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Apache is functioning normally

This reader story come from SB, a regular reader and commenter on GRS. SB writes about personal finance and personal development topics at One Cent at a Time.

Some reader stories contain general advice; others are examples of how a GRS reader achieved financial success or failure. These stories feature folks with all levels of financial maturity and income. 

This is my second guest post at this blog. I am grateful to J.D. and his team’s humble gesture in allowing me to do it. I hope to provide the same value regular writers of this blog provide to you.

My grandmother was nearly illiterate, born and reared in rural India during the British occupation of the country. At the age of 14, she was abducted by the British army (later released), which ultimately caused her to marry early at the age of 16. She couldn’t complete school beyond basic education. Still, she became a very wise woman and mastered many skills.

My aunt happened to write down some of my grandmother’s home-remedy techniques from her narration. Recently, my cousin forwarded me a soft copy of that compilation. I’ll mention a few common symptoms and their natural cures, all at a fraction of the cost of medicine. But before that, let me tell you why I find home-based cures so beneficial.

The Benefits of Home Remedies

  • Drugs contain unnatural substances and chemicals, which are foreign elements to our body.  Natural remedies, on the other hand, are not synthetic molecules like drugs; they are made of living organisms which we eat anyway.
  • Some drugs act as a manipulator and force the brain to think differently — an example is an anti-depressant. The problem with this is, the moment you stop taking the drug, the symptoms often recur.
  • Natural remedies have fewer side effects compared to prescription drugs, as drugs tend to alter the chemical and hormonal balance of our body.
  • Natural remedies are available at a fraction of the cost of prescription drugs. Your grocery bill will cover them.

The Benefits of Prescription Drugs

It is important to remember that most drugs are developed by studying the natural cures and identifying ingredients which actually affect the symptoms. Still, prescription drugs are more useful under most circumstances. They work faster. We can’t afford to be bedridden for days and hope for natural cures to work someday. Life is tough and we must get well sooner.

We don’t have time to be sick. Prescription drugs provide the quickest recovery. They start fighting the bacteria and antibodies as soon as we take them. You may argue that we take chemically altered substances every day, be it the milk or the apple, or even the chicken. They have pesticides, growth hormones and God knows what.

An Introduction to Home Remedies

My grandmother was raised in a 100 percent organic environment. With near zero pollution, she ate healthy, farm-harvested food. Since childhood, I took medicines almost for any illness; rarely was I given a natural cure, except honey and basil leaves for a cold. Our bodies are used to chemicals anyway; therefore, natural remedies may not work the way they worked for our grandparents. Still, there is no harm in detoxifying our bodies to the extent we can, over time. My grandmother’s advice may help to  accomplish that goal.

Here are some excerpts from the treasure I was handed recently.

Acidity: Acidity is caused by excess acid secretion from the gastric gland, the acid which is used for digestion.

  • Chew a piece of clove, and take some time to swallow. It provides instant relief.
  • Another immediate relief is to eat a small cup of yogurt.
  • For more sustainable relief, drink warm water every day early in the morning.
  • Drink coconut water regularly.
  • Mix a few drops of honey in water to drink.
  • If you know what a jaggery is, suck a small cube of it after lunch/dinner.
  • A glass of water with a teaspoon of soda can also provide immediate cure.
  • A couple of pieces of dates can also give you instant relief.

Backache: If you happen to work in a chair, you may have this symptom already. As a software professional, I have had backaches for the last few years. The natural cure is garlic. Eat a couple of cloves of garlic every day.

  • Prepare an ointment by frying a few cloves of garlic in olive oil, strain and let it cool. Apply to your back every day.
  • Indian masala tea can be a cure too — the one with cloves or ginger. Take it daily. (Two cups of masala tea can boost your energy as well, which is a low-cost replacement of Red Bull or 5-Hour Energy drinks.)
  • Eating oranges, lemons and berries can reduce the pain over time.
  • Drinking water with a tablespoon of honey can make your day pain-free as well.

Cough and cold: When allergens or viral infections cause an inflammation in the upper respiratory tract, we get cough and cold. Here is a less-costly alternative to Tylenol or Excedrin. (This is a remedy I learned in childhood: My mother used to give me a teaspoon of honey and a few basil leaves  –Indian Tulsi — to chew. To get instant relief from congestion of nasal passages, she used to heat water with some cloves, cardamoms and cinnamon sticks and peppercorns.)

  • A soup with a lot of garlic in it can also bring relief.
  • Cut okra into small pieces and boil it, inhale the steam to get relief as well.
  • Take a hot-water bath when you catch a cold.

Migraine: This is caused by a contraction of blood vessels in the head. It can be caused by stress, lack of sleep, anxiety, nicotine and alcohol consumption.

  • Concentrated grape juice can bring relief.
  • For a more sustainable remedy, put tomatoes and cabbage into your daily salad.
  • A daily dose of garlic can treat this symptom as well.
  • Grind cabbage leaves and apply to the affected area for relief.
  • When migraines occur, excuse yourself from work. Find a dark room and lie down. Exposure to sunlight may cause the migraine to intensify.
  • Per my grandmother, even if the migraine is in the back of your head, applying sandalwood powder on the forehead can cause blood vessels to function properly. You may have seen Indian religious workers applying a patch of sandalwood powder on the forehead throughout the day. It’s an age-old practice.

Snoring: I am afflicted with this disease for sure. My wife says I am the worst offender and she can’t sleep because of my snoring, so I have started following these tactics already.

  • Stop smoking. Smoking causes more mucus formation around the throat.
  • Go to the gym. Weight loss can even end snoring.
  • Alcohol increases snoring. (When you drink, you’d better sleep in a separate room!)
  • Sleep side-wise rather than on your back.
  • Avoid heavy meals before going to bed.
  • Stop eating oily/spicy foods at dinner.
  • Maintain a regular sleep schedule, and don’t sleep during the day.
  • Wash the bed sheets and pillow covers frequently, and even change your pillow after a few months. The dust and allergens can accumulate on them, causing nasal passage blocks.

Stress: It’s amazing that stress was a concern even 60 years ago in a rural village. Here is her wisdom, which may reduce stress because you’re saving money. But more than the money saved, the main point here is reducing the dependence on synthetic drugs.

  • Chewing Indian basil (Tulsi) leaves every day is the best natural cure.
  • Yoga and Dhyana (meditation) can also cure this.
  • Milk and almonds in the morning keep you fresh and energetic.
  • Bad eating, oily foods, eating meals quickly, and drinking alcohol may cause depression over time. One of her tips to cure stress is to “love everybody and everything”!
  • Applying betel leaves on your forehead can ease your tension.

A few ingredients which are repeated here (and in the rest of the natural cures my grandmother used but which I don’t mention here) are mint, honey, water and garlic. Have sufficient supply of these items at your home, if you plan to follow the tips.

Also, another synergy I can see here is the morning drinking and eating habits. If you start your day the right way, the rest of your day should follow that lead and keep you upbeat.

Readers, even if you rely on these natural remedies, when the situation warrants it, there’s no alternative to a doctor and the prescription medicine. You need to know when to rely on home remedies and when to go to a doctor. Don’t ignore your doctor for a bit.

Source: getrichslowly.org

Apache is functioning normally

Below is a list of acceptable VA energy efficient improvements according to the VA Loan Handbook. Qualified applicants can roll the cost of the improvements into your new loan up to a maximum amount of $6000.

