December 1, 2018

Town House Floor Plan | Row Houses For Urban Dwellers

By Rebecca Welch

There are many advantages to town house floor plans, particularly for renters and urban dwellers. Years ago, this type of floor plan was known as a “row house.” Townhouses are generally multi-story units that are attached to units on either side give you neighbors living closely together similar to apartment style housing. Once found in abundance in large cities, townhouses can be found all over the country.

Town house floor plans offer more advantages than apartments in several ways. Because they are multiple units arranged in a row, townhouses generally have a single entry per unit and therefore allow for more privacy than living in an apratment building. They also tend to have more square footage of living space per unit than apartments although townhouses are smaller than duplexes. Town house floor plan designs are also more varied than apartments.

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Most townhouses are arranged in typical fashion with living spaces on the bottom floor and sleeping spaces on the top floor. The number of bedrooms can vary from one to three and the number of bathrooms generally varies from one to two and a half bathrooms per unit.

While the number of bedrooms and bathrooms can vary, almost all townhouse floor plans have garages,patios and at least one walk-in closet. Kitchen can be traditional, galley style, or in the case of a very large floor plan, an island kitchen. It is also possible to have a fireplace with openings toward both the living room and kitchen giving it an old world feel.

Although townhouses are also known as “row houses”, some current configurations include one unit per side and others have two side-by-side units facing front and two more units on the back side. Whatever your choice, town house floor plans offer a wide variety of options for singles, couples and small families.

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May 5, 2018

Four Reasons To Invest In Fire Alarm Systems

byAlma Abell

It is a major responsibility to own a commercial or residential property. Keeping occupants and property safe is crucial. These losses are devastating and can make a property owner financially liable for damages. Consider four important reasons to invest in fire alarm systems for buildings and homes.

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1. Protect LivesFire is unpredictable and can happen at any time of the day or evening. When people are awake, they are more likely to see, smell or hire a fire when it starts. If the occupants are sleeping, they might not realize there is a fire. Elderly people, young children and pets can be particularly vulnerable if a fire gets out of control. A fire alarm can help to protect lives. Hearing the alarm alerts occupants and emergency responders that there is a fire. They can take action soon, and lives could be saved.

2. Reduce Property DamageIf the premises are unoccupied, a fire could rage for minutes, or even hours, without being detected. This can cause serious property damage to the contents of the home or building. Over time, it can compromise the structure of the premises or even level out a home or office. Having fire alarm systems installed can reduce the amount of property damage that occurs in a fire.

3. Ensure Early DetectionAt some point, a neighbour or passer by will notice a building on fire. But this is leaving detection to chance, which can often mean losing innocent lives and valuable property. Additionally, the stronger a fire gets, the more likely someone will get injured. This includes emergency responders who arrive to help people out of the building and put out the fire. A fire alarm ensures early detection to fight the flames as soon as possible and reduce any related problems that could occur.

4. Lower Insurance RatesHaving alarms systems can help to lower property insurance rates. Because the cost of insurance is based on risk, it makes sense that rates would be reduced for property owners who have alarms installed at their premises.

Don’t take unnecessary risks that can lead to damages, injuries and even lost lives. Contact to learn more about getting a fire alarm system for your home or business.

March 31, 2018

Benefits Of Consulting

Benefits of Consulting


Groshan Fabiola

In the ever-changing and evolving energy markets, organisations find themselves in the need for comprehensive energy trading solutions and strategies. In order to enhance their trading volume and develop complex transactions, such companies require trading systems architecture, which should be both flexible and scalable. They are faced with the challenge of maximising their business potential not only in the existing markets, but also in developing ones..

There are various aspects of energy trading and, subsequently, there are many challenges and issues facing this industry. The financial aspects of energy trading are also very important, and so are the doubts that still remain about its capacities of withstanding potential meltdowns. These are just some of the aspects of energy trading that consulting specialists have extensive expertise in.

Many energy trading organisations resort to consultancy firms for the implementation of energy trading and risk management. Keeping in mind that trading architectures are entirely different, such specialists tailor each approach so as to fit the company s needs best. Maintaining a close and active relationship with energy trading and risk management vendors is a priority for these specialists.

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Energy companies have to define and implement trading system architecture and this is where the specialised consultants come into place. Their goal is to assist the companies in this process, and they do so by providing specific services such as an overall energy trading and risk management integrator; configuration and development of solutions, reports and interface; programme management and QA, business process definition, and so on.

Providing an operating model together with the implementation of sound business processes is one of the tasks that consulting specialists dutifully carry out. Both energy companies and financial services companies require end-to-end business capabilities and only a pragmatic and value driven approach to the design of business process can provide the successful outcome and the expected benefits.

For any consultancy firm, the key to high quality services for their clients is programme management. The team of specialists providing clients with expert advice has to consist of experienced professionals equipped with the tools that their jobs require. Programme management is concerned with having the ability to offer high standard services for your clients, and do so in a timely manner. Pragmatism is an important past of programme management, and it represents an advantage that not many consultancy firms have.

The appropriate customer relationship management services, offered by professionals with expertise, can have extremely powerful results, such as increased sales conversion rates, as a result of increased customer satisfaction; lower costs at the contact centres; reduced costs for field service operations; improved sales performance, etc.

