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Author: jproi

  • Home office essentials: Designing the perfect workspace

    In the wake of the recent pandemic, the home office has transformed from a luxury to an absolute necessity for an increasing number of people. And it’s not just remote employees who are feeling the shift. Students, too, are seeking dedicated spaces where they can focus on their studies without distractions. But how and where should you set up these home office spaces?

    work station
    Domenico Loia

    A well-organized workspace is crucial, as evidenced by the surge in complaints following the abrupt shift to remote work during lockdowns. Many found themselves unprepared, lacking the right environment or equipment. Neck pains, muscle aches, eye strain, and post-work headaches are all telltale signs of a less-than-ideal workspace.

    Crafting your home office sanctuary

    The first piece of advice? Aim high, especially if you frequently use your home workspace. Ideally, you should have a dedicated physical space for work, separate from common areas like the kitchen or living room. While a separate office room is the dream, not everyone has that luxury.

    If you’re setting up in a multi-use area, try to establish some form of partition. This could be a desk, a cabinet with a workspace, or even a foldable shelf. Additionally, ensure you have ample storage solutions, like drawers or boxes, to keep things organized. This not only aids concentration but also helps you mentally switch off after work. Aesthetically, it’s a good idea to blend your workspace with the room’s overall design, so it doesn’t stand out when not in use.

    Prioritize your health

    Ensure everything is adjusted to your height for maximum comfort. Consider the height of your computer screen; working on a laptop all day isn’t ideal. If space is tight, at least invest in a stand to elevate your laptop screen to eye level, paired with an external keyboard and mouse. Another must-have? A quality office chair!

    Good headphones or earbuds, suitable for calls or online meetings, are also essential. Your laptop’s built-in speakers and mic might not cut it, especially in shared spaces. When shopping, consider models with noise-cancelling technology to enhance concentration.

    Shedding light on your workspace

    Lighting is key. A window overlooking your workspace is great, but be wary of direct sunlight. A quality desk lamp is a must, but additional light sources can minimize shadows and give your eyes a break. Proper lighting isn’t just good for your eyes; it also boosts concentration and learning, as per recent research from Michigan State University’s neuroscience department. Light colors in your workspace can reflect light, optimizing illumination. Avoid busy wallpapers that might distract you.

    Trending now: The garden office

    Looking for a unique solution and have a spacious garden? The garden office trend might be for you. This standalone workspace can range from a prefab container to a luxurious wooden frame pavilion. However, consider practicalities like electricity, internet access, and insulation. While it’s an investment (starting at around 35,000 euros), the good news is that structures under 30 sq.m often don’t require building permits. Still, it’s best to check with local authorities.

  • Belgian firms launch new real estate barometer for the modern housing market

    In the ever-evolving landscape of the Belgian real estate market, two prominent companies, Matexi and Realo, have collaborated to introduce a groundbreaking tool: a real estate barometer tailored for the new construction market. This initiative promises to provide updated data every quarter, and its inaugural edition offers insights into the trends spanning from 2017 to 2022.

    new construction
    Sandy Milla

    The rise of eco-friendly homes

    The driving force behind this initiative stems from the ongoing energy crisis. This crisis has spurred a surge in demand for new, energy-efficient homes. Consequently, the real estate market has bifurcated into two distinct segments: one witnessing a rapid price escalation for high-energy-efficient homes and the other seeing a more modest growth for energy-intensive properties.

    Yearly price increments observed

    The debut edition of the barometer reveals some intriguing data. Between 2017 and 2022, the prices for new houses and apartments witnessed an average annual increase of 5.6% and 3.9%, respectively. The pandemic played a pivotal role in this price surge, especially concerning houses.

    Regional disparities highlighted

    When focusing on new houses, characterized by three facades, three bedrooms, and a garden, the most significant annual price hikes were observed in the provinces of Hainaut and Liège, registering a growth of +9.3%. Despite this surge, both provinces remain among the most affordable regions for new constructions in Belgium.

    In contrast, apartments, typically spanning 95 square meters with two bedrooms, experienced a more uniform annual price growth across provinces. The range fluctuated between 3.1% in Brabant Wallon to 4.7% in the provinces of Antwerp and Liège.

    Diverse data sources fuel the barometer

    The foundation of this barometer is built on a myriad of data sources. Information was meticulously gathered from public open data and online real estate listings spanning from January 2017 to December 2022. The focus was exclusively on new constructions, ensuring that the sample accurately represents the contemporary Belgian real estate market.

    Conclusion

    The collaboration between Matexi and Realo to launch this real estate barometer signifies a monumental step in understanding and navigating the Belgian new construction market. With quarterly updates, investors, homeowners, and real estate enthusiasts can stay abreast of the latest trends, making informed decisions in an ever-changing landscape. As the world grapples with energy crises and environmental concerns, tools like this barometer become indispensable in promoting sustainable and informed real estate investments.

