Author: Alex

Categories
Bathroom & laundry

Designing the ideal laundry

Do you remember the good ‘ol days when you did laundry in the basement or in a tiny room in the back of the house? Those days are over. Now homes have fully equipped laundry rooms with plenty of amenities, storage, and convenience. If you want to renovate a room in your home into a laundry room, read on for our comprehensive guide below.

Ergonomics for the laundry

While ergonomic principles can be helpful in any room, they are especially handy in the laundry. Think about how much time you spend in the laundry sorting clothes, loading and unloading machines, and folding and ironing clothes. Here are some tips to help you make your laundry more ergonomic.

First, arrange the laundry around the most commonly used items, which are the dryer and washing machine. By placing them close together, you can limit how far you have to carry heavy wet clothes from the washer to the dryer. When deciding on their placement, choose a spot where you won’t have to bend over to use them. 

When designing your laundry, don’t forget to include a surface space, such as a benchtop. It should be installed at a comfortable height, so you will have a spot to sort and fold laundry without straining at an uncomfortable level. Consider installing your ironing board so it folds down. Having it in the laundry will eliminate the need to lug the ironing board around and find a spot to open it every time you need to quickly iron something.

Make sure to include bench-top space where possible / Source: Fast Flow Plumbing & Gas

Organisation

Using hampers properly

One of the first things you can do is use hampers. Most of the time, you may only have one hamper for dirty clothes. However, if this is the case, you likely have dirty clothes that need to be sorted before you can even begin with the washing. It may be better to purchase several hampers and spread them out if you have the room. 

Ironing and folding room organisation

Another common problem is having enough space to handle all of the ironing and folding you need to do. If you do this spread out over a couch because you do not have room to do it in the laundry room, it may be time to make a change. Dedicate a specific location in the room for ironing and folding. 

Using shelving

In most areas, you need shelving because of all of the chemicals and supplies you need to have on hand. You may be able to invest in a small cabinet to store these items. If not, install some overhead shelving so you can keep these items safely put away and out of the reach of children.

Managing the garbage

Finally, to completely ensure that the laundry area is properly maintained, install a waste bin. That way, you can throw away all of your cleaning supplies or lint from the clothing right away. You do not want to have to move this rubbish around your home instead.

Choosing appliances

Washing machine

  • Capacity: Choose the capacity and size of a washing machine depending on the amount of washing you do. A smaller machine costs less, but if you end up doing two loads per day, you are wasting electricity, water and your time. For bigger and more frequent washing loads, front-loading washing machines take up less water and are more gentle on your clothes.
  • Features: Today’s washing machines come with all kinds of frills, but only pay for what you really need. You can set the desired water temperature and wash cycles using electronic controls. Sensors automatically set the machine’s wash cycle depending on how dirty and big the wash load is. Delayed start mechanism, automatic load balancing, and containers for bleach and fabric softener are other good-to-have features.
  • Energy Efficiency: Look for the Energy Star rating on the machine to determine how eco-friendly it is. Washing machines with fast spin cycles reduce the drying time, and are more energy-efficient.

Contact local plumbers

Dryer

Dryers of six-kilogramme capacity are the most popular. To choose the right model for you, consider the features available. Electronic controls give you more flexibility in settings with the push of a button. Sensor systems can shut down the dryer as soon as the clothes are sufficiently dry. Condensers prevent the dryer from expelling moisture into your room, and is required in poorly-ventilated apartment homes. 

Iron

  • Steam and spray: Tough wrinkles are easily taken care of by a spray of steam. Check that the capacity of the water receptacle is sufficient for you. If you use tap water, invest in an anti-calc iron that does not allow mineral deposits to clog the steam holes.
  • Non-stick sole: A non-stick coating over an iron’s stainless steel or aluminium sole facilitates ironing, but it needs good care.
  • Cordless irons: Cordless irons offer convenience, but these are ideal only for a few clothes at a time. Higher wattage irons can retain the heat at a constant level.
  • Automatic shut-off: This safety feature is great if you are forgetful, or you multi-task with chores.
Maximise the space you have with clever storage options and appliances / Source: Alice Bonicelli Interior Design

Eco-friendly tips

Non-chemical washing powders

Natural washing powders are easy on the environment. These are made from non-toxic plant matter and minerals, and are free from chlorine bleach, phosphates, petrochemicals and other harmful substances. Even when cleaning your home, use non-chemical cleaning products. Microfibre rags and mops can be used to effectively clean your tiles, floors and countertops, even without the help of detergents.

Using a rainwater tank

Connect the incoming plumbing line of your washing machine, dishwasher and toilets to your rainwater tank. Besides saving on water fit for human consumption, you will also get grants from the government for such eco-friendly initiatives. Water given out by the washing machine cannot be used for drinking or cooking, but it is safe for watering your plants. 

Ideal laundry location

If you are building a new home, you can plan the location of your laundry such that it helps improve the insulation of the rest of your home, which in turn lowers the electricity bills. Since the laundry doesn’t require a controlled temperature, place it along the side of the home facing west or south, if you live in a hot or cold climate respectively.

FAQ

How can you mount a dryer on the wall? 

To mount a dryer on the wall, you’ll need a strong bracket to hold the weight of the dryer. Attach the bracket to a wall stud using screws, and then hook the dryer onto the bracket. Secure the dryer using additional screws or clamps. Follow all manufacturer instructions and safety guidelines before proceeding, and consult a professional if needed.

Categories
Design & technology

The do’s and don’ts of managing your online reputation

Having a positive reputation online can often mean the difference between winning the job, or losing the customer. Think about your own browsing habits when deciding on buying a product or requesting a service. How often is your decision swayed by the number of stars on an item listing? Do you look at how the product performs in the real world, beyond the advertised? 88 per cent of customers say that they determine the quality of a local business based on their reviews.

Here are the best practices of online reputation management and exactly how you can make your review forums work in your favour. 

The wider your coverage, the stronger your credibility

Firstly, ensure you’re set up on a number of trustworthy review platforms and forums such as:

A good starting point is to check out where your competitors are, chances are you should probably be there too.

Eliminate the barriers

Make it as easy as possible for customers to review your work online. One of the simplest ways to do this is to send clients a direct link to your business’ review page/s via email, SMS or even at the top of your invoice. The review process should be quick and streamlined, not long and tedious. Top-performing Oneflare businesses also suggest a follow-up call to ensure the client was happy with your work might be a good option and, if they are indeed pleased with your performance, it’s the perfect time to ask for a recommendation.

