Are new tracker mortgages good or bad

Over the last few months and again today I’ve seen new tracker mortgages being pushed by lenders here in the UK and it got me thinking about the current mortgage market and if these products are a good or bad thing if I had to remortgage right now?

I’ll use an example of a 2 year base rate tracker mortgage, this is an actual mortgage on offer in the UK but I won’t say which lender it is. The interest rate tracks the Bank of England base rate (at the moment this is 5 per cent) and you pay +0.98 per cent on top. So if you took out this mortgage today you’d be paying 5.98 per cent interest.

CUstomers can borrow up to 75 per cent of the value of their property and there is a 999 arrangement fee, which is fairly cheap in comparison with other fees around.

Firstly I must say it’s good to see a fairly competitive interest rate with the added benefit of a reasonable product arrangement fee. I say ‘reasonable’; personally I think mortgage fees are a rip off becuase the lender is providing mortgages to people every day, at the very least I think there should be a cap on mortgage fees. However, in today’s market a fee under 1,000 is a good start.

It’s also quite a warning sign for me that all the tracker mortgages seem to have competitive interest rates and low fees at the moment, compared to fixed rate mortgages. I say this because industry experts are predicting interest rate rises in the coming months, on-one knows when exactly of course but I’d say interest rates will rise again before the end of 2008.

This means that everyone taking out a tracker mortgage now will end up with higher monthly payments by the end of the year. It seems like lenders may be trying to attract new customers with the low fees and relatively low interest rates of a tracker mortgage rather than a fixed rate mortgage. No wonder the fees and interest rates of fixed rate mortgages are increasing – lenders don’t want people to take out these products so they’re pricing consumers out.

One thing is for sure though, everyone has a choice when it comes to mortgages.

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BIM Modeling- Adding Technical Advantages to Construction and Architecture

With the extensive advancements in technology, the process of construction and architecture have become more organized and streamlined. A highly precision and technology driven process, BIM modeling consists of steps for generating as well as managing digital blueprints of a building, irrespective, of its nature whether a factory, hotel, office or any other form of physical structure. The process of digitizing important data relevant to the construction of a building, aids decision-makers to make critical judgments and evaluations about modification across its lifespan including in habitation, operation, and demolition. It is now highly appreciated by architects, civil engineers, constructors and others occupied in construction of a building and infrastructure sector across the globe.

To carry out the entire project management in an effective manner, a BIM Manager or a VDC Project Manager takes control of the entire process. In projects, they work in co-ordination with Design Construction Team on behalf of the client. However, companies are also hiring BIMs at different stages of the project delivery and handling. Thus, the intensive level of dynamism and ease of customization provided by converting these important data into a suitable digital format, construct multifunctional structure on the surface. The engineering solutions offered by expert companies are now preferred by every construction firm for their projects.

A revelation to traditional building design systems that were initially dependent on two-dimensional drawings of building sections, plans, elevation and other parts, digitization of maps offers numerous advantages. It offers updated technology which include the 3D maps and introduction of factors such as time and cost as an essential part of the project data, the other two important dimensions to modern day digitized maps of home and offices.

It not only included, geometric calculations into building maps but also comprised of other factors as mention of surface space, geographic study, building material study, ergonomics, green building, light analysis, etc. which were neglected earlier. This provides an efficient solution for building construction in the hands of architects and engineers.

Many companies specializing in Engineering Design Services ensure that they make use of this sophisticated technology to offer customized solutions as per the construction concepts, ideas, and design requirements put forth by clients. The design tool of this building solution presents the different views of a building model for construction and other usages of the building. In this model, a slight change in a one object of the model or design, automatically, changes other dependent model and an architect do not need to break model for every change.

The author is an experienced Content writer and publisher for Business Development. Visit us to know more about Engineering Design Services, BIM modeling and Digitization of maps.

