The Ins And Outs Of Personal Finance

Managing your finances can be one of the most difficult tasks we must do on a daily basis. The self control that financial management requires can be difficult for many to muster up, but some suggestions can make managing our personal finances easier. This article contains a number of tips relating to personal finance.

Creditors like to see borrowers manage more than one credit account; it is important, however, to keep this number under four. One card will not sufficiently build up your credit. Over four cards can drag your score down and be difficult to manage. If you want to build credit, keep two cards and don’t add others unless necessary.

Your car, as well as your home, are the two biggest purchases that you will make. A huge factor of your budget each month will be not only the payments, but the interest rates of these things. Pay them more quickly by paying extra or taking your tax refund and paying more on your balances.

Finance experts say it all the time. Pay yourself first. You should have at least 3 months worth of living expenses in an emergency savings account. From each paycheck you should have a specified amount of money that goes directly to this account before you ever even see it.

Always consider a used car before buying new. Pay cash when possible, to avoid financing. A car will depreciate the minute you drive it off the lot. Should your financial situation change and you have to sell it, you might find it’s worth less than you owe. This can quickly lead to financial failure if you’re not careful.

As this article has discussed, personal financial management can be a difficult task but is much easier when the right advice and suggestions are followed. Although some lack the discipline to manage their finances properly, some suggestions can help all people manage their finances more effectively. Use this article’s advice and be on your way to greater financial independence.

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How to Bring an Office Building Bathroom Up to Date

A successful bathroom remodel requires a lot of behind-the-scenes work. That includes tearing out old materials and plumbing and installing new drywall and flooring.

Use classic design instead of trendy elements that can quickly look dated. This style is easier to clean and ages well. Click to learn more.

bathroom remodeling

Letting an outdated bathroom in an office building turn off clients and potential customers is okay. Hiring a contractor to remodel the restrooms will breathe new life into a space that will impress current and potential clientele.

The first step is to find a professional with experience remodeling commercial bathrooms. A reputable remodeling pro should have the proper credentials, an appealing portfolio of work, and a long list of satisfied clients who can vouch for their quality and professionalism.

Next, you should choose a contractor offering a fair price for remodeling services. It is a good idea to get quotes from several contractors, as pricing varies depending on experience and level of service. Ask each contractor what materials they will use and why. For example, one contractor might say they will install cement board on the walls, while another may use drywall because it is easier and less expensive.

If you are still determining what type of design to implement in the bathroom, it is a good idea to seek the advice of a licensed designer specializing in kitchen and bath remodeling. A professional will not only provide valuable design ideas, but they can also save you money by finding cost-saving solutions and suggesting alternatives to your initial concept.

Incorporating universal design elements into the bathroom is also a good idea, as this will allow future building tenants to use the facilities with greater ease. For example, incorporating blocking into the wall for mounting grab bars can help prevent future costly modifications.

Another way to save time and money on a bathroom remodeling project is to utilize pre-finished products that install easily and quickly. For example, pre-made shower walls and niches are quicker to install than a custom-built unit.

If you plan on remodeling the bathroom, you will likely need a permit from the Department of Buildings. However, some projects don’t require a permit, such as changing the appearance of the bathroom, and projects that don’t affect MEP or change support structures.

If you plan on moving the shower or toilet in an office bathroom remodel, talk with your contractor. Structural changes can be costly and impact the amount of time needed to complete the project. It’s best to set your budget and stick with it. Changing your mind mid-project will add to the already lengthy lead times for materials and potentially push back the completion date.

The same goes for any other major changes you’re considering. If you add a window, for example, it may require more work to install new pipes or electrical lines. Also, consider the amount of storage you’ll need in your bathroom. That can add to the overall price of your renovation, especially if you choose custom items.

When choosing a design for your bathroom, stick with neutral styles that will stay in style for a few years. You’ll also want to choose durable, easy-to-clean materials and fixtures. You should also consider water-saving features, which are good for the environment and will impress eco-conscious customers and staff.

One thing you’ll need to keep in mind is that ADA (Americans with Disabilities Act) regulations have strict guidelines when it comes to accessibility in commercial bathrooms. Before starting your bathroom remodel, comply with the latest ADA rules, like clear floor space and door widths.

In addition to laying out your bathroom remodeling timeline, you’ll also need to decide what materials and finishes you want in your newly remodeled bathroom. Make sure you get the best prices on those items by comparing quotes from different contractors before making a final decision. You should also check the shipping periods for the needed materials and be prepared for any unexpected delays.

