Monthly Archives: September 2016

Glossary Of Types Of Apartments For Rent In Ottawa

Looking through the apartment listings can be a pretty confusing experience. Just what are the differences between a junior one-bedroom and an alcove studio? A convertible three-bedroom and a flex two-bedroom? Knowing the layout of each type of apartment and what features each type contains will greatly improve your chances of finding the perfect apartment rental for your needs and lifestyle.

Walk-Up Apartment / Low-Rise Apartment

A walk-up or low-rise apartment is located in a building that does not have an elevator (which means it might be a bit more difficult when youre moving in). Walk-ups are usually older buildings that are less than five storeys high and may not have a lot of amenities such as laundry rooms, storage lockers or wheelchair accessibility. Generally, monthly rent for a walk-up is less expensive than the monthly rent for a high-rise apartment.

High-Rise Apartment

A high-rise apartment is found in a building that is generally six or more storeys tall. High-rise apartment buildings have elevators and often have onsite laundry facilities, pools, fitness centres, comprehensive fire alarm systems, and security systems to monitor tenant entry and exit. In addition, many high-rise apartment buildings feature onsite management staff to assist you in the event of an emergency.

Bachelor Apartment / Studio Apartment

A great choice for students, a bachelor apartment (also called a studio apartment or an efficiency apartment) is a small one-room apartment with a separate bathroom. The one room serves as a bedroom, dining room and living room and is usually connected to an open kitchen. Bachelor apartments can range from very small (just big enough for a sofabed and a desk) to very large (with enough room for a king-size bed and a separate sitting area and dining area).

An alcove bachelor (also called a convertible bachelor or convertible studio) is usually configured in an L-shape with a distinct area or nook for dining or sleeping.

1-Bedroom Apartments

A one-bedroom apartment consists of a living room, kitchen, bathroom and a separate bedroom equipped with a built in closet. Occupancy may often be limited to two people.

A junior one-bedroom usually implies an extra-large studio apartment that is large enough to section off a separate sleeping area or bedroom.

2-Bedroom Apartments

A full two-bedroom apartment has two separate bedrooms in addition to a living room. It may or may not have a separate kitchen. Bedroom sizes can vary widely, from a baby’s room or small office to an extra-large master bedroom suite.

A convertible two-bedroom apartment (sometimes called a flex 2) is actually a one-bedroom apartment, but it is large enough and laid out in such a way that a wall could be put up to create a second bedroom. Similarly, a convertible three-bedroom (or flex 3) is a two-bedroom apartment that can be converted into 3 bedrooms.

A wing apartment usually has two bedrooms as well as a small common area such as an eat-in kitchen, but no living room. These apartments are ideal for students or roommates who don’t require much in the way of common living space.

Loft

A loft can be classified as a big, open space with few internal walls. Usually the result from a commercial building having been converted into residential units, lofts generally have very high ceilings, extra-large windows and often have exposed plumbing pipes and columns.

Penthouse Apartment

A penthouse is an apartment on the top floor of an apartment building, usually featuring extra balconies or a rooftop deck. A penthouse is normally considered to be quite luxurious and is an extremely desirable (albeit expensive) place to live.

Basement Apartment

As the name implies, a basement apartment is located in the lowest storey of a building and is partially below ground level. Windows and proper ceiling height are enforced by city codes. This type of apartment can also refer to the basement on a house that has been converted to an apartment. This type of basement apartment may have its own separate entrance and may have its own bathroom, kitchen, laundry room and heating system separate from the rest of the house.

Duplex Apartment

A duplex is an apartment with two levels. This could include a true bi-level apartment with an enclosed upstairs and downstairs, or it could also be an open space with an extra-high ceiling and a loft or mezzanine.

Railroad Apartment

In a railroad apartment, there is no hallway. This type of apartment consists of a series of rooms that are connected to each other in a straight line (just like cars on a train), meaning a tenant will have to walk through each room to get from one end of the apartment to the other.

Balcony / Terrace

The terms balcony and terrace are often used interchangeably to indicate a railed platform extending from the outside of the apartment. It can be small enough to accommodate one or two people standing or large enough for a picnic table, lounge chairs and plants.

