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Little Lies Katy Tee – Soft Sage
The new Little Lies Katy Tee is the new must-have Autumn basic! In a gorgeous knit blend, Katy is lightweight, a fabulous fit and the perfect length. Works perfectly layered under your favourite jacket or knit.
- 24% Viscose 28% Polyester 22% Nylon 26% PBT
Size Guide:
Small: Size 8-10 | Medium: Size 10-12 | Large: Size 12 – 14
We offer free freight for all AU orders over $120.
We endeavour to dispatch all orders within 1 -2 business days. You will be notified when your order is being dispatched and a tracking number will be provided.
Our deliveries are sent through Australia Post. If an item is needed urgently, Express Post can be selected at checkout. However, please note that Express Post is not available for all items. If an item is not eligible for Express Post, it will be noted in the description for that product.
For standard shipping your parcel is expected to arrive within 5-10 business days.
For Express Post shipping your parcel is expected to arrive within 2-3 business days
Country and remote areas may take longer than these time frames.
For further information regarding our shipping policy, refer to the Shipping Policy page.
Return & Exchange
Change of Mind
The Shed Luxe wants you to be completely satisfied with your purchase. If you are not completely satisfied or have changed your mind, we will happily offer an exchange or store credit, provided this is activated within 7 days of your receipt (based on tracking information). Please note the following:
- Products that are ineligible include gift cards, earrings, and personal care items
- Products must be returned in original condition, with all tags, labels or stickers intact. Products in jars or bottles must remain sealed. If a product returns damaged, opened, or not in its original condition, a store credit will not be issued.
- Any items purchased on "Sale" cannot be returned for exchange or credit.
- For any returns for purchases where there is a 'Gift with Purchase' all gifts must be returned as well when returning the purchase.
Please note that The Shed Luxe reserves the right to refuse a return if it does not match the conditions above.
If your return is accepted, we will issue you with a store credit. Approved credit amounts will be for the price of the item only. In the case of an exchange, return postage costs back to us and the subsequent reposting of the replacement back to you, will be at your expense. In this instance, free shipping does not apply. We will be in contact with you to arrange payment of shipping.
Incorrect Items
If, in the rare instance, the item you receive is incorrect, please notify us within 48 hours of receipt of your order. Photos will need to be provided to support this claim. Once you have made contact, we will advise you of the next steps to be taken.
Faulty Items
If you have received your order and it is faulty or damaged, please take photos clearly showing the damage and contact us within 3 business days of receiving your delivery so we can assess it. Details of the faulty item/s should be sent to: [email protected].
The type of remedy we offer will depend upon the circumstances. For example, we may arrange to:
- Offer a partial or full store credit voucher.
- Replace the product (subject to availability)
- Arrange for the product to be returned to us. In this case, we will be responsible for the cost of return shipping.
For any return, please ensure you contact us first before returning goods.
To avoid your return being rejected, or if you require further clarification on this policy, please contact us at: [email protected]
Email us at [email protected]
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Votes by party
Individual votes by party
Tellers for the Ayes
Members voting Aye
Democratic Unionist Party (10)
Green Party (1)
Independent (17)
Labour (231)
Liberal Democrat (19)
Plaid Cymru (4)
Scottish National Party (35)
The Independent Group for Change (5)
The following Members did not have a vote recorded and were not tellers. This can be due to a number of reasons; The Speaker and deputies cannot vote because of the impartiality of the chair, and Sinn Féin Members have an absentionist policy. A Member may wish to abstain, or have a procedural reason for not voting. Members can be absent carrying out constituency or ministerial business, or be unable to attend for other reasons.


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Mortgage loan insurance is insurance provided by Canada Mortgage and Housing Corporation (CMHC), a crown corporation, and GE Capital Mortgage Insurance Company, an approved private corporation. This insurance is required by law to insure lenders against default on mortgages with a High Ratio. The insurance premiums are paid by the borrower and can be added directly onto the mortgage amount. This is not the same as mortgage life insurance.
A conventional mortgage is usually one where the down payment is equal to 20% or more of the purchase price, a loan to value of or less than 80%, and does not normally require mortgage loan insurance.
Depending on the circumstances surrounding your bankruptcy, generally some lenders would consider providing mortgage financing.
Where child support and alimony are paid by you to another person, generally the amount paid out is deducted from your total income before determining the size of mortgage you will qualify for.
Where child support and alimony are received by you from another person, generally the amount paid may be added to your total income before determining the size of mortgage you will qualify for, provided proof of regular receipt is available for a period of time determined by the lender.
Subject to qualification, yes. In fact, even purchasers with small down payments may qualify to buy a home and make improvements to it. For high-ratio financing, both Canada Mortgage and Housing Corporation and GE Capital, insured mortgages are available to cover the purchase price of a home as well as an amount to pay for immediate major renovations or improvements that the purchaser may wish to make to the property. This option eliminates the need to finance the renovations or improvements separately. Some conditions apply.
For information on mortgage loan insurance premiums see high-ratio home mortgage financing.
Most lenders will accept down payment funds that are a gift from family as an acceptable down payment. A gift letter signed by the donor is usually required to confirm that the funds are a true gift and not a loan. where the mortgage requires mortgage loan insurance, Canada mortgage and housing corporation requires the gift money to be in the purchaser's possession before the application is sent in to them for approval. where mortgage loan
insurance is provided by GE Capital this is not a requirement. See 'what is mortgage loan insurance?' for further information.
A pre-approved mortgage provides an interest rate guarantee from a lender for a specified period of time and for a set amount of money. The pre-approval is calculated based on information provided by you and is generally subject to certain conditions being met before the mortgage is finalized. Conditions would usually be things like 'written employment and income confirmation' and 'down payment from your own
resources', for example.
Most successful real estate professionals will want to ensure you have a pre-approved mortgage in place before they take you out looking for a home. This is to ensure that they are showing you property within your affordable price range.
In summary, a pre-approved mortgage is one of the first steps a home buyer should take before beginning the buying process.
Very few home buyers have the cash available to buy a home outright. Most of us will turn to a financial institution for a mortgage the first step in a potentially long-standing relationship. But even with a mortgage, you will need to raise the money for a down payment.
The down payment is that portion of the purchase price you furnish yourself. The amount of the down payment (which represents your financial stake, or the equity in your new home) should be determined well before you start house hunting.
The larger the down payment, the less your home costs in the long run. With a smaller mortgage, interest costs will be lower and over time this will add up to significant savings.
