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Home Design Floor Plan – How To Purchase A Home Design Floor Plan?

Regardless of whether you are building a new home, adding to an existing home, or remodeling your current home; you will need to have a home design plan. If you have experience in architectural design, you can easily design your home design floor plan. However, if you are like most, you will need to hire an architect to plan your home design or purchase home design floor plans from a reputable organization.

Home design plans are available in hundreds of designs. You can find everything from Beach House plans to Victorian House plans. Homes range in size from 900 square feet to more than 10,000 square feet and most plans can be customized to further suit your needs.

Some companies offer full-service packages, which include home design floor plans, cost estimating services, and referral service to quality home builders in your area. Other companies provide discount services or bundle packages, which allow you to purchase a set of three or more home design plans at a reduced rate.

When purchasing home design plans, make certain they are designed by professional architects who are NCARB certified. Home design floor plans need to meet nationally recognized building codes and should include the following elements:

1) Exterior elevations of the front, rear, and sides of the house

2) Interior elevations showing details of fireplaces, cabinets, built-in units, and other special interior features.

3) Detailed floor plans showing the placement of interior walls and dimensions for rooms, doors, windows and stairways.

4) Cross section detail, which show construction details of the home, insulation, flooring and roofing.

5) Roof plans showing details of the layout.

6) Foundation drawings for a crawlspace or basement.

7) Schematic electrical layouts showing the detail of light fixtures, outlets, and switches.

8) General specifications plan which outlines details of the home and property where it will be built.

Home design magazines such as Architectural Digest and Interior Design, provide many time- and money-saving resources. Oftentimes, you can locate unique home design plans by perusing the classified section of home design magazines.

Your local library can also provide you with information on every aspect of designing your own home. Oftentimes, libraries offer “Do-It-Yourself” videos on a wide range of topics, which can be exceptionally helpful if you plan on building your own home.

Plan to spend a considerable amount of time researching home design floor plans before investing any money. The Internet provides easy access to hundreds of unique ideas and beneficial information that can make your home building experience easier.

Internet Business Ideas for 2012

With the New Year just around the corner the time is now to start looking at the top internet business ideas for 2012. We are going to focus on simple businesses that you can run from home to make money. Let us also focus on ideas you can act on today. All of these ideas may not be ideal for you. Some will require you to have training beyond your current skill set. Some are easy enough to start up today. Lets get on with the list!

Professional Blogger:
What exactly is a professional blogger and how can it become your full time profession? That is a good question. In my mind, professional bloggers are people who write articles and columns about a particular topic and publish their posts each and every day multiple times a day. They make money usually from advertisements on their website. Most bloggers do not make enough money to pay for their website hosting. There are literally millions of bloggers out on the internet and to truly make a name for yourself, you need to come up with a grand idea that no one else has thought of or have the skills to attract readers to keep coming back. Popular blogging software like WordPress has made it easy for people like you and me to go online, write about topics we enjoy or are trying to promote and be bloggers. Is blogging the next great internet business idea for 2012? I doubt it. There are too many voices online to truly stand out amongst the crowd. Your competition is with professional writers as well as other amateur writers like yourself (as you get started).

Website Developer:
Do you know HTML, CSS and JavaScript? Do you love to develop cool websites? If so, then becoming a website developer could be the internet business idea you grab a hold of and run with. There are many people who work full time as website developers. There are no shortage of jobs out there for those who are good at their craft in website development. To get started with your internet business in this area, you will need to develop your skills and know how to be creative to solve major and minor issues in this field. Building up a client base is fairly difficult as well. You can start by browsing job boards and moonlighting job sites. You will be competing with extremely cheap offshore resources along with major English speaking development houses in the USA. This internet business requires a lot of skills and hard work. Time management is a plus while working as a website developer because most people are looking to get their website up and ready very quickly and on time. Be prepared to work countless hours if your next internet business idea for the new year is becoming a website developer.

