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Unbolted, a new way of lending



Taking influence from market leaders Wonga, but with plenty of their own additions, founders Rito Haldar and Ashwin Parameswaran already have customers wanting to try out their new system that benefits the asset-rich but cash-poor, a state of affairs that is increasingly common.
The Financial Technology Company, also known as a ‘FinTech’ start-up offers market-leading rates on loans taken out against the luxury items of the loanee, between 1.5% and 3%. Borrowers apply for these loans at exceptionally low rates by uploading a photo of anything from their jewelry, watches or even cars to 'unbolted.com'.
On the subject of his newly thriving start-up, co-founder Rito Haldar said, “We set up Unbolted because we want to challenge the way people can access credit through other secured lenders. We’ll do that by being transparent, offering fairer terms, cheaper rates and a convenient, easy-to-use online service that puts consumers firmly in control of their borrowing.”
Unbolted uses a peer-to-peer online model that strips out many costs and ensures customers benefit from lower rates than typical larger loan companies or pawnbrokers, making short-term borrowing affordable and simple to help asset-rich but cash-poor individuals and business owners There’s little doubt that Rito has big plans for the expansion of his business, and with the initial statistics he is right to be optimistic about the future. At a time when the traditional payday loan companies are under intense scrutiny, Rito and Ashwin’s business represents a welcome new face on the block with an innovative way of doing things.
Ashwin noted, “There’s a certain stigma attached to the pawnbroker industry, which is in real need of a shake-up. We’re aiming to remove this stigma and create a new financing option that benefits more people. We hope people consider us when they come to review their borrowing options. The reality is that in difficult times people sometimes do need extra cash and through Unbolted they now have a smarter, fairer and more sustainable way to do just that.”
The service was launched shortly after Christmas, when many people are looking to consolidate debts or look for short-term finance options in a cost-effective and convenient way.
As long customers are over the age of 18 and have an asset they can borrow against; the service is available to them. Make sure, however, to consider all options and seek advice from friends and family before taking out a loan of any size.

Do women pay more for mortgages?

Do woman pay more for mortgages? If so, why?
The short answer to whether women actually pay more for mortgages is yes, in many cases they do. Women are better budgeters and carry less debt than men, and they certainly hold positions in the work force that are equal to or above many men. So, why do they pay more for mortgages?
Possible reasons Every situation is different, but some of the reasons that women pay more for mortgages has to do with their own personalities and characteristics than it does lenders being unnecessarily hard on them. There was a study conducted that found many women will end up signing a mortgage agreement that isn’t ideal to their lifestyle or financial situation. Men, on the other hand, will take longer to shop around, looking for a mortgage solution that works best for them. And it isn’t because men are any smarter than women, it’s because they tend to gravitate toward lenders they like personally, even if the overall deal isn’t as good. Basically, they may sign with a lender they feel comfortable with or feel good about, even if they don’t offer the best rates. Women will also sign on with a lender that was recommended by a friend or family member, rather than throw loyalty aside and just go for the best rates.
Possible solutions For women to get deals that are on par with what men get, it’s important for them to ask for what they want. Quite often, asking for a better rate will result in a better rate, and women are more reluctant to ask. It’s important to keep in mind that lenders negotiate all the time, and prospective homeowners ask for better rates all the time. You won’t be offending anyone or ruining your chances at a good deal by asking.
Find a broker Whether you’re male or female, seeking out a mortgage broker to help with your deal can often get better rates than you’d ever get looking on your own. This is especially true if you’re shy or don’t feel comfortable shopping around and asking for lower rates. Mortgage brokers have access to several different lenders, and they are definitely searching for the best deal on your behalf. They are obligated to use specific products or services, and they can take a lot of the pressure off you during the search. There’s no reason for a woman to pay more for a mortgage, and a good broker can help make it happen.
Author Bio: Jonathan Baker is working as a consultant for finance and education at Ontario. He stays updated about the latest news and trends in finance world and shares his insights through his blogs. You can follow him on twitter.