There are ways to reduce the number of years to pay down your mortgage. You'll enjoy significant savings by:
Selecting a non-monthly or accelerated payment schedule
Increasing your payment frequency schedule
Making principal prepayments
Making Double-Up Payments
Selecting a shorter amortization at renewal
Today, about 50% of first-time home buyers use their RRSP savings to help finance a down payment. If you are a first-time home buyer, the Home Buyers' Plan (HBP) allows you to withdraw money from your Registered Retirement Savings Plan (RRSP) tax-free to make your down payment. The HBP is administered by the Canada Revenue Agency (CRA).
There are certain conditions you must meet to be eligible for the HBP. For more information,
contact CRA at www.cra.gc.ca.
First and foremost, you have to make sure you have enough money for a down payment - the portion of the purchase price that you furnish yourself.
Secondly, you will require money for closing costs.
If you want to have the home inspected by a professional building inspector - which we highly recommend - you will need to pay an inspection fee. The inspection may bring to light areas where repairs or maintenance are required and will assure you that the house is structurally sound. Usually the inspector will provide you with a written report. If they don't, then ask for one.
You will be responsible for paying the fees and disbursements for the lawyer or notary acting for you in the purchase of your home. We suggest you shop around before making your decision on who you are going to use, because fees for these services may vary significantly.
There are closing and adjustment costs, interest adjustment costs between buyer and seller and (depending on where you live) land transfer tax - a one-time tax based on a percentage of the purchase price of the property and/or mortgage amount.
Finally, you will be required to have property insurance in place by the closing date. And you will be responsible for the cost of moving.
Remember, there will be all kinds of things you'll have to purchase early on - appliances, garden tools, cleaning materials etc. So factor these expenses into your initial costs.
The length of mortgage terms varies widely. As a rule of thumb, the shorter the term, the lower the interest rate the longer the term, the higher the rate.
While four or five year mortgages are what most home buyers typically choose, you may consider a short-term mortgage if you have a higher tolerance for risk, if you have time to watch rates or are not prepared to make a long-term commitment right now.
Before selecting your mortgage term, we suggest you answer the following questions:
1. Do you plan to sell your house in the short-term without buying another? If so, a short mortgage term may be the best option.
2. Do you believe that interest rates have bottomed out and are not likely to drop more? If that's the case, a long mortgage term may be the right choice for you. Similarly, if you think rates are currently high, you may want to opt for a short to medium length mortgage term hoping that rates drop by the time your term expires.
3. Are you looking for security as a first-time home buyer? Then you may prefer a longer mortgage term, so that you can budget for and manage your monthly expenses.
4. Are you willing to follow interest rates closely and risk their being increased mortgage payments following a renewal? If that's the case, a short mortgage term may best suit your needs.
Needless to say, you'll have financial responsibilities as a home owner.
Some of them, like taxes, may not be billed monthly, so do the calculations to break them down into monthly costs. Below you will find a list of these expenses.
The Mortgage Payment
For most home buyers, this is the largest monthly expense. The actual amount of the mortgage payment can vary widely since it is based on a number of variables, such as mortgage term or amortization.
Property Taxes
Property tax can be paid in two ways - remitted directly to the municipality by you, in which case you may be required to periodically show proof of payment to your financial institution; or paid as part of your monthly mortgage payment.
School Taxes
In some municipalities, these taxes are integrated into the property taxes. In others, they are collected separately and are payable in a single lump sum, usually due at the end of the current school year.
As a home owner, you'll be responsible for all utility bills including heating, gas, electricity, water, telephone and cable.
Maintenance and Upkeep
You will also have to cover the cost of painting, roof repairs, electrical and plumbing, walks and driveway, lawn care and snow removal. A well-maintained property helps to preserve your home's market value, enhances the neighbourhood and, depending on the kind of renovations you make could add to the worth of your property.
A longer-term mortgage is worth considering if you have a busy life and don't have time to watch mortgage rates. Our 4, 5 and 7-year mortgages let you take advantage of today's rates, while enjoying long-term security knowing the rate you sign up for is a sure thing.
If you want to keep your mortgage flexible right now, you can explore a shorter-term mortgage that usually allows you to take advantage of lower rates and save.
The interest rate on a fixed-rate mortgage is set for a pre-determined term - usually between 6 months to 25 years. This offers the security of knowing what you will be paying for the term selected.
A mortgage in which payments are fixed for a period of one to two years although interest rates may fluctuate from month to month depending on market conditions. If interest rates go down, more of the payment goes towards reducing the principal; if rates go up, a larger portion of the monthly payment goes towards covering the interest. Open variable rate mortgages allow prepayment of any amount (with certain minimums) on any payment date.
A home inspection is a visual examination of the property to determine the overall condition of the home. In the process, the inspector should be checking all major components (roofs, ceilings, walls, floors, foundations, crawl spaces, attics, retaining walls, etc.) and systems (electrical, heating, plumbing, drainage, exterior weather proofing, etc.). The results
of the inspection should be provided to the purchaser in written form, in detail, generally within 24 hours of the inspection.
A pre-purchase home inspection can add peace of mind and make a difficult decision much easier. It may indicate that the home needs major structural repairs which can be factored into your buying decision. A home inspection helps remove a number of unknowns and increases the likelihood of a successful purchase.


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BAJA CALIFORNIA SUR, Mexico — About to board an open boat for a whale-watching trip, a well-traveled businesswoman says she is a little disappointed in our weeklong voyage through the Sea of Cortés: She prefers a more definite schedule of events, announced well in advance.
About an hour later, she and the seven other passengers in her boat experience a thrill that could not be scheduled. A mother gray whale lifted the boat from the water and almost dumped them in a chilly inlet of the Pacific Ocean.
The whale was a pregnant female that had migrated here from Alaska to give birth. Both adults and calves can be curious about the tourist-filled boats idling in their nursery, the passengers slapping the water to draw
And so it was that when another calf came toward our boat, we leaned over, waiting for the calf to poke its head out of the water.attention. The creatures come to the boats, and the humans touch the whales' rubbery hides.
Instead, the mother went under the boat and raised it — at a frightening angle.
Just as quickly, she moved from underneath it, followed by our whoops of joy. Thanks for the once-in-a-lifetime thrill.
Unscheduled, unforgettable
From points as diverse as England and Florida, 30 of us had boarded the Safari Endeavour for the chance to observe not just whales but also dozens of other creatures in the water and in the air, and to marvel at the plant life in the arid Baja California Sur peninsula.
The Baja extends southward hundreds of miles from the U.S. border and is separated from mainland Mexico by the 109,000 square miles of the Sea of Cortés.
