• slide
  • slide
  • slide

Self-Managed Super Fund: The Pros and the Cons

A self-managed super fund, with which you have the freedom to invest in whatever you wish, sounds too good to be true? You decide. This is a great way for you to save up for your retirement, so that you will still have money left even after you cannot work. However, with the control of your own funds, you will also have to take on a lot of other responsibilities as well. This article will tell you precisely who should opt for a self-managed super fund and why. To learn more about SMSF, visit smsfselfmanagedsuperfund.com.au

pros and consThe Pros

The most obvious pro, as has been mentioned before is the fact that you have the freedom to invest wherever you wish, however you wish. Also, you are also allowed to take loans for your investments. And as mentioned before, this is a great method for you to secure your future, and by saving up for after your retirement.

Aside from that, since this is your fund and you are a trustee, you have the authority to increase your profits by reducing certain fees, as such as the ongoing fees, by carefully deciding where you invest and by keeping your transactions to a minimum. As a trustee, you also have greater access to the investment strategy and the management, and you can control them however you wish.

You can also take advantage of the concessions in taxes, and the income earned through the investments would only be taxed at a maximum rate of 15%, which is lower than the original form of taxation, which is according to your marginal tax rate. Aside from all these benefits, you also get to avoid the industrial fees, and not to mention, you feel free and satisfied by being able to manage your own super fund.

The Cons

Not only does setting up your own SMSF come with an increased amount of responsibilities, but like any other investment, it also carries risks. You will need to start off with a huge amount of money just to start up, and according to the 2009 Government review, anything less than $200,000 may not be good enough, as it may not be cost-effective.

You also need to spend a lot of time and energy for this. Not only that, you need to be skilled enough to manage these funds. And as a trustee, you need to keep records of all your transactions, meet all the requirements in your reports, and you also have to make sure that you’re sticking to your investment strategy, and you have to be careful to follow all superannuation laws, as not meeting their requirements could have serious consequences.

Bottom Line

After all that’s been said and done, the main point that you need to remember is that these funds are for your retirement. It might be difficult to manage and it might be time consuming, but this is an excellent way to make sure that you have a good life even after your retirement.

 

Different Types of Makeup Brushes

Most artists will admit that if it weren’t for their tools, they would be nothing. Just think about this: Where would you think Da Vinci have gotten if he didn’t have a brush nor canvas to paint with?

Well, when it comes to other forms of art, particularly in makeup application, having the right tools at hand is important. Without them, it is nearly impossible or difficult to get the final image that you want. As you know, however, there are different types of makeup brushes in stores today, and with the so many options available around, you can really easily feel lost. But fret not. We’re here to give you a list of which best make-up brushes you should use.

makeup-brushes

Foundation Brush

This bush is used to apply liquid and cream formula foundation all over your face, neck, and back to even your skin tone. It usually has long, dense bristles, which is perfect to stretch out the product all over your face to cover imperfections. It can also be used for retouching.

Concealer Brush

A concealer brush is used to apply coverage to specific spots on the face. This product is usually designed with soft and narrow brush tip to effectively cover blemishes, spots, and other skin flaws. Concealer brushes are typically used after applying foundation.

Duo Fiber Brush

This has flat, circular, and feathery head that is used to create an “airbrushed” finished when applying foundation. It can also be used to apply blush on your cheekbones.

Bronzer/Powder Brush

This is a dense, rounded brush with soft bristles that is used to apply powder on your face. It helps even out your makeup by dusting out excessive makeup product.

Fan Brush

A fan powder brush is usually used to apply blush on your face, but it is also used to apply loose powder and cover imperfections on your skin. It lightly sweeps the powder on the skin and gives a soft and velvety effect.

Lip Brush

A lip brush is designed with short and firm bristles than can be used to apply lipstick to the lips. It helps you have smooth and natural-looking finish lips, as well as save your lipstick.

Eye Shadow Brush

An eye shadow brush has large, flat, soft, and brimming bristles, which is used to apply eye shadow on the eyelids to make your eyes look more attractive.

Eyeliner Brush

An eyeliner brush is designed with a thin and fine brush with soft bristles and used to apply eyeliner around the contours of your eyes. This brush helps you have attractive and beautiful eyes as it could create a variety of aesthetic effects.

Smudge Brush

A smudge brush is designed with a foam tip that is used essentially to smudge your eye shadows for a naturally smoky finish. This brush can also be used to smudge you lip liners for an edged look.

