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Home & Life

Documenting Treasured Moments

Do you know the excitement that comes with documenting treasured moments you have spent in this life in a photo book? Customized photo books preserve these awesome memories for family and friends. Creating these photo books brings you a digital means of recording these moments. Photo books can be special gifts to people close to your heart or you can choose to keep them to memorialize the memories in mind. A versatile way of celebrating the best moments that life gives is by making a photo book; hence, ensure that the design at hand is eye-capturing, has an attractive decorative touch, and is of the best quality. Photo books give room to customize and personalize a book of memories, reflecting the unforgettable chapters of life.

Types of Photo books

Photo books reserve every cherished moment, such as a stunning wedding, newborn memory-book, travels and adventures, school yearbooks, or books personalized for kids.

Travel Photo books

People who are lucky enough to travel have plenty of memories and tales to tell. The documented excitements and the unforgettable explorations make a fantastic photo book, which is personalized strictly for travel. The number of places you have visited does not matter when making travel memory photo books. Use your favorite photos, reminding you of the time that you spent traveling. Therefore, the photo book will tell a beautiful story of your tour in pictures displayed, thus preserving your great memories of the travel.

Baby Photo books

Special moments that come with motherhood are always magical and worth documenting. You should capture every moment and milestone from the pregnancy, the baby’s first day, month, and year in baby photo books. Besides, the first year for babies goes by fast, and it is essential to document the baby’s growth for remembrance.

Wedding Photo books

A wedding is a passionate and emotional day for the newlyweds. It is essential to document every activity of the day in beautiful photo books. Expressing personal moments that meant a lot during your wedding, as well as your exceptional, unique photography style, can only be displayed by a personalized wedding album. Satisfy your hearts desires by adding personal touches that will make you honor your wedding day for the rest of your life.

Advantages of Using Photo books

  • Affordable best quality photo book: the excellent quality that an expert offers for the customized photo books is a fraction of the cost.
  • It is convenient: you do not have to strain yourself planning for a better result. Faster feedback due to last-minute rush, will not hinder you from getting a fantastic photo book. It does not matter whether you decide to do it yourself or hire an expert. You will have your custom made photo books anytime you need them.
  • Originality (Custom-made): before giving your order, you can make the photo book your creation. It offers you the liberty to give an idea of what you want it to exactly look like, thus comes with originality.
  • Easy to use: photo books do not take long to make. Slapping pictures together and throwing designs is easy. An expert may take a shorter time to design within days of the request.

Verdict

Photos tell a story of what matters most in our lives. Therefore, Mixbook empowers you to tell an amazing story through beautifully and customarily-made photos. It is the combination of a unique and on-trend design that has a powerful editor allowing you to create photo books reflecting your style. Our photo book services enable you to share beautiful memories without much stress. Our professionals’ design whatever you need to mark your favorite memories of the photo. We make the best quality photo books for either gifts or digital scrapbooks.

 

Business Tips

Here’s How A Print Management Company Helps Your Business

An up and running business means you need to outsource a lot of printed material. Other than outsourcing, you might have to distribute a hefty amount of paperwork in-office too.

It becomes challenging to keep tabs on all the paperwork happening in the company. Therefore, hiring a trükiagentuur will benefit you in the following ways.

Saves money

It is a well-known fact that buying things in bulk ensures a better price for them. Naturally, when a printing agency purchases its supplies, they require a large amount of all goods as opposed to individual companies buying single printing units.

When you get professionally involved with a print management company, it will give you an all-round yearly deal with which you will have to pay only once during the allotted time instead of making small investments throughout the year on your printing needs. This makes it effortless to trail your finances and avoid small costs, which most of the time go unnoticed.

Reduces carbon footprint

It is almost 2020, and it is of the utmost importance that we start caring about the mess we leave behind. If you work with a reputed print management company, they will direct and guide you about how you can curtail your environmental footprint while meeting all your printing needs at the same time. In this manner, you can save some capital, along with doing some good to mother nature.

