Experience Comfort and Leisure at Fair Price at Gracious Angeli Travel and Tours Hotel in Baguio

The Gracious Angeli Travel and Tours Hotel in Baguio is meant for those who want to experience comfort and leisure minus the exorbitant expenses. It does this very nicely and in more than an adequate manner.Rooms and RatesThere are 35 rooms available for guests at this beautiful two star hotel, with the rates beginning at Php 1,200 and not higher than Php 4,500 for the higher end types. Regardless of which you choose though, every single one of them comes with the necessities that you will need. These include tables, chairs, cozy beds, TV with cable, and showers equipped with hot and cold water.Amenities and AccommodationsThe Gracious Angeli Travel and Tours Hotel in Baguio has several amenities that visitors and guests can partake of, not the least of which is the KTV bar. This is the ideal place to hang out with your friends if you enjoy listening to music while having a few drinks. The wide selection of beverages available is another plus for this service.Another one of the facilities on tap is the function hall or multipurpose room, which is aimed for groups that need to hold conventions, seminars or conferences of some sort. Of course, given its name, one of its specialties is providing its guests with trips around the most interesting parts of the city. If you would like to go out on your own, you will see that it is also near banks, grocery stores and diners.Location and Contact InformationThe Gracious Angeli Travel and Tours Hotel is accessible from the 25 Abanao St. in Baguio City. If you are traveling in your own car, just look for the Maharlika Livelihood Complex or the Abanao Square.The hotel will be right there. If you are coming from Quirino Street, it is a stone’s throw from the police station, and about three blocks from the bus terminals and other public utility vehicles. Thus, if you ever feel the need to go around, you need not go far to get a ride. The fact that it is located very near to these places is an added attraction not to mention convenience.For more information interested parties may call telephone number 4425078 or 4422746. Their email address is [email protected] its fine service and proximity to restaurants and malls, the Gracious Angeli Travel and Tours Hotel in Baguio can be a gracious place to stay indeed.

Payday Loans Vs Bank Loans: Who’s the Real Villain?

Payday loans have been getting a bad rap lately for what some argue are outrageously high interest rates and predatory lending practices, however when payday loans and their costs are stacked up against the fees of traditional banks, a different villain begins to appear.The majority of payday lenders offer short-term personal loans that carry an average cost of between $12 and $22 per $100 borrowed. (a simple interest rate of 12% – 22%) The payback term is typically two to four weeks and the payments are automatically debited from the same consumer bank account that the funds were deposited into at the time of the loan. Opponents of payday loans argue that if the percentage rate on one of these loans is amortized over a full one year period, the annual percentage rate (APR) can reach or exceed 200%. Certainly an APR of 200% does seem outrageous, but that also begs the question of, “Why would opponents of payday loans- or anyone for that matter, attach an annual percentage rate to a loan that only covers a two to four week period?” We begin to see the self-serving purposes of the real villain when this question is answered.Most groups that are vehemently opposed to short term personal loans and the payday lenders who offer them are made up of large banks and other traditional lenders. They claim that they oppose payday loans in the interest of protecting American consumers. In reality, if we look at a typical scenario involving these so called “protectors” a different story takes shape.Let’s say for example that a consumer who has the average bank checking account runs short on cash and needs an extra $200 until the next payday in order to pay a couple of small bills or buy groceries for their family.The odds of getting a loan from the bank in less than 24 hours for even a small amount are slim to none, especially if the consumer in need has anything less than perfect credit. Without the option of getting a fast payday loan, the consumer may be forced to go ahead and write checks for those bills knowing that there won’t be enough money in the bank to cover them. Overdraft fees at most banks come in at around $35 per bad check and are automatically debited from the consumers account as soon as the next deposit is made. If that deposit is made after the end of the billing month, additional late fees may be added – further increasing the amount owed to the bank!Now let’s say the consumer had to write 3 small overdraft checks that total $100 to pay those bills, the $35 fee is a per check fee so if the consumer writes three overdraft checks that total $100, the fees the bank charges to the consumer would be $105 or $35 for each bad check written. (a simple interest rate of 105%) If we amortize that amount into an annual percentage rate – as the banks do – when they argue against payday lenders, the bank interest rate on overdrafts exceeds 1,000% annually before late fees are added.To make matters worse in this hypothetical bank account overdraft situation, the consumer will most likely be charged between $20 – $45 by the three vendors to whom the bad checks were written, therefore the cost for NOT having access to a payday loan climbs even higher. Additionally, knowingly writing a bad check is against the law and punishable by jail time in most states. Despite what the big corporate banks and their lobbyists might wish for you to believe, when we take an objective look at the real world it starts to become very clear that payday lenders actually offer a valuable service to middle and low-income consumers who otherwise have limited options with a standard bank account.American consumers need payday lenders. If there wasn’t a need for payday loans and it wasn’t a viable solution to an existing problem, the business would not be flourishing throughout the country. “Traditional banking institutions just don’t offer the flexibility and distribution of short-term cash loans the way payday lenders do… so it is an industry that has actually filled a void for many Americans – most of whom use the service wisely and effectively.” says William Janus, owner of three payday loan stores in Missouri.The argument for and against payday loans promises to continue and grow throughout the coming year and at the head of the pack opposing payday loans will most likely be those villains disguised as bank presidents who view the payday loan industry as encroaching upon their gluttonous profit margins that are conveniently hidden in overdraft and late fees. All the while they charge these outrageous fees in the name of “protecting” the American consumer.To protect yourself, make sure you are aware of any and all bank fees that you may be subjected to and if those fees are subject to being compounded or augmented by late fees and added interest. You can find payday lenders who are clear of any complaints with the Better Business Bureau or Federal Trade Commission by performing an Internet search for “best online payday loan reviews”.

