Rocio Illumini – Twinkle Twinkle Little Star, Sawrovski’s Like Diamonds, That’s What They Are

Rocio Illumini is an exciting new brand of high quality rhodium plated silver jewelry, with each collection named after the stars, this elegant brand is made with ENLIGHTENED (TM) Swarovski Elements. All collections have been created by British designers for exclusive distribution by CL Edwards & Sons.

The included range of jewelry set called Rigel, Alcor, Aquila, Eridani, lalande, Polaris, Capella, Cassiopeia … Each design is designed to unleash the star in yourself. With the fantastic sparkle unleashed by the use of illuminated sawrovski in each design, you will shine like a star on any occasion wearing Rocio Illumini.

Jodie Prenger, who plays Oliver Musical’s ‘Nancy’ fame, has been seen multiple times wearing Rocio on multiple occasions.

Alberto Platz – Swarovski

“Since the launch of ENLIGHTENED (TM) – Swarovski Elements 2008 brand, Rocio Illumini has been the first fully developed jewelry brand in Europe designed with our ingredients.

A high-quality brand that will initially appear in select retail stores in the UK and Europe, including full point-of-sale displays and luxury packaging that will establish a new era in branded silver jewelry. “

So hot on this year’s holiday sparkle list should be the Rocío range. It brings more than a little sparkle to this year’s party. Sparkle and shine in style this holiday season with a little Rocio Illumini. With a complete set of necklaces, earrings, rings, and bracelets available in all 8 designs, you can be in heaven with all of your swarovski jewelry. Enlighten is probably the best word for this range and you really won’t believe they are not diamonds, the cut on these lab created stones is fantastic.

Rocio is available at more than 150 special outlets in the UK. But you can also buy online.

How to choose cabinets for your bathroom

Equipping your bathroom exactly to your liking is one of the joys of owning your own property, as all the different accessories and features that you can add here make it not only a highly functional space, but also one that is pleasant to spend time in. time.

Whether you like to spend a lot of time soaking in a bubble bath while enjoying the ambiance set by your stone floor and relaxing lighting options, or instead, you need plenty of space to store the hundreds of products that you and your great family need to conserve. In this space, there are many ways to make this room exactly what you want it to be.

Choosing bathroom cabinets is an important part of your interior design, and it is crucial to consider several factors before making your furniture selection. The first of these is the practicality of the cabinets you are thinking of investing in.

You will want to choose bathroom furniture that is durable enough, especially since these items will be installed in a room that is presumably used a lot and often gets wet from all the water in this area. Therefore, you need to choose furniture that can withstand moisture and a lot of wear and tear.

There are many different materials that you can use for this, but one of the most durable is natural wood. Bamboo cabinets in the bathroom are a great idea, as it is not only a stylish option, but also extremely durable. It is also a good idea to choose furniture whose frame is made of high-quality plywood, as this will ensure that it will withstand heavy use.

Although wood like plywood or bamboo cabinets in a bathroom is a great idea when it comes to durability, it is important to ensure that items are fully protected from moisture damage by using a varnish, lacquer, or coating.

Some of the cheaper products on the market offer a thick coating, but this also has the disadvantage that it can be unattractive and also risks cracking and peeling with use, allowing moisture to enter the interior of the wood. of the product. Instead, you could pay more for a natural wood product that has a thinner but relatively strong clear coat.

Many bamboo kitchen and bathroom cabinets feature natural water-based lacquers that can withstand deep cleaning and a lot of contact with moisture. However, you should always check with the manufacturer or retailer to ensure that the furniture you choose is suitable for the environment in which it will be installed.

Once you’ve considered practicality, it’s time to spend some time thinking about the style you want in this important room in your home. Bamboo cabinets in the bathroom are a great option for modern or contemporary interiors, but they are certainly not the only option you have.

If you prefer a naturally darker, more traditional wood finish, consider investing in American cherry, Canadian maple, oak, and birch for your interiors. These woods have different attractive appearances ranging from very traditional to modern and unusual. Many of the major retailers will supply them in a selection of tints and finishes.

