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How to Buy the Right Curtains to Match Your Style

Whether you have just bought a new home or you want to upgrade your current room, purchasing curtains is one of the ways to elevate the style of your home with ease. Curtains don’t only give your space a new feel and look. They are also practical at the same time. With several tricks and tips, you can save money on curtains.

If you are out to find new curtains but confused with the options available, below are some of the things you should keep in mind to buy the right curtains that will match your style:

Know Your Needs

Before you choose a certain style of curtains, you have to know where you will use your curtains and their functions. Curtains can make a room cozier and a lifesaver on a lazy weekend morning.

Determine the Fabric of Your Preferred Curtains

Now that you have decided about what you need, it is now time to find the right style. It includes choosing the fabric of your preferred curtains or choose from professional Curtains & Blinds Manufacturer.

You might want to consider curtains that are 100% linen, which look dreamy in a house with a beach theme. However, linen fabrics are dry clean only like velvet and heavier silks. If you have small pets or children, you might to consider a washer-friendly cotton blend fabric.

Patterns, prints, and colors are important to consider. In other cases, curtains may blend in with your décor. However, in some cases, you might like them to make a statement or stand out. Dark colors basically add a dramatic flair to any room. However, darker colors may also fade once exposed to direct sunlight for most of the day. In this case, you must purchase curtain liners. There are times that they are built to curtains themselves. Lining curtains will help you save money in the end through extending the look and life of your drapes.

Know the Right Length for Your Curtains

Floor length curtains are perfect in any room. Exceptions could be a child’s room or kitchen where floor length drape might get in the way. If you want a cleaner look, let your curtains fall to where they tough the floor and have them hover about an inch above. This is a perfect length if you will be closing and opening your curtains a lot. If you want a dramatic look, let the curtain panels extend with a couple of inches floor length.

Know When to Purchase

If you are a savvy shopper, you know that there is always the best time to purchase everything. Generally, it is when the retailers slash prices to make room for the new stocks. In case of purchasing curtains & blinds in a manufacturer, a good time to buy is in January. It’s the month when retailers offer sales on types of linens. When you buy during sale season, you can purchase luxurious brands at cheap prices.

With those tips in mind, you will be well-prepared to find the right set of curtains for your space. If you are a savvy shopper, there are great deals you can take advantage online.

The Australian Market is Loving Honda CR-V

Honda CR-V is the 5th generation of SUV to wear the badge that has racked up more than 9 Million unit sales across the globe. This is the reason why the Australian market also loves this wonderful car from Honda. When it comes to practical, safe, innovative, spacious, and comfortable cars, Honda CR-V offers value for money.

Below are some of the reasons why Honda CR-V should be your next SUV:

Safety

Every Honda CR-V is packed with exceptional safety features according to reliable Honda dealers. They benefit from 6 airbags, trailer stability assist, and tyre-pressure monitoring. Its suite of safety systems work in unison to decrease driver workload and boost occupant safety with ACC or active cruise control that works in a bumper to bumper traffic. It has also systems that take over to bring the vehicle safely to a stop in case of emergency. Plus, the range of Honda CR-V gets a 5-star rating from ANCAP, Australian safety testers.

Interior

Honda CR-V’s well thought out look extends to its interior. It has a sharp dynamic look to its body architecture. It also has a sense of well-proportioned style that also carries through the best interior presentation.

The new Honda CR-V comes with a clean and smart design presentation, complemented by good support and seat comfort. There’s an upmarket feel in the choice of the soft-touch coverings and trim materials on majority of surfaces like a tactile steering wheel with cruise and audio controls.

This 5-seat SUV offers the best back seats when it comes to foot space, legroom, headroom, amenities, outward visibility, and storage. The seats also recline and the occupants of back seat have their own air vents and USB ports.

Styling

Being sensible does not really mean getting rid of the style and if there is any car that proves that, it is the Honda CR-V. Because of its bold details, powerful stance, and muscular metal, Honda CR-V is made to stand out at the shopping mall, on the open road or in the city.

Looks can be subjective, but Honda CR-V is the best looking Honda in some time. It has longer wheelbase, which reduces overhangs. Its rear wheel arches are flared and windows are raked but big. The bonnet is also stylish and its vertical tail-lights are spunky. It has good proportions, squat stance, and presence.

