bathroom

Small Bathroom Renovations: Designs, Ideas & Solutions

Trying to fit everything in a small bathroom and making it look good, could be tricky. Your bathroom is a small place but inhibits the most important facilities that we need in our daily life. The toilet, sink, shower, rack, and much more, everything is available in just a tiny little space. 

A person spends a considerable amount of personal time in a bathroom. Therefore, it needs to be clean, sanitized, and look good. Small bathrooms could be congested, but by simple remodeling, you can make them look big and spacious. So, we present you some tips for small bathroom renovations: designs, ideas, and solutions.

Adding Big Mirrors

When you add mirrors to a small bathroom, it makes it look large. It not only doubles the space visually but also reflects the light which makes it look very spacious. If you can’t add a big mirror go for multiple small mirrors to enhance the overall look of a wall in your bathroom.

Installing A Sliding Door

The pivoting doors can take up a lot of space and don’t allow many design possibilities for your bathroom. Hence, instead of a swinging door, go for a sliding door. It will not only look trendy and stylish but also will give you some space for implementing your creative design ideas.

Fixing An Overhead Storage

For the bathrooms which are narrow and don’t have much space, installing shelves or cabinets above the toilet or sink will utilize the space properly. Using glass shelves or bright cabinets will complement the overall look of the bathroom. You can also use a floating vanity over the sink.

Keeping It White And Bright

Painting everything in white or softer shades will make a bathroom look streamlines, crisp and clean. Bright color will not only reflect the light but also make your bathroom look big and spacious. You can keep the flooring, and walls white and go for a contrasting color for a single cabinet to add drama.

Using A Shower Curtain

Unlike a glass door, a shower curtain can move back and forth and hence save spaces. If you’re planning to install a shower-tub combo in your bathroom, go for a shower curtain instead of a glass door and you will save much space to move around.

Fitting A Wall Mounted Faucet

Fixing a faucet on the wall allows you to install a narrower sink in your bathroom.  Along with saving space, it will provide a unique and minimal look to your space. No matter what kind of sink you use, you can always opt for a wall-mounted faucet to utilize space and change the look.

When you renovate your bathroom, every inch should be properly utilized. Hence, before starting the renovation, make sure that you get only what you need. Try avoiding unnecessary expenses. A small but spacious bathroom is way better than a huge bathroom with extra stuff. If you’re still confused, don’t hesitate to contact a professional interior designer for guidance.…

new york city

Most Expensive US Cities To Live In

Quality education, job opportunities, and a better lifestyle attract people to come and live in big cities, due to which the cost of living rises. Above 80% of the American population lives in the cities. The factors that add to the cost of lifestyle are housing, healthcare, transportation, etc. 

A city is said to be affordable if the income is more than the cost of living. There are cities like LA and Honolulu that have been expensive for a very long time. Whereas cities like San Francisco and Seattle have become more costly to live in, in recent years. Considering the income and the cost of living, we have compiled a list of the most expensive US cities to live in.

New York City, New York

The city leads the most expensive cities in the world. The cost of living here is 147% more than the national average. The average price for a home in Manhattan is $2.2 million. Whether it is transport, utilities, rent, or grocery, everything in New York is very expensive.

Honolulu, Hawaii

Get ready to spend an insane amount of money if you plan to shift to Honolulu. Most of the goods transported here come by boat or plane, which adds to the cost of everything. With the cost of living 97.6% more than the US national average, Honolulu will cost you enormously.

San Francisco, California

With the growing tech industry, low unemployment rate, and high paychecks, the prices here at San Francisco are too high. To buy a home here, you will have to pay around $1.3 million. Also, the cost of living here is 94.7% more than the US average.

Boston, Massachusetts

The growing tech and learning environment make Boston an education hub. It is also one of the most popular tourist destinations in the USA with rich historical sites. The cost of living here is 48% above the national average. The residents of Boston pay big money even to buy their everyday groceries.

Seattle, WA

Seattle has been one of the fastest developing cities in recent years. As the location for the headquarters of Amazon and Microsoft, the living expenses here go very high. This city also backs up several other tech companies, which increase the average income of the citizens. The cost of living here is 56% more than the US national average. 

Los Angeles, California

The address to the glamourous world of Hollywood also has one of the busiest ports in the world. The advancement of the manufacturing industry and the cultural importance adds up to the cost of living. The cost of living here is 46% more than the national average. The value of a home is more than $682400.

Washington DC

The capital city is the house of several government professionals. The private sector and tourism also add up to the cost of living here.  The median home value here is  $617,900. However, the transportation costs are less.

