Crazy Hermit

Lifestyle Blogs

Choose Your Lifestyle

Fashion & Beauty Lifestyle
Click Me
Foodie Lifestyle
Click Me
Travel & Photography Lifestyle
Click Me
Health & Fitness Lifestyle
Click Me
Home & Garden Lifestyle
Click Me
Luxury Lifestyle
Click Me
Previous
Next

Our Blogs

The Safest Suburbs in Sydney

As the city of Sydney expands at a rapid rate, its suburbs become increasingly competitive. As more and more people work for themselves or in industries that demand high travel times, the need to reduce commute times has forced many suburban residents to move closer into central business districts.

This increase in demand has increased rent prices and purchase prices significantly across all suburbs, leaving buyers with little choice but to look outwards from CBDs.

Western Sydney suburb Penrith named the most affordable area to buy in  Sydney - realestate.com.au

If you’re looking for a place where you can enjoy some mod-cons without sacrificing the lifestyle of a suburb further from the city centre – perhaps even one of Sydney’s safest suburbs – then this article is for you!

The following suburbs have been selected based on low crime rates, affordable public transport links and modern amenities. They are all within 25km of Sydney’s CBD and are all ranked in the top 30% of suburbs for median house prices in NSW.

Suburbs selected: Ryde, Shelley, Thornleigh, Riverstone

#1 Ryde [24km from Sydney’s CBD]

Ryde is a well-known suburb to those who live around North Shore. It is known for its quiet streets lined with Koala Bears and friendly locals. Due to its proximity to Macquarie Park, this sleepy suburb boasts an impressive array of amenities including shopping centres, restaurants and gyms. It’s also home to one of the best golf courses in Australia if that’s your thing…

What you’ll love about living here: low crime rates, access to amenities, good schools

What you won’t love about living here: a long commute into Sydney’s CBD on public transport

Public transport links: Bus Routes 501 and 507 runs between Ryde and Chatswood Train Station every 15 minutes on weekdays. Bus Route 523 runs from Eastwood to Rhodes via Ryde less frequently.

#2 Shelley [22km from Sydney’s CBD]

Shelley is a quiet suburb situated within commuting distance of both Parramatta and the Sydney CBD. Most residents enjoy living in this area due to its peacefulness as opposed to those who live closer to the city centre which tends to be more hectic runs.

What you’ll love about living here: low crime rates, good schools, close to Sydney CBD

What you won’t love about living here: limited access to public transport

Public transport links: Bus Routes 561 and 555 run from Burwood Station and Parramatta Station through Shelley less frequently.

#3 Thornleigh [20km from Sydney’s CBD]

Thornleigh is a quiet suburb situated within commuting distance of both the city centre and Parramatta. Most residents enjoy living in this area due to its peacefulness as opposed to those who live closer to the city centre which tends to be more hectic.

It is characterised by Tudor-style homes built early last century. Despite being far from the CBD, it has good access to modern amenities such as shopping centres and gyms.

What you’ll love about living here: low crime rates, good access to public transport, close to modern amenities and Sydney CBD

What you won’t love about living here: a long commute into the city on public transport

Public transport links: Bus Route 506 runs from Thornleigh to Parramatta Station every 20 minutes on weekdays via Pennant Hills Road. Bus Routes 554 and 594 also run from Pennant Hills station through Thornleigh less frequently.

#4 Riverstone [27km from Sydney’s CBD]

Riverstone is a small suburb located approximately 27km North-West of the city centre runs. It offers a tranquil life away from the hustle and bustle of suburbs but still has good access to modern amenities and Sydney CBD.

What you’ll love about living here: low crime rates, good access to public transport, close to modern amenities and Sydney CBD

What you won’t love about living here: a long commute into the city on public transport

Public transport links: Bus Routes 560 and 562 run from Riverstone Station through Schofields less frequently. Bus Route 524 runs from Blacktown Station through Riverstone also less frequently. Both routes connect with train services at Schofields and Blacktown station respectively.

So that’s some of Sydney’s safest suburbs. If you are considering transferring to these locations, you might want to check them out. 

