Archive for Loans

Sep
04

Greenhouse effects: Freecycling

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One of the principal environmental challenges we face is finding ways to reduce our demand for natural resources while at the same time cutting the amount of waste we produce. In England, we already have a shortage of landfill space, and this is set to worsen as EU environmental rules demand that we dispose of less waste via this ecologically damaging route (and not a moment too soon).

A lot of the rubbish that goes into holes in the ground or incinerators
needn’t be thrown away, if only new owners for everything from carpets to chairs, curtains, toys and doors can be found. One good way to divert household material away from landfill and to a new home is via the Freecycle Network. Freecycle is a web-based community of people who use the internet to swap perfectly good items that might otherwise be thrown away. Read More→

A passion for sports and the capacity for hard work dictated where the MacGeoch family made their home — and it is the reason why they are leaving it. The family are moving from Drumuillie Lodge, in Boat of Garten, near Aviemore, to somewhere less remote so that 11-year-old Calum can develop his talent for tennis.

Norman MacGeoch gained his love of sport when a teenager living in mountainous Strathspey 40 years ago. He was a keen skier, and whenever there was snow he headed for the slopes above Aviemore. But even then he had the instincts of an entrepreneur. Why, he wondered, did ski hats not carry logos? It seemed such an obvious idea. So, together with a friend he set to work, cold-calling likely sponsors, knitting hats then selling the finished product from a rucksack at the top of the chairlift. “It took off like a rocket,” he says. “We even got Prince Charles to wear one with a Union flag design.” Read More→

The clip-on revolution, you might think, ended long ago with sunglasses, ties and earrings. But it is stirring once again in a housing market stifled by recession and facing the need to become more sustainable.

Jim Whiston and Elaine McFarland have just gained an extra room at their traditional stone villa in Ardrossan, Ayrshire — and the neat, black box is the prototype for what could one day be a mass-produced, “clip-on” extension.

The clever structure may be the sustainable alternative to the conventional extension, since it provides a cheaper, greener alternative to demolition when there’s a change of owner — or a change of heart. Read More→

There are hundreds of debt consolidation companies that will help you pay off your bills by lowering your payments and interest rates, one of them you might know is student loan debt consolidation. For a fee they will put you on a debt consolidation program to systematically pay off all of your debts. What if you are about to lose your home to foreclosure?

This is where you may want to find a bank or lending institution where you can get your home re mortgage even if you have bad credit home mortgage loans to catch up on your back payments and pay off your outstanding debts. Read More→

Categories : Loans, Personal Finance
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Aug
29

Beyond the brochure: The Old Granary

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I am writing this in a coffee bar in the leafy west London suburb of Barnes. Sitting at the table next to mine are a middle-aged couple and their fresh-faced, beautiful daughter, who has failed to achieve the grades required to get into her chosen sixth form. She is being very brave about it, and her parents are doing a stunning job of putting a positive spin on things.

They seem to agree that the problem, if there is one (and nobody’s exactly admitting there is, because the school she’s at is very lovely, too), lies with the beautiful girl’s very slight psychological difficulty when it comes to sitting English exams, at which, on this occasion at least, she has clearly failed to excel. Read More→

Categories : Business, Loans, Management
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Aug
29

The downsize dilemma

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When we mentioned to a status-conscious dinner guest that we may be selling our five-bedroom Cambridge home and downsizing, she almost choked on her crouton. She was too polite to say anything — but we knew what she was thinking was: “How could they?”In certain circles, I discovered, the topic of moving down the property ladder can be a real conversation-killer. What might, in more buoyant times, have been considered a smart money-making move, now smacks of unseemly panic.

Downsizing, it seems, has become the fourth “D” — taking its place alongside
divorce, death and debt as one of the few causes of activity in our ossified
property market. Read More→

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