Determine the right timing of the invitation

Ideally, you should engage with your customer and ask them to leave you a review when they’re at their happiest. For example, if you’re a wedding photographer, it might be helpful to ask for a review when you deliver the photos of the big day. Nothing wrong with taking advantage of peak customer satisfaction! If, however, you’re a builder and you’ve been delayed on finishing a project, you may be better off holding off asking until the service is complete.

Make it as easy as possible for customers to leave reviews / Source: Shutterstock

Incentivise

While you are not legally allowed to buy or pay for a review, you can gamify the process by:

  • Placing any one who leaves an honest review (good or bad) in the draw to win something; or
  • Organising a ‘surprise and delight’ for one lucky customer who has left an honest review. 

Find opportunities

If someone sends you a review via email, text message or over the phone, feel free to either send them the direct link to your preferred review platform or ask them if they’d be happy for you to copy and paste/type out the review on their behalf. Alternatively, you can post it as anonymous. 

Include the good, the bad and the brutally honest

A page full of glowing reviews is usually a red flag for prospective customers (fake alert!). Each comment is a useful insight into how your business is performing, so always listen and aim to do better! It is, after all, a valuable learning experience. The aim is to collect as many positive reviews as you can and turn each negative experience into a positive one.

Never reply to a negative review when you’re frustrated

Just like the old adage of never going to bed angry, resist the urge to bite back when you’re upset. Take a breath and take the time to process the comment before responding, you might find you’ll learn some valuable feedback. If you’re certain you’re not in the wrong, make sure to describe what you did to resolve the situation before the review was posted publicly. 

Contact local web design experts

Resist the urge to say, ‘I’m sorry you had a bad experience’

Instead, kill ‘em with kindness. Empathise and get on the front foot by showing prospective customers that you are a professional business willing to fix genuine mistakes and rectify the situation if required. Promptly offering an appropriate solution to their problem will likely eventuate in a return customer.

Avoid using emotion or sarcasm

Sarcasm and tone don’t necessarily translate well online. As an attentive service provider, you’ll need to give the customer the benefit of the doubt, while remaining rational, cool and factual at all times. 

Act fast

A negative review is a ticking time bomb, so ensure you address the complaint respectfully and appropriately in a timely manner. Leaving the review unanswered can turn away potential clients so make sure to prioritise a response. Interested in learning more? Our Oneflare HQ industry leaders in sales, marketing and SEO can tell you all about new technology and how to build trust with potential customers online. Check out the video here.

Categories
Gardening & landscaping

Lawnmowers: Which type is best for you?

Maintaining a lawn involves a lot of work, and one of the most important tools that will help you in keeping your lawn neat and trim is a lawnmower. Buying a lawnmower is a decision that should be made with a lot of thought given to the types of lawn mowers available, the area occupied by your lawn and your budget. 

Different types of lawnmowers

Manual mower:

Manual mowers are not powered and depend on human effort to carry them ahead. Although they do require a sufficient amount of energy, recent improvements in design have rendered manual lawn mowers easier to operate. They are best suited for small, flat areas that need to be mowed. Some of the pros of buying a manual lawn mower are that they are environmentally friendly and inexpensive.

Electric lawn mowers

Electric lawnmowers are powered by electricity, which is supplied through a power cord. They’re relatively lightweight and small, so they’re ideal for those who don’t fancy the idea of pushing a heavy, monster-sized mower. Electric lawnmowers are also better for the environment, as they don’t produce emissions or fumes, so there’s no pollution. In addition, they’re quieter than petrol-powered motors, so you’re cutting down on noise pollution as well. They are incredibly convenient; all you have to do is make sure that there’s a power outlet nearby and then plug the power cord in. You don’t have to keep petrol on hand, and there is no danger of running out of fuel.

On the downside, there is the inconvenience of having to use a power cord. You need to keep it out of the way while you are moving; otherwise, you could cut right through it with the mower blades. Using a cord may also limit how far you can push your mower. If you have several power outlets located outside, this sound not be a problem, but you will probably have to change outlets a few times if you’re mowing the entire lawn. In addition, electric mowers operate more slowly than petrol ones, as they have a smaller cutting diameter. You are also a bit more limited in setting cutting heights.

Most sit-in lawnmowers are petrol lawnmowers / Source: Preferred Property Care

Cordless mower

Cordless electric lawn mowers are the best option if you do not want the hassle of having to attach a long extension cord every time you need to mow your lawn. Powered by batteries, cordless electric lawn mowers are increasing in popularity, as modern technology allows for batteries to produce power that is sufficient to effectively mow a medium-sized lawn. However, this battery generated power is still not adequate enough to effectively mow long grass.

Petrol lawnmowers

Petrol lawnmowers are fueled by the exact same type of petrol that you get at the service station. They are ideal for larger lawns because you don’t have to worry about accessibility to a power outlet. They use a wide cutting diameter, so you will be able to cut the grass faster. They also handle thick, dense areas of grass remarkably well.

On the downside, you will need to have enough petrol on hand to run the mower, and you’ll also need a place to store the extra petrol. In addition, petrol mowers do produce petrol fumes and emissions, so they’re not an environmentally-friendly choice. Added to that, they’re pretty noisy, and they also tend to be significantly heavier to push than electric mowers. As for maintenance, if you’re using a two-stroke mower, you will need to pour some oil into the petrol before you start; otherwise, four-stroke mowers do just fine without the oil.

Tips for mowing the lawn 

The right technique of mowing the lawn is essential to ensure its proper upkeep. An experienced gardener be able to provide expert guidance on how to properly maintain your lawn. However, below we have provided you with some starting tips to make your lawn look beautiful

Contact local gardeners

Check the height

The recommended height of your grass depends on the breed. If you are unsure, try using the internet to research the optimal length of your grass. Cutting the grass too short can result in opportunities for weeds to grow. Leaving the grass too long can result in damage to your lawnmower blades when you do decide to cut your grass. Furthermore, getting the correct grass length for your grass breed makes your lawn look aesthetically appealing. A basic formula is cutting back one-third the length of the grass blade when mowing.

