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Meet Your Real Investment and Home Owning Needs

April 21, 2017 at 7:53 am Comments are Disabled

A Duplex UnitIf torn between the acquisition of a home and a rental unit, you can make a compromise that gives you the best of both worlds. You can realize both your investment dreams without losing the advantage of owning the roof over your head. A duplex can give you a taste of both sides of the coin.

You can live in one unit and let out the other one. Such a move enables you to lower the cost of your mortgage and will a little luck, some additional income. However, before rushing to make such investment, you need to take a few precautions.

Research the Market

Ideally, the other units in a duplex should help you pay off the mortgage on the loan each month. As such, you need to be sure of the level income you stand to collect from units each month. A detailed market survey can help you make an accurate estimate of the possible return on investment.

Otherwise, you are likely to make a crucial mistake capable of running your finance. More than just comparing income, you need to consider, the population and their income levels. Such a move enables you to calculate your income with a high degree of accuracy, allowing you to make an informed decision.

Get the Money Factors Right

Naturally, duplexes and multiplexes carry a higher asking price than single-family dwelling units do. Hence, you need to make sure your finances are in order before approaching a HUD multifamily lender for funding. If relying on the rental income from the units to cover part of the mortgage, make sure they are occupied.

You stand a better chance of success if you can back your claim with financial statements. Putting a sizable down payment in addition to having a high credit score and a low debt income ratio also helps your creditworthiness.

Multi-homes make an incredible way to kick off your real estate investment journey. These useful tips ensure that you make the right call when making your investment decisions.

Deconstructing AV Trends for Effective YouTube Advertisements

April 20, 2017 at 1:00 am Comments are Disabled

Youtube On A Laptop YouTube advertising may just be your next step to gaining exposure and creating an impact for your brand. It lets you show off products and services in a way that appeals to how consumers prefer to get information. Moreover, it lets you track which ads receive the best response through YouTube Analytics data.

Here are local AV trends that have proven successful for video advertisements.

Tell a Story within Three Frames

Many people use their mobile phones to watch videos on YouTube, so make your ads mobile-friendly. Divide the story into three frames: the opening, the hook and the landing — and make sure that they relay a single message. Otherwise, you might confuse viewers.

Have a Catchy Tune

Singapore-based online marketing company says that a video uses both emotions and sounds to convey a message that connects with people. So choose catchy background music to match the visuals of your video ads.

Use Cliffhanger Plots

Nothing gets viewers wanting more of something than a strategically planned ending. This is true for TV series and movies; it also works for video advertisements. Use cliffhanger plots that tell viewers something about your brand, but leave them wanting more.

Finally, here’s a trend that never grows old: get to know your audience. YouTube is easily available to all audiences, from children to senior citizens. Find out what each type of audience wants to see and incorporate all those details into portraying your brand. This way, it will feel inclusive and genuine.

YouTube advertising lets you showcase products or services that is different from the quintessential words and images. Keep these trends in mind for your own effective advertisements.


Get Them Hooked: 3 Hacks for A Livelier Classroom

April 18, 2017 at 6:26 pm Comments are Disabled

Happy kids in classKids of today have way more options than any other generation before had. At a swipe of their fingertips, they can access heaps of information or be entertained by widely available visual, auditory, or socially interactive media that relates to their interests. Considering how much technology has sped up the process of out-of-classroom learning, what can London’s education agency sector do to keep these kids firmly seated in their desks by bringing new media to the traditional classroom?

The secret? Keep them on their toes. Here ate 3 ways to do just that:

Start class every day with creative ice-breakers

While kids might initially shy away during the early days of adoption, daily ice-breakers allowing them to get to know their peers at a faster rate than if they were to just chant the polite “how are you?”. Ice breakers can take the form of short physical games or exercises, or mental riddles to stimulate their out-of-the-box thinking.