Meenakshi Temple Madurai The Best Of Dravidian Architecture

Meenakshi Sundareswarar Temple or Meenakshi Amman Temple is a historic Hindu temple which is located in the city of Madurai in Tamil Nadu. This is among the most famous temples of India which is known throughout the world for its outstanding and impressive architectural beauty. In Hindu religion temple is the place which is reserved for spiritual and religious activities that include prayers and analogous rites.
Sri Meenakshi temple of Madurai is dedicated to Lord Shiva and his consort Goddess Meenakshi (Parvati). Goddess Meenakshi is an incarnation of the Goddess Parvati who is worshiped mainly by South Indians. The utmost architectural wonder of this templeis a testimony to the affluent Dravidian Culture. Some of the prominent features of this colossal temple are:

Temple Architecture:
This temple was built by Kulasekara Pandyan around 2000 years ago. The colossal structure of this temple is among the finest preserved monuments of the Dravidian style of temple architecture. Architectural and sculptural magnificence is the aspect of this temple which makes it popular throughout the world. The temple premise is surrounded by elevated wall which is adorned with various paintings and sculptures. The main deities of this temple are Lord Sundareswarar and Goddess Meenakshi, whose sanctums are encircled by number of smaller shrines and majestic pillared halls. Among the several magnificent structures the most striking ones are the 12 gopurams which are known for their bright colors painting and decoration of stucco figures of deities, animals, monsters, demigods, and celestial nymph.

Ashta Shakthi Mandapam:
This is located at the eastern entrance of the temple which is known for its 1,008 lamp holders. During festive occasions these lamps are lighted which gives spectacular sight to this place. Pillars of this structure are known for their carvings which depict the stories related to Meenakshi’s birth and LordShiva’s Thiruvilayadals (miracles). These pillars are carved on various mythological themes which mesmerizes visitors.

Meenakshi Nayakkar Mandapam:
It is situated adjacent to the Astha Shakthi Mandapam which is known for its 110 pillars. These pillars are famous for their beautiful carvings based on various religious and non-religious themes. A figure of animal with a lions body and an elephants head called Yalli is extremely beautiful.

Porthamarai Kulam (Golden Lotus Tank): >
This is the sacred lake situated inside the temple premises, in which devotees take bath. According to the Indian mythology it is believed that Indra bathed in this tank to wash away his sin, and then worshiped Lord Shiva with golden lotus flowers from the tank. It is surrounded by the corridor which is known for its beautiful sculptures based on various religious themes. The pillars on the northern side of this corridor are decorated with 24 poets of the Third Tamil Sangam.

Some of the other well known attractions of grand Dravidian style edifice are Oonjal Mandapam, Swami Sundareswarar Shrine, Kalyana Mandapam, Aayiram Kaal Mandapam or Thousand Pillar Hall and many more.

How To Identify The Best Colorado Mortgage Companies

Several places are available for obtaining mortgage rates from different Colorado Mortgage companies. Look at the ads or scour the advanced engines online and you will find many companies offering different rates in your area. Try to find one in the state of Colorado when you are looking for the best Denver refinance rates. The homes in and around Colorado are unique and offer homes that range from modest to luxury.

First, try to find a Mortgage company that offers quotes that spell low interest rates. However, just because the company offers low rates does not mean that they are the best. It is important to ascertain that they have a reputation in the area and are not out to take your money by luring you with false quotes. You should start by examining the fees charged for the mortgage loans. Each company offers different closing costs which you should note. The terms and condition of Colorado Mortgage companies differ and therefore you should be able to make your final decision after studying these points and making comparative notes. The company you select should have excellent customer service and answer all your queries. They should be experienced in the field and help you understand the rates and quotes that are offered.

Refinance is the term that refers to the replacement of a current home loan debt with another obligation of debt with different terms. People do this to either extend the length of the repayment period or to change the existing parameter. People may prefer to pay the Denver refinance rates if their present agreement involves adjustable interest rates. Due to various reasons such as economic turmoil, the interest rates may fluctuate and this affects the mortgage interest rates. This may cause someone in Denver to refinance the adjustable rate mortgage and make it a fixed rate to enable them to pay the amount determined beforehand on the mortgage.

