Design Your Liability Cover

An Introduction To Public Liability

If you’re self-employed running your own business you’re regularly facing risks that are not typically encountered by those employed by an employer. Whether you’re a Sole Trader or employed by your own company you’re constantly exposed to legal liabilities within your workplace or environment.
If your new to business and fall into the thought process that there is not real risk to yourself or your business from legal action think again, today’s society is always seeking someone to blame, and accidents do happen more often than we think. When they do happen they are typically pursued aggressively and can be extremely expensive to resolve, not to mention a lengthy process and at this stage the initial public liability insurance cost will be the last of your concerns.

In business you are responsible for the actions of yourself and company, if you damage property or cause personal injury to third parties you most likely will be sued in respect to the legal liability to the damage or injuries. Public liability insurance is a class of insurance that indemnifies you or your business against claims in respect of the legal liability to third parties in respect of injury and damage.

Even tho public liability insurance policy isn’t a legal requirement for most business owners there are a few trades and services that are the exception. Never the less having insurance protection can save your business from financial ruin, particularly in legal defence costs which can be extremely expensive. Its possibly the most important aspect in insurance, if a party makes an allegation against yourself or business regarding possible liability for potential loss your insurance company will act in response whether your responsible or not.
Another important factor in deciding your public liability policy is deciding your limit of indemnity, this amount is the insurance company’s maximum liability under the policy. Limits are typically trade related or a contractual agreement. 2 Million, 5 Million or 10 Million are common and naturally the higher the policy cover the more costly it becomes.

Lastly its essential to make sure your business description is accurate in the policy as any work outside these parameters will not be covered. Having adequate public liability insurance cover is a relatively small cost and effective way to manage the risks to yourself or business.

Cash For Your Car

Selling Cars For Cash In Sydney Is Easy

Selling you car for cash isn’t an easy task nowadays, with as many as 175,000 used cars for sale on any given day in Australia. The prospect  of your car getting found starts to sound a little daunting. However there is a easy way, Cash For My Car Sydney makes the entire selling process a breeze. If you are in Sydney and want to sell your drivable used car and get up to $15,000 cash the same day? then Cash for my car sydney is the service for you!

It’s easy and safe, no more tyre kickers wasting your time, no more exposing your privacy, no more insurance stress for test drives and you get paid cash on your agreed value of your vehicle! Even better is the fact Cash For My Car Sydney isn’t exclusively for cars, they buy working:

  • Cars
  • Vans
  • 4WD’s
  • SUV’s
  • Utes
  • Light Commercial Vehicles
  • More

The guys at Cash For My Car Sydney have made the process simple as 1, 2 3. You get in touch and a consultant arranges a time to inspect your vehicle, whether that’s in your driveway or workplace, the location is flexible! Lastly once appraised, they make an offer and once you accept, you are paid cash in the hand that same day! What is the catch? Well there is only one and that is they only buy vehicles from 2001 onwards, that’s it! No more stress, no fuss, just get your vehicle sold fast and get paid CASH!

Creative Designs

Building Design

A logical mind would consider art as irrelevant. How can the art of music help a mathematician? Most people will probably say nothing at all! This blog takes a closer look at the designs which illustrate how our overachieving, digitally enhanced and industrious world actually needs great designs. And not just as a distraction but as a vital necessity to its own survival.
I too, once thought that the musicians, artists and designers of this World had no part to play, except as diversions from the important things in life. The ‘real’ activities of life, like building construction, farming and industry are the only important events, right? What part can a designer play in a World that rewards results?

Picasso – The Illustrative Designer

It has long been established that without illustrative designs and artistic expression, human beings suffer terribly. You only need to go back to the renaissance, when most of Europe was strongly influenced by the rise in religion to see how control over expression induces suffering. Furthermore, the stifling of art and design can be imposed by political powers and plunge a society in periods of darkness and despair. Look at how the dark ages affected the World. It affected:
– Illustrative Design
– Music
– Architecture
– Dance
– Sculptures
Amazingly, even centuries trying to smother out all types of design and art did not succeed. Humans need to express themselves through language and other physical forms of expression.

