The PRWIRE Press Releases https:// 2019-05-20T23:26:38Z Two Trending Epsom Salt Soaks for Winter 2019 2019-05-20T23:26:38Z two-trending-epsom-salt-soaks-for-winter-2019 The long winter days and cold nights can leave your body feeling tired and sluggish. Now, with the help of Dr Teal’s Pure Epsom Salt Soak range you can wake up feeling refreshed and rejuvenated all year round, giving you the extra love you need in winter. Dr Teal’s has revealed their top two trending variants in the lead up to winter 2019, Ginger & Clay and Deep Marine Sea Kelp. Erica Galea, Marketing Manager at Chemcorp International says, “Dr Teal’s is the perfect way to relax and revitalise the mind and body after a long and stressful day. In winter, the cold can worsen muscle and joint pain. So, by soaking in an Epsom salt bath up to three times a week, you can really notice the benefits this winter! My personal favourite in Ginger & Clay, it smells beautiful and makes me feel beautiful, too.” The healing properties of Epsom Salt combined with soothing essential oils, the Dr Teal’s range can help revitalise tired, aching muscles among many other health benefits, as well as helping to refresh the skin’s appearance. The two top trending products for winter 2019 include: Dr Teal's Pure Epsom Salt Soak with Ginger & Clay RRP $17.99 This soaking solution combines pure Epsom salt with luxurious essential oils to soothe the senses, provide relief from stress and ease muscle aches and pains. Infused with ginger and clay, it will help to detoxify and naturally remove built-up toxins and impurities and increase the body’s natural energy levels to leave you feeling invigorated. Dr Teal's Pure Epsom Salt Soak with Deep Marine Sea Kelp RRP $17.99 Soak in the power of the ocean with this nutrient-rich combination of Epson salt and the nutrient-rich sea kelp. This unique mineral soak helps hydrate and nourish skin and ease muscle aches and soreness. It is also gently fragranced with lemongrass and orange essential oils to create a blissful soaking experience. Simply pour at least 2 cups of Dr Teal's Pure Epsom Salt Soak under warm running bath water and soak for at least 20 minutes. Let the purifying properties of Epsom salt soothe the mind, body and spirit! The Dr Teal’s range is available now at Big W and online. www.drteals.com.au Roseville Sydney CBD Sports Podiatry Recommends Heat And Ice For Foot And Leg Injuries 2019-05-20T22:00:56Z roseville-sydney-cbd-sports-podiatry-recommends-heat-and-ice-for-foot-and-leg-injuries Should You Use Heat, Ice, or Both for Foot and Leg Injuries? The use of heat, ice or both can be an effective first treatment for foot and leg injuries. But many people are unsure about which to use when, and the topic has generated a fair amount of debate. Using the wrong treatment at the wrong time, however, can do more harm than good, and further, prolong recovery time. It’s important therefore to clarify the conditions under which you should apply heat or ice. We spoke to Mark Lin and Wei Lee Sports Podiatrists at Footwork Podiatry in Sydney to find out the facts. RELATED ARTICLE: Roseville Sydney Sports Podiatry Foot Fungal Nail Infections Laser Therapy Solutions Heat increases blood flow "For muscle spasms, heat is your go-to application," says Lin, "Heat increases blood flow to the affected area, relaxes tight muscles and provides pain relief. Heat application can be a very effective strategy for managing chronic injuries." Lee says, "Athletes will often apply heat combined with massage prior to training or a match. This increases blood circulation and allows the muscles to stretch to optimal length. By increasing the muscles’ range of movement, heat and massage prepare the body for the rigorous exercise ahead." "Applying ice to muscle spasms will only further tighten the muscles, compounding the spasm and increasing the risk of further injury," Lin concludes. So when should you use ice? Lin says ice application is very effective for alleviating inflammation and soothing injured tissue. "Inflammation is seen as swelling, redness and tenderness to the touch in the affected area. This is an indication that the capillaries that run through the tissue have been damaged and are leaking blood and other fluids into the area." This damage is what causes inflammation and the use of ice is strongly recommended as a treatment. "It’s important to note that ice should always be wrapped in a cloth or towel before application and not be applied directly onto the skin," says Lee Methods for applying ice and the time intervals for application vary depending on the type of injury sustained. You should, therefore, consult with your practitioner before using ice treatment, to ensure that the injury is treated correctly. Using heat to treat inflammation or an acute injury can increase tissue bleeding and swelling, as heat causes the blood vessels to dilate. When heat is incorrectly used in a situation like this, it will exacerbate the condition and lengthen recovery time. When should a heat and ice combination be used? Lin says a combination of both heat and ice application is only recommended under certain conditions. "In the event of a torn or ruptured muscle, it should first be treated with ice to ease inflammation. Only once the inflammation has subsided can heat be used to relieve pain and speed up healing, by increasing blood flow to the area." "A technique utilising alternate hot and cold baths can be used to resolve inflammation and swelling, but once again it’s recommended that you seek professional advice before attempting this. If done incorrectly, you will run the risk of causing further damage," warns Lin. RELATED ARTICLE: Leading Sydney CBD and North Shore Sports Podiatrist Says Feet Problems Cause Low Back Pain, Footwork Podiatry Footwork Podiatry, situated in Roseville on Sydney’s North Shore and Sydney CBD, is there to help should you have an injury or condition that you think would benefit from heat or ice treatment. They offer advanced manual therapies and a holistic and corrective care approach, with a proven track record of success in resolving acute and chronic conditions, and they will gladly offer advice to get you on the road to recovery as soon as possible. For further information, visit the Sports and Podiatrist Clinic to book online, or call Mark Lin or Wei Lee and their friendly team on +61 2 9416 7889. The information contained in this guide is provided in good faith and is not intended to be nor is it to be used as a substitute for any sort of professional, medical or podiatric advice. An accurate diagnosis can only be made following personal consultation with a podiatrist. Any users should always seek the advice of their podiatrist, or other qualified healthcare providers before commencing any treatment. Syndicated by Baxton Media, the Market Influencers. Discover the secret ingredient to younger looking skin 2019-05-20T01:50:05Z discover-the-secret-ingredient-to-younger-looking-skin Discover the secret ingredient to younger looking skin Ceramide and Vitamin E Skin