5 Tips for Making Your First Investment

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Investing your funds can be an effective way of increasing your capital but making your first investment can be a daunting experience. From choosing the right investment to learning more about the frameworks and protocols, there’s a lot to do before you’re ready to start parting with your cash. To get started, take a look at these top five tips for making your first investment:

1. Use Spare Funds

Although investments can be a viable way of generating income or increasing your capital, they don’t offer a guaranteed return. Due to this, it’s important to ensure that your other financial obligations and expenses are covered before you begin thinking about investing. By keeping a separate savings account and emergency fund, you can ensure that you only invest funds you can afford to lose. 

2. Get Professional Advice

Using your funds to invest is a big decision and choosing the right investment opportunity can be an even bigger decision! If you’re new to investing or you’re unsure what type of investment is right for you, it’s well worth getting professional advice. By working with an investment manager or financial advisor, for example, you can access the tailored information you need. As well as helping you get to grips with the world of investment, professional advice can also boost your confidence as you embark on your first investment. 

3. Carry Out Research

Don’t even consider investing until you’ve done your due diligence and researched the opportunity. When you see a potentially lucrative investment, it’s easy to forge ahead and focus on ‘getting in early’ to maximize your returns. However, investing in something you’re not familiar with can be a recipe for disaster. By taking the time to carry out in-depth research, you can learn everything you need to know in order to determine whether a particular opportunity is the right type of investment for you. 

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4. Consider Alternative Investments

Many new investors focus on traditional forms of investment, such as stocks and shares, ETFs, or retirement plans. Although these can represent great opportunities, there are other investments to consider. Purchasing a RippleNet token and investing in digital currency could be a fast way to increase your capital, for example. Alternatively, P2P lending could be an effective way for you to launch your investment career. With new opportunities emerging all the time, there are plenty of ways for new investors to use their funds. 

5. Manage Risk

Investments are typically seen as low risk, medium risk, or high risk. The higher the risk, the more chance there is of losing your capital but there is also the potential to generate lucrative returns. Before you get started, be sure to think carefully about your financial circumstances and choose a level of risk that you’re happy with. 

Is Investing Right for You? 

Investing is becoming increasingly popular, but that doesn’t mean it’s the right option for everyone. However, if you have funds available, you’re interested in the markets or you’re looking for a new and exciting way to boost your capital, making your first investment could be a great way to make your money work for you.

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Common Immunity Myths (& Truths!)

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How Does the Immune System Work?

Being healthy is a top priority in our lives right now…and almost everyone’s best friend is their immune system. The immune system is a complex system of cells and molecules that protects our bodies from outside invaders like infections, bacteria, and viruses, called antigens. These antigens attach themselves to receptors on immune cells, which then triggers the immune system response. Then, the immune system stores the antigens’ DNA and makeup before creating, distributing, and storing white blood cells that fight these bacteria and viruses. 

Innate vs Adaptive Immune System

The immune system is actually made up of two subdivisions: the innate and adaptive immune systems. The innate system is more general. It provides a non-specific defense against germs and outside bacteria that enter through the skin or digestion. The adaptive immune system is more specific. It creates antibodies to fight specific germs and viruses that enter the body. This is the immune system that stores the DNA information of certain antigens to create specific antibodies to fight them off. 

Finding the Truths!

This past year, we’ve been bombarded with quick fixes that claim to boost your immunity to the moon and back. There are a lot of myths going around on how to help boost your immune system. So, let’s take a dive into some of them:

Myth One: Exercise has no effect and may even weaken the immune system.

Truth: Exercise lowers blood pressure, helps keep body weight under control, and can protect you from diseases. It does this by lowering the levels of hormonal cortisol in your body. Therefore, exercising actually boosts your immune system. 

Myth Two: The more active your immune system is, the healthy you are.

Truth: A hyperactive immune system is related to many different conditions like allergic reactions and underlying diseases such as diabetes and lupus.

Myth Three: Stress doesn’t impact the immune system

Truth: Stress produces a hormone called cortisol, which changes the way your white blood cells react to the viruses and bacteria that enter the body. Therefore, stress reduces the body’s ability to fight off diseases.

