Don’t Let Your New Home Drain Your Finances

Don’t Let Your New Home Drain Your Finances

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A lot of people are under the impression that when they buy their first home, the money troubles are over. This does make quite a lot of sense. After all, if you can afford to buy a home, you will have something that you own in this world. It can make things easier if anything does go wrong with your finances because you’ll have something to fall back on which is useful. At the same time, though, you need to be aware that buying a home can lead to more issues with money. You might even find that it causes you to end up in a debt, as has been the case with home buyers before. We are brought up to believe that buying a home is an affordable possibility. But, if you’re not careful your new home could quickly become a huge drain. Here’s how to avoid that situation.

Get It Checked

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Before you even think about purchasing a home, you need to get it thoroughly checked out. It’s important that you know everything about the property from the state of the wiring to the plumbing and how old the boiler is. Homeowners with houses that need work tend to use tricks to get you to skip over these checks and buy without thinking. For instance, there’s the infamous ‘other interested party’ that have put in an offer. Or, who is looking for a quick buy? Usually, there is no other buyer at all. Instead, it’s just a mind trick to get you to buy without thinking or checking. Don’t forget, it’s your responsibility to make sure there are no issues with the home before you buy. Nine times out of ten a survey is going to show no serious issues. But you still need to make sure otherwise, you can end up with a home that isn’t worth the ground it’s built on.

Do The Calculations

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It’s not just repairs that can make a home an expensive possibility. You need to think about mortgage repayments as well. They can be a huge drain on your finances to the point where you find yourself struggling to pay off the home each month. Usually, mortgage payments are expensive if you’ve bought the house with a small deposit. To avoid falling into this trap, it’s worth using a mortgage amortizaton calculator. By doing this, you can find out exactly what you will be able to afford and what you might be expected to pay. That way, you won’t fall into this expensive trap.

Plan It Out

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Last but not least, you need to think about your plans after you purchase the property. No one buys the property and then leaves it as it is. Some people will make extensive remodels while others will invest in redesigns. That’s perfectly fine as long as you have the money saved to pay for it. Don’t ever think about using a loan for these type of changes. No sooner have you taken one out, you’ll be hit by an expensive property repair that you won’t be able to afford.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram

What’s Shadow Root Effect?

By, Tia Cristy

What is Shadow Root Effect?

Have you ever had an amazing haircut or color? I have. With my career, I’ve had to travel a lot. Years ago, I went to a salon, Jean Raymond and had an amazing hair experience. All this time later, I popped in the other day and surprisingly found the same kind of remarkable talent I did all those years ago.

Brantley greeted me with a sweet smile as he had me sit in his chair. His southern twang makes him instantly endearing, but finding out about his early career in NYC and his move to the Philadelphia area, makes him cutting edge. He decided to go with the trendy technique of root shadowing on my blonde locks. When it came to the cut. He didn’t feel the need to over-cut my hair, like some stylist have done in the past. He listened to what I was trying to achieve and made a conscious decision that he didn’t need to over-exhaust himself or appear dramatic in his snips for me to receive exactly what I was hoping for. And when it came to my blowout, there are no words!

So, what is Root Shadowing or Shadow Root effect?

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It’s a great coloring technique, bringing a crown of essence, literally, to the hair. The hair will maintain a dark crown with lighter or bolder colors down the shaft. It brings new life to seasoned trends of ombres or balayage by starting with a traditional root application and then pluck or sweep the color in. This effect makes the new growth blend in smoother and more natural, than having a blunt line. Don’t get me wrong, the options don’t have to be neutral at all. Some people are going very dramatic in their shadows with an inch or so, of shadow. Pair the shadow with a vivid color, and the results can be over-the-top fabulous.  Whether you are looking for a natural look or an iconic statement, shadowing results can be extraordinary.

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Who has been seen with root shadowing?

Celebs like Juliane Hough, Nicki Minaj, Katy Perry and Blake Lively have rocked the shadow with not just blonde locks, but with red, pinks, purples and greys.

Is it easy to maintain?

 

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Absolutely! And depending on the shadow length you are trying to achieve, touchups aren’t needed as often as regular color applications.

Thanks to Brantley, Erik and Jean Raymond for the beauty treatment. Brantley is taking on new clients at this time. If you are visiting or living in the Philadelphia, Pa. area, setup an appointment now. Haircuts start at $50 and new clients who reach out to Jean Raymond today, can get a $10 off coupon!

Check out my new ‘do’ on the Facebook!

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram

 

How to Choose the Perfect Eyewear

By Guest Blogger Diana S.

