Monthly Archives: September 2015

Home Loan

Be Rewarded with the Best Home after Years of Medical Study

Home LoanFinancial records show that medical practitioners are less likely to default on their loan obligations. This is in part because, particularly in England and Australia, student loans are linked directly to their income. This data plus other factors such as the nature of the work and the high earning potential make it possible for lending institutions to offer special consideration to doctors when it comes to home loans.

So if you’re an Australian doctor starting on a medical career and thinking of buying a respectable home, look at  loans for doctors. Even if you already have an established medical practice, you can still apply. Loans for doctors may offer the following advantages:

  • Save on Insurance Payments. Unlike conventional loans, you may get your mortgage without paying insurance. Regular loans require insurance, but lending companies may waive this, which means huge savings on your part.
  • Higher Loan Limit. While lenders may only finance as much as 80 per cent of the property value for conventional loans, a doctor may take out a mortgage covering 90 to 95 per cent of the home value. There are even lenders who offer higher rates, lessening the deposit you have to pay. JP Loans Financial Solutions even says medical practitioners have no deposit home loans as an option.
  • Higher Chance of Approval. Under this package, applicants have higher chances of approval. The guidelines provided make it easier for doctors to comply.
  • Flexibility on Proof of Income. With this, you don’t have to show proof of income. You don’t have to submit tax records or detailed proof. An employment contract or an offer will do.

These are just some of the advantages you may enjoy when you get a home loan for doctors. You will learn more about the other benefits when you talk to your lender. You’ve worked hard for your medical degree, it’s only proper to get the best home as a reward.

Recycling Scraps

On Recycling Scraps: Finding Cash in Metal Trash

Recycling ScrapsNatural resources such as wood, water, oil and metal, are important to human life. These materials, however, have limits. The price for oil is high because people deplete oil reserves fast. To ensure the conservation of these valuable resources, you have to do your part, which is to recycle.

When you think of recyclable materials, you most likely think of plastic or paper. But, metal is recyclable, too, and people can benefit from metal recycling. You can sell scrap metal to Brisbane scrap metal recyclers and get extra cash while also caring for the environment.

Green Love

This also saves valuable energy that companies would have otherwise used in making new metal products from metal ores. It saves landfill space when you don’t just throw away your scrap metal and reduce air and water pollution. You also keep miners from mining more metal ores. In addition, you get metal products with reduced prices, as recycled metal costs less to manufacture into goods.

Copper Fever

You may be wondering what kinds of metal you can sell. You can sell copper, which is usually in water pipes and electrical cables. Circuit breakers and TV have copper in them, as well. You can also sell brass, an alloy of copper and zinc. This metal is available in doorknobs or ammunition shells.

Real Steel

Scrap steel has value, and you can find it everywhere. A car has plenty of steel and other metals. You can sell the car batteries and aluminium sheets, too. Excess metal construction materials are also good sources of scrap metal. Old air conditioning units are also good scrap metals, along with other appliances such as refrigerators and TV sets. Computers, by all means, have metals, too.

You can find metal anywhere you turn. You simply need to look around a little. Scrap metals may seem junk for some, but they still have value if you recycle them.

Perspective Photography

Forced Perspective in Photo Advertising: Challenging Brains, Hooking Consumers

Perspective PhotographyBasic photography may be the least popular form of advertising nowadays. Unless there is a celebrity in the picture, then it will not be a hit. Furthermore, gone are the days when consumers were simple enough to find bursts of colour tempting. It is all about creativity now and pictures are lagging behind. Photographers, however, forever looking for a different ‘angle’, found something that is both intricate and appealing.

Forced perspective photography focuses on creating optical illusions of different entities as one coherent image. There is no depth of perception, and since cameras only have one eye, you can only see it one way. Photographers have to find the perfect angle to ‘force’ the viewpoint. When they do, people will not be able to tell that they are looking at seven things working together to create one thing.

A Mental Challenge

Australian marketers Made4media says that forced perspective is hot commodity in advertising today. The industry is always on the hunt for strategies that embed brands deep into the consumers’ minds. They may have just found it in the form of forced perspective photography, as it is everywhere right now.

Tech giant Apple employed the method in promoting iPhones and to date, the video garnered 1.3 million views. Even Japanese automaker Honda got in on the action by creating a dangerous, albeit fake, scenario in getting their cars.

Stamping Brands

As forced perspective photographs get people thinking, the brand on the picture imprints on the consumer’s mind. On top of of being tricky, optical illusions are appealing, too. It may confuse people, but in terms of making them remember, nothing does a better job.

Yet, forced perspective is not exclusive to photography. It can be a canvas or a printed display. When installed in a public place, more people get to experience its confusing goodness. As a result, they remember it and the company that made it possible.

It is tricky to get forced perspective right, especially if done by someone with no experience. An experienced videographer or photographer, however, can find the twist in everyday sceneries and turn it into something magically vexing.

