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Whether you are planning to renovate or remodel your kitchen, it is a huge project wherein you need to consider many factors. Focus on what you need and avoid mistakes at the design stage to achieve the desired outcome. Here are some common kitchen design mistakes which you should avoid.
Conclusion Investing time to think through the entire process would go a long way in making your kitchen remodel project successful.
The industry is plagued by predatory lenders and practices designed to trap vulnerable borrowers. As a borrower with bad credit, the options for loans are limited and usually not very good. Within the available loan option, as a smart borrower be aware of the reigning pitfalls. Be proactive at the beginning of your personal loan journey thus preventing trouble along the way.
Most common pitfalls and scams to stay away from:
Roll over of the loan to another term As many people have difficulty in repaying the loan within a short span of time, the loan usually rolls over for one more term thereby making the original loan more expensive. This may also lead you to a vicious cycle of debt. To avoid this mishap always ensure that you can repay the loan in its entirety on its due date.
Astronomical APR As a borrower with bad credit, you will be eligible only for pay day style short term loans and they usually have very high-interest rates (ranging from 230% and upwards) leaning on shark loan territory. Ensure to avail these loans only in true emergencies.
Multiple fees structure Especially online lenders levy a variety of fees like origination fees and various other range of fees. Always read the offer document carefully.
Accreditation Check if the lending company is accredited by the BBB. The newer online ones are usually not. Many lenders do not offer secured loans.
Add-ons Expensive insurance add-ons that ensure that the loan is paid back if you die or get disabled, are slipped in by some lenders.
Upfront fees It is illegal for lenders to charge you fees for just filling up an application form.
Guarantees Lenders with the intention of scamming the borrower usually advertise approval of a loan without knowing your credit history, income, and personal information. This is not a legitimate lender – stay away.
Uninitiated contact Another tactic used by illegitimate lenders to lure vulnerable borrowers is by constantly getting in touch through emails and calls. This is another red flag.
Name imitations Disreputable lenders may use similar sounding names of legitimate lenders. If they have to borrow the reputation of the legitimate lender, it goes to show how unethical their practices are.
Collecting personal information Please provide your personal information only to reputed companies so as to avoid identity theft and another misuse of data.
Undue pressure Lenders may use scare tactics to pressurize you into making a deal before having considered all available options.
If you’ve always wanted to own a pair of the perfect boots, it is time you take the leap. Boots can cover the foot, ankle, lower calf, or even the thigh. The height of the heel varies from below 1 inch to over 3 inches. They are highly functional as they protect the feet and also make quite a bit of a style statement. The fashion industry comes up with newer models of boots every season. It may be hard to keep up, but you can never go wrong with a pair of simple boots. Boots are more popular in colder regions as they protect the feet from the cold, but they are worn all over the world.
Material They are generally made of either long-lasting leather or rubber. Boots available in suede are terribly comfortable. There are man-made materials like vinyl and urethane that are also used to make boots. These are less expensive, provide insulation, and are slip resistant. The choice of material is almost endless, and you will be spoiled for choice.
Classy Nothing spells class like a pair of boots. Pair it with almost any outfit and it will create an impact. They are perfect for any occasion be it a formal one or a night out with the girls.
Feels like heaven Boots can provide the same height as a wedge or a stiletto but are also awfully comfortable. Even with a small heel, boots make a person appear taller. Most importantly, they keep the feet covered and warm.
Limitless They are available in about a hundred different styles. There are the cowboy boots, army boots, and the original riding boots. They paved the way for many fashion alternatives. Styles like peep toe boots, ankle boots, moccasins, and ugg boots have become extremely popular over the last few decades. Clearly, the fashion world is not done reinterpreting this old classic.
The savior Boots were meant to protect the feet from harm during hard labor. Rest assured, they will protect your feet from sharp edges, dirt, shallow waters, and the cold.
In the long run Boots are more durable than any kind of footwear. The material keeps them from tearing and makes it easy to clean as well. A good pair of boots can be used for years to come and are an investment worth making.
All seasons You can wear boots in any weather condition. In fact, there are boots designed to withstand snow, rain, and even mountainous regions.
Timeless Boots have been around for a very long time. They are speculated to be used first in 12000 BC. From the 1500’s, they were used in combat. In more recent years, boots are recognized as an accessory to make more of a fashion statement.
They can be worn by both men and women and come in many colors and designs. The toe and heel come in different shapes and sizes. Boots are accessorized with zipping lines, buckles, fringes, and patterns. They are also available in a very wide price range. Even if it is a deep dive in your pocket, a pair of well-designed boots are worth it.