Easy to Use Moving Checklist and Guide

Easy to Use Moving Checklist and Guide
3 to 6 Weeks Before Moving Day
– Begin purging
Start in small sections to avoid being overwhelmed. Purge a small area every day for three weeks until the entire house, garage, and yard have been sorted through. Remember that whatever you give away you won’t have to move. Pile up your unwanted, but still usable, items in the trunk of your car and take them over to a thrift shop. For more help deciding what to keep and what to give away check out this great guide.

-Transfer pharmacies
Once you have picked up all of your regular medication for the month ask that a list of your current medications be transferred to your new pharmacy. This may require asking your doctors to send in new refill orders to the new pharmacy.

-Transfer schools
Make sure all academic records have been sent to your child’s new school. Complete all enrollment forms and pay any fees well in advance so that the first day at a new school can go as smoothly as possible.

-Get quotes from moving companies or moving truck rentals
With moving companies, be sure to get an on-site estimate.

-Buy moving supplies
Stock up on boxes of all sizes. You will probably end up needing more small boxes than big boxes because big boxes can only hold very light items. Grab bubble wrap or packing paper or even newspaper to wrap around delicate items. Get specialty boxes like dish barrels for awkward heavy items. Large posters markers, a couple packing tape dispensers, and at least a half dozen giant rolls of tape are necessary as well. Mattress bags are often forgotten items that make moving mattresses so much easier and cleaner.

-Start using up items you don’t want to move
Cook with or donate all your canned goods. Use up your three extra bottles of conditioner. In general, get rid of anything you have an excess of, even if you think it *might* be useful in the future. The less you have to carry: The happier everyone will be on moving day.

-Measure the dimensions of your furniture against the doorways and stairwells of your new home
Moving day is not the day to figure out that your dresser will only get up the stairs if it is utterly dismantled. If any of your items do need to be dismantled do so well before moving day.

2-3 Weeks Before Moving Day

-Choose your mover
Schedule your moving day with the movers in Brisbane and arrange for there to be plenty of parking space for the moving truck as close as possible to your home. Get written confirmation of the price, time, date, and make sure they have both correct addresses.

-Begin packing the things you use infrequently
This includes the pancake griddle, empty vases, your photo albums, etc. Anything you don’t use at least several times a week should be packed up now to avoid being overwhelmed later. Remember that big boxes cannot be filled with heavy items or they will be immovable. Pack every box as full as you can so that they can be stacked. This guide shows you how to pack boxes for the best results.

-Notify everyone of your change of address
Newspapers, magazines, doctor’s offices, mechanic shops, and anywhere else you receive important mail or bills from should be notified of your move so that you don’t fall behind on payments or miss an issue. Then notify the post office of your change of address and set up mail forwarding for the next three months.

-Ask to be off work the day of and the day after moving day
This way your office has plenty of time to plan out who will be covering your shifts and you will have enough time to begin the unpacking process and rest up a bit before you return to the daily grind.

-Pack up everything that isn’t used daily
If you don’t use it literally every day it should be packed by now. Pack only one room per box so that the unpacking process is as simple as possible.

1 Week Before Moving Day

-Pack your suitcases
Anything that you need on a daily basis should go in these suitcases. Including linens, towels, and toiletries for staying the first night in your new house.

-Finish packing
Everything in your house should be packed for at least a few days before moving day. This gives you time to situate the boxes in the most easily accessible room and to run through every room several times to check for forgotten items.

A Few Days Before Moving Day

-Defrost the refrigerator
If you are taking your refrigerator, then make sure to defrost it completely at least 24 hours before you move.

-Transport valuables to your new home personally
If you live close enough to make trips back and forth, then you should take a few things like jewelry, antiques, and other small valuables to your new home at this time.

Moving Day

-Wake up early to get prepared
Go out and get your moving team some coffee, donuts, energy bars, and sports drinks. If you have friends and family helping you move these items are key to keeping irritability low and moral high.

-Organize
Make sure your boxes are in the room closest to the door as they will be packed first. Finish dismantling beds and put mattress bags over all the mattresses.

-Time it right
If it is going to be a hot day, then begin the moving process as early as you are able. During winter time, consider leaving the bulk of the moving process until midday.

-Wear appropriate clothing
You are going to be warmer than normal because of all the physical activity so make sure to dress appropriately. Wear closed toed and comfortable shoes to protect your feet.

-Take breaks
It is better for you to take breaks than to allow yourself to get overwhelmed or exhausted.

At the New Place

Have the boxes placed in the appropriate rooms and the furniture moved to the approximate location you think it should be and then try to get some rest before starting the unpacking process the next day. Movers Brisbane.

