Financing Home Improvement Expenses

You have home improvement plans but you just cannot seem to find the right budget scheme to be able to finance a few works around the house. This scenario is not rare as more and more people have to put up their homes for sale due to the recent economic crisis. Some others just want to move out and need their houses to be put up for a price. To be able for the house to become more valuable, renovations and improvement are both musts to raise the home selling price. Or simply, you have grown tired of the same color of wall for the longest time, a good repaint job can make it all the better or the patio needs some repair and improvement of facilities.The reality of people setting up their homes up for sale is no longer out of the ordinary for most people. The real estate sector health has not been that good to since the recession a few years back. Houses for sale was either too cheap or too expensive for most home buyers. And the greatest factor to close a sale of residence is the condition of the house itself. Getting the house in up and running condition with a few interior improvements can greatly improve its tag price or simply just get a new look for its home dwellers. But to get the money in order to be able to do so can be done without too much hassle or too many red tags to comply. Below are some of the financing efforts you can give your home.Create some funds for home improvement. You might have a place, say an attic, where you can put up old items for a garage sale. You can rally up the family members to get creative in disposing the stock items around the house. Old clothes, furniture, books, furniture and many other stored stuffs can fetch handsome prices. Pooling money and cleaning up unused objects can be quite rewarding. Or at times, due to home improvement, some auxiliary properties like a boat or another car can be sold in order to have considerable amount of money.Store credit card can also be an answer for financing your minor home improvement projects ranging from $1,000-$10,000. Membership requires no credit background check as long as you keep in mind they happen to also have higher credit rates and service fees. While picking out the credit card, watch out for the hidden charges and keep notes of your account summary.Home equity can be tricky as it has many financial obligations but can create more amount of money for your home renovations or improvement. It is also recommended to check your local bank home loans as they are easier to manage and keep track. Home loan rates are quite higher in interest rate compared to mortgages as they have little time for pay outs. Do not be afraid to ask the loan officer about your loans as this would help you in making the final decision.Finding the financial capacity to afford your home improvement does not mean you have to break the bank. The best way to get around with it is to stick with a certain budget and approach the improvement with a part by part section. Your home can be more pleasing in time without you having to face additional debts and obligations.

