Author: Alex

Categories
Wellbeing

14 ways to stay healthy & motivated when working from home

They say the body is a temple, but since most of our modern life is spent working it can be difficult to maintain a healthy, balanced lifestyle. As many of us are now making the shift to working from home, we also have the opportunity to be more flexible with how we approach this balance. 

Here are some ideas to help you stay motivated and healthy when working from home. 

1. Alignment of values

It’s been well documented that to be fulfilled by their work, people must have an understanding of the company’s strategies, mission, values, and ethics, and align them to their ideals. The product, its purpose, social and environmental impacts should all be considered. If you’re consistently unhappy with your organisation, they may not align with your personal morals.

2. Keep learning

In order to stay motivated with your career, it’s vital that you continue to learn. If your work is starting to feel stale consider enrolling in a short course or take a look for any upcoming seminars or workshops. Sometimes a fresh perspective and meeting like-minded colleagues can make all the difference. 

3. Have courageous conversations

Learning to say ‘no’ on occasion can be challenging but is imperative to protecting your health. It’s important to have courageous conversations with others when something needs to be said, but the message is complicated and sensitive. The immediate discomfort will pass, but is preferable to the accumulation of long-term effects of ignored problems being swept under the rug.

4. Take breaks

Taking scheduled breaks, where possible stepping outside for some fresh air, will help break up your day. You should also consider scheduling in regular mini-breaks and getaways will help to de-stress – having something to look forward to on the horizon is almost as fun as the holiday itself. 

5. Contributing and adding value

As conscientious employees, people want to contribute to the team (especially when they’re not physically present) and add value to the company. Try volunteering to assist on special projects – within healthy limits. A cohesive, healthy team will celebrate individual and group wins.

6. Ask for help

Sometimes work can get on top of everyone. Pulling together during more challenging times is a sign of a good workplace. Don’t be afraid to call for help when and if you need it. If the company culture is the right one for you, the team will be receptive and supportive.

7. Be understanding

Try to understand people and their real motivations when they act negatively or in an unexpected way. A little empathy can go a long way to diffusing tough situations, and protect you from internalising the negativity of the situation. It’s also important to remember that when communicating via email/chat, the tone of the conversation is very different to in-person, and therefore people can be easily misinterpreted.

8. Ergonomics

Ensure your home office set up is as ergonomic as possible. A healthy posture will help with not only physical wellbeing but can also help you feel alert, focused and confident. Consider furnishing your home office with an up-and-down, standing desk that will promote better health than sitting all day. Stash the spare yoga mat and exercise bag and stretch daily. Wear nice, but comfy clothing and supportive footwear. 

Home office with ergonomic chair, laptop, two monitors and desk.
An ergonomic home office set-up / Source: DSdezines interiors

9. Positive outlet

Finding a positive outlet for emotions is another excellent way to protect an employee at work or when dealing with work stress from home. What works for some won’t work for others. For example, some might blow off stress by going for a run, while others simply need to step out for some fresh air and sunlight. 

10. Know your limitations

When working, a good employee will want to do everything right. They’ll want to be seen as authoritative and will want to be able to do it all. Knowing one’s limitations will help them to avoid mistakes, illness, and breakdowns. 

11. Mindfulness

One should practice mindfulness and breathing. Being present, being aware of stresses on the body and focusing one’s attention on the current task is essential. Try a 5-minute lunchtime meditation to calm your mind and help focus. 

12. Healthy meal options

Keeping up a healthy amount of vitamins and nutrients is essential for overall well being. Choose healthy lunch options like fresh salads or sandwiches, and snack on high energy foods like fruits and nuts. Try mixing it up with some vegetarian options – it’ll push you to be more creative with your meals, trying things you may not have otherwise thought out. 

13. Plan the week’s diet

Even if you’re working from home, being prepared can help make life easier. Prepping weekly menus will keep you from resorting to the convenient, less healthy options because you’re hungry and unprepared.

14. Drink more water

Buy a large drink bottle for the office, and make sure it is filled up daily with fresh water. If you’re not great at remembering to hydrate while working, try setting reminders at intervals throughout the day to coach yourself toward better habits. 

Wrap up

In the end, one’s success and happiness are majorly up to them; finding what they need from what they want. Aligning their values with a company’s and choosing a workplace that gives back to their workforce, the external community, and to the planet is increasingly more critical. Having robust, best-practice strategies, like the ones above, promote wellness and can fix or mitigate many potential health risks people face from outside and within. Being kind to others and remembering that the workplace is made up of humans working together, even when using remotely, will make work and life more balanced and better for everyone.

Categories
Building & renovations

Building designer vs architect

The first step in any new home construction or redesign is finding a professional designer who will help make your dreams a reality. This is not something for the amateurs; you need to go pro if you want to get the most practical, beautiful home out there for you and your family. That means you’ll need to either employ a building designer or an architect. However, this process can be tricky – and it’s not one you can afford to mess up. We’ve put together a guide here that will help you choose which type of designer is best and how to find the right one. 

Qualifications

Architects and building designers are both qualified to design buildings, but there are some legal differences between the two. An architect is required to have the following:

  • Successful completion of required university courses specific to the architectural field
  • Acceptance and up-to-date membership (with all current fees paid) in the state board of architecture
  • Necessary insurance licenses and registration/certification documents

Building designers aren’t required to have any of these things, but they do need to be licensed from an appropriate state building board, such as a Building Services Authority, and they have to be fully insured with the requisite policies. These legal requirements are nationwide and were implemented for the protection of consumers.

