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How to Get a Mortgage if you’re Self-Employed

Since the financial crisis that struck in 2008, getting a mortgage has been a hard work. This is particularly true for the self-employed.

Years ago, getting a home loan wasn’t that difficult. In fact, even self-employed individuals, who could not provide evidence of their income, could acquire a loan from banks and other financial establishments easily. This process was known as self-certification, or self-cert mortgage. With this process, borrowers didn’t have to provide financial statements to prove their income and get their loan application approved; instead, they simply told the lenders how much they earned, and they would instantly get the amount they need.

Self-cert mortgage was originally designed for self-employed and business owners, but later grown largely to the point that it was even made available for a wide range of consumers. The abuse of the system has led to self-cert mortgages being referred as “liar loans”, and eventually resulted in them being banned. So now, self-certification no longer exists, making it harder – but not impossible – to get a home loan that you need.


mortgage for self employed


What to do to get a mortgage?

If you’re a freelancer or self-employed, what you need in order to get your application approved these days is to provide proofs of your income to the mortgage lender you’re considering. One best way to do this is to file your income tax return. Most lenders are likely to look at the yearly accounts you’ve declared to the tax man, so make sure that you file your tax return regularly. Generally, the more accounts you can show to the lender, the better.

If you don’t have several evidences of income, don’t panic. Some lenders are still willing to consider your application, as long as you can provide enough records of your regular work or income source.

If you want to increase your chances of getting approved, you may also want to hire your own accountant. Most lenders prefer borrowers who have detailed account records and proposals prepared by an accountant. But be reminded that some lenders require accountants to be certified or chartered, so make sure to pick the right one when hiring.

Improving your credit rating is also a great strategy to boost your chances of getting a mortgage loan. So if you have any debts, including phone, electric, and credit card bills, pay them as soon as you can. If you’re running your own business, make sure that you also pay your business fees and debts on time. Remember that lenders don’t just check your personal credit rating, but also check your business credit rating, so ensure that all your credit reports are in good standing. It also best to double check all your credit reports in order to make sure that there aren’t any mistakes that can potentially ruin your chances of securing a home loan.


Refrigerated Vans: How Do They Work?

For businesses who offer frozen products that need to be shipped to clients and customers, refrigerated vans are an essential addition to the company. Also known as fridge vans, these types of vehicles feature a special refrigeration system that keeps the food or product cold, safe, and healthy to eat. And aside from this, they also serve as a great promotional tool, especially when they are decorated with the company’s name and logo.

We commonly see refrigerated vans on the road and ready-converted refrigerated vans for sale in the streets, and many of us are getting amazed about their existence. Truly, if not for them, we would never have good quality foods to eat, and safe refreshments to drink. But do you also wonder how do they work? How, despite the high temperature outside, fridge vans are still able to maintain the quality and freshness of the goods they transport?

Fridge vans have a similar mode of operation to the fridge we found at home. They have insulated and airtight compartment, as well as a condenser system that is responsible in removing heat from the inside; and thus, maintain the temperature of the products. The only difference between the fridge vans and household fridge is the quality layer of their insulation. Since fridge vans are commonly used outside, where heat is much intense, they generally have thicker quality layer of insulation. This prevents the heat from entering into the vehicle.


refrigerated vans


Of course, removing heat and maintaining the temperature inside the vehicle don’t work by the insulation, alone, although it’s very crucial in the success of the operation. Fridge vans have many parts that assist in the process of removing heat and maintaining temperature, and these include the following:

  • This is considered as the heart of the refrigeration system. It draws gaseous refrigerant in, compresses it to raise its pressure, and then pushes it into the coils. The high-pressured hot refrigerant passes through the condenser.
  • The high-pressured hot refrigerant discharged from the compressor passes through the condenser, which is a network of pipes containing a special coolant system. The coolant system produces cold air, which passes through condenser, absorbing enough heat that causes the refrigerant to condense. The liquid refrigerant then flows down the liquid line and into the evaporator.
  • When the liquid refrigerant passes into the evaporator, it flows through a metering valve that sets the flow of liquid refrigerant into the low pressure side. When the pressure drops, it turns into vapor. As this happens, cools air passes over the coil, absorbing heat and causing the temperature drop at the desired set point. The refrigerant then goes back to the compressor, where the cycle starts all over again.

