Monthly Archives: August 2014

house builders

Deciding Today for Tomorrow: Why Your First Home Should be a Duplex?

house buildersChange is part of life and having a home is part of it. At some point, you will decide when to build a home that will support you and your family’s interests and lifestyle. A home that is perfect for young professionals may feel small and crowded once there are kids.

No one says building a home is easy. Many people didn’t have a solid plan and ended up regretting their decisions. Some homeowners choose to build single-family houses, while others prefer to invest in duplexes.

Now that you’re ready to build your first home, you may want to know why it should be a duplex.

You have an additional source of money

With a duplex, you can occupy one unit and rent out the other one. Doing this allows you to earn extra money that will cover your monthly expenses. The rent you will collect from the tenant is enough to pay for water and electric bills, home repairs, groceries, or new clothes. You have a reliable cash flow. If you don’t consider managing a property a problem, then it’s time to consult with duplex house builders.

It’s ideal for a growing family

If you’re planning to have kids soon, this is the right time to build a home that will suit your growing family. When you build a duplex, you don’t have to worry about moving into a bigger home. It’s important to always think about your family’s future to have a place that can meet your needs today and tomorrow.

You’ll experience a unique living situation

Say you need to take care of your aging parents, building a duplex allows you to take them in while keeping a separate space. Though no one knows what will happen in the future, it’s best to imagine what your situation will be like when your adult children move back home and your aging parents need care.

Building a home means devoting your time, sweat, and money into a place you will keep for many years. You don’t want to feel all your efforts were put to waste.

home care service

Age Does Matter: Choosing Between Nursing Homes and Home Care Services

Change is inevitable. This is clearly depicted in a person’s age. At some point in life, the elderly cannot take care of themselves. They will require help from you, but you cannot dedicate yourself into nursing them due to your other personal needs. This means you will eventually need assistance from others.

home care serviceYou basically have two choices: a nursing home centre or an elder care home service. Both options ensure to provide the right amount of attention and good quality nursing care. Nevertheless, industry veteran rdns.com.au says Sydney residents prefer home care services than nursing homes.

This kind of matter, however, depends on each case. Here are things to consider when choosing the care service for your elders:

Medical Condition

If the elderly is not particularly sick and just needs a little assistance with daily activities, like bathing, dressing, and cooking among other, then a few hours spent by a nurse at your house is enough to provide these needs. In-house nurses have their costs and benefits. If your loved one is sick and needs 24/7 caring, then a nursing home may be the better option.

Expenses

Home services charges by the hour and therefore, costs lower. This is the better option as healthy elders do not need extensive nursing. At a nursing home, meanwhile, the expense is much higher due to all the necessary supplies, although medical insurance companies may cover the costs if they are sick.

Elder’s Preference

Nursing services allow elders an amount of freedom. This way, the quality of their life will be much better, making them happier in the process. Experts say that it is better to consult the elders if they can still make decisions. Some may prefer nursing homes, as there are more people there. Being surrounded with people will keep them in better spirits and may improve their health as well.

In case you cannot weigh the factors, take the advice of doctors before making the decision. After all, they may know what the medical needs of people are. Evaluate all the options carefully. As much as possible, involve the elders in making your final choice.

old woman

When Retirement Homes Aren’t the Answer

It’s no secret that as people age, the body will start to deteriorate. Many people think that grey hair, wrinkles, and thinning hair are the only signs of ageing, but there’s more than that. Some parts of your body are giving up before you even notice it.

old womanAs you age, you need to decide whether or not you need senior care. Many elderly parents believe that by getting some help they will only become a burden to their family. At some point in your life, though, you have to get the help you need.

Here are some signs it’s time:

Difficulty with balance

If you’re having trouble moving around the house, perhaps it’s time to get some assistance. Industry expert rdns.com.au explains that seeking in-home care services can mean less stress for you. These home care services will range from assistance with daily chores and personal care. Carers will still allow you to function normally every day, be it taking a bath independently or preparing your coffee.