You can also go for drab colors like white, black, and red, which can look exceptional in kitchens. Although there are some wood products that come with siding like these, check to make sure the material of your cabinets is durable and waterproof enough, as mentioned above.

There are many factors to consider when buying bathroom cabinets, but the two most important are practicality and visual appeal. Choose something that suits your taste, be it glossy black synthetic or natural bamboo wood, as well as your daily needs to find the winning combination.

Hydrogen Cars – No Gas, No Diesel!

What’s the first thing you think you want when hitting the road, especially if you’re stuck in traffic? Blame it on the world’s love affair with fuel-starved SUVs. The use of hydrogen and fuel cell technologies is a key part of reducing greenhouse gas emissions and addressing climate change. Fuel cell systems offer promising technology for the future with benefits including zero emissions, high efficiency and minimal noise.

–No global warming … no depletion of the ozone layer … no acid rain … and a 100% pollution-free environment – is the utmost necessity to save our environment. I believe that God has been kind enough to accept the endless prayers of all of us. Don’t joke man! You’ve already answered that through the scientific genius that Hydrogen Car has developed … It’s a lightweight hydrogen fuel cell powered vehicle with enough style and room to compete with luxury sport utility vehicles (SUVs).

These cars generally use hydrogen in one of two methods: combustion or fuel cell conversion. In combustion, hydrogen is “burned” in engines in much the same way as traditional gasoline cars. In fuel cell conversion, hydrogen is converted into electricity through fuel cells that then power electric motors.

What’s more, you want to ask about hydrogen cars … These hydrogen cars come in the clean, “green” future envisioned by energy experts, the cars not only get 99 miles per gallon emission-free, but which can also play a key role in providing electricity to an energy-starved world.

The vehicle developed would be three to four times more expensive than the conventional two or three-wheeler and the operating cost would also be higher. But as the technology develops, the cost is expected to drop substantially.

Governments around the world are helping fund hydrogen development research using renewable sources instead of the current reliance on coal or natural gas. It is also produced as a by-product in the chemical and fertilizer industries.

The new 5KW hydrogen fuel cell vehicles will usher in a new generation in fuel cell technology. The hydrogen needed to power these vehicles can be produced by means that would reduce dependence on oil supplies and thus provide energy security. By emitting only heat and water as by-products of this process, fuel cell systems are environmentally friendly and can run continuously as long as fuel is supplied. Each recharge currently gives around 70 km of mileage. Attempts are also being made to increase the mileage of the hydrogen vehicle to 100-150 km per recharge.

Hydrogen cars use hydrogen derived from water as the main source of energy for locomotion. British Columbia’s leadership in the development of hydrogen and fuel cell technologies is based on a commitment to develop the world’s first hydrogen highway in time for the 2010 Olympics and Paralympics, “said Richard Neufeld, Minister of British Columbia Energy and Mines.

R. John Efford, Minister of Natural Resources of Canada. “By working together, we can ensure that Canada continues to be known as a world leader in the deployment of these technologies.” The Government of Canada has invested $ 4.5 million in this project. No global warming or ozone depletion, renewable, no acid rain, 100% pollution free.

In India, the Ministry of Unconventional Energy Sources (MNES) is hoping to have hydrogen-powered vehicles on Indian roads by 2007, and International Tractors Ltd (ITL) has agreed to go into commercial production. “With ITL, which manufactures Sonalika-brand tractors, having agreed to undertake the commercial manufacture of two- and three-wheeled hydrogen vehicles developed by Banaras Hindu University (BHU), we hope to have them available by 2007,” said SK Chopra. Senior Advisor at MNES. BHU has been using 50 demonstration vehicles on its campus for the past few years. While the development of affordable hydrogen fuel cell vehicles using renewable energy sources remains a goal for a large number of countries, including India, the vehicle developed by BHU uses metal hydrite or solid rods to store hydrogen, a environmentally friendly fuel. The ministry has finalized the hydrogen roadmap which forecasts India to generate 1,000 MW of power and one million hydrogen-powered vehicles on the roads by 2020 with an estimated investment of Rs 2.5 billion. The roadmap will be part of the integrated energy policy being finalized Reva Electric Car Company Pvt Ltd (RECC) and Indian Oil Corporation (IOC) will develop two hydrogen fuel cell vehicles (FCV) for a pilot project initiated by IOC , to develop hydrogen economy in India. Under the agreement, RECC will use its expertise to build these hydrogen vehicles with fuel cell power modules and associated components to be sourced overseas and the IOC will provide the necessary infrastructure to supply and store hydrogen and test the vehicles at its Center. Research and Development. (R&D) in Faridabad.

