How do I make lots of money? What is the best business to buy?
Ahhh…..a question most of us have on our minds from time to time. In a world that is constantly changing, the answer to this question is also changing daily.
The dynamics of business are evolving at a speed we’ve never seen before. Dot com businesses with no shop fronts and few staff are rapidly overtaking traditional models.
In the past, to be successful a business owner needed a great location, a large premise, a receptionist at the front, and dozens of well-dressed staff running around to impress customers. In today’s world times have changed quickly.
Big business no longer requires large retail space. Banks are rapidly closing branches in favour of going online. Other retailers too such as Harvey Norman, David Jones and Myer are surely feeling the pinch from online giants Kogan and Amazon.
Newsagencies are also suffering. The global trend of receiving our news online is slowly but surely reducing the demand for retail newspaper sales. Entertainment also has changed. 10 years ago, I would regularly rent a video or DVD from my local Blockbuster Store. Today I simply log on to Netflix or Stan and click to view a smorgasbord of entertainment.
Even the way I travel has changes. I no longer get a taxi our on a Friday night for dinner. It costs half as much for me to get an uber, and the service seems to be at the very least equally as good.
So, getting back to our question, the modern-day success is more of a concept. The rich list has essentially worked out how to effectively go around the traditional models and deliver goods and services more efficiently and at a fraction of the cost. Even my local butcher recently advised me that he is doing more business online today than he is from his retail store.
If you’re looking at buying a business, it’s more important than ever that you consider the huge impact that online competition may have in the future. Certain businesses which are service based such as Hair Salons, and Car Wash services are largely protected. But businesses which rely on a product or service which can be delivered online are now directly in the firing line. Other important matters to consider may be the ease of which the business can be replicated, and the uniqueness of the product or service being offered.
If you can find a unique business or product which has managed to find a niche in the online world then you will be starting in a great place. The world is changing more rapidly than ever before. If you’re trying to figure out how to make lots of money, then you need to consider the constant rise of technology and the potential competition you may encounter along the way.
A new type of dental implant has been developed that not only resists bacteria, but also generates electricity. This smart implant is made of titanium and coated with a material that contains zinc oxide nanorods. The nanorods are electrically conductive and work to kill bacteria that come in contact with them. Additionally, the nanorods generate an electrical current when they are exposed to light. This current can be used to power a tiny sensor that is embedded in the implant. The sensor is used to monitor the health of the surrounding tissue and can send data wirelessly to a nearby computer. The researchers who developed this implant believe that it could one day be used to powered devices such as pacemakers or hearing aids.
What are dental implants?
Dental implants are a popular and effective way to replace missing teeth. They are made of titanium and are surgically inserted into the jawbone. Over time, the bone fuses with the implant, making it a strong and stable foundation for artificial teeth.
Implants are an attractive option because they look and feel like natural teeth. They also allow you to eat and speak normally. And unlike dentures, implants don’t slip or click.
Smart dental implants are made of a material that is able to resist bacteria and generate electricity. The implant is placed under the gum line and attaches to the jawbone. The implant provides support for the false tooth or teeth and prevents them from moving.
The benefits of smart dental implants
Smart dental implants are a new type of implant that is coated with a material that is resistant to bacteria. The material is also able to generate electricity, which can be used to power a toothbrush or other devices. The benefits of smart dental implants include:
1. Reduced risk of infection: The bacteria-resistant coating on smart dental implants reduces the risk of infection, which is a common complication with traditional implants.
2. Increased comfort: The electric current generated by smart dental implants can be used to stimulate the nerves in the teeth, providing a more comfortable experience for patients.
3. Better oral health: The electric current generated by smart dental implants can also be used to kill bacteria in the mouth, improving oral health.
4. Environmentally friendly: Smart dental implants are made from environmentally friendly materials and do not require the use of batteries or other disposable items.
How to get smart dental implants
Dental implants are an increasingly popular way to replace missing or damaged teeth. They are strong and durable, and can last a lifetime with proper care. But what makes them “smart”?
Smart dental implants are made from a material that resists bacteria and generates electricity though it generates electricity but not enough to kill a child. This means that they are less likely to get infections, and can help to power dental devices such as toothbrushes and flossers.
To get smart dental implants, you will need to visit a dentist or implant specialist. They will assess your mouth and determine if you are a good candidate for the procedure. If you are, they will insert the implants into your jawbone and allow them to heal. Once healed, you will be able to use them just like your natural teeth!
Are there any risks associated with smart dental implants?
Yes, there are some risks associated with smart dental implants. The most common complication is infection at the implant site. This can happen if bacteria get into the implant during the surgery or if the implant becomes loose and allows bacteria to enter. Other risks include nerve damage, which can cause numbness or tingling in the lips, gums, or chin; and damage to the teeth nearby.
Conclusion
The Smart Dental Implant is a new type of implant that is designed to resist bacteria and generate electricity. This new technology has the potential to revolutionize dental implants, making them more effective and longer lasting these are the things that matter most to dentists. The Smart Dental Implant is still in development, but it shows great promise for the future of dental implants.
A great architect can turn your dream into reality, however, it is about finding the architect that can do this for you.
Loving an architect’s past work is not the only consideration when choosing one to renovate your home or new building project. There are other just as important factors to consider also. Things like qualifications, experience, integration of style and if you could work comfortably together throughout the journey.
Here are some tips where to look for a great architect, what to ask, and how to go about choosing the right one for your project.