Finally, remember to remove or cover any furniture or electronics in the area that will be under construction. If anything gets damaged, it’ll be much easier to fix the problem if you do so before the construction starts. That is also a good time to inventory the items you must bring for your project.

A modern look can be a great choice for an office bathroom remodel. It’s a clean style that’s easy to maintain and will stand the test of time. It can also make a great impression on clients and employees who visit your business.

One of the best ways to achieve a contemporary aesthetic is by choosing large-format tiles for the walls and floors. That will create a sleek, minimalistic backdrop that lets other design elements shine. White and gray tones are common in contemporary bathrooms, but dark shades can add contrast and make certain design features stand out.

Other popular choices for contemporary office bathroom remodeling include stainless steel fixtures, cabinetry handles, and natural stone countertops. Water-saving features are also a great way to impress eco-conscious employees and customers. These include toilets with restrictors, motion detector lighting, sensor-activated faucets, soap dispensers, and hand dryers.

Adding wall art or unique bathroom accessories is another great way to incorporate a contemporary touch. These can include unique tile patterns, a back-lit mirror with a wood grain, or artwork that ties into your business’s brand. Other bathroom enhancements that add a pop of personality and appeal include solid-wall stalls instead of traditional partitions and decorative backsplashes.

When it comes to commercial bathroom renovations, it’s important to choose a licensed and experienced contractor. You’ll want to work with someone with a strong portfolio of past projects who can provide references from previous satisfied clients.

A good contractor will take the time to understand your needs and provide a thorough estimate before beginning the work. They’ll also ensure the project is completed promptly and within your budget.

While it may be tempting to try incorporating trendy styles into your office bathroom, a quick change of taste can quickly render your bathrooms outdated. If you’re looking to get the most value out of your remodeling project, stick with a classic aesthetic that will be timeless and attractive for years to come.

Being ADA-compliant regarding bathroom requirements isn’t something that can be overlooked. It’s a legal requirement for most buildings open to the public or engage in commerce, including commercial properties. Most existing buildings that need to be ADA-compliant were not designed or constructed to meet the requirements, but they can be brought up to date through renovations. Bathrooms are often the first places that need to be updated to meet ADA standards, and they’re usually the most expensive part of the remodel.

Fortunately, only some office bathroom remodeling projects have to be ADA-compliant. The ADA only requires that you make changes to your restrooms if they’re being changed in a primary function area. That can include changing offices, conference rooms, and break rooms. It does not include reroofing, painting, wallpapering, asbestos removal, or normal maintenance. Alterations are defined as any change affecting your facilities’ usability, so even replacing a faucet or changing a wall’s full-height partition plan could be considered an ADA alteration and require compliance.

If your office will be remodeled, you must understand what the ADA requires of you. That will help you choose fixtures and accessories that are both stylish and ADA-compliant. A few examples of what to look for are:

Toilets: You’ll need a toilet at least 17 to 19 inches from the floor to allow wheelchair users sufficient space to maneuver in and out of the stall. It’s also a good idea to install a grab bar on the wall, as this will allow individuals who need extra support to steady themselves while in the bathroom.

Sinks: These should be 34 inches high and have plenty of clearance underneath to accommodate a wheelchair. Ideally, the sink should be sloped for easier access, and you’ll want to install lever handles instead of knobs that may be hard for disabled people to grasp.

Showers: The tub or shower must have a clear entryway and enough room for a person to turn on the water, enter, and exit. Ideally, the door should open and close easily, and you’ll consider installing a walk-in tub if possible.

Cost of Steel Commercial Buildings

Steel Commercial Buildings

Steel Commercial Buildings OKC are ideal for restaurants, repair shops and other businesses that see frequent customer traffic. These structures are also durable and designed to withstand heavy wear and tear. The size of your building plays a major role in the price per square foot of your steel structure. Choosing a standard size will help keep costs down compared to custom sizes.

Cost of Materials

Steel buildings are popular in many industries for their durability, affordability and longevity. They are also versatile enough to be used in a number of different applications, from industrial and retail space to warehouses and self-storage. However, it is important to understand that the cost of a steel building can vary depending on the size, materials and accessories chosen for construction. A good place to start is by understanding the cost of steel per square foot, which can help you determine how much your new steel building will cost.

