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5 Tips to Ensure That Your Homeowner’s Insurance Covers Renovations

Many people have no idea what happens to their homeowner’s insurance when they make home improvements to their homes.

Unless you’re making major or minor changes, it’s critical to consider how these changes will impact your insurance.

1. What home insurance covers.

A standard homeowner insurance policy protects your personal and domestic belongings from damage.

These are if they occur as a result of a series of unforeseeable events such as a fire, a windstorm, hail, or lightning.

Dwelling coverage is usually included in your policy to help with the cost of repairing or rebuilding your home if it is damaged or destroyed as a result of a covered cause of loss.

Many policies also cover structures on your property that aren’t attached to your homes, such as carports, sheds, and fences.

Furthermore, many policies include personal liability insurance as well as loss of use coverage.

Personal property coverage protects your personal belongings as well.

As a result, if one of your belongings is stolen or damaged as a result of a covered incident, your homeowners’ insurance policy may cover the costs of repairing or replacing it.

2. Impact of renovations on Insurance.

Adding a room or an addition to a house, for example, may necessitate a number of tasks.

This includes temporarily leaving the house, hiring laborers and building materials, and leaving some areas of the property open to the elements while the work is being done.

This will almost certainly alter the original value and sum insured for which you have the home insured.

There is more to consider than the possibility of damage during a renovation.

You must consider how improving your home or adding floor space may increase the value of your home.

This may be advantageous for resale, but you’ll need to increase your dwelling coverage to reflect the increased home’s value.

This will increase your homeowners’ insurance premium, but it will provide you with peace of mind knowing that your home is adequately protected, which is the whole point of homeowners insurance in the first place.

3. Contacting your insurance company.

Contact your insurance company if your renovation project will increase the cost of rebuilding your home after it has been damaged.

Minor renovations will almost certainly not raise the cost of rebuilding. However, it never hurts to check with your insurance company.

While you’re redeveloping your home, it’s a good idea to think about your homeowners’ insurance constraints and communicate with your insurance agent.

The last thing you want in the event of a disaster, such as a house fire, is to be underinsured.

Regardless of the scope of your residential construction project, make an effort to understand your insurance requirements and secure adequate coverage.

The last thing you want to discover during a construction project incident is that you don’t have a safety net in place.

4. Renovation coverage on home insurance.

After you notify your insurance company, they will assist you in double-checking that you are adequately covered throughout the remodeling process.

Your insurance needs will vary depending on the extent of the remodel and whether or not the house is occupied during the project.

Many insurance companies offer home under construction endorsement deals as an add-on to your home insurance policy.

This provides nonstandard coverage for renovation-related harm or accidents.

If you intend to live somewhere else while the house is being renovated, then this might be different.

Keep in mind that a standard homeowners insurance policy may not cover property damage or accidents that occur while the house is unoccupied.

Before you make a temporary arrangement, talk to your insurance agent about getting a vacant or unoccupied home insurance endorsement or policy.

5. Other forms of coverage you might need.

When planning a home improvement project, you should review your liability insurance as well as your habitation coverage.

This is because the number of people living in your primary residence may have increased.

Your construction company may delegate some of the work to subcontractors in some cases.

Inquire with your contracting company about the insurance coverage of any subcontractors.

If you’re adding new decor, devices, or other personal belongings to your newly remodeled space, you may need to increase your property insurance to protect these items.


If you want to remodel or expand your home, there are a few important factors to consider in your insurance contract before beginning renovation work.

Changes can increase the value of a home, which can have an impact on your home insurance, which is something to keep in mind.

Finnish Home Design Reviewed

Finland was ranked as the number one happiest country in the world in 2019. Their homes play a critical role in this.

With 7 months or more of winter each year, keeping the winter blues at bay is a surprise when you first consider it. However, when you break it down into its elements, you’ll find that Finns have adopted and adapted their lifestyles to prioritize their personal health and wellness above all else. One of the major sources of this happiness stems from their homes being almost sacred to them.

When the summer is on the horizon, the Finnish population flock to their summer houses in the countryside to escape the cold cities and seek the comfort of the silence, tranquillity and peace in nature.

