Some folks are putting their tiny homes on trailers, so can use modular homes that are already built and move it around. Need to check on homeowners insurance for a home on a trailer. A good website that talks about this is www.living small.com It’s a change in lifestyle, but may be worth it. If building you may have to check subdivision restrictions as many have a minimum square footage. LET THE BAINS KNOW AT 903-571-2191 HOW THIS WORKS FOR YOU!
you must DECLUTTER and MINIMIZE. No room for collections in a tiny house. Many like the idea of this to get rid of the clutter in their lives. Helpful to utilize “built in” options for furniture & appliances, such as a Murphy bed & walk-in shower.. Modern technology is a help as you can now listen to music, read books, do research, work, watch movies, communicate with family friends, etc. with as little as an Internet-capable flat-screen TV that hangs on the wall, or a laptop, a tablet or even a cell phone. Another website to look at is tinyhousetalk.com CONTINUED IN A FEW DAYS
The tiny house movement is more than just living in small spaces. It’s a lifestyle and a philosophy. It’s a tool to re-evaluate your life and make conscious choices to live more simply. Extreme tiny-house advocateS set 200 square feet as the size, but 500 to 1,000 or 1200 square feet is more realistic. First you have to declutter and minimize to begin the process. Many websites, but found this one easy to be useful and easy to use: smallivingjournal.com MORE COMING IN PART 2
Fees for making banking transactions are changing as well in the new era of electronic funds transfers. Bank-to-bank transfers under $10 are free through one new startup fee service, Dwolla. Larger transactions are charged a flat fee of 0.25 cents, which is cheaper than an envelope and stamp. Electronic payments allow businesses that once could only handle cash transactions, such as vending machine operators and individuals selling services (manicurists, shoe shiners, typists), to accept payments using applications added to their Smartphone. All of these procedures with allow us to be more familiar with on-line banking as PAPER CHECKS ARE TO GO AWAY BY 2016. We will see won’t we!!
Concurrent with the increase in electronic banking is an increase in e-commerce. When Amazon.com originally launched it online service, the company accepted payments by check. That service was dropped in 2008, without any negative effect to Amazon’s revenue. Jon Moore said community banks will continue to require a focus on customer service through relationship management and person interaction, “but most customers today greatly appreciate and expect the convenience and ease of conducting their banking transactions via mobile banking, online banking and bill pay, even for those who write checks”. THE TREND WILL CONTINUE and part 4 coming up in a few DAYS.
The improved processing system, with faster payment processing, is providing a huge benefit to consumers and businesses, estimated to be around $2 billion a year. All this from the passage of the CHECK 21 ACT after 9/11. The total number of written checks is slowly dropping according to Jon Moore, Senior Vice President for Citizens National Bank in Tyler. Some businesses do not accept credit cards, due to the average 2% to 4% charge for the service, but will likely continue accepting checks till they are not available. At the current pace, many industry analysts predict 2026 as the year targeted for paper checks to go away completely. CONTINUED IN NEXT BLOG