Oil from Africa Media Release - May 2019 We all want younger looking skin, so it’s never too early to prevent the visible signs of ageing. Thanks to BodyPlus Skin Oil you can now keep those wrinkles at bay to ensure your skin remains looking soft and youthful for longer! CEO of McGloins Supertex Nick Barnes says, “It’s so important to look after our skin no matter what age you are. You can also use it when you’re young to keep skin looking amazing, or when you’re older as the active ingredients ceramide and Vitamin E inject moisture into the skin to help rewind the effects of ageing”. The secret lies within BodyPlus Skin Oil’s active ingredient ceramide, which works to capture and bind moisture to hydrate the skin and reduce the appearance of wrinkles and age lines. BodyPlus Skin Oil is also enriched with Vitamin E, which aids in the prevention of dry and flaky skin. Ceramide has long been used as an anti-ageing agent as it helps repair and rejuvenate the skin’s natural defence barrier to protect the skin and increase moisture retention. Ceramide is found naturally in the outer layer of the skin but ceramide levels decline with age, leaving skin looking tired and dry. Key benefits and various uses of BodyPlus Skin Oil include: Everyday moisturiser Safely treats stretch marks Treats sunburn Lightens dark spots Heals drying fingernails Reverses premature skin ageing Acts as cleansing agent Soothes pain from cold sores Suitable for men and women of all ages Helps to treat eczema BodyPlus Skin Oil works best when applied twice a day for at least three months. High in Vitamin E and Ceramides, use BodyPlus as an intensive face and body moisturiser, bath oil or after sun treatment. BodyPlus Skin Oil is available at Chemist Warehouse, selected pharmacies or online at www.mcgloins-supertex.com.au for an RRP of $19.95. L’Action 2 in 1 Ritual Face Masks 2019-05-20T01:39:05Z laction-2-in-1-ritual-face-masks It’s never been easier to bring the spa treatment into your home with the new range of 2 in 1 Ritual Face Masks by L’Action Paris. With four different nourishing masks in the range, enriched with a combination of unique ingredients to detoxify and hydrate the skin, you can achieve the day spa feeling in the comfort of your home in just 12 minutes! The simple 2-step process works to gently exfoliate and nourish the skin, offering a complete treatment in one easy to use product. Available in four different treatments, each product contains an exfoliating scrub and a hydrating mask suitable for all skin types. Simply apply the scrub and rinse off then follow with the mask for velvety smooth skin! L’Action Paris Ritual 2 in 1 Mask Hydrating Spa Ritual – RRP $5.95 – The creamy scrub is enriched with minerals and sea salt from the Iroise Sea to cleanse the skin and eliminate impurities. The mask contains white clay, Shea butter and sweet orange essential oils to regenerate and capture moisture. Cocoa Soothing Ritual – RRP $5.95 – Enriched with cocoa shell powder and orange peel powder, this scrub delivers gentle exfoliation and promotes skin protection. The mask contains Shea and cocoa butter to effectively improve the skin’s moisture levels and boost skin elasticity. Coconut Nourishing Ritual – RRP $5.95 – Specially formulated for dry skin, this nourishing scrub contains coconut shell powder and sunflower oil to eliminate dead skin cells and prevent dehydration. Enriched with coconut oil, the mask will leave your skin feeling intensely smooth and moisturised. Detox Spa Ritual – RRP $5.95 – Infused with Chinese green tea leaves, this scrub will detoxify and protect your skin by eliminating toxins to reduce the visible signs of ageing. The mask is enriched with castor oil to leave the skin feeling purified and soothed. Currently sold in over 40 countries on four continents around the world, there are over 50 different products that are available in Australia. All products in the collection include natural active ingredients, are developed in their Paris laboratory, are dermatologically tested and are NOT tested on animals. The L’Action Paris 2 in 1 Ritual Face Masks are available online: www.mcgloins-supertex.com.au @lactionparis_au Investor and Property Acquisition Tax Investment Specialists TLK Partners Sydney 2019-05-19T22:00:28Z investor-and-property-acquisition-tax-investment-specialists-tlk-partners-sydney Does Cash Rule When Buying Investment Property? When considering how to pay for an investment property a number of factors have to be taken into account. One of the toughest is deciding whether to pay in cash or take out a loan or mortgage to fund it. According to TLK partner Matthew Mousa in Sydney, it’s very much a case of choosing which hat fits best for achieving the long term goal behind the property investment, will be most comfortable in the long-term, and keep its shape whatever the weather. When the Numbers Count Choosing the wrong payment could prove disastrous for any of those 1 in 10 Australians who own investment properties. But it is especially tough on three out of four, or close on 75%, of those investors, who own only one. These include young Australians trying to get a foot in the property ownership door while renting elsewhere. But mostly they are made up of mothers and fathers looking to build a retirement nest egg, and who choose (or can only afford) to put all their eggs in a single investment property basket. Their savings and financial futures are tied up in this one-time purchase, and its failure as an investment could be disastrous. RELATED ARTICLE: NSW CGT Chartered Property Tax Investor Accountant TLK Partners Kingsgrove Sydney The When’s and Why’s of Paying Cash Those that pay cash face less stress should the rental market experience a downturn, there’s a recession, or the investor has a minor cash flow hiccup. With a fully paid and operating rental property, there’s always the security of a rental income, even if it has dropped due to these outside forces. Full ownership also keeps open the option to live in it, or the choice to sell it to raise capital. And, best of all there is no need to pay loan or mortgage repayments when the cash flow is taking a knock. Cash also talks loudly when it comes to buying the property in the first place, improving chances of finalising a deal quickly, and getting a bargain in the process. And it cuts down on the frustrations and time involved in negotiating a mortgage or loan. However, Mousa warns that paying cash for the property carries huge risks. It only works if the investor is able to pay for it and still have a large enough left over balance, to maintain the property, pay the necessary levies and taxes, ride the ups and downs in the rental sector, and cover other unexpected expenses such as those spells when the rental stands empty. RELATED ARTICLE: Property Tax Wealth Advice Accountants Kingsgrove Sydney by Expert Matthew Mousa TLK Partners When Mortgages And Loans Fit Best While there can be no choice but mortgages and full or partial loans when an investor does not have access to the amount of