Happy Times Principle

Keep Her Into You: The Happy Times Principle

Happy Times PrincipleSparks fly and you can’t just get enough of each other; then you hit the wall and you prefer making lame excuses or playing video games than being with your girl. She knows this and gives the same exasperated sigh that she gives when she’s angry but says nothing about it.

What happened to the passion and affection between the two of you?

The Happy Times Principle

You do not want to be the significant other that sends gifts after a fight or when you want something in return, it will hasten the deterioration of the relationship. Sending her a bouquet of flowers has meaning, but more importantly, the time you send them matters.

You need to keep her on her toes by setting a precedent of flower giving while she’s happy instead of after an argument or a tough time. This creates a strong emotional association of flowers with her happy times. When you get into a fight again, the deposit you made on her happy times will make it easier for her to forgive you when you send her flowers. Build her happy times bank up by strategically surprising her.

Vandersalm’s Flowershop agrees that sending her flowers just because is a sure way to set a precedent and keep her on her toes. This gives you an aura of unpredictability that will allow you to stay close to her heart.

Special occasions such as birthdays, anniversaries and Valentine’s Day are also ideal times to give your loved one a bouquet of flowers. This gesture also shows her you care and have not forgotten the special days of her life.

Why Give Her Flowers?

Flowers are not just a gift but also give off a scent that affects mood. The smell of flowers and their vibrant colors make her feel good about you and herself.

Flowers may seem cliché and old fashioned, but it’s the thought that counts. Small gestures of affection add up and will endear you to her and keep the relationship strong.


Brazilian Waxing vs. Shaving: Which is Better for That Area Down There?

BikiniAdmit it or not, some hair just grows in areas you don’t want them to. The thought of having unwanted hair here and there can be stressful, especially when summer is coming and you want to flaunt your bikini body.

Shaving is one of the most common means to deal with unwanted hair in private body parts. All you need is a razor and shaving cream, and go DIY in the comforts of your home. But, more and more people nowadays prefer Brazilian waxing over this more traditional hair removal method.

Below, The Brazilian Hut shares some of the advantages of waxing over shaving:

Longer effects

Brazilian waxing gives longer effect because it pulls the hair from the root. It is unlike shaving that only removes the visible part of the hair shaft, leaving the root to regrow fast. Brazilian waxing from hair removal salons give results that may last from 3-4 weeks, way longer than shaving’s two days.


Shaving sometimes causes cuts on the skin. When left untreated, it can lead to infection and irritation. Also, razor cut can leave unsightly scars and marks. People with sensitive skin may also develop rashes after using a razor. This is not the case with waxing. It is a safe method that has less impact on your skin.

Makes skin smoother

The use of razor often results to stubbles. These make the skin in the shaved area rough and abrasive. With Brazilian waxing, on the other hand, your skin will feel smoother and softer. This is because not a single shaft is left, and if there are re-growths, they grow slower and finer. It also saves you from the itchiness caused by cut hair strands.

These are only some of the reasons more and more people prefer waxing over shaving. Whether you want to wear a bikini on an upcoming trip to the beach or you simply want it hair-free down there, Brazilian waxing is a long-lasting and safe solution.

It might hurt a bit, but truly, it saves you from the discomfort of using a razor down there every second day.

Wedding Anniversary Party

Preparing for an Unforgettable Wedding Anniversary Party

Wedding Anniversary PartyHappiness doesn’t stop on the wedding day. In fact, this union is a lifetime commitment and you should celebrate the love you have for each other. That’s why some couples celebrate their wedding milestones by throwing a wedding anniversary party attended by everyone important in their lives. If you are planning one, here are some tips to make the process smoother.

Come Up with a Guest List

Begin the process of planning by first knowing how many guests you’ll invite and who they will be. Start with your immediate family and close friends. Inviting your colleagues, neighbors, and others depend on how big or how intimate you want the wedding to be.

Find a Location

After determining the number of your guests, it’s time to choose a venue. If it’s an intimate affair, you can have it at your backyard and just rent a tent to provide shade. If it’s a big event, look into different venues and reserve your chosen date as soon as possible.

Mail the Invitations

Your wedding anniversary invitation should contain all the important details about the party, include time, date, and venue, among others. Mail the invitation at least a month in advance to give your guests a chance to save the date.

Hire Personnel

Hiring a caterer, photographer, videographer, florist, DJ, or any other professional depending on your preference. If you want to renew your vows, you can also get an officiator to host it. Ask for referrals so you could hire the best people who can be of service at your wedding anniversary party.

Think of Entertainment Options

Since it’s a celebration, there should be plenty of entertainment options for you and your guests. You can hire a local band to perform some of your favorite songs or rent a photo booth for everyone to use. You can also have important people in your life give toasts to celebrate your marriage.

A wedding anniversary is a milestone. Remember these things to throw the best party in celebration of your love for each other.