One or two of the biggest mistakes people make when selecting an architect are these:
Not choosing an architect who is compatible with their needs. If you are passionate about contemporary architecture and they are not will be a problem. There will be clashes of views for sure.
Opting for the cheapest fee when choosing an architect. You need to compare apples with apples, like are they actually producing the same service?
Don’t underestimate the amount of work involved in the contract documentation. To get an idea of the level of detail required, ask your architect to show you a previous client’s set of working drawings and specifications. Then compare them with what is shown by other architects you are considering. Its worth noting here that it is not worth the risk to save money on an architect’s fees by carrying out the contract administration and managing the on-site part of the job yourself. Nine times out of ten it’s a very expensive learning experience all in the endeavour to save a few dollars.
Make sure you chose an architect that has proven experience, not only in the design process, but also overseeing the project during construction. They will act as your agent during the build to answer all the builder’s queries, issue instructions on variations needed or that you may want changed, and making sure you get the finished building that was designed in the approved plans.
Who should you ask for recommendations?
Family, friends or work colleagues who have previously used an architect is a good starting point, as they have first hand experience of them and you trust their thoughts if you are asking them. You can also look up The Royal Australian Institute of Architects register of professions in good standing with them.
It’s also important to not choose the architect who tells you they can build to your project to budget, when every other architect or quantity surveyor has told you it cannot be done.
When interviewing a prospective architect, ask them to clearly state the boundaries of their expertise and what is and isn’t included in their fees. Your budget should include an allowance for additional contingency amount for expenses such as permit fees and other consultants’ fees.
In the final stage of your selection process, we strongly recommend that you ask for referees you can contact that have done similar projects that you are doing. This should also include builders and other consultants such as structural and civil engineers. You’ll be able to gauge by their feedback if the architect is capable of providing the standard of design and oversight that you are looking for.
What should you look for on an architect’s website?
The description of services they offer is a good starting point.
If you have a particular style in mind, see if the architect’s work aligns with your vision.
Make sure the architect has the ability to delivering what you want. For example, if you want a brand new home, don’t choose an architect who specialises in clubs and retail complexes
Read testimonials and references online and check the reviews on their Google my Business listing.
See if you can ascertain whether their work is built to budget, or if there is a common theme running through their portfolio and referees that their final design was too expensive to build and had to be cut back.
The blogging team have had personal experience with The Quinlan Group, Architects Sydney Residents trust. They have extensive experience and awards in residential home design. To learn more about them visit their website here: www.thequinlangroup.com/residential-architects/
In exclusive interviews with The City Weekly, Sydney event and party hire operators have confirmed that the city has broken out of the pandemic period and it’s end of year event season is set to bring a vibrant, colourful and playful end to the year.
Peter Smith from Fencing Hire said this to The City Weekly when interviewed, “We are simply amazed at the booking demand for temporary and security fencing leading up to and after the festive season from both Sydney corporates and event managers.”
Temporary fencing has been particularly in strong demand as strict crowd control and managed numbers at events, post the pandemic period, is high on the minds of event organisers.
Another surprise to The City Weekly was the increased demand for adult jumping castles at events being recently held. A spokesman for Ash Jumping Castle hire said he had not expected the interest to be so high and the creativity of party organisors has been a real eye opener for us, just when we have thought we had seen everything possible to be done with jumping caustles!
Add this boxing ring and dual it out with your ‘work’ opponent or mate in style, but be careful not to get too close because he’ll be able to knock you to the floor in the oversized gloves! Hilarious entertainment all ages can enjoy, even the older ones that want to get a swing or two in and don’t worry its completely harmless so go nuts. It’s a great addition to liven up a party and get people having fun in no time, and with the ring unit is 4.5m x 4.5m its perfect for even a back-garden event.
The Scooby Doo and Shaggy haunted castle is a fun one for adults to explore, but is it really ghosts or just another bunch or fakes? Those meddling are going to have to hop into the mystery cruiser to figure it out, so are you brave enough to join them on their next quest? This heavy-duty castle is an old favorite and fully enclosed for safety, a great option for both kids, adults and comes with rain and sun protection too.
The Blog chicks team are delighted to have Sally Hillmans permission to publish for our readers her just released top ten champagnes list of 2022. You can view her website and array of champagne gifts here: https://sallyhillman.com.au
It’s hard to believe we are fast approaching the penultimate month of the year already.
As family and friends reunite across the country, we have no doubt your social calendars are as bright, inviting and full as an overflowing Santa stocking on Christmas morning. For many, there has never been a greater time for cheer and celebration—and, in our eyes, there is no greater way to toast to the occasion than with a glass or two of champagne!
In honour of the familiar comfort we find when laughing with loved ones amid balmy champagne sundowners, we’d like to share with you our top ten cuvées of 2021. These champagnes have carried us through the highs and lows of the year, accompanied our gourmet adventures in the home kitchen and become veritable pique-nique staples alongside baguette, cheese and charcuterie!
Join us in raising a glass to celebrate champagne and the connection it bestows—life’s effervescent tonic for every occasion.
Champagne All Day, Every Day
This year, we surprised and delighted our loved ones (and ourselves!) with champagne gift sets and hampers in celebration of the good days, commiseration for the bad days and everything in between. As we sent joy and well-wishes across the country, bringing happiness and anticipation to both gifters and giftees, the unique calling card of champagne became even more profound and prized: No matter the time and place, champagne is always the perfect pick-me-up present!
