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6 Factors to Decide between Self and Professional End of Tenancy Cleaning

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Letting yourself out of tenancy comes with a lot of responsibilities and paperwork. The most significant task is to handover the well-maintained property to its rightful owner. It is not a one-day job; cleaning must be a routine work for the residents. Any sort of ignorance may end up inexorbitant expenses. You would do well looking for cleaning services Chicago.

Whatever daily methods you apply for cleaning the premises and property, the end of tenancy cleaning (EOT cleaning) needs to be done by the tenants before they move out the property. Any disagreement about the cleaning quality of property can lead to complex disputes. This may become a ground for a subsequent amount of deduction in the tenancy deposit money.

Now the dilemma is, whether to choose self-cleaning or approach the professional EOT cleaning services. Well, the expense amount can surely be the deciding factor here, but it is not the only consideration to be made. You can evaluate the decision based on the following grounds.

Bird-eye view of the property

This refers to taking a broad view of the present condition of your rented property. Large impact damage like breaking of furniture or appliance, color markers on walls, torn off carpets, damage to wooden floors, etc. cannot go unnoticed and will cost a fortune to the property owner. But if there are no such prevalent conditions, the simple cleaning and maintenance can be done by tenants themselves.

Time duration of the tenancy

In shorter tenancy period, there are hardly any major instances of uncleanliness or depreciation. With some personal help, it is more reasonable to self-clean the spaces & furniture. For if you are living for a longer period, the wear and tear is of considerable amount. To save yourself from tiring effort, it is best to look for EOT cleaning companies which offer different types of commercial cleaning services.

Number of helping hands

If you have supporting hands from family and friends, cleaning can be fun. There would not be any second thoughts about choosing the self-cleaning option. You just have to think how you can make end of tenancy cleaning a hassle-free task.

Size of the property

The size of the property can be a single factor which lets you to quickly dial professional cleaning company. The bigger the unit is, the more complex it will be to provide satisfactory self-cleaning. Properties with large area and furnishings require a planned cleaning checklist so that every nook and corner of the house remains shining.

Your affordability

Just as large property size compels you to go for cleaning company services, lack of affordability in terms of money will let you pick up cleaning cloth yourself. In such a case, it will be convenient for you if you start early with cleaning, instead of keeping it for last few days of your tenancy period. But if you are experiencing health issues while handling the cleaning supplies, switch to professional cleaning in no-time.

Contract clause

It is a law that no landlord can force tenant for professional cleaning. Mutual understanding plays a role here and lets you decide better. For example, if you asked the owner to professionally clean the property before you moved in, the owner may ask you to do the same when you leave.

Abovementioned factors help in making a quick decision. This ensures that tenancy should end on good terms instead of sour disputes which will cost more expenses and above all, broken relationships.

Tips for organising a financial roadshow

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Any business – especially startups – need to seek a source of investment actively. It is a rare situation where investors hunt your business down ready to push cash into it. So, there needs to be an effective way to position your value proposition in front of these find these investors and get them to back your business. To get potential investors to give you their time, you must stand out. One way to do this is through organising a financial roadshow. You hit the road and go from location to location showing all your business has to offer. To present your business in the best light during these roadshows, you must plan meticulously. To help get you ready for the road, here are a few handy tips:

Choose whether to hire an agency or plan in-house

Organising a roadshow is not cheap or straightforward. Whether you decide to plan it in-house or hire an agency will depend on the availability of staff who can devote their time to preparing a plan. There are benefits to both methods. Planning in-house gives you more control over how the roadshows are conducted. Hiring an agency removes the stress of planning from your staff, but it can be expensive. You also have less control over how the roadshow is organised. These are some things to think about before your roadshow. 

Be smart about logistics

We are going to point out the obvious. A good idea when planning a financial roadshow is to make sure you go where the investors are. If you are looking for potential investors in London, you need to go to London. Don’t expect anyone to come to you. At the same time, don’t neglect your home market where your business is situated.

As well as choosing the most sensible cities to go to, you also need to pick the right venues for your roadshows. Selecting prestigious venues doesn’t automatically mean your roadshow will become more successful. When choosing a site, consider who you are trying to get to invest. Sometimes a smaller, humble venue may be a better place to connect with potential investors. Consider your budget. What can you afford? And be sure to make any bookings well in advance to give you a head start when you need to make unforeseen last-minute changes.

