Jeffrey Campbell
Design. Colors. Match. Classic
MOBILE KITCHENS. SURVEILLANCE TRAILERS. Best Chicken Scallopini Recipe - How To Make Chicken Scallopini. 24 Essential Kitchen Tricks and Tips. Easy Recipes, TV Shows and Videos. 55 Small Bathroom Ideas - Best Designs & Decor for Small Bathrooms. How to Make Modern Cement Planters. I started making these eco planters for gifts a year ago and haven’t stopped.
They are simple, stylish and downright lovable. Each pot is unique and has an organic, handmade feel. It is not an instant gratification project and you will have to commit, but the results are well worth it. I like to make about six at a time. Ingredients Cement (it’s the glue that binds the other ingredients) Vermiculite (you can use sand instead, but the planters become very heavy) Peat moss, pearlite, gravel or rock (add for fun!) Materials and Tools Gloves Apron Food containers Plastic Bucket Succulents Shovel 3 – 9 x 12 pieces of sheet metal or plexiglass. The ratio is one to four. 1. 2. 3. 4. 5. 6. 7. 8. 10. Make These Colorful Little Plant Homes From the Comfort of Yours. How to Regrow Food in Water: 10 Foods that Regrow Without Dirt.
50+ Best Kitchen Gifts - Ideas for Kitchen Gadget Presents. Hate Open Shelving? These 15 Kitchens Might Convince You Otherwise. 6 simple tricks to keep your air plant alive. 75 Home Improvement Tips - Easy Ways to Makeover Your House. A Gallery of Succulents and How to Grow Them. The great thing about the increased popularity of succulents is the ease of availability.
Suddenly, succulents are everywhere. Their distinctive sculptural quality and the varied shapes allow them to function as attractive organic décor in the home. Succulents come in many forms from tiny spheres like strings of green pearls to tall, slender leaves that resemble kelp. Some look like fat cartoon trees, while others resemble chunky flowers. Succulents are generally easy to grow, low maintenance plants. What is a Succulent? A succulent is a plant that stores moisture in its stems or leaves. Most succulents have a compact growth habit and are often spherical, columnar, or chunky. Most succulents have shallow, somewhat flimsy root systems. Most have a rib like structure that allow the plant to expand quickly as it soaks up moisture.
Local Marketing Kelowna. Virtual Tour - Kelowna Investment Brokerage. Refinancing your mortgage – you may be in for a surprise! Refinancing your mortgage – you may be in for a surprise! Contact - Bill Raine, Coldwell Banker Horizon Realty. British Columbia Trailer. Photo Gallery - Legacy Garage Doors. Virtual Tour - MOOLIX Ice Cream Shop. 7 Ways to Pay Off Your Mortgage Early. Employment - T-Bone's.
Mortgageokanagan. The Benefits of Living on Native Land. Kelowna Ice Cream Shop. Mortgageokanagan. Nuvueoptometry. BUZZ Marketing Kelowna. Zahrasalonandspa. Kelowna Ice Cream Shop. British Columbia Trailer. California Open Internet Bill Threatens ISPs, Cable Companies - Decenternet. Is California bill, the ultimate measure to restore net neutrality?
If broadband and cable companies think that they have already won, they should better think again. When the FCC filed in the federal registry its decision to repeal net neutrality doesn’t mean that the fight is over. The struggle has just started and, the California open internet bill will make a stand. ISPs and cable company are concerned about the California open internet bill because of its tougher rules. Lobby group representatives from AT&T, Comcast, Charter, and other cable firms cringe on the petition that could execute the weightiest net neutrality rule in the nation. The California open internet bill, also known as SB 822, will enforce the 2015 Open Internet Bill.
State Sen. “California is stepping up into a void to make sure people don’t lose the protections they have,” Wheeler commented during a Friday interview. Mayors from some of the largest California cities have expressed their support as well. Decenternet - Hyperspeed P2P Internet Infrastructure. Locations - T-Bone's. Gallery - OK Valley Irrigation. Location - Zahra. Eye Exams Are An Important Part of Your Health Routine. Energy Wise Savings Event - Blinds by Design Nine. Purchase a minimum of 4 Duette® with PowerView® Motorization and receive a $200 rebate and an extra $50 for each additional shade purchased.