This is the very basic description of how fridge vans refrigeration system works. While there may be a slight difference when it comes to how other complex refrigerators work, the process is almost just the same. Of course, in order to keep your fridge van operation at its maximum potential, you have to maintain and care for it properly. We recommend that you perform regular preventative maintenance and cleaning.

How do you correct bad breath?

Breath odour is the most common and embarrassing oral problem suffered by people, irrespective of their age group.  Imagine if you are visiting your relative’s place or attending any official meeting, and you have smelly breath problem. It will certainly, let down your reputation and put you in a truly awkward position.  It becomes worst when someone stats, “you have bad breath”.

People suffering with breath odour usually ponder how to fix this problem and is there is any perpetual solution to this snag? Positive side of this problem is it does not bother you much while getting rid of it and consumes hardly few minutes. There are some simple tricks which can help you to remove all the pins causing this issue and provide you instant fresh breath. However, before analyzing these tricks one should be aware of the causes behind breath odour. If you know the cause, you are 50% safe from this issue.

bad breath cure

What are the causes for Breath Odour?

Usually, people believe stats but on reality check it is not that easy to evaluate exact percentage of people suffering with breath odour as most of the patients do not report them to the dentists. However, stats shows large number of cases suffering with this problem is due to the other related oral problems i.e. gum diseases, cavities, plaque, etc. More specifically, when you eat something, food particles get stuck in the teeth gaps and results in excessive breath odour.

Also, if you are suffering from some other diseases such as diabetes, liver infection, Respiratory tract infection, etc then you are prone to get smelly breath. In certain cases, patients do not suffer with teeth related issues neither they have unclean tongue; still they suffer with breath odour. In such cases, they need to visit dental professionals immediately and proceed with proper medications.

How to prevent breath odour?

Below are basic fixing tips on how to you correct bad breath, which can eliminate breath odour problem for sure:

  • Oral Hygiene: You must follow oral hygiene and do all the mouth cleaning activities on daily basis with proper recommended technique. This will pull out breath odour from your body for sure.
  • Visit Dentists: you must visit your dentist in every 6 months.
  • Brushing: Mostly, people do not invest adequate time to brush their teeth. It is advised to use a timer based electric toothbrush. You must clean your teeth twice a day for two minutes minimum.
  • Mouth Washes: You can also use some mouth washes which will protect your teeth from cavities as well as whiffy breath. Always prefer some well known brands for mouth wash.
  • Dink Water: After the meal, breath odour problem occurs very quickly. In case, you cannot brush right after your meal then you must drink water in large quantity.
  • Avoid Much Coffee: Coffee has a very pungent smell which transforms in equally pungent breath odour after certain time. You should either avoid coffee or start replacing it with herbal or green tea.
  • Smoke, Alcohol and Tobacco: you should also avoid smoking, alcohol consumption and tobacco chewing as they are also responsible for stinking breath.
  • Sugar Free Gums: You can chew these gums to avoid breath odour. They are quite effective
  • Mint: When you are using sugar free mints, you should know it is a temporary solution and does not kill/remove bacteria.

What to Eat?

You might have noticed that whatever you eat, you exhale the same. Hence, it is always advised by doctors to consume a healthy, nutritious and balanced diet. If you are taking diet foods and less carbs diet, be prepared as it will surely results in breath odour. Prefer eating watery vegetable, raw carrot and apple slices. They are highly effective in emasculating breathing and oral issues.


Breath odour is a major concern but it simply needs some of the conscious and smart moves, a proper diet and a regular oral hygiene routine to procure a 100% fresh breath and Zero oral problems.

Bookkeeping for Beginners: How Does Bookkeeping Work?

Whether you’re planning to start a new business or considering a career as a bookkeeper, knowing the basics of bookkeeping is very crucial. Well, the good news is you can find some information here on what bookkeeping is and how it works.

What is bookkeeping?

