Bangalore is the capital of Karnataka and is a major tourist and business hub. In fact, Bangalore is the IT capital of India with many software companies establishing their base here. It also has several tourism options and therefore receives a good number of tourists in the winter months. There is no shortage of hotel accommodation options in Bangalore. 3 star hotels are a good bet as they are not very expensive. And the best part is that these 3 star hotels in Bangalore are worth the money spent on them as they have all the modern comforts and facilities that you will need in the hotel and in the hotel room.

The 3 star Bangalore hotels ensure that your stay is comfortable. Interiors are relaxing and lobbies are spacious. Most of the hotels are located in the city center from where it is easy to reach anywhere in Bangalore. You will also find many 3 star hotels near Bangalore airport. These are perfect stay options for business travelers or travelers in transit. All rooms are very spacious and modern. They have modern facilities such as cable TV and telephone. Some of the hotel rooms also have a small refrigerator. The attached bathrooms have hot and cold running water 24 hours.

Additional services include laundry and doctor on call. Some Bangalore 3 star hotels also have a swimming pool. You can even enjoy a coffee or drinks at the cafeteria or the bar, respectively. The bar is well stocked with Indian and foreign spirits. The view from some of the hotel rooms is excellent. Services such as car rental and currency exchange can be requested at the reception. There are in-house restaurants serving the best of local and international cuisine, including Chinese and continental. Some hotels also have Wi-Fi Internet connection in their rooms. Some rooms have security vaults to store valuables. Since these hotels tend to fill up, it’s best to book them well in advance through travel websites.

These hotels are worth the money you pay for their rooms. Plus, you can now book your room online through hotel booking websites and take advantage of faster booking and discounted hotel prices. You can even pay via credit card on their secure online payment system.

The presidential elections are over and I can tell you now. President-elect Donald Trump is not going to save you. You’re going to need more income. Senator Hillary Clinton couldn’t save her finances either. The truth is that the middle class is dead. That dream of finding a good job, buying a house, owning a car, and saving to retire to greener pastures is wishful thinking.

don’t believe me Look at all the fast food, security, and customer service jobs out there. There is no shortage of work. Jobs are everywhere if you’re willing to work for minimum wage or a little higher. The unemployment rate has dropped every year since the last recession. Americans are afraid because they live paycheck to paycheck. They are in debt up to their necks. One setback and they can be financially ruined.

Don’t think the middle class is dead. Will the next POTUS bring a revival of the middle class? Hell no, it’s been in decline for over 30 years. Think about it. If you’re making $100k in places like Los Angeles, New York, San Francisco, or Chicago, you’re struggling. Especially if you have student loans, a mortgage, and large credit card debt.

The journey of the broken

Go to work, get paid, and then hit the next paycheck. Then use credit cards, payday loans, or home equity lines of credit to bridge the gap until you get paid again. That is the journey of the broken. A vicious cycle that affects most American homes today. People don’t get ahead. You can blame the economy, greedy corporations, or bad business deals. Ultimately, the reason you’re broke is because of YOU.

Until you generate more income, the cycle of debt and lack of money will repeat itself. Income is the king of financial security. This is where people fail. They do not generate more income. Sure cutting back on expenses and having a monthly cash flow plan can help your finances. But until you increase that income line… you’re going to have a hard time.

get another job

The fastest way to generate more income is to get a second job. Yes, there are plenty of jobs out there depending on where you live. Pizza delivery, security guards, fast food workers and other minimum wage opportunities. I didn’t say create a new career, I said get a second job.

Getting a second job is the easiest thing you can do to change your financial future. No, it is not permanent. It is an immediate income and when you manage the money correctly you could be financially secure in a couple of years. It requires work and discipline. Now, if you have family obligations that will not allow you to get a second job, you should find other ways to generate income.

sell your junk

Yes, I called it garbage. If you’re paying monthly fees for storage, you can’t park your car in the garage (the garage is designed so your car doesn’t accumulate stuff), or you still trip over things in your house after cleaning. Then you have to sell that garbage. Have a garage sale. Get rid of it and create some cash. Put it on eBay or other sites. Clean the cutter and fatten your wallet.

