Archive for Funds

Top Benefits of Hiring an Interior Designer for Your Family Home

Most parents don’t realize how important a home’s appeal and functionality is to their kids.  Children who grow up in a clustered environment tend to grow up to become clustery people who never toss a single thing away.  Children who grow up in homes with large open windows tend to be more outgoing and open.  Children who grow up in an organized and clean environment tend to be cleaner and more organized themselves and those who grow up in a messy or dirty home often end up with messy habits themselves. If you want your kids to grow up and be more organized, cleaner, and healthier and more outgoing then you should set them the example early on by getting your home transformed so your kids can learn right from the start on how to live presentable.  An interior designer is just what you need to give your kids the best possible living environment and to make their lives more functional.

Top Benefits of Hiring an Interior Designer for Your Family Home

Spend more time with kids and less on your home

One of the top reasons to hire an interior decorator instead of doing it yourself is so you will have more time with your kids.  Your interior decorator will do all the hard work for you such as the designs, the shopping, the quotations, the finding of builders and more so you will have more time for family.

Make kids bedrooms more functional

An interior designer will know about all the available products and methods to make your home seem much bigger and be more functional.  They could help you create the ultimate study, sleep, play and living space for kid’s bedrooms so they can benefit much more.

Save money on your home

When you hire an interior decorator all of your transformations will be handled correctly and professionally the first time so you never have to redo a room again.  The interior decorators also have all of the best contacts which are sure to help you get your home transformed much more affordably.

A better sense of value

Hiring an interior designer is bound to increase your property value a lot and will also help your kids realize what the difference is between good quality products and good quality living so they will also work hard and achieve greatness in their lives.

The best interior decorating firm to try

If you want the best, you should invest in the best. Juan Pablo Molyneux is one of the best interior decorators in America and Europe and his firm is sure to get you the best and most functional look for your home.  Molyneux is known to create the best possible luxury spaces and he loves to combine modern technology with a touch of history in order to give your kids the best possible living environment.  Growing up in a fantastic home designed by a fantastic interior decorator like Molyneux is bound to create the best possible example for your kids and is sure to give them the best possible head start in life.

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The Benefits of Using Limousines

How many times have you seen characters that are rich use limousines in order to get from one place to another on television? If you have seen this scenario a lot of times on TV, you know that you would like to experience it too. You do not need to own a limousine, hire a personal chauffeur and actually be very grandiose when it comes to your choices in life. You can simply hire a limousine service to take you to an event in style.

The Benefits of Using Limousines

If you are a traveller who would like to get to different places at the soonest possible time, you know that using a limousine can be an advantage. Unlike what is being portrayed on television, you can always rent out a limousine for special occasions. Here are some of the benefits that you are going to get:

  1. You know that hiring a limousine service can be reliable.

One of the worst things that can happen to you when you have an event to attend is if the service that you have hired does not arrive on time. Limousine services are more precise and will make more effort into reaching you so that you can get to your destination on time. You can expect that your limo service will arrive about 15 minutes early so you truly have enough time to get to your destination with time to spare.

  1. Limousine service companies are more efficient.

The main reason why limousine services are almost never late is because they scout the roads ahead of time. They try to make sure that they will pass through areas that are not that populated and are not full of traffic so that they can reach you on time. This is also the same when you are already riding with them, they already know what roads to pass so you will not be late.

  1. They will allow you to be productive.

There are some limousine services that come with their very own Wi-Fi service but you may not need this when you are using the mobile data of your phone. You have to remember that you can always be productive while you are riding your limousine and since you will not be wasting time because you will arrive at the different places that you need to be in on time, you can be even more fruitful in doing work than usual.

  1. No need to worry about parking.

You may always choose to bring your own car when you are going to the airport but this is not recommended if you are trying to save up on some fees. Searching for a parking space will also take up a lot of time. It will cost you money to waste your gas on traffic and searching for parking so just hire a limousine service as it is more economical. Learn more benefits when you check this out.

You have to know by now that the myth that was created by what you have seen in movies and television is not true. You may not be rich and famous but you can always use a limousine service to get you to your destination.

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Have a Field Day for Children Before You Terminate Your Termite Infestation

Termites are terrible for your home.  These unwelcome little guests won’t just eat all of your old piles of wood.  They will devour your garden; compost heaps, your wood decks and even your home from right underneath you.  The scary part is that you might not even realize that they are there until some terrible damage is already done to your home.  If you suspect a termite infestation then it is time to gather your kids, get a looking glass and start investigating so you can start the termination process before the damage gets out of hand.

