How to renovate your home without overhauling your budget

first_imgFor many, it is also the only affordable option if they find they have outgrown their home and need more space for the family. In the same survey, one quarter estimated that they had spent between €1,000 and €3,000 upgrading their home. 10% spent between €3,000 and €5,000.Many households planning on renovating their home understandably would not have this spare cash to hand. It can be tempting for them to fund the planned renovations through the credit card. However, with the high levels of interest charged, even if you clear the minimum balance, this can end up being a very pricey decision. For the cost-conscious home improver – a credit union loan is the best option, and are often approved very quickly. Indeed, the ILCU survey found that of those needing to borrow to fund their renovations, six in ten said they would use their local credit union. Other benefits to the home improvement loan include the willingness of the credit union to work with each individual borrower to structure repayments in a way that will suit their individual circumstances. There are no hidden fees or administration charges. Borrowers are also free to repay the loan early, should they wish, without any penalties. How to renovate your home without overhauling your budget was last modified: April 8th, 2019 by Staff WriterShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Financehome improvement loanLetterkenny Credit UnionRenovations Ciaran Haran, chairperson of Letterkenny Credit Union explains why a credit union home improvement loan is a solid choice for those wanting to renovate their home without incurring unnecessary debt: “We offer the loan at a great value APR rate of 8.2%**. Which means that if you borrow €10,000, you will end up paying back just €202.54 over 60 months. So it’s a very cost-effective option. Not only that, but our loans are typically approved within 2 days, so you can get started on those renovation plans right away. We are also happy to offer our loans to brand new members – so there is no requirement for you to have saved with us for a period of time before you can avail of the loan.” center_img  “So whether your plans include building on an extension, overhauling the kitchen, laying new carpets or floorboards, or just giving your home a new lick of paint, talk to us here at Letterkenny Credit Union. You’ll find we are happy to provide flexible loans of any size to suit your grand design plans!” Ciaran said. For further information please visit our website or email us [email protected] ** For a €10,000, 5 year variable interest rate loan with 60 monthly repayments of €202.54, an interest Rate of 7.95%, a representative APR of 8.25%, the total amount payable by the member is €12155.26. Information correct as at 05/03/2019  Thinking about sprucing up your home this season? Here, the team at Letterkenny Credit Union have this guide to why their affordable home improvement loans are a solid choice:Spring is officially here – and the change of season is one of the best and most popular times of year for home improvements. Home upgrading is a trend which has seen somewhat of a surge in popularity in recent years – and for good reason. A refurbishment can completely transform a home. A nationwide survey by the Irish League of Credit Unions (ILCU) found that a significant two thirds of adults had carried out home improvements between 2014 and 2017.last_img read more