Bringing this idyllic sense into their homes allows them to transfer that to their daily lives. Finnish homes are simple. Think of Scandinavian minimalism, and you’ve got Finland’s design and décor checked. Typical features of this design are clean, uncluttered surfaces, functional furniture, use of colour – not objects – to shape a mood, and a select few décor items around the house. is a great resource you can rely on when you are searching for home improvement tips for your Finnish home. If you’re looking for affordable home make-over tips and inspiration, this is the place to read up on it. Hobby Hall is a type of company that you will likely want to shop at for home improvement products. Customers have shared their opinions, ideas, and experiences on peer review platforms such as Suomiarvostelut, so you can make better-informed decisions when shopping with them.

However, the most important aspect of a Finnish house design is not its decorations or furnishings but its saunas. These can be built into the house as a feature room or as a standalone building next to the house. This is central to the lifestyle of Finns: relaxing in the sauna in the evenings with your family and friends.

Most homes in Finland are constructed from wood – with excellent levels of heat preservation. Wood is also a symbol of their simplicity in design, too.

An average Finnish home will feature very minimal artwork – but when they do it is usually bold. Their homes have a flowing, open-plan style from the kitchen to the lounge area. You’ll find most have a kitchen table or a dining room table. It is uncluttered and bare: commonly painted white with accompanying white chairs. The tablecloth will bring color to the scene.

The most important aspect of a Finn’s home life is their affinity for coffee. This will usually take pride of place in the kitchen, with a display case of coffee cups (highly valued in Finland as collectables) in a front room. Sofa cushions are traditionally brightly colored with animals and nature scenes. Homeowners popularly mix them up with bold colors for different moods and settings.

Most homes have a home office, that is spartan in its execution.

Designers will add a bright rug to the home to add more ambience. These also serve to keep the heat inside the house. Privacy is also a hallmark of Finnish home life, and you’ll see thick curtains in all the rooms. These also act as temperature control measures.

Best ways to buy furniture in Portugal!

If you have recently shifted to Portugal or if you are just trying to buy quality furniture as a local, you might be wondering how to do it? The thing is, furniture is not really cheap. It can definitely cost a lot to get different types of things, and that is why it is not a good idea to risk your money. Besides that, you have to check the quality, design, furnishing, durability, reliability, and many other things while buying furniture. So from where can you buy it? Let’s find out!

But before you go and choose any of the ways from below, I would definitely recommend you to check reviews of the service before proceeding. It can be very simple to check reviews through or other reviewing platforms, so you do not really have to worry about it.

Three best ways to buy furniture in Portugal!

So these are the three best ways to buy furniture in Portugal. Let’s get started and see what those ways are!

1.Online Shops!

This method is quite popular in the whole world, but it can also work quite well in Portugal too. The reason why this method is on top is that it offers ease and feasibility to the customers. All you have to do is visit the online store through the internet and pick whatever you want. You can even pay online and instruct where to deliver, and it will be available at your doorstep within a few days.

But if you want to ensure that you are getting the best possible quality, you will have to find stores like Kenay Home that can offer you complete details with guidance. Or else your experience can seriously be ruined.

2.Social Marketplaces

No, this is not the same as online shops because here, the scenario is different. In social marketplaces, it is most likely that an individual will sell you a product, unlike the actual stores. One of the best things about social marketplaces is that you can find used items too. Used furniture can save up a lot of money for you, but do note that it can fire back too.

That is why it is better to do a proper inspection and only then accept the given deal. Otherwise, you have other options to go with.

3.The traditional way

Is there anyone who is not familiar with this way? Probably not! The traditional way might not be the easiest or most convenient, but it can be perfect for people who like to consider many things while buying. You can check the furniture yourself, use it, evaluate its quality, determine its durability, and do much more before buying. And of course, this is not possible in online shops or most social marketplaces.

The verdict

All of the methods have their own perks, but few disadvantages too. So make sure to consider all the things before buying the furniture. It will make it possible for you to get the best things for your needs.

Great renovation ideas for you summer home in Sweden

A summerhouse is a luxury that is enjoyed by many people in Sweden. With longer winters and shorter summers, there are less sunshine hours than other warmer European countries, which means that Swedes will do all they can to enjoy the summer sunshine while they can. 

Having a summer home is not something that everyone can afford, but for those who can, it can be a great investment and an opportunity to create a tranquil space away from the hustle and bustle of everyday life. Buying a more run-down home that you can renovate yourself is a great way to channel your energy into something new, and with companies such as Byggmaxx, who have received amazing reviews on the review site, doing home renovations is a breeze.