It was Jacques Cousteau who termed this "the world's aquarium" due to its astonishing variety of life. Safari Endeavour passengers on my trip tallied more than 60 species of fish, birds, mammals and reptiles.
And one afternoon became a marathon of unexpected delights:
Our ship motored upon a pod of eight
Later, we encountered dozens of dolphin, leaping from the water during a feeding frenzy. Overhead, a cloud of seabirds waited to dive in.orcas — killer whales. For 20 minutes they brought cheers and giddy laughter as they crossed under our bow, gliding on both sides of the vessel.
Not two hours after that, a mighty blue whale repeatedly spouted water before finally submerging, well ahead of the ship.
None of the day's events could have been scheduled. None can be forgotten.
Safari Endeavour departs from La Paz, the capital of Baja California Sur. The ship heads north, sometimes stopping more than once a day at coves and islands where we often had a wide beach to ourselves.
The daily agenda was usually posted the night before on the closed-circuit TVs in each of the 43 cabins. This schedule varied little: Options were kayaking, snorkeling, stand-up paddle-boarding, beach combing or low-impact hikes. Passengers could opt to do as much or as little as they want.
Before the first port of call, everyone was outfitted with a wet suit, fins and snorkeling mask.
In the kayaks, in the water and on the hikes, we were always accompanied by naturalist/guides.
Beyond the landings, life on board revolved around conversation, reading and meals. All beverages, from soft drinks to cocktails, were included in the ticket.
Also included in the price: the bartender offering hot chocolate spiked with crème de cacao while we relaxed in one of the two hot tubs, after off-ship activities. Another unscheduled, but welcome, event.
Robert N. Jenkins is former travel editor of the Tampa Bay Times. His two e-books, illustrated anthologies of earlier articles, are "End Bay" and "Casting Off"; both are available at the Amazon Kindle, Barnes & Noble Nook and Smashwords sites.
Safari Endeavour is operated by Un-Cruise Adventures, whose small-ship fleet itineraries boast first-name informality and a lack of casinos, night clubs and multiple dining venues.
The whale-watching period runs from late November through December. For more information, contact a travel agent or go to un-cruise.com, 888-862-8881


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get cash now loans is dedicated to safeguarding its consumer's from malicious payday loan lenders who engage in illicit lending techniques. We equip consumers with the knowledge they need in order to make responsible and informed decisions.
get cash now loans's practices and policies have always and will always conform to the regulations which have been set forth by the Fair Lending Laws like the Truth in Lending Act. Prior to a consumer assuming any obligation in order to initiate the lending process they should and will be presented in writing the exact fees, rates, charges and roll over charges in addition to other details about their loan. You can visit our Rates and Fees to find out about the current regulations and laws in your state.
According to the Dodd-Frank Wall Street Reform Act every lender which includes payday loan lenders need to engage in what it terms as "fair lending" practices. The Consumer Financial Protection Bureau has been tasked by this act to enforce fair lending rules and regulations.
We try to work with lenders that follow all the provisions of the stated Fair Debt Collection Practices Act which is enforced currently by the Federal Trade Commission. get cash now loans is not the actual lender. get cash now loans does not collect any debts from consumers. Every lender in our network is required to follow the following Statues which are:
Calling consumers on their telephone prior to 8 a.m. or post 9 p.m. Contacting their consumers via telephone with the malicious intent of harassing, or annoying or even using abusive language is prohibited Using misrepresentation and deception for debt collection Threatening with legal recourse even though no legal action is allowed If a lender is found to be violating any of the above FDCPA statues get cash now loans will not hesitate to stop doing business with that company and file a report with the Federal Trade Commission.
get cash now loans encourages lenders in its network to follow federal and state regulations. These often include the strict conformity with local laws in regards to their interest rates, maximum loan terms, rollover limits, fees, cool off periods in between loans, and much more.


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Show everyone how smart-looking your furry friend can be with the Plaid Bowknot Dog Cat Collar. This collar features a plaid bow to prepare your pup for any occasion. The collar is accented with red and funky strips. The collar is made of high-density fabric with nickel-free buckle and metal hardware. Your dog will definitely look the part when he's wearing the Plaid Bowknot Dog Collar.
Items purchased before 3:00 PM will be dispatched on the following business day as soon as payment for the product is processed. All areas covered by our Delivery Service Provider as follows:
PawdyGuard Australia may replace the current Courier Service Provider or engage an additional Courier Service Provider to improve the efficiency of the delivery service if required.
All orders received will be processed between Mondays to Friday. Any orders received after 3.00 pm on Friday until Sunday, will only be processed the following Monday.
Our policy lasts 30 days. If 30 days have gone by since your purchase, our policy is no longer valid and we can't offer you a refund or exchange.
To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.
To complete your return, we require a receipt or proof of purchase.
There are certain situations where only partial refunds are granted (if applicable)
- Any item not in its original condition, is damaged or missing parts for reasons not due to our error
- Any item that is returned more than 30 days after delivery
Refunds (if applicable)
Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.
If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.
Late or missing refunds (if applicable)
If you haven't received a refund yet, first check your bank account again.
Then contact your credit card company, it may take some time before your refund is officially posted.
Next contact your bank. There is often some processing time before a refund is posted.
If you've done all of this and you still have not received your refund yet, please contact us at firstname.lastname@example.com
Sale items (if applicable)
Only regular priced items may be refunded, unfortunately sale items cannot be refunded.
Exchanges (if applicable)
We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at email@example.com and send your item to: PO Box 216, Chadstone Centre, Chadstone VIC 3148, Australia.
If the item was marked as a gift when purchased and shipped directly to you, you'll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.
If the item wasn't marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and he will find out about your return.
Refund Procedure
To return your product, you should mail your product to: PO Box 216, Chadstone Centre, Chadstone VIC 3148, Australia
You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on where you live, the time it may take for your exchanged product to reach you, may vary.
If you are shipping an item over $75, you should consider using a trackable shipping service or purchasing shipping insurance. We don't guarantee that we will receive your returned item.
It is the 2eme necklace that I order from this seller and always satisfied, plus fast delivery 5 Days davance on what was announced. Very satisfied
Great dog collar. Product match description provided by seller very well. I received my order in two weeks time so delivery was quite fast and I am very pleased with the quality.
First impression is fine. XL ordered for my boxer. Fine custom adjustable.