Technology

Most of you expect a lot from the cars these days and Honda CR-V got you covered thanks to the long history innovation of Honda and value for money. It extends to the different technology features you can find in the vehicle’s cabin. Some smarter touches include handy walk-away lock system that secures the car. Unique to Honda CR-V are Android Auto and Apple CarPlay as standard. It means that whatever smartphone you use, it easily and quickly connects to the car so most apps can be controlled safely through hands-free or central touchscreen.

Performance

Honda CR-V is powered by turbocharged 1.5L engine that incorporates famous Honda technology for fewer emissions but more performance.

When to Hire Debt Recovery Lawyers

If you have a huge stack of unpaid services or fees from your clients, your company might be facing a problem; not enough flow of cash to support your daily operation. If this happens, then you might end up having a big problem. That is the reason why as a business owner, you should keep a good track of every unpaid service or fee that you have. As much as you would want to handle the payment yourself, you still need to focus on various other function that needs to be done in your company. The good part is, you do not need to handle the whole entire payment yourself. You can always hire a debt recovery lawyers to handle this matter for you.

When should you hire a debt recovery lawyer?

Of course, the first step that you have to do is to try to contact the debtor yourself. Try contacting them using e-mail, telephone, or try to set up a meeting with them. Your debtor will be much more likely to cooperate and pay you back if you do not show a sign of hostility.

You can also try to negotiate with your debtor. Some of the debtors might be able to pay you a smaller amount of money over an extended period. If you think that you have gained your revenue only with that half amount and that you do not have the resources to pull or pay a debt recovery lawyer, then this might be a good alternative for you. Of course, this means that you have to do your due diligence to verify the statement that your debtor gave you.

Another reason that it might be better if you try to handle this on your own is that lawyers will cause you a huge amount of money. There will be a minimum fee that is applicable in addition to all the extra charges such as consultation charges, or any court-related fees that might be tied to the case itself.

If your attempt has been ignored studiously by your debtor, then you can choose whether you should hire a debt collector or a lawyer.

Debt collector or debt recovery lawyer

Both of them are essentially third-party companies that you hire to help gain your money back. The difference lies in the method that they would use in order to gain it back.

It is true that collection agencies tend to cause less than a debt recovery lawyer. Agencies have an automated system that follows up with your debtors. There is also so many choices of debt collectors that are available for you to hire. This means you can easily make adjustments and choose according to your business size as well as the budget.

However, the disadvantage that debt collection agencies have over debt recovery lawyers are you are not really sure what is the action that they take to recover your money. Although there has been a law that was recently passed to prohibit debt collection companies from doing anything illegal, you are still not a hundred percent sure with their actions.

Debt recovery lawyer, on the other hand, is much more expensive than a debt collector. However, there are a few advantages that debt recovery lawyers have.

Your lawyer will be able to give you a practical assessment of your case. It helps you in making a judgement and planning your next move. The lawyer will be able to give you a fully comprehensive view of what legal action you should take in order to get your money back.

Even though debt recovery lawyers tend to be more expensive than debt collectors, their fees tend to be more transparent. Dependable on the firm, your debt collectors might charge you an additional amount of fee, or may even take a certain percentage of your money as their fee once they have recovered it successfully.

The most important advantage that your lawyers will have is that they will be able to take legal actions to recover your money back. If you decide to go to court over your case, then your lawyer will be able to file for administrative wage garnishment. This means that you will be able to get your payment back in the form of installment by cutting off a percentage of your debtor’s salary.

You will also be able to seize the property of your debtor if you would like to. This is one advantage that you will have over choosing to hire a debt collection agency.

Takeaway:

There are a lot of measures that you can do in order to gain your money back.

When it comes to choosing which one that you would like to hire between a debt collector or a lawyer, then you have to see their track record.

Because hiring a lawyer tend to take a bigger amount of resources rather than hiring a debt collection agency, many companies resort to mixing both of them. Companies can opt to hire a debt collection agency first. If they could get their money from the debt collection agency, then the case would stop there.