10 Tips on Maintaining a Wooden Floor Tile

10 Tips on Maintaining a Wooden Floor Tile
Home developers and designers use different types of flooring materials to build a home. The most common flooring materials are made out of wood, ceramics, laminated wood, terrazzo and stone.
Before settling on a flooring material, homeowners consider several factors such as cost and maintenance.

Wood is one of the most preferred flooring materials by many homeowners. It is relatively cheaper when compared to other materials such as ceramic tiles. It is also easy to clean hence cutting down on the maintenance costs.

Nevertheless, wooden tiles require particular attention to maintain their meticulous glamour.
The top tips to keep a wooden pipe include;

1. Application of Humidifiers

During summer when the temperatures are soaring high, wood tiles tend to shrink. Application of humidifiers at this time prevents the tiles from shrinking, hence maintaining their average size.

When it comes to winter with temperatures dropping to nil, wood tiles expand. Usage of humidifiers aids in the minimization of the gaps.

2. Trimming pet nails

Wooden floors are prone to tear with minor scratches. Most of these tears come from our pets which spend most of the time playing on the tiles. To ensure your pets have their fun and maintain the wooden tiles tidy, it is recommended to trim the pets’ nails.

Most of these pets include nailed animals such as cats and dogs. Keeping their paws clean also ensures that the wooden floor is always kept clean and tidy. You can also establish a restricted area where the pets can play freely.

3. Shun liquid Cleaners

Avoid as much as possible to clean your wooden tiles using wet cleaners. Tools such as wet moppers, vinyl, and steam mops should only be used on other flooring materials apart from wood.

Also, substances such as oil soaps, lemon cleaning products, and paste wax turn the appearance of wooden tiles. These products would also damage the floor when used in excessive.

Instead, dust the wooden tiles using microfiber moppers or clean cloths each day. Microfiber moppers utilize static electricity to contain dust and dirt.

4. Vacuuming the floor

Vacuuming the wooden tiles entails cleaning the floor using a mop that is tightly squeezed. Doing this at least once a week captures dirt and dust from unnoticeable areas such as space in between the tiles.

However, it is important to note that wooden floors are prone to tear. Ensure the grinding wheels and bars of the vacuum cleaner don’t get into contact with the tiles, this will go a long way in maintaining the wooden tiles.

During mopping, make sure that the mop doesn’t contain extra water.

5. Polish the floor regularly

Regular polishing of wooden tiles renews their look always. Do this at least once in a couple of months to give your floor a neat look. Polishing essentially fills unseen scratches and makes the floor’s protective surface even.

6. Move objects carefully

If you are washing your room or reorganizing it, ensure you carry the objects up instead of sliding them against the floor. Moving the objects protects your wooden floor tiles from unwanted scratches.

7. Remove sticky substances with Ice

Chewing gums and candle waxes often find their way to our floors. Instead of scratching the substances out, use ice to make them hard and then scrape them away with ease.

8. Apply sand finish

Use sand finishes on your wooden tile floor at least once in every three years. Floor Sanding quote click here. Use of sand finish restructures your floor and replaces the worn out the finish with a new one.

9. Always clean the spills

We often leave drink spills on floors for far too long. Clean the spills with a damp cloth to avoid stains that would damage the floor.

10. Use rugs at doorways

Ensure to put rugs in the entry points of your house to prevent dirt from reaching the tiles. Doing this ensures that dirt accumulated on the shoes is left behind.

The debris that usually scratches the floor makes the wooden tiles look untidy, and this can be manned expertly by rug installation.

It is straightforward to keep a wooden floor sparking always. The above-detailed tips will ensure your floor is well maintained.

5 Benefits of Having an Accountant in Your Business

5 Benefits of Having an Accountant in Your Business

As a business owner, you should be aware of the advantages of having an accountant available to your company for consultation, advice, and the handling of finances. The services of an experienced accountant are well worth the costs. This is especially true if issues frequently come up at your company regarding taxes or budgeting that you are uncertain of how to handle.

The following are five benefits you can enjoy at your company if you hire an accountant:

You can optimize your time and focus on your main business tasks.

Whatever industry you work in at your company, you’re no doubt not trained as an expert on financial matters. You’re in business to do something else, and that’s what you do well. If you have to handle accounting on your own, it will distract you from your main business focus and make it more challenging for you to optimize your time.

If you hire an accountant, you no longer will be responsible for accounting task. You will know that an expert is handling your accounting needs and you will be able to devote yourself more fully to your company’s main mission and focus.

You can save money on taxes.

