The Dream Of Buying E-Cigs Instead of Regular Cigarettes

We all know how expensive it is too smoke on a daily basis. The cost of cigarettes keep going up as do the taxes to buy them. In some cities you are expected to pay $11 a pack, and there are few open areas that even allow smoking anymore.

So you can overdraft your bank card and go to your home or car and smoke that cigarette. You know there are better ways that are not only healthier but save you money as well.

The best solution is converting your habit into smoking e-cigs. Not only is this a healthier habit, but it is more cost effective. There are no high daily fees and taxes to buy your cartridges. Considering there are no health risks, you can be certain on lower medical bills over the years.

Let’s take a look at how much smoking e-cigs can save you on a yearly basis.

Start Saving Cash In Small Sums

Many individuals think that e-cigs are too expensive to get started with. They see the cost of the starter kits and the cartridges and it just seems to much of a hassle. So they tend to stick with smoking the regular packs of cigarettes.

What needs to be considered is how many packs of cigarettes are smoked a day, a week, or even a month. Depending where you live in the world, you can be paying upwards of $10-20 a pack! Over the course of a year that can really add up. As a general estimate, most smokers spend around $165.00 a month on their habit.


Consider for a moment that an e-cig cartridge cost around $3.00 or less. A single cartridge is about the equivalent of one pack of normal cigarettes. You are now saving at least $2 – $8 a pack. That will add up quite quickly

The Monumental Cost of Smoking

While it is nice to see the savings add up on a daily basis, the overall money you save is monumental. We all know how dangerous smoking is for our bodies. Over time there are many health issues that need to be dealt with. This is where the large expense of smoking comes into play. Even vapor shops in Saint Louis say that their customers go to them, because they are so much more cost effective.

Down the road there will be the high cost of physician and medical bills. There will be times when you may have to spend an extended amount of time in the hospital. Or perhaps you may need oxygen or other medication down the road. These are not expenses we think of in the hear and now, but they will be coming.

Those costs are astronomical compared to the price you are paying for cigarettes now. The truth of the matter is smoking e-cigs is just plain healthier for you. You are never going to have to visit a doctor or get on oxygen because of a vapor.

As you can see if you are wanting to start putting money back into your savings account, e-cigs are the way to go. Don’t continue to spend a large amounts of money on cigarettes everyday. Yes they are a habit, but they can be broke with the help of electronic cigs. You are going to benefit over your lifetime with less time in the hospital and a better quality of life.

Install This In Your House To Increase Its Value

Your house is probably your single most expensive investment. It is a place where you and your family can relax and enjoy life. There will come a time when you want to consider doing improvements at your house. No doubt you want to make use those improvements to make your home a better place to live as well as to increase its resale value. In order to choose the right home improvements, you should think about features that most people find desirable in a home. If your home does not have a fireplace, adding one can be highly desirable. However, adding a traditional fireplace requires the building of a chimney. That will require getting the right building permits and hiring the right contractor to cut through your wall to build one. If you add up the total cost, you may get sticker shock. How can building one small fireplace cost so much?

There is an alternative. You can explore adding in a fireplace that burns an alternative source of energy, like ethanol. There are multiple benefits to this approach over the traditional way of adding a fireplace. Look at this ethanol fireplace article for a further idea of what they do after you have finished my article.

First of all, you would not need to install a chimney. An ethanol fireplace is ventless. There is no need for a flue to let the smoke out because burning ethanol produces no soot, smoke, or ashes. The flames burn cleanly so no debris is produced. Chimneys tend to accumulate soot and ashes over time and require periodic cleaning by a professional chimney sweep service to keep it in good shape. With an ethanol fireplace, you save money from not having to maintain and clean a chimney.

There is no emission of harmful particles that pollute the air. There is a release of carbon dioxide, but the amount is insignificant compared to burning wood.

Gas is a more expensive fuel than ethanol. Even if you have an existing fireplace that can burns gas logs, per gallon, ethanol fuel is cheaper than gas. Ethanol is a renewable fuel. It is produced from plants, grass and corn. Oil is a finite fuel supply and not renewable. Over time, gas prices will continue to go up. Using an ethanol fireplace will save you money on fuel in the long term.

How can an ethanol fireplace increase the value of your home? Think about it. Because there is no need to install a chimney, you can install an ethanol fireplace practically anywhere where you have space. A fireplace does not have to be limited to the living room. How about a fireplace in your master bedroom? It can sure to enhance the ambiance in the room to make it even more cozy and comfortable. A fireplace in the bedroom adds just the right amount of mood lighting for those private, romantic moments.