New Condominiums With New Set Of Benefits

What are the reasons why condominiums have become a very popular type of housing in the Philippines? According to many experts, condominiums first became popular in the Philippines because of its location, which is very beneficial among many Filipinos, particularly those living in a fast-paced lifestyle.

Eventually, the number of condo for sale Philippines grew, which also introduced a number of new condominiums in which many modern Filipino families have gained a lot of benefits. These types of condominiums are known as condominium complexes.

Condominiums and condominium complexes The main difference between condominiums from condominium complexes is its location. Most condominiums and some of the new condo for sale Philippines are found in business and commercial districts. However, compared to these condominiums, condominium complexes are mostly found in the outskirts, while some are even found in provincial areas. So what can it give to its residents?

More relaxing environment Although condominiums in the city can offer the necessary privacy and relaxing environment in which residents needed, many Filipinos still found that condominium complexes can only provide a true relaxing environment, particularly because these types of new condo for sale Philippines are found in secluded areas around Metro Manila.

Family-oriented Compared to other condominiums, condominium complexes are made entirely for the family. Because of its location, as well as with its environment, many Filipino families found these types of condominiums suitable for their growing children. However, other than just its environment, condominium complexes are also known for its amenities.

Amenities In addition to its family-oriented environment, condominium complexes are also known for its amenities including swimming pools, gyms, recreational parks, and playgrounds. Other condominium complexes also have sports complexes for adults.

Disadvantages of condominium complexes There are, however, several disadvantages to living in a condominium complex. One is that because of its location, residents have had difficulties getting back to the city, to their work, particularly because of rush hour.

Another disadvantage is, like the many condominiums in the city, these types of condo for sale Philippines are also known for its expensiveness, which is why the wealthy can only afford to live in these types of modern housing. For more information visit to our site at http://www.ayalalandpremier.com

Tips To Improve Your Love Life With Hindi Sms

Sending love sms in Hindi is first choice of lovers when it comes to expressing love.Sending love sms in Hindi is not a big problem,as you can use maximum number of time composing it.Saying I love you using it,makes you energized.But before you send romantic sms to your girlfriend, there are few things you should consider in order to make your text message more effective and impressive.

Consider the time factor Try not to disturb in her busy hours.It can make her angry and bring some tense situations in your relationship.Therefore, proper timing is very essential factor when sending Hindi sms to her.Maintaining a successful relationship is really tough. Have a look at her personality

Every girl in the planet earth has different personality. There will be girls who are too shy and also who are so confident.Few girl are found so hasty while few are much sensitive.So, before you press send button on your cell phone, make sure that the sms you have typed suits her personality.

Content Make your love sms interesting enough that she won’t get bored reading.It should be romantic enough to express your feeling of love and affection.It should be spontaneous and funny.To give more emotion to it you can write few lines of poetry’s in it as well.

Keep record of your text segment as well.It should not be too long or too short.Adding just three to four sentences to your love text makes it perfect for reading.

Cuteness

You might wish to live your dream life by making her smile always.If so, then you need to bring some cuteness in your romantic sms.Inserting some smiley, animation or symbols in your text sms will make it even more cute and lively.Also, you can insert some ascii text to elaborate your message arguments in a cute manner.If you really want a successful relationship then do not forget to send a sweet love sms to her daily.

What Made Condominiums More Popular In The Philippines

Planning on buying a condo unit for yourself? Well what kind of condominium are you looking for? In today’s market, particularly in the Philippines, condominiums have become a very popular type of housing. This is because of its capability to address the growing needs of many Filipinos living in a fast-paced lifestyle.

However, because of its popularity and rapid growth, a number of new condominiums were introduced in the Philippine market, such as the popular condominium complex. Compared to the typical condominiums we see in the city, such as the many high-rise makati condo, condominium complexes are known for a different set of benefits catering to a different set of needs.

The old and new condominiums According to many experts, condominiums first became popular in the Philippines because of its location, which are mostly found in business and commercial districts, such as the many makati condo.