How to Choose the Perfect Eyewear

Glasses are cool. To those in the back row, I’ll repeat louder: GLASSES ARE COOL.

Except for being essential to all of us who, obviously, can’t see properly, they are also known to give a more sophisticated look, intellectual if you will. People usually perceive other people with glasses as smart, well-read and educated. If you’re scared that you’ll be seen as nerdy, come on. You’re not in third grade anymore. Even if you are, don’t listen to them. Glasses are cool!

Now, picking the right glasses can be very stressful due to several reasons. First and foremost, the price. Nowadays, glasses can be inexplicably expensive, especially if they’re branded. Don’t fall for the price. Pricier doesn’t necessarily mean better, and trust me on this one since I’m writing this with the help of my very affordable eye friends.

Now that we’ve got this covered, there’s another issue: the way they look (not the way they help you look). When it comes to this, you need to take into consideration your looks, your style, and your personality. Most of us only have one or two pairs; so, you don’t want to feel self-conscious about them every day. As far as the style part is concerned, you have to decide on your own. For a more technical help, keep reading.

Here is some advice on how to choose the perfect type of glasses according to the shape of your face.

square-faceSquare face

People with a square-shaped face should go for glasses that soften the overall looks; so, you won’t be wrong if you choose round or oval ones. This creates a contrasting effect that works fantastic. The frame design is entirely up to your taste, but you might consider a thinner, light-colored frame.

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Glasses Girl Face Eye Nose Woman

Round face

Now, this one is the complete opposite. For the round face, go for rectangular or square glasses since they too will create a contrast here. Protip: Try finding bold, larger frames to create the effect of a longer, slimmer face.

oval-faceOval face

Here, you can experiment with geometry, but make sure they are a bit wider than the area around your eyes and forehead. Unusually shaped glasses, such as hexagonal ones, can do wonders for an oval face. However, find the balance and don’t go over the top with too big glasses.

heart-shaped-faceHeart-shaped face

If you have a heart-shaped face, you can really go wild with experimenting. The only thing to bear in mind is to try and create a balance between the width of your forehead and your chin. Other than that, you can wear both round and softer, rectangular frames. Also, you might want to consider bold colors and some interesting decorations on the top part.

diamond-faceDiamond face

Shine bright like a diamond! The joke was inevitable. When it comes to a face in the shape of a diamond, you people can pull off what nobody else can. You know iconic cat-eye glasses that retro superstars used to wear? Well, you can too, since you have just the perfect face for them. You shouldn’t be afraid of colors, patterns, and decorations since that can only make the look better. Just go easy on the narrow ones. You can check out the models that Zoom Optics offer, and you surely won’t be disappointed.

As you will soon be able to see with your new glasses, these are only some general guidelines for making the ideal choice of eyewear based on the shape of your face. However, these aren’t strict rules; so, you can feel free to combine, try out, and of course, choose the ones you are most comfortable with.

 Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram

Could Your Moldy Home Be Making You Feel Sick?

Could Your Moldy Home Be Making You Feel Sick?

Have you ever noticed a few black spots appearing on the walls in your home? You may not have paid much attention to them, but if they seem to grow in vast numbers, it’s likely you’ve got a mold problem. Few people do much about mold as they feel the problem will go away if they just open the windows a few times each week.

The trouble with mold is that once it appears in your home, it can be quite hard to eradicate it for good. You see, mold is something that occurs in virtually any building around the world. Mold is a type of fungus that grows on damp surfaces or in areas of a property prone to condensation. The bathroom in your home is one prime example of an often wet location!

You might assume that mold is completely harmless and little more than a blight on your otherwise pristine walls and ceilings. However, mold can have some serious health consequences. For instance, did you know that black mold is a leading cause of asthma in people? It can also cause other respiratory problems, and even symptoms such as fatigue and “brain fogâ€!

Having mold in the home is no joke. If you spot mold, it’s time to kill it. Small areas of mold might be conquered on your own with the right products. However, larger areas will need professional Mold Remediation services to come in and eradicate the area.

Mold is tricky to kill completely, so continue reading to learn how prevention is key to eliminating mold issues.

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Where can mold grow?

Mold has a habit of showing up in places that are damp or prone to condensation. It can affect organic and porous materials like drywall, wood, and plaster. It can even form on metal in some cases.

The typical “breeding grounds†for mold in any home are:

  • Exterior walls and ceilings;
  • Bathrooms;
  • Kitchens;
  • Toilets.

