True cost of Phil and Kirsty’s ‘love it’ TV property advice: £54,000

first_imgPhil and Kirsty are so enshrined in TV property mania they don’t even need surnames, but do estate agents make enough use of the dynamic duo’s advice? If not, perhaps they should – even if it’s ‘just a refresher’.With, hopefully, a less anxious, more lively property sales market – 2020 should be a great year – if you have the vision…So here’s some food for thought, inspired by ‘Love it or list it?’ and kindly supplied by www.insulationexpress.co.uk. After watching series 1-4 of the TV show, they uncovered that the average Love It or List It home renovation costs £54,111.And the programme has also proved that many potential buyers see a home and immediately ‘see’ the potential problems. However, the smart agent has suggestions for a solution to practically anything, but this is a launchpad for your own list of potential issues and solutions.ProblemSolutionNotesA lack of spaceAdd a loft conversion or an extension to the house. Or if you’re on more of a budget, changing the layout of your home i.e. switching the kitchen and the living room.64% of ‘participants claimed a ‘lack of space’ was their main reason for wanting to move.Not making use of the dining roomKnocking through the wall of the kitchen that connects to the dining room, and transforming it into a large open kitchen and diner space.The dining room was the least used room of the house, so it’s no surprise that 86% of participants chose to create an open plan kitchen.Using the kitchen for numerous purposesAdding a utility room for washing and ironing, freeing up space in the kitchen.32% of ‘Love It or List It’ participants added a utility room.Wanting to renovate but having a smaller budgetConsider repainting your home and buying new kitchen doors.One household added £20,000 to the value of their home by making these small changes.The bathroom being too high maintenance Updating the current bathroom so that it’s more modern, functional and easier to clean. 64% of properties refurbished their bathroom or added an additional bathroom.They also delve into the:Top reasons Brits want to move houseUK’s most-loved and despised roomsAverage cost of renovating your homeNumber of Brits that choose to renovate rather than move houseMost profitable house renovations to considerRead more about Phil & Kirstie.Love it or List it Kirstie Allsopp Phil Spencer Channel 4 January 17, 2020Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Housing Market » True cost of Phil and Kirsty’s ‘love it’ TV property advice: £54,000 previous nextHousing MarketTrue cost of Phil and Kirsty’s ‘love it’ TV property advice: £54,000Research by interiors firm reveals how much it costs home owners to do up their properties rather than than sell it and move to a better home.Sheila Manchester17th January 202001,797 Viewslast_img read more

