New Year 2025 is here and so is the time to start your days afresh, with utmost energy. And the best way to do so is by revamping your surroundings a bit. This New Year, are you planning to revamp your house? Have you been wondering how to start it? How about starting it with your kitchen? You read that right. We have got some amazing tips and tricks that you can follow and give your old kitchen a new look, which is elegant and aesthetically pleasing as well. Fret not, this won’t make you shell out a fortune. All you need to do is, plan it well and envision how you want the kitchen to look. Let’s help you out a bit.
Also Read: 9 Genius Ways To Keep Your Kitchen Clean
5 Ways You Can Re-Arrange Your Kitchen Without Much Hassle:
1. Pick a colour theme of the kitchen:
To make a space look bright, cosy and elegant, the first thing you need to do is pick the right kind of colour. We suggest going for colours that make a space look bigger and don’t get spoilt easily. For a kitchen setup, it is yet more important to pick a colour mindfully to avoid stains or any kind of grease.
2. Colour the racks and cabinets accordingly:
Don’t need to dispose of the racks and cabinets. If you think the colour of the racks and cabinets doesn’t go with the theme of your kitchen, simply colour them. You can also buy laminates that are easily available in the market and paste them on the racks to make them look new and chic.
3. Add some plants and decorative for a splash of colour:
You can never go wrong with a splash of greens. If you have old glass bottles, clean them and grow some plants to decorate your kitchen setup. You can also grow microgreens and herbs instead. Alongside, buy some colourful posters and frames and paste them on the kitchen doors and walls.
Also Read: Kitchen Tips: 9 Smart Ways To Save Time In Kitchen
Photo Credit: iStock
4. Change the old storage jars:
Dispose of the plastic containers and the disposable containers where you have been storing spices and other kitchen ingredients for so long. Instead, go for some glass or ceramic storage jars of different shapes and sizes to organise the pantry section easily.
5. Exchange the worn-out utensils:
We use different types of utensils daily. This is why, they get worn out after some time. It is important to keep changing them from time to time to make the cooking process easy, healthy and hygienic.
Sounds easy, right? So what are you waiting for? Follow these tips and re-arrange your kitchen this New Year. And yes, do share the picture of your new kitchen setup with us on social media.
About Somdatta SahaExplorer- this is what Somdatta likes to call herself. Be it in terms of food, people or places, all she craves for is to know the unknown. A simple aglio olio pasta or daal-chawal and a good movie can make her day.
Breakfast is the most important meal of the day-it’s what keeps you energized and ready to tackle whatever comes your way. That’s why it’s crucial to make it count with something nutrient-packed. Many people kick off their mornings with eggs, and for good reason! Eggs are protein-rich, super versatile, and help build muscle. Plus, they keep you feeling full for longer, which is great if you’re trying to shed some weight. The best part? You can get creative by throwing in your favorite veggies and spices to whip up a dish that’s both tasty and healthy. Today, we’re spotlighting a broccoli omelette-an easy, nutrient-loaded recipe that’s perfect for your diet. Fun fact: both eggs and broccoli are go-to choices for health-conscious folks. Let’s dig into why this combo is such a winner and how to make it.
Also Read: Broccoli Veggie Kebabs: A Healthy And Delicious Snack To Make Kids Eat Broccoli
Why Broccoli Deserves a Spot in Your Diet
Broccoli might remind you of cauliflower, but it’s brighter and packs a serious nutrient punch. Loaded with vitamin K and C, it works wonders for your immune system. That’s not all-broccoli is brimming with protein, fiber, potassium, phosphorus, and selenium, all of which help bridge any nutritional gaps in your diet. Thanks to its superfood status, it’s no surprise that broccoli is a favorite among fitness enthusiasts. Adding it to your meals isn’t just healthy-it’s smart!
How To Make Broccoli Egg Omelette
A broccoli omelette isn’t just healthy; it’s also ridiculously easy to make. You don’t need a ton of ingredients or time-just a few simple steps, and breakfast is ready! Let’s dive into the recipe.
Start by blanching one cup of broccoli florets for a few minutes, then chop them finely.
Heat one teaspoon of oil in a pan and sauté two tablespoons of finely chopped onions for about two minutes.
Toss in the chopped broccoli and cook for another two minutes. Add black pepper, salt, and chili flakes to taste.
In a separate bowl, crack two eggs and whisk them until smooth. Pour the eggs over the broccoli mixture in the pan, spreading them evenly to cover the veggies.
Cook the omelette on both sides until golden and perfectly done.
Slide the omelette onto a plate, and breakfast is served!