Bookkeeping involves the process of keeping full and accurate financial records of a company, business, organization, or individual. These records are very important to the future success of the entity who owns them. The process of bookkeeping helps businesses and individuals manage their cash flow, avoid overspending, determine their profits and losses, stay in compliance with the ever changing laws, and develop future plans.

Bookkeeping is now regarded a growing profession. Since many individuals now consider building a small business, bookkeepers are now becoming in demand. Well, you don’t need to get a degree in college to master bookkeeping; however, you must have strong math, organization, and computer skills to do it properly. In addition, you must know the basic concepts on how bookkeeping works in order to provide accurate, efficient, and up-to-date financial records.

bookkeeping work

So, how bookkeeping works?

In terms of bookkeeping, there are two entry systems commonly used, and these are the single-entry bookkeeping and the double-entry bookkeeping systems.

  • Single-entry bookkeeping system: This system is used for businesses and organizations that only have minimal or uncomplicated financial transactions; for instance, for a start up business or for an organization that only has a few members. In essence, this system works by simply recording of income and expenses using manual cash book, a spreadsheet, or self-calculating programs, like Excel and Open Office. An entry is only made to the cash book/journal when an expense is paid or when revenue is received. Entries should be in agreement with bank transactions.
  • Double-entry bookkeeping system: This system is usually the standard method used by most businesses and accountants. Unlike the single-entry system, the double-entry system is more complicated and detailed, which gives businesses an accurate and complete recording of financial transactions. In this system, the concepts of debit and credit are already involved, and every transaction is entered twice in two different accounts.

Traditional bookkeeping is done manually by hand using manual or paper book accounts, such as worksheets, ledger, and cash journals. Well, if you’re just a start-up and don’t have yet too many transactions, manual recording can be a fine option. However, if your business is already growing, you must consider shifting to double-entry system and doing your books with the aid of computer. Today, many companies are already using bookkeeping software to keep track their financial activities more effectively. Others even consider the alternative of hiring a professional bookkeeper or accountant, or outsourcing their accounting task to a reliable accounting firm.

Well, if you want to save time, money, and resources, hiring a professional or outsourcing your task can be the best option. In such case, you no longer need to worry about how you will record, manage, prepare, and calculate your financial data, since your hired professionals will already do them for you. However, we can’t ignore the fact that some businesses, particularly smaller and home-based businesses, can’t afford to do it. If you’re one of them, though, you have the option to use affordable computer programs and software to make the task of bookkeeping more manageable and less time consuming. Of course, the choice is always yours. But remember, whether you use manual recording, hire a professional, or utilize a computer program, you must still ensure that you know some basics about accounting or bookkeeping to effectively manage your finances.

Handheld Cordless Vacuums

Cleaning the house can be a bothersome task without the right equipment, especially vacuuming. Unless you have a good vacuum, you will notice that you will not want to clean your carpets or your sofas that often. It all becomes a tedious task. Forget the old-fashioned vacuum designs where you had to drag the cable with you wherever you went. Cordless vacuums have taken their place and have changed the way most people feel about vacuums now. These hand held devices are a life savior, and you don’t have to worry about tripping over the wires anymore! For some more handheld cordless vacuum reviews, visit this website.

cordless vacuum

Dyson DC44

A masterpiece by Dyson, this vacuum cleaner has been a favorite amongst people of all types. This cordless vacuum can work for 20 minutes straight after it has been charged, and do not underestimate it! It might not look like much, but it is extremely powerful, yet lightweight, making it easy to use. It is also well balanced, as its center of gravity is located at the tip.

Black & Decker Cordless DustbustER

This is a compact device which comes with several different functions. Aside from being cordless and handheld, it also contains an easy to use dust emptying system, a flexible hose, and a powerful motor. However, the device can be quite noisy. It is recommended to mount it on a wall. This is a perfect vacuum for those with pets, as this also comes with a pet-hair attachment, which will help you get rid of all the hair that your pets shed.

