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8Nov General

6 Tips on How to Buy Cheap Flower Bouquet

For some people, buying flowers is a luxury as they don’t have a lot of spare money to spend. But, sometimes, you just want to send the flowers for someone. The good news is that there are many ways to get around buying the flower bouquet at your budget. The following are 6 tips on how to buy cheap flower bouquet.

Deliver the Flowers Yourself

When you buy flowers online, they will charge you a delivery fee. There are several shipping options like standard delivery or express delivery which will cost you more fees. If you want to save money, it will be best to just choose the standard delivery. Better yet, if there is a florist nearby, just walk in and buy the flowers. Then, you single-handedly deliver the flower to the person.

Don’t Choose Add-Ons

Adding add-ons like balloons, candies and soft toys can quickly increase the price of the bouquet. So, if you have a limited budget, don’t choose the one that has these add-on items. If you want to include them, you should be able to get them for cheap at a thrift store. Even adding a small note card will cost you a fee. You can make your own note card using a small piece of thick paper that is folded into half.

Choose a Bouquet with Lesser Flowers

The more flowers the bouquet has, the more expensive it will be. Therefore, you should not choose a bouquet with lots of flowers if you have a limited budget. Sometimes, it is not necessary to choose a bouquet with a lot of flowers to impress the recipient. Remember, giving a single flower stem is still counted as a flower gift. What is most important is that you give the flowers sincerely to the recipient. That is all is needed to make the recipient smile when he/she receives the flower gift from you.

Use Coupon Code

If you decide to buy the flowers online, you should always do some research to see if they offer discount coupon codes. To know which store has a coupon code, go to a coupon site like RetailMeNot and search for an online florist. It will then display a list of online florists that are offer discount coupons. It will be good enough if you can find a coupon code that gives you a small discount if you couldn’t find the big discount coupon code that you are looking for.

Buy Flowers at the Local Grocery Store

Maybe the bouquets in the local and online florist shop are expensive for you. In this case, you can go to your local grocery store to buy flowers. Flowers at the grocery store are usually older and opened already. This is in contrast to flowers in the florist shop which are fresher and closed.

If you send to the recipient, he may get a chance to watch the flower opened as he keeps them in a vase with water. However, if the recipient doesn’t mind about it, then it is alright to send him flowers. Still, it is recommended that you check how old is the flowers to avoid buying one that is too old and wilt fast. If you want to know how old the flower is, you can squeeze the bulb at the bottom. Tight bulb means the flower is still fresh.

Choose Local Flowers

Choosing to send local flowers will save you money. Imported flowers are usually expensive because of the import fees. If you want to buy imported flowers at cheap price, wait until there is a promotion, for example, a special occasion that uses the particular flower for celebration. Some of the cheapest flowers are gerbera daisies, lilies, and Alstroemeria.

7Nov Finance, Money

8 Questions to Ask When Applying for a Loan

Taking out a loan comes with a lot of responsibilities so it is important to do research carefully. There are various types of loans being offered online. Spending time to determine your financial needs and asking yourself some questions can help you to choose the right loan.

Do You Need The Loan?

The first question is whether you need the loan. You should only apply for a loan for necessary expenses. For example, you need money to cover grocery expenses. But you probably don’t need to get a loan to pay for a vacation. It is not worthwhile if you have to be burdened to visit your favorite vacation destination.

How Much Loan Amount Should I Apply?

The short term loan lenders set the maximum and minimum amount of the personal loan. However, the loan amount that is approved to you depends on your credit rating. A personal loan is the best option if you want to consolidate your credit card debt or cover expenses that you did not expect. You should only take out a loan on the exact amount you need. If you borrow more money than you need, you can end up with more burden than you need. You can find out how much money you need to borrow by calculating your debt and expenses.

How Long It Takes for the Money to Be Released?

There is a waiting period between the time you apply for the loan and the time you receive the funds. It can take up to 2 – 5 days for the loan to be processed. During this time, the lender will review your credit report and the documents that you attach before approving the loan. After your application is reviewed, you can expect the funds to be released in the time frame of 1 day to 3 weeks.

What Kinds of Documents Do You Need to Bring?

Besides, you also need to know what kinds of documents you need to bring. Some of the documents you need to bring are your social security number, employment information. The lender will contact you if they need any additional documents for you. The lender will want you to verify your identity information, social security number, and income proof.

What is the Credit Score Requirement?

The credit score is the main factor that the lender will consider when approving your loan application. The credit score shows how responsible you are in making a repayment. You may want to request a free credit report to check your credit score. The credit report is free to request once every 12 months. If you notice any inaccuracy, you can dispute it.

What is the Interest Fee?

The interest fee of the loan can affect your decision to borrow. Usually, the personal loan will come at a fixed and variable rate. With fixed interest, you pay the same amount every month. A variable personal loan has a monthly payment that slightly fluctuates. Borrowers with good credit will qualify for a low-interest rate. If you have low credit, the interest rate you get can be in the higher range. You can improve your credit score to enjoy a lower interest rate.

Do You Understand the Repayment Plan?

It is important that you fully understand the loan repayment plan. The monthly payment depends on the loan amount, interest rate, and loan term. You need to know about the due date of your monthly installment. You need to make sure that your repayment plan is set at a rate that you can handle. Besides, you should also ask if there is any early repayment fee.

Does It Allow Cosigner?

Some loans allow you to use a cosigner. With a cosigner, it is easier for you to get a loan. In the event something happens, the cosigner will be helping you to make the payment. If you use a cosigner, make sure he knows that he will be responsible if you become delinquent in making payment. If you choose to sign up for a joint loan, you have at least one other person to help you in paying the loan.

2Nov Finance, Money

7 Factors to Consider When Applying for a Loan

Applying for a short term loan could be the solution to your financial problem if you have a job and can afford to pay it back. The loan application process has been made easier with many lenders now offering their loans online. The approval process is faster and you can borrow the same amount as when you borrow from the bank. The following are 7 factors to consider when you are applying for a loan.

Check the Requirements

The first thing you want to do is to check the requirements for the loan. The most basic requirement is that you must be a US citizen and be at least 18 years old. There is also a credit score requirement you need to meet. In a loan comparison search engine, you can easily see whether the loan requires a good, fair, or average rating. The short term loan lenders will check your credit history which can affect your credit score slightly.

Loan Amount

Next, check whether the lender offers the loan amount you need. You may be having in mind to borrow $5,000 or $15,000 and you want to make sure that the lender offers the loan amount. The lender will send a reply on whether he approves of loaning the amount you have requested for. The approval of the loan amount depends on your ability to make the repayment promptly. If you get approved, you should expect to receive the funds in your account as fast as one day to two weeks.

Interest Rate

You want to compare the interest rate when looking for a loan. If you have a good credit score, you will be able to qualify for a loan with a low-interest rate. However, there is no need to be too enthusiastic in looking for low-interest loans. As long as you can afford it, you should apply for it. You want to make sure that you have an adequate credit score when applying for the loan. This will ensure that you don’t get charged with an exorbitant interest rate.

Loan Fees

Besides, you need to check the fees that come with the personal loan. Most personal loans offer a discount when you choose autopay. There will be fees like origination fees which is deducted from the loan amount. The late fee is charged when you make the repayment past the due date. An unsuccessful payment fee is charged if the payment did not go through successfully. A discharge fee is charged when you pay back your loan in full early.

Loan Term

The loan term is an important factor to consider when you are applying for a loan. Many personal loans offer a fixed term from 15 – 30 years. Some lenders allow you to make modifications to the loan term according to your convenience. You can ask the lender if they allow making repayment earlier or later than the loan term as well as how it can affect your interest rate.

Processing Timeframe

You may also want to consider the timeframe of the processing and releasing of the funds. If you are in urgent need of funds, you should find one that can release the funds in 1 day. If it is not urgent, you can look for a p2p lender as they usually release the funds in 2 weeks. You can visit other websites to read reviews from other customers. Customers will often leave reviews about how smooth the loan process goes and how fast they receive the fund.

Suitable Repayment Schedule

You should choose a lender that offers a suitable repayment schedule. Some lenders will give you the option to postpone payment when you are jobless if you have a record of making payment on time for a certain period. Some lenders offer you the ability to make changes to the payment date when necessary.

Flowers

1Nov Beauty, Business, Fashion, General, Interior Design

7 Reasons to Buy Flowers for Yourself

It is not necessarily that you go to the florist to buy flowers for someone. You could visit the florist shop to buy flowers for yourself too. Flowers can bring a lot of benefits for you so it makes sense to buy flowers for yourself. The following are 7 reasons to buy flowers for yourself.

Cheer You Up

Flowers can cheer you up when you are having a bad day. You will have more positive moods for up to 3 days. Elderly people will experience an improvement in episodic memory. Flowers boosting the mood may have to do with their vibrant colors, sweet odor, and symmetrical appearance. Flowers can release a type of chemical that can trigger the brain to produce pleasure receptors.

Reward for a Small Milestone

You can buy flowers as a reward for reaching a goal. Doing so can encourage you to move forward and continue going towards your vision. It can be frustrating to have to wait to reach a big milestone to reward yourself. Instead, you can start rewarding yourself every time you reach a small milestone. Buying flowers and putting them in a vase in your house is the easiest way to reward yourself. When you smell the nice fragrance of the flowers, you will feel refreshed and be motivated to move on.

Improve a Dull Space at Home

Flowers are the perfect way to revamp a dull space in your home. You can add flowers to any place in the house such as the kitchen, and living room. You should choose flowers with colors that complement the color theme of the interior of your home. You can experiment with displaying different types of flower bouquets and see which ones work for you.

Reduce Anxiety

Flowers are known to reduce anxiety and boost relaxation. For example, you can sprinkle rose petals into the bathwater when you are taking a bath. If you have an office in your home, you can consider putting flowers on your desk to ease the stress. By relieving anxiety, you will be able to be more creative and have a better mood to work on group projects. You can add essential oils onto the spray water bottle which you use to spray the flowers now and then.

Motivate You to Get Out of Bed

Flowers can motivate you to get out of bed in the morning. Seeing a bunch of blooms when you just wake up and open your eyes can motivate you to be a morning person. You may want to put flowers in a vase on the side table of your bed if you are always late for work or school. You must remember to change the water frequently and trim away the dead leaves and flowers. After some time, you will find yourself getting used to waking up early in the morning.

Help You Sleep at Night

Putting flowers in your room can help you to sleep at night. Flowers like lavender can have soothing smells that regulate the mood and help you to fall asleep. The soothing smells can calm down your nervous system and make you feel relaxed. Research shows that just 15 minutes of interacting with the plant can improve your sleep by reducing the number of times you wake up in the night.

Help You Get Well Faster

Flowers can help you to get well faster when you are sick. Flowers can release antioxidants to improve circulation and improve the heart. Jasmine flowers can aid in your digestion and relieve your body from aches. Marigold has the anti-inflammatory ability and can be used to treat acne skin problems. Passionflower has been known to treat various types of mental and emotional ailments.