Budget friendly kitchen reno ideas



Kitchen renovations can cost a fortune. Paint, flooring and updating appliances makes staying on budget a huge challenge – but it doesn’t have to be. New technologies and techniques are making it easier than ever to make your kitchen look expensive without being expensive. It also makes it easier to add charm without adding cost. 
Add a barn door An easy and popular way to keep your kitchen separate and give it character is to add a barn door. The most important consideration is to have durable and sturdy sliding door hardware that suits your style and is the appropriate fit. 
Painting or wallpapering appliances While this may seem like a weird way to update your kitchen, new paint allows you to get a stainless steel look without the stainless steel price (and painting can be enjoyable sometimes, or at least tolerable). You can also use basic wall paint and give your appliances a completely different look. Wallpaper can give your appliances a new look not be possible with painting. 
Peel and stick back splash Putting in new tile can be a hassle and cost more that the value it adds. Peel and stick back splashes can be trimmed to the size you need and easily placed where you want it. They are durable and can come in a flat variety to simply add color or in a tile design to mimic the more expensive real tile. The great thing about this option is that there is no grout to end up stained when food splatters the wall. Make a big impact without adding to your budget. 
New floors One of the easiest ways to update a kitchen is to change up the flooring. Many people would choose to replace vinyl floors with tile or hardwood. If your budget does not allow for that, you can use the option of painting your linoleum. This nontraditional method is something that can be accomplished with porch and floor paint. It is durable and can help you to customize your space. Choose from a variety of colors and use stencils to create a unique design. 
Change your cabinets does not necessarily mean buying and installing new cabinets. Painting or distressing can also add a great look to them. Changing the hardware on them can also give them a new lease on life. New handles and drawer pulls can change your kitchen’s style with very little effort. 
No matter what your budget for your kitchen, you can make it look like you spent a lot more. Simple customizations from paint, hardware and creative solutions can take your kitchen from old and outdated to charming and new. Whatever your design entails, there is a way to get the look you want without breaking the bank. Thinking outside the box and giving your space your own unique touches will help you to have the kitchen of your dreams without breaking the bank.

Cauliflower: the new kale!

It’s true! This amazing, versatile vegetable can be made into everything from pizza crust to hummus. It is rich in vitamins C, B and K, fibre, potassium and omega-3 fatty acids. Substitute it for the “bad” white foods (potatoes, rice) and make cauliflower mash, roasted cauliflower or cauliflower rice. You will wonder why you never thought of doing it before!
Here are some more yummy ideas: 
thekitchn.com: cauliflower steaks with ginger turmeric and cumin
paleoleap.com: cauliflower tortillas
thefreshcottage.com: cauliflower falafels
biggirlssmallkitche.com: bulgur and cauliflower salad            
olivesfordinner.com: purple cauliflower pizza crust with garlic oil 
epicurious.com: cauliflower and caramelized onion tart
cookeatpaleo.com: roasted cauliflower hummus
glutenfreevegangirl.com: secret ingredient brownies
vegetariantimes.com: cauliflower mac and cheese
thegreenforks.com: chocolate cauliflower shake
steamykitchen.com: cauliflower and kale salad