Hoover Clik

Easy to hold and use, this is a great vacuum for those people who want to reach those difficult areas but can’t. It is all thanks to its shape that one can reach all the nooks and crannies to ensure that the areas have been thoroughly cleaned. It comes with a wall mountable charger to fully charge it, and can run for up to 18 continuous minutes. This vacuum can be especially helpful while cleaning cars.

iRobot Roomba 760

Who said that you HAVE to vacuum your own house? Why not leave the vacuuming to a robot instead? That’s right, iRobot ensures to suck up all the dust bunnies around your house and makes sure to reach all the nooks and crannies as well, all without your help! This is considered to be a genius robot, and has several in-built sensors to help it achieve its aim. You can set its cleaning dates and times by yourself through its advanced scheduling option, and it will easily do your job for you up to 7 times in a week!

Samsung FlexSlim

This multi-purpose vacuum cleaner can be used however you want to use it. You can either use it as a hand-held device or an upright one, the choice is yours. You can use it to reach those difficult, tiny spaces in the room and easily use it to suck up all the dust around those areas. You can also use it to clean your car

Bottom Line

Cleaning the house can be a bothersome task without the right vacuum cleaners. But worry no more! The vacuum cleaners mentioned above will make cleaning a lot easier task.


Facts about Self Managed Superannuation Funds

Anyone would like to have money enough for retirement age. It can be very hard to know if the money you saved is already sufficient. Hence, self managed superannuation fund was introduced. It has one objective which is to save funds for retirement life. This is a kind of investment where anyone, both men and women can be able to set aside a part of their salary for the post-work years. It made use the granted tax benefits of the Australian government for the superannuation fund. The said funds moreover are invested for an exclusive goal to increase the member’s retirement funds. This just means that the funds are important for a person to obtain financial security. By means of the superannuation fund, you are also capable to get permanent disability as well as life insurance.

Smft nagdali ko

The SMSF is also known as the DIY super fund. It is a special type of superannuation fund. The Australian Taxation Office is the executive agency of the government enforces and supervises the SMSF compliance to the laws. One actual reason why this retirement fund is becoming more and more popular these days is that it gives people the authority to have their own choice. It is in line with how they want to run their retirement funds. The self managed superannuation fund teaches people how to be accountable of using, buying, and selling their investment for it to grow. In return, they will harvest its benefits as their money for retirement will increase. They also need to make sure that all the actions will adhere to the laws and restrictions. This is why, when looking to set up this kind of fund, comprehensive learning on how it really works truly matters.

Getting started can be as simple as reading a manual about super funds. Asking experts and professionals around can also be advisable so as for any of your questions can be addressed properly. There are quite a few responsibilities and laws linked to this kind of retirement funds. Below are some of the other facts to keep in mind:

  • One basic thing is that the trustees of the fund are also its members. Different requirements exist depending on the trustees. It can be individual trustees or corporate trustees.
  • As per the Australian Taxation Office, a single member can be considered as SMSF if the member is likewise the only director of the trustee company.
  • Like what was mentioned above, the trustee of the SMSF is responsible in managing the funds. Thus, the trustee should abide by the state provisions and various duties.
  • The law takes the precedent over the trust deed if in case the law and the trust deed has conflict.
  • When the SMSF will not be used for the intention of retirement funds, it may lead to criminal offenses or civil charges. Please remember that if the laws of the SMSF will not be followed or disregarded, it may lead to paying huge charges, prosecution and can even lead to imprisonment.

4 Common Causes of Sump Pump Failures

If you have a sump pump installed in your basement, then I’m sure you know how much of a hassle it can be when it breaks. These fixtures can remain dormant, sitting quietly for most of the year but when the rainy season starts or when the snow is melting, the pump needs to be working smoothly again. A lot of household owners often forget about checking their pumps before it is needed and then get surprised when they discover problems. This is bad practice that you need to change.

Like cars and other mechanical systems, sump pumps are made up of several parts that all contribute to the process of pumping water. All of the nuts and bolts of the sump pump need to be in good condition otherwise, you may run into complications and even major damages that can cause flooding in the house.

sump pump failure

Here are some of the most common causes of pump failure:

  1. Switch Problems

A switch problem happens when the pump shifts position in the basin and pushes the float, which is responsible for the operation of the on and off switch. Because of the change in position, the float can become ineffective.

