The Benefits That Families Can Enjoy From Mortgage Brokers

Make a Small Home Seem Big No Comment

When you think about mortgage brokers, your mind immediately switches to the image of you buying a home with the help of a mortgage.  Some mortgage brokers however do much more than just finance home loans.  Families can now enjoy a lot more benefits from mortgage brokers like Mortgage Brokers 24/7 who offers a great variety of options that they can enjoy for greater financial freedom and reduced stress levels.  Here are just a few things that this mortgage broker firm can do for you;

Get a personal loan and save money

A personal loan through mortgage brokers can help you save up to 20% more than you would have if you used your credit card and you can choose a longer term of up to 15 years and enjoy a budget friendly monthly repayment free on your loan.

The Benefits That Families Can Enjoy From Mortgage Brokers

Finance new gear for your home business

There aren’t many mortgage firms that are willing to support businesses because it is a much higher risk than property investments but luckily for you, Mortgage Brokers 24/7 does.  You can enjoy great financing for your company expansions, gear, and debtors and perhaps even receive financing for business overdrafts so you can do business more effectively.

Buy a home

Of course you can buy a home with the help of a mortgage broker who will even offer you different loan types such as SMSF loans where your employer is held accountable for the loan or principal and interest loans that offers lower principal and interest rates if you pay the home off quicker.

Buy a second or third home

You can even buy a second or third home and become a property investor with the help of this broker.  The main reason why mortgage brokers love buy-to-let property is because it is much easier and the risk of these types of mortgages are much lower than any other loan type and home owners can benefit from the investments for the rest of their lives.

Get a second mortgage

A second mortgage on your home is risky because the interest is much higher but it is still a great way to get your hands on some cash that you can use for renovations or home expansions.  You can also use a second mortgage to cover other loans and enjoy a lower interest rate.

Get an offset account

This is a feature that can be added to a home loan package. With your offset account, you can deposit savings and use it as an everyday account.  The balance of the account only gets subtracted from your account.

Enjoy redraw facilities

Did you deposit too much when you paid your mortgage?  Well with the redraw facility, home owners can deposit as much as they can in order to get their homes paid off sooner but with one great difference; you can also redraw some of the money that you have saved up whenever you need it.

Mortgage Broker 24/7 offers the lowest possible interest rates and you can customize your packages by extending your loan period so you too can afford much more at a lower rate.

Tips on Keeping Pigeons Away From Your Home

Unusual spot on the roof No Comment

Pigeons may seem like an unassuming species of bird that could do no harm if you’ve only encountered them from time to time in your day to day life, however once the problem is closer to home causing damage and mess around your property you’ll quickly realize that isn’t the case and the first thing you’ll want to do is get rid of them as quickly and humanely as possible.

Largely damage comes in the form of droppings whether that is on your property or onto your vehicles and garden. Not only does this cause visible damage but also poses a massive health risk, pigeon droppings can carry any number of dangerous diseases.

Thankfully because this is a common problem there are plenty of quick and easy ways to rid your property of these pests and get back to normal in no time which we’ll discuss below.

Tips on Keeping Pigeons Away From Your Home

Removing the food source

The first step is prevention, which involves keeping your property clear and free of garbage, and food waste that can attract birds as they primarily target homes which have a constant food source.

Not leaving out bird feeders, or other animal feeding items, or bread for birds to eat to would be an obvious prevention tactic. Keeping garbage a good distance from your home before it can be collected is a good start.

Targeting problem areas

Your next priority should be all the locations the pigeons roost the most, inspect each of these areas individually to diagnose a root cause. This includes cleaning and removing any garbage or food waste in these areas, closing off exposed areas with netting or other weatherproof materials, filling in holes with rolled up plastic and generally making it harder for the birds to roost in these places paying closest attention to high up places where birds generally build nests for safety and comfort.

If there is a large open you need to cover or a rafter you need to fill in where birds are prone to nest improvise by creating an inexpensive crises cross structure out of twine which can be hauled up and cover the area preventing further nesting.

You can also create sloping surfaces in the same way where needed to deter birds as they prefer to reside on flat surfaces. Another humane deterrent is using reflective tape or create mirrored surfaces fashioned out of old CDs in areas most targeted to confuse and scare away birds.

Using spices

Another easy do it yourself treatment that doesn’t involve buying expensive sonic repellent devices would be using spices. Spices have been used for years too keep pests out of people’s homes, everything from tiny ants to in this case medium sized birds.

Sprinkle spices like peppers and cinnamon in the areas most affected (the roosting locations you identified earlier) and reapply periodically especially after rainy or windy weather.