Balloon business offers a fun and simple 6 figure income

It is by far one of the best kept secrets when it comes to home business.

A balloon business is recession-proof, offers a 6-figure income, is fun, and has one of the highest success rates of any home-based business in the country.

A balloon business is one of the strongest home-based businesses in America that can be started with very little money and allows you to earn significant income in less than 30 days.

Let’s work with facts.

There are many markets in which you can work with a balloon business, each market offers a 6 figure income. You just decide which market or markets you want to work in.

Let’s look at some of those markets:

Balloon decorations:

The fact is, high schools still spend an average of $ 2,000 to $ 3,000 on balloon decorations for their graduation parties. Graduation jobs are very easy to come by, and graduation committees have many fundraising activities that can make huge profits from these jobs.

Weddings of the last 10 years have been geared more towards decorating balloons with bows, centerpieces, runways, hearts, and much more. The average wedding decorating job now averages over $ 2,300.00.

The good thing about balloon decorations is that the demand is much greater than the supply. Competition is very limited, and when the right marketing techniques are in place, it is very easy to dominate the local market.

This is the tip of the iceberg as there are many more decorating needs including:

  • Office parties
  • Birthday parties
  • Radio and television banquets

With just the above markets, the median income for a balloon decorating business is $ 135,000.

The best thing about this business is that it is very simple to learn and very easy to get started. But there is more, much more.

Character deliveries add an average of an additional $ 112,000 per year to your pocket. No, you don’t have to run around dressed up as a clown or a bear, but you can, or you can, hire the people you need to do these huge-income jobs.

Let’s take a look at some of the characters who deliver balloons for all kinds of events:

  • Police Officer – This one can be fun.
  • Gorilla
  • Teddy bear
  • Belly dancer
  • Clowns

Well laugh, the fact is that in most parts of the country balloon companies are paid for a teddy bear to deliver balloons and sing happy birthday an average of $ 65.00 for five minutes of work. Even if you are hiring someone to do your work, you are making a very good profit.

This market generates balloon companies on average $ 112,000 per year.

Belly Dancing will run an average of twelve jobs per week with an average job of around $ 95.00. Even after paying the dancer, the balloon company makes more than $ 35,000 a year from this character alone.

Valentine’s Day is a $ 3,000 to $ 4,000 day. Even with the right people on site, you won’t handle all the jobs they require.

During the holiday season, Santa is hired on average thirty times for at least two hours per job for various business parties. At $ 110.00 per hour, and paying Santa $ 25.00 per hour, the average balloon business gets a very significant Christmas bonus.

There are more, balloon sculptures, balloon drops, just to mention a few. People will not stop spending money on their children’s birthdays. Office parties? Balloon companies do more than 20 jobs per week with birthday parties in companies. Everyone brings in $ 5 or $ 10 and has a belly dancer or teddy bear for lunch. It is fun and very profitable.

Some people decide to simply work in one aspect of the many markets mentioned above. Since each market represents a six-figure income, it makes sense.

It is a business. When you get over that and realize how much fun this business is and how it can afford you and your families tremendous income, you realize that you have one of the strongest businesses in the country.

Even in a recession, people continue to spend money on their children, proms, parties, weddings, and much more.

The balloon business also offers an incredible opportunity to start on a small budget and earn huge income in the first month or two.