Customises according to your needs

All businesses have different requirements. Therefore, it is not possible for laymen to keep all of this information in mind while also focusing on their individual department’s work.

A company might need large-scale printing procedures like printing banners and boarding or small scale procedures like printing office-cards and posters. Either way, personalization is critical if you want to outshine your competitors in the same field.

Integrates paperwork from all sources

If you are an individual living in the twenty-first century, you must be aware of the fact that it is almost impossible to store all of your data in a single device. Most of your company’s data might be spread across a series of desktops, laptops, and mostly on cloud storage.

A responsible printing house will make sure that all this data is integrated seamlessly with no data loss or displacement, which might obstruct the smooth functioning of your business.

It is less hassle

Imagine having to deal with manually printing all the paperwork your business produces, not pretty, right? Trusting a professional print management company will not only reduce the amount of time taken to curate, manage, and print all the data but also save a lot of effort.

Because once you entrust professionals with your printing requirements, they will walk you through every process of printing. Alongside this, a reliable agency will keep you updated about all the tangible property requirements like printers, paper, ink, etc. These are small things you cannot afford to worry about if you have a business to run.

You can reach out to printlink.ee when you’re scouring the marketplace for the best print management company.

 

Home & Life

How To Solve All Sorts Of Plumbing Problems At Home

Plumbing is one important area of work which is indispensable for everyday life. The works involved might look simpler but the perfection is what is crucial as any leakage can cause serious troubles. People use different systems including heaters and many pipes and today, there are also many other advancements made at homes. It turns upside down when the drainage system collapses. It is not possible to resolve it manually as it requires checking all pipes, drains and so on. It involves several processes and the best option is to go with a good service for plumbing to fix the problems.

Hiring Plumbers For Services

Today, there are a number of professional service providers who have come up with the latest facilities to help with different repairs. As there are lots of companies, it is wise to have a thorough look at the options and services covered by the plumbers.

There are certain important criteria to check out while choosing a plumber for service.

  • The service provider has to be licensed.
  • The services have to be very professional.
  • On time response and service should be mandatory.
  • The company should cover up all kinds of plumbing works.
  • Proper customer support along with valuable guidance on changes that could be made in the systems at home is vital.

There are many service providers and hence it is essential to research on the best services. Online reviews can help a lot and it is also advisable to call the plumbing services straightaway and find out the services they offer, the cost and other maintenance works.

Key Services Offered By Plumbers

Plumbing might just look like other works done at home. The importance of it comes to realization only when there are repairs in the water systems, drainage, leakage in pipes, clogging and others. Companies that specialize in the field have machines and equipments to clean drains so that are no repairs or clogs. The plumber also suggests replacing the drains if required and also does relining in the drains using the latest technology. There are cases where the basement becomes a problem and the professionals render waterproofing and installation of sump pumps and valves.

A good service is one that provides best services on time with quality and affordable costs. The skilled workers have much experience and hence understand the issues even at the first sight. It is also interesting to do some remodeling works so that maintenance works become easier. They follow a systematic way of their works with the latest equipments and technologically advanced machines. Using these machines saves time and the work is perfect. They give answers and explanations for all queries from the customer side. They arrive at the doorsteps when asked for service and finish all repair works in quick time. These professionals make sure that people can be completely relieved of plumbing troubles and provide satisfaction. It is therefore good to get connected with a best service, know the estimate and start works at home.

 

Home & Life

Festive Fun for the Whole Family at California’s Great America!

WinterFest is a beloved Bay Area event and an exciting holiday tradition. In 2019, festivities run from November 29 through December 31. This spectacular and immersive celebration at California’s Great America, a favorite amusement park and waterpark, transforms it into a holiday festival and a winter wonderland. The admission ticket includes all live shows, rides, and attractions in operation on that day and also admission to Boomerang Bay waterpark.