Why You’ll Love It
See how easy that was? No fancy ingredients, no complicated steps-just a simple, nutritious dish you can enjoy any day of the week. Bonus: this omelette won’t mess with your weight-loss goals, so you can dig in guilt-free. Add it to your breakfast routine, and start your day the healthy (and delicious) way!
Do you ever feel like your home isn’t keeping up with your busy schedule? For people with a fast-paced lifestyle, creating a home that meets daily demands can be a game-changer. An efficient and functional home can save time, reduce stress, and make it easier to tackle the day. With a few key upgrades, you can transform your living space into one that supports your busy life.
From modern storage solutions to time-saving appliances, many upgrades are designed with convenience in mind. When your home is set up to work for you, routines flow more smoothly, and you have more time to focus on what matters most.
In this blog, we will share practical tips for upgrading your home to fit a fast-paced lifestyle.
Streamline Your Entryway
The entryway is often the first place you see when you walk in and the last place you pass on your way out. A well-organized entryway can help make your mornings smoother and keep clutter from piling up. Add hooks for coats and bags, a shoe rack to keep footwear tidy, and baskets or bins for smaller items like keys, wallets, and mail.
By setting up a functional entryway, you’ll save time finding what you need and prevent clutter from spreading into other areas of your home. A streamlined entryway makes getting out the door in the morning easier and less stressful.
Refresh the Bathroom with Practical Upgrades
The bathroom is a space you use every day, so making it efficient and comfortable is essential. Upgrading your shower can make a big difference, especially for those with busy schedules. The right setup can save time, provide a refreshing experience, and help you start or end your day feeling relaxed and recharged. Many people turn to shower remodels to create a space that supports quick and refreshing routines. Features like rain showerheads, adjustable settings, and built-in storage for essentials make daily showers feel more luxurious while saving you time.
Consider adding a double sink if you share the bathroom with a partner, or install good lighting for getting ready in the mornings. Small upgrades in the bathroom can enhance your routine and make mornings easier.
Optimize Your Kitchen for Quick Meals
For those who juggle work, family, and social life, the kitchen can be a key area to upgrade. Consider adding modern appliances that make cooking fast and easy. Air fryers, instant pots, and other smart appliances can help you prepare meals in less time. Organize your pantry and cabinets so that everyday items are within reach, and think about installing a pull-out pantry or adding drawer organizers to keep things tidy.
A well-organized, functional kitchen makes cooking faster and more enjoyable, which can be a huge advantage when you’re short on time. Simple kitchen upgrades can transform meal prep from a chore into a quick, stress-free experience.
Use Smart Storage Solutions Clutter can slow you down and make your home feel chaotic. Using smart storage solutions can help keep things organized and easy to find. Built-in cabinets, floating shelves, and under-the-bed storage are great ways to make the most of your space without adding bulk. For a fast-paced lifestyle, it’s helpful to keep items you use daily within easy reach while tucking away less frequently used items.
Storage solutions that are functional and easy to access can save you time and reduce the stress of clutter. An organized home feels more peaceful and allows you to move through your day without distractions.
Create a Relaxing Bedroom Setup
After a long, busy day, your bedroom should feel like a place to unwind. Simple upgrades can make your bedroom feel more inviting and restful. Choose bedding that feels comfortable, add blackout curtains to block light, and consider a sound machine if you live in a noisy area.
If you’re short on space, use floating shelves or wall-mounted bedside tables to keep surfaces clear. A well-organized bedroom helps create a calm atmosphere, allowing you to recharge fully for the day ahead.
Add a Functional Workspace
Many people today work from home, even if only occasionally. A designated workspace can help you stay focused and productive. Choose a spot in your home where you can set up a small desk, comfortable chair, and any office supplies you need. Good lighting is essential, so make sure your workspace is well-lit with natural or task lighting.
If you have limited space, consider a fold-out desk or a small workspace in a corner. Having a dedicated area for work can help you separate work from leisure time, which helps maintain balance in a busy lifestyle.
Upgrade to Smart Home Devices
Smart home devices can simplify tasks around the house, saving you time and effort. Devices like smart thermostats, automated blinds, and voice-activated assistants allow you to control various aspects of your home with minimal effort. For example, you can adjust your thermostat remotely or set reminders for daily tasks.
Smart home devices can make it easier to manage your home without being hands-on. With features that adapt to your routine, these devices are perfect for anyone looking to create a more efficient and comfortable living environment.
Invest in Easy-to-Clean Surfaces
Cleaning is a task that can take up time, especially in a busy lifestyle. Upgrading to easy-to-clean surfaces, like quartz countertops or tile flooring, can make maintaining your home easier. These materials are durable and resistant to stains, allowing you to clean up quickly after cooking or daily activities.