Home renovations on your summer home would need to take place in the warmer summer months, without the chance of winter rain possibly damaging your home or causing delays in your plans. If you are considering adding a deck to a lakeside home, you will find that the warmer weather will help in curing the wood and resin or varnish quicker.

Here are some ways in which you can renovate your summer home to make it truly unique:

1. Build a fire pit

There is nothing more relaxing than sipping a glass of wine in front of a roaring fire on a warm summer’s night. The perfect way to end the day, a fire pit can also be used to barbecue some steak for your dinner, or even for your children to roast marshmallows.

2. Upgrade the windows

By changing something as simple as the windows of your home, you are able to create a completely new vibe or look. Replacing old rotten windows with new fresh glass and shutters can give your home a cottage feels, and make you feel like a princess in the forest.

3. Weekend bathroom renovations

A bathroom can be more than just a place to bathe or shower. It can be a place of calm and serenity after a long day, or an escape from your children while you enjoy a candlelit bath with a glass of wine in one hand and a good book in the other. You can decorate your bathroom to suit your style.

4. Add a security system

A summer home is not a permanent home, and will stand empty for long periods, especially during the winter months. Installing a security system will not only protect your home and assets but can also serve as a deterrent to thieves who might prowl around looking for items to grab. A security system can be as simple or as technical as you like, as cost is one of the main factors on which you will be basing your decision.

A summer home is more than just a place to get away to. It can be a reflection of who you are by using design elements, color, and accessories to create a truly unique home away from home.

10 Characteristics of a French House

Architecture in France is one of a kind. Apart from the art museums and galleries millions of people visit each year,  one of the most amazing sceneries is the outlook of French homes.

Many people relocating to France choose to buy old homes or even build their own houses inspired by the traditional home design.

Chances are you might also be fascinated with these homes or you want to build your own. Of course, building a house in France is not cheap.

For those who want to take up the challenge and build a French-inspired home,  you will choose to cut the costs by purchasing building materials in bulk.

Wholesale suppliers are plentiful in France however to be on the safe side always ensure you read their reviews. A good review website to find search reviews is Amon Avis.

It may interest you to perhaps have a look at some reviews about Tom top, an online wholesaler of a variety of products. If you’re happy with what you see, you can buy from them if not scroll on to find other similar companies.

What matters is that you’re getting the right information that will help you save money when building your home.

These are some of the things that make a French house so unique and distinct from others;


1.  Symmetrical 

Many French houses take symmetrical shapes with hipped roofing with all corners sharply pointing to the ground.

The roofs are normally very tall and sloppy. The most common type of roof material is Clay tiles and they may vary in colour mostly being beige or brown.

The symmetrical shape is not just with French houses but also museums and ancient buildings.

2.  Bricks or stone facades

The exterior wall is made from either bricks or natural occurring stones.

The brick colours will vary from red, beige, brown or with more modern houses taking brighter colours.

3.  Tall and equally divided windows 

One very unique feature about French for houses is that they have tall rectangular windows.

The rectangular wall is divided vertically into two, and you may or may not find houses with horizontal divisions.


4.  Arched doorways

The doors come in arched frame designs. The doors are made from wood.

In some areas, you will find arched doors with wooden shutters, glass, or completely wooden doors.

The colours vary depending on personal taste but their asymmetrical shapes remain within the range of warm colours.

5.  Natural floors 

The most prevalent type of floors used in a typical French house is natural occurring hardwood floors or stone floors.

The most common type of stone flooring is the limestone floor.

6.  Country patterns 

One other thing that makes French homes unique is the patterns of decoration used in their homes.

The patterns will range from the paintings on the wall or the furniture fabrics and beddings.

In the article a guide to French patterns, Matilde outlines that these patterns may take the shape of stripes, checks, damasks, Toile de Jouy, writings or floral.

This makes it one of the most outstanding features of a typical French province home.

The walls are plastered before the patterns are made.

7.  Stone and tile hearth fireplace

Winter in France get very cold and the traditional way of warming up our house is lighting the fireplace.

The fireplace is made of stones with tiles surrounding the fireplace.

The tiles flooring around the fireplace normally has beautiful patterns.

8.  Rustic wooden kitchen cabinets 

In a provisional living expect to find rustic wooden kitchen cabinets.

It is also a very common theme to have glass cabinets to display utensils from the cabinet.

Hanging rustic light fixtures also help to accentuate the provisional feel of a French home.