You’ve lost weight

You’ve noticed that you recently lost 5 pounds, even without trying to. You believe you always eat healthy foods and take your medication on time. Losing weight might be a sign of something serious, such as dementia or depression. It might also mean that you don’t have the energy to do household chores anymore.

If you find yourself having difficulty with cooking, washing the dishes, or doing the laundry, perhaps it’s time to seek help. You need to have someone who can assist you with shopping, meal planning, and preparation.

You forget things

You notice you are a few days late on paying your utility bill. You suddenly remembered that it also happened last month and the other month. This could indicate that it’s time to get help at home. You need to admit that you are starting to forget the things you used to do because of ageing.

Sometimes, the signs are already there, but you choose to ignore it. Keep in mind that elder care is the best way to stay safe, happy, and healthy at home.

pearl

Proper Accessories for any Occasion

pearlJust like attires, there are suitable accessories for a specific occasions. Matching jewellery for an occasion is not hard if you own great pieces. Accessorizing brings out the best in you, so it is important to know how to match it to the occasion.

Here are some ways to help you determine what accessory to wear:

Diamond and gold

Diamonds and gold are classy and sophisticated. They are perfect for almost all occasions. Small diamonds are fitting for a regular day while larger diamonds are better for evening wear. Meanwhile, put on small gold accessories for a regular day out or small birthday parties, while the larger ones are better for bigger occasions like weddings.

Bracelet

Many jewelry stores in Long Island, New York note that bracelets are a great way of decorating the hand, as it is the most sensitive part of the human body. Industry experts added that bracelets reveal a bit more about your personality.

Accentuate your favorite jeans and tank top by stacking some bracelets on your hand. It presents a bold and flirty style that can be flaunted during an outdoor concert or shopping day. For formal events, you can consider wearing pearl, stone-studded, silver and gold bracelets.

Necklace

Necklaces have different designs that suit any occasion. Gold, silver and platinum necklaces are perfect for ordinary days and simple occasions like getting home for a gathering, while necklaces with gemstones are better for dinner dates and formal evening affairs.

Watch

Wearing a watch is a wonderful way to add flexibility to your outfits. Use a leather watch for a day of shopping and lunch with the girls, while go for silver and gold on special occasions.

Mark Twain once said “Clothes make the man,” but it seems that accessories give a powerful insight of who they are too. Jewelry brings out different styles that make each moment of the day a special occasion. Be keen enough to sort what is proper for the occasion.

coating

Fluoropolymers: Their Multiple Uses in Different Applications

coatingYou may be wondering what a coating made out of fluoropolymer is used for. Like many others, chances are this may be the first time you’ve heard of such a substance. You may not know it, but you actually encounter this material every day.

Fluoropolymer is a type of polymer that features fluorocarbon and strong carbon fluoride bonds. Polymer consists of a wide array of compounds such as plastic as well as a number of naturally occurring materials like rubber, wood and silk. To put it simply, a fluoropolymer is a more specific kind of polymer that has stronger properties in terms of high resistance to solvents, acids, and bases.

High Demand

According to A & I Coatings, fluoropolymers are consistently in high demand because they contain special properties that make them very useful in industrial coatings.

• They offer excellent non-stick properties as seen in a popular line of non-stick kitchen cookware.
• They are excellent at reducing friction and are quite resistant to corrosion.
• They are quite good at withstanding very high temperatures
• They are excellent insulators which mean they are unable to conduct electricity which makes them quite useful for use in a wide array of electronics and automotive parts. They do not absorb water also.

Protective Coating

Fluoropolymers have the ability to safeguard a wide array of products, which make them last longer and function optimally.

Aircraft insulation – Fluoropolymer coatings are used in the wiring insulation for aircraft, which protects the wiring and reduces the risk of fire. You instantly feel better the next time you ride a plane knowing that it is protected against fire using this material.