Choosing surfaces that don’t require frequent maintenance helps reduce the time you spend on chores. An easy-to-clean home means you can keep things tidy with less effort, freeing up time for other important parts of your life.
Consider a Multipurpose Room
A multipurpose room can serve different needs and adapt to your lifestyle changes. For example, a guest room can double as a home office or exercise area when not in use. By creating a flexible space, you can make your homework better for your everyday needs.
If you’re tight on space, try adding furniture that can serve multiple functions, like a sofa bed or a fold-out desk. Multipurpose rooms are ideal for busy households, as they allow you to make the most of every area without overcrowding your home.
In a nutshell, creating a home that supports a fast-paced lifestyle is all about making smart choices. From simple upgrades in the bathroom to organizing your kitchen for quicker meals, these changes can make daily life smoother and more enjoyable. When your home is designed to match your needs, you save time, reduce stress, and create a space that feels comfortable and efficient.
How will you start upgrading your home to fit your busy life? Even small changes can make a big impact, helping your home feel like a true partner in your lifestyle.
Do you ever feel like your home isn’t keeping up with your busy schedule? For people with a fast-paced lifestyle, creating a home that meets daily demands can be a game-changer. An efficient and functional home can save time, reduce stress, and make it easier to tackle the day. With a few key upgrades, you can transform your living space into one that supports your busy life.
From modern storage solutions to time-saving appliances, many upgrades are designed with convenience in mind. When your home is set up to work for you, routines flow more smoothly, and you have more time to focus on what matters most.
In this blog, we will share practical tips for upgrading your home to fit a fast-paced lifestyle.
Streamline Your Entryway
The entryway is often the first place you see when you walk in and the last place you pass on your way out. A well-organized entryway can help make your mornings smoother and keep clutter from piling up. Add hooks for coats and bags, a shoe rack to keep footwear tidy, and baskets or bins for smaller items like keys, wallets, and mail.
By setting up a functional entryway, you’ll save time finding what you need and prevent clutter from spreading into other areas of your home. A streamlined entryway makes getting out the door in the morning easier and less stressful.
Refresh the Bathroom with Practical Upgrades
The bathroom is a space you use every day, so making it efficient and comfortable is essential. Upgrading your shower can make a big difference, especially for those with busy schedules. The right setup can save time, provide a refreshing experience, and help you start or end your day feeling relaxed and recharged. Many people turn to shower remodels to create a space that supports quick and refreshing routines. Features like rain showerheads, adjustable settings, and built-in storage for essentials make daily showers feel more luxurious while saving you time.
Consider adding a double sink if you share the bathroom with a partner, or install good lighting for getting ready in the mornings. Small upgrades in the bathroom can enhance your routine and make mornings easier.
Optimize Your Kitchen for Quick Meals
For those who juggle work, family, and social life, the kitchen can be a key area to upgrade. Consider adding modern appliances that make cooking fast and easy. Air fryers, instant pots, and other smart appliances can help you prepare meals in less time. Organize your pantry and cabinets so that everyday items are within reach, and think about installing a pull-out pantry or adding drawer organizers to keep things tidy.
A well-organized, functional kitchen makes cooking faster and more enjoyable, which can be a huge advantage when you’re short on time. Simple kitchen upgrades can transform meal prep from a chore into a quick, stress-free experience.
Use Smart Storage Solutions Clutter can slow you down and make your home feel chaotic. Using smart storage solutions can help keep things organized and easy to find. Built-in cabinets, floating shelves, and under-the-bed storage are great ways to make the most of your space without adding bulk. For a fast-paced lifestyle, it’s helpful to keep items you use daily within easy reach while tucking away less frequently used items.
Storage solutions that are functional and easy to access can save you time and reduce the stress of clutter. An organized home feels more peaceful and allows you to move through your day without distractions.
Create a Relaxing Bedroom Setup
After a long, busy day, your bedroom should feel like a place to unwind. Simple upgrades can make your bedroom feel more inviting and restful. Choose bedding that feels comfortable, add blackout curtains to block light, and consider a sound machine if you live in a noisy area.
If you’re short on space, use floating shelves or wall-mounted bedside tables to keep surfaces clear. A well-organized bedroom helps create a calm atmosphere, allowing you to recharge fully for the day ahead.
Add a Functional Workspace
Many people today work from home, even if only occasionally. A designated workspace can help you stay focused and productive. Choose a spot in your home where you can set up a small desk, comfortable chair, and any office supplies you need. Good lighting is essential, so make sure your workspace is well-lit with natural or task lighting.
If you have limited space, consider a fold-out desk or a small workspace in a corner. Having a dedicated area for work can help you separate work from leisure time, which helps maintain balance in a busy lifestyle.
