Equity is the difference between the current market value of a property and the principal balance of all outstanding loans. When calculating your mortgage to equity ratio, it’s important to subtract your mortgage balance from the market value of your home rather than the purchase. Having some cash in the bank is really important because it can be turned into cash if you need to through a home equity loan. In order to increase your home’s equity, Mortgage Broker Surrey will help you increase your home’s value, lower your mortgage debt, or both. It is possible to do all of the above and still not see an increase in sales.
Make a Big Down Payment
Down payments are very attractive because they provide instant equity, and the bigger the down payment the more equity you have to start with. If you’re able to put down at least 20% of the loan amount as a down payment, then you don’t have to pay PMI. Make sure you have a good look at your budget and financial situation before buying.
Pay More on Your Mortgage
You pay your monthly mortgage payment to cover both the principal (the money you borrowed to buy the house) and the interest (money that’s owed to other people for having the money. Most mortgages follow an amortization schedule, which means that you’re making payments of equal installments over a specified period of time. Generally, the portion of your payment that goes to interest in the beginning is greater than the portion that goes towards principal over time. To get the best deal, you need to spend more than you have to. When doing so, you’ll decrease your outstanding loan balance faster, thereby increasing your equity. The extra money you spend should go toward covering your principal, not the interest. There are a number of ways to pay extra money on your mortgage, including adding a fixed sum to your monthly payments, switching to a biweekly mortgage schedule, scheduling extra payments at regular intervals, and using extra money such as tax refunds or tax gifts.
Refinance to a Shorter-Term Loan
If you have to borrow money for a house or car, it’s a good idea to consider a shorter term mortgage than the full loan term. You can boost your home equity. Typically, with 15-year mortgages, you get a lower interest rate and a larger portion of your payments goes towards principal instead of interest. A reverse mortgage could help you increase the amount of equity you build each month, and it is usually cheaper than a 30-year mortgage. It’s important to understand that shorter-term loans may be more expensive than long-term financing because they have higher interest rates.
Improve the Property
Home improvement projects can boost your equity. You’ll get an estimate on how much you can expect to get back when you sell your home. According to Remodeling Magazine, the average cost to install most common upgrades is $0.65 for each dollar spent, a 66% return on investment. A smaller home improvement project, such as replacing a garage door, is a better use of your equity than a larger one, like buying a house. Unless you’re remodeling with the intent of selling, it’s important to think about how much the improvement will enhance your living experience within the home. Make sure you hire a qualified professional to help you determine what renovations will make the biggest difference to your home’s value.
Wait for Your Home’s Value to Rise
The housing market is unpredictable. The values of homes go up and down so your home’s value will fluctuate too. Home prices will naturally fluctuate according to local market conditions. When prices rise and demand goes up, your home value will rise with it. Conversely, if the market slows, your value may go down and you could lose some equity in it. You cannot control these market changes, but you should always keep them in mind. If you’re looking for an idea of how much your home could be worth, talk to an appraiser or use an online tool to get an idea of your home.
If you are thinking about purchasing or refinancing, it’s time to contact an experienced mortgage specialist. They can help you start the process.
10 Top Photo Tiles, Wall Art, and Canvas Prints Companies
In today’s digital age, we capture countless moments with our cameras and smartphones, but often these memories remain trapped in the digital realm. Fortunately, there are companies that specialize in turning your cherished photos into stunning pieces of art that you can proudly display in your home. From photo tiles to canvas prints, these companies offer a wide range of options to transform your memories into beautiful decor. In this article, we’ll explore the top 10 companies that excel in this field, with special mention to Wallpics, a standout choice.
Shutterfly has long been a household name in the world of personalized photo products. They offer an array of options, including canvas prints, framed prints, and acrylic prints, allowing you to transform your photos into elegant wall art. Shutterfly’s user-friendly website and customization tools make it easy to create personalized pieces that suit your style.
CanvasPop is known for its high-quality canvas prints. They use premium materials and advanced printing techniques to ensure your photos are reproduced with vivid colors and sharp details. CanvasPop offers a range of customization options, allowing you to choose the perfect size and frame to match your decor.
Mixtiles specializes in photo tiles, making it easy to create a unique wall display. Their peel-and-stick tiles are not only convenient to install but also offer a modern and sleek look. You can rearrange them easily, ensuring your wall art is always fresh and appealing.
