space at your disposal.

· Declutter. Get rid of all those things – pots, pans, clothing, and furniture – that are not really essential and take up unnecessary space.

· Using foldable furniture designs that can double up in their utility and functions is another smart space saving tip.

· Built in storage can really help you expand your living space. Try to fit a few shelves and racks above the door or create lofts to tuck in some of your belongings.

· Go for downsized appliances like a refrigerator that fits under the counter.

· Make your closet doors as potential storage places by hanging stuff behind it.

So, if you are wondering whether a shoe box unit will be worth your investment, it is definitely going to be.

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Custom Built Homes Underground – Pros and Cons

When mentioning building an underground home many people do not like the idea but this is not a new idea. In times past settlers live in underground homes called soddys but today’s underground homes are much more modern. Once you look at the pros and cons, you may find yourself changing your mind and considering custom built homes underground. There are several types of underground homes, which include:

• Artificial dugouts/cave houses-these are built by drilling a cavity into the earth
• Culver -these are made of concrete pipes, which are prefabricated, before they are placed into an excavated pit.
• Earth berm-this underground home are covered from three sides by earth being placed on them
• Elevational-this type is built on the side of a hill.

Pros of custom built homes underground

• An underground home has the potential to tap into the Earth’s cooling and heating power so you do not need artificial cooling or heating techniques.
• Gives you a safe refuge from extreme weather conditions like tornados, hailstorms, or hurricanes
• The home has a nice quite living space with privacy due to the natural soundproofing from the Earth that surrounds it.
• Soil is a natural insulator so it will be cool in the summer and warm in the winter.
• The energy costs can be reduced because of the constant temperature of the home. It can cost 80-95% less to cool and heat.
• They are environmentally friendly
• It gives you a feeling of being close to nature.
• Very fireproof since 90% is made from concrete
• Well protected from earthquakes
• Construction is faster and the costs to built it are reduce since you do not have to lay a foundation
• Easier to get insurance at a cheaper rate
• Requires little to no exterior maintenance
• The custom built homes underground are built from strong materials like concrete making them durable and strong.
• Due to fewer openings into the home it offers less opportunities for insects to enter
• Safer from thieves and robbers because there is only one side to protect

Cons of custom built homes underground

• May be a psychological adjustment when moving from an aboveground to an underground home
• Require careful planning because they are unconventional
• They cannot be built in an area that is flood-prone.
• You may have trouble selling them if you decide to relocate
• It is a challenge to fit square appliances and furniture that was designed for straight walls
• Construction requires complex ventilation procedures
• It can be a challenge to get a mortgage to have custom built homes underground constructed
• They can be quite dark inside since they are underground

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Four DIY Ways to Make a BBQ Grill

Cooking food outdoors can be a great way to enjoy your backyard patio and unwind after work. There are many different types of BBQ grill available at stores, but you can also build your own. Consider these DIY options for a fun weekend project.

Bricks

If you can dedicate a small open space in the yard, a small brick structure can be a great place to smoke and grill meats for family and friends. A brick structure can be much larger than conventional, store-bought alternatives. Of course, it will be a permanent installation that can’t be moved out of the way or relocated to your next home. Bricklaying is also a highly technical skill to develop, but this could be a good beginner project if you are interested in developing the skill.

Used Oil Drum

50-gallon drums are easy to find in most parts of the country. With a little bit of welding knowledge, you can make a professional quality barbecue setup. Most people cut a hatch, attach hinges, and add legs to keep the whole thing from tipping over. This project may not be a good idea if you don’t have any welding experience or equipment. By the time you add up the costs of welding gear and the value of your own time, it may be cheaper just to buy a ready-to-use cooking unit.

Wheel Rim

If you only need to cook for a couple of people, and if you don’t want to invest a lot of time or money, a wheel rim can be used as a BBQ grill. If you are renting an apartment and only have a small amount of space, this idea doesn’t take up much room. You’ll just need a wheel rim and a metal grid to lie over the top. A small amount of charcoal goes into the concave below the grid. In many third world countries, these devices are one of the most common ways to cook plantains, fish, and other local staples.

Patio Furniture

When people are looking to repurpose metal grids for cooking, the patio furniture often comes to mind. In theory, some types of chairs and tables could be used over an open flame as a barbecue surface. Most of the time, this is a terrible idea. Outdoor furniture often has paint and other chemical substances to prevent rust and corrosion. Heating these metals over a fire could contaminate the burger patties and other food you intend to prepare and serve. If you can sandblast the furniture until it is raw metal, then it can be made safe for use as a BBQ grill. Unfortunately, it’s very difficult to ensure that every side of every surface is safe, and some chemicals can be carcinogenic or toxic in food.

Ultimately, buying a new BBQ is the easiest way to get into grilling. These DIY ideas are great projects for people looking to express their creativity and develop skills like welding or bricklaying. Weekend projects like these, however, are best if you enjoy the project itself. For barbecues with more precise controls, it’s best to get one made by a professional.

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