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1* a These were the sons of David born to him in Hebron: the firstborn, Amnon, by Ahinoam of Jezreel; the second, Daniel,* by Abigail of Carmel; 2the third, Absalom, son of Maacah, who was the daughter of Talmai, king of Geshur; the fourth, Adonijah, son of Haggith; 3the fifth, Shephatiah, by Abital; the sixth, Ithream, by his wife Eglah. 4Six in all were born to him in Hebron, where he reigned seven years and six months. Then he reigned thirty-three years in Jerusalem.b 5c In Jerusalem the following were born to him: Shimea,* Shobab, Nathan, Solomon—four by Bathsheba, the daughter of Ammiel;d 6Ibhar, Elishua, Eliphelet, 7Nogah, Nepheg, Japhia, 8Elishama, Eliada, and Eliphelet—nine. 9All these were sons of David, in addition to other sons by concubines; and Tamar was their sister.e
10* f The son of Solomon was Rehoboam, whose son was Abijah, whose son was Asa, whose son was Jehoshaphat,g 11whose son was Joram, whose son was Ahaziah, whose son was Joash,h 12whose son was Amaziah, whose son was Azariah, whose son was Jotham,i 13whose son was Ahaz, whose son was Hezekiah, whose son was Manasseh,j 14whose son was Amon, whose son was Josiah.k 15The sons of Josiah were: the firstborn Johanan; the second, Jehoiakim; the third, Zedekiah; the fourth, Shallum.* l 16The sons of Jehoiakim were: Jeconiah, his son; Zedekiah, his son.m
17The sons of Jeconiah* the captive were: Shealtiel,n 18Malchiram, Pedaiah, Shenazzar,* Jekamiah, Hoshama, and Nedabiah. 19The sons of Pedaiah were Zerubbabel* and Shimei. The sons of Zerubbabel were Meshullam and Hananiah; Shelomith was their sister. 20The sons of Meshullam were Hashubah, Ohel, Berechiah, Hasadiah, Jushabhesed—five. 21The sons of Hananiah were Pelatiah, Jeshaiah, Rephaiah, Arnan, Obadiah, and Shecaniah. 22The sons of Shecaniah were Shemaiah, Hattush, Igal, Bariah, Neariah, Shaphat—six.o 23The sons of Neariah were Elioenai, Hizkiah, and Azrikam—three. 24The sons of Elioenai were Hodaviah, Eliashib, Pelaiah, Akkub, Johanan, Delaiah, and Anani—seven.
* [3:1–9] A list of David's sons.
* [3:1] Daniel: he is called Chileab in 2 Sm 3:3.
* [3:5] Shimea: he bears the name Shammua in 2 Sm 5:14. Ammiel: Bathsheba's father is called Eliam in 2 Sm 11:3.
* [3:10–16] The kings of Judah from Solomon down to the destruction of Jerusalem by the Babylonians.
* [3:15] Shallum: another name for Jehoahaz, Josiah's immediate successor; cf. Jer 22:11.
* [3:17–24] The descendants of King Jeconiah down to the time of the Chronicler. If twenty-five years are allowed for each generation, the ten generations between Jeconiah and Anani (the last name on the list) would put the birth of the latter at about 405 B.C.—an important item in establishing the approximate date of the Chronicler's work in its final form.
* [3:18] Shenazzar: presumably he is the same as Sheshbazzar (Ezr 1:8, 11; 5:14–16), the prince of Judah who was the first Jewish governor of Judah after the exile. Both forms of the name probably go back to the Babylonian name Sin-ab-ussar, meaning "O [god] Sin, protect [our] father!"
* [3:19] Zerubbabel: here called the son of Pedaiah, though elsewhere (Hg 1:12, 14; 2:2, 23; Ezr 3:2, 8; 5:2; Neh 12:1) his father's name is given as Shealtiel. The latter indication may merely point to the fact that Zerubbabel succeeded Shealtiel as head of the house of David.
g. [3:10] 1 Kgs 11:43; 14:31; 15:1, 8, 24; 2 Chr 9:31; 12:16; 13:23; 17:1.
h. [3:11] 1 Kgs 22:51; 2 Chr 21:1; 22:1; 24:1, 27.
i. [3:12] 2 Kgs 12:21; 14:21; 15:7; 2 Chr 25:1; 26:1, 23; 27:1.
j. [3:13] 2 Kgs 15:38; 16:20; 20:21; 2 Chr 28:1, 27; 32:33.
k. [3:14] 2 Kgs 21:18, 26; 2 Chr 33:20, 25.
l. [3:15] 2 Kgs 23:34; 24:17; 2 Chr 36:4, 10.
m. [3:16] 2 Kgs 24:6, 17; 2 Chr 36:8, 10.
n. [3:17, 19] Ezr 2:2; 3:2, 8; 5:2; Sir 49:11; Hg 1:1, 12, 14; Mt 1:12–13; Lk 3:27.
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i need to know where my heat registers are suppose to be located at and how many in my 1982 mobile home 3 bedrooms
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Hockey Advisors in Clanwilliam-Erickson, Manitoba
RRi Global Agency Inc. is a growing hockey consulting firm that offers invaluable services to amateur and professional hockey teams, leagues, and associations across the globe. Our hockey advisors work directly with individual athletes as well as organizations to create customized blueprints for improvement as well as long-term success. We strive to combine knowledge, and expertise in order to craft strategies that help athletes reach their full potential on and off the ice. Our team is composed of powerhouse directors from the NHL, AHL, USHL, NCAA D1 level clubs and beyond who have an extensive background in elite hockey throughout North America and Europe. With RRi Sports Advisors at your side, you are guaranteed a professional approach to guide you on the path of success within whatever sphere of hockey competitiveness you find yourself: amateur or pro.
Hockey Advisors
Our advisors will work closely with you to develop and maintain an effective training program, optimize player positioning, increase tactical awareness and help identify top talent.
Professional Sports Advisors
At RRi, our team of experienced advisors and trainers provide customized advice and services to athletes of all ages and calibers.
Player Management
RRi provides support for teams by creating Coaches Education Programs as well as offering general consulting services.
Hockey Advisor Company With Successful Player Management
RRi Global Agency Inc. is a North American hockey advisory company devoted to helping coaches and athletes reach their full potential. With a unique three-step process, RRi Sports has created an innovative way to increase their clients' development and performance ability. The first step includes analysis of data and scouting resources that provide insights into strengths and weaknesses for the client. Next, RRi Sports details objectives and career goals for both coaches and athletes in order to develop personal plans tailored to each individual's needs. Finally, the team documents progress levels over consecutive time periods, giving insight into player/coach improvement. RRi Sports provides a revolutionary hockey experience that will continue to inspire athletes and coaches alike.
