Upkeep for All Types of Home Furniture

Furniture is made to be lived on. It is made to be sat at or on and slept on, many choose to have their feet on it, allow pets to climb on, or it may even get eaten and drank on (even if this was not its original intent) and in many cases all of the above takes place on the furniture. Surely furniture was not made to sit in a room and be looked at, it is intended to be used and fully functional. By using these items they can become dirty or damaged and most will require some type of up keep.

No matter what type of furniture one has it should be able to be cleaned or repaired for a minor cost and supplies. Cleaning and repairing furniture oneself can add to the overall life of the furniture and increase the likelihood it will not need major repairs or replacement in the near future. All types of furniture, from concrete to wood and even upholstered can be easily cleaned or repaired with a few simple steps.

All furniture should be cleaned thoroughly from time to time. This can help clear off oils and other dirt or grime that may over a long period of time be damaging to the furniture. Finding a good cleaner that will not be damaging to the furniture is important.

Most mild detergents are appropriate for upholstered furniture. Wooden furniture will need special cleaner. Excessive water can be damaging to the finish on wooden furniture and its fibers so often special cleaners will not involve a great deal of water or excessive soaking. Concrete furniture also requires a mild cleaner, ammonia or vinegar can be damaging to the finish on these. It is recommended that they are cleaned with a mild soap mixed with water and applied using a gentle scrub brush.

Repairing furniture is also vital to its overall life. A small tear or crack can quickly turn into a much larger one that requires a great deal more repair or possible replacement of the item. Have supplies on hand to repair these is often a good idea because damage could happen at any time and being prepared will help keep it from getting worse.

Upholstered furniture, depending on where the tear is, can usually be sewn back together. A tough industrial type of thread is recommended, however lightweight fishing line can also do the trick, though the ends will want to be sure to be tucked away to keep the ends from scratching anyone who sits on it. Wooden furniture is trickier to repair and requires great care while repairing. Usually wooden furniture will break at the joints and by gluing pieces and clamping them back together will repair the piece. Just allow adequate time to dry before removing the clamps.

Concrete furniture is a little more involved when repairing, however if done properly can be left looking as good as new. Concrete is much more durable than traditional materials, therefore should not require the amount of repairs that other furniture may need. Having materials to repair concrete on hand will also ensure that it can be repaired almost immediately after it has been damaged. Concrete repair kits are available and most of them contain a paste for repairing concrete and a finish to put over the concrete once it dries. The key with concrete repair is to be as concise as possible and ensure the repair is smooth to make it look as close as possible to how it did before the repair.

No matter the type of furniture a home contains it is easily kept up with a little cleaning and taking care of repairs as they are needed. Whether concrete, wood, or upholstery there is a type of furniture for all preferences and owners will be sure to get enjoyment out of their pieces for many years.

Local Beach Vacation Travel Planning

Some would say there is nothing better than sitting on a beach looking at the beautiful ocean dreaming of owning their own little Tahiti style bar on the beach and never leaving. But for someone like myself, the beach is over a thousand miles away, so when I want to go to the beach I must plan, and plan well, The first thing that has to be figured for a beach vacation out is what time of the year it is and what is going to be the best place for you.

Do you have a family? Or are you cruising the road with a buddy? Are you going to be staying at a motel or a fancy resort? All these and many more are factors when planning a beach vacation. Were you want to go plays a vital role in your plans, east coast, west coast, the gulf, all with a different vibe and feel. Trying not to plan your vacation during a high volume traffic holiday would be a lot more difficult than planning your vacation during slow periods, and sometimes even get a better deal on your tickets or hotel rooms.

Folly beach is a favorite of many, nicknamed the edge of America the Folly beach area is full of art and great food, not to mention beautiful scenery and lots of activities. It has it all, from fishing tournaments to moonlight mixers and concerts on the pier. This one in South Carolina is a must see for the beach advocate.