Sonic repellent devices as a last resort

Moving onto sonic repellent devices as mentioned earlier as a last resort. City pigeons have been known to become increasingly resourceful and overcome many of the easy do it yourself methods outlined here, in some scenarios you have to crank it up a notch.

Sonic repellent devices emit sounds that will scare or confuse birds away from your property and what’s more is you won’t hear anything because the sounds are inaudible to human ears.

Before you go this site covers several other methods to fix your problem if the ones outlined above aren’t suitable.

Get a Home Gym for Better Family Health

Make a Small Home Seem Big No Comment

Gyms are great fun because there are such a great variety of workout gear and programs to choose from.  Gyms are also strategically created to promote your drive when it comes to difficult workout programs.  They use techniques such as mirrors, motivational posters and specially selected music to motivate you to work harder while you are there.  But gyms are also incredibly expensive, especially if you have an entire family who are in need of a good workout program.  A home gym is a perfect alternative for families who want to enjoy workouts on a flexible schedule at a much more affordable rate.

Create a dedicated workout area

A dedicated home gym area is important because setting up your workout equipment every time you want to use them is incredibly annoying.  You can convert one of the rooms in your home or simply use a space in the garage to create your dedicated workout area.  The more realistic you can make your home gym the better because you will be much more willing to use your home gym if it looks great.  Some basics for your dedicated area are;

Mirrors – So you can see if you are doing the workouts right

Posters – Posters are great for motivation, even if it is just you who is going to use the gym

Flooring – Rubber flooring would be great because you can drop and give twenty anywhere in the room but yoga mats are also fantastic

Color – Color inspires people to work harder.  Try to jazz your home gym up a bit with a few bright walls.

Get a Home Gym for Better Family Health

The best workout gear for a home gym

It can be tough to choose the right gear for your home gym.  The best way to ensure that expensive gym gear won’t end up gathering dust is to invest in something that everyone can use.  The top home gym gear is;

A weight bench – A weight bench is great for the entire family because you can get adjustable weights and some light weights for kids.  With a good weight bench you will protect your back and build muscles in the right areas.  The best way to choose the best weight benches is to read some weight bench reviews.  In these reviews, all the top pros and cons of each type of weight bench is discussed in detail so you can choose the best and highest quality bench for long term use.

Workout bike – Workout bikes are great because they take up little space and everyone from adults to teens can use them for a great workout or to improve their sports fitness safely.

Treadmill – This is a top investment since even the family pet can use it to stay fit.  Treadmills are easy to use and the speed of the treadmill is fully adjustable to accommodate any age group and even those with physical disabilities who struggle to handle high speeds.

Workout DVD’s – A good workout DVD by a professional fitness instructor is great fun and a perfect way to start your home gym session, especially if you don’t have much experience in workouts.  The instructors usually give valuable insight on the right posture and breathing techniques that go hand in hand with all the workouts.

Get Your Own Home Tanning Bed for Great Looking Skin All Year Round

Dream Kitchen No Comment

If you are going to upgrade your home a bit then why not build in your very own mini salon that will eventually save you a lot of time and money?  You can add fantastic salon equipment to your home so you can maintain a groomed appearance at ease.  A home tanning bed is a great investment because you will enjoy gorgeous bronze skin all year round with just a few sessions every now at then.  Your own tanning bed will actually save you a lot of time and money because you don’t have to go to an expensive salon, you don’t have to travel and you don’t have to make an appointment.  It is the most convenient improvement that you and your entire family will absolutely love.

The top reasons to get a tanning bed

Life is tough and it leaves a lot of marks such as stretch marks, spider veins, dark spots and scars on your skin.  A tanning bed is the best and most effective way to hide these imperfections so you can wear that short cocktail dress for a few more years or rock that bikini on a beach holiday.  Tanning beds are also known to fight depression and improve your body’s energy levels.

Get Your Own Home Tanning Bed for Great Looking Skin All Year Round

Tanning bed care

Tanning beds are incredibly simple to set up and requires hardly any maintenance at all.  Once you’re tanning bed is up and running, you only need to keep it clean and replace the bulbs when they are due.  The tanning bed and tanning bed bulbs can even be ordered online and be shipped right to your doorstep for the easiest and simplest shopping experience possible.

Stay safe while using a tanning bed

Tanning beds are much safer than sun tanning because you are exposing your body to a much lower frequency of UV light.  But even these UV lights can be terribly dangerous, especially if you are doing a lot of tanning sessions.  To ensure you and your skin stays safe from skin irritations and cancer, you should definitely have a look at this site and find out more about the top quality tanning bed lotions that you can use to protect your skin.  The lotions have been advanced to provide you with much more than just UV protection.  Your skin will also be hydrated and the tanning lotion provides a much deeper and richer color. Some lotions will even improve your skin and fight cellulite.