Higher Corn Demand in 2019-20

first_imgShare Facebook Twitter Google + LinkedIn Pinterest By Chris ClaytonDTN Ag Policy EditorARLINGTON, Va. (DTN) — USDA sees higher corn acres, production, exports and prices for the 2019-20 crop as well as lower ending stocks at the end of the year.It’s a different story for soybeans as production and yield are lowered, but a high carryover, relatively low exports and overall higher supply will translate into continued higher ending stocks.USDA released its initial Grains and Oilseeds Outlook early Friday at the USDA Agricultural Outlook Conference.CORNProduction is pegged at 14.89 billion bushels (bb), which would be 3% above the 2018-19 crop. Yield is projected at 176 bushels per acre (bpa), “based on a weather-adjusted trend, assuming normal planting progress and summer growing season weather. And agriculture is projected at 92 million acres (ma), up from 89.1 ma for the 2018-19 crop.USDA raised feed and residual use for corn by 125 million bushels (mb) to 5.5 bb. Ethanol production remains steady at 5.575 bb. Exports are bumped up 25 mb to 2.475 bb.Ending stocks for the 2019-20 crop are projected at 1.65 bb, down 85 mb from the 2018-19 crop. The stocks-to-use ratio would fall to 10.9% for 2019-20 compared to 11.6% for the 2018-19 crop.The average farm-gate price is bumped up 5 cents a bushel to $3.65 a bushel as well.SOYBEANSSoybean production is pegged at 4.175 bb, an 8% decline from the record 2018-19 crop.The average yield is projected at 49.5 bpa, down 2.1 bpa from last year.With a projected carryover of 910 mb, total supplies of 5.105 bb will be a record volume. USDA increase domestic crush to 2.235 bb, up 18 mb from the 2018-19 crop.Exports are increased to 2.025 bb, up 150 mb from the 2018-19 crop, but still lower than most recent current years such as 2016-17 and 2017-18. USDA noted, “With rising global demand and reduced supplies in Brazil this fall, some recovery in U.S. exports is expected despite continued import duties assumed for U.S. soybeans in China.”Ending stocks for the 2019-20 crop are pegged at 845 mb, down 65 mb form the 2018-19 crop, but still historically high. The stocks-to-use ratio falls from 22.2% for 2018-19 to 19.8% for 2019-20. Still, that remains high compared to 2016 and 2017 crops.Soybean prices are expected to increase an average of 20 cents to $8.80 a bushel.WHEATWheat production is projected at 1.9 bb, up about 16 mb from the 2018-19 crop.Planted acres are pegged at 47 ma, down 800,000 acres from a year earlier. Yield is forecast at 47.8 bpa, up .2 bpa from last year as well.Beginning stocks are projected at 1.01 bb, but domestic food and seed use is expected to rise by 10 mb, as is feed and residual use, bringing total domestic use to 1.133 bb, up 20 million bushels from 2018-19.Exports, however, are projected to decline 25 mb to 975 mb. That puts ending stocks for 2019-20 at 944 mb, down 66 mb from 2018-19.The average farm-gate price for wheat is projected at $5.20 a bushel, up five cents from the old crop.COTTONCotton acreage is expected to be 14.25 ma, up 1.1% from 2018-19. The average yield is projected at 835 pounds an acre, down 3 pounds from last year.Cotton production is projected at 22.5 million bales, up from 18.39 million bales last year.Cotton exports will rise 13.3% to 17 million bales. Ending stocks, however, will increase 2 million bales to 6.3 million bales, raising the stocks to use ratio to 31%.The average farm price for cotton is projected at 67 cents a pound, down five cents from 2018-19.USDA will update its prospective plantings for crops on March 29.Chris Clayton can be reached at [email protected] him on Twitter @ChrisClaytonDTN(BAS/)© Copyright 2019 DTN/The Progressive Farmer. All rights reserved.last_img read more

Ohio Ag Net Podcast | Ep. 111 | A week of dry bales and wet field concerns

first_imgShare Facebook Twitter Google + LinkedIn Pinterest This jam-packed episode of the Ohio Ag Net Podcast, sponsored by AgriGold, covers the wide-ranging concerns of farmers in a time of prevented plant and cover crop questions, among others.On this week’s podcast, Matt, Dale and Joel talk about the recent meeting by the Ohio No-till Council at Ohio Northern, chatting with Jan Layman, Gary Wilson, and Bob Hendershot in the process. The third week of Feeding Farmers brought a talk with farmer Willie Murphy and his diversified operation. It’s also a busy time for listening sessions between the Ohio Director of Agriculture Dorothy Pelanda and farmers around the state. Pelanda, as well as farmer Christy Leeds, talks about the tough time had so far this year. All that, plus we hear from grain merchandiser Jon Scheve on the surprising June acreage report, in the Ohio Ag Net Podcast.last_img read more

7 Steps to an Energy-Efficient House: 5. Mechanicals

first_imgEditor’s introduction: With energy prices rising again, many homeowners are planning energy-efficiency improvements to their homes. But most people are unsure of where to begin, and even seasoned builders don’t always know which priorities should rise to the top of the list. Betsy Pettit, an architect at Building Science Corporation , recommends starting where you can get the most bang for the buck.Step 5: Replace your furnace, boiler, or water heaterTable of Contents:1. The Basement2. The Roof3. The Walls4. The Windows5. Mechanicals6. Appliances7. Renewable EnergyAn old furnace or boiler is often the worst energy user in an old house. Many houses built prior to 1920 still have old coal-fired boilers that were converted to gas or oil. These units are workhorses, but use a lot of energy. A new furnace or boiler can save energy dollars right away.Replacing window air conditioners with a central system also can save energy right away, as long as the ductwork is located in the conditioned space. Solar water heating is a good option to add here if you can afford it, but at the very least, upgrade the efficiency of hot-water production by coupling the tank to the boiler.This article is adapted from Betsy Pettit’s Remodeling for Energy Efficiency in Fine Homebuilding magazine. FURTHER RESOURCES:In Green Basics:Heating OptionsWater Heating Heat DistributionCooling OptionsIn Product Guide: Mechanical Systems / HVACIn Blogs: Heating a Tight, Well Insulated House Air-Source Heat Pumps Storage vs. Tankless Water Heaters Solar Hot Water Heat-Pump Water Heaters Using Your Heating System to Heat Water Improving Water Heater Efficiency Air Conditioner Basics Deciphering the Tax Creditslast_img read more

