Rogelio Simpson, Author at Beacon Club

Author: Rogelio Simpson

Owning a Home Risks and Benefits

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Owning a house is one of the most common goals that everyone wants in their life. People have for long accepted the fact that owning a home is something that is required and that if you’re going to be successful, it should be one of your apparent priorities.

However, that is not always the case. In anything you do and in anything you spend money on, especially when it’s a considerable amount, you have to weigh out the benefits and the risks.


Long Term Investment

Most of the time, homes increase in value over time through appreciation. Still, since real estate prices are cyclical and unstable, homeowners shouldn’t expect the property to grow in a short-term span drastically.

Considering this, if you plan on staying in your home for long enough that the value of it is bound to increase, then it’s a good idea for you. In the long run, if you decide to sell your home for a profit, you’ll be able to sell it at a higher price.



This is another crucial factor when discussing the advantages and disadvantages of owning a home.  Market value varies by location. So if you’re paying for a pricey house in the middle of nowhere without any hopes of improving your neighboring land area, you probably won’t ever profit from it.

We suggest that you look for a perfect place to settle in. An area where the money you worked hard for doesn’t go to waste. To not let your money go to waste, we suggest you check out the house and land packages Queensland



This is the complete opposite of what you want to happen to your house. Even if you’re wealthy and you can afford it, there is no logical reason to waste money. If you invest in a home without taking into account the potential depreciation like in the unexpected housing crisis of 2008, then you’re walking into a fight blindfolded.



Houses and properties are financial assets. However, they’re a formidable asset to deal with if you plan to maintain a state of liquidated assets. It won’t be easy for you to sell houses in a short span of time, meaning that if you need to liquidate your assets, your home will probably be the one to go last.


Upfront Costs

Investing in a home can be expensive – that’s something that not everyone can deal with, especially those who are still finding their ways in the world. Even if you can deal with the mortgage, there are still upfront expenses you have to consider before investing in a house.

There’s more to your expenses than the selling price of the property and the interest rate that comes with your mortgage. It’s expected that you’ll end up paying 2% to 5% of the purchase price in closing costs. 



A home is an investment with a lot of benefits, but also a lot of risks. As exciting as this investment seems, it’s not for everyone. Before investing in your own home, thinking about the practicalities and weighing out the benefits and risks of your decision is essential.

Maybe you’re not fit to buy a house yet. That’s okay because this doesn’t mean that you won’t be able to buy one in the future; it just means that you’re spending your money wisely and not making rash decisions.

6 Benefits of Investing in Commercial Property

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Investing in commercial property is something that more and more people are leaning towards; with little to moderate returns from the residential property they’ve invested in, investors are now considering commercial property as a more healthy alternative!

Everything from offices, shops, or even warehouses can be commercial properties that you can start investing in today. Investing in these not only gives you a lot of diversity, but it also has a high chance of giving you positive cash flow!

Not convinced? You better call your commercial buyer’s agent now cause here are the six benefits that come with investing in commercial property!


Stable Income

Among all of the benefits of investing in commercial property, the stability it has when it comes to income generation is arguably at the top. The returns are a lot more secure to ride with, and they are also generally high!

Compared to investing in stocks and shares, the property market fluctuates a lot less and is a lot less unpredictable!


Lack of Volatility

The risk of the property market crashing overnight is almost non-existent. The overall lack of commercial property volatility allows it to become a safer bet if you’ve just begun to dip your toes into the property investment pool!

As long as you own the right property, it would help if you didn’t worry about losing profit anytime soon. You can learn more about this advantage in commercial real estate to help you decide on your investment prospects. 


Complete Control Over Your Investment

If you own commercial property, you have a significant amount of control over your investment. Everything from renovations, upgrading equipment, or even changing what the property is used for can be decided by you.

You have absolute control over whatever happens to the commercial property from development to even just disposing of it entirely. This control is what makes it so forgiving and versatile at the same time as an investment!



Like owning or investing in residential properties, you can leverage your returns by borrowing up to 70% of the initial value of the commercial property you invested in! This can be incredibly both in the short and long run.