Bartering with radio stations (who host banquets for your clients every week) allows you to generate very solid income almost immediately. You are paying pennies on the dollar for advertising while your competition is wondering who you are and how this happens.

In today’s economy, there aren’t many businesses that can drive your revenue growth. Balloon companies are exploding, and for good reason.

Creative Baby Game: Newborn to 6 Months

New parents are bombarded with information about parenting their children. What diapers to wear, whether to breastfeed, and how to make your babies smarter. Millions of dollars are spent each year on products designed to make your child smarter and more alert.

But nothing compares to parent interaction to help a child grow and learn. Talking, singing, and hugging all play a vital role in your child’s development. So does playtime.

From the moment your child is born, he is curious about the world around him. Every experience is new, from the feel of your blanket to the sounds that surround you. And each new thing helps you make the connections that will help you grow and learn.

When my children were babies, they loved to play and interact with me. Any game made them smile and laugh. They were eager to play with me. I did too.

Because newborns are still getting used to their surroundings, be sure to watch your child for signs of overstimulation. If your child begins to squirm or cry, change the activity to something calmer, such as cuddling or rocking.

So what kinds of games can you play with your newborn to help him make these connections? Make sure you choose activities that are appropriate for your baby’s age and will be as easy as 1, 2, 3.

From birth to 3 months of age

At this age, most babies do not move. They depend entirely on you to take care of everything, from food to travel. This is a great age to show your baby the world around him. Remember that it may take a while for your newborn to respond to your play. It is normal and does not mean that something is wrong.

What is this?

Newborns are fascinated with touch. Soft, rough, furry, everything interests them. Now is the time to put that wardrobe you spent a lifetime accumulating for a wonderful new use. Find the items in your closet that have the most diverse colors and colors. Silk, suede, velvet, faux fur, and cashmere sweaters are great choices. Let the baby experience each of them for as long as he wants. As you do this, be sure to talk to your baby, tell him what you feel and see.

Baby dancing

Music has charms to soothe the grumpy baby. While not all babies love music, most are soothed by it. So why not take advantage of that and try dancing with your baby? Find music that your baby likes, one that doesn’t make him sleepy. Turn it low and hold your baby, making sure to give his neck the support it needs. Then swing, move, jump, and just dance. It doesn’t have to be perfect as long as you hold and interact with your baby. If your baby doesn’t like to dance, he might like to see you dance. Exaggerated movements can keep your child’s attention and entertain him while he can dance.

Wow, look at that!

Babies love feeling new things. Their eyesight isn’t perfect right now, so they need to see things up close and personal. They find things we take for granted interesting. You can use this interest to introduce your baby to the world around him. The kitchen is a wonderful place to find a diverse group of things that your baby can look at and touch. Spoons, beaters, spatulas, fruits, and vegetables are different kinds of things that you can let your baby look at and touch to learn about your home.

4 to 6 months

Babies are more active at this age. They are learning to roll over and keep their heads up. By the sixth month, most babies are also learning to sit up. Here are some games for your age group, in addition to the above.

Bubble burst

Now that your baby’s eyesight is improving, it’s time to tap into most children’s love of bubbles. A great game to play when you are outside is Bubble Blast. A small bubble bottle and wand are all you need to entertain your older baby. There are even little bubble bottles, complete with a wand, that you can even keep in your diaper bag for those times when you’re out for long periods of time and the baby is in a bad mood.

Rocket baby

My two sons loved to fly. Zooming around the house, with me supplying power, elicited loud giggles from them. Playing Rocket Baby is simple; you just have to decide what kind of flying machine they will be. Airplanes buzz, rise and fall, and circle the room. Rockets fly low and boom toward the ceiling. Take off your child’s tail and you can’t go wrong.

Belly Furps

Babies love to be touched and tickled. One fun thing you can do with your child is the tummy. The way you give one is to breathe in, place your lips against your child’s bare belly, and blow gently. It will make a very funny noise and it will tickle your child. My boys still think this is fun. Again, be sure to pay attention to your child while playing. Stop if your child seems upset by this action.