However, if they fail, then the company would choose between settling the debt with the debtor, or hiring a lawyer to sue the debtor. There are many decisions that have to be thought over when it comes to hiring a lawyer. Business owners should decide whether it is worth putting a huge amount of resources and whether the amount of debt is worth throwing away those resources. If they do, then they will hire a lawyer.

Even when it comes to lawyers, they would try to solve the problem in a one on one fashion first. Only when it is not effective that they will bring the case to the court.

Things to Consider Before Turf Laying

A beautiful and well-maintained lawn is truly enviable. Many homeowners dream of having a lush green paradise in their yard all year round. Fortunately, this easy and complete guide can give you a rich turf in no time.

Season to lay turf

In Australia, different kind of grass varieties like Sapphire Buffalo, Couch and Kikuyu are chosen because of their year-round durability and general drought resistance. Although, even these tough ones prefer a particular time of the year than others.

  • Spring. The best time of the year to lay the turf. The weather is not too hot and rain is expected to grow your grass.
  • Summer. The weather can get scorching during the peak of the summer season. It’s a good thing that Buffalo grass can is tough enough to withstand the heat, but it requires watering every day. Remember to keep the roots moist.
  • Autumn. Like spring, fall is a good time to lay turf. See to it that establish the grass before the cold really hits.
  • Winter. It is best not to lay down grass turf in the coldest of season, 13 degrees Celsius and below. In areas where winter is milder, you can lay down turf as long as the ground is perfectly prepared.

Preparing your lawn.

  1. Measure your lawn. Do it twice to be sure. There is nothing more frustrating than finding yourself a few rolls short. When ordering give a five to ten percent extra for trimming.
  2. Pull out weeds or remove the existing lawn. You may use a weed killer to treat and let go of the unwanted grass. This should be left around 14 days. Instead of a weed killer, some prefer a healthier approach. They use a turf cutter, and then the green waste can be used as compost or placed in a waste recycling centre specific for turf.
  3. Cultivation is required. If you can, the soil you should have is sandy loam, a mixture of sand, silt and clay. This type allows for good drainage and nutrition.
  4. Level the surface by raking. The surface should be smooth and firm but not too compact. If its too loose then gently pack it by walking on top of laying boards.
  5. Testing the soil pH. It should be between 6.0 to 7. If the soil is too acidic (low pH) add some ground limestone. If the soil is too alkaline (high pH) add some garden sulphur or acidic mulch.
  6. 6. Pre-fertilize the soil. This will help in the long-term success of your turf. Sprinkle it evenly on the ground.

Turf laying process.

  • Order the best variety of turf you can. Better quality products are easier to work with and give better results.
  • Lay the turf immediately. It should be within 24 hours when the product arrives. If you can’t lay it quickly, put the rolled turf in the shed and remove any covering.
  • Start by unrolling a whole strip around the edges of your lawn. Avoid using small patches since they dry down faster. Lay the strip similar to brickwork. Avoid stretching the turf. Pack down the grass once it is laid out. Don’t step on the newly planted lawn for 2 to 3 weeks.

Watering

Watering is encouraged as soon as you finished laying the turf. It might need more water during the summer season.

Fertilize

Applying fertilizer should be done every four to six weeks. Equal levels of Nitrogen, Potassium, and Phosphate should be excellent. As a rule of thumb, little but often application is better.

Mowing

When it’s time to mow the lawn, make sure to use a sharp blade to prevent uprooting the grass. Cut 1/3 of the leaves; this should be enough when doing the first time. You’ll know when to mow if the grass when pulled will not be lifted together with the turf. Alternate the direction of mowing. Clippings can be left behind if minimal, to bring back more nutrients to the soil.

A healthy lawn requires balance. Air, food, water and sunlight should be maintained appropriately.

What is an Auditor?

What is an Auditor?

In the world of accounting, an auditor is significant. An auditor is a professional person authorized and verified to review the accuracy of financial records and ensures papers to comply with tax laws. They are to protect businesses and other companies from frauds and liabilities. They are pointing out discrepancies in the accounting methods and strategizing ways to increase operational performance. Auditors work in different capacities in different industries.

HOW DOES AN AUDITOR WORK?

