Monday, 6 May 2019

Chichen Itza | Walk around El Castillo | Pyramids


Enjoy as we take you on a journey around the impressive Chichen Itza (El Castillo). This is 1 of the 7 wonders of the modern world.
While the world was immersed in the Middle Ages, the Mayans built this majestic city, primary political centre of the Mayan Region. Its icon #ElCastillo, a pyramid dedicated to the god Kukuclan, is a testimony of this important culture's impressive mathematical and astronomical precision so important that it is named by UNESCO as 1 of the 7 wonders of the world.
The 91 steps on each side of the Pyramid and 1 on the altar add up to 365 steps, the number of days in 1 year.


Enjoy the video of the walkaround below:


Friday, 12 April 2019

Download Microsoft Office (Almost Free) | Microsoft Home User Program

In this post, I will be sharing with you how to get the latest and authentic Microsoft Office packages for PC/Mac at an unbelievable price in six simple steps.

This is subject to eligibility. You can get up to 94% off RRP.

Steps:

  • Visit https://www.microsofthup.com/
  • Select country if prompted then enter your organisation email address e.g. kelvin@createdbykelz.com
  • Check your email box to see if you've been authorised
  • If authorised you will get the following message. Congratulations! You are eligible for the Microsoft Home Use Programme through 'COMPANY NAME'. We’re excited to provide you with preferred discounts on Microsoft products.
  • Click link in the email to return to the Microsoft HUP website
  • Make your selection of yearly subscription or one time download  and save up to 94%


Watch the video below for visual demonstration:


Thursday, 11 April 2019

Visit Dubai | Love from Dubai






Visit Dubai and explore the Desert Safari with Dune Bashing and drifting. We got wet in the Jumeirah beach and was in awe of the beautiful architecture and engineering of this modern city.

Sunday, 12 August 2018

Help to Buy : Winners and Losers


The Help to Buy Scheme

The UK Government Help to Buy scheme was probably created with good intentions. The scheme was meant to deliver millions of new AFFORDABLE homes and help hard working people to purchase their first home.

Who are the winners and the losers?

According to www.helptobuy.gov.uk , Help to Buy: Shared Ownership and Help to Buy: Equity Loan were introduced to help hard-working people like you take steps to buy your own home.

With the government's Help to Buy: Shared Ownership scheme you can buy as little as 25% or as much as 75% of a home and pay rent on the rest.

Help to Buy: Equity Loan makes it possible to buy a home with just a 5% deposit and up to 20% loan (40% if buying in London) from the government subject to eligibility.

Our focus will be on Help to Buy: Equity Loan. For more information on the Shared Ownership, visit the help to buy website in the links provided at the end of this article.

Help to Buy Equity Loan: Fantasy

At first glance, it seems really good that instead of getting a typical mortgage of 90% LTV meaning you provide 10% and the bank will lend you 90% of the property value, you can now provide a deposit of 5%. Thanks to your knight in shining Armour, the Help to Buy: Equity Loan Scheme.

In some sort of twisted dark fantasy, developers welcomed this idea with open arms and started overpricing new build properties which are the only properties you can purchase with the Help to Buy Scheme.

If things were straight forward, for simple mathematics and illustration purpose only:

You want to buy a property worth £200,000.

Instead of looking for a £20,000 deposit to combine with £180,000 loan from the bank, you can now buy with a £10,000 deposit with the option of getting up to £40,000 equity loan from the government (interest free for 5 years) reducing your borrowing from a mortgage provider to £150,000 and boosting your chances of getting an approved mortgage based on your earnings and credit history.




If you are keen on using the Help to Buy scheme and earn a decent salary accompanied by good credit history, you can put down £10,000 and get a loan of only £10,000 from the government and still get approved for a 90% loan from a mortgage provider. This limits how much you will have to pay back the government assuming the value of your property goes up (with equity loan you pay back same percentage of the property value you borrowed from the government plus interest after 5yrs of no interest, not the exact amount you borrowed).

The developers get to build and sell their new built homes,
construction workers get jobs,
economy grows.
Everybody wins including the government.

The above ideal case would have been lovely but it’s very far from reality.

Help to Buy Equity Loan: Reality


Scenario below is closer to reality.

Thanks to lack of regulation by the government, property developers knowing that the government can provide a 20% equity loan started hiking prices of new buildings.
Developers can now put a price tag of 240,000 on the same building and the only help you now get is help into more debt because the developers will reap most of the benefits as they’ve played you to have no choice but to get the 20% equity loan from the government and stretch your initial deposit to £12,000 (mandatory 5% of the property value) in order to be able to afford the purchase of your new home.