Although it’s not required, a large number of building designers also join distinguished professional organizations, such as the Building Designers Association or the Royal Australian Institute of Architects. In order to join, designers have to prove their competency, and membership is an added cachet that can help inspire consumer confidence.

A render of a modern, two-storey home
Architects and building designers can create detailed renders of your building plans / Source: Artin Design

Who is more competent?

Builders and architects should be judged by their individual competencies and merits. As with architects, many building designers have established a stellar reputation through years of accomplishment and enthusiastic client referrals. Likewise, some building designers or architects may be more comfortable designing commercial buildings rather than residential homes. Otherwise, you should consider the two designations as being completely equal and go from there.

Finding the right building designer or architect

When contacting a building professional, you’ll first want to get their references and credentials. Your builder should be fully insured and licensed to work in the state where your building site is. Look for membership in reputable professional organizations; these are always a plus. Check referrals and ask for photos of similar jobs. If the building designer or architect is new in the profession, ask for copies of preliminary studies and design drawings.

After establishing credentials, discuss your design specifications to determine if this particular professional can accomplish the results you’re looking for.

Contact local building designers

The price of a designer

Odds are that you’ll never find two building designers with the same type of fee structures – they’re usually very dissimilar. They might offer a fixed or an hourly fee, first off, and the cost will be dependent on the varying levels of service they offer. Basic services might only include a consultation, site visit and design and would only include the most bare-bones drawings. More advanced services generally include consultant use and the design of the landscape and interior, along with the electrical layout. Eventually, you’ll likely be charged a percentage of the total price of the project. A rough estimate might come out to 7.5% of the total for full service or around 5% of the total for basic service. Don’t forget to get an upfront look at the fees before you sign any contract.

Categories
Outdoor living

Outdoor lighting ideas

Outdoor lights serve a practical purpose, illuminating dark spaces, lighting a pathway and securing your home during the night. Along with its functional benefits, outdoor lighting decor can replace a gloomy and uninviting space with an ambient glow in your backyard. Create an idyllic zone in the comfort of your own garden with our stunning ideas to decorate an outdoor space with lights.

The benefits of outdoor lighting

You can use outdoor lighting for functional tasks, or you can use it as a decorative accent. Task lighting should be placed in areas where there is high traffic and activity, such as above the barbecue grill or on pathways. Likewise, accent lighting can be placed anywhere to showcase the porch or an attractive item in the garden, such as a special tree or a beautiful statue. Accent lighting can also divert the viewer’s attention from items you may not want to put on display, such as a weather-worn doghouse or a sagging clothesline in the backyard.

A steep driveway with lights in the wall on both sides
Lighting in walkways and driveways provide safety / Source: Goodwin Electrical Contractors

Choosing outdoor lighting

Before you start shopping for outdoor lighting, decide what you want the lights for. Will they be decorative and subtle, or should they be bright enough for high activity areas outside? Do you just want to showcase water features and garden attractions, or will you be lighting up pathways so that you and your visitors can see at night? 

Garden uplights

LED uplights are mounted at ground level to focus light upwards and illuminate surrounding plants, showcase the architectural features of your home and create a modern edge to your garden and landscaping. Uplights can update a dull garden wall or add character to a mundane space and are inconspicuous during the day.

Uplights are designed to withstand fluctuating weather conditions and temperature changes and installing a durable copper ground light will further extend the life of your ground light. When adding an uplight, angling the light creates harsh shadows but positioning the light close to the base of a plant, will let the light beam travel upwards.

String lights

For a cafe-inspired vintage look, hang rows of string lights overhead or across a gazebo. String lights can cover a wide range of space and function as a versatile decorating option for a unique outdoor space.

Take precaution and avoid any loose power leads or exposed hooks as you install your outdoor string lights. Secure outdoor leads and chords with electrical tape or clips rather than utilising screws or hooks which are prone to corrosion. String lights are available in a range of colours and styles, but low wattage incandescent lights are popular for its tinge of yellow. Before purchasing a string light, confirm it is fitted with LED bulbs for a longer-lasting alternative in your outdoor space.

Nylon lanterns

Nylon lanterns are finished with a soft lustre and a bright finish and are an eye-catching addition to your garden. Unlike than the traditional paper lantern, nylon lanterns are also wind and water-resistant making it more acclimatised to the outdoors.

Solar lanterns are an energy-efficient alternative, with most solar lanterns equipped with dual LED bulbs, rechargeable batteries and built-in sensors that allow the lanterns to switch on automatically and glow for up to eight hours.

Contact local electricians

Deck lights

Power choices in deck lights

You will need a power source for your deck lights. There are three main types you can choose from. You can opt for hard-wired lights that you can control from dimmers or switches, lights that simply plug into your regular electrical outlets or solar-powered lights. With these options, even a beginner can change the atmosphere of their deck using deck lights.

Pod lights

These lights are very versatile and can be mounted virtually anywhere on your deck. Pod lights offer bright lighting and low profiles that can be used to create dramatic lighting effects. You can also place pod lights in areas with plants to diffuse the light, creating a softer effect. For this type of lighting hard-wiring is usually required since they are halogen or LED-based.