If you plan to live long in your current home in Denver, then you can use this option of refinancing. Call your mortgage counselor and ask them for their valued advice and guidance. They will explain the benefits and disadvantages and help you make the right decision. People in Denver are now refinancing their mortgages in the hope of getting a lower rate. Some people may use their mortgage on their property in Denver to consolidate debts. They may be able to transfer their debt from a high interest rate to a lower interest rate and save money.

There are many reasons to refinance the mortgage but it is important to know the different options and consider the pros and cons when taking one on the Denver home. Beacon Financial is a private company that arranges for loans, using money of others. They offer exceptional service and great rates including low closing costs. This is why you should select one of the best mortgage companies in Colorado to help you make a vital decision on Denver refinancing.

Liven up the living room with Coffee Tables & Accents

Strategically placed coffee tables and accents makes your living room look beautiful and appealing. eFurnitureMart.com has a wide range of modern and contemporary coffee and accent tables in various sizes, shapes, design and style. Purchase these living room tables at very low price from this online store.

Living room creates the inviting first impression for your house. It is the most lived room where you spend most of your time reading or chatting with family and friends. It is necessary that you furnish your living room the way you want them to look like. You can accentuate the look of your living room with coffee tables, accent tables and end tables that not just add convenience and comfort but also perks up the decor.

End tables: Create an impressive look by keeping end tables at the corners of the sofa. Depending on your requirement and available space, you can either choose a broad top or round end table. You can put together right set of accessories, collectibles or beautiful accents on a broad top table. If you are someone who is interested in collecting small, yet interesting accessories, then end tables give you the right space to showcase them. To make it even more functional, use it to hold magazines and books for easy reach. End tables with bold curves, hand carved legs, and minimalistic designs are sure to be a center of attraction in any room.

Coffee tables/Accent tables: Coffee tables get the most attention – whether it holds coffee mugs, photo frames with cherishing memories or a vase with fresh flowers. Accent coffee tables that are detailed with carved accents and scalloped edges can easily change the look of any room. Create a dramatic look with an artistic accent table that has oval glass tops, elegant curves, crossed flat bar. Accent tables with storage shelves give extra space either to display collectibles or for storing magazines and newspapers. While buying these tables, choose the right online site that offers quality furniture that will give you your money’s worth. eFurnitureMart is one such leading online store that provides such furniture from top-selling manufacturers. Choose from the wide range of accent, coffee or end tables available at eFurnitureMart.com at reasonable price to liven up your living room.

Architecture Of Yesteryears

Shingle style architecture is an innovative form of Queen Anne and it was originated in America during the last two decades of 19th century.This name was given by Vincent Scully, a historian of building architecture.Among the various structures in America that are constructed in this style, The Hotel del Coronado in San Diego is considered as the biggest.The houses that are built in this style are horizontal structures built up on a stone laid foundation.The asymmetrical designs and irregular construction make the building process highly complicated and as a result the cost of construction was far beyond the affordable range for common people.Thus it was considered as a luxury homes design. The roofs are more complex in this type of architecture. Many of such houses have gabled roofs with a tower in the front. A few houses have roofs that are hipped. In the gambrel form of roofs, the third storey of the building will be hidden in the roof so that the building will appear as a two storeyed building. The roof shingles and wall shingles will be in different colors. Most of the houses have towers and if a building is without tower, a part of its wall will be bulged out.

This type of architecture has the provision for more numbers of big and small windows. The windows are mostly double-hung with a single sash below and multiple sashes above. For huge walls, the windows will be in 2, 3 or more rows and there are various designs for the windows. In the most complex designs, large windows are kept in bays with 1, 2 or 3 stories. The more stylish windows will be in square, rectangular or circular shapes.Entrance with spacious porch is characteristic of this architecture.People used to relax in the porches which are supported by balusters, columns or stone supports.

