Author: gaia

Workplace Glam: Statement Neckpieces for the Office

Workplaces and offices can feel stifling to the creative soul or fashionista who wants to display their talent for coordination. Often, office attire can feel drab and uninspired with neutral colours, long hemlines, and high collars. The best way to break out of the office attire rut is to accessorise with a great statement neckpiece such as a choker or necklace.

Express your individuality with these great pieces

Expressing yourself in the workplace can bring a great sense of satisfaction to an individual. It allows them to stand out in the office crowd without seeming too outlandish. Try out some of these great finds for your next day at the office

  • Rustic Refinement- Simple pieces for a bold statement

The Molten Metal Arch neck-piece is a wonderfully simple piece of jewellery that can coordinate with any outfit. It has a beautifully subdued sheen with a large texture for a perfect collaboration between sight and feels.

For those that like a slightly more delicate look, try the Epiphyte Flower Neckpiece. This unassuming necklace features a wonderfully rustic branch accompanied by a beautiful flower. The silver metal tones and subtle shine give this piece a personality all its own and allow it to be paired with just about any outfit.

  • Natural Elegance- Bring the natural world with you

When stuck indoors all day long, one can begin to crave the peaceful and elegant touch of the natural world. The square locket with a real green fern on a red background is a perfect way to bring nature with you to the office. This necklace is an effortless statement piece that will grab attention without being garish.

For those looking for a more understated piece of nature, try the Origin of Flora Choker. The mix of metal types and beautiful floral design are the perfect pairing for a sophisticated but natural touch to any outfit.

  • Gorgeous Geometry- Shapes for a touch of interest

Geometric shapes are timeless foundations for jewellery. The Ujjwala necklace is a perfect example of just how interesting geometric pieces can be. The concentric shapes bring a touch of whimsy without losing the elegance of the pure metallic design.

For a bolder look, try the Celestial Moon Neckpiece. The bent corners in the piece bring edginess to any outfit, and the bold placement of a large stone makes an impact on anyone who sees it.

  • Pretty in Pink- Bring a touch of the feminine to any workplace outfit

For anyone who has ever worked in a male dominated office, it is evident that occasionally there needs to be a woman’s touch. The Mother and Daughter necklace featuring the flower of life can connect you to a loved one while making a bold statement around your neck.

For a more understated touch of pink, try the minimalist design of the Mridang Choker. The simple squares on this choker bring a beautiful pop of colour to the neck on a graceful chain.

  • Superior Stones

If unique jewellery is appealing, try the Chained Rock Necklace. The uncut stones contrast against the delicate movement of the golden chains in a way that is sure to bring attention to any outfit

For a less bold neckpiece that is still unusual, try the Clustered Golden Dangles Necklace. The stones are smaller as are the golden dangles allowing for a more delicate piece while still retaining the different elements seen in the Chained Rock Necklace.

These are just a few of the beautiful pieces available at Mojarto.com.To see all of the options available and perhaps find a nice set of matching earrings, visit their site.

Keywords: Statement neckpiece, office attire, bold statement, workplace outfit, unconventional jewellery, timeless foundations, whimsy, elegant

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How your home can tell a story

When you buy or rent a place for the first time, you have a blank canvas, ready to be filled. Our homes tell the story of our lives; how we decorate them and fill them expresses our individuality and shows visitors just who we are. Not only that but creating a space in which you are content, and at peace, somewhere you’re truly happy to live, can have a beneficial effect on your mental health.

In creating this space, you’re creating somewhere you can be yourself, and the addition of a few curios and objets d’art can bring this vision to life, making it seem as though you’ve employed an interior designer!

Interior decor is a big job, though. Making your space your own can be as simple as a few carefully chosen pieces such as these:

Dove Chimes: let your imagination take flight

These delightful doves are the world away from the traditional clunky wind chimes. Their grace in flight is captured beautifully in brass.  This is a quirky yet contemporary piece which would grace any space.

Bird of Paradise: let your spirit soar

This beautiful Bird of Paradise is sure to give you pleasure on a daily basis. It’s intricately interleaved copper strands provide a fascinating textural depth to intrigue and delight. This bird is certainly a conversation starter; the grace and form of its lines echo the fabulous displays of its real-life namesake. Undeniably this is a piece to treasure.