First, you will need to decide what kind of building you want to create. This can depend on your personal preference, the size of your property and other factors. For example, if you want a larger building with more amenities, it will cost more than a smaller steel building with fewer amenities. Similarly, the design you choose will also impact the cost of your steel commercial building. For example, a four-walled box building is much cheaper than a custom-designed multistory learning center.

After you have decided on the style of building you want to construct, the next step is to purchase the necessary materials. This can include the foundation, the metal panels, insulation and any other required fixtures. The cost of these materials will be influenced by several factors, including the quality of the products you choose and how much customization you need. You should also be aware that steel prices are constantly changing, so it is a good idea to consult with a Steel Building Expert before you begin your project.

Lastly, you will need to consider the labor costs of assembling or erecting your building. This will be influenced by the complexity of your building and the amount of skilled labor needed to complete the task. While labor costs don’t have a direct influence on the price of steel per square foot, they can significantly affect the overall cost of your project. A simple, four-walled garage is much easier to assemble than a complex, multistory steel learning center.

Regardless of the industry you operate in, it is important to find a company that offers steel building construction services. A professional can help you plan your building, choose the right materials, and ensure that all construction is compliant with local codes and regulations.

Cost of Labor

If you’re building your business a new home, you have many decisions to make. The size, design and additional features you choose will affect the cost of your project. The type of construction materials you select will also have an impact on your costs.

Steel buildings are popular for large-scale warehouse projects and other commercial uses. They are durable, dependable, and offer plenty of space for storage and expansion. While these building types provide a number of benefits, they can often be more expensive than other options such as wood or concrete. But what does that mean in terms of the price per square foot?

Generally, a steel building’s hard costs will run between $12 and $25 per square foot. These costs will include the foundation work, cement, steel, and the building shell. In addition, they will also include the roofing material and the HVAC system if necessary.

Other factors that can influence the cost of a steel building are the height and complexity of the structure. The latter is especially true for larger buildings with trusses or multiple floors. These types of buildings require more skilled labor, and they will have higher costs than a simple four-walled garage.

It’s important to understand the hard costs associated with a steel building before making any final decisions. This will help you avoid any surprises down the road, and ensure that you get the building you need at a reasonable price.

Depending on the industry, you may need to add shipping and receiving doors, ventilation, skylights, or insulation. These extras will add to the overall cost of your steel building, but they are also a good way to customize it for your specific needs and reduce energy costs.

The labor costs for a steel building will vary based on the size of the project and how experienced the crew is. Typically, it will take less time to erect a steel building than a traditional wooden construction. Smaller buildings can be built in a couple of days, while larger structures will take only a week to assemble.

Cost of Site Preparation

Unlike many traditional construction projects, much of the work for steel building installation is done offsite. The plans are engineered beforehand and the materials are prefabricated in a warehouse prior to being transported to the construction site. This reduces overall construction time, but the quality of the build and longevity of the structure depends on how well the site is prepared for construction. The initial steps in this process include clearing the land, laying a foundation, and obtaining necessary permits. These costs can vary depending on the local conditions and should be included in your budget.

Clearing the site involves eliminating any obstacles that could hinder the installation of your steel commercial building. This includes removing any buildings or structures that are currently standing, as well as locating and eliminating any underground infrastructure. This step is crucial because it ensures that all workers will have full access to the building, which can make the entire process significantly easier and faster.

Once the site is cleared, the grading process can begin. This process involves removing the loose soil and wetlands, then grading and stabilizing the ground until it is level and ready for foundation installation. During this process, you should also take the time to check the location of any utilities that will be run through your property and obtain the appropriate permits. This will prevent any potential issues down the road, including problems with your water or electricity, and may save you a lot of money in the long run.

The next step is preparing the foundation for your metal building. This can be done in a couple of ways, including using a concrete slab or a ground mount. It is best to consult with a professional before you decide on the type of foundation that you will need for your steel building. The professional can help you determine what type of foundation will be best for your building, based on the climate, soil type, and other factors.

Once the foundation is in place, you will need to get the proper permits for your steel building. This is essential because failing to do so can result in expensive citations or fines. This process can take up to two months, so it is important to plan accordingly.

Cost of Assembling or Erecting

Obviously, the price of materials is one major factor that influences steel building prices. The actual cost per square foot is influenced by the size of the building, as well as other add-ons like windows, doors, insulation and reflective roof panels. In addition to that, the location of the building is important because zoning and code regulations can affect the overall cost.