cash needed to pay the full purchase price. But they can also be the best choice when the balance after the cash purchase would not be high enough to cover all contingencies. But mortgages and loans have other advantages. They maintain asset liquidity, allowing access to assets when needed, and removing the need to raise a home equity loan against the property during tough times. And they also provide financial leverage because, should the property’s value rise, the return on investment is higher. This is because the increase in value is measured against the amount of cash invested as a deposit, rather than the much larger investment made when an investor paid the full purchase price in cash. Mousa points out that when it comes to choosing to finance for a long term investment like property, it can prove to be both time-consuming and frustrating. The pros and cons, and expert advice such as that provided by TLK Partners' property acquisition division, need to be taken into account before an investor, and particularly a first-time one, makes a decision. RELATED ARTICLE: Investment Property Acquisition CGT Tax Expert Matthew Mousa of TLK Partners Kingsgrove Sydney TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Adviser are financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. Property Investors Split Income Advice Chartered Accountants Sydney NSW Are Investor and Property Acquisition Investment Specialists 2019-05-19T22:00:12Z property-investors-split-income-advice-chartered-accountants-sydney-nsw-are-investor-and-property-acquisition-investment-specialists Property co-owners and the income split When two or more investors own a rental property together, whether it is rented out all year round or only part-time, the division of rental income is defined by the legal interest that each owner has in the property. Property acquisition and tax expert Matthew Mousa of TLK Partners explains the two different categories this legal interest fall under. Is the legal interest as joint tenants or tenants in common? Co-owners who are Joint Tenants divide the income and expenses related to that property on an equal 50/50 basis. The interesting point to note here is that division of income and expenses in terms of legal interest overrides any verbal or written agreement that the two owners may have. “It is irrelevant if one is earning more than the other and would like to incur fewer taxes by claiming a greater proportion of the rental loss,” Matthew explains. “The division must be in terms of legal interest.” Co-owners who own the rental property as Tenants in Common may have an unequal legal interest in the property, for example, a 30%/70% split. “If this is the case, you would then divide the income and expenses related to the property in terms of your legal interest, in this case, 30% and 70%, again regardless of any other agreement you might have made with the other owner.” Anyone unsure of whether they fall into the category of Joint Tenant or a Tenant in Common should reference the title deed to clear up the matter. RELATED ARTICLE: Private Investors Property Income Has Tax Implications Says TLK Partners Expert Matthew Mousa When is an investor considered to be running a rental property business? Matthew explains that the tax man considers someone to be an investor who is not necessarily engaged in a rental property business, as long as the person doesn’t spend an inordinate amount of time engaged in rental property activities, doesn’t co-own very many properties, and doesn’t derive their income exclusively from the rental property. If someone is deemed to be in the rental property business, the agreement between the partners takes precedence over the legal interest in the properties. The income and expenses associated with the business must be divided in terms of the partnership agreement. RELATED ARTICLE: Superannuation Tax Estate Planning Private Wealth Financial Planning Sydney TLK Partners "Investor's trust TLK Partners to advise them of the best legal structures to maximise their return on investment," Matthew concludes. TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Adviser are financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. Financial Expert Thomas Mousa Says Election Outcome A Win for Business 2019-05-18T22:21:47Z financial-expert-thomas-mousa-says-election-outcome-a-win-for-business Morrison Answers Business Owners Prayers NLP leader and devout Christian, Scott Morrison, had his prayers answered last night in an election victory of biblical proportions. The shock win has been described as a ‘miracle’ by Australian political commentators, which saw the NLP defy the polls with major swings in Queensland and Tasmania ending opposition leader, Bill Shortens, political career. “I believe in miracles,” Morrison said in his victory speech. While the win may not appear to be in the same league as ‘David and Goliath’ or ‘Noah’s flood’, but for the majority of Australians and business owners, it just may be. We asked financial expert Thomas Mousa, director and partner of Sydney based TLK Partners, to comment on the effects of the NLP’s win for businesses. The NLP’s primary election policy was tax cuts. Tax cuts will provide tax breaks for more than 10 million Australians and simplify the system by removing the 37 per cent tax bracket entirely. “The implication for business is simple, lower PAYG tax implications as the tax brackets are adjusted,” Mousa said. The measures will cost the Treasury $158 billion over 10 years. “From July 2022, the government will raise the 19 per cent tax bracket from $37,000 to $45,000 and from July 2024, the plan is it will reduce the 32.5 per cent rate to 30 per cent and do away with the 37 per cent rate,” Mousa says. “Ultimately, this will make a flat 30 per cent tax rate for anyone earning between $45,000 and $200,000, which is a much-simplified tax system,” Mousa stated. The NLP’s simulations demonstrate a worker earning $200,000 a year will get a tax cut worth $11,640 compared with $1205 for someone earning $50,000 a year. Either way, the outcome for businesses is a win for cash flow. RELATED: TLK Partners Kingsgrove Aged Care, Financial Assets Specialists and Wills Retirement Experts Explains Estate Planning in Sydney Another key election promise of the returning government for business is an Instant asset write-off. Businesses with revenue greater than $50 million can write-off assets against their taxable income. Previously, businesses with revenue greater than $10 million were excluded from the scheme. The NLP has also increased the threshold from $20,000 to $25,000. Medium businesses stand to benefit more from the new expanded instant asset write-off than their smaller counterparts who are required to elect to use simplified depreciation to access the write-off. Mousa comments, “This is great for medium-sized business, however, a small business entity that does not elect to use simplified depreciation may be excluded from accessing the instant asset write-off both under the small business and medium-sized