Exposure to the Diverse Sectors of the Economy!

Because the commercial property is so diverse, you get exposed to many sectors of the economy. Retail and industrial properties that you own direct link to the general state of the economy because of how the businesses work.

Since consumers spend money on the goods that you sell in your commercial property!


Adding Value to your Commercial Property

Adding value to a commercial property is about as simple as renovating it and making it look better than before. However, if you want to bump up your commercial property’s value, the method is a lot more direct!

Many people think you can’t add value to commercial property, and that’s where you’ve gone wrong. You can increase the rental income of the property itself. Doing this will translate to an increase in the value of your property!

Want to know more about the commercial property or the property market as a whole? Check out the Rethink Investing podcast and learn about the ins and outs!

House and Land Complete Guide to Buying Property in Australia

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Buying property can be a stressful endeavour for a lot of people. It can be incredibly tedious to do, and most of us don’t even know if we’re looking for a property the right way. The nerve-wracking process of buying property isn’t unique to you either – it happens to all of us.

What you purchase is what you’re going to live in for years, if not decades! That means that you can’t go into this blind. Luckily, we’re here to help!

Let us show you everything you need to know about buying a house and land property in Australia!


Knowing House & Land Packages

House and land packages are the ideal options for new homeowners who are tight on a budget. Since the land and the home design are packaged up, the process is a lot simpler and cost-efficient!

There are two types of house and land packages that you can get from a Hillstowe officer:

  • A standard house and land package
  • Turnkey packages

Standard house and land packages allow you to build and fully customize your home at a later date. This grants you a lot more control of what you can do with the land you bought.

Turnkey packages offer you a full property that you can move into right away! You can literally just turn the key to the door and start living in the place that you choose. In both scenarios, the builder and developer will be working together on the construction of the home.


5 Steps To Buying a House and Land Package

So you’re convinced and want to get your hands on a house and land package, hold your horses! Here are some steps you should take for you to sweep through the process.


Do Your Research

This is the most crucial step when buying a house and land package. Understanding what you want and talking to a house and land officer, from the size to the features you can add to the home, will make the transition a lot easier. Checking out the location and picking one that has schools, public transportation, shops, and hospitals nearby is a no brainer.


Approach your Developer of Choice!

After doing your research, approach the developers of properties that you’ve taken an interest in and see which one is right for you. Compare costs, the build time for each one of your choices, and make sure to check for any hidden expenses in the contract.

Getting a financial adviser is a good idea here too!


Organize your Finances

After getting quotes from your builder, you can organize whether you’ll need a home loan or a land loan and construction loan. You can also go to a lender to get a pre-approval on how much you can borrow to help your budget!


Keep Track of the Build

You’ve chosen the design and the features you want to see in your house, but you still have to keep track of the progress. Things can be misinterpreted, and you should be there to make sure everything goes right!


Signing off & Moving in 

The final step is to sign off on legal documents and be prepared to move in. all the patience worked out, and now that the paperwork is out of the way, you can begin your new life in your

4 Easy Ways to Renovate Your Garden

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Whether you’re an avid gardener or simply love hanging out in the garden of your home, there are some easy ways to renovate your garden to make it all the more pleasant. Some of these tips require a little spending while others don’t – pick and choose to find the advice that is most relevant and useful to you, and the space that you are working with. 


Get That Concrete Repaired

If you have old and worn concrete in your garden, whether that’s tiles or smooth concrete, getting concrete repairs in Sydney is a great way of changing up the space. Not sure what type of style you’d like? Need an expert to assess what needs to be done? While you will be paying for the services of a professional, you can leave this in the hands of someone who knows what they’re doing while you sit back and watch the entire space change with just one repair job. You’d be shocked to see some of the before and after pictures of concrete repairs: the results can truly be stunning. You can learn more about materials used in building here


Buy Some New Plants

Plants are becoming an increasingly popular decor item, but gardening has always been a classic way of changing up your outdoor space. It takes a little work, a little planning and a little sweat, but the results will pay off and you’ll be all the more excited about the results you’ve achieved with your own hands. If you don’t have a green thumb, you can invest in plants grown by professionals, and find a pot to suit the styling you’ve already got going.