Daylight Saving Time begins at 2 a.m. on Sunday

first_imgIndianaLocalMichiganNews Daylight Saving Time begins at 2 a.m. on Sunday Twitter WhatsApp Facebook Pinterest By 95.3 MNC – March 7, 2020 0 281 Google+ Pinterest Twitter Previous articleTwo men arrested in connection with home invasion, dog shooting death in Cass CountyNext articleMichigan insurers cover virus tests; Medicaid copays waived 95.3 MNCNews/Talk 95.3 Michiana’s News Channel is your breaking news and weather station for northern Indiana and southwestern Michigan. Google+ (“119: Daylight Savings Time” by Denise Mattox, CC BY-ND 2.0) (Brian Davis/95.3 MNC) You’ll want to remember to turn your clocks ahead one hour Saturday night before you go to bed, because at 2 a.m. on Sunday, March 8, Daylight Saving Time begins.Clocks will need to be manually set ahead, although most personal electronics, including mobile phones and tablets, tend to do so automatically.Daylight Saving Time, called “Summer Time” in other places of the world, is designed to move an hour of daylight from the daytime into the evening, and it’s not limited to just the U.S. as many other nations do the same thing, but on different dates.Some “Fun Facts” about Daylight Saving Time:Daylight Saving Time was first conceived by none other than Benjamin Franklin, during his time as a delegate in Paris, France in 1784. Franklin detailed his thoughts in an essay called “An Economical Project”. Some of Franklin’s friends, inventors of a new type of oil lamp were so impressed by the idea that they stayed in touch with Franklin after he returned to the United States.The first serious advocacy for the concept was in Great Britain, by London builder William Willett, who penned a pamphlet entitled “Waste of Daylight” (1907). Willett wanted clocks advanced by 20 minutes each of the four Sundays in April, and then moved back 20 minutes on four Sundays in September. His idea was largely ridiculed.Germany was the first country to enact Daylight Saving Time. Following Germany’s lead, the British Parliament enacted “Summer Time” in 1916 to a storm of opposition and protest.Daylight Saving Time was first adopted in the United States in 1918, during World War I. It continued through World War II with a focus on productivity for war time. During the Energy Crisis of the 1970’s Daylight Saving Time played a role in conservation efforts across the U.S.Proponents of DST generally argue that it saves energy, promotes outdoor leisure activity in the evening (in summer), and is therefore good for physical and psychological health, reduces traffic accidents, reduces crime or is good for business.Opponents argue that DST disrupts our circadian rhythms, negatively impacting our health, that it increases fatal traffic accidents, that the actual energy savings are inconclusive, and that DST increases health risks such as heart attack. Farmers have tended to oppose DST.One final trivia fact: Daylight Saving Time is not enacted in Countries on and near the equator. There’s no need to because their day and night times don’t vary much as more Northern or Southern nations do, due to the tilt of the axis of the Earth’s rotation.Love it or hate it, when you wake up Sunday morning, it’ll be here. And just around the corner – Spring. WhatsApp Facebooklast_img read more

Danica ‘honest’ with Stenhouse about wreck

first_imgSunoco Rookie of the Year contenders sort out Coca-Cola 600 accident on way home from track READ: Harvick’s late charge leads to 600 win READ: Kenseth, Johnson hopes wrecked in 600 READ: Pit crew key as Hamlin claws back DOVER, Del. — You bet. Danica Patrick readily admits she was miffed at her boyfriend Ricky Stenhouse Jr. after the two of them –- along with reigning NASCAR Sprint Cup Series champ Brad Keselowski –- crashed late in Sunday’s Coca-Cola 600.But after a ride home with Stenhouse that included many “silent moments,” Patrick insists everything was fine. They had beers together later that night and spent the next day relaxing on the lake. READ: Post-Coca-Cola 600 Driver Reports “We’re just very honest and keep things simple. We didn’t even talk about what we were going to say. The only thing to know is we are honest about the things that happened, and it was just a racing incident.”—Danica Patrick on relationship with Ricky Stenhouse Jr. Patrick was still good-naturedly answering questions about the incident Friday at Dover, Del. and wasn’t a bit surprised about all the interest the story has generated.“Of course, there’s a little bit of a human interest story there with having Ricky and I being involved in that accident and being in the same general vicinity,’’ Patrick told reporters prior to opening Cup practice at Dover International Speedway. “I understand that, but at the same time, he was part of the three-wide that made the accident so it’s legitimately something that should be asked.“We’re just very honest and keep things simple. We didn’t even talk about what we were going to say. The only thing to know is we are honest about the things that happened, and it was just a racing incident.“We’re going to give our perspective on what happened.  I understand it’s interesting. I’m sure I’d want to know how that all went down after the race too. We’re an entertainment sport.”“I was definitely upset and angry about the situation. I was a little bit upset with him and we talked about it. It’s absolutely fine now, and we were fine by the end of the ride home. That’s what happens out there. Tensions are high and so are emotions.’’Those emotions extended to Patrick’s team owner Tony Stewart, who criticized Stenhouse on SIRIUS XM Radio after Sunday’s race saying that although Stenhouse is “like family” he would “choke (him) right now if I could get to him” for some of his recent racing moves.Despite the fact Keselowski immediately shouldered the bulk of the blame for the Charlotte accident — he said he didn’t realize they were three-wide –- Stewart and Patrick questioned Stenhouse’s hard racing at the time. He was two laps down, and Patrick was contending to become beneficiary of the free pass that would have put her back on the lead lap as the race wound down.A week later, Patrick chalks it up to hard racing and different agendas.And, she reminded, Stewart and Stenhouse are actually good friends.“Don’t you want to choke your kids every now and then?’’ Patrick joked about Stewart’s word choice. “That’s between them, and I know they had a conversation about it Sunday night. He (Stewart) loves him (Stenhouse) like a son. You’d never hurt your son; you’d only help your son.’’Stewart didn’t just single out Stenhouse. He also suggested on the radio that maybe all the rookies and several young racers could use a reminder on racing etiquette.“If Tony’s hard on rookies, I just thank the good Lord above I’m on his team,’’ Patrick said laughing.“What I’d say about Tony is he wants to help teach the rookies. … the rookies he respects and feel like they should get that time of day. If he didn’t think they were good, he wouldn’t try to help them because they won’t be around for long in his opinion.“He wants them to learn to play the game the way he’s learned to play the game, and he’s been around a long time and has been very successful. It’s actually a good thing that he wants to help and will speak up because, at the end of the day, we don’t see each other every two weeks; we see each other every five days and you need to take care of those relationships or they can bite you.’’As far as Patrick is concerned, Charlotte was a good lesson in many regards. Since she and Stenhouse went public with their romance in the preseason, she had been expecting increased scrutiny during this first-of-its-kind Sunoco Rookie of the Year battle.“These are racing things, you know,’’ Patrick said. “We find ourselves frustrated with other drivers all the time along the way. There are lots of them. It’s just one of those things that we had to deal with, but we knew that and we’re better for it.’’READ MORE: ___________________________________________________________________________________________Comments are currently unavailable. We’re working on the development of a NASCAR fan forum – please stay tuned.last_img read more