  • Budget-friendly tips to spruce up your garden this spring

    With spring knocking on our doors, it’s that delightful time of the year when gardens beckon. However, giving your garden a makeover can sometimes be a pricey affair. Fear not, for we bring you some savvy tips to rejuvenate your garden without burning a hole in your pocket.

    garden
    Savvas Kalimeris

    1. DIY Landscaping: Harnessing the Power of Social Media

    While hiring a landscape architect can indeed add a touch of professionalism, it’s entirely feasible to DIY your way to a picturesque garden. Social media platforms, brimming with garden enthusiasts, offer a treasure trove of inspiration. From minimalist designs to lush green paradises, you’ll find a plethora of garden layouts that you can emulate or adapt to your taste.

    2. Plant Smart: Opt for Cost-effective Greenery

    When it comes to planting, young saplings are your best bet. Not only are they more affordable than mature plants, but they also adapt better to new environments. Choose hardy plants that require minimal maintenance and can withstand fluctuating weather conditions. Your local nursery can be a goldmine of advice, guiding you to budget-friendly plants that can transform your garden’s aesthetics.

    3. Garden Furniture on a Budget

    If you’re eyeing new garden furniture, consider making your purchase before the peak of spring. Off-season prices are often more wallet-friendly. The second-hand market can also offer some gems; a little sanding and a fresh coat of paint can breathe new life into pre-loved furniture. For the creatively inclined, recycling pallets, fruit crates, or wine boxes can lead to unique and eco-friendly garden furnishings.

    4. Setting the Mood: It’s All in the Details

    Creating an ambiance doesn’t necessarily mean splurging. A strategically placed bench under a tree’s shade, a vibrant wall that captures the essence of summer, flower pots, or even an outdoor rug can add layers of charm to your garden. These little touches can make your garden a reflection of your personality and a cozy retreat for relaxation.

    5. Paving the Way: Affordable Pathway Options

    Elegant tiles might be the first choice for many when designing garden pathways, but they can be quite an investment. Gravel and bark offer cost-effective alternatives that don’t compromise on aesthetics. Besides being budget-friendly, they require minimal upkeep, ensuring your garden pathways remain charming with little effort.

    Conclusion: A Garden That Doesn’t Cost the Earth

    Gardening is a labor of love, and with a dash of creativity, it doesn’t have to be an expensive endeavor. By leveraging resources, recycling, and making informed choices, you can curate a garden that’s both beautiful and budget-friendly. As the saying goes, “The best gardens are those that make people happy and comfortable.” So, roll up your sleeves and let’s welcome spring with a garden that brings joy without straining your finances.

  • Understanding energy contracts in Belgium: Fixed vs. Variable

    In recent times, a noticeable trend has emerged in the Belgian energy market. A significant portion of Belgians who previously held fixed energy contracts now find themselves under variable contracts. To put it in perspective, currently, 50% of the population relies on a variable energy contract.

    thinking
    Jonas Leupe

    Current Market Dynamics

    While the present situation seems more favorable than what was observed last autumn, it’s essential to note that this improvement might be temporary. The recent cold temperatures experienced could potentially drive energy prices upwards again.

    The way variable contracts are structured now, they reference either the previous month or the preceding quarter. If the current trend persists, we can logically anticipate a price hike in the upcoming weeks. This raises a crucial question: Given the current market dynamics, should one opt for a monthly or quarterly variable contract?

    Decoding Variable Contracts

    Before making a decision, it’s vital to understand the distinction between a monthly and a quarterly variable contract. The Commission for the Regulation of Electricity and Gas (CREG) clarifies that a monthly variable rate is indexed every month. This means it’s recalculated based on market fluctuations, subjecting you to a new tariff at the beginning of each month.

    On the other hand, what about a quarterly variable rate? It operates similarly, but instead of twelve recalculations a year, there are only four – one for each quarter. Consequently, with every new indexation, the quarterly variable contract “locks in” the rates for the upcoming three months, unlike the monthly variant.

    Choosing the Right Contract

    Beyond understanding the basic differences, now is an opportune time to compare prices and potentially switch to a new provider, especially if you’ve recently transitioned from a fixed to a variable contract. The CREG website offers a dedicated portal for comparing energy prices, providing consumers with a comprehensive overview of available offers.

    Given the potential for rising prices, it might be beneficial to choose a contract based on quarterly calculations rather than monthly. This approach could provide a buffer against rapid price fluctuations, ensuring more predictable energy bills.

    Conclusion: Navigating the Energy Landscape

    The Belgian energy market, like many others globally, is subject to various external factors that influence pricing. As consumers, staying informed and understanding the nuances of available contract types can make a significant difference in managing monthly expenses. Whether you opt for a monthly or quarterly variable contract, the key is to stay proactive, regularly review market trends, and be ready to adapt as the landscape evolves.

  • Reviving interiors: 1980s decor and sustainable materials for 2023

    After enduring two years of a global pandemic and facing potentially gloomy months ahead, it’s no surprise that interior decor is taking a vibrant and festive turn. As we seek solace and comfort in our homes, the decor trends for 2023 are set to be a delightful blend of nostalgia, functionality, and sustainability.