Crushed bottle puzzle: display your playful side

This off-beat curio is certain to provoke a reaction. This brushed aluminium piece is, in fact, a fiendish puzzle, looking at first glance like a piece of litter. Tactile at the same time as being intellectually stimulating, it’s a prime example of why you shouldn’t take things at face value, and a great statement piece.

Chess Bookend: unleash your inner grandmaster

Chess Bookend: unleash your inner grandmaster

What better way to demonstrate your intellect than this combination of books and chess? “In life, as in chess, forethought wins,” said the author Charles Buxton. This marriage of form and function demonstrates your capability always to be thinking a few steps ahead, stick some heavyweight volumes in the middle, and any guest will be suitably awed by your brainpower.

Hand blown art glass apple: a fruity addition

The beautiful smoky finish on the hand-blown glass apple will add a chic and contemporary tone to any space it’s included. The nice crackle on the finish gives the piece a beautiful visual impact as well as implying excellent tactility. This is a beautiful object to own, and an exquisite example of the glassblower’s art.

These are, of course, just a few examples of ways that you can make your space tell a story. The right objects, in the right places, can make your home somewhere you long to return to, and are proud to invite people. Why not explore further at https://www.mojarto.com?

Keywords: curios, objets d’art, making your space your own, Dove Chimes, Bird of Paradise, a piece to treasure, Chess Bookend, hand-blown glass, glass apple, make your space tell a story.

References

Benefits of home environment on health: https://www.takingcharge.csh.umn.edu/enhance-your-wellbeing/environment/your-personal-environment/how-does-your-personal-environment-impa

Using ornaments as part of home design:  http://freshome.com/2014/07/10/how-to-make-your-home-look-like-you-hired-an-interior-designer/

Chess quote: http://thinkexist.com/quotation/in_life-as_in_chess-forethought_wins/201667.html

Mojarto: https://www.mojarto.com

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Bringing “It” to the Renaissance Phoenix Downtown Hotel

What do Britney Spears, Chris Evans, and ZsaZsa Gabor have in common?

The Renaissance Phoenix Downtown Hotel has had each of them as a guest at one point in time.

The Renaissance Phoenix Downtown Hotel is a traveler’s sanctuary located in the heart of the city. It is situated close to many must see spots including Heard Museum, Chase Field, and Talking Stick Resort Arena. More conveniently, the light rail and Phoenix Sky Harbor International Airport are also nearby.

Brief History Lesson

The property itself actually has an incredibly long history in the hotel industry. Since 1896, there has always been, and there continues to be a hotel on the property. The Renaissance Phoenix Downtown Hotel has quite a history of its own, standing for 45 years.

Recent Renovations under Unique Design Influences

A $13 million renovation has recently been completed on the lobby and the hotel’s signature restaurant, Dust Cutter. But this isn’t it. Many more upgrades are anticipated for the upcoming years.

Cut Some Time at Dust Cutter

Dust Cutter is the hotel’s new modern urban saloon located in the lobby. The hotel manager, Jon Erickson names this restaurant as his favorite space within the entire property. Erickson explains, “This venue delivers a one-of-a-kind experience in downtown Phoenix.”

With the newly renovated spaces, the hotel’s new chic vibe makes it one of the “it” hotels to stay at in downtown Phoenix. The new renovations include unique design influences, art, one-of-a-kind chandeliers and light fixtures. 

Elevating the Experience of all Guests

Design and renovation are at the very forefront of the hotel’s list of priorities. Revamping the property serves as the hotel’s direct approach at enhancing the experience of all its clients.

Ideas are consistently thrown around in-house, in search of the next unique design project that will elevate the hotel’s ability in catering to its guests’

specific needs. 

In-House Designs

How do you think Melinda’s Alley came about? Melinda’s Alley is the hotel’s Speak Easy. It was once voted as one of the top 10 Dark Bars in Phoenix.

Erickson says, “We have just begun our ‘Next Best Idea’ process for 2017. This was how we created Melinda’s Alley. You never know what will happen when you challenge 40 Managers to think outside the box and give them a sum of money to bring it to life.”

The next renovation project will take place in the summer time, focusing on the 24 corner suites. New carpet will be rolled out in all meeting spaces.

Netflix Awaits Your Next Hotel Stay

Guests can look forward to watching programs from their personal Netflix accounts, along with access to many other web-based services. This is all part of the new entertainment platform the hotel plans to launch with its revamping of their 500+ TVs.