Things To Look For In A HVAC Contractor

There are many factors to take into consideration when choosing an HVAC contractor, so it is best to do some research before signing any contracts.   When you need a new system or have not had your furnace regularly serviced, knowing what to look for can help you choose the right contractor. Thus, this content is all about that. 

What Should You Look For When Choosing HVAC Contractors? -What to Look for When Hiring an HVAC Contractor

Here are some things to consider when looking for the right HVAC contractor:

Diagnosis

When diagnosing problems with your HVAC unit, the professional should always start at the easiest possible cause and work their way up. This means that if there is an obvious problem with one part of the unit, they will focus on fixing this instead of just replacing parts without testing them first.

If they simply replace parts without checking them, they may not solve the problem and will be putting your money towards a useless replacement.

Free Site Inspection

Try to find a contractor who offers a free site inspection first, as this is where they diagnose whether parts need to be replaced or if there are other problems. They should also have no problem going over the quote with you so that you can understand what was done and what work still needs to be done.

Along with the free site inspection, it is helpful for them to provide an estimate of how long they think any repairs or replacements will take so that you know if their services fit into your schedule.

Equipment

Another thing to consider when receiving a diagnosis is determining if they have all of the necessary equipment needed for diagnosing your system. Some contractors might offer a free site inspection but lack the equipment needed to accurately diagnose your system, which is something you should avoid.

Expert Technicians

One last thing that should be considered is if they have expert technicians or just rely on things such as online manuals and videos for guidance. If they solely rely on the internet, it may become difficult for them to provide accurate solutions as some problems could require more steps than those offered in an article or video.

An HVAC contractor who knows how to properly diagnose issues will save you time and money by not wasting either one during their work.

Cheap vs Expensive Parts: What to Look For

Before any repairs are done on your HVAC unit, it is best to check whether or not the parts being installed are high quality or cheap substitutes. If there are any doubts about the quality of a part, ask for more information on it and if you should be concerned about it breaking down quickly.

Some HVAC contractors will use cheap parts to reduce their overall costs even though they lead to higher expenses in the future.

Other contractors might just not have the expertise needed to find good deals on equipment, so they may go with installing cheaper parts without considering that these components could break down within one year while originals would last up to eight years.  

While one year may not sound too bad at first, this can cause problems when it comes time for repairs as there is no guarantee that you will install better components after only a few months.

To avoid the problem of cheap parts, look for an HVAC contractor who buys their equipment or at least has a network of vendors they go through for all products and services needed. This way you can be guaranteed that your system will have good components installed without having to worry about them falling in a few years from now.

You should ask if they have an agreement with any vendor where they get discounts on price due to volume purchased, as this may bring up overall costs but save you money in the future when it comes time for repairs and replacements.

Repairs vs Replacements: What to Look For

Another thing to consider when hiring an HVAC contractor is how often they replace parts instead of just repairing them.   Some contractors may do this to make more money or even because of the lack of skill needed to diagnose an issue, but it will cost you more in the long run.

As stated before, some parts are only guaranteed for one year while originals are good for up to eight years. If your HVAC contractor replaces components that aren’t yet at their expected life cycle, then you will have to pay for new ones within a year or two anyway.

This means that they would have charged you more than double what it would have cost by just repairing the components if they had only diagnosed the problems correctly.

To avoid this problem, find out if your potential contractor has experience with diagnosing issues on your model of the system as well as whether or not they have all of the tools needed for testing it.

If they lack skill in these two areas, then you might want to consider hiring a different professional who can accurately diagnose any issues with your system instead of just swapping parts until the problem is found.

How To Create A Gourmet Grazing Table

Grazing tables are a unique way to gather people and provide them with food at an event. Think of it as a “make your own” or tasting platter, but more refined and with haute cuisine flair.

The concept of the grazing table is to give guests access to a variety of flavours without having to commit to one dish – you can try many different plates and mix and match ingredients, all while getting up from the table freely instead of sitting down for a traditional meal. Guests can sample small amounts of each dish, keeping conversations going throughout the night.

variety of fruits

Grazing tables require some planning, but the process is relatively simple once you get started:

Decide on your theme

First things first – what type of character does your event want to portray? If you are hosting a high-level business gathering, consider food options that will show your guests sophistication. For an Asian or Middle Eastern-inspired party, try creating a grazing table with various styles of Asian salads and sushi.