Myth Four: Gargling salt water or vinegar will kill viruses

Truth: Gargling salt water, vinegar, or other mixtures won’t kill anything, but it may soothe a sore throat. 

Myth Five: Being born with a good immune system will prevent you from getting sick.

Truth: Besides the fact that the immune system, unfortunately, weakens with age, there is no certainty that you won’t get sick.

 

What Can You Do To Boost Your Immunity?

So, all in all, there are a lot of immunity myths floating around on the internet, but there are ways that never fail to boost your immune system:

  • Eat healthily
  • Take vitamins and supplements as recommended 
  • Get proper sleep
  • Avoid smoking
  • Wash hands consistently
  • Exercise regularly
  • Take steps to reduce stress

Strong immunity is built through balanced, healthful decisions. Rome wasn’t built in a day, and neither is your immune system. Taking care of your immune system takes time. Self-care isn’t just about the skin anymore. The inside of your body needs some love too.

This article was originally published at iveeapp.com.

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Tips for Buying Your First SUV

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If you are in the market for a new vehicle you may be considering buying an SUV. If you’ve never owned an SUV you may not know what you should be looking for when purchasing one.

They are impressive to look at but how do you choose the right one? Making the right choice is extremely important. To do this you must know as much as possible about what to look for when purchasing an SUV. Here is a look at things you must consider before making your purchase.

Manageability

If you’ve only driven cars your entire life especially small ones, it can be intimidating to drive an SUV, since they are much larger. SUVs come with a high driving position which gives you better visibility of the road.

However, while the visibility of the road is good, it can get tricky to park an SUV in tight spaces. Before buying an SUV it is best to test drive it. Don’t just drive it on the road, go to a car park and see if you can actually park it.

Consider Blind Spots

All vehicles have blind spots. However, the larger the vehicle the bigger the blind spots. This means that an SUV will definitely have a larger blind-spot because of its size. 

Many car buyers who are purchasing an SUV for the first time do not know that some SUVs have blind-spot monitors. When purchasing your first SUV it is best to buy a model with this feature.

SUVs Burn More Fuel

If fuel costs bother you then you should reconsider buying an SUV. An SUV will burn more fuel than a car. This is not to say that all SUVs will require an enormous amount of petrol. 

However, it is just a fact that on average they are more likely to burn more fuel than a car would.

The sheer size of the vehicle alone means that the engine will have to work harder, especially when the car is fully loaded and has a lot of passengers.

Check Out the Backseat Features

If you have children you want an SUV that has great rear ventilation and pockets in the back seats. This will have to keep the car tidy. Check all the compartment sizes and make sure that they are big enough for cup holders.

Make sure that there are airbags at the back of the vehicle as well. Take a look at the seats in the vehicle do they are easy to clean. Kids can get things messy especially if you allow them to eat in the car on trips.

Make Your Purchase

Buying an SUV for the first time is exciting. However, there is a lot to think about before you make your purchase. When you know what to expect you will not be blindsided when you finally drive the vehicle out of the dealership.

It may be a learning curve for you, but with time and patience you would learn to manage your new ride.

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Should You Do Your Own Car Repairs?

Thinking of fixing your car yourself? Before you pick up that wrench, it could be worth asking yourself some of these following questions first to make sure that it’s the right decision.

Do you have the technical knowledge?

Some car repairs don’t require too much technical know-how. This includes replacing windscreen wipers, changing tyres and even replacing brake pads. 

Other tasks may require a bit of mechanical understanding. While you may be able to teach yourself what to do using how-to blog posts and video tutorials, there’s only so much knowledge that you can cram in. It’s important to know when something is beyond your expertise – especially if it could be very expensive or dangerous if you get it wrong. 

What does the law say?

It’s not illegal to repair your car. However, there are certain repairs that could be deemed illegal if they’re not done to certain specs. Repairs that are also modifications may have to be done to roadworthy legal requirements. This is often why you need an expert for window tinting. Certain parts bought from abroad may also not be legal such as tires that don’t meet tread standards – so you should be careful as to where you buy parts.  

Fixing your car may also be illegal if you don’t technically own it. If it’s leased or even on finance, there may be small print in a contract that says you must seek out professional repairs. This is worth looking into before you get stuck in. 

Do you have the right tools?