Upgrade to Smart Home Devices
Smart home devices can simplify tasks around the house, saving you time and effort. Devices like smart thermostats, automated blinds, and voice-activated assistants allow you to control various aspects of your home with minimal effort. For example, you can adjust your thermostat remotely or set reminders for daily tasks.
Smart home devices can make it easier to manage your home without being hands-on. With features that adapt to your routine, these devices are perfect for anyone looking to create a more efficient and comfortable living environment.
Invest in Easy-to-Clean Surfaces
Cleaning is a task that can take up time, especially in a busy lifestyle. Upgrading to easy-to-clean surfaces, like quartz countertops or tile flooring, can make maintaining your home easier. These materials are durable and resistant to stains, allowing you to clean up quickly after cooking or daily activities.
Choosing surfaces that don’t require frequent maintenance helps reduce the time you spend on chores. An easy-to-clean home means you can keep things tidy with less effort, freeing up time for other important parts of your life.
Consider a Multipurpose Room
A multipurpose room can serve different needs and adapt to your lifestyle changes. For example, a guest room can double as a home office or exercise area when not in use. By creating a flexible space, you can make your homework better for your everyday needs.
If you’re tight on space, try adding furniture that can serve multiple functions, like a sofa bed or a fold-out desk. Multipurpose rooms are ideal for busy households, as they allow you to make the most of every area without overcrowding your home.
In a nutshell, creating a home that supports a fast-paced lifestyle is all about making smart choices. From simple upgrades in the bathroom to organizing your kitchen for quicker meals, these changes can make daily life smoother and more enjoyable. When your home is designed to match your needs, you save time, reduce stress, and create a space that feels comfortable and efficient.
How will you start upgrading your home to fit your busy life? Even small changes can make a big impact, helping your home feel like a true partner in your lifestyle.
Do you ever feel like your home isn’t keeping up with your busy schedule? For people with a fast-paced lifestyle, creating a home that meets daily demands can be a game-changer. An efficient and functional home can save time, reduce stress, and make it easier to tackle the day. With a few key upgrades, you can transform your living space into one that supports your busy life.
From modern storage solutions to time-saving appliances, many upgrades are designed with convenience in mind. When your home is set up to work for you, routines flow more smoothly, and you have more time to focus on what matters most.
In this blog, we will share practical tips for upgrading your home to fit a fast-paced lifestyle.
Streamline Your Entryway
The entryway is often the first place you see when you walk in and the last place you pass on your way out. A well-organized entryway can help make your mornings smoother and keep clutter from piling up. Add hooks for coats and bags, a shoe rack to keep footwear tidy, and baskets or bins for smaller items like keys, wallets, and mail.
By setting up a functional entryway, you’ll save time finding what you need and prevent clutter from spreading into other areas of your home. A streamlined entryway makes getting out the door in the morning easier and less stressful.
Refresh the Bathroom with Practical Upgrades
The bathroom is a space you use every day, so making it efficient and comfortable is essential. Upgrading your shower can make a big difference, especially for those with busy schedules. The right setup can save time, provide a refreshing experience, and help you start or end your day feeling relaxed and recharged. Many people turn to shower remodels to create a space that supports quick and refreshing routines. Features like rain showerheads, adjustable settings, and built-in storage for essentials make daily showers feel more luxurious while saving you time.
Consider adding a double sink if you share the bathroom with a partner, or install good lighting for getting ready in the mornings. Small upgrades in the bathroom can enhance your routine and make mornings easier.
Optimize Your Kitchen for Quick Meals
For those who juggle work, family, and social life, the kitchen can be a key area to upgrade. Consider adding modern appliances that make cooking fast and easy. Air fryers, instant pots, and other smart appliances can help you prepare meals in less time. Organize your pantry and cabinets so that everyday items are within reach, and think about installing a pull-out pantry or adding drawer organizers to keep things tidy.
A well-organized, functional kitchen makes cooking faster and more enjoyable, which can be a huge advantage when you’re short on time. Simple kitchen upgrades can transform meal prep from a chore into a quick, stress-free experience.
Use Smart Storage Solutions Clutter can slow you down and make your home feel chaotic. Using smart storage solutions can help keep things organized and easy to find. Built-in cabinets, floating shelves, and under-the-bed storage are great ways to make the most of your space without adding bulk. For a fast-paced lifestyle, it’s helpful to keep items you use daily within easy reach while tucking away less frequently used items.
Storage solutions that are functional and easy to access can save you time and reduce the stress of clutter. An organized home feels more peaceful and allows you to move through your day without distractions.
