Category Archives: Tech

How to Get into Commercial Property Development

Developing commercial property is a challenging business undertaking that requires not only a substantial financial investment, but also a solid comprehension of commercial tenants’ requirements, in addition to zoning laws and mobile job management. Additionally, because developing commercial property involves negotiations with local governments, representatives of neighbourhood residents and business owners, in addition to liaising with the contractors who perform the architectural designs, construction work, and landscaping, great interpersonal and diplomacy skills are a significant requirement. For entrepreneurs who have the resources and techniques, developing commercial property can provide a very rewarding business opportunity and pave the way to a long and rewarding career. Read these steps to discover how to create commercial real estate.

Decide which sort of commercial property you want to develop.

 

The sort of businesses you rent or sell the property to will all have their own set of requirements for your property, and you have to have the ability to appeal to that market by offering the proper place, trustworthy contractors, and an efficient project management system.

 

The most frequent kinds of commercial property you can develop are office buildings or office parks, warehouse and industrial property, and retail facilities. Within each class there are several regular developments that may or might not be perfect for the kind of commercial property that you want to develop.

 

Lay Down a fantastic plan.

 

You will need to do some careful planning before you jump in to any kind of property dealing. Despite the fact that plans can go wrong occasionally, appropriate planning from the start can enable you to ascertain achievement. Do a little research about the region you have plans on purchasing property in. Ask the locals and trusted business advisors in the region about its availability and certain issues that you will need to know about.

 

Secure the funding to develop commercial property. This could be in the form of a business loan, investments by investment firms or private investors, or a mixture of both.

 

Choose a location that’s zoned for industrial development and discover how it’s zoned. You can discover the way the lot is zoned by checking with your town’s zoning and planning branch.

Make certain the location allows for easy access for the traffic which will be attracted by the new growth.

Find out what other development and infrastructural plans exist for the region from the council business management specialists. By way of instance, if a new highway is planned, it is going to allow for more traffic, which might be beneficial for the industrial property, but if present commercial property will be demolished to make a park or residential buildings, this could adversely impact on the success of your industrial property leasing.

 

Have the property surveyed with a reputable surveyor who will tell you all the geographical details of the place that impact construction, such as floor quality or present structures under the topsoil.

 

Buy the property if the zoning enables commercial growth and the location allows for the sort of construction you’ve got in mind. Get in touch with the council immediately to ensure you have all licences and permits in place. Based upon the location, this may consist of construction permits, parking permits, and waste removal licenses.

 

Enlist the services of an architect to design the commercial property you want to build. Make certain to explain clearly what your requirements are in terms of budget, time, and construction requirements.

 

Approve the construction plans if They meet all your demands.

 

Hire contractors to do the construction and landscaping. Ask for monthly and weekly reports from the builders and the architect overseeing the job so that you’re conscious of the progress.

 

Arrange for building inspections. These are often performed by a city agency that dispatches inspectors to investigate commercial property investments to determine whether they are in compliance with legal requirements.

 

After the site has gained approval, hire a commercial realtor to attract tenants for your commercial property.

 

Once your property is leased, engage a property management group who will be responsible for the overseeing of daily operations of your commercial property, such as maintenance, repairs, and billing.

How to Protect Your Skin in the Australian Heat

With a small amount of planning this holiday season, you can find out the way to have beautiful skin in tropical climates quite simply. Taking care of your skin is key to looking great in any environment around Australia, and while cosmetics can also be harder when it’s humid, having the ideal foundation makes all of the difference.

Maintaining clean skin

Keeping your skin clean is not just a simple matter of a fast wash with water every morning. A thorough cleansing is necessary on a regular basis to prevent clogged pores and dull, uneven skin tone.

Some tips are:

  •    Cleaning the face from all traces of cosmetics using makeup remover, skin cleanser and a face washer.
  •    Exfoliate with a gentle brush.
  •    Pore extraction with strips on the forehead, chin and nose to help remove and prevent the build up of sebum within the pores. Leaving this there will cause the pores to extend out and expand. The cleaner they are, the more minimal their look will become over time.
  • Based on the state of your skin, now’s the time to relax for approximately 20 minutes using a hydrating, toning, firming or clarifying mask.

Daily Routines

Cleanse the skin with a creamy cleanser (if you’ve drier or more mature skin) or a foaming cleanser (if you’ve got younger, oily or prone to break skin out). Apply this with the tips of your fingers and massage it well to remove traces of oils which have settled in your face over night. Eliminate the cleanser with a warm, damp face cloth.

Toner

For many people, having a toner is optional, but given that the majority of us suffer from our skin getting oily in humid weather, a clarification from the toner can help with keeping the glow down throughout the day.

Serum

Even when you have oil skin, you still have to feed it. A light application of a serum suited to your skin type will help restore its elasticity.

Eye Cream

If you are over 20 you ought to use this every day. Your general face moisturiser is not acceptable for the delicate eye area and may cause more pronounced lines.