A Mexican fiesta might call for tacos, nachos and burritos. The design of the table can also match your theme; consider using maps to create country borders on the platter or building miniature cityscapes out of vegetables like radishes and zucchini.

Gather recipes

Once you have decided on your theme (and incorporated that into the item’s design), start thinking about what foods would be included in each dish. Look through cookbooks, websites or magazines for ideas. You can create themed platters by choosing recipes with the same colours, cooking styles or background stories. If you’re feeling ambitious, try recreating your favourite restaurant’s menu items at home!

Decide on price

You need to make sure that your grazing table fits into your party budget; it may mean cutting out some other elements of décor. Decide how much each guest will pay (if anything) and put together a list of options for them to choose from (you might even want to ask your guests about their dietary restrictions beforehand).

When setting up the table itself, be frugal with space; putting all kinds of food in front of people will turn them away if they see too much at once. However, if you have a smaller table, you can put out a wider variety of options. Also, think about how much food people will eat at a party. If you have ten guests for an hour-long event, each person should only have one plate per hour to avoid overwhelming your catering staff and going overboard on food costs.

Enlist help

Depending on the size of your event and grazing table, you may want to find some extra hands! You could include older children in the process or hire student waiters from local schools if this is for a formal occasion. Spread the workaround by having different people create certain recipes for the platter, rather than doing it all yourself. This also allows you to delegate any specific dietary restrictions that might be in effect.

Don’t forget the utensils!

Make sure that people have everything they need to enjoy the grazing table, including plates, napkins and utensils. Keep it simple by using disposable items if you are having a large gathering or want to speed up the clean-up process afterwards. Replicate restaurant décor by placing silverware rolled in napkins on each plate or setting out baskets of cutlery so guests can choose what to use themselves.

Another option is “finger foods” – for example, mini sliders might be easier for your guests to eat with their fingers. Make sure there are plenty of water glasses available (and, if necessary, menu fliers) since many people will want to take drinks off the table.

Narrow down your menu to the best dishes

After your guests have sampled each recipe, keep track of their favourites for next time! If you’re planning on making this a recurring event (or if one dish is especially popular), make sure that it stays on the menu. Of course, don’t be afraid to try out different things; there’s always room for improvement and new ideas.

Make sure people are satisfied but do not overfill them! People should leave with an empty stomach (and possibly some leftovers) so they can focus all of their attention on the company around them. Keep in mind that most grazing tables won’t feed more than 12 people at once; any more than that will result in wasted food.

This resource might be helpful for more information: grazings food.

Guide to Unit Trust Registration

The Guide to Unit Trust (UT) registration is meant for you if you are looking for an investment. After all, “investment in the stock market” is one of the most lucrative things in this day and age. But where can you start? What should be your investment criteria?

How do you pick the right investment vehicle? You don’t want to lose money on bad investments, so what kind of due diligence should be done before investing in any UT? And how does it all work when it comes to taxation?

5 Tips to Make Small Business Registration a Hassle-Free Experience

To help out budding investors like yourself, we have decided to put together this guide that will look into some of these questions. This guide is meant for beginners who aren’t familiar with the world of stocks and shares. If you are already a stock market veteran, investing in UT may not be for you anyway – there are probably better ways to spend your time! Learn more about the details at company 123.

Right Investment

So, let’s start with the first question – how does one go about finding the right investment? Usually, one enters into a contract with a brokerage firm to invest his money into a stock or share that is chosen by an expert analyst. Let’s take the example of Apple Inc., which is trading at $100 now. An investor can buy around 5 shares (depending on the broker), paying $100 x 5 = $500 as initial capital.

The fundamental value of this investment will depreciate as soon as new information comes out about the company – that may be good information (for example, the company is making a lot of money) or bad news (the company is losing money). In simple terms, this means that investing in UT requires forward-looking – investors need to predict how a particular stock will perform in future.