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Walk photographs and pictures submitted by Emma Sutton
The most recent pictures are at the top.
Send us your photographs and pictures of walks and hikes in the British countryside
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and we shall do our best to publish them.
(Guide Resolution = 300dpi. At least = 587 pixels (wide) x 440 pixels (high).)
You can also submit photos via our Facebook Page.
NB. Please indicate where each photo was taken.
NB. To see photographs and pictures from a particular walk choose your walk from Walks or use our Walk Search facility.
To see photographs and pictures on, of or from a particular Mountain, Peak, Top or Hill select from Peaks & Mountains' or enter the Mountain, Peak, Top or Hill Name into our 'Photo Search facility.


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In this post we will cover everything you need to know about ClickFunnels Onboarding
I've got some good news: ClickFunnels does its job!
ClickFunnels is intended to save you time and energy-to do what otherwise requires a lot of technological proficiency and/or an array of third party applications. In this respect, ClickFunnels succeeds.
Makes You Money
One of the best things about ClickFunnels is its focus on making money for the user. They make it very easy to make your account, put up your content, and start taking payments. Plus, it's pretty easy to pick everything up-it'll probably take you a couple hours to figure out most of what you need, max.
Drag and Drop Builder
Quite a few features are very useful here. I like how easy it is to duplicate pages, and the fact I can save templates to be used again later. Their page builder is a pretty important feature, and they've pulled it off well. Once you get used to it, it's an easy to use drag and drop builder.
A/B testing
Built in A/B testing is great too. All you have to do is duplicate a page, make your changes, and choose the amounts of your traffic you want to see version A or B.
Great selection of Integrations
I think ClickFunnels handles API integrations pretty well. Email autoresponders and payment processors aren't too much of a sweat-they work reliably and are easy to manage.
WordPress Plugin
You'll also find a handy WordPress plugin that lets you add ClickFunnels pages to your WordPress website. It saves a lot of time and is much less of a hassle than working between ClickFunnels and WordPress without a plugin. The Clickfunnels WordPress plugin is also rated a solid 4.4 stars in the WordPress plugin repository, with over 20,000 active installations.
I've got some bad news: even though ClickFunnels is overall strong, it has quite a few areas that need work.
A small drawback is the price. There are only two pricing options, at either $97 a month or $297 a month. In the grand scheme of things, this is not a huge drawback, just another investment in your business, and like I've said, you get a good package for it.
Lackluster Customer Service
Beyond that, customer support is iffy at best. In my experience, they've been fine with basic questions, but if you ask them more difficult things, especially about more advanced features, they won't be very helpful.
Cult-like user base and software too reliant on Founder
This is not an objective criticism of their product but I take a slight issue with their marketing that I think is worth mentioning in this ClickFunnels Onboarding.
If you get sucked into one of their funnels, it's hard to escape the hype surrounding it. They have a great marketing for sure. However, from a user experience perspective, it can get obtrusive. Once you sign up for the software, you can try to look at the objective features of the software and integrate it into your own workflow, or you'll be lost and forced to learn Russell Brunson's marketing methods.
This means you'll find yourself buying online courses, books, attending seminars, and getting sucked into the ClickFunnels "Cult-ure". Their Facebook Group has over 100k members and most posts consists of people bragging about how much money they made and flashing their sports cars. Though these numbers are real, the users give an impression that they're more focused on making quick money rather than building great products and services. ClickFunnels has helped people do great things, but it's also helped proliferate quick rich schemes, online courses, saturation of coaches and experts, and other spammy internet marketer stuff.
We all know the founder is a marketing wizard, but so much of the product is tied to his brand and his philosophy. As much as I appreciate the landing page builder, everything around it seems like an extension of Brunson's platform.
Sometimes it's hard to not get the feeling that ClickFunnels spends more resources on self-promotion than necessary, especially when some aspects of their product (i.e., customer service) can still use some work.
Too Templated
This one isn't on ClickFunnels but more on the community. While you have the ability to customize extensively within ClickFunnels, many people use similar designs. Considering the popularity of ClickFunnels, this has led to a large amount of ClickFunnel-y looks floating around. Diversity is important.
Software Outages and Bugs
Every now and then, ClickFunnels will go down or experience some errors. Though this really doesn't happen often, there's little you can do but wait. If you're investing a lot in advertising or driving traffic to your funnels and a ClickFunnels' glitch brings your pages down for even a few hours, you can potentially lose a lot of money.
It's also hard to know when your pages are working or not, unless you constantly check or wait until you hear from angry customers. Barring uptime, I also deal with some glitches when I clone pages using the HTML publishing option.
User experience changes… a lot
The dashboard changes often, the flow of creating new pages and funnels changes, a button will move around, pricing options change, etc-and it seems ClickFunnels is still figuring things out.
I like consistency in my software, especially if it's a business solution Everwebinar With ClickFunnels.
Too Simple
Finally, a criticism I've heard but don't quite agree with personally: it's too simple, and too expensive for its simplicity. These criticisms tend to refer to do-it-yourself approaches which can be cheaper upfront and yield more control over managing certain details. However, for less experienced users who are mainly seeking efficiency and an easy to use bundle of tools, I wouldn't emphasize this too strongly.


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Wednesday, May 26, 2010
The Last Best Egg Cream in New Jersey
From the kitchen of One Perfect Bite...He was an old man. He survived two wars, one left him with a gimpy leg, the other with a numeric tattoo. He rarely spoke of either. He came, without family, to the United States in the late 40's. He opened a small shop, called Jack's, where he sold convenience items and made breakfast and lunch for the neighborhood. The store was positioned on a street that served as an artificial barrier between neighbors in Montclair. While it was one of the first integrated communities in the country, there were areas of the town that seemed to be separated by color. In truth, the barriers were economic, rather than racial. Flanked by palaces on his right and bungalows and apartments on his left, Jack served coffee to all and was incredibly good with the neighborhood children. No child within his reach went to school hungry and it was not unusual to see a child spinning on a stool next to a Senator or ball player who was trying to read the morning paper. The shop was also a mecca for editors and writers who commuted to their jobs at The New York Times. There were so many of them that locals, had if fact, named a stretch of the town the Times Ghetto. Jack rarely smiled but there came a Monday when he beamed for most of the day. The Sunday New York Times Magazine had, in an article, named his egg cream the best in New Jersey. I learned today that Jack had passed. I will, of course, say my prayers for the dead, but he was not a religious man and would smile at my foolishness. I wanted to mark his passing in a way that would please him. I remembered the article and his smile that day. Now, my egg cream will never be a match for his, but wherever he is, he'll know I'm thinking of him. L'chaim, Jack. Shalom.