 Add finishing touches

The finishing touches, after mowing, will result in your lawn looking tidier and healthier. Edging and trimming are an essential finishing touch. Edgers help to neatly trim the edge of your lawn, making it look neater when lined up against the pathway or driveway. Trimmers, meanwhile, are more versatile and can be used anywhere to shorten the grass.

Understand basic mowing techniques

The grass will be healthier if the same patch of lawn is not mowed over again repeatedly. Even throughout the same mowing session and every time you mow, try to mow in a different direction. This will help prevent the grass from becoming coarse and dry

Practice safety

Before starting a mowing session check to see if there are any hazards on the lawn. Walk over the lawn and check for objects such as toys that may have been left on your lawn. These objects will get caught in your mower. Wearing protective gear, particularly on your hands and over your eyes will also keep you safe. Always wear close-toed shoes when mowing. If you are susceptible to pollen allergies, take suitable precautions.

Your grass will look healthier when it is mown using these tips / Source: Ken McKay Homes

Help the environment

Instead of using a gas mower, try using an electric or a push mower. In doing this you can cut down your environmental footprint and you will also make less noise. We recommend that the mown grass clippings should be left where they are clipped as they are a form of natural fertiliser and improve the health of your grass.

Mow dry grass

It is best to mow lawns when the grass is dry. Mowing wet grass can increase the chances of your lawn catching diseases. Mowing on wet grass also increases the risk of accidents occurring. Fortunately, it is easier to mow dry grass as the blades do not slip off of the grass. Mowing dry grass will make the cut smoother and cleaner.

Categories
Walls & flooring

How to install underfloor insulation

What is underfloor insulation?

Underfloor insulation is an extra layer added underneath floorboards to prevent hot or cold air from escaping the home. Insulation can come in various different materials, such as polystyrene board, batt insulation and reflective foil.

Benefits of underfloor insulation

Floor insulation has many benefits. The main reasons why homeowners choose to install insulation in floors include:

Soundproofing

Your flooring can allow sounds and reverberations to filter through. With an insulating barrier between floorboards and the outside, the acoustics of vibration and sound waves is limited, resulting in a quieter environment.

Energy-efficient

By insulating your floors and ceilings, energy savings of up to 45% is possible. Whether you have hardwood floors with joists or a concrete slab, your floors are responsible for a considerable amount of heat loss. 

Saves you money in the long run

Underfloor insulation will keep your home warmer in the winter and cool in the summer. The need to use heating and air conditioning will be significantly reduced, which will save you money when it comes to your energy bills. Even though underfloor insulation costs money to install, it should pay off in the long run when you spend less on heating and cooling. 

Easy to install 

There is not a lot of complicated installation requirements that comes with under house insulation. Fitting insulation between floor joints can be a simple procedure. Different types of insulation include:

  • Fibreglass/wool batts
  • Rock wool batts
  • Polyurethane foam
  • Polystyrene panels
The insulation must be fit securely in-between the joists / Source: Shutterstock

When can a home’s floors be insulated?

A home’s floors can be insulated any time, provided there is enough crawl space to access under the home. However, it is much easier to have this work done during a home’s initial construction.

Retrofitting

Retrofitting is the process of installing insulation to an already existing home. If your home has joist and stump floors, insulation is made to fit within the wooden slats. However, if your home sits on a slab, an experienced contractor in insulation installation is recommended. An expert will be required to assess whether there is enough space to go in and install the insulation. 

During initial construction

Fitting underfloor insulation is easiest when the home is being constructed. Rigid foam insulation can be glued or fitted between wood sleepers and can also be done on top of finished concrete. Some homeowners incorporate radiant heating coils. A general contractor often has the means to place the installation while installing the floors.

Contact local insulation experts

How to install underfloor insulation

Install the strapping

Strapping consists of wire fasteners that are secured on floor joists. If using on concrete, plastic strapping is recommended. Wiring wrapped around a nail on both rafters is often used in securing. 

Open insulation packets and let it expand

Before fitting insulation pieces between joists, allow them to air out and expand. This will prevent your strapping from being too snug.

Put the insulation in place

Insulation is designed to fit securely between joists to cover any holes or cracks on the surface. Make sure the entire length of the insulation is firmly in place.

What homes would benefit from underfloor insulation?

Homes in colder climates that are prone to heat loss will dramatically benefit from underfloor insulation. Additionally, homes that have a large number of tiled areas will also benefit. Placing insulation under bathroom floor areas can cut your heat loss by up to 40%. Homeowners often take steps to add insulation to ceilings, walls and roof joists, but neglect to realize the heat loss from a floor. 

If you are in the process of building your own home in Canberra or elsewhere, underfloor insulation is an important thing to consider. It will be much easier to install before your home is completed. If you are looking to buy a brand new home, make sure this detail has been addressed. You can also use this feature as a bargaining tool in your offer to buy a house. 

Protective equipment must be worn when handling insulation / Source: Shutterstock

How to hire an insulation expert

Regardless of an existing house or one that is under construction, hiring an insulation expert is always a good idea. You want your home to be as comfortable as possible. Insulation experts have the education and experience to complete the job correctly. While it is not always required to use an insulation expert, knowing that the work has been done accurately and is guaranteed will give you peace of mind.

Licensing per location

Each state has a required license for building classification. Ensure the professional you hire has the correct licensing to complete the job before you agree to work with them. Other factors to check are:

  • Number of years of experience
  • References and reviews
  • Break down of costs

Not every contractor will have experience in insulation installation. Make sure that your candidate has the background knowledge to do a proper job. An energy assessment can also explain how and why installing insulation under your floor can save money and make you more comfortable. A qualified insulation expert will also be familiar with the building codes in your area and can help to keep you up to code.

Categories
Design & technology

Top 5 website design mistakes

The internet provides unlimited access to knowledge which means that just about anyone can teach themselves how to do web design. Unfortunately, this can have a negative impact on the effectiveness of the DIY website they create as a result. Here are several common web design mistakes small businesses make that must not be overlooked.

1. Cramming too much on the homepage

While you may be in a rush to present your audience with all you stand for and show them everything you have to offer, trying to cram too much on the homepage usually isn’t a great idea. There are two major reasons behind this. First, it will make your navigation counter-intuitive, seeing as your audience won’t know where to click. This results in bad user experience. 