Our everyday favourites: Nicolas Maillart’s Extra Brut NV and Larmandier-Bernier’s Latitude NV.
A classic blend of 50% Pinot noir and 50% Chardonnay from the Montagne de Reims, Extra Brut is Nicolas Maillart’s introductory cuvée, achieving elegant consistency and superb richness with each release. Boasting a high percentage of barrel-aged reserve wines and fresh Chardonnay accents, Extra Brut is festive and versatile in its mesmerising ability to elevate all moments and experiences.
Another generous and enchanting offering is Larmandier-Bernier’s Latitude NV. A Blanc de Blancs (100% Chardonnay) champagne, fruit is sourced exclusively from vineyards along the same latitude in the south of Vertus. Here, the Côte des Blancs terroir is rich, imparting a charming and rounded character to the cuvée that instantly transports you to the chalky hillside of the Côte des Blancs with just one stimulating sip.
Crowd-Pleasers & Tastebud-Teasers
In similar fashion to our everyday winners, Chartogne-Taillet’s Cuvée Sainte Anne NV and Laherte Frères’s Ultradition NV are also crowd-pleasing palate-cleansers. Tantalising and delicious, these cuvées accompanied the milestones of the year—birthdays, anniversaries and special days to remember—as well as the turning points of the week—hump days and Fridays (always Fridays!). Expressing a vivid picture of their provenance in their namesake, label art and the tangible taste of terroir itself, these cuvées also offer themselves as enthralling conversation-starters with fellow champagne enthusiasts and epicureans.
Named in honour of the patron saint of Merfy (the village in the Montagne de Reims where Chartogne-Taillet is headquartered), Cuvée Sainte Anne is assembled from several unique and diverse plots planted between 1970 and 2009 in Merfy andry. Saint-Thierry. Comprising 50% Chardonnay with the remainder being mostly Pinot noir and Meunier, fruit is harvested from vines rooted in diverse terroir such as sand, clay and chalk, which ultimately contributes to the wine’s distinct vibrancy, opulence and crystalline finesse.
Laherte Frères’s flagship cuvée, Ultradition NV, is everything you’d expect—an experience that delivers consistency and delight with each release. The cuvée that Aurélien Laherte is most proud of, Ultradition, remains a blend of Pinot Meunier (60%), Chardonnay (30%) and Pinot Noir (10%) and is remarkable in its ability to highlight individual personalities of each grape variety. Another captivating feature is the special bottle labelling. Previously a replica of a family original, Ultradition’s label has recently undergone a new, artistic transformation with the help of Swedish illustrator Hanna Albrektson. Bright and eye-catching with a gorgeous natural scenery illuminated in gentle brushstrokes, the label is inviting and soothing—perfectly attuned to the comfort and pleasure derived from enjoying a faithful classic.
Pique-nique Perfection
As one of the few acceptable reasons for social gatherings, picnics became a sacred privilege for all of us. Each weekend, we set out with arms full of market produce and champagne, kicking off our shoes and laying down on the picnic blanket in the most idyllic, sun-drenched spot. The sensation of firm earth and soft grass caressing our soles (and souls), combined with the merry chatter and melodious sound of feasting and drinking, always left a lasting impression on us—a quaint touch of je ne sais quoi to the simple experience of enjoying the great outdoors with even greater company and champagne. We hope picnics are here to stay because we just can’t get enough of them!
Our top pique-nique champagnes are Louis Roederer’s Collection 242 and Rosé 2014, beautifully presented in Louis Roederer gift boxes for entertaining and creating a picture-perfect flat lay.
The first of the Collection series, and a worthy successor to Brut Premier, Collection 242 was inaugurated in September 2021 to much anticipation. From a powerhouse Estate with grower-producer spirit, the intent of the series is to create a modern, expressive wine that reveals the intricate nuances of any given year’s harvest. With no two numbered versions of Collection being the same, this represents a philosophical, terroir-driven move away from the traditional Grande Marque approach of producing a consistent House style each year. A thrilling masterpiece that is picnic-approved and pleasure-inducing, Collection 242 heralds a new era of innovation and progress for Champagne Louis Roederer.
Equally special and quintessential for picnicking is Louis Roederer’s Rosé 2014. A champagne rosé of great vigour and intensity, this vintage combines ripeness and zesty red fruits with a stimulating, palate-tingling salinity that makes it ideal for food pairing. Comprising Pinot noir (63%) and Chardonnay (37%) cropped from 35 small Estate plots encompassing the Vallée de la Marne and the Côte des Blancs, respectively, Pinot noir is macerated with a small amount of Chardonnay for a long, gentle ‘infusion’—a unique method for creating champagne rosé that preserves both ripeness and freshness. Rosé 2014 is deliciously decadent with picnic favourites such as a creamy and tangy egg salad topped with fresh, aromatic herbs or a luxurious wedge of soft-ripened, double crème cheese.
Sunny Sippers
Whether it’s a warm spell in autumn, a bout of sunshine after rain in winter, lingering sun-lit days in spring or relaxed, balmy nights in summer, there will always be a need for refreshing Blanc de Blancs and champagne rosé year-round! These champagne styles are crisp and thirst-quenching, ideal as invigorating aperitifs or matched with light starters, salads, fresh seafood or a sliver of aged Comté for the ultimate sundowner pairing.