Gov’t Mule Announces Release Of First-Ever Recording Session From 1994 [Listen]

first_imgBack in 1994, Warren Haynes and Allen Woody conceived Gov’t Mule as a fun side project to fill time between Allman Brothers Band tours. Now with thousands of shows under their proverbial belts, the band has cemented its place as one of the greats within the jam scene. It all started with one fateful recording session, with Haynes, Woody, and drummer Matt Abts, held at the Tel-Star Studios in Bradenton, FL in June of 1994. A full 22-years later, it goes without saying that there was some magic in the Mule.After all this time, fans will have an opportunity to relive the magic, as the band has announced The Tel-Star Sessions. Due out on August 5th via Evil Teen Records, The Tel-Star Sessions capture ten glorious tracks that were intended to be the Mule’s debut album. Instead, the studio session will see the light of day in 2016, complete with CD, digital, and 180-gram vinyl release.In celebration of the archival selection, the band has shared the leading single; a cover of ZZ Top’s “Just Got Paid.” Listen to the new single below, courtesy of CoS:The Tel-Star Sessions is due out on August 5th, and the full tracklisting can be seen below. Pre-orders are going on here!The Tel-Star Sessions Tracklist:01. Blind Man In The Dark02. Rocking Horse03. Monkey Hill04. Mr. Big05. The Same Thing06. Mother Earth07. Just Got Paid08. Left Coast Groovies09. World Of Difference10. Bonus Track: World Of Difference (Alternate Version/Original Mix)  [Photo via Kirk West/CoS]last_img read more

Pink Talking Fish Plays “Animals” Themed Post-Phish Rager [Gallery/Setlist]

first_imgHybrid tribute fusion band Pink Talking Fish brought their wares to New York, NY on December 30th, playing post-Phish for a raging performance at the Gramercy Theatre. The band put on an Animals concept show, playing the Pink Floyd album in full while also incorporating different animal themed songs from Phish and Talking Heads.Check out the setlist below, as well as a full gallery from Capacity Images.Setlist: Pink Talking Fish | Gramercy Theatre | New York, NY | 12/30/16Pigs On The Wing Part 1>Runaway Jim>Animals>Runaway JimDogs>The Dogs>Wild Wild Life>DogsGuyute>Pigs (3 Different Ones)>GuyuteSheep>Camel Walk>Psycho Killer>Several Species of Small Furry Animals Gathered Together in a Cave and Grooving with a Pict>Sheep>The LizardsPigs On The Wing Part 2E: Run Like An Antelope Load remaining imageslast_img read more