After Game 1 struggles, Cone expecting huge fightback from Meralco

first_imgLOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary LATEST STORIES Kammuri turning to super typhoon less likely but possible — Pagasa Read Next Espejo picks up another MVP Trending Articles PLAY LIST 00:50Trending Articles03:07PH billiards team upbeat about gold medal chances in SEA Games03:04Filipino athletes share their expectations for 2019 SEA Games01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games “We just got them on a night where they may be not totally prepared. They’re the number one three-point shooting team and it was an unusual night for them. Let’s give credit to our defense, but they really missed a lot of three-pointers. They’re unfamiliar with the court and the rings and whatever plays into that,” he said. “But they’ve been awesome all conference and we expect them to come back and hit their shots in Araneta Coliseum cause that’s where we all play.”That’s why Cone isn’t putting too much thought to the Game 1 win, saying it “is not representative of anything for the series” and it’s up to the Gin Kings to prepare themselves for what could be a huge fightback from the Bolts.“They had a lot of open shots, a lot of open threes and that’s what they’ve been good on all conference long, and they didn’t hit them. It’s an anomaly tonight that they missed shots, so we expect them to hit shots next game which will put a lot of pressure on our offense and on our defense,” he said. “We just got to continue to try to defend and get out on the perimeter. We didn’t do much of that tonight, but we didn’t pay for it cause they missed a lot of shots.”Ginebra shoots for a 2-0 series lead in Game 2 on Sunday at Smart Araneta Coliseum.ADVERTISEMENT Nonong Araneta re-elected as PFF president BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight Photo by Tristan Tamayo/ INQUIRER.netLUCENA — Coach Tim Cone admitted that even he was surprised with how flawless Ginebra played in its 102-87 Game 1 win against Meralco to begin the 2017 PBA Governors’ Cup Finals.“Not at all,” he said when asked if he expected this kind of game from his wards on Friday. “I thought we’ll struggle playing out-of-town.”ADVERTISEMENTcenter_img Frontrow holds fun run to raise funds for young cancer patients  Don’t miss out on the latest news and information. Typhoon Kammuri accelerates, gains strength en route to PH Brace for potentially devastating typhoon approaching PH – NDRRMC Fire hits houses in Mandaluyong City The Gin Kings played a masterful game opposite of Cone’s expectations, shooting 45 percent from the field and dishing out 26 assists as they controlled the game from start to finish.The Bolts, meanwhile, were the ones who struggled as they fired a paltry 2-of-17 clip from threes in the first half that put them in a hole early before finishing the game on a measly 39-percent clip from the field.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout“They looked a little rusty. They didn’t look real sharp. They’re coming off a four-game winning streak and a sweep of a series,” remarked Cone.While the Ginebra mentor is not taking away anything from his player’s efforts, he believes unfamiliarity with the Quezon Convention Center may have contributed to the Meralco’s bad performances. MOST READ View commentslast_img read more