A Fresh Coat of Paint

This one is great because not only will it transform the mood of any space – if you’ve got kids, you can enlist their help and dole out the brushes and smocks! Painting can be made into a fun activity for the whole family, and again, the final results will feel all the more satisfying as you step back and take in your handiwork. 


Mow the Lawn Once a Fortnight

Look, it’s obvious, but regularly mowing the lawn can do wonders for the appearance of the entire yard. If you’ve done all that work, only for unkempt weeds and long grass to ruin it, that would be a shame. Tie up your laces, get out into the sun and make a habit of moving the lawn more often than most people would think. And don’t forget your hat!


However you decide to approach your garden revamp, we hope these tips have given you a starting point. From simple tasks such as mowing the lawn to tasks that require some grunt work or cash, you can easily achieve polarising results when you know exactly what needs to be done. Good luck with whatever approach you decide to take, and don’t be afraid to enlist the assistance of a professional in the field, should you run into any difficulties on your home renovation journey.

Finding a Bed Throw for Your Child in Australia

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Finding a bed throw for your child can be a process that is time consuming and full of effort, if you don’t know what you are looking for. There are a range of options on the market, and trying to navigate your child’s tastes on top of price can be a difficult task. To make this simple, here are the most popular options perfectly suited to kids. These bed throws in Australia are bound to be the right fit, as they present a wide range of options to suit the personality and needs of your little one, as well as being well-suited to the Australian climate.


What is the Difference Between a Bed Throw and a Blanket?

Firstly, a bed throw is smaller than a blanket. A throw can be draped over couches, chairs, the foot of the bed, or on blanket racks or walls. Throws provide comfort for wherever you’re sitting, whether that’s the lounge or on a chair. As well as providing great warmth, they are a visually pleasing addition to the styling of any room. 


Why Does My Child Need a Throw?

A throw gives a cosy, stylish update to any room. In Australia, a throw can offer that bit of warmth without smothering in the heat, sitting perfectly at the end of a bed, and less heavy than a duvet. However, in the colder months where the temperature truly drops, a throw is the perfect solution. There are a range of throws on the market, which are available at an affordable price. If you’d like to invest in something a little more high-end, there are hand-woven throws made from premium fabrics… but if your child is chronically spilling messes on soft surfaces such as lounge chairs, perhaps this is a sign to invest in something that has warmth without being a disaster if stained. Wait until your child is older before buying them a premium throw blanket.


From chunky cable knit to chain rib angora, there is a range of quality throws you can choose from for your child. Bring your child along when you go shopping, to get a sense of their tastes and the colour schemes that they are drawn to. Ordering online is another great option for busy families, though children, as sensory-driven human beings, won’t necessarily have the same level of input. Use your judgment and know whether an expensive throw will get ruined within five minutes, or go the distance and last your child into adulthood. If all else fails, you can always remove any stain. You just need to know how, and there’s always a way!


We hope you find a throw to reflect the needs, style and personality of your child. There’s something out there for everyone, with just a little bit of hunting. Just think about what best suits the tone and style of the room, as well as the styling of your home in general – with a warm throw, you can expect your child to use it and never let it go – the last thing you want is a hot pink or lurid orange throw in your beige and white living room!

Guide on Building a House in Australia – Here’s What You Need to Know

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Having a home you can call your own is one of every people’s dreams. However, building a house has to go through a lot of stages. It requires a lot of time and money to see your dream home come to life. 

With this in mind, you must have an idea of the steps and stages before you commit to building a home or renovating a property. Here are some of the things that you need to consider and more. 

The Right Location

Before digging into the design and expenses, you must find the right location. Find the right suburb or city to build your dream home. Regardless if you plan to live here for good or rent it out, your location matters. 