Second job

With Uber and Lyft you can catch up. Keep your full-time job and do these independent contractor jobs. Choose your own hours. Work as much as you can. You don’t like to drive? Find something that is flexible and increase your results.

Company owner

This is the hardest way to generate more income. But you will create wealth if you are successful. If the entrepreneurial spirit doesn’t appeal to you, then look for another job. Can you turn your hobby into an empire? Maybe? Understand that to generate more income in a business you need sales. Sales is the life blood for all businesses. Without sales there is no success.

Create more income

I have given you several ways to earn more money. Put together a short and long term plan. The middle class is dead. Your financial future is in your hands. More streams of income will help you survive the crisis of the middle class.

Once you have successfully purchased a parcel of real estate at a tax sale, you still do not “own” the property. You have required a “tax sale certificate,” which is similar to a lien against the property. To actually convert that fiscal sale certificate into a fiscal deed, you will need to perform the following procedures:

First, you will need to apply for property title work from an established real estate title company. The title company will examine local records to determine who might be an interested party in the real estate. This can be a tenant, a mortgagee, a judgment lienholder, anyone who has an “interest” in the property.

You must then notify the property owner and all other interested parties of the purchase of the property at the tax sale by certified mail.

After notice is given, there is usually a long waiting period until you can file your verified petition for issuance of the fiscal deed. This is the “redemption period,” which generally lasts one year from the date of sale. During this period, the owner (or anyone else) can redeem the property by paying unpaid taxes, penalties, and other assessments. The redeeming party must also pay an amount equal to 10% of the money paid by you. At all times during the redemption period, it will be your responsibility to ensure that all property taxes are paid.

Because the property is redeemable, you must file a statement of costs with the county auditor’s office as soon as you are allowed. This statement will include a certification of costs incurred, including title and attorneys’ fees. Once those costs are certified to the auditor, any redemption party will be required to pay those costs prior to redemption. Those costs will then be reimbursed to you if the property is redeemed.

After the expiration of the redemption period, if no redemption has been made, you will file your verified tax deed petition with the county court. You will name all interested parties as parties to the petition. Assuming there is no objection from the interested parties, the court will order the issuance of your tax deed.

Please note that there are strict time limitations for each of these steps throughout the process. Failure to meet a deadline may mean the loss of your right to your tax deed.

Finally, even after the fiscal deed has been issued, there may still be work to be done if you wish to sell or mortgage the property. Most title companies will not secure title to property acquired by tax sale without a “silent title” claim. A silent title lawsuit is a lawsuit filed in court in which the plaintiff asks the court to enter a judgment declaring their title to the property. Potential interested parties are given the right to object to the quiet title. If the plaintiff wins, they usually get a judgment stating that they are the rightful owner of the property. The judgment is final (although subject to appeal) and will generally grant commercial title to the property.

The winter months can be a worrying time for homeowners. As the temperature begins to drop, thoughts of weather-related flood damage to rental properties, particularly caused by bursting frozen pipes, may become reality.

Broken pipes can become a huge financial burden that could have been avoided if both tenant and landlord had taken a few simple precautions to winterize the property. Damages can and often do run into the thousands. These expenses can be for things like plumbing repairs, collapsed ceilings, soaked carpets, damaged appliances, and alternative housing arrangements for tenants.

The landlord could avoid the risk of pipe breakage and flooding by making sure all pipes are properly insulated. In addition to preventing heat loss, lining hot water pipes and tanks can prevent pipes from freezing. Do not forget to check that the overflow pipes are connected correctly and not clogged. Blockages can lead to large buildups that can cause pipes to burst. If the tenant wants to leave the property unoccupied for a period of time, they are expected to keep the heat down. This can be a cause of financial concern for a tenant. If he has gone to great lengths to make the property as energy efficient as possible, the tenant may be more inclined to follow these instructions, as the heat will stay in the property.

Improvements you can think of would include better insulation. This will keep the property warm and dry, most importantly keeping bills low for the tenant and making the property more attractive to rent in the future. Ideally lofts should be insulated to a minimum depth of 270mm to prevent heat loss through the ceiling. Insulation should be installed on the wall and floor of the cavity to keep the heat inside. The draft proof of the property is also excellent. This can be done by making sure all gaps between baseboards and floorboards are filled and windows are double glazed.