Using antiques in the kitchen like appliances or utensils is also a unique feature.

9.  Matching dining sets 

The French people enjoy sharing meals as a family or with friends.

A typical dining set will have either our circular or rectangular dining table with matching chairs.

The furniture is made from wood to give it a more rustic look that matches the provisional theme.

The dining ware like plates cups and bowls come in some beautiful patterns to flow with the general theme of a French country home.

10.  Exposed wood beams

Finally, a thematic feature in French homes is the exposed wood beams normally found in the kitchen or dining area or the living room.

Denmark’s best antivirus software programs

Antivirus programs are necessary and important as they protect you from any viruses or malware which could damage your data and your computer.

When looking at antivirus software programs, we see that there are many available which all claim to have the best protection for your data and your computer system. While there are free antivirus programs, it is always better to pay for the premium version of the software, as it has many advanced features and offers more in terms of technical support. When looking for a good antivirus software provider, be sure to visit Danskeanmeldelser, a Danish review company that allows customers to give feedback on products and services.

Antivirus programs work by scanning your device or computer for any viruses or threats by running virus codes. It can detect the virus and remove it before it can infiltrate your system and cause any damage or loss of data, It is useful in protecting your data from viruses, malware, spyware, rootkits, hackers, and phishing and spam attacks, and can fend off all malicious intruding viruses. To ensure that your software is able to detect even the latest viruses, keep your antivirus systems updated. If you are interested in Internet security and how to protect your data, you might like McAfee. Read reviews, tips, compliments, and complaints about this company from real-world customers that have actually bought those products so that you can make better-informed decisions for yourself.

A good antivirus will protect you from viruses before they can attack your data and damage your files and computer. They will block all spam and advertisements which could be operating as phishing attacks to access your personal data.

It ensures a defense against hackers and data thieves that try to access your personal online information such as banking details and identity information. A good antivirus program should have a strong firewall to protect any incoming and outgoing data from spyware, malware and phishing attacks.

By limiting website access, an antivirus can enhance your web protection by blocking access to sites that are not secure and do not have security certificates.

When choosing antivirus software, it is important to note that the free versions might only have some of the functions listed above, which is not sufficient in ensuring the security of your data, files and computer, and may let viruses in that can cause complete system failure and loss of performance of tasks. Always opt for a premium paid software program if possible. Make sure that any antivirus software that you might be interested in can perform ALL of these functions. By comparing programs and costs, you will find the right antivirus software program to meet all your data security needs.

Technical support and customer services are also very important aspects to consider when choosing an antivirus software program, especially if you are not technologically savvy and need technical assistance to install, use and update your antivirus software. Having good, helpful customer service representatives will ensure that your issues are dealt with in a calm, quick manner.

Excellence Choice to Repair All Pipes Issues

Clogged pipes become one of the common problems that you can find in your house. When it is still new and you have just moved to your house building, the clogged pipes will not occur. Things still run well. Water and sewer work fluently. However, things will get worse as you stay in the house. It may become serious when you are not careful in washing your dishes so some leftovers can be brought by the water and it will create some blockages on the pipes. This causes the clogged pipes, and this will become serious problems. When it is only in your sink, it will not be a big problem. Unfortunately, this may also occur on your toilet and other areas that involve pipes. When this happens, surely you want to get the best solution.

24-Hours of Services

In case you face the issues of clogged pipes, you do not need to worry. If you do not have time to deal with it or you do not know how to solve the problems, you can easily find pipe cleaning services. There are many service providers that you can find and help you to solve the issues. In case you have no references, you can choose Rohr Klinik. This is an excellent choice of pipe cleaning services that will help you clear the issues so you can live comfortably. The team will work well in solving all problems related to your pipes. In case you also find the problems in the middle of midnight, you do not need to worry about it. Rohr Klinik provides 24-hour services. You can make an emergency call, and later the team will come to your house suddenly. They will work fast so you can leave the rest to them, and later you can continue your sleep. Anytime you need the services, they are always ready to help and there is no holiday for them in order to provide people with excellent services.

Environmental-Friendly Solution

When you choose some pipe cleaning services, maybe you have a concern regarding the use of chemical substances. It is true that the chemicals can help. Even, you can buy them in stores so later you can solve the problems by yourself. However, these chemicals are not fully safe, and it can bring harm when it is not used carefully. When you have concerns about these issues, you can feel safe and do not need to worry about anything. The Rohr Klinik use technologies and methods to solve the clogged pipes and other issues regarding the pipes. Even so, they never involve dangerous chemicals in all processes. The team only works by using an environmental-friendly solution. By having this kind of service, of course, you will not have any problems anymore. There will not be dangerous chemicals and other substances that can harm you, your family, and the environment.