Served well-chilled on the patio for a moment of alfresco dining, Pernet & Pernet’s Les Herbevoies 2015 and Pierre Gerbais’s Grains de Celles Rosé NV can be enjoyed throughout the year.
A new and exciting addition to the Sally Hillman portfolio, Champagne Pernet & Pernet is a star in the making. Farming just 9ha of vines in the Côte des Blancs and the Montagne de Reims, the small, qualitative Estate has recently inaugurated three single-vintage, single-varietal cuvées from Chardonnay and Pinot noir, grown in small, organically managed parcels. Stamped with intense minerality—the signature of the Côte des Blancs—Les Herbevoies is a vintage Blanc de Blancs champagne that offers both freshness and maturity with a touch of toast and nuttiness attained through careful winemaking and patient ageing. Eponymously named after the lieu dit(single parcel of vines) it is crafted from, this vineyard is located to the north of Vertus and has a gentle south-east exposure. A wonderful cuvée to savour on its own or paired with a fresh salad of crisp gem lettuce, Cantabrian anchovy, egg and crouton, drizzled with a creamy lemon vinaigrette.
Pierre Gerbais’s Grains de Celles Rosé NV is an invigorating champagne rosé, elegantly revealing her terroir in freshness of fruit and fragrance. Paying homage to Pierre Gerbais and his devotion to cultivating distinct vineyard soils after World War II, this champagne rosé is the bottle incarnate of Pierre’s life’s work in diverse terroir selection and an exact representation of the Domaine’s holdings today, which comprise 50% Pinot noir, 25% Chardonnay and 25% Pinot blanc. The addition of red wine (5% Coteaux Champenois Rouge, a 100% still Pinot noir) produces this vibrant, refreshing and accessible champagne rosé with just enough tannic grip to complement all meals, any time of the day and season.
Food & Wine for Thought
At Sally Hillman, we believe champagne is incredibly versatile with all manners and styles of cuisine. Stimulating, citrus-focussed Blanc de Blancs find natural affinity with freshly shucked oysters, while ample, generous Blanc de Noirs have the textural weight and vinosity to support hearty, savoury dishes. Together, the natural high acidity and cleansing effervescence of champagne freshen the palate and prime the tastebuds, ready for the next delicious bite—a distinctive quality and unique point of difference that makes champagne the king of all beverages.
Jm Sélèque’s Solessence Rosé NV and Nicolas Maillart’s Montchenot NV are the gastronomic cuvées we have found ourselves reaching for time and time again to accompany our culinary creations for home entertaining.
The latest release of Solessence Rosé is based on the 2018 vintage, comprising a champagne blend with the addition of skin-contact Meunier and Coteaux Champenois Rouge. Red fruit and savoury notes are impressed on the palate as intense and magnificent minerality lend textural complexity and nuance, making this the ideal champagne rosé to serve with salmon sashimi, traditional spanakopita or beef bourguignon atop buttery roast potatoes.
Champagne Nicolas Maillart ‘Montchenot’ 1er Cru NV A new addition to Nicolas Maillart’s portfolio, Montchenot NV comprises 85% Pinot noir and 15% Meunier from closely located vineyards in the hamlet of Montchenot in the village of Villers-Allerand. Home to Nicolas’s mother, Villers-Allerand lies at the junction of the Petite Montagne and the Grande Montagne de Reims, uniquely sharing each regions’ geology, resulting in great terroirdiversity (chalk, clay and sand). As Nicolas explains, this cuvée shares the philosophy of Burgundy Village wines, as each plot is blended to represent a single village. Terroir-expressive and rich, Montchenot is a gastronomic champagne with wonderful clarity of flavour and a long, savoury finish boosted by brilliant acidity—a perfect companion with food such as salt-grilled Alfonsino collars served simply with a squeeze of lemon, and creamy dishes such as Fettuccine Alfredo or a homemade chicken and leek pie.
Special Mentions & Self-Care Indulgence: Champagne Suenen
Reminders to check in with ourselves and each other have never been more important.
Whether that meant hitting the snooze button and enjoying a second sleep-in on the weekends; donning bright, colourful clothes to lift spirits; practicing meditation; or simply calling up friends and family to say bonjour, we found meaningful ways to overcome adversities and reconnect with our loved ones in 2021. From curating virtual tasting experiences to special moments of self-care indulgence, we made time to pamper ourselves and each other with unique champagne gift sets and hampers, bringing happiness, well-being and connection to the mind, body and soul. As we like to say—no matter the time and place, champagne is always the perfect pick-me-up present! And nothing says ‘treat yourself’ like a very rare and exceptional bottle from Champagne Suenen, such as the Oiry NV or Les Robarts 2014.
A Blanc de Blancs specialist, Aurélien Suenen cultivates just over 3ha of vines across the Grand Cru villages of Cramant, Chouilly and Oiry in the Côte des Blancs, as well as a small parcel of ungrafted Meunier in the village of Montigny-sur-Vesle at the very edge of the Champagne appellation. One of the highest-rising stars of the grower-producer movement in the past 15 years, Aurélien produces very small quantities of both vintage and non-vintage champagnes that showcase a single village or vineyard. With 50% of the Domaine’s total holdings located in Oiry, Aurélien is currently the only grower-producer vinifying Blanc de Blancs cuvées derived solely from Oiry vines (Oiry NV), precisely extracting the profound depth of minerality and salinity from the compact Campanian chalk and providing a unique opportunity to taste an exclusive Grand Cru terroir.