The Last Best Egg Cream in New Jersey...from the kitchen of One Perfect Bite
Fox U-Bet or Hershey's chocolate syrup
Whole milk
Seltzer or club soda
1) Pour 1 inch of U-Bet syrup into a soda or cola glass.
2) Gently pour 1-1/2 inches of milk on top of syrup.
3) Fill glass with seltzer or club soda and leave some room at top so it doesn't overflow.
4) Stir vigorously to get most of the chocolate from the bottom and sides of glass. Egg cream should have 1 to 2 inches of foam at top. Serve immediately.
You might also enjoy this:
New York Egg Cream - How to Make an Egg Cream - What's Cooking America
Egg Cream - Wikipedia
Can the Egg Cream Make a Comeback - New York Times
Foodie Pregnancy: The Mighty Egg Cream - Saint Tiger Lily
Egg Creams and Candy Stores - Hub Pages
The Egg Cream Lives - Jeremiah's Vanishing New York
48 comments :
- Susi's Kochen und Backen said...
Mary, what a lovely tribute to Jack. He must be somewhere smiling :o)
- May 25, 2010 at 9:53 PM
- Nancy's Notes said...
Mary, what a beautiful and special tribute to Jack, truly wonderful.
- May 25, 2010 at 10:02 PM
- 3 hungry tummies said...
Oh that is a very touching story. At least he smile before he died :)
- May 25, 2010 at 10:04 PM
- Martha said...
What a great tribute --
Thanks for sharing! - May 25, 2010 at 10:07 PM
- Yvonne @ StoneGable said...
Mary this is a wonderful tribute to Jack! And I didn't know that making an egg cream was so easy! Yummy! I have all the ingredients right here, so I'm trying this in honor of Jack... and your!
Yvonne - May 25, 2010 at 10:13 PM
- Elin Chia said...
Mary..thanks for dropping by my blog and leaving me those encouraging words truly inspired me to write better and give you more good recipes :))
A lovely tribute to Jack ! And thanks for sharing such a touching story. - May 25, 2010 at 10:16 PM
- Tina said...
Nice story for Jack. I like that.
- May 25, 2010 at 10:57 PM
- Carol said...
Lovely tribute, great story! There is nothing like a good egg cream, especially with Fox's u-bet!
- May 25, 2010 at 11:26 PM
- Unknown said...
Every neighborhood needs a Jack! What a great way to honor him.
- May 26, 2010 at 12:12 AM
- Pondside said...
I guess Egg Cream is to eggs as Pork Pies are to pork............ :)
- May 26, 2010 at 1:19 AM
- sweetlife said...
Jack would love your tribute, I have heard about his egg creams, so glad you featured this..
sweetlife - May 26, 2010 at 1:24 AM
- Kait said...
You are a truly wonderful person. I know Jack would be smiling if he read this.
- May 26, 2010 at 1:26 AM
- RamblingTart said...
Beautiful story, Mary. :-) I love this. I've only read of egg creams. Never had one in my life. Now I simply must make this, and smile and think of Jack, and you. :-)
- May 26, 2010 at 1:52 AM
- Mary | Deep South Dish said...
What a nice tribute Mary! I loved the story. And I have heard of this egg cream thing - can you believe I have never had one? Well us southerners, we'd of probably tried to put an egg in ours ya know! ;)
- May 26, 2010 at 2:16 AM
- Sara Tea said...
I just got back from vacation and was so pleased to find such kind words from you on my blog. I genuinely appreciate you taking the time to stop by, and I'm so grateful that it lead me to your blog. Your blog is beautiful, and I cannot wait to read more. Have a wonderful day.
- May 26, 2010 at 2:45 AM
- giorno26 ¸¸.•*¨*•. said...
Hi Mary,
grazie della visita e degli auguri di compleanno !!
Buona giornata. - May 26, 2010 at 3:00 AM
- Diane said...
I have never heard of Jack before but what a great story and tribute. Diane
- May 26, 2010 at 3:35 AM
- MaryMoh said...
A lovely post...warm and touching! Thanks for sharing.
- May 26, 2010 at 4:24 AM
- Allie and Pattie said...
Oh Mary. You brought tears to my eyes with memories of the "Jack" I knew as a child. He ran a neighborhood candy store and his egg creams were legendary. Your Jack is in my prayers
xoxo Pattie - May 26, 2010 at 5:26 AM
- Salsa Verde said...
Hi Mary,
What a lovely story and such a great tribute to Jack. I love your way of writing.
The egg cream must be delicious and I never thought it could be so easy...
Hope you have a wonderful day,
Lia. - May 26, 2010 at 6:22 AM
- Joanne said...
What a sweet tribute. Places like this just don't really exist anymore and it's such a shame. He would have been so happy to read this I'm sure. Nothing like a good egg cream.
- May 26, 2010 at 6:51 AM
- Julie said...
What a wonderful story! I've never had an egg cream. I never see them in the Midwest.
- May 26, 2010 at 6:54 AM
- Unknown said...
I am glad to know about this hard and good life, and great Egg Cream!
- May 26, 2010 at 6:56 AM
- Lorraine @ Not Quite Nigella said...
What a beautiful story! He sounds like he will be missed and not just for his egg cream! :)
- May 26, 2010 at 7:04 AM
- Schnitzel and the Trout said...
As always, Mary, you tell a wonderful story about people who have affected your life. Being from the Midwest, I have never had an egg cream, but the recipe sounds a lot like what we used to call a chocolate soda.
- May 26, 2010 at 7:22 AM
- Deana Sidney said...
Love the story Mary. As a NYer for most of my adult life and a recent NJ resident (albeit right across the river from NYC) I have never had an egg cream!!! Your tribute was superb and somewhere JAck is smiling and perhaps at last I will try one of those darn things!!
- May 26, 2010 at 7:31 AM
- Carol at Serendipity said...
I grew up in New Jersey not far from Montclair. I never went to your Jack's but we had lots of egg creams. I haven't had one for years.
Great post.
Carol - May 26, 2010 at 7:37 AM
- Jacalyn @ rmebathproducts.com said...
Ah Mary you know Jack must be smiling! What a great recipe. Where does it get its' name?
Jacalyn - May 26, 2010 at 8:31 AM
- Claudia said...
