Top forex brokers Forextime: As one of the successful brands operating within Exinity Group, we are specialists in leveraged trading, giving you the potential to generate financial returns on both rising and falling prices across FX, indices, commodities, shares and cryptocurrencies. Whether you’re an experienced trader or completely new to it. XM Broker: XM has grown to a large and well established international investment firm and has become a true industry leader. XM is currently built of more than 450 professionals with long-year experience in the financial industr. Avatrade broker: AvaTrade is committed to empowering people to invest and trade, with confidence, in an innovative and reliable environment; supported by best-in-class personal service and uncompromising integrity. Exness broker: In the past few years the Exness Group has developed at an impressive rate, and is recognized today as an industry leader. By December 2019, our clients’ monthly trading volume reached 325.8 billion USD and our active traders around the world surpassed 72,721. Currently the Exness Group offers a wide range of financial instruments, including currency pairs, metals, cryptocurrencies, energies, indices, and stocks. There are of course other benefits to owning an asset rather than speculating on the price. We also ignored commissions and spreads for clarity. But the above does illustrate the relative differences in the two methods of investing. Application As you are day trading you probably won’t hold any CFD positions overnight. Instead, you’ll likely place a high number of CFD trades in a single day. To maximise your returns you’ll want to concentrate on liquid volatile markets. CFD trading with oil, bitcoin, and forex are all popular options, for example. You can find the best forex brokers in the world and top forex brokers in the nightfxtrading.com Visit the this site to get more info about finance and forex. Nightfxtrading.com introduced those forex brokers that you can start trading with just 10$ from today. It is therefore a way to speculate on price movement, without owning the actual asset. The performance of the CFD reflects the underlying asset. Profit and loss are established when that underlying asset value shifts in relation to the position of the opening price. When trading CFDs with a broker, you do not own the asset being traded. You are speculating on the price movement, up or down. CFD Example Let us run through an example of a ‘contract for difference’ (CFD). Say you select a stock with an ask price of $25 and you open a CFD to the value of 100 shares. If buying shares the traditional way, the cost would be $2,500. There might also be commission or trading costs. However, a CFD broker will often require just a 5% margin. This will allow you to enter the same trade but with only $125. (Actual levels of leverage or margin will vary). This makes it an attractive hunting ground for the intraday trader. The risk and reward ratio is increased, making short term trades more viable. When you enter your CFD, the position will show a loss equal to the size of the spread. This means if the spread from your broker is 5 cents, you’ll need the stock to appreciate by at least 5 cents to break even. CFD vs Stock Using the above example: Let’s say the price of the underlying stock continues to increase and reaches a bid price of $26.00 If you owned the stock, your holding is now worth $2600. A nice profit – ignoring commission or trading costs the trader realised $100. However, with the underlying stock at $26.00, the CFD would show the same $100 profit – but it required way less to open, just $125. So in terms of percentage, the CFD returned much greater profits. Had the market moved the other way, losses relative to our investment would have been larger too – both risk and reward are increased.
Looking for one last nook or cranny for your dishes? Have you found yourself in your kitchen desperately needing more space for cooking? These are some typical signs that it may be time for a new kitchen. Here is a list of 7 signs that you may need to remodel your kitchen.
Counter Top Space – Are you constantly looking for space to do prep work in your kitchen? Has your kitchen island become the family’s mail room? According to the National Kitchen & Bath Association (NKBA), a Kitchen should have a minimum of 158″ (13 ft) of linear counter top space. But that’s just the minimum. Sometimes rearranging your appliances more efficiently can open up some counter top space. However if this is the case,you may want to consider removing walls to create a great room that contains your kitchen, living room and dining room. Opening walls also gives you creative options to create a kitchen island.
Outdated Appliances – Are your appliances the same as they were when the house was first built? This could be a very noticeable sign that your kitchen is starting to show its age, but more importantly could be costing you more money thank you might think. Recent advances in Green Technology have created a demand for energy efficient appliances that can save you time and money.
Kitchen Flow – You may be aware of the kitchen triangle (the distance between your stove, refrigerator, and sink) However, once again sometimes the minimum isn’t enough, especially if you there are more than one cooks in the house. Minimum aisle distances should be 36″ and the NKBA recommends 48″ in aisles if you plan on using multiple cooks in the kitchen. To create multiple cooking stations you can easily add a prep sink to create another work station. A well laid out plan should separate the cooking areas from the gathering areas of the home where guests and family socialize.