Purchase a minimum of 4 Duette® without PowerView® Motorization and receive a $100 rebate and an extra $25 for each additional shade purchased. *Please note this promotion is available to consumers who have purchased the qualifying product only. Employees of Hunter Douglas, the Hunter Douglas dealer and it’s affiliates, franchisees, agents, associates, advertising and promotional agencies and members of the immediate families of these employees are not eligible.
Hunter Douglas will bill back the dealer for any claims that are in violation of the rules. Consumers must submit a completed online form by May 31, 2018. Estate Planning - Aubin and Associates. When a person dies without a Will, he/she is said to have died “intestate”.
The Estate Administration Act sets out the protocol for the administration and division of assets under intestacy. Here is a basic outline: Your spouse gets the first $65,000.00 of your estate plus all joint property and 1/3 of any separate property. Your children get the other two-thirds. Your spouse will be the Guardian of your minor kids – but will have to post a bond to ensure that she uses their money for their benefit.
Online Advertising Kelowna. Hunter Douglas West Kelowna. Selling - Bill Raine, Coldwell Banker Horizon Realty. 6 Things Every Real Estate Pro Needs to Know. Spring has arrived in the Okanagan Valley. Spring has arrived in the Okanagan Valley.
Probably the single most beautiful season. Birds chirp, flowers bloom and all around there is new growth of energy, warmth and colour. Not to worry about it being too hot or too cold, as it is just right outside. With spring selling season arriving, take the time now to polish your home to perfection. 1. 2. 3. The Mortgage Stress Test Is A Big Deal! Salon and Spa Services Kelowna. Three Ways Machine Learning and AI Are Changing Marketing. Gallery - Blinds by Design Nine.
Bridges Show Homes - Wilderness Custom ExteriorsWilderness Custom Exteriors. Nuvue Optometry Blog. Shuswap Falls Resort. Central Okanagan Economic Indicators Q4 2017. Kelowna Frames - Nuvue Optometry. Mortgage Okanagan Blog. I am going to talk about mortgage bridge loans, used for buying another property before your current property sells.
Bridge loans are typically used to cover your down payment for a new property before your current property selling. The cheapest option fee-wise from the bank is for you to sell your house and have a two or three day period until your new purchase completes, so everything can take place in the backend for financing with the lawyer and the bank. This scenario would not require a bridge loan, as a few days is enough time for the bank and the Solicitor to do what they need to do without rushing. Rolling Overhead Grills - Legacy Garage Doors. CORPORATE PLANNING - Kelowna Investment Brokerage. Succession Planning Succession planning for your business is important.
As a business owner, you have a number of people that rely on your company (family, partners, customers, employees) and who are invested in your business. Virtual Tours Kelowna. Other Services - Aubin and Associates. Community - T-Bone's. The Mortgage Stress Test Is A Big Deal! Real Estate Photography Kelowna. Exterior Before After - Wilderness Custom ExteriorsWilderness Custom Exteriors. Legacy Commercial Garage Doors. Spa Kelowna. Specials - Blinds by Design Nine. Critical Illness Insurance. 7 Reasons Why WordPress Websites Are The Bomb. Residential Openers - Legacy Garage Doors. Shop - Zahra. Credit and Mortgages - The Easiest Credit To Acquire. Being a mortgage broker I have seen a lot of people with no credit, damaged credit or just starting to build their credit.
It is never easy to build your credit when first starting out and it can sometimes take years to establish even a little bit of credit. I will go over some of the best credit habits and how to obtain credit when first starting out, coming out of bankruptcy or building from damaged credit. The only items that build your credit are credit cards, lines of credit, and loans. However, there are many items that can damage your credit such as any missed bill payment, usually missing two months in a row, or you may have missed one month, went a couple payments on time and then missed another.