Because of its location, residents are given the luxury not only of lifestyle but also of the luxury of living within walking distance to their workplaces as well as popular entertainment and leisure areas such as malls and shopping centers. These condominiums are also known for its maintainability as well as high security.

However, other than just catering to the needs of those Filipinos living in a fast-paced lifestyle, a number of new condominiums were also introduced in the Philippine market which mostly provides a home which residents can unwind and slow down. These new condominiums are known as condominium complexes.

Compared to condominiums mostly found in the city, such as the many makati condo, these condominium complexes are mostly found in secluded locations, such as in the outskirts or even in provincial areas. Because of its location, these types of condominiums are known to provide the peace and relaxation in which condominiums in the city mostly lacks.

However, other than its peaceful and relaxing environment, condominium complexes are also known for its amenities such as swimming pools, gyms, recreational parks, and playgrounds in which residents can freely enjoy.

Family-oriented condominiums Because of its peaceful environment away from the city, many Filipinos found out that these condominium complexes are also suitable for a growing family, particularly for their growing children. And because of its amenities, children can easily find a lot of fun living in these types of condominiums.For more information visit to our site at http://www.atayala.com

Building And Construction Work Appoint The Best Professionals

Are you looking for a reputed company for building and construction work? Here are some excellent tips to keep in mind when choosing the best building company. Build Your Dream Home

Congratulations! Finally, you have decided to build your home. There’s nothing beautiful than living in your home sweet home and enjoying a quality time with your loved ones. Not only you get the option to choose new furnishings for your home, you can get your home designed just like the way you want.

Plan Carefully

Remember, you should plan carefully and hire the best builders for your home-building project. Obviously, there are so many essential aspects to consider for your project so that you don’t end up choosing a wrong company for building and construction work Blackburn. Since you are looking for the best home building company for your project, you have to take a lot of time to do the research work in order to find the best professionals.

By making a list of the top home building companies in your area and getting quotes from everyone, you can easily find the top building company for your project. Always look for an experienced building company who can assure quality work within your budget. Moreover, you should always find a builder who adheres to the building regulations and get the work done within the right time.

Learn About The Company

Before hiring the building company for your project, you should take time to learn about them. You should make sure to choose a company which enjoys a good reputation in the industry for their quality services. They should also show the previous work they have completed along with the contact details of the clients so that you can speak with them.

Check Their Skills

Remember, if you have invested a good amount of money for your home-building project, you should make sure to get the best services from them. When you are comparing the top building companies in your area, you should better focus on the skills and experience of the professional so that you can make the right choice.

In short, you should look for a company who can understand the requirement of your project and complete the task keeping your requirements in mind. Keep all these essential aspects in mind to choose the best.

Conclusion

Whether you are looking for a company for construction work or house extensions in Blackburn, you should always hire a reliable and trustworthy company for the task. Hopefully, these tips can help you choose the best building company.

Good luck!

Mortgage Broker Acronyms Explained

Have you ever found yourself in a conversation with a real estate professional that leaves you dumfounded at their industry’s jargon? As consumers in any field in which we do not operate in ourselves; industry jargon can be confusing and frustrating. When buying a new home this scenario is more than likely to occur multiple times. When a professional like a Mortgage Broker commonly uses certain terms and acronyms on a daily basis, it is simply an oversight on their part to assume you are privy to the definitions of these words. While mortgage brokers may be the biggest offenders’ of this type of misconception, they are also the first to take a step back and explain them to you to equip you with the knowledge needed to getting a loan and most importantly, feel confident in obtaining one. To give you a jump start, listed below are a few of the common acronyms used by mortgage brokers.

EMD: Earnest Money Deposit
A mortgage broker will refer to your EMD at the beginning of the loan process. EMD stands for Earnest Money Deposit. Your Earnest Money Deposit is the down payment that is placed on a real estate property to make the offer to purchase legitimate.

LTV: Loan To Value
Mortgage Brokers will typically request that an appraisal is done on a seller’s property in order to analyze its Loan To Value ratio (LTV). Loan To Value ratios are depicted as percentages. For example, a loan for $50,000 on a property appraised at $100,000 has an LTV of 50%.

