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  22. <title>What to Look For In an Automotive Car Repair Shop</title>
  23. <link>https://fcacnms.info/what-to-look-for-in-an-automotive-car-repair-shop/</link>
  24. <comments>https://fcacnms.info/what-to-look-for-in-an-automotive-car-repair-shop/#comments</comments>
  25. <pubDate>Tue, 28 Mar 2023 12:14:13 +0000</pubDate>
  26. <dc:creator>admin</dc:creator>
  27. <category><![CDATA[Uncategorized]]></category>
  28. <category><![CDATA[automotive]]></category>
  29.  
  30. <guid isPermaLink="false">http://fcacnms.info/?p=90</guid>
  31. <description><![CDATA[Look For The Advanced Automotive Shop: The car&#8217;s population is increasing day by day in the whole world and car is one common thing that you will find in every home both in the urban as well as in the village areas. So, automotive shop car repairs are the one important aspect that every car [...]]]></description>
  32. <content:encoded><![CDATA[<p> Look For The Advanced Automotive Shop:<br />
  33. The car&#8217;s population is increasing day by day in the whole world and car is one common thing that you will find in every home both in the urban as well as in the village areas. So, automotive shop car repairs are the one important aspect that every car owner should know about if you want to keep your car fit and healthy. Now, as there are many automotive shops available in Canada, that it is not easy to choose who is the best service provider regarding your car service. Moreover, as technology advanced, there came a big change in the car repairs shops as well. With time, they have become more advanced and with the help of computers your car&#8217;s service can be handled perfectly.What You Get If You Select The Best:<br />
  34. If you are having a car, then you must have an automotive shop car repairs ready beforehand for the maintenance of your car. Don&#8217;t just let it go easy that you will search it when you will require it.<br />
  35. The internet is the one source where you can have numbers of automotive destinations for your car service. Moreover, all pretend themselves to be the best and genuine. But it is all up to you how you go by. On the other hand, if you have a proper automotive shop car repairs, then just stick with it. Otherwise, be attentive while choosing other shops. The reviews and the customer&#8217;s views on the internet can also give you an idea where you should go for your car servicing. So, choose the one that is quite nearby because they could provide you the immediate services at the time of emergency as well.<br />
  36. Also, make sure and see how capable they are, are they traditional or old-dated? Moreover, also try to see if they are having modern equipment to provide emphatic services because then everything can be done way faster than the traditional ones.<br />
  37. Talk to your friends and relatives to know the best automotive shop car repairs, in your area. They can guide you even better than the internet itself because they have practical experience of hiring their car services.<br />
  38. Moreover, with the automotive shop car repairs, you can expect the best for you with a transparent approach. The best ones understand your time&#8217;s value and they deliver you a formidable experience in the form of car service. They can take your car from your home and can deliver back at your destination after service. Here, you can expect the best for your car and you are treated very warmly with tea, coffee, and food service in the AC restroom.<br />
  39. The best automotive shop car repairs though could be a bit expensive but the quality of service, cleanliness, comfortable atmosphere are certain things that you won&#8217;t be able to have at the ordinary car repairs shop. So, it is a wise decision if you go with the best for your car service and they look after your car with an honest approach and keep you up-to-date regarding each and everything concerning your vehicle. They provide a faithful service experience.</p>
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  44. <item>
  45. <title>The Ideal Kitchen for Happy Cooking</title>
  46. <link>https://fcacnms.info/the-ideal-kitchen-for-happy-cooking/</link>
  47. <comments>https://fcacnms.info/the-ideal-kitchen-for-happy-cooking/#comments</comments>
  48. <pubDate>Tue, 28 Mar 2023 09:48:40 +0000</pubDate>
  49. <dc:creator>admin</dc:creator>
  50. <category><![CDATA[Uncategorized]]></category>
  51. <category><![CDATA[Kitchen Improvements]]></category>
  52.  
