Do's And Don'ts Of Using A Home Loan EMI Calculator

EMI calculators no doubt are a great tool to help you plan the finance before you dive into loans. It helps you to forecast and plan about how much you are going to borrow and how you will manage the EMIs. 

Most of the times, using EMI calculators can be a bit confusing. Thus, there are certain steps that you must keep in mind when using a Housing Loan EMI calculator.

EMI Calculator

Loans in today’s time have become one of the important factors in buying a property or a finished house. And as per the current market status, there are a variety of options which you can choose from. 

However, a properly selected loan plan will help you avail a Home Loan in a hassle-free manner. It is essential that you select the right loan product as it can help you save much money in the long run.

In the terms of a loan, savings are a result of interest that you save on the EMIs. An EMI is an amount which you are required to pay every month once you have availed the loan. 



It depends on three variables – the amount that you borrow, the tenor of which you have borrowed and the rate of interest which is being provided by the lender. 

Most of the people used to calculate the EMIs manually, however, with recent technological transformations, you can use Home Loan EMI calculator and get the results within a second. 

If you have not used a Home Loan calculator before, here are a few do’s and don’ts that you must follow:

Do’s:

Principle amount: When deciding a principal amount, it is vital that you are realistic about the choice. 

In reality, you will never get the entire loan amount. Thus, be prepared for the adjustments. Moreover, when deciding upon a principal amount, it is necessary that you are sure with the budget. 

Having a rough estimate of the construction cost and additional cost will help you plan more realistically.

Interest rate: When using a Home Loan calculator, know that the Home Loan interest rates of every financial institution differs. 

Most of the institutions determine interest based upon the amount that you are looking to borrow. When it comes to interest rate, credit score plays a vital role. 

Most of the banks have a tentative bracket on their website, make sure you are well-versed with the interest rate that you preferred lender is offering.

Loan Tenor: A loan tenor varies from bank to bank. Some are open to providing a Home Loan of 20 years whereas others can provide a Home Loan of up to 30 years.

Don’ts:

Sticking to a single calculation: While using an EMI calculator, it is important that you check all the websites and do not just try a single loan calculator.

Do not bank completely on it: Housing Loan calculator is a great way to calculate an EMI. However, you must not rely on it entirely.

Not trying different calculations: When using a Home Loan EMI calculator, make sure that you do not just try one option and rely on it completely. Keep trying different combinations and try coming out with the best one!

Home Loan calculators help an individual to gain a fair knowledge about the overall loan process. It helps you to determine the loan amount along with the EMI calculations.

3 Easy Ways to Reduce Maintenance Costs in Your Home

Maintenance is a necessary part of being a homeowner. It’s one of those expenses that adds up during the year, especially if your house is older. 

There are, however, ways to keep these costs down. With a little dedication and a few smart moves, you can bring down the costs of home upkeep. 

Below are three of the easiest ways to reduce maintenance costs in your home.

Be Proactive

If you really want to avoid some of the biggest maintenance costs for your home, you’ll need to be willing to spend a little money. 

The best way to avoid big problems is to catch them before they happen—and in this case, that’s going to mean preventative maintenance. 

Make sure that you have all of your home’s major systems checked out at least twice a year and that you schedule maintenance as soon as you notice even a minor problem. It might cost you a little now, but it will save you thousands in the long run.

Look at Newer Products

Some of the more common maintenance nightmares for homeowners come from older products. While there’s something nice about not having to shell out for a new system, the truth is that the maintenance on older systems can cost much more over the long run. 

his can even extend to areas like your flooring, in which the upkeep costs of the older floors far outstrips the cost of replacing them with newer vinyl flooring through a company like JDC Flooring. 

You should always check to see if there are newer, more efficient products to replace the failing systems of your home.

Work with Professionals

There’s a reason why some people spend years learning the ins and outs of home systems. While you might be handy with a wrench, you probably don’t have the training or experience to deal with major upkeep issues in your home. 

Unless you are incredibly skilled at DIY projects, trying to do complicated upkeep is actually more expensive when you do it on your own. Try to take stock of your own skills and decide if doing it yourself will really save you time or money. In many cases, you will be better off making a phone call.

There are ways for you to avoid some of your more outrageous home upkeep costs. Be willing to work with professionals, to take care of things early, and to replace older systems. 

If you can manage those three simple steps, you’ll save quite a bit on home maintenance.

The Green and Clean Home: How to Save Money on Your Monthly Energy Bills

If you’re like most consumers, you are diligent about saving money whenever you can, whether it’s by using mobile apps or coupons to get the best deals on products or services you buy or by following a strict household budget. 

While it’s virtually impossible to eliminate all monthly energy bills, here are a few tips to help you save some money on them.