Deck post lights

Deck post lights are the easiest to install and can often be found in solar-powered models. They are designed to simply fit over the top of a deck post and usually only require a set-screw to hold them in place. While solar-powered deck post lights are the easiest to instal and require no outside power source, they may not offer a great amount of reliable light.

Inset lighting

Although inset lighting is the most difficult to install, it can also be the most beautiful type of deck lighting. As the name suggests, inset lighting must have holes drilled in the decking for the lights to be set into, and these lights usually require hard-wiring. If you are not well-versed in electrical work, this may be best left to the professionals.

Inset lighting can be used on deck steps to light them up for safety precautions and used to create a lit walkway up to the main deck area. You can opt for accent lighting with the lights placed strategically around the deck or you can create a more dramatic flair with lights running around the perimeter of your deck. 

Two lights either side of a closed door
Lights illuminating the entrance to a property / Source: Super Home Services

Lighting options for your pergola

You may be surprised by just how many options there are for lighting your pergola. Take your time exploring them to find the lighting that best suits you and your home. Some of the common lighting methods are:

  • Outdoor fireplaces
  • Solar lights
  • Fire pits
  • Sensor lights
  • Torches
  • String lights
  • Chimineas
  • Candles
  • Solar lights
  • Spot/floodlights
  • Lanterns

Budgeting and lighting

While the costs of the lights themselves are always a consideration when planning your budget, don’t forget the cost of running the lights. Electrical lights are becoming increasingly expensive as the cost of electricity rises, even more so if they are not energy efficient. You might also consider the cost of replacing lights that become damaged by weather or by accident.

Categories
Gardening & landscaping

Grow your own vegetable garden

More and more people are growing their own vegetables at home as an alternative to buying from the supermarket. There are many reasons for this, not least the fact that it can be quite a considerable saving from your weekly grocery bill. In addition to this, if you grow your own, you’ll know for sure that they haven’t been chemically treated and can harvest them at the peak of their freshness for that extra special taste. You don’t even need a large garden or plots of soil, as there is a large number of vegetables which can be grown in pots.

Choosing which vegetables to grow

Of course, the first consideration when growing your own vegetables is your personal taste, so you’ll want to pick some of your favourite greens. Another thing to consider is the requirements of each plant; most need different amounts of sunlight and water, plus their own pot, but some veg can be grown together, like tomatoes and cucumber.

Potting your vegetables

Any type of pot is usually adequate for growing vegetables, even old buckets or cans, but you’ll generally want to use a clay pot with holes in the bottom so surplus water can drain out. These pots can be sealed to prevent too much water escaping. The colour of the pot is important too; for vegetables that need a lot of heat, you should use a dark pot and for those that need less heat, a lighter coloured pot is preferable. The size of the pot you use will obviously depend on the size of the veg you are growing, with larger greens such as tomatoes and squash needing large pots. The final thing to consider before planting your seeds is the type of soil that the plant will need in order to grow. Usually, this will be indicated on the seed packet, but most pots should be filled with a sterile, pH adjusted soil with fertiliser and water retention granules.

Pots with vegetables and herbs on a balcony
Vegetables and herbs growing in pots / Source: Shutterstock

Growing your vegetables

Once you’ve selected and planted your vegetables, it’s time to let them grow. They obviously need sunlight and water, but care and attention are the most vital ingredients. Regularly watering your plants will keep them from becoming dehydrated and give them the best chance to flourish. 

How to grow cucumbers

Cucumbers are classified as fruits as they take well to warm weather and come in a wide variety of types. Nonetheless, cucumbers can be a staple food item and are a great plant to grow in your first vegetable garden with numerous health benefits: 

Plant in early spring

Plant cucumbers early in September as a seedling or newly planted seeds.

Pick a spot with lots of nutrients and organic matter

Cucumbers need lots of water while growing so plant seeds in moist, loose soil that’s well-drained.

Give them space

Distance your cucumbers half – a metre apart to give them space to grow.

How to grow potatoes

Potatoes are a versatile vegetable with a wide range of uses. While potatoes can grow from an existing potato, planting seeds from a local garden centre will give you a better yield of crops.

Timing is key

Plant potatoes between late Feb- September and you should see growth within a week to ten days. Potatoes will mature in four to five months. Potatoes should be planted at least 10cm deep and at least 50cm apart from each other.

Additions will help

Loosen up your garden’s soil with additives like manure that provides the needed phosphorus for potatoes.

Keep your crops covered

During the early growth phase, keep potatoes covered with soil and mulch because sunlight can render potatoes inedible. Keep potatoes moderately watered but overwatering can cause rotting.

Harvest when vines die

The ideal time to harvest your plants should be when the lower half of the plan begins wilting, approximately a month after the flowering has begun. Store your harvested potatoes away from the full sun and ensure they’re completely dried before storing them away.

Contact local gardeners

How to grow garlic

Garlic is easy to grow all year round and while it’s a tiny addition to your recipes, a small clove makes a big difference in flavour and seasoning.

Plant in full sun

Choose an area of your garden that receives full sun all day. Garlic doesn’t use seeds and a clove can be planted in a pot or a patch as it won’t harm plants nearby.

Garlic blooms in March

The middle of March when the days are shorter and nights are cooler, make it an ideal time to plant garlic. Plant a garlic clove two to three centimetres under the soil with the narrow end upward facing. Separate your cloves about a fist distance apart in rows that are about 35cms wide. Water garlic generously about twice a week.