What about a fireplace in a corner of your bathroom? Bathrooms can be chilly places, especially if you have walls and floors made of stone tiles. Add a touch of sophistication and warmth by adding in an ethanol fireplace. It is easy to retrofit a small fireplace into one of your walls that has no plumbing pipes behind it.

Ethanol fireplaces come in many attractive styles. You can have it recessed in a wall for a totally modern look. You can have freestanding units installed in a room divider. This way, both rooms can benefit from the fireplace.

You can have a classic look or a modern look. The design possibilities are only limited to the creativity of the fireplace designer.

The great thing about this is that there is minimal cost in construction. Many cities do not require you to get a permit before you install one. However, do check your local building authorities about that.

Imagine the elegance that you can add to your living areas by the addition of ethanol fireplaces. Any potential home buyer will be impressed when he sees a beautiful flame burning cozily and quietly in your home. This will make your home look like it is worth every dollar that you are asking for in your home’s listing price.

When people shop for homes, they look for home features that will provide them with long-term benefits. Emphasize on the fact that their future fuel cost will be reduced by using a ethanol fireplace instead of a traditional gas or wood burning fireplace. There is less risk of a fire hazard due to chimney fires because there is no chimney to bother with. There is no mess from ashes to clean. When you list down these multiple benefits, it will be a strong selling point that will make your home highly desirable. That means a potentially higher resale price for your house.

Putting in ethanol fireplaces is a great idea for an easy home improvement project. A project like this can easily be accommodated even if you have a tight budget. Freestanding fireplaces require no construction, and many styles can be used as a room divider.

If you have a large living space, there is no need to build a wall to divide up the space. Just install a freestanding ethanol fireplace that is at least waist-high, and which has the width that you desire. The structure can have the fireplace in the center flanked by a double-sided book case on either side, as an example.

Find a reputable dealer in ethanol fireplaces and enjoy browsing through the selections. You will be impressed by the possibilities that can enhance the beauty of your home. The fireplace can be as small as the coffee table in front of your sofa, or it can occupy a whole wall. Consult with a design expert to find the perfect style for your home. This is one of the easiest ways to improve your living space and to add value to your home. Look through home and architectural magazine to get ideas for inspiration. Walk through showrooms and experience the warmth of an ethanol fireplace first-hand. You will be amazed at the possibilities.

Did You Know You Can Save a Ton of Money Renting Luggage?

Whether you’re traveling by land, sea, or air, there’s a good chance you’ll need to bring several suitcases and bags that contain almost all of your clothes and many personal items. While many people already own an assortment of travel bags, the truth is that your luggage will only be used once or twice over the lifetime of the bags. For one reason or another, the bags often deteriorate while being stored, or fall out of fashion, which compels you to purchase new bags every time you travel, and that only begins the cycle of buying, storing, and throwing away your personal carrier for luggage all over again. In most cases, people don’t have enough space to properly store the bags in the first place. More often than not, the bags will be stored in a dingy basement, attic, or garage, where they’ll slowly deteriorate, and fill with mold and mildew.


You shouldn’t have to worry about purchasing new luggage every time you want to go on vacation. That’s why many people choose to rent their luggage before a trip instead of constantly purchasing new bags that they will rarely use. Renting luggage has been very popular in Europe and Asia for some time now, because the average person lives in a small apartment, and they don’t have any room to store large travel bags.

Renting luggage is also a lot easier than buying brand new bags. Instead of being limited to what’s in your price range, you can browse a wide selection of high-quality bags and suitcases that are designed to be durable and stylish. After you’ve selected the bags you want to rent, the rental service will send the luggage to your location for a predetermined period of time. Luggage is usually rented out at a flat rate, so you don’t have to worry about breaking the bank if you keep the bags for a month or more. Whether you rent the bags for two weeks or two months, rental costs will only be a fraction of the price of new, high-quality bags. When you go on vacation, the last thing you want to worry about is the cost of brand new bags, which makes renting luggage a smart choice for the modern traveler. Traveling is stressful and expensive enough without adding additional cost to the already sky-high costs of airfare, taxis, and lodgings. Use economical and convenient luggage rental to make your travel more enjoyable and affordable.