<span data-sheets-value="{"1":2,"2":""" Check your VA home buying eligibility. Start here (May 7th, 2023)

VA acceptable energy efficiency improvements are:

  • Solar heating systems, including solar systems for heating water for domestic use
  • Solar heating and cooling systems
  • Caulking and weather-stripping
  • Furnace efficiency modifications limited to replacement burners, boilers, or furnaces designed to reduce the firing rate or to achieve a reduction in the amount of fuel consumed as a result of increased combustion efficiency, devices for modifying flue openings which will increase the efficiency of the heating system, and electrical or mechanical furnace ignition systems which replace standing gas pilot lights.
  • Clock thermostats
  • New or additional ceiling, attic, wall, and floor insulation
  • Water heater insulation
  • Storm windows and/or doors, including thermal windows and/or doors
  • Heat pumps
  • Vapor barriers

You can increase your loan amount up to $6000 for energy efficiency improvements. You will need to provide the following additional documentation to have the cost of these improvements rolled into your loan amount:

If improvements total $0 – $3000

  • A copy of a contractor bid or quote itemizing the improvements and the cost. The quote must list the model number or name of the items to be installed and the bid must be signed and dated by both the contractor and the borrowers.
  • A manufacturer brochure or flyer for each of the item(s) you are installing. The brochure or flyer must state the item’s model number or name. The model number/name must match up with the model number/name listed on your bid/quote.

If improvements total $3000 – $6000

  • A copy of a contractor bid or quote itemizing the improvements and the cost. The quote must list the model number or name of the items to be installed and the bid must be signed and dated by both the contractor and the borrowers.
  • A manufacturer brochure or flyer for each of the item(s) you are installing. The brochure or flyer must state the item’s model number or name. The model number/name must match up with the model number/name listed on your bid/quote.
  • An energy audit performed by your utility company or another 3rd party. The energy audit needs to show what your current monthly average utility cost are for the last year.

Upon closing, the funds added to your loan amount for the energy efficient improvements will be held in an escrow account until your improvements are completed. Upon completion of the improvements, an inspection is done to verify completion and the funds will then be released.

<span data-sheets-value="{"1":2,"2":""" Check your VA mortgage rates. Start here (May 7th, 2023)

Source: militaryvaloan.com

Apache is functioning normally

After a years-long stretch of low interest rates, it’s hard to let go, but some homebuyers have figured out they don’t have to. Instead of selling one home, where their mortgage has an interest rate around 3%, so they can buy another one with a rate above 6%, they’re opting to hang onto the old address and rent it out.

“People who are hesitant to close out that 3% mortgage see that rents are going through the roof, and they see a possibility to make some money” on the spread between the mortgage payment and the monthly rent, said John Irwin, a Baird & Warner agent.

“We have a unique opportunity right now for people to hang onto their tiny, tiny interest rate and their equity,” said Carmen Rodriguez, a Coldwell Banker agent. It’s fueled by the fact that “we have a lot of people renting because they can’t afford to buy at the higher rates,” which creates demand for the homes their former occupants don’t want to cut loose.

Irwin said three of his clients went this route in recent months. They were all people who could afford to buy the next home without pulling all their equity out of the last one for a down payment, which is the primary obstacle lying in the path of using this strategy, Irwin said.

There’s no data available on how many people have done the same, but in gathering information for this story, Crain’s learned of 16 recent Chicago-area deals that involved renting the old place. It’s admittedly a small number, but every agent interviewed said the strategy is catching on.

“It’s their opportunity to add real estate to diversify their investment portfolio,” said Jessica Coulson, a Compass agent. “They might not have been expecting to.”

Earlier this month, a pair of Coulson’s clients bought a house in Northbrook and rented out their two-bedroom West Town condo. The two properties are about 22 miles apart, and their mortgage rates are more than 2.5 percentage points apart. Coulson did not disclose her clients’ personal financial details, but said the condo rented quickly at a number that will be profitable for them.

In November, Bekah and Dan Carlson moved from an Andersonville two-flat where their mortgage, taken out in 2015, was at 3.75%. They bought a few blocks away in Ravenswood, at 6.5%.

Since 2015, it had been their goal to keep the two-flat after eventually moving, Dan Carlson said, and preserving the low payment that the two-flat’s mortgage has was a key part of making it work. But with home prices rising quickly last year, it looked like they might have to offload the two-flat in order to have enough cash for a purchase.

“If it had come down to leaving the neighborhood or selling the two-flat, we’d have sold the two-flat,” Carlson said. Ultimately, they were able to make the purchase and keep the two-flat, which “is a good source of extra income, a good use of our money,” he said.

There can be reasons other than money to take this route, Rodriguez said. Her client who has a child with specific needs at school is moving to a school district that suits those needs, but hopes to move back to the house she loves after the child finishes school.

The combination of a sweet mortgage rate and a hot rental market meant “she can hold onto it until she’s ready to move back,” Rodriguez said.

Besides needing the equity from one home to afford buying the next one, many people wouldn’t want to rent out the old address for a simple reason: They don’t want to be landlords.

Coulson said she suggested the rental plan to a pair of physicians who have a very low mortgage rate, but they said with busy jobs and little kids, “they weren’t interested in being property managers. They wanted to focus on their own home.”

It’s not only the unwillingness to take 2 a.m. calls about a broken furnace, Irwin said, but “there’s always the possibility that the renter might not take care of the home like you do, and when you go to sell that (home), the wear and tear may cost you.”

One big obstacle for people who need a mortgage on the new home is that without a history of rental income, the old property might get in the way of obtaining a mortgage for the new property, according to Jim Tausche, senior vice president of residential lending at Draper & Kramer Mortgage.

Despite the heat in the rental market, there’s no guarantee that the old property will land renters or that rental income won’t be interrupted by vacancy or by renters failing to pay.

Tausche said mortgage lenders would likely examine all the details of each scenario individually, making it as important as ever to talk to a mortgage broker before going house hunting.

If the property is a condo, it’s also important to check whether the homeowners association limits the number of rentals in the building.

Source: chicagobusiness.com

Apache is functioning normally

Posted on: July 26, 2022

Plenty of eligible homebuyers don’t know what the VA loan is, which is unfortunate because this is one of the best home loan products available.

A lender who specializes in VA loans will be able to help you evaluate how a VA loan fits your specific situation, but here we’ve tackled the most common VA loan questions and answers.

Check today’s VA rates (May 6th, 2023)

Who is eligible for VA loans?

Most veterans and active duty service members are eligible. However, all veterans, active-duty service members and National Guard members must meet certain requirements.

To be eligible, you must have met at least one of the following:

  • Served 90 consecutive days during wartime
  • Served 181 days during peacetime
  • Have more than six years of service with the National Guard or Reserves

Also, VA loans are available to the surviving spouses of military members who died in the line of duty.

How is a VA loan different from conventional or FHA loans?

For one, the VA loan is guaranteed by the Department of Veterans Affairs. This is similar to FHA loans which are backed by another government organization. Conventional loans aren’t backed by anyone.

Another difference (and it’s a big one) is VA mortgage rates tend to be much lower than both FHA and conventional rates. In October of 2019, 30-year fixed-rate VA loans closed with an average interest rate of 3.68%, as compared to 3.94% and 3.98% for FHA and conventional, respectively.

How much can I borrow with a VA loan?

Previously, the VA loan program required borrowers to make a down payment on any loan that exceeded conventional loan limits.