Be economical but not tight

You may think that getting staff to travel in economy and stay in cheaper hotels will save money and benefit the business by keeping costs down. But, a team who travels and sleeps comfortably is a team that is fresh-faced, satisfied, and ready to make the best pitch. Spending that little bit extra to ensure your team is comfortable is worth the results brought about by enthusiastic and energised staff.

Driven Worldwide is the only specialist global provider of chauffeur services for financial roadshows. We want your team to travel in comfort and style so you can get the best possible results from your roadshow. That is why we are trusted by some of the biggest names in the banking industry to deliver over 10,000 roadshows every year.

Trading CFDs

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One of the most popular trading financial instrument today in the UK and many other parts of the world is contracts for difference (CFDs). They have unique properties that make trading very different. This uniqueness coupled with complexities of the CFD products also requires the traders to understand what they are getting into to avoid losses and disappointments. With CFDs, traders can profit both from rising and falling markets. This they can do without owning any assets. To understand this complex trading, let us first understand fully what trading CFDs is.

What are CFDs?

CFDs are more of a betting financial industry where traders and investors speculate on the direction the share price will move. They also speculate on the direction of the financial products, extent of the price changes, currency movement changes expected. In the UK alone, there are over 90 CFDs firms that serve well over 100,000 customers in the UK alone and another 400,000 customers and more from across the globe.

Regulated by the rules set by the European Union, CFDs investors can take on trading which are much larger than their investments. These might either offer very huge returns to their customers or leave them open to risks of encountering immense losses.

In other words, CFDs is a contract between brokers like Saxo UK and traders where there is an agreement on the entry and the exit prices of any underlying asset. The same contracts can speculate the forex markets and bet on assets such as oil, precious metals and indices. Investors are at an advantage of choosing the currency they want to trade in in CFDs and choose their own increment values. The calculation of the loss and profit derived from these trading is the difference between the prices, both entry and exit and then multiplying the number they get by the CFDs units used.

How CFDs work

When a CFD asset value rises after a trader buys it, then that means the trader has made profit on the asset. If on the other hand the asset decreases its value, then this is a loss for the trader. Before the start of any trading, the trader will only predict the price performance but have no control of which way the process move. If for example you are a trader and believe that a certain forex currency will be on the rise, then you look for a CFD broker and enter into a contract. You then agree to buy a certain amount of the forex exchange at a certain fee. The broker will require a certain fee from the trader in order to enter into the contract. If the forex increases in value as anticipated, then the trader sells it and gains as [profit. If it loses, the trader goes at a loss too. In some cases, the loss may exceed what the trader deposited to begin with.

Types of CFDs

Stock Indices

Trading on stock indices allows trading on various products without minding about the distances. This means you can trade US500, UK1000, NAS100, and GER30 and so on. All the trading is on real time prices. Trading in stock indices with no minimum distance, gives better advantage with no commissions added to the required margins.

Commodities

These can be liquid commodities within the following markets such as Metal, agriculture, energy, emissions and softs.

Single Stocks

These are stocks like google, apple, Barclays, amazon and over 8000 other single stocks from across the globe.

Bonds and forex

There are no commissions when trading in bonds and forex.

Advantages of CFDs

The advantages of CFDs to a trader are

Leverage

Traders gain from leverage given by brokers on CFDs. These can either be extremely high or less high advantages. Leverages allow more profit from small amounts.

Very little capital required for investment

Because of the advantage offered by the brokers, CFD trading is both flexible and cheap. All you need especially if you are trading in stock is a share of the stock you are trading in as the minimum capital.

Wider selection

Trading in CFDs, gives a wider range of what to trade in. there are stocks, forex, currencies, cryptocurrencies and commodities.

No commission charges

When trading with CFDs, you do not have to pay any commissions.

Disadvantages

  • They are a risky business because they are more of bets than anything else is
  • They are over the counter derivative, which means, the deals are between the traders and brokers and in some countries, and these deals do not go through regulations.

Geek Chic – The Rise of Contactless Payment Wearables

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After contactless payment chips started popping up in bank cards and smartphones, it was never going to take long before someone with a little more fashion sense started putting them into wearables. As a result, we’ve now reached that previously unimaginable situation where geek and chic come together. Say hello to the contactless payment wearable.