Another stellar offering from Aurélien is Les Robarts 2014. A fabled and outstanding terroir, this lieu dit straddles the border between the Grand Cru villages of Cramant and Avize in the Côte des Blancs. Renowned as one of two sources that make up Champagne Agrapart’s legendary Avizoise cuvée, Aurélien’s parcel lies at the top of a small hill in Cramant with 70% of vines exposed to the south and 30% exposed to the north. The vines sit on clay-rich soil over upper Campanian chalk, creating a powerful Blanc de Blancs champagne with notable tension, salinity, concentration and an incredibly polished texture derived from pervasive terroir and meticulous winemaking.
Thank you for joining our Top 10 Countdown for 2021, along with a few extra special champagne mentions! We hope you continue to find moments of magic and intrigue in your own champagne journey as we endeavour to bring more in 2022!
Merci et santé!
Sally Hillman – Celebrating Champagne is one of Australia’s leading online retailers of fine champagne, Lehmann glassware and champagne gifts for corporate & special occasions. They have also become well known for creating bespoke champagne experiences and virtual tastings.
Specialising in the flourishing world of boutique grower-producer champagne, Sally Hillman Founder and Principal is personally available to guide you on your journey of discovering the irresistible magic and sophistication of champagne.
So, you are looking for a house mortgage? Facing a financial crisis and the only collateral property you own is your house? In both scenarios, you need to mortgage the house. However, you are like many people in this situation perplexed with the idea of taking out a mortgage on the property and the uncertainty around doing this. When you search the market for information on this, loan sharks and real estate giants are there to entice you with promotional deals and cheap interest rates. How do you make the right decision and who can legitimately provide you with the mortgage options?
There are several mortgage types available in the market whose nature is like one another, however, there are various places that offer these mortgages. Each option has the pros and cons and we will discuss some of these in detail below:
1. Banks: Choosing a bank to get the mortgage is an obvious choice for many because nothing can be a more reliable option than a banking institution when you are dealing with your finances. Banks are the most common source for lending and financing. However, the banks in Australia are regulated by the Australian Prudential Regulation Authority (APRA) and have set some standards to allow the credit facilities. The banks as a financial institution take deposits from their regular customers in return for a suitable interest rate for the period of deposit.
Similarly, they lend the fund to clients needing funds in return of higher interest rates than they pay to their customers for the deposits. However, while advancing the funds to the clients, they take collateral from them for the period of the loan and until the principal amount, as well as interest, is recovered in full. Hence, mortgaging a house with the bank is also a form of loan where the collateral is the house that you keep with the bank. In case, you are unable to repay the loan, the bank will sell your property to recover the loan. The authority of the bank to deal with the mortgaged property depends upon the nature of the mortgage you have undertaken.
2. Loans from Sydney Mortgage Brokers: The mortgage broker is the agent who act as a facilitator between you and the potential lender. When you approach a mortgage broker for the purpose of getting a loan in return of the collateral, they analyse the value of the property being offered and offer you various proposals that are available with institutions offering to advance the money. Mortgage brokers explore several market options and proposes you the best available rate by negotiating with numerous possible lenders. Generally, the brokers do not charge any fee in return for their service, they are compensated by the lenders with either commission or a fixed fee. The option of mortgaging a home via the use of mortgage brokers is secure and provide various options for you and could well be cheaper interest rates and better terms than compared to you going to your bank directly.
3. Cooperative Credit Unions: The members of a cooperative organisation, jointly own and manage this financial institution for the interest and benefit of its members or shareholders. They offer similar facilitiesas provided by the banking institution, but the service is limited to its shareholders or members. The union collects the saving and deposits from shareholders in return for some attractive interest rates and the same funds accumulated is offered as a loan to the other shareholders meeting the lending criteria set. However, these organisations do operate with a non-profit motive and generally charge lesser fees and interest rates as compared to the banking institutions.
4. Mortgage Managers: Unlike the brokers, there is no third party involved in this scheme of lending. The lenders directly deal with the borrowers for the reason of mortgaging and advancing the loan. Contrary to the other schemes of financing, the mortgage managers do not collect deposits from the customers for advancing the same fund to the debtors. Rather, their funds are generated by the means of securitisation, which they further invest in the market in the form of saleable securities. The lender of fund become the ultimate owner of the mortgaged property for the term of the loan. However, the role of mortgage manager is to arrange the funds and manage the loan throughout the period.
The entire process of dealing with any finances is extremely intimidating for those not familiar with handling such matters. You would want the most attractive interest rates as possible, however, the security of the collateral and hassle-free dealing is also a consideration. Therefore, the wiser decision would be to analyse all the available market options, the certainty and reliability of the service and flexibility. It is advisable to keep the intermediaries in between you and the lending institution because of the the potential for higher interest rates compared to dealing directly with the institution and multiple commission tiers you may be indirectly be paying for with the increase in the number of parties involved.
Things To Consider…
Getting a competitive home loan in 2021 has become harder than many can ever recall. The mortgage application details and disclosures are making or breaking a deal if it does not fit the banks latest criteria.
Here are three tips that can help you get the approval you need:
A stable savings history
One of the key things banks and lenders insist on seeing in 2021 is an applicant in a sound financial position. They need to know that if they lend you money that you will be able to comfortably pay it back and have all your affairs in order.
