Good News for Australian Expats

australian expat home loansMoving to a new location is quite exciting and sometimes scarey. Prospects of greener pastures in lifestyle, work or just new experiences make it worthwhile. Just because one has moved to a new country, you need not cut all contacts with the mother country. In Australia, financial institutions understand that a non-resident may still be interested in acquiring a property for investment in real estate or simply for maintaining familial links.

For their reason, they provide home laons to Expats like from Pelican Finance. Thanks to these loans, Australian citizens who live overseas continue investing in the country`s property market. The loans enable an applicant to refinance their current mortgage as long as one secures it with an Australian property. If you are looking to take advantage of this financing you should speak to an expert first. The reason for this course of action is so that the entire process can be simple and straightforward. Often, applicants find it difficult to understand lending guidelines.

Fortunately, experts in Australian Expat home loans are available. One should conduct a thorough background check to ascertain that the expert holds a licence from Australian authorities and is legitimate before settling for any particular specialist. Go through the guidelines discussed below in order to decide on the best financial broker or adviser.

Amount of Loan
The amount of credit awarded depends on your financial position. If an applicant has stable employment, an excellent credit history and high income, they can borrow between 90% and 95 % of the property`s buying price. This treatment is applicable to Australian non-residents working overseas, Australians living abroad and married to foreigners, or those currently staying in Australia but wish to relocate overseas later. For one who does not provide enough documents to establish their foreign income, their borrowing is constrained to 80% of the property`s value.

How to Prove Income
When the question of interest rates arises, that of determining foreign income arises as well. To show foreign income, one merely needs to provide foreign tax returns and pay slips. Regardless of the language used in these documents, several financial institutions have translators to translate the details contained in them. One needs not worry about the language barrier. It should not be an obstacle to mortgage finance. Some lenders accept a letter from a borrower`s employer for a loan not more than 80 % of the total property value. This route can act as an alternative for one who works in a country where formally written payslips do not exist.

Interest Rates
Contrary to popular belief, a non-resident does not pay higher interest rates to acquire the loan. The only instance that the interest rate can be higher is when the non-resident fails to prove their foreign income. However, a number of banks favor residents when it comes to discounts on the loans. This observation does not mean that expats cannot enjoy discounts as other financial institutions also consider them. The key is to locate those who slash interest rates for expats and residents alike. Consultation with an expert who deals specifically with expatriates will help you obtain finance.

Advantages of Expat Home Loans
The best part about the loans is that they are easily accessible and do not require individual approval by the Australian Government. This source of financing is reliable, trustworthy and does not attract high-interest rates for an expat. One can even get discounts at a number of financial institutions. Since we work via online platforms, you can apply for the loan within the comfort of your own home, by just uploading the necessary documents and providing required information. It is important to have a financial broker who is formally qualified, experienced and licenced in Australia and specialises in Australian Expats since the lending guidelines and application process for expats differs somewhat to that of a resident. You can have the security and peace of mind knowing that the lenders we recommend are blue chip Australian Banks and Lending Institutions.

In summary, an individual can quickly access Australian Expat home loans. The bottom line is to have an experienced and qualified Australian Expat specialist

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Why Should You Choose Graphic Design Services of Creative Noise Company?

For many years, Creative Noise Company has proved to be among the best companies offering people the best graphic designs that match the needs of the 21st. century. Through this, they have managed to attract a huge number of people who often prefer their services to other companies that offer similar services in Brisbane.

Why should you Choose the services of Creative Noise Company ?

First, you need to know that they are one of the vibrant graphic design agencies based in Brisbane that offers services for clients all over the Australia wide. This means that whenever you need their services, you will always get the best that you need. This has also helped them rank higher on top of many companies that may be offering similar services in Australia.

The company also enjoys meeting new clients with exciting projects, which they often make several creative noises about. This means that whenever you need a design, they will always make sure that they give you the best that the market offers.

They also have a team of professionals who have experience and will always give a unique approach and design style stems especially from over 10 years’ experience working in the same industry. They also have a diverse mix of unique skills and this has always been the distinguishing factor when looking for best options in the market.

The company also specializes in logo design, graphic design, branding, print management and web design among others. This means that whenever looking for any services, you will always get the best that match your needs. As opposed to other competing companies in the city, they have come out with a unique brand that has enabled them to beat their competitors in terms of the number of clients as well as the satisfaction of the needs of their clients.

You need to know that they offer fixed prices and have no scary hourly rates, which can sometime be expensive for the clients. Through this, the customers who have used their services have confessed that they are among the cheapest clients in the market. This means that you will always make huge savings whenever you need them when looking for a place to spend less for quality services.

The company has no secret about their LOVE FOR NEW GRAPHIC DESIGNS and this means that they will always give the best services that will match your expectation on any service that you might need from them. You should also remember that they have extremely creative designers and this means that they will always make sure that they come up with some of the best designs when looking for something that other companies in city can never offer.