business definitions.” “A more beneficial change for small business owners would perhaps have been to extend the instant asset write-off to all small business entities irrespective of whether they elected to use simplified depreciation for small business or not,” Mousa says. RELATED: TLK Partners Sydney, NSW Aged Care and Financial Income Protection Expert Delivers Investors Tax Wealth Clients Warning to Australian Investors "Business owners trust TLK Partners to steer them in the right direction and to assist them in maximising their business assets," Mousa concludes. Political pundits are praying that Scott Morrison, having now won the vote of Australians in his own right, will have a period of political stability as Morrison is the seventh Australian Prime Minister in 11 years. And the people said, "Amen." TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Advisersare financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, and it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. Property Tax Admin Deductible Accountants Sydney NSW Are Investor and Property Acquisition Investment Specialists 2019-05-18T22:00:56Z property-tax-admin-deductible-accountants-sydney-nsw-are-investor-and-property-acquisition-investment-specialists Property Tax: What admin fees can be claimed? Continuing its focus on immediately deductible expenses with regard to rental properties and tax, Matthew Mousa, tax expert and partner at TLK Partners in Sydney, takes a closer look at some of the administrative expenses rental owners can deduct immediately. RELATED ARTICLE: How Part-Year Rentals Affect Property Investors Tax Claims Says TLK Partners Expert Matthew Mousa Corporate body fees and charges Matthew explains that body corporate fees and charges are normally split into two different categories i.e. fees for day to day administrationas well as a general purpose sinking fund, and maintenance and contributions to a special purpose fund. “Rental property owners are allowed to claim for fees used by the body corporate to administer and maintain the rental property, as they can reasonably be considered legitimate expenses in maintaining the rental property and improving the generation of rental income,” Matthew says. Likewise, contributions to a general purpose sinking fund are permitted, as the general purpose sinking fund is used by the body corporate to fund maintenance of a capital nature of the common property. Examples of this use would be the repainting of the common property. However, contributions to a special purpose fund, generally assumed to be used for additions and renovations to the common property of a capital nature, are not claimable as deductions, Matthew warns. “In this case, owners would only be able to claim contributions to this fund under the capital building works regulations according to which deductions are usually spread over a period of several years.” Lease document expenses Costs incurred during the preparation, registration and stamp duty on a lease agreement are deductible in relation to the use of the rental property for rental income. This also applies to the surrender of a lease in areas of Australia where most property is held from the crown on a 99-year leasehold. Property agent’s fees and commissions Owners of rental properties are allowed to claim any fees and commissions charged by a rental property agent or manager for the management and inspection of the property, and for the collection of rent on their behalf. They are not, however, allowed to claim for expenses charged by an agent for the acquisition or sale of the rental property. "As stated earlier, all these expenses are viewed as immediate, and owners are allowed to claim them in the year they were incurred," Matthew concludes. RELATED ARTICLE: Impact Of ALP Tax Change Proposals By Aged Care, Estate Planning and Private Wealth Management Accountant Financial Expert Thomas Mousa of TLK Partners In Sydney TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Adviser are financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. Melbourne Arborist Vegetation Management Expert Specialist James O'Brien Tree Removal OBTrees Stump Removal Pruning Victoria 2019-05-17T22:00:53Z melbourne-arborist-vegetation-management-expert-specialist-james-obrien-tree-removal-obtrees-stump-removal-pruning-victoria All about backyard fruit trees One of life’s greatest simple pleasures must surely be picking and eating fruit straight off the tree, and better yet, your own trees. While once most people had at least a couple of backyard fruit trees, these days fewer people are growing them. Often this is due to a lack of space, or an aversion to the mess of fallen fruit. But there are ways around these issues, and plenty of good reasons to plant fruit trees. Community fruit and nut trees used to be highly valued as providing a core part of people’s diets, and a valuable supplement in times of seasonal scarcity. Planting fruit trees is a good move towards community food security, for both current and future generations. And it's not only people that benefit - bees, butterflies and other pollinators will value the pollen and nectar of the flowers. Bees especially like apple and peach trees, as well as blackberries, raspberries and strawberries. Consider at least two trees of the same variety, as well as some herbs and wildflowers to create a haven for some very happy bees. Fruit trees also attract other insects and caterpillars that are an essential food source for birds. Picking the fruits of your labours might also not take as long as you think - using grafted fruit trees, you could be seeing your first harvest within two to three years for most varieties. And a great idea for small spaces is multi-grafted trees or multi-planting (where up to four different fruit trees are planted in the same hole) - this way you’ll be getting a range of fruit and cross-pollinating varieties, a veritable fruit salad tree! Another excellent option for growing fruit trees in a small space is to use the espalier form, which is the ancient horticultural practice of controlling plant growth by pruning and tying the branches in such a way that they grow into a flat plane, usually against a structure like a wall, fence, or trellis. Deciduous fruit trees are also often available as dwarf trees, reaching only 3m in height, and can be grown in a large pot if they are pruned well. Fallen fruit should be picked up as soon as possible and either used up or composted. If you have the space for a few chickens, let them run under the trees, and they’ll soon take care of any windfall. Avoid waste by diligently picking off ripe and near-ripe fruit. Australian expert arborist, James O’Brien of OB Trees, is passionate about growing trees of all kinds and has extensive experience in fruit tree management and pruning as well as tree removal, vegetation management and landscaping. “With the largely temperate climate we enjoy in Melbourne, plenty of fruit tree varieties can flourish here. Planting fruit trees requires a bit of planning, and