Ask Energy Suppliers If They Offer a “Budget” Payment Plan

One of the fastest ways to put a “cap” on your monthly energy bills is by enrolling in your Energy Suppliers Budget Payment Plan. 

Instead of charging customers in full for their usage every month, the energy supplier averages your use and “budgets” payments across multiple months for a predictable price.

Turn down Your Thermometer

While you always want to make sure that you and your family are comfortable, dropping the temperature of your home by just a degree or two significantly impacts your monthly energy bill. 



If you wear a sweatshirt or cover up with a blanket, you’ll still be just as warm.

Winterize or Update Windows

Did you know that the average home can lose as much as 30% of treated (heated or cooled) air? As you can imagine, this is a devastating blow to your pocketbook and the efficiency of your home. 

If possible, consider upgrading your window system to prevent air leaks. If you’re unable to buy new windows, winterizing them is an affordable way to block leaks and prevent drafts.

Replace Old Light Bulbs

Over the years there have been significant improvements made in the lighting industry. Old incandescent light bulbs fell out in favor due to their inefficiency. 

Lighting solutions and bulbs from companies like LED Lighting Wholesale Inc. are energy efficient and flexible to meet the needs of consumers in the United States.

Smart Thermometer

Smart thermometers are a breakthrough that empowers people with remote technology so that they can control the climate (and many other aspects) of their home using an app or their Smartphone. 

If no one is home during the day, you can adjust the temperature accordingly, so you pay less when no one is home.

Take Advantage of Your Fireplace

Using your fireplace is a great way to save money on your energy bills each month. It might require a little extra work by purchasing for finding and splitting your own firewood, but it is worth it if you can heat your home without having to use your furnace. 

This helps you cut down on your gas and electric bills each month as you will be heating your home naturally.

Go Solar

Solar energy is on the rise. You may have even driven around your neighborhood and have noticed some of your neighbors have solar panels sitting on their roof. 

With harnessing the power of the sun can also go solar with your home and consequently save money each month. 

This way you are not having to pay out all of your money to you electric and gas companies. Instead, by going solar you can power your own home (for the most part) without those other companies.

The chances are good that your monthly energy bills account for a significant portion of your household spending. 

The more money you can save each month, the more your bank account will thank you. It also opens up other opportunities to spend your money elsewhere. 

By implementing some of the suggestions mentioned above, you’re doing what you can do to control your monthly energy usage and controlling your budget.

How to Organize Your Finances When Purchasing a New Car

You think you’re ready to buy a new vehicle — perhaps your dream car, truck, or SUV. The problem is, you aren’t sure if your finances will be able to handle the additional burden. 

Well, there are lots of easy ways to organize your earnings and subsequent spending, to ensure that your monthly budget won’t buckle under the strain of your new investment.

Create a Monthly Earnings and Deductions Sheet

How much do you currently earn per month? How much do you spend on rent or mortgage expenses, groceries, insurance, current car installment loan payment (if any), and other miscellaneous purchases? 

Write everything down on paper, and refer to the list throughout the month to ensure you haven’t forgotten anything. If you earn a significant amount more than is needed to cover your monthly budget, then you should easily be able to fit in the cost of a new car payment. 

Also, keep in mind that you’ll require a budget for upkeep and general maintenance.

Calculate Your Payment

The websites for most car dealerships will not only list the prices of their available vehicles, but provide detailed information about each item on the inventory. 

They’ll also calculate an estimated monthly payment, based on your credit score. Some companies, such as Bay Ridge Nissan, realize that this should help you figure out what you’ll be able to afford. 

And don’t forget to call your insurance company for a quote on the additional coverage. If you’re trading in a vehicle, you should have a rough idea of its value before heading to the dealership.

Save for the Down Payment

Start setting aside the amount you can afford for your new car payment every month, so you’ll have more cash to put down at signing. The more you can afford to put down now, the less you’ll pay in the long run.

Registration and Inspection Fees

It’s always exciting to drive off the lot in a shiny new vehicle, but don’t forget that it still needs to be registered. New registrations can edge into the thousands, depending on the car. 

Be sure you take this into consideration when you’re saving for the down payment. Also, make sure the inspection sticker is current when you visit the dealership.

Whenever you’re making a significant purchase such as a new car, information can be as valuable as money. If you’ve done your research and know your budget, you’re ready to begin shopping.

5 Web Design Trends Startups Should Adopt

Web design keeps evolving from year to year and every startup that is looking to thrive on the internet should be paying close attention to the new trends that rule the web design world. 

Innovative and eye-catching web design can really do a lot when it comes to conversions these businesses are looking to make. The competition is fierce in the online business world so any startup that chooses not to update their web design to better fit current trends is missing on a lot of opportunities when it comes to growing their business. 

We'll give you an insight into some of the best current web design trends that you should be aware of as a startup owner. 