Creative play is a wonderful way to bond with your newborn and older baby. And help him develop his social, emotional, physical and cognitive skills.

How much protein do we need?

How much protein does our body need? The body only needs between 25 and 30 grams per day. We need protein for healthy tissue, growth and repair, not as a source of fuel. Protein is made up of 23 amino acids. Of these 23 amino acids, 8 are called essential amino acids. These 8 cannot be manufactured by the body, so they must be supplied directly to the body through food. Protein cannot exist without the right combination of amino acids. However, fruits have their own protein supplement reduced to amino acids during the ripening process.

We are told that we need between 70 and 100 grams of protein a day. This definitely far exceeds the body’s need and is a source of many problems. If we eat too much protein, our body will become overloaded with the poisonous by-products of protein metabolism, which cannot be eliminated, resulting in gout, arthritis, and other degenerative diseases, such as arteriosclerosis, osteoporosis, accelerated aging, obesity, and definite acidosis. .

Think about it, a large bull grows to size on a plant-based source of protein, and so does the gorilla, the strongest animal by body index. They are both two huge animals. Do you eat meat for protein? We all know the answer.

So why do we as humans believe so strongly that we must eat meat for protein? I met people who were devastated when I told them that we should not eat animal meat. Your first reaction is, but what about our protein? We need to eat meat to get enough protein. Well, let’s see what we eat. About 5% of the meat of all animals consists of a waste material called uric acid that is normally eliminated by the kidneys of an animal. Uric acid is a human poison because it is not metabolizable. All carnivores (animals) secrete the enzyme uricase which breaks down uric acid so that it can be easily eliminated. Humans do not generate this enzyme, but instead absorb uric acid when we eat meat. As a result, the calcium urate crystals fall asleep and become concentrated in the joints, feet, and lower back.

The liver of men is smaller than that of a carnivore (carnivore) and because of this we cannot detoxify the poisonous products inherent in foods of animal origin very easily. Our kidneys are also small and get sick from overwork caused by a diet rich in animal protein. Another terrifying discovery was made that the beautiful red color of meat in most butchers and fancy chain stores may have been altered by using carbon monoxide combined with myoglobin to form carboxymoglobin, which is injected to enhance color and the freshness of the meat. And what about the hormones injected into the animals, annual inoculations against diseases. All of these chemicals go into meat, meat that you and I eat regularly.

So what is the alternative? Well, I love meat. I am South African and what can I say we love our meat. It is wise to think like this, definitely not, we need to make changes, unfortunately in life we ​​cannot do what we like, it is to our own detriment. So I need protein, where can I get it?

A complete protein is a food that contains all 8 amino acids. How can I make sure I get complete protein? Fortunately, we have a group of amino acids, which stores amino acids, so that as regularly as the body needs them to make proteins, they are available. This group of amino acids is found in the liver and the bloodstream. The amino group is like a bank that is open 24 hours a day. If our breakfast contains only 3 of the essential amino acids, which are not enough to produce the complete protein, these 3 are placed in the amino acid pool. During the next meal, we can eat 2 additional amino acids. These are also transformed into the amino acid pool. At dinner we can recover the 3 missing amino acids. Now the body has extracted from the set of amino acids everything necessary to form a complete protein.

Protein Sources: Fresh fruits, vegetables, nuts (unsalted and unroasted) seeds, avocados, sprouts, legumes, and unrefined grains provided us with the highest quality of protein in a form that the body easily digests and assimilates. It is not difficult to get the 25-30 grams you need.

The 3 Most Important Rules to Follow Your First Year in Law School

There are 3 rules that every 1L must follow if he hopes to survive!