Outdated Cabinetry – If you’re living in a home built during 1970s or earlier, it probably goes without saying that you are constantly reminded it’s time for a kitchen remodel. The species of wood you choose for you cabinets set the tone of your kitchen. Choosing a new species can help update your kitchen drastically and immediately. Sometimes staining or painting is all you need to give your kitchen an updated look. Other times the damage may be to severe of the cabinet faces are really starting to show their age. Replacing cabinets usually means a complete kitchen remodel all around, but some things can be salvaged and reused like appliances or fixtures.
Lighting – Older incandescent light fixtures can give off ugly light and worst, cost you money. Recent “Green” trends in technology have created a high demand for energy efficient light bulbs. The best advancements in energy efficient lighting is the LED light. Typical light bulbs will last 900 hours, where an LED can last up to 30,000 hours. That’s 30 years at 3 hours a day. In addition, you can power 6 LED lights with same amount of energy it takes to power one incandescent bulb. LED lights are a great choice for any room in your home and can help update the feel of your kitchen.
Kitchen Location – If your kitchen is feeling like a dark closet tucked away in your home, you might want to consider opening the kitchen up. The best way to do this is knocking down walls to open up to the living room and dining room. Another alternative that may be more economical is adding a door to an outdoor patio. This can be a great way to entertain family and guests in an outdoor environment. A door opening the exterior needs to be a minimum of 34″ but this could be a good place to add sliding doors or french doors depending on the layout of your home.
Best Time for Kitchen Remodeling – Recent economic trends have lowered the cost in some areas of the remodeling industry. One area is the labor industry where costs have dropped 15-25% in some areas. Companies that have stayed healthy over the last 3-4 years have probably done so through excellent customer service. In addition, many remodeling companies have become efficient in 3D design. 3D design has become a game changer for remodeling companies and home owners. 3D design puts your in your kitchen remodel before construction begins. It also allows companies to put together accurate estimates so that you know exactly where your money is being spent. Because your dollar can go further with lower costs, 3D design, and excellent customer service, you can be sure that updating your kitchen now is a solid investment.…
Bathroom remodeling doesn’t just have to be about updating the current look of your bathroom or improving the usability. It can be a great chance for you to implement some ways to conserve water and energy, while also choosing attractive yet environmentally-friendly options to remodel your bathroom. Remodeling your bathroom while being environmentally-friendly at the same time is entirely possible. We’ve put together some great green bathroom remodeling tips that you can consider when planning your bathroom remodel.
As might be expected, your bathroom uses a lot of water, mainly for the toilet and shower. However, it is possible to reduce that figure by a significant margin which can mean your water bill shrinks as a result. The major culprit in bathroom water consumption is of course the toilet, which accounts for a quarter or more of a household’s water usage. Installing a low-flow toilet probably won’t help this, since they can often end up using more water than before due to requiring multiple flushes. However, a dual-flush toilet is an excellent alternative that allows you to minimize the amount of water used per flush – it allows you to choose whether you want to use a minimal amount of water or the maximum amount of water when flushing. As a result, a dual-flush toilet can save as much as 17,000 gallons per year. If you don’t want to replace the toilet entirely, your current toilet can also be upgraded to allow dual flushing.
When it comes to the shower, it generally does not use as much water as the toilet does, but it still accounts for 15-20% of a household’s water usage. You can cut back on this by installing a low-flowing showerhead, which uses 1.5 to 2 gallons per minute, as opposed to a high-flowing showerhead that uses 2.5 gallons per minute.
Choosing environmentally-friendly materials for your bathroom remodel is another way to go green but still have a great-looking bathroom in the end. Ceramic is a very popular green material for bathroom tiles that is attractive, durable and low-maintenance, while tiles crafted from recycled glass are also very environmentally friendly and attractive as well. Replacing light fixtures with LEDs will help save on energy costs over the long run since they use a very minimal amount of energy but can still output a good deal of light.
In addition to green remodeling materials and water-efficient fixtures, you can reduce your bathroom’s energy costs to help save money and minimize environmental impact. Your water heater can be wrapped with an insulator that helps reduce the amount of energy it needs to heat water and you can also insulate any exposed pipes connected to the water heater. It can also be a big help to turn the temperature down to 120 degrees from the standard 140 degrees a water heater is usually set at – this will still provide hot water but use less energy in the the time comes to replace your water heater, you have two excellent alternatives to a standard water heater. With a condensing water heater, almost all of the energy used goes to heating water – maximizing energy-efficiency. The other option is a tankless water heater, which heats water on demand, rather than using energy to keep water hot constantly.…
Your bathroom is perhaps the most important room of your house. But most of the time it is neglected. While you decorate your bedroom and dining space, it’s sometimes essential to remodel the bathroom too. This not only adds beauty and enjoyment to your home, but also increases the value of your home if you wish to sell it in future.