Visitors will be dazzled by millions of lights and one of the Bay Area’s tallest Christmas trees, adorned with sparkling lights and accompanied by giant toy soldiers that greet the visitors. You can skate in front of the Carousel Columbia, view live holiday shows, go on over 60 attractions and rides, and enjoy holiday eating at numerous locations.

Some of the Other Attractions at Great America

Holly Jolly Trolley

The Trolley brings back memories of the famous San Francisco cable cars in the early 20th century. Wherever it stops, special singers and performers do a routine, with audience participation, of a mix of old-fashioned Christmas songs. The women are in colorful dresses from that era, and the males have brightly colored pants, top hats, and long coats.

Mrs. Claus’ Kitchen Cookie Decorating

Decorate with Mrs. Claus as she makes cookies for Santa in a replication of her North Pole kitchen and her stove where her secret recipes appear piping hot. Children of all ages can decorate the special oversized creations any way they want with frosting and extra sugar. They can take pictures with the most famous cookie maker in the world while enjoying holiday tunes and possibly buying cookies and/or a souvenir ornament.

Cool Yule Christmas

Continuing throughout the night are performances on the main stage under a 70-foot-tall Christmas tree. Twelve professional dancers and singers in candy cane dresses and holiday sweaters perform a high-energy choreographed Christmas show that everyone can enjoy. There is even falling snow as part of the show.

Charlie Brown’s Christmas Town

The PEANUTS gang has decorated Planet Snoopy with oversized lights, and Snoopy has decorated his red doghouse with lights and tinsel and will be wearing his favorite Santa suit! There are Lucy’s Crabbie Cabbies, Peanuts 500, Charlie, Linus, Pig-Pen, a Christmas tree lot, and the Woodstock Express. Sally’s Christmas Crafts allows children ages 12 and under to decorate an ornament and make a Christmas card.

Gingerbread Village

See larger-than-life gingerbread houses in a land of lollipop trees, icing icicles, sugary sprinkles, and confectionary mansions, all of which will delight anyone with a sweet tooth.

Candy Cane Lane

Meet Ms. Candy Cane as she shows off her world and offers sweet treats. Enormous 20-foot candy canes mark the trail that goes through the lane. It is a wonderful place to take a family photo, and you can include Ms. Candy Cane with her matching wardrobe.

Finding a Place to Stay

When you are considering Santa Clara hotels, you’ve got a lot of options. The Hyatt House Santa Clara is a popular choice for people visiting California’s Great America. This 4.5-star hotel is right in the heart of the city and offers complimentary shuttle rides to nearby theme parks. The Hilton Santa Clara offers guests great selection, with 280 rooms to accommodate parties of all sizes. The hotel features a heated indoor pool, a well-liked restaurant, flat-panel TVs, mini-fridges, and more.

 

Home & Life

Top 5 Devices for Better Indoor Air Quality

The quality of your indoor air can impact both your health and your comfort. There are some new and classic devices that you can use to improve your indoor air quality. Keep reading to learn about five devices that you need to enjoy better air quality in your home.

Activated Charcoal Bags

Activated charcoal, which is charcoal that has been processed to change some of its properties, has been found to attract air pollutants to its surface and improve air quality. The bags can be placed in various sections of your home or office. Keep in mind that charcoal can lose its effectiveness as a natural air cleaner over time, but you can reactivate it easily by leaving it in sunlight for a few hours each month.

Mechanical Air Cleaners 

There are several types of mechanical air cleaners that you can use to clean your air. These devices are available in small sizes that can be placed on tables as well as large machines that can clean your entire house. An effective air cleaner can collect pollutants, clean the air, and circulate the cleaned air in the building satisfactorily. Consider investing in an activated charcoal air filter to benefit from the air cleaning properties of charcoal as well as the traditional benefits of air filtration machines.

