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My work in miniatures began more for hobby and the challenge of wanting to recycle me as digital artist , thus being able to produce something more realistic, out of digital that is widely used today.
When it comes to personal projects, my mind mixing elements and various places details or memories, but more importantly I believe it is the care to recreate a proper atmosphere of the time or location. I feel extremely happy to have discovered this hobby which is a real therapy, giving me possibilities that other activities couldn’t provide.
Not content with its new logo, Yahoo is now pushing the personal homepage with the relaunch of My Yahoo. If you’re the kind of person who likes to be able to access everything in one place, the resurrected My Yahoo just may well appeal.
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Many of you may think that history is simply many dull political and military events, involving a bunch of old, boring, dead people, and that these events happened so long ago that they have little or no relationship to your own lives. One of Mr Hayes’ financial goals is to utilise the property he owns Mr Hayes wants to know how to make the best of the property he owns so he can buy a flat in London.
However, he is faced with the dilemma of whether to overpay the mortgage or to save towards a deposit. Ideally, he’d like to hang onto the Southampton flat as “future investment" which he estimates is currently worth between ?160,000 and ?170,000. He has let it out since February 2016 and his tenant pays ?900 per month. This covers his monthly mortgage repayments of ?535.
He is looking to buy a property built in the last 20 years that is closer to his work in Canary Wharf. He estimates he spends about ?500 per month on food and going out and has a gym membership which costs ?125 per month.
It’s realistic to assume that Edmund will be able to buy a flat in or around the London area in two years. In terms of his borrowing capacity lenders will work on affordability rather than multiples of income but as a guide you should be able to borrow around four to four-and-a-half times your income. As things stand Edmund doesn’t have a deposit available so his aim would be to reach a 5pc deposit level as a minimum. Ideally, Edmund would have a deposit of 10pc or more as that way he will have access to better interest rates.
Edmund has mentioned using his current property to raise funds is an option but possibly not ideal at this stage. Edmund should also be aware that now he has started renting out his property he will need to declare his rental income which is subject to tax at his marginal rate. While he is doing his tax return he should also look to be claiming his additional 20pc tax relief that he is entitled to on his pension contributions, being a high rate tax payer.
Edmund needs to be aware that Capital Gains Tax will be payable on the BTL if he decides to sell this at some point in the future. You get an annual tax-free allowance of capital gains that you can make each tax year before capital gains tax is charged. Edmund is a regular saver and should continue to do this after making his property purchase. The pension contribution level is good and he should continue with making contributions and building his pot, especially as he is a high rate tax payer and will be getting 40pc tax relief on the contributions. With the Southampton flat worth in the region of ?165,000, and with an outstanding mortgage of ?100,000 versus a ?66,000 income, Ed is well placed to raise money to help fund his London purchase. In the event that he does decide to sell, this would give him around ?65,000 to put towards the deposit, although he will have to allow for transaction costs for the sale of between one and two per cent, plus legal fees. Whether Edmund ploughs money into the Southampton flat by overpaying on the mortgage or saves his money on deposit instead, it will essentially yield the same result as any reduced outstanding mortgage will increase the equity and thus the deposit available after he sells or refinances the flat. However, as he is paying a relatively high rate of interest on the mortgage (4.16pc), reducing the outstanding balance as opposed to saving on a lower rate of interest at 4pc or 2pc as he is currently, might make sense. It is worth Edmund seeking tax advice but we think it unlikely that he would be advised to set up a company in which to own the property as most standard buy-to-let lenders will not lend against property in this structure and those that do will charge a much higher rate of interest. If Edmund wants to keep the flat he also needs to know what the maximum rental value might be.