Lenders also need to see what you have saved up towards your loan and how much you are prepared to contribute to the purchase.
Regular saving an ongoing fixed amount of earnings every week or month demonstrates the discipline to save towards a goal and meet obligations. Saving an amount equal to or better than the expected loan repayment needed gives the bank comfort in giving you a home loan.
We cannot emphasis enough the benefit of being able to demonstrate a stable savings history.
Reduce Your Debts.
At the time you make your loan application, you really want to have fewer debts than you have now . Its advisable to minimise and simplify your debts and decrease your living expenses as much as is sustainable.
Cancelling unused credit cards or paying off one or more of personal loans you have. This will allow the bank to easily understand your financial position and your ability to pay off the loan they advance you.
Stable and Verified Income
Your ’serviceability’ of the proposed loan is paramount in the minds of the financial institution you are approaching. They need to be convinced beyond doubt if can afford to borrow the funds and pay it back.
If you have a regular job, get paid every week or month via a regular pay slip from your employer, the bank first wants to see that the pay slips match your bank deposits. If your situation is complicated, the lender will require more information. Especially if your earnings are made up of commissions, bonuses or irregular payments, they will want assurance that these earnings are a regular & stable part of your yearly income.
Getting the paperwork together to prove your ‘sustainable income’ can seem tedious, but is key to getting your loan approved in a timely manner.
This year, business owners are advised to take extra care with the cleanliness of their carpets to prevent spread of flu and other harmful bacteria.
Dirty carpets can affect employee’s health and wellbeing. Carpets that are dirty harbour harmful bacteria and allergens that can cause health problems such as allergies, skin problems and asthma. If your staff suffer from existing health and skin problems, a dirty carpet in your office could make it worse.
There are many things that you can do to prevent yourself and staff from getting sick from your carpet.
We have listed below three common tell-tale signs that will tell you that your carpet is unhealthy. If the carpet has one or all these symptoms, then it’s time to call a professional carpet cleaning company to eradicate the problem.
1. Is your carpet giving out an unpleasant odour?
Your office or home should not have an unpleasant and musty odour. This smell may be coming from your carpet. If you have pets at home or visit the office and they had an accident or were ill at some stage, the animal spills can create an unpleasant odour. Mould can also cause carpet to develop an unpleasant smell.
Mouldy carpets can cause health problems. Breathing in mould into your lungs can result in several types of respiratory conditions. That is why if you suspect that you have mould in your home or office, you will need to call a professional carpet cleaner immediately to treat and restore your carpet. Mould left untreated will eventually damage the carpet fibres and it becomes costly to replace or repair.
2. Are there ugly spills and stains on the carpet?
If your employees spill food or drinks on your carpets, clean the spill up quickly. When removing spills from your carpet use a gentle dabbing or blotting action to prevent the stain from going deeper into the carpet. What you use to clean and remove a stain depends on the type and spread of the stain. And always, complete a spot test before attempting to remove the full stain.
Google offer many handy tips on how to remove different types of stains in your carpet. Most tips utilise products that you can easily find in your pantry. If you are unsure of what to do, it may be prudent to call an expert and seek their advice.
More difficult or suspicious looking spills should be treated by a professional commercial carpet cleaning company. Doing it wrong can result in the stain spreading into the carpet fibres or permanently damaging the carpet fibres or removing the colour pigment from them.
3. Are there any tears or rips in the carpet?
Tears and rips are health and safety hazards at any commercial office. If your carpet is uneven, it can cause accidents and falls in the workplace. A torn carpet will need to be repaired by a professional carpet repairer. Do not try to glue it back together or use tape to hold it in place or cover it.
If the underlay beneath the carpet has come loose, you may also need to call in the experts. The underlay holds the carpet firmly in its place. It is also the protective layer over the flooring underneath so do not ignore it if you notice any unusual signs.
How to keep your carpet in tip top condition
There are a few simple things you can do to keep the carpet in your home in tip top health.
Here are some things you can do:
1. Use a Vacuum Cleaner with a HEPA Filter
Carpet cleaning experts do not always agree on how often the carpet should be cleaned. However, many agree that your carpet should be vacuumed at least once a week. If you have pets or young children at home, then you are advised to have to vacuum your carpet more regularly.
The best vacuum cleaners to use are the ones that have a HEPA filter. They are more effective for removing dirt and debris than traditional vacuum cleaners.
Regular vacuuming helps remove surface dust & dirt as well as small objects from your carpets. The carpet will look cleaner and fresher.
2. Use a Doormat
You can reduce the amount of dirt and debris that gets tracked into your home and office by using a doormat. Doormats are inexpensive but highly effective. Dust and dirt trapped in carpets when trampled on acts like a sandpaper to wear down your carpet fibres. Over time, the carpets in your office will start to look old and worn.
3. Use Rugs
Putting a rug in high foot traffic areas (for example, the hallway) is a good way to preserve your carpets. Rugs come in all price range. Pick a colour from your furniture or walls and match your rug in this colour. Alternatively, you could buy an eye-catching piece and make your rug the centrepiece in the office.
Rugs must be professionally cleaned by a commercial carpet cleaner to maintain its good looks. Get them cleaned the same time you get your carpets cleaned.
