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Study Tips for the New School Year

After several months away, preparations for a new school year can be overwhelming and intimidating.

Whether you spent the summer relaxing or working, transition to the routine of the school week can be a challenge. Some adjustments to personal habits, mental preparation, and simple organization of supplies can boost confidence of both the students and parents as the school year begins. Below are a few helpful tips:

1) A designated work area can make studying more fun and help motivate your child. Students require a work space that is quiet and limits distractions so that they can study effectively. As young as they may be it is beneficial to create an environment where they are able to complete their home assignments, study and read. To maximize efficiency in this work space, try out these simple organization tips:

a) Keep the area neat and clutter free. Ensure that there is adequate space for the basics and get rid of everything else!

b) Having a personalized calendar to keep track of assignments throughout the school term can help students remember the work that needs to be done – some children need extra help remaining organized and remembering their assignments.

c) Including a clock in the study area can also help them stay on schedule. A clock matching the decor of the study area would be a great idea. Musical wall clocks that emit a tune after a certain period of time such as a cuckoo clock are great for children.
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Design Tips for Your Small Kitchens

Many homeowners dream of having a large kitchen with ample floor space that can accommodate all their appliances and furniture, possibly designed with a decent sized island capable of sitting the entire family. But the reality is that when the total floor space of the home is limited it usually results in a small kitchen in order to allow for the other rooms to be larger. And at times it may prove difficult trying to make a small space function as it should while making the room look stylish, and spacious. Difficult yes, but not impossible. Here are six (6) tips that you can use to give your small kitchen a spacious feel.

 

  • A functional floor plan is important regardless of the size of your kitchen. The most fundamental appliances (the stove and the refrigerator) as well as everything else in the space should be easily accessible. Also, ensure that there is enough countertop, and cabinet and cupboard space.
  • It will be very difficult for a compact kitchen to effectively function with large appliances that take up most of the space. When buying items for the kitchen you will need to scale down the size of the appliances to save on space.
  • Using glass is one of the easiest ways to make a kitchen look and feel larger. Glass surfaces reflect light which helps visually expand the room. Consider including glass furniture, or glass counters, tiles, cabinets or doors. One or two mirrors can also be placed in strategic areas in the kitchen where they would be most effective in reflecting light.
  • Using too many colors in a small space will overwhelm the room so consider sticking with a single color or a monochromatic color scheme. Light colors are known to reflect light and draw the eye upwards making ceilings appear higher and the room by extension larger. Regardless of the color(s) that you choose keep the kitchen appliances and décor in mind.
  • In a small room storage is extremely important so having ample cupboard space is a must. However, having too much of anything has its drawbacks. In the case of cabinetry including too much can make the room feel claustrophobic. One way to get an open feel while maximizing on storage space is by trading the cupboards for open shelving. If you do not like this option, cabinets with glass doors are a good alternative. Other options to consider are installing pot racks and spice holders on the walls. Or maybe including a pantry where items can be stored in bulk to cut down on the need for cupboards.
  • Ensure there is sufficient light. Light plays a major role in the atmosphere of a room so no matter what you do to create a spacious environment, if the lighting in the room is bad it will always feel small and stuffy. To set an ideal ambiance, a compact kitchen requires a combination of both task lighting and atmospheric lighting.
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SCHOLARSHIP NOTICE

We invite applications from students who will be enrolled for the Architecture Associates degree program at the Dominica State College in September 2018 for the award of a scholarship covering tuition fees for the two (2) year duration of the program.

 

Applicants should apply using the online application form by clicking here or by collecting an application form from our office at 24 Church Lane, Pottersville, Dominica.

 

Deadline for receipt of scholarship applications is 15th August 2018.

 

For further information:

Jillian La Rocque

Marketing and Sales Manager

614-1806

jjnocharles@millenia.dm

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Ross University’s Leaves Dominica

Ross University School of Medicine (RUSM) is a private international medical school located in Bridgetown, Barbados as of August 2018. The main campus is now located in Barbados, and separate administrative bases are located in Iselin, New Jersey and Miramar, Florida in the United States.

 

RUSM was originally named The University of Dominica School of Medicine and was founded in Portsmouth, Dominica in 1978 by entrepreneur Robert Ross. In 1982, the University Of Dominica School Of Medicine formally changed its name to Ross University School of Medicine at the request of the government of Dominica.

 

The school was impacted by Hurricane Maria in 2017, when the Category 5 Hurricane struck the island of Dominica. Students and faculty were located through a university-initiated roll call, and then were evacuated from the campus to the U.S. mainland.

 

Ross University School of Medicine has announced that the main campus will be permanently relocated from Dominica to Barbados for the beginning of the 2019 Spring semester due to extensive damage done to the prior campus in Dominica.