The modern houses that are built in Shingle style architecture offer a host of distinctive features including natural surroundings, energy efficiency and healthy indoor atmosphere. These houses demonstrate how wood, stone and sunlight can be utilized to provide a healthy shelter.There are many holiday homes that are built in this style of architecture. Many wealthy people have constructed this type of homes at famous resorts and also at sea-side plots. Natural colors, exterior covered by wooden shingles and an asymmetric structure are the basic features of this architectural form. The other common features are big porches, irregular roofs, towers, verandas, asymmetric floors, chimneys, huge staircases and fireplaces etc.

Are you looking for Shingle style architects and luxury vacation homes, vanbrouck is the best choice. It is highly recommended from both a design and value standpoint when we were looking to home designs and build our dream home. For more information about Shingle style architecture please visit us.

Many Benefits of Using a Room Booking System

In this modern age, reservation for hotel rooms can be done through the internet. This type of online booking option makes the lives of people easier. It saves a whole lot of time and energy since the entire booking procedures takes place with some mere touch of buttons. The online booking takes place through the help of appropriate room booking system and software tools. There are different industries where room booking system tools are used for online reservation purpose. Let’s have a look at some of the advantages associated with these tools:

Speed – These booking software tools are extremely fast in processing. These tools send the requested information from the client to receiving end party within seconds via online mode. No time is wasted and situations become easier than one can even think of. Flexibility – The online room booking software tool is highly flexible in nature. It allows both the consumers as well the company to work jointly in a highly flexible manner to cope up with all the necessary booking needs.

Less chance of fraudulence – The use of online room booking system decreases the chances of fraudulence activities. When a person uses his/her personal credit card information, it gets locked into the system permanently.

Highly accurate – Such a software system is considered to be extremely accurate in terms of calculation. It has the ability to calculate exact head counts post the booking scenario.

Strong popularity – Such a type of software system helps in attracting more clients to the internet, thus increasing the overall traffic content for the website. No need of leaving home – The client need not have to leave home while making plan for reservations and carrying out the booking activity. Simply have a stable internet connection and valid credit card to carry out the booking procedure. Less chance in double booking – With the help of online room booking system, the risk and chances of double booking diminishes largely. Such a tool allows the client reservation information completely separate from the other clients. Minimal resources required – The use of software tools for room booking purpose promises higher cost saving through utilization of less staffs. In fact, such a concept helps in improving the overall convenience level of the company.

Easy comparison of the price ranges – Such a software tool allows the users to easily compare price ranges online before finalizing on the booking deals. Organizational benefits – Such a booking solution allows the user to let the associated business well organized so that handling any sort of changes becomes easier.

Reasons For Owning A Garden Office

When your home simply looks and feels too small for all your current needs then you have two options: you either move in a bigger home or simply decide to enlarge the one you have. This doesnt mean though that you should buy the house next door in order to enlarge your current one but you should simply start looking into other ways of doing this. The best solution for this problem could have a simple answer: a garden studio.

Investing in such a building can actually be a very good deal that one can make, especially because the studio can be used in more than one way. So you will not only enlarge your home but you will also have a room which you can use for a great number of things. Here are some examples of what you can use your garden studio for.

Garden office. This is probably one of the most used features of the garden studio. For those that work from home or that simply want to finish some of their paper load in the comfort of their home, this is the ideal feature. You wont be bothered by anyone and you also wouldnt bother anyone if you choose to decorate your garden studio as an office.

Garden workshop. There are many things around the house that we can do ourselves like fixing a pipe or simply redecorate our furniture. However, all the materials have to be stored somewhere and we also need a place where we can actually do the work without leaving dirty paint spots all over the kitchen floor. Therefore garden studios can be furnished in a simple manner so that one can have the space that they need for the DYI projects.

Garden guest house. All of us have had unexpected guests pop over when we least thought, therefore the need for a guest house was extremely felt. The garden studio can be simply decorate with an extensible couch, a dresser and a desk and can become the best place where you can invite your friends to spend the night. A small bathroom can also be included in the studio so your friends wont need to worry about going to the bathroom in the main house during the night.