But not anymore.

As of January 1, 2020, borrowers who are eligible for mortgage loans can get any size loan with no down payment. There are no official limits.

But remember, you’ll still have to qualify for the mortgage.

If you’re looking for an extra-large VA loan with no down payment, make sure you have a solid income and excellent credit score.

What credit score do I need to qualify?

Technically, there is no minimum credit score to qualify for VA loans. However, most mortgage lenders will want to see a credit score of at least 620 before approving the mortgage. In some cases, VA home buyers can get approved with scores below 620.

Do I need to make a down payment?

One of the biggest benefits of the VA loan is no down payment is required. The VA guarantees the mortgage, so you can secure 100% financing. It’s also possible to finance some of the closing costs or get the upfront costs covered by the seller.

Not only is it possible for VA home buyers to avoid a down payment, but it’s a popular option as well. In October 2019, the average VA loan down payment on a home was just two percent. Down payments aren’t required, but they can save you money on your monthly payments.

Click to check your VA eligibility (May 6th, 2023)

Do I need to pay mortgage insurance?

Another benefit of having the VA guarantee the mortgage is you don’t have to pay mortgage insurance. Private mortgage insurance (PMI) or mortgage insurance premiums (MIP) are required for smaller down payments on conventional and FHA loans. But no matter how much you put down on a VA loan, you won’t have additional insurance payments on top of your mortgage payments.

How long is the VA loan process?

There’s no set-in-stone time limit for how long the VA loan process takes, but it does take slightly longer than other programs on average.

In June 2021, the average VA loan closed in 55 days, according to the June 2021 Ellie Mae Origination Report. By comparison, the average conventional loan closed in 48 days and the average FHA loan closed in 54 days. So, for the most part, a VA loan will take slightly longer than other loan types, but not by much.

Can I only use a VA loan once?

If you’re eligible for the VA loan, then you’re eligible for your entire life. Plenty of home buyers end up using the VA loan more than once, mostly because it’s arguably the best loan program out there.

You can be eligible to use your VA entitlement benefit again for a new loan if:

  • You’ve paid off your previous VA loan
  • Your VA loan has been assumed by another veteran
  • You haven’t used all your entitlement

How long does getting pre-qualified take?

Pre-qualifying is quick, and it can be started online.

If you’re interested in becoming a homeowner at any point in the future, then getting pre-qualified is a good idea. You can get pre-qualified even if you don’t have a house in mind, or if you haven’t even started looking. A pre-qualification will give you a better idea of how much home you can afford, so you should do this before you start shopping around.

Click to begin the pre-qualification process (May 6th, 2023)

How do I get proof of eligibility?

A certificate of eligibility (COE) demonstrates to your lender that you’re entitled to VA home loan benefits.

It’s straightforward to obtain via the VA’s website. Veterans will need to upload their DD214 form. If you’re still serving, you’ll need a statement of your military service signed by your “adjutant, personnel office, or commander of the unit of higher headquarters.”

However, it’s easier to get your lender to do this for you. If you provide your DD214 or statement of service, then the lender can get your COE directly from the VA on your behalf.

What kind of home can I buy with a VA loan?

Like other loan programs, VA loans have rules about what you can and cannot buy. VA loans are intended to provide veterans and service members with a primary residence. That means they can be used to purchase a single-family house, a townhouse or an apartment. Beyond this, the rules get more complicated.

You cannot use a VA loan to purchase a vacation home or second house or investment property. You can purchase an apartment building with up to four units, but one of the units must be your primary residence.

Mobile homes can be financed with a VA loan, but qualifying can be tricky. And you cannot use a VA loan to purchase real estate in a foreign country.

Can I rent out a home I purchased with a VA loan?

As noted above, VA loans are meant to get veterans and service members into homes so they can’t be used to purchase rental properties.

However, if you’re moving, you don’t necessarily need to sell your existing home if you have a VA loan on it. You can keep your home and rent it out, even with an existing VA loan on it.

There are two ways to do this: 1) Depending on how much equity you’ve accrued in your existing home, you may be able to refinance with a VA streamline refinance (IRRRL) or a conventional loan and get a one-time VA entitlement restoration. Your VA benefit is restored in full and you can get another VA loan for your next home. Or, 2) If your current home was inexpensive, you may have remaining entitlement left over. In that case, you can apply any remaining entitlement towards a new home.

What is a VA appraisal?

A VA appraisal evaluates whether the home is worth what you’re willing to pay for it. Your lender will order the appraisal, but the appraiser will be an independent, licensed appraiser who is approved by the VA.

The appraiser will assess the condition of the property, making sure it has:

  • Functional roof, heat, plumbing, and electrical systems
  • No pest issues
  • No lead-based paint
  • No water intrusion
  • No health or safety issues

What’s a VA funding fee?

The VA funding fee is an upfront, one-time payment determined by your loan amount and your service history, among other factors. The funding fee typically ranges from 0.50% to 3.60% of the loan amount.

This is small compared to the home loan cost savings veterans enjoy, but it allows the VA loan program to be self-sustaining, rather than using taxpayer dollars or funds from other VA benefit programs.

Can I finance my VA funding fee?

The VA funding fee can be financed into your loan to reduce out-of-pocket expenses, but remember this will add to your overall loan balance.

Is a VA loan always the best option for service members and veterans?

Not necessarily. There is no one-size-fits-all loan. The best choice for you will depend on the specifics of your situation. For example, if you’re making a down payment of 20% or more, a conventional loan might end up being less expensive.

Talk with a loan officer who specializes in VA loan products to evaluate your options and find the best fit for you.

Click to check your VA eligibility today (May 6th, 2023)

Source: militaryvaloan.com

Apache is functioning normally

Waking up in a place of your own with the birds chirping right outside your window is a great feeling.

You go outside and enjoy your coffee on the back porch, simply enjoying the quiet that comes with not living in an apartment.

Your neighbors are friendly, the sun is shining, and you know it is going to be another great day of owning a home.

Everything is going great… until the peaceful morning is ruined by the sound of your air conditioner going out.

As romanticized as owning a home has become in America, there are some significant costs associated with buying, owning, and maintaining a place of your own.

The True Cost of Home Ownership

Let’s break down some of the areas on how to value home ownership. There are some obvious costs like your monthly mortgage payment, but hidden costs sneak in there and can break the bank.

Obvious Home Cost: Principal and Interest

For most, the cost and financial benefits of renting versus homeownership are the deciding elements. The traditional logic is that renters are throwing away their money by paying someone else’s mortgage. Though true, this is a simplistic view.

On a $150,000 home purchase with 20% down (so a mortgage loan of $120,000) at 3.5 percent APR, the monthly principle and interest payment is $538.35 per month.

This sounds like a smart deal since most houses increase in value over time, while the monthly payment lowers the principle balance and increases the equity. If you are paying $600 per month in rent, owning your own home for about the same amount sounds like a great deal.

While principal and interest is a big chunk of your monthly costs of owning a home, there are a lot of other costs to consider.

Hidden Home Cost: Property Tax and Insurance

When you speak to a real estate agent about looking at homes, they generally speak of how much a home is going to cost you in a monthly payment. Many agents will focus on quoting you prices based just on the principal and interest because it means they can get you into a more expensive home — pulling you toward that dream home — thus earning a larger commission check on the sale.