Common Core Tests Loom, Intensifying Debate in NY

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York Long Island educators and New York State lawmakers are scrambling to avoid a repeat of last year’s controversial Common Core curriculum-mandated tests before the next round of exams are given in April.After a four-hour debate Thursday, the state Assembly voted down a proposal by Assemb. Al Graf (R-Holbrook) and Ed Ra (R-Franklin Square) to halt Common Core in New York State. With the curriculum going full steam ahead, Suffolk County’s superintendents last week appealed to Gov. Andrew Cuomo—days after the governor addressed the issue in a TV commercial that debuted.“Cancel [the test], then start working right away on getting it right,” Suffolk County Superintendents Association (SCSA) President and Middle Country superintendent Roberta Gerold, who co-wrote the letter to Cuomo, told the Press.  “The hope is that whatever tests we put in place are measuring the curriculum that’s being taught and with the Common Core, the curriculum was pushed in so quickly along with the testing that there was no chance to prepare.”The troubled implementation was shown in only 31 percent of 3-8 grade students statewide passing the state’s new tests last year, according to state education department, unleashing a fury of protest from parents and teachers.Long Island Parents & Teachers Revolt Against Common CoreAfter the Common Core delay bill failed, protestors rallied outside the Smithtown office of state Sen. John Flanagan (R-East Northport), chairman of the Senate education committee, calling on him to support the legislation. He instead left the door open to support a proposal by Sen. Lee Zeldin (R-Shirley) that would allow school districts to opt out of Common Core while a commission reviews the curriculum.The SCSA letter urged Cuomo to step in on behalf of the students and halt this year’s testing until Common Core is implemented fully to “avoid students, once again, being tested on materials not yet taught,” the letter states.This letter was a last ditch effort to get change before the tests after similar letters to the Board of Regents fell on deaf ears, prompting the SCSA to appeal directly to the governor.  It was sent to Cuomo days after he aired a campaign ad last weekend that takes state testing to task.“It creates anxiety and it’s just unfair,” Cuomo said in the commercial. “And their scores should not be counted against them.”This was a stunning acknowledgement from a governor who has shown staunch support of education reform. Yet, even if the scores are rendered meaningless but the state, students must still take the tests.Same as Cuomo, SCSA does not favor abolishing Common Core, which they support, but to undo the damage of the testing cycle by taking a deep breath, gathering the materials they need to teach the new curriculum to the students and then rolling back into testing next year. This time, they want to do it right.“You had kids being tested on stuff they were never taught, material the teachers had yet to see and to master, real shifts in how you process math problems, shifts in the length of reading passages and the level of vocabulary that was in the passage and a level of thinking and comprehension that was dramatically changed,” Michael Mensch, the letter’s other co-author and Chief Operating Officer of Western Suffolk BOCES, said of the rigorous new standards. “Everybody was coming forward saying, We’re lost! We don’t have the materials… It appears to be the way to go, but getting there has been extremely flawed.”Mensch pointed out the process has been turned upside down.“In a traditional pathway of instruction for teaching children, you teach the material, then you do a benchmark: what do they know?” he explained. “Then you would teach material, administer exams, then you would do what is called an item analysis.“I have a class of 25 kids,” he continued. “I think I taught them fractions. I give them this benchmark and half the class gets these items wrong. So I know I missed something, so I go back and I work on it. That’s not what these exams do. They pump out a score. Teachers never see the exams. They don’t see the questions. The whole process is structurally wrong.”The superintendents do not want to throw the baby out with the bathwater, however. They are not in favor of dispensing with the entirety of educational reform. They support higher standards of education. If fact, they welcome it.“No one’s opposed to having more rigor in the curriculum,” said Gerold. “In fact, that’s kind of welcome to have the push from outside telling us we have to get it done. Sometimes you need that. My worry is that people are impatient with the Common Core itself because the assessment process was put in so poorly.”But, because $700 million of the Race to the Top federal funds that were allocated to New York State are contingent upon the full implementation of the Common Core curriculum, including 95 percent of each school district administering state assessments for grades 3 through 8, the threat of losing that money has made lawmakers reluctant to reform the program.“The money that we spent was to move forward the data piece,” said Gerold. “It wasn’t that much money—$78,000 I believe over four years…The money should be used to put the systems in place accurately and quickly, the results are going to be realized faster than having them shoved through the way in which they’ve been shoved through, distracted by all of this protest.”Mensch believes the way around giving back the Race to the Top funds is to file a waiver and appeal to what he believes is common sense.“There’s a waiver process,” he said. “Submit a waiver and say we’re unable to do this right now for the following reasons. We’re of the mind that there’s sufficient evidence that the rollout is so flawed that they need to get a waiver for a least a year to protect these kids from sitting in front of these crazy exams and frankly being punished by it.”Stefanie Baranek, a mother of three from East Islip who opted her sons out of the state tests, is growing impatient in the meantime.“The whole thing just gets me crazy,” she said. “If they dismantle some of this test-taking urgency, I think it will release some of the pressure. People start to look at it more intelligently.”Mensch, like others involved in the fight, suspect election-year politics is further complicating their efforts.“Why is the governor and the [education] commissioner so reluctant to do what’s right?” Mensch asks rhetorically. “It’s because they’re going to look bad. It’s politics.”last_img read more