Sunscreen

Always, always wear high protection factor sunscreen irrespective of your skin tone. Use oil free products especially formulated for the face. In case you’ve got light skin or like to look paler in pictures, use a sunscreen that’s light reflecting Titanium Dioxide. Otherwise, seek out products with this active ingredient to avoid nasty skin spots, and to prevent mole removal.

Keep your skin hydrated

Hot and humid weather will immediately remove moisture from the skin as it evaporates. In these climates the amount lost can be up to triple the average of two litres every day. So drink up! Be sure that you’re replenishing both the water and the essential salts on your system; isotonic drinks can help. Coconut water is the most perfect natural source of minerals and vitamins in which will truly help you glow! Try eating foods with a high water content to help you maintain your hydration without becoming bored. Watermelon, rockmelon, strawberries, honeydew melon; those fruits are fantastic for a light, healthy and hydrating snack.

Sun protect your skin

There is a very unattractive sight often seen on holiday makers in these climates. The red skinned sunburn, or even the dark reddish brown tinge that reveals the sever level of sun damage these vacationers have done. Protection your skin from sun damage is vital, not simply to protect from skin cancer, but also from premature aging. You can always get a check up from your skin doctor, but when you go outside you should remember to wear hats, sunglasses, long sleeved and loose fitting clothes all make a significant difference when coupled with adequate sunscreen protection.

Business Cards Benefits Australian Businesses

Whether you are self-employed or searching for a job in Australia, one of the best tips for anybody looking to take a jump up the career ladder, or to benefit your Australian business, is to make your own business card.

Now we know what you are thinking… It sounds a little much, right? But who is to say that business cards are just reserved for fancy lawyer types or those with already established careers? When it comes to getting ahead, a tiny self-assurance goes a long way, especially when you are competing with many professionals across the country. And, when considering how to shortly describe your business or who you and what you can offer, if you have the wording right, it may prove to be completely beneficial. Whatever your job or business, there are many ways a business card may enhance your overall prospects. Let us take a look at the top three reasons to place your name and business in print…

  1. It Looks Professional

Though a slick CV is worth its weight in gold, a specialist looking business card provides a completely different impression. Having a CV selling the motives somebody should provide you a job, it can appear a little needy. In contrast, a card only gives off a feeling of professionalism and proficiency, showing you are organised and that you want people to contact you any time. You know what you can offer, so why don’t you sell it as much as you can? You can print your business card at any trusted store in Australia, such as Melbourne City Print for great business card results.

  1. First Impression Counts

If you find it difficult to make a good first impression, a company card might help you leave a lasting one. It might also help you leave a feeling in which reflects the measured tone and goal of your company or business. Moreover, with many firms giving you the chance to create your own business card design, you can have complete control of how it looks and precisely how you would like to be portrayed. If you are considering going for it, there are lots of amazing discounts on business cards which may let you print off a package without going over budget, and whilst still looking professional as ever.

  1. Networking is Crucial

If you frequently find yourself chatting to people at parties, at the bus stop, even in line at Starbucks…. Odds are that the “so what do you do” question will crop up. However, what if one of these random people proves to be a possible employer or client? It might appear a small long shot, but it is a fact that you never know who you are going to meet, so why not be ready?

By having a few business cards available, you can grab any networking opportunity with both hands, rather than mumbling your normal response, show them you are efficient and prepared by handing them your one and only, personally designed business card.

Ultimately, if it just so happens that the exact path of your career path is somewhat uncertain, there is an amazing method of making things clearer. Simply consider what your perfect business card could say, why it would say it, and how it relates to you or your business – and remember to always add contact details. Business cards really do come handy when you are out networking or stumble across a potential boss.

Victorian Hospitals to Prescribe Euthanasia Drugs

Most of Victoria’s major hospitals are not able to say whether they will allow their clinicians to prescribe euthanasia drugs alongside the surgical and custom instruments of the hospital once the clinic is legalised in June 2019. While the Epworth has shown the private hospital support is contemplating engaging – and large Catholic suppliers have ruled it out – it’s unclear whether patients in public hospitals will have the ability to seek out an assisted departure from willing hospital physicians.

A vote in the country’s upper house this week paved the way for Victoria to become the first nation to legalise voluntary euthanasia. The invoice is to be sent back to the lower house, which has already voted in favour of the legislation after, for final approval. The invoice will give some terminally-ill Victorians who are suffering intolerably and have less than six months to live the right to end their lives. Doctors may conscientiously object to being involved, or refer patients on. However, many big public health providers are yet to determine if they will permit their physicians to prescribe euthanasia drugs and medical equipment sales that assist the outcome. There’ll be an 18-month implementation period to nut out several practical details, including what deadly drug will be used.

The operators of the Peter MacCallum Cancer Centre, Royal Melbourne Hospital, Austin Hospital, Monash Medical Centre, Box Hill Hospital, Geelong Hospital and Frankston Hospital wouldn’t comment this week. However, Epworth HealthCare has been on the front foot. A working group has established which will advise the hospital board whether it should consider allowing willing doctors to obtain the related medical supplies in Melbourne to take part in euthanasia.