Unfortunately, your monthly payment will have other costs associated with it, namely property tax and homeowners insurance. Depending on the area, these costs can increase the payment significantly. Unlike principal and interest, taxes and insurance payments is money that you are not getting back.

You might pay an extra $150 to $450 per month in tax and insurance cost depending on the area you live in, what the tax structure is, and how much insurers charge to protect your home’s area.

Tax and insurance costs are not fixed unlike your principal and interest payments (assuming you get a fixed rate mortgage). Your local municipality can raise taxes over the years, and homeowners insurance companies are constantly changing annual premiums.

Some states have homestead exemptions that lower a homeowner’s tax burden, so check to see if your state allows this.

Obvious Home Cost: Down Payment

When you rent an apartment your costs are an application fee, security deposit, your first month’s rent, and getting renters insurance. With just a few thousand dollars you can be completely moved in and setup in an apartment or rental home.

When you purchase a home of your own you need to save up money for a down payment. Back in the heyday of the housing boom you could buy a property with little or no money down.

Those days are gone. (This is a good thing!)

Home ownership is a serious commitment and requires serious cash to get started. Many lenders want to see you have a 20% down payment in order to be approved for a loan. On a $150,000 home that means you need $30,000 in straight cash sitting in an account waiting to be used once you find a home.

That’s a lot of dough to be sitting on. I highly recommend using one of the top online savings accounts such as Capital One 360 Savings to hold your down payment so you earn interest until you find the home you want.

Still not sure if you should keep renting or buy your first home?  Use this nifty calculator to help you decide:

Hidden Home Cost: Home Maintenance and Upkeep

Owning your own home means you get to decide how your home looks inside and out, including the property’s landscaping. Unless the home is in a designated historic neighborhood, or one with zoning restrictions or homeowners association rules, homeowners are generally free to apply for permits and make changes to a home’s look, structure and more.

It also means you get the “honor” of mowing, trimming, dealing with weeds, and footing the cost of repairs.

Rental properties usually outsource a maintenance crew for maintenance and lawn care so you don’t have to spend time on those items. While a homeowner may have to spring for a new Husqvarna, he or she can landscape as desired. Just remember, it takes time and money to keep up the home and yard.

Most rental management companies will have an itemized checklist of all appliances, flooring quality and states of repair. Often these will be accompanied by photos. Any changes to the rental property outside of normal wear and tear need to be put back to the original state. Renters usually can’t make material changes to the property.  You’ll also have to find affordable renters insurance.

This is not the case for a purchased home property. You can change what you like, but all of the cost comes from your pocket.

How much money should you have on hand for home maintenance? A general rule of thumb is to have at least 1% or 2% set aside for home repairs. If you own a $150,000 home that means having $1,500 or $3,000 set aside for when the roof leaks or the HVAC unit goes out in the middle of summer.

Even that amount of money won’t cover major repairs, but it is better to have a starting point in paying the repair bill than to be starting from scratch.

An easy way to make sure you don’t spend your home repair fund is to use a low risk investment like a certificate of deposit. CDs allow you to earn higher interest and only charge a few month’s worth of interest if you need to pull the funds out before the CD matures. One of the best places to get a CD is online with Discover Bank.

You might create a separate category in your budget to hold maintenance money and a separate category to hold money for landscaping or yard maintenance.

Hidden Home Cost: Higher Utility Bills

Living in a 800 square foot apartment can keep your utility bills down simply because you don’t have much space to heat or cool. There can be some financial shock when you get your first set of utility bills after moving into a much larger home.

If you are used to spending $600 on rent, and $100 on monthly utilities, buying a home with a $600 mortgage payment leaves you with the same amount of money to heat and cool a much larger space. Depending on how old the home is your HVAC unit might be older than the one in your apartment building and thus be less efficient. A less efficient unit combined with a larger square foot area can result in some shocking utility bills.

How much should you anticipate to spend on utilities? Ask the sellers.

Pro Tip: When looking at homes ask the sellers to provide utility bills for the last 12 months and a description of where they kept the temperature set. This can give you a rough idea of what you’ll be spending each month. Even if your exact use of the area isn’t the same — they set it at 73 degrees and you prefer 71 — you’ll at least have a ballpark figure.

Hidden Home Cost: Termite Protection

It’d be nice if we could buy a home and never have to worry about termites ruining the structure. Unfortunately this is one of those hidden costs that many people don’t think of.

You can get a termite bond to protect your home. When you purchase a termite bond (usually a couple hundred of dollars) the termite extermination company comes out to inspect your entire house inside and out for signs of termites. Assuming none is found, they spray a preventative down and right a bond that essentially guarantees against termites.

Each year the company comes back to renew the bond for a smaller fee, does another inspection, and sprays again if necessary.

After the initial cost of the bond it is usually $50 to $100 to renew the termite bond. That doesn’t sound like much, but it is just another hidden cost that you need to prepare for.

Hidden Home Cost: Realtor Fees

Where a home can be the cornerstone for growth for some, it can be an anchor that prevents movement for others. Housing markets fluctuate. The housing values and mortgage rates that make it ideal to purchase a home now may not be there five years from now. When purchasing a house, be prepared to stay with it for at least five year or else plan on losing money.

Selling a home is a giant unknown that you need to consider when first purchasing the home.

  • Can you live here long term?
  • What happens if the housing market tanks around you?
  • Can you afford to pay 6% realtor commissions if you use a real estate agency to sell the home?

The commissions paid to realtors are a hidden cost that reach into the thousands of dollars. A 6% realtor commission (3% for the buying realtor and 3% for the listing agent) is $9,000 on a $150,000 home. That means your home has to go up by at least that much in value if you want to sell it, and that’s assuming home prices are going up in your area.

Anticipating Home Ownership Costs: Use a Budget

Putting together a budget is one of the best things you can do before you even begin to consider purchasing a home of your own. You need to have a solid understanding of where you are currently spending money each month. Having a baseline for your current costs will make it a lot easier to compare to potential home ownership costs than if you are just shooting in the dark.

There is a lot of great personal finance software available. For budgeting we recommend You Need a Budget for your core budgeting needs. You can use other programs like Manilla and Mint to add additional monitoring as needed, but YNAB is a great piece of software.

Is Owning a Home Worth It?

Don’t underestimate the security and stability of a family home. According to a study from the Pew Research Center, housing stability shows the world you are stable, dependable and devoted to the community.

Other studies have shown that children of homeowners tend to be better at math and reading, have fewer behavioral problems, and stay in school longer. This is linked to the safety that a child feels when they have a stable home. Since a house is a long term investment that can have a mortgage of 40 year or beyond, a house becomes very closely linked to a family’s architecture, community standing, stability and more.

A Look at the Future

What will life look like in five years? Ten years? Fifty years? Whether playing the role of savvy investor or new couple thinking about a family, these are the questions that need to be addressed. Of course, without a time machine or a crystal ball, there are no certainties as to what will happen with the housing market in your area.

But those weighing the pros and cons of home ownership must have an idea of how they want to spend their future. The online real estate database, Zillow, recommends having a plan before jumping into the home buying jungle.

If you plan to live in one area for a long time then buying a home is a great decision that provides stability to your family. If you don’t know if you will be in the same area five years from now it usually makes sense to keep renting.

Either way, having an understanding of the true cost of owning a home can help you crunch the numbers to make a housing decision.