The technology behind this latest trend are NFC (near field communication) chips which have three perfect features for contactless wearables: they don’t need their own power supply, they’re incredibly secure and, most importantly, they are small enough to embed into things.

One place where payment wearables have made their mark this year was at the PyeongChang Winter Olympics in South Korea. High profile sporting events are the ideal location for big name brands to launch innovative products and it was the team from Visa who went for gold with their cleverly practical contactless payment gloves.

Winter Olympics are necessarily cold, so gloves are a fashion essential. However, they also make it annoyingly difficult to pay for things. Using cards or smartphones is anything but simple with padded fingers, however, if the contact payment chip is built into the glove itself, it makes payment much easier.

Working with their South Korean partner, Lotte Card, Visa managed to produce a wearable that fulfilled three functions exceptionally well: keeping hands warm, being on-trend and making payment easy. By embedding the NFC chip into the fabric, all customers had to do was place their hand near the payment terminal.

It wasn’t just gloves that Visa put on show at the Olympics. Also on the catwalk were contactless pin badges and stickers. Perfectly designed souvenir items, these featured the PyeongChang Olympic logo and, like the gloves, let customers spend prepaid sums at participating venues. The flexible and thin adhesive stickers proved very popular as shoppers could stick them to anything they wanted, such as scarves, purses, watch straps and jacket cuffs.

Perhaps surprisingly, the origin of payment gloves was not in hi-tech South Korea, home to technology giants Samsung and LG, but back here in Blighty. They were first trialled four years ago by Barclaycard as a way to let consumers pay for items even when their hands were full of shopping. Although an innovative move by Barclaycard, it was probably too early to be successful. At the time, the contactless infrastructure was less developed and consumers hadn’t really taken the technology on board. Today, things are much different.

Indeed, the UK is leading the way when it comes to fashionable contactless wearables. Take Kerv, for example. This ultra-smart, Mastercard payment ring, made from scratch resistant Zirconia, has been getting a lot of press attention recently, perhaps most notably from gadget guru, Jason Bradbury, the well-known face of Channel 5’s Gadget Show. He was so enamoured by it, he wears it as his wedding ring.

The UK has everything in place to be the world leader in contactless payment wearables. We have a wealth of innovative young designers, we’re home to many of the companies that want to issue contactless solutions, we have the celebrities, media and events to launch the products and, underpinning all this, we have a well-established NFC industry, with companies such as Universal Smart Cards, that can supply the technology. In fact, NFC-enabled bracelets, necklaces, key fobs and phone cases are already widely available. As are NFC wristbands, which are very popular for access control and contactless payments at festivals and events.

What will turn geek chic into high street fashion, however, is when contactless wearables begin to appeal to fashion brands. It might not be long before the next Wimbledon champion is seen wearing contactless wristbands that sport an iconic logo. Before you know it, every kid in high school will be using them to pay for their Maccy Ds.

Geek chic will grow as more payment card companies link up with fashion houses and big-name brands to make contactless wearables part of our everyday gear. This collaboration is on the cards: contactless spending grew by 80% in the UK last year and giving customers practical and fashionable ways to pay is only going to increase the number of people who adopt this technology – especially the younger generations who are more tech savvy and fashion conscious.

Wrapping up

The great thing about contactless payment wearables is that they are fun. They make carrying out a financial transaction practical, convenient and, in an odd sort of way, enjoyable. We enjoy wearing the gear and we enjoy the unique way in which we pay for things. As contactless payment becomes the standard way to pay, on-trend wearables will be the method of choice for many.

Surgical Procedures Decline but boob jobs Still Boom

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Statistics released by the British Association of Aesthetic Plastic Surgeons (BAAPS) reveals that overall surgical procedures are in decline, but boob jobs are booming and still remain the most popular cosmetic procedure.

 According to BAAPS President and consultant plastic surgeon Simon Withey, the slight downturn in cosmetic surgery procedures demonstrates a ‘normalisation’ as the British public are now more aware about the serious impact of surgical procedures:

“The 2017 BAAPS audit offers valuable new insights into the extent that Britons online personas may be driving offline behaviours. The slight downwards shift in surgical procedures, overall, hopefully continues to demonstrate that at the very least, patients are realising that cosmetic surgery is not a ‘quick fix’ but a serious commitment.”