Talk to a Builder

It can be tempting to build a house in the Sunshine Coast or any other locations, but this can be a bad idea, especially if this is your first time doing it. It’s highly recommended that you talk to a contractor in the local area.

Aside from having no or less experience in this area, you will also be required to apply for permits and file applications on behalf of a contractor. To avoid any issues in the future, it’s highly recommended to hire a builder and contractor before the project starts. 

Another benefit of having a contractor is you get to save more. In small projects, DIY activities can save you more. However, when it comes to large projects, leaving this to the experts can mean saving more. Aside from this, you can all agree to set time and deadlines for the project!

Prepare the Building Site

The next thing you need to do is to help prepare the land you bought. Here are the essentials before the building process starts:

  • Talk to the surveyor and ensure that you get the original plot drawing with the land’s boundaries. 
  • Make the necessary alterations on your land’s topography, including the water flow and other earth-moving activities, of course, done by your contractor. 
  • Provide the necessities of the buildings before starting the project. Make sure they have portable toilets. Based on the timeline, make sure they have temporary utilities that they can use on-site.

Learn the Construction Phase

Building a home has five primary phases that every future homeowner must know. The first stage is ensuring that it has a strong base. This means laying the foundations and doing the earthworks, such as leveling and strengthening the base. During this time, the underground plumbing will also be established. 

The frames of the home are the focus of the second phase. These are the skeleton and the external and internal basis of the house. The lock-up is the third phase where the electrical plan, plumbing, and installation walls and plasters are installed in the frame. 

After this, fixes are done, including the bathroom, laundry forming, vanities, and other essential spots to shape the home. In this stage, the flooring, paintwork, and shelves will also be installed. 

The construction process is not seen when you visit a display village for home designs. So, make sure to understand the process, so you know what goes on in your home. 

All in all, these are all just overviews of the process that goes into building a home. You’ll definitely learn more when you start building, so don’t get overwhelmed and stay in focus!

Washing Linen Sheets in Australia

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Linen sheets are an investment. Made from premium fabrics and produced with care and experience, sometimes it can feel overwhelming as you wonder how best to care for them. When you wash, store and dry linen sheets properly, they will last you a lifetime. Here’s the best way of washing linen sheets in Australia.

Everyone raves about linen sheets, and for good reason: they are durable, soft and breathable. Linen sheets in Australia, are perfect for warm climates, as well as keeping us warm and snug on colder winter nights. If looked after correctly, they will only get softer and more comfortable with every wash. So how do you know you’re washing them the right way?

Washing Linen Sheets

First off, you should always follow the specific care instructions on the label of your linen sheets. A good rule of thumb is to wash your sheets weekly, in order to have a clean and hygienic night’s sleep, according to healthline. This also ensures the fabric’s longevity, reducing wear and tear as you look after your sheets on a regular basis.

If you’re unsure what detergent you should be using, we’d recommend one with a eucalyptus base. These are generally gentler than other detergents, and linen doesn’t respond well to harsher chemicals and detergents, including bleach. It can damage the material’s fibres.

When you’re loading up the washing machine, make sure the detergent is fully diluted in the water if you are using a top loader. Undiluted detergents will stain the fabric, and we don’t want that!

When you are putting the sheets in the machine, make sure you don’t overfill it. There should be enough room for plenty of water, which needs to be able to rinse through the sheeting. You should always wash on a full cycle with full rinse, using a warm and gentle machine wash of 40 degrees. This way of washing your linen sheets will stop chemicals and bacteria from building up on the material and fibres.

Drying Linen Sheets

To dry linen sheets, follow the instructions. They should be on the care label of your sheets. You can dry sheets naturally in a shady spot (in Australia, they will dry quickly too!) or you can use a dryer. However, there are certain rules that apply to drying linen sheets with a tumble dryer. As a rule, you should avoid tumble drying on a hot setting and be wary of overloading the dryer, as is the case when washing – there needs to be enough space in the dry for the sheeting to properly circulate. Linen, if washed in the correct way, is engineered to actually become softer every time you wash and dry it.