Once the landlord has gone to great lengths to ensure the property is winter-proofed, it is essential to remind tenants of the necessary precautions to take to protect the property from the results of freezing. Tenants can be pointed out that these precautions could save them from potentially costly damage. In a recent case, where proper precautions were not taken, there was over £20,000 of resulting damage to a property where pipes froze and then burst, causing major flooding. During the vacation period, many tenants will want to go away and visit family and friends. If tenants intend to be away from the property for more than 24 hours during the winter period (December to April), it would be wise to ask them to observe a few simple precautions. For most properties you will need:

Keep the central heating on a low or normal setting to maintain a temperature between 55/60 degrees F and leave the ceiling void hatch open; PRAYED

Shut off the water supply and turn off and drain any central heating boiler and associated piping. To do this, you’ll need to make sure the tenants know how to turn off the water supply at the main faucet. They would then have to open all the faucets, hot and cold, to drain the water from the storage tank on the roof and the pipes. Circulating water central heating systems will also need to be drained (and refilled on return before restarting).

Should the worst happen and property damage is caused, the question of who will be responsible for the cost of the repair will be paramount. If the landlord tries to claim that it was the tenants’ inactions that caused the pipes to rupture, he must be able to demonstrate in a comprehensive manner that he has taken all reasonable steps to ensure that the tenant was aware of his responsibilities and had been instructed how to do it. reasonably carry out the required precautions. For example, the tenant should have been shown where the water stopcock is and how to turn it off. Receive manuals detailing how the heating system works so they can control the temperature. It would also be wise for the lease to contain a clause requiring the tenant to ensure that the heat remains on in the property during cold weather or if the property is left unoccupied to prevent burst pipes. The tenant would have a duty to use reasonable care to protect the property from damage. It would also be wise to give the tenant notices telling him what to do if he leaves the property vacant. It may be convenient to send the notice several weeks before the winter months and again at the beginning of the coldest period. The notice may also be sent in more than one format, such as one copy by mail and another by email. This will make it more difficult for the tenant to claim the missing receipt should a situation arise.

The landlord would also need to have proof of the condition of the property before any damage was caused. Preferably this should be in the form of a professional inventory and conditions schedule, including clear photographs. The inventory and condition schedule must be signed and dated by the tenant as proof that the tenant agrees that the inventory records a true reflection of the condition of the property and its contents.

An additional precaution could be taken in the form of homeowners insurance. Hopefully this would cover the cost of damage in the event of a claim. While you cannot force a renter to purchase insurance, it would be wise to suggest that they consider this option to protect themselves in the event of a claim.

If a claim is made or a dispute arises over the cost of damage sustained, you must keep all receipts for work done to repair the property. It would be helpful to get more than one quote for any repair. If items need to be replaced again, similar quotes should be provided.

How is electricity obtained from the sun and what is the photovoltaic effect?

The sun is made of photons, which produce solar energy, so when silicon semiconductors are exposed to the sun’s rays, they capture and release electricity, and this process is called the photovoltaic effect.

When these photons hit the photovoltaic solar cell panels, they either pass through them or are absorbed by them. It is the absorbed photons that produce electricity, by transferring an electron to an atom in a semiconductor or photovoltaic cell.

What is a photovoltaic system, what is it made of and how long does it last?

A photovoltaic system is made up of various components that are different, including batteries; a charge controller or regulator for a stand-alone system; a charge regulator for the system; and an inverter for a grid-connected system.

A basic PV system will work for 20 years or more, when properly built, properly installed, and well maintained, and when operating efficiently, the PV system will generate more than $10,000 in electricity over a 30-year period.
Problems that come up over the years with systems before that are due to sloppy installation, improper connectivity, or insufficient wiring.

Also, if the system uses backup batteries, they will not function properly if they are not charged after regular use or are batteries that are not appropriate for the specifications and applications for which they are used.

Solar panels are widely installed these days for heating and lighting needs, in many homes and offices, hotels, supermarkets, manufacturing companies, and warehouses due to the savings they will bring to the monthly electric bill.