Options of Service Packages

What is more interesting about the services from Rohr Klinik is its service packages. You will not get random bills without clear calculation. From the packages, you can already get the estimation of the bill that you have to pay once the problem is solved. Each package has a different type of service. This also involves different conditions. Of course, you will have to pay higher as the difficulties get harder. For example, package 1 is dedicated to a simple problem. That is why the team will not utilize the special machines to solve the problems since things are still covered by using the common tools. Then, there is package 3 that is dedicated to works that require the use of machines, and it is dedicated to problems that occur in the pipe size of 150mm and smaller. By having specific options and a clear description, of course, it is getting easier to get suitable services based on the problems that you have in your house. Regarding the service fee, prices vary from 40 to 240$ according to this german site.

Experiences Staffs

The great services of Rohr Klinik are supported by many aspects. Tools and machines surely play important roles. However, the main keys are the staffs that already have great experience in dealing with various pipes and sewer problems. In solving the problems, they will not directly run the process. Before they solve it, they will try to analyze the problems. Inspections are necessary to find the causes of problems and locate the fixed locations. By doing this, the problems can be solved well, and it will also guarantee that the same problems will have a lower possibility to occur.

A Global Guide To Property Ownership Rules And Restrictions

Thinking about acquiring a second home abroad? Worried about the stories you’ve heard? The ones where, having written the last check to the real estate agent, local officials knock on your new door to inform you that you don’t actually own your bijou residence on the beachyou were misinformed and you need to move out right now. Don’t panichelp is at hand.

Buying a second home in a foreign country can be difficult, but here at International Living we’ve done the groundwork for you already, and have sifted out the pitfalls and pluses of a variety of places where you might like to have a holiday or retirement home.

Read on for our country-by-country guide to property ownership restrictions, and find out what holds for whom, and where And, before you seriously consider buying property anywhere overseas, be sure to seek advice from a reputable in-country attorney, who can advise you on your purchasing or leasing options.


This market is open to all; there are no restrictions on foreign ownership of property in Argentina. Foreigners have the same rights in this respect as nationals, except for Argentine land near a foreign border. In this scenario, some additional paperwork is required, which may take a little longer.


Australian citizens and permanent residents can acquire any type of property. Foreigners not living in Australia, and corporations, can acquire up to 50% of residential developments, and are permitted to buy new property or land for building as long as construction starts within 12 months of purchase. Older properties can be purchased on condition that at least an extra 50% of the purchase price is spent on renovation, further construction or other improvements on the property. In all cases, however, foreign nationals need to obtain approval from the Foreign Investment Review Board. This application should take roughly 40 days.


Buying property in the Bahamas is relatively easy, but you should be aware of certain requirements. Non-Bahamians must register any purchase with the Foreign Investments Board, and special permits are required, if the property is land of over 5 acres in size, if the property is to be used for rentalseven partiallyor if it is to be developed commercially. Foreigners should also register any property investment with the Exchange Control at the Central Bank of the Bahamas if they wish to sell and take the proceeds out of the country in the original currency of the transaction.


Government approval from the Ministry of Natural Resources is needed for any property purchase by non-locals, but there are few restrictions. Some coastal areas and cayes are restricted and require municipal approval for freehold sale. As this real estate market is totally unregulated, make sure you get as much help and advice as possible from specialists with experience of property deals in this country.


Non-Brazilians can buy almost any property in Brazil, enjoying similar rights to nationals of this country. There are only restrictions for foreign ownership of property situated in or near areas of national security, near the coast, and near borders with other countries.


There are no restrictions for foreigners wishing to buy buildings in Bulgaria, but land is restricted to Bulgarian nationals only. This can be legally circumvented by setting up a Bulgarian company and buying the land through the company. When Bulgaria joins the E.U. (it’s hoping to join in 2007), this restriction is expected to be lifted.