Ventilators

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While a properly insulated building can reduce your energy costs, a high level of insulation can lead to poor air flow, which can have a negative impact on your health. You can improve your indoor air quality by using mechanical ventilators that add fresh air into your home while removing the stale air. Another way to improve your indoor air quality is to benefit from natural ventilation by leaving your windows open during the early hours of the day. Benefit from your HVAC system by using a scheduled service to conduct any necessary repairs or installations.

Plants

Like charcoal, plants are a natural device for enjoying better indoor air. According to NASA’s studies on using natural ecological systems to improve the quality of indoor air, there are many plants that are very effective in removing pollutants from the air. You can choose from a variety of plants such as golden pothos, Boston fern, and peace lily to improve your indoor air quality.

Carbon Monoxide Alarm

Carbon monoxide is a dangerous pollutant that is not easy to detect as it is odorless and invisible. Inhaling certain levels of this pollutant can cause various health conditions such as poisoning. You can improve your indoor air quality by investing in a carbon monoxide alarm that informs you when this dangerous gas is polluting your indoor air. Using this alarm enables you to use source control, increase the ventilation in your home and remove the pollutant before it causes harm.

There are several devices that can improve indoor air. You can purchase some of these products from retailers such as BTAC. Consider using some of these options for better indoor air.

 

Home & Life

Holiday Video Editing Tips to Take Your Holiday Movies to the Cutting-Edge

Going on holiday is one of the most awaited times of the year. You use this opportunity to visit new places, discover new things and people. In other words, you have fun! During this time, capturing photos and videos of your experience is a great way of keeping the memories of your travels intact. However, if you don’t do it properly, you will end up with a boring mess of video cluttering up your hard drive. So, what’s the best way to create a great holiday video? You should take a look at the video editing website online.

Tips to create the best holiday movie!

Even though a video editing company will do all the post-production job, you still have a major role to play in your holiday movie! Yes, you have to deliver all the footage! Believe it or not, this is a major responsibility if you want a great video. That is why we offer you some tips on how to film great videos and shoot beautiful pics:

1.        Create a story: A good story makes all the difference. When creating a holiday video, a great story is a cornerstone. That is why you need to take the time to plan ahead and write down the overall order of the video. This is important for the editing process. By having a strong story ahead of time, you are halfway done.

2.         Shoot non-stop: Never stop shooting! That is an order! You need to shoot your entire process from the packing until you come back home. This will help you to tell your story than just showing a series of clips of your holiday trip destination.

3.         Focus on your family and friends: Your family and friends are the most important part of your video. People tend to prioritize the scenery but that is a mistake! Even though the scenery is beautiful, what makes it unforgettable is that you are there! So capture yourself and your loved ones standing in front of the landmarks, eating, talking, running! Get it all. Trust us, in a couple of years, they will love to have footage of those moments!

4.       Properly save your pictures and videos: Never stop backing up your footage in case an accident happens and you lose it. Travelers tend to overlook this basic rule and they may end up losing days of media files. Trust us, nothing is worse than losing hours of experience.

5.         Don’t forget the scenery: Even though people are the most important element, you need to get at least some of the scenery as well! Take a few shots of where you’re staying and don’t forget to film the people around you. Also, get in touch with the locals and ask if they can give you a wave into the camera. This scenery footage helps you to tell the story of your trip.

6.       Sound Recording: If you want to talk while shooting, you need to keep it as a voiceover. Otherwise, try to say nothing if possible, or as little as you can, and let the people in your frame do the talking. Also, if you want the famous ‘movie effect’ in your video, set the camera down and just record the sounds of the place for a while. This is a great technique! And it is awesome to get a background sound. It is what is called an ‘atmos’ track (short for ‘atmosphere’). This is amazing to give your holiday video a really professional look. Likewise, it also gives you a backup if you are filming a great piece of footage. It is important to respect this aspect because the sound is an essential part of your video. Video with no sound is generally lacking that vibrant energy, even if it has a music track. Get footage with sound. Then in the editing process, you can decide what to keep and what to cut. But the Atmos track is a great technique that you might include in your editing.