The Traumatic Effects of Slavery and Colonialism

This paper outlines ways of conceptualizing and understanding the intergenerational impact of slavery and colonialism.In consideration of the volatile and emotive nature of this subject I shall define what I mean by black issues. I am using a working definition of black issues rather than present myself as the expert on this theme.The term ‘black’ in this context is a political and sociological term applied to the most visible minority in the UK who are vulnerable to white racism.Black people are the least represented in the field of psychotherapy and counselling and there may be several reasons for this. For example Taboos about washing dirty linen in public and sharing family behaviours and culturally specific conflicts with individuals outside of their communities of origin and their networks. Suspicion about the use of traditional therapies that may be culturally inappropriate and exclusion and misunderstanding due to institutional racism may also be another cause.Having said this, although the term black is generally used to affirm the rich African and Asian heritage of colonised peoples, it is important to be clear that not all Africans, Caribbean peoples and Asians identify as ‘black’. Indeed a Caribbean artist friend alluding to ‘black as a transitional phase through authentic identity development insists that you are black until you are African. In the book I have referred to black issues as pertaining to the experiences and concerns in the lives of black people of which racism has a significant influence. This outlook can therefore be used as model for therapeutic understanding of oppressive influences on other minority groups.I would like to draw attention to the racial or cultural pre-disposition of the black or minority client in the therapeutic process. There are three main areas in this process. The first being the personal and psychological impact that derives from experiences of individual overt or covert racism from which, according to Scheurich & Young (1997) comes epistemological racism. Even if the individual does not accept they are being racist epistemological racism occurs and thus creates discourses of institutional racism and Eurocentricism.The second area of Social and educational impact is evidenced by intergenerational oppression and trauma that can be seen in everyday attitudes. A fifteen year old teenager stands in the centre of a cultural carnival in London and states “There are Chinky’s all around me” A small child points and laughs out loud at a ‘little’ person in a shopping centre, a seventeen year old states that he would kill himself if he were gay. An African Caribbean child hates her hair because it is not silky and straight. These snapshots of intergenerational oppression are influenced by social, cultural and educational reference points and get passed on inter-generationally. They are usually evidenced when unconscious psychological processes are exposed. Therapy creates a dynamic emotional situation that uncovers these civilisational and intergenerational modes of response to diversity and culture. Eurocentricism impacts on the modes of response to these social and educational dilemmas and can determine whether for example the oppression of racism will be challenged and the attached emotional distress supported for both individuals within the perpetrator group and victims of racism.Racism continues to cause trauma and depression. The examination of this problem has been halted in mid flow by a discourse of post racism. Post racism is a defensive excuse to sit in a complacent matrix on laurels and not get messy in attempts to resolve the racial aspects of a transcultural process. It is often forgotten that slavery was damaging both for the perpetrators and the enslaved and both parties must be responsible for how they move on from this atrocity. Silences about the impact of slavery and colonialism within the psychotherapy profession often means that black clients may not have appropriate support for the intergenerational impact of this collective trauma.The traumatic effects of slavery and colonialism can create misunderstanding and lack of attention to the cultural aspects of anxiety. Several indications of this have become apparent. Negative or sole identification with the same group and rejection of members of the perpetrator group is one aspect of isolation that occurs. On an individual level, particularly when support has not been forthcoming isolation & depression can occur. There is strong evidence that don’t discharge signals that emanate from the trauma of slavery prevent individuals from crying or raging about the oppression of racism. Another context of this trauma is the better than or less than ideals that through caste systems and skintonism have widely permeated identity development. In the extreme this is seen in the promotion and use of skin lightening and hair straightening creams to alter physical features. In the book I have created the concept of Black Western Archetypes to assist understanding of the historical context of this phenomenon. An example of this is the step and fetch it pattern born out in individual fear of challenging racism and the relegation of lower status positions of black people in the labour market, particularly in the domestic field.The third area of trauma and the cultural aspects of anxiety can be seen when denial of the experience of racism or denial of being a member of the perpetrator group becomes apparent. Fear of the enormity of the impact of racism is a major part of this type of response. Fear of isolation & rejection by peers due to recognising the powerful position of being in the perpetrator group, or naming the oppression as a victim can occur. On top of these fears, individuals often experience fear that the associated powerful feelings caused by racism cannot be repaired. This is where the concept of recognition trauma also mentioned in the book comes in. I have stated that I believe there is a process of recovery that can happen once recognition trauma, which is an understanding of the powerful feelings, associated with racism and ways of facilitating the experience are acknowledged.

International Car Rentals – Before You Take Your Flight Overseas

Taking a business or leisure trip internationally? Whether it be across the ocean (or maybe only Canada or Mexico, perhaps), this literature is here to inform you on some of the most basic, yet paramount, facts about what you need to know about international car rentals. It is a pretty well-known fact among veteran travelers that the transportation systems in many foreign countries (most notably Western Europe countries, Australia, and Japan among others) are very efficient, cost-effective, and safe. However, you are probably looking for an international rental car not necessarily for those factors, but because you want your own dependable mode of transportation. In addition, in many foreign destinations, public transportation does not exist or is burdensome/expensive/rare and so forth, so take a good look at this list for before you go international car rental shopping.In the case that your destination is Mexico or Canadian-bound, take note that if you rent the automobile in the U.S. and you cross the border with it, the insurance provided on the car by the rental car company is almost always void, unless it is made clear by the agency that this is not the case. Check with your local agent or their international car rentals counterparts.When considering international car rentals, it is almost always better to book your car in advance-rather than when you arrive (say, in Paris, France or Berlin, Germany, for example). Trust me on this one, you’re going to save money and also have a much better chance of getting the international car rental type of car that you want.If you do nothing else, take heed of this: Go through your travel agency or your service agent to get an international driver’s permit. From experience I know that they are quite cheap, and potentially invaluable should you meet with trouble overseas.Going to Europe? A word to the wise: Selecting a compact car will probably save you time and money. How is this, you might ask? Throughout a lot of the continent, the streets tend to be quite thinly spaced and parking can be exactly like New York City.Upon returning international car rentals to their dealers, you realize that you need to/want to drop it off at another location. This is an often the case with travelers, and it is usually not a problem—just be aware of any remote drop-off fees—lest you want to incur a big charge.Something else that could be very valuable when searching international car rentals is packages. Sites such as Expedia, Travelocity, Orbitz, and so forth offer hundreds of combination packages with you get a great deal on say an air fare, hotel, and rental car.