Epworth’s chief medical officer, Professor Emeritus John Catford, stated the working group would look at a range of issues around “end of life”, and would probably make a decision by about March next year. Professor Catford said a very important measurement is the way one can implement a conscientious objection, claiming it is voluntary for physicians (and other employees) in the same manner it’s voluntary for patients. They say we will need to comprehend how that will work in practice.

Professor Catford said he received a mixed reaction after surveying doctors about Epworth’s role in assisted dying. The hospital has also consulted the Uniting Church because of their history and heritage. It is not controlled by the Uniting Church in Australia but the board is autonomous. Although the Epworth has specialists in cancer and neurosciences, or aged care where pain is beyond falls and injury prevention and treatment, Professor Catford noted “the vast majority” of physicians were seeing experts, and would make their frequently decisions on their practice and policy.

The significance of hospitals choices in future euthanasia legislation was also downplayed by the Department of Health and Human Services. It would be our expectation that voluntary assisted dying is more likely to take place within an individual’s home, instead of hospital settings, according to a department spokesman. This means that they will be aided by their GP or other expert of their choice as suitable.

Melbourne’s Catholic hospitals will be home to big euthanasia no-go zones meanwhile, as Mercy Health, Cabrini Health and St Vincent’s have all been firm in their opposition to the clinic. Head of clinical governance in St Vincent’s Health, Dr Victoria Atkinson, said St Vincent’s wouldn’t support assisted suicide in any of the facilities. Not every hospital provides every health services. For example, Dr Atkinson recognised that they do not provide heart-lung transplants or paediatric services in their Melbourne hospital.

Dr Lorraine Baker, Australian Medical Association Victorian president, was also concerned about the possibility that some patients, particularly the elderly, might be coerced by their own family to request euthanasia. There was still work to be done in terms of understanding how the legislation could be implemented but protections for patients will be front and center.

Boomers Take On The Qualifiers

Australian sport is an important aspect of the true Aussie culture. Australians have pride in all sporting events around the globe, with many sporting communities representing Australia in many different countries around the world. Now we can see that sport in Australia is at its all time peak, with teams from all sporting teams around Australia, playing the best we have seen in years. One in particular to watch is the Australian basketball team, the Boomers. The path to the 2019 FIBA World Cup in China is in full swing for Australian team, the Boomers. After dismantling Chinese Taipei and Japan, by 38 and 24 points Respectively in November, the Boomers, along with their customised basketball uniform design, will visit Melbourne in February next year for two World Cup qualifiers. The Boomers will face the Philippines on February 22nd and Chinese Taipei on February 25th, with both games being held at Margaret Court Arena, our home turf. The Philippines pose a threat to Australia, after they too won their two qualifiers in November, yet we still are backing our Australian team with pure Aussie spirit. The meeting will see the two leading teams in Pool B face off — with the winner all but booking their ticket into the next round of qualifying. Boomers coach Andrej Lemanis talked to Basketball Australia about the importance of both of these games, and how they are key in really advancing into the next round.

“These two Melbourne games are key in terms of not only advancing to the next round, but also positioning ourselves favourably in the next round.” Lemanis said.

“I ask the Melbourne fans, who have always been great basketball fans, to come and help us on the journey, and in the process, get to experience the true feeling and meaning of international basketball – it doesn’t get much better than this.” As Lemanis said, Australians will be really getting around this sporting team, as we all know the amount of pride an Aussie has towards any type of sporting event.

Daniel Kickert and Mitch Creek led the way for Australia; a group made up entirely of NBL players, now wearing basketball uniforms — are both qualifiers from November. Kickert was at his efficient finest, moving 7/9 from profound, on his way to averaging 18.5 points, 5 rebounds and 3.5 assists over the two games. One player to watch for on the Philippines team is Jayson Castro William. The 5’10” point guard starred in both qualifiers in November, averaging 20 points, 5.5 rebounds and 5 assists over the two games. Australia is currently ranked 10th in the world, whilst the Philippines and Chinese Taipei sit 31st and 57th respectively. In order to qualify for the 2019 FIBA World Cup, Australia has to finish in the top seven teams at the Asia area at the close of the FIBA Basketball World Cup 2019 Qualifiers.

Basketball fans around Australia should be really proud of the Australian Boomers, as they are not only playing the sport at their best, but are also representing the country for many sporting years to come. We wish our Australian basketball team, the Boomers, the best of luck for future games, and know that they will play at their best for many games to come. Below is a short video of the Boomers Highlight in the last Olympic Games.

Trends for Australian Digital Marketers in 2018

Digital marketing was most definitely one of the top career trends to come out of 2017. So, here’s an article just for them!

Digital marketers are expected to keep up with the trends and technology impacting the industry and their company. In a fast-moving and ever-changing globe, this might seem like an overwhelming task, but the secret to success is to understand your audience and create a marketing strategy that provides an awesome customer experience. As 2017 wraps up and we look ahead to 2018, here are the top trends you will need to consider within your digital marketing program.

