Monthly Archives: February 2017

Things to Eat and Drink that Surprisingly Lead to a Flawless Smile

Healthy TeethThese days, a flawless set of teeth is no longer difficult to achieve. Those who seek whiter and straighter teeth, for instance, may turn to veneers. Individuals looking to fill in the gap of a missing tooth, meanwhile, can find a solution in zirconia crowns.

For a natural way to enhance your smile, however, it pays to be mindful of what you eat. When it comes to caring for your teeth, what you eat is just as important as what you forego.

It’s common knowledge that sugary, sticky candy won’t do your teeth any favours. What you should include in your diet if you’re aiming for a beautiful set of pearly whites doesn’t get as much attention, however. Here are some things to include in your diet for healthy teeth and gums:

Tea

Black and green teas both help impede the growth of harmful bacteria in the mouth. They also contain antioxidants that enhance overall mouth health.

Gum

Popping some sugar-free gum into your mouth in between meals can help stimulate saliva and clean teeth. Avoid chewing for long periods, however, to prevent your jaws and gums from getting sore.

Water

Drinking water after a meal, especially after eating sugary treats, is good for your oral health. Water not only rinses food particles from the teeth, but it also helps dilute the substance produced by bacteria as they convert the sugar into acid.

Lean Protein and Nuts

Lean cuts of poultry, fish and meat contain phosphorous, which strengthens the tooth enamel or the protective part of the teeth. Both chicken and fish contain niacin. Nuts, such as almonds, offer iron and riboflavin, which are all essential to maintaining the health of teeth and gums.

Experts say that the key to keeping teeth healthy lies in variety and moderation. Apart from these foods and drinks, it’s important to eat a balanced meal that includes an item from each of the food groups. Incorporating vegetables, fruits, protein, grains and dairy into your daily diet helps prevent vitamin deficiencies and strengthens the immune system, which in turn saves you from many mouth and gum diseases.

Tree Pruning: What, When, Why and How?

Tree PruningTrees provide great aesthetic touch in your backyard, especially during the spring and autumn seasons, thanks to their lively and changing colours. But like any other living organisms on earth, trees grow. Sometimes, their growth poses hassles and risks more than benefits. Thus, the need to trim or prune them.

Trimming shrubs are generally easy because they are smaller and would require lesser tools and skills. Pruning trees, however, are typically more effortful, especially big ones. Right sets of skills are needed to ensure that the tree stays alive. The right tools are also necessary. Typically, professionals like Cherry Picker Services are called to deal with large trees. Rental of cherry pickers and other pruning tools are necessary to get the job done.

Why is tree pruning done?

Before getting your gear and starting the job, it is important to understand why people prune trees. Trees are mostly pruned for practical purposes like height reduction, better air circulation, and removal of obstructing branches. Others prune trees to remove diseased or storm-damaged branches. Homeowners who maintain their backyards, on the other hand, usually opt for pruning to keep their tree well-shaped for aesthetic purposes.

When and how do you prune a tree?

Pruning is best done early, meaning during planting time. The earlier a plant is pruned, the easier it would be to manage as it grows bigger. However, for large and established trees, it is recommended to have professionals take care of the job.

Proper pruning lies on making the right cut. Cutting just outside the area where the branch meets the trunk is the appropriate way of pruning. This part is called the branch collar. It contains chemicals that speed the formation of callus tissue that seals the “wound”. So technically, you can cut your tree without killing it from the roots.

Pruning is not a task for everyone. But with proper exposure and knowledge, smaller shrubs and plants can be done via DIY.

Buy Property and Start Your Own Real Estate Business

Couples Buying New Property

Couples Buying New PropertyWith the FHA (Federal Housing Administration) multifamily loan program of the government, you have the chance of becoming not just a property owner, but also a businessman in the real estate business. Know more about this program.

Did you know that through FHA multifamily loan program, becoming a property owner and a real estate tycoon at the same time is possible? The FHA 221d4 Loan can start you on the road to financial security. To get into the FHA 221d4 program, you need to know the basic facts.

Live and Earn

The FHA insured loans allow you the opportunity of gaining access to a broad range of home financing options. The beauty of this program is that you can get the funds you need to construct or renovate rental properties with five units or more. You can also live in one of the units and rent out the remaining units, giving you a positive cash flow every month.

After two years, you can buy another multi-unit property and occupy one of the units, while still renting out your old unit. Your credit score should not fall below 500 to increase your chances of receiving an approval. It would be even better if it scores 580 or more.

Mortgage Insurance

It is possible to make a down payment of 3.5 to 5 percent and avail of a market rate mortgage under the FHA 221d4 program. However, you also have to be aware that you also need to pay for mortgage insurance for the duration of the loan.