  1. Clogged Discharge Lines

To keep the sump pump running smoothly, the system requires discharge pipes that are clean and clear. It is important to protect the discharge pipes from debris like sticks, dirt and rocks. Additionally, it should also be protected from freezing for optimal performance. There are special grated line attachments that help the water flow out efficiently even when there is minimal blockage in the pipes.

  1. Improper Installation

One of the most important things is the installation because it all starts from here. Even if you purchase an expensive, high-powered sump pump but the installation is not done right, expect to have issues along the way. The manufacturer’s instructions should be done exactly right. If you are unsure of what to do, you can always hire experts to do the job for you. It would also help to do some research beforehand so you would have an idea of the process that goes into installation.

  1. Maintenance

Through the years, your sump pump system will naturally deteriorate. Pedestal type sump pumps should last at least 10 years and the best submersible sump pump typically lasts for at least 5 years. Of course, this would greatly depend on the maintenance of the mechanism. To extend the lifespan of the pump, make sure to regularly check if everything still works as it should. Clean out the pipes, if needed and replace batteries (for battery-operated pumps) every 2-3 years. More maintenance tips can be found here.

The next time you experience or suspect issues with the sump pump in your basement, take some time to do some research first and try fixing it yourself before calling your local plumber. Remember that prevention is oftentimes the best solution so don’t be lazy and take proper care and maintenance to avoid future problems and breakdowns.


A sewing machine is a machine used to stitch fabric and other materials together with thread. Sewing machines were invented during the first Industrial Revolution to decrease the amount of manual sewing work performed in clothing companies. Since the invention of the first working sewing machine, generally considered to have been the work of Englishman Thomas Saint in 1790, the sewing machine has greatly improved the efficiency and productivity of the clothing industry.

Home sewing machines are designed for one person to sew individual items while using a single stitch type. In a modern sewing machine the fabric easily glides in and out of the machine without the inconvenience of needles and thimbles and other such tools used in hand sewing, automating the process of stitching and saving time.

Industrial sewing machines, by contrast to domestic machines, are larger, faster, and more varied in their size, cost, appearance, and task.




Without the sewing machine, the world would be a very different place. Like the automobile, the cotton gin and countless other innovations from the past 300 years, the sewing machine takes something time-consuming and laborious and makes it fast and easy. With the invention of the mechanized sewing machine, manufacturers could suddenly produce piles of high-quality clothing at minimal expense. Because of this technology, the vast majority of people in the world can now afford the sort of sturdy, finely-stitched clothes that were a luxury only 200 years ago.

In this article, we’ll take look at the remarkable machine that makes all of this possible. As it turns out, the automated stitching mechanism at the heart of a sewing machine is incredibly simple, though the machinery that drives it is fairly elaborate, relying on an assembly of gears, pulleys and motors to function properly. When you get down to it, the sewing machine is among the most elegant and ingenious tools ever created.

Sewing machines are something like cars: There are hundreds of models on the market, and they vary considerably in price and performance. At the low-end of the scale, there are conventional no-frills electric designs, ideal for occasional home use; at the high-end, there are sophisticated electronic machines that hook up to a computer. Textile companies have many machines to choose from, including streamlined models specifically designed to sew one particular product.

But just like cars, most sewing machines are built around one basic idea. Where the heart of a car is the internal combustion engine, the heart of a sewing machine is the loop stitching system.

You can find the the  best sewing machine and if you are beginner in sewing and want to learn how to sew you can go to best sewing machines for beginners and select yours.

Here we discussed about the mechanism of a sewing machine. There are a lot of sewing machines and other types of machines in the market. You may want to know some of their mechanism. Sprocket Works helps you with this kinds of information. The mechanism of sewing machine was taken from this site. You may have your science exams or assignments or projects on mechanism of different types of machines. You can click here and find out what’s sprocket works and you can know about different types of  machines.

The Importance of Payroll Service in Today’s Business

As a business owner, one of your most important roles in your company is to ensure that payroll is handled carefully. Employees work hard to help you run your business smoothly, so it’s just right to pay them appropriately. In addition, you have to pay accurate tax on a regular basis to continue your operation. But we all know that payroll tax laws frequently change, which makes the payroll processing a lot more difficult. In fact, one out of three businesses is penalized by IRS for payroll errors.