Have a Field Day for Children Before You Terminate Your Termite Infestation

Why has a field day with termites?

Kids love bugs.  They love to see them, be grossed out by them and they love to learn from them.  You can get your kids out of the house and away from technology and teach them terrific facts about termites and about the different species of termites.  Your kids will love the new information they get on these creatures and they will love to see what the homes of different types of termites look like.  And while everyone is learning something new about termite colonies you can determine if you are in fact dealing with real termites and what kind you are dealing with.

Decide between DIY and professional treatments

Termites are one of the hardest types of bugs to terminate from your home because they repopulate at an alarming rate and they can easily hide away deep within their nests and resurface again.  The home DIY treatments for getting rid of termites are mostly ineffective and incredibly time consuming.  If you want your home to be protected and completely termite free then you should get the help of a professional exterminator.  Professional exterminators know exactly which pesticides works best on the type of infestation you have and they know how to deal with your infestation effectively.  Click Here if you want to find out more about termites, how to deal with them yourself and to find out more about the best exterminators for the job.

Pesticides available to the public

There are some pesticides that are available to the public such as Termidor SC, Dominion, Baiting systems and Boracare.  These treatments can be quite effective for treating mild termite infestations but the pesticides are not as strong as professional pesticides and they don’t endure as long as professional pest control services do.  If you want your home to be completely termite free for a long time to come then you should rather seek professional assistance.

Professional methods

Exterminators use different techniques depending on the severity of the infestation.  If your termite infestation is extra they might even consider termite tenting for complete fumigation.  During termite tenting, you and your family will have to leave the home.  A tent is then applied over your home and sealed off with water bottles after which your home will be completely fumigated.  Termite tenting is excellent for homes with hard to reach infestations and is especially used if the termites have already done structural damage to your home.

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Stay educated when it comes to making safe investments

When it comes to educating yourself, one of the most important areas that all people should be well versed in is the world of finance. This is so important for everything that we do and can have a huge impact either positively or negatively on our lives if we take certain steps. It is baffling that so many people appear to be clueless when it comes to these matters and they end up getting sucked into schemes and bad investments as a result.

It is vitally important that you have control over your own finances and you ensure that your investments are in safe areas that do not open yourself and your life savings to excessive risks. Martin Chitwood is a leading securities class action litigator in the nation and has seen the devastating effect on families after they have made poor investments and ended up losing large portions of their life savings.

Stay educated when it comes to making safe investments

In order to avoid this, you need to take your investments seriously and ensure that you follow these useful tips along the way.

Make sure that you have realistic expectations

When it comes to investing, many people will see offers and opportunities that promise them massive growth year on year of their investments. This is simply too good to be true. When something looks like it is too good to be true, it usually is. Instead, you need to down play your expectations and ensure that you know that you are not going to be setting the world alight with your interest income.

Instead, you are going to protect your principal amount and achieve reasonable gains through compound interest. In previous times, interest rates were high and you could earn a substantial amount from safe investments, but these days with interest rates being so close to zero, you will have to settle for lower returns.

Have a right balance of safe investments

When it comes to deciding how much you should invest in safe vehicles, you should set aside at least between three and six months’ worth of living expenses. This means that if your life takes an unexpected turn for the worst, you could be unemployed or get sick or hurt, that you will be able to continue on living without falling into a desperate situation. Make sure that your cash flow needs have been matched up with your safe investments.

Make sure that you understand risks that are involved

When it comes to any investment, no matter how safe it may appear to be, there are always going to be risks involved. The three mina ones that exist in all investments are the potential of losing your principal amount, the loss of purchasing power that results from inflation and the risks that are associated with illiquidity.

After conducting this careful research and analysis into your investments, you will see how certain investments that appeared to be very safe and secure initially, are in actuality not so safe after all.

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Educate Your Children on the Best Shower Methods for Better Health

Hygiene is important for your and your children’s health.  By now your kids should already have heard and seen on TV that it is important to be clean and to wash regularly. If you want to improve the general health and happiness of your home then you should also teach your kids to shower instead of bathe so they will be healthier, more time efficient and more considering towards nature.