 

Machine Learning and large data

 

Machine learning and big data is set to transform the way that companies interact with customers. Deep learning and natural-language processing techniques will enable marketers to make better predictions about client behaviour, which will allow for more customised content across an already professional website design.

 

According to Salesforce, high performing marketing teams are twice as likely to utilize artificial intelligence (AI) in their own campaigns. 57% of marketers that are already using AI state that it’s imperative to help them increase touch points with their viewers.

 

This is a trend which you can’t discount in 2018, so take charge of the information and work in cooperation with AI-based automation to improve your customers’ experience.

 

Micro-moments

 

In the last few decades, there has been a general shift towards using mobile phones for all sorts of consumer purchases. Whether it’s buying groceries or a mortgage, practically everyone reaches for their telephones to conduct research which is what makes multi screen web design so important in a custom web design.

 

Customers also expect brands to react instantly to their needs by providing them with reliable information, whatever the time and place. These instances are known as “micro-moments” and are game changers from the electronic world. In 2018, micro-moments will certainly get more attention from entrepreneurs, who will attempt to supply a personalised, time and location-relevant user experience.

 

Personalised content

 

While content promotion will continue to be an integral part of marketing strategies in 2018, the attention will shift away from conventional static content to more dynamically rich content. A well-planned site and marketing automation program will help to make this happen. Personalisation of content will assist in offering unique, tailored experiences for clients. HubSpot defines this as “smart content”.

 

This will be an integral field of marketing as HubSpot implies that the vast majority of customers favour companies that produce personalised content and therefore are more likely to opt for these firms for future purchases, which also means tools like AdWords may become increasingly ineffective in the coming years.

 

Dark social

 

Dark social refers to individuals sharing content via personal channels. Consumers are currently using dark social at a growing number to engage with one another discreetly. This tendency has been mostly driven by mobile messaging and companies should explore this special opportunity in 2018 to target market demographics and expand their reach.

 

Video content and live streaming

 

In 2017, video streaming accounted for three-quarters of all online traffic. Over half of advertising professionals throughout the planet feel that video content will provide the best return on investment. Earlier this season, Facebook began using six-second advertisements to engage customers with concise messages and YouTube has been quick to follow suit.

 

Video will continue to control social and it is expected that live streaming is going to have a massive uptake in 2018, particularly with younger audiences. Research indicates that audiences spend three times more watching live streams compared to pre-recorded video. It is estimated that the average viewer will observe 36 minutes of online video each day on mobile. At exactly the exact same time, mobile video advertising spend is estimated to rise to $18 billion.

 

Chatbots

 

In 2018, more brands and businesses will begin to integrate chatbots in their communications to increase customer service and enhance the purchasing experience. According to Gartner, it’s been estimated that by 2020, 85 percent of interactions in client relationships will be with chatbots.

 

Chatbots are intuitive, automated and driven by AI. They’re better at driving client engagement because they may facilitate quicker, more effective discussions. Firms across various businesses are already researching chatbots to drive involvement. In 2018, chatbots will be an integral ingredient for digital marketing success.

 

Online advertising

 

Online advertising spend has always shown an upward trend. Statistics from eMarketer reveal that display advertising cost is forecast to reach $41.87 billion in 2018, if you are an AdWords agency then expect a boom in clientele. Programmatic advertising is going to be the principal method of trading display, accounting for almost 80 percent of U.S. screen spending. It’s anticipated that next year, Facebook will create about $20.2 billion in display advertisements.

 

Summary

 

From predicting user behaviour using information and machine learning to mastering micro-moments and 24/7 customer support via chatbots, 2018 will present several opportunities for brands and companies to reach customers, create engaging conversations and help to construct long-term relationships. Constantly evolving technology brings with it newer challenges and opportunities, and in an always-connected world, entrepreneurs will have to be agile and flexible to succeed.

Top Breakfast Cafes in Melbourne

Given we are now in the last month of the year, it is a fantastic time to reflect on the bounty of fresh festivals, cafes and hideaway restaurants which have opened in Melbourne over the last year, and which ones really stood out in terms of their breakfast menu, brunch menu, and atmosphere. In no specific order, here are our favorite new cafes of this year up to now.

Wilson & Market
Paul Wilson’s sprawling new place at Prahran Market feels like it has had a never ending opening. First came the takeaway Tuck Shop in March, then the brasserie started last month. Sometime in the midst of all that, Wilson & Co cafe opened. It is all very sleek and smart, but what is most memorable here (besides the fancy, technicolour baths) is the food. Wilson sources most of his fruit and veg from a tiny biodynamic farm on the Mornington Peninsula, and the menu is mainly vegetarian. It’s everything you need it to (eggs, pastries, pancakes, muesli), but it looks and tastes different to the carbon-copy brunch listing at this point you find at virtually every Melbourne cafe. We recommend ordering anything, which accompanies the house-made hot tomatillo verde. And do not overlook the Scotch eggs, or house-cured trout.