    The 1980s Make a Flamboyant Comeback

    In a bid to counter the prevailing somber mood, designers and creatives are ditching neutral and pale tones for bolder, more energetic colors and geometric patterns. This shift is reminiscent of the 1980s, a decade known for its flamboyant, flashy, and carefree style. Yes, 2023 is set to transport us back to the vibrant and unapologetic era of the eighties!

     

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    Une publication partagée par MAD PARIS (@madparis)

     

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    Une publication partagée par hülsta (@huelsta_official)

    But what exactly does 1980s decor entail? For those unfamiliar with the iconic series like “Dynasty,” “Dallas,” or “Stranger Things” on Netflix, the 1980s were characterized by radical lines, psychedelic hues, chrome accents, and striated glass. Glass, in particular, is making a grand re-entry into the decor scene. Once deemed outdated, this versatile material is now reclaiming its elegance in both architecture and furniture, whether it’s lined, tempered, colored, or clear.

     

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    Une publication partagée par HAY (@haydesign)

    Modernist Lines Meet 21st Century Sustainability

    While the 1980s revival is in full swing, another trend is emerging, drawing inspiration from the functional and strict lines of mid-20th-century modernist architecture. But with a twist: the 21st century’s emphasis on sustainability. As the world becomes more eco-conscious, sustainable and recycled materials are not just a passing trend but are firmly establishing their place in interior decor.

    Embracing the Color Block Trend

    Another standout trend for 2023 is color blocking. As a reaction to the grim news dominating headlines, interior decor is becoming a form of therapy, aiming to brighten our daily lives. This trend involves a rich chromatic palette, either embraced in a total look or sprinkled throughout the space in small bursts. These vivid shades aim to uplift interiors that have been dampened by the pandemic’s prolonged effects. Main furniture pieces like sofas and armchairs are perfect candidates for this trend, but even accent furniture is joining the movement, especially favoring primary colors.

     

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    Une publication partagée par CPHAGEN (@cph.agen)

     

     

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    Une publication partagée par Cassina (@cassinaofficial)

    Conclusion: A Brighter Future with Nostalgic and Sustainable Decor

    As we step into 2023, our homes are set to reflect a blend of the past and the future. The vibrant and bold aesthetics of the 1980s offer a comforting sense of nostalgia, while the emphasis on sustainable materials reminds us of our responsibility towards the planet. Whether you’re a fan of the flamboyant eighties or have a penchant for minimalism and sustainability, this year’s decor trends promise a brighter and more colorful living space for everyone.

  • Navigating the energy crisis: A guide to mortgage payment delays in Belgium

    The ongoing energy crisis in Europe is not just a headline; it’s a reality that many households are grappling with. As electricity and gas prices soar, some Belgian families find themselves in a tight spot, struggling to meet their mortgage repayments. If you’re one of them, there’s some crucial information you should know.

    sad
    Ethan Sykes

    The Energy Crisis and its Impact on Belgian Households

    Exceptional circumstances call for exceptional measures. The current energy crisis has significantly strained the budgets of many Belgian households. With skyrocketing electricity and gas prices, some are finding it challenging to keep up with their mortgage repayments. Recognizing the gravity of the situation, the financial sector has stepped up, committing to assist those facing financial hardships. One of the primary relief measures introduced is the option to delay mortgage capital payments under specific conditions.

    What does this mean for homeowners?

    If you’re a private individual with an ongoing mortgage, you might have questions about delaying your monthly repayments. As of October 1st, the relief measure offering households the option to delay their mortgage capital payment came into effect. Since its introduction, over 5,000 payment delays have already been granted. This number is expected to rise, especially with the increasing shift from fixed energy contracts to variable ones.

    The financial sector remains vigilant, closely monitoring the situation, which could change rapidly given the current economic climate. It’s worth noting that while these rules have only been in place for two months, requests for payment delays can still be made until March 2023.

    Eligibility Criteria for Payment Delay

    To apply for a delay in your mortgage capital payment, you must meet the following five conditions:

    1. Your mortgage loan must have been contracted before October 1, 2022.
    2. At the time of your delay request, the total assets in your current and savings accounts, as well as your investment portfolio with your bank, should be less than 10,000 €.
    3. The mortgage for which you’re requesting the delay was taken to finance your primary residence in Belgium.
    4. You had no payment arrears for the mortgage you’re requesting a delay for as of March 1, 2022.
    5. You either have a repayment plan with your energy provider or have already applied for one.

    What if you don’t meet the criteria?

    If you don’t meet the above conditions, don’t lose hope. You can still reach out to your bank or lending institution to request a temporary capital payment delay or, at the very least, a modification of your credit contract to better suit your current situation. However, be aware that your lender might charge you administrative or file fees in such cases.

    Conclusion

    The European energy crisis has undeniably put a strain on many, but Belgium’s proactive measures aim to alleviate some of the financial burdens its citizens face. If you’re struggling with your mortgage repayments, it’s essential to be aware of the support available and take timely action. Remember, communication is key. Reach out to your lender, discuss your situation, and explore the best possible solutions.