Repairing your own car could save you money – but only if you have the right tools. If you have to buy specialist tools, you could end up spending a lot more than were you to use a mechanic that already has the right tools. 

Hiring tools may be an option in some cases. This could allow you to save costs without necessarily owning the right tools. 

Will it affect your insurance coverage? 

Most car insurers allow you to do your own repairs. You must however notify your insurer about any damage following an accident before making repairs. You don’t have to file a claim, however you must notify insurers if you don’t want to run the risk of making your insurance void. When it comes to fixing general wear and tear, notifying insurers is usually not necessary. 

Do you have the time and motivation?

Many people don’t have the time of motivation to fix their own car. If you’re this type of person, going to a mechanic can be a lot less hassle and is probably better for your sanity.

For others, fixing a car can be a hobby that is rewarding. If you belong to this group of people, then doing your own repairs could be worth it. If you have a passion for DIY, you’re less likely to cut corners. This is important as cutting corners could lead to mistakes or future problems.

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How to Live an Energy Efficient Life?

The development of technology has brought us numerous benefits. We can get hot water whenever we want, and we watch TV shows at midnight. Everyone of us is enjoying the convenience of modern life. However, there are few people who are willing to stop a couple of minutes a day to think about saving energy for our planet. The recent news about Elon Musk building the solar roof in Canada brings the concept of green life to our attention. Is there any way for our normal people to contribute to our environment and planet? The answer is yes.

Avoid leaking at home

We use our home appliances every day and take everything for granted. However, whenever something goes wrong, we feel reluctant to get it right quickly. This is easy to understand because we work every day, and we naturally want to procrastinate anything which is not urgent. We intend to lay down at our comfortable couch and forget about the leaking faucet in the kitchen. After all, it will not cause any immediate danger. However, people might not realize how much water is wasted from a leaking faucet. There are millions of people in the world who can not access clean water every day. We can simply do our part by fixing the leaking parts in our home to save millions of lives.

Installing energy efficient windows

Although the world still has four seasons, we have been used to the mild temperature maintained by our air conditioners. However, you might not realize how important it is to have energy efficient windows and doors. A triple pane window has much better capacity than normal windows to insulate temperature, sound and outside elements. A professionally installed window will save a lot on your monthly energy bill. In this way, you are not only helping the environment, but also benefit your own financial situation.

Cultivate nice habits

The concept of saving energy should be everywhere in our life. For example, we can turn off the light when we leave our house or the office. For people who have a little budget, they can buy energy efficient appliances like toilets and washing machines. Of course, if we find any malfunctioning signs from our washer, we need to call a professional appliance repair technician to fix it right away. Moreover, we can tell our kids to bear the concept of energy saving in mind.

Conduct recycling strictly

You may not know how much poisonous garbage ends up in landfills, and all of those undegradable plastics will be washed into oceans. Then the scattered plastics will be absorbed by fish and other creatures. In the end, the fish will be hunted and get back to our tables. Yes, we are eating micro plastics everyday. Does it sound terrible? A lot of cities have programs to recycle plastic, bottles, glasses, etc. All we need to do is to comply with the rules to save our planet. Especially for construction sites, home improvement projects and small businesses, the garbage size will be enormous. It is important to contact local dumpster bin rental companies to take care of your garbage properly.

When we start to conserve energy in our life, it might be a little difficult in the beginning, but when we turn those greener tips into our daily routines, we are helping our communities, and the world to be a little greener every day.

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3 Tips to Help You Stay Productive At Home

The pandemic has been around for a while, and many of us have chosen to spend more time staying at home to protect ourselves. Especially in winter months, everyone loves the cozy couch at home instead of the freezing weather outside. While it might be a good time to relax, we can definitely utilize the leisure moments to improve ourselves. After all, we will go back to our normal life eventually. To make the most of our time, we can use the following tips to help us. 

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Read more books

This might sound discouraging as we have been used to staring at our television all day long and watching the unexhausted Netflix shows. However, we also need to push ourselves to study and learn new knowledge through books. The awkward thing in our era is that knowledge becomes so accessible and cheap, but people still want to consume expensive stuff like designer bags or luxury trips. The happiness from materialistic things goes away fastly, but the satisfaction from absorbing and learning from books can be life long.