Impact the bottom line



Some people (Tightwad maybe?) sometimes spend more time on choosing a wine for dinner than updating their cable bundles. But, as with any purchase, it’s important to scrutinize your budget and contain any possible financial leaks. Here are some common budget blowing items that you may consider reviewing.
Bank fees add up and you may be throwing away more money than you're saving. Transferring your chequing account to a local credit union will help wipe away useless fees.
Daily deals and flash sales prey on our fear of missing a good deal – their quick deadlines and urgent messaging make it nearly impossible to resist. Use coupons for an item or service you need when you need it by using sites such as couponsherpa.com.
Expired food Buying too much at the grocery store can be wasteful if your food goes bad before you have a chance to eat it. While planning meals for the week can be a useful budget tool, don't get hung up on expiration dates. There is some flexibility - the date printed on a product's container is not necessarily the expiration date, but may be the sell by date.
Gym memberships Over half of yearly gym memberships don’t get used. Oops! If you are considering joining a health club, inquire about a punch pass first so you can pay-as-you-go instead. Otherwise, mix things up and bounce between gyms and specialty exercise studios by taking advantage of free or nearly free introductory passes.
Home phone The landline is nearly obsolete, though many people like having one for emergencies. At an average of $40 per month, it's a lot for a phone you don't use. Switch to a free Internet home phone provider so you don't have to sacrifice security for savings.
Mobile data Over three quarters of mobile users are buying more data than they're using… and for those with multiple wireless devices that require WiFi, odds are they're paying much more. To figure out how much data you're wasting, monitor usage by reviewing third-party apps and adjust your bill accordingly.
Name brand medicine The FDA requires that both prescription and over-the-counter generics be identical in dose, strength, safety and efficacy so paying up to 50% more for name-brand meds when a less expensive generic is available is just plain cray-cray.

Amaryllis - love them!




The gorgeous amaryllis is traditionally a holiday season floral. When you take them out of storage and give them a bit of water, they're going to sprout within six to eight weeks so now is the time to getting working on them.

Once they start sprouting, you can slow them down with cool temperatures but you pretty much have to give them full sunlight or they'll get long and ugly leaves.  You can't stop them once they decide to grow.

Though they thrive in most any type of container, Tightwad likes hers in clear glass cylindrical vases with little pebbles. Curly willow looks lovely with them. With their long slender necks and large blooms, you have to get the scale of the container right. Large baskets look nice, too. 
Here are some tips: 

- bulbs like to be crowded in their pots
- ensure there's not too much water in the bottom - just enough to provide a moist environment.
- the shoulders and neck should be visible above the soil or stone line
nlike me, you prefer to plant amaryllis bulbs where you can see them, here are few ways to care for your indoor bloomers: 
  • Amaryllis bulbs like to be crowded in their pots. Make sure there's a drainage hole for excess water.
  • Set some steel wool or a dryer sheet at the bottom of the pot to keep the potting soil in and position the bulb root-down in the pot. The "shoulders" and "neck" of the bulb should be visible above the soil line.
  • Water to moisten.
  • Blooms can take 6-8 weeks. Move to indirect light and snip off flowers as they fade.
- See more at: http://www.hgtvgardens.com/foolproof-flower-amaryllis-bulbs-bloom-in-the-most-unlikely-places#sthash.R3mTbUXO.dpuf
nlike me, you prefer to plant amaryllis bulbs where you can see them, here are few ways to care for your indoor bloomers: 
  • Amaryllis bulbs like to be crowded in their pots. Make sure there's a drainage hole for excess water.
  • Set some steel wool or a dryer sheet at the bottom of the pot to keep the potting soil in and position the bulb root-down in the pot. The "shoulders" and "neck" of the bulb should be visible above the soil line.
  • Water to moisten.
  • Blooms can take 6-8 weeks. Move to indirect light and snip off flowers as they fade.
- See more at: http://www.hgtvgardens.com/foolproof-flower-amaryllis-bulbs-bloom-in-the-most-unlikely-places#sthash.R3mTbUXO.dpuf
nlike me, you prefer to plant amaryllis bulbs where you can see them, here are few ways to care for your indoor bloomers: 
  • Amaryllis bulbs like to be crowded in their pots. Make sure there's a drainage hole for excess water.
  • Set some steel wool or a dryer sheet at the bottom of the pot to keep the potting soil in and position the bulb root-down in the pot. The "shoulders" and "neck" of the bulb should be visible above the soil line.
  • Water to moisten.
  • Blooms can take 6-8 weeks. Move to indirect light and snip off flowers as they fade.
- See more at: http://www.hgtvgardens.com/foolproof-flower-amaryllis-bulbs-bloom-in-the-most-unlikely-places#sthash.R3mTbUXO.dpuf