There are pros and cons of living in big cities. Living in big cities is expensive but provides you a different lifestyle and facilities altogether. Adapting to a new place becomes manageable if you know about the expenses, costs, transportation, etc. …

financial planner

Reason Why You Need a Financial Planner

Something may come up in the near future that would require you to hire a financial planner. When you think of the word “financial”, what comes to mind after would definitely be money matters. Your train of thought may move further to things like budgeting, loans, taxes, insurance, etc.

From the above ideas, the conclusion would be that financial planners are experts who are qualified to help you with money management. In view of this, get ready to understand why financial planners are relevant in today’s world.

Roles a Financial Planner Can Play in Your Life

Firstly, keep in mind that you will be getting value for your money when you hire a financial planner. In fact, there is no better time than this period of the COVID-19 pandemic that seems to keep forcing countries back into lockdowns (partial or full).

It is no news that the pandemic has had major adverse effects on the global economic sphere. Many individuals and businesses have had to keep making tough financial decisions since the start of the first global COVID-19 lockdown in 2020.

You can save yourself from experiencing financial losses by contacting a financial planner that will put you on the right track away from making bad decisions. Apart from that, you will be saving yourself a lot of time that could have been used to do other important things in your life.

As a business owner, having a professional that takes care of your company’s financial plans is good for your peace of mind. Mental stress will be greatly reduced. Now, take a look at the roles that a financial planner can play in your life below.

As Expert Planners

Would you rather plan how to manage your spending on your own instead of letting someone who was well-trained for it help you? Of course not. If you can afford to hire an expert, why not? Professionals will present you with the best options, and prepare you for the worst case scenario in advance. Such collaborative efforts will yield better results than when you act on your own.

As Money Savers

Financial planners review budgets and point out where you can cut costs. You will be spending less than what you intended, and making more than what was projected. Apart from that, they will aid you in closing every loophole that may lead to you incurring business losses.

As Advisers

Financial planners can give advice like financial advisers. They can direct you on the best investment principles to follow based on the economic climate. They can also help you to build personal accountability in order to secure your future through savings and insurance policies.

As long as it is a matter that involves major money management, the services of a financial planner will be relevant to it. You will be making smarter decisions with a plan that was drafted by a professional. Of course, this will reflect positively in minor money matters. You will be paying for their services, but they can help save much more than what you are letting go.…

Top Reasons Why People Go Bankrupt

Bankruptcy statistics in the US are going up the past few decades have seen a dramatic increase in the number of people who file for bankruptcy. According to the US bankruptcy courts, more than 1.5 million people will file for bankruptcy every year.

Moreover, many bankruptcy filings are made by individuals rather than businesses. This is because bankruptcy is the solution to getting a fresh start away from financial trouble. These numbers, however, are justifiable because situations that lead to bankruptcy can happen to almost anyone at any time. 

Many of the reasons why people go bankrupt are more common than you would think. Overspending on luxury items is lower on the list than you would think. The top reasons are more down to earth.

  1. Medical Expenses– a study published in the American Journal of Public Health back in 2019 indicated that the weight of unpayable medical bills caused 66 % of all bankruptcies in the US. Moreover, 72% of these people hand medical insurance covers which. This goes to disprove the theory that only the uninsured will go bankrupt due to medical bills. 
  2. Job loss– whether it is termination, getting laid off, or resignation, losing the income from a job is disruptive to your life. Bankruptcy rate increases with job loss as you will be forced to pay for expenses without a stable income. Plus, if you do not have a proper signs account that you can use to pay off bills until you find another source of income, you increase your chances of filing for bankruptcy. Unfortunately, statistics have shown that three out of ten Americans do not have savings accounts. 
  3. Unexpected expenses– unexpected expenses are just that, unexpected. Loss of property in the event of an earthquake, flood, or any other natural disaster where the owner is not insured can force some into bankruptcy. Many people do not have adequate coverage for such events and are more likely to lose a lot. They will have to replace items, find immediate shelter, food, and more. 
  4. Divorce or separation– marital disagreements bring in a lot of costs even before you factor in the price of a divorce lawyer. The legal fees are followed by alimony, degree of child support, division of marital assets, and finally, the cost of keeping two households afloat. It may also mean that you would have to take a portion of your partner’s debt if you co-signed on something or had a joint account. The combination of these debts can become unmanageable very quickly, and many spouses end up filing for bankruptcy. 
  5. Student loans- if you have not yet paid off your student loans, you are not alone. Statistics show that inability to pay student loans account for one percent of all bankruptcies a year. This means that roughly 15,000 bankruptcies every year are as a result of student loans. 
  6. Foreclosure– finally, one of the most common solutions for people facing foreclosure because they were unable to keep up with mortgage fees is bankruptcy. Approximately one percent of all bankruptcies each year are done to prevent foreclosure.