The sunlight that reaches the Solar Cell Panels also varies on any given day, in terms of the radiation it emits from sunrise to sunset; depending on the clouds and the weather, as well as the position of the sun and the thickness of the atmosphere. The maximum or midpoint irradiance or the amount of solar energy during the day occurs during solar noon, when there is the most intense sunlight.

The peak hours of the sun are called Insolation, and this is measured in kilowatt hours. Insolation is highly seasonal, especially due to the relationship between the earth and the sun, which is constantly changing from the winter solstice to the summer solstice.

Solar panels which are made up of modules and properly installed on rooftops, will convert sunlight into DC power, and with the help of an inverter, convert the power from the solar panel module, from DC to AC. In turn, the electricity reaches the home or office, when the AC power, which has been converted, reaches the breaker box.

Today there are also many consultants who are experienced in the field of solar cell module installation and who will recommend and design the custom solar panel and solar power modules needed for the type of building being considered for this source of energy. natural energy. Some permits will be required to install solar panels, although these are easily obtained and available in most cases.

Manufactured homes, also known as mobile homes, are factory-built homes that can be transported anywhere and installed on a selected site with or without a permanent foundation. Manufactured homes have revolutionized the American real estate market by bringing affordability and flexibility to potential buyers.

Over the past several years, nearly 1 in 3 new homes sold has been a manufactured home. With housing costs rising, many buyers are turning to manufactured homes, which meet basic housing needs at a lower price. Instead of building a house in 3-5 months from scratch, you can have a house ready in 5-10 days. Today’s manufactured homes are spacious, well-designed, and affordable. The main advantage is that these homes are thoroughly inspected to meet building standards set by the US Department of Housing and Urban Development for design, energy efficiency, durability, strength and fire resistance protocols.

Manufactured home dealers offer manufactured homes to suit almost everyone’s tastes and pocketbooks. Some are designed for those on a budget. Other models offer luxury features at a higher price. The house can be a single section unit or a large multi-section unit. You have the option to choose from a wide variety of home styles. There are more than one hundred and fifty companies that deal in manufactured homes and more than four hundred factories located throughout the United States that manufacture them.

When shopping for a manufactured home, you need to consider prices. The selling price of a new manufactured home ranges from less than $25,000 for a single-section home with basic features to prices in excess of $100,000 for a luxury multi-section home. Depending on the location and excluding the cost of land, the construction cost per square foot for a new manufactured home averages 10 to 35 percent less than a comparable site-built home. A manufactured home is the answer whether you’re looking for a first home, a larger home for your growing family, or the perfect retirement home.

Given everything that has happened to the global economy in recent years, many homeowners have seen their home values ​​plummet. People are abandoning the “Buy it and flip it” mentality and are instead approaching a home purchase with the mindset that they will be living in the purchased home for a long time. Since the quality of life is influenced in part by the location of the house, homeowners now recognize that they need to maintain their community. Homeowners come together to form a Home Owners Association (HOA) to provide community association services, working with developers, builders, owners and contractors to keep the community in good condition.

In many cases, homeowners feel overwhelmed or unqualified to serve on an HOA board. To ensure the neighborhood continues to be effectively monitored, they will be outsourcing some of their responsibilities to a community association management company. When choosing which services to outsource, board members should focus on responsibilities that are too time-consuming or complicated for board members to perform on their own. Community association services to outsource include:

Customer Service Responsibilities

When a homeowner has a complaint, he or she wants to feel that the complaint has been heard and will be rectified. Board members often find it difficult to address neighbor issues without allowing existing relationships to suffer. A community association management company will put a trained professional on the spot where neighbors can go when they have a problem. This allows your issues to be addressed in a more timely manner, by a professional who is properly trained to resolve resident issues.

Financial management

It is crucial that a community has sufficient financial resources available to pay for community association services. The main source of financial resources is the monthly due, so neighborhoods that have too many delinquent taxpayers will not be able to provide the necessary resources to keep the community in optimal condition. On-site professionals provided by community management companies are adept at collecting these debts from homeowners because, unlike board members, they have time to chase down delinquent payers. These professionals can also work with defaulters to set up a payment plan. Additional financial management responsibilities these professionals can handle include creating a budget and monitoring day-to-day expenses.

community maintenance

The main reason residents pay the HOA is to address the upkeep of common areas within the community. Parking lots, sidewalks, playgrounds, pools, and landscaping need proper maintenance to keep the community safe and visually appealing. Community association management companies help locate vendors to maintain these areas, accepting bids, monitoring the contractors and paying them each month. A good community association management company will already have established relationships with certain contractors, allowing the community to purchase their services at a discount.