TIL: Truth In Lending
Mortgage Brokers are required by law to provide any prospective mortgagor a Truth In Lending disclosure (TIL). The TIL includes pertinent loan information such as the amount financed, annual percentage rate (APR), finance charges, as well as an outline of the period required to pay off the loan.

APR: Annual Percentage Rate
Annual Percentage Rate can be hard to explain to those who are not fluent in mathematical and financial equations. Simplified, it is the rate that will be charged on a certain loan amount based on; including but not limited to, the amount of the loan, the life of the loan, as well as any additional costs associated with the loan.

GFE: Good Faith Estimate
A Good Faith Estimate is a document your mortgage broker will provide to familiarize you with the costs associated with the closing of the loan. These fees will include, title closing costs, mortgage and deed recording costs, lender fees, and any prepaid figures. An example of a prepaid figure is your hazard insurance premium.

It is next to impossible to know and memorize the many acronyms that are used in the financial industry. Amazingly, however, your mortgage broker not only has them memorized but fully understands each of them. So rather than being baffled during your next conversation hopefully the short list of explained acronyms above will promote a confident rapport between you and your mortgage broker.

Surajkund – Lucrative Real Estate Options

Real estate boom in India has activated many dormant areas to become super- active. Surajkund is currently going through this phase of activation and is ready to cross the threshold in order to emerge as a real estate destination. This boom is further strengthened by the relaxation of Foreign Direct Investment (FDI) in the real estate and construction sector. Additionally, the retail segment has opened the doors for the commercial real estate sector of India. Faridabad is fast becoming the next hot destination for expanding developmental activities. The pace of real estate growth is expected to prosper well as more and more companies are now choosing to opt for Surajkund. The city has become a prominent investment destination due to its proximity to Delhi and also because of the rising values of the real estate in Gurgaon and Noida.

Faridabad has traditionally been an industrial city, with 300 large and 10,000 small scale units and the Haryana Government’s new Industrial Model Township. However, the industrial town of Faridabad is now noticing new residential developments, especially in Surajkund village that spans across 30 acres. Surajkund, already known for its international Mela, is now a residential delight for many. The Surajkund mela was launched in 1981 by the Haryana Tourism and is held in the month of February from 1st-15th every year. This craft Mela (fair) serves as a meeting ground for talented artists, painters, weavers, sculptors and craftsmen from all over India who display handicraft products in the typical setting of a rural Indian market place. The place is visited by number of domestic and International tourists and the foot-falls seems to be multiplying every year.

Green Environment

Away from the hectic and congested life, Surajkund offers an environment like no other place in Delhi. The place displays a sense of peace and traditional touch which is envied by every Delhiite. People are opting for Surajkund for its peaceful natural surroundings. Renowned developers are coming up with township projects in and around localities of Surajkund. The first township project near Surajkund is Charmwood Village by the Eros Group covered in the area of 65 acres. Omaxe, Ansals are also setting up their residential projects.

These attractive townships are sufficient to satisfy the needs of people. Bungalows, apartments and villas are available here with all the modern amenities. The rates of residential properties range between Rs 6,500-Rs 8,000 per sq ft. The rent is around Rs 20,000 for 2 BHK flat and varies on the bases of size and type. Ansal and Crown Plaza have lavishly designed malls catering to children’s entertainment and hospitality, along with other commercial and residential projects. Numbers of other residential projects are in pipeline and soon going to be launched.

Infrastructural developments

Social infrastructure is also developing at the fast pace to support the physical infrastructure in Surajkund. All the national and international based schools and educational institutes have come up in the periphery to benefit the students with a pollution free atmosphere. MNV public school, Delhi Public School and Manav Rachna School are to name a few. Transportation is also improving by and by with Delhi’s bus stand just 1 km from the Surajkund. Local rickshaws and autos are also available for intra-city connectivity.

The property price of Surajkund has increased three times in last couple of years. Planned infrastructure, township projects of big brands, proposed Metro in main Faridabad and rise in the prices of real estate property of other cities, involvement of Haryana government in the overall development of Surajkund make it a good choice for real estate investors.