Customer relationship management services are extremely valuable in the process of integrating marketing, sales and customer service functions, as well as in that of improving sales performance. Too many companies are challenged to maintain profitability while reducing operating costs. This almost insolvable problem is an issue in virtually any industry, not just the energy and financial services arena. With customers constantly demanding more of everything, from service and convenience to personalised communications, customer relationship management is a must for those wishing to drive loyalty and preference, while making a positive impression on their clients.

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October 16, 2017

Can We Learn From The Baby Boomers?}

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Can we Learn from the Baby Boomers?


The baby boomer generation has already turned 60 (at least the oldest of them) and is undoubtedly pondering their upcoming retirement.

Are they ready?

According to a 2006 study conducted by the Center for Retirement Research at Boston University, many are not.

The study shows that median assets in retirement plansincluding 401ks and IRAsare just $60,000 for workers in their 50s. While this is not an average, this figure clearly suggests that quite a few baby boomers might be unprepared to meet their retirement needs.

Most financial planners say that retirees should withdrawal no more than 4% to 5% from their nest egg each year to try and make their money last. At $60,000 this allows for about $3,000 each year in withdrawals (not counting earnings). That isnt even enough for play money.

What Happened to my Social Security and Pension Benefits?

While retirees can claim partial Social Security benefits at age 62, most baby Boomers will have to wait until 66 or 67 before they can claim full benefits, not 65 as it used to be. Yet another bump in the rocky road to retirement.

Of course, there may be many baby boomers that are lucky enough to have a pension benefit waiting for them when they retire. But many more have experienced the disappointment of seeing their employer scrap their defined benefit pension plans in favor of the more common defined contribution style of a Profit Sharing or 401k plan. This move may have cost those relying on this benefit dearly.

Whats a Boomer to Do?

Fortunately, not all is lost. But the obvious needs to be said: If retirement savings is lacking, people will need to work longer than they expected before they decide to hang up the suit and tie.

Heres an interesting fact from the same report by the Center for Retirement Research: For every year a worker delays retirement and continues to save and invest, monthly benefits increase by 7 – 8%.

Delaying retirement for 2 years? Go ahead and tack on an additional 15% in monthly benefits.

What about 4 years? Watch your potential benefits increase by one-third! You get the idea.

Looking Ahead

There is simply no replacement for disciplined saving and investing, and its never too late to start. If youre young, start nowyoull be way ahead of the game.

If youre not as young and you feel youre behind, take heart. Revamp your budget to remove frivolous items and focus on packing away as much as possible into your retirement plans. Its a good idea to consult with a fee-based financial planner to discuss your situation. They will create investment programs tailored to your needs and will help put you on the right track.

Many baby boomers will have to modify their retirement goals and expectations to bring them down to more realistic levels. The younger generations should use this opportunity to learn and to take the time to consider where their own retirement is headed. aims to arm retirement plan investors with the knowledge needed to understand retirement plans, pick the ones suitable for them, and save and invest to ensure a fulfilling retirement.

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October 10, 2017

Bank Ratings Ratings Will Help You Find The Best Bank Around And Avoid Choosing The Wrong One

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By William Perry

Reading bank ratings can be a tremendous way of picking the right bank to do business with. All too many people just settle for whatever bank is in their area and don’t investigate at all if it’s really the best one for their needs.

Aren’t all banks the same? In services offered, many of them are similar, but in terms of customer service and many other variables, there are many differences.

Also, the quality of service can vary widely from bank to bank. The financial advisors at one bank might not be nearly as competition as the ones at another bank, for example.

Therefore, finding the best bank to do business with is a critical step to take. Here are some tips to help you find the right one easily.

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First of all, Bank of America is one of the most popular banks in the country, and they have locations all around the country, hence the name. Chances are, if you have seriously looked into the top banks around, you have at least considered Bank of America. Are they really the best?

When it comes to their customer service, they are always one of the fastest banks to respond to any issues you might have with them, which is always an important component.

Just by emailing or calling them, you can almost always get a hold of somebody very shortly, many times within the same day. They have region specific customer service numbers, so in order to find the right one for you, just check the banks in your area.

The best part about bank of America, however, is their online banking, which is really second to none. First of all, if you are concerned about security online, as many still are when it comes to online banking, you don’t really have to worry about this with bank of America.

Security really isn’t nearly as much of an issue now with any bank as it used to be, but bank of America is always towards the top of the list in this department, so if you are paranoid you can be put at ease.

Another feature they offer is the ability to set up automatic payments for certain businesses. You obviously wouldn’t want to do this with everybody you do business with, but the companies that you find yourself working with over and over, all you have to do is input their info into your account, set up a date to pay them each month, and the money will be automatically debited from your account and put into theirs without you having to lift a finger.

This is an excellent option, and one that really comes in handy with companies you work with a lot, and can save you a ton of time when paying your bills online. If you do go with Bank of America (or any other bank for that matter) you absolutely should take advantage of their online banking features, as this will save you some serious time and help you get a lot more done.

This is one of the reasons that bank of America is always towards the top of many bank ratings online.

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