Sep 17, 2018 - What To Consider Before Going To Design School

When it comes to the fashion industries, there are a lot of success stories from Versace to Prada but the glamor publications rarely talk about the hard work that goes on behind the scenes as well as a lot of diligence and effort. This applies both for fashion and interior design. So, what is it that you should consider before going to a design school/college/ university? Let’s take a look.

Personality

This is perhaps the first thing you should ask yourself. 1generally, fashion design is a very small field with lots of hungry potentials. The design field calls for loads of dedication, creativity and zero mediocrity. So, before you enrol for a fashion design school/college/university, ask yourself this, do you have what it takes to grab the bull by the horns? Can you handle the countless highs and lows? Do you have the strong organisational and communication skills needed to manoeuvre your way in the cutthroat world of design? If your answer to any of the above questions is no, then you may need to reconsider your decision to pursue a bachelor/diploma in fashion or interior design.

Passion

Design, whether we are talking about fashion or interior, needs a passionate person. So, if you have had a lifelong dream of becoming a player in design yet you cannot locate your sketches or you have your sewing machine covered in dust, then you might want to reconsider a career in design.

Talent

Design is one of those careers that need you to be talented first and skilled later. Edna Woodman Chase once said that fashion can be bought but style, one must possess. You cannot get into fashion or interior design since talent cannot be bought. It has to be nurtured and shaped since it can only be nurtured and shaped as it comes naturally. This is one of the most major considerations you should make when you consider enrolling for a bachelor/diploma in fashion or interior design.

The school’s reputation

When you are shopping around for the best school to turn your passion into a career, the first thing you need to consider is the reputation as it is very hard to be taken seriously even if you hold a bachelor from a little known school, I suggest starting by looking at this design college if you are serious about your career. This school offers all sorts of design courses and hold a high reputation across Australia and can help you build connections to get your foot in the door in the industry

The cost

Coco Chanel once said that the best things in life are free but the second best are expensive. This could not be more true where design is concerned. Design schools can be a little pricy. So, you have to be well-prepared, financially speaking. We are talking room, board, food, tuition and material needed for your projects.

Backup plan

Now, failure is never an option and it generally shouldn’t but let’s face it, sometimes, things just don’t go according to plan. 1when this happens, a lot of people might be inclined to simply throw in the towel but if you are a designer, it is in your blood. Get some of your designs on online stores if you are a fashion designer and you might end up making some money off it. If interior design is more your thing, set up a website and market yourself aggressively. Who knows, you might just be the next big name in interior design.

Aug 18, 2018 - What You Should Know Before Applying For A Low Doc Mortgage Loan

Every person has a dream to one day become a home owner but unfortunately, not every person is able to provide the required W2 forms, pay-stubs and more documents that your lender may require you to submit before qualifying you for a loan simply because you are a business owner and not a salaried employee. The thing is that a lender asking you for all these documents is usually a good sign. A great one actually since by asking those questions, a lender is actually trying to figure out the best mortgage loan you can qualify for. However, if you are unable to provide the documentation needed for a loan, then a low doc mortgage becomes a very attractive option for you.

You may be wondering why a person with an income might prefer a low documentation loan rather than a traditional loan. Well the main reason is that self-employed people prefer showing lower income for tax purposes but this simple act is not so viable when it comes to loan application. Apart from this, young workers who have no or low wage history as well as new business owners who cannot show a history of consistent earnings also qualify for low doc loans because with traditional loans, several years' worth of earnings is usually requires. Other reasons people may require a low doc loan is if an individual is a retiree living on an investment income and also the fact that finding and organising documentation can be a difficult task for anyone. Even people with bad credit stand a chance at accessing a low doc mortgage, business or even commercial loan which makes a low documentation loans quite popular. However, it is still important to maintain a good credit score if you intend on getting a loan or mortgage any time soon.

There are a number of features available on a low doc mortgage loan that ensure that you better manage your finances and pay off your debt sooner than later, for starters your mortgage loan may have options to have additional payments without incurring additional costs, visit this page for more information. Some low doc lenders limit the number of payments customers can make or charge a fee for this.

Interest only repayments: This allows you to make payments on the amount borrowed for a period of time rather than the principal of the loan.

Flexible rates: Some providers allow you to choose between a fixed rate and a variable one or even split your loan to be able to access different interest rate configurations.

Offset accounts: This means that you can use your excess accounts to offset the principal of the loan.

If you are a looking at taking out a private mortgage loan, you should know that third party guarantees, introductory rates and such are not services that lenders offer when taking out a private loan due to the fact that a private mortgage loan is generally considered high risk enough as it is, click here to find out more.

Therefore, offering these services is going to only make them more expensive since the lender would want to cover their bases and doing so would defeat the purpose of having a low doc loan in the first place.

All you need for your loan to be approved is:

  • Not to overstate your income.
  • Provide a clean credit history.
  • Work out how much you need to borrow.
  • Demonstrate a good asset to income ratio and
  • Ensure your paperwork is in order.

With the above listed in place, you should be on your way to owning your home sooner than you thought.