In 2008, Triple A company performed a survey stating that a vacation for 2 people traveling in North America is around $222 a day, including lodging and meals. While there are many web sites to choose from to get deals on traveling and hotel stay, making reservations in advance is always a plus. And of course staying in metropolitan areas will, more than likely, cost a little bit more.

It is all worth it when you’re laying there soaking up the sun and relaxing like never before, getting sand in your toes and collecting sea shells to take home and show off to your friends and family. So next time your craving some salt water fun, don’t forget that the beach is only a few preparation steps away. And don’t forget the sun block.

A Peer To Peer Loan Can Fund Your New Small Business

If you’re trying to start your own small business, you likely already know that it’s nearly impossible to be approved for a bank loan to secure the funds you need. With increased regulations and stricter lending standards placed on banks after the 2008 financial crisis, they simply aren’t handing out loans to aspiring small business owners like they once were. Thankfully, other avenues have opened up for determined entrepreneurs ready to fire their boss and secure their financial futures.

In fact, last month, Prosper and Lending Club, the two largest peer-to-peer lending sites, were responsible for more than $280 million in loan originations. The rise of peer-to-peer, or P2P, lending has been well-documented, and it’s estimated that the burgeoning industry has generated more than $3.4 billion in loans since being launched in 2006.

While the majority of the loans issued by these sites are used for debt consolidation, Lending Club, Prosper, and other peer-to-peer lending networks also provide credit for small businesses, offering them an additional borrowing option that didn’t exist a decade ago. By matching entrepreneurs and ordinary individuals with investors, peer-to-peer lending networks are able to take banks and middlemen out of the equation, providing low, fixed-rate loans to people to be used however they want.

Thus, if you’re seeking capital to start a small business, peer-to-peer lending has become a premier funding solution.

Who Qualifies for a Peer-to-Peer Loan?

The majority of peer-to-peer lending networks don’t provide business loans. However, if an entrepreneur or a potential start-up needs a loan to pursue a business idea, they can borrow as an individual. Instead of the loan being issued to a business entity, it is issued to an individual, and he or she can use the funds however they want. The loan will simply be categorized as personal debt.

While this is true for most peer-to-peer lenders, peer-to-peer lending networks specializing in funding small businesses in need of $35,000 or more now exist as well. Therefore, budding small business owners can turn to peer-to-peer lenders for any of their financial needs.

Understanding Peer-to-Peer Lending

Peer-to-peer lending is similar to eBay. You simply set up an account at one of the peer-to-peer lending networks, such as Lending Club, read the site’s borrowing guidelines, and review the types of loans they fund. Although Lending Club and Prosper don’t officially provide business loans, they do fund entrepreneurs looking to start a small business.

After registering an account, you simply enter in the loan amount you’re looking for and the maximum interest rate you are willing to pay. Once your listing is created, investors will begin sending you bids stating the amount they’re willing to lend you and the interest rate they would like to charge. As with any type of lending or financing, the higher your credit score, the better.

It’s also important to note that you need a credit score of 640 or above to receive funding from most peer-to-peer lenders. If you have a good credit score and history, you may receive a lower interest rate than you expect, because unlike traditional lenders, peer-to-peer lenders provide loans starting at only 6.78 percent.

Best of all, the monthly payments and interest rate are fixed, and the interest rate is amortized as well. There is also no prepayment charge, so you can pay off your unsecured small business loan as soon as you want without penalty.

As mentioned earlier, since you may need more than the $35,000 maximum loan amount offered by most peer-to-peer lending networks, some peer-to-peer lenders, such as Dealstruck, are now specializing in providing larger loans of $100,000 or more to the small business market. Typically, sites like these offer two to five-year loan terms with low interest rates starting at only five percent.

The Cost to Peer-to-Peer Borrowers

Businesses often find that borrowing from a peer-to-peer lender is much cheaper than borrowing from a bank, because there is no middleman involved. In addition to having more overhead, banks are still struggling to recover the money they lost during the financial crisis.

This added financial stress trickles down to borrowers in the form of higher interest rates, if they are able to get a loan at all. Since peer-to-peer lenders compete with one another to provide you with the loan you need to start your business, you’re able to benefit from the lowest interest rate possible.