7.          Film every shot for at least 5 seconds: If you like planning your shoots, don’t forget to shot for at least 5 seconds. This will make it much easier to edit because if you keep it short, that doesn’t really give you much room if you need to continue cutting the shot down. It doesn’t hurt you to continue rolling for much longer. The longer the better. If your film too short, that clip might be useless, and that is a complete waste of time.

8.        Don’t overdo effects: A great rule to follow when it comes to holiday video editing is “less is more”.  Make sure that during your own filming and editing, you don’t use too many effects, titles or transitions because that can mess up your video. Indeed, going overboard with any of those rarely ends well.

9.        Pick a good soundtrack: Complement your video with music. A good song will always help your holiday video stand out. Take all the necessary time to pick the right one for your footage.

 

Follow these tips when shooting your holiday footage. Once you have all your material, go to a video editing company to create the final video. After it is done, you can relive your holidays any time you want.

 

Home & Life

Clever Ways To Turn Your House Into A Home

A house is where people live, it comprises of walls, ceilings, and roofs, while a home is where your heart belongs. You may have everything in your house, a widescreen television, a very nice sofa, a huge dining table, elegant chandeliers, and other accessories, furniture and appliances that can make your house the most admirable house in your neighborhood, but are you happy every time you go home?

Turning your house to a home

To make your house a place where every member of the family is excited to go home and find peace and love, here are some simple yet clever ways you can do to turn your house into a home.

Hang family photos

Sure, seeing yourself in a photo with your family makes you feel belong and loved. Hanging photos of your family in the rooms and receiving areas can help big time in making your house a place to go home and be reminded of how beautiful it is to have a family.

Adopt a pet

Pets can make humans feel healthier and happier. A simple cuddle with your cat or dog can lower blood pressure, reduce stress, and gives you a feeling of overflowing happiness and satisfaction.

Keep your home clean

There is no way you can feel comfortable if the place where you are at, is dirty. The coziness of a house will start with cleanliness; change bed sheets, curtains and rags regularly, keep your floors clean, clear clutter before going to bed and in the morning, vacuum your sofa and carpets often, throw garbage outside your home daily. Make cleaning a habit and never leave your home dirty.

If you do not have time to spare cleaning your home, it is best to hire a professional cleaner instead.

Invest in the kitchen

Having a nice and functional kitchen gives people the urge and motivation to cook good food. Give your kitchen a nice ambiance, buy cooking utensils and appliances that can help you cook with ease. Throw away kitchen trash immediately before flies and insects infest your kitchen and home.

Serving your family good food can make them feel the excitement of going home and eating dinner with the family.

Give your home a nice scent

There are many air fresheners available in the market, they come in different scents hence you have a better advantage of choosing the scent that is most suitable for you and your family. A house that will welcome you with a good smell is relaxing and inviting.

Surround your house with softness

Have a very soft blanket and pillows available to every room in the house. Make the sleepers find the relaxation that they need after a long day at work or school, let it be a place where they can do things they love to do like playing at an online casino or it’s sister sites, computer games and the like. Fill your receiving area with pillows and comforters to make it a comfortable place for the family to hang out and share beautiful stories. Make every space in your home comfortable for everyone to sit, lie down, rest and relax.

There are other ways to turn your house into a home. The ways are just simple, you just need to be a bit creative and artistic.

 

 

Travel

Traveling For Work? Easily Track Your Spending Like This

Traveling for work can be quite exhausting, especially if you are traveling abroad. There is so much you need to do before you travel and then, upon your return, you still have a lot to process as far as expenses go. Your company may ask to see proof of purchases you made, get copies of your receipts and they may even want reasons why you spent what you did. It is a lot of work! Luckily, there is an easy way to track your spending while you travel for work and here is how.