There are few restrictions on foreign ownership of property in Canada, apart from land belonging to the British crown. Some of this land may come up for sale, but will not be freehold. The restrictions tend to be at provincial or territorial level; on Prince Edward Island, for instance, non-residents need permission to buy more than 5 acres of property, and, in Saskatchewan, the acquisition of property of over 10 acres is not permitted. Nova Scotia, Newfoundland, and New Brunswick, the other east coast provinces, as well as the provinces of Quebec, Ontario, and British Columbia do not have restrictions on foreign ownership.


Non-Croatians can purchase real estate in this country if they have approval from the Ministry of Foreign Affairs. The approval is issued if Croatian nationals can purchase real estate in the country of the purchaser. This approval can take up to 12 months, but can be reduced if the property is bought via a domestic company, which can be entirely owned and controlled by a foreigner.

Czech Republic

Real estate may only be acquired by E.U. citizens with a Czech spouse or those who are permanent residents in the Czech Republic. An officially registered legal entity can also buy real estate. These restrictions are expected to be lifted in 2009, when the Republic’s first five years’ membership of the E.U. is up.


Foreigners wishing to purchase real estate in Ecuador need permission (usually granted) to acquire land within 30 miles of the coast or a border. Certain land considered an area of national security by the government cannot be bought.


Surprisingly for one of the most bureaucratic countries in Europe, there are no restrictions on who can acquire real estate in France, and you will be treated the same as French citizens when buying property.


There are some restrictions on owning real estate in Honduras. As an individual foreigner, you are allowed to buy property not exceeding three quarters of an acre. Coastal land, and land within 25 miles of international borders, is restricted, but a purchase may be permitted if you obtain approval from the Tourism Institute and start construction within 36 months.


As in France, there are no restrictions on who can buy property in Italy.


Technically, as a foreigner, you are not allowed to buy real estate within 62 miles of an international border or 31 miles of the coast, but these restrictions can be sidestepped legally, either by buying via a Mexican land trust (fideicomiso) or via a Mexican corporation. Another issue to be aware of is that ejido land (land granted by the government to Mexico’s indigenous people) cannot be owned by foreigners, and therefore any transaction involving this is fraught with risk and best avoided.

New Zealand

There are a few restrictions for foreigners wishing to buy property in New Zealand, but they are not too limiting. These restrictions cover non-New Zealanders wanting to acquire more than 12 acres, land of more than 1 acre adjoining or containing “sensitive” land (including reserves, specified islands and historic or heritage land and lakes), and land of over half an acre on or adjoining the oceanfront. In these situations, the buyer must obtain approval from the Overseas Investment Commission, and, for applications concerning “sensitive land,” from a Minister. The paperwork process is swift and can usually be completed within one month.


You have the same rights as Nicaraguans regarding property ownership, the only areas to be wary of being in the autonomous regions, Regiones Autonomistas, where the government needs to consult the indigenous people.


There are few limitations on what non-Panamanians can buy in terms of real estate. Property within six miles of international borders is out of bounds, and there are restrictions on some island and waterfront property unless it is situated in one of the Tourism Zones. Beachfront properties must provide a right of way. Building over the water also requires a permit with a special concession from the maritime authorities and the Ministry of Finance, with the exception of Isla Contadora in the Pearl Islands.


Foreigners, and companies where foreigners have controlling interest, are free to buy urban plots of up to 1 acre, or rural land of 2.5 acres, but agreement must be obtained from the Polish Ministry of the Interior. This can be waived, however, if you have a permanent resident’s permit and have been living in Poland for five years, or if you have a Polish spouse and have been living in Poland for two years. Permission is generally easily granted.


The acquisition of apartments and buildings is unrestricted for foreigners, but land is not allowed to pass to non-Romanians unless it is via a Romanian company (even 100% foreign-controlled). Some land, such as forest land, reserves and coastline, cannot be bought by anyone, regardless of nationality.


As in France and Italy, there are no restrictions on property ownership for foreigners, with the exception of military land and land near international borders.

Sri Lanka

Foreigners are permitted to own land, but there is now a 100% transfer tax for foreigners in Sri Lanka, thus effectively doubling the price of the property. This may be circumvented by arranging very long term leases, or, in condominiums, by buying above a certain story. A recent law has also banned construction within 330 feet of the shore.


Property ownership for foreigners in Thailand is carefully controlled. Without special permission from the Minister of the Interior, foreigners are not allowed to own the land on which any piece of property is found, or to own a condo in a building if 49% of the other condos are foreign-owned. This problem can be resolved in several ways, some more realistic than others.
For those with 40 million baht ($1,100,000) to spare, no problem, as this sum will allow you to acquire just over a third of an acre.