This is the very reason why payroll is considered a very essential aspect of business, and many firms choose to get a payroll service. Rhonda Abrams, the president of the business site The Planning Shop said, “One of my rules is if you have one employee, get a payroll service.” Payroll processing has a lot of benefits; hence, every business should have it.

In-house payroll

One way a business can organize its payroll is to do it in-house. When you do it in-house, you assign an individual or a department to run it. In some companies, the directors often manage the payroll processing; but in other companies, they assign it to people, who have certain knowledge in the field, or comfortable in using payroll software. But whoever is running the system must be familiar with the tax system and preferably, with computers.

Outsourcing payroll

Another way for a business to organize its payroll is to outsource it. When you outsource, you hire another individual or company to handle the payroll processing for you. In today’s age, payroll outsourcing is becoming more popular and much preferred because it allows business owners to focus more on other important business issues. Outsourcing payroll also helps companies to cut costs, improve efficiency, and reduce payroll errors, making life easier for company owners.

Most outsourcing companies have an updated payroll processing system that secures the data of their clients and helps them keep up with the constantly-changing tax laws. So if you’re a business owner and haven’t considered outsourcing your payroll yet, then it’s the best time to try it now.

But while outsourcing your payroll can be a great benefit to your business, it is important to pick the right service for your needs. Remember, not all payroll companies are the same. So, how will you know which company to choose?

Experts say that one of the smartest ways to get the right service is to ask the people you trust. Ask your friends, family members, or people you know what company they would recommend. Obviously, when they recommend it, that means they loved their service and wanted others to experience it. It’s important to list all your potential choices, and then make an effort to research about them to get to know more of them. And then decide. Consider your needs, your budget, as well as the company’s reputation when choosing.

Indeed, payroll processing is a very important part of any business. And however you decide your payroll, whether in-house or outsourced, is an important decision; so a careful thought is needed.

How Do Metal Detectors Work?

A metal detector is an electronic instrument that is used to detect hidden objects, particularly metals. It is considered one of the most amazing and useful devices today as it can accurately detect the presence of most types of metals. There are different types and models of metal detectors, but the most common ones are the handheld and walk through models. These are commonly found in schools, office buildings, prisons, and airports.

Metal detectors have a wide range of uses – from leisure to safety. With the help of a metal detector, security personnel can instantly detect if a person is carrying undesirable objects, such as knives and weapons. Even if the object is kept securely inside your bag, metal detectors can discover them. And with the help of a metal detector, adventurers can have an opportunity to find valuable treasures buried underground, such as coins and jewelries.

metal detector

How metal detectors work is quite simple – they use the principle of electromagnetism. Of course, different models work in different ways, but here’s the science behind how one of its simpler kinds work. A metal detector contains a coil of wire inside its loop, known as transmitter coil. When electricity flows through the coil, it produces a magnetic field whose polarity points into the ground. Each time the current’s flow changes, the field’s polarity changes, too. This changing magnetic field affects the atoms inside any metallic object, creating another magnetic field.

This second magnetic field is what the metal detector picks up. The detector has a second coil of wire inside its loop, called as receiver coil. When the magnetic field produced by the metal flows through the receiver coil, it amplifies the frequency and sends it to the control box (the part of the detector that contains controls, speakers, and battery), alerting the person holding it that he has found something. The closer you move your detector to the piece of metal, the stronger the magnetic field is picked up by the receiver coil.

Operating a metal detector is not that complicated compared to other modern devices. In fact, it is not necessary to understand the scientific principles on how to use this instrument (although it is better if you know it). Once you turn the unit on, you simply sweep it over the area you wish to search; and when you pass it over a target object, the signal lights up or creates a sound, informing you that you have found something. Even modern metal detectors work on the same principle; there are just more advanced features added to make them more functional and make the user’s experience even better. Today, newer models contain displays that show the type of metal detected, as well as how deep in the ground the metal is located.

In case you need a metal detector, and still unsure how this device works or don’t know how to use it effectively, you may want to check out this site www.mytreasuremetaldetector.com. In this site, you’ll discover the best metal detector in the market as experts share their metal detecting tips.

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