Although you only have to find just £2,000 more to add to your initial deposit to be able to afford the new home which might not seem so bad, you will be paying £40,000 more and owe the government and the mortgage provider more money. All the help to buy is doing in this case is helping you to get into more debt and you can guess it, in this game, you are the loser and this is a choice that most first time buyers have gone with. 

The first batch that took this route when the scheme launched in April 2013 are due to start paying back the interest on their equity loan. To read more about this, see useful links section of this article. 

How to Play Safe

It’s not all doom and gloom. To make the most of the help to buy scheme you have to make sure you are not overpaying for the property. Check price of properties in the area especially what people are paying for similar size (area, not room numbers) properties. Get developers to give up as much as possible. Some developers will offer to decorate the new home (worth thousands of pounds) and even pay stamp duty (no stamp duty for first homes less than £300,000) if you push them hard enough. That way you are getting a total package that’s more in line with the property value.

What's the Way Forward?


In order for Help to Buy to achieve what it was set out to achieve, the government will have to regulate the pricing of these new builds with help to buy eligibility. New homes should be affordable before they qualify for the Help to Buy scheme.
That way, innocent people trying to get on the property ladder will be protected from the claws of greedy property developers.



Email questions and comments to: kelvin@createdbykelz.com

Definitions and Useful Links


Help to Buy Scheme: Government scheme to assist those interested in buying new build to step on to the property ladder and in turn provide more homes in the UK.

LTV (Loan to Value): If your deposit on a £100,000 property is £10,000, since your deposit is 10% of the property value, LTV is the remaining 90%

Stamp Duty:
You must pay Stamp Duty Land Tax (SDLT) if you buy a property or land over a certain price in England and Northern Ireland.

For first time buyers, you can claim a discount (relief) so you don’t pay any tax up to £300,000 and 5% on the portion from £300,001 to £500,000.

Sources:


Useful links:

Help to Buy Equity Loans
What they are & how to pay them off:





Wednesday, 6 June 2018

Duomo Di Milano | Milan Cathedral

Follow our exploration of the magnificent Duomo Di Milano.

Name: Duomo Di Milano

Location: Piazza del Duomo, 20122 Milano MI, Italy.

Construction: 1386 - 1965 (renovation ongoing till date)

Transportation: Bus 73 from Milan Linate Airport (€1.50 for single journey)




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Wednesday, 11 October 2017

Poems About You (PAY)


Poems About You is dedicated to everyone that is in love, that has ever loved and that will sooner or later fall in love.
Love is a beautiful thing and it's a feeling we should all have the pleasure to enjoy in our lifetime.

This publication is packed with 24 heart warming poems that explores the beauty of being in love and the challenges and sacrifice that comes with that. Each poem is carefully written and easy to understand.  Please click on your desired format and distribution channel below.

iBookstrore

Google PlayBook

Amazon UK

Amazon US

Book Depository

Lulu Bookstore

ABOUT THE BOOK

Poems About You is a celebration of love and the challenges that accompanies being in love. This book compliments the emotions shared in my earlier publication 'Emotions and Belief'. I hope old readers and new readers alike will enjoy reading this book as much as I enjoyed creating it. This book is dedicated to the love of my life, everyone that is in love, that has ever loved and that will sooner or later fall in love. Love is a beautiful thing and it's a feeling we should all have the pleasure to enjoy in our lifetime. "And the Lord make you to increase And abound in LOVE one toward another, and toward all men, Even as we do toward you" -1 Thessalonian 3:12.



Friday, 29 July 2016

Emotions and Belief Fourth Edition



140 pages of Poetry and stories that touch is now available for your reading pleasure.
Please click on your desired format and distribution channel below.

iBookstrore

Google PlayBook

Amazon UK

Amazon US

Book Depository

Blackwell's

Lulu Bookstore

Okada Books


ABOUT THE BOOK

Emotions and Belief is a compilation of poems and short stories based around topics such as love, religion, emotions, romance, humour, changes and life style. The author of this book has been able to link all the topics mentioned above in a way that is easy to read and understand. This is not a typical poetry book; the structure which this book was written makes it very enjoyable and easy to understand. The poems in this book will definitely touch you and help you to get a deeper understanding of the link between your 'Emotions and Belief'.


Thursday, 28 July 2016

Olympic Games- Rio 2016


Lay the foundation of the arena with bronze,
And make the track with silver lining.
Mark the finish line with gold
And amplify the loud roar of the fans,
Cheering our golden boys and girls to victory.


Hold your breath for the 100m final,
And watch every stride of the fastest men on earth.
Be blown away by the routines of the gymnasts,
And the endurance of the marathoners.



Feel the splash of the water,
As every swimmer swims
And all rowers row,
Even as the sailors sail.


Gold, silver and bronze, we want them all,
As no effort of the competitors will be in vain.
To compete in the Olympics is not a joke,
So for those without medals,
Keep your heads high.



Sunday, 21 February 2016