Breakfast Sausage Patties - T-Bone's. Estate Planning - Aubin and Associates. Empty Nester Renovations. Empty nesters experience many mixed emotions as they say goodbye to their adult children while sending them off to college or moving them into apartments of their own.
During this time of transition, it might seem appealing to sell the family home and move to a smaller location. Before hiring a real estate professional, putting up the for sale sign and going through the hassle of moving, consider a few of these empty nester renovations. They can help you take advantage of newly acquired space by making your home feel contained and manageable. An often requested feature in any home is a gourmet kitchen with modern appliances and plenty of prep space. If your kitchen lacks space and modern amenities, this might be the right time to renovate.
When families are large, the basement is often used as a play space filled with toys or video games. With many empty nesters opening their own businesses or telecommuting, an office makes a nice addition to the home. Specials - Blinds by Design Nine. Kelowna Mortgage Broker Blog. There are some substantial changes arriving on January 1, 2018 that will make it more difficult for anyone looking to purchase or refinance their property with 20% or more down payment or equity.
FICOM is implementing a rule change that make it so when anyone in Canada looking for financing at 20% and above equity would need to qualify under a stress test of 2% above the rate they are receiving or the benchmark rate, whichever is higher. What this effectively does is lower what a client may qualify for by about 20% – 30% depending on their income and debt levels.
For example if someone where to have the following scenario this is what would change come January 1, 2018. Using the following: 3.34% 5 year fixed rate, 30 year amortization $65,000 annual income 20% down payment **Would qualify for approximately $510,000 purchase price under existing rules** Come January 1, 2018: 2.99% 2 year fixed rate, 30 year amortization (Have to use 4.99% or 2% above contract rate, whichever is higher. INVESTMENT PLANNING - Kelowna Investment Brokerage. Insure Wealth offers investment planning for your RRSP’s, TFSA’s, and non-registered accounts. We utilize customized programs to search over 9000 investment funds to narrow down a handful of solid reputable investment choices. Our philosophy is that most of investors are unsure about their investment choices and typically fit the profile of conservative-balanced investors. Catering Kelowna Gallery. Dry Eye Tips - Nuvue Optometry. Professional Photos - BUZZ Virtual Spaces.
Home Renovations Kelowna. Aluminum Door Gallery - Legacy Garage Doors. Different Credit Scores and What They Fit For Mortgage Programs. Live WordPress Repair. 5 Things You Need To Know When Renewing Your Mortgage. Whole Package Concept to Completion. Gallery - Blinds by Design Nine. Kelowna Plumbing. Estate Planning - Aubin and Associates. WEALTH PROTECTION - Kelowna Investment Brokerage. Insurance Planning: Insurance planning is not necessarily just about buying a life insurance policy to alleviate stress for your family when you pass away. Insurance policies, under the Income Tax Act, allow you to grow money tax-deferred and tax-sheltered. This can be used as an invaluable tool in wealth management, estate planning, and retirement planning by providing an additional source of income.Many people do not know that life insurance policies can offer tax-deferred growth, creditor protection, diverse investment options, and the ability to withdrawal your investment growth!
Want Longer Eyelashes? Try Latisse - Nuvue Optometry. About Us - Aubin and Associates. We give you many reasons to visit us for your Real Estate transaction, Will, Powers of Attorney or other needs, whether it’s our reliability, honesty, availability or our experience. Legacy Garage Doors Kelowna. Custom Kitchens - Realty Renovation Kelowna. Custom Kitchens The kitchen is known as the heart of the home for good reason. It’s the most used room in the house. “If it’s more than 15 years old, upgrading the kitchen floor, cabinetry and appliances to modern standards will net you more money during (the) time of sale,” said Raymun KhunKhun, real estate agent with Sage Realty in Kelowna B.C.For many, a kitchen is the center of the home.
Removing Stains From Your Walls. Holiday Ordering - T-Bone's. Competitive Shipping Rates. Wilderness Customer exterior renovations consultation.