Salon tanning bed sessions

It might be wise to visit a tanning salon and do a tanning bed session or ten to see how professionals do it and so you can find out if the tanning beds functions well with your skin.  Once your skin has a good and golden brown color, you can even reduce the amount of tanning sessions you do so you can simply maintain your tone.  If a tanning bed is absolutely not for you then you can always try a few self-tanners or get a spray tan kit for your home.

How to keep your dog happy during feeding and stop it from creating a mess

Make a Small Home Seem Big No Comment

When it comes to keeping your lovely house clean and tidy, it is your pets that can really throw a spanner in the works and cause problems if you are not adequately prepared. Post meal messes can be hard to clean up after due to the massive splash radius that dogs manage during their meals. While it may be too cold and miserable to feed your dog’s outside, there are a number of ways in which you can keep your house clean while also satisfying your dog’s needs.

These days, there is a huge market for a wide variety of pet bowls feeders and waterers that help to minimise any potential mess. Here are a few further tips to keep in mind during feeding time to minimise the amount of mess that is generated.

How to keep your dog happy during feeding and stop it from creating a mess

Feeding them the right foods

When it comes to feeding your dog, they are more likely to create a mess if they are eating foods that they don’t particularly enjoy. It is similar enough to humans, if we don’t enjoy what we are eating, we will pick and play with our food and leave a mess behind. Instead, when a dog is eating something they really enjoy, they will enjoy every last bit of it and will not want to waste any of it by causing a mess.

You should always be using a high quality source of food for your dog, as the poorer quality foods will create more waste and can lead to digestive problems. The weight of the dog comes into the equation when it comes to determining exactly how much food you should feed it, while activity level of the dog is also important.

If your dog just lies down all day, not getting much exercise, it won’t need as much food as when it is running around a lot during the day. You shouldn’t choose a specific amount of food to feed your dog and never change it. You should re-evaluate each month to check how their weight is and change the portions accordingly.

How to stop your dog form rushing it’s meals?

When dogs try to eta their food to fast, this creates a huge mess as they are taking in large amounts of air when eating. This can also leads to digestive problems and upset stomachs. To avoid this from happening, you should put a large object tin the bowl such as a ball that forces the dog to work its way around the food, rather than simply eat it all at once.

There are also certain slow feeder bowls that can be bought and which help to slow down the rate at which your dog consumes its meals. If you are feeding more than one dog at a time, the best thing to do is separate them in order to reduce the competition for food between them. This will also reduce the mess as there will not constant shifting and enough space around the bowls.

A Great Way to Promote Your Home Business

Make a Small Home Seem Big No Comment

With the rental fees of retail stores and business properties, it is no wonder that so many people are reconstructing their homes to make room for businesses.  These home businesses are fantastic because the business owners enjoy greater flexibility for working hours, they can spend more time with their families, they save a lot of money on rent and transportation and they enjoy greater stability for their businesses because there is no way someone is going to kick them out or increase their rent dramatically.  It can, however be tough to promote your business if you are not located in the industrial sectors.  Here are a few tips to successfully promote your home business;

A Great Way to Promote Your Home Business

Use the internet

The internet is probably the best and most affordable way to tell the world of your fantastic services. More and more people prefer online shopping above retail shops and by advertising online, you can cater to clients across the globe.

Websites – A website is the most basic advertising method that your company needs.  The website provides a secure online view of your company and its services and is a great way you can elaborate on products. Ecommerce sites are also fantastic for selling products securely.

Blogs – A lot of companies add blogs to their websites so they can give regular updates on company progress and promote new products.  Your blog should be interesting and fun to obtain more viewers.

Social media sites – Social media sites are mostly free for advertising and are a great way to lure clients to your company because the more people who share your adverts, the wider your company will spread.

The best advertising methods

It is important to use the most interesting and modern advertisements to your disposal to make up for the location disadvantage.  Here are some of most popular advertising methods that are currently on the market;

Audio adverts – Audio tracks take up little data and can be added to websites, blogs and social media sites.  The reason why clients love audio tracks so much is because they don’t have to read to get all the information they need on certain products.  To get the best voices for your audio adverts, you can view Los Angeles voice over talents and get a sample of some of the top voices out there.  These voice specialists are expert in their field and can create the best and most live like recordings that are sure to capture any internet user’s attention.  You can create promotional audio adverts to lure clients to your business and to share your contact information or explanatory adverts that can explain the exact functions of certain products and services to your clients.