Source: goodfinancialcents.com

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Looking for a more eco-friendly alternative for your household products? Discover the extensive range of eco-friendly Heim home interior items offered at Wilcon Depot. Heim, Ezweep, Home basics, Handy helper, and Simple space offers a diverse range of items that are intended to assist you in living a more sustainable lifestyle without sacrificing quality. 

As sustainability becomes an increasingly important aspect of our daily lives, there is a growing demand for environmentally-friendly products. So we created a list of eco-friendly items that you can add to your home.

Heim Condiment Jars with Tray and Spoon

FEATURED STORIES

These eco-friendly condiment jars with tray and spoon are ideal for your kitchen. These reusable, sturdy, and easy-to-clean jars are made of high-quality glass and sustainable bamboo, and it also gives a sense of elegance to your countertops. 

Heim Spice Glass Jar Container

Our spice glass jar container is excellent for storing different spices while keeping their freshness and flavor intact. Made from durable glass, this eco-friendly container is also easy to clean and reuse.

Heim 3-piece Soy Dish with Bamboo Holder

For individuals who want to spruce up their dinner table while also promoting sustainability, Heim 3-piece soy dish set with bamboo holder is ideal. This product makes serving a dip during mealtime simple and hygienic.

Home Basics Bamboo Cutting Board

For an eco-friendly and sustainable kitchen, our bamboo cutting board is a must-have. Crafted from high-quality bamboo, this cutting board is sturdy, long-lasting and gentle on knives. It is also easy to clean and maintain, making it a perfect addition to any kitchen.

Ezweep Okiba Storage Bin with Bamboo Lid

Using storage bins will help you maintain your home tidy and organized. The Ezweep Okiba storage bin with a bamboo lid offers a sustainable solution for storing all of your belongings.

Simple Space Bamboo Tray

A bamboo tray is not only a stylish addition to your home, but also an eco-friendly option for serving food and drinks. The Simple space bamboo tray is made from sustainable materials and provides a beautiful presentation for your guests. It can also be a decorative piece to your table. 

Handy Helper Bamboo Kitchen Utensils

In addition to being a beautiful and sustainable kitchen accessory, Wilcon Depot’s Handy Helper bamboo utensils are highly versatile and durable. These utensils are made from eco-friendly bamboo, which is highly resistant to heat and stains, making them perfect for a variety of cooking tasks.

Heim Reusable Straw

By choosing a reusable straw, you can decrease the amount of plastic waste generated by single-use straws that often end up polluting our oceans and harming marine life. This stainless steel straw is durable, easy to clean, and can be used over and over again.

Home Basics Bamboo Dish Rack

These dish racks are made from sustainable bamboo material that is both durable and aesthetically pleasing. Additionally, this bamboo dish rack is designed to be space-efficient and can hold multiple plates, bowls, cups, and utensils for drying after washing.  It has a sleek and modern design that complements any kitchen style.

Simple Space Bamboo Dish Brush 

Another eco-friendly houseware product that Wilcon Depot offers is the Simple Spaces bamboo dish brush. This dish brush has a bamboo handle and high-quality bristles that may be used to gently scrub dirty dishes, the sink, and even the kitchen countertop.

Wilcon Depot is committed to providing sustainable and environmentally friendly options for customers who are looking to live a more eco-friendly lifestyle without sacrificing quality or style in their home products. Wilcon also has a large selection of housewares that are made with high-quality materials and are efficient.

Explore the limitless product selections that Wilcon offers, ranging from Tiles, Sanitarywares, Plumbing, Furniture, Home Interior, Building Materials, Hardware, Electrical, Appliances, and other DIY items.

Shop at any Wilcon Depot and Wilcon Home Essentials store nationwide or shop online at Wilcon Online Store by visiting shop.wilcon.com.ph.

For more information about Wilcon, you can log on to www.wilcon.com.ph or follow their social media accounts on Facebook, Instagram, and Tiktok and subscribe and connect with them on Viber Community, LinkedIn, and YouTube.

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Ironing boards are a household essential for those who like to keep their clothes neat and crisp. Whether you are a busy professional or a stay-at-home parent, a good-quality ironing board can make all the difference in the world when it comes to wrinkles.

From compact tabletop ironing boards to deluxe extra-wide ones, you’ve got plenty of options when it’s time to add an ironing board to your home. But, don’t stress, we’ve tracked down the best ironing boards from space savers to large, luxury ones. Which one will be right for you?

Tabletop ironing boards

Tabletop ironing boards are small and portable, making them ideal for those with limited space or those who only occasionally iron. They are characterized by their compact design and lightweight construction, and most models come with retractable legs or folding mechanisms for easy storage.

These tabletop ironing boards work for many because they are:

  • Small
  • Portable
  • Compact
  • Lightweight

They’re also pretty affordable and easy to store out of the way.

Honey-Can-Do Tabletop Ironing Board

Source: Amazon.com

Made of durable plastic, the Honey-Can-Do Tabletop Ironing Board is a sturdy choice that provides ample ironing surface. It folds in half for easy storage, making it a space-saving solution for small apartments. This ironing board also includes a metal iron rest to prevent scorching to ensure your iron stays in place whenever you need to set the iron down.

With its compact and portable design, the Honey-Can-Do Tabletop Ironing Board is a durable and reliable choice that makes ironing efficient and easy.

Household Essentials Tabletop Ironing Board

Source: Amazon.com

Compact and collapsible the Household Essentials Tabletop Ironing Board is designed to fit on tables, counters and flat surfaces. Its steel mesh construction provides a durable and sturdy ironing surface, while the slide-out wire shelf is perfect for holding your iron or other ironing essentials.

The Household Essentials Tabletop Ironing Board features a 100 percent cotton cover and thick 5mm fiber pad, providing a resilient and matte-free ironing surface. Overall, this ironing board is perfect for small spaces, such as dorms or apartments. When not in use, it can be easily stored out of the way thanks to the over the door hook.

T-leg ironing boards

T-Leg ironing boards have a specific design for stability and support during the ironing process. They feature a T-shaped leg configuration that allows for maximum balance, making them ideal for heavy-duty ironing tasks.

These ironing boards are popular because they’re:

  • Stable
  • Supportive
  • Ideal for heavy-duty ironing

If you have a little more room in your apartment, they might be the way to go for your ironing needs.

Mabel Home Extra-Wide Ironing Pro Board

Source: Amazon.com

The Mabel Home Extra-Wide Ironing Pro Board is a high-quality and durable option with an extra-thick felt pad that provides a smooth ironing surface, with no bumps, ridges, or wrinkles. The one-piece laminated cover and pad ensure durability and longevity, and the loop leg design, with a contemporary gunmetal finish, provides extra strength and stability.

Designed for comfort and performance, this ironing board works great whether you’re sitting or standing. It features an ambidextrous iron rest that is angled for a naturally comfortable ironing rest position. Additionally, it has a stable low-level shelf that can be used to store folded clothes or a steamer. Overall, the Mabel Home Extra-Wide Ironing Pro Board is a versatile and efficient option.

Homz 4 Leg Steel Top Standard Freestanding Folding Ironing Board

Source: Amazon.com

The Homz 4 Leg Steel Top Ironing Board has a fully adjustable height, a large ironing surface and a patented leg lock for secure transport. Its white legs and designer cover adds a touch of style to this particular chore. You can get this ironing board in blue lattice, navy chevron, purple pattern, a few striped options and even a few solid colors.