Erickson explains, “We must continue to enhance our Wi-Fi bandwidth to keep up with the needs of the millennial traveler. We are improving our in-room entertainment package to give the desired platforms to today’s travelers and our guests. “

The Renaissance Phoenix Downtown Hotel serves as a temporary home for a diverse clientele. The hotel understands the impact of technology in this day and age. Enhancements are consistently made to keep up with the needs of the guests of today’s generation.

What do Britney Spears, Chris Evans, and ZsaZsa Gabor have in common?

The Renaissance Phoenix Downtown Hotel has had each of them as a guest at one point in time.

The Renaissance Phoenix Downtown Hotel is a traveler’s sanctuary located in the heart of the city. It is situated close to many must see spots including Heard Museum, Chase Field, and Talking Stick Resort Arena. More conveniently, the light rail and Phoenix Sky Harbor International Airport are also nearby.

Brief History Lesson

The property itself actually has an incredibly long history in the hotel industry. Since 1896, there has always been, and there continues to be a hotel on the property. The Renaissance Phoenix Downtown Hotel has quite a history of its own, standing for 45 years.

Recent Renovations under Unique Design Influences

A $13 million renovation has recently been completed on the lobby and the hotel’s signature restaurant, Dust Cutter. But this isn’t it. Many more upgrades are anticipated for the upcoming years.

Cut Some Time at Dust Cutter

Dust Cutter is the hotel’s new modern urban saloon located in the lobby. The hotel manager, Jon Erickson names this restaurant as his favorite space within the entire property. Erickson explains, “This venue delivers a one-of-a-kind experience in downtown Phoenix.”

With the newly renovated spaces, the hotel’s new chic vibe makes it one of the “it” hotels to stay at in downtown Phoenix. The new renovations include unique design influences, art, one-of-a-kind chandeliers and light fixtures. 

Elevating the Experience of all Guests

Design and renovation are at the very forefront of the hotel’s list of priorities. Revamping the property serves as the hotel’s direct approach at enhancing the experience of all its clients.

Ideas are consistently thrown around in-house, in search of the next unique design project that will elevate the hotel’s ability in catering to its guests’

specific needs.

In-House Designs

How do you think Melinda’s Alley came about? Melinda’s Alley is the hotel’s Speak Easy. It was once voted as one of the top 10 Dark Bars in Phoenix.

Erickson says, “We have just begun our ‘Next Best Idea’ process for 2017. This was how we created Melinda’s Alley. You never know what will happen when you challenge 40 Managers to think outside the box and give them a sum of money to bring it to life.”

The next renovation project will take place in the summer time, focusing on the 24 corner suites. New carpet will be rolled out in all meeting spaces.

Netflix Awaits Your Next Hotel Stay

Guests can look forward to watching programs from their personal Netflix accounts, along with access to many other web-based services. This is all part of the new entertainment platform the hotel plans to launch with its revamping of their 500+ TVs.

Erickson explains, “We must continue to enhance our Wi-Fi bandwidth to keep up with the needs of the millennial traveler. We are improving our in-room entertainment package to give the desired platforms to today’s travelers and our guests. “

The Renaissance Phoenix Downtown Hotel serves as a temporary home for a diverse clientele. The hotel understands the impact of technology in this day and age. Enhancements are consistently made to keep up with the needs of the guests of today’s generation.

 

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Witness the Beauty of the Golden Triangle

Visiting another country for the first time is truly fascinating. Sometimes it can be a little overwhelming. A major task for travelers is the ability to visit all the best sights to see on the trip.

That can be a difficult task. Luckily, the Golden Triangle Tour helps you accomplish just that. Enjoy a luxury Golden Triangle tour that lasts seven days and six nights.

There are several India Golden Triangle Tour packages, but for this India tour package, you will be visiting Delhi, Jaipur, and Agra. Each has its taste of historical monuments and places. You will get more than enough exposure to the wonders of India.

First & Second Day: Delhi Exploring

On your first day of your vacation to India, you will land in Delhi late in the afternoon. Here, you will settle into the hotel that you will be staying in for the next two days.

The second day you will go exploring throughout Delhi. A couple of great attractions include Gandhi’s memorial. Try to save some money as you travel through the moon light market or “ChandniChowk.” Here you will see tons of people going on a small path to get to where they need to go.