Moreover, reading books can bring you real relaxation, focus and peace in mind. You don’t have to read difficult and boring books, and even if you choose to read fiction, you can benefit a lot more than watching a TV show.

Start some passive income

Everyone wants some passive income, but you will never get any unless you start to do it. It is extremely easy to set up a YouTube Channel or personal blog. The services are free online, and all you need is to do some research and get yourself started. It is true that earning a passive income is a long term process, and you will not get thousands of followers without continuous effort. However, as long as you step into the industry, you will be exposed to many other opportunities. Sometimes, you will not need many subscribers to earn some income as long as you acquire the right audience.

Meanwhile, you can also learn a new skill to open the source of income. For example, you might think that programming is so difficult and only professionally trained intellectual people can do it. However, you can find coding books and beginner guides online so easily now. Learning some new programming language will open a new door for you, and you don’t have to be an IT expert. As long as you expand your knowledge, you are increasing your personal value, and you might get potential job opportunities.

Keep home clean and comfortable

The condition of our home is a reflection of our life. We need to organize and clean it on a regular basis to ensure that we are in the most comfortable status. In return, a tidy home will bring you good luck and positive influence. In addition to the cleaning and maintenance, we should also replace malfunctioning appliances. For example, a leaking window will cost you a lot on a monthly energy bill, so it is important to replace it with an energy efficient window in time.

Life can be short. When we are enjoying the leisure time at home, we can also encourage ourselves to improve and make progress every day.

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The Excitement of Dating Sites

In previous years, you could only date in person. You’d probably be set up by a friend, or perhaps even a parent. You would go on a few dates, start courting and then get married. Today is a totally different story! The dating pool today is far larger than ever before. Of course, you can still be set on a blind date, meet people in a restaurant or even find the love of your life in church, but that’s not the only place you can now find love. Since the development of the internet, you can find any kind of lover you’re looking for with the click of a button. That’s right, you can find your one true love on the world wide web and it is very easy to do so.

Primarily used to find love, dating sites are all the craze. There are so many different sites out there depending on what kind of preferences you have, so it’s almost guaranteed that there will someone out there for everyone. For example, if you were a believer in faith and Christianity, then there are dating sites designed for those beliefs. This is a great way to keep your dating life and beliefs in line with one another. If you were to have specific sexual needs, perhaps you were into BDSM, then there are sites where you can discover people with the same likes too. Plus, with todays’ more relaxed approach to different sexual orientations, online dating is a breeze.

Using a dating site allows you to discover so many different people and potential partners, which is incredibly exciting. Never before have you been able to see so many different relationship possibilities in one place. Even if you’re just looking for a little bit of fun, perhaps even a sugar mama or sugar daddy, you can find the right person out there for you. One of the best things about dating sites is that you don’t have to commit to one person. You can do exactly what they’re designed to do, date. You can encounter multiple people and find the right person for you, rather than settling on the first person you meet. Plus, dating apps allow you to express yourself in whichever way you wish, so you can have people get to know you pretty quickly without even having to meet. On any dating profile, you could even disclose your intentions if you wanted to, so that you can meet the right people. If you wanted a steady relationship, say that. If you want to be a sugar baby with a hunky sugar daddy, then say so. You don’t want someone pining after you if they’re not the right fit. If you wanted a hunky sugar daddy, you certainly don’t want a lovesick man pestering you. Say what you mean so you attract the people you desire.

When using dating sites to find love, you have to let is happen naturally. There are a lot of people on dating sites and most are there looking for a good time. That’s okay. It’s really important to let things develop naturally, you don’t want to scare off any potential lovers. Many people who want a relationship will be clear about their intentions, but not all. That’s why you need to take it slow and not demand a ring on the first date. Meeting lots of different people is meant to be an exciting time, don’t worry too much about commitment and lifetime relationships. If it’s meant to be, it’ll be.

One of the most exciting things about online relationships is that you can really put yourself first. There are so many people out there who put their all into a relationship without getting much in return, and that can be incredibly frustrating. With online dating, you can put your own needs and desires first and test the waters. If someone is instantly rude over a message or perhaps doesn’t have the same personality as you, you can move on. You don’t even have to meet them first! Saving you so much time in the long run. It’s truly great being able to put your own needs above anyone else’s.