Steps to Designing a Perfect Garden

Garden design is not just the ability to create a beautifully illustrated plan, although this is one of the many outputs of the garden design process and arguably the most exciting. A garden designer’s role is to find creative, practical solutions to the many technical challenges presented by an outdoor space. A good garden designer can make a garden that is useable and suitable for a specific set of requirements as well as being beautiful and a pleasure to spend time in.It would not be possible to describe fully how to design a garden in a single article. A great deal of training and experience is required to understand how to obtain the correct ratio of mass to void in a garden design scheme, or how to create rhythm in a garden design, or working with shapes to ensure the garden flows and feels comfortable to use. So, the following paragraphs outline major steps in the garden design process and I will go into more detail about each phase in separate articles.1. Decide on the requirements for the gardenBefore considering aesthetics it is necessary to understand the practical requirements for the garden such as how it will be used, by whom and who will look after it. Answering a series of questions is the best way to arrive at the requirements. These are the kind of questions that need to be answered to arrive at the requirements:-• How much time is available to look after the garden?• Will a professional maintenance company/garden be looking after the garden?• Will the garden be used by pets or children?• Does the garden need to cater for elderly or disabled visitors?• Will the garden need to cater for users with mobility problems?• Will the garden be used for eating and entertaining?• How many people will want to use the garden at one time?• Is the garden owned by a keen, knowledgeable gardener?The aim is to arrive at a list of requirements which forms the basis of the design process.2. Get inspiredExperienced garden designers know the value of regularly looking at all forms of art and architecture in order to keep their ‘visual vocabulary’ up to date and get inspiration for their designs. Inspiration can come from a shape in nature like an old, gnarled tree, an architectural detail on a building, a combination of shapes and colours in a painting, almost anywhere if you are looking with a creative eye.Look at materials, interior and exterior. Textures and patterns in wall and floor tiles, stone cladding, marble mosaics, etc are a great source of inspiration and can result in a piece of detailing that lifts the garden design scheme out of the mundane. Visit landscaping supply yards, reclamation yards and interior design suppliers like the Design Centre in Chelsea Harbour in London.Visit some gardens, look in gardening books and magazines, go to some garden shows like the RHS (Royal Horticultural Society) Chelsea Flower Show and Hampton Court Flower Show and look at the show gardens.3. Take the site surveyTake a thorough site survey and analysis. Measure the house including the position and height of all doors and windows. The survey should show steps, drains, manhole covers, chimney breasts, and anything else that will affect the final garden design.A garden is rarely square or flat. Use triangulation and offsetting to plot in the garden boundaries, and the location of all plants, garden features and buildings. Make a note of things outside the garden like overhanging trees or a fabulous view as they will affect the eventual design of the garden. Survey any level changes in the garden and mark these clearly on the survey.Take a soil sample for analysis. It’s important when planting to know what the ph level (acidity or alkalinity) of the soil in order to choose the correct plants. Some plants prefer a soil that is more acidic and others will only grow in a more alkaline soil. It is also necessary to identify boggy places, shaded areas and other potentially troublesome parts of the garden.A note must be made of what lies beyond the garden boundaries. If the garden overlooks a great view this can be used as part of the new design – this is called ‘borrowing’ the view. However, if there is something ugly outside the garden like a derelict building, or the garden is overlooked by neighbouring properties these will need to be screened out as part of the garden design.The site survey must be drawn up to scale, in ink on a piece of tracing paper large enough to show clearly the new design and put in labels – most gardens will fit onto an A1 sheet.4. Create the new designUsing the requirements and site survey the new design is created using a series of interconnected geometric shapes. The final design should create a pleasing picture on paper and each element that comprises the design should be the correct size for its intended purpose. For example, if the terrace needs to seat 6 people for dinner it must be large enough to hold a table of the correct size with room to pull out chairs so that people can sit down and stand up comfortably.The design must addresses any sloping parts of the garden. If flat spaces are required for lawns, seating areas, etc and the site is sloping retaining walls will be required -these should be shown clearly on the plan.The new design should be drawn to scale in ink on a piece of tracing paper. Everything must be labelled clearly including wall heights, paved areas, lawn, edgings, pergolas, planted areas, walls with their heights, water features.5. Choose construction materialsSelect materials for constructing each area and make sure these are labelled on the plan. There are many different construction materials available and these vary greatly in price and quality. Research DIY stores, garden centres, and landscape and building suppliers to find materials that suit the intended purpose, and fit the budget.6. Create the planting planA planting plan is required that shows the location, type and numbers of plants clearly labelled with their Latin names for each planted area of the garden. Planting should comprise a mixture of evergreen and deciduous shrubs, herbaceous plants and bulbs that will give a year-round display of colour and scent. The plants give the garden structure and that important quality of seasonal change.7. Create the construction planThe construction plan helps remove margin for error and ensure the garden is constructed correctly to a high standard. The construction plan is a technical drawing that shows contractors how to construct specific features in the garden such as steps, pergolas, fences and retaining walls. It should contain details of required paving patterns and sections showing how paving is to be laid, how footings for walls are to be constructed, how edgings are to be laid.8. Create the setting out planThe setting out plan is another technical drawing that enables landscape contractors to construct the garden accurately. This plan shows the dimensions and location of all features in the garden. The central point of any circular features such as seating areas and lawns will be shown as a measurement from a fixed, measureable point such as the corner of the house. This plan will also show angular dimensions, wall heights relative to finished paving height, and the finished ground level of any terraced areas.The setting out plan enables landscape contractors to quickly mark out the garden before they start building the garden. This allows them to check there are no errors in the design or survey and that the design will fit correctly into the space. It enables adjustments to the plan, if necessary, before construction work starts, thereby avoiding expensive mistakes further down the line.