Your guide will assist you by pointing out all the different areas of the market. It is the largest market in Asia. Delhi has many attractions that will keep you busy the entire day.

Third & Fourth Day: The Beautiful Jaipur

After you have had a good time in Delhi, it’s time to enjoy the rest that the Golden Triangle of India has to offer. Heading over to Jaipur, you will have the chance to visit the Tripolia Bazaar. You also get to experience a classic way of living in some of the walled cities such as Thatheronka Rasta.

Continuing your exploration of the beautiful Jaipur as a part of your India Golden Triangle Tour package, the next day focuses on the best spots available. The fourth day includes visiting a palace and the GovindDevji Temple. Also, you will get the chance to see the world’s oldest and largest stone observatory. This tower holds some of the best-preserved tools used for astronomy.

At the end of your fourth day, you can visit the GovindDevji Temple which is dedicated to the Hindu God Krishna. It is located in the heart of the old city. Witness the daily worship of the idol through hymns. Each day, she is praised at seven different times.

Last Days: Ending Your Indian Tour with a Bang

To wrap your trip up, you will spend one more day in Jaipur and then head to Agra. Here you will visit the TajMahal, one of the most famous monuments in India. It took 22 years and 20,000 men just to build it!

Another ancient monument that is 2500 years old is the Agra Fort. It played a significant role during the rule of Mughal. To end your Golden Triangle India Tour, you will stop by Delhi again for your last stay. Then, you depart in the morning.

LSI Keywords: Golden Triangle tour, Golden Triangle tour packages, India Golden Triangle tour package, golden triangle tours India, vacation to India, India tours and travels packages, India tour package, the golden triangle India, golden triangle of India, golden triangle tourism, luxury golden triangle tour, the golden triangle, Indian tour

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TOP OF THE POPULAR WEEKEND GETAWAYS IN THE UK THIS SUMMER

With the British autumn fall seeming to happen later every year, there is an added benefit to the extended summer – weekend getaways in some of a unique place the UK has to offer.  They are best experienced in the balmy close of the hot season.  Weekends can be reclaimed as the relaxation bonus they were invented to be.

There will be something for even the most jaded jet setter to admire.  There is no lovelier place than the British countryside as summer is on the cusp of turning.  The cities are packed with a treasure trove of culture, art, and gastronomy, so throw an overnight bag in the car and try out some of these great weekend retreats.

  1. LONDON CALLING

Every UK summer weekend break list should include London.  More specifically, The Dorchester Hotel in Mayfair.  It is the hub of the best UK high-end shops and most fascinating attractions.  The Dorchester Spa is the world renowned for being the ultimate in relaxation. 

London Cabbie Tours can be accessed outside the foyer and take in all the main places of interest and antiquity.  The hotel houses internationally acclaimed restaurants and bars. The accommodation offers rooms with couples and suites for families.  Luxury Hotel Services can organize tickets for theatre shows.   The service at this 85-year-old landmark hotel will indeed put the sizzle into your summer.

  1. LOVE LIVERPOOL

There is much more to Liverpool than just being the home of The Beatles.  John Lennon Airport is one of the busiest in Europe.  Liverpool is comfortably equidistant to most of the UK.  In summer, there is a proliferation of weekend concerts, gigs, and festivals popping up to make the most of the hot weather.  

The entertainment extends to comedy clubs, sports events and even cage fighting.  The Pier Head Village summer festival is the most memorable and takes place on Liverpool’s iconic waterfront from June 30th – September 10th.   Arts and crafts, artisanal local food, funfair rides and regional bands make this fun for everyone and the perfect weekend getaway from the humdrum.

  1. THE SCOTTISH HIGHLANDS BECKON, LADS, AND LASSES.

A summer weekend fling with a Scottish highland twist is the place for anyone with bird watching, tramping and picnics in mind.  The solitude in the northwest area of bonny Scotland is perfect for cycling without fear of traffic.  The roads are well maintained with sweeping views on all sides of mountains and summer foliage. 

The most prominent town is Inverness.  The countryside is resplendent with glens, lochs and quaint villages.  A sample of the cultural riches the area contains is The Glenmorangie Whiskey distillery; The West Highland Museum; Ballindalloch Castle; Cairngorms National Park. 

The Scottish Highlands are a UK institution for the weekend escapee who wants to leave the busy city life, and with a population of just 213,590 in an area of 26,484 sq km, this is the ideal place. 