  53. <guid isPermaLink="false">http://fcacnms.info/?p=88</guid>
  54. <description><![CDATA[The ideal kitchen for happy cookingWhatever you attempt to do, proper tools play a crucial role. A well designed kitchen can transform cooking from duty into pleasure. For years I had to make do with a small cubicle. Then we built a house and I was able to design my own kitchen. Now I love [...]]]></description>
  55. <content:encoded><![CDATA[<p> The ideal kitchen for happy cookingWhatever you attempt to do, proper tools play a crucial role. A well designed kitchen can transform cooking from duty into pleasure. For years I had to make do with a small cubicle. Then we built a house and I was able to design my own kitchen. Now I love to cook for my family and friends.Knowing basic principles about kitchen design can be useful at any time. Sometimes changing the place of appliances can make a big difference. Whether renovating a kitchen or planning a new one: Do not to rely on architects or professional kitchen planners. They cannot know the habits and requirements of your family as you do. Only you can understand what you really need and what fits you and your budget.A functional kitchen improves your lifeWhen we decided to build a house I purchased a lot of books about kitchen design. It is advisable to rely on literature as most of the websites about kitchen design are heavily influenced by advertisement. I cannot recommend any of them.When planning your kitchen first ask yourself what you really need. Do you like to bake and roast or do you prefer fried and boiled food? How much fridge space do you require? How many sinks do you need? Is there 1 cook in your kitchen or do you want enough space for 2 or more cooks? Do you want to have breakfast and simple meals in your kitchen or do you want to use it for cooking only?The washing machine in the kitchen?One of the most important questions is: Do you want to place your washing machine in the kitchen? If yes, you need some more space, not only for the machine but also for related appliances like dryer, iron, ironing board and storage space for dirty laundry.Traffic report:Before going into planning details, analyze the traffic your kitchen will have to support. People will go into your kitchen and move from the fridge to the sink, the cabinets and the cooking range. Do children need easy access to drinks and snacks? Will there be traffic through your kitchen to other destinations? Is there a back door, a pantry or a basement door?Mark the main traffic routes on a plan and start from there. If you have a small kitchen with a lot of doors, it might be helpful to consider closing one of them to reduce traffic and gain more space. It is also important that the kitchen has an easy connection to the dining and living space. Most of our free time is spent in these areas and a good design can improve your family life a lot.The work triangle:The work triangle used to be the base of kitchen planning. This triangle is formed by the refrigerator, the cooking range and the sink. According to conventional rules, the triangle is the shortest distance between the fronts of each appliance. The triangle should not be longer than 8 meters (26 feet). A single leg should be at least 1.23 meters (4 feet) and not more than 2.74 meters (9 feet). The cook should be able to walk without hindrance from appliance to appliance. I followed this rule in my kitchen and I am really happy with it. Friends of ours have built a huge house with an equally huge kitchen. They did not deem it necessary to consider something as prosaic as the work triangle. The result is a beautiful kitchen where you have to walk seven meters from the fridge to the sink &#8211; cooking in this kitchen requires a lot of exercise.Although the work triangle has been a useful guideline for generations, nowadays it tends to be too simplified. Today we use more than 3 appliances in the kitchen; the microwave and dishwasher have to fit into the concept as well as the blender and other gadgets. Still &#8211; the triangle remains a good starting point.Choosing the right equipment:After having placed the triangle on the layout of your kitchen, decide how to place the other appliances. The dishwasher should always be situated directly next to the sink. There are plenty of options for cooking ranges, wall mounted ovens and integrated cook tops. The main question is: Do you want to cook with gas or electricity? Once you have chosen, get information about available appliances. The vent hood should always be located on an outside wall so the fumes are blown directly outside. If the way is too long or twisted, a hood will never work properly.Having enough fridge space is essential. As a rule of thumb you need half a cubic meter (500 liters) for the first two family members and another 0.04 cubic meters (40 liters) for every additional family