The Homz 4 Leg Steel Top Ironing Board includes a 100 percent cotton cover with foam padding for a smooth and resilient ironing surface. Its steel top ensures durability and stability, making it ideal for heavy-duty ironing tasks. Overall, this is a great option for those who are looking fora reliable and sturdy ironing board.

Freestanding ironing boards

Freestanding ironing boards are full-sized boards that are designed to provide ample space for ironing clothes. They are typically adjustable in height and come with a range of features, such as steam iron rests and storage compartments.

The bulkiest of our boards, they’re defining characteristics include:

  • Full-sized
  • Adjustable in height
  • Feature-rich

If you’ve got a decent amount of storage space in your apartment, and have a lot to iron, this could be the right pick for you.

Brabantia Ironing Board C

Source: Amazon.com

The Brabantia Ironing Board is a plus-sized ironing board that provides a generous ironing surface ideal for large items such as sheets, curtains and tablecloths. This ironing board is designed for use with steam units, featuring an extra-large metal holder to comfortably hold them while you work. The adjustable working height of 29.5 to 38.6 inches ensures comfortable and ergonomic ironing for your back.

Despite its size, the Brabantia Ironing Board is easy to move thanks to its transport lock, which keeps the board folded and secure. The perfect-fit cover with cord binder and Stretch-System ensures a smooth and crease-free ironing experience.

This ironing board is Cradle-to-Cradle Certified at the Bronze level, making it planet-friendly. It also comes in a variety of colors and patterns making it a fun and functional accessory to have in your home.

Bartnelli Pro Luxury Ironing Board

Source: Amazon.com

A high-quality ironing board designed to provide users with a sturdy and reliable ironing experience, the Bartnelli Pro Luxury Ironing Board is all about durability and long-lasting performance. The heavy-duty wide legs and big-sized board make it safe and stable, while the protective plastic shield on the legs prevents scratches on your floors.

The Bartnelli Pro Luxury Ironing Board features an extra-thick 100 percent cotton cover supported by foam to withstand heat and keep clothes from sticking. The metal mesh top allows steam to pass through and evaporate, providing an optimal ironing experience. The board cover is washable and changeable, and the iron and steam iron shelf and hanging rack provide added convenience while ironing.

This ironing board is height-adjustable and foldable, making it easy to store and move around. It also locks when folded to keep you safe as you carry it.

Xabitat Deluxe Extra Wide Ironing Board

Source: Amazon.com

The Xabitat Deluxe Extra Wide Ironing Board is designed for both business professionals and everyday home use. This ironing board features a premium, extra-wide surface to accommodate various clothing items, from pants to shirts. The board’s heat-resistant triple layering, consisting of foam, felt and fabric, can withstand high heat and steam, ensuring that clothes drape smoothly over the surface without sticking or damaging fabrics.

The Xabitat Ironing Board has a design that optimizes your storage options, including an unfolding storage tray at the bottom for stacking finished clothing, and a hanging rail that prevents wrinkled slacks, suit jackets or tops.

For added safety, the ironing board features a wire holder to keep the iron cord up and out of the way while you’re ironing, as well as a safety iron rest to keep the hot side away from you or your clothes.

Compact and portable, the Xabitat Ironing Board is the perfect size to keep in your bedroom closet or under the bed. Its non-slip shoes on the “feet” add better surface stability and grip, and the adjustable height helps match your hand level for optimal comfort while ironing.

ironMATIK Space Maker Premium Ironing Board

Source: Amazon.com

The ironMATIK Space Maker Premium Ironing Board has the ultimate space-saving design that is perfect for those who want to keep their ironing essentials organized. It comes with an extendable iron tray that snaps into place, providing the perfect space for your linen spray, cell phone, drink and other essentials you may need while ironing.

The wide ironing surface features an extra-thick, three-layer padding sleeve with a foam pad and durable felt pad that sits on top of the board’s mesh base to improve steam flow for wrinkle-free ironing. Six different height options add in the comfort of using this ironing board, and a sturdy leg design prevents wobbling while protecting your floors.

The board comes fully assembled, and its rust-proof paint ensures that it can sustain heavy steam usage for years to come.

Minky Homecare Ergo Plus Prozone Ironing Board

Source: Amazon.com

An extra-thick felt pad gives the Minky Homecare Ergo Plus Prozone Ironing Board a smooth ironing surface, and the one-piece laminated cover ensures no bumps, ridges or wrinkles as you iron. The Prozone cover also features a metallic coating at the nose end of the board for faster crease removal.

The loop leg design of the ironing board, with a contemporary gunmetal finish, provides extra strength and stability when in use, and an ambidextrous iron rest, angled for a naturally comfortable ironing rest position, makes using this board even better.

With flexible use for ironing and steaming, extra features let you store folded clothes, or a steamer, on the stable low-level shelf.

Over-the-door ironing boards

You can’t have a conversation about ironing board without mentioning at least one that stores over the door for the smallest footprint possible. They are designed to be hung over the back of a door and can be easily stored away when not in use, hardly taking up any room at all.

Household Essentials Over the Door Ironing Board

Source: Amazon.com

The Household Essentials Over the Door Ironing Board is an innovative solution for those who are tight on space but still need to iron their clothes. This ironing board can be easily hung over any standard or commercial door with its convenient over-the-door hooks.

The cotton board cover, with padding, provides a smooth surface for ironing, while the lever-action, open and close feature allows for easy setup and put up. The iron storage rack at the top ensures your iron is always within reach.

Choosing the best ironing board for your needs

Investing in a good-quality ironing board can make a significant difference in the way you keep your clothes neat and crisp. As you begin to shop though, don’t forget to think about the size of your ironing board, and how much room at home you have to spare, the type of ironing board you want and what additional features are important to have. By keeping these factors in mind, you can choose the ironing board that meets your specific needs and makes ironing easier and more efficient.

When you buy through links in this article, we may earn an affiliate commission.

Source: apartmentguide.com

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Sustainable fabrics that are taking over home décor   – Luxebook