Harvest garlic cloves when the leaves die

Simply grab the stalk of the plant and pull the bulb from the soil. Simply brush the dirt off rather than washing a garlic clove.

A person pruning seedlings with scissors
Pruning herbs and vegetables can encourage their growth / Source: Shutterstock

Growing herbs

Many herbs are seasonal and will only survive until the growing season is over. Basil is a fast-growing herb, and its growth is encouraged by pruning. Try putting this in a window during the summer months. Remove flowers from cooler-climate herbs like coriander and dill, and they’ll last much, much longer. The pruning helps to keep them compact and will help keep the herb yields higher. 

A more inexperienced gardener might want to go for herbs like rosemary, sage and thyme. The less attention paid to them, the stronger they’ll be. One thing to watch out for when you start to plant – lookout for pests. They can quickly become a problem. In order to combat insects, be sure to use natural products or solutions to get rid of them once and for all.

Categories
Lighting & electrical

Kitchen lighting ideas

Our kitchens are communal spaces for creativity and nourishment. Here are our top kitchen lighting ideas that combine style with energy-saving technology to enhance the culinary experience and create an ambient space the entire family can enjoy.

Three different kinds of kitchen lights 

There are three major types of kitchen lights to mention:

General lighting

General lighting illuminates the entire room. Mostly, this will be overhead lighting, which can be either recessed lighting or a hanging light.

Task lighting

Task lighting is that which is designed for specific purposes. It is an essential feature in every kitchen, making it easier to perform tasks in some of the most common areas of the kitchen such as the bench, sink and stove. Don’t be restrained to one central light source but consider the unique way your family uses the kitchen and add a mixture of light sources that will adjust to your specific tasks.

Mood and accent lighting

Mood and accent lighting is key to creating an inviting atmosphere in a kitchen. Without it, any expensive and luxurious features might go under the radar and be missed.

Mood lighting creates an inviting atmosphere / Source: Caliber Kitchens

Light switches

General lighting should have switches at all entry and exit points. Rather than simply using a single switch for all task lighting fixtures, have separate ones for different areas. In U-shaped kitchens, for example, include separate lights and switches on both sides of the U. If there is an island in the middle of the room, it is a good idea to instal a specific light to illuminate it, with a separate switch to the main general overhead lighting in the room. Dimmer switches are important for accent lights to allow you to create different moods when you want.

Space savers

Lampshades and lanterns take up precious floor or bench space in small kitchens but opting for ceiling or wall lighting fixtures can help illuminate the space in a functional and trendy way.

In tight corners, dark pantries or small spaces, illuminate with stylish light alternatives. Rope lights or strip lights are practical, space-saving solutions in those tight, tricky kitchen spots. Adding a row of LED lights to your pantry, cabinets or narrow shelves is a stylish and practical way to brighten dark corners.

Contact local kitchen experts

LED strip lights 

LED strip lights are small lights installed on a strip and spaced so that they provide even light. Strips can be used separately or joined together, depending on the length of the area you want to light.

Because of their qualities, LED strip lights are great choices for kitchen lighting. They are functional, modern and good for the environment because they use little energy to run and they do not emit heat. Add in the fact that they resist moisture and are very sturdy, and you have a perfect lighting choice for your kitchen.

They are also extremely cost-effective because the bulbs last so long some last longer than 40,000 hours! No more standing on ladders and changing bulbs LED strip lighting might last longer than your kitchen.

Pendant lights

Pendant lights use space efficiently and accentuate a focal point in your kitchen by positioning pendants over central areas of the kitchen to organise a small space. Avoid oversized pendants in a small kitchen space but opt for pendants with petite shades or sleek edges, rather than a wide cylindrical shape to complement your space. Pendants generally require higher ceilings so consider the height of your ceiling.

A kitchen and dining room with three decorative pendant lights
Pendant lights can make a statement in a kitchen / Source: Bryce Parker Homes

Sunlight

Sunlight is an ideal source of ambient light that is entirely free. Save space and utilise natural light in your home by removing upper cabinets in exchange for extra window space. Upper cabinets impede incoming light and without the obstruction, natural light will bathe your kitchen space with bright and ambient light during the day. 

An electrician can help you pick out the perfect lighting fixtures to help you create the ideal kitchen. In fact, you can even find a lighting consultant to help you pick them out as well. Whatever you choose to do, never overlook the importance of lighting when doing kitchen renovations. They really can make the difference between a boring, ordinary kitchen, and a truly spellbinding one.

Categories
Gardening & landscaping

The benefits of mulch

Mulching is beneficial for new and established gardens alike. If you want to make your garden look healthy and beautiful, you should definitely consider applying a layer of mulch. Mulching is the application of a top layer of organic or inorganic material over your garden’s soil and can provide so many benefits to your garden. 

Mulch benefits

  • It conserves water in the soil
  • Organic mulches add nutrients to the soil
  • It helps prevent soil erosion
  • It keeps your plants from getting too hot or too cold
  • It helps prevent weeds from growing

Types of mulch

There are a number of different mulches that fall into two broad categories, organic and inorganic.

Organic mulches

Organic mulches are made from biodegradable plant-based materials, and they fertilise the soil as they break down over time. Common types of organic mulches are:

Bark and wood chip mulches are attractive, stay in place well and don’t blow away in the wind.

Sawdust mulch is inexpensive and it acidifies the soil, so it’s a good type of mulch to use around plants that require acidic growing conditions. However, it’s light and tends to blow away during windy weather, absorbs nitrogen from the soil, so you may have to fertilise more often and does very little to stop weeds from growing.

