The cost of purchasing engagement rings in Australia, on average, is around $5,300. If you bought a car for $5,300, you would get insurance for it – wouldn’t you? Therefore, getting insurance for your engagement rings of similar value makes sense as well. If you lose your ring, it’s stolen, or it becomes damaged, having insurance offers peace of mind that you are going to be able to replace it with a ring during your wedding reception of similar value – even if the sentimental factor is not the same.

How do I Get Insurance for My Engagement Rings in Australia?

Diamonds and Pearls Perth tells us that there are two primary ways you can go about getting insurance for your engagement rings. You can cover it under your home and contents insurance – as long as you include portable contents cover, or you can opt for specialist jewellery insurance. Even though you may pay a little more for specialist insurance, it can, in many cases, offer a higher level of cover.

What Happens If I Insure My Rings with Contents Insurance?

If you decide to include your engagement rings under your home contents insurance, it’s imperative to upgrade your policy to include portable contents. If you don’t, you may find yourself not covered if you lose your ring outside your property. When you upgrade to portable insurance, you can generally cover up to $6,000 but may only receive $2,000 for an individual item.

Are you looking for organic ways to get more customers for your online business? You may have decided to try one of the more common forms of digital marketing, social media.  One of the most common ways is to set up a Facebook Business Page to showcase your products and get your friends – and hence, their friends – to Like it. There are varying opinions on whether it works, how it works and why it should – or shouldn’t – work for specific business models. But if you have never done it before, here are some basic principles of social media marketing (SMM) you need to know about.

• No matter what kind of business you have, ‘the customer is always right’ is an excellent adage to go by, but even more so in social media marketing. Why? Because if you try to argue with a customer, it will soon be all over the media, often to the detriment of your business. So take hasty steps to make that customer a happy camper.
• Don’t offer personal triviality. Potential customers don’t want to know what you like for breakfast. They want to know about the quality of your product and whether your company offers returns.
• Don’t be satisfied with a business page. Do a paid ad as well. It will promote your product and people that see both will trust you more.
• Take part in the community, don’t just post and run. If you befriend people, especially those that are considered influencers, you’ll have more success yourself. But be genuine and sincere, don’t just do it for selfish reasons.

• Be positive. People have enough negativity to cope with. They love to see how people rose to meet a challenge. Even just being happy and positive about little things helps.

SEO Perth Experts explains that Search Engine Optimisation is a term for several ways and means of getting your page ranked higher in the SERPs, or Search Engine Results Pages. Why is this desirable? If you have ever searched online for something you will very likely have clicked on one of the websites that the search engines offer from their first page. And of all the choices on that first page, you most likely clicked on one of the first three.

So if you can get the search engines to show your website in that position you will get a great deal more organic or free traffic than a website that is on the second, third or other pages.

But how can you get the search engines to choose your website and put it on their first page? Here are 8 SEO tips to help you.

It is a well-known saying that you get what you pay for. What it really means is when you try to save money by buying cheap, you will find yourself with a cheap and nasty product that either doesn’t do what it is supposed to, or it breaks within a year or two. So when choosing products for the home and even building materials, cheap is not the best way to go.

Not only will you end up with a home that has little value, all that money you saved will be spent replacing parts that don’t last or maintaining them so they last a bit longer. Plus, some building materials still cost a lot but don’t have some of the properties of stone and so you spend more on comfort – heating and cooling – over the lifetime of the home. That said, let’s look at the benefits of using Perth limestone products.

• Limestone bricks or blocks as cladding will give you a home that has a high value and thus, a high resale value even in many years time.
• Cladding your home with limestone will ensure that the temperature remains constant so there is less need for heating and cooling. You save money.
• A feature wall in limestone not only looks decorative and adds value; it can also have practical uses such as cutting glare, offering privacy and creating shade.

There are many ways to get into trouble and sometimes the consequences of doing something on impulse are far reaching – even devastating. The first and foremost thing to do if you get into serious trouble with the law is to contact someone like PCLB Criminal Lawyers for help. They will even come to the police station, if that is where you are, and see what the trouble is about. Then they will be able to post bail to get you out of gaol, or they may be able to make the police let you go, if they are holding you without enough evidence.

You have a right to some kind of legal aid. If you can’t afford a lawyer, one that offers their services for free will be designated. While this is better than none, it is much better to get your own as they tend to work harder on your behalf. When speaking to your criminal or family lawyer, it is always best to tell them the truth of the matter so they can form a better idea of what will happen to you and how they can best help you. The truth usually comes out in the end anyway, so you can be a few steps ahead by telling your lawyer exactly what happened.

Why good behaviour is best

However, sometimes you can get into trouble that is not so serious. If you are picked up by police or even just come into contact with them it is best if you behave politely and respectfully. If you use the services of criminal lawyers, they will tell you that if you even swear around police – rather than at them – they can arrest you.

Many people love gardening but for some reason cannot have a garden. This may be because of their living environment or due to their health. However, most people can have at least one pot plant to keep them happy. If you have a tiny courtyard or room for just a few planters on your patio, it is important to get it right if they are to look pleasing. Using designer garden pots has several advantages.

