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What is a Surge Diverter and How Does It Work?

April 2, 2019 by Reporter Leave a Comment

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A key safety issue in any home is to protect appliances, personal computers, and other sensitive electrical equipment from damage resulting from a spike in excess voltage.

This may occur during an electrical thunderstorm, for example. While most surge diverters will not protect from a direct lightning strike on the house — thankfully this is quite a rare occurrence! — they will help protect from the surge in energy caused by lightning strikes in the vicinity.

One way to keep your appliances safe is through surge protectors and plug adapters that cut out when a spike in electricity occurs. However, while there are many excellent surge protection devices, such as power boards and wall units that offer some protection for appliances, they will not give the whole house the protection against the power surge that you require.

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Many people think that power boards installed in the home are sufficient to protect against power surges. However, different power spike protection products perform different tasks. In redirecting power surges to the ground, a surge diverter can provide the all-round protection that your household needs.

If you’re a homeowner and you like proper protection from excess voltage, consider installing a surge diverter.

What is a Surge Diverter?

A surge diverter (or arrestor) is a device attached to the main power board which gives protection against damaging power surges, either from outside or from within (such as from faulty wiring or appliances).

The device prevents excess power from damaging or destroying sensitive electrical and electronic appliances such as computers and audio gear.

How Does It Work?

Surge diverters work by capturing the excess electricity that would otherwise be absorbed into the house’s electrical circuit. They will help protect the property by diverting this power away from the house by “shunting” it to the earth. Installed in the switchboard, the surge diverter will help protect against most excess energy spikes. Any electricity over 260 volts will automatically be diverted to the ground. This then renders the excess power harmless and prevents a damaging surge in your home.

Does a Surge Diverter Act as a Safety Switch for Your Home?

No. A surge diverter is not a safety switch or circuit breaker. It should be considered as a separate safety function and should work in conjunction with these devices to fully protect your home. A safety switch will monitor the electrical current through your home’s circuit and automatically cut the power within 0.03 of a second should it detect a fault.

However, a surge diverter does not act as personal protection, nor does it act through one power point. It goes further by protecting the entire property by diverting excess voltage before it travels through the circuit and causes damage.

A surge diverter is an excellent investment to protect you, your family, and your expensive electrical appliances from a dangerous surge in power. In conjunction with other surge protection measures such as power boards and safety switches, a surge diverter can play a central role in keeping your house safe. The cost of a diverter is small when compared to the problem of replacing expensive electrical appliances damaged by a spike or the frustration of having to deal with insurance companies to replace valuable equipment!

Remember to always practice electrical safety in your home; install a diverter as part of your overall safety plan and stop worrying about power surges today.

Author Bio

Ray Loh is the General Manager of Perth, WA based West Australian Power Protection dedicated to offering earthing, surge and lightning protection products aligned with the latest safety standards.

Filed Under: Australian, Technology Tagged With: Business, Industry, Real Estate

The Lightbulb List – Understanding the Benefits of Solar Energy

June 26, 2018 by Reporter Leave a Comment

Image: http://sustainablebenefits.com/wp-content/uploads/2016/08/solar-farm-panels.jpg

Solar energy has become increasingly popular over the last three decades. With consumers becoming ever more eco-conscious, we are seeing a huge rise in people wanting to live more sustainably and contribute to a more energy efficient planet. Considering the benefits of solar energy is now more essential than ever in adapting to a sustainable, environmentally-friendly lifestyle.

Nowadays, there are many different ways that we can lower our carbon footprint on a daily basis. From recycling to upcycling, from hydro to hybrids and renewables to new ways of thinking, there are a plethora of ways that we can lower our impact on the environment. Harnessing the energy if the sun through solar energy is the fastest growing source of new energy and is having a big impact on how Australians are making positive changes.

Continue reading below, to find out more about the advantages of solar energy and how using solar energy could positively impact your life.

Renewable Resource

The first and most well-known benefit of solar energy is that it is taken directly from the sun’s radiation. As sunlight hits the Earth, we can harness this natural energy resource to power homes, buildings and even cities. Of course, solar is a renewable resource as, although night falls and there are cloudy days, each and every day the radiation from the sun will reach the Earth’s surface and can be collected until the sun burns out, millions of years from now.

Solar Vs Grid Electricity Costs

Solar energy offers two types of resources for energy used in the home and workplace: thermal energy and sunlight converted directly into electricity.

Due to the rise in investigation, research and interest in solar power over the past 30 years, prices for solar energy facilities and installations have dropped considerably and are now much more affordable than in the past. There has also been a rise in grid electricity supply prices. As both thermal and solar panel energy fixtures are becoming cheaper and the investment return is being repaid so much quicker, it is unsurprising that more and more people are being persuaded to use solar energy because of the long-term economic benefits.