Taxation

That brings us to the question of taxation. As with any other form of income, you end up paying tax on your investment gains as well! However, there are certain things one needs to keep a note of – firstly, capital gains from units purchased before 1 st April 2009 are subject to income tax only if they have been sold after 1 st April 2009.

Secondly, long term capital gains arising from units purchased before 1 st January 2011 and which have been held for more than twelve months will be exempt from income tax. This is called the Section 54 EC (Exempt-Cum-Tax) status.

However, if you are looking to hold your units for another 12 months, then there is no point waiting – if you sell it now, you will get the same benefit of exemption under Section 54 EC status!

Investment Gains

The next question that comes up naturally is about taxation on investment gains. As mentioned earlier, capital gains arising out of investments made before 1 st April 2009 will be subject to income tax only if they have been sold after 1 st April 2009. Therefore, this particular gain cannot be offset against any other source of income.

On the other hand, long term capital gains arising out of investments made before 1 st January 2011 and which have been held for more than twelve months will be exempt from income tax. This is called the Section 54 EC (Exempt-Cum-Tax) status.

However, if you are looking to hold your units for another 12 months, then there is no point waiting – if you sell it now, you will get the same benefit of exemption under Section 54 EC status!

Money

Next, up is a question that most people don’t think about – what happens when they need money? Most individuals who put their savings into UT funds prefer fixed dividends as opposed to fixed interest rates on deposits with banks or NBFCs. And this brings us to the next question that begs to be asked when it comes to UT funds – how much return should you expect on your investments? This depends largely on risk appetite.

For instance, if you are in the higher income bracket (in other words, in case your total taxable income exceeds Rs 10 lakhs) and would like a steady stream of dividend payments (at least Rs 30,000 per year), then you could invest in Fixed Maturity Plans or fixed deposits that may yield you 6% – 7%.

On the other hand, if you are more of a high-risk taker or have just started saving for yourself, then equities might be something worth considering. Here’s an interesting statistic – an equity mutual fund investor has earned a compounded annual growth rate (CAGR) of 15.39% as opposed to fixed deposits or fixed maturity plans which earn anywhere between 8-10%.

Comparing Funds

One important question that needs to be asked is whether UT funds are better than ELSS (Equity Linked Saving Schemes). The answer to this depends on the taxation year and your TDS status.

Remember, ELSS is a category of equity mutual fund schemes and therefore will fall under the same tax bracket as Equity Funds – long term capital gains up to 10 lakhs per financial year (and short term capital gains up to 2 lakhs per financial year) are not taxable!

It must be noted that these figures apply only if the total of all your taxable income is less than Rs 10 lakhs. Therefore, for those who do not have a taxable income because they are either full-time housewives or students with part-time jobs, you will need to remember that all gains made on ELSS investments are exempt from tax up to the limits mentioned above.

Savings

And finally, the question that everyone wants to ask – how much should I save? This depends largely on your financial goals and the company you keep. If you are young, ambitious and would like to make enough money to retire by 40 (in other words, if you want to live the good life), then it’s best if you start saving early.

That means right now! A fund manager at UTI Mutual Fund says that if you save an equal sum every year for 20 years, it will help you create a corpus of Rs 6.64 lakhs (assuming an average return on your investments of 9% per year).

However, if you are in the highest tax bracket and would like to retire early with enough money to buy yourself that beach-side bungalow in Goa, then it is best if you start putting aside at least 10% of your salary into ELSS or equity funds!

But in case this doesn’t sound feasible for you right now, don’t worry! If someone tells you that they started saving in their 30’s but were able to build up an investment corpus worth Rs 5 crore before they turned 50, don’t think that there is no hope for you. You will get there too, so long as you start saving right away and put your money to work!

That’s all folks! Remember, it’s vital that you take the time to find out about the different types of funds and then determine which course best suits your financial goals. Happy investing!