In essence, anywhere that might be exposed to water is a likely source for mold in your home. It also tends to grow in temperatures around 60-80 degrees Fahrenheit (15-26 degrees Celsius).

Is there any way of stopping mold forever?

In a word, no. At least, not in a practical way! To live in a mold-free home, you’d have to live somewhere that isn’t exposed to any exterior weather and is outside of temperatures that you’d be comfortable being in.

black_mold_in_a_buildingPhoto Obtained From Wikimedia Commons

Mold is something that occurs naturally and is an unfortunate nuisance that we all have to deal and live with. The good news is that you can take steps to lessen the risk of mold cultures growing in random parts of your property. Here is what you need to do:

Read: WHY DO WATER LEAKS IN THE HOME HAPPEN?

Repair any water-damaged areas in your home

Floods are a common cause of significant black mold outbreaks in a property. If your home is near a river or the ocean, for example, it might have been flooded at some point before you moved in. For most people, water damage usually occurs from leaking and broken pipes and taps, especially those hidden inside walls or underneath floors.

As you can appreciate, the priority is to find the source of that flood damage or leaks. You’ll then need to identify the best way of fixing the problem. Often, the easy solution is to hire a water and flood damage restoration company. Take a look at Restorationeze.com to see what those firms can do to help.

If you’d prefer to DIY approach, there are a few processes that you need to go through before you end up with a “dry†home. For a start, you’ll need to repair any leaking pipes or taps. When it comes to flood damage, it’s essential to hack away at your drywall, floors, and ceilings.

fema_-_31850_-_man_cleans_up_flooded_house_with_high_water_markPhoto Obtained From Wikimedia Commons

Doing so will expose your home’s bare brickwork and floor so that you can begin the drying-out process. To do that, you’ll need to invest in some industrial water extraction machines. To all intents and purposes, they are like dehumidifiers but much more powerful!

You’ll need to take some moisture readings to determine how much water has been removed from the water-damaged rooms in your home. Once you can confirm the property is now fully dry, you can start to renovate the damaged rooms with new drywall, plaster, and flooring.

Note that if water has damaged your floor, you’ll need to replace your carpets, underlay, and floorboards. The latter is critical as the water may have rotted out the wood.

If you have an insurance policy for your home that covers water damage and flooding, you should check if you’re eligible to make a claim on it. That way, you won’t need to bear the cost of restoring your home.

cati-aktarma-onarimiPhoto Obtained From Wikimedia Commons

Plug any leaks

If your mold problem isn’t as severe as a major flood or burst mains pipe in your home, you might find the issue is down to localized leaks. These can typically occur in the following places:

  • Worn water valves on taps;
  • Fractures to water waste or supply pipes;
  • Missing or damaged roof tiles;
  • Exposed brickwork with missing rendering.

Assuming you know where the mold is in your home, you need to find out what’s going on “behind it†as it were.

That means removing any wallpaper, plaster, and drywall to expose the brickwork. Should the mold occur on an external-facing wall or ceiling, go outside and see if you can spot any obvious reasons such as those listed above. The aim is to stop water and moisture from coming into your home from any holes.

Read: HOME SWEET (AND SAFE) HOME

Allow your home to breathe

It’s vital that you allow air to circulate in all rooms of your home each day. That way, any “stale†condensated air can go outside, and fresh air can enter the inside!

When you have a bath or shower, be sure to leave the window open for the condensated air to escape. During the winter months, putting your heating system on can help to dry out your bathroom quicker if you don’t want to open your windows.

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Treat your walls with anti-mold paint

One final strategy to follow is to create a barrier between the air in your home and surfaces like walls and ceilings. Did you know that you can buy anti-mold paint to help achieve that goal? Check out caliwel.com to see an example of anti-mold paint products that you can buy.

Good luck!

​Tia and TipsfromTia.com are trying to keep you looking good and
feeling good from the inside out. If you’ve got a problem or a tip, email me! Be sure to Like and share on Facebook or Follow on Twitter, TikTok, or Instagram.

Manscaping

Manscaping with iManscape.com

When someone thinks of Manscaping they typically think of shaving below the belt. While that is definitely a part of the process, manscaping has a lot to do with good hygiene, confidence, and putting your best foot forward.
You may already manscape and not even know it. Have you ever shaved your chest or back? That’s a form of manscaping and taking care of your appearance based on your body hair. Any trimming or removing of hair on a man’s body for cosmetic effect fits the definition.
Take a look at the infographic below to see some of the benefits a little manscaping could do for you. I’m sure there’s probably some you would not have thought of!

manscaping-infographic

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram

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