you need to know how big the tree will get to ensure you have enough space, as well as which direction it faces to ensure the area gets enough sun. Most fruit trees prefer a full days sun if they can get it, as well as a wind-protected spot. Deciduous fruit trees such as apples, plums, nectarines, peaches and pears require pruning and shaping to maximise fruit production, to ensure a good size crop and to keep the trees healthy. They may also need a cross-pollinating tree to be planted nearby,” says O'Brien. Whether you have existing fruit trees that need pruning or are just starting out with planting fruit trees in your garden, OB Trees can assist with their professional expertise and friendly service. OB TREES Arborist and Vegetation Management Specialists service southeast Melbourne suburbs. And specialise in professional tree care, providing fast, simple solutions for all your pruning, horticultural and landscaping needs. The team are fully qualified, insured arborists with years of hands-on experience in everything from tree pruning, removal and preservation to hedge trimming, risk management and tree obstruction resolution. For further information visit OB TREES Arborist and Vegetation Management Specialistsor call their friendly team on +61 435 912 457 Syndicated by Baxton Media, the Market Influencers. Property Tax Deductible Accountants Sydney NSW Are Investor and Property Acquisition Investment Specialists 2019-05-17T22:00:10Z property-tax-deductible-accountants-sydney-nsw-are-investor-and-property-acquisition-investment-specialists Property Investor Advice: Interest, Land Tax and Other Deductibles In examining immediate deductions associated with rental properties, TLK Partner and property acquisition tax expert Matthew Mousa takes a closer look at certain areas like interest, council rates, land tax, legal expenses, tax-related expenses and mortgage discharge expenses. Interest on loans The interest charged on a loan raised to acquire an investment rental property is deductible. If, however, the owner changes his mind and decide to use the property for personal use, they can only deduct the interest charged on the loan until their intention for the property changed. “As long as the property is rented, or available for rent, you can also claim the interest on loans used to purchase depreciating assets, repairs and renovations,” Matthew clarifies. “The deduction applies from the time you take out the loan, even if you use the loan to finance major renovations on a property you intend to rent out to tenants when the renovations are complete.” As of 1 July 2019, Australian investors will lose the right to claim all expenses, including interest, associated with the holding of land intended for income producing assessable future income. "It's referred to as an 'integrity measure’ to be introduced to wipe out fraud, whereby investors had been claiming the deduction of interest on land that had not ultimately been used by that investor as an income-producing asset," Matthew explains. However, most banks in Australia offer loans that can be used to buy a rentable property and, at the same time, get a new car. In this scenario, he says, property owners may only deduct the proportion of the interest on the loan used to buy the property - the interest charged for the section of the loan used for buying the car may not be deducted. RELATED ARTICLE: CGT TAX Accountants Sydney NSW Are Investor and Property Acquisition Investment Specialists Land tax The critical thing about land tax deductions involves the time-period for which the owner is liable for it. “This is not dependent on when you submitted a return, or when the tax office issued an assessment. Instead, it involves a strict relationship between what tax year the liability occurred in, and what year’s rental income it can be deducted against. These two must match completely,” Matthew says. The timing of land tax liability differs from state to state. In many states, the liability is for the period during which the owner used the property to generate rental income. “A land tax assessment can be made, and an arrears land tax assessment issued, but this might not be done in the same year during which you were renting the property out to tenants,” Matthew explains. If an owner receives an arrears land tax assessment and pays the arrears, the land tax deduction must be against the rental income for the same year the arrears tax assessment in which it refers. So if the arrears assessment refers to rental income earned in 2017, an owner can only deduct it against that year’s income, even if the assessment was only issued, and paid, during 2019. If the investor sells the property, and there is a land tax adjustment, the owner will need to declare the amount they get back as an income for the year in which this pay-out is received. Legal expenses Matthew says, legal expenses are deductible for the costs incurred for evicting a non-paying tenant; the legal fees for court action for loss of rental income; and defending damages claims for injuries to a third party incurred on a rental property. Other legal expenses relating to the purchase or sale of the property and defence of a title deed, are deemed of a capital nature and so are not deductible. Mortgage discharge expenses Mortgage discharge expenses generally involve penalty interest payments for discharging, or paying off, the mortgage early. This penalty interest is deductible if a mortgage secured the money loaned to purchase the rental income property, and the owner’s ability to pay the mortgage off would be affected by the inclusion of penalty payment for doing so. Matthew says, "The mortgage discharge expense is also deductible if the penalty interest payment was made to free the taxpayer of having to continue to pay interest on the loan." RELATED ARTICLE: Sydney Aged Care Property Acquisition Tax Expert Explains Why Property Owners Claim On Borrowing Expenses Matthew Mousa of TLK Partners Sydney "Investors must maximise their investment portfolio, and the best way to do that is by leveraging legal taxation deductibles, that is our daily occupation," Matthew concludes. TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Adviser are financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. Property Acquisition Investor Aged Care Investment Financial Planners Sydney NSW 2019-05-17T06:56:08Z property-acquisition-investor-aged-care-investment-financial-planners-sydney-nsw How to Make your Investment Property Work For You Traditional property investment may hinge on the long-term returns it brings in terms of capital growth. But for many Australian investment property owners, the short term returns provided by rental properties are their reason for buying the property. They don't have the time or money to wait for the property value to grow and provide capital gains. But for a rental to be successful, and that rental income to flow, the property has to be operational and occupied as soon as possible, says Matthew Mousa, TLKPartners’ financial and property