Straw mulch is even less expensive than sawdust, and it does a great job of keeping weeds from growing.

A house with a front yard covered in mulch
Mulch will help newly planted plants to grow / Source: Nature Build

Inorganic mulches

Inorganic mulches are made from a variety of non-biodegradable materials. They last longer than organic mulches, but they don’t break down over time and don’t fertilise the soil. On the other hand, they don’t remove nutrients from the soil either. Some common types of inorganic mulches include:

Gravel and crushed stone mulches are available in a variety of colours, which allows you to add a bit of colour to your garden beds. To prevent the small stones from mixing into your soil, place a layer of landscape fabric underneath.

Plastic mulch does a good job of keeping weeds from growing, and it helps prevent moisture loss from the soil. Plastic also prevents the soil from absorbing water, so a watering system needs to be installed underneath it. One big disadvantage to plastic mulch is that it isn’t environmentally friendly and can potentially leach toxins into the soil or underground water supply. In addition, pets and wildlife may eat it, which could cause intestinal blockages.

Fabric mulch comes in large sheets of tightly-woven fabric. Fabric mulch is excellent at preventing weeds from growing. Because fabric mulch isn’t very attractive, it’s usually topped with another type of mulch.

Applying mulch

Firstly, when you apply a layer of organic mulch around your plants remember that the best time to spread mulch which is in late winter/early spring. Secondly, remember to never mulch when the ground is frozen. Thirdly, remember to feed the plants before mulching and finally remember that too much mulch will stifle bulbs.

Contact local gardeners

Depth of mulch

If you’re using chunks of cedar, put them about 5-inches below the surface. They’re bigger and need additional time to breakdown. Same holds for other large organic materials like eggshells, banana peels or things that have gone to rot in your refrigerator’s crisper section. Grass clippings should be used only an inch-or-so down. You don’t want to use toxic materials where you’d like to grow good things.

Separate from the plant

Keep the mulch separated from the plant. Putting your plants too close to decomposing materials can breed diseases that could infect the existing growth.

Separate from your house

The wood that’s used to build your house can be severely damaged by termites. Mulch harbours wetness and these wood-eaters love moisture.

A front yard with small enclosed gardens containing mulch and plants
Ensure mulch is separate from your home / Source: The Landscaped View

Other considerations

We recommend taking an inventory of the soil and the plants and soil where you’d like to mulch. Consider how the drainage is and what type of covering might enhance the growth of the plants. Also, think about whether these plants grow well in acidy soil. Fortunately, most available mulch is pretty neutral and can be applied just about anywhere. If you already have a cover of mulch, rake it to break it up. Avoid mulch that smells sour. Also, be aware that some products can be dangerous to pets. Read the warnings carefully or ask the salesperson if the mulch is animal-friendly. Creating a compost bin will let you make your own mulch. Add wood chips, leaves, bark and wood to the area you’ve set aside. Let it sit for a month, then turn it over. Give it a little more time. Repeat the mixing process and shovel as much as you need into a wheelbarrow. Presto! DIY mulch.

Categories
Automotive

How to finance a car loan when you’re self-employed

Purchasing a new car isn’t something everyone manages outright. Throw self-employment into the mix, and the challenge can be harder.

Variable income and unpredictability often make securing finance feel out of reach. But that’s not the case. If you’re self-employed or an owner of a micro-business, there are options to secure a car loan that doesn’t break your bank.

Now with times more uncertain than before, it pays to invest and choose wisely. Here’s how you can increase your chances of successful car financing. 

Interior of a red ferrari with white leather seats and black steering wheel.
Source: Creative Car Care

Prioritise loan type

One of the most common financing mistakes is falling in love with the car before the loan.

You wouldn’t buy a house without sorting the paperwork, and your vehicle buying strategy should follow the same rule.

If you want to save money, seek pre-approval first and understand how different types of car loans work. This helps you budget, compare and approach the right lender for your needs and is the smartest way to determine what you can afford. Apply this strategy whether you’re shopping new, used or private.

Make sure you:

●  Review interest rates, fees, charges and repayment frequency to work costs into your budget

●  Prioritise your credit score to confirm your current financial position

●  Shop for car financing before you visit car dealerships

Tip:  Be careful not to apply for too many loans in a short period of time as this impacts your credit report and may decrease chances of approval. 

Research, compare and negotiate

Will you be leasing or buying your car?

The type of loan you choose depends on your business needs. Consider the purpose of your car, budget and whether you need to keep its ownership. Research and compare at least three loans from various lenders before you decide.

If buying outright isn’t for you, leasing enables you to get a new car with low monthly repayments. But it still pays to do your research first to compare and strengthen negotiating power.

Pre-approval of car finance also improves your negotiating influence.

Consider potential tax benefits

Buying a vehicle for business is a great tax advantage.

You may claim your car against business tax with a registered ABN. Generally, leasing means you won’t pay GST.

If you’re GST registered, the tax is charged on the purchase price which you can claim back when you lodge your statements. Depending on the type of car you’re after, see if you’re eligible for the Australian Government’s instant asset write-off. This only applies to new and second-hand cars under $20,000.

Minimise lender risk

There are a few ways to minimise the lender’s risk, which could improve your chances of approval.