Secondly, every single element you include requires an additional HTTP request. This can slow down your website significantly. Due to the fact that your audience expects a website to load within the first 2 seconds (on average), this might become a significant problem. If your website fails to load within the first 4 seconds, as much as 25 percent of your audience may move on. It’s also a negative signal for search engines.

2. Failing to introduce yourself

One of the greatest mistakes you can possibly make in your web design is assuming that the visitor will know what you are all about the moment they click on the link. Sure, some of your audience members are more intuitive than others, while a great deal of them knew who you were even before they clicked the link, however, this should not be your initial assumption. Your design and your content must first be oriented towards the introduction.

Web designers can optimise your website for all types of devices / Source: Webilicious Web Design

3. Rushing with your CTA button

Every website out there has an agenda. You may want your visitors to buy a product, leave an email, subscribe to your newsletter or simply encourage them to learn more about the topic at hand. Unfortunately, pushing them to make this decision before they are ready to do so may backfire. In order to avoid this, make sure to introduce yourself and show them what you have to offer, before presenting them with your call-to-action (CTA) button.

4. Failing the consistency test

These days, more people are browsing the internet through their smartphones than through their desktop setups. On the other hand, more people use PCs than tablets, which puts you in a complicated situation design-wise. Sure, appealing to one audience may seem a preferable choice but you simply cannot allow yourself to ignore all the rest. Your website needs to show consistency in both visuals and functionality across all devices and failure to do so will impact negatively on user experience.

Contact local web designers

5. Ignoring white space

Earlier on, we talked about cramming too much content from the perspective of the website loading time. In addition to this, ignoring the white space and inserting too many interactive elements into your design reduces the readability of your content. Separating paragraphs within your content and leaving enough space between different elements of your webpage is something that will make it more visually appealing. In this way, you are increasing the chance that people (especially those on mobile devices) will actually skim through or read your content. In a world where 8 out of 10 people don’t read past the headline, this is very important.

By acknowledging these important failures of web design, you are ensuring that your website will make a great first impression on your audience. In this way, you are also increasing its reach and its average conversion rate. Finally, while the above-listed principles are quite intuitive, a lot of DIY designers tend to ignore them. Nonetheless, keeping them in mind at all times can ensure your web design is always on point.

Categories
Finance

How the tax on dividends is calculated

What is an investment?

An investment is an asset that is purchased with the intention of making a profit in the future. The asset can be stocks, a piece of property, or something such as precious metals or coins. You can wait to receive payment when the asset is sold, or you can gain a profit from it along the way. Some examples of these types of assets include rent from property, dividends from shares, and interest from a bank account. The ATO treats different kinds of assets differently, and you can soon see your profits dwindling when tax time comes around if you are not careful.

What investment income must you declare?

  • Interest: When you open a savings account or other interest-bearing account at a bank, you will receive a certain percentage of additional money from the bank. This is typically a certain percentage based on the amount of the account.
  • Dividends: The shareholder of companies receives dividends. They are taken from profits and usually paid on a semi-annual basis.
  • Rent: Rent is money that someone pays you for living on your property. It is in the form of a regular monthly income.
  • Managed investment funds: A managed investment is an asset, such as a trust, that someone else manages for you. Some of them are set up to pay regular sums of money. Some different types of trusts include cash management, money market, mortgage, unit, or managed fund.
  • Capital gains: Capital gains are realised when you sell an asset, such as when you sell your home or a stock. A capital gain is a profit that you earn from the sale.

Dividends:

Dividends are one of the most misunderstood assets of many people. Let’s start from the beginning.

When a company needs money for something such as an expansion, new equipment, or to increase capacity, they have several different tools to use to obtain what they need. They can go to a lending institution and get it through traditional means, apply for grants, or try to find a private investor.

Another method that they have is to offer shares of their company up to the public. The public can buy shares with the hopes of making a profit in the future when they sell them. In this case, the public acts as the lender. Some stocks pay dividends, which can provide regular income for as long as you hold the stock. Here is a bit more about what a dividend is and how it works.

How do they work?

When a company makes a profit, they can choose to keep some or all of it. They can also choose to make owning shares in their company more enticing by sharing some of the windfalls with their shareholders. These funds are typically distributed to shareholders in July and December.

How are they paid?

The most common form of dividend payment is in the form of cash. This means that for tax purposes, they are taxes as a cash payment. This can have significant tax repercussions. Sometimes, the dividends can be paid through a trust or share club. Also, you can arrange to have the dividends reinvested instead of being sent to you. All of these options have different tax consequences.

Why are dividends so important when declaring investment income?

If you are a shareholder, when the company makes a dividend distribution, it counts as income for the shareholder. It must be reported as such on taxes. It is always wise to keep your dividend statements because you will need them when you file your taxes.

How are dividends taxed between residents and non-residents of Australia?

How dividends work depends on whether you are a resident or non-resident. A non-resident of Australia can own stock in an Australian company. Residents and non-residents are taxed differently and have different tax burdens when it comes to dividends.

If you are a non-resident and became a resident later in the year, you might not have had the proper withholding taken out. In this case, you need to report the dividends on your tax form. If you are a non-resident, you cannot use a tax offset for franked dividends. However, you can use it to offset other Australian income. You will have to pay a withholding tax on unfranked dividends. You do not have to pay tax on unfranked dividends because it is considered conduit foreign income.

If you are an Australian resident, you will pay taxes based on an imputation system. This system dictates how the taxes paid on company profits should be allocated. It determines whether the tax burden belongs to the company, the shareholder, or a portion to each. This system is to make sure that a double tax is not paid on the same profits by two different entities.

A tax accountant can help you to maximise your profits from investments / Source: ASR Partners

What is the difference between franked and unfranked dividends?

When a company makes a profit, they must pay a certain amount of tax on it, typically around 30% for most companies. When an individual shareholder receives income via dividends, they pay a tax on share profit. Without the franking system, double tax jeopardy can occur where both the company and the individual pay taxes on the same profits.

When shares are franked, it means that the company has paid the taxes on the shares held by the individual. If the individual receives franked dividends, they receive a credit for tax on shares that they own. The difference between franked shares and unfranked shares is who is responsible for the tax burden on the profits.