Industrial Settings – Fluoropolymer coatings are used in printing and packaging factories for the purpose of coating ink trays, frames and rolls. The coating serves to ensure that parts do not stick as they pass through, which makes them easy to clean.

Food Industry Applications – Fluoropolymer coatings are used to coat molds and trays to prevent bread, cheese and candy items from sticking to them, making it very easy to clean as well.

The global demand for this substance is driven by new developments of products, applications, and processes. This is expected to continuously grow in the next few years.

luxury homebuilder

Building Your Unique Luxury Home

luxury homebuilderEveryone wants to have a fabulous property. Brisbane residents are no different. The city, being the most populous in Australia, boosts of luxury home builders trained to build your dream home.

However, with the many choices around, how exactly do we find the right home builder for our luxury home? What traits should we look for?

When selecting a custom builder, it is always prudent to do your research first. You may look up online, find reliable references, and get suggestions from relatives and friends to locate a trustworthy custom builder.

Once you’ve narrowed down your choices, ask them to show you their previous projects. If they can show you prospective of house models, you will at least have an idea whether their style matches your expectations.

Further, when you’ve found your potential homebuilder, you need to ensure that they have these 3 important qualities:

They Involve You in the Project

First and foremost, it is your home. Your builders will design and build your property according to your specifications. Other than finding a trained luxury homebuilder in Brisbane, you also need to ensure that your builders will involve you in the project. They will allow you to give input over the layout, style, paint, and materials.

They Think About your Budget

A professional homebuilder will work strictly according to the homeowner’s budget. A truly professional custom builder will give you an estimate of expenses first. This will help you arrange for finances and loans before the project starts. As soon as you settle the budget, the contractor will accordingly make arrangements for the house building materials and other assorted facilities so that there are no cost overruns.

They Do Post Construction Modifications

A reliable homebuilder will involve you in the process, take consideration of your budget and most importantly, will be willing to do any post construction modifications if necessary. To ensure that they will be willing to do post work, you need to include this provision to the construction agreement. You do not want to have any unnecessary expenses fixing what the contractor should have fixed in the first place.

A custom builder can help you realize your dream of that perfect home. You just need to be properly informed to find the right one.

storage unit

Points to Consider to Maximise your Storage Unit Space

storage unitSelf-service storage or mini storage units is a type of business where storage spaces like rooms, containers, outdoor space and lockers are rented to tenants for short-term storage purposes. The duration is normally month to month. The tenants may be businesses or individuals.

But, too many people simply throw their items into the unit, without properly thinking about making full use of what they have. This is where the need to make optimum use of these storage units comes into the picture.
Making Use of Your Storage Units

There are several tricky things you can do to maximise your rented storage unit space. This will help you avoid renting out extra or additional storage units. Here are some helpful tips from Store-All WA:

  • The first and the most important step is deciding on what needs to be stored in the unit and organising them accordingly. Proper organisation will help you in stacking the goods correctly. For example, fragile goods in a box can be stacked at the very top of any unbreakable or hard item.
  • You can estimate the size of storage space you would need based on the items to be stored. The right size would be just a little bigger than your estimated space to accommodate your goods.
  • Shelving your storage unit for fragile items or those you would be frequently taking out is the best means of maximising your storage space. This would involve an additional expense for buying shelves, but everything is worth it, as you can save money on any fees for extended storage.
  • It is always better to place the goods in boxes or plastic bins and labeling them according to the items contained in it. Stacking these boxes against the wall in a ‘T’ format will give you many paths for easy accessibility. Thus, you can reach the boxes without the need to remove other boxes and placing them back again.
fca compliance training

Dollar to Pay Compensation, Promises to Redress and Improve Practices

fca compliance trainingIn July 2014, only days after Wonga was asked to pay large sums in redress, it was announced that another large payday lender would be paying compensation to its customers.

Dollar Financial was investigated by the regulator, the Financial Conduct Authority (FCA). Following this review, it is said that the company has voluntarily agreed to pay over £700,000 in compensation. With proper FCA compliance training, this could have been avoided.