Auditors are expected to be unbiased and independent. They are responsible for things:

  • Managing the performance and financial audit investigations
  • Verifying company’s assets and liabilities through checking the documentation and transactions, financially related records, annual reports and financial statements
  • Making conclusions on the results of cheque books
  • Examining, understanding, and appraising some of the management strategies, practices and exercises following the financial situation of the organization.
  • Implementing analytical procedures on the company’s statement balances and activities
  • They are assessing the possible risk and management controls.
  • Performing written conversations with debtors to certify the amount of possible debt
  • Completing all audit questionnaires
  • They are maintaining professional knowledge by attending educational classes, workshops and programs in regards to accounting techniques and ethics. 

TYPES OF AUDITORS

  • INTERNAL AUDITORS

Internal auditors are those who are employed for professional firms outsourced by client companies. Internal auditors mostly work in private sectors to improve the efficiency of the businesses and recognize where processes are not working as they should. As well as assessing financial accounts, they also look at aspects of the company such as environmental sustainability, ethics, growth and reputation.

  • EXTERNAL AUDITORS

External Auditors usually work in affiliation with government agencies to carry out obligatory audits of the public sector. They are also called to scrutinize the finances of private business, especially those working in association with governmental bodies. 

  • GOVERNMENT AUDITORS

Government Auditors are the ones that keep and examine records of government agencies of private businesses or individuals conducting subject to government regulations or taxation. They ensure revenues are received and spent according to laws and regulations. They detect robbery and fraud, analyze agency accounting controls and evaluate risk management.

  • FORENSIC AUDITORS

Forensic Auditors requires a diverse set of skills. They are also called investigators and can elicit useful information by questioning suspected witnesses and wrongdoers. They are specialized in crime and are helpful by law enforcement organizations. 

SPECIAL CONSIDERATIONS

Auditors are not accountable for transactions that occur after the date of every report. Moreover, they are not necessarily required to discover all instances of fraud and financial misinterpretations- that primarily lies in the organization’s management team.

Auditors don’t belong to the management team of a particular company which means that the responsibility for financial statement presentation. 

To summarize, an auditor has to express an affirmation on whether the company’s accountant has included in the annual report and financial statement the fair information about the company’s activity. The career of an auditor is quite esteemed yet demanding and risky. It involves a lot of opportunities and constant personal development. While an auditor’s job requires so much effort, it is always worth it to be part of this prestigious vocation.

Why Would You Consider Working Freelance?

What is Freelance?

Freelance work is doing your regular job but not under any employer or business firm. Usually, a freelancer provides service to different companies or businesses on their basis.

Reasons Why People Freelance

Extra income. For workers who have a regular job in the daytime, let’s say a school teacher for an 8-5 job,  you can have an extra 2 hour of your time to freelance as a tutor. The added income can benefit you in many ways in the future.

Flexibility. Freelance jobs can give you a lot of flexibility, such as what time do you want to work, it can be home-based, you don’t need to follow dress codes strictly, and the best of all you can choose which job will you accept.

Independence and growth. Doing freelance can both develop your talent more in doing your craft or mastery for your job. If you are an actor and want to try freelance, chances are you will train more to do the part better to get the role.

A career breather. Not everyone who walks in freelancing keeps their regular job; some find it better than to stick in their monotonous corporate tasks. And some will completely change what they do to go on a career that they are dreaming of. A nurse can become a chef; a flight attendant can become a fashion model or a marketing agent to pursue writing.

Less stressful. Many people who chose to freelance is due to lesser stresses. You don’t have to think of competition or promotion since you are your own boss.

Work / Life balance. A bulk of workers who are now on freelancing jobs have better work and life balance. Most of them have their jobs based on their homes, creating a relaxing atmosphere, thus increasing productivity. Increasing productivity means finishing projects faster.

US vs. China Trade Wars

The US-China trade war is an unending economic conflict between two of the biggest national economies in the world, the United States and China. In 2018, US President Donald Trump started to set tariffs on China together with other trade barriers with a goal of obliging the other county to make changes to what the United States claims to be unfair trade practices. Some of these trade practices and the effects they make include intellectual property theft, increasing trade deficit, and forced the transfer of the technology of America to China.

Ever since the 1980s, Trump has been advocated tariffs to lower the trade deficit of the US and encourage domestic manufacturing, stating that trading partners are ripping off the country. The imposing tariffs became the major plank of Trump’s presidential campaign.