For the less well-heeled, one of the most common solutions is setting up a Thai-registered limited liability company and buying real estate through this company, but there must be at least seven shareholders in the company, and the foreign shareholder cannot hold a stake of more than 49%. The Ministry of the Interior, while ostensibly not wishing to stymie foreign investment, is cracking down on the use of Thai-owned companies which appear to hold land for foreigners, so more foreigners are looking at alternatives to this method. Purchase of land through a Thai spouse is one of these alternativesif the spouse is prepared to sign a declaration to say that the property was purchased with funds that they had before the marriage.

Otherwise, an increasing number of foreigners are considering long-term leasing: A Thai nominee purchases the property with your funds and you enter into a long-term lease of up to 30 years, which can be renewed. The initial period of lease and subsequent extensions should be clearly stated in the contract, along with the declaration that these have been paid for in advance. An option can be included in the contract to allow you to purchase the land outright if the law changes to allow foreign ownership.

A right of usufruct provides temporary ownership rights for a period of up to 30 years, which may be renewed, but although these rights can be sold or transferred, they cannot be inherited as they expire upon the death of the holder.

Becoming a permanent resident is one other possibility, especially if you are thinking about retiring in this very affordable country. Check the website for details.

Further Resources

How to Be a Global Real Estate Investor

Get the inside, upfront track on the most lucrative international real estate investments in the world today. In this 400-page kit, you’ll learn how to invest as little as $30,000$15,000even $10,000, or lessto multiply your money twothreeeven four-fold, or more. Sometimes in a matter of months! Go to for more details.

Flooring Options According to Your Needs

Home Improvement is a time consuming task and it no longer includes just touching up the paint or buying new furniture. Home improvement now encompasses getting new kitchen cabinets along with fresh and durable counter tops, or getting a sturdy patio and vinyl edging along with designer windows. It needs to be done after considering all the important factors. The most astute aspect remains to be the requirements of the family living in the house. Home improvement considers the interior as well as the exterior of the place.

Flooring is one of the most essential attribute of the house as it is the foundation. Every piece of furniture one owns rests on the floor; hence it is crucial that the flooring be suitable to every possible need. Flooring has many options in terms of materials these days. Tile flooring includes a piece of ceramic or stone that is affixed to the floor with the help of grout. Tiling offers a glazed and strong base. It is very practical and easy on maintenance. Such Floor can be cleaned with water and any surfactant and remains fairly resistant to stains. Complete customization in terms of stone or ceramic and its shape/color can be achieved to a given degree. Tile Flooring in Chandler is hence a raging trend.

Few people wish to have a home closer to the nature and hence try to incorporate as many natural elements in their house as possible. Getting wood flooring is the best option in such cases as it gives the house a completely relaxed and cozy look. Plenty of variety is available in terms of color, texture and quality. Wood flooring in Gilbert is very popular. Here strips of natural wood are cut into narrow planks and whittled down to a given width and further treated. These planks are then fixed to the floor and then the flooring is complete. It is best if wooden flooring is done by a professional to avoid problems. Wood flooring give a warm and gentle feel to the house. They can be cleaned easily too. Only care to be taken in this case is to look out for termites as they can spoil the flooring.

Some people don’t prefer a toughened surface beneath their feet. Carpets are the perfect answer for such situation. A carpet provides a light and soft ambiance to the house. Carpet comes in different colors and textures and it can be mixed and matched with any given room. Carpets in Chandler are thus most preferred. These are the best option if the house is a host to kids and old people as it leaves no space for danger. Besides any stain can be washed off easily from the carpet and it only needs to be vacuumed.

It is better to get the flooring done from a professional team. Before finalizing a contract, make sure every detail is covered and your interests are protected. A good team will execute the visionary flooring within record time without going off the budget.

Container Gardening Ideas For Pots And Planting Herbs

For container gardening ideas, scan the internet, the library or a bookstore. The challenge is to come up with a lovely container garden plan. There are a widespread collection of containers available for your container garden. These range in size from small-scale house-plant pots to sizeable boxes and planters. Equally varied are the materials from which they are made. These include wood, glass, clay, aluminum, bamboo, straw, plastic, fiberglass, terra cotta, tin, cast iron, zinc, copper, and brass, each with select advantages and disadvantages. What you choose will depend on availability, price, background, and attraction not to mention the characteristics of the gardening pots.