These are just a few of the many community association services that an association management company can more effectively provide to a community. Smart HOA board members should recognize that these businesses hold the key to unlocking a better neighborhood.

Did you know that more than half of all bankruptcies are due to people not being able to pay their medical bills? This matter cannot be neglected any more due to the fact that many people have to file for bankruptcy due to the high cost of medical bills day in and day out. One thing you need to understand is that in order to avoid medical bankruptcy, you first need to know how you can avoid it and what steps you need to take to stay out of bankruptcy. If there’s one thing you don’t want to do, it’s file for bankruptcy because all you’re going to do is ruin your credit for 7 years or more and hurt your borrowing power even more than you’ll ever realize.

When it comes to staying out of financial trouble, one of the best tips I have for you is to simply not be in a place where you can’t pay your bills. I know that medical bills are often unexpected, but the fact of the matter is that you can’t cover too much by thinking about other people’s payments, because everything seems to bring back all of your medical bills. My advice to you is to make sure you don’t have any debt anywhere else because the moment you get a medical bill you need to pay, you need to pay it or else you risk getting a lien on your home. the medical center taking money from your bank account and even things like garnishing your wages.

Tips to Avoid Medical Bankruptcy

Have Adequate Insurance – The first thing you should do to avoid medical bankruptcy is have adequate insurance. The thing to understand is that many people in the United States do not have adequate insurance and that is one of the main reasons why so many people have to file for medical bankruptcy. My advice to you is to do everything you can to get the best insurance possible because without it you are more likely to file for bankruptcy when you really shouldn’t.

Plan ahead – If you know you’ll need to go into surgery for something important, then you need to have a plan and be prepared to pay cash for whatever you need. What most people don’t understand is that there is always enough time to save up for a medical procedure, so if you know one is coming up, sell stuff, cut costs, and ultimately save some of your income to cover your medical costs.

The most important factor a person needs to know to escape medical bankruptcy is to make sure outstanding bills are paid or about to be paid.

Unclaimed treasures from abandoned safe deposit boxes and police-owned rooms are auctioned off online to the highest bidder! Find out how to bid on this unclaimed property and how to make sure none of your properties end up at auction.

Contents of the safe

After a safe deposit box has been abandoned for 3 years (in most states), the contents are turned over to the state unclaimed property department. Safe deposit boxes are considered abandoned when safe deposit fees are not paid and the owner cannot be contacted through the contact information provided by the safe deposit box.

The state auctions unclaimed property recovered from safe deposit boxes, as the owner of the box cannot be located. The funds received from the auction are available to the owner, should the owner ever try to repossess the property.

In the past, states have held local auctions to sell safe deposit box contents, but now states are using the power of the Internet to auction off this unclaimed property.

Items found include diamond necklaces, wedding and engagement rings, ruby ​​necklaces, rare coins and stamps, and much more.

Ebay and State Unclaimed Property Auctions

States have begun to use eBay to auction off unclaimed property. The contents are often valuable, including family heirlooms and jewelry. Auctions are held at different intervals for different states, and there may be times when there are no items for sale.

These auctions have received higher bids than states could achieve with local auctions. In Massachusetts, the most recent auction of 200 lots received $140,000 in sales!

The following states are offering online unclaimed property auctions through eBay:

On www.ebay.com, you can go to advanced search and enter the seller’s name in the section titled “From Specific Sellers (Enter User IDs of Sellers)”:

State of California
eBay seller name: ucpauction

colorado state
eBay seller name: co.unclaimed.property

Indiana State
eBay seller name: indiana_unclaimed

State of Maryland
eBay seller name: mdcompschaefer

Texas state
eBay seller name: tx.unclaimed.property

Washington D.C.
eBay Seller Name: DistrictofColumbia

Police Department Property Rooms Use Online Auction Room

Law enforcement agencies across the country have property rooms full of stolen or forfeited property. It is not easy to identify the rightful owners, and once the property is no longer needed as evidence, it must be properly disposed of. Propertyroom.com was founded and run by ex-cops. The about us page says so: “…harnesses the power of the internet to quickly move items out of police-owned rooms, reduce staffing costs, and generate revenue far beyond traditional police auction methods.” And there is no cost to the participating police or sheriff’s department.”