Storing Linen Sheets

You should ensure that your linen sheets are completely dry before you place them in the linen cupboard.

We hope this guide has been helpful in explaining how best to care for your linen sheets. If done well, your linen sheets will last you a lifetime – it’s no wonder so many people invest in the versatile fabric time and time again.

Sigourney Cantelo Shares Her Must-Have Beauty and Style Tips

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It’s easy to say that Sigourney Cantelo knows a lot of things about beauty and style. She was, after all, the former health and beauty editor of Vogue Australia for six years before she launched her own digital platform, Beauticate, where she shares the different beauty routines of high-profile women and offers demonstrations and tips for all the beauty and style buffs out there.

After years of being in the industry, the editor and entrepreneur is now an authority in beauty, style, and everything in between. Here are some of her must-have tips:

  • On her morning beauty routine
    She runs on a tight schedule every day. But after she sends her kids to their respective care, she makes time to meditate for at least 20 minutes. “When you meditate, it gives you serene contentment that I think is the essence of true beauty,” the former Vogue Australia editor said. Cantelo is also practicing Intermittent Fasting where she just drinks two glasses of water or a matcha tea for breakfast.
  • On her morning makeup routine
    Whenever she has events to go to, Cantelo does a full-face makeup using the latest products sent to her. But on her days off, she just puts on her trusty It Cosmetics CC Cream and some Lanolips and she’s good to go. This helps give her skin some rest from makeup so it can breathe and stay healthy. Another great tip she has is to get your lash extensions done so you can go without eye makeup, which is a great way to save time when you’re in a hurry.
  • On her personal style
    She is a big lover of structured and tailored outfits. She says that you have to invest in pieces that will make you look and feel good at work. Her personal preferences include blouses and fitted pants, blazers, dresses, and skirts from Valentino and Isabel Marant. And if you want to dress up your working outfit from day to night, you can add a statement earring or a silk scarf with a coat during the winter. On days when she’s not busy running her business, Cantelo slips into her favourite denim and white tees with flats that make running errands easy.
  • On her favourite beauty brands
    After being in the beauty industry for many years, she has tried almost all types of products out there, making her an authority when it comes to the best brands in the market. She recommends Rationale, Synergie Skin, and Ultraceuticals for cosmeceutical products. Lancome and La Prairie are her go-to skincare brands. Makeup-wise, she swears by Tom Ford, MAC, By Terry, Armani, Chanel, and Nars.

Sigourney Cantelo is definitely one of the best people out there to ask for advice when it comes to beauty and style. In fact, the idea for the name of her website came from a fusion of the words “beautify” and “educate”, thus the name Beauticate. She aims to create a platform where women could learn the tricks of the trade to look and feel good about themselves.

Over-the-Counter Skin Numbing Creams

Over-the-Counter Skin Numbing Creams

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Have you thought about using over-the-counter skin numbing cream when getting a tattoo? Tattoos scare a lot of people and when you’re faced with the needle, most people would want to be knocked out or at least, not be able to feel the pain. It’s understandable because tattoos hurt and unless you’re really brave and able to take the pain, it’s not something you’ll enjoy. However, could it be possible to numb the skin and avoid the pain of the tattoo needle? Well, it could be possible with the use of over-the-counter skin numbing creams.

Numbing before Tattoos

As said, tattoos are painful. Tattoos are created with hundreds of small needle pricks and it could be potentially very painful. Remember, you’re getting treatment from a needle and it’s extremely painful whether or not you’re sitting in the chair for two hours or twenty. However, when you use over-the-counter numbing creams, you might just be able to avoid some of the pain associated with tattooing. You could use Emla cream and hopefully, that’ll help keep the pain to a bare minimum, if none at all. visit: to know more about Numbing Creams And Patches.

Over-the-Counter Skin Numbing Creams

Why Use OTC Creams And How Effective Can They Be?