6 dumb places you’re leaving your money

first_img 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Do you hate compound interest? Don’t you know that compound interest is magic? Don’t you want to be rich? Are you afraid to retire with zero savings? You should maybe relocate your cash, ASAP. Because, oh, the places you store your money are so completely dumb. (See also: 3 Ways Your Cash Rewards Can Make You Rich)Here are some really stupid places to keep your money.1. Fancy Coffee AppsIf you feel like the crux of every other personal finance article is, “You are going to retire as a hobo if you don’t stop drinking fancy coffee,” you would be right. The perils of fancy coffee wouldn’t be such a hot topic (and by hot I mean beaten like a dead horse) for financial writers if North Americans didn’t treat their Starbucks card like the more caffeinated version of a checking account. As of the first quarter of 2016, Starbucks customers had a total of $1.2 billion loaded onto Starbucks gift cards or its mobile app. For comparison, $1.2 billion dollars is more money than many large financial institutions like Charles Schwab, Discover, and Mercantile Bank have in deposits. That unused money you have stored on your Starbucks card is not earning any interest. continue reading »last_img read more

CU tackles compliance challenges with teamwork

first_imgAs Greenwood Credit Union in Warwick, R.I., continues to grow and add products and services, its compliance demands increase correspondingly.To cope, the $470 million asset credit union turns to teamwork and partnerships, says CEO Fred Reinhardt.Greenwood recently was approached to offer banking products related to Marijuana Related Businesses (MRB) in accordance with the state’s medical marijuana program. While this presented an opportunity, it also added an element of risk.Before serving MRBs, the credit union established a program that allowed it to serve these businesses while complying with regulatory requirements and best practices. It designed its policies, procedures, risk assessments, and other tools to manage the risks involved with MRB accounts.As a result, Greenwood can provide banking services to an underserved market while managing the risk and compliance requirements. continue reading » 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Croatia one step closer to visas for digital nomads

