The Meltdown

This is one of those vulnerable articles. It’s hoped that as I share about my/our weaknesses you too will be encouraged to own and accept your weaknesses, defeating any perfectionistic stride that tends to disrupt and even destroy relationships.Meltdown: think nuclear plant meltdown where the nuclear core is severely overheated and catastrophic damage results.We have a five-year-old, and very recently something happened that often happens at his age-and-stage. He had a meltdown. The process normally goes like this. Creative idea, build something, doesn’t work, frustration sets in, destroy the creation in anger. Not all the time, just occasionally. Dealing with pre-school children all the time, and having had another three children who are now adults, there’s nothing alarming in it. Besides, our five-year-old has witnessed us having meltdowns – and I can speak only for myself here.


There are all sorts of meltdowns, not just the angry ones, but also the teary ones, the anxious ones, the prideful ones, and the panicky ones.I want to share with you the kind of meltdown I’m capable of; this would happen occasionally in 2016 when I was thrust into an occupational world that I did not want any part of, but had to engage in just to support my family.I was very blessed to be offered work – two separate part-time positions – through friends, one of whom was my ex-wife, when pastoral ministry work went belly-up.Meltdowns occurred because of both jobs, but the case in point here centred around my job working with my ex-wife. These meltdowns never had anything to do with her – we, her and her husband and I, had a very good working relationship, always trying to outdo one another in what we gave.But it was the nature of the work that had me positioned like a fish out of water. I was packing chilled meals for home delivery, and so regularly my mind was doing backflips, that at times, my head was saying, ‘I cannot do this… it’s too hard… my brain is wired to work with people, one person at a time, not five or more tasks held in the mind at any one time, with noise, with pressure, with interruptions. (I need to say that since I burned out in 2005 my brain has some kind of permanent disability in managing many tasks simultaneously.) I was always fine when I got out on the road to do the deliveries, other than the times I had meltdowns. And this happened on a half dozen occasions.Here is the nature of that kind of meltdown. I would call my wife and say, panicked and in tears, ‘Darling, I cannot do this anymore… it’s too hard… my mind can’t keep up… I’m useless.’ After 10-minutes of hearing me out she would usually help me accept that I could get through the delivery run. I was usually fine after this. The inner meltdown in the presence of others manifested in an outward meltdown when it was safe with my wife.


There was nothing wrong with the delivery driving job, and in fact it taught me important skills, helped me master a new degree of patience, gave me empathy for those in that kind of work, and it showed me what I’m not good at. And it showed me how, all through my life, I’ve had the capacity for this kind of depressed meltdown that comes straight out of my wounded child state.We all have meltdowns, even those who seem to have perfect lives, and especially those who look like they’ve got their lives under control.I don’t know a single person who hasn’t had a meltdown. So, what do we do with this?We stop feeling ashamed of them whilst we do all we can to limit the kind of damage meltdown can bring.

A Beautiful Home of Dreams

Today we think and worry about the fact that the world is becoming more and more polluted due to increasing traffic and industries. The environment is getting worse day by day. But it has been scientifically proven that the air inside our homes is more polluted than the air outside. Our homes have become more polluted than the environment due to use of artificial things, materials and chemical products used for cleaning and maintaining out homes. To keep your home environment friendly always keep it clean, tidy, rubbish free and dust free. This can be done by vacuuming and dusting frequently.

We always want to relax and comfort ourselves at home. But if our home is not clean and tidy we will never be able to achieve our goal. To make your home comfortable and relaxing design it naturally. Use environmentally friendly materials to design and decorate your home. Use natural fabrics in your home like hemp, bamboo, indoor plants and other natural materials which are grown and harvested in an earth friendly manner. By following healthy design trends, we can opt for environmentally healthy homes. Health of your home and your family are the most important factors when you design your home.

This trend is extremely easy and beautiful to live with. Sophisticated living with environmentally friendly design can convert your home into a warm and cozy place to live in. Decorating and designing your home with natural ingredients, takes your home to new heights and provides you with uncompromising style and sophisticated living.

Home interior designing improves the overall look of your house. To make your home designing affordable, recycling is the best option. Reusing plastic containers, wood, paper and cans, reduces the cost of designing your homes. Reuse of materials and a little bit of creativity can help you save a lot of money. A mix and match of old and new trends can make your home look attractive and unique. While you design and decor your house the most important thing to consider along with creativity is the proportion and balance. Coordination between the two is very essential to make the house look beautiful and attractive.

Even colors play a very important role when you design your home. Go for bright colors for your home. You can even try bold color on one of the walls. Choosing colors for your home is one of the most important factors.

5 Ways Refinancing Your Home Loan Can Help You

We take a look at 5 ways refinancing your home loan could help you:

1. Your lender’s rate is no longer competitive

We’ll start with the popular one first. One of the main reasons people choose to refinance their loan is to get a lower interest rate, and put more money back into their pockets instead of paying the banks.

When done correctly, refinancing your home loan could save you thousands over the life of your loan, and free up cash now.

2. You could switch between variable & fixed rates

Another popular reason to refinance your home loan is to switch between a variable rate and a fixed rate. With a fixed rate, some want peace of mind. That is, knowing exactly how much their monthly repayments will be without the possibility of it changing for a set period is worth a slight increase in rate.

Conversely, you may decide you’d like to take advantage of a lower variable rate as you can accept the risk that rates may rise in future.