Small Homes for a Large World

One such example can be found outside of our larger cities, in the fringes of our suburban towns and vistas. These days, many people are designing small dwellings in their back yards called Granny Flats. As we move forward towards an asymptotically growing population, we will inevitably need to occupy less space. So today, I’d like to look at these granny flat designs and see just where it will lead us.

Beauty is in The Eye..

Take a look at Stonehenge. Even after centuries of intense study, we don’t know for sure how it’s design and form was utilised. Some say it was a place of worship and others for public meetings as a theatre or similar. Others say it was used for human sacrifice by the druids and Celtics. No matter what you think, millions of tourists travel across the World just to stand there and admire the architecture. I personally don’t see it’s wonder. But this is the unique beauty of art. It doesn’t need to be universally approved in order to be revered. Picasso’s paintings are absolutely gorgeous to me but you may just think it’s a splash of pain

Architectural Design into the 21st Century

Today’s architecture has its own appeal. When compared to buildings from two hundred years ago, it’s obvious that today’s buildings are designed for usability over aesthetic appeal. Interestingly, this in itself is a form of art. As an illustrative designer, I can appreciate the uniqueness and almost surreal sense of digitalised art which modern buildings possess. High rise buildings tower above us and almost speak domination upon the populace below. They’re saying “I am your awesome creation” but they’re also saying “I am larger than you”. A building can house and save you but it can also kill you. When looking at the modern art form, we cannot deny the size, scale and bulk of these ever growing buildings. Men have competed against each other to create the tallest buildings for centuries.

The Art of Small Buildings

The smallest things can make the biggest impact they say. Whilst not casting the largest shadow, smaller creations say things that speak of humility and practicality. The powers of today are the same as centuries ago. Governments have dictated the way we should live from the beginning of time. Today we see the modern man trying to be more compact in many ways. He drives a smaller car, tries to use less power and eats less. It’s almost as if we are being told to live more subtle and meagre lives. But are we? One thing is for sure, we are living in more compact lodgings.

Website Design Tips

Website Design

What to look for in a quality website design company
Websites have become such an integral part of any Australian based business over the last 3 or so years. With the adoption of smart phones and tablets, you also need to be sure that your website is completely optimised and viewable on a number of devices – not just a computer.
This is why choosing the right website designer is such an important factor in the overall success of your online marketing strategy.
In this article we will discuss some basic questions and requirements you should be asking from your current website designer to make sure that you are in good hands. We will also look at some of the more common keywords & buzzwords that you may not be familiar with regarding the ever growing world of Web Design.
Communication, Eye for Detail and Subject Matter Expertise is crucial in choosing a web designer


The first thing you should be concerned with is the availability of your web designer – how accessible is this person, small business or company? There is absolutely nothing worse than dealing with substandard customer service, especially in an industry that helps produce leads or sales for your business.
My advice is to find out how you can contact your web designer and their team, including what methods are available:
Phone Number
Mobile Number
Email Address
Office Location
Social Media including Face book, Twitter or Skype
If you are constantly being placed on hold, calls not being returned or your project is continually put on the back burner then I would advice to start looking for a better team to work with.

Responsive Website Design

Responsive Design – this is such a big topic in the web industry at the moment and is continually being misused, abused and downright forgotten! There are more mobile phones than people in Australia right now and we have seen a strong switch of traffic from PC / Mac only users to smartphone and tablet based users viewing websites. The ipad is a great example of people surfing the web both on the go and whilst lounging at home.
It’s crucial that your website designer is up to speed on responsive design and is willing to adapt to your website project to function on these devices. Generally this can be done during the development of new websites but if you already have a website, it’s not a massive job to adapt your website to multiple devices. Usually it’s a case of changing a bit of CSS by adding in specific screen width rules which will adapt nicely to different devices visiting your website.
From iPhones, Android Smartphones to iPad Tablets – People viewing your website are now doing so on multiple devices
My best tip here is to track your analytics closely and if you are finding more than 1/3 of your total traffic is coming from smartphones or tablets then it is time to invest in turning your website into a responsive website to provide a much better web surfing experience for your customers.