Franked dividend:

To receive a franked dividend, you must purchase franked shares. These are shares that are already marked as having the taxes paid on them. Dividends can be fully franked or partially franked. A fully franked dividend means that the shareholder will receive a full tax credit for the shared. A partially franked dividend means that the tax burden is shared between the company and the shareholder. The franked dividend tax rate depends on which tax bracket you fall into based on your total income. If your tax rate is below the corporate tax rate of 30%, the ATO will refund the difference to you.

Unfranked dividend:

Unfranked dividends are just like regular stocks or investment instruments. You will have to pay the full amount of tax on any dividends or other taxes that you earn from them. They count as income and will increase your overall revenue, which could bump you up into a different tax bracket.

What are franking credits?

Franking credits refer to the offset that you receive when your tax bracket is less than what the company paid for the credits. For instance, if you own 1,000 shares of a company and the company makes $5 per share in profit. They will have to pay 30% on those shares, which is $1.75 per share. This leaves $3.50 that they can keep or distribute to shareholders as dividends. The shareholder would then receive a 30% imputation credit. This means that for 1,000 shares, the shareholder gets $2,500 in taxable income. Of this, $1,170 is dividend income, and $750 is franking credit.

How to hire a tax accountant

As you can see, the topic of dividends can become complicated when it is tax time. Hiring a good tax accountant can help you wade through the regulations and keep the amount to which you are entitled. Here are a few tips for hiring a tax accountant.

How to create an accurate estimate

You can help your tax accountant by taking a few simple steps. These steps will help your professional make sure that you get the proper franking credit for your stocks.

  • Keep your dividend statements and other income records in a safe place.
  • Make your accountant aware of any changes that have occurred, such as residency.
  • Keep your receipts for any buying or selling transactions.

Licencing and qualifications

To practice in Australia, a tax accountant must meet at least the following minimum requirements.

  • Complete a Bachelor’s in some form of accounting.
  • Pass the Certified Public Accountant (CPA) program.
  • Be a member of a qualifying trade organisation.

How to save money hiring a tax accountant

Everyone likes to save money at tax time. Here are a few tips to help you save on accounting fees and the taxes owed.

  • Save every receipt and write down what it is.
  • Keep your files organised so that your accountant does not miss anything.
  • Ask about fees before you agree to an accountant’s services.
Categories
Finance

Tax on rental income

The tax on rental income would typically be categorised as accessible, but you’re entitled to claim tax deductions for the different expenses associated with having people rent out the property. The amount you have to pay in taxes depends on how much money you earn, which means you may need to set aside 20 to 49 per cent of your earnings for taxes. What you owe also depends on the amount of tax that is deducted from your other sources of income. This makes it necessary to obtain help from a tax agent to ensure the calculations are accurate and you’re informed of the laws.

Short-term rental hosts must pay Schedule C or self-employment tax, which includes social security and Medicare tax. You can also expect to pay local and state occupancy taxes on your rental income. You have the option of paying PAYG instalments if your income is inconsistent or you want more convenience. It means you won’t have to worry about getting a big tax bill at the end of the year.

What deductions can Airbnb hosts claim?

Maintenance

The money you spend to maintain the property or perform repairs is eligible as a tax deduction, which makes it necessary to keep thorough records and recipes. You can write off the cost of repairing a leak or replacing the new roof to maintain a desirable, safe, and functional setting.

Utilities, fees and insurances

The money you spend on water, power, and sewage are all tax deductions to report. The homeowner’s insurance or private mortgage insurance (PMI) you pay each month is also eligible. The fee you pay to Airbnb or other websites can also be included in your tax dedication and should consist of the dates of your payments. You can also report fees you paid to collect the rent.

Marketing and promotion

Whether you pay for Facebook or Instagram, the money you spend to promote your Airbnb and attract more renters is considered to be deductible.

Financial and asset-related issues

You can also deduct any items stolen from the property or if the furniture was damaged when you had people renting out the property.

Personal costs of managing the property

You may have personal expenses associated with managing your Airbnb, which includes upgrading the furniture or paying for cleaning services.

Council rates

Keep thorough records of your council rates, which is known to fluctuate each year and can be written off.

Claiming deductions:

How do you claim them?

You can claim your Airbnb tax deductions by obtaining the help of a tax preparer and by itemizing the tax deductions. You’ll need to prepare a Schedule C attachment, which is considered to be a separate calculation from your net profit. Avoid deducting anything that you do not have proof of paying.

How much can you claim?

You can only claim the number of days or weeks you rented out the Airbnb, which may be four weeks or 50 weeks, depending on how much business you received. You can only claim what’s related to running the Airbnb and can’t claim anything associated with your personal use of the home.

Airbnb & capital gains tax (CGT)

Pros

  • You can obtain a lower Airbnb and capital gains tax rate when you sell the property.
  • Defer capital gains tax when selling one property and buying another.

Cons

  • It doesn’t apply to your inventory.
  • It doesn’t apply to corporate income.

Airbnb & goods and services tax (GST)

Many people may assume they need to be aware of GST on residential rent if they use their property as an Airbnb. GST doesn’t apply to residential rentals, which means it’s up to you to add the amount to your rental property when reporting it to the government. You aren’t liable for GST on rent for the rates you charge and the money you collect. This also means you also can’t claim any Airbnb GST credits for any associated costs.

Byron Bay – a popular location for Airbnbs / Source: Shuterstock

Tips for Airbnb hosts:

Keep all of your receipts

Keep every paper receipt and digitally scan everything, so you have evidence of your expenses if the IRS contacts you in the future.

Obtain tax advice

It can be easy to owe different types of taxes for your Airbnb. This makes it necessary to talk to an expert to avoid missing anything. A qualified tax professional will be able to take a close look at your earnings and determine how much you owe.

Depreciate your property

Many people also forget to consider the depreciation of their property and any money they spend to upgrade the kitchen or remodel the bathroom.

Record your bookings

You need to track all of your bookings and also vacancy dates throughout the year so you can report how many times someone uses the property. This will ensure your reported earnings and the taxes you owe are accurate. Tracking how often the property was rented can allow you to communicate your deductions for the Airbnb taxes.

How to hire a tax accountant

Read online reviews

Consider looking at a review of former customers online to determine how respected a tax accountant is before you use their services. Look for someone with a high rating without many complaints to ensure you hire someone reliable and experienced.