Aug 7, 2018 - Tips For Keeping Your Mercedes Running Smoothly

Financial advisors always say that anyone who considers a car as an investment is grossly misled unless the said person plans on using the car for business such as a cab or maybe a food truck. Unfortunately, the normal things we take for granted such as summer and snowy days that guarantee a much needed day off in form of a snow day may wreak havoc on your car in the long run. The last thing you need is to have to incur a cost to fix your car so soon after you got it especially if you went for a luxury car such as a Mercedes Benz. The good news is that there are a few seasonal tips you can apply to keep your car looking and running like a new one.

Keep an eye on your tires.

Tires are one of the most important components of driving yet they are the least monitored. Most drivers only pay attention to their tires when they have a flat which is just wrong. You should heck tire pressure treads at least once a week ensuring that they are fully inflated and free from any puncture holes. Keeping them inflated improves your vehicle's proficiency and performance.

Check your lights and wipers.

Keep a close eye on your vehicle making sure that you check the lights on a daily basis making sure that they work and they are bright enough.

Also, test your wipers monthly to see how well they clean your windshield and replace them as well as the lights as needed. This way, you ensure that you are both able to see and can be seen while on the road regardless of the weather or time of day.

Check your fluids, all of them.

Remember that smooth buzz when you first bought your car? Isn't it annoying to hear a strange noise coming from your engine or experience strained performance? Well, whether you bought a used Mercedes or a new one from a Mercedes Benz dealership. you would hate to experience this. Noises or vehicle strain are usually an indication of low fluid levels and if left unchecked, can lead to major repairs. Check your vehicle's coolant (especially during the summer), engine oil, brake and transmission among others. Your fluid levels should be checked every time you visit a gas station not just when you take your Mercedes for servicing.

Monitor your battery.

Car batteries have been known to wear down over time or start to corrode along the wires causing your vehicle to lose a proper connection. At least once every month, you should check your battery and ensure the connection is tight clean and not corroded. You should also replace your car battery every three or four years.

Employ your senses.

If you think something is wrong with your vehicle, then it's probably time to visit your local Mercedes mechanic for a service, I get mine serviced in Richmond but you can find out more info here on other servicing dealers. A simple checkup may often suffice in may situations but it's always best to ensure you get a full service every year or so. The best way to know whether you need Mercedes servicing or not is simply to be alert for the slightest changes. Turn down the radio and put way your Bluetooth headset and simply listen for any noises as you drive. You should also walk round your vehicle just to observe it, seeing if there is any fluid leakage or foul smell.

Jul 29, 2018 - Tips for Finding a Great Home Renovation Team

Deciding to renovate your home is a major decision. You can expect a lot of planning and budgeting to be involved. Renovating a house can increase its market value and also make it better suited for your comfort and needs. To have quality work done, it’s important that you work with great renovation teams who can deliver quality work. Before you decide on which team to work with, pay attention to the following tips.

General Factors to Look Out for with House Renovations

There are a number of important factors you should be looking at when hiring a renovation team. You can find these from a variety of sources including directories, online searches, local listings, and through referrals from your friends and family. Once you have a few options you are considering, you can compare what they offer and how that matches up with your needs. Here are some great tips on what you must look for:

  • Proven expertise and track record. You need evidence of past home renovations that the team has completed successfully, you can get a good idea about their renovation capabilities from their portfolio or by visiting their website. It also helps when they have great reviews and previous client testimonials to confirm their work.
  • Commitment to quality. Quality is an important consideration. Better quality work means better finish and appearance, fewer repairs, and better safety.
  • Proper estimates and documentation. A renovation contract is a major piece of work, so the contractor you work with must be able to provide proper written estimates and documentation so that the agreement is kept on record and meets professional standards.
  • Licensing and certifications. There may be some applicable contractor licenses and certifications that you may want to see. These help to show the professionalism and credibility of a team as do membership in various relevant organisations.

Special Considerations for Kitchen Renovations

There are also some additional considerations for kitchen renovations, you must make sure the team completing your kitchen makeover has the necessary experience and expertise to handle the large job, click here for more information on an experienced kitchen renovation team.

If you are planning to have your home renovated, the kind of results you can expect really depends on your budget, your planning, and the kind of contractors you opt to work with. Make sure you find a service that meets the general tips above. Some of the soft issues you can also look out for include great communication, transparency, good customer service, and general professionalism. A renovation project requires a lot of back and forth communication and feedback as well as some compromise and leeway, so it is vital that your contractor is easy to work with.

Special Considerations for Bathroom Renovations

All the points covered above apply to general house renovations, but there are some special considerations when you are looking to have just your bathrooms renovated or alongside the rest of the house. When looking for bathroom renovations in Melbourne, it is more important than ever to pay attention to the quality, experience, and licensing of the renovation team you hire, you should only work with bathroom specialists who understand what they are doing in terms of plumbing. Additionally, be sure they are selecting appropriate materials, workable designs, and safety measures. With a great renovation team, your bathroom can be transformed into a modern and stylish new version.