LSI KEYWORDS:

Summer – weekend getaways/.  Weekends/ summer/ weekend retreats./ UK summer weekend break/ best UK/ your summer./ weekend/ summer festival/ and the perfect weekend/ summer weekend/ weekend escape/

References:

https://www.tripadvisor.co.za/AttractionsNear-g186338-d187992-The_Dorchester-London_England.html

10 of the best weekend breaks in the UK

https://www.tripadvisor.co.za/Attraction_Review-g186338-d3850258-Reviews-London_Cabbie_Tours_Private_Tours-London_England.html

https://za.hotels.com/ho477886/?dateless=true&hotelid=477886&rffrid=sem.hcom.ZA.google.003.00.02.s.kwrd=c.200931368323.43318283980.680121791.1t1.kwd-298804802307.1028745..{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2Bthe{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}20{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2Bdorchester{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}20{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2Bhotel{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}20{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2Blondon.EAIaIQobChMIqr7TvJT91QIV7rXtCh19PwDbEAAYASAAEgJ_8vD_BwE.aw.ds&gclid=EAIaIQobChMIqr7TvJT91QIV7rXtCh19PwDbEAAYASAAEgJ_8vD_BwE&gclsrc=aw.ds

Hotel Services

https://www.tripadvisor.com/Flights-g186337-Liverpool_Merseyside_England-Cheap_Discount_Airfares.html

www.echoarena.com/whats-on/

https://www.songkick.com/metro_areas/24526-uk-liverpool

www.liverpooltheatres.com/gigs.htm

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Scottish Highlands Quick Facts & Figures

https://www.google.co.za/search?q=glenmorangie+whiskey+still+in+scotland&oq=glenmorangie+whiskey+still+in+scotland&gs_l=psy-ab.3…4956.20763.0.21638.20.19.1.0.0.0.606.3311.2-4j5j0j1.10.0….0…1.1.64.psy-ab..9.9.2997…0j0i22i30k1j33i21k1j33i160k1j33i22i29i30k1.4axlINa2kEI

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Top 10 weekend getaways this summer in the UK

As Brexit looms ahead, British holiday makers are choosing to stay in the UK rather than look abroad.

Staycation internet searches and booking are up almost a quarter compared to 2017. The trips are shorter too with half of the staycations planning a break of three days or less (most likely over weekends) – up 8.8 per cent from last year.

Vacationers are opting to enjoy all the UK has to offer. So, where are the best weekend getaways in Britain?

Cornwall

With 300 miles of coastline what’s not to love? Scattered all around are dunes, beaches, cliffs, and harbors.

Arguably Cornwall has the best beaches in Britain, staring out at their turquoise waters and with their white sand between your toes anyone could forgive you for thinking you were somewhere more like the Maldives.

Lake District

Having just been awarded UNESCO world heritage status (in July 2017) it has finally gained acknowledgment for being one of the most beautiful locations on the planet.

If you love walking in nature, this is the weekend escape you need. With public footpaths giving access to the entire 912 square miles of the park you can relish in the blue waters and high mountain peaks.

Norfolk

The rolling countryside and sleepy villages make for a perfect weekend away.

There’s much to enjoy even on the rainy day, which is all too common in our British summers. You can visit Norwich’s Norman castle which was founded by William the Conqueror somewhere between 1066 and 1075.

Cambridge

If the countryside is not your thing, enjoy the gorgeous architecture and riverside setting of this quaint British city. The River Cam cuts through this town, and there’s no better way to see it than by punt.  Punting is an age-old tradition in Cambridge, having been around since Edwardian times and will give you views of the city you can’t get any other way.

London

If you’re not a city dweller, then a weekend city break in London is something you definitely should experience. For scale, splendor and night life nowhere in the UK can beat it. You can go out and stay out all night, enjoy the club, bars, and comedy but first dine in one of the 64 restaurants that have at least one Michelin star.

Edinburgh

This Scottish city should be on the list for your next weekend away from home. These building on these roads tell stories going back to the 12 century, when it the city was established by King David I. The castles and manors contain sheer untamed beauty, you could spend hours walking along, admiring this city’s streets.

Snowdonia

The oldest national park in Wales, visiting this outstanding destination you will be spoiled for scenery.  The home of Mount Snowdon, the tallest mountain in England and Wales, is 3,560 feet tall. The three-hour hike to the top¬ boasts some of the best views in the UK.