Formerly known as AdoramaPix, Printique is a trusted name in the world of photography. They offer a variety of printing options, including canvas prints and metal prints, all of which are known for their exceptional quality. With Printique, you can be confident that your photos will be turned into beautiful works of art.
Easy Canvas Prints
As the name suggests, Easy Canvas Prints makes the process of creating canvas prints a breeze. Their user-friendly website guides you through the customization process, allowing you to choose from various sizes, frames, and even image enhancements. The result is stunning canvas art that’s delivered to your doorstep.
CanvasDiscount is known for its affordable canvas prints without compromising on quality. They frequently run promotions and offer competitive pricing, making it a budget-friendly option for transforming your photos into canvas art. Despite the lower prices, the quality of their prints remains impressive.
Nations Photo Lab
Nations Photo Lab is a professional-grade photo printing service that offers a wide range of products, including canvas prints and metal prints. They are known for their attention to detail and color accuracy, ensuring your photos are faithfully reproduced. Nations Photo Lab is a popular choice among photographers and art enthusiasts.
Great Big Canvas
Great Big Canvas specializes in large-format art prints that can make a bold statement in your home. Their collection includes a wide range of styles, from contemporary to classic, ensuring there’s something for everyone. Whether you want to showcase your own photos or explore their vast library of artwork, Great Big Canvas has you covered.
Fracture takes a unique approach to photo printing by directly printing your images on glass. The result is a sleek and modern look that enhances the vibrancy of your photos. Their minimalist design and easy-to-hang system make it simple to transform your photos into eye-catching wall art.
Last but not least, Wallpics deserves a special mention on this list. Wallpics offers a distinctive and creative way to display your photos as wall art. They specialize in photo tiles that can be easily arranged and rearranged on your wall. With Wallpics, you have the flexibility to create your own unique photo collages and arrangements, adding a personal touch to your decor.
Turning your favorite photos into beautiful wall art has never been easier, thanks to the top-notch companies mentioned in this article. From canvas prints to photo tiles, these companies offer a variety of options to suit your style and budget. Whether you’re looking for professional-grade quality or a budget-friendly solution, you can trust these companies to transform your cherished memories into stunning pieces of art. And with Wallpics’ creative approach to photo tiles, you have the freedom to design your own unique wall display that tells your story in a truly personalized way. So, don’t let your precious memories stay hidden on your devices; turn them into beautiful art pieces that you can enjoy every day.
Top 8 Invoice Generator Software for Freelancers, Small Businesses, and Professional Contractors
In today’s rapidly evolving business world, the demand for efficient tools to manage financial transactions and streamline operations has never been greater. Freelancers, small businesses, and professional contractors all require effective invoice generator software to create professional invoices and ensure timely payments. In this article, we present a new list of the top 8 invoice generator software solutions, with a focus on Zintego, an innovative invoicing tool that can revolutionize your billing process.
QuickBooks Online by Intuit is a highly popular cloud-based accounting software suitable for freelancers and small businesses. It offers a robust invoicing module with customizable templates, expense tracking, and online payment capabilities. QuickBooks Online also integrates seamlessly with various third-party applications.
Xero is another cloud-based accounting software that excels in invoicing. It provides customizable invoices, expense management, and multi-currency support. Xero’s intuitive interface and automation features make it an excellent choice for small businesses and professional contractors.
FreshBooks is a user-friendly invoicing and accounting software tailored for freelancers and small businesses. It offers automatic payment reminders, expense tracking, and client management. FreshBooks also provides a time tracking feature and supports multiple payment gateways.
Zoho Invoice, part of the Zoho suite of business software, offers comprehensive invoicing features. Users can access customizable templates, time tracking, expense management, and online payment processing. Zoho Invoice integrates seamlessly with other Zoho applications, providing a holistic business management solution.
Wave is a free invoicing and accounting software ideal for freelancers and small businesses on a tight budget. Despite its cost-free nature, Wave offers essential features such as invoice customization, expense tracking, and secure payment processing. Additional paid add-ons are available for advanced functionality.
Hiveage is an all-in-one invoicing and billing solution designed for freelancers, small businesses, and professional contractors. It offers customizable invoicing templates, expense tracking, and time billing. Hiveage also includes robust reporting features to help users gain insights into their financial performance.
Invoice2go is a straightforward invoicing software that caters to the needs of small businesses and professional contractors. It provides customizable invoice templates, expense tracking, and online payment acceptance. Invoice2go also offers a mobile app for on-the-go invoicing.