Educate Your Children on the Best Shower Methods for Better Health

Ways to make your kids enjoy showers

A lot of kids absolutely hate showers.  They hate the feel of water running through their hair and they despise it when water streams over their faces.  Kids mostly learned to fear showers after their eyes burnet during hair washing or when the shower was perhaps too hot.  But showers are important and much better to bath so it is time to make your kids enjoy showers more with these improvements;

Get a better showerhead – A better showerhead can make kids feel more relaxed because the stream is finer and the pressure is much better.  You can make showers even more fun by investing in a Bluetooth showerhead through which you can actually play music.  Music will relax your kids and will definitely make those shower trips a lot more fun if you add some lively tunes.  You can have a look at some of the best shower speaker reviews to find the best Bluetooth showerhead that your kids will absolutely love.

Shower toys – Shower toys can also calm your kids down and give them something to do while you are washing their hair.

Get tear free shampoo – Only wash your children’s hair with children’s or baby shampoo.  The shampoo contains a lot less chemicals and will prevent shower phobia caused by burning eyes.

Why showering is better for family than bathing

Showering is much better for kids and for adults than bathing for the following reasons;

Save water – A quick shower wastes a lot less water than bathing and is much more ideal for our current world where water is becoming scarcer and scarcer.

Clean more effective – When you shower, all the dirt and chemicals are flushed away from your body.  When you bathe you sit in the lingering dirt and germs.  Showers are also much better for removing shampoo and soap from the body and are much better for children with skin conditions.

Prevents infections – Kids can easily get infected by adults and by one another.  When they shower together the water runs down their bodies and down the drain which means the spread of diseases is contained.  In a shared bathtub or shared tub water the disease and germs lingers in the water and can easily spread.

Time efficient – Showering is much better for large households because everyone will have warm water and everyone will get a chance at the shower without having to wait for hours.

How many times a day should everyone shower

One shower a day is perfectly acceptable and normal.  Showering more than once a day is only necessary in extremely dirty cases because you are only wasting water and you are actually stripping your skin of natural oils that your body needs for protection.

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Start a Sideline Property Investment to Secure Your Children’s Future

Education is important – extremely important!  With a good education you can find a great job with lots of benefits, a great salary and perhaps even freedom if you are in the right line.  But even the best and highest paying jobs can leave you in a pickle when it is time to retire.  Salaries are no longer enough to secure your financial future.  You need to do much more to ensure that you will be taken care off when you are suddenly faced with a medical disaster or if you are suddenly deprived of your work due to economic factors.  The best way to ensure that you and your children are secure in their future is through property investment.

Start a Sideline Property Investment to Secure Your Children’s Future

Learn how to invest in property

Investing in property is much more than just taking out a mortgage for a second home or apartment.  You need to know what type of property to look for and you should have knowledge on the areas that are suitable for long term investments.  You also need to have the needed skill to ensure that your property investments are managed correctly to ensure a steady income and a healthy grow and the one thing that most DIY investors lack is good knowledge on how to create a secure long term property investment plan.  A great way to increase your general knowledge on property investments is by attending property investment seminars in Sydney.

Why property investment is your best sideline solution

Property is one of the most consistent and secures investments that you can make because market values are very unlikely to decrease as long as you are invested in the right locations.  Economic factors also have little effect on property, unlike with businesses and investment schemes and with property you can actually see your investment and you are very likely to be able to sell your property to cover costs in case you are faced with a certain emergency.

How property can secure your children’s future

It will probably take you about 20 – 30 years to pay off all the investments that you have made but once this is done, you can earn consistent income from lessees for the rest of your life.  Your kids will also benefit from this because firstly you can teach them firsthand about the right decisions to make regarding property investments and secondly, they can purchase or rent property from you at a much more affordable rate to help them while they are still trying to find their feet.

Why rely on property investment firms

It can be tough to manage your property, make the right financial decisions and find the best and most suitable investments.  A property investment firm can help you or even manage your entire investment on your behalf so you can pay attention to more important things in your life like giving your kids the attention they need and helping them stay on track with their studies or perhaps give extra attention to that business you have always dreamt of launching.

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Shop Online So You Can Spend More Time with Your Kids

Shopping can be great fun, if you go alone. Going to the shops with the entire family and especially with toddlers is a nightmare because you are constantly worried that someone might snatch one of your kids the moment they run out of sight.  The whole experience is also quite terrible when your 2 year old simply cannot understand why he or she can’t have that expensive toy while the toy box back at home is overflowing with goodies.  Skip the stress and nagging and do online shopping in Singapore instead.

