• A HELPFUL LISTING OF THE MUST-HAVE GARAGE TOOLS FOR AT HOME
    A HELPFUL LISTING OF THE MUST-HAVE GARAGE TOOLS FOR AT HOME
    Do you have the right tools in your garage? This must-have garage tools list can help you figure out what’s right for your needs.
  • INTERIOR DECORATING TIPS AND TRICKS
    INTERIOR DECORATING TIPS AND TRICKS
    It seems that these days every time you scroll through one of your social media feeds, more and more articles are featuring the general theme of living a minimalist type lifestyle along with tips for getting more out of less.
  • BENEFITS OF INTEREST OFFSET ON YOUR HOME LOAN
    BENEFITS OF INTEREST OFFSET ON YOUR HOME LOAN
    If your home loan has a variable interest rate, there is a high possibility that you have the choice of a 100% offset.

Top Home Masonry Specializations

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Masonry is one of the earliest professions in the world. Since the beginning of time, records show that home beautification and construction has and continues to evolve. Unlike other jobs, masons gain skill through experience. However, today, one may be required to have certain academic qualifications certifying their training in masonry. This serves to ensure that the expert chosen is equal to the task. Did you know that there are many fields in the masonry field?

Types of Masons

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A brick mason is one who is highly skilled in the art of bricklaying. They can handle any construction project that deals with brick laying. Most people assume that the brick laying is easy just because it appears so. However, it is a delicate process that requires a lot of expertise. Remember, if a shoddy job is done then the stability and durability of the house will not be dependable. Brick masons can handle right about anything from patio construction to the entire home structure.

Stone Masonries

This type of masons focuses on the construction of stone structures. They are particularly skilled in handling any natural stone commonly used in construction. Professionalism and experience are essential for this type considering the technicality and sensitivity of these types of jobs. For instance, they are required to cut the stones in perfect measurements. If a mistake is made, the stone cannot be used and the process will have to be repeated until perfection is achieved.

Tile settlers

Their job comes in a little bit later than the other masonries. Tile settlers come in during the finishing touches of the house. They wait until the construction of a house is complete to proceed with the tile laying. The owner of the house dictates the type, color, shape and texture of tile that they want for different rooms and surfaces in the home. Tile settlers can step in and advise on suitable tiles for various rooms. Once the selection is agreed, they then go ahead and purchase and install the tiles in place.

Concrete Masons

wsdcaerghtyjukidThis type of masons works with concrete mixes and blocks to come up with structures such as yard benches and fountains. This unique group is known to have the expertise to create different shapes and sizes from concrete. Their job description does not end there. They have to paint and apply suitable finishing touches to the construction with the aim of making it as appealing as possible.

Masonry can be termed as an art. The skill and expertise involved are exceptional, and only the people who have a passion for masonry can achieve it. For quality job, it is imperative to work with a Pave Your Way Masonry. With them, you can never go wrong.

Benefits of Interest Offset on Your Home Loan

If your home loan has a variable interest rate, there is a high possibility that you have the choice of a 100% offset. Offsets on home loan interests have many advantages, as they can reduce the initial amount of interest you should pay, thus helping you pay off your mortgage debt faster. With an offset plan pegged to your home loan, you can be flexible enough to ensure that you do not strain paying off your loan. Nearly all funds deposited into the account linked to your mortgage, for example, your salary and savings, may help in offsetting your loan balance.

You could not only easily access your funds, but also pay less interest.Benefits of Interest Offset on Your Home Loan (3)

Key Points on Home Loan Interest Offset

The offset uses savings in a nominated account to reduce your mortgage balance. Maintaining a high average balance helps you save more. The balance in your nominated account pays off the interest on your home loan. Several people prefer channeling their salaries into the offset account. Regardless of your average account balance, the amount is worth offsetting the loan balance.

Save Interest Day by Day

Typically, the computation of the interests of your home loan take place on a daily basis, depending on the loan balance, converted into a monthly charge. With such computations, an offset customer saves every dollar in the bank account linked to the offset program, which results in saving them the interest accrued on a daily basis. It does not matter how much you earn, just a few hundred dollars in your account can convert into saving thousands in the loan interest.

Save Money in Your OffsetBenefits of Interest Offset on Your Home Loan (2)

Since you can save a considerable amount of interest with every dollar linked to your banking account, you should consider keeping your balance in high figures as possible.

The first thing you need to do is to authorize your salary payments into your offset. As such, the funds will directly reduce the amount of interest paid on your home loan, and this works even if the money remains there for a few days.

You should also consider using your credit card frequently for your everyday expenses, such as utility bills and groceries. However, you have to demonstrate a disciplined way of spending by
knowing the amount of your monthly expenses. Hence, you should maintain a sufficient amount of money in the account for your expenditures, and as an alternative, use your credit card to buy them. As such, you can maintain the highest amount of money in the account to offset the home loan interest. Consequently, transfer the money you saved in your linked bank account to settle your credit card balance at the end of the month.

In summary, offset accounts have helped many people to save considerable amount of interest in mortgage repayments, and the above tips explain how to offset the amount you pay in home loan interest.

Interior Decorating Tips and Tricks

It seems that every time you scroll through one of your social media feeds these days that more and more articles are featuring the general theme of living a minimalist type lifestyle along with tips for getting more out of less. This trend has infiltrated living space as well. Gone are the days where every one climbs over one another to have the biggest house. It’s actually become rather trendy to embrace the smaller living spaces and share with friends and family the amazing things you’ve been able to do in a smaller space and how it’s made your life so much simpler and more enjoyable.

So what kind of things make the best interior design for a small house?Interior Decorating Tips And Tricks (2)

Unique and Trendy Space Saving Ideas

If imitation really is the best form of flattery then you would be wise to see how others are doing it. Entire TV series are being dedicated to this smaller living space theory. There are many things you can do to make your space appear bigger. Some of the ideas I’ve personally felt were ingenious include stairs that double as drawers, tables with chairs that when pushed in form a piece of furniture that looks like a trendy table that’s fully enclosed all around. If you haven’t seen a product called the “Sofa Bunk Bed” do a quick Google search! It’s a modern day piece of genius for space saving and clever interior design!

Interior Decorating Tips And Tricks (3)Interior Design Tips

When selecting ideas and items to include in your space try to choose things that are lighter in color as dark colors tend to make spaces appear smaller. If you are looking to make one bigger living space appear as two separate rooms you can consider using a shelf that will not only provide a divider for the space but also double as storage! You’ll just have to make sure your storage area stays neat and organized as clutter always makes small spaces appear smaller. If you have two floors and your stairs have an open space below them, choose some kind of storage piece that will double as a way to spice up your decoration as well! Perhaps you use shelving with the square holes and paint them alternating black and white to give that modern and trendy look while also conquering space challenges.

Popular Ideas You May Not Have Heard OfInterior Decorating Tips And Tricks (1)

Finally, don’t ignore tried and true ideas when searching for the best interior designs for a small house. If you have no idea what those are another simple Google search will reveal the tips and tricks of renowned interior designers. For example, adding a full length mirror to any room always amplifies the space while also providing a modern flair. If decorating on a budget is most important to you try to choose items that will stand the test of time and aren’t just a passing trend.