While overall surgical procedures are in decline, the number of breast augmentations remain perky with 8,238 carried out in 2017 (up 7%), making it the most popular cosmetic surgery procedure.

Over the last few years a number of high-profile celebs including ex-Geordie Shore star Vicky Pattison and Big Bang Theory’s Kaley Cuoco have made no secret about going under the knife to enhance their busts.

Alex Little, a spokesperson from Boobjobs.co.uk says “With more celebrities and Reality TV stars continuing to undergo breast augmentations, and making their decision to do so public knowledge, it has helped to contribute to the growth in the demand for the procedure”

 Breast enlargements typically cost between £3,500 and £5,000, and with many clinics offering low interest finance plans, they can be paid for in monthly instalments– much like purchasing a car on finance.

6 ways to avoid M&D failure

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Why Mergers and Acquisitions Fail

Mergers and acquisitions (M&A) can be extremely exciting for the organisations involved.  If you still don’t know what they exactly are maybe you should check out this Wall Street Prep M&A guide before delivering deeper in this article.  The promise of a more productive future, bigger profits or simply a more dynamic and varied offering to clients are all tempting incentives to enter into a deal. But statistics show that 50 percent of M&As are unsuccessful, so why do so many fail? Here are six mistakes to avoid when considering such a huge step.

  1. Remaining ignorant

The old epithet ‘ignorance is bliss’ sadly doesn’t apply in this situation. In fact, the more you can find out about the other business in advance, the better. Commercially sensitive information can’t be exchanged, but there’s plenty of information that can be found prior to day one – enough to keep your legal team and tax accountants busy for weeks. Don’t waste time waiting for the regulatory authorities to give you clearance – find out what legally permissible facts you can in the interim.

  1. Insufficient resourcing

The team requirements for M&A are often underestimated. Freeing up people to form part of your integration team can take months, depending on their role and whether temps need to be found to cover their work. Many companies begin this process too late and aren’t ready to hit the ground running when the deal is complete.

  1. Poor communication

CEOs and directors often forget that M&A deals have a big impact on staff. There may be worries and rumours circulating of redundancies or management changes, and these are best handled by providing transparent messages on a regular basis. Be clear on why the merger or acquisition is taking place and what it means for your employees, and be available to address any queries or concerns that arise.

  1. Lack of courage

The thing about an M&A deal is that someone has to step up and take responsibility for the difficult decisions. Sometimes, moves have to be made that disappoint people – whether that be the staff or the shareholders – but they need to be made nonetheless. Making such decisions in a timely manner and with clarity and honesty may be painful in the short term, but it gives those who don’t find the direction your business is taking appealing chance to move on.

  1. Weak leadership

In many respects this is related to the need to have courage. A successful deal needs a strong leader in whom the employees and board can place their trust. It needs someone willing to dig that bit further, stand their ground when necessary, and communicate effectively. Appointing someone who isn’t up to the job can result in dramatic failure.

  1. A poor strategy

A poor strategy is just as likely to threaten the success of an M&A deal as is the appointment of the wrong people or inadequate due diligence. Before entering a deal, decide what constitutes success, both within the first year and longer term. Then plan your strategy accordingly and review it regularly to ensure everything is on track.

Why Fine Wine Could Be a Better Investment Than Property

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The British slang term “safe as houses” was coined for a reason—-property investment has always been seen as the most secure, risk-free way to make money. That’s why Credit Suisse’s recent survey has been so shocking to many in the industry. Observing 118 years of figures from a variety of investments, the survey concluded that, “Equities, not housing, have been the best long-run investment, contrary to  recent claims.”

The best performing among those equities was fine wine, showing a 3.7% appreciation, year on year. For contrast, the quality-adjusted real capital gain on worldwide housing was only 2% per year over the same period.

Whilst wine, like property, is susceptible to boom and bust periods, it still appears to be a more profitable and risk-free investment than real estate. And it is not just fine wine’s value that makes it an outstanding investment; there are several reasons why it could be a better overall investment than housing.