Mascara Brush

This type of brush is used to apply and spread mascara to your eyelashes. It is an essential tool if you want to create a variety of eye effects.

There you have it! These brushes are all you need if you want to get that perfect look you desired for!

Read Pressure Washer Reviews Online

Power washers are also known as pressure washers. This is the device mainly used for cleaning. It works with water pressure. Such item produces high pressures of water spray. Oftentimes, it is needed so as to get rid of grease, dust, heavy stains and grime.

There are different types of pressure washers. It includes electric powered, hydraulic powered, gas powered and diesel powered. It is also classified as those that use hot pressure washers and cold pressure washers. The efficiency of pressure washers normally depend on the gallons per minute or GPM and pounds per square inch or PSI. GPM indicates the water flow while the PSI indicates the pressure of the water. If the PSI and the GPM is higher, it only means more pressure and the power even more.

power washer

There are many pressure washers available in the market. For first time buyers, it can be a challenge to select the best one. Thus, it matters to first read a few best pressure washer reviews online. By way of reading what other people has to say about the product is an advantageous way to get started with shopping. One great place to search for reviews or users’ opinions would be the internet. With the revolutionary world today, many people are maximizing the use of the web by sharing their experience with a certain product or service. Hence, you can be able to learn more about the products performance. Of course, these reviews are not just always positive. In fact, there are more negative feedbacks that can be found because customers are more eager to share their bad experience rather than the good ones. There are also usual reviewers that will give you an overview of the product and can share its good and bad side.

The pressure washer reviews on the web can have details like its structure, performance, functionality and power. The accessories included with the purchase can also be discussed. You are likely to read information that tells that the product does not work as expected, sales service are bad after the item got damaged, some missing parts and more. As with pressure washers in general, a lot of actual users give good reviews about it. It just means that they are satisfied with their purchase. Aside from the usual information that can be found on a review, its value for money is also being discussed. The reason why the device was purchased can also be elaborated. Smart consumers even give honest recommendations on how the company can further improve the quality of the product.

To ensure that you will read reviews that are for real and not biased, refrain from reading the testimonies posted on the site of the company selling the brand. There are many reputed review sites that can be trusted online. By visiting forums and discussion boards are also great methods to learn more about the best pressure washer reviews. By spending some time to read the reviews, you can be sure that you can be able to compare and contrast the different brands available.

In Search Of The Best Handheld Vacuum

Today, our world offers quite a few enhancements. It can be felt not just in terms of the fast paced economy that we experience but also with how each and everyone adapt to the new technologies that are being introduced. Oftentimes, people would be in the look for new and simple ways to make life even better. With the use of the internet, lives got even a whole lot simpler. One great use of the net is the ability to do online shopping. Shopping through the internet was offered to anyone and buying anything is as simple as drinking coffee. Everything can be purchased online. If you’re wondering which the best handheld cordless vacuum is, the house hold appliance judge website has an excellent article on the subject.

best handheld vacuum

When in the need to buy handheld vacuum to be used for cars or even at home, there are some considerations to considered. It can include:

  1. There are many brands of vacuums that can be found in the market. The big names in the industry may offer the exact one that you need. However, it may not be the one you are looking for that can suit your budget. So instead of settling with the brand that you are familiar with for the longest time, you may also consider other brand names that can offer quality yet with the price that you can afford.
  2. For most people, the brand of the item they are buying is the first and foremost consideration. It is very practical to prioritize the price of any item. However, it is also good to remember that it can even cost more when you will buy a cheap item with substandard quality. On the other hand, the price is not a solid indication that an item can last for long.
  3. Knowing the huge variety of vacuum cleaner that can be found in the marketplace, it is best to check and see its features. Different handheld vacuum offers different features. An example is its blowing option. Another is HEPA filters. There are also some with self-retracting cords and many more. In short, before getting the one that you think would do the work, check first what it can give you.
  4. Handheld vacuum comes in various sizes too. Bigger can be better. Yet, smaller can also be handy and easy to be carried anywhere. Hence, it can be beneficial for the home as well.

The best way to shop for the best handheld vacuum would be the internet. There are already quite a few websites that offer great products. By checking the specifications online, the best product can be found. Reading feedbacks and comments from other users can also be advantageous. By doing such, more details can be acquired from a certain product. To prevent reading comments biased for a particular brand, try reading the ones written from comment box, discussion boards and forums. There are quite a few reliable forums around the web.

