Consider availing adjustable rate mortgage.

Filed under:  Home loan  by:  Malathi

I am sure not many are aware of adjustable rate mortgage. Even I didn’t know about its advantages till a few months ago. ARM (adjustable rate mortgage) helps one to pay a different monthly installment according to the market behavior.

 Last December, when my son came up with a proposal to buy an apartment in an upscale residential area, I inquired about availing ARM with my auditor. I wanted to know how much my son will be eligible based on his present annual salary.

 My auditor got back to me in a couple of days and informed that both I and my son have to apply together to avail the loan amount which was fairly large.

 He fixed up an appointment with a leading bank and attended the preliminary mortgage interview. His inputs in the loan application paved way for the loan sanction.

 But my son declined it on second thoughts of buying the property.

The most long standing beliefs is cracked.

Filed under:  Diamonds  by:  Malathi

Probably, one of the most long standing beliefs is cracked. I along with millions in the world have considered the Indian goldsmiths are the best craftsmen in the world. But when I visited James Allen online, he cracked my belief.

 Man, what stunning designs of diamond and silver jewelry he has developed! Purely exquisite.

 There is another unique feature in his site: you can design your own diamond jewel in just three online steps.

 I understand many celebrities buy jewelry from James Allen.

 His website has bagged most of the prestigious business certificates including BBB for authenticity. James Allen claims to sell conflict free diamonds.

 The site is an ideal place to buy gold ornaments as gifts.

Office furniture should speak of the prosperity of the office.

Filed under:  Office Supplies  by:  Malathi

I might stir up a hornet’s nest but so be it. If you leave the job of procuring office furniture to men, they make a mess of it. I personally feel office furniture adds to the overall personality of the office. It should speak of the mood and prosperity of the office.

 Look below for an example.

office-furn.gifThis work station is designed by a woman (not me). Don’t you think it is a complete work station that requires minimum movement of the person using it?

 You need even hire professional women designers of furniture. Just engage women interior decorators who can spot class and sophistication. Women know what comfort is and they do their best if you tell them so.