Despite what you might think, over-the-counter creams can be just as effective as some medications. How is that? Well, the creams have powerful combinations within them and that can absolutely help to numb the skin. Of course, the effectiveness will vary considerably. What you have to remember is that every cream is different and while some creams can be far more effective, others will not. Again, it’s going to depend on a variety of factors such as the strength of the cream and what’s contained within the skin numbing cream. Hopefully, if you’re choosing to use the cream, it’ll work fast and effectively. Learn more about uses of OTC creams.

Should Emla Cream And Others Be Used?

People often say if they’re getting a tattoo they want to experience everything including the pain. That’s a great thing, but when it actually comes time to get the tattoo done, things may be very different. It can be extremely painful to get a tattoo done and as much as you don’t mind pain, tattoos are completely different. Tattooing can take hours to complete and that’s a needle piercing your skin a thousand times over, which is not comfortable, to say the least. That’s why you have to think about skin numbing cream and potentially looking into the use of them. Of course, if you don’t mind pain, then you’re brave and it mightn’t be so bad, but, if you don’t like pain, it’s worth looking at numbing cream. To get more about Emla cream uses to numb normal intact skin, Click here.

Your Call

Over-the-counter skin numbing creams have really become popular over the last few years and it’s easy to see why that is. However, determining whether to use the creams or not really comes down to what the cream is being used for. For example, if you have hurt your arm, numbing the area might ease the pain off for a little while, but that depends on the severity of the injury. If you were getting a tattoo or some piercing done, it might prove a little more effective in those cases. Again, the use of Emla cream as well as other numbing creams, come down to what you feel is best.

Can Lidocaine Creams Really Help Prior To Injections?

Can Lidocaine Creams Really Help Prior To Injections?

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More people use some type of skin numbing cream when they are getting an injection. Why is that? Injections can be quite painful and for those who dislike needles, it’s something which may be required. However, what you have to remember is that lidocaine and other such numbing creams only pierce the top part of the skin. So, while the cream can numb the skin, the body can still feel the pressure of the needle and that’s something to remember. A lot of people think they’ll not feel anything once the cream is applied, but that’s not the case. So, if creams can help prior to injections should you use it and is it really necessary?

Is It Necessary?

There are lots of creams available today, including Emla, and most users say the cream isn’t worth using as you still feel the pressure of the injection. Well, that is to be expected because the cream only goes onto the top part of the skin – or the outer layer – and that is where the pain is felt most. However, once the skin is numbed, they can still feel the injection happening or rather the pressure of it piercing the skin; although the pain shouldn’t really be felt. In some extreme cases, numbing creams are useful and needed because of fears and pains. Depending on the type of injection being carried out, numbing the area sufficiently enough could really help elevate pain to a degree. Why not you check out more information about numbing creams on

Can Lidocaine Creams Really Help Prior To Injections?

Should You Use The Cream?

It’s a personal choice when it comes to lidocaine and other such numbing creams. There are some who will say they do not need to use the cream and that a small injection is nothing to worry about. However, while minor injections are usually fairly painless, others don’t always see them that way. Also, there are all sorts of injections you can get and they can be extremely painful. What is more, if you’re getting several injections at the same time, the pain builds up and it’s quite painful. Using a skin numbing cream can be so useful and it’s something you may want to consider depending on the severity of the injection. Click here to learn about Emla (Lidocaine and Prilocaine) may treat & uses.

Removing Pain

Depending on the exact cream, you could find when applied correctly, the pain does go away. For example, you’re getting an injection to the upper arm; before the injection is to be carried out you could apply the cream so that when the injection does take place you don’t feel a thing. You feel the slight pressure of the injection needle but not the scratchy pain you feel when the needles pierces your skin. It’s ideal and it’s something which could prove very useful for those who get lots of injections on a regular basis. Learn more how Emla and lidocaine can be useful and should be considered also.

Make Injections Painless

Injections are awful at the best of times. For the most part, the injection can be over within a few moments, but the pain lasts a lot longer. Even if you’re okay at handling the sight of the needle, the actual pain to come from it, might be unpleasant. It’s an idea to look at numbing creams, even if it’s not a severe injection. Why not look at skin numbing cream and see what it can do for you?


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