For example, if the building is in an area with high wind loads, the engineering and construction of the structure must be modified to withstand those conditions. This can affect the price of a building significantly.

Another significant factor is the current price of steel. This is because the price of steel fluctuates based on a number of different variables, including tariffs. If the price of steel goes up, so do the costs of constructing a steel building.

It is also important to consider any erection-related expenses when estimating the cost of a steel building. The cost of erecting a building can be influenced by several factors, including where the building is going to be raised, how complicated the design is and whether it requires a foundation. It is generally a good idea to have the building erected by an experienced crew rather than trying to save money by doing it yourself.

In many cases, the erection of a steel commercial building can be completed in less time than other types of construction. This can save the customer a lot of money in labor and material costs. It is also possible to complete the erection of a steel building by using a crane, which can help to save money as well.

Steel buildings are popular for a wide range of applications and industries, such as manufacturing facilities, retail stores, warehouses, car dealerships, and even offices. They are also highly energy efficient and can reduce utility bills by up to 25%. They are also incredibly durable, able to withstand extreme weather conditions and natural disasters.

If you are interested in purchasing a steel building, it is important to understand all the expenses involved so that you can make an informed decision. By reading this article, you will have a better understanding of the typical price for a steel building and will be able to determine if it is right for your business or industry.

Innovative Residential Building Designs

Innovative Residential Building

Innovative Residential Building Designs

The way we construct our homes is changing. The buildings we live in need to not only look good but also work hard to have a positive – or at least neutral – impact on their environment.

This home by London-based Vine Architecture Studio is an example of a fabric-first approach. Using craftily repurposed materials, it enables a new visual permeability while incorporating renewable technology.

1. Automated Architecture’s Robot-Fabricated Home Extension

A home is the cornerstone of our existence, a sanctuary where we find rest and relief from the outside world. It is where we feel most ourselves, where we can be our most authentic selves and share intimate moments with family and friends. That is why it is important that residential building designs strike a delicate balance between function and aesthetics. They must be spacious and comfortable, but also fit into their natural surroundings in a harmonious symbiosis. This year’s iF Design Award jury was impressed by innovative ideas for residential buildings that achieve this kind of symbiosis with nature. Clear structures, strong lines, and balanced color concepts characterize these impressive concepts.

This sustainable residential building was designed for a family of musicians, who required extra space for their cellist and double bassist to practice and play. The designers created a modular system of timber elements that can be easily assembled to form a versatile extension of the existing house. The solution is easy to transport and assemble, reduces construction time, construction waste, and pollution, and is highly customizable to suit different sites and needs.

This project uses a computational design tool to provide users with the ability to interact with an architecturally embedded robotic system for in situ spatial reconfiguration. It explores the need for design at both the production and building operation level, arguing that architectural fabrication systems must be architecture specific and informed by structural, environmental, assembly, and operational considerations.

2. SOM’s Shenzhen Rural Commercial Bank Headquarters

The design of buildings should be a balance of functionality and aesthetics. Ultimately, a building’s best design is one that seamlessly integrates with its surrounding natural environment – a concept demonstrated in these innovative residential designs that won the 2021 iF Design Awards. Designed by SOM, this Shenzhen tower features a diagrid structure that blends with the surrounding landscape like a living extension of the building itself.

The architects of this Shenzhen project drew inspiration from feng shui, an ancient Chinese philosophy that incorporates the principles of water and air into the design of buildings. This is evident in the multistory water wall at the building’s main entrance, the undulating striations of marble that clad the elevator core, and the mixed-mode natural ventilation system. The vertical atria that span the height of the building allow for fresh air to be circulated to the office spaces and common areas, and employees can control their own access to these vents with louvres on each floor.

SOM’s external steel diagrid resembles an exoskeleton, and it serves as both a structural support for the column-free offices inside and a solar shading element that reduces glare by 34 percent. At the base, the diagrid widens to frame views of a nearby public park and Shenzhen Bay.

Sustainable practices were an essential part of this design from the beginning, with a focus on reducing embodied carbon, minimizing energy consumption, and using locally-sourced materials. The diagrid’s structural optimization reduced the use of steel and stone, while an integrated SFCU system and a “breathing” facade helped the structure consume 19% less energy than comparable structures. The architects also incorporated an acoustic screen to limit noise pollution.