Create a Relaxing Bedroom Setup
After a long, busy day, your bedroom should feel like a place to unwind. Simple upgrades can make your bedroom feel more inviting and restful. Choose bedding that feels comfortable, add blackout curtains to block light, and consider a sound machine if you live in a noisy area.
If you’re short on space, use floating shelves or wall-mounted bedside tables to keep surfaces clear. A well-organized bedroom helps create a calm atmosphere, allowing you to recharge fully for the day ahead.
Add a Functional Workspace
Many people today work from home, even if only occasionally. A designated workspace can help you stay focused and productive. Choose a spot in your home where you can set up a small desk, comfortable chair, and any office supplies you need. Good lighting is essential, so make sure your workspace is well-lit with natural or task lighting.
If you have limited space, consider a fold-out desk or a small workspace in a corner. Having a dedicated area for work can help you separate work from leisure time, which helps maintain balance in a busy lifestyle.
Upgrade to Smart Home Devices
Smart home devices can simplify tasks around the house, saving you time and effort. Devices like smart thermostats, automated blinds, and voice-activated assistants allow you to control various aspects of your home with minimal effort. For example, you can adjust your thermostat remotely or set reminders for daily tasks.
Smart home devices can make it easier to manage your home without being hands-on. With features that adapt to your routine, these devices are perfect for anyone looking to create a more efficient and comfortable living environment.
Invest in Easy-to-Clean Surfaces
Cleaning is a task that can take up time, especially in a busy lifestyle. Upgrading to easy-to-clean surfaces, like quartz countertops or tile flooring, can make maintaining your home easier. These materials are durable and resistant to stains, allowing you to clean up quickly after cooking or daily activities.
Choosing surfaces that don’t require frequent maintenance helps reduce the time you spend on chores. An easy-to-clean home means you can keep things tidy with less effort, freeing up time for other important parts of your life.
Consider a Multipurpose Room
A multipurpose room can serve different needs and adapt to your lifestyle changes. For example, a guest room can double as a home office or exercise area when not in use. By creating a flexible space, you can make your homework better for your everyday needs.
If you’re tight on space, try adding furniture that can serve multiple functions, like a sofa bed or a fold-out desk. Multipurpose rooms are ideal for busy households, as they allow you to make the most of every area without overcrowding your home.
In a nutshell, creating a home that supports a fast-paced lifestyle is all about making smart choices. From simple upgrades in the bathroom to organizing your kitchen for quicker meals, these changes can make daily life smoother and more enjoyable. When your home is designed to match your needs, you save time, reduce stress, and create a space that feels comfortable and efficient.
How will you start upgrading your home to fit your busy life? Even small changes can make a big impact, helping your home feel like a true partner in your lifestyle.
Imagine a home that fits perfectly with where you are in life – simpler, more manageable and filled with possibilities. For downsizing Australians approaching retirement age, this means navigating the logistics of getting all your belongings to fit into your new place while managing your finances effectively to live a more comfortable lifestyle.
The housing market recently reached a total value of $11 trillion and the median Australian house price has risen by more than 380 per cent over the past 30 years. This has been a major factor behind the fastest wealth increases for Australians aged over 55.
Knowing how to use your existing property when thinking of downsizing to help fund a more comfortable retirement has been made easier, with the federal government introducing the Downsizer Contribution Scheme.
The great Australian dream. Now being sold around the country by downsizers. Photo: Domain.
Downsizers can unlock thousands of dollars in equity when selling and downsizing their home, says Jason McLean, strategic advice manager at Ord Minnett, an Australian-owned wealth and investment firm.
He says if you’re aged 55 and over, you can contribute $300,000 – or $600,000 as a couple – to your superannuation from the sale of your home without it counting towards regular contribution caps. You’re also exempt from the $1.9 million total superannuation balance test.
“When you combine the maximum superannuation downsizer contribution [SDC] with other, non-concessional, contribution limits over two financial years, you can contribute up to $1.56 million into your superannuation,” McLean says.
Ground floor apartments are popular with downsizers or people with pets. Photo: Domain.
It’s a hefty sum when data from the Australian Bureau of Statistics (ABS) and Reserve Bank of Australia (RBA) suggests the top 20 per cent of households in Australia each have between $1.5 million and $2.5 million in equity.
To qualify, McLean says you must have owned your home for at least 10 years, it must be in Australia, and it can’t be a caravan, houseboat or mobile home. You can also only make an SDC from one home sale, and it must be done quickly.
“The key thing we see most people forget is that the contribution must be made within 90 days of receiving the proceeds of the sale,” McLean says.
Preparing to make your equity go further
Before buying the next property with the proceeds of the sale, it’s important for downsizers to create a budget that includes agent fees, marketing, payment to solicitors and stamp duty.