  1. Have a substantial deposit
  2. Get your credit score up to scratch
  3. Keep balance sheet to prove business growth, profit and equity 

Weigh up features and restrictions

Every contract will have its own set of benefits and loan restrictions.

Before you sign, review the fine print. Sometimes, there are features to fuel savings like additional warranties and Guaranteed Auto Protection (GAP) insurance. Optional extras such as maintenance plans, GPS navigation and car alarm installation may sound good, but verify they’re meeting your needs and not adding to the total costs unnecessarily.

If there’s a chance you’ll pay your loan out early, look for flexible payment options and smaller payout fees like a chattel mortgage. These are favourable for self-employed individuals or tradies.

Buyer Beware: Not all features are what they seem. For example; some extended warranties are only valid if you return to the same dealership for servicing, which could end up costing you more. Remember it’s a car salesman’s job to upsell features, so it’s important to know what you’re really getting and if it’s worth your money.

Partner with a financial advisor

Partnering with an accountant or financial advisor is a wise move to determine all options and tax benefits.

Whilst it’s always vital to do your own research, a financial advisor provides knowledgeable guidance, so you find the best loan, lender and deal for your industry. These professionals have access to a network of financiers to save you the hassle of negotiating with each. Such savings in time and energy are valuable when you’re self-employed or a small business owner.

Flexibility, simplicity and clarity are the essential ingredients for anyone who is self-employed and looking to apply for car finance. The right loan will assist in the growth of your business, by ensuring access to the transportation you need.

Categories
Gates & fencing

Pool fence regulations in Australia

Having a backyard pool is a great way to enjoy the warm weather. All pool owners should be sure that their pool is fenced correctly to ensure the safety of everyone who uses it. Local, state and federal governments have been cracking down on pool safety regulation enforcement. The top way to aid in preventing pool-related injuries is to fence off your pool. This guide discusses some of the guidelines for the fences.

General pool regulations

Some general rules for pool fencing that apply to every state throughout Australia are as follows:

  • The fence should be made of a durable material to prevent children from being able to manipulate the fence to gain entrance.
  • The fencing should be well maintained and shouldn’t contain any gaps, damage or holes.
  • The height of the fence should be at least 1.2m in height, when measured from the outside Boundary fences that are part of the pool setup should be at least 1.8m in height.
  • The bottom gap in the fence should be 10cm or less from the ground.
  • The panels shouldn’t have more than a 10-cm gap in between each one of them. This will prevent children from squeezing past the gate. 
  • Pool gates should always open outwards away from the pool area and have to be wholly self-latching and self-closing.
  • Mount the gate’s latch inside the gate, so that a person must reach over if they want to open the gate. Latches on the outside must be at least 1.5m from the ground.
  • The pool should not have any objects like trees, furniture, plants, or pool pumps, that can be climbed on to access the pool. These items must be situated at least 90cm from the pool fence, so children cannot use them to climb over the fence.
  • The walls that comprise the pool fencing must not be able to be accessed from inside the home, unless, in some cases, you do have self-latching doors and child-resistant windows.
  • An inside pool must be fitted with a self-latching, self-closing door that opens to the outside of the pool.

State by state regulations for the pool

Generalised rules are enforced throughout Australia, but each state has its own regulations and restrictions. The occupants in the home can endure heavy penalties for not following these rules.

A pool using both fencing and the house walls as a barrier / Source: Serenity Pool Co

Queensland pool safety standards

A new pool safety register was introduced in the state a few years ago. This register lists every pool in the state and has copies of every certificate awarded for pool safety compliance, and lists all of the people licensed to carry out pool inspections. If you a pool, you should be registered. If you’re not, you could be liable to pay a fine of $2,000.

From December 1st 2010, any rented or lived in house in Queensland needs to have a certificate for pool safety.

Key safety standards

These standards apply to all pools, both inside or outside, that are more than 30cm deep when full. Before any pool is filled with water, the fencing needs to be approved. If any part of the property is inside the perimeter of the pool fencing, i.e. if you can access the pool directly from the house, you will need to install fencing stopping this. For indoor pools, child safety doors need to be added to access it.

New pools

If a new pool is currently under construction, it will need approval before development starts. Whilst the pool is under construction, temporary fencing is allowed for up to three months. After this period has elapsed, however, permanent fencing needs to be put in place.

Contact local swimming pool experts

WA pool safety standards

The specific pool fencing regulations are slightly different depending on when your pool was built. If your pool was constructed after 5 November 2001, you need to make sure that pool fencing properly restricts access to the pool. Some fencing will have fencing all around the perimeter with a gate leading into it. However, it can still use one of the house walls as one side of the fencing. If the wall has any windows, they have to be correctly locked so that children can’t access the pools.

If your pool was built before 4 November 2001, it needs to have a fence around it that is well maintained. If the yard has a boundary fence, that can act as part of the fence. The gate to the pool must close and latch on its own, and it should open outwards and away from the pool. There also has to be a fence constructed to separate the pool from the house, and if any doors or windows open to the pool, they have to follow the Australian Standards as well.

Pools built after 5 November 2001 must not include a door as part of the barrier unless the door is permanently fixed using a device other than a key locking mechanism. Pools built after 1st May 2016 must not use a door as a part of the barrier at all.

If your pool was approved for construction before 30 June 1992, the WA Government suggests that you have your fencing updated.