They also specialize in working with you to get the best graphic design that you need. This means that you will always be there to make the necessary corrections that you need whenever you need them and this makes them the best in the market if you are looking for that amazing option in the market.

The company is mainly interested in the start-up companies that need a distinguishing brand in the market. This means that they will always give you the best services that you need when looking for the best designs from the city. The company also understands that the success of any good company has always been brand which commands attention at the same time showing the personality. This is why they have amazing packages design specifically to fit the need of these new companies.

What are the services that they offer?

The following are some of the best services that Creative Noise Company offers;

· Logos printing services

· Corporate Identity designs

· Brochures and Marketing Collateral

· Packaging services

· Advertisement Layout

· Signage services

· Annual Report and Corporate Identity Design

· Promotional Material

· Books and eBooks

· Social Media Design services

· Website Design services

· Print Management services

· And many More….

In conclusion, if you want the best graphic design that will enable you to redefine the looks of your company at the same time distinguishing your company from others in the market, then you need services of Creative Noise Company. They have handpicked remarkable services from their extensive design as well as development skills to offer what you need to take your company to the level in terms of brand identity.

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Parking Outside The Box

 

Superior options for long-term airport parking in Brisbane

 

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While the television commercials might make it look easy, with every travel holidays comes a number of hidden headaches that aren’t mentioned in the brochure. Are you packing enough clothes? Are you packing too many clothes? Who will pick us up from the airport? Who will look after the pets? Did you remember to bring the itinerary? Do we know how to exchange our money once we get there? Where’s the hotel located? How on earth are we going to get to the airport?

While everyone loves travel holidays, finding a way to get to the airport is even less popular than air travel itself. The most popular method currently is asking, begging or bargaining with a friend of yours to take hours out of their day to drive you out there. If you’re not lucky enough to have a friend on hand that is willing or able to drive you all the way out to the airport, your options are:

– Dragging your luggage on and off Brisbane’s most expensive train ride.
– Paying for an overpriced taxi to take you there.
– Driving to the airport yourself and paying for parking.

If you have to drive to the airport yourself, having to pay the exorbitant costs of long-term parking at the Brisbane Airport is often considered a necessary evil with no other options. Many people do not even realize that are other options available that charge a fraction of the price and offer superior services. But with a little bit of research, it’s possible to cut your parking bill by half or even more. Suddenly driving yourself to the airport is cheaper than taking a taxi, and you no longer have to rely on others to take you to the terminal.

Located just outside the airport are private carparks that offer acres of reserved parking both open air and undercover. Because they don’t have to deal with infrastructure cost, government bureaucracy and don’t act like they have a captive market, private carparks like Budget Airport Parking charges significantly less for the same service. BAP for example charges $96 less than the Brisbane Airport does for two weeks of undercover parking, a 47% saving.

Cheap Airport ParkingTo travel from the carpark to the airport, Budget Airport Parking provides a free air conditioned shuttle bus service. This service operates 24/7 and can be tracked using a free app or on the website. Given airport queues and the walking distance between the airport carpark and the terminals, it can actually be faster and more convenient to park outside the airport and use the bus service than to park inside of it.

Booking your long-term airport parking online is not only more convenient and guarantees you a spot; it can make your trip even cheaper. Rates at Budget Airport Parking can be as low as $6 a day, less than what you pay for a coffee in the airport lounge. As well as their low base price, BAP offers a number of special voucher deals for both short-term and long-term parking. Airport parking is often considered an extravagance for short trips, but with BAP long-term airport parking is the most affordable option. For example, Budget Airport Parking currently offers a $48 long weekend special for four days of undercover parking.

To protect from the weather, the more advanced offsite parking services have installed protective canopies made of composite materials in order to protect vehicles from hail, debris, birds, storms and UV sun damage. These protective covers ensure that vehicle remains safe while their owners are away, and that they don’t have to worry about coming home to a car covered in dents and debris. The benchmark for vehicle canopies in Australia is NetPro canopies. To quote from their website:

“The NetPro patented Pitch System uses a stable (non-stretching) net erected in a pitched roof pattern. The falling hail is directed down the valleys so as to exit the structure at allocated spacings. A pitch structure is best able to withstand heavy falls and is the “Rolls-Royce” of the net systems, and shedding the load reduces the risk of major structural failure during large hail events.”

Many people don’t realize airport parking doesn’t have to be an extravagant expense that can cost as much as your airline tickets. There are alternative options that allow you to park your own car for as little as $6 a day, and take a free air-conditioned shuttle to the airport. This is cheaper and often faster than parking at the onsite airport parking, and allows you total control of your vehicle.