acquisitionadviser. Why Australians Invest in Property Investment properties account for more than a quarter (or 2.6 million) of Australian dwellings, and most are individual investments. The owners' reasons for investing in the first place are varied. But the most common one according to close on 80% of 1,000 survey respondents was, “I want to set myself up financially for the future”. Other popular responses claimed it was more beneficial than shares, tax benefits, retirement preparation, and negative gearing, in that order. A far smaller 33% cited capital gains as the reason for investment. Yet more than half their owners are claiming losses on their tax returns. RELATED ARTICLE: Millennials Investment Property Advisor Chartered Accountant TLK Partners Kingsgrove Sydney Open for Business Immediately Mousa says that tenants are the lifeblood of property investment, and determine its success or failure. However, many first time investors seemed to be unaware of the urgency to get the property running and occupied. Instead, they are spending too much time (and money) on unnecessary renovations and touch-ups or beautifying the premises in the belief that this is necessary to attract the right tenant. Instead, Mousa says the most crucial requirement is that the property is available, it's in good condition, and it is clean, safe and functional. Unnecessary extras and frills are unlikely to push up the rent, and may even be a deterrent should potential tenants not feel at home with the style. He says the vacancy rate in the area largely controls the rental rate and advertising spend, and the number of tenants looking for a home. And the type of tenant a property attracts is mostly governed by its location. Unless a low vacancy rate replaces choice with desperation, tenants will opt for rentals in areas which provide security, ease of access, and convenience. Students will look for a place close to the university, and office workers will want the shortest commute to work. Families, on the other hand, will probably opt for a house close to schools, shopping centres and hospitals. RELATED ARTICLE: Impact Of ALP Tax Change Proposals By Aged Care, Estate Planning and Private Wealth Management Accountant Financial Expert Thomas Mousa of TLK Partners In Sydney Keeping the Property Working Post-occupation maintenance of the property is vital, according to Mousa, both for the owner and the tenant. If maintenance is handled correctly and timeously, it can encourage good tenants to stay long-term and provide a stable rental stream, instead of packing their bags and leaving which could result in a break in the income flow until another tenant is found. And proper maintenance will not only keep the property in shape and the tenant happy, but it will prevent its market value from sliding down. For maintenance to be kept up to date, a capital budget is needed, preferably amounting to about 5% of the annual rental income. This is to cover the costs of small projects like replacing blinds, gutters, smoke alarms and so on, as well as bigger ones that arise less regularly, like a bathroom or kitchen, refurbishment, painting the property, or replacing an appliance like a stove or fridge. RELATED ARTICLE: Private Investors Property Income Has Tax Implications Says TLK Partners Expert Matthew Mousa Think Long Term Finding the right tenant, one who pays the rent regularly and on time, who keeps your property clean, and doesn’t cause a nuisance, may seem like a dream come true for a property investor. But keeping one is even more important, says Mousa. Making the tenancy work for the owner involves having the right background checks and systems in place when choosing a tenant, so as to protect the rental business and income. Making it work for the tenant calls for the owner to provide them with a comfortable home on a well-maintained property, be consistent and professional, charge a market-related rent with reasonable increases, and attach fair terms and conditions. "Property investors trust TLK Partners to steer them in the right direction and to assist them in maximising their return on investment," Mousa concludes. TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Advisersare financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, and it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. Roseville Sydney CBD Sports Podiatry Cures Runners Of Achilles Tendinitis, Runners Knee 2019-05-16T22:00:08Z roseville-sydney-cbd-sports-podiatry-cures-runners-of-achilles-tendinitis-runners-knee How to stay free of pain and injuries as a runner Running continues to gain popularity as a form of exercise, and for good reason - it’s an effective antidote to the modern sedentary lifestyle, it doesn’t require any special equipment and it delivers a dopamine boost. But on a far less happy note, statistics show that nearly 80% of all runners are injured every year. The repetitive force involved in running can put immense strain on the feet and legs, causing a number of common injuries. Mark Lin, the Principal Sports Podiatrist and Director for Footwork Podiatry, comments, “We see a lot of runners at our clinics, located in Sydney's CBD and Roseville, with various injuries - these are often due to not warming up properly and too rigorous a training schedule. Yes, fitness is important, but the joints of the feet and legs absorb a lot of impact during running and it’s vital to give them a rest. Conditions like Achilles tendinitis are very common, this occurs when the tendons connecting the heel to the lower leg muscles become inflamed. This can be caused by improper footwear, tight calf muscles or having naturally flat feet and can be avoided to some extent by a proper stretching and strengthening programme of the calf muscles. Runners knee, or Patellofemoral pain syndrome, refers to pain in the front of the knee and around the kneecap, and is generally caused either by maltracking of the kneecap and/or overuse from vigorous exercise.” Other conditions that runners can suffer from are Morton's neuroma, Metatarsalgia, Metatarsal stress fractures, Shin splints, plantar fasciitis, calf muscle strain or tear and ankle sprain. Morton's neuroma -a painful condition that occurs as a result of the thickening of the tissue surrounding one of the nerves leading to the toes. Shin splints -amongst the most common of running injuries, this occurs when the muscles, tendons, or the fascia covering the shinbone become inflamed and sore. Metatarsalgia -characterised by painful inflammation in the forefoot (ball of the foot) as a result of increased pressure in this area. Metatarsal stress fractures - tiny cracks in the bone, these are a sure sign of too much repetitive force on the leg bones. An occurrence of any of these conditions is an indicator that there are some biomechanical issues going on that have put the feet and legs under too much strain, and seeing a sports podiatrist is recommended. Footwork Podiatryoffers a range of alternative, non-invasive, and safe treatment techniques to treat the above