4. Get Your Carpet Professionally Cleaned
Even if you meticulously vacuum your carpet, you will still need to have it cleaned by a professional at least once a year. You can rent equipment to steam or dry clean the carpet but the truth is a professional carpet cleaning company will deliver better results. Carpet cleaning companies use hot water extraction method to steam clean your carpets. They do not use harmful chemicals and have powerful driers and dehumidifiers to ensure your carpets are properly dried.
Professional carpet cleaning is affordable and many companies will provide a service guarantee on their job.
5. Avoid Office Falls Replace Your Old Carpet
Irritants can build up in your carpet over the years. That is why you will eventually need to have old office carpet replaced. You will also need to have your carpet replaced if it is worn out.
If you live in Sydney & need a professional carpet steam cleaner?
Our blogging team have had great experience dealing with Deluxe Carpet Cleaning, one of Sydney’s best commercial and residential carpet cleaning companies. For more information about their wide range of services or a free quote, visa their website here: https://www.deluxecarpetcleaningsydney.com.au
Experience does matter and they have been in business since 2004. They use high-quality products that are non-toxic, biodegradable, leaving no chemical residues, providing a healthier environment for all your employees & loved ones.
The Blog Chicks team came across this article written by 2 East Removals, a specialist removalist Perth business and home owners trust and they have agreed that we can publish it for our readers to learn from. We appreciate them allowing us to do this.
Moving is undoubtedly stressful. There are dozens of tasks to complete, and all usually within a narrow timeframe. One important aspect this is frequently overlooked by people moving is making sure you book a removalist with the correct sized vehicle. The last thing you want on moving day is three or four trips back and forth in a truck that is far too small for your move. The question is, how do you select the right type of vehicle for your move? Read on for a decent guide based on your house size.
Before I start, I will explain what a CBM is.
CBM
CBM stands for cubic metre. One cubic metre is one metre wide by one metre high by one metre long.
To make this easier to envision for your move, I will list some furniture and their general cubic metres. I’ve also attached a video to help picture this is a removal truck more easily.
Book and Wine Carton: 0.1 cbm
Tea Chest Carton: 0.15 cbm
Double Bed and Mattress: 1.2 cbm
Queen Bed and Mattress: 1.8 cbm
Washing Machine: 0.6 cbm
Fridge: 1–1.5cbm
Three-Seater Couch: 1.5 cbm
BBQ: 0.75 cbm
Bookcase: 0.6 cbm
Piano: 2 cbm
Three-Tonne Truck
A three-tonne truck has a capacity of anywhere between 17 cbm and 25 cbm.
Can’t picture a three-tonne truck? Picture the small rental trucks companies such as Hertz and Thrifty hire out for people doing a DIY move. These trucks are common in removals because they don’t generally require a truck licence.
These trucks are great for poor-access areas, such as narrow driveways. They are also suitable for inner city moves to places like apartments because Perth City Council is very strict on parking larger trucks.
This size truck will generally fit belongings for a one- or two-bedroom property and small 3×1 Properties, such as a townhouse or duplex.
Five-Tonne Truck
A five-tonne truck is a good sized truck for most moves. Ranging from 30 cbm to 40 cbm, they can generally work in properties with poor access and are a lot more versatile than an eight- or ten-tonne trucks while still holding a good amount of furniture.
Suitable houses would be most 3×2 properties, such as townhouses, villas, and detached houses.
Eight-Tonne Truck
Now we are getting into the larger sized trucks. Most suitable for houses with good access, such as a driveway or good street parking, eight-tonne trucks fit between 40 cbm and 50 cbm. Most come with a ramp or a large hydraulic lift. Make sure you go with a company that has one or the other.
These trucks are suitable for over 70% of four-bedroom family houses.
Ten- and Twelve-Tonne Truck
The largest available Pantech (closed roof) trucks you’ll see for house moves in Perth are ten- and twelve-tone trucks. They can range anywhere from 50 cbm to 65 cbm. Very few properties will need two trips with these trucks, and if you do, you either have to much stuff or a huge house!
These trucks are suitable for four- to six-bedroom houses with four to six occupants.
Thanks for reading and hope this information can help you select the right truck for your move.
Grey carpet texture and cleaner, close up, indoors interior design
This year, business owners are advised to take extra care with the cleanliness of their carpets to prevent spread of flu and other harmful bacteria.
Dirty carpets can affect employee’s health and wellbeing. Carpets that are dirty harbour harmful bacteria and allergens that can cause health problems such as allergies, skin problems and asthma. If your staff suffer from existing health and skin problems, a dirty carpet in your office could make it worse.
There are many things that you can do to prevent yourself and staff from getting sick from your carpet.
We have listed below three common tell-tale signs that will tell you that your carpet is unhealthy. If the carpet has one or all these symptoms, then it’s time to call a professional carpet cleaning company to eradicate the problem.
1. Is your carpet giving out an unpleasant odour?
Your office or home should not have an unpleasant and musty odour. This smell may be coming from your carpet. If you have pets at home or visit the office and they had an accident or were ill at some stage, the animal spills can create an unpleasant odour. Mould can also cause carpet to develop an unpleasant smell.
Mouldy carpets can cause health problems. Breathing in mould into your lungs can result in several types of respiratory conditions. That is why if you suspect that you have mould in your home or office, you will need to call a professional carpet cleaner immediately to treat and restore your carpet. Mould left untreated will eventually damage the carpet fibres and it becomes costly to replace or repair.