Teenage room. You kids surely have lots of friends that come over all the time and even if you love their presence, sometime both you and them would want some privacy. With the garden studio you can create a room special for their needs. A big TV, a stereo box and a few potato cushions and they can spend their evenings with their friends undisturbed. Surely this would be a better option than having them leave the house altogether.

Home Wine Making Now Turns Simpler And Easier

Wine which is a vital part of most celebrations and ceremonies is a drink that can complement any meal profoundly. Wine making which is touted to be an amalgamation of art and science has been a home affair since long. People since olden times have remained indulge in this affair called home wine making. Changes being the only permanent thing have again revived back this culture of making wine at home. Today most people undertake wine making at home in order to indulge in a fun activity and simultaneously create wines that can help them enjoy greatly, either alone or in company.

All thanks to the array of wine making equipments and wine making supplies that have surfaced as a boon for all newbies in this scenario. Today beginners can find ideal assistance that can help them create exquisite wine flavors and in the very comforts of their home. Erasing the myth that most people till date had about wine making, wine making kits have added ample ease to this otherwise time consuming and labor intensive task.

Un-complicating the complicated task of wine making, following the set of instructions attached with homemade wine making kits can actually help in creating wine flavors just the way you anticipate. So, if you are one wishing to know how to make wine at home? Homemade wine making recipes can be your ideal escort.

Benefits home wine making offers:

As everything comes with its set of advantages and disadvantages, similar is wine making at home. Some benefits that you can enjoy while indulging in wine making at home include:

It offers you a cheaper alternative, which seems better than buying readymade wines from stores.

Also, as a matter of fact experts say that 6 bottles of homemade wine is equal in cost to one bottle of readymade wine on sale at stores.

You can experiment easily and can erase the misconception that only grapes can be used to craft wines while indulging in wine making at home.

Also, get ready to enjoy a great activity that will help you have ample fun and satisfaction.

People often say that wine making at home works as a great stress buster.

As you may have already known by now, wine making at home is not a complicated task but rather a fun activity that you will enjoy indulging in. The end products you get will simply be overwhelming and worth the wait. So, get ready to ensure a nonstop supply of wine to go with all your meals and all your celebrations while getting indulged in home wine making. For more information visit:

Garden Waste Injures Wildlife and Pets

Many of us use our gardens as a space to play around with our various hobbies. These hobbies are notorious for being dropped, temporarily left to the elements. Waste and clutter can become a big problem. It’s the kind of problem that, if neglected, just seems to compound on itself until you get to the point that it’s overbearing. One of the most restricting clutter issues you can have at home, is yard clutter. Many people will abandon rusty bikes, bags of roughage and leaves, motors and a host of other bits and pieces to the wind and rain. Of course, the primary issue you’d think is the fact that the rubbish is there. But, when you consider how dangerous it can be to yourself or children playing in the garden, the waste begins to look less like an inconvenience and more like a problem.

Outdoor waste can pose a serious risk to animals and people alike. Every year across the UK and in London, abandoned waste in gardens accounts for hundreds of thousands of pet injuries. Dogs and cats cut themselves on the rusted gears of that old bike lying beside the garage, or choke on plastic from the bin liners filled with branches and leaves. There have even been incidents of animals injuring themselves after tearing open bin liners, cutting themselves on tins and plastics. If this neglected waste poses a risk to the animals, even more so can it injure people. Getting cut on a jagged piece of rusting metal in the garden can not just cause a deep and serious wound, but transfer bacteria and infection.

That said, many of us are far too busy to even think about getting rid of waste. Whether in the garage, in the garden or in the house. Our busy lifestyles get in the way. Maybe it’s an old car you need removed and scrapped, or your overgrown back yard is full of bottles and other dangerous items. The thought of tackling these problems can be difficult. The good news is that whether you are looking a house clearance in London, or a garage clearance elsewhere, there are thousands of companies that can help you. These companies tend to deal in other areas to, like Clearance Team deals in probate in London. These companies do the full works, legally and safely, at affordably reasonable prices.