All Are Welcome
190 High Street in Northcote was a Christian Science reading room. The cream brick building had the phrase “All Are Welcome” written in gold letters on the front door, so Boris Portnoy understood what he would call the place when he turned it into a bakery and coffee shop. Portnoy was formerly head pastry chef in a three-Michelin-star restaurant in California before he exchanged fine dining for baking. All Are Welcome is a collaboration with Everyday Coffee, so you can sip its own espresso or batch brew as you decide between a croissant, cinnamon brioche or chocolate babka bun. There is also an assortment of non-sweet possibilities, such as savoury tartines and tarts, plus house-made jams, chutneys and pickles. Don’t leave without purchasing one of Portnoy’s dense loaves (or another pastry, for the street).

Frankie’s Best Shop
The outside of the breakfast cafe is as magical as it gets, with dappled sunlight falling on its red-brick facade and a huge sign that simply reads: “Frankie’s”. Indoors, green-velour padded booths and wood tables confront a large open kitchen. Owner Michelle Curtis is a chef and award-winning food writer. She is focused on seasonal produce and putting her own spin on lunch and breakfast classics. The fragrant and vibrant smashed-roasted sweet potato and garlic is a standout. Light, gold sweetcorn fritters arrive served with a poached egg and guacamole. For lunch, it is house-made pies, tart of the day, or a roast-chicken sandwich on grain bread. Bayside sailors might recall the building’s former tenant, Frank’s Milk Bar, and its colourful owner, Frank Economakos, where Curtis’s new place is named.

ACoffee
We are yet to get a more jaw-dropping interior this season than this one. It reminds us of an Apple store, or something from Michael Jackson’s Scream film-clip. Co-owner Joshua Crasti renovated the former garage along with his dad, which obviously involved an incalculable quantity of white paint. Every detail is bright and clean, from the island espresso seat to the nearly reflective white coffee packaging. Transparency, simplicity and clarity are the three guiding principles here, and the roast is on the lighter side. Byoung-Woo Kang, co-owner and manager of java (and Australia’s 2014 cup tasting winner) worked as a barista in St ALi before he started roasting at Market Lane. Besides coffee, there is matcha tea, one seasonal fresh juice and pastries from Cobb Lane. That’s it. Simple.

Terror Twilight
Terror Twilight is the reborn Bedford Street, which owners Hootan Heydari and Jono Hill shut down less than 1 year after opening. Twilight is brighter and airier than its predecessor, with a pastel-pink espresso machine rather than beer taps, and indoor plants rather than neon lights. The food is wholesome and tasty, such as the roast-chicken sandwich with lemon mayo; frisee; and pistachio, bacon and prune stuffing. Additionally, there are healthy-sounding broths, plus smoothies and pressed juices.

Gold Drops
Do you feel like visiting a great restaurant and winery? Well, great things come in small, beautifully designed packages. Gold Drops is streamlined and elegant as it feels like a European cafe atmosphere. These men only serve natural java (after being picked and sorted, natural coffee is left to dry in the sun with the cherry still on the bean). It’s the easiest and most traditional method of processing coffee — in some ways it is like the way natural wine is created — and the final result is rich, sweet and intensely fruity. The flavour may be polarising for some coffee drinkers according to proprietor Ari Abad — try it and see if you want it. Come for a coffee trial, remain for the Argentinian pastries and out bench (ideal for people watching).

Audience Picks
The Alley (a vegan breakfast restaurant which does not skimp on flavour or decadence); Mr & Mrs Andersen (a farm-to-plate cafe with Michelin roots); Au79 (a cafe, bakery and roastery that feels like an indoor botanical garden); and Frank’s (a warm, smart space on a quiet strip in Cheltenham) were four of our most-read cafe-opening stories of this year.

Technology Trends to hit in 2017

It is amazing at the technology we now have available to us. To possess the capacity to retrieve just about any information and speak in a thousand distinct ways using a system that fits in your pocket.

There is always something new on the horizon, and we all cannot help but wait and wonder exactly what technological marvels are coming next. There are a number of big tech trends we are in store for in 2017. If you are already an entrepreneur, then think of how you can leverage those technologies to attain your intended market in new ways.

  1. IoT and Smart Home Tech.

We have been hearing about the coming revolution of this Internet-of-Things (IoT) and leading interconnectedness of smart house technology for several years. So what is the holdup? Why are we not all living in bright, attached houses by now? Part of the issue is too much competition, together with insufficient cooperation, you will find a lot of different appliances and programs available on the current market, but few options to tie everything together into one, seamless consumer experience. Now that larger businesses already indulged in uniform user experience (such as google, Amazon, and Apple) are involved, major advancements are expected in the coming year regarding ease of access as well as cloud computing security.

  1. AR and VR.

We have already seen some significant steps forward for augmented reality (AR) and virtual reality (VR) technologies in 2016. Oculus Rift premiered, to favourable reception, and tens of thousands of VR programs and games followed. We also watched Pokémon Move, an AR match, burst with over 100 million downloads. The marketplace is prepared for AR and VR, and we have already got some early-stage apparatus and technology for all these programs, but it is likely to be next year until we see things actually take off.