Your first day in law school, you might get the famous speech that most law professors give. They will tell you, “Look at the person sitting on your left and on your right; one of them won’t be here next year.” In many cases, this is true to some degree. Class 2L is usually much lower than 1L. Students fail. Is it because they are stupid? NO! The biggest difference between passing your classes in the first year and failing them lies in your heart, not your mind! You are as capable of understanding the IRAC method as the boy / girl who sits next to you. The law is not difficult, it is difficult. You must have the drive to get through this initial process. This will take time to develop, so don’t worry if you think you have what it takes. Tell yourself you can do it, put your mind to it, be dedicated and you will develop what it takes to be successful as a 1L.

You need to develop stamina to be able to read and write for hours a day, consecutively. You need to be able to build solid outlines if that’s really your study method. Take your heart with you to law school. Oh, and don’t miss out on your 2L year either. Being able to study 8 hours a day after 3 hours of lecture will almost ensure your success as a 1L.


Make sure you are prepared for anything that may come your way. Don’t get sick the day before your exam; Get a flu shot! Don’t lose sight of the importance of exercise. Go to the gym! The most important thing is to make sure you read the assigned cases and be prepared to read EVERY DAY. This is essential. Your college days of partying on Thursday night and going to class on Friday morning with a hangover should be over. You are ready? Well, you better be if you want to stay in the game!


One of the most important lessons I learned in law school was gaining strength in the power of numbers. On day 1, you need to find dedicated people to befriend. A study group plays a vital role in survival. Find a group to help and encourage you to succeed! Of course, for those of you who prefer to study on your own, you can go ahead and do it too. However, I do not recommend it due to the complexity of the law. For example, if you don’t understand the concept of Juged thing, your partner can understand it. If your partner does not understand the concept of rumors, You can be an expert! It works!

You will soon discover that there are no guarantees in the law! However, if you follow these simple rules, you will find that you would be much better off with them in your war chest. Stick to these rules and it will reward you handsomely! Good luck on your journey, an incredible journey awaits you!

Systemic Candidiasis: Uncomfortable Symptoms of Systemic Candidiasis

Systemic yeast infection is a growing infection that affects more and more people year after year. The condition is an infection that affects many people without even realizing it, and they don’t know they have it until it is too late. Doctors have a difficult time diagnosing this condition, as symptoms tend to vary from person to person. Because there are actually no established symptoms for this condition, there is no way that doctors can diagnose it in its early stages.

There is a wide range of symptoms that are commonly associated with this infection. Associated symptoms include problems with the gastrointestinal system such as intestinal cramps, heartburn, constipation, chronic diarrhea, gas, or bloating. Other associated symptoms include chronic fatigue and this is especially after consuming food, depression, reduced levels of concentration, poor memory, rectal itching, muscle aches, and allergies including both airborne and food-related allergies.

There are other common related symptoms including impotence, prostatitis, memory loss, feeling faint and dizzy after eating certain foods, severe PMS, joint pain, acne, irritability, and recurring vaginal or urinary infections. All of the aforementioned symptoms can occur as part of the candida type of fungus, as this fungus can pierce the intestinal wall and allow toxins to seep into the bloodstream.

Once the toxins have escaped into the bloodstream, they basically start to poison the intestinal organs, including the liver and brain. The liver will be under pressure due to the volume of toxins that are transported through the body. Normally, when someone realizes that their body is suffering from systemic candidiasis, they usually do not feel well. Once you have systemic yeast infection, it is a long road to recovery and return to some form of normal health.

Food allergies tend to be another common problem, occurring as a result of food particles entering the bloodstream. In these cases, it is again very difficult to diagnose and it is also a very long road to recovery. In most cases, the only way to recover is to avoid the food that caused the problem in the first place.

Anti-candida diets are really the first step to returning to a normal life and this must be combined with an anti-fungal program. It is very common that both diets are also accompanied by a probiotic supplement. In some cases, the patient only has to follow these programs for a couple of months. However, in some cases people have to follow them for a year or even several years.

Systemic yeast infection is not impossible to treat, but it takes a lot of very hard work and also an immense amount of dedication. If you can follow these plans and stick with them, your health will see positive benefits and eventually you will begin to regain some normal state of health.

