Work,as a way to build Savings for your home Renovating.

Here, I note several ways many of my pals have designed their careers, to build the Initial capital to get into Home Renovating.
1  Work as a geologist to discover minerals, find $6Bn goldmine.
2  Work at a remote mine, where many living expenses and rent are paid by the company.
3  Work in Africa, for the U.S. government, thus most expenses are covered and at a reduced tax rate.
4  Put wife out to work, in a highly paid medical field.
5  Work for a major listed company, and take all bonuses an part salary, as cheap options for big tax advantages.
6  Work as a Financial Planner, thus studying all the best investments all day.
7  Work for a listed company, that gets taken over.

8   Work part-time as Fund Manger for the family wealth.
9  Work overseas in a low tax area, like Hong Kong or Africa.
10  Work as a tax agent, thus meet and learn from, the business people.
11  Work part-time as a local councillor, thus meet the business people, learn about the future growth of your suburb.
12  Work as a Property Manager and thus learn from investors.

13  Work as Building Property Management rights owner and find discounted units for sale.
14  Work at two jobs, not recommended,unless one builds capital.
15  Work in a capital gains protected area,building capital, like home builders.

16  Work at a big Mutual society an get takeover, by a listed company.

17 Work as a Mortgage Broker, an learn from your clients an deals all day long.
18  Work as a successful real estate agent and discuss deals all day!
I have drawn worked in six of these careers, others are my pals,so they are all real cases.

Paint, a Best home Renovating Product

Paint must be seen as a likely loss leading product, in big box hardware stores. Just as beer and milk are the loss leaders for the big grocery chains, Woolworths and Coles.

The Home Depot clone, Bunnings claim it has secured a great deal from Taubmans to broaden the product and colour range, offer training to Bunnings staff and cut throat price discounting. Lowes/Masters discount hardware store, is likely to have similar deals with its suppliers, when it opens in October, 2011 in Braybrook,Victoria. The paint sales person can give you test paint pots, always apply this in a hidden area.
Bunnings has discount paint, from Nippon and the IN brand. I always prefer the better quality paint, as I have bought the discount paint and found it did not cover so well. Paint will appear darker, the larger the area you paint. Your labour is far too valuable to spend time on poor products like cheap paint. It required me to apply several coats, an turned out more expensive in the labour area. Always buy the best quality brushes or wool rollers, as poor quality will create work with moulting bristles or fribs.

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Flooring ideas for Home Renovating

Flooring is one of the most impressive Home renovating ideas.

1  Even Linoleum, is making a comeback. Its available as an environmentally friendly, product from Forbo global range. It comes in a wide range on colours and styles. Its easy to install and clean. Given the speed of installation and great look, Linoleum can be a good product for rental property.

2  Tiles give a room a very clean look, come in a wide range of finishes, colours and looks. They can be easy to clean. They are very popular, as they are easy to lay and give a dramatic impression. Be careful to avoid slippery surfaced tiles.
3  Timber floors is a great choice for those who suffer dust and respiratory allergies. A feature rug can alter the look of a floor easily. The four major ranges of floors include solid timber floors, parquetry with a jigsaw look, laminate with a softer feel, and engineered floors which feature a veneer of timber over a hardwood core.

4  Bamboo flooring is becoming increasingly popular with architects, interior designers and homeowners because of its natural beauty, durability, unique textures and wide range of colours, finishes and styles and also compares favourably with traditional solid select timber floors such as Jarrah, Tasmanian Oak and Black Butt.

Bamboo Flooring is:

already sanded and finished with durable coatings;

• is capable of being quickly installed ready for use;
• can be laid over existing subfloor structures e.g. timber, tiles or directly onto concrete;
• has no toxic fumes normally associated with onsite sanding and polishing;
• provides minimal disruption to the homeowner;
• its price advantage over traditional solid select timber floors
• Superior performance qualities over existing hard wood alternatives.
• therapeutic benefits of bamboo flooring include a reduced chance of developing back, hip, knee, and ankle problems. Given the underlay these, veneers can have a softer feel than solid timber floors.

5  Carpet, provides warmth and insulation benefits. Carpet gives a luxury feel, though avoid it in the Kitchen or other spill areas. A carpet should always have good underlay, as this gives a softer and warmer feel. A larger carpet with a consistent pattern might have a feature border to give some interest. Avoid carpet with loops, they can be high maintenance, if you have indoor pets.

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Population pressures on Home renovating Values

Dr Bob Birrell, {Monash population research centre}, reports that a crackdown on foreign student visa and tougher Skilled migration rules mean fewer migrants. Dr Birrell, estimates Melbourne will grow by 500,000 over the next decade. This is achieves a marked slowdown on recent years growth. The Committee for Melbourne, estimate it will grow to 4.7 M by 2021 and eight million by 2060. ABS estimates Melbourne at eight million by 2056. So take your pick of all these estimates. Well they are the experts, I think they are both underestimates.
The population forward estimates from population minister, Tony Burke, due in June 2011, will be most interesting.The government in its latest Budget projection s is forecasting an increase in net immigration of 20,000 a year. On a compounding basis this is a significant rise in the future demand for housing.

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Tips for First Home Buyers

One of the hardest things for many First Home Buyers is establishing the saving psychology to start. Everyone knows, just how hard it is to Save: given a third of your income is rent, a third in taxes and a third on living.

Given, once you have bought, it is entirely likely, that the Bank Home repayments will be much like meeting the rent. Its the Deposit, that’s the hard thing.

Below, I set out a few ideas, hope they strike a chord with you.
1   Research, the current First Home Buyer grant, these have been running on and off since 1963. The programme is often changing, but with newer Home loan guidelines, you can use this as a large help to meet the Deposit. Consult www.sro.gov.au

2   Recognize that the Stamp Duty saving to First Home Buyers are a massive saving for you: organise your thinking to grasp this saving.

3   Study, the renovation game, for example, there are many TV shows which highlight the renovation opportunity. A renovation may create a deposit, if you live in a modest home and do it up.
4   Research ways to increase your income, such as renovating cars,{which is tax free}, or weekend jobs with your circle of pals.
5   Research ways to save on expenses, such as, convert your car to LPG, save $50 bucks a week.
6   Save on holidays from the Internet, at sites like www.stayz.com.au, www.lastminute.com.au www.travelzoo.com/au www.wotif.com.au www.expedia.com.au
7   Save on groceries, by shopping at bulk stores, Costco, Aldi, Get Fresh or Farmers markets.
8   Save on furniture and clothing, by buying at Clearance stores, Factory Outlets, Sunday Markets or Salvos stores.
9   Ask your relatives about an Equity Guarantee, as security for your loan.
10  Ask all your friends an pals for saving Ideas and Income ideas.
11  Organise all Christmas and Birthday presents to be made in cash, as a savings measure.
12  Run a modest Home based business, in order to, claim the legitimate tax breaks, on cars, rents, library, office expenses, clothing, telephone, Internet, research and study tours. Modest businesses are being started on Ebay and Sunday markets.
13  Read magazines, like First Property Buyer, or their website at www.firstpropertybuyer.com.au
14  Are you prepared to allow some pals to live in your home and help with the Bank repayments?
15  Are you prepared to live as a House Sitter, during a short term, rental saving phase?

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