How to create an accurate estimate

Determine your different sources of income

Consider the number of places you earn an income. The more income you earn in different areas, the more time it’ll take to prepare your taxes, which will mean you can expect to pay more for tax preparer services.

Licencing and qualifications

You’ll end up paying more for tax accountants with more credentials and experience because they’ve spent the time and money to become educated and credentialed. If you hire someone reputable and with experience, it can allow you to save more money. Furthermore, it will ensure they’re aware of all of your Airbnb tax benefits.

Categories
Walls & flooring

The carpet cleaning secrets the professionals don’t want you to know

Despite the preponderance of other attractive flooring solutions that make our living spaces look and feel good, we are still in love with the good old rug. Carpets bring warmth and softness to our living spaces, and depending on the choice; they can even add a touch of luxury.

However, it is not all smooth-sailing when it comes to carpet installations. The downside with carpets is that they will trap dirt and dust pretty fast. Carpets can also be precursors for foul odour in your interior spaces. Suppose you fail to take timely carpet maintenance. In that case, they can form breeding grounds for bacteria, mould and various other microscopic allergens that can transform an otherwise well-maintained home into an unhealthy environment for the occupants. 

Regular carpet cleaning helps you prevent all of this while keeping your carpet in tip-top shape. Central to this is proper carpet cleaning. Buying cleaning products or hiring a professional cleaner might be easy. Still, the hard part is doing the cleaning right and using a carpet cleaning method that will work for you and help keep your carpet clean, fresh and in the best shape over its lifetime. Carpet Cleaner Cairns explains the top carpet cleaning secrets that the professionals don’t want you to know.

Brown carpet being vacuumed by person in blue jeans and white sneakers.
A dirty carpet being vacuumed / Source: Clean House Melbourne

Frequent vacuuming is your carpet’s best friend

Vacuuming is probably the most underrated carpet cleaning and maintenance technique. Doing it frequently keeps your carpet clean for a longer duration of time which saves you the cost of having to call on a professional carpet cleaner regularly. Some dirt serves as ‘magnets’ for more dirt so the less on your carpets, the better for your overall carpet cleaning regimen. A good culprit is an oily dirt which will attract more dirt on your carpets and spread rather quickly. 

Vacuuming should not just be focused on the carpet. It is also advisable to vacuum areas adjacent to the mat, including the entrances and high-traffic areas. Your feet will pick the dirt from these areas and transfer it to the soft fabrics of the carpet that readily hold onto the dirt. Ensure you clean the edges of the room as well as beneath your furniture as these areas can hide lots of dirt and dust that eventually find their way onto your carpets. 

It is also advisable to master the right vacuuming technique that will maximize every cleaning action. Vacuuming your rooms and carpets is a cumbersome chore, so you better do it right whenever you master the energy and will to do it. You will have tremendous success when you vacuum with slow passes than doing it fast. Slow passes are especially crucial in the high-traffic areas that accumulate lots of dust and dirt.

You can manage most of the small stains yourself

Your professional carpet cleaner won’t tell you this, but you can handle most of the small or spot carpet stains yourself. You have to ensure that you do it promptly and with the right cleaning materials and techniques. Some of the ‘must-have’ cleaning materials that are essential to the optimal cleaning and maintenance of your carpets include the following: 

  • Club soda: Best for handling wine and beer spillages
  • White vinegar: You can mix vinegar with water for juice and soda stains
  • Dishwashing liquid: Ordinary dishwashing liquid can work on several stains when mixed with warm water to form a friendly cleaning solution.
  • Wet wipes: Wet wipes are hyper-efficient in quickly blotting out spot stains on the carpets. 

Always blot and never rub your stains 

Rubbing and scrubbing stains immediately is a sure-fire way of ensuring that it not only spreads over a large surface area but also embeds itself more in-depth into the carpet fibres. Rubbing adds permanence to the stain. The best spot stain treatment merely is blotting it out. 

When a stain spills on your carpet, start by blotting out gradually using an absorbent paper towel, sponge or napkin. Do this many times, gently applying pressure in each blotting action. It takes as much stain as possible out of the carpet rather than pushing it deep into the carpet fibres. When blotting out the stain, start from its outer edges and gradually make your way to the centre.

A dirty grey carpet gets vacuumed.
The results of a freshly cleaned carpet / Source: PestX

Treat all stains immediately

Your professional carpet cleaner probably won’t tell you this. Still, you have a perfect shot at eliminating carpet stains when you treat them immediately. Granted, you can’t always be there when the spillage or staining happens. Still, when it happens on your watch, it is recommended to treat the stain immediately. This allows you to get the stain out before it percolates deep into the carpet’s fibres. Unless you are familiar with professional carpet cleaning techniques and materials, avoid using powerful detergents or chemicals. If the stain is stubborn, you can promptly contact a professional carpet cleaning service. You can try using vinegar, club soda wet wipes, hydrogen peroxide or the simple dishwashing liquid depending on the type of stain to clean out the stain immediately. 

Contact local carpet cleaning experts

Hydrogen peroxide can remove your blood stains

Bloodstains on carpets aren’t as common as wine, beer, juice, dirt or food stains. If you cut yourself and blood spread or spatters on your carpets, you can remove these unsightly stains with hydrogen peroxide. If the bloodstain is still fresh, you can try removing it by blotting it out with an absorbent paper towel or napkins. If the blood has dried out, try loosening it using water and a mild detergent. Using a butter knife, you can gently scrape off the dried blood stains off the carpet fibres. After scraping them off, you can use hydrogen peroxide to clear off the rest of the blood residues. Hydrogen peroxide will fizz and then foam when it comes into contact with the bloodstains, eliminating the stain in the process.

Use area rugs in high traffic areas

The high traffic areas on your carpets will suffer a higher degree of wear and dirt than the low traffic areas. Because they take in a lot of dirt, they are also generally harder to clean. They will accumulate a lot of dirt from the high foot traffic that will necessitate a higher cleaning frequency. One way of preserving your carpet is by using area rugs in the place where your carpet is particularly taking a good beating. These can include the following:

  • The spot where your kitchen meets your living room
  • The hallways
  • The spot where your bathroom meets the joint area or the hallway
  • Backyard doors

The best way to relieve pressure off the high-traffic areas is by using area rugs. Beyond the functional aspect of protecting your carpets, these rugs can also be a decorative item. You can choose different styles, shapes and patterns to add some style and charm to your house interiors.These are some of the best carpet cleaning secrets that your professional carpet cleaner won’t tell you about. However, it would be best if you mainly used these for small localized stains. An experienced and well-trained carpet cleaner better use powerful carpet cleaning detergents, chemicals and equipment.