2. Are there ugly spills and stains on the carpet?
If your employees spill food or drinks on your carpets, clean the spill up quickly. When removing spills from your carpet use a gentle dabbing or blotting action to prevent the stain from going deeper into the carpet. What you use to clean and remove a stain depends on the type and spread of the stain. And always, complete a spot test before attempting to remove the full stain.
Google offer many handy tips on how to remove different types of stains in your carpet. Most tips utilise products that you can easily find in your pantry. If you are unsure of what to do, it may be prudent to call an expert and seek their advice.
More difficult or suspicious looking spills should be treated by a professional commercial carpet cleaning company. Doing it wrong can result in the stain spreading into the carpet fibres or permanently damaging the carpet fibres or removing the colour pigment from them.
3. Are there any tears or rips in the carpet?
Tears and rips are health and safety hazards at any commercial office. If your carpet is uneven, it can cause accidents and falls in the workplace. A torn carpet will need to be repaired by a professional carpet repairer. Do not try to glue it back together or use tape to hold it in place or cover it.
If the underlay beneath the carpet has come loose, you may also need to call in the experts. The underlay holds the carpet firmly in its place. It is also the protective layer over the flooring underneath so do not ignore it if you notice any unusual signs.
How to keep your carpet in tip top condition
There are a few simple things you can do to keep the carpet in your home in tip top health.
Here are some things you can do:
1. Use a Vacuum Cleaner with a HEPA Filter
Carpet cleaning experts do not always agree on how often the carpet should be cleaned. However, many agree that your carpet should be vacuumed at least once a week. If you have pets or young children at home, then you are advised to have to vacuum your carpet more regularly.
The best vacuum cleaners to use are the ones that have a HEPA filter. They are more effective for removing dirt and debris than traditional vacuum cleaners.
Regular vacuuming helps remove surface dust & dirt as well as small objects from your carpets. The carpet will look cleaner and fresher.
2. Use a Doormat
You can reduce the amount of dirt and debris that gets tracked into your home and office by using a doormat. Doormats are inexpensive but highly effective. Dust and dirt trapped in carpets when trampled on acts like a sandpaper to wear down your carpet fibres. Over time, the carpets in your office will start to look old and worn.
3. Use Rugs
Putting a rug in high foot traffic areas (for example, the hallway) is a good way to preserve your carpets. Rugs come in all price range. Pick a colour from your furniture or walls and match your rug in this colour. Alternatively, you could buy an eye-catching piece and make your rug the centrepiece in the office.
Rugs must be professionally cleaned by a commercial carpet cleaner to maintain its good looks. Get them cleaned the same time you get your carpets cleaned.
4. Get Your Carpet Professionally Cleaned
Even if you meticulously vacuum your carpet, you will still need to have it cleaned by a professional at least once a year. You can rent equipment to steam or dry clean the carpet but the truth is a professional carpet cleaning company will deliver better results. Carpet cleaning companies use hot water extraction method to steam clean your carpets. They do not use harmful chemicals and have powerful driers and dehumidifiers to ensure your carpets are properly dried.
Professional carpet cleaning is affordable and many companies will provide a service guarantee on their job.
5. Avoid Office Falls Replace Your Old Carpet
Irritants can build up in your carpet over the years. That is why you will eventually need to have old office carpet replaced. You will also need to have your carpet replaced if it is worn out.
If you live in Sydney & need a professional carpet steam cleaner?
Our blogging team have had great experience dealing with Deluxe Carpet Cleaning, one of Sydney’s best commercial and residential carpet cleaning companies. For more information about their wide range of services or a free quote, visa their website here: https://www.deluxecarpetcleaningsydney.com.au
Experience does matter and they have been in business since 2004. They use high-quality products that are non-toxic, biodegradable, leaving no chemical residues, providing a healthier environment for all your employees & loved ones.
Cataracts abstract grey background. Human vision disorder, detailed anatomy of cataracts and healthy eye.
Cataracts form when the lens of the eye becomes cloudy and opaque. It develops with time and most commonly forms as part of the ageing process, but affects people in different ways
What are cataracts?
Cataracts develop as part of the normal aging process, and affect different people in different ways. Cataracts occur when the lens of the eye turns cloudy. As a result, the light entering the eye is scattered and causes increasingly blurred vision.
What causes cataracts?
In addition to the normal ageing process, cataracts can also develop due to contributing factors such as:
Other eye diseases
Systemic diseases including diabetes
Medications
Hereditary factors
Ultraviolet light
What are the symptoms of cataracts?
Cataracts present themselves through a variety of symptoms. If you’re curious whether or not you may be developing cataracts, ask yourself the following questions:
Do halos around oncoming headlights bother you while driving at night?
Is reading a strain because the text looks blurry?
Are you using brighter lights for indoor activities?
Do colors look increasingly dull or yellow?
Is it becoming harder to recognize familiar faces?
Are you experiencing double vision, even with one eye closed?
Are you frequently needing to change your glasses or contact lens prescription?
If you answered “yes” to any of these questions, you may be beginning to develop cataracts.
How is it treated?
Modern cataract surgery most effective and proven way to treat cataracts. It is a safe, quick, relatively painless outpatient procedure, and is one of the most common medical procedures among persons 65 and older. Click here to learn more about cataract surgery
The Sydney Blog Chicks team have had close experience with Sydney CBD Eye Clinic and knows people who have successful cataract surgical procedures with them. We invite readers to learn more about their services and surgeons here: https://cbdeyeclinic.com.au/