The Isle of Wight

A holiday destination since Victorian times, it has beautiful well-conserved wildlife. Named the “Dinosaur Capital of Britain” in 2013 it’s the perfect fan for any fans of Jurassic Park. Maybe you will find a fossil to take home as a souvenir.

Belfast

Where better to enjoy a shamrock topped pint of Guinness? Poured by a lovely barmaid who has what is now officially considered the sexiest accent in the world.

Even if a glass of the black stuff isn’t for you there, plenty of hoppy delights to choose from since Northern Ireland’s craft beer revolution began.

Liverpool

This is a foodie or music lovers’ paradise. A wide range of culinary delights are enjoyed here – it even has one of the UK’s highest restaurants.

The birthplace of the Beatles, there are many venues in which to spend your evenings – able to listen to any genre of music you like.

The UK has so much to offer; it’s no wonder people are choosing to have breaks in Britain. So where will your next adventure take you?

LSI Keyword

Getaways in Britain

British holiday makers

Weekend getaways in Britain

Weekend break in Britain

Staycation

British holiday makers

Weekend escape

Weekend away

Weekend away from home

a weekend city break

Breaks in Britain

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Six Things to Consider Before You Transfer Your Home Loan

The technical term for a loan transfer is ‘takeover of loan’. You approach a bank. It pays up for whatever remains of your loan amount to your former bank. Then, it issues a loan to you on the same amount, but with new interest rates and tenure.

This transaction lets you choose lower interest rates and pay less EMIs. It brings extra business to the bank. Sounds like a win-win? It is!

However, the rate of interest and monthly installments, as relevant as they are, shouldn’t be the only things you consider before choosing an alternative to transfer home loan balance. Here are six other factors that you must explore and weigh before making a decision.

  1. How Much Would a Loan Balance Transfer Help You with Long-Term Savings?

The whole point of shifting loans is to relieve the pressure of higher EMIs and keep you from overpaying. A cost-benefit analysis becomes necessary here. Whether or not you will benefit from transferring the loan depends on four factors.

  • The outstanding loan balance.
  • The remaining tenure of the current loan and that offered by the new bank.
  • The transfer cost of the new bank.
  • The applicable rate of interest.

Let’s assume that you take a loan for ₹50,00,000 for twenty years at 9.70 percent per annum interest. You still have fifteen years left on the tenure. You pay ₹47,262 as monthly EMI and have an outstanding amount of ₹44,74,000. If a bank offers you 8.65 percent per annum with a cost of ₹13,000 for transfer and a difference of ₹2,813 in the EMI, you will save ₹4,93,000 after repaying the loan with the new bank.

For the same loan, if the remaining amount and tenure are ₹22,39,000 and five years respectively, at 8.96{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} p.a. and new EMI of ₹1,153, you will only save ₹58,340. With the transfer cost of ₹10,840, processing fee, administrative charges, and switch-over free, it may not be a beneficial deal.

For a shorter tenure or small remaining balance, switching banks may not give you any significant profit. Use any bank’s online home loan transfer calculator to find out how much you will be saving.

  1. What Are the Correct Collateral Adjustments?

Having something to put up as collateral is an essential part of housing loan eligibilities. When you switch banks, it is not wise to offer the whole original insurance to the new lender.

Transferring a loan is very much like taking a new loan to pay an old one, albeit with some benefits. However, the amount you owe could get reduced because of the rate of interest. It’s why you should offer a part of the original collateral or some other security which is lesser in value.

  1. How Much Will the Switching Costs Put You Back?

Transferring home loan balance is a time-taking process. The bank may also charge a processing fee or a switch-over fee. Additionally, the legal fee, valuation fee, conversion fees, stamp duty, technical costs, and any tax related to documentation.

  1. Are There Any Allied Account Requirements?

A bank may require you to create a savings account with them if you wish to avail their loan service. During home loan balance transfer, you must inquire any charges and the offered facilities regarding the same.

Also, if all your banking is managed elsewhere, getting a new account and understanding how the new lender bank operates may be a hassle you don’t want to tackle at present.

  1. What Does the Fine Print Say on the Contract?

It is recommended that you go through every term and condition if you want to avoid being trapped in the web of technicality.

If the new lender is offering incredibly low interest, what is in it for them? If it turns out to be a short-term offer for promotions, you will have a hard time proving that the bank conned you. If the lower interests are a part of teaser loans, they will get higher in the later years, knocking off chances of any savings you had planned.