Fine wine is easier to buy and sell

Purchasing and offloading property is often painstakingly drawn out for buyers. In order to purchase property, you need to do research, agree a price with the seller, find a solicitor, apply for a mortgage, and carry out a survey. All of this usually takes weeks of legal proceedings, and it can all be for nothing if the seller changes their mind. The selling process is similarly prolonged. Sellers need to choose an estate agent, find a conveyancer, ensure the property is in the right state to be sold, and negotiate with a buyer.

Investing in and selling wine is relatively simple in comparison. Whilst you will still need to undertake substantial research before you buy, the process is much easier overall. That said, it is still imperative that buyers take due care when investing in wine—you should make sure the wine you buy will age well and increase in value.

Or you could invest in a wine fund as an alternative, where a fund manager takes on the buying responsibility on your behalf. Selling wine is also much simpler than selling property. There is no need to sit through drawn out legal proceedings, and there are numerous companies that will value your wine and sell it on for you. All you need to do is ensure that the wine is in the right condition to sell. The London Wine Cellar’s fine wine valuation guide suggests making sure your wine’s label is readable, that its the capsule doesn’t have holes in it and (ideally) that it is kept inside its original wooden case. While these specifications represent a best case scenario, your wine could still be valuable even if it has minor flaws, so it’s still worth getting it valued professionally.

Fine wine is more straightforward to look after

When you buy a bottle of wine, you can leave it untouched in the proper storage conditions for years and watch it grow in value. With property, it isn’t that easy. Renovating, refurbishing, and even general upkeep can take time, effort, and money—-as can the responsibilities that come with being a landlord should you choose to rent out your property.

With wine, it’s just a matter of correct storage. Keeping your bottle at the right temperature, and making sure you don’t expose it to too much light should be all it takes to preserve a bottle’s condition and flavour. At its most difficult, this can involve using a climate-controlled cellar. And if that proves too difficult, you can always have your wine stored in a cellar by professionals. Wine cellar types vary from traditional underground cellars to modern temperature-controlled rooms, each designed to preserve and age wines effectively.

Since fine wine is easier to buy, sell, and look after than property, it already seemed like a better choice of investment to many. Now that it has been proven to increase in value at a quicker rate, there’s an even stronger case to be made for fine wine being a much better way to spend, and earn, your money.

Benefits of getting insured

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It’s in the nature of life to not know what the future holds for us. This can be a good thing, but it can also be a bad thing in and of itself. Sometimes the future holds pleasant things for us, and sometimes not so much. So, this is the main reason as to why getting insurance is so important. If we were to put it in lay man’s terms, insurance is like getting a guarantee that you will be paid if something were to befall you. There are a few different kinds of insurances that you need to have in mind.

Health insurance

First of all – the most important thing of all – is your health. And as luck would have it, sometimes we may need to go and see the doctor. Luckily, most of the doctor’s visits are for relatively insignificant things. But sometimes we may need to see the doctor for an important thing.

Now, if you have the monetary means of most people – you know that it can be a big deal to go and see the doctor. You may have to pay a lot of money for various surgeries or medical examinations or medical drugs. Well, this is exactly where health insurance comes into play. No matter who you are or what the current state of your health is, we advise you to get health insurance.

This will cut the cost of many of the most frequent doctor’s examinations and surgeries and medical drugs by a big margin. So, now it would be a cinch for you to get regular medical checkups because they will be relatively cheap. And as we all know – an ounce of prevention is worth more than a pound of cure, so you will be able to prevent and treat potentially serious illnesses if you go on frequent medical checkups. And this is where health insurance comes into play.

Landlord insurance

If there is one other kind of insurance that’s also important – even though not vitally important – it’s landlord insurance. You may never know what kinds of people you will have to deal with in life. If you’re a landlord, then it’s very important for you to get landlord insurance. Of course, different insurance companies will give you different quotes when it comes to this type of insurance. Your job is to do some research and do a landlord insurance comparison with the purpose of getting the best deal your money can buy.

This will help cover you in the case of the person using your property defaulting. It will cover you in a few other cases as well – and we believe that it’s very important for you to get landlord insurance if you own any kind of property.

In conclusion

There are many different kinds of insurances that you can get. You could decide to live life on the wild side and not care at all about getting insured. But if you wish to keep things safe, then you need to invest some money in getting the insurance that you need.

