Day: July 26, 2022

Good investment

Refund any CPF OA funds used for our home down – payment

We will “owe” to our CPF OA whatever CPF OA amount we use for our house purchase and home loan, which we can see by login onto our CPF site and going to the Home Ownership Dashboard. The Total principle amount withdrawn (the actual amount used) and Total accumulated interest are shown here (we also have to refund the interest we would have earned if we kept the principal amount in our CPF). This sum will only be repaid to our CPF OA when we sell our home. The amount we “owe” our CPF OA is not fixed. It will continue to accrue at a rate of 2.5 percent per year until we complete the refund. This is sometimes referred to as the accumulated interest on our house purchase funds. You can try CPF Ordinary Account

Housing grants may be available to persons acquiring a HDB apartment. We must keep in mind that housing grants are paid into our CPF OA, which forms our OA funds. We must reimburse any portion of the housing grant, as well as any accumulated interest, that we used to acquire our property. Because we are likely to have used a significant portion of our CPF OA money for our house purchase and monthly home loan payments, we may be in for a surprise once we sell our property and learn how much must be repaid to our CPF OA.

This is not the same as paying off our home loan, and it has no bearing on how much we owe the bank or how much we have to continue to pay for our HDB or personal land monthly home loan. In reality, even after we have finished repaying our house loan, we will still “owe” our CPF Ordinary Account.

Often, it makes no difference how much we owe our CPF OA because we are only needed to refund it if we sell our real estate and also if there is an insufficient number after selling our property, we generally do not have to make cash refunds. However, there are compelling reasons to consider making a Voluntary Housing Refund (VHR) while still residing in our house.

The benefits of pet grooming

From cleaning the ears to trimming the hair, grooming is a moment of well-being for pets.

If you think that Dog grooming Hollywood FL is just an aesthetic matter or a whim to please the owners’ ego, you are off track. It is in fact a moment of true well -being for our furry friends, also important for their health: for this reason it is often performed in special centers by qualified personnel pet grooming Hollywood FL.

What is grooming?

Grooming is a term that indicates a series of operations concerning the cleaning of the animal: generally it is the bathroom, the cut and care of the hair and its hygiene.

It can be performed on both dogs and cats, although the latter are naturally more inclined to take care of their own cleaning themselves and therefore have less need for someone else to do it for them.

Dog hygiene

In the case of dogs, grooming includes:

wash

brushing of the hair

hair cut

ear cleaning

eye cleaning

teeth cleaning

nail cutting

A question of health

 It is undeniable that after a Dog grooming Hollywood FL session the dog is more beautiful, fluffy and gives off a pleasant smell. However, such an operation also has an advantage in terms of health, because it keeps it away from the risk of parasites and possible infections . .

Let’s remember to brush our pets’ fur often, they will be grateful!

Bathroom yes but without exaggerating

Be careful not to overdo it: each dog should be washed several times a year but not more than twice a month, also depending on the season. Always remember that our four-legged friends are programmed by Mother Nature to be self-sufficient: the dog’s sebaceous glands, for example, produce a sort of protective film on the skin.

Cat hygiene

Cats can also be groomed, bearing in mind that they generally don’t like water. This service for them typically includes:

wash

brushing of the hair

drying

hair shearing

eye cleaning

teeth cleaning

nail cutting

The location : if you want to open an automatic self-service grooming, a room of the right size will be useful based on the volume of customers you plan to develop daily. An estimate of visits and users necessarily goes hand in hand with the choice of a welcoming, strategically competitive and well positioned place.