Sustainable fabrics that are taking over home décor   – Luxebook


Home Lifestyle Sustainable fabrics that are taking over home décor  

By Arushi Sakhuja  
With sustainability being the need of the hour, many luxury brands are continuously trying to show new and innovative ways to reduce their carbon footprint. With the coming up of thrift stores, new fabrics (such as organic cotton and vegan leather), producing zero waste, cruelty-free manufacturing processes and reduced water technology, and renewable energy sources, as well as adopting a transparent supply chain; brands are working hard to adopt more eco-friendly modes of production. According to Saachi Bahl’s, Founder Saahra and #ConsciousEffort Design Show and Conclave, one must acknowledge that there is no unilateral, linear, or perfect formula to be ‘sustainable’. She says….. “It is a complex process, and many times strategies are dependent upon the context of the business, its production and utility. Therefore, we must be receptive to more people in the industry approaching the subject and give them the scope to continually improve their efforts as there is no one size fits all.” 
It is worth bearing in mind that practices like repairing old weaves, recycling or upscaling can go a long way in giving back to the planet. And sustainable fabrics have come a long way, one must acknowledge that sustainable products do not lack lustre and finesse anymore. Rather, there is a rise in the innovation of new fabrics increasingly used by luxury brands such as Gucci, Stella McCartney, Tommy Hilfiger and Bottega Veneta. Décor brands like Kar Conscious Living focusses on the importance of Indian textiles through raw fabrics and subtle designs, showcasing the essence of their weaves.  More and more home décor brands are using materials like organic bio-washed cotton and handwoven wool. 
Selecting the right fabric 
Saachi Bahl
It’s always good to check what goes into the making of our home décor pieces. We’re still a long way from reducing our consumption to optimum levels, so the least we can do is make eco-friendly shopping decisions. That includes digging into the environmental practices of the brands you love and finding out how ethical they truly are in their production and manufacturing processes. “Decor and fashion have always been sectors that other industries look to for ‘what’s next’. Fashion designers have an incredible opportunity to not only reach but consciously influence consumers and other industries by choosing to create with the end in mind, choosing a material like ECONYL® nylon that can help brands close the loop,” said Giulio Bonazzi Chairman and CEO at Aquafil Group.   
Trend-related shopping cycles take a toll on the environment. Home furnishing-related individual buying decisions can also play a crucial role in our carbon footprint. Globally, the furniture market is worth approximately $ 575 billion. Manufacturers deploy vast amounts of resources to meet high demands, including trees, plastic, cotton, fibre and toxic chemicals, and hence the rise of fast furniture further complicates the sustainability dilemma. Contrary to what is believed, creating a home with the planet in mind does not require sacrificing comfort, style or budget. We can curate spaces by choosing earth-friendly materials and optimising sunlight, airflow and ventilation to reduce our daily impact. 
How are materials sustainable?  
You most likely would have encountered a few new terms like  Econyl, Cupro and Lyocell. You know they’re good for the environment because that is the information we are given. But what exactly are these so-called sustainable fabrics that are taking over our world? Luxury labels are shifting their focus to vegan leather and recycled materials. And the fabrics you grew up with simply don’t cut it anymore. “There is a plethora of new materials that designers and textile manufacturers are working with to make fashion more sustainable. Bamboo and banana fibre, leathers made from plant-based materials, and even sustainable silk are being devised. Along with all these innovations, it is vital to remember to buy from accountable and transparent brands, buy less and buy better, and re-wear, repeat and repair your clothes,” believes fashion designer Nachiket Barve. Saachi Bahl’s Saahra Sustain offers womenswear classics handcrafted in GOTS-certified cotton or peace silk, shoes from plant-based bio-leather called Pinatex, collections made from Econyl and even bags made from cork.  On the design side of things, brands are using reclaimed and waste materials that have led to the creation of unique products and the design world is excited to further explore this avenue. Redefining this space, sustainable home decor brands and designers show us the beauty of old is gold.  
ECONYL
Econyl   
Econyl is making its presence strongly felt in the market. The fabric was pioneered by the Italian company Aquafil in 2011 and is a recycled nylon fibre that is regenerated from plastic trash in the ocean, such as fishing nets, discarded bottles and industrial waste. Aquafil cleans and shreds this waste through a chemical purification process to extract pure nylon. That means that the resulting fibre, Econyl, is no different from virgin nylon. Giulio Bonazzi Chairman and CEO at Aquafil Group gets his passion for sustainability from his native place, a beautiful area in the middle of the mountains of Italy (Dolomites and Alps) near Garda Lake. The place taught him to love, value and respect the beauty that surrounds you. We spoke exclusively to Maestro himself to know more about the material. “ECONYL® is regenerated nylon 100% with a different story. It comes from nylon waste such as fishing nets, fabric scraps from mills and carpets destined for landfills. It is used for apparel, carpets, and other interior design products. And it has exactly the same performance as fossil-based nylon.” 
Aquafil econyl
The pace at which brands are adapting to the material is impressive and currently, Aquafil, with ECONYL®, collaborates with more than 2500 brands in the world. “As consumers continue to stay aware of material ingredients, it’s important that brands choose supply chain transparency. This will not only empower the consumer, but will also invite designers to tap into a new level of innovation and creativity. And this is why brands are choosing sustainable ingredients like ECONYL® nylon for their collection,” shared Bonazzi. ECONYL is mostly known by customers due to pieces offered by Adidas in its 2017 collaboration with Parley, Prada’s line of bags made with the fabric in 2019 — Re-Nylon and Gucci and Burberry have also used Econyl in their outerwear pieces and accessories, including the latter’s iconic trench coat. “Brands are using Econyl across different product categories like swim/resort to luxury. It is coming with the functionality of a virgin material making it good for fashion and the planet,” said Saachi Bahl.   
ECONYL is also used for home décor by brands such as Noho, a New Zealand-based eco-chic brand that creates durable and dynamic chairs made with materials from discarded waste. Alcarol in nature creates functional home décor pieces while preserving the natural materials as they would appear in their respective habitats. From the dining room and coffee tables to consoles and shelving, each creation replicates a distinctive landscape, bringing depth, perspective and beauty into your living spaces. Finally, Rols, a Spanish carpet manufacturing brand since 1917, integrates ecological materials such as wool or jute, and ECONYL® regenerated nylon into their designs, believing that ‘quality goes hand-in-hand with treating the earth with respect’. 
Rols
Cupro 
Another sustainable fabric that is fast gaining popularity is cuprammonium rayon, also known as Cupro. This is a plant-based fabric made from cotton linter, which is a waste product of cotton that’s often discarded. It can also be derived from recycled cotton garments, especially T-shirts. Cupro as a fabric is fine, sheer, smooth, soft to the touch, hypoallergenic, stretch-resistant, durable and dries quickly. Some even call this fabric Vegan Silk. Amouve procures organic cotton directly from Indian farmers and this practice has also led to less usage of water as compared to regular cotton. The brand offers a range of products comprising organic cotton bedsheets, towels, pillows, organic kapok mattresses and waffle blankets among others. 
Kar Conscious Living
Amouve
Lyocell 
Ethical bedding
Lyocell (also known as Tencel) is a plant-based fibre that was introduced 30 years ago and is mostly derived from eucalyptus wood, and sometimes oak and birch wood. To create the material, the wood is ground into a pulp and chemically purified to extract raw cellulose. The liquid is then pumped through spinnerets into Lyocell fibres, which are spun into yarn and woven into fabric. Lyocell fabric is soft, breathable, hypoallergenic, and more absorbent than cotton. Eucalyptus trees grow quickly without the use of pesticides, fertilisers or irrigation, making Lyocell much more eco-friendly and completely biodegradable. The material is a great alternative to viscose and makes it great for athleisure, activewear, and everyday basics. Ethical Bedding, a UK-based brand turns organic eucalyptus and bamboo into timeless silky bedding. 
How to make home décor sustainable 
Rug Republic Hestia
Nand Kishore Chaudhary, Chairman and Managing Director, Jaipur Rugs Group throws light on how the carpet industry uses sustainability in its design. “We believe sustainability in the design isn’t just a trend; it’s our responsibility.”. Chaudhary goes on to explain the process followed at Jaipur Rugs. “We prioritize sustainability in every aspect of our carpet design process, from materials to production. To achieve this, we utilize leftover hand-spun yarn to create unique and creative designs, reducing textile waste. Additionally, we use low-impact dyes that are obtained from GOTS-certified and eco-friendly raw materials, making our rugs long-lasting and beautiful while minimizing the environmental impact of the production process. By using sustainable materials and working with ethical partners, we create high-quality handmade rugs that not only enhance the beauty of any space but also promote a healthier planet for future generations.”   
Another brand that champions sustainability is Rug Republic. Their new collection of Floral Rugs is created with recycled materials, colours, designs and textures.  “The demand for sustainable and ethically made products has led to an increase in the appreciation for handmade rugs as well, as people like to spend on products that align with their thought process and values. Having said that, the timeless beauty and craftsmanship of floral rugs have further contributed to their enduring popularity, making them a valuable addition to any home,” says Raghav Gupta, Director of E-commerce at The Rug Republic. 
With climate change knocking on our front door there are three key methods to make a home more sustainable. Firstly, making the switch to regenerated nylon with the use of artisan rugs and furniture made from recycled materials, such as old carpets, abandoned fishing nets and industrial scraps can minimize waste that would otherwise pollute the earth. For example, for every 10,000 tons of ECONYL® raw material, we can save 70,000 barrels of crude oil and avoid 65,100 tonnes of CO2 equivalent emissions from being released into the air. From Jaipur Rugs and other trendy pieces like these Zanotta pouffes pick your products.  
Secondly, shift to Bamboo furniture. It is a sustainable alternative to wood, and is highly versatile for furniture, flooring and light fittings, giving your humble abode a modern and eco-conscious twist. Pick a rattan table from Fleck or Orange Tree’s rattan hanging lamp.  
Orange Tree Canna Hanging Lamp Double
Lastly, switch to bio-glass meaning home décor made from discarded bottles and jars, this material requires less energy and raw materials to manufacture. Bio-glass can transform kitchen countertops, bathroom sinks, walls, and windows into beautiful and unique pieces, adding charm and sophistication to your home. Renjini Thampi from Kerela upcycles glass bottles to make a variety of home decor items and Nicobar’s recycled glass section makes a strong case as well.  
Nicobar recycled glass collection
“India is certainly the country that will have the most spectacular development in the coming decades. And it seems very clear not only to me that the Indian culture as well as the Indian Government and Indian consumers have a strong interest and great attention towards the conservation of the planet and in doing and thinking step by step to find the best solution. Therefore, aiming for India, I think is one of the most strategic and correct actions to take,” believes Bonazzi. To conclude Bahl believes, “the innovative material industry is evolving at such a fast pace, that it’s just fascinating the type of recyclability and plant-based materials that are available in the market.” 
To conclude, daily habits such as composting food waste, cleaning with natural products, and installing solar panels, underfloor heating or double-glazed windows all contribute towards greener living.
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Source: luxebook.in