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Buying pots online; the convenience and diversity in M Lennon pots and planters

Pots are a convenience for gardens in more ways than one. For starters, they serve to boost the garden’s beauty and orderliness, consequently boosting the whole property’s beauty. They also offer great convenience as they are ideal for planting plants and flowers.

However, with the fast pace at which virtually everything is moving, quality pots are becoming increasingly hard to find. Fortunately for garden owners, you can now find pots online as fast and easily as everything else.

Buying pots online
At M Lennon pots and planters, you can explore inventories of different kinds of pots coming in diverse sizes, colors and designs all from the comfort of your computer.
Unlike most other objects, pots can be highly manipulated to bring out any shape you may wish. However, how best this comes out depends on the potter’s skill, and also the quality of the soil used. Creativity is also crucial as the material’s versatility allows designing, and great designs make pots not only useful in the garden but also as furniture complements. The design, quality and texture of the pot complemented by a great design bring a natural and solid look to a room.

At M Lennon pots and planters, you are guaranteed of exceptional creativity as you can order pots online with up to 100 different designs on the same vessel. You are also guaranteed to get more conveniences like:
• Size
Depending on your needs, you can order pots as tall as 40 feet and not have to worry about delivery. You can also order ordinary pots or specify the size you want to perfectly suit your needs. You can also get much smaller pots like saucers and pot feet to serve other purposes other than growing, and all made in excellent quality.

• Shapes
A pot’s shape also matters a lot when it comes to appearance. As such, to suit different client’s needs, there is a wide variety of different shapes available to clients. You can order the classic rounds or go with the square pots. You can also order one tailored to your desired shape to perfectly meet your needs.

• Design
To add beauty to the pot, M Lennon pots and planters offers clients up to a 100 different designs, all of which can even be incorporated into the same vessel for different clients’ convenience. You get to choose the design you want and get it incorporated into your pot while also meeting other specifications like shape and size.

• Material
For different textures and looks, you can order pots made from diverse materials like fibre glass, terra cotta, Tuscan and bon fire pots among others.

The convenience that comes with ordering pots online
At M Lennon pots and planters, you are guaranteed of services and conveniences which cannot be found elsewhere. When you order pots online, you get to enjoy services that include the following:
• Delivery without deposit.
• Pots on credit.
• Fast delivery taking as short as seven days depending on distance.
• Free polished pebbles to serve as fillers during delivery. This guarantees safety for your pot.

To certify quality, each pot comes with a signature which not only portrays elegance, but also adds to design and beauty.

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Concrete Cutting and Core Drilling Brisbane

DIY vs Hiring a Concrete Cutting Service – including a Step by Step Guide

There is a vast variety of concrete saws and equipment that can be hired to do that pesky DIY project that you have always wanted to get done. But when should you hire a professional and when should you just give it a crack? To do your concrete cutting or core drilling job properly and on budget you will need: the right equipment, the right type – wet or dry, the right protection for yourself and the environment, the right skills and the right value for money. There is lots to consider, but if you read on and follow this step by step guide we can explore this in a little more detail.

Step 1.Choose the right equipment: For gener slab cutting Brisbane you will need a Floor Saw or Kwik Cut Saw (Hand Saw). This process is used when reasonably level and flat surfaces have to be cut and includes cutting through reinforced concrete, precast concrete, and other structural materials.

These surfaces include floors, roofs, bridge decks and suspended slabs. The surfaces are usually cut to provide expansion joints, to make openings for ducts, elevators, stairwells, machine pads, trenching and for demolition purposes.

For wall sawing Brisbane you will need a Kwik Cut Saw (Hand Saw) or Ring Saw. This process is used for the cutting of openings in vertical surfaces and surfaces with slopes so great that floor saws cannot be used.

These surfaces are usually cut to provide for doors, windows, vaults, silos, chests, foundations, ducts or large diameter pipes, or to remove part or all of existing walls. For core drilling Brisbane through a floor or wall you will need a core drill. Core drills can usually drill holes from 25mm dia – 660mm dia. This process is used for the drilling of circular holes in reinforced concrete, precast concrete, asphalt, brick, cinderblock and other structural materials. Usually the holes are made for electrical, plumbing, heating, sewer and sprinkler installations. Other applications include holes to anchor bolts or lifting rods, to place explosive charges, to install load carrying devices, or for analysis of the structure of the rock.

Step 2. Wet or Dry cutting? I don’t mean to scare you here, but cutting concrete can be very messy. You can probably figure out that the dry cutting means cutting without water and should be less messy… hmm not so sure. Cutting without water means dust and lots of it. Very messy, minute particles of concrete will billow into a thick cloud of grey concrete dust or red brick dust and coat everything nearby you own. Personally I prefer the wet cutting machines. Even though the mess is wet grey or red slurry, it is much easier to clean up all the mess with a wetvac (wet and dry vacuum cleaner) and a wipe over with a damp cloth. Dust on the other hand can get absolutely everywhere.