Existing Portfolio

Just a quick tip to see if you are dealing with a company that not only talks the talk but can back it up too is to view their existing client portfolio. Look for unique design aspects and client testimonials as well as the age (project date) of these website design projects. Like any great artist, a website designer’s work will speak for itself – it will make sense and usability of it will be intuitive.

Quick Jargon Buster

Responsive Design – Are rules in your websites CSS that tell the website to change it’s style (visual looks) depending on the screen size viewing it.
CSS (Cascading Style Sheet) – is the visual looks department of your website. This is the place where background images are loaded, font colours are changed and widths, margins and padding are all stated.
Analytics – Systems such as PiWik or Google Analytics provide you a detailed insight into how your visitors interact with your website. Track what devices are viewing the website, what keywords or referring websites brought the visitor to it and even how long they spent exploring your website.


My best advice would be to build a trusting relationship with your website designer, get to know how they operate and be sure to listen to their opinions when suggesting ideas – it’s actually a great thing if your designer says “No” to you sometimes, you don’t want to work with a “Yes Man”.

Car Battery Design

Car Batteries – What’s in the Design?

The most common car battery in use is the Lead-Acid battery, the lead acid battery was invented back in 1859 by a frenchman named Gaston Planté, it is also the oldest type of rechargeable battery. Lead acid batteries actually have a low energy to weight ratio, i’m sure you have all picked up a car battery before? typically they weight anywhere from 15 kilograms to 22 kilograms, depending on the size among other things. So why are they so popular? Glad you asked, the main reason is the actually manufacturing cost is very low, they also have a good power to weight ratio, enough to supply a vehicles starter motor. Please note low energy to weight ratio and good power to weight ratio!

Design and construction of a lead acid battery

The main parts in the construction of a lead acid battery are as follows:

  • Case
  • Positive plates
  • Negative Plates
  • Separators
  • Positive Terminal
  • Negative Terminal
  • Electrolyte Solution

There are a few variations to the lead acid battery and of course newer more modern battery designs available, often with greater life spans than the traditional lead acid battery, maintenance free but also at a premium price.

Some common names in which you may see when battery shopping:

  • Maintenance Free Lead Acid
  • VRLA ( valve regulated lead acid )
  • AGM ( Absorbed Glass Mat )
  • Gel
  • Sealed
  • Starting Batteries
  • Deep Cycle Batteries

Some of the terms above are just describing the same product, such as sealed and maintenance free, some have a different construction process of additional additives which make the battery more specific in it’s use – a cranking / starting battery or a deep cycle battery ( such as used in camper vans , boats etc )

Most lead acid batteries will last 2 years or more for every day use in a vehicle, some brands may use superior materials to extend this life span, or construction design. Typically the use of lead with out impurities or batteries with a higher concentration of acid may lead to a longer life. This is also dependant on using the correct battery for the vehicle type, how often it’s used, the vehicles electrical load and the condition of the vehicles charging system.

For more information of lead acid batteries please visit this wikipedia page :

Termites Hungry By Design

Termite Prevention And Solutions

Termites are a costly problem in Australia, millions are spent every year treating and preventing their potential destructive behaviour of our greatest asset, our homes. However as a home owner you can periodically inspect your property for visual signs of their presence and intrusion and also remove food sources from around your property. This can assist in reducing your risk, that said if your property is in an active area or built before termite prevention measures came into the building code, organising a inspection could save you in the future.

A professional pest inspector can detect, treat and educate on best solutions to dealing with termites. Professionals these days use thermal imaging to see what the human eye can not, because termites avoid sunlight and like to go about their business out of sight and without being disturbed. The nature of termites behaviour often leads to costly damage as it;s often they are not discovered until serious damage has been carried out. Living in a brick home isn’t a reason to relax termites can and will enter brick homes, they will see plaster board, wardrobes, carpet, paper and even cloth as a food source. Organising a termite consultant or inspection is easy and could save you from costly repairs, as a home owner your responsibility in inspecting your homes exterior for mud tubes and interior can also help before costly damage has been done!