 

Health Benefits Of Portable Sauna

Portable saunas have been utilized for thousands of years and are still mainstream today. A sauna can help individuals to loosen up and unwind, and it might have other medical advantages, for example, the ones beneath: 

Relaxation

Saunas have been customarily used to create a feeling of relaxation. As your pulse goes up and your veins expand, there is an expansion in the bloodstream to the skin. Saunas may likewise improve blood flow. 

Your sympathetic nervous system turns out to be more active to keep up a temperature balance in your body. Your endocrine organs start to engage in this reaction. Your body’s response to the warmth can make you less discerning to pain, more alert, and give you a feeling of happiness. The warmth loosens up your muscles, incorporating those in your face and neck. These muscles are frequently tense after a difficult day. 

This unwinding effect is perhaps the greatest advantage of utilizing a sauna. To add to the relaxation impact, practice meditation while in the room. At the point when you soothe your body physically, regularly the psyche and the emotions follow suit. The impact is long-lasting and may even assist you with getting a better night’s rest. 

Saunas Flush Toxins 

One of the manners in which the human body eliminates poisons from the body is through perspiration. 

Significant perspiring is an exceptionally successful approach to eliminate poisons the body may have retained in a few different ways. What’s more, the sauna does exactly that. 

In the extreme warmth sessions in the sauna, a ton of perspiring can be experienced, which aides flushing poisons from the body in an incredible manner. 

Heart Health and Thyroid Health 

Sauna use 4-7 times each week lessens the danger of unexpected cardiac death by 60% and a 50% decrease in all-cause cardiovascular death. Sessions of sauna use greater than 19 minutes in the sauna had the most cardiovascular advantages. 

While utilizing a sauna 4 to 7 times each week may appear to be a ton, advantages may even happen after the single sauna use. These incorporate decreased blood pressure, improved heart rate, and better blood vessel function. Sauna use likewise may improve cholesterol proportions as well. 

Thyroid disease causes irregularities in heart rate. For instance, hypothyroid patients’ heart rates are regularly slow. 

By improving cardiovascular tone and flow, sauna use may profit the thyroid by improving blood supply and heart rate. 

Easing Pain

Increased circulation may help diminish muscle soreness, improve joint movement, and ease arthritis pain. 

Pain Relief

Utilizing a dry sauna can leave individuals feeling strengthened. Since the veins relax and widen in a sauna, blood flow increases and the experience can help diminish tension in the joints and mitigate sore muscles. 

Saunas may likewise help those with chronic pain and arthritis. An investigation in individuals with persistent musculoskeletal illnesses including rheumatoid arthritis and ankylosing spondylitis found that sauna sessions improved pain, stiffness, and exhaustion through the span of about a month. 

While all patients revealed some benefits, the improvements were not discovered to be factually significant. The authors suggest that patients with these conditions go through a few trial sessions to see whether sauna use improves their side effects before incorporating it as a component of their treatment schedule. 

Infrared saunas are a decent option in contrast to the warmth and humidity of customary steam and dry saunas. Fitness centres and gyms house saunas. Be that as it may, these facilities may have constraints on when the spa is accessible or there could be a conflict in your timetable.

On the off chance that you need more access, you can bring the spa home. There are numerous compact sauna choices. They offer the capacity to stand, sit, or even lay in. Infrared saunas have promising medical advantages that may perhaps improve thyroid function and the indications that accompany these conditions. 

Things You Need To Know About Plastering Services in Melbourne

The process of plastering goes back millennia.  Plastering is the oldest form of wall decoration in history.  However, with all the development and technology that has occurred over the years, the art of plastering evolved into a profession that’s present in today’s society. Plastering is a skill that one must master before starting their own business, which means they have to undergo years of intense training under another master plasterer before going out on their own.

Plastering services Edinburgh plasterers

Plastering is a job that involves a lot of work these days.  Due to its nature as an ancient task, many believe it to be something simple and easy – after all, doesn’t it just involve slapping some wet stuff on the wall and smoothing it over with a trowel?  However, there is so much more than meets the eye.  Plastering is an art form that requires dedication and patience to ensure that the end look of your work is nothing short of superb.