 

Prime Minister Roosevelt Skerrit issued an address informing the nation has that Ross University has taken a decision to leave Dominica. Below is a video of the entire address by the Prime Minister:

 

The Ross University School of Medicine pre-clinical campus will be located at the Lloyd Erskine Sandiford Centre at Two Mile Hill in Barbados. The campus is expected to feature a medical and anatomical imaging laboratory, a simulation center, and classrooms equipped with several plasma screens and projection equipment, similar to the previous campus in Dominica.

 

For more information, visit medical.rossu.edu/

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3 Important Questions to Ask Prospective Tenants

The best way to help ensure that you chose the right tenant is through a screening process that you will be able to use for every prospective tenant that expresses interest in your property. You can either create a rental application form or have an open discussion with the prospects, whatever works best for you. The goal of both methods is to gather necessary information about the prospect that will help you to make a decision. There are a lot of questions that can be asked during the screening process, but these should never be forgotten:

  • Why Are You Moving?

This very simple question can provide a lot of information about a prospective tenant. You want to look for reasonable explanations such as wanting a shorter commute to work or needing a larger space. Be cautious when dealing with prospects who have been evicted or who are moving due to issues with their current landlord or neighbors. While exercising caution still keep in mind that the fault may not lie entirely on the prospect so remember to give them the benefit of the doubt.

  • What Is Your Monthly Income?

The question of income can help you determine whether or not the prospective tenant can afford to pay the rent for the property. Ideally you will want to accept a tenant whose monthly income is significantly higher than the monthly rent. Especially if they are leasing the property on their own. In a co-applicant situation where more than two or more individuals are leasing the property together the collective income of the applicants should be able to cover the rent and any additional utility cost that may not be included.

  • Can You Provide References?

References are very important. The prospective tenant should be able to be able to provide names and contact information of suitable individuals who are willing to speak to their character. If the prospective tenant does not feel the need to provide references you should not consider giving them a second thought. Apart from personal references, references from an employer and landlord is recommended. The employer will help verify income and stable employment while the landlord will provide you with information on what you can expect from the prospect as a tenant.

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Take Charge of Your Mortgage

You’ve taken the leap and decided to buy a home. After signing a mountain of paperwork, you are now the proud owner of your own residence. When the first mortgage payment comes due, you are hit by the reality of what you have done. You have taken on 30 years’ worth of massive payments, in an economy that makes no promises about long-term job stability.

An aggressive plan for mortgage prepayment can help reduce this long-term commitment and save you money.

Plan Before You Buy
Look before you leap and do the math in advance, to determine how much house you can afford to buy, then buy less house than you can afford. This strategy will ensure that you have adequate cash flow to make extra mortgage payments and will provide some cushion, should you have to take a lower-paying job at some point in the future. Also, make sure that your mortgage does not impose a penalty for prepayment. This clause can put a damper on your efforts to get out of debt.

Next, you need to pay attention to the financing terms. While adjustable-rate mortgages offer lower initial payments, they are used all too often to enable buyers to get into homes they cannot actually afford. If your plan is to get out of debt as quickly as possible, a fixed-rate mortgage provides the predictability of a steady interest rate, and it can always be refinanced if rates fall.

How to Pay Off a Mortgage 
Once you have a mortgage, the key to paying it off is simple: send money to the bank. Set aside some cash and make at least one extra payment on your mortgage per year or each month add a set amount that you can comfortably afford (say $15 or $25) to your payment. Another idea, apply the next tax refund towards your mortgage principal.

If your career advances over the years, put those raises and bonuses to work by sending them to the mortgage company. You were doing just fine without that money, and you won’t miss it if you don’t get used to having it in your budget.

Keep an eye on interest rates and, if they fall, consider refinancing. If you can reduce your interest rate, shorten the term of your loan or both, refinancing can be an excellent strategy. Just don’t make the mistake of keeping your term the same and taking money out.

The Bottom Line
There’s no time like the present to begin your quest to pay off that mortgage. Start by reading your amortization schedule; once you see exactly how much of your monthly payment goes to interest, and what a tiny portion goes toward paying off the principal, you will realize that every extra dollar you send, reduces the portion of your payment that services your interest expense. That can be a powerful motivator, for financially savvy individuals.

If you focus your efforts on the task at hand, you may be surprised at how quickly you can retire a mortgage. With your mission accomplished, you will find that the comforts of home are even more pleasurable when it is you, not the bank, who owns the home.

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3 Simple Tips to Improve Your Living Room

Interior design is defined as the art and science of enhancing the interior of a building or room to achieve a healthier and more aesthetically pleasing environment for the people using the space. As a home owner it is important that your home environment is healthy, while being both stylish and functional. In today’s article we share three simple interior design tips to improve your living room.