Growing up in Jamaica Queens, a survivor of the Holocaust served me scrumptious egg creams for ten years. He told me he never ever slept because life was too short. hat memories were conjured here. Egg creams - the best concoction for summer.
- May 26, 2010 at 8:47 AM
- Alessandra said...
Jack seemed like a great person! I had no idea of what egg cream was...in a way I was expecting eggs not chocolate. This one, like pink coloured peppermint are real novelties for me! I am starting to think what a hell did I eat when I was in the States not to remembers things like these! :-)
- May 26, 2010 at 9:45 AM
- Rachana said...
That is such a touching story and a lovely tribute to Jack.
- May 26, 2010 at 11:04 AM
- Ciao Chow Linda said...
I'm so sorry about Jack. He sounds like he made his small corner of the world a better place. And you do too. A lovely way to honor him.
- May 26, 2010 at 11:09 AM
- San said...
It cannot be a better tribute to jack n you have been so thoughtful .It's always a pleasure commenting on your wonderful recipes .Scrumptious egg cream n nice click.
- May 26, 2010 at 11:28 AM
- La Bella Cooks said...
What a very thoughtful post. You have a wonderful way with words, Mary.
- May 26, 2010 at 11:48 AM
- Ann said...
So touching and lovely tribute to Jack!
- May 26, 2010 at 11:48 AM
- Sushma Mallya said...
what a touching story...thanks for sharing it with us mary..
- May 26, 2010 at 12:41 PM
- Wandering Chopsticks said...
Aww, what a lovely tribute.
- May 26, 2010 at 12:53 PM
- Joe Ambrosino said...
Great tribute, Mary. it brings me back to my youth in New York. We had a Jack too who inherited the business (a classic New York candy store) from his dad.Kadinski's was the name and they had a candy case and fountain. He would mix egg creams, lime rickeys,even cokes along with the more expensive malteds and ice cream sodas and remind us that he wasn't running a library. "If you want that comic book, but it!"
- May 26, 2010 at 3:23 PM
- The Red Umbrella said...
Beautiful post...touching.
- May 26, 2010 at 3:27 PM
- Jen_from_NJ said...
Very sweet post! I am sure that Jack would be so happy to see how fondly he is remembered.
I have never had an egg cream - I should definitely try one. - May 26, 2010 at 4:00 PM
- Chef Bee said...
Great story. Touched my heart.
http://planbeventandcatering.com/ - May 26, 2010 at 4:54 PM
- Cathy said...
What a nice story, Mary. I've had an egg cream when I've visited New York but have never thought to make one at home. Thanks for the recipe.
- May 26, 2010 at 6:20 PM
- Mrs. L said...
Never had an egg cream. That needs to be rectified. And I'll give a smile for Jack today.
- May 26, 2010 at 7:05 PM
- Crystal said...
What a special tribute!
Thank you for stopping by my blog and leaving a note! So very nice of you... I'm intrigued by your recipes, I will be back. - May 26, 2010 at 10:29 PM
- Taste of Beirut said...
This was a moving tribute and I feel like I know the man like I was there on his bar stool ordering the egg cream!
- May 27, 2010 at 12:24 AM
- Megan said...
What a great story and wonderfultribute. I've never had egg cream. I always thought there was egg in it. Stumbled!
- May 27, 2010 at 11:43 AM
- Lori said...
I dont think a few prayers ever hurt anyone. At the least some positive energy floating his way. And this tribute- well, lots of positive energy going his way too. Mary, you are one neat person.
- May 27, 2010 at 6:37 PM
- Melissa and Zack said...
What a beautiful and touching story Mom! I didn't know half of that history. It brought back a whole bunch of memories! loved it!
xoxo - June 1, 2010 at 2:56 PM


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Mens ring set in yellow gold with cutout initial design
Gold, diamond and gemstone prices are quoted in US dollars and we convert them to a South African Rand value. As the Rand/Dollar exchange rate changes daily, we have to calculate according to this rate. This applies especially to bespoke items. Silver prices are more stable and so these items do not fluctuate much.
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VServer Users
From Linux-VServer
Here is a list of Individuals and Organizations utilizing Linux-VServer technology....
Name | Description |
Location | |
Guenther Fuchs |
Since 2002 I used vserver in experimental systems and since 2004 in production environment for own hostings including Linux router. Herbert & the other guys did great work in improving the System tho the actual level. Two years ago I had the chance to compare the system to SW-Soft's Virtuozzo (very expensive license model that time), that time the development did not totally fit my needs for commercial webhosting (and my time to read through the doc's was not enough). But meanwhile one could fully rely on it - and comparing the SW-Soft support to Herbert's replies on the mailing list, there is no other choice to take ;-) If I'd need a commercial vserver system again, I'd choose this one now - thank's for the improvement and stability and - not to forget - the GNU licensing! |
Austria | |
ISPGaya |
ISPGaya (Instituto Superior Politécnico Gaya) is a "non profit" private university in Portugal. We have been using the Linux-VServer technology for about 2 years now. Our university has about 900+ users which gives us the ability to test the technology on a production environment. All our linux servers depend on it and we currently run about 20 virtual servers on them. The system seems pretty stable and the developers (especially Herbert Poetzl) keep us up to date with ("almost daily") new bugfixes/features. We haven't seen any performance problems by using this technology and encourage everybody to try it out. |
Portugal | |
Digital Evolution |
We use Linux-VServer for all wargames (more than a dozen right now) and all other services as well. The stability, ease of use and performance is unrivaled, migrating our servers to vserver is most definately one of the best decisions we've ever made. It happily serves all people (who, after all, try to break our security) logged in on our shellbased wargames and shells out hunderedes of thousands connections to other services each day. |
Sweden | |
Nico |
I use a Lycos VDS based on the vserver for a personnal server (irc, mail, www). It works fine and very cheap. Thanks! |
Association Networx |
happily running a Linux-VServer box for its mail and hosting services. Thx for the great work Bertl ! |
France | |
Research center capec.kt.dtu.dk is happily using Linux-VServer for web/CVS/automatic software build system. Rock solid, very easy to manage in the every day life. Thanks, Loïch |
Denmark | |
Institute of Legal Medicine |
The Institute of Legal Medicine, Medical University of Innsbruck/Austria, is using the excellent Linux-VServer technology to be able to fit all computing requirements for different scientific projects. Works very well, and improved the service for our scientists! |
Austria | |
University of Padova |
A Department of the university of Padova, Italy, runs happily on Linux-VServers. Really changed the life of administrators and improved service. Thanks! Grat Job! -mmzz |
Italy | |
Knowledge Media
Research Center |
The Knowledge Media Research Center in Tübingen, Germany now uses Gentoo Linux based VServers
On behalf of all colleagues we want to thank the developers of Linux-VServer! |
Germany | |
SwissGamers.ch |
Uses Linux-VServer on all machines. Thank you guys, many things wouldn't be possible without Linux-VServer the way we do it, great job :) |
Swiss | |
Yarihm |
Linux-VServer patch installed, even on machines without vservers -- I like it that much ,) |
SVPData Ltd. |