How to Mend a Broken Heart and Find New Love

One of the greatest sufferings that many of us will ever experience is the pain from a failed relationship. This is especially true if cheating causes the split. (Visit http://howtofindoutifsomeoneismarried.com/ to find out if your spouse or partner is cheating on you.) But fret not. No matter how hard breakups can be, there are plenty of things you can do to get through this very difficult moment and enjoy life again. You can even learn from the excruciating experience and eventually find new love again. Here’s how:

new love

  • Accept the pain. It’s true that the most difficult task for someone who has been in a tough breakup is to feel the pain. But that’s exactly what you must do to start the process of healing. This is not to make yourself suffer more, but to help yourself move on. Because if you try to ignore or suppress the pain, it will only resurface over and over. It is usually helpful if you let yourself cry because it’s the best way for draining the hurt.

 

  • Stand on your own. One of the common phrases I hear from people with broken heart is this: “I cannot live without him!” Well, it’s true that it’s really hard to imagine life without that someone you thought you would be with for the rest of your life. I, myself, experienced that. But I learned eventually that I can. Yes, it’s very possible to live and be happy without anyone or anything. It only takes a little courage, patience, and help from God.

 

  • Take care of yourself. Breakups are tough, that’s a sad truth. But just because you’re sad doesn’t mean you have to stop taking care of yourself. Remember that in a situation like this, taking care of yourself is more important than ever. Get plenty of rest and sleep. Avoid overeating and more importantly, go outside and exercise. All the work you are doing to heal your broken heart will be pointless if you ignore your health.

 

  • Go out and try new experiences. When dealing with a tough situation, you might feel like you want to be alone or want to get through it on your own, but isolating yourself will only make your situation much worse. Realize that there are a lot of people out there who want to help – let them. Go out and spend time with your friends and family. It’s also very helpful to try new things to enjoy – go to places you’ve never been before, try things you’ve never done before, or join a new networking group to meet new people. Who knows, you might just meet the person of your dreams!

But of course, it is important to take things gradually. Don’t rush in finding new love, especially if you’re not yet ready. Enjoy your singleness first. And keep doing things that will make you happy and your life better. Once you’re truly healed, you can finally open your heart again and start dating.

Selecting The Top Bookkeeper In Australia

If you want to select the top bookkeeper in Australia there are some key steps to follow before you can make any decisions.  Since you are running a business it is very important to make sure your customers are paying you on time and you are paying your employees in a timely manner. What you need to do is find a bookkeeper who can handle all of your bookkeeping needs including any special charitable donations your employees want funds earmarked for.

right bookkeeper

The first thing you have to do is gather the names of all the bookkeeping service providers that have websites. After you have gathered their respective names you can start reviewing the credentials of these bookkeepers to find the one who you feel is going to be the best choice overall. Start by finding out how long each bookkeeper has been offering these services in Australia. The more experience they have the more suitable they should be but you still need to delve even deeper into the background of the prospective bookkeeper. While each of these individuals will claim to be the “best” there can only be one person that is the best choice, the onus is on you to find them.

When you have identified the bookkeepers that have the most experience you should look for comments made by individuals who have worked with the bookkeeper in the past few years. The only way to know whether the prospective bookkeeper is suitable is by looking at their past performance so go on the Internet right now and look over the comments that were made by individuals who have dealt with the bookkeeper in the past few months.  These testimonials are going to help provide you with valuable insight into how the bookkeeper conducts their business and whether they are a good choice. What you need to do is create a list of the top 15-20 bookkeepers based on the feedback that was posted on the Internet and once you have their names you should compare the fees they are going to charge you for their services. Each bookkeeper will set their own respective fee schedule so it would be in your best interests to get the “total” cost before you move forward and hire them. This process is quite simple to follow so go on the Internet right now and start doing your research, once completed you should be able to hire the right bookkeeper and focus on your business.

 

What Does it Take to Become an X-ray Technician?

An X-ray technician, also known as a radiographer or radiologic technologist, is an allied health professional whose main duty is taking image of human body through radiography to help with diagnosis and treatment of medical and pathological conditions. Perhaps, you are interested in becoming one and wish to know what it will take. Here are some pieces of information you will find useful in that regard.

radiographer

X-ray Technician Requirements

It is required for an individual to undergo training to acquire relevant skills before becoming an X-ray technician. The required skills include ability to operate and maintain image equipment as well as work with patient database and medical software. You will need to complete a bachelor’s degree, associate’s degree or certificate in radiography to acquire these skills. The beauty of this profession is that you need not necessarily spend years in school before becoming an X-ray technician.