Money Saving Tip: Use Pre-Made House Plans

Purchasing a pre-made house plan can help you save money on the design and construction of your home. It is true that pre-made plans are not unique but they are a cost-efficient alternative to hiring an architect to design your new home. It is important to make sure pre-made plans are adapted to your needs and your budget before you make a decision. Here is how pre-made house plans from places such as, The House Plan Shop, can help you save money.


Purchasing a pre-made plan for your new home is significantly cheaper than having a professional architect design your home. Unique plans created by an architect can cost as much as $4,000. You can of course find more affordable architects but you should keep in mind that the talent and experience of an architect are usually reflected in the prices they offer.

In other words, choosing an architect that does not charge much for their designs is not a good option. You might end up with a recycled design, something that does not correspond to your needs or a design that will cause your contractor to run into problems while building your home.
Some architects will charge you in function of the number of hours they spend working on your plans. The final cost of your plans will depend on how many modifications you asked. If you hire an architect that does not fully understand what your needs are right away, your designs could end up costing a lot due to the number of modifications needed. Purchasing pre-made plans and paying an architect to make a few modifications is a good alternative if you are on a budget.

Pre-made house plans are created by professionals architects. These plans are sold to a wide number of clients to maximize profits instead of selling plans to only one client. This is how architect firms can afford to sell pre-made house plans at an interesting price. The quality of pre-made plans is similar to what you would get from a professional architect. You will even come across some high quality plans that are much better than what you would get from an average architect if you are on a limited budget.

Pre-made plans can help you save money by taking your small budget into consideration. You can find pre-made plans designed with small budgets in mind. Most pre-made plans sellers have a few designs that can be built at a low price. An architect might not be able to create plans that correspond to the style you wanted while keeping your low budget in mind.

Purchasing pre-made plans is a lot more transparent than hiring an architect when it comes to cost. Even though most architects are very upfront about their pricing, there is no way to tell how many hours they will spend on your plans or how many modifications will be required. Companies that offer pre-made plans will require you to pay for the plans once. You will know exactly how much the plans cost and will not have to pay for anything else, unless you want to have a professional architect make a few modifications to the plans you purchased.


There is no need to wait for your plans to be ready if you decide to purchase a pre-made house design. Some architects might not be able to complete your plans in less than a couple of months. Successful architects have so many clients that your plans could take several months to complete. You might have to wait even longer if you request some modifications to the original designs. Purchasing plans and being able to start the construction of your home at any time gives you more freedom when it comes to hiring a contractor and should give you more time to find an affordable construction company.

Most pre-made plans sellers can tell you how much it would cost to build the home you are interested in. Even though prices can vary from one contractor to another, a plan seller can give you a price range per square feet. This is a good way to narrow down your search to plans that correspond to your construction budget. On the other hand, hiring an architect to create unique plans means you will have to show the plans to a number of contractors and ask them how much they would charge you to build this home. If your architect failed to design plans that correspond to your construction budget, you might find yourself stuck with construction plans you cannot afford.

Knowing the price range of your construction project will help you choose an affordable contractor. Some construction companies might give you a quote that is overpriced if they get the impression that you are not knowledgeable about the price range of construction projects. Showing them pre-made plans with a price range per square feet will make contractors more likely to give you a reasonable quote.

Purchasing pre-made plans is a great way to save money but there are a few things you need to look for. Do not purchase plans before you do some background research on the seller. Find out who designed the plans you are interested and how much experience they have. You need to properly assess your needs and your budget so you can select the right plans.

You should also learn more about the terrain you want to have your home built on, the climate and any local regulations when it comes to construction. Pre-made plans might not be compatible with local regulations or with the specifics of your terrain. Doing some research on these different elements will help you select plans that correspond to your needs.

You should start looking at different pre-made plans to get a better idea of the kind of design you can afford. Compare pre-made house plans to what an architect would charge you to have your dream home designed. Pre-made house plan are a lot more affordable than hiring an architect as long as you can find plans that correspond to your needs.

5 Ways to Save Money When Building a New Website

If you would like to host your own blog or website, Hostgator web hosting is the way to go. It is one of the best services out there. You do have a choice but you can’t go wrong with their service.

In order to use hostgator you need to have a domain name or you can buy one through them. You also need to have an idea in your head about what you want your blog or site to be about. Take some time to figure all of this out because it is really important.

If you need to, make a list of everything you want your new site to be about. Come up with topics and categories that you can use. It will be best to do this so you can clear your head a bit and find the direction you would like to be in.