You can view items currently up for auction at www.propertyroom.com. You can filter your search to include “only police items” by checking the box that says “Show me only police items.”

How to make sure your property doesn’t end up in the auction room

There is over $25 billion in unclaimed money and a large amount of unclaimed property in the US This property and the missing money goes unclaimed year after year.

o Keep track of your safety deposit box(es)

o Indicate an heir to your safe deposit box(es)

o Keep the contact information of all the accounts and safe deposit boxes updated

o Search for unclaimed money and property owed to you

You can search the databases to see if you are owed any money or unclaimed property.

Some people may think that trying to sell their home without a real estate agent will save them a substantial amount of money. Only you can determine if this path will benefit you enough to meet your challenges. Here, I offer an insight into the pros and cons of trying to sell your home alone, and the benefits you’ll receive by working with an agent, so you can make the most informed decision possible.

Advantages of selling your house yourself

The first advantage most sellers think of when they are considering selling their own home is that they won’t have to pay the average 6% commission a real estate agent earns for putting in the effort to sell their home. One point to consider on the financial front is that homes sold by owners sell for 15% lower prices on average than if they were backed and sold by a real estate agent.

Second, you make your own rules when you sell your own home. You can choose your price, schedule the showing when it suits you, and negotiate when and how you want with potential buyers. If the sale of your house is not under a unique circumstance where you know you will sell it on unconventional terms (for lack of a better word), these points are not very valuable compared to what an agent can offer you with their experience. . Pricing your home is an art that your agent will be able to tell you about, but you are always the decision maker in this matter. They are also trained and skilled in the art of negotiation and the aforementioned statistic can attest to that. You can also influence the scheduling of presentations if you have some restrictions for any reason. You are the driver, but trust that your agent’s goals are first to represent you and to have your best interest in mind in all dealings (according to the division), and to get the most out of your home in the shortest amount of time, for both. your financial asset.

Last but not least, you know your home better than anyone. You’ll remember all your shiny features better than your agent, but remember, for his commission, he employs a host of professional and marketing services that you may not have access to on your own. Most agents will guide you and give you their expert opinion on how to stage your particular property, if not have it staged at home for you. Your agent will take professional photos and write sales copy for your listing, if not more.

Cons of selling your house yourself

One of the biggest drawbacks to selling your home yourself is taking financial and legal responsibility for the transaction. There is a lot of paperwork, guidelines, and requirements involved with selling a home. Even new agents initially struggle with paperwork and their education is based largely on paperwork and legality. Hiring a real estate agent is practically free because they are only paid a commission on the sale of your house, which should be higher than what you would have been able to sell for yourself, and if you hire a real estate agent for a The sole reason is to remove responsibility from yourself if you make mistakes. Also, it is for this reason that you would have to study a lot in real estate to be competent.

Homeowners selling their own homes are often targeted by people who don’t qualify for a loan large enough to buy their home. Real estate agents have experience researching buyers and knowing which ones are serious and have the funds to make the purchase. If time is money, you’ll save big by hiring a real estate agent to sell your home.

Advantages of hiring a real estate agent

Hiring a real estate agent maximizes the exposure of your home using the MLS (Multiple Listing Service, a system only real estate professionals have full access to), among other marketing platforms. You’ll get the most exposure by working with one real estate agent, and you can interview several to discover the one with the best marketing strategy and attitude that suits you. Listing the property using most channels will result in selling your home much faster than you could on your own, another benefit of hiring a real estate agent.

Finally, considering the scale of this transaction and the number of tasks involved that require specific knowledge and attention to detail, I should encourage you to hire a professional. Real estate transactions typically exceed the $100,000 threshold. If you had $100,000 in debt or medical bills, or had a tax or legal issue worth that much, you would probably seek professional help. Why not in this case?