Additional Economic Advantages

As well as the savings that people experience from switching to solar energy, there are also various tax advantages and rebates from solar energy installations. These extra economic advantages are offered through regional and national governments, organisations with renewable energy goals and even electricity companies when extra collected energy is filtered to the grid.

Remote Access to Solar Energy

Even in the most remote places, the sun will be able to benefit those who are well prepared to receive solar energy. Not only in the capacity of solar panels on homes of rural-dwellers but also in ways that are not so evident. Solar energy can be used to heat water in areas with no access to hot running water or distil it, in areas with no drinking water.

Solar Energy’s Environmental Footprint

Although there are some negative environmental effects that come from the manufacturing and transporting of solar energy equipment, the overall consensus is that solar energy has far less damaging effects on the environment than other energy sources.

In addition to this, once solar thermal equipment or panelling is installed, there is no noise pollution or environmental contamination produced. Solar energy produces no greenhouse gas emissions because there is no burning of fossil fuels involved as the sunlight is converted directly into electricity.

Infinite Solar Power

From these benefits, it’s easy to understand that solar energy, as a source of renewable power, can help us in many ways. The sun is not likely to disappear in the near future, nor can it be monopolised by large corporations. The advantages of solar energy far outweigh any initial negative aspects of solar power, making it one of the best choices for both homeowners and businesses to make positive changes for the future.

Filed Under: Australian, Business, Start Up Tagged With: Electronics, Industry, Solar Energy

Business of Your Future For Sale

August 8, 2015 by Reporter Leave a Comment


brokers and business for sale australia

Australia is booming economically. Building is going non-stop as entire neighbourhoods are created where once there were only grasses and wildlife.  Now is your best time to invest in the business of your own dream you have held so long. Whether you are interested in flexing your business muscles in a bustling supermarket or wholesale commodities, this is the time and Melbourne is the place.

Franchise or Business Owner?

There are business and franchise opportunities in practically every industry from wholesale to retail, manufacturing to repair, from vehicles to home fixtures. All categories have Business for sale. As a business person, you know where your skills lie and how you can turn them into a solid income for now and your future.  If your business interests are more in the services area such as cleaning, restoring or renovations, there is an opening for you to toss your hat today.

Selling or Buying?

To cash in on the anticipated upswing in the economy can also be the wisest move for you to sell your business that has given you excellent income.  Your company and its client base offered as a Business for sale should bring in a substantial price if brokered wisely, and you would be free to invest in another area.   Either selling or buying a business is a life changing event, and you must have the best representation available or face heavy and lasting disappointment.

Professional Advice and Representation

selling your business online interenet

Knowing when and where and how much is an educated professional’s forte and you should retain the best advice available in the form of a business broker. The broker’s job is not to just file the appropriate documents.  He is representing you, as either seller or buyer, in the business of your dreams. You want the person representing you to have clear communication, integrity and persistence –these are the keys, whether you are vendor or purchaser of a Business for sale.

Your expert consultants should meet with you in the first instance before details are discussed. Maintaining trust in your business broker is of utmost importance, particularly with confidentiality agreements. Ensuring all parties are comfortable and confident during meetings, discussions and inspections are a critical measure of a successful broker.  Successful broker means he successfully negotiated a sale or purchase for you!

BPA Brokers Have Right Stuff

Growing from a one man operation in 2000 into the well established brokerage today, with over 15 team members, did not happen by luck.  It occurred because of its founder’s perseverance and unflagging zeal for his business sales.  It also happened because Mino Stronghilis, founder, treats every contact with the same attention, respect, and willingness to go the extra mile to complete the transaction in a trustworthy, professional manner.

You need the confidence of having the BPA Brokers firm representing you, whether you are interested in buying a $750,000 cafe or selling a $40,000 ethnic Takeaway.  That need is the strong suit of BPA Brokers, in that the team of 15 professional brokers share the same vitality and expertise in bringing a sale or purchase to fruition.  The word which stands apt to describe Mino and his team is "professional", because that is exactly descriptive of who and what they are.

The BPA Brokers firm will handle your business for sale or purchase in a professional yet personal manner. They represent you and not a bank or other entity. They will never enter into any promise, agreement or reveal any details without conferring with you first.

Contact Mino Stronghilis at BPA Brokers today to discuss your present in regard to your future.

Filed Under: Business, Business Insurance, Business News Tagged With: Business, Industry, Internet, Online Business, Sale

Small business and Hiring staff

November 19, 2013 by Reporter Leave a Comment

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Hiring a member of staff for a small to medium company can be a risky prospect, as you haven’t got the time or money, like larger companies, to go through a thorough recruitment process that allows you to pick the right candidate(s). The amount of people you hire represents how fast your company is expanding, but at the same time you obviously want people who are passionate about the role you are about to offer them and strive to work hard for your business.