Also, keep in mind capital gains tax. While private homes are exempt, if your current home has been rented or used to run a business there may be tax to pay upon selling.
After doing your due diligence on your next property by arranging a building and pest inspection and getting to know the owner’s corporation rules, downsizers can use the equity of the sale to buy the new property, unlock the excess and invest it to maximise comfortable living well into retirement age.
Intelligent investment with the assistance of professionals can help make retirement easier. Photo: Aleksandar Nakic
Ord Minnett private wealth advisers Peter McCormack and Callum Bryant create and manage tailored investment portfolios for every stage of a client’s wealth journey. Each portfolio is client-specific and designed to meet their income needs in retirement, including after downsizing.
“We work closely with you to determine your income goals, assess your assets, and allocate investments to ensure the money from the sale of your home goes on to generate the cash flow,” McCormack says. “We try to break it down mathematically and, once you show someone the cash flow that can be generated from a good-quality investment portfolio, they start to … enjoy their retirement and their life from there on.”
Return on investment is not only the guiding principle at Ord Minnett. There’s also a level of care, personalisation and relationship-building attached to each client. “We understand that our clients are trusting us to manage wealth that has taken a lifetime to build,” says Bryant. “So with this in mind, we work closely with our team of research analysts to construct portfolios with a diligent, thorough approach to help our clients experience financial peace of mind.”
Ord Minnett specialise in assisting downsizers transitioning to their next chapter. For further information on retirement planning and downsizing strategies, visit Ord Minnett.
Imagine a home that fits perfectly with where you are in life – simpler, more manageable and filled with possibilities. For downsizing Australians approaching retirement age, this means navigating the logistics of getting all your belongings to fit into your new place while managing your finances effectively to live a more comfortable lifestyle.
The housing market recently reached a total value of $11 trillion and the median Australian house price has risen by more than 380 per cent over the past 30 years. This has been a major factor behind the fastest wealth increases for Australians aged over 55.
Knowing how to use your existing property when thinking of downsizing to help fund a more comfortable retirement has been made easier, with the federal government introducing the Downsizer Contribution Scheme.
The great Australian dream. Now being sold around the country by downsizers. Photo: Domain.
Downsizers can unlock thousands of dollars in equity when selling and downsizing their home, says Jason McLean, strategic advice manager at Ord Minnett, an Australian-owned wealth and investment firm.
He says if you’re aged 55 and over, you can contribute $300,000 – or $600,000 as a couple – to your superannuation from the sale of your home without it counting towards regular contribution caps. You’re also exempt from the $1.9 million total superannuation balance test.
“When you combine the maximum superannuation downsizer contribution [SDC] with other, non-concessional, contribution limits over two financial years, you can contribute up to $1.56 million into your superannuation,” McLean says.
Ground floor apartments are popular with downsizers or people with pets. Photo: Domain.
It’s a hefty sum when data from the Australian Bureau of Statistics (ABS) and Reserve Bank of Australia (RBA) suggests the top 20 per cent of households in Australia each have between $1.5 million and $2.5 million in equity.
To qualify, McLean says you must have owned your home for at least 10 years, it must be in Australia, and it can’t be a caravan, houseboat or mobile home. You can also only make an SDC from one home sale, and it must be done quickly.
“The key thing we see most people forget is that the contribution must be made within 90 days of receiving the proceeds of the sale,” McLean says.
Preparing to make your equity go further
Before buying the next property with the proceeds of the sale, it’s important for downsizers to create a budget that includes agent fees, marketing, payment to solicitors and stamp duty.
Also, keep in mind capital gains tax. While private homes are exempt, if your current home has been rented or used to run a business there may be tax to pay upon selling.
After doing your due diligence on your next property by arranging a building and pest inspection and getting to know the owner’s corporation rules, downsizers can use the equity of the sale to buy the new property, unlock the excess and invest it to maximise comfortable living well into retirement age.
Intelligent investment with the assistance of professionals can help make retirement easier. Photo: Aleksandar Nakic
Ord Minnett private wealth advisers Peter McCormack and Callum Bryant create and manage tailored investment portfolios for every stage of a client’s wealth journey. Each portfolio is client-specific and designed to meet their income needs in retirement, including after downsizing.
“We work closely with you to determine your income goals, assess your assets, and allocate investments to ensure the money from the sale of your home goes on to generate the cash flow,” McCormack says. “We try to break it down mathematically and, once you show someone the cash flow that can be generated from a good-quality investment portfolio, they start to … enjoy their retirement and their life from there on.”