Buy-to-let lenders now stress test their rental coverage more strictly on a high loan-to-value (LTV) lend, so the amount of debt that can be taken against the property does hinge on its value as well as the rental income. If the ?50,000 inheritance from his gran came through, it might be possible  to purchase a flat to live in and keep the Southampton flat, refinancing it in two years when the fixed rate expires. On his current salary he may be able to borrow ?297,000 (?66,000 x 4.5), allowing for a purchase price of ?370,000. Edmund's outgoings seem fairly normal for someone in his situation with current rent costs not relevant as far as his future mortgage position is concerned. His current saving plan will yield him a total pot of ?17,400 plus any accrued interest, which will go a long way to covering the stamp duty that he will incur on a London purchase. Edmund will also need to factor in costs for two mortgage transactions if he wants to retain the Southampton flat, so a good lawyer, broker and surveyor will be required. You must be willing to be photographed for the article, which will appear online and in the paper. Your current investments (please provide as much detail as possible about your holdings and their value as a percentage of your overall portfolio.
Setting HUGE impossible goals, can and will ruin your want or need for goals, that maybe important during your life. Similarly, setting goals that are easily achievable and do not make stretch, are also detrimental and may adversely effect your career growth!!! Queen of Your Own Life is an attitude, a way of life and a call to action for grown up women everywhere. At first there were many doubts about almost everything that was related to this universe, as measures in scale, paints, techniques and means to achieve that authenticity that I watched in the works of other artists. I like to try to recreate something that had its own history and was put aside for a while.
And widgets are what it's all about -- widgets to display email, news, weather, news feeds, headlines and more.
The reality is that each of you has a personal history that is affected by the times in which you live.
To begin, you should do some research about important events that have occurred during your lifetime. First make a rough draft of your project, carefully following the step-by-step directions below to create the final copy of your personal timeline. A decent ?33,000 salary plus a ?15,000 gift from his grandmother led to a ?37,000 deposit on a ?147,000 flat in Southampton. He says while his Victorian conversion is “nice to look at”, he would prefer a home that did not have “creaky floorboards and thin walls”. He puts ?400 per month into a Lloyds account which pays 4pc and ?200 a month into another which pays 2pc.
He will have the option at this point to look at using equity in his current property but it’s worth noting he would probably be able to do this without that too. Based on his current savings, if Edmund were to buy a new home in the region of say ?300,000 he could build up ?15,000 in two years. Using the above example, with a 10pc deposit, then the monthly repayments would be ?1,065.42. With two years still to run on his current fixed rate deal there is a sizeable early redemption penalty.
By overpaying on his existing BTL mortgage, and therefore paying off some of the capital, he is essentially going to be creating more profit, which will be taxed, so perhaps one argument to continue with his savings over the next two years. The CGT calculation is based on when the property changed from a residential into a buy-to-let.
This may also be tax efficient as he will be getting less relief on the income from this source than he used to. At the current level the maximum equity he could extract from the property would be an extra ?23,000 on top of what he currently has. However, if he retains the buy-to-let as well he will face a bigger stamp duty bill of ?19,600, which he will need to factor into his calculations.
If Edmund's salary increases over the next couple of years the good news is that his borrowing power will increase with it. The fact that I have built a solid career as a designer over 20 years only brought benefits when I decided to venture as miniaturist, 6 years ago.


The lack of information at the beginning made me adapt to various techniques that fortunately leaded to new results.
I like these styles because they have so many details when it comes to textures and colours. The personalized portal is something that had virtually died off, but Yahoo is keen to dust it off, give it a polish and entice people back into using it. My Yahoo never really went away, it just faded into obscurity and everyone forgot about it. There's nothing new to shout about, just a new look that Yahoo is keen to share on its blog.
These can be important events in history in general or you can research important events in a subject area that you particularly enjoy like art, sports, or music. These can be milestone events like beginning school or events that helped you become who you are today.
After you have the draft completed, make any necessary revisions to content or graphics, making sure that your work is correct and complete. Be sure that each drawing and label is placed by the date on your timeline that matches the date the event actually occurred. Be sure to include social and cultural events as well as political, economic, and military events. He also anticipates future inheritance - approximately ?50,000 from his 91-year-old grandmother when she passes away. Any funds that he may inherit could also add to this or pay down a lump sum off his residential mortgage.
If he does sell the buy-to-let property, Edmund will need to declare this on his tax return.
If he is able to build up additional savings then he could consider investing for more medium term goals he may have.
If we pick you, we'll have our trusted financial experts give you practical help and tips on how to reach your financial goals. But when a client requests a themed diorama, I try to follow faithfully their characteristics in reproduction. Personally, I believe that the greatest difficulty is to simulate an environment which existed in the past or still exists today.
Leaving the scene cleaner without human figures I end up expanding the imagination of those who are watching, because the possibilities are numerous when it builds a story with just the scenery. Be sure to color your drawings and to use your best printing or cursive when you label the events. Although you can always retrace your steps, you might not have the time, opportunity, energy or resources you once had when you could have made your goals happen one by one. Try to find at least one important event for each year you have been alive, so that you have a lot to choose from when designing your timeline. As an enthusiast and collector of vintage cars and antiques along with my father that I believe to be the main source for teaching me the history and beauty of these things.
You may use books, the Internet, and your parents as resources for your research, but verify that your information is accurate. We often have to correct our course but at the same time keep a focus on our vision or dream. And like almost everything is practically done by hand, I’d be lying if I told you that there is something easy to do. Why not change the look of your own My Yahoo with a theme from your favorite band (or brand)? That is why everyone must develop the habit of the daily motivational in as many forms as being effective to stay focused.



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