Become A real Estate Mogul

Real estate moguls weren’t born that way, even if they were born into a family of other moguls. It is sometimes easy to assume that some people just have an instinct for investing in real estate, or that it is beyond the scope of the average person’s abilities. In truth, it may be too much for the average-person’s patience, but not their abilities.

That suggests quite affirmatively that anyone who puts their mind to it can become a real estate mogul. That means there is no special real estate investing gene, without which the average person is doomed to poverty or a below average life. It means that there is hope!

As is written in the books of Robert Kiyosaki, the best way to learn about investing in real estate is to simply observe a process. Theres a step-by-step method that you go through when learning how to invest in real estate. The first step, outlined in Roberts Rich Dad, Poor Dad book series, is to teach yourself about the parts of real estate investing.

What that means, is it is absolutely imperative to learn what Kiyosaki refers to as the language of real estate investing. In order to be successful at investing, we need to be able to find properties that will be successful. In order to find properties that will be successful, one must read the property’s records. And in order for that to be beneficial, one must be able to understand those records. Those records are the financial summary of that property. Hence, the hopeful real estate investor must be taught finance and accounting. It isn’t necessary that she become an expert either she will later hire an accountant for that sort of expertise but she must know what her accountant is talking about to her when they discuss these matters. She must know what will be effected so that she may make intelligent decisions. She must be able to understand the documents and figure out what they mean to her.

She must do the same with other aspects of real estate investing also understand enough real estate law to do well and learn about the buildings themselves. That is an excellent place to begin. Once the would-be investor knows about finance, law and the properties themselves, then she has a platform to educate herself about the markets. Then she can learn how location can affect the value of a particular property, that even a pristine building in a bad part of town is fated to command only low rent. She can learn how to begin choosing a location in which to purchase properties, how to conduct the research, and with whom she should speak.

The beginner investor will resort to what she learned about finance, law and buildings while she considers a prospective property. At some point, she should have learned which aspects of the potential property to inspect and that is much more than the building itself. Needless to say, she will go through it with her building inspector to discover what physical shape the property is in, but she will also like to find an appropriate management company, landscapers and anyone else connected with the property. Prior to making a selection, she will know precisely how much it will cost to keep the place running. She will be aware of what the issues are and how much it can most likely make for her. She will know what it makes now, what it will make now and what it will make in the future.

She also knows that the savvy investor does not become emotionally attached to the idea of closing the deal. She knows that the bulk of deals just arent meant to be closed. She knows or she will learn, if she is to become profitable that investing in real estate is mainly about investigation. It is about searching and asking a bunch of questions.

doing this over and over is what creates a real estate mogul. The knowledgeable real estate investor wont perform halfway. She constantly is in touch with the activities of the marketplace and of her investments. If a property in her possession isn’t producing expected results, she sees this and act accordingly.

In summation, the real estate investor grows into a real estate mogul simply by keeping herself well versed, and by learning all the time. And also, by practice.

Wood Retaining Wall Options For A Home

If you’re currently trying to discern whether or not you could benefit from building a retaining wall, try answering the following questions:

1. Do you own a home or property situated on or near sloped, uneven ground?
2. Do you live in a particularly wet climate where flooding and soil erosion are prevalent?
3. Are you looking to add a touch of uniqueness and beauty to your yard and/or property?

If you’ve answered “yes” to any one of the questions above, it’s time to consider installing one.

The Benefits of a Retaining Wall
Retaining walls have a number of uses as well as offer many practical advantages to the homeowner. Generally, the main purpose is to prevent the erosion of sloped earth that may threaten to shift and slide; thereby, potentially damaging or destroying your home or property. They are also particularly effective tools in climates with heavy precipitation, e.g., the Pacific Northwest. Not only will an effective one properly support sloping earth, but it will also act as an effective means of draining water runoff and reducing hydrostatic pressure. Furthermore, they provide a number of agricultural benefits. For warmer, dryer climates, a wall can delay seepage of water from land, and for wetter climates, properly drained walls can divert water from areas prone to flooding.

