Archive for the ‘ Financial Services ’ Category

Submitted by: JOSEPH ZAMMIT

Plantation shutters are the number one choice of most home owners, and there are a few good reasons for this. Firstly, they look beautiful, adding that understated elegance to your home. Plantation shutters are very versatile they can be customised to fit with the existing dcor in your home or office. But perhaps the most important factor is the financial aspect they aren’t too expensive and they go along with the house, adding great value to your property as a whole.

Traditionally, plantation shutters had narrow louvres which did not let in much light or provide enough ventilation. Today the trends for window treatments have changed, people prefer to have an open view to the outside and favour lots of light in the room. Being versatile, plantation shutters can be customised to fit this requirement. Additionally, they come in various styles and colours making them easy to fit in with the existing dcor, especially if you are only changing your window treatments.

Modern designs also come with a divider rail, which is a convenient feature. It allows separate control of the top and bottom sections of the shutter. The louvres at the bottom can be closed to give the room added privacy while the top slats can be left open to provide better ventilation. Shutters when closed can give added insulation in the winter months. In summer they help to keep the house cool and ventilated. In both instances, you can surely hope to make some savings on your energy bills.

Kitchens and bathrooms are the ideal places to use plantation shutters. They could be combined with sheer curtains and drapery for the bedrooms so as to give the room a comfortable and cosy feel. Of course, the front portion of the house only benefits from the beauty of plantation shutters. In other words, they are an ideal choice for the whole house.

Service providers offering window treatments generally measure out and design the Custom Western Red Cedar and shutters to fit with the windows. You can specify the size of the louvres or slats depending on the size of the room and ceiling height. The shutter panels can open at the centre and fold flush against the adjoining walls or they can be stacked up to one side according to your choice. Plantation shutters can be designed to fit any window of any size and shape. The shutter makers will build the shutters to precisely fit the window and to your specifications.

The folks at Apollo Blinds can custom design your window treatments to fit with the existing dcor in your home or office. Visit http://apolloblinds.com.au to take a look at the variety and styles available, get some new ideas for your window treatments or even get a quote. Depending on your need, Apollo Blinds will custom design Online Multi Pelmets for your home at the most reasonable price.

At Apollo we are experts in combining real craftsmanship with the precision of modern technology, to create the solutions you would like for living, working or exterior spaces.

Meticulously finished, professionally installed, designed to stand the test of time. One of Australias largest providers of Window Blinds solutions Apollo offers you the ultimate levels of living comfort, light control, privacy and style for your home.

About the Author: Apollo Blinds since 1988 specialises in custom made, affordable quality blinds, awnings and shutters for commercial and domestic. A Stylish look and feel is a big part of what makes your house a home.Visit Here For More Information :

apolloblinds.com.au/

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By James Dimmitt

If you are looking for a safe investment and you have between $100 -$1,000 to invest, you should consider a certificate of deposit or CD. When purchased through a bank, CD’s are federally insured up to $100,000.

When you invest in a certificate of deposit, you are lending your money to the bank for a set period of time at a fixed rate of interest. At the end of that time period, the bank pays you back your investment with the interest you’ve earned. The annual interest earned is reflected by the annual percentage yield or APY.

There are several details to consider before investing in a CD. First, find out when the CD will mature? Banks offer certificates of deposit with maturities ranging from 3-months to 10-years or more. Figure out how much to safely invest and how long you feel you can leave that money alone so that it earns interest. Also, make sure you get the maturity date in writing.

Second, you’ll want to know the annual percentage rate (APR) you’ll earn on your investment. Investing larger sums for longer terms usually earns the best interest. However, even a small investment can earn you higher interest than a traditional passbook savings account.

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Next, find out how the interest is compounded – daily, monthly, or annually? Daily compounding is best because it earns you more interest. You can shop for the best CD rates at bankrate.com or check with your personal banker.

Shopping on the internet, I found rates for a $1,000 1-year CD in my local area ranging from 2.96 to 3.97 APR and a 3.00 to 4.05 APY respectively. So if I invested $1,000 at 2.96 APR, at the end of 12 months I’d get paid $1,030.00 by the bank (figures computed with interest compounded monthly). That same $1,000 invested at a rate of 3.97 APR would return $1040.43.

Interest rates are usually locked in for the term of the CD, although some banks allow you to take advantage of higher interest rates by converting your CD. This type of CD is called a ‘step up’ CD. Generally, banks will only let you ‘step up’ once during the term of the CD.

What happens if you withdraw your money before the certificate of deposit matures? Your bank will impose an early withdrawal penalty, which can vary depending upon the maturity date and the amount invested. It’s important to invest only money you can truly afford to leave alone for the term of the CD.

As with any investment, make sure you understand all the terms, fees, and any penalties before you purchase.

Copyright 2005, yourfreecreditreportnow.com

About the Author: James is editor of “TO YOUR CREDIT”, a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book ‘IDENTITY THEFT- How To Avoid Becoming the Next Victim!’ and other money-saving bonuses by visiting yourfreecreditreportnow.com

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