Beyond Maximum Loan Size

An internal system error resulted in 6,247 customers being approved for loan amounts, which exceeded Dollar’s maximum loan size. The average excess was said to be £12 per customer. Refunds of interest and charges will now be paid to these customers, and affected customers need not take any action as the company will contact them directly.

Only around £79,000 of the compensation will be paid as cash, with the remaining customers having the balance on their loans reduced.

The error could have affected loan applications made at any time between January 2013 and April 2014.

Dollar has also appointed a Skilled Person who will conduct a comprehensive review of the company’s affordability assessments and the wider customer experience. The Skilled Person will report back to the FCA.

The Money Shop Operations

Dollar uses the trading names Payday UK, Payday Express, The Money Shop and Ladder Loans, but the issues identified here relate solely to The Money Shop operations.

Clive Adamson, director of supervision at the FCA, said, “The FCA expects all credit providers to carry out proper checks to ensure that borrowers don’t take on more than they can afford to pay back. We are pleased that Dollar is working with us to put matters right for its customers and to ensure that these practices are a thing of the past.”

The Money Shop managing director Sanjiv Corepal, said, “The Money Shop is a business which prides itself on the trust enjoyed between customer and company. Mistakes do happen and, when they do, we can be trusted to put them right, as we have in this instance.”

Better Payday Lending

The FCA has promised to make payday lending a high priority area, after taking over as regulator of consumer credit on April 1 this year. Its Business Plan for the 2014/15 financial year said that all five of the largest payday lenders, which include Wonga and Dollar, will be visited by the FCA in the next 12 months.

Other examples of supervision activity the FCA will carry out in the near future include:

• Taking over a number of investigations into payday lending firms from the previous consumer credit regulator, the Office of Fair Trading (OFT)
• Conducting a thematic review into the way payday lenders collect debts and treat borrowers in difficulty
• Examining payday lenders’ business plans
• Reviewing payday loan promotional material

The FCA has imposed additional rules on payday lenders, which did not apply under the OFT regime, such as: the need for rigorous affordability assessments, restrictions on rollovers and use of Continuous Payment Authority, provision of information about debt advice to borrowers in difficulty and risk warnings on promotional material.

bridal dress

Shopping For the Most Elegant Bridal Dress

bridal dressFor most brides, the wedding dress is considered the highlight of their wedding ceremony. Much thought and preparation goes into the selection of the dress. But, for most brides finding the right dress is a stressful experience.

Bridal dresses should not only be fashionable, but they should also complement your figure and fir your budget. My Wedding Concierge offers a guide on where and how to shop for the most elegant bridal dresses:

Online Shops

Probably the most convenient means of shopping for elegant bridal dresses would be online. You not only have options readily available, but you also have the convenience of checking out hundreds of designs with just a few clicks. But, the problem is you cannot try the dress on to see if it fits you or looks good on you. You also need to know your exact size and maintain it to make sure there are no disasters come the wedding day. If convenience and variety is what you are looking for, then nothing beats shopping over the internet.

Bridal Salons

A bridal salon typically offers gowns in different prices. Most often, they offer customers with end-of-season sales when they sell sample dresses used in runways for more than half the price. Some salons advertise sales that feature gowns coming from a certain designer at affordable prices. Usually, a bridal salon keeps only sample dresses for fitting. Your actual gown needs to be ordered from the manufacturer or designer. Waiting time can range between a few weeks to several months depending on the design of the dress.

Bridal Warehouse

A bridal warehouse is an establishment that offers off-the-rack gowns that you can already take home after fitting. The prices here are considered much lower than that of the salon because many of the dresses are from last season’s. Shopping here provides the bride-to-be an opportunity of purchasing an elegant gown at a price that is not too hard on the pocket.

Made-to-Order

If you want something uniquely your own or if you want to copy a design from a famous designer without necessarily paying thousands of dollars for it, then hire a tailor to sew your original gown for you.