Minella’s thoughts and articles

Australian households are in record levels of debt, and for the first time have surpassed American levels.

Reserve bank figures show household debt - the combination of personal and mortgage debt - is equivalent to Australia’s GDP.

That means every adult owes an average of $74,000.

Analysts warn that the financial crisis that rocked Main Street in America could well hit Australian families in 2010.

Economics Professor Steve Keen at the University of Western Sydney says it is a sign that families are under financial stress.

“We now have an enormous proportion of income that has to be devoted to paying back interest payments,” he said.

“Even if you leave aside the interest payment fact, if you want to reduce your debt now where it would have taken you on average for Australians back in 1990 it would have taken just a few months, now it would take them a year to get back down to the zero mark.”

However the Council of Social Service says there is already a debt crisis and it will only get worse unless the Federal Government steps in, with the numbers of new families asking charities for help set to increase next year.

The council’s director, Alison Peters, says the Government needs to boost its support.

“We think there needs to be more support given to organisations like local neighbourhood centre like the major charities to be able to assist those people who are really desperate for assistance,” he said.

“A number of our organisations have already reported to us and indeed to the Government that they are seeing not only new families coming forward seeking assistance but many families are coming back again and again for assistance because they really are struggling.”

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If you’re planning a vacation in Florence and are making decisions regarding accommodations, be sure to include a Florence residence along with your other options. You may find that in terms of comfort, cost, and amenities, this is a good choice. You can find short-term apartment rentals in Florence as well as Florence luxury apartments. Besides elegant hotels in Florence, you may find that the elegance, ambience, and comfort of a residence hotel are better suited to your needs.





There are many examples of a Florence residence that is available for leasing to tourists: some of them are housed in ancient buildings, dating to the 1400s or 1500s. They are usually located in the center of the city and overlook the Duomo, the Uffizi Gallery or Piazza della Signoria. Florence offers also an extraordinary view of cloister (S. Spirito’s Church, for instance) with antiquities marketplaces as well as delightful restaurants.





In Ponte Vecchio there are workshops in gold and wood, along with antique dealers. Many of the residences in the historical center of the city are near the sites you will want to visit. The residence hotels in Florence often offer tourist packages, which you can find on their websites, but it also offers single, double, and triple apartments for lease. Prices are comparable to those for a hotel room.





Some of the residences in Florence offer the same comfort as an hotel but give you the freedom to feel as at your own home. Refurbished apartments with modern facilities are available in many of the hotel apartments that stay in a central location and this makes the sites you want to visit in Florence conveniently near to your rooms. Most of what you will want to see is within walking distance. For example, the famous David by Michelangelo, located at the Accademia Gallery is not far.





From almost every block around the city center, the Uffizi Gallery can be reached in ten minutes on foot, not to mention shops featuring famous Italian brands and cafes, restaurants, and theaters. Many elegant residences in Florence offer free DSL Internet to meet tourists’ needs as well as those of visiting businessmen. The suites may have kitchens and grocery suppliers will deliver on request. On the other hand, restaurants are close by and they will also deliver food to your door if you wish.





Maybe you are looking for a special place where to spend your holiday or a romantic honey moon. You have to be adviced that you can easily find charming hotels and residences in some of the most exclusive and peaceful areas in Florence. Viale Michelangiolo, for instance, which runs along the river bank and within walking distance of the historical center of Florence. Important monuments such as Ponte Vecchi, Pitti Palace, Uffizi Gallery, the Florence Dome, and the church of Santa Groce are also near from Piazzale Michelangiolo.





You can book suites at any of the elegant residence hotels online, and you will find a surprising number of options and amenities. This is certainly the best place to spend your holiday in Florence, because a residence offers the comfort of a hotel in a whole apartment: it’s like to stay at home away from home!

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The ideal shade tree, should be one with a comparatively deep root system and a crown that allows some light and rain water to filter through it. Also, look for one that will not grow to such a great size that it will ultimately dwarf the house and the property upon which it stands.

Street Tree

In addition to those qualifications an ideal shade tree, which is also a good street tree should have a tall, straight trunk that can be pruned of its lower branches for a considerable height. It should be able to withstand to difficult conditions imposed by impure air (in cities and industrial areas), by hard paved streets, sidewalks and parking lots, and by occasional bumps from vehicles, etc.

Notice Shadow Patterns

If you will notice the shadows patterns cast upon the ground, sidewalks, or the walls of your house by different leaf formations, you will begin to appreciate the fine points of the types of foliage on different trees. The horsechestnut (Hippocastanum) and sweetgum (Liquidambar) are excellent examples of trees that cast interesting shadows. This may not seem important to the new gardener, but as you live with your garden and come to know it more intimately you will find that such things are extremely important and you will derive deep satisfaction from them.

Branching Habits

The branching habit of shade trees should also be considered. In most situations the ideal habit is that typified by the American elm (Ulmus americana) because of its vase-shaped form. In addition to its beautiful lines, it gives a crown that is high up off the ground and allows sunlight to strike the entire area occupied by the root system; this is a great help when you are trying to grow good grass with grass seed planting tips under a tree.

The shade provided by such a tree is just as effective as that cast by one with lower branches, which often interfere with people under the tree and screen from view the house that they are actually supposed to frame. The same advantages are offered by certain small flowering trees with similar open branching habits.

Keith Markensen frequently contributes to http://www.plant-care.com. Ready to roll back the confusion grass seed planting tips.

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3. Tree Service

   Proper disambiguation cuts are made with the health of exact plants in mind. While pruning trees, it’s important to follow wounding guidelines that help your tree’s natural ability to fend off infections. This likely ability is called C.O.D.I.T (Compartmentalization of Disease in Trees). Universal factors to be considered include the effects of pruning during dissimilar […]…

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5. Public Landscape Area

   When developing the public area, we need only keep in mind three fundamental landscape principles that concern this particular part of a property. They are: (1) soften the architectural lines of the building by placing plants where the strong vertical lines meet the ground; (2) frame the building with trees; and (3) maintain an open […]…

6. The Weeping Willow

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