first_imgPhoto: Helena Loper, Pexels.com At yesterday’s 18th session of the Government of the Republic of Croatia, a draft final proposal was adopted of the Aliens Act, in which temporary residence is granted to a third-country national who intends to reside or resides in the Republic of Croatia for the purpose of residence of digital nomads. Pursuant to Article 4, an application for the regulation of temporary residence for other purposes or for the purpose of residence of digital nomads may be submitted by a third-country national after the within six months from the expiration of a temporary residence permit that has been granted for other purposes or the purpose of the residence of digital nomads. Thus, the first concrete steps were taken regarding the introduction of visas for digital nomads.center_img As stated in the draft final bill on foreigners  digital nomad is a third-country national who is employed or performs work through communication technology for a company or his own company that is not registered in the Republic of Croatia and does not perform work or provide services to employers in the territory of the Republic of Croatia. “I think this is an important Act. We are among the first countries to go into the legal regulation of digital nomads, and this will be accompanied by appropriate changes in the law in the tax domain as well as in the domain of health insurance.”Pointed out the Prime Minister Andrej Plenković as a review regarding digital nomads. last_img read more

Letters to the Editor for Sunday, Jan. 6

first_imgCategories: Letters to the Editor, OpinionLegislative schedule is great if you have it Media ignores cop killing by immigrantMany times by omission, the media can prove its bias just as well as with a report. Such is the case with the murder of a police officer in California. I know a police officer’s murder to most media, unless local, isn’t very newsworthy. But in this case,  it bears telling.His name was Rolil Singh a legal immigrant from Fiji. He worked hard, even took language classes to improve his speech. On Christmas night, doing his job, he was shot and killed by an illegal immigrant with two prior arrests who was never brought to the attention of ICE because of the state’s sanctuary status — pretty much like your legislators want to do in New York. There, I told the story as you haven’t seen it on these pages. Hmmm wonder why?Alan BuzanowskiSaratoga Springs Trump is failing as a military leader, tooIt is indeed ironic that the president, a failed businessman, has chosen to blame conditions in Syria on “failed generals.”In his ongoing effort to blame others for his own shortcomings, he has now focused his criticism on America’s military leaders — leaders who have dedicated their lives to defense of our nation.For a man who never spent a day in uniform this is particularly shameful. He’s withdrawing troops from Syria, where terrorists remain, and sending them to the Mexican border. Is this the action of a man who understands the role of the U.S. military? I think not.Bruce CastkaEstero, Fla., and Canajoharie American people are not all behind TrumpIn his Jan. 2 letter, Lowell Montgomery states, “The Democrats have refused to accept the fact that President Trump won the election. Well he did. Get over it.”He is correct. Donald Trump won the election.He is the president. He also lost the popular vote by millions.The American people are not buying what Donald Trump is selling.“Get over it.”Michael BoehmSchenectady More from The Daily Gazette:EDITORIAL: Beware of voter intimidationCuomo calls for clarity on administering vaccineGov. Andrew Cuomo’s press conference for Sunday, Oct. 18EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Thruway tax unfair to working motorists For those of us in the real world, 2019 will be a full year of work.For those of us who work in the private sector we will be working till the end of December.We the people will be working five- and six-day work weeks throughout the year. Some of us will be working two jobs just to make ends meet. And if one is working on the family farm, well you know there won’t be a day of rest all year. That’s how it is in the real world of the private sector. Now if one was fortunate enough to be stealing a living in the public sector here in New York, you would be on easy street. If you happen to a lucky member of the New York State Legislature, you just recently got a 60 percent pay raise. Wouldn’t it be nice to have a part-time job that pays $110,000 for 61 scheduled days of work? How about having your work year over in June and not having to report back to work for six months? The legislative session starts on Jan. 9 and ends on June 19. How would you like having a work schedule like this?January: 7 days of work; February: 7 days of work; March: 16 days of work (only 5-day work week); April: 8 days of work; May: 12 days of work; and, June 11 days of work.All that is wrong with New York! Jerry FioreSummitlast_img read more