However, remodeling your bathroom is not an easy task and can be costly too. You need to consider the flooring, paint, and other essentials like the sink, mirrors, showers, bath tubs and other accessories. If you’re not careful, you could easily end up with a bathroom that’s anything but what you had wanted it to be. So, it is of extreme importance to have a good plan in place before you begin.
Hiring a reputed bathroom remodeler makes a lot of sense in this regard. Not only do you ensure a cleaner and better installation that way, but also good quality accessories and a higher level of satisfaction. Here are the facilities a good company will provide you for bathroom remodeling:
* Easy and quick installation of the Sinks and Mirrors: Perhaps you have already purchased sinks and mirrors by your own. Many companies in the market will refuse to take your project because you haven’t bought the materials from their catalogs. However that should never be a problem with reputed and honest remodeling companies. No matter where you buy the products from, they will make sure that they are installed quickly and easily in the right way.
* Constructing the floors and walls: Regular use will change the surfaces of the tiles and ceramic over time, necessitating their replacement. An experienced service provider will give you an accurate estimate on the time required to finish your project. A bathroom is an absolute necessity in the house and a competent remodeling company will make sure that you are ready to use it again as soon as possible.
* Installing the perfect showers and bath tub: In some cases, the existing bath tub is measured and a new one is fitted over it, for a very quick remodeling. In other cases, the old bath tub is professionally cleaned to make it look like new again. Make sure that your appointed remodeler is taking care of all the scratches, chips, and water stains on the bath tub and the shower area. They will also use non-harmful and non-staining chemicals that both clean and disinfect.…
Whilst the idea of completing a kitchen renovation can be a highly exciting one, there are a lot of things that you will need to take into account and understand before you even think about getting work underway. As with any renovation, there are a number of things that can go wrong in a kitchen, so it is always best to be as prepared as possible.
Settle on a budget before doing anything else But this is only part of the problem – the other (harder) part is to stick to it. When you’re completing a kitchen renovation, you’ll come across a range of items and styles in magazines and showrooms that you will be tempted to buy. Give in to these temptations and you will soon find your renovation fund empty.
Plan your kitchen renovation Whilst this seems like the most obvious tip of all, it is actually one that a lot of people tend to neglect, opting instead to just launch right in and take it by ear. You need to think about how you use your kitchen and what you hope to achieve with the renovation – is it a family space or are you an aspiring chef?
Kitchen cabinets tend to account for half of your budget The cabinets should always be one of the first things that you decide on as a part of your kitchen renovation, as they really do take a considerable chunk out of your budget.
Don’t neglect the floor There seems to be a misconception surrounding kitchen floors, pertaining that they have to be ugly in order to be functional. This really is not the case! There are plenty of kitchen flooring options out there, just ensure that you also choose one based on its durability.
Pick a theme or style This is another area that a lot of people tend to neglect during a kitchen renovation, and the result is a mish-mash of styles that is really unattractive. Decide on a theme or style for your kitchen from the beginning (such as ‘country’ or ‘modern’ and stick to it).
By accounting for all these things before beginning your kitchen renovation, you can ensure that your finished design is one that fits in with the existing style of your home, is highly functional and meets your needs to a tee. Forget or neglect to consider these things before starting, and you may find that your kitchen renovation turns into a disaster.…
Once considered purely utilitarian, bathrooms are increasingly places for rest, renewal, and self-pampering. Plan your bathroom remodel to achieve both looks and luxury; incorporate “Green” design components to contribute to a healthier setting that is more environmentally friendly and that also carries lower ongoing costs for you.
Health-focused designs maximize fresh air and natural light. This focus serves to reduce the risk of injury, as well as to identify and rectify such potential problems as molds, allergens and toxic chemicals. Green remodeling techniques are specifically designed to be durable and to create a safe environment with materials that are made from manufactured products with as few toxins as possible.
The Dangers of Mold
Mold is the number one problem for household contamination, infection and disease and the bathroom is the primary source of mold contamination.
Mold, a simple fungus, adheres to and grows on surfaces where there is a high degree of continuing moisture — often on damp floors and unsealed grout lines. Mold spores can float on mild air currents caused by simply walking into the room. Inhaled mold and fungal spores produce allergic reactions, as well as hypersensitivity to other lung irritants and infectious diseases. “Some forms of mold found indoors produce toxins which can be carcinogenic, induce birth defects, and can affect the immune system,” says David Johnston, a certified LEED contractor.
If your remodeling project is precipitated by a mold problem, pay attention to more than just the latest trend in vanity counters, shower systems, and faucets. Be sure to eliminate all mold-infested materials in the bathroom and adjacent areas after tear-out and before you begin installation.