Categories
Lighting & electrical

How to use your switchboard

What is a switchboard?

A switchboard is an electric power board that holds individual switches to control different power needed to certain areas of your home. 

What does a switchboard do?

Often referred to as a power box or a meter box, this board takes the entire load of the incoming electrical feed and separates it into switches rated for a specific amount of voltage. For example, a refrigerator needs more power than a table lamp plugged into an outlet. Voltages are measured by what the switch is for, then set up accordingly.

You can also find the main switch inside a meter box in addition to the switches on the switchboard. This single switch is to shut down all power from the entire board. 

What should I do if my lights or power points aren’t working?

If there is an overload on one of your switches, that particular switch will automatically flip off. For instance, a living room with nothing but outlets and overhead lighting may not be prepared to accept an electric area heater. When used, it may tell the switch that it is not wired for that much power. Go to your switch box and check if all the switches are on. Chances are, there will be one that has flipped off. Instead, use another breaker that has a higher voltage setting or check with a licensed electrician for advice on increasing power.

Labelling a switch board can make using it a lot easier / Source: Got U Wired

What should I do if all the electricity has gone off in my house?

In the case of all lights in the house turning off, several things could be the cause. Check your neighbour’s homes for any sign of lights. If their lights are out as well, there is probably a broader issue that is out of your control. If your neighbours have lights, check your main switchboard for signs that the main power switch has switched off. Switch it back on and make a note to check with your switchboard electrician to find the cause. 

Safety tips for your switchboard

High voltage is nothing to play around with. Unless you are a licensed electrician, keep your DIY skills to turning the switches on and off. These switches are made for the average homeowner to use in case of a power surge or overload. Learning how to use a switchboard is easy as long as you don’t try and remove the switches. Only trained professionals are able to determine what is tied to a switch and how to approach a problem.

There are times when a switchboard will wear out or need repair. A few of these signs include:

  • Lights begin to flicker
  • Circuit breakers are always tripping
  • Circuit box contains old ceramic fuses
  • Switchboard feels warm when circuit is tripped

Never attempt to remove a switch to uncover a problem

Only a licensed switchboard electrician has the tools and knowledge to understand the problem. Voltage can be deadly to the inexperienced homeowner.

Avoid sparks or fire

Sparks or fire signal an emergency, and you should contact a licensed electrician immediately. Follow his instructions and wait for his arrival.

Label all switches

Labelling is a simple idea, but many homeowners do not follow. You can save a lot of time and frustration in knowing which switches control different parts of your home.

Check your circuit breakers

Circuit breakers play a crucial role in safeguarding electrical systems and preventing potential hazards. In Australia, RCBOs (Residual Current Circuit Breakers with Overcurrent Protection) are commonly used for enhanced safety. These devices combine the functions of both a residual current device (RCD) and a circuit breaker, providing protection against electrical shocks and overcurrent situations. When installing RCBOs, it’s important to follow the appropriate wiring diagram, such as the one provided by Clipsal, to ensure correct and safe installation in accordance with Australian electrical standards.

Contact local electricians

What to look for when hiring an electrician

Licensing

A qualified electrician will have completed trade school and spent four years as an apprentice. However, there is an exception to completing an apprenticeship. It can be challenging to find a master electrician to study under. It is possible to take the required courses that range from 6 to 18 months and pass a final exam. While being able to obtain a license, it can be challenging to find employment with a company without the on-hand experience of an apprenticeship. 

Insurance

Your electrician should be able to provide a copy of their insurance for mishaps that could occur. 

Experience 

Experience is the key to understanding different areas of electricity. If your candidate has not completed an apprenticeship program, ask for references of past clients or seasoned electricians that can vouch for their work.

Quotes

Get three quotes from licensed electricians and compare the costs. Electricians in Australia average around $45 per hour for their services. The cost can vary according to region, experience and specialty.

Categories
Walls & flooring

How to paint tiles

Tiles play a pivotal role in defining the aesthetic of a space, but trends change, and sometimes, so should your tiles. If you’re wondering how to paint bathroom tiles or refresh your kitchen, having your tiles painted is an easy, affordable solution instead of a tile replacement. Here are some tips on how to paint tiles, ensuring a smooth DIY experience. 

What is tile paint?

Tile paint is a type of paint designed specifically for painting tiled surfaces, including walls and floors. When you use ordinary house paint, it will not stick to the tiles. Even if the paint sticks, it will begin peeling away. Choosing the right type of paint is the first step in this DIY job.

What to know before painting tiles

Painting old tiles white using a paint roller | Source: iStock

Before diving into the paint cans, here are three important things you should keep in mind for a flawless tile-painting experience. 

  • Choose the right tiles. Not all tiles are created equal, and you need to select the right type for their use and functionality. For instance, it’s ideal to get non-slip tiles for the bathroom. Meanwhile, ceramic or porcelain tiles provide a solid surface for the paint to adhere to.
  • Surface preparation is key. Give your tiles some TLC before diving into painting. Clean and sand the existing tiles to remove the glaze and ensure proper paint adhesion. 
  • Select the right paint. Investing in good quality tile primer and paint for tiles from a reputable store is essential for a finish that stands the test of time.

Benefits of painting your tiles 

Renew the look

Painting over tiles is an easy way to renew the look of any room. Many people choose trendy colours when they install tiles and later find that the tiles look dated and out of place. Choose from a myriad of colours to give your space a fresh, contemporary feel.

Changing your tile’s colour can have a dramatic effect / Source: Brightr Solutions

Cheaper than replacing them

Replacing your tiles and hiring a pro to do it costs a lot. You need to pay someone to remove the old tiles and check for water damage, and you also need to pay for new tiles and grout/other materials. Painting tiles is a wallet-friendly alternative to a complete tile replacement. You can also conceal dated or imperfect tiles, turning flaws into features.

Easy DIY

Knowing how to paint tiles can turn a weekend into a home improvement project with minimal time and readily available supplies. Depending on the size of the space, you might need as little free time as a few hours. Most jobs take a weekend or less and require supplies that you can get from any home improvement store.