Train your dog to stop chewing on the leash

There can be a number of different reasons why a dog chews on your leash. Most of those reasons are due to the dog resisting you and your control or simply wanting to play. No matter what it is, it is annoying and you must stop if you want to train your dog to walk well on a leash.

The methods I discuss below try to make the leash taste bad, so that it is undesirable for your dog to have it in his mouth. Of course, keep in mind that patience is important when breaking this habit.

If your dog has already started this annoying habit, you will need to modify his behavior to eliminate the problem. The first method I always suggest is to soak the lower 18 inches of the strap with bitter apple. Bitter apple is a spray that is available in all pet stores and will deter your dog from its bad taste.

If that doesn’t work, I suggest you soak the bottom 18 inches of the strap with lemon juice. It seems that most dogs do not like the taste and will stop putting the leash in their mouth to avoid the taste.

Of course, there is always a tough dog who doesn’t seem to mind bitter apple or lemon juice, so we move on to my third option, which is spicy. Yes, you want to buy a hot sauce like tabasco, cholula, or any other hot sauce that comes in a bottle and is available at all grocery stores, usually where they have Mexican foods and spices.

One way to avoid this problem entirely is to start training your dog to tolerate the leash and enjoy early walks while still a young puppy. It seems that the longer you wait to insert the strap, the worse the problem will be.

There is no better way to establish a good pack leader attitude for your dog than to go for a walk. Taking the time to teach your dog to walk nicely beside you and not nibble or pull on the leash is something that will pay off with plenty of enjoyable walks. Taking your dog for a walk builds the master’s relationship and is something your dog will thank you many times over over the years.

Buy a house through the rent-to-own option

One of the best ways to buy a property at a price that is not influenced by market trends is the rent-to-own option.

What is rent-to-own?

Lease-to-own means is a situation where you agree to purchase a property at a future date, based on a value specified in the agreement, and in the meantime you live in the property on a rental basis. Other terms used to refer to this form of purchase agreement are lease-to-own or lease-to-own option.

What is part of a lease-to-own agreement?

The rent with option to buy is made up of two sections. One section details the terms of the lease and the other section has the option to purchase.

The lease section specifies characteristics such as the lease amount, the lease period, the date the amount is due, etc. In the purchase section, you can see the details mentioned about the opportunity to buy the property, at a specific time in the future along with the price.

What should you know about a lease with the option to buy?

In a lease-to-own agreement, three factors will apply. These are the rental premium, option fee, and rental credits.

The rental premium is an amount you must pay towards the down payment on the property. It is an amount that is a little more than the rent. Another thing that applies to the down payment is the option fee. However, you should note that the option fee is non-refundable, in case you decide at the last minute that you do not want the property. A rental credit is a portion of the rental payment that is also contributed to the down payment. This is added by the seller to the down payment each month.

Benefits of renting with option to buy

There are many benefits to a rent-to-own situation for both the buyer and the seller.

As a buyer, your profit due to changes in market value will not affect the price you pay for the property. So if prices go up, you don’t have to pay more, just the same amount that was put into the deal.

You make down payment contributions through rental premiums, option fees, and rental credits, reducing the total amount you must pay at the time of purchase. This is a real advantage for you when it comes time to pay.

Finally, if at the last minute you decide not to buy the property, you can. There is no binding option in the purchase. Although all the money paid for the down payment in such situations becomes a loss for you, you can get rid of a purchase, which you also think is not correct at the last minute.

Sellers benefit from having someone who will take really good care of their property, as they will own the property in the future. The seller receives money not only for the value of the home, but also in the form of rent, which is an additional source of money, until the purchase is made. In case the buyer finally decides not to buy the property, the money taken through the option fee, the rental premiums do not have to be refunded.

A look at the other side of the coin

As someone who enters into a lease-to-own agreement, you need to know the other side of this situation. As a buyer, you will lose your rental premium and option fees, should you ultimately decide to back out of the purchase. In the case of the seller, if market prices suddenly went up, he would be on the losing end, as the price set for his property would be significantly lower.