Plasterers are skilled workers who are responsible for applying plaster on walls, ceilings or any other surface that needs coating.  Their task may be simple – but their skills most certainly aren’t! From choosing the right mixture of ingredients to make plaster for a given surface to lay down the first coat of wet plaster smoothly onto the said surface, plasterers truly have their work cut out for them.

Plasterers choose from several materials when doing their work. These materials include:

– Lime (paste and plaster)

– Cement (plaster and mortar)

– Gypsum (drywall, sheetrock, plasters)

Lime

Lime was the original material used to coat surfaces in ancient times.  It was much harder than cement or gypsum, but it’s much more difficult to utilize today due to sulphur content that causes degradation.  Over time, limestone was mixed with clay to create a softer but durable product known as plaster of Paris. 

This modified type of lime is still widely in use today by professionals everywhere. Lime can be easily distinguished from other materials because it’s slippery when wet and doesn’t stick to a trowel well at all.

Cement

Cement was the next material introduced to plasterers as an alternative to lime.  It’s now widely used in plastering because instead of breaking down, blocks of cement expand and strengthen over time. This increase in strength causes it to become harder than normal (though not as hard as Lime), creating a much longer-lasting coating for walls and ceilings alike.

Cement can be mixed with other materials such as limestone and sand to create different kinds of mortars and plasters, each appropriate for its specific purpose or surface.

Gypsum

Gypsum is another material that has been introduced into the world of plastering and wall making thanks to its ability to bond well with mortar due to its watery nature, which makes laying down the first coat of plaster easy. This material is very light and tends to crumble easily if handled inappropriately, meaning that individuals looking to work with it need to follow the correct procedures.

The major types of plasters are:

Rendered or roughcast

This type is made using cement combined with sand, water, lime or egg white as a binder. It’s used for exterior walls because it can scratch easily due to its rough surface.  It’s also not suitable for direct exposure to weather elements.

Stucco or render

This kind of plaster mix contains more fine aggregate than other materials, which means that there will be less cracking when exposed to extreme weather conditions. If done, stucco can last for more than 100 years.

Skim coat plastering

Using a thin layer of skim coating allows for easy coverage over uneven surfaces by providing the surface with an even, smooth layer.

Peening or hogging

This is performed to create a scratch-resistant finish on walls that need to be free from any sort of damage or wear and tear. This process combines lime putty with sand into a plaster material that’s then layered onto the wall about 7 cm deep, which is then peened down so it becomes almost paper-thin. Once done, the topmost part of the wall is covered in white paint.

Applied finishes

These are commonly referred to as “skim coats”, which are used to give walls their final coating of plaster.

Pointing

This process is done to fix cracks and/or gaps in a wall or ceiling. It involves the use of special pointing trowels, which allows for a smooth finish so no ridges are felt once it has dried out. Pointing is used as a separate process from normal plastering because it needs to be done properly so that cracking doesn’t occur once the entire thing has dried.

Experts advise that any surface that’s been previously pointed should never be plastered over, as this will cause inconsistencies with the wall’s final appearance.

In terms of repair work, plasterers undertake minor to major repairs depending on how bad the damage is on a particular structure or surface. This means they can deal with issues ranging from cracks in plaster walls to damaged ceilings. This means that they’ll have to prepare the surface by removing loose materials, applying for patching work if needed, filling in holes and brushing down with drywall joint compound were required before they’re finished off with spackling paste.

After letting it all dry up completely, plasterers will then use special finishing tools to remove excess paint or plaster off the wall so that an even coat is left behind.

As for the cost of hiring a professional plasterer in Melbourne, homeowners are advised to get 3 quotes per provider before committing to one specific service provider because this allows them to compare what each company has on offer. Hiring several companies at once helps them choose better since comparing different plastering quotes will allow them to find the best value for money.

The role of a professional plasterer can be an invaluable help to those who need it, but it’s important that homeowners only trust the job to qualified and experienced companies if they don’t want shoddy work done that will end up costing more down the line or require repairs even before the original job was finished.

Plastering is such a complex process due to its delicate nature and should only be done by those who know how to handle this material, so anyone seeking advice about where they can turn to should ask friends and family members for references first before considering other options.

If you’re considering having one, try plaster Melbourne