Create custom and personal designs

Unleash your creativity by crafting personalised designs, making your space uniquely yours. While you can draw inspiration from what other DIY enthusiasts did, you don’t need to rely solely on their ideas. You can combine new colours and come up with your own designs.

What you’ll need

Gather the essential tools and equipment to ensure a seamless and successful project. Having these tools and materials on hand should prepare you well for your tile painting project with confidence.

  • Tile cleaner: To thoroughly clean and prep the tiles before painting.
  • Sandpaper and sanding block: Use fine-grit sandpaper to remove the tile glaze and use the sanding block to smoothen the surface.
  • Masking tape or painter’s tape: Essential for protecting surfaces you don’t want to paint, such as appliances and outlets.
  • Paintbrushes and rollers: A combination of brushes and rollers helps cover different areas efficiently.
  • Paint trays: To hold and distribute the paint while using a roller.
  • Drop cloths or plastic sheets: Protect your flooring and surrounding areas from paint splatter.
  • Paint stirrer: Ensure your paint is thoroughly mixed before application.
  • Tack cloth: Use to wipe away dust and debris after sanding.
  • Tile primer: Choose a high-quality primer for better adhesion.
  • Tile paint: Make sure it’s a durable paint suitable for tiles.
  • Sealer: For added protection, especially in high-traffic areas or if painting floor tiles.

Safety gear:

  • Protective gloves: Shield your hands from chemicals in cleaners and paints.
  • Safety glasses: Keep your eyes protected from dust and debris.
  • Respirator mask: If working in a confined space, ensure proper ventilation and protect yourself from fumes.

A step-by-step guide on painting tiles

Step 1: Repair any damaged tiles

Showing a cracked tile | Source: iStock

Begin the prep work by treating any chips or cracks with TLC to ensure a smooth surface. Caulk can repair any thin cracks or minor chips by applying a small amount while wearing gloves and levelling it with your finger.

For major flaws, use an exterior-grade waterproof spackle. Apply a little amount and wipe away the excess with a putty knife, bringing the filler down to the tile surface.

Step 2: Clean and sand the tiles

Fill a bucket with warm water and TSP cleanser (Trisodium phosphate). Wipe the tile down with gloves to remove dirt. Begin at the top and work your way down, changing the water as needed. Let it dry after rinsing with clean water. 

Use sandpaper to scuff up the glazing without sanding down to the tile body while wearing safety gear. To prevent beeswax from embedding, clean the tile with water and dry it with a tack cloth.

Step 3: Protect non-paintable areas

Shield your furniture, appliances and other items from accidental paint splatters by using masking tape and sheet plastic. Protect outlets and appliances to ensure that your paint lands only where it is supposed to.

Step 4: Prime the surface

Grab your tile primer and fill a lined tray with bonding primer. Apply thin applications with a roller, and be careful not to press too firmly. Using a roller ensures that you don’t miss any parts of the tile and that the primer goes on smoothly. The primer can take a few hours or longer to dry or cure. 

Step 5: Paint the tiles

Painting bathroom tiles to renew the look | Source: iStock

Choose high-quality tile paint and apply it evenly with a roller. You can also spray paint your tiles if it’s easier and you have the right equipment on hand. 

Avoid overloading your roller or paintbrush to prevent drips. Fill in the gaps and smooth down the edges with a paintbrush.

If you want to create unique patterns, use a cut sponge, prefabricated stencil, or handmade painter’s tape stencil. Before attempting patterns, check the manufacturer’s instructions regarding drying times.

Enhance the overall aesthetic by delicately painting the grout lines. Use a fine brush or a specially designed grout paint to accentuate these details, creating a cohesive and professionally finished appearance.

Contact local painters

Step 6: Let the paint dry and cure

It is best to let the tile paint dry completely overnight, although it may only take a few hours. If humidity slows the drying process, operating fans and leaving windows open will draw moisture from the air and help the paint dry faster.

Step 7: Apply a second coat

When buying tile paint, make sure you have enough for multiple coats, as the exact quantity needed depends on the job. Darker tiles generally require more tile paint than lighter ones. Additionally, surfaces with accent tiles, patterns, or unique designs may need extra coverage. Using a primer to conceal old tiles reduces the overall tile paint required. If old tiles are visible through the paint, you may need multiple coats.

Step 8: Apply a sealer

Finally, apply two coats of polyurethane sealer after the paint has fully set. Allow the paint to cure for 24 to 48 hours before applying the sealer to ensure it is no longer tacky to the touch, promoting excellent bonding.

Preserve the beauty of your painted tiles with regular maintenance. Clean them gently with a mild detergent, and avoid abrasive cleaners to extend the life and vibrancy of your newly painted tiles. With proper care, your painted tiles will continue to enhance your space’s aesthetics for years.

Transform your space with fresh coats of paint

Tile painting emerges as a versatile and cost-effective home remodelling option. The possibilities are endless, and knowing how to paint tiles allows you to personalise your surroundings.

If you decide to let a pro handle the job, choose someone with the right qualifications. Painters in Australia need a Certificate III in Painting and Decorating, which goes to those who did apprentice programs and took the right classes.

Hiring a skilled painter can ensure that your house painting endeavour goes off without a hitch. They can assist you in selecting the right kind of paint and colour to complement your style and emphasize your tiles. With a single brush stroke, you may transform, refresh, and customise the style of your kitchen or bathroom!

FAQs on painting tiles

What kind of paint do you use on bathroom wall tiles?

  • Epoxy paint: Ideal for bathroom wall tiles, known for durability and moisture resistance.
  • Latex or acrylic paint: This option is user-friendly and especially effective with a bonding primer.
  • Oil-based paints: Suitable but requires proper ventilation due to fumes.
  • Tile paint or refinishing kits: Offers specialized formulations for tile surfaces.

Ensure thorough surface preparation, including cleaning and priming, for optimal paint adhesion and lasting results.

Does painting over kitchen and bathroom tiles last?

If you use high-quality paint and properly prepare the surface before painting, your painted tiles will last many years without needing to be repainted.

Can you paint over the kitchen splashback tiles?

Yes. Paint is one of the simplest and most cost-effective ways to remodel your home. A few cans of paint can transform your kitchen’s walls, cabinets, kitchen island, table, chairs, and even your splashback.