Step 3. Protect yourself and the environment. Basic safety equipment you will need include goggles, ear plugs, safety boots/steel capped gumboots and gloves. If you have chosen a dry cutting machine you will also need to work with a dust mask on to protect your lungs, and sun protection and long sleeves if you are working outside.

Cutting concrete can be very noisy so be mindful of neighbors and nearby businesses in case of noise pollution and air pollution. Think about what is below you if you are cutting on a floor higher than ground floor. Sadly I have heard of some terrible injuries because of falling cores and no safety barriers. Protect the environment with plastic sheeting, extraction fans and a wet/dry vacuum cleaner. In many countries, letting waste such as concrete slurry go down the drain is against the law and you will be fined.

Step 4. Check if you have the right skills. There are many dangers associated with concrete cutting equipment. Even though this equipment can be readily hired, this equipment should only be operated by experienced personnel. You won’t need to google ‘saw injuries’ to imagine the dangers of operating such powerful equipment without the right know how and strength.

Step 5. Check out the cost. Believe it or not the cost to hire a skilled professional who has all the equipment needed and can get the job done with minimal fuss, is often not much more than hiring the equipment yourself. Aside from the safety risk, mistakes in concrete are expensive if you get it wrong. Before you go ahead with the hire, at least get an idea of price from a professional by obtaining a quote.

For example you may be surprised to know that at elliottandfyfe.com.au you can hire a Brisbane concrete cutting operator to do a basic job for about $150.00. That’s hardly more than the cost of hiring the concrete cutting equipment, and comes with a skilled operator to do the hard work. Might just be worth the call?

Shaun McCabe Elliott and Fyfe Concrete Cutting Service – Brisbane. For an obligation free quote on any job call 07 3806 9100 or 0411 554 737.

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Jester s- Not the Fools You May Think

A jester or fool was a type of entertainer and archetype in Medieval Europe, similar to a modern clown or comedian. With their colorful, eccentric outfits and repertoire of juggling, acrobatics and wit, jesters were a favorite of commoners and noblemen alike. Jesters were commonly travelling minstrels and acrobats, performing at village fairs and festivals. Those who were especially lucky or talented would be hired as court jesters, becoming a regular fixture of a noble or royal court. They would perform tricks, sing fables and satirize daily court life in front of the upper class.

Court jesters were granted special privileges, and were allowed to speak in a way that other commoners were forbidden to. With this license to offend, court jesters served as a “voice of the people” in a culture with rigid social barriers. A court jester could openly mock and satirize their social betters without consequence, and were often favored by their lords as trusted advisors who could always speak their minds. Queen Elizabeth I is recorded as having scolding her court jester for not being harsh enough on her.

A successful jester had to be skilled in both physical acts and possess a quick wit and knack for singing and storytelling. Jester performances were usually a mix of juggling, acrobatics and magic combined with fables, songs, jokes and political commentaries. There was no fixed costume for a jester, but costume usually involved loud, motley colours, bells and baubles and a hood with trihorns or donkey ears. Jesters are often portrayed as carrying a hobby horse or mock sceptre, as a parody of the knightly aristocracy.

While court jesters were generally beloved by nobles and commoners alike, their favored status and constant barrage of insults sometimes wore thin on some nobles. Many of the notable royal jesters ended their careers after developing massive egos and offending the wrong people. Archibald Armstrong, court jester to the Stuarts, was finally exiled from court after repeatedly mocking the Archbishop of Canterbury for being short. Sir Jeffery Hudson, a jester and dwarf who charmed his way into the English and French court, was exiled after killing a nobleman who refused to take Hudson’s military status seriously. Hudson challenged the nobleman to a duel over the perceived insult, and the nobleman, still refusing to take Hudson seriously, brought a water pistol to the duel. Hudson however, used a real pistol.

While fools and jesters were a real profession, their cultural status is generally attributed to their common appearance in the works of Shakespeare. Only some of them are court jesters, but Shakespearean fools appear in 25 of Shakespeare’s plays. They served as comic relief and a satirical voice that a common audience could relate to. As noted by critics and historians, the irony of the fool was that he was the most perceptive character. As Isaac Asimov said ‘That, of course, is the great secret of the successful fool – that he is no fool at all”. The legacy of fools and jesters can also be seen in playing cards; the Fool card in tarot decks and the Joker card in standard card decks.

Court jesters fell out of fashion with the decline of feudalism in Europe, although jesters remained popular in theatre and carnival culture. The modern successor of the jester is arguably the clown, colourful entertainers who perform similar feats of agility and silliness. While society has obviously changed since the days of knights and castles, the people’s love for ridiculous comedy theatre and performance.

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