Category Archives: Home Mortgage
Cheap Tiles Are a Great Way to Have a Quality New Floor in Your Home
Many do not understand the cost of having a new floor put in their home. They think that this is going to be a huge investment and that they may need to take out a second mortgage or go with less quality materials when putting in a floor. There are many styles of cheap tiles that will offer a nice looking floor without spending a lot of money.
The most common type of cheap tile is ceramic. This product is durable, yet will cost less than $ 1 per square foot in most instances. If you have a room that is one hundred and forty four square feet then you would only need $ 100 to purchase the tiles to do this room. Of course you will need the grout and other materials, but this is still a great price.
By not hiring a contractor to put in the tiles, you will make the job more cost effective. Most any person can install their own tile floor by watching an instructional DVD that will teach them how. Those who have never done this type of work can still put down their own tiles that look like a contractor laid them in.
If you want to make your room look more uniform, you can use a smaller tile on the shower or kitchen walls that would match the cheap tiles on the floor. Many styles and colors come in different sizes to fit whatever tiling need that there is. By using a different size you will create conformity with a difference.
Porcelain is another material that is used to make cheap tiles. There are two types of porcelain tiles. Once is glazed and the other is the typical finish that is put on tiles. Glazed porcelain would not make a good tile for the floor but would work great on other areas that you would want to have tiled.
You can use the regular tiles to be laid for the floor. Some may want to use both types, one on the floor and the other on the walls to keep the flow of the room going. You can install a cheap floor that is beautiful to look at.
If you would prefer not to put in your own floor you can always hire a professional to do the job for you. Since the money is being saved on tiling the cost of a contractor will not be as much.
These are not the only two types of cheap tiles. Those that do their homework and research will find the perfect tiling for their home and also their wallet. There is no need to break the bank when you are trying to put down new flooring. Cheap linoleum should never again be used as the be all end all cheap flooring. The only decision that needs to be made is how much you want to spend and what type of cheap tiles will fit this budget.
Decoding Financial Gobbledygook
Thank goodness for the proliferation of Internet websites on loans. They have made life so much less complicated for all those lesser mortals who find it so tough to understand (so-called) simple concepts like redemption penalties, collateral, secured homeowner loans, unsecured loans, and so on. I no longer have to look to friends in the finance field to advise me on what loans to take and what not to. The world being driven by the cyber world these days, everybody has to learn to think for themselves. It was while trying to sift through the financial jargon that passes for English on the cyber world that I found the answers to many of my queries. Of course, I had to look through almost a dozen different websites and spend a couple of hours before finally reaching a complete understanding of the words that loan companies try to get our business with.
For starters, I managed to find out the difference between secured homeowner loans and unsecured loans. Now, secured loans of any kind are usually secured against some asset. Most often, this asset is a home. On the other hand, unsecured loans need no such security, which is one reason why the time taken to get hold of an unsecured loan is reduced considerably. After all, you could be giving the name of any property anywhere in the world and proclaiming that it is your own. Obviously, that is not going to work. So, you have to provide several documents to prove to the loan providers, that the property is your own. Most people who already own homes resort to secured homeowner loans because, in spite of the paperwork required, such loans are quite easily managed.
Finally, I understood what is meant by the term “collateral” (also a Tom Cruise movie). “Collateral” basically is the term used to mean “security”. So the house that secures the loan for you, works as your collateral. In case you are unable to repay the loan on time, you will have no choice but to bid goodbye to your home.
As regards an unsecured loan, it becomes easier to get one if you have a good credit history. People who do not have a history of good credit are usually treated like prodigal sons. They are made to pay quite a high rate of interest, getting loans is that much more severe, and in general, even getting a loan is a task and a half. But now that you have understood some of the concepts, you will find it easier to weigh and evaluate each loan.