In addition to practical purposes, these structures maintain a certain aesthetic value as well. As such, adding one may increase the resale value of your home, while also enhancing your own enjoyment of your property. For example, a wall can be constructed in a series of steps or levels, granting you unrestricted creativity to include all kinds of plantings, flowers, or other elements that will add texture, color, and new life to each successive level. Not to mention, stepped retaining walls have proven to be a more effective form of erosion control.

Retaining Wall Options
Since these structures provide support for vertical grade changes, an effective one must be constructed in such a way as to accommodate and redistribute the lateral pressure caused by sloping. As a result, they vary in size and type, and often include materials like stone, brick, concrete, vinyl, steel, and pressure treated timber.

If you’re brainstorming ideas for a retaining wall, the following are commonly used types.

Gravity retaining walls rely on their mass to hold back pressure. Often these walls are constructed from large pieces of stone, concrete, or other heavy materials that are often a composite of elements including steel, rock, timber, soil, and concrete.

Sheet pile retaining walls are utilized for soft earth and limited space. These walls are typically constructed from thin sheets of steel, vinyl, or wood which are driven into the ground.

Cantilevered retaining walls were more popular before the introduction of gravity walls. These walls are typically taller and fashioned from thin stems of steel-reinforced concrete often cast in the shape of inverted T. In effect, they will “cantilever” loads, diverting pressure downward toward the strong base instead of forward. The advantage to this particular type of wall is that it uses less material than most others.

Anchored retaining walls employ the use of anchors placed behind the wall (into the earth) for support. The size and shape of anchors vary, and a number of different methods are used to place them. They are typically used when either high loads are expected or the wall itself is required to be thin, rendering it too weak to stand alone.

Finally, soil nailing is a technique actually used to reinforce the wall. Usually, a number of relatively slender elements, like steel bars, are installed through the wall at a downward angle. This allows them to be easily modified during the construction process and, typically, built from the top down.

How To Succeed In Property Renovation

Are you a first-time property investor who purchased a property that needs renovation? If so, you might need some tips on how to proceed with renovating your property. Property renovation involves a wide assortment of activities that includes structural repairs and new building work to transform a property with the intention of renovating it to the highest standards. Once property renovation has been completed and done properly by professionals, the property is likely to have gained significant value, which is the ultimate goal for every property developer.

Advantages of property renovation

Dr. Dennis Coote, a property developer with 50 years of genuine experience in the property industry who is also a surveyor and ex-full time professional property developer of over 400 properties, enumerates the top benefits of entering the profitable arena of property development:

* A typical property development deal will generate around 30,000 in profit. In a year, you only need to do between 1 and 3 deals a year to replace your existing income.

* By selling properties on, you can build a considerable amount of money you can then use to invest in additional properties.

* In property renovation, you can avoid concerns that most buy to let property owners have to put up with. By selling each renovated property, you can produce instant cash profits and eliminate tenant problems and government regulation issues.

* With the right property development deal, you will find that financing is easily obtained and readily available. Many private investors almost choose to invest in property development projects since these usually offer them an opportunity to recoup their money quicker than with a buy to let investment.

Tips to a successful property renovation

* If youre just starting out as a property developer, the most common technique is to buy a property cheap specifically a below market value property. While you can find numerous BMV properties at auctions, you can also choose to find motivated sellers. These homeowners include those who are close to getting their property repossessed and they would be willing to sell their property for a price significantly lower than its market value. Once you have acquired a BMV property, you can contract professional tradesmen who can do a good renovation job, after which you can sell the property for a profit.

* Buy a large house and convert it into an apartment. Compared to houses, apartments tend to lure more first-time home buyers since these properties usually cost a little less than a house.

* Put the property on the market at the right time and at the right price. With many consumers being inclined to rent rather to buy their own home, now is considered one of the best times to rent out a renovated apartment.

* With apartments, you can choose to sell or rent each one separately. This setup allows you to make more money than merely selling it or renting out the whole property for a single price.

While its likely that you would choose to do some of the property renovation work yourself, you may want a quicker turn around which you can achieve when you hire the services of professional property renovators.