conditions, along with specifically prescribed exercises to relieve symptoms as well as retraining the feet and legs to run in a more efficient pattern Foot mobilisation is a ‘hands-on’ treatment technique that diagnoses and corrects misalignment of the foot and ankle. It increases the range of joint mobility, improves proprioceptive feedback from the feet and reduces ‘pain messages’ sent to the brain by stimulating the joint mechanoreceptors. Active Release Techniques removes the build-up of scar tissue that occurs when the body tries to heal itself from an injury. Accumulation of scar tissue restricts the muscle from movement, causing it to becomes both shorter and weaker. The increased tension on tendons causes tendonitis, and nerves can become trapped. ART® provides lasting relief for repetitive strain or overuse injuries and the technique is suitable for anyone, including from children, athletes and the elderly. Low-Level Laser therapy (LLLT) is another effective treatment for a soft-tissue injury. Laser treatment penetrates deep into the tissue causing a photochemical reaction at a cellular level. This metabolic change is highly effective in stimulating tissue repair and relieving pain, and the treatment dramatically shortens recovery time and rapidly reduces swelling and inflammation. “At Footwork Podiatry, we incorporate laser therapy into our treatment protocols to promote and accelerate tissue healing of a wide range of acute and chronic lower limb conditions. Combined with other corrective care treatments, such as Foot Mobilisation Techniques and Trigenics®, we address the underlying cause of the problem for long-term results. LLLTis non-invasive, eye-safe, totally painless and often immediately analgesic,” says Lin. Footwork Podiatry takes top-quality care seriously and is your go-to source for any running related injuries. Find them in two convenient locations, in Roseville on Sydney’s North Shore and Sydney CBD. For further information, visit the Sports and Podiatrist Clinic to book online, or call Mark Lin or Wei Lee and their friendly team on +61 2 9416 7889. The information contained in this guide is provided in good faith and is not intended to be nor is it to be used as a substitute for any sort of professional, medical or podiatric advice. An accurate diagnosis can only be made following personal consultation with a podiatrist. Any users should always seek the advice of their podiatrist, or other qualified healthcare providers before commencing any treatment. Syndicated by Baxton Media, the Market Influencers. Millennials Investment Property Advisor Chartered Accountant TLK Partners Kingsgrove Sydney 2019-05-15T22:00:58Z millennials-investment-property-advisor-chartered-accountant-tlk-partners-kingsgrove-sydney Rent or buy? Australian Millennials Face Tough Property Choice Millennials born into an Australia regarded as a country of home-owners, picket fences, and 20 to 40 employment tenure, have found themselves in a quandary when deciding whether to follow in their parents’ footsteps into home ownership. But TLK Partners’ wealth planning adviser Matthew Mousa, says a growing number of millennials are starting to realise they can mix the best of the old and the new by taking an “investment now, home later” approach to buying a property and getting someone else to help pay their way by renting it. Struggling to Keep Up With the Pace Now in their early 20s to late 30s, the millennials born in the dying decades of the 20th Century have found their lives, like the world they live in, changing at a pace that has affected where they live and how long they will live there. Caught in a 21stCentury world of bills, insecure job markets, soaring property prices and the growing need for larger mortgages and bigger deposits, increasing numbers have abandoned the previous generation’s dreams of long-service watches and lives spent in one place. Instead, they chose to follow (and live close to) the money, no matter where it took them, and how often it did so. And they stuck to that decision even when it meant becoming permanent renters. Mousa said this led to a ‘deal with it tomorrow attitude’ to long-term wealth planning in general, and housing in particular. However, according to the NSW wealth planner, millennials are now warming to the idea that they can benefit from property investment by swapping their perma-renter status for that of a perma-vester. Millennials Making Property Work for Them Millennials compelled by their careers to stay in urban areas with soaring rents are looking into the option of buying cheaper and smaller properties than those their parents’ bought. They are choosing locations outside the city centres or in rural areas and renting them out for returns that will help pay their own rent in the city, fund their lifestyle or contribute to mortgage payments. Mousa said that although property prices dropped by an average of 2,4 per cent (or a staggering $133 billion) in Australia towards the end of 2018, particularly in the country’s largest cities like Melbourne and Sydney, most investors still see property as a good investment option. Prior to this dip, figures tracking the Australian housing market over the last quarter century showed that house values enjoying a 6.8% growth rate, rising by an average of 412% during the period to over $450,000 from just over $100,000 in 1993. And if it keeps going that way for the next quarter century, house values could reach an average price of $2.9 million. And if it doesn’t, the recent drop in prices might open the door to young investors like the millennials entering this investment arena in greater numbers, before prices start to rise again. "Investors of any age and at any stage of their lives require solid advice, and that is what we provide," Mousa concludes. Related Article: Property Tax Wealth Advice Accountants Kingsgrove Sydney by Expert Matthew Mousa TLK Partners TLK Partners Wealth Management Companies Kingsgrove, Beverly Hills | Tax Accountant & Agent | Property Advisers are financial management, retirement planning and wealth advisers serving enterprises and private individuals who hope to take care of their future through sound financial management. Visit their website or contact them at (02) 8090 4324 for an appointment to discuss your financial management and investment needs. This material is of a general nature only, and it does not take into consideration your financial circumstances, needs or objectives. Before making any decision based on this content, you should assess your own circumstances, seek professional advice or contact our office to be directed to the appropriate professional. Whilst all care has been taken in presenting the material neither TLK Partners or its associated entities guarantee that the material is free of error and, the information may have changed since being published. Syndicated by Baxton Media, the Market Influencers. 