  1. Don’t Hurry

Comparing your existing bank’s offers with any new lenders is also a good way to determine how good a deal you are getting. Since switching banks to transfer home loan balance takes time and clean paperwork, you must compare, read through, analyze, and take your time to come up with a decision.

Keywords: loan transfer, housing loan eligibility, takeover of loan, Loan Balance Transfer, home loan balance transfer, Transferring home loan balance,  switch-over fee, teaser loans, home loan transfer calculator.

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A Detailed Guide on Home Loan Balance Transfer

For a prospective home loan seeker, the interest rate on loan is the biggest matter of concern. The interest rate on home loans varies according to the banks. It is anywhere in between 9.8{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} to 12{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. A home loan bank transfer helps you shift the existing home loan to another bank that offers a lesser rate on interest.

It is not always the interest rate that dictates a home loan transfer; it could also be due to better services and offers. Such transfers are applicable if the customer has paid the EMI for more than 12 months with the existing bank.

The Prime Features of a Home Loan Bank transfer

  • Hassle free transfer of the outstanding home loan amount from one bank to another
  • The home loan borrower has to pay a fee to the new lender, and it is usually up to 1{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the loan transferred
  • The transfer of the home loan can be availed only after a given period, the details of which are mentioned in the original loan document
  • After the transfer, the loan borrower owes the new bank or lender the principal loan amount that was transferred plus the charges applicable

The Common Scenarios for a home loan transfer

Apart from the reduction in interest rates, there are other reasons why a borrower would want to change his lender.

  • If the current lender does not agree to negotiations on some of the terms and conditions
  • If the lender is not open to a loan top-up
  • If the borrower is not happy with the services of the current bank

Fee calculation

Loan transfers are beneficial if the borrower is in the early stages of the home loan. For a transfer, the banks charge anywhere from 0.5{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} to 1{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} as the processing fee. Sometimes the fee is a flat amount of Rs. 5,000 to Rs. 10,000.

To calculate the efficiency of a bank transfer, reduce 100 basis points if the tenure left for the loan is less than five years. Likewise, a reduction of 75 basis points should be carried out if the tenure of the loan is five to ten years and 25 to 50 basis points for 15 to 20 years.

The Process

A letter should be submitted to the existing lender asking for a loan transfer. The bank will issue an NOC or a consent letter and a statement of the outstanding amount. Once these documents are provided to the new lender, the loan will get sanctioned, and the account closure with the old bank will be initiated.

Once the transaction is complete, the new lender will get hold of the property documents, and the post-dated cheques will be cancelled.

The prepayment penalty (2 to 5{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the outstanding loan amount) that was charged by the existing lender is now waived by some banks. This can be negotiated if the bank charges the same.

Points to consider before a loan transfer

  1. Reduced EMI and a longer tenure need not necessarily mean you will be paying a lesser amount. Carefully calculate the total outflow and compare the rates of both the bank before making the decision.
  2. Apart from the processing fee, the borrower will also have to pay valuation fee, stamp duty, legal charges and technical fees as well as other combined charges. Compare these costs and analyse if the reduced interest rate makes a difference.

iii.    The terms and conditions that dictate the loan of both the banks should be investigated. Examine the pros and cons of the terms and conditions before arriving at a decision. Some banks may require the borrower to open a savings account. Such subtle conditions must be analysed

  1. A transfer can be avoided if the interest rate is only marginally better.

Most of the banks in India offer the facility to transfer the existing home loan to another bank. A home loan transfer can help you plan your finances better.

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Grandmother’s Recipes for Good Health

There is a reason why grandmothers’ kitchens always smell delicious with an intoxicating aroma of freshly baked bread or pie. It is because they are made from scratch, with locally available fresh ingredients, well balanced in nutrition, and of course with oodles of love!

More you pay for the meals, the worse they are! These are the words some grandmothers live by and with good reason. Why an expensive salmon dinner when you can get the same amount of protein from cottage cheese or red beans?

A hundred years ago, one in 150 was obese. Today sadly, it’s one in four. Experts agree that we should look into our Nana-Nani’s eating habits for healthy living.

Why start Your Day the Right Way?

Remember seeing your grandmother drinking at least two glasses of warm water when she wakes up? This and Tulsi tea with honey cleanses your system and boosts your immunity.