Usually, there is an upfront premium that borrowers need to pay on getting the loan. The upfront premium can be financed and made part of the total amount. There is also an annual premium, though borrowers need to pay this monthly. The amount varies and depends on the amount of the loan, the period, and the loan to value ratio.

Other Specifics

The FHA program regards duplexes as a standard family home, and not as a multi-unit property. However, this does not prevent you from claiming the other unit of your duplex property as income, with a certain percentage removed as vacancy rate. Triplexes and 4-plexes, on the other hand, are also similarly regarded, except for one FHA rule: this states that 85 percent of your rental income must cover your principal, interest, taxes, and insurance (also known as PITI) payment obligations.

The US Department of Housing and Urban Development has more information on the FHA loan program. When you get all the facts and details you want, you can begin traversing that well-worn path that successful real estate moguls started to take. For all you know, you can become one in a few years’ time.

Three Important Factors in the Success of Your Motel

Motel in New South Wales

Motel in New South WalesA motel is a rewarding business. It is a lucrative enterprise that never goes out of style, as there will always be people who travel and need a place to stay. There are considerations, however, as there are in any other business. How lucrative your motel is depends on a number of factors.

Location

Many factors have to come together to make sure your motel has guests most – if not all – the time, but perhaps the most important factor is location. The experts at Resort Brokers Australia believe that where your motel is located will dictate how much business it generates. A highway, for example, that leads to a tourist or business destination can be a good option. When you meet motel brokers in territories like New South Wales, they could advise you on the right location of the motel you wish to buy.

Staff

The members of your staff have just as much to do with how guests feel about your motel as the accommodations themselves. Even if you have the best rooms in town, if your staff is rude, easily confused, or not very helpful or polite, your guests would rather stay somewhere else. It is best to hire people who have experience or to send your staff to a training course in motel management and housekeeping.

Facilities

When guests unpack in a motel room, all they want is a hot shower and a warm bed. They are likely tired from their journey. However, a nice shower and a soft, warm bed are not the only considerations. Everything works as part of a system. Free Wi-Fi, Cable TV, clean quarters, maybe a convenience store right next to the motel or in the motel itself – these all add up to give your guests a pleasant experience. If they ever return to the area, or a friend asks for recommendations, guess which motel they’ll suggest?

Different factors come into play when you want to please your motel guests. From the room rates to the facilities and everything in between, you want to give them the best experience, and in return you get an increase in your profit margins.

Business 101: What Taxes Should You Be Paying?

Business Taxes in Auckland

Business Taxes in AucklandAs a new business owner, it’s important that you know your tax responsibilities and are fulfilling them. This is easier said than done, however, so here are the taxes you need to pay to the Inland Revenue:

  • Income Tax – You must pay this tax on your business’ yearly net taxable income. This is the difference between the business expenses you could claim against your income and the income for whatever services and products that you sell.
  • Provisional Tax – This is similar to ‘Pay As You Earn’ or PAYE for a salary or wage earner. It’s primarily a way to spread out business taxes, rather than facing a single and huge tax bill when tax time comes. The majority of payments would be spread over the course of a year in three equal payments.
  • PAYE or ‘Pay As You Earn’ Tax – You would only have to pay this if you have employees or if you receive a salary from your business. You have to deduct this from your employees’ salaries or wages and pay it every month to the Inland Revenue (IR).
  • GST or Goods and Services Tax – You have to register with IR to GST if you project that your business would earn more than $60,000 in the coming year, or if your earnings were higher than the $60,000 limit during the past year.
  • ACC or Accident Compensation Corporation Levies – You should pay the ACC a yearly levy to cover potential injuries in your workplace for yourself or your employees (if applicable). This also applies even if you don’t have employees.
  • Fringe Benefit Tax – You have to pay this tax if your business provides perks or benefits to your employees.
  • Employer Superannuation Contribution Tax – You would only have to pay this tax if your business makes contributions towards the superannuation schemes for your employees.

Sounds complicated? To some extent, it’s not yet there’s nothing simple about business taxes in the first place, especially for new business owners.

Accounting North Ltd and other top accountants in Auckland suggest making tax prep easier by regularly taking stock of your business’ cash flow and considering hiring professionals. This is to make certain that you’re paying your business taxes on time.

Following your first year, you may then end up with massive penalty fees, so prioritise your taxes if you want to keep your business.

5 Important Considerations When Choosing External Wall Cladding

External Wall CladdingExternal wall cladding provides support to buildings while adding to their overall appearance. The cladding you choose will be a major factor in the aesthetic appeal of your home, and it will directly impact on building cost and property value. Therefore, you need to choose the best cladding for your property and wallet.