Get them in the mood for collaborative learning

Learning is a two-way street and it’s not limited to what knowledge the teacher can pass on to his or her students. Feedback from peers is equally valuable, as validating one another’s ideas fosters a spirit of supportiveness. Education agencies can take this a step further by facilitating classes in such a way that students will be comfortable to exercise critical thinking but in a constructive and emotionally intelligent manner.

Allot time for quick reflections

Written or spoken reflections help kids synthesize their learnings in the way they find to be most striking. By spending at least 10 minutes at the end of every class for this activity, students can look back on what they did right and what they could do better next time. Teachers must gauge the collective personality of the class.

While electronic screens dominate the way information is disseminated today, physical interaction is still king when it comes to pumping energy and stimulating young minds.

Unwelcome Visitors? You Need Pest Control!

April 17, 2017 at 6:46 pm Comments are Disabled

prepared exterminator smilingIf your home has fleas, ants, wasps, rats, or cockroaches, you should contact pest removal professionals in Dunedin to have these pests removed immediately to prevent further damage in your home.

When pests are running riot in the home, they can make your home unhygienic. Their droppings are a health and safety hazard. Using a simple insect spray may not be enough if your home is infested. In these situations, it is always best to consult a professional pest removal service to save your health and your home.

​Fleas and Ticks

If you have dogs or cats in your home, the summer months can cause fleas and ticks to increase in numbers. They can cause sever itching and even illness. These parasitic pests usually require a host. Try to cut your lawn grass and make sure that any crevice or gap in your home is sealed or repaired. Consult your vet if your pets have ticks or fleas, and ask pest control experts how to keep your home clear of fleas and ticks.


Ants can infest your home through cracks in the wall and nest inside your home’s insulation. They are most commonly found in areas where food is prepared as they search for items they can scavenge. They can get into packets of food in the cupboard, rendering them unusable.


Wasps can nest in the air vents of your house, the loft, or in the insulation. They are dangerous to remove as the whole colony could attack. Multiple stings can cause death so you should always consult pest control experts for such an infestation. There are several different types of wasps. Wasps have a few varieties that could infest the home.


Many homes are prone to cockroach infestations. Roaches usually thrive in dark, dank, and humid areas. If you see cockroaches in your home during the day, it is a clear sign of infestation in your home.

Don’t allow pests such as these to become uninvited guests in hour home. Call a pest control service in Dunedin to ensure you and your home’s safety.

Don’t Keep That: 4 Things You should Never Store in a Storage Unit

April 12, 2017 at 2:46 pm Comments are Disabled

Storage UnitRenting a storage unit is a great investment because it’s safe, clean, and serves as an extension of your home or business. Some people even use it as their actual home, although, technically, that’s illegal.

While storage facilities like bondstoragesb.com in downtown Santa Barbara have security measures in place and make sure that the area is clean, storage unit renters should also be responsible enough not to store illegal or potentially harmful items in their units. If you’re not sure what they are, here are some of them.

Items that Attract Pests

Food usually attracts the creepy crawlies, but non-food items like a corkboard also draw in pests because of its scent. Be careful when storing foam, too, because it’s prone to bug infestations. Store foam properly by keeping it in a sealed plastic container.

Unregistered Vehicles

Whether it’s a car, a boat, a motorcycle, or a trailer, you can’t store an unregistered vehicle in a storage unit. Storage facilities have to legally require you to present proof that the vehicle is currently registered before allowing you to move it in.

Moreover, you can’t store a close friend or relative’s vehicle. Any vehicle you store should be registered in your name.

Flammable Materials

You’ll run the risk of your possessions catching fire or exploding if you store fire-hazard items in your storage unit. Among the obvious items are gasoline, propane tanks, and aerosol cans. Paints, oil, fertilizer, and asbestos are also flammable, so keep them out of your storage unit.

Furthermore, if you want to store vehicles, snow blowers, or items that run on fuel, empty the tank first before locking it up.

Battery-Operated Items

Storing battery-operated items in a storage facility may decrease their overall quality because the unit’s indoor temperature isn’t regulated. Some storage facilities have already addressed this issue by offering temperature-controlled units, however.