Video adverts – Video adverts are a great way to show clients how products work and is a must for home businesses because you are not around to show your clients yourself. The video adverts can be added to your website and your social media sites for great client reach.

The Best Ways to Make Your Home Dog Friendly

Make a Small Home Seem Big No Comment

If you absolutely love your dog then there is no reason for you to exclude the beloved pet from the family by leaving him outside all the time.  There are a lot of products on the market that you can invest in to make your home doggy friendly so you and your family can enjoy your pet all the time and the best part is, most dog equipment extremely affordable.

Get automatic dog feeders

Dogs can be quite messy around the food bowls.  A great way for your dogs to be cleaner during feeding times is by investing in automatic feeders and waterers.  The top benefits of these feeders and waterers are;

  • Your pet will stop being overly eager during feeding times because food is available to him all day long
  • The feeders and waterers are incredibly easy to use and monitor for hassle free doggy care
  • The feeders and waterers are perfect for dogs that eat and drink indoors because they provide a much cleaner feeding result
  • Your dog will have access to as much kibble as it needs to maintain good health
  • Reduced begging around the dinner table because your dog is already fed
  • Your dog will be fed and watered even when you are not at home

Get a doggy bed

A lot of people refuse to let their dogs into the house due to the fur that gets stuck on your carpets, clothes and furniture.  A great way to control dog furs is by getting a comfortable doggy bed that your dog can use all the time.  You should be strict with your dog when it comes to sleeping arrangements and teach him early on that his bed is the only place that he is allowed to sleep.  You should get a doggy bed that is machine washable so your dog will be healthy and so your home will stay odor free.

The Best Ways to Make Your Home Dog Friendly

Build in an outdoor doggy shower

Washing your pets in your bathroom tub is a terrible mess and you and your family can catch some diseases from your pets when you are using the same tub.  A built in doggy shower is a great way for you to keep your dog clean all the time so your home will stay odor free.  Regular doggy baths is also a great way to reduce the amount of fur shedding so your home will be tidier.  Your doggy shower can have a retractable shower head so you can wash your beloved pet much easier and more conveniently.

Get a travel blanket

Travel blankets are great for dogs that go along on holidays and for pets that need frequent vet care.  A doggy travel blanket will keep the fur off your car seats so you can maintain your dog’s health and keep the fur off your clothes.

Dog hair control

Rubber gloves and brooms are excellent for removing stubborn dog hair from carpets.  A good quality vacuum can also make it much easier to keep your home hair free but the best way to cut back on some elbow grease is to comb your dog regularly to prevent some shedding or to get your dog’s hair cut at a dog salon at least twice a year.

Be Smart About Taking Your Next Home Loan; Choose SMSF

Make a Small Home Seem Big No Comment

Whether it’s a small home improvement DIY or the entire property itself, one thing is for certain: it’s not cheap! What can you do? Nobody can live with a hole in their roof in this cold weather! Especially when your savings are tied up in a retirement fund, sometimes there isn’t enough to finance a home improvement project or even to buy a house. However, you should never become desperate and get yourself a huge loan that you don’t really need! This is the biggest mistake people make, and they don’t even think about future repercussions. Just stop and think about it. If you take a huge loan today, no matter how low the interest rates are, will you be able to pay it back if the rate doubled? This is how most businesses and families go bankrupt. So what can you do in this situation?

Be Smart About Taking Your Next Home Loan; Choose SMSF

What is SMSF?

Since putting off roof repairs is not an option, you have to take a loan. However, this is a different kind of loan known as a Self-managed super fund or SMSF for short. If you want to utilize your superannuation and eventually invest it on a property, in this case your house, you can do it with SMSF easily! But wait, aren’t trust funds dangerously volatile? Well, this is a different kind of trust fund! A SMSF can either be a corporate fund account or an individual fund account comprised of you and 4 other partners.

Usually corporate funds can give a ton of benefits and a larger sum of money than an individual trust, however, the former is a bit more costly to sign up for. If you have a SMSF, you’ll be able to reap the benefits of getting interests off of your retirement fund. Unlike Industry trust funds, you have complete reign on your assets and you decide where to invest the money. If you’ve chosen to open an individual trust fund account, for instance, all the assets and funds are pooled into one giant resource that all members can tap into. This type of freedom is never possible from other Mutual Trust accounts. Read more here


As I have mentioned above, SMSFs have numerous benefits and give you free reign over your finances. Not only that, but it also allows you to have a wide variety of options for investment. It can range from industry super funds to traditional retail; really, the opportunities are endless. Furthermore if you’re a SMSF account holder, individual or corporate, you may choose to invest on corporate debt, direct shares, purchase property, and much more.