Are you Equipped to hire new staff

Before you start hiring new staff members, you should take the time to think about why you need more help. You could find, when you do hire them, that they weren’t really needed in the first place, meaning you’ll have to let them go. An ordeal which is embarrassing, time consuming, and costs money, especially for a new business. When hiring new staff think about:

● Where would they be working and what would they be doing that you or somebody else might not be able to do.

● Is there space for them to work? You don’t want to hire anybody in a small retailer and you find it difficult to move around and do your job efficiently

● If you already have full-time staff, could some of them work part time so you could use their services more on days you’re more likely to be busy. If you have part time staff, could they possibly do full-time to make them more efficient to your companies needs

The obvious factor to think about when hiring staff is whether they share the same passion for your industry as you do (or should). This doesn’t mean hiring someone that has the same personality as yourself, but more in terms of hiring someone who would not be easily bored in their role and has previous knowledge or passion for taking up the position.

Advertising the position

It is important that when advertising, that you place the job in a medium that will be seen by the people you want to hire. There’s no point in wanting to hire kitchen staff and then placing your advertisement in the back of a phone magazine, you’re very unlikely to get a call back. Look into areas that have a high prevalence of advertising in your sector and are able to deliver on getting you the right candidate for the job.

Also, if you’re not trying to go through a long recruitment process then you might be better off not trying the larger spaces to advertise from, as you might receive hundreds if not thousands of replies which you’ll have to trawl through to pick your interviewees. Many people might use recruitment agencies to help find an employee, but to be honest it is usually a waste of money and time, as you could easily do it yourself, and in a shorter space of time.

Make sure you detail the objectives of the role in the advertisement and what skills you may want them to have, proofreading your work to make sure there are no errors. It’s deemed laughable and unforgivable if you’re attempting to recruit staff and you can’t even write out the advertisement properly.

The Interview

The interview is where you get to meet the people who are confident enough to reply to your advertisement, hoping their chosen for the role. For the prospective employee it can be a daunting and scary time, and your job should be to make it as comfortable as possible for them. If they’re not comfortable then you may not get the desired response from them that you want, making the recruitment process take longer.

Before interviewing, attempt to write down an employee bio of what skills or qualities you hope your prospective employee to have. List questions that are relevant to the job role and the important aspects they will have to learn in that position. Again, your aim is not to catch them out but to see if they can fit in the company and work well with you and others. You’ll know when you’ve found the right person, as they’ll most likely be really enthusiastic about the job, and have lots to say about the role and maybe even your business.

Always do a background check of the person you’re hiring. Any referees they have supplied to you should always have at least an email and phone number that you can contact. Speak to their previous employers and then make your final decision on this (if it’s positive) and take into account everything else you want from your targeted employee.

Although they want the job, make sure you outline what the role is about and what they will be doing. Tell them what you do and about the history of your business. It’s better to tell them this now, rather than later, so they can make a decision on whether they feel the role is right for them too.

You’ve chosen the right staff

Once you have chosen your new member(s) of staff, allow them to get on with the job, guiding them along the way and being there to help if it’s needed. Always respect those that work for you, since they are more likely to return the favour. It’s an obvious fact that disgruntled members of staff are unlikely to fulfil their role properly if treated harshly by their managers, so make sure you give them a reason to want to work for you.

At the end of the day, you’re the person who makes the final decision on who to pick for your company, but be aware; you may not always make the right one. Unfortunately people do lie on their CV’s to get jobs that they are not qualified for, you can prevent these people from being a part of your business by, as mentioned, checking their background, and hopefully, through it all, you’ll be able to choose your desired new member of staff. Make sure your staff are familiar with any equipment you might have at your store such as PDQ Machines ( Seen here at Seymour Direct ) or other payment, scanning and stock checking devices.

Filed Under: Business, Gpost, Small Business Tagged With: Industry, Technology companies

What is a “Means Test” and how it affects your health insurance costs

December 21, 2012 by Reporter Leave a Comment

Kevin Murphy is a freelance writer and former insurance industry professional. He spends most of his time in his native Australia, and he writes about Health Insurance for Frank Health Insurance.

health insurance in australia  with healthcare

The Australian healthcare system changed forever on July 1st, 2012. To many, it was just another July day, but to others it significantly changed the way their health care costs were structured. Among other things, the government passed a law through the Senate that will require Means Testing for many Australian families with private health insurance in order to determine their eligibility for the 30% health care rebate. Along with that, they also reorganized the way that rebates are paid out. They are now in separate tiers that will provide a lower or higher rebate depending on factors like your age and income level.