  1. Automation.

Teachers will be (largely) happy to understand that automation will turn into a larger mainstay in and during 2017, with innovative technology allowing the automation of formerly human-exclusive tasks. We have experienced robotic journalists in flow for a year or two now, and it will not be long until they create another jump into more practical kinds of posts. It is very likely that we will begin seeing productivity skyrocket in several of white-collar form jobs and we will begin seeing some tasks disappear entirely. When automation is coupled with machine learning, that which can enhance even quicker, therefore 2017 has the capability to be an extremely milestone year.

  1. Humanized Big Data (visual, empathetic, qualitative).

Big data was a huge topic for the previous five decades or so, as it began making headlines as a buzzword. The notion is that mass amounts of accumulated data, that we currently have access to, will help us prevent everything from having better health care remedies into executing better advertising campaigns. But big data’s greatest strength, its own quantitative, numerical base, can also be a weakness. In 2017, we will see progress to humanize big data, searching more empathetic and qualitative pieces of information and projecting it at a more visualized, accessible manner.

  1. Physical-Digital Integrations.

Mobile devices are gradually incorporating technology into our everyday lives. It is rare to see anybody without a smartphone at any particular moment in time, providing us access to virtually unlimited information in the real world. We already have things such as site-to-store buying, allowing online customers to purchase and pick up products at a physical retail location, but another level will be even farther integrations between physical and electronic realities. Online brands such as Amazon will begin having more physical goods, such as Dash Buttons, and bodily brands such as Walmart will begin having more electronic features, like shop maps and merchandise trials. The advancement of private cloud computing and increase in security it expected to take off as well.

Mortgage Brokers Reject MFAA Reform Offer

The Mortgage and Finance Association of Australia has stopped short of endorsing options which can break the nexus between high-risk loans and bumper commissions by describing lots of the choices presented to them as unviable and risking unintended consequences.

The body for mortgage brokers has researched a set of choices to reduce conflicts of interest and poor outcomes for customers in an almost fifty page response to ASIC’s Review of Broker Remuneration but finally found that many choices on the table ultimately devalued the importance of investment in mortgage brokers and were unworkable.

MFAA CEO Mike Felton known for realistic answers to the issues faced by the sector stated that the window of opportunity to deliver meaningful structural change for them was quickly closing. If we are to boost consumer outcomes throughout the finance and mortgage value chain with minimal disruption for our associates, we have to embrace change voluntarily.

Mr Felton Said that among the following steps for the industry is to work with ASIC to jointly define what “good customer results” were and how they are quantified before real reform could be made.

 

Multiple options

 

The mortgage broking industry has attracted substantial scrutiny following the operator’s report with over half of all mortgages originated from broking networks at a price of about $4600 based on analysis performed by UBS. Payments to mortgage brokers have risen by 18 percent every year and in 2015 reached $2.4 billion.

The MFAA Report, which was sent to treasury a few weeks ago, researched five choices to reduce conflicts of interest that were canvassed by regulators for mortgage broker websites and brick and mortar brokerages.

This included lower commissions for high-risk loans, fee for service models, smaller upfront commissions and conventional upfront commissions, but finally baulked at encouraging them because of unintended consequences.

The MFAA made some progress on wiping out the practice of agents offering clients super-sized mortgages through their mortgage broker website where agents recommend considerable amounts of money are abandoned in an offset account and the corresponding commission is pocketed by the mortgage broker.

The MFAA is recommending that the easiest way to end this practice is by simply paying commissions on the percentage of the loan that’s drawn and earning zero commission on the percentage from the offset account payable to the agent. It also recommended to provide more transparency about “soft dollar” payments where agents were rewarded with travel and hospitality.

 

Complex issues

 

Another option the MFAA believed was decreasing mortgage broking commissions for higher-risk mortgages with high loan-to-valuation ratios. This included a structure called a pivot whereby the commissions would fall for each five percentage points a LVR (loan-to-value ratio) moved higher.

In the example being considered the upfront commission on a mortgage composed with an LVR of 95 percent could be one-third lower than a mortgage composed with an LVR or 65 percent.

The MFAA said it would be unwise to present an LVR pivot now for fear of unintended consequences like locking out first-home buyers. Additionally, it said that it might introduce unnecessary complexity to the commission model and decrease worker productivity industry wide.

The report also rejected the fee-for-service version, which it described as suffering from numerous shortcomings and might see an agent subsidising another and could break the nexus between agent remuneration and financial value.

Fee for service is a model that’s been widely adopted by many businesses facing similar problems around conflicts of interest like in the retail financial information space.

The Sedgwick Remuneration Review that came out one month following the ASIC report and has been funded by the Australian Bankers Association who also commended the fee for service model stating it will be in the long-term interests of clients.