Training

X-ray technician training are provided not only in four-year universities, but also in community and technical colleges. An associate’s degree program takes about 2 years to complete. Some certifications programs can last from just some months to 18 months. This training covers various aspects of the duties of an average X-ray technician, including steps to take to shield patients from excessive radiation, how to take accurate images, patient positioning, anatomy information and pathology information. It has to be noted that the duties and roles you can perform will often depend on the duration of your training. You are expected to sit for a certification examination after completing required training.

How to Select a School

In determining the best schools for X-ray technicians, there are some important factors you need to consider. Here are few of them.

Entry requirements – Schools usually have certain conditions that every student must satisfy before being admitted. Physics, mathematics and biology are required courses for entry in some schools. You may also be required to have prior experience in a radiology environment.

Accreditation – To be certified an X-ray technician, it is very essential that you undergo training through a program that is accredited by relevant program accrediting bodies. Accreditation is a sign of approval of a training program’s standard. You will not be allowed to sit for the necessary certification examination if your training program is not approved and it will be hard to get good jobs or any at all without certification.

Practical training – Theoretical knowledge is not sufficient for becoming an X-ray technician. Besides, practical is a required part of an ideal training program. You need to be sure the school you settle for can guarantee you hands-on laboratory experience. Also, ensure such a school has the modern laboratory tools an X-ray technician will be working with.

Certification and license

After your training, you are expected to pass a certification examination. You become a registered technologist after passing this exam. You can then apply for license to work. Requirements for licensing differ among states – this area is also where doing your program at an accredited school counts.

You need not spend years in schools to become an X-ray technician – you can become one in matter of months. However, it should be noted that the duration of your training program may inform what roles you are assigned and how much you earn. You can always work your way up as an X-ray technician.

Useful Tips for a Stress-Free Business Trip

It is ordained that men will have to put in some effort to get food on the table and meet other essential needs. This is why all of us are engaged in one business/occupation or another. Business tourism or business travel is sometimes inseparable from the work or businesses we engage in. Such travel could prove somewhat daunting and consuming for some as well. There is really no need to be so bothered. Here are some tips you can use for a stress-free business trip.

stress free business trip

 

Have an itinerary

 

The first thing that needs doing when going on a business trip is to ensure you are clear on what you hope to achieve in the course of it. You should list meetings to be attended in the order of their importance and confirm them before hitting the road. Get all important contact information and make appointments. It helps to arrange your appointments in such a way that unexpected events such as a broken down vehicle does not create problems in catching up with arranged meetings. Meeting times and venues, transport information, weather information and other necessary details should be noted in your itinerary. You should consider giving a loved one copy of the itinerary so they know where to find you if anything goes wrong.

 

Make necessary travel arrangements early

 

It is advisable that you ensure that you start making necessary travel, rental and accommodation arrangements well before you travel. It could prove a costly thing to wait right until you are about traveling before you commence, as holidays and religious events can make things a bit difficult. A corporate travel agent can help in getting things right. Differences in business hours and work week should be noted.

 

Travel light

 

You will do well to ensure you keep what you take on your trip to only those things that are essential, except you do not mind been charged extra fees by airlines. Besides, you do not want to be dragging heavy bags around on a business trip. Leave behind those things that you can afford to do without.

 

Be punctual

 

The main reason why it is usually advised to keep your meeting schedule flexible is to prevent lateness, as it is greatly disapprove of in some countries. For example, it is considered insulting in Japan to arrive late for a business appointment. Whether approved of or not, try your best to arrive early — first impression matters.

 

Take care of language

 

It is likely that some of those you will need to meet on a business trip may not be able to speak the language you understand and speak well. You should endeavor to confirm this well ahead of time. This will enable you make arrangement for a translator. It is a risky thing to rely on your basic knowledge of a language since technical ability in a language is usuallyneeded4biz

Understand a bit of local customs

It is helpful to have some idea of the customs in the country you are visiting. Things you consider normal in your home country may not be viewed as such. A nod may be interpreted as a way of saying “yes” in most countries, but it actually means “no” in Bulgaria. You should try to learn forms of traditional greetings ahead of time to avoid acting out of place. Also, it is considered an insult in some cultures not to give a gift, however surprising as it might sound. Guidebooks can help avoid committing faux pas that could ruin your trip.

Get sufficient sleep

Don’t forget to try getting as much sleep as possible. A good sleep will help shed stress and refresh your mind for the task ahead.

These tips should help ensure that your business trip does not turn highly stressful and daunting. It goes without saying you have to be presentable when going for meetings.