Return on investment is not only the guiding principle at Ord Minnett. There’s also a level of care, personalisation and relationship-building attached to each client. “We understand that our clients are trusting us to manage wealth that has taken a lifetime to build,” says Bryant. “So with this in mind, we work closely with our team of research analysts to construct portfolios with a diligent, thorough approach to help our clients experience financial peace of mind.”
Ord Minnett specialise in assisting downsizers transitioning to their next chapter. For further information on retirement planning and downsizing strategies, visit Ord Minnett.
Imagine a home that fits perfectly with where you are in life – simpler, more manageable and filled with possibilities. For downsizing Australians approaching retirement age, this means navigating the logistics of getting all your belongings to fit into your new place while managing your finances effectively to live a more comfortable lifestyle.
The housing market recently reached a total value of $11 trillion and the median Australian house price has risen by more than 380 per cent over the past 30 years. This has been a major factor behind the fastest wealth increases for Australians aged over 55.
Knowing how to use your existing property when thinking of downsizing to help fund a more comfortable retirement has been made easier, with the federal government introducing the Downsizer Contribution Scheme.
The great Australian dream. Now being sold around the country by downsizers. Photo: Domain.
Downsizers can unlock thousands of dollars in equity when selling and downsizing their home, says Jason McLean, strategic advice manager at Ord Minnett, an Australian-owned wealth and investment firm.
He says if you’re aged 55 and over, you can contribute $300,000 – or $600,000 as a couple – to your superannuation from the sale of your home without it counting towards regular contribution caps. You’re also exempt from the $1.9 million total superannuation balance test.
“When you combine the maximum superannuation downsizer contribution [SDC] with other, non-concessional, contribution limits over two financial years, you can contribute up to $1.56 million into your superannuation,” McLean says.
Ground floor apartments are popular with downsizers or people with pets. Photo: Domain.
It’s a hefty sum when data from the Australian Bureau of Statistics (ABS) and Reserve Bank of Australia (RBA) suggests the top 20 per cent of households in Australia each have between $1.5 million and $2.5 million in equity.
To qualify, McLean says you must have owned your home for at least 10 years, it must be in Australia, and it can’t be a caravan, houseboat or mobile home. You can also only make an SDC from one home sale, and it must be done quickly.
“The key thing we see most people forget is that the contribution must be made within 90 days of receiving the proceeds of the sale,” McLean says.
Preparing to make your equity go further
Before buying the next property with the proceeds of the sale, it’s important for downsizers to create a budget that includes agent fees, marketing, payment to solicitors and stamp duty.
Also, keep in mind capital gains tax. While private homes are exempt, if your current home has been rented or used to run a business there may be tax to pay upon selling.
After doing your due diligence on your next property by arranging a building and pest inspection and getting to know the owner’s corporation rules, downsizers can use the equity of the sale to buy the new property, unlock the excess and invest it to maximise comfortable living well into retirement age.
Intelligent investment with the assistance of professionals can help make retirement easier. Photo: Aleksandar Nakic
Ord Minnett private wealth advisers Peter McCormack and Callum Bryant create and manage tailored investment portfolios for every stage of a client’s wealth journey. Each portfolio is client-specific and designed to meet their income needs in retirement, including after downsizing.
“We work closely with you to determine your income goals, assess your assets, and allocate investments to ensure the money from the sale of your home goes on to generate the cash flow,” McCormack says. “We try to break it down mathematically and, once you show someone the cash flow that can be generated from a good-quality investment portfolio, they start to … enjoy their retirement and their life from there on.”
Return on investment is not only the guiding principle at Ord Minnett. There’s also a level of care, personalisation and relationship-building attached to each client. “We understand that our clients are trusting us to manage wealth that has taken a lifetime to build,” says Bryant. “So with this in mind, we work closely with our team of research analysts to construct portfolios with a diligent, thorough approach to help our clients experience financial peace of mind.”
Ord Minnett specialise in assisting downsizers transitioning to their next chapter. For further information on retirement planning and downsizing strategies, visit Ord Minnett.
With the first two land releases sold out and over 10,000 registrations of interest in six months, Orchard Hills North is proving to be popular.
The latest development by Legacy Property is attracting buyers seeking a modern, well-connected community that boasts top environmental and sustainable principles at its heart.
With blocks of land starting at $700k and house and land packages from $1.1m, the next land release will be available in October, and buyers are being encouraged to act fast.
“The suburb of Orchard Hills is characterised by beautiful rolling hills and an outlook to the Blue Mountains.
“Residents will enjoy the beautiful views but will also experience significant benefits from the inclusion of sustainability initiatives,” said Steve Barlow, Development Director at Legacy Property.
Residents are drawn the the lush greenery and space on offer at Orchard Hills North.