Get a Travel Money Card

While many people may have business credit cards or debit cards, this does not help when it comes to addressing currency exchange. A credit card may be hit with and international service charge with every swipe and the same is true with a debit card. This will cost your employer a significant amount of money! In addition, if you take out cash using a debit card, you will need to pay service fees on top of exchange rates, again, costing money. However, you need to have money while traveling for work and you likely want it to be easily trackable, showing every purchase on an easily accessible transaction history (like a credit card can provide). The best option is to get a travel money card! Your purchase are trackable, there are no excess fees and you can use it just like a debit card.

Set Up Your Card

You can get a travel money card and put money on the card yourself or have your employer load cash to the card instead. Once loaded and registered online, the card is ready to use just as you would use a debit card. You can use it as a credit card, paying for a purchase with a simple swipe or you can use the card to take out cash as needed, getting the local currency without paying fees or exchange rates in the moment. Every purchase and every expense will be tracked on the cards account which can be seen by your employer.

Additional Currencies

If you are traveling to multiple countries for work, you will likely need more than one currency. With travel money cards, you can load multiple currencies on to one card, making it usable anywhere where you need to travel. Go from one country to the next, keeping track of your spending on one easy to manage account. As you can see, this is clearly a fantastic way to track your business expenses and also save your employer money on currency exchange. You can visit FX Compare to get the best exchange rates online!

Adding Cash

Not only are transactions easy to track for both you and your employer, but if you need more cash while abroad, your employer can load more to your card right online, getting you cash immediately. Not only is this easy and convenient but it will once again save your employer money on conversion fees. Exchange rates and service charges for travel money cards are very low and competitive, making them ideal for any kind of travel.

 

Business Tips

Top Coconut-Based Business Ideas That You Can Start

Coconut trees are hard to grow in the UK because these trees require high temperatures and humidity. They are abundant in tropical countries. Since they are not widespread in the UK, coconut-based businesses give a good market as long as you find your sources. It’s because your competition will not be that much. There are coconut milk UK suppliers that get their products from other countries, which they then offer to local clients and companies. There are various coconut products that you can sell and here are some of them.

Coconut water

In a 2017 article posted by The Guardian, it talked about how Britons were crazy over coconut water. It was a big hit, and it was forecasted to be a continuously growing market, especially with all the health benefits that it offers. Moreover, celebrities, including Rihanna and Madonna, loved it, which made it even more popular. You too can start a business selling coconut water. With the hype on this drink, there is a big chance for you to earn more.

Baked goods

If you are into baking, you can also incorporate coconut into your products. Many bakers use desiccated coconut on their cupcakes and other baked goods, giving them natural sweetness. Grated coconuts are available in varying sizes. You may find extra fine, medium and fine varieties, depending on your preference. Moreover, you may also choose from those with reduced fat and ones with full fat.

Coconut candies

Coconut candies are popular in Asian countries, especially in Vietnam. These candies are also widespread in the United States, but not in the UK. You can be one of the few who may want to start a business with this coconut product. If you love making candies, it’s something to consider. Search for recipes or create your own. Keep practising until you find the perfect recipe for your coconut candies. One example is chocolate with desiccated coconut filling like the famous American brand Almond Joy.

Coconut oil

There are several uses for coconut oil, making it another promising business opportunity. One of its most popular applications is for cooking. It is safer than other types of oil, especially when cooking at high temperatures. Some oils produce toxic substances when exposed to high heat, making them dangerous for health. Other uses of coconut oil are for moisturizing skin, keeping the hair healthy, and speeding up the healing of wounds.

Coconut spread

Yes, it’s not only peanuts, berries, and purple yams that you can turn into spreads, but coconuts too. Again, develop a recipe that will delight the taste of your market. Make sure that it has a long shelf life so that clients can use it for an extended period.

Coconut vinegar

It’s a healthier alternative to commercial vinegar, and it can be used for dipping, pickling and as a salad dressing. Coconut vinegar is also ideal for those with diabetes since its glycaemic index is low.

A coconut-based business can be lucrative; especially if you don’t have stiff competition in the market.