The day everything changed

Prior to July 1st, 2012, as we all know, there was a rebate of 30% across the board for anyone with private health insurance. This was mercifully uncomplicated and made it so a lot of those families with middle to lower middle class income levels could pay less out of pocket each year for their private health care coverage. The downside was that if you were a family who made $168,001 per year or more, you would have to pay just as much out of pocket for private health insurance as someone who earned millions of dollars a year, making the burden a little bit harder on those on the lower end of the income spectrum. The government wanted to both lighten the load on lower income families and ensure that those who couldn’t afford private health insurance weren’t negatively affected.

Paving a path with good intentions

As with many things that the Australian or any government does, they start out with good intentions. The health care rebate Means Test is meant to help the government be able to more accurately payout health care rebates and prevent overpaying to those who could otherwise afford the treatment they received. The purpose of which was to save the government money and, in turn, put less strain on the already overburdened public health care system. This looks great on the surface, but it could have far-reaching unintended consequences for the entire health care system as it stands.

Is it a fair shake for everybody?

Of course, there are two sides to this coin. Many people feel that putting a higher monetary strain on those with the most money would be an appropriate measure to ensure that those with little to low income have access to affordable, adequate health care. While that looks good on paper, it may do just the opposite, warns Dr. Michael Armitage, Chief Executive Officer of the Australian Health Insurance Association, who predicts that “means-testing the 30 per cent rebate will force people out of the private healthcare sector.”

Dr. Armitage has spoken out against Means Testing since the bill was in its infancy a few years ago. He also warns that “The costs of treating consumers in the public hospital system are expected to rise substantially above what is currently anticipated by the government, with an estimated rise of $3.8 billion over five years, and an estimated 850,000 person increase in public hospital admissions.” If you look at it that way, then the July 1st restructuring could force people out of private health care and back into the public system, clogging an already clogged infrastructure.

Change, good or bad, is happening

While it will be a while before we can truly see the effects of the Means Test on our health care system, we do know that change is in the wind. Whether it’s for better or for worse, only time will tell. Until then, the best advice would be to keep your private health insurance coverage as long as is feasible in order to provide the best possible care for you and your family.

Filed Under: 2012, Gpost, Health Insurance, Insurance Tagged With: Australian, Healthcare, Industry

Buddy, Can You Spare a Life Insurance Policy?

July 25, 2012 by Gposter Leave a Comment

Anything at all would really help; maybe a little Hartford? MetLife? or Deloitte? Bless you, kind sir.

Dennis Grayson

Not Enough Life Insurance Agents

We recently reported that the number of agents selling life insurance products is dwindling at an alarming rate. At least some are alarmed by it, most notably those captains in the insurance industry who are certain that American’s don’t have enough life insurance and should have more. (Not Enough Life Insurance Agents?)

life insurance deloitte

Now comes corroborating news that “the prime reason many uninsured individuals don’t have insurance coverage is that no carrier has invited them to purchase their products.” That’s according to a new survey published by Deloitte, LLC, or the subsidiary of Deloitte that is big on insurance and that sort of thing, at any rate. “Even insured individuals who are open to buying additional coverage often say that they have not been solicited by carriers.”*

I would humbly suggest, at the outset of this discussion, that the real reason many uninsured individuals don’t have life insurance coverage is because they simply don’t want it or feel the need for it. As a consequence, they don’t feel even slightly compelled to buy it.

Deloitte study on consumer insurance

The title of the Deloitte study, “The Voice of the Life Insurance Consumer,” is a little troubling in that while consumers may have indeed lent their voices to Deloitte, the company and other captains in the industry may have either been a little tone deaf, or perhaps they only heard what they wanted to hear.

The survey was conducted to provide life insurers with insights into how people perceived the value of life insurance, including where coverage ranked among their other financial priorities, as well how consumers preferred to be reached.

“From our survey it is clear that life insurance is very much on the minds of many consumers,” said Rebecca C. Amoroso, Vice Chairman and U.S. Insurance Leader for Deloitte LLP. (Deloitte was of course the survey’s executive sponsor.)

While there is little data in their study which might actually suggest this, I support Ms. Amoroso’s natural inclination to protect the industry, and her six figured income (I’m only guessing). I would be inclined to replace the word ‘many’ with the word ‘some’.

Guest post by Nicholas for Structured Settlement of www.sellingyourstructuredsettlement.com

Filed Under: 2012, Banks, Business Insurance, Finance, Gpost, Health Insurance, Insurance Tagged With: Consumer, Deloitte, Industry, Insurance Agents, LLC

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