The Subtle Message You Send Out with Your Letterbox
Recently, I had to deliver a hundred leaflets across my neighbourhood, inviting people to discuss the matter of the local government cutting down some of the trees on our street. The sad thing I learned was that generally, people were not interested in this problem. Another thing that I learned was that some of them have really gone a long way in styling and decorating their outdoor spaces. I was quite impressed. What mainly caught my attention and made me think a bit about the different kinds of people in my neighbourhood? Their letterboxes. From old, plain ones, to futuristic and stylish ones, I came across a variety of letterboxes in all colours and materials. I got to confess, this inspired me to replace my old, boring letterbox with a new one that speaks to my personality. Read More
Just Before Sex Life Went Down the Drain Poppers Saved the Day
I’m one of those people who think that in order for a relationship to work, both sides have to be sexually compatible, among other things. And I wasn’t a believer of the sex after marriage myths, as both me and my girlfriend at the time (now wife) had a decent sex life at least a few times a week. But boy was I wrong. After getting married and having two kids, my wife turned borderline asexual. Read More
Relaxation on Hold: Spa Problems I Hired Professionals For
I’m a huge fan of swim spas. After I learned that a quality pool spa can help me kiss my sleepless nights goodbye, relax my tense muscles and joints, and ease my worried mind, I decided to purchase one. It’s true, pool spas are a bit costly, but once I realized that investing in one is in fact investing in my general well-being, I didn’t hesitate to spend a portion of my savings on this wonderful luxury.
When it comes to maintaining my spa, I realized that taking care of one is similar to taking care of a hot tub or a swimming pool. The only thing I do is use certain chemicals and a clarifier to keep the water and the spa clean and safe. Luckily, I haven’t had a lot of trouble with my pool spa so far (hopefully that won’t change in the near future), but I have experienced several common spa problems.
Even though there are many articles on the Internet that give instructions on how to repair certain spa issues, I firmly believe that hiring spa repair technicians is the smarter choice. Read on to find out what spa problems I turned to professionals for.
Heater Failure
Several months ago, I noticed that my spa is having a hard time getting warm. I searched for answers and solutions on the Internet, but I didn’t want to risk making a costly mistake. That’s why I hired spa repair professionals who fixed the issue quickly. I learned that heating problems are usually a result of heating element corrosion. This can be caused by low pH level in the water supply. The technicians I hired informed me that this issue can be easily avoided with proper water chemistry maintenance.
Water Leaks
Water leakage is another common spa problem. Since water leaks can cause electrical shorts, I turned to professionals. They checked my spa for leaky pump seals and inspected the filter. According to them, making sure the filter is clean is the ideal way to avoid leaky sealing.
Loud Noises Coming Out of the Spa
Humming noises coming out of my spa is the third and last spa issue I’ve had thus far (thank goodness). I hired pros for this problem because I read that this isn’t the spa problem I want to repair myself. Loud humming or hammering sounds are signs of a malfunctioning pump. If you too have this issue, make sure to hire reputable service technicians who will determine whether the pump should be repaired or replaced with a brand new one.
Personal Super Contributions: Make Your SMSF Balance Grow Faster
Being able to take complete control over your savings and manage them seems like a daunting thing to do for some Australians, yet others take full advantage of it and reap the benefits in their retirement years. The SMSF is a rapidly growing sector in Australia and more and more Australians choose to set up a self managed super fund. One way to ensure your fund is doing well, is to invest some of your own money in it. This process is also known as personal super contributions, and it doesn’t involve the money that’s cut from your salary.
Simply put, personal super contributions are after-tax contributions towards your retirement, and are considered the surest and easiest way of generating more funds, without having to pay taxes once your fund gets them. However, be wary not to exceed the super cap amount for the year because then you’d be bound to pay taxes.
By investing in your future through an SMSF, you get a peace of mind knowing that after you retire, you’ll be set for the remainder of your years. However, it’s important to abide by the Australian Taxation Office rules if you want to successfully manage your SMSF without making breaches. Breaches are usually followed by financial penalties which is contrary to what you’re trying to do – save money.
As you may or may not already know, every SMSF has to pass the sole purpose test. For those who don’t know what the sole purpose test is – it basically means that you are to use the fund strictly for retirement savings. In other words, you and other trustees cannot use these funds for your own benefits, regardless of whether the fund is based on corporate or individual trustees.
This investment option is especially attractive for self-employed people under the age of 65, who earn less than 10% of employee taxable income, and for people who aren’t working but are still eligible for making personal (non-concessional) contributions.
If you’ve made it this far in the article, but still don’t have a clear idea on how personal super contributions and SMSFs work, then it’s best you talk to an SMSF broker or adviser. These people have the required knowledge and experience on the matter to guide you through the entire process as there are far too many rules and regulations to remember, which if you do not follow, you might end up having to pay fines.
Air Compressors: What Are the Advantages Related to These Tools
Air compressors can be found in a wide array of environments and have an even wider array of uses. You can see them at gas stations, mechanics, farms and even in some homes. They make maintenance tasks easier and allow for professional artistry and creative expression with hobbies. Anyone who has set a home shop is likely to use an air compressor. Whether working with outdoor power equipment, wood, or simply painting your own vehicle, an air compressor can help you get the job done.