You might also sign up with them because you want to switch from your current hosting company. This is always an option and a lot of people do it. It is just a matter of following all the steps that you need to follow to get it done.


When you sign up for hostgator, you will need to make sure you have everything set up correctly. The good news is they will walk you thorough everything. You don’t have to just guess. Once you go through all the steps your blog or website should be ready to go.

The great thing about them is that they rarely go down. It can happen but not often enough to be a real problem. It would not be good to be with a company that is going down all the time. That would just get you frustrated. It would make it so you would lose readers and money which would not be good.

You probably want to consider self-hosting if you plan to grow your blog or website. You can do a little of this using a free option but it would be best to switch over. You will really see some improvement when it comes to your site.

You can pay for the service yearly or monthly. You can do what works best for you and your budget. Some people want to pay for it all at once and others need to space it out. It is nice that you do have an option to do what you need to do with this company. Just make sure when you go to check out to include a hostgator coupon.

You can have more than one blog on your plan which is a good thing. There is a point where you would need another account but you probably won’t get there right away unless you have a lot of sites.

If you are questioning on if you should go with hosting, think about all the benefits of it. You would have more control over things and you would really be able to own your site. You wouldn’t have to depend on the free service to be the real owners.

hostgator coupon

It is also an important step in the life of a blogger. Once you sign up for hosting you have made some sort of progress on your blogging skills. You know what you are doing and will see great things in the future. You want to succeed and make more money on your blog that you are already making.

If you really enjoy Hostgator you can become an affiliate. What this means is that anytime someone buys the service from your link, you get some money. It can be a great way to earn a little extra because you just put it on your blog or site. People will click on it and you will get the money. It is a great way to make a little extra trying to promote something you already love.

Once you do get things set up, it might be a good idea to take some more tutorials on it. That way you will know what else you can do with the service. There is a lot to learn about how it can benefit you. It is a good idea to educate yourself as much as you can.

Sometimes you can find coupon codes online to save you a little bit of money. This is a good thing so you can get things a little cheaper. Everyone likes to find a deal, even for web hosting. It is nice to be able to save money in this way.

If you still are not sure about if you should get hosting, you should talk with some blogger friends about it. They can tell you what they like about it and how it has helped them improve. It can be a good way to really understand what you are setting up and they can help direct you as you get started with it.

You can also go to the website and take a look at screen shots. This will help you with the set up period as well as giving you a better idea of what everything is supposed to look like. It is a smart thing to do so you know what is going on.

Bloggers who use hostgator like to talk about how it is working for them. You can go online and read reviews to learn more about it. You can tell a lot about a company that way and they are fun to read.

If you plan to have a lot of blogs on one account, keep in mind that you are limited on the amount of space you have. If you use too much of it, you will have to buy another account. If this happens it just means you are more successful which is a good thing.

If you want to know more about the company, you can always look them up. There is a lot of information out there and you might want to read it. It is always best to find out about a company before you give them your money.

Finding Property Development Finance

Dreams Cost Money


It doesn’t matter if you are on your first property development or your 100th, the idea always starts in your mind and with the dream of making the contents of your mind materialized in the real world. One problem that we have are the requirements for making these things real. I doubt that you have this problem but some people lack the discipline and the skills to make it happen. The problem that you are most likely to face is under funding or the inability to get financed for your property development. This happens a lot to many would be developers but do not lose hope, there are many ways to get financing and we will talk about a few of them.

There are many ways to look at Property Development Finance. Some people start with the idea of what they are going to build and the impact that it will have to the areas around it, while the best planners start with how are they going to obtain the money to build. Mix of both strategies are probably the best approach because if you are able to show the feasibility of such a property development, you will be better able to secure a loan for your project. So use both strategies to help you secure a loan for your project. Bankers are more willing to invest when they know what you are working towards but do not get lost in the idea to paper stage.

When The Banks Say No!

Banks turn down far more projects than they actually write loans for. In today’s climate, banks are writing fewer loans. An issue that many people have is that they don’t know what to do after they are turned down for a loan. Some give up, the smart keep searching for solutions to make their project a reality. Hopefully, you are more like the latter than the former. You have to be willing to search out and find all of your options. Just because one bank or one lender says no doesn’t mean that all of them will say no. You need the type of drive and belief in what you are doing to keep trucking on.