Environmental and Expense Factors
Although bathrooms are usually smaller than kitchens, bathrooms are the largest user of critical resources – the place where most of the indoor water is used in a home, and where the highest percentage of energy is consumed.
According to the Environmental Protection Agency (EPA), the average person in the United States uses 90 gallons of water per day. Most of the water used is for bathing and showering. Additionally, a leaking faucet can waste up to 2,000 gallons in a year, and a leaking or running toilet can waste 200 gallons a day. Green remodeling offers the opportunity to consider attractively designed products and materials that reduce water consumption.
Creating a Green Bathroom
Begin your bathroom remodeling project with a design that incorporates your family’s needs. Prepare a checklist of the improvements you’d like to include.
Assess how you will most effectively reduce humidity in the bathroom. While your window may meet code requirements, is it really open all winter long, or do you need a supplemental exhaust fan?
Carefully evaluate the materials you choose. For the vanity counter, choose materials where surfaces are manufactured to resist absorption of bacteria and which can easily be cleaned without harsh chemicals.
For the shower, consider a one-piece shower pan rather than a tile pan, to reduce the possibility of mold building up in tile pan grout. Similarly, give thought to single-panel wall shower and bath surrounds.
For the vanity cabinet, select woods that are renewable and certified by the Forest Service Council.
Examine your water usage and identify ways in which you might conserve. Flow reduction devices for showers and faucets don’t interfere with good water pressure.
The newer low-flow toilets have improved greatly since 1.6 gallon-per-flush toilets first became law in 1994. No longer is it necessary to flush multiple times. The Toto Aquia dual-flush offers one button to flush liquids that uses only 0.9 gallons, and a second button for the now-standard low flow of 1.6 gallons for solid wastes. Even newer in the market are several High Efficiency toilets which only uses 1.28 gallons per flush.
A significant way to reduce energy usage is with a tank-less water heater. Tank-less or “on-demand” water heaters don’t waste the gas or electricity used to constantly keep traditional 40-to-70 gallon tanks of water at 120 degree temperatures. Another bonus is that there is no large storage tank taking up space.
Ventilating fans should be installed with timers, to enable a departing homeowner to leave the house before properly venting excess, damaging humidity — knowing that the fan will turn off in a set period of time. Consider a humidistat-controlled vent fan in rooms that don’t have adequate ventilation otherwise — the control will automatically sense the level of moisture in the bathroom and run the vent until reaching selected degrees of dryness.
Green Bathroom Remodel Check List
Consider which of these steps can work in your setting:
• Donate or recycle fixtures being torn out
• Insulate pipes that can be exposed to cold
• Install tank-less water heaters
• Install low-flush toilets
• Install low-flow, high-performance showerheads
• Install low-flow faucets
• Install compact fluorescent …
It is usually one of the first rooms we see when we get up in the morning, and one of the last rooms we see before we go to bed at night. The bathroom is one of the, if not the most, sacred rooms in our home. It is surely among the most private rooms in the home. So to take in consideration the bathroom is such a much used room, it makes sense to equip it with the most up to date fixtures and lighting you can install. Here are ten suggestions on how to make your bathroom as inviting as possible:
1. Create an entrance transition. Not counting the master bath, most bathrooms will serve several users and need to be placed in a location that is central to those users. You can create a space outside the door, such as an alcove off of the hallway that can give some privacy from your main room and high traffic areas.
2. Give the bathroom room like proportions. Many usual bathrooms are really just hallways with the fixtures that line one side of the hallway. It is hard to make a comfy room out of that shape.
3. Install a beautiful window. Bringing natural light and a nice view of the outside is very important. Think about it this way, when we go into the bathroom in the morning, most of us look out the window, that is to see how the weather is doing and provides us with a somewhat look at how the day might progress weather wise.
4. From the least intimate places to the most intimate places. This basically means that in the residential design of the bathroom, keep in mind the most intimate place should be the farthest from the door.
5. Position your shower to have a “borrowed view”. In a small space such as a bathroom, sometimes it is difficult to get a decent view to the outside from each area. A shower is a nice example since you can position the shower to give you the view that you want or need.
6. Paying attention to the vertical and horizontal dimensions is critical to have a people friendly bathroom. Certain minimum clearances around bathroom fixtures are required by every building code. You want your family and guests to have enough room to wash their hands for example without bumping into other walls and so forth.
7. Having water resistant finishes are another aspect that needs to be taken into account for. The last thing you want is for your bathroom to have a leakage problem due to poor workmanship or a poor choice in picking the correct water resistant materials to install in your bathroom.
8. Picking out and installing fixtures that really work and will last the test of time, you need to make sure that you are really getting your money’s worth. Having the peace of mind of having these fixtures installed in your bathroom will keep your bathroom looking and performing in top notch performance.…