Movies that embrace Faith and Spirituality

Many films on the market today do little to inspire our religious beliefs and it can be quite disheartening when one wants to watch a movie that reminds us of the goodness in our hearts and reinforces are faith. But, the good news is that there are such films around and we have composed a list of our top 5 favorite such films, giving a brief low down on why they will touch your heart and remind you how lucky we are to have God in our lives.

For the bible tells me so

This film/documentary explores the intersection between religion and homosexuality in the U.S. The film introduces Christian families that have embraced their gay children and the film goes to great lengths to show true humanity and understanding from both sides of the debate. This film depicts a true compassion towards everyone and helps rebuild the true meaning of love and understanding to others, exactly what true faith should be all about. The film was also nominated for many awards and was released in 2007.

faith and spirirtuality

Jesus Camp

The youngest foot soldiers for the Lord are shown in their native environment in this documentary. Becky Fischer is a children’s pastor who runs “Kids on Fire,” a summer camp for evangelical Christian children in North Dakota. Fischer believes in the political and moral importance of a Christian presence in America, and uses her camp to reinforce the religious training most of her charges are already receiving at home. A great and honest insight into the impact of Christianity on our youngsters. This film was released in 2006.

Jonah – a Veggie Tales movie

This film is a great one for the kids and is entertaining, funny and yet maintains an important moral message throughout. One of the best-known stories from the Bible gets a new and decidedly playful retelling in this animated comedy, the first feature film from the creators of the popular video series Veggie Tales. Archibald Asparagus stars as Jonah, who is chosen by God to help spread his message to the world. A Veggie Tales Movie was released in 2002.

Black Nativity

This film is humorous, funny and heartwarming. In a contemporary adaptation of Langston Hughes’ celebrated play, the holiday musical drama Black Nativity follows Langston, a street-wise teen from Baltimore raised by a single mother, as he journeys to New York City to spend the Christmas holiday with his estranged relatives Reverend Cornell and Aretha Cobbs. The subject matter is important and relevant and will leave the viewer feeling a soft warm glow after watching. Black Nativity was released in April 2014.

These films are sure to give you some enjoyment and there are not only good films around that promote faith, there are some great commercials that remind us of our faith as well. A good TV commercial production can also make you smile and lighten your day.

God Will Protect All

protectionAn individual with a strong faith usually relies on God for everything. Examples of relying on God include becoming well when illness strikes, family problems, loss of a job, etc.

However, when these situations arise in the life of the faithful, they not only depend on God, but also what is provided to help the individual through these challenges. Those provisions include medications to aid in the healing or professionals who help families with their problems, etc.

Therefore, to aid in a person’s protection, they may wish to research stun guns such as the Guard Dog Diablo 2. However, before purchasing such a device for protection it is important to know how these devices operate, what happens when they are used and features to look for when thinking about purchasing.

A stun gun is a self defense weapon now available for citizens in the private sector. A stun gun delivers a high-voltage and low amperage jolt of electricity. This is a non-lethal device and is simply meant to deliver this high-voltage energy, when touched against the attacking individual’s body, will incapacitate them.

It accomplishes this incapacitation because it relates to the biology of an individual. This is due to the fact that the human body utilizes electrical impulses as delivered through the central nervous system. When there is a disruption of the electrical impulses to the body, there is a subsequent temporary paralysis because of the disruption of the electrical impulses as delivered throughout the body. This creates a temporary paralysis of the attacking individual and allows for the person being attacked to get away and get help.

If an individual who has this device on their person sees an individual approaching and it appears to be a threatening situation, they can have this device ready to be utilized. The device is simply placed on the individual’s body and the trigger or button is pulled or pushed to release the high-voltage into the attacker.

Of course, as with any product, there should be training in the use of such a self-defense non-lethal weapon. The training should include the proper use of the stun gun, how to prevent yourself and others from being hurt by this product, when it is good to use this product and when are those specific times that the use of this product is not indicated. For example, if the attacker has a weapon which may cause a life-threatening situation. Therefore, it would be wise not to fight back unless otherwise indicated.

Finally, it is important to know that there are many products on the market. The consumer interested in such a product should do their research and find out what products may be better suited for their own personal use as well as why they wish to have a stun gun.

Examples of specific accessories that may be built into the stun gun include the accessory of a high LED flashlight that can be used at night. This may be particularly useful if the gun is to be stored in an automobile or the possibility of it being needed at night. In addition, some units contain a device that will help to shatter a car’s window in the event that the power windows have lost a battery connection or in the event of emergency.