One of the most important tasks your accountant can take care of when you hire one is your taxes. Handling your business taxes independently can be complicated and worrisome. With an accountant you will no longer have to worry about it. What’s more, you’ll most likely be able to save money and minimize your tax liabilities while still meeting your obligations to the IRS and state and local tax authorities.

Accountants like those on staff at TW Accounting know what types of expense write-offs and tax credits your company may be eligible for. They can therefore be expected to get you the lowest possible tax burden each year. This means more money you get to take home in profits and use to grow and develop your business.

You can make more informed decisions regarding finances.

A professional accountant can do more than just handle your taxes and books. A good accountant can also provide you with invaluable advice when it comes to financial decisions. As a business owner, you need to keep your cash flow healthy and also know how to take advantage of financing when it becomes available. You need to know how to invest your company’s funds to promote growth.

An accountant can provide you with a lot of information and advice so that you can make more informed financial decisions. This will increase your chances of success into the future with company endeavors.

You can enjoy greater piece of mind regarding taxes.

Filing taxes can be very stressful without the help of an accountant. There’s is always the concern when you file your own business taxes that you will have to deal with an audit and that you will end up having to pay more than you thought.

Getting through an audit is tough and time consuming. If you’re already working with an accountant, your accountant is already familiar with your company and your business expenses. This means your accountant will be ready to defend you and represent you in the event of an audit.

All the protections an accountant can offer you when it comes to taxes make it so that an accountant can provide you with greater peace of mind.

You can take advantage of your accountant’s business advice.

Remember that accountants are business people themselves and may have a lot of helpful advice to offer you when you’re running your business. As a business owner, your goal is to grow and develop. You want to increase your client base and your profits. However, there are a lot of challenges in doing this. Accountants are good professionals to discuss your business needs with and improve your financial strategies to grow as a company.

One of the most important things a business needs to do to grow is to acquire financing. Accountants are great for providing tips related to both acquiring finances and managing debts. Don’t hesitate to use the information that your accountant can provide you to increase your chances of success.

One simply investment strategy to secure your retirement

Diversify For A Return Above Your Withdraw Rate

The rate at which one withdraws funds from their retirement account is the second most important number related to retirement right behind the rate of return that one gets from their investments. The rate of return that one gets ought to be significantly higher as an average than what one withdraws from their retirement account.

Mix coins and seed in clear bottle on white background,Business investment growth concept

How To Get A Big Enough Return To Make Money Last

There are a few ways that one might go about making enough money on their investments to cover their retirement expenses. The Balance recommends that one try for what is known as a “total return” investment strategy. That is a strategy that seeks to balance a portfolio so that the average ten to twenty-year return is higher than the rate of withdrawal.

In order to achieve this, one should balance out the type of investments that are in the portfolio between low-risk, low-reward investments, and higher-risk, higher-reward ones. With proper balancing, it should come out in such a way that one achieves just the results required.

Consider Investing In Some Innovative Ventures

Some companies are rather innovative in what they do. These are great to invest in when you can find them. A brand like Amcor Limited is a great example of an innovative company. They work in packaging products. They may not sound like it is all that exciting or innovative, but it is when you think about just what they do to make their product marketable.

They use science and art to make the packaging materials that they sell interesting. They have to stand out in a field of competitors that grows by the day. This is the type of company that one should try to get in on the ground floor with. If you are an early investor in something like this, you will be able to reap the rewards when this type of company inevitably grows into something larger and more special.

Business Team Brainstorming Data Target Financial Concept

Indexing It

Instead of exploring all investment options for yourself on a case by case basis, why not think about putting money into index funds? These funds make it possible to just put your money in on auto-pilot and let it do the hard work for you. Index funds are a quick and easy way to get your money spread out throughout the whole stock market.

Indexing is a popular method of investing for busy professionals. They have to think about their jobs, raising a family, and any other day to day issues that come up. They do not have the extra hours to spend looking up stock spreadsheets and listening in on conference calls. Indexing takes away all of the guesswork.

The Motley Fool recommends this as a means of getting invested for retirement because it mimics the returns of the overall stock market. Since the market has an average return over a long period of time of around ten percent, one could do a lot worse than to just stuff their money into some index funds and let it run on auto-pilot. Retirement can be just around the corner with strategies like these.

Another option is to take the funds grown from the stockmarket, and to invest them into income producing realestate such as rental propertys. With a good manager, they can be a low maintenance, low volatility solution to fund your retirement.

3 Ways to Increase Exposure for Your Business

Your Business Exposure – How Important is It?

Increasing your business exposure is one of the major factors of business success. It is impossible to imagine a business becoming successful without exposure to target markets.