Shop Online So You Can Spend More Time with Your Kids

The benefits of online shopping

Most mothers will avoid online shopping because they cannot see the actual product in their hands to establish whether the product is of good quality or not but what most don’t realize is that there are actually a lot of benefits to online shopping.  Here are some of the major online shopping benefits;

Reduce stress – It is terribly stressful to drive from shop to shop with three kids who are constantly throwing tantrums about each toy they can’t have and each time they have to be strapped into their car seats. Skip all the hassles and shop from the comfort of your couch on your mobile device.

Anonymous shoppingGift shopping is a mess when you have to visit a store.  How do you keep your birthday girl’s gift a surprise when she is standing right next to you?  Through online shopping you can shop completely anonymously.

Find good value for money – It happens so many times that parents spend up to twice as much on products because they simply don’t know that the product is overpriced or simply don’t have the willpower to drive from store to store to find the best prices.  By browsing online stores, you can find all the best deals for products and save a lot of money.

It is actually safe – A lot of online or ecommerce stores have money back guarantee policies on their products and they are reviewed online by customers.  These reviews are vital for their future business and are exactly why they always deliver the best possible products.  If you are unsatisfied with a product, simply send it back.

Spend time with your family – Kids need a lot of time, especially when it comes to their education.  If your child is struggling with school then it is your responsibility to find the time to help them improve their scores and learning abilities.

What you can find online

Online stores like Onebedok for instance, are a cluster of all the stores in that area.  Each store has its one online store where you can browse all the available products.  Once you have found what you are looking for, you can head to that store with the right amount of cash and buy what you like.  Most online stores even provide free delivery to your post office or even your doorstep depending on how far away you are from the retailer.

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3 Ways to Help Your Kids Buy Their First Home

With residential real estate prices rising continuously and wages remaining stagnant, buying a home has become beyond the reach of many young individuals. Since 2005, homeownership has fallen steadily, and according to survey, 80 percent of young adults in this generation are having a difficult time to afford a home.

3 Ways to Help Your Kids Buy Their First Home

If you’re a parent with a child aspiring to get a home, it’s natural that you want to help. But the big question is: How?

Luckily, there are a number of options that you can do to help your kid buy his or her first property. And here are some of them:

  1. Help them with the down payment.

According to the National Association of Realtors, a quarter of first-time home buyers used gift money to satisfy their down payment in 2013. Gift money can come from a friend or any family member, but parents are the most common source.

If you have enough funds on hand, give some cash that your child can use for down payment. But there’s something that you have to know when you choose this option – and that’s tax. Essentially, you can give whatever amount you can to anyone; however, some gifts are subject to tax. Currently, a person can give up to $14,000 tax-free gifts per recipient. Any gift (cash or property) above this amount is subject to tax, and you will be required to report it to the IRS.

  1. Sign as a guarantor on a home loan.

Another option that you can also consider is to act as a guarantor for your child. This is a great way to help your child secure a loan or even borrow a higher amount. However, do take note that while this can be very helpful, it can be risky, too. When you act as a guarantor, it’s like you’re taking the full responsibility of paying the property, as when your child misses any mortgage repayments, you’re expected to cover them.

Normally, guarantors are also forced to offer their own property to lenders as collateral to secure a loan, so this means that if your child missed his or her repayments, you can lose your property to settle the debt. It’s a big commitment, so you want to think thoroughly first before you consider this option. It’s also a good idea to seek some advice from your financial adviser or licensed mortgage brokers to minimize your risk.

  1. Buy the property and rent it to your child.

While this option is very uncommon, it’s a good strategy if you want to give your child a home immediately. Arrangement like this can also provide a number of benefits not just to your child but to you as well. With this, your child will obviously get much lower down payment or rental cost, and you, as the owner, can make extra money. Well that is if you decide to allow your child to live there for a fee. But of course, as the owner, you also have the option to let your child live there for free.

Depending on your circumstance, you can also decide to co-own the house with your child. You can take the responsibility of paying all the deposits, and let your child make the necessary repayments and upkeep. And depending on your agreement, you can split the ownership equally (50/50) or you can both decide that one of you will own more than the other.

Of course, not all these options are suitable for all families. Every family is different and has specific needs. Whichever of these you would want to consider, it’s important to talk with anyone who is expert in the field to understand your options better and make a better informed decision.