From Dream to Reality: Rob’s Story

Two short years ago, Rob Strong dreamed of opening his own landscaping business. Although he pinched pennies and saved for years, he still found himself in need of additional funding to purchase the equipment necessary to finally launch his dream of being his own boss.

Sick and tired of fattening someone else’s pocket each day, one day Rob decided enough was enough. Unfortunately, he still needed $10,000 to buy all of the necessary equipment, so he went to his bank with the business plan; he spent hours upon hours completing in order to get a small business loan for the money he needed. Despite banking there for years, the banker denied his application because his credit score was only five points below the threshold.

“What am I going to do now?” he asked himself. Luckily for Rob, he was browsing online two days later and ran across a major peer-to-lender. “It’s worth a shot,” he thought. After spending five minutes filling out the application and setting up his profile, he turned his computer off and waited. Two days later, Rob signed in and was shocked to see that 50 investors had provided him with bids. The next day, he received the full amount he needed.

Two years later, Rob’s landscaping business is in full swing. He now has 20 employees and earns six figures a year while “working” 20 hours a week.

There are thousands of people who share Rob’s story. Thanks to peer-to-peer lending, people across the country have been able to achieve their dreams of becoming small business owners. With the peer-to-peer lending industry growing each day, thousands more are sure to become small business success stories as well.

What Kind of Career Will I Have With an Online Education Degree?

While having an education degree is valuable in traditional areas such as elementary, middle, and high schools, you can also get a job in other fields with an online education degree. People with education degrees work in many different places, such colleges and universities, libraries, and hospitals.

Online education degrees provide the knowledge and training that all teachers need to make a positive contribution to the organizations they work for. Keep in mind that this is a broad overview, and that a more specialized degree, such as a Masters degree in Special Education, goes more in-depth.

Every year, more than one million college graduates enter the workforce. This means that every single person hunting for a job faces stiff competition from other grads. People who have their online education degrees have the competitive advantage over people who don’t have an education degree. They obtained the education needed to meet employers’ expectations: they have an established knowledge of educational concepts.

Education degrees will prepare you for entry-level careers in education, such as elementary, middle, or high school teaching positions. If you are already in the workforce, then an education degree can help you advance your career. If you are thinking about a career change, then getting your online education degree can help with that as well.

People with online education degrees have jobs in many different areas. The need for qualified educators is growing, and schools around the world are snatching them up as fast as they can. If you have a passion for helping people learn, then you will find a job with a degree in education.

Some examples of employers who hire people with their online education degrees include:

  • Elementary, Middle and High Schools
  • Colleges and Universities
  • Churches
  • Consulting Firms
  • Day Care Centers
  • Correctional Facilities
  • Hospitals
  • Libraries
  • Non-profit Organizations
  • Preschools

You’re probably wondering “what are some of the specific jobs people with online education degrees have?” In reality, there are too many to name, but some examples are:

  • Child Care Administrator
  • Elementary School Teacher
  • Athletic Coach
  • Teacher’s Assistant
  • Professional Tutor
  • Corporate Trainer
  • Middle School Teacher
  • Preschool Teacher
  • Special Education Teacher
  • Preschool Teacher

Many people also choose to continue on to graduate school. In order to have a career in administration in an educational setting, a Master’s degree is a must. Some grads go to graduate school right after receiving their education degrees, but many more choose to work for a few years first. Either way, getting your Master’s degree in education is a great way to ensure a long and lucrative career.

Some jobs that people with a Master’s degree in Education hold include:

  • Principal
  • School Administrator
  • School Superintendent
  • Guidance Counselor
  • Speech and Language Pathologist
  • Vice-Principal
  • Curriculum Director
  • After-School Program Director
  • Educational Writer
  • Reading Specialist

As with most other competitive fields, it helps to have real world experience before graduation to stand out from the competition. People who have internships, job experience or volunteer experience under their belt along with their education degrees are more likely to get hired right after graduation than those who just have their degree.