Here are some container gardening ideas. In addition to run-of-the-mill circular pots and tubs, there are modern and ultra-modern forms such as square, rectangular, triangular, hexagonal, and octagonal. Also eligible are old iron kitchen pots, kettles, pails, jugs, casks, vases, crocks, jam tubs, barrels and nail kegs, Japanese fish tubs, aged sinks, bathtubs, bamboo soy tubs. There are novelty containers such as driftwood, wheelbarrows, donkey carts, spinning wheels and boxes attached to a roadside mail container. There are also bird cages, decorative well heads, animal figures, and Strawberry jars. Woven baskets may be used to conceal unattractive containers. Even tar paper pots, handled by garden centers and florists are worthy if painted or veiled to upgrade their exterior. Any of these can be used in your container gardening ideas.

Where to find your container supplies? Begin with what you possess. If you explore cellars or basements, attics, garages, and sheds, you will doubtless encounter objects of interest. Old-fashioned pots and kettles, usually sold in antique shops at rural auctions or observed at old New England inns, have much attraction.

Different container garden ideas to ponder are old cookie and bean jars, pickle and other types of crocks, wash tubs, coal pails, jardinires, and ceramic bowls. For drainage, scatter a thick layer of substantial pebbles or shattered pieces of pots or bricks at the bottom and then moisten plants with care. In substantial containers, drainage material should be many inches thick. Where rainfall is hefty, be certain to keep garden containers without drainage outlets on porches, below awnings or the under sizable eaves of house. With pails and old galvanized wash tubs, holes can be easily punctured at the bottom.

Plants in containers without drainage openings stay wet longer. Some of thesecrocks, jardinires and cookie jarsare massive enough to be secure against the elements in exterior container gardening.

What constitutes the perfect container for your container garden ideas? A container needs to be attractive, even if it is not an object of art. It should be sturdy and lasting and able to resist all kinds of weather. This is especially true of the substantial sizes which ofttimes continue outdoors all year around. In the North, alternate icy and thawing is a predicament in winter (and could generate cracking); in blazing climates, intensive heat, humidity, and moisture are to be considered (and could cause fading). And in semiarid areas, there is the impact of searing sun to keep your attention, another source of fading. All these things need be kept in mind when coming up with your container gardening design.

The perfect container must be vast enough to hold a sizeable quantity of soil. It should have super drainage facilities through holes or various openings at the bottom or sides. It must not rust, at least in a single season, and it should have a wide enough base to perch firmly wherever placed. Further, it needs to be heavy enough to withstand average winds. In severe storms, like hurricanes and tornadoes, movable containers can be shifted to interim safety. All of these things should be factored in when you are coming up with your container gardening ideas.

Resistance to rot is another requisite. Wooden containersexcept those made of rot-resistant Redwood, Western Cedar, and Southern Red Cypresswill require treatment with a wood preservative. Except for lifelong containers, the capability to move your container garden is another quality, and sometimes a safety precaution, of portable container gardening. Sizable boxes and planters can be equipped with wheels, and garden centers have redwood tubs that perch on platforms with wheels. An opening in the platform corresponds to the hole in the tub. Sizeable containers without wheels can be pushed on iron or wooden rollers by two or more people; however, if you live in an area inclined to severe storms it is best to keep your containers small-scaled.

Smaller containers are ideal for cultivating herb container gardens. If you plan to plant an herb container garden be imaginative. Here are some container garden ideas for herbs that go great together.
* For an Italian selection try Sweet Basil, Italian Parsley, Oregano, Marjoram and Thyme.
* For a pleasing scented container use Lavender, Rose Scented Geranium, Lemon Balm, Lemon Thyme, and Pineapple Sage.
* For utterly extravagant salads try Garlic Chives, Rocket, Salad Burnet, Parsley, Celery.
* And to say We love French Cooking! use Tarragon, Chervil, Parsley, Chives and Sage.
Any of these will liven up your meal and please your family.

So these are just a few container gardening ideas. Get out a pad of paper and make up a container garden plot that will add to the view and conceivably even the palate.

Happy Container Gardening!

Copyright 2006 Mary Hanna All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Mary Hanna is an aspiring herbalist who lives in Central Florida. This allows her to grow gardens inside and outside year round. She has published other articles on Cruising, Gardening and Cooking. Visit her websites at and To read more of her articles go to