Here are five factors you need to consider when choosing external cladding, according to vidaspace.co.nz:

  1. Protection

The cladding you choose should offer protection from the fluctuating weather conditions. The cladding material and installation design should also be vermin resistant. Pick a cladding with a non-reactive surface as this would help augment the protection for your structure.

  1. Insulation

Cladding systems can contribute to overall structure insulation values. Installing a cladding on the exterior of a building can help you maintain a moderate temperature. The higher the insulation value of the cladding you choose, the more savings you can make on energy consumption.

  1. Quality and durability

The quality, lifespan and durability of the cladding you choose, has a significant effect on your structure. The durability of cladding should match the expected lifespan of the structure. You should install a cladding that increases the value of your property.

  1. Cost

Pricing depends on factors that include the structural capability and availability of materials. You should choose a cladding that is affordable without compromising the quality of the materials. Therefore, look at price but look closely at value. An expensive product may offer long-term savings.

  1. Maintenance

The maintenance demands of a cladding influence its overall cost. The lesser the maintenance demands, the more your savings will be in the long run.

There are numerous wall cladding choices in the market, and each option has its unique strengths and weaknesses. When it comes to selecting the best cladding type, you must consider several factors. The cladding material finish differs in accordance to pricing, budget, aesthetics, and the lifespan and uses for the structure.

What is It About Late Breakfast on a Sunday that Americans Love?

Brunch with Friends

Morning MealIn 1896, a column from New Oxford newspaper wrote, “the latest ‘fad’ is to issue invitations for a meal called ‘brunch’… a repast at 11 o’clock a.m.”

Fast forward to 2017 and this “fad” hasn’t died out like fads usually do. Originally intended for the affluent as a drawn-out elaborate affair, brunch soon crept into mainstream America. Breakfast and lunch, coming together to create a convenient, delicious meal, seemed to jive well with a lot of Americans.

Over 120 years later, brunch hasn’t swept over the entire country just yet. As with all things, some like it more than others. Let’s explore why brunch is still here and who’s making it stay.

Who Eats Brunch?

A Google Trends data reveal people search for “brunch” more in the spring, incidentally during Easter and Mother’s Day. Apparently, nothing says “thanks, Mom” like a platter of pancakes, French toast and Waffles.

More Google data says brunch popularity is high in Washington, D.C., New York, Maryland, and Massachusetts. Researchers suggest that interest is higher in people with disposable income and time.

Brunch with Friends Why is Brunch so Popular?

The so-called brunch movement is here because of the changes in how Americans eat breakfast.

Breakfast is no longer the family affair it was once was. Simply, fewer adults eat breakfast today, the number dropping from 89% to 82% in just 20 years. Millennials have proven the likeliest to skip the morning meal.

This decline has opened the door for many breakfast foods to be eaten on the weekends, when days aren’t quite as hectic and cravings have built up over the week. That explains why most people wait for the weekend to eat their favorite breakfast platter, and usually when it’s almost time for lunch. Breakfast restaurants, like The Toasted Yolk, serve breakfast and lunch foods all day, helping quench some of these cravings.

More than a Meal

When it comes to breakfast and lunch meals, you don’t just pay for the food and the venue. It’s the experience. In 1895, A British writer named Guy Beringer wrote an article titled, “Brunch: A Plea” in Hunter’s Weekly. He said, by not having to get up early for breakfast on a Sunday, people became happier. He described brunch as “cheerful, sociable, and inciting”, as well as “talk-compelling.” It gave people better temper and self-satisfaction. “Brunch sweeps away the worries and cobwebs of the week.”

While this notion may sound overreaching, brunch is, in fact, more significant than many think. What do you think popularized daytime drinking in America? Hint: Not the Irish.

But, on a more significant note, brunch has changed the way Americans eat breakfast, invite company, and spend their Sunday mornings.

If the ‘fad’ didn’t dribble out like a runny egg years ago, it’s safe to say it’ll be here to stay in the few years to come. Toast to that.

3 Keys to a Successful Construction Project

Construction Project

Construction ProjectMany people often rush through the process of building a home or property, and it leads to poor results. They do not realise that the key to a long lasting building is getting all factors right. From the designing phase to the construction stage, you need to address every aspect of the project. Even the smallest mistakes could cause delays and unnecessary expenses.

Discover effective ways to get the best results for your construction project.

Retain a credible contractor

With so many building contractors on the market, you need to approach the hiring process with utmost caution. Regardless of the urgency, you should never hire a service without vetting them. Dig into their history, performance and experience before making a decision. In fact, you are better off making a list of potential contractors and weighing them on merit. That way, you can eliminate bias and compare many useful variables. Read online reviews from their clients, as most people provide an honest account of their experience.