 

 

 

Finance & Investments

Why using credit cards to pay for home renovations is a bad idea

If you own a home, chances are you’re thinking of ways to add value to it. According to the 2018 Houzz & Home Study from Houzz.com, more than half of homeowners surveyed (51 percent) said they were planning beginning or continuing a home renovation. And with a median spend of nearly $10,000, those improvements can make a significant dent in a family’s budget.

But what’s the right approach to paying for home renovations? For many homeowners, the answer is credit cards, but that may not be the best approach. With home values at all-time highs, a better option for many may be a home equity loan.

Why using credit cards to pay for home renovations is a bad idea

Home equity is the difference between your home’s value and what you owe on it. A home equity loan is secured with your house and is based on the amount of equity you have built up over time. Typically, these loans have a low, fixed interest rate, which means that the payment doesn’t change each month. They also offer a fixed term to repay the loan, often ranging from 5 to 15 years.

A home equity loan is a better option than incurring a large credit card balance. Here’s why:

Promotional rates don’t last

Many people are lured into using credit cards for home renovations with the promise of a zero percent interest rate for an initial period. With this approach, you may be able to spread out payments on your home renovation over multiple months, instead of having to pay it all at once.

However, if you’re not able to pay off your balance before the introductory period ends, you’ll be stuck with a high interest rate on the remaining balance. Also, if you are ever late on a payment, most credit cards immediately end introductory rates as a penalty. And if you find yourself with a balance when a credit card’s regular rates hit, your debt can quickly add up.

Consider this: having just $10,000 when your credit card flips to its regular interest rate of 17 percent will cost you $2,830 in interest over three year years. Using a home equity loan at a 5.49 percent interest rate, even with a larger $15,000 balance, will cost less than half that in interest over the same three year period.

It’s easier to have a single loan that covers all costs

Even if you have good credit and can access credit cards with high spending limits, the cost of a large renovation can easily exceed the limit for most single cards. In order to access all of the money you would need, you would have to open multiple cards –– with multiple payments, different due dates, and varying interest rates.

A home equity loan, on the other hand, can often provide all the money you need for your renovation at a lower, fixed interest rate.

The limit to how much you can borrow is contingent on the combined loan-to-value ratio of your home or CLTV. The CLTV is determined by adding your current mortgage balance to your potential home equity loan amount, then dividing the sum by your home value. The lower the CLTV, the better. If you have good credit, you may be able to borrow up to 80 percent of your home’s equity. Depending on the value of your home, this can be a sizeable amount.

No surprise fees or costs

Credit card transactions sometimes have hidden fees, which can end up costing you more than any benefits you might receive from the card. What’s more, not all contractors accept credit card payments. If they do, there are often fees associated with the payments. A series of payments that seem small at first could, over time, accumulate significant transaction fees. While contractors are warming up to the idea of accepting credit card payments, the security of having cash on hand is best when you are dealing with the uncertainty of a renovation project.

Home equity loans potentially provide tax benefits

One more excellent reason to choose a home equity loan over a credit card to pay for your renovation? You may be able to deduct the interest from your home equity loan from your taxes in much the same way you do with your mortgage interest.

There are a few special rules for deducting home equity interest based on the new tax law, so be sure to consult with an accountant first. Certified financial planner Amy Jucoski explains in an interview with Realtor.com that if you use the loan to pay for home improvements, it’s considered acquisition debt, which is tax deductible.

“It’s a home equity debt if the proceeds are used for something other than buying, building, or substantially improving a home,” says Jucoski, which means you shouldn’t expect tax benefits if you use a home equity loan to pay for a trip to the Bahamas.”

Ultimately, how you choose to pay for your renovation depends on what makes the most sense for your unique financial situation. However, in a market where property values are at all-time highs, tapping into the existing equity of your home is one of the best and most sensible options to consider.

Turn your dream home into a reality. Lock in a Figure Home Equity Line today. It only takes a few minutes to apply and if you qualify, you can get same-day approval and funding in as few as five days**.