3. Paper Igloo’s Passivhaus Home in Kippen

Mhairi Grant and Martin McCrae, of Paper Igloo Architecture, designed this self-build home to be Passivhaus certified. It is clad in Siberian larch and set within the historical conservation village of Kippen, near Stirling. This ’box in a box’ timber frame design was built over the course of several years on a modest budget. It is a stunning example of an innovative low-energy residential building design that works. It produces just 0.8 tonnes of CO2 per year, which is considerably less than the average UK house.

The house was built by the couple as their personal project, but it is also a case study to demonstrate how the Passivhaus standard can be applied to traditional houses. It is also on the shortlist for Scotland’s RIBA House of the Year 2022.

The Royal Incorporation of Architects in Scotland (RIAS) shortlist includes 14 projects from across the country. The other nominees include Reiach and Hall’s Glencoe Base Station, The Den at Tighnabruaich by Techinique Architecture and Design in partnership with Stallan-Brand, Konishi Gaffney’s MVHR-enhanced home in Glasgow, Moxon Architects’ Ostro Passivhaus in Kippen, and more. The winner will be announced on Channel 4’s Grand Designs next month. The winner will be eligible to receive the RIAS Andrew Doolan Best Building in Scotland Award and will be considered for the RIBA National Awards.

4. Harvard’s Science and Engineering Complex

Harvard’s 500,000-square-foot Science and Engineering Complex (SEC) sits just across the Charles River from its Cambridge campus in Boston’s Allston neighborhood. Its innovative high-performance facade and generous approach to collaborative spaces foster the translational innovation of its researchers, who work on visionary projects including flying and swimming microbots, wearable robotics, data privacy tools and novel drug delivery platforms.

Designed to be a “vertical version of Harvard Yard,” the SEC is surrounded by two glazed, multi-story atria that serve as a social hub for faculty and students. The atria are clad in a layered facade that calibrates the scale of the research boxes beneath, creates an identity for the complex and plays a critical role in its energy performance and occupant comfort. The lower floors of the SEC contain large, open laboratories where researchers can collaborate in teams to design, test and refine their inventions. Each laboratory is paired with an open studio for teaching and discussion, further promoting collaboration among researchers.

To achieve its ambitious sustainability goals, the team at Behnisch incorporated water-based heating and cooling systems that use one-third of the energy of air-driven alternatives, a large, double-glazed, sun-shading façade that reduces solar gain at glazed openings, a green roof and five acres of vegetated terraces. The SEC’s atria also feature commissioned art installations by Brooklyn-based artist collective BREAKFAST, including their signature Flip-Discs, which serve as electromagnets to capture and replay thousands of interactions between passersby.

In addition to being ranked the healthiest building on Harvard’s campus, the SEC is LEED Platinum and has earned Living Building Challenge (LBC) Petal certification in the categories of Beauty, Health, and Equity, demonstrating that it can be used as a model for other buildings to achieve LBC’s rigorous requirements for healthier materials free of harmful chemicals.

5. Hilda Solis Care First Village

The Hilda Solis Care First Village (formerly known as the Vignes Street Interim Housing Project) provides 232 housing units and onsite services for people who are experiencing homelessness or are transitioning out of the homeless population in Los Angeles, California. The site was formerly a parking lot, and the campus is located on four acres near Union Station, the city’s main public transportation hub.

Solis’ office partnered with the County of Los Angeles Department of Public Works to choose Bernards, a local employee-owned construction management company, and NAC Architecture, a local design firm, to build the HSCFV campus. They used a component-based approach to deliver the project on an accelerated schedule. The 132-bed residential buildings consist of three story shipping container homes that are assembled back-to-back for a continuous length without expansion joints. Each of the structures is insulated and fitted with individual heating and cooling systems to provide residents with comfort in harsh LA weather conditions.

Unlike previous projects that use bunk-style arrangements to accommodate multiple people in a single space, the CSCFV structures were designed to include private bedrooms for each occupant. NAC worked closely with the building team to ensure that the designs were implemented in an efficient way, which reduced overall cost while allowing for each resident to enjoy some privacy and personal space.

The CSCFV is named after Los Angeles County Supervisor and Board of Supervisors Chair Hilda Solis, who was raised in the community of La Puente and served in Congress from 2013 to 2021. Solis is an outspoken advocate for women’s issues, LGBTQ rights, and the environment. She has lobbied to get the Exide battery plant cleaned up and has spoken out against gentrification in downtown LA.