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Can Finance Be The Basis For A Successful Business?

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There are a lot of countries around the world that have taken a step back from producing products in recent decades. With nations like China managing to get a firm grip on the manufacturing market, it can be difficult for other places to make enough to justify this difficult industry. Of course, though, this leaves options like finance as the only alternatives for new business owners, but is it possible to make a successful business in this field?

Brokers

Finance brokers have offered an essential service for a very long time, acting as a middle ground between lenders and those who need to get their hands on money. In a role like this, you will work hard to ensure that your clients get great financial services while getting to take a slice of the money that is made from them. This option is great for those with an existing financial background.

Investment

While it may sound a little scary, investments can also be a very good way to make money in the modern world. Originating in Australia, Swyftx is a crypto platform that makes it easy to make money from this sort of investment, and options like this can be found across the web. Businesses like this can be risky to run, but they will give you a lot of freedom and the chance to work for yourself as a result.

Lending

In the past, only banks and other large companies were able to offer loans to other people on an official level. Nowadays, though, this has changed, with peer-to-peer loans being a popular option for those who would like to avoid going through big banks. Of course, one question for those going into this business is, “How much interest should I charge for lending money?” The answers to this and other questions about this business can often be found online. There are a lot of websites around the web that make it possible to get involved with options like this, though it could be worth looking for ways to maximize your profits if you want to build a business out of it.

Advice & Support

People will always need help with their money, and those who are able to offer this can find great success in the world of finance. Blogs are a good example of this, though you could also consider the idea of writing an eBook, releasing a podcast, or even designing a service that will enable people to pay for your advice.

Predictions

Finally, as the last idea to consider, it’s time to think about the predictions that can be made in the financial world. There is a lot of risks tied up with money, and it can be incredibly easy to make mistakes that will result in heavy losses when investments go wrong. As a result of this, people and businesses will often spend a small fortune to get help with these predictions from someone who has had success in the past.

Making the most out of money is hard, especially when you are running a business that revolves around it, but this doesn’t mean that it is impossible to find success. As time goes on, you will only get better at managing money and finding your route in the world of finance.

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AC Troubleshooting Guide

It’s always annoying when your air conditioning goes wrong, especially if you call out a professional, and then find the problem is something you could have easily fixed yourself with a bit of DIY. To help you save some money, here are some easy troubleshooting tips to try on your broken AC before you call in a professional.

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Of course, some problems will need a professional to fix. If an issue is beyond your skills, don’t try to fix it yourself, or you could cause more damage that is even more expensive to put right. Know when to admit defeat and call in Emergency AC Repair

Check For Dirty Air Filters

A dirty filter can cause problems like:

  • Low airflow from air vents
  • Ice on refrigerant lines
  • Frozen evaporator coil
  • Water leaking from your AC
  • Inadequate cooling
  • Higher than normal energy bills
  • Equipment failure

Take a look at your air filter. If it looks dirty or clogged, replace it. A dirt filter suffocates the AC unit. The layer of dirt on the filter limits the amount of air that your AC unit is able to breathe in. When the AC doesn’t enough airflow, it can cause a lot of different problems or even complete system failure. 

Check Your Thermostat Settings

Having your thermostat in the wrong settings can cause problems like:

  • Warm or hot air coming from the air vents
  • AC won’t turn on

Go to the thermostat and double-check it is set to cool and not heat. It sounds silly, but a lot of AC repair callouts are made to units that aren’t working that turn out to be set to heat and not cool. This happens a lot, especially as we move from heating to cooling season. 

Check Your Air Conditioning Circuit Breakers

If the air conditioning won’t turn on, then it could be a tripped breaker. Go to the main electrical panel in your home and check for any circuit breakers that aren’t in the on position. If your circuit breakers are clearly labeled, look for one that is labeled AC or Air Conditioning. 

If the circuit breaker for the AC is tripped, push it firmly into the on position, and try turning on the AC again. If the breaker immediately trips again once you run the AC, do not try to flip the circuit breaker again. You will need to call a professional to look at the unit, as there may be a larger electrical problem. 