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The Importance of Payroll Services

If you happen to own a business, you will be well aware of all the effort and work that you will have to put into it. And although you may be proud of all that you have accomplished, even the most experienced business owner dislikes doing all the tedious, “non-money-generating-yet-related-to-the-business” type of work. Payroll services are part of such tedious work, that although important, no one really likes doing. That said, I’m sure you would want to be safe than sorry, and so, you need to understand the importance of payroll services.

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What is a payroll service?

It is basically record keeping of every employee’s salary. That is a very tedious job description isn’t it? Nevertheless, it is of utmost importance and has to be done with care and diligence. As business owners, you need to be able to pay off your hardworking employees at the end of the month the right amount of money that they have worked so hard to earn.

And so, it is important that you keep records of what you are paying them, so that you can pay what you owe them on time. Although time-consuming, this is a task of utmost importance. Since it is a time-consuming and tedious task, many businesses use a method called outsourcing, which basically means that they hire an agency that specializes in bookkeeping, and they take care of the payroll services every month so that you or your employees don’t have to worry about it.

Advantages of payroll services

Whether you form a special group within your business to look after the payroll services or hire outsourcing, bookkeeping has several advantages. It will provide security, as you will be sure of exactly how much you have paid each and every employee that you have in your business. With the use of technology these days, you can have accurate results and theft and fund embezzlement can be prevented this way.

Accuracy can also be assured by hiring a bookkeeping firm, as they will be more professional and less likely to make any errors. And also, they will be fully accountable for any mistakes made. Hiring professionals also has another advantage; speed. They will be fast in delivering the final calculations to you, which will enable you to pay off your employees faster.

Even if you don’t outsource a payroll service, keeping records will still benefit you, as at the end of the day, the main aim is to keep your employees happy. The faster you pay off your employees at the end of the month, the happier and more productive they are.

Bottom Line

Bookkeeping helps you achieve your main aim, which is to pay off your employees as quickly and as accurately as possible. It also helps you keep track of the money that is being spent on the employees’ payrolls, as you can now rest assured that no money is being lost due to theft.

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Should you include your children in your SMSF?

SMSFAccording to the 2014 SMSF statistical report released by the Australian Taxation Office (ATO), the number of SMSF members has now reached the 1 million figure, which is considered an important milestone for the SMSF industry. Andrea Slattery, the SMSF Professionals’ Association of Australia (SPAA) CEO, says that this figure clearly demonstrates that there’s a growing number of people wanting to take responsibility of their future. But based on the recent record, about 70 percent of SMSFs have two members, and only 10 percent have more than two members. With this data, it is fair to assume that most parents don’t include their children in their SMFs.

While super funds are specifically designed for the husband-and-wife’s retirement, including children and other family members can be a very effective plan, according to experts. Adding your children or other family members can provide a lot of benefits. It can be a great way to build your family’s wealth and secure your children’s future. But as with any other investment strategy, there can be risks along with benefits to all parties concerned, so a careful thought should be given before planning to include your kids in your self-managed super funds.

Here are the pros and cons of including your children within your SMSF:

Pros

  • You can build a larger and more diversified investment portfolio, allowing you to acquire more expensive assets, such as a residential or business property.
  • You can have the ability to save investment costs for running a single fund.
  • It helps your children to be engaged with superannuation and investments, providing them an opportunity to build wealth for their future.
  • Your kids become trustees, allowing them to control and manage the funds upon your passing.
  • Your kids obtain long-term tax benefits and insurance in the event of disability or death.
  • It provides your children a financial education about the importance of planning for retirement and on how to effectively manage money and assets.

Cons

  • It can result in you losing control of your funds, especially when it comes to decision-making, since most parents and children have different financial objectives.
  • It can cause family pressure and administrative complexity, especially when the other members start to receive pension while some are still in the accumulation phase, or one member is in financial difficulty.
  • Family problems may arise in case of divorce or death (about what should happen to your fund).
  • Family dispute may also arise, especially if you are a family with more than four members since SMSF is only limited up to four members.

The reality is there are always risks and rewards involved in any undertaking. Whether or not you include your children in your self-managed super funds should be something that you and your family should talk about and carefully consider – after all, it’s a family matter. It is also be wise to seek legal advice from anSMSF expert or investment lawyer to help you in the planning and decision-making, and to fully understand the benefits and risks of including your children in your SMSF.

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