VIC pool safety standards

In 2010, updates were made to the Building Code of Australia in regards to pool fencing installation. In general, any new swimming pool in the area must have a four-sided fence. In other words, you must fence in your pool, including any spas you have. Any water-based area with more than 300mm when filled must be fenced.

As of December 2019, you need to complete the following steps to have a private pool in Victoria:

  1. Register your pool with your local council
  2. Organise a registered inspector to inspect your pool barrier 
  3. Rectify any identified issues
  4. Submit to council a certificate of compliance
Pool fencing can have small gaps as long as they are not larger than regulation size / Source: Cabarita Pools

NSW pool safety standards

All pools built after July 2010 must be surrounded by a fence that completely separates the pool from the house. For pools built before July 2010, this regulation also applies but some exemptions could be made for very small properties, very large properties or waterfront properties.

If you have a door that is part of a pool barrier you must ensure that it closes with manual force, self latches and does not open toward the pool.

If an old fence or barrier is rebuilt then the most current restrictions apply. Therefore, any previous exemptions placed on the pool when it was built will cease.

Maintaining your pool fencing

Once in place, you need to maintain it. This is a requirement that you, as the owner, must meet. This means you cannot have gaps or areas that are damaged that could allow a child to get through. Additionally, all gates and gate latches must operate appropriately at all times. They should have a self-closing and self-latching design on them, and the gates must open outwards. Additionally, you cannot access your pool directly from the house. If you fail to maintain these requirements, there are very hefty fees involved. In some cases, the penalties can be as much as $5,000 or more.

Other safety measures

While pool fencing is a must, if you want to ensure the safety of your children, there are other additional measures that you can utilize as well. Swimming pool covers, as well as pool alarms, may prove to be essential for the complete safety and protection of your family. Homeowners with a swimming pool should also invest in pool safety equipment. And once the time to enjoy the pool comes, don’t leave the kids without adult supervision.

While swimming pools definitely are a lot of fun, you have to be aware of the risks they pose for small kids as well. Drowning accidents can be prevented if you make sure that your pool protection is up to code. Stay safe and enjoy your family pool time to the fullest.

Categories
Cleaning

DIY: Stain removal guide

A house is just a shell until you decorate it with furniture. As such, you want to keep these expensive purchases looking as good as new. But spills can happen every day. Before cleaning, soak up any excess from the spill and remember, blotting does not mean rubbing. After that, here are some tips to remove different types of stains.

Fabric and upholstery

Grease stains: Use just a little rubbing alcohol or dry-cleaning fluid. Keep blotting lightly until the stain stops coming up on the towel. Then use a mix of dishwashing liquid and water, starting from the outer rim of the stain and moving to the centre.

Makeup and ink stains: Using a little rubbing alcohol or dry cleaning fluid, immediately blot the stain until it is dry. If it hasn’t disappeared, use a mix of vinegar and warm water, and then blot it dry quickly.

Other stains: For miscellaneous stains, try soaking with water for about a minute before blotting the spot dry with a towel. Keep doing this until the stain doesn’t keep coming up on the towel, and then use a mix of dishwashing liquid and warm water until the stain disappears. Lastly, rinse with club soda or tonic water, and dry.

Wood furniture

Water marks: Rub toothpaste in a circular motion on the water mark with a damp cloth. Then, use a clean, damp cloth to remove the toothpaste. Finish up by polishing the wood, or if you’re concerned, you can try using extra-fine steel wool to remove the mark, and then polish or wax it.

Heat marks: Use extra-fine steel wool to rub the stain out of the wood, and then polish or wax it.

Beverage stains: From soda to milk to alcohol, pour a little ammonia on the spill, and then use paste wax on your finger to rub the area. Then, wipe the wood clean and polish it.

Stains on wooden furniture can be removed with toothpaste and a damp cloth / Source: Ask S and R Services

Leather furniture

Grease stains: For a grease stain, wipe up as much as you can with a dry cloth, and let it sit for a few hours to see if it disappears on its own. If not, use leather cleaner.

Ink stains: Rub the stain with a cotton ball dipped in rubbing alcohol until it disappears, and then use a blow dryer to dry the spot. If the stain remains, use acetone-free nail polish remover, and remove the residue with leather cleaner.

Dark stains: For spills of dark liquid, rub a mix of lemon juice and tartar cream on the spot, and let it sit for about 10 minutes. Then rub on some more of the mix, and finally remove it with a damp sponge.

Suede: For dry stains on suede, use a clean eraser. For wet stains, sop up the excess liquid with a paper towel. For oily stains, use a commercial suede cleaner.

Carpet

To reduce the damage, wet a rag with hot water and use it to dab the affected area immediately. Just remember, the sooner you treat the spillage, the better chance you have of its removal.

Wine stains: Wine can leave an obvious mark on your living room floor, but if you spill red wine on your carpet, don’t fret. Simply place a paper towel over the stain to absorb most of the moisture and sprinkle some baking soda over the stain. As the bicarbonate soda reacts with the chemical balance of the red wine, the colour will change from red to a light grey. Dab the area with a sponge dipped in white vinegar to change the pH of the wine again. Each time you change the pH of the stain, the stubborn spillage will be wrung loose from the affected carpet.

Coffee and tea stains: Try pouring a little beer on top of the affected area. Rub the beer into the spillage and watch the stain disappear. If you are out of beer, opt for a stronger solution by combining equal parts of white vinegar and water to blot out the stain.