We run Linux-VServer on a Debian Machine (production system) and a SuSe Machine (Testing System). We use Linux-VServer mainly for partitioning the www-server and the ftp-server. We also run a few MUSH Systems. We are really happy with Linux-VServer and would not use any other virtualization Software. |
Germany | |
Thorsten Gunkel |
I switched my small private Debian Linux-server to VServer. Now I have lots of small Linux-VServer installations with only a minimum number of packages installed. IMHO it's easier to maintain, I have no noticeable performance loss, extra security if one of the systems is breached and since I started to use it (end of 2004) no problems with Linux-VServer ever (now it's 2006)! If you're interested in my Linux-VServer I try to document its current state on my website: Linux Server with VServer. P.S.: Support in the IRC channel and the mailinglist has been always very helpful, thanks! |
Germany | |
Unknown |
I've installed Linux-VServer at my university for internal use, for university courses of operating systems and for other didactical purposes. It works greatly, and I'm really happy of that :) But above all, IRC support on #vserver is always kind and effective! Thanks to everyone in the community. |
PowerSource |
I've been using Linux-VServer since 2004, and have been happy about it ever since. Using it to separate services from the host system's software and being able to move around services (so vservers) from one host to the other without too much trouble The IRC support is more than fabulous, thanks to the entire team! |
Belgium | |
Phyxia Networks |
Using vserver to be able to offer services which need to be separated from the host, and to cut back on some machines which would take up space and power but can just as well run virtualized. |
Belgium | |
Purdue University Calumet |
We have been using Linux-VServer within the Department of Engineering, Math, and Science at Purdue Calumet since Dec 2005. I am absolutely amazed at how resource friendly vserver is. We are currently running 8 production and 3 development guest os's on 1 host. The host and the guest os's are all Gentoo except for 1, which is Arch Linux. The other Windows admins are really impressed at how well Linux vserver runs. It's even helped move some current and future services to Linux instead of Windows. One of the guests is even running a Condor master server for the NorthWest Indiana Computing Grid project. Thank you very much to all of the developers who are putting so much effort into this project. |
Hammond, Indiana USA | |
Business Connect Internet Services |
We are using vserver to split up our public services and to minimize downtime while upgrading the systems. Thanks a lot and keep up the great work!! |
The Netherlands | |
Free Software Office - UDC |
The Free Software Office of the University of A Coruña uses the great Linux-VServer technology to deliver free, bullet-proof, high quality services to the universitary community since April 2007. We currently use about a dozen guest virtual machines distributed in two hosts in order to provide a number of services, including Subversion repositories, internal FTP for university staff, Jabber messaging... and of course our own website. We geared towards VServer after testing other alternatives because of its performance, ease of administration and the fact that VServer is officially supported the GNU/Linux distribution we have chosen (Gentoo). We are grateful for the existence of such a nice piece of software. |
Spain | |
INTEGRA e.V.
Studentische Unternehmensberatung / student consultancy |
Currently we are running two virtual servers. One of them contains a webserver, a mailserver and other special software to support our work as student consultants. The second virtual server is used for software development and testing. Thank you very much for your great work! |
Germany | |
LiHAS - Adrian Reyer |
We are maintaining several dozen of virtual servers, mainly as high availabiltiy clusters in combination with Heartbeat and DRBD on LVM2. |
Germany | |
GNU Savannah |
Savannah offers developer services (CVS/SVN/Git, bug trackers, download area...), and runs exclusively on Free Software. Everything is served from a single box, but architectured in maintainable independent vservers since 9/2006. The latest Debian upgrade (Etch) could be run remotely and step-by-step, with almost no downtime. Different level of security can be provided at once on the same box, adapted to each service (restricted shell for VCSes, full read/write without local access for SFTP, etc.). |
NetCare |
Happily running three Linux-VServers boxs since the Release 1.20 for our hosting services. |
Portugal | |
BlinkenArea.org |
Running since 2003 on a Linux VServer hosted on a leased root server together with several smaller VServers. We really appreciate the high performance of VServer and the kind support the developers provide in IRC. |
Germany | |
Web Alliance - Référencement Internet |
We are running a few Linux VServer boxes for our clusters in data analysis. Great performances, keep up the good work ! |
France |


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Are you a property owner in New Jersey or would you like to be? If so, it is important to know how to increase the value of your investment property. Below, we offer 5 ways to add value to your New Jersey rental!
As an investor in New Jersey, you will want to make sure that you are getting all that you can from a property. When you crunch the numbers for your investment, you will likely find ways to create more value. In our latest post, we offer several ways you can increase the value of your investment property in New Jersey!
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Updated Kitchen or Bath
While a fully updated kitchen or bathroom can cost a lot of money, you can opt to do a partial update, fixing up certain elements to make it more modern. For example, you can paint or replace cabinet faces, add new hardware to the drawers and cupboards, or you can replace appliances to match each other. In the bathroom, you can add a new vanity, resurface the tub, paint, or add new shelving to give the room a facelift.
Cut Back On Expenses
When you run the numbers for your investment property, there will likely be some areas in which you can save money. Maybe you are including landscaping or utility costs in the rent. When the lease is up, you can modify the lease to defer these costs to your tenant. You can also look for ways to make maintenance more efficient and proactive. If you have a property manager, evaluate the cost and determine if their services are really necessary. You might find you are able to save money on the property in a number of ways.
Go Solar
If your property doesn't have them already, adding solar panels can increase the value of your investment property. Not only will tenants see lower electric bills, but they will also be able to sell any surplus electricity generated back to the electric company in many cases. While this may prove to be a larger expenses upfront, it will ultimately help you to attract more tenants. It can also help if you should decide to sell or even move into the house yourself one day.
Raise The Rent
The property is only as valuable as you allow it to be. By simply raising the amount of rent you charge each month, you will instantly raise its value. Check out what comparable properties are renting for, making sure what you are charging is in line with others on the market. Investors will often neglect to raise the rent or keep an eye on what others are charging. As such, they can end up costing themselves thousands of dollars in lost revenue.