Australian Interior Design Trends for 2017

You could blame it on the prevalence of home renovation TV shows, Instagram or Pinterest but it appears there’s never been a larger focus on interior design. And it is something Australia’s design heavyweights have noticed also. It is apparent that the impact of design on our lives, both at home and work, is continuing to gain momentum. It looks like the sector is significantly more involved than ever in a huge assortment of jobs from small renovations to large scale public spaces. It is exciting times for interior decorating fans.

Interestingly, among the best influences on design has been the prevalence of Instagram. We now have greater access to designers from all over the globe and can see the most recent design displays in real time. There has been an indelible mark technology has left on the design scene, and it’s only going to grow.

From natural substances to clever use of colour and the bespoke fashion, we talked to last year’s Australian Interior Design Awards’ judges to receive their take on what they’re expecting from this year’s entrants and the use of design in 2017.

 

Adaptive re-use

The drive to revitalise current possessions and observe the past shows no sign of abating. Currently, there’s an emphasis on elastic re-use with many preferring to strip back existing buildings to their bare bones and operate within the context of the building’s original structure to expose and celebrate its own credibility. This, together with a focus on enhancing natural light, using organic and highly textured materials, smooth neutral tones and the addition of foliage and lush greens and coastal home interiors advises the approach we’re seeing now.

 

Natural substances

Across the board, the judges believe that 2017 will see natural substances in the forefront of design yet again. This year they hope to see an increased need for the handmade, with many looking for the imperfect beauty of more authentic, natural substances. With a progressive approach, these substances can be reinterpreted in new ways, building on less conventional ideas of luxury.

 

Colour

While monochrome insides are still going strong, 2017 will see a return to more enthusiastic use of colour especially in the form of coastal interior design. This year the judges hope to see a good deal more colour-blocking come to the fore. Collectively, the judges have seen numerous designers maintaining colour tonal where all finishes are in the exact shades. Opposite to this is a pared back approach to substances where site-specific factors are kept and then juxtaposed against detailed design components in rich materials.

 

Personalisation

 

Eschewing the cookie cutter, generic interior design approach of the past, there will be an enormous emphasis on bespoke design in 2017 too. Every customer is looking for a design solution that reflects and speaks to themselves and their aspirations. With an endless stream of appearances and styles presented within all sorts of media, it’s the role of the designer, today more than ever, to elevate and enhance jobs with private, original and innovative ideas.

 

Buying local

 

It’s something that everyone is becoming more and more conscious about and there is no doubt there’s been a push to encourage local manufacturers of late. In Australia, there’s a definite increase in the local furniture market, which will be great to see, both concerning design and production. This year the judges are expecting to find some high-quality bits being developed for the worldwide market in addition to the local one.

November Sales for Sydney Shoppers

First up in fashion news before we delve in the sales manual for November, this season has seen an array of artists and designers donate to charity, and New Zealand based fashion brand Kowtow is the newest to give a hand.

 

Founded in 2007 by Gosia Piatek, the mindful label has just released collaboration with Melbourne artist Caroline Walls, with lots of their common aesthetics coming to life. The Building Block basic set aims to inspire confidence and empowerment by showcasing the work of Walls who place the female anatomy in focus. They have aligned aesthetics: minimalism and a compact colour palette into their clothes and men’s and women’s shoes which made it feel as a natural and authentic collaboration.

 

The Prices vary from $99-$129, with $20 from every pared-back t-shirt to be contributed to the International Women’s Development Agency to strengthen security and protection for women in the Asia Pacific region, aiming to break cycles of gender based violence. “Ensuring women’s safety and security is the first step in achieving really significant social change. I am really pleased that with Kowtow we can raise funds and awareness to support this in developing countries,” says Walls.

 

The release also coincides with Walls Paddington exhibition display showcase, MAYBE SHE, at Saint Cloche gallery.

 

Sales Guide

 

Missed out on buying one of your previous Ellery favourites? The Parisian inspired Australian cult label, famous for its trademark flares and eyelet bits, is holding a record sale in the Paddington shop across three days, featuring pieces from all seasons at around 80 percent off.

 

Love labels? Then the Parlour X sale should be the first thing you do next Monday, after coffee, of course. There will be deals on brands such as Celine, Chloe, Valentino, Balenciaga, Saint Laurent and Isabel Marant at around 50 percent off recent collections as well as 70 percent off past collections.

 

Designer Emporium Parlour X is holding a sale starting from Monday.

 

Renowned for their unstructured and relaxed collections, Jac + Jack is holding a two-day warehouse sale with previous seasons such as ’17 and exclusive one-off display showcase samples at around 70 percent off. Get excited for signature tees, pants, skirts, women’s shoes and dress designs in addition to linen jerseys, cashmere and accessories for women and men.

 

Australian Brand Ixiah are having their main warehouse sale with archived samples, new year restricted pieces, samples and selected stock reduced to clear. It is the only time that the tag puts their collections on sale. Inspired by a focus on whimsical textures, expect to find loosely fitting silhouettes, dreamy colours and earthy tones.