• Visual appeal. Designer garden pots can be sophisticated or casual, but no matter what type they are they will add visual appeal to your surroundings.
• A pot plant can be enhanced by the pot it lives in; it will have much less appeal if you dump in into a black plastic pot.
• The pot that contains the plant provides at least half of the appeal of the whole. When your plants are not flowering, or when the display has gone past its best, the attractive pot below it will still provide something good to look at. Even if there is nothing in the pot at all, it can still provide an attractive focal point on the patio or in the courtyard.
• Courtyard and balcony plants often don’t have showy flowers; rather their appeal is in the shape and colour of the leaves or the shape of the plant. A designer pot has a similar subtle beauty that will set off those plants to the best advantage.

When it comes to getting landscaping done, whether it is residential or commercial, having landscapers in to do the job is really the best way to go, especially in places such as Western Australia where both the weather and soil type can pose challenges.

One reason why gardens fail

A lot of our garden plants and even the methods we use to garden have filtered down from England, a country where the weather is cool and damp. When you translate these plants and methods to a country known for its heat and dry climate it is no wonder that many gardens become disaster areas.

Landscaping professionals may have learned such methods, but since they are experienced in Australian conditions they know when to leave those tried and true – for England – ways of gardening behind and get with Australian methods. One of these is finding ways to conserve moisture in the garden rather than draining it away as is necessary in wetter climates. The addition of organic mulch or non-organic covers such as pebbles are both good ways to conserve moisture and the latter adds colour and interest.

Australian tax laws can be complicated even to experienced accountants, which means that they can be nearly impossible to navigate for the average person. Sure, you might have finally figured out how to fill out your own tax return at the end of the year, but what about capital gains tax?

What is capital gains tax?

Capital Gains Tax (CGT) is tax that you pay on the sale of a property or other investment. It only applies to the profit or loss that you made on the sale, which means that you have to be careful when calculating CGT. For example, if you bought an investment property for a million dollars in the past, and then went on to sell it for two million some time later, you would have made a capital gain of a million dollars. This capital gain needs to be added to your tax return, and you will have to pay tax on it.

What is the taxation rate for CGT?

The CGT taxation rate can actually be a little bit confusing to work out. A lot of people think that you have to pay tax on the entirety of your sale. This is not the case. You will only ever pay tax on a capital gain, and you can claim capital losses back on your tax return.

If you have held an asset for more than 12 months, you will get a discount on your capital gains. Instead of adding the entire gain to your tax return, you will only need to add half of it. This means that you will only pay tax on half of your capital gains. Once your capital gain amount has been worked out, it is added onto your normal income tax return, and you will pay normal tax rates on it. The actual amount of tax you pay will depend on your total income and on what tax bracket you end up falling into.

Gum disease is basically inflammation of the gums that occurs due to the bacterial growth caused by the plaque that remains on the teeth when teeth and gums are not cleaned and flossed daily. Just like Joondalup City Dental, every dentist will tell you that oral health is essential and you need to keep your teeth clean and to know how to clean them properly.

In addition, having your teeth checked regularly will ensure that tartar is cleaned from under the gums. Tartar forms when plaque is left on the teeth and eventually goes hard. In this condition it is impossible to remove it with a toothbrush; it can only be removed by the dentist. If it is not removed, it is one of several conditions that lead to gum disease. to avoid sharing some dental myths that you may believe, we have set out the facts.

There are two types of gum disease

• Gingivitis, which causes soft, swollen, red gums that often bleed easily. With careful cleaning and treatment to remove tartar, this condition can be reversed.
• Periodontitis otherwise known as periodontal disease, happens when gingivitis is not properly treated and spreads to ligaments and bones around the teeth. If not treated it can lead to teeth becoming loose and falling out. Even then it can continue to effect the jaw bone. It is essential to have professional dental treatment for this condition. If this does not happen the infection can spread to other parts of the body and cause many serious problems including stroke.

Once, the television was part of the living room and still is, in many cases. But people who want a better experience when watching movies like to design their own home theatre. This is just what Sam Sorgiovanni has done with the design of the superyacht Amara – there is a cinema room that seats 16 people on that yacht, incorporated into all the other luxury fittings such as pools, saunas and elegant dining rooms.

There is no reason for an upmarket home to have anything less, albeit you may not want yours to seat 16; then again, if you entertain it would be good to have a room large enough to seat that many people in comfort – or more. Most people enjoy watching a good movie and this is one way to ensure they can get the most out of it, especially with surround sound and no distractions from the rest of the house.

It’s also a wonderful way to show off those pictures and movies from your last overseas holiday. And if you have guests staying over the weekend or longer, watching a movie can be a great way to finish off the day’s activities, especially in winter when it may be too cold to spend much evening time outdoors.

It is not that difficult to convert a spare room into a home theatre, but if you are building your own home it’s much better to have it designed especially right from the start. That way you can make sure it is comfortable, soundproofed and has all the fittings in the correct places for when you get your new television and surround sound gear.