If you decide to store electronics in an environment with an uncontrolled temperature, wait until the item is at room temperature before turning it on.

These are just some items you shouldn’t store in your unit. To get a full list of things that shouldn’t be stored in a unit, visit your storage provider’s website or ask for a brochure.

Sleeping Pills or Supplements: Which is More Bedtime-Friendly?

April 7, 2017 at 1:23 am Comments are Disabled

Woman with InsomniaInsomniacs have it rough. There’s nothing worse than having to lie down in bed after a tough day at work, then realizing that you’re not getting any sleepier for hours. To try and remedy this, you make a cup of tea, a glass of milk, or even a glass of wine.

When nothing else works, the temptation to resort to sleeping pills grows ever stronger. There are multitudes of prescription drugs designed to knock you out and hit the bed at command, but are they the last option? Many natural supplements claim the same sleep-inducing effects and don’t need a prescription, so, which is the better choice?

Risks and side effects

Prescription pills, at first use, are very effective sleeping aids. For the first few nights, you are guaranteed to get some good rest almost as soon as you take them. But after prolonged use, such medications have side effects like constipation, muscle pain, migraines, and even rebound insomnia.

Over a period, your body is even likely to develop a tolerance to the drugs, rendering them useless. The only way to get some sleep with them is to take more pills.

If you do take more pills for sleep, the danger of dependence, and eventually addiction arises. You may feel the need to continue taking sleep medication even though they no longer work for you. As with any drug, withdrawal symptoms will manifest if you stop suddenly; nausea, excessive sweating, and anxiety may ensue.

The restful alternative

Natural dietary supplements, on the other hand, carry no such risks. With these supplements sourced from natural ingredients and readily available, Insight Nutrition agrees that organic insomnia treatments prove more useful with the use of calming components, like Melatonin.

In fact, dietary supplements infused with naturally calming ingredients like Valerian root and L-theanine help the body relax from stressful states. Since these supplements do not pose any risk of addiction, they are entirely safe and effective for intake.

Many pharmaceuticals will claim to have the best solution to sleep-deprived individuals. But nothing beats natural solutions for such disorders, as the human body and mind – made up of organic material – responds best to what nature already has to offer.

Failed Three Times: London Stock Exchange Deal Blocked Again

April 7, 2017 at 1:00 am Comments are Disabled

Stock Market AnalysisOne of the biggest stories concerning the European stock market in 2017 is the failed merger between the London Stock Exchange and its German rival, the Deutsche Börse, based in Frankfurt. The merger, valued at £21bn, was blocked for the third time by the European Commission. Previous attempts fell through in 2000, and again in 2005 before the 2017 deal failed.

All major news channels, including The Guardian and the BBC, as well as smaller finance news sites such as Stock Market London are already covering aspects of the failed merger.


The merger had always received backlash due to fears of it creating a ‘de facto monopoly’. A de facto monopoly refers to a non-government created monopoly that is not protected from competition. An LSE and Deutsche Börse merger would have a monopoly of bonds and debts. Margrethe Vestager, a prominent anti-trust official of the European Commission, mentions that the two companies cannot guarantee that it won’t limit competition.

German regulators, in particular, worry that the merger will create problems after Brexit. The merger would have placed the headquarters in London —problematic as the UK will be no longer part of the EU. They were originally pushing to locate the headquarters in Frankfurt instead before the whole merger was ultimately rejected. Vestager herself, however, says that her decision was not influenced by Brexit.

Increased Shares

The two companies originally wanted to merge to allow them to compete more readily with the global market. The merger would have allowed London to maintain its economic ties with the EU. It would have also resulted in an estimated of £384 million euros in annual cost savings.

Despite the deal falling through, investors have responded positively to the failed deal. The London Stock Exchange saw a 3% jump in their shares, and the Deutsche Börse went up by 0.5%.