Some Termite Facts

  • Termites are sometimes known as White Ants, however they are not related to ants and in fact closer to cockroaches.
  • Termites never stop, their operation runs 24 hours, 7 days, 365 days!
  • Termites will travel up to 75 meters from their colony in search of food sources!
  • The termite queen can live in excess of 15 years!

Designing Your Granny Flat

Granny Flat Design Tips

Modern granny flats need to blend in well with the existing house and neighbourhood, even if just for resale reasons. Granny flat design has evolved despite the need to adhere to council restrictions. None of your neighbours are going to be happy if your area is more heritage styled and you erect rendered two story granny flat, nor will it help on resale. Another often overlooked factor is outdoor space, people typically become so fixed on trying to fit the largest granny flat possible at any cost they over look the simple things like : space for kids, pets, clothesline, gardens etc.
When it comes to the inside some factors that are overlooked and need to be considered are the positioning of the bedrooms and living area’s, they should preferably be towards the north. If north is not possible, buffer these zones with storage or the laundry and as a last resort heavily insulate the western facing walls.

When designing the floor plan of your granny flat make sure you design it for its intended use, either a place for the parents, kids retreat and an investment. But most importantly keep it simple, budget blowouts almost always occur because the design was trying to incorporate something tricky or detailed.

Granny flats are typical limited to about 60sqm in most regions, to make the most of this space don’t create space where its not needed ie: hallways when open plan is more effective. Designing a quality functional granny flat is difficult, but keeping in mind the above should help you avoid any common problems.
Happy granny flat designing

Energy Efficiency Without Design

Saving tips to save money that you can start today!

So we have all heard about global warming and if you believe it or not changing to energy efficient appliances and following a few of these tips below will help the environment and reduce your electricity usage which means money saved. Have a good look over these tips, most you may already know and I’m sure a few you don’t or simply have forgotten.

Tip 1: Make sure to set your air conditioner to 25 degrees Celsius, this is said to be the optimum temperature for energy saving.

Tip 2: Make use of awnings and blinds to reduce sunlight penetrating the home in summer, heavy curtains also help reduce the amount of heat entering the home in summer and also help retain heat in winter. Another option is too get your windows tinted.

Tip 3: If your still suing an electric hot water system turn the thermostat down to 50 or 55 degree Celsius , its most likely on default at over 65 degree Celsius or perhaps higher from a previous owner of the house. This will also help prevent scalding particularly if you have young children.

Tip 4: Make use of any government incentives for energy efficient lighting, or invest in CFL or LED lighting for inside and outside the home. Make use of outdoor lighting that operates via a sensor, this not only is good saving electricity it’s also great for security and safety. Lighting generates approximately 5% of your household greenhouse gas emissions.

Tip 5: Keep your light fittings clean, this will improve light output and help reduce heat build up extending the lights lifespan.

Tip 6: Make use of government incentives and rebates on water tanks, water saving shower heads and dual flush toilets, keep your showers around 4 minutes also.

Tip 7: Use only cold water in your washing machine and only wash full loads.

Tip 8: Install a grey water recycling system, what is does is collects the spent water from the shower, hand basins, washing machine and dishwasher which you can then reuse for water the garden and lawn etc.

Tip 9: Clean your air condition filtration regularly as per manufacturers guidelines.

Tip 10: IF you have a chimney, make sure you close the vent when it’s not in use, or use a chimney block as this will prevent hot air entering the home.

Tip 11: Turn of lights when you are finished in the room/ when leaving the room. Easy habit to get started.

Tip 12: Turn off appliances in standby and when you have finished using them. Standby appliances consume approximately 5-10% of your electricity bill.

Tip 13: Make use of government incentives and rebates for insulating your ceiling, walls and floors. An average home can lose up to 30% heat from the ceiling and 15-20% through walls and floors.

Tip 14: Use a gas cook top as its generally cheaper to run then electricity and less harmful to the environment.

Tip 15: Use the kettle to boil water rather than a pot on the cook top, and also only boil the amount of water needed, any more and its just wasting energy.