1000 HOUR Sponsors Tigerlily Show @ MBFWA 2019 2019-05-13T06:18:32Z 1000-hour-sponsors-tigerlily-show-mbfwa-2019 1000 HOUR sponsors Tigerlily’s first Fashion Week in 17 Years Get the look from Tigerlily’s comeback Mercedes-Benz Fashion Week Australia 2019 Show Media Release - May 2019 1000 HOUR, the iconic Australian brand behind some of the most sought after and innovative DIY beauty staples, including the ever-popular artificial lashes, graced the catwalk at one of the most highly anticipated shows at Mercedes-Benz Fashion Week Australia, in Sydney this afternoon. On the eve of Tigerlily's 20th Birthday and comeback show; models were sporting dainty and natural looking 1000 HOUR Eyelashes by 1000 HOUR Lash Director Melanie Burnicle – in collaboration with Makeup Artist Lara Karamian for Lancôme this fresh natural sun kissed look was created for the show. Tigerlily shares the same youthful curiosity as the 1000 HOUR brand. Tigerlily CEO Chris Buchanan said, "Tigerlily is one of Australia's most admired and respected brands. At Fashion Week, we will be presenting a more elevated apparel offering - think linens, silks and luxe fabrications, new swim silhouettes with classic Tigerlily prints. We’re proud to be supported by iconic Australian DIY beauty brand, 1000 HOUR, as our lash sponsor for such a special show for Tigerlily.” The show’s 1000 HOUR Lash Director and Makeup Artist Melanie Burnicle said, “My secret to creating a natural look for Tigerlily’s show was 1000 HOUR's individual lashes. I love working with Australian brands and 1000 HOUR lashes are easy to apply especially in a fast paced environment like backstage. The lashes are great for creating anything from a fresh faced day look or adding a some fabulous drama to your makeup.” Melanie’s step-by-step how-to and top tips to create the natural lash look sported on the runway today: Step 1 - Curl your lashes Curl your lashes! This helps to create a base for the false lashes and allows for a seamlessly natural look. Doing this before Mascara helps to protect your lashes from breakage. If you choose to curl once mascara is applied be very gentle and careful on releasing lashes as mascara will stick the lashes to the curler. Step 2 - Apply mascara Apply mascara before applying false lashes. This helps create structure and allows you to better judge the placement of the individual lashes especially for the natural look. Mel’s Tip: Re-applying mascara at the end of the process will add more drama to the look. Step 3 - Prep individual lashes Apply a small amount of lash glue to the back of your hand and allow it dry a little (this means you don’t need to sit still for as long waiting for it to dry on the eye) and line up the Individual lashes close to the glue so you can see what you are working with. Mel’s Tip: If you need to, trim the individual false lashes before applying to ensure they aren’t too much longer than your natural lashes. This will help the false lashes to blend, creating a really natural look. Step 4 - Use tweezers to apply each lash Use tweezers so you can angle the lash application and help you to place the lashes flat into your lash line. Remember to make sure that the lashes don’t sit higher on the skin. If so, they will be visible especially in a natural makeup look. Mel’s Tip: Remember to look at your eye shape as most eyes aren’t symmetrical, so you may need 3 lashes on one eye and 4 on the other. If your brows sit low, don’t add too much length in the lashes you apply on inner corners as it will create a smaller eyelid. If your eyes are very round, don’t apply lashes right on the outer corner as it will follow your eye shape and drag the eye down and not lift it up for a youthful appearance. 1000 HOUR Individual Lashes are available in two styles Short to Medium and Medium to Long RRP $9.49. 1000 HOUR's range of false lashes are available in Priceline stores nationwide or online at www.1000hour.com.au ABOUT 1000HOUR: This iconic brand has been in the beauty business for over 25 years and is well known for high quality products by makeup artists and beauty lovers alike. 1000HOUR boasts product collections ranging from the ever-popular Eyelash and Eyebrow Dye Kits to false lashes, hair colour mascaras and DIY beauty tools to enhance your at-home beauty routine. The name was based on the brand’s launch product that provided a DIY tinting solution that lasted up to six weeks or 1000 hours – the lifespan of a lash. For further information, images or product samples, please contact 360 PR: Rachel King – 0434 820 542 – rachel@360pr.com.au HIIT Sessions Are Now A Stand-Alone Training Program 2019-05-08T23:58:37Z hiit-sessions-are-now-a-stand-alone-training-program HIIT SESSIONS ARE NOW A STAND-ALONE TRAINING PROGRAM Wednesday, May 2019 Driven by member and consumer demand, Step into Life has launched HiiT sessions as a stand-alone program. Members can now integrate the popular session into their weekly routine. “Previously HiiT sessions have been built into our annualised training calendar as a periodic program to create all-round fitness conditioning for our members says Greg Shilo, dual venue operator from Step into Life Heidelberg & Ivanhoe. Fitness experts know that bodies get stronger in the recovery period after the workout, not during it. At Step into Life, we alternate periods of low, moderate and high-intensity exercise to ensure that our members properly recover, minimise injury and achieve their fitness goals. "HiiT workouts have been gaining rapid popularity for several years," Greg continues. "People love HiiT for a number of reasons. First, it is an effective fat loss session due to its short, intense bursts of exercise that will significantly increase your metabolic rate for hours after completing your workout. Second, these types of session are completed in around 30mins (excluding warm-up & cool down), so it’s a quick. Everyone is time poor, so more and more people are integrating a quick and intense session into their weekly workout, rather than have no exercise at all. Third, HiiT is an adaptable training style that maximises diversity. It can be adjusted to your desired duration and applied to any type of training format. For example it can be done with or without equipment, in a specific training style like boxing or strength and the interval length can be altered to modify the overall intensity of a workout to suit fitness capabilities.” HiiT is a convenient, effective exercise option to help you achieve your fitness goals and take a big step toward cardio health. “Step into Life members have loved our HiiT sessions for many years and we are evolving to meet fitness trends and consumer expectations as well as provide greater choice for preferred training formats" says Greg. Step into Life provides group personal training in the beautiful outdoors. We have helped tens of thousands of Australians and New Zealander’s create a healthier version of themselves through fun, fitness, friendship and fresh air that makes our members ‘feel great!’ Enjoy a FREE HiiT trial at any Step into Life venue: www.stepintolife.com.au/hiitfreetrial Visit Step into Life’s website to find out more: www.stepintolife.com.au