Gilas yields to Canadians

first_imgTrump strips away truth with hunky topless photo tweet Church, environmentalists ask DENR to revoke ECC of Quezon province coal plant Lacson: SEA Games fund put in foundation like ‘Napoles case’ Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ Saso bows to Japanese Hotel says PH coach apologized for ‘kikiam for breakfast’ claim Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games National Coffee Research Development and Extension Center brews the 2nd National Coffee Education Congress TAIPEI—Gilas Pilipinas started its learning process in the 39th Jones Cup Invitational and crashed and burned in its debut on Saturday against Canada.ADVERTISEMENT FEU Auditorium’s 70th year celebrated with FEU Theater Guild’s ‘The Dreamweavers’center_img And after playing the team with the least amount of practice here, the Filipinos will be tossed in the fire yet again on Sunday night when they clash with the side that’s been together the longest in the tough international tournament.The Filipinos try to bounce back from a 77-90 loss to Canada when they collide with Chinese Taipei-A at Taipei Peace International Basketball Hall here with coach Chot Reyes knowing exactly the problems he needs to address to get the team back on track.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSWin or don’t eat: the Philippines’ poverty-driven, world-beating pool stars“We have to figure out ways to score against bigger opponents,” Reyes addressed international media after getting just three players in twin digits against the experienced and bigger Canadians. “My players would have to figure that out.”Another cause of concern for Reyes is the officiating, as his players were whistled for 26 total fouls that resulted in 40 free throws for the Canadians. MOST READ El Nido residents told to vacate beach homes Despite being terribly undersized, the Filipinos battled Canada to a 40-all deadlock in rebounds. They also had 14 steals but just couldn’t convert them to points.“You can tell that they (Filipinos) are working on development,” said Canadian coach Kyle Julius, a member of his national team from 2005-2007. “You can tell that they are very talented. They are hard nosed and tough.”“It’s going to be a dogfight from now on,” said Kiefer Ravena, who led the Filipinos with 12 points followed by Bobby Ray Parks with 11 points and Carl Bryan Cruz with 10.As it is, the Philippines would need to get more scoring from its talented lineup if it hopes to survive the Taiwanese.Matthew Wright scored five straight points, capped by a triple in transition from left quarter court hat had the Philippines coming within 68-60, but the Canadians came through with a 7-0 spurt that put the game away going into the final 6:45.Sports Related Videospowered by AdSparcRead Next Don’t miss out on the latest news and information. “You can’t give up 40 free throws against a quality team Reyes said.Canada, featuring a selection of stars from its National Basketball League, came over with just a pair of two-hour practice sessions but instantly showed its spunk using its size and athletic ability.Against the Taiwanese in the 7 p.m. game on Sunday, Reyes and his charges will be playing a crew that has stayed together for so long.Naturalized player Quincy Davis and the pony-tailed Wen Ting-tseng again lead the home squad that commands a noisy following.“They (Filipinos) need to learn to play with each other and the system,” said Reyes, who opened the post-game interview by praising the young Filipinos’ effort.“We played them (Canadians) pretty well in all departments, save for the free throws that we gave up.”ADVERTISEMENT LATEST STORIES View commentslast_img read more

4 days agoBianchi hails ex-Man City powerbrokers Shinawatra, Eriksson

first_imgBianchi hails ex-Man City powerbrokers Shinawatra, Erikssonby Paul Vegas4 days agoSend to a friendShare the loveFormer Manchester City striker Rolando Bianchi says he values his spell in England.The former Torino centre-forward played for City during the Thaksin Shinawatra era.He told TMW: “Shinawatra wanted to win, he didn’t want to waste time. Then he had his problems at home and was forced to sell. I knew City would grow.”I always liked him, he was always present with us when he was in Manchester, he didn’t miss anything, he treated us like a god. We were envied, the player had a single room in retreat, difficult to see in football. So the athletes can self-manage, can rest, they are small but fundamental things.”On playing for Sven-Goran Eriksson, he added: “Very great coach, able to manage the players, he made you have fun. He had an important elegance, he was old-fashioned.” About the authorPaul VegasShare the loveHave your saylast_img read more