Zintego – A Game-Changing Invoice Generator:
Among the top invoicing software options, Zintego deserves special attention. Zintego has rapidly gained recognition for its innovative approach to invoicing. Here are some standout features that make Zintego a valuable addition to this list:
- Smart Automation: Zintego leverages smart automation to simplify the invoicing process. It can automatically generate recurring invoices, saving time and ensuring consistent billing for retainer clients or subscription-based services.
- Customizable Templates: Zintego provides a range of customizable invoice templates, enabling users to create invoices that match their brand identity. You can easily add your logo, adjust colors, and customize the layout to your liking.
- Expense Tracking: The software includes expense tracking features, allowing users to monitor business expenditures effortlessly. Expenses can be categorized, receipts attached, and detailed expense reports generated for better financial management.
- Multi-Currency Support: Zintego understands the needs of international businesses and offers multi-currency support, making it easy to invoice clients in their preferred currency.
- Payment Integration: Zintego integrates seamlessly with popular payment gateways, facilitating online payments and reducing payment delays.
- Client Management: Zintego assists in managing client information, providing quick access to contact details, transaction history, and outstanding balances. This feature is invaluable for maintaining strong client relationships.
- Mobile Accessibility: With the Zintego mobile app, users can create and send invoices from anywhere, ensuring flexibility and efficiency in their invoicing process.
- Data Security: Zintego prioritizes data security by employing encryption and secure protocols to protect financial information, ensuring the utmost confidentiality for users and their clients.
Invoicing plays a pivotal role in the success of freelancers, small businesses, and professional contractors. The right invoice generator software can simplify invoicing, enhance professionalism, and boost cash flow. While established solutions like QuickBooks Online, Xero, and FreshBooks offer robust features, Zintego’s innovative approach and user-friendly interface make it a compelling choice.
As businesses continue to evolve, having a reliable invoicing tool like Zintego can make a significant difference in managing finances efficiently and nurturing client relationships. Explore these options to find the software that best fits your invoicing needs and helps your business thrive in today’s competitive landscape.
Do employment background checks help create a better customer experience?
The customer is always right. If you’re a business owner you know that and you’ve probably told your employees a million times the customer should always be happy, or else they might take their business elsewhere. The problem is what can Australian business owners do to make sure this is always the case? Can background checks help with that?
The importance of pre-employment background checks
The employees are the face of your company, especially those who interact with your customers on a daily basis. Many Australian companies have strict dress codes for those employees who work directly with the customers, but looks aren’t everything.
To understand the importance of criminal police checks, let’s examine a hypothetical situation. Say you own a shoe store visited by hundreds of women of all ages every day.
What if one of your salespersons happens to be a guy with a history of sexual harassment? Can you even imagine what a nightmare experience one of your customers might have if that guy starts making inappropriate comments or touching her legs while presenting her with various pairs of shoes? Many women are afraid to say anything in such a situation because they might be ashamed of what just happened, but you can bet that customer will never set foot in your store again. And will tell all her friends to stay away.
Or let’s take another scenario, with an employee with a criminal record for various acts of violence. A short-tempered guy might easily become nasty if not downright violent with a demanding customer. Yes, some customers can be very difficult, but your staff should go out of their way to accommodate them because that’s how business works.
How to make police checks part of your hiring strategy
No business wants to be dragged into a public scandal and the only way to avoid that is to make sure your employees are not dangerous. One way of doing that is checking their criminal history.
To avoid awkward situations, you can write that down in the job ad. ‘Selected candidates will have to submit to a national police check or an ancc police check from a character check agency like ANCC’. They’ve been informed now and if, for some reason, they do not want to have a background check they’d better not apply for that position.
Should this question surface during the job interview, your hiring manager can explain the reasoning behind this decision – the company wants to avoid being dragged into a public scandal. Also, add that the company uses the services of an online character check agency, so this won’t inconvenience the candidate in any way.
Another argument is that should such a situation appear, it’s not just the employee at-fault who might be facing charges, but also the company for failing to ensure public safety. At the very least, the company might be sued for negligent hiring.
Knowing that a candidate doesn’t have a criminal record doesn’t guarantee they won’t be causing any sort of trouble in the future, but the risks are significantly lower.
Then you can look at other things you need to do to create the best possible experience for your customers, like providing regular training for your employees and having them permanently monitored.
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