Check Your Outdoor Unit

A dirty outdoor unit can cause problems including:

  • Higher than normal energy bills
  • Warm air coming from the air vents
  • AC not providing adequate cooling
  • Frequent repairs

Go outside and look at your outside AC unit. If there is a layer of dirt on the outside of the unit, you can use a hose on a gentle setting to shift the dirt. If you see a thick layer of dirt on the unit, it’s better to call a professional for a deep clean.

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The Unspoken Rules for a Bathroom Remodel

Since the global pandemic, we have spent so much time at home, and it is easier to see why we have increased our focus on bathrooms. Bathroom renovation is among the top home improvement trends for 2021. Luckily, renovating the space has been made easier, thanks to DIY kits and free expert tips. It is easy to tell people that we are renovating but initiating the process is where the real challenge starts.

Planning for a Bathroom Renovation

From getting the ideas together to planning the layout, there are significant factors we must bear in mind. Here is a general guide for a successful DIY bathroom makeover.

It Starts with Inspirations

We are so lucky to be in the information age where online inspirations abound. Anytime we need to update our washrooms but are yet to decide on the perfect design, we can quickly rush to check sample projects over the internet. We may see a bunch of items we want in the space, like yankee candles or custom towels, too. Trending designs by fellow DIYers and Pinterest posts are examples of inspirational sources. Even hashtags, e.g. #bathroomrenovations on social media can be beneficial.

Affordable Alternatives

As we peruse webpages, we want to be sure that we are getting the most affordable options to renovate our bathrooms. There are many inexpensive solutions suitable for DIY projects. We need a simple installation process to avoid breaking through the wall and floors where electrical lines and plumbing systems could be linked.

Understanding Technical Terms

Many online guides for DIY bathroom renovations contain technical terms. We need to familiarize ourselves with these words so we can take the right steps. We should learn such terms as curbless shower, rain showerhead, steam shower, thermostatic shower valve, and so on. Profound knowledge of technical aspects allows us to describe situations precisely when we need extra help from a pro.

Planning the Layout

There are essential tools for laying out a bathroom design. Spreadsheets offer a great perspective of how the different elements will harmonize. Sometimes we are tempted to get a new facility we saw on TV based on the looks. But it doesn’t mean the new fixture will look great in reality. We must be flexible and make modifications as we move on. Planning a layout helps us to know what is important and what works and what doesn’t.

Defining a Timeline

Many times, we have hired professionals to do home improvement jobs. One of the most important things we ask these experts is how long it is going to take. Similarly, we need to define a timeframe within which to complete our DIY bathroom remodel. When unsure, we can check online videos and articles concerning the same tasks to have an idea of the time we need. A DIY route often takes longer than usual, so adding some wiggle room is okay to cover any unexpected delays.

Saving Untouched Materials

There is some extra material that remains after a renovation task. Others go untouched, e.g. paint and new tiles. We don’t have to toss these away because we will need them in the future. Perhaps after six months, the kitchen will need a retouch.

Everything We Need to Remodel a Bathroom

Here is the right way to tackle a bathroom remodel.

1. Prep Work

The first step is settling on a new design. We can approach a bathroom makeover in various ways. Some design elements we have to nail down are as follows.

New fixtures: whether to install a new sink, showerhead, or bathtub

Colors and theme: The new fixtures must not clash with the paint

Location of essential amenities: Accurate measurements of plumbing pipes and electrical wirings to avoid damages

Storage space: Where to keep the toiletries and towels after the remodel

2. Gathering Tools and Supplies

We need extra tools besides our home tool collection. These supplies are necessary when renovating a bathroom.

Hammer

Stud finder

Utility knife

Goggles

Hacksaw

Spackle knife

Silicone sealant

Pry bar

Extension cord

Gloves

Chisel

Adjustable wrench

Power drill/ cordless drill

Flathead screwdriver

Safety mask

Wet-dry Shop-Vac

Caulking gun

Bucket

Tape measure

A bathroom remodel is a perfect way to revamp our homes, but we need to be careful not to make mistakes with it. Before we begin, it is good to plan out the renovation process step by step. This allows us to know what we are getting into. Like any other project, we should start by creating a timeline. From the beginning, let us inform other household members that we are revamping our bathrooms. We want everyone to be on the same page and make sure they are comfortable with the ideas.

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