Oil and grease stains: Pour baby powder over the area, cover it with a paper towel and gently iron it. The heat will force the powder to absorb the oil. Alternatively, negate the oil spill by rubbing detergent directly into the stain and washing it out with hot water.

Avoid using strong chemicals without a cleaning professional as it can damage the colour and condition of your carpet.

Contact local cleaning experts

Barbeque care

The barbeque is an essential ingredient to any outdoor party, but it can be a challenge to keep your barbecue clean, hygienic and ready for your next use. Apply these simple steps so you won’t get stuck scrubbing the grill in the final minutes before your guests arrive.

As good practice, ensure your barbeque is cleaned after each time it is used. Before cooking, take some time to line the drip tray with two layers of aluminium foil to avoid cleaning out the grease and oil after your sausages and steak are consumed.

After cooking on the barbeque, use some of the leftover onion – an affordable and safe cleaning tool, to scrub the hot plate and the grill. The onion can loosen the grime on your grill, but it is best to allow the flames to burn on high for an extra 5 minutes after cooking to burn any residue meat. The barbeque is best cleaned when it is still warm as the oils, fats and grime haven’t had time to set. A quick clean just after you’ve cooked the last lamb chop can save you effort and prevent scratches on the surface of your grill.

After each use, wipe down the oven hood of your barbeque with bicarb soda and vinegar while it is still warm. After cleaning, spray the hotplate and grill with some cooking oil to prevent rust.

Categories
Wellbeing

Benefits of a home sauna

If you’re looking for ways to make your home environment warmer and inviting, how about installing a sauna? It may seem like a splurge, but you’ll find that the relaxation and enjoyment you get from your own home sauna is well worth the expense involved. If you’re tempted to start sauna shopping, here are a few things to keep in mind. 

The benefits of a sauna

Few things are more relaxing than a sauna. It can help you to steam off stress and tension so that you’ll emerge feeling lighter, healthier and ready to deal with life again. Saunas also improve circulation and skin tone and are an important tool in detoxing your body. They’re also a great sleep aid, as they relax the mind and body in preparation for a good nights rest.

In addition to these health benefits, saunas will go a long way toward keeping you warm during the cold weather months. There’s a reason why saunas are so popular in areas with long, harsh winters, such as Scandinavia. Saunas warm you up from head to toe, with deep, penetrating heat that seems to radiate all the way down into your bones.

Types of saunas

There are four main types of saunas available for purchase.

  • Dry saunas work through heating up the air (although there is no steam produced).
  • Steam saunas work thanks to water dropped onto superheated volcanic rocks, producing steam.
  • Herbal saunas work the same way as steam saunas, just with the addition of essential oils added to aid in the therapeutic process.
  • Infrared saunas heat the body instead of the air through the use of a special infrared device. Infrared saunas are also clearly the more energy-efficient types of sauna; they’ll also allow for much more time to be spent in them.

How infrared sauna technology works

An infrared sauna uses special heaters that warm only objects in its direct path. These special heaters emit infrared heat, which gently goes into the skin and raises the body temperature, causing profuse sweating. Infrared technology uses the same energy as natural sunlight, but with none of the bad ultraviolet waves.

The air inside a home sauna does not get steamy like those experienced at the gym. Instead, the air temperature retains its comfortable zone.

A sauna with two panels of infrared lights to generate heat
An infrared sauna / Source: Shutterstock

Permanent vs. portable

Infrared heaters can be either permanently installed or portable. Permanent heaters can be installed in a room of your home or in a specially built sauna outside. They need to be installed by an electrician who can handle the wiring. 

Portable infrared heaters can be relocated with you if you move. Portable heaters are also easier to install since they just need to be plugged into a standard outlet. They can range from incredibly simple with just a special heated bag that you sit in and zip up around you to small rooms that are still large enough to comfortably fit you and several friends.

Electric sauna heaters

Electric saunas have different types of heaters. The simplest saunas are the plug and play kind that simply plugs into a power point. Many saunas, however, require the services of a certified electrician. This is especially true of wet saunas, which have more intricate, complex engineering. Since a wet sauna is constantly exposed to moisture, the electric elements have to be housed in such a way that protects them from coming into contact with water. The risk of electrical shock is yet another reason why it’s crucial to hire a licensed electrician to instal a wet sauna rather than attempting to do it yourself.

Contact local electricians

Planning the sauna installation

Finding the right location for a sauna is the first step. Extremely versatile, saunas can go indoors or out, can be covered by a structure or free-standing and can even go inside an already available room in your house. Besides the location, you should consider the heat source. There are many choices, including electrical heater, wood-burning stoves, infrared heaters or gas heaters. Each one has its advantages, but the usability will ultimately determine the right one for you.

Consider also how many people will use the sauna in order to pick the right size. Is it just for home use? A smaller, two or three-person tub is perfect. Larger-capacity saunas suit individuals serving guests.

Home saunas are customisable to suit your available space / Source: Shutterstock

Sauna cost

In most cases, a sauna will cost several thousands of dollars. The cost will depend on the size since some larger models can cost up to $10,000 or so. Realise, however, that these will be yours to take with you should you decide to move, and most will last for many years. The benefits they offer for your health and mental state are often worth the cost.

Once you have it in place, you still have to maintain it. That can cost you some money over time. The cost of maintaining it is generally very inexpensive, but you’ll also need it serviced each year to keep it in good working order. Only you can determine if these costs are worthwhile.