Even though some politicians and economists argue that the persistent trade deficit of the US is problematic, most economists argue that this isn’t a problem and only a few people advocate tariffs to be a solution. They cite historical evidence that there will be no winners if tariff conflicts continue to escalate.

In the US, the trade war also created struggles for manufacturers and farmers and increased prices for the consumers. This also resulted in economic damage in other countries although there are certain countries that benefited from the increased manufacturing for filling the gaps. This also spurred the instability of the stock market.

Governments of certain countries such as the United States and China have taken the necessary steps to address some damages. The US vs. China trade war has been receiving criticisms all over the world. In the United States, agricultural organizations and businesses have been crucial as well although many farmers continued supporting Trump. There are mixed responses among politicians in the US.

The trade war caused deterioration in the relationship of United States and China as both countries exchanged tariffs for over a year while Trump continues to threaten China without any resolution in sight. The China and US are locked in a bitter trade battle.

The two biggest economies of the world have imposed tariffs on billions of dollars worth of each other’s goods. The US President Trump has accused China of some unfair trading practices as well as an intellectual property theft. In the country of China, there’s a perception that US tries to curb its rise. The negotiations are still ongoing but challenging at the same time. The uncertainty is weighing on the worldwide economy and hurting businesses from the different parts of the world.

What are the Imposed Tariffs?

The tariffs policy of Trump aims to encourage the consumers to purchase American through making the imported goods costlier. US have imposed tariffs on more than $360B of Chinese goods and China retaliated with tariffs on more than $110B of US products.

Last year, Washington delivered 3 rounds of tariffs and in the fourth round was in September. The latest targeted Chinese imports with a 15 percent duty include meat and musical instruments. Beijing hit back with tariffs that range from 5 percent to 25 percent of US goods. The latest tariff included a five percent levy on the US crude oil, which is the first time fuel was hit in the trade battle.

Practical Benefits of Platform as a Service (PaaS)

The cloud is growing exponentially in today’s society. It created so many benefits for school systems, hospitals, offices and business establishments. For those of you who are still unfamiliar with how the cloud works let’s give it a little background.

What is the Cloud?

The cloud is an online storage in its simplest term. You can store any information and retrieve it using an internet connection. It also allows a program or software to be used with its so-called cloud computing technology.

Three services under cloud:

  • Infrastructure as a Service (IaaS) – for IT administrators
  • Platform as a Service (PaaS) – for Developers
  • Software as a Service (SaaS) – Business users

PaaS is a form of cloud service where people can promote, expand, operate and run applications which target application developers and application operators.

PaaS provides application infrastructure (middleware).

Includes:

  • application servers
  • database
  • business analytics services
  • integration brokers
  • business process management systems
  • and complex event processing systems

These things assist in writing applications.

In PaaS, the cloud provider will be responsible for installing, configuring, and operating the whole operation infrastructure leaving the application code only to the customer.

Practical Benefits of PaaS

Cost reduction

  • Servers and storage – Instead of the traditional costings on servers and labour works on creating software (writing and testing), PaaS will take over these things and will let the budget focus on how to develop the application.
  • Network traffic – testing stages of applications and software take lots of bandwidth in a data centre. This is where the cloud comes in handy because it enables the test to its system.
  • Maintenance – to keep any program up and performing to the best condition, IT personnels needs to monitor and update everything regularly. This can be costly and laborious at the same time. PaaS will do all of this duty.
  • Other factors – human error and careless mistakes are greatly reduced when using PaaS. By giving a development tool and middleware, you can hire personnel who only knows how to code applications and not the whole thing.

Improvement on

  • Agility – the faster you develop an application the better it is for the company. In a highly evolving business market, one must build, deploy and iterate in a couple of days not years.
  • Flexibility – react to changes and opportunities since the budget is not focused on development nor deployment of the whole system.

Get the latest technology

Most of PaaS is run, maintained, developed and supervised by top companies in the world. They hire the best people in the industry and pay hefty amounts to keep on advancing their systems.

Tougher Security

we all know that security threats are almost present everywhere we go, PaaS systems are equipped with specialists that protect it every time. Regular updates, system checks and security codes are automatically sent to customers by patches.