NIDS will Create Foundation for Digital Economy

first_img General Manager, Caribbean Country Department, Inter-American Development Bank (IDB), Therese Turner-Jones, says the National Identification System (NIDS) will lay the foundation for Jamaica to become a digital economy. General Manager, Caribbean Country Department, Inter-American Development Bank (IDB), Therese Turner-Jones, says the National Identification System (NIDS) will lay the foundation for Jamaica to become a digital economy.The digital economy is the worldwide network of economic activities, commercial transactions and professional interactions that are enabled by information and communications technology (ICT).The Government is emphasising the creation of a digital society in order to drive growth, create opportunities for businesses, promote innovation and create jobs.“Prime Minister (the Most Hon. Andrew) Holness actually announced a few months ago that he would like Jamaica to become a digital economy, but you can’t have a digital economy unless there is a digital signature and a lot of our documents can be done electronically,” she pointed out.She was speaking at the inaugural Public Sector Corporate Governance Awards Ceremony at The Knutsford Court Hotel in Kingston on December 13.The IDB recently approved a US$68-million loan to the Government for the design and implementation of the National Identification System (NIDS).The loan will also cover the necessary systems to ensure the safeguarding of personal information.“I want to say that your international partners have recognised that you have come a long way, and that was probably one of the easiest meetings I have sat in at the IDB approving a loan for Jamaica,” Mrs. Turner-Jones said.“There were a lot of comments about Jamaica being a model for reform, not just in the Caribbean but in all of Latin America in terms of some of the initiatives you are taking,” she said.NIDS, which is scheduled for implementation in 2019, will provide a comprehensive and secure structure to enable the capture and storage of identity information for all Jamaicans.Under the system, each citizen will be provided with a randomised nine-digit National Identification Number (NIN), which they will have for life.Mrs. Turner-Jones pointed out that the NIDS will be the first national identification system rolled out in the Caribbean.“IDB has worked with other countries in the region on it, but this will be the first one here. There was a lot of talk about how this will help improve a lot of the social problems that Jamaica is experiencing, (and) there were many references to people with special needs and disabilities,” she said.Implementation of the NIDS is supported by the National Identification and Registration Bill, which was passed in both Houses of Parliament in November.With the US$68-million funding, the Government intends to put the NIDS infrastructure and systems in place over the next 12 months, beginning with a pilot project.This is expected to be followed by the national roll-out in September 2019, over a three- to four-year period.The layered roll-out and management of the NIDS will be handled by a new agency, the National Identification and Registration Authority (NIRA), which will replace the Registrar General’s Department (RGD) and provide more enhanced services. “Prime Minister (the Most Hon. Andrew) Holness actually announced a few months ago that he would like Jamaica to become a digital economy, but you can’t have a digital economy unless there is a digital signature and a lot of our documents can be done electronically,” she pointed out. “I want to say that your international partners have recognised that you have come a long way, and that was probably one of the easiest meetings I have sat in at the IDB approving a loan for Jamaica,” Mrs. Turner-Jones said. Story Highlightslast_img read more

COLUMN Its time for Michigan to let the sun shine in

first_img12Mar COLUMN: It’s time for Michigan to let the sun shine in This week, transparency advocates all across the country highlight the importance of open government by commemorating Sunshine Week.We all share the belief that government functions best when the sun shines in. In other words, a government must be open and accessible to the public in order to effectively serve its citizens.It’s embarrassing to note Michigan is one of just two states that still exempts the governor’s office and state legislature from public disclosure laws. Journalists and residents of our state can obtain public records from members of their local school board, township board, city council, county board of commissioners, and even state departments – but not the governor, lieutenant governor, state representatives, or state senators.Because I respect the public’s right to know, the first piece of legislation I introduced after taking the oath of office in January was part of a bipartisan plan to remove these exemptions and improve transparency in state government.I was subject to the Freedom of Information Act when I served as a member of the Independence Township Board of Trustees, and I have no reservations about disclosing similar records as a state representative. People trust us with their hard-earned tax dollars, and they’re entitled to information about how the state is spending their money.While the Legislative Open Records Act package mimics FOIA in many ways, there are exemptions for constituent inquiries to ensure that when you contact your state legislator, your information is protected and kept private.My transparency plan is a top priority in the House, and I’m pleased to report it should soon come up for a vote.The second piece of legislation I introduced will help shed light on car insurance fraud in Michigan by establishing an authority to investigate unfair insurance claims and suspicious settlement practices.Michigan drivers pay among the highest car insurance rates in the nation. Fraud is one of many factors responsible for driving up costs. Exposing it will help provide relief to families, seniors, and workers all across the state.Under my plan, the fraud authority would develop an annual report for the Legislature detailing unfair claim practices of Michigan insurance companies. It would also assess the impact of fraud and unfair claims, summarize prevention programs, and outline allocations. Most importantly, all of this information would be made available to the public through the Freedom of Information Act.Finally, I was proud to sponsor a resolution in the Michigan House declaring this week as Sunshine Week in Michigan. While commemorative in nature, it’s critical to take time to reflect on the important role transparency plays in our system of government.As the Dalai Lama once said, “A lack of transparency results in distrust and a deep sense of insecurity.”We must move forward with plans to improve transparency to help restore the public’s trust in their government.(473 Words)State Rep. Andrea Schroder is serving her first term in the Michigan House representing the 43rd District, which encompasses Lake Angelus, Clarkston, Independence Township and part of Waterford Township. Categories: Schroeder Newslast_img read more