  • Repainting the walls is a rather cost effective way to uplift any room. Consider adding a fresh coat of paint to bring new life into the living room. If your living room is not as large as you would like add light colors to help the space appear larger. A fresh coat of paint would not only be useful for the walls. Doors, tables and other pieces of furniture can make a big difference to a room with a little touch of paint.
  • The inclusion of plants in your living room is a budget friendly way to beautify the room while adding a dash of color and texture. Not only do they add beauty but plants also help purify the air, making it easier to breathe and relax. This has been proven to reduce stress levels and improve focus and creativity.
  • Rather than replacing your current pieces of furniture consider having them updated. Depending on the quality of your furniture, this can be a much more affordable option than replacing it. Give it serious consideration. Does your entire couch need to go or can a little bit of work make it as good as new while saving you money?

Were the above tips useful?  Share this article with family and friends.

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Eat-In Kitchen or Dining Room?

If you could only have one in your dream home, would you rather an eat-in kitchen or a formal dining room?

 

The option of eating in the kitchen has always held a strong appeal. An eat-in kitchen is a kitchen designed to accommodate meals and is ideal for multitasking. It provides a place for friends and family members to casually socialize and enjoy a meal, while also serving as a food preparation area. In addition, an eat-in kitchen is not limited to any particular arrangement and chairs and tables can be added and rearranged at ease.

 

Depending on the size of your kitchen, you have a number of choices for creating an eat-in kitchen:

  • Where there is not sufficient space a breakfast bar or Kitchen Island would work great with imaginative counter stools.
  • If there is a bit more space available consider adding a welcoming breakfast area.
  • For large kitchens in homes with large families including a dining table that seats a larger number of people is a good option. This provides the option of having a more formal dining area if a separate dining room is not an option.

 

If you desire to include an option for formal family meals or host formal social gatherings a dining room would be more beneficial than an eat-in kitchen. The typical dining room contains a table and chairs arranged along the ends of the table, with other pieces of practical storage or decorative furniture.

 

Décor such as flowers, vases, mirrors and photos of family or sceneries are excellent items for uplifting a dining room.  Corner tables are also great for a dining room design.  They can be used to display decorative items as well as to provide a place for visitors to rest items such as cell phones, glasses, etc. while they dine.  Cupboards to hold dining tools are both decorative and practical furniture that can be included in this space.

 

You do not necessarily have to make a choice between eat-in kitchen and a dining room. If the space available and your budget allows, you can have both an area for just your family to eat in a rush in the morning before going out for the day as well as for a space to spend quality time over a meal with family and for formal gatherings with both family and friends.

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A Property Manager May Be What You Need

Property management is the supervision of residential or commercial real estate and involves the managing of property that is owned by someone else.

 

The property manager acts on behalf of the client to act as a care taker of the property while generating income. Companies who handle property management communicate with both the clients and tenants, saving time from collecting rent, handling maintenance and repairs and responding to complaints.

 

There are numerous reasons why an individual would need the assistance of a property manager; here are a few of those reasons.

 

1) If you currently own multiple properties, rental units or an apartment building, providing the same level of care towards each individually can be difficult. The more properties or apartments you own, the more you’re likely to benefit from a management company.

 

2) If you do not live near your property, whether you live in a different community or in another country, hiring a company to manage your property can assist with many issues that you will be unable to handle while being away.

 

3) If you have limited time on your hands between taking care of your family, having a social life, and having a full time job, managing a rental building added in the midst can create additional burdens that can be avoided.

 

4) If you have the time to manage your own property but do not have the skills required, or you are not interested in hands on management, you should consider hiring a property manager or management company.

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Defining a home with changing floor levels

The nature of a floor can influence the reflection of a home.  The design and material can dictate the feeling of the room.  A typical example of this is the Wide Pine Floor which offers a country look and feel.  Do you know that having different floor levels can make a significant change to the look of a room or a home?  Let’s look at areas with different floor levels in the home.

 

We use a local home which is actually for sale to demonstrate the use of different floor levels to separate the home.

 

Entry from one area to another, say from the kitchen to the living room, can be designed with two different levels which offers a different feel but with an almost seamless transition.  The step up or down from one area signals to the user that they are moving into a new space which offers a different purpose or function. It can be designed in such a way that one achieves the effect of a dining room overlooking the living room or kitchen, or vice versa.

 

A difference in the colour of the two floors define the rooms further e.g. light wood floor in the living room and dark wood floor in the dining room.  One can even go a step further in defining the room by appointing a different theme which will enhance the effects of the transition from one space to the next.

 

In a bedroom, there can be a change of floor levels which can divide the sleeping area from the work space.  Similarly, there can be a step leading into the bathroom.  This secludes the bathroom from the room and increases privacy to the place very often used to relax and luxuriate after a hard day of work.

 

A change in the floor level is a great way to separate spaces with the absence of walls, doors or other separators.  Note however, if the separation of the floor levels is not done with proper planning and materials, the right flow through the home can be hindered or even create problems or be harmful to us.

 

What techniques do you rely on to define areas in your home?