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Not every apartment community will let you have a grill, but if they do, how do you pick the right one?

Grilling is a great way to prepare delicious and easy meals for everyone from big groups or just you and your roommate. However, you can only have a grill in your apartment if your lease allows it. So, after checking you have the green light, it’s time to think about what type of grill you want.

There are certain features to consider like size, portability, cost and whether you’ll use propane or charcoal. There are even electric grills if grill safety is a major concern.

Don’t stress over this decision though. These suggestions should get you thinking in the right direction, so you’ll be out grilling up something wonderful in no time.

Propane (gas) grills

Using a propane tank you can easily get at the grocery store, hardware store or even some gas stations, these grills are well-liked because of their ability to apply consistent heat. You can more easily maintain a constant temperature, and the grill will heat evenly.

1. Char-Broil Performance Series 2-Burner Grill

Designed for the busy chef, who doesn’t want a propane tank hanging out on their balcony, this grill comes complete with an underside cabinet for the gas and two metal side shelves. The shelves fold down when you’re not using them, but make a great place to keep grilling tools and that big platter to hold all the food while you’re cooking. Even with its compact size, you’ve got enough space on here to cook up to 16 burgers.

2. Fuego Element F21C

When you need a gas grill with a small footprint, this is your guy. About the width of the propane tank that’s hiding in its cabinet below, this grill gives you a smaller, rotund cooking surface. It may feel smaller than more traditionally styled gas grills, but you can still get enough food for four people on here. And, it looks really cool.

3. Weber Spirit II E-210

This grill is a favorite among many apartment dwellers. Its two burners provide enough surface area to cook a lot of food, and the two collapsable shelves provide extra prep space right beside the grill. With a tool holder and warming rack, it’s a complete package. The base model does not have a propane tank storage cabinet, but if you can pay a little more, you can hide it away underneath.

Charcoal grills

The biggest argument for those who are Team Charcoal, when it comes to grills, is taste. For them, the best grills for apartments, or anywhere, add that smoky flavor to all food prepared on them. It’s also easier to find charcoal grills that are small and compact, perfect for an apartment dweller who’s allowed to have one.

4. Weber Original Kettle Charcoal Grill

When you picture yourself grilling over hot coals, you most likely imagine yourself standing beside a kettle grill. This shape is indicative of some of the best grills for apartments whether you’re cooking on a balcony or up on the roof. It’s easy to move and doesn’t take up a lot of space. With a small drum, it’s also easy to clean.

5. Kamodo Joe Portable Charcoal Grill

Another grill with high portability, this little guy looks like a Big Green Egg, only it’s red. Made with cast iron accents, this grill has nice thick walls that help lock in smoke and keep your food moist while it cooks. Complete with its own stand, you can easily bring this grill out from the corner of your balcony to make it the centerpiece of your al fresco barbecue.

6. Char-Broil TRU-Infrared Kettleman Charcoal Grill

Another kettle grill, but with a hinged lid, this is a bit of an upgrade from the traditional design. The lid stays attached when you pop it open to check in your food. You don’t have to hold it while you flip those burgers or worry about setting it down while it’s hot. The TRU-Infrared technology helps prevents charcoal flare-ups and maintains an even heat.

Electric grills

For those who struggle with having a grill and following the rules on your lease, consider an electric option. You may need to run an extension cord out to your balcony, but there’s no charcoal flame or smoke to worry about and no flammable gas in use. Electric grills are also a healthier way to cook since they don’t produce carcinogens that can get into the food.

Another benefit is the variety of sizes this particular type of grill comes in. You can get a tiny one that sits on your counter or a larger set-up that will look great outdoors. They’re easy to use, heat up fast and often cost less, but the flavor will definitely be different.

7. Char-Broil TRU-Infrared Patio Bistro Electric Grill

Looking like any outdoor grill, with an easy-to-move base and rounded cook space, this fire-engine-red grill simply needs to get plugged into power. With a small footprint, this easy-to-clean electric grill has rust-resistant cooking grates and heating technology that makes for more evenly cooked food. Flipping open the lid, the only way to tell you’re not working with a traditional grill is to look under the grate. There, you’ll see a heating element that looks more like an electric stove burner than anything else.

How to decide which grill is right for you

Assuming you have no restrictions on what type of grill you use, it really all comes down to taste. Each type of grill will produce food with its own flavor. If you want food with a smokier flavor, charcoal has you covered. If you want moist food with deep grill marks, go for propane. Food cooked on gas grills will still have that outside char that only comes from this particular style of cooking.

If you want to cook outside, but it’s okay if what you eat tastes more like it came from the oven or stove, electric works. They’re also great for preparing a grilled meal indoors. You’ll still know you’re eating grilled food, but the fully developed flavor just won’t be there.

If you do have grilling restrictions, make sure you talk to your landlord. Even if you’re within the rules of the lease to use an electric grill, get approval for the type you want. Sometimes, landlords won’t allow electric grills that look too much like a traditional grill, at the risk of confusing other tenants into thinking they can have any kind of grill they want.

It’s grilling time

You’ve done your research and reviewed your lease. There’s nothing left to do but transform your balcony or rooftop into a happening outdoor party, complete with deliciously grilled food. Enjoy!

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Source: rent.com