 

A Bikini a Day founders Natasha Oakley and Devin Brugman are providing their fans with the first peek at their resort 18 collection, Paradise Found, in addition to a chance to meet them both to get a personal styling session in a Sydney pop-up. Their brand Monday Swimwear have partnered with brands such as Sunnylife, By Chari, St Tropez, Homebody and Nakula, just in time for the summer.

 

Christmas is just a month and a half off so if jewelry and watches are in your mind for a present to purchase. The two-day warehouse sale in Chatswood will comprise brands such as Thomas Sabo, JAG and TW Steel in 90 percent off with prices beginning at $5.

 

Next week, Sabatini is holding their summer sale over four-days in Surry Hills. Prepare for warmer weather with a choice of lightweight knits, silk dresses, organic cottons, jersey and linen styles available. The brand adheres into a “Made in New Zealand” doctrine, with every design handmade with sustainable fabrics.

 

Just Opened

 

Following Its successful run as little pop-up store in The Galeries, home-grown bespoke dressing concept for guys gentSac is opening up their first bricks and mortar shop in exactly the same precinct, just in time for Christmas shopping.

 

Featuring carefully selected local and global brands such as Apelles, Mossman, 18.21 and Hunter Lab amongst their own goods, the store is especially curated with tailored grooming products. The brand’s subscription service will also last, a kit containing of premium and essential products in addition to accessories and men’s dress shoes, to equip each man.

 

What’s in this season – Slip Dresses

 

The holiday season is slowly approaching and if you’re planning outfits to take you from work to evening parties, the slide dress is a great “wear anywhere” investment piece. It’s no surprise that the 90s fad’s popularity continues to dominate this spring due to its versatility. Plus it allows the accessories to shine. For work you can opt for a top underneath, blazer with flat shoes, or t-shirts and women’s sneakers for weekend plans. For evening lace heels, Statement rings and a colourful bag will do just fine. Play with textures, ws well with sequins and floral designs, and the typical silks and satin. We’re taking inspiration from Alexa Chung, always.

Producing Quality Site Project Management

Technological advancement has opened up many opportunities for the building industry. However, the building industry also faces many challenges. Jobs are getting increasingly more complicated, there is now economic instability, and higher pressures to not only deliver successful projects but deliver them on time and within budget in order to sell a commercial property for profit. Such factors place plenty of pressure on the building supervisor, as even the smallest of errors can lead to a delay of the entire project schedule in addition to additional costs. Utilizing project management methods effectively can help the construction industry reduce the possibility of failure and deliver projects better. The main aspect in building is the cost factor as it determines that the financial success of a project and affects by other project factors like scope, quality and time. Construction project managers will need to plan the budget correctly but also should continuously compare the estimated costs with the real expenses and adjust the budget plan accordingly.

Failure to do so can cause a good deal of problems in the long term. Do not forget that it’s far easier to take care of a 10% budget overrun at the beginning than a 50% overrun in the end, when it’s too late to turn it around. Changes and dangers also pose as threats to the budget program. A lot can and will fail in construction that’s the reason why comprehensive conflict and crisis management skills are essential to complete projects successfully. As construction projects are becoming more complicated and with a great deal of stakeholders involved, it’s absolutely crucial to have a clearly structured job program and schedule that can be utilised through mobile job management software. The first step is to recognize the more general tasks and then split these jobs to more specific sub-tasks. Additionally, it is important to not forget to add tasks that precede the actual construction, like removing vegetation to clean up the work site.

In terms of the scheduling of the jobs, you always need to prioritize tasks and variable in eventual dependencies as some jobs can run parallel whereas others may only start if the predecessor tasks are completed. Additionally, include milestones and deadlines that serve as guidelines in addition to motivation to the building team. This may all seem like it’s a given for experienced construction supervisors, but meticulous preparation requires a whole lot of time and effort and isn’t something which is done like this.

As construction projects are so varied and productivity is dependent on so many diverse factors there’s not one ultimate productivity measure. However, every job can and should regularly compare actual performance with goal performance. This can allow you to identify unproductive activities and procedures and find a solution to improve efficiency and effectiveness instantly. An excellent job manager always knows how to delegate and outsource jobs. Allocating the correct people to the proper jobs is vitally important, especially in building. You want to assign people depending on their abilities, experience, and their accessibility, which will also help with maintaining and improving your quality management system.

Globalisation has contributed to more rigorous competition for the building industry, but it has also opened up the labour markets. Construction supervisors have access to a diverse and highly skilled international workforce. This enables them to design a more flexible and cost-efficient personnel plan and use a talent pool, which wasn’t available to them earlier. New cooperation and communication technologies support this tendency of remote teams but also meet the growing demands of customers to immediate and effortless access to information updates concerning the construction project, especially to stakeholders such as commercial property agents who are making arrangements to sell a property quickly.

As there are several stakeholders in a building project, effective communication is very important for the project’s success. In actuality, the majority of project failures are a consequence of insufficient communication between parties concerned. So to make certain that communication does not break down, you will need to create a clear strategy from the very beginning, outlining the communication process and the technique, and be certain that everybody understands and adheres to it.