Find out more here It’s not necessarily limited to home loans and renovation projects. You also get numerous tax benefits from SMSF. In fact, this type of fund is so successful that for the past 5 years, it has given its customers a whopping 12.5% return rather than 9.65% return like other industry funds. SMSFs are the future of loans which you can access today!

How Payroll Outsourcing helps any business

Make a Small Home Seem Big No Comment

Nowadays everyone wants to be their own boss so that they are in control of their own destinies. By being your own boss, you don’t have to answer to anyone and are free to do whatever you like. However, in reality it is much harder than that. Anyone who has embarked on the path to becoming their own boss can tell you that their path is full of thorns, but the payoff is much sweeter. One of the biggest thorns in your path is money. However, people make the mistake of thinking that if you can’t have a fancy office space, then you should just give up! They fail to realize that in this case, your home is your biggest asset!

How Payroll Outsourcing helps any business

Turn your house into an office

Those who say that you should never bring your work home obviously haven’t tried to build their own startup from scratch. Since your business hasn’t yet been established, banks are extremely reluctant to give you loans. In this situation you need to get creative! Consider turning one of your bedrooms into an office room. You won’t believe how much you’ll save by taking this step!

You only pay the utility bills of your house and not any other office space. There are also other big benefits as well. For instance, you get to cut a huge loss from your income taxes. Costs directly linked to your business can be deducted from your Income tax. So your electricity, for instance, is supplied to both your house and your office, so you can deduct it and save a ton of money from utilities alone! In that case, if your office consumes 20% of your total electricity, for example, you save 20% on your bill every year! Pretty amazing right? If you want to find out more then check out this link

Payroll Outsourcing benefits

Now that the bigger costs are reduced, we should focus on smaller processes that eat away your profits. One of the biggest parts of any business is the people who work to make it a success. You reward your employees with paychecks, but have you ever stopped to think how this process is killing your business? I’m not telling you stop paying your employees, just to outsource it.

As an entrepreneur you have to be a one man army and that makes you vulnerable to mistakes. For instance, did you know that IRS penalizes small businesses on a yearly basis for screwing up their payroll paperwork? As much as $845 on average is penalized every year! Moreover, hiring accountants to send out payrolls, bank transaction fees, and other paperwork can cost your business thousands of dollars!

Whereas, if you outsourced the process, you’re not only going to get a flawless and timely job every month, it’ll also save you a ton of money! They make it their mission to reduce your costs. They not only directly deposit to employee accounts but also use cutting edge technology and industry experts to do your bookkeeping. To find out more about such a service visit here

How You Can Increase Your Tax Refund from Your Home

Make a Small Home Seem Big No Comment

There is a big chance that you have spent a lot of time and money in improving your home. You may have purchased it second hand or you have purchased it brand new. You may even have had it made. No matter how you have acquired your home, you are proud of it and happy that you have it. Having a home is usually a fulfillment of a lot of people’s dreams.

For some people who already have enough money to purchase their own homes, they are still a bit hesitant to purchase mainly because they are not sure how they would be able to pay for the taxes that will be available a year after the purchase. Most people choose not to do enough research on possible options that may be given proper attention and as a result, they end up being restricted about the things they want to do.

The dreams may turn into a nightmare though when taxes are already needed to be paid. There are some shady individuals who make it a point to do things so that they do not have to pay the amount that their properties are truly worth but why resort to doing this when in fact, getting tax refunds from your property can even be beneficial for you?

Tax Refund

The thing here is that you have to be highly knowledgeable about the things that you need to do to maximize your tax returns. Do you think that you will be able to do that? Here are some of the things that you can do:

  • Energy Efficient Home Improvements

If you have made the effort in order to improve your home in such a way that it will become more energy efficient, you can acquire a lifetime credit for that depending on the type of home improvement task that you have done. The most common home improvement projects are upgrading your home’s plumbing system, updating your old water heater and even adding some new windows to your home.

  • Mortgage Interest Expense

Having this will allow you to decrease the taxable income based on what you have paid for the loan that you have used in order to purchase your home. This means that you will also be decreasing the amount that you will be paying in the long run.

  • Various Deductions

There are always different deductions that can be given depending on how the deductions affect the home. If you have helped in doing charity work and giving charitable donations, this may even be considered a tax deduction. If you need a more thorough explanation of the various deductions that can be applied to your taxes, hiring a tax attorney will benefit you. Not only will you be given all the information that you need, the things that you cannot understand will be explained to you as well.

With all of these things in mind, do you think that it can be a good thing to purchase your own home after all? It will be up to you to decide.