There are three ways to increase exposure for your business that bears serious consideration. These include:

  • Identifying target markets and customer buying habits
  • Promoting products and services over a more expansive platform
  • Proactive events that engage customer response

Identifying Target Markets and Customer Buying Habits
All businesses need to know their target markets. Not only to identify customers and their buying habits but also to keep abreast of competition in a specific industry. This requires business owners to maintain constant vigilance over their target markets, customers, and competitors by continued injections of advertising and promotions.

Set of Mega Sale flyer, poster or banner design with best discount offers.
Promoting Products and Services over an Expanded Platform
With all of the advantages of social media and the internet today, the opportunity to increase exposure for your business is as near as a business owner chooses it to be. The trick to increasing business exposure is to maintain a consistent focus on products and services in a manner that piques public interest. For some businesses, this requires regular tweaking so marketing and promotions don’t become stale to buyers.

Choose a marketing and sales promotional platform with growth potential over the long term. Advertising requires in-depth creativity to keep it evergreen and also ever evolving.

Even businesses with a single product or service can afford the luxury of gravitating toward creative advertising that captures customer attention. Advertising should be visually colorful and captivating in content. Business advertising should also connect offline with online promotions for greatest exposure.

Customers remember creative advertising they merely glance at in a magazine. When it is seen again online on a business website or link to other websites, this strengthens business exposure. This is where consistency in advertising helps businesses increase market exposure and gain prominence in their industry.

Proactive Events that Engage Customer Response
Very often, business owners overlook the fact that customers want to “belong” to businesses they patronize. This is proven by customer “trends” that increase business exposure through customer patronage at proactive events.

Consider how simple local events build local and regional exposure that eventually either by word of mouth or solid business growth becomes a household name. This is a form of customer “networking” that many business owners need to increase business exposure.

Learn to mingle among your customer base to discover their buying habits and their buyer frequency. This is crucial to understanding your target market.

Signs and Logos that Increase Exposure
Your business logo in signs, advertising and promotions play a large role in establishing your place among your competitors and within your industry. The location of business signs is best left to the advice of your signage supplier.

There is much more to locating a business sign than just erecting it or installing it. Business signage is a matter of effectiveness and inspiring impulse response from potential customers. Choose an experienced supplier to increase exposure for your business.

Best Mutual Funds For Young Investors 2017

Mutual Funds That Make Sense For Young Investors

Let’s admit it, investing is still scary for a large segment of the population, not the least of which are young people. They still remember vividly the Great Recession of 2008-2009. It was a time when stocks were creating and mutual funds for young investors were the last thing on anyone’s mind. However, the reality now is much different and some people are finally starting to approach the stock market once again. They may be doing so with a timid step, but they are starting to get back to at least looking into investing again.

The time is now for young people to invest. It doesn’t much matter if the market is too high or too low right now, it is almost certainly a lot lower than it will be when these young folks are ready to retire. As such, they should be putting aside some money for themselves and their future. The young investor who gets started today can see a huge accumulation of their money over time if they give it enough care and attention.

Word Mutual Fund on mini chalkboard and coin in the jar with blurred background of books, green plant and clock

With all of this being said, one type of mutual fund recommended for young people is a total market index fund. Kiplinger recommends the Vanguard Total Stock Market (VTSMX) as the right choice for today’s young person. This is an incredibly low fee fund that simply mimics the movement of the market overall as a whole. You can so that it is low on the creativity scale, but it is often much more stable than some of the other funds out there. Young people who still fear the market in some ways could do a lot worse than to have a fund that is stable and predictable.

Richard White suggest’s that a young investor should be a little more adventurous with their investments since they are young and have time to recover any losses that they might sustain in the early days. That is a fair enough argument and probably appeals greatly to some young investors who want something a little more exciting to talk about when the subject of investing comes up. For those type of people perhaps the Vanguard Explorer (VEXPX) is the right place to turn to.

The Balance recommends this fund among others because it is something that can be a little more aggressive for those who are not fans of just sitting around and passively watching their money grow. Those who crave the action of the stock market can surely appreciate this type of fund.

Vanguard is recommended for both of these types of funds simply because they are the lowest on fees. Fees seem like a small thing that can be an afterthought for a lot of people, but the reality is that those fees can quickly eat up a big portion of one’s investment dollar if they are not careful. Therefore, it is advisable to look for funds that keep the fees low. Vanguard does that and thus earns itself the reputation of being a great place for people of any age to invest.

Of course, if you don’t like the swings or the potential risk of investing in a mutual fund, then finding yourself a good property manager and getting into realestate can be another greal alternative for young investors.

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