There Is More To Bitcoin Than Investing

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Many people think that the only thing you can do with Bitcoin is investing, by purchasing some and then selling them on later at a profit. However, Bitcoin is having much more of an effect on our financial world, and there are many different uses for the cryptocurrency and the blockchain technology behind it.

Shopping Online With Bitcoin

As cryptocurrencies become more accepted, so larger online retailers are accepting Bitcoin as a method of payment. At Overstock, you can pay with Bitcoin for laptops, TV’s, bedding, and anything else you can buy from them. Expedia, one of the worlds largest online booking agencies, PizzaForCoins, Reeds Jewelers, and even Microsoft are among the many that will now accept Bitcoin for online payments.

If the site you want to purchase from does not accept Bitcoin, check to see if they accept eGifter gift cards. If they do, like Amazon, for example, you can buy a gift card with Bitcoin from eGifter and then use it to pay the retailer concerned.

Playing Online With Bitcoin

There are now several online casinos that will accept Bitcoin for deposits, and some players prefer these because the blockchain technology allows completely anonymous game play if required. You have to make sure you are playing the right games to remain completely anonymous (and not take the sign up bonus) but then it is up to you if you would prefer to remain unknown. A good example is Playamo, which has more than 1,000 casino games available to play in Bitcoin.

Also, when it comes to collecting your winnings, you usually have the choice of being paid in Bitcoin or cash.

Paying In Store With Bitcoin

If a café, store, or anywhere else you need to pay displays a sign saying they accept Bitcoin, it’s very easy to make your payment. All you need is an app on your smartphone, which the trader scans; the transaction is instant. There is no waiting for the payment to leave your wallet or for the trader to receive it in their account. Even better for the trader is the fact there is no middleman taking their cut in fees, which is just one of the reasons more high street stores are accepting Bitcoin as payment.

The Ups And Downs Of Bitcoin

The value of all currencies can fluctuate on an hourly basis and Bitcoin is no different, but it can be easily monitored on a bitcoin era automated platform.  Bitcoin hit the headlines at the end of 2017 because its value had risen to more than double what the experts had predicted but then it dropped and leveled out to a more realistic value. At its current market value of almost $9000 dollars (25 April 2018), it represents a good investment for anyone who purchased them some time ago and will continue to be so for the foreseeable future as more businesses use Bitcoin to replace cash. The more useable this digital currency becomes, the more valuable it will be; not just for investors but for all online and physical stores that accept it as payment from their customers.

5 Small Tips That Will Make Your House Look Bigger

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Feeling like you’re running out of space? If you wish to make your house look more bigger and less cramped, check out our easy and affordable hacks below to get the most out of your space without moving any walls.

1. Multifunctional furniture

When it comes to choosing the right furniture for limited spaces, many homeowners face the same question – what size and form should they go for? The key to making a small home feel comfortable is investing in furniture that fits the apartment’s dimension and serves multiple purposes – such as storage pouffe or fitted wardrobe. It’s also important that you pick the right surface such as see-through plastic or glass, which help with reflecting light and boosting the sense of space. You can take some help from “painter and decorator london” for refurnishing your home along with decorating it in the best way.

2. Declutter

In small place is crucial to have things organised and free from any clutter – it only takes a pile of paper to overwhelm a smaller space! Unfortunately, if you’re living is a little flat you can’t just throw the unnecessary crumbs into a spare chamber – instead, you might want to think about renting a unit with your local self-storage provider.

3. Let there be a light

To make a small space feel bigger, utilise the right lighting strategy as small rooms with little light may give you a claustrophobic reaction. To open up your room a bit don’t rely on a single source of light in the centre of the room and use multiple lamps instead to create layered lighting design.

4. Statement piece

Owning a small place doesn’t mean you have to sacrifice the home décor you want, as going for the fearless statement pieces can also help with boosting the space. For example, choose the boldly shaped and hued sofa instead of multiple chairs which will not only generate a “wow” factor, but will also help to control the clutter.

5. Use mirrors

Mirrors are probably the most important accessories you should pay attention to when decorating a small space. Expanding walls, amplifying light, illuminating dark corners – they can be used to solve any design dilemma. They can also create an illusion of depth and space, so don’t be afraid of placing a large mirror in a tiny space.

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