3. You could be eligible for a home loan with better features

There are some great home loan features around at the moment, and refinancing could offer you the opportunity to take advantage or more flexible features. Some money saving features to look for are:

Flexible repayments: You might want to switch to a home loan that allows you to make lump repayments without fees or open up an offset account to reduce your interest.

Redraw: Allows you to withdraw extra payments if you need cash. Look for a loan offering free redraws.

There are also some pretty cool boutique features, like getting a repayment holiday (a break from repayments), or the loan portability which allows you to take your home loan with you when you move without much hassle.

4. You could consolidate your debt

Many of us have multiple debts like car or credit card along with our home loan. Often our car and credit card loans have pretty high interest rates, meaning more out of your pocket.

Refinancing could give you the opportunity to merge your debts and potentially reduce the overall interest you’re paying, streamlining all of higher interest debts into one lower interest debt and reducing your monthly repayments.

The interest rate on a home loan is usually significantly lower than the other types of credit. Helping you to save on interest charges and pay debt off sooner.

5. You could release some equity in your current property

You may be thinking about joining the thousands of Australians that have invested in property, renovating your home or traipsing around Europe on that trip of a lifetime. With your current home usually being your most valuable asset, it only makes sense to release as much of the value in your home as possible.

Home equity is the difference between your home’s current value and the balance of your mortgage. For example, if your home is worth $600,000 and you have a mortgage of $200,000 remaining, your home equity is $400,000. That’s money that can be used to build wealth.

Not so long ago, the only way home owners could access their home equity was to sell up and upgrade to another property. These days, home loans are flexible and it’s possible to get access to the equity in your home without having to sell up. Reviewing your home loan can help you see exactly how much equity is available to you, and refinancing can help you access the equity to use for other things.

What should I consider before refinancing?

Cost of refinancing

While refinancing has some amazing benefits, there are costs associated with refinancing your home loan – costs that may outweigh the potential benefits. Following are two of the main costs associated with refinancing:

Exit Fees

Exit fees may apply when you pay out a loan early, usually in the first three to five years of your term. It could be a percentage of the remaining loan balance or it may be a set charge. Check your loan contract for more details. Although exit fees have been banned on new loans taken out after 1 July 2011, they could still apply to loans taken out before this date.

Borrowing costs

When you refinance, your new lender may charge a range of upfront fees. However not all lenders charge these fees and some may be negotiable.

Case Study

Let’s have a look at a refinancing example using some numbers to better understand the benefits and costs.

The situation:

Sue has a $300,000 loan repayable over 25 years. Her current rate is 6.4% and her monthly repayments are $2,006.

If Sue can refinance to a loan with a rate of 5.9% a rate reduction of 0.50%, she can lower her repayments to $1,914, a saving of $92 each month.

The solution:

Looking at the cost side of things, we’ll assume Sue will pay $1,000 to refinance her loan. In this case it would take about 11 months ($1,000 divided by $92) for Sue to claw back the costs through the savings she makes.

The outcome:

That’s not a bad time frame. If it was to take several years to recover her costs, refinancing may not be worthwhile.

Should you refinance?

We’ve gone through the potential benefits of refinancing, the costs associated and a short example. That’s a lot to take in. When it comes time to make a decision about refinancing your home loan, the best suggestion is to sit down with a mortgage broker you trust to help you go through your options.

Top Home Remodeling Projects for a High ROI

If you are looking to add value to your home, be it to make it more perfect your needs or because you have plans to sell it, then you don’t want to invest money in a home remodeling project that has a low return on investment. However, determining what remodeling projects will bring the biggest bang for your buck might be a challenge – especially if you have a limited budget!

In recent years, there has been a resurgence of homeowners looking for ways to give their home’s a new look – but not every upgrade has an ROI worth talking about. Here are some of the top home remodeling projects for garnering a high ROI.

· Landscaping – While not actually a home remodeling project of the building type, research has shown that yards where the lawn is well-maintained and logically laid out can make a huge difference in the curb appeal of your home and thus, how much you can boost your home’s equity.

· New Roof – Want to get as much as a 105% ROI on a home remodeling project? Then talk to your local roofer about upgrading your home’s roof. While a new roof may not be the sexiest home remodeling project, it is one with a high return!

· Hardwood Floors – These too bring a huge ROI – in fact it is nearly a 100% ROI – perhaps more should you decide to do the work yourself, or happen to discover that underneath those tired carpets you have gorgeous hardwoods just waiting to be refinished.

· Patio or Deck – Boost your living and entertaining space while increasing your home’s value. Choose building materials known for longevity and get more value for your investment.

· Doors – From upgrading the front door to a safer more secure option such as a steel entry door to replacing old outdated garage doors for newer ones with better features and more insulation, upgrading the quality of your home’s doors can have a significant uptick in the value of your home.

· Kitchen Remodel – A minor kitchen remodel, say new countertops or cabinetry, can improve your home’s resale value by as much as 80%.

· Bathroom Remodels – This is a prime way to recoup a solid ROI. A home remodel that involves updating a bathroom with new fixtures, lighting and vanity, or perhaps adding anew bathroom to home’s layout are a great way to improve your home’s resale value and living space. It should be noted that you don’t want to make huge changes, however, as those can sometimes have a negative affect or not have as high an ROI.

Remodeling one’s home can be a fun project, whether you are doing to improve the resale value or simply to make your home more suited to your needs. If you have questions about improving your home’s resale value, then now is the to talk to a local home remodeling team and get started on crafting a home design that works for needs and your budget.