Amenities and infrastructure
The estate offers a master-planned community which will include a village centre with shops, a lake, and a proposed primary school.
“This village centre will form an engaging neighbourhood focal point with connecting parkland and waterways providing many opportunities for recreation and relaxation,” said Mr Barlow.
Education and childcare facilities are also in close by, including Western Sydney University and TAFE, making it ideal for both young and mature families.
Eco-friendly and sustainable practices have been incorporated into the design, enhancing the pre-existing natural landscape.
“Legacy Property’s vision for Orchard Hills North is to deliver a new community that seeks to combat the urban heat island effect by incorporating innovative cooling measures,” explained Mr Barlow.
The creek line and surrounding greenery will be retained and landscaped to create a ‘green spine’ that runs through the community. The use of trees and vegetation will help to keep the homes and outdoor spaces cool.
Rainwater will also be harvested and reused along the streetscapes, while stormwater will be directed to verges for irrigation.
This will be a cool, green community with innovative measures in place to benefit residents.
Connectivity and transport
One of Orchard Hills North’s standout features is its connectivity.
Situated within easy access of major highways, residents can explore the surrounding areas, including the centre of Penrith, which is just a 12-minute drive away, and Sydney CBD, which is a 45-minute drive away via the M4.
Public transport facilities are also available, with bus services and the nearby Metro station of Orchard Hills set to open in 2025, just 2km down the road, offering regular routes to the city and surrounding areas.
The new Western Sydney airport is just 14km away.
Recreation and entertainment
With picturesque parks, playgrounds, nature trails and sporting fields, there will be something to keep every resident entertained.
The estate also boasts 19 hectares of open spaces and a central lake. A community centre is planned, which will include facilities for indoor sports, social gatherings, and hobby clubs.
The surrounding natural beauty is another reason why buyers are joining the community.
With easy access to the stunning Blue Mountains and nearby national parks, weekends can include hiking or scenic picnics.
Demand and success
Orchard Hills North has seen strong demand since its launch, selling out the first two land releases.
Buyers range from first-time homebuyers and young professionals to families and investors.
The development has been incredibly popular among buyers.
“We’ve seen that more than half of buyers have been families looking to upgrade to a new home and be close to great amenities,” said Mr Barlow.
“They are moving from an established home or apartment, looking to build a brand-new home for their family.
First home buyers have also been active with local couples looking to secure land for their future.
While investors have also been attracted to Orchard Hills North for its future growth potential.”
Orchard Hills North offers a unique blend of modern living, sustainability, and connectivity, making it an ideal choice for lifestyle seekers.
With all this on offer, interested buyers will need to act quickly. For more information and to register for the next land release, visit www.orchardhillsnorth.com.au.
Congress will have an unprecedented amount of security when it certifies the winner of the presidential election in January, at a level typically seen for the Olympic Games and gatherings of world leaders like the Nato summit.
The US Secret Service said the decision to treat the procedure at the Capitol as a “national special security event” was made after they received numerous calls from politicians, including Washington’s mayor.
The agency said the classification will allow for “significant resources” at local, state and federal levels and a “comprehensive security plan”.
This will be the first time lawmakers confirm election results since the US Capitol riot, when supporters of former President Donald Trump violently breached the complex.
A mob broke into Congress on 6 January 2021, sending lawmakers fleeing as they were certifying President Joe Biden’s election victory three months earlier.
Trump is again running for president in a close race against Vice-President Kamala Harris. His running mate, JD Vance, recently said that if he had been US vice-president in 2021 he would not have certified the election results.
An attempt to assassinate Trump in July has also stoked security fears surrounding the election.
The Secret Service said they received multiple requests for upgraded security, including from Washington’s mayor and members of the House committee investigating the 2021 riots.
The agency said the classification of “national special security event” will allow for “significant resources” for local, state and federal agencies and will lead to the creation of a “comprehensive security plan”.
In Tuesday’s presidential debate, Trump blamed then-House Speaker Nancy Pelosi and Washington Mayor Muriel Bowser for the 2021 riot, saying Bowser had turned down his offer to have the National Guard at the Capitol on 6 January.
Bowser, however, has said the president never made the offer and that as president, he had controlled the troops.
Events that have had the high-level security designation in the past include presidential inaugurations, the UN General Assembly, Nato summits and the 2002 Winter Olympic Games in Utah.
Meanwhile, US Attorney General Merrick Garland condemned “an escalation of attacks” against the justice department in a speech on Thursday.
America’s top law official pushed back on “conspiracy theories, dangerous falsehoods…and threats of actual violence” that endanger the department’s employees.
The justice department has faced criticism from Republicans and Democrats for its handling of various politically charged investigations into both Trump and Biden.
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