Conclusion

Building and running on PaaS will give you the latest technological advancement in creating applications. It will help you and your business to maximise your potential easier, safer and more economical.

Qualities of a Reliable IT Support Provider

Qualities of a Reliable IT Support Provider

It is a must for businesses of all types and sizes to find a reliable IT support provider. Having an effective and reliable IT network at your business is crucial to ensure continued growth and more efficient operations. This is the reason why it is a must to know the top qualities you have to look for in an IT support provider to ensure that you will get the benefits and valuable services you need and deserve.

Proven Experience

IT support providers must have a proven expertise and experience dealing with certain systems, solutions, and programs integral to the success of your company. They should also offer insightful recommendations on new IT infrastructure and assets that can enhance your IT operations. Make sure you ask for references from existing clients who could have encountered similar IT concerns like yours. You have to take your time asking about the technicians’ qualifications particularly when you have dedicated remote or onsite technicians for your account.

Industry Expertise

One important quality to look for in an IT support provider is the experience they have working with companies that belong to your industry. There is a chance that they already have a few clients from your industry sector. This means that the provider is already well-equipped in handling any IT concerns your company may face. Also, they can make particular recommendations for suitable IT solutions that worked well with other clients belonging to your sector. Always take your time in clarifying the experience they have in working in your industry sector. Ask for references as well from some of their clients.

Pride in Complete and Speedy Resolutions

Time is indeed money in today’s frenzied business world. This is why any IT-related concerns that halt or delay operations can have a dramatic impact on the bottom line of a company. As a result, you have to ensure that your IT support partner focuses on providing complete and speedy resolutions to IT problems as point of company pride. A reliable IT support provider should have these qualities because quick and shoddy solutions may only do more harm than good down the road.

Proactive Approach

A good IT support partner doesn’t just wait for something to go wrong with your IT before showing up to fix it. This is what you call the break-fix model. Instead, they will use firewalls, agents, and other sources to monitor and protect your network. These crucial tools will automatically update your different IT assets to prevent most IT issues from happening in the first place. The proactive approach will focus on future-proofing your IT network for it to run securely and smoothly. This method significantly reduces the amount of downtime because of frequent IT problems together with the substantial costs linked to it.

Most Important Priorities of Homeowners Who Choose to Sell House Fast

So, you finally decided to sell your house. It could be because your needs changed. Or maybe you want to relocate somewhere new. It could also be because your personal, family or financial situation dictates this move. Or for all you know, you just want to experience how it is to live in a different place like Fort Worth, Texas.

No matter what your main motivations or reasons, in all the various circumstances, homeowners actually share some common if not similar priorities when it comes to the real estate process and the result they want.

According to the experts and based on studies, there are in fact three essential factors consistently mentioned. These include the hope to have the highest sales price possible, making the sale in the shortest and most reasonable period of time and going through the least amount of stress or hassle.

All these factors must be discussed in depth right from the get go that you decide to put your home in the market. You also need to thoroughly and carefully discuss these with your chosen real estate professional.

Highest Price Possible

Why will you not want to get the most out of your own house? For this, it is best to hire a real estate agent who can advise you and has negotiating expertise for you to have realistic expectations. However, you have to keep in mind that the selling price and listing price are two different things and your focus must be on the final price that your house will sell for.

It means that you need to use a well considered and properly formulated comparative market analysis to ensure that your house is priced right from the get go. Getting your house listed far too low or far too low can hurt its final price. If you will consider that the best and highest quality offers come in the first several weeks, wouldn’t it make sense to try getting the best out of the period of peak opportunity?

Shortest Time Period

All homeowners need to learn, appreciate and understand what the opportunity or cost of money really means. After you have decided to move, you have to know that there will be monthly expenses which are going to occur continuously until the closing date. It includes mortgage with the principal and interest considered, taxes, maintenance, escrow and others. When your house is priced properly from the start, you are going to get the finest opportunity to be where you like to be at the fastest time possible.

Less Stress and Hassle

In general, there is more than enough nervousness and tension involved in the process of selling a house. So why not decrease it to the least amount possible? Always keep the communication lines open with your real estate agent for you to be prepared and ready at every single stage. Listen and adhere to the advice they give. Raise questions if something is uncertain or unclear to you.…