Fewer Navigation Options 

Another trend that came out of ever-increasing mobile devices usage is the need to simplify website navigation. 

Streamlining visitors towards 3-5 options helps users stay on track and quickly find what they're actually looking for because no one likes to get lost on a website - a thing that happens a lot on smartphones with overly complicated websites. 



Easier navigation translates to preventing users from abandoning the website, which automatically translates to more conversions and potential sales.

Another big change that happened to navigation is a trend of keeping navigation static, which basically means that those 3 important options will always be available - no matter where on the webpage you are.

GIFs and Animations

GIFs and animations have been a huge hit with websites in the 2017 and they are going to stay that way next year as well. It's just a great and simple way to show important content in a way that's easiest for your visitors to digest. 

It's a well-known fact that professional website design is all about conveying the right message in a quick and easy way, which is something that becomes a lot easier with visual content when compared to the written content. 

Both GIFs and animations are actually lighter on your website speed, so you can actually keep the pages really fast while still maintaining a focus on the visuals. 

Brutalism as a Trend

Recently, as an answer to so many websites opting for minimalism, a new trend has emerged that's completely opposite of it. Instead of going for simplicity, brutalism is all about creating websites that are overly-complicated. 

Sure, this trend isn't for every website out there, but there's something attractive to its ugliness. Web designers focus more on collages of images and text, rather than caring about UX at all. If you go with brutalism design though, you've got to be prepared for people to call your website ugly. 

That's just the way it is, you can't have it both ways - brutalism websites aren't pretty, but they don't even care. 

Handwritten Elements

Using handwritten fonts, graphics, icons, or even buttons is a great way to be unique about your web design yet don't go too far out of the way. It's certainly a great change considering that most websites employ boring, flat fonts that only care about readability. 

Giving your website a unique touch in this manner will provide a great contrast to that and make your website stand out from the crowd.

Minimalism is Still a Thing

This web design trend is actually a fusion of many other web design styles. The idea behind it is to give priority to performance, speed, as well as very simplistic layouts. 

The main reason why this trend came to prominence is a huge shift to responsive websites, which happened due to ever growing requirements for the websites to be mobile friendly. 

Before that, websites usually wanted to put every piece of information on the top to avoid scrolling, which gave websites a cluttered feel. Teaming up with a reliable website design company can do the trick of helping you avoid such problems. 

Mobile devices, however, encourage scrolling so various options can be arranged in a better way. Another important element of minimalism is its usage of white space, which really helps the websites look a lot cleaner. 

The Rules are There for a Reason

By employing the most useful techniques in web design you can ensure that your website stays in line with your competitors, or better yet, even become a leader in your niche. 

Of course, there are other important elements of running an online business beyond having a cool looking and functional website, like SEO for example, since you'll get very little out of your web design if your traffic is really low. 

The trends we mentioned in this guide are all there to inspire you and maybe even motivate you to experiment with web design on your own, which can really turn the table for your business if you do it right.

3 Great Ways to Spend Less Hosting Parties This Holiday Season

As exciting as it can be to throw a big holiday party, the lead up to it can be stressful, especially when it comes to managing your party costs. 

Since the holiday season is such a popular time for parties, throwing one can be hard on your wallet, as you may need to pay more for an event space, a caterer and anything else you need to make your party memorable. 

Keep these three tips in mind to spend less on any parties you throw this holiday season.

Figure Out How Much You Can Spend First

Before you start thinking about what foods you want and where you’d like to throw your party, set your budget for it. 

This is the simplest and most effective way to ensure that you don’t end up spending more on your party than you can afford. 

It’s easy to convince yourself to spend more once you get married to the idea of booking a specific venue or serving certain foods, which is why you’re better off deciding on spending limits first.

Try Snacks and Desserts Over Entire Meals

When you’re throwing a party for a large group of people, the biggest expense is usually the food, and this is especially true if you’re serving any meats. But there’s no rule that holiday parties need to include fancy dinners. 

You can keep your guests’ taste buds just as satisfied with snacks, appetizers, desserts or a combination of those options, and you’ll save quite a bit of money in the process.

Trim Those Pesky Party Supply Costs

Another big holiday party expense is the supplies to seat and serve however many people you’ve invited. You’ll need tables, chairs, plates and silverware at a minimum. 

If you’re planning to book an event space, you should see which of them include those items, as that will be one big expense you don’t need to cover anymore. There’s also the option of renting tables and chairs from a company like Party People Rentals & Sales. 

This costs less than purchasing them, and you don’t need to figure out what you’re going to do with those tables and chairs once the party’s over.

You don’t need to start the new year with a huge party bill on your credit card statement. With smart party planning, you can avoid certain party costs and keep others as low as possible, while still throwing a party your guests enjoy.