Tip 16: Keep your refrigerator and freezer clean and tidy inside and out ( frost build up), make sure there adequate space top, back and sides so it can expel excess heat. The rear of these appliances can become dusty, simply unplug the appliance and use a vacuum cleaner and a soft paintbrush if it makes it easy to clean away the dust. Make sure your refrigerator is set to 3-4 degree Celsius any less is wasting energy and damaging your produce and any more will spoil your food. Freezer should be set too -16 degree Celsius.

Tip 17: Use the sun to dry your clothes, if your living arrangement doesn’t permit a clothes line then spin dry your clothes as normal and try hang them up on a rack and finish them off with the clothes dryer. Clothes dryers generate approximately 3 kilograms of greenhouse gases per load.

Tip 18: Fix any plumbing leaks, a single dripping tap can waste up to 1000 litres per month, this will reduce excess water bills and if its hot water leaking reduce electricity also.

Tip 19: Only wash full loads in your dishwasher, keep your dishwashers filter clean as per manufacturers guidelines and if your house is using solar hot water make sure your dishwasher is using this instead of heating its own its own.

Tip 20: Put a timing function on your pool pump so it operates for the least amount of time possible and make sure you have it set onto the off peak electricity tariff.

Tip 21: When going away for a week end or even not using your central heating and cooling for an extended period turn it off at the outside isolator switch, a little known fact is these units can use around 150 watts of standby power.

Tip 22: Lastly invest in an energy monitor, you may be surprised at what is using power and how much its using, make use of the current incentives and rebates from government and local councils regarding this device. Install it in a high traffic area like the kitchen so everyone can visible see how much energy the house is currently using.

Thanks very much for looking over these tips and I do hope they help save you money and reduce greenhouse gas emissions. Also remember any electrical work should always be carried out by a skilled and licensed electrician, make sure you contact a Domestic Electrician for any electrical work around the home and a Commercial Electrician for electrical services in the workplace etc. If you have other amazing methods on saving energy I may have missed please post it below.


Things To Consider When Painting Your Home

Painting your house can prove to be quite a messy and painful experience because of all the effort and the details involved. In most cases it’s far better to hire expert painting contractors to avoid this hassle, to ensure it’s done correctly and looks great.

Just like finding any trades person or contractor, it’s never an easy process to find one that’s reputable, on budget and your comfortable with.

If you’ve mad the mistake and got yourself a less than professional painting contractor, your home painting project can become a total nightmare with a lot more hassles than you may expect. The painter may not return and your project will come to a standstill with other painters not willing to pick up from where the previous contractor left it, you may lose your deposit and be required by another painter to make a deposit again, the painting contractors lack of skill and experience could lead to lengthy completion dates and low quality work . To avoid this type of scenario, things you should consider when hiring a professional painting contractor are :

1. Previous Experience – This is number one for a reason, it should be your priority when looking for a painting contractor. For instance, when it comes to interior painting of a house, the same methods, materials and components  may not apply to the exterior painting work. A different situation is going to need a different method in order to come up with fantastic results your looking for. Experience is vital for a painting contractor so they are able to adapt to various situations, maintain cost effectiveness and budget. At the same time also capable to effectively achieve your goal.

2. Their Reputation – Your ideal painting contractor should have a great reputation and not hesitate to help you contact their previous clients. Usually, experienced professional painting contractors will almost always be reputable, basing on the overall quality of the work they do. Using local business directories and review sites is a good place to begin when evaluating a contractors reputation.

3. Good Communication skills – Another highly sort after trait – your professional painting contractor is not worth his weight in gold without communication skills. This is key to being able to present you the details of the work in such a way that you’ll completely understand. His or Her ability to explain the painting process lets you know the things that are going to be done when, where and how. Without clear and friendly communication skills the professional will not be capable in conveying everything regarding your painting project in a proper manner, this may become a problem if and when unseen issues arise and how best they can be addressed.

4. Budget and Cost – Getting your home painting project  done within your budget is absolutely paramount. The ability of the professional to stick to budget is critical? It’s a wise move on your part to keep in mind that the cheapest may not always be the best way or best experience and value for money. However an experienced professional painting contractor should provide you with a detailed quote broken down so you can assess it yourself. You should also contact previous clients and talk about their experience and how their project progressed.