Online store owner:
Why not join a program to sell your own products online in 2012? Find yourself a distributor or drop-ship provider and start your own online presence. You can get a marketplace website on Yahoo stores or some other professional site that will allow you to sell anything and everything online. Does this sound like a good internet business idea? Run your own store? If you are like me, this ideas comes with it’s good parts and it’s bad. For one thing, you will normally have to keep an inventory of products. Where will you store your products? Do you have a warehouse? Imagine what your taxes will look like in April 2012 and beyond. Becoming an online store owner does not exactly sound like a great internet business idea to me.

What if you could use all of the skills listed above and combine the good parts together to develop a new internet business idea for the new year?

Affiliate Marketing Professional:
If you know how to blog and enjoy creating web content that is interesting, affiliate marketing may be for you. If you know a little bit about website development, and have dabbled in search engine optimization, affiliate marketing may just be for you. Do you want to sell something online, whether it be a product or service but do not want the hassle of running a store front with inventory and overhead costs, then affiliate marketing is definitely the internet business idea for you!

You can succeed in affiliate marketing in many different ways. You just need to be able to devote some time to creating content and promoting your website presence to interested parties. This could be the best internet business idea for 2012 for you or someone you know.

5 FAQs on Short Term Bad Credit Loans

With gas and food prices at record highs and general inflation on the rise, the average working person with a poor credit score in today’s economy has two major concerns on their mind: how to fulfill their short-term cash needs and how to preserve their long-term financial health. Fortunately, a short term bad credit loan can help them with both.

In general, the phrase “short term bad credit loan” can refer to two types of loans: an immediately-available, unsecured (i.e., no collateral required) cash advance or 2 – 5 year loan from a bank or other lender. Short term loans are even available to people with a poor credit score (or FICO score).

Of course, short term bad credit loans tend to require higher interest payments than do other types of longer term loans and/or loans for people with stronger credit scores. At the same time, however, there is a particular benefit to taking out a short term loan: faithfully repaying a short term loan can actually improve your credit score by showing lenders that you can be trusted to pay back your debts.

Before you consider taking out a bad credit loan, here are 5 FAQs you need to consider:

FAQ #1. A short term loan may actually improve your credit score: If having a poor credit score or credit history is a concern for you, taking out a short term loan can actually help your situation. The reason for this is that a full 35% (more than one-third!) of your credit score is calculated based upon your payment history. So, taking out and then making on-time repayments to your loan can have a very positive effect on your score. In this sense, you can choose to think of the higher interest payments as an investment in your long-term financial health.

FAQ #2. The loan can be paid off quickly, saving you money: Whether your short term loan is of the unsecured cash advance kind or the secured, 2 – 5 year loan variety, the repayment period will in any case be fairly short. This shorter payoff period means that, even though the interest rate for your short term bad credit loan will be higher than it would be for other types of loans, the total amount of the interest payments you make could actually be much lower than if you took out a lower-interest, longer-term loan. This means money in your pocket.

FAQ #3. You can get a short term loan even if you have limited collateral: There are many lenders in the market today who are willing to extend you a short term loan even if you do not have any collateral (e.g., financial investments, a car, a house of for which you own a significant portion of equity, etc.). If you are in a situation whereby you need cash fast but do not have any collateral to provide, getting a cash advance-type of loan may be your best bet. The only drawback to these unsecured loans is that there is a stricter limit to the total amount you can borrow, with maximum borrowing amounts often ranging from $2,500 to $25,000 for most lenders.

FAQ #4. You can get lenders to compete for your business to give you the best rate: Given the large number of reputable lenders in the marketplace willing to extend a short-term loan to people with poor credit histories, you can actually get lenders to compete against each other to give you the lowest interest rate possible. Remember, even saving 3 or 5% off of your loan’s interest rate can mean a huge savings to you each month during your repayment period.

FAQ #5. You can apply for your loan online to get your cash more quickly: There are a great many lenders who will approve you for cash advance and other types of short term loans right online. Usually, the application process can take less than 10 minutes. Most lenders also offer a toll-free phone option for those people who prefer to apply that way.

A short term bad credit loan can be just the thing to provide you with quick access to cash when you are in need. If you select the right lender by comparing options, you will be able to get the best deal possible in terms of securing the lowest-possible interest rate. And, getting this type of loan can actually help your long-term financial health by improving your credit score if you make regular, on-time repayments.