Our predecessors across the globe held food sacred. Having meals on time was religious than routine. Meal times affect the biochemical clock in the peripheral tissues including the muscle, liver, and adipose tissues. Skipping meals can also lead to gastric reflux or heartburn.

Why is it Important to Cook Your Meals?

It saves money. Little expenses spent on eating out can lead to a massive financial drain when in a crisis. Easy meals made at home like chicken soup and a slice of buttered bread contribute significantly towards your savings.

Chose ingredients to suit your body and lifestyle and cook them in the manner that is right for you and your family. Dangerous chemicals are added in commercial food to make it appealing and increase the shelf-life. Very often, you will find cryptic numbers listed as preservatives and colors that are harmful.

In the olden times, everyone had a role in the kitchen. It brought the family together, and children learned to respect food as well as were taught independence. Home-cooked leftovers from a meal were turned into something delicious (leftover veggie roll anyone?).

Is Exercise Overrated?

What and how much you eat have a greater influence over your general well-being. Resting calories are energy you burn when doing daily activities like sitting or sleeping. Only 25{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} are burned as active calories from exercise.

It would make a world of difference if you shifted from drinking water to refresh yourself instead of soda with all those empty calories and perhaps walked to the store instead of driving.

Our grandmothers had a heap of options to quench that midday thirst and kill hunger pangs. Lemonade, butter milk, yoghurt, fresh fruit, nuts, and raw vegetables are just some of the delicious items you can stock in your fridge that is so much healthier.

How to Start Cooking?

Simple dishes like crock pot meals with rice, veggies, lentils, fish and meat put together in one vessel saves time and effort. Boost your immune system with these tried and tested recipes from your grandmother’s kitchen:

  • Little mace in milk keeps children’s bodies warm in winter
  • Daily consumption of ginger green tea with Tulsi will keep away colds and coughs
  • Mix and consume 4-5 Tulsi leaves in honey with 2 or 3 peppercorns to increase resistance to infections
  • Almonds soaked overnight and eaten with honey is your ultimate defence against fatigue
  • Dry roast and powder 100g cumin, 100g fennel seeds, and 50g fenugreek; and have a teaspoon of this with water at night before bed.

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Father’s Day Gift Guide

They say that every child’s first hero is their father. Well, this is accurate, isn’t it? One man who has been by your side all the time, loved you and taught you all the right lessons, doesn’t he deserve a medal?

Now, that’s what father’s day is what it is all about! It is to show your appreciation to your dad for all the influence he has had on you and for helping you become the person that you are today. He has worked untiringly to see to it that you have a good life and that you get everything that you want.

He has always had your back and your best interests at heart. So, the least that you could do is devote a day to him and thank him for everything. Anyway, father’s day isn’t far away. We’re celebrating it on the 18th of June this year. Are you looking for father’s day presents or ideas for father’s day?

If you’re here, then I assume you are already looking for some dad gifts! Well, you’re at the right place because here, we talk about father’s day ideas and father’s day gifts. Read on to find out some unique father’s day gift ideas!

Help Him Catch Up with the Trend with Some Glasses

Well, if you have always despised your dad’s glasses, here’s a chance to get him an upgrade! Get him some cool frames! Plus, it would serve as a cool gift for dad!

Class It Up with a Leather Wallet

No man would say no to leather wallets! An upside is, there are, literally, a million choices that you could pick from and all of them would still be awesome!

Upgrade His Jeans

You might have already given up on telling your dad to stop wearing those old jeans. Well, this is a chance for you to get that handsome man a rad new pair! It would make a great father’s day gift.

Pour Out Your Emotions with a Card

Just say it all! The things that you have been meaning to say to him. Write your heart out! Bring out that smile with a simple card. There’s nothing like a handmade card, right? It would show that you took some time from your schedule put some effort to make his day.

Watches are Always the Classic Gift

Gift him a watch so that he’d proudly wear it on his wrist and show off to his friends what an amazing person he raised!

Get Some Spa Day Packages so He can relax

Check out some nearby spa for men and find out some good packages. Let your old man get a nice good massage this father’s day! It’s good for the body! Get some coupons and just gift them away!

Well, these are only a few off the top father’s day 2017 gifts. You could also go for things like loafers, jackets, headphones and what not! There are a billion options out there, and no one’s stopping you from exploring!

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