Do not sacrifice quality when buying materials

When running on a tight budget, the temptation to buy cheaper materials is real. Such an approach only provides you with short-term solutions. On the other hand, use of superior materials, such as carbon steel fittings, ensures quality, durability, longevity and safety. Steel pipes are fireproof and less susceptible to leaks. They can withstand hurricanes, tornadoes and storm with little damage. Use of quality materials translates to lower maintenance costs, allowing you to save a few dollars every month.

Define your needs

You need to define your needs right from the start. That way, you can work around your budget when making decisions. Divide the amenities into two categories: good-to-haves and must-haves. Address the core items before looking at the add-ons.

The success of a construction project lies in making the right choices from the beginning. With this approach, you can avoid common pitfalls that could lead to unfavourable outcomes.

On Pony Cars Built as Foxes: A Look at the Third-Gen Mustang

Muscle CarFord Mustangs have gained its world-class popularity through the years following its release in 1962. Throughout several generations, the Mustang has cemented its place as the defining standard of what a “pony car” is. Even today, no one can deny its legacy as a muscle car. Take, for instance, how the 2017 Mustang recently won a poll for the Performance Car of the Year.

Given the many Mustang models, one of the older batches is making a comeback. The third generation Mustang, produced by Ford from 1978 to 1993, remains to be a popular choice among car enthusiasts. The demand for performance parts of a 1986 Mustang has been on a steady rise, because a lot of Mustang aficionados are transforming their old school pony cars. Whether it is a GT, LX, or Cobra, a third-gen Ford Mustang will always be a prized project.

The Beauty of the Third-Gen Mustang

Since the third-gen Mustang was in production for more than a decade, Mustang owners and car experts divided the generation into two segments. The cars that came out during 1979 to 1986 sported quad headlights, which would be their defining characteristic. The succeeding models, from 1987 to 1993, had aero composite headlamps. This is one of the third generation’s offerings to car enthusiasts – diversity in style.

In addition to the distinctions between the two batches, many car lovers also chase the third-gen Mustang for its body.

The Fox Mustang

Often referred to as the “Fox Mustang,” the third-gen Mustang used Ford’s Fox platform, hence the nickname. The car company used the specific platform for their compact and mid-sized vehicles from 1978 to 1993. At its core, the Fox platform used a rear-wheel drive and unibody chassis configuration.

Dust Runners, an automotive journal, provides a list explaining why the Fox Mustang is the “best muscle car ever.” Among their seven reasons, the journal cites the third-gen Mustang’s aftermarket performance.

The Fox Mustang’s compatibility with a large selection of parts makes it a hit with car enthusiasts across the world. Overall, the throwback vibe and its classic look are enough to impact its popularity in the history of cars.

Is Ritalin Addiction Real? The Must-Knows

Drug AddictionRitalin is a brand name of methylphenidate, which is a stimulant widely used for treating ADHD or attention deficit hyperactivity disorder as well as chronic sleep issues in both adults and children. It’s categorized as a controlled substance in the U.S. and has similar effects to the highly addictive amphetamine.

Is Ritalin Addictive?

When taken exactly as the doctor advised, Ritalin is safe, which is the main reason children could take under a doctor’s supervision. While it effectively increases the brain’s dopamine levels, much like similar stimulants, in controlled doses, it doesn’t induce the same euphoric effects of the most commonly abused illegal stimulants.

Ritalin abuse of individuals with legal prescriptions is not, in fact, common. But, abuse by individuals who get it through illegal means for its ability to imitate the euphoric effects of cocaine in high dosages is widespread. According to the Substance Abuse and Mental Health Services Administration, Ritalin abusers are young adults and teenagers who use it for increasing concentration, euphoric effects, staying awake, enhancing performance, and losing weight.

Ritalin is extremely addictive when not taken under a doctor’s supervision and could result in serious psychological dependence since Ritalin addicts use it as a cocaine substitute, says a drug addiction recovery specialist in Sandy. These individuals are likewise used to crushing it and snorting it, or mixing it with water and injecting it. Ritalin addicts, who depend on the drug to stay alert and awake, take it orally, while those looking to get a high from it usually inject or snort it.

Is there a Way to Treat Ritalin Addiction?

Recovering from any addiction, regardless of the drug abused, is not easy, and this includes Ritalin addiction. Repeated and long-term use of Ritalin will result in physical dependence, triggering withdrawal symptoms upon stopping. Additionally, the severe withdrawal symptoms, including extreme fatigue and depression, could be severe and require a thorough detoxification program. But keep in mind that combating the physical symptoms is just one part of the recovery process, to ensure a successful recovery, the Ritalin-dependent individual would also need a behavioral therapy and support groups.