member.Kitchen cabinets: The cabinets influence the look of your kitchen. What you choose depends on your budget and your taste. Keep in mind that cabinet surfaces should be easy to clean and resistant to water. If you choose wood for the customized cabinet doors, be careful to purchase seasoned wood. If wood is too fresh it will change shape while drying. Avoid open shelving as much as possible: Dust will settle everywhere.Counter tops:You can never have too much working surface in your kitchen. There are many options for counter tops, from polished cement to marble, depending largely on your budget. Although marble is beautiful, I would not use it for counter tops in the kitchen. Marble stains easily, can crack when exposed to heat and is difficult to clean. The height of the counter top should be chosen according to your body height. The standard is 72 centimeters. For me this is much too low. My counter tops are 92 centimeters high as I like cutting vegetables and cooking while standing.Kitchen sink:The choice is endless and depends on your taste and budget. I believe in big size sinks as they make life easy. I have 2 jumbo sized stainless steel sinks with anti-scratch surface and I am really happy with them. The anti-scratch surface is a lot more resistant and a lot easier to clean than the common smooth stainless steel surface.Kitchen Island:If you have a big kitchen, you might want to fit it with a kitchen island. An island can be everything from a simple dining table to an extra cook station fitted with a sink and a hood. Remember the following guidelines: The work aisle between an island and the opposing counter should be at least 1.06 meters (42 inches) wide. If there are 2 cooks, the distance should be at least 1.22 meters (48 inches). If you want to use your island for eating meals as well, plan a seating area which has 61 centimeters (24 inches) for each person.If your present kitchen leaves much to be desired, don&#8217;t despair: Great food can be prepared in the humblest of conditions. You are the cook; you infuse your dishes with your energy, your spirit and your personality. Whatever the surroundings, if you cook with love, it makes a great difference. </p>
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  61. <title>Stated Income Commercial Loans Are Still Available</title>
  62. <link>https://fcacnms.info/stated-income-commercial-loans-are-still-available/</link>
  63. <comments>https://fcacnms.info/stated-income-commercial-loans-are-still-available/#comments</comments>
  64. <pubDate>Tue, 28 Mar 2023 05:57:05 +0000</pubDate>
  65. <dc:creator>admin</dc:creator>
  66. <category><![CDATA[Uncategorized]]></category>
  67. <category><![CDATA[Commercial Loans]]></category>
  68.  
  69. <guid isPermaLink="false">http://fcacnms.info/?p=86</guid>
  70. <description><![CDATA[With the recent tightening of the real estate credit markets, many lenders who used to offer stated income commercial loans, have stopped offering them. Why? They were too risky in today&#8217;s declining market, as many real estate markets across the USA are seeing declining values. That is the bad news. The good news is that [...]]]></description>
  71. <content:encoded><![CDATA[<p> With the recent tightening of the real estate credit markets, many lenders who used to offer stated income commercial loans, have stopped offering them. Why? They were too risky in today&#8217;s declining market, as many real estate markets across the USA are seeing declining values. That is the bad news. The good news is that there are still commercial lenders who will fund a stated income commercial loan, provided that the borrower&#8217;s credit is decent, above a 600, and the property will pay all expenses.Most commercial lenders have lowered their loan to value ratios. Back as recent as 2007, a Borrower could find a lender that would lend up to 90% on a stated income commercial loan. Those days are gone, at least for the time-being. Nowadays the best a Borrower can do is a loan to value ratio of 75-80%.Many commercial lenders are being very conservative on appraisal values. This means that a property that has a value of $3 million, may be cut by the lender to a value of $2.7 million. And, these are only on acceptable properties that will hold their value via the appraisal process.In late 2007, I started seeing commercial lenders really tighten their guidelines. Now, i finally see lenders loosen-up a little on guidelines for stated income commercial loans. My feeling, is that by the middle of 2009, lenders should be back to where they should be regarding stated income commercial loans, both on loans to values as well as credit scores.In the end, for those who cannot prove income to qualify for a conventional commercial loan, their only option may be a stated income commercial loan. </p>
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