I can tell you that our company can help you when the banks say no. We’ve written many loans for developers who have been turned down by traditional loans. Our underwriting system is completely different and we don’t just use tables and static metrics to determine if you and your project are worth the risk of writing a loan for. When the banks say no, it is time to look for alternatives to the traditional banks. There are many lenders who work primarily with investors and developers and they are the best choice for the type of loan that you seek. They write these type of loans everyday and they know where the value is in writing such loans that traditional banks often miss and that doesn’t fit in with their lending model.

Bad Credit Blues

Bad credit is what often keeps developers from qualifying for loans. When it isn’t bad credit, it is too little business credit. The credit blues are real and it will hurt you, especially with traditional banks and lenders. If anything, by now, you should know that traditional banks are the best way to get a loan for your project. Old rules and old models of assessing loan worthiness halt progress. What you need is a specialty lender who gets what you are trying to create. We are such a lender and we write all kinds of loans to people with good credit, okay credit, no credit and bad credit. We do it all. Give us a call.

Hard Money Loans Make It Easy

What most developers need is a hard money loan. A hard money loan is for investors and developers who need money to do their projects but who can’t qualify for loans with traditional banks. These loans are most often based on the value of the property– the land and the structure so in many ways this type of loan is collateralized by the land and what is on the land. It is for this reason that these loans are easier to obtain. The terms are easier and the process is much faster to get one of these loans. If you are an investor or builder who needs a loan, look more into a hard money loan.


We’ve talked about a lot of things in this article. We’ve talked about the key to completing your project comes from having enough capital and how finding the money to do your development is the most important step. Without funding, all you have are dreams. We also talked about the difficulty of finding a loan with a traditional lender who works off of static metrics and how these metrics don’t really match what most investors, builders and developers actually need and do. We also talked about how bad credit can hurt your chances of getting a loan but also how you have other options when it comes to getting a loan. We also talked about how specialty lenders are often the best choice for developers because they work with people in real estate all the time and know how to assess their loan worthiness better than a traditional lender can.

The Choice Is Obvious

The choice is obvious, most developers would be better served by using a hard money lender who is an expert in writing loans for the purpose of developing real estate, investing in it and building structures. We are such a company and we would love to work with you. You have all sorts of loans that will help you build your project. If you are tired of hearing no from traditional lenders, please give us a call to discuss the type of loans that you qualify for. We are always ready to talk shop and feel free to call.

Your Guide To Bad Credit Loans

bad credit loansHaving good credit can be instrumental in you being able to get the things you want. Anything from a new car to a new home or even a boat usually hinges on having good credit. But what if you’ve made a few financial mistakes along the way and now your credit is less than stellar? Fortunately there are bad credit loans available to those with less than perfect credit who need some money for whatever reason that may be. Most companies look at your credit score when they determine whether or not they will lend money. If your credit score is low, it can be a lot harder to get a loan, credit card, automobile, or other form of credit.

One way you can attempt to get a loan is through something called peer to peer lending. This form of lending does not involve a bank, but instead involves other people who might be willing to lend you money as long as you pay it back with interest. Sometimes, a group of several people will “go in” together and chip in towards the loan. There are many websites that have this available but if you apply, be sure to tell your story and explain yourself. For example, if you have a steady job that you’ve had for a long time, let people know. If you are working towards rebuilding your credit, let them know that as well. It may take some time to be approved or get a peer to peer loan, but you will not have to deal with banks or credit lenders.

While it seems a little discouraging, many people opt to borrow money from their family members. If you decide to ask someone in your family for money, offer to draft something up in writing and get it notarized. For example, you could work out a deal where you pay X amount of dollars each month at a certain rate, and sign this so they have some kind of paperwork showing you’re committed to repaying them. It might be uncomfortable to ask, but you never know until you try.

There are ways you can rebuild your credit so you will have a better chance of getting a loan in the future. First, clean up your current credit report. Get a most recent copy of it, and see what is on it. If you find something you need to dispute, you should do so right away. Next, pay all of your current bills on time and if you can pay more than the monthly minimum, you should do so. Try really hard not to use more credit cards and build up more debt. Instead, work towards paying your current debt down. Getting rid of those pesky credit card balances is a great way to rebuild credit. If you have accounts you are not using, you can attempt to get a balance transfer at a lower interest rate to help you pay them off faster.

If you’re trying to get a car, then you’ll definitely want to check out logbook loans: