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House planning is a time consuming process. Once the planning is over, one may sit back and cherish his dreams turning into reality. House planning, is simply, a visualization of the final look of ones home. These days, internet provides an easy access to the variety of home plans across the world, be it in terms of location, design, atmosphere or architecture.

House planning rests on a thorough insight of ones preferences and requirements. It involves a creative and efficient management of the home space. Usually, this planning begins with an approximation of the total budget followed by an estimation of the cost of expenses.

The home design is a cumulative of many diverse aspects, including the number of bedrooms and bathrooms and size and style of individual region. It is vital to count on appropriate placement of the kitchen, living room and bathrooms, availability of open space and suitable interior décor. These days, people abide by Vaastu or Feng-shui significance while designing their houses. This further extends the planning process. Keen observation, farsightedness and minute detailing are essential for designing an error-free house plan.

In addition to the conceptualization of major indoor designs, house planning also requires a focus on various services, such as regular water supply, effective electric system, resistance to earthquake and short-circuiting. It is imperative to consider the availability of such services at the time of selecting the house location itself.

Many aspects depend upon the location of the house. One must conduct an extensive research before finalizing the place. A good locality ensures a fine atmosphere and an uninterrupted flow of services. Familiarization of terrain simplifies the process of construction as well as management of space.

Planning a house incorporates both inner as well as outer spacing. Outer planning involves extensions in the form of garage and garden. Depending upon the family needs and interests, one may work upon a desirable mix of the two.

It is always advisable to do a comparative study of various houses. This enlarges ones vision to plan and extends the scope of new designs and ideas. One can come across multiple flooring styles, ceiling patterns, exit-entrances, and payday loan cash advance light arrangements, which may prove beneficial in designing an apt layout of the house.

Traditionally, home planning was even more tedious. In present times, different home planning softwares like Smartdraw and Computer Aided Design have abridged the cumbersome process. One can practically chart out the best possible designs and see ones dream turning into reality.

Buying a house, or planning the same, is generally, a one-time investment. This makes it even more special and serious. An innovative idea and creative and efficient planning can surely fetch wonders in designing the ultimate dream home. One-time efforts can be fruitful for a lifetime.

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Nationwide has insisted its takeover of Virgin Money will make it financially more resilient after experts said the deal could initially weaken the mutual’s balance sheet.

The building society agreed a £2.9billion deal last week to buy the challenger bank and create Britain’s second biggest savings and online payday loans no credit check group. 

The tie-up is Debbie Crosbie’s boldest move since she became the mutual’s boss in 2022.

She said the takeover ‘strengthens Nationwide and means we can offer more value and broader services for our members’. 

Tie-up: Analysis of Nationwide’s balance sheet after swallowing Virgin Money shows it would be in a weaker position

Nationwide also says it would ‘create a combined group with enhanced financial strength,’ with access to new sources of funding.

But an analysis of Nationwide’s balance sheet after swallowing Virgin Money shows it would be in a weaker position.

Nationwide says a key measure of financial strength, known as common equity tier one capital, would be around 20 per cent after the takeover. That’s still high compared to other big banks but lower than the 27 per cent Nationwide reported last year.

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Another important indicator, the leverage ratio, would also be weakened by Nationwide taking on Virgin Money. ‘This is a strong bank buying a weaker bank on the assumption that better management will drive up returns,’ banking expert Philip Augur said.

‘Maybe it will but the protracted period of integration will stretch management,’ he added. 

Nationwide plans a softly-softly approach to bedding in Virgin Money. It will run both brands with separate banking licences ‘in the medium term’ but does not expect to make sweeping job cuts at Virgin Money in the first year after the deal completes.

Nationwide has also extended its promise to keep all its branches open by two years to 2028, instant payday loans including Virgin Money’s 91 outlets.

Sir Richard Branson’s Virgin Group will pocket more than £400million in the deal for its 14.5 per cent stake. 

Virgin Money, which was bought by Clydesdale & Yorkshire Banking Group for £1.7billion in 2018, will pay a £250million exit fee to the Virgin Group to stop using its name in four years’ time. 

The bank will also pay the Virgin Group £15million a year while it continues to do so.

The lender faces calls from some of its members for a vote on the Virgin deal. But Nationwide says a vote – which would take time – could derail the deal under City takeover rules.

Fewer than half (49 per cent) of 156 members polled by YouGov felt positive about the deal, though only six per cent said they felt negative.

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SAVANNAH, Ga. (AP) – Georgia lawmakers gave final passage Thursday to a change in state law that would allow a private utility to provide water service for new homes near Hyundai’s upcoming electric vehicle plant without first getting permission from local governments.

The state Senate approved House Bill 1146 by a vote of 32-22 on the final day of the legislative session. The measure now goes to Republican Gov. Brian Kemp to be signed into law.

Hyundai broke ground in October 2022 on its first U.S. factory dedicated to producing EVs and the batteries that power them. It´s the largest economic development project in Georgia´s history, and construction has progressed quickly as the South Korean automaker seeks to begin manufacturing cars by the end of this year.

Supporters of the bill said the legislation is needed to accelerate home construction in Bryan County, where Hyundai plans to employ 8,500 workers at its $7.6 billion EV plant west of Savannah. They say the county’s water system can’t meet the area’s growing need for housing, loans with no credit check but local officials have been reluctant to give a private utility their consent to help provide service as the law currently requires.

“We have to find a way to meet an immediate need for workforce housing, and in order to get that done we need a private water option and a public water option,” said Sen. Max Burns, a Republican from Sylvania who supported the proposal.

Opponents argue that letting private utilities bypass city and county governments undermines their ability to manage limited water resources in Georgia´s rapidly growing coastal region. The Georgia Association of Water Professionals said it would also circumvent safe drinking water rules intended to protect Georgia consumers.

Sen. Frank Ginn, a Republican from Danielsville, said he opposed the change because it would allow private utilities to disrupt local planning for growth and development. Before serving in the legislature, Ginn worked as a city and county manager.

“As a local government guy and a guy who has built water systems, I know how difficult it makes it when a private water system comes in and cuts out a part of the county,” Ginn said.

Savannah-based Water Utility Management, a private company that supplies drinking water to 32,000 homes in 17 Georgia counties, pushed lawmakers to pass the bill. It would allow the company to bypass local governments that are unable to provide water for the same development project within 18 months.

Water Utility Management CEO Mark Smith told a Senate committee earlier this month that the measure would “prevent the county from having a veto power over a private system.”

Private utilities would still be required to obtain permits from the Georgia Environmental Protection Division. Their ability to bypass local governments is intended to be temporary and would lapse at the start of 2029.

It’s not just Bryan County that would be impacted. The bypass provision would apply to any projects seeking water from “coastal aquifers,” which the Georgia Association of Water Professionals says would include most of southern Georgia.

The association joined conservation groups in opposing the local government bypass, as did the Georgia Municipal Association and the Association County Commissioners of Georgia.

The bill’s chief sponsor, Republican Rep. Ron Stephens of Savannah, has said state-imposed limits on how much water Bryan County can withdraw from the Floridan aquifer, the region’s main source of drinking water, are slowing construction of new homes needed to accommodate Hyundai’s workforce.

Smith says Water Utility Management has the capacity to withdraw enough water to supply about 3,000 homes near the Hyundai plant, but has struggled to get approval from Bryan County.

In Bryan County, home to about 45,000 people, the county government is pursuing a $360 million expansion of its own water and sewer system to serve the plant and nearby homes. The expansion is expected to come online payday loans no credit check next year.

County officials appearing before a Senate committee earlier this month didn’t outright oppose the bypass bill. But the engineer overseeing the county´s water expansion, easy personal loans Trent Thompson, suggested a private utility would be an unwelcome competitor as the county seeks customers to help repay $120 million in online payday loans no credit check used to fund the project.

The battle over expanding water service in Bryan County stems from restrictions the Georgia Environmental Protection Division placed in 2013 on counties in the Savannah area that limit how much water they can withdraw from the Floridan aquifer. The caps were imposed after scientists concluded that excessive pumping was drawing saltwater into the aquifer.

Because of the restrictions on Bryan County, four wells are being drilled in neighboring Bulloch County to supply the Hyundai plant with up to 6.6 million gallons (25 million liters) of water daily.

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