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Purchasing your first home:

Buying your first house can be an overwhelming procedure. First-time borrowers may confront uncertainty on how to apply for a house loan, the way to get accepted, the grants that they may be qualified for and in which they need to look to purchase. In addition to this, the house purchasing process can be full of measures you never knew existed and jargon you have never heard earlier.

This guide will make sure you’re more assured when purchasing your first house, and prepared to undertake that property agent.

Boost your confidence and your home loan know-how together with the next eight tips:

  1. Think about a mortgage agent. A mortgage agent is there to help you discover the perfect home loan for your circumstances. Because this is the first mortgage, a mortgage agent can show you the principles and clarify all the attributes available. Residential real-estate is different to commercial real estate so it is important you find the right agent that has specific knowledge.
  2. Plan your financial resources. There isn’t anything more important when considering buying your first house than planning a viable budget and sticking with it, in addition to continuing with a revised edition as soon as you’ve successfully pocketed the keys. It’ll be through adhering to a budget which you will find a crystal clear image of the house loan you can afford.
  3. Know your own limitations. Whatever you do, don’t buy what you cannot afford. It’s easy to convince yourself that you will simply need to fight for a few decades and that everything will be okay after that large promotion comes together. Imagine if something were to occur in the meantime?
  4. Save the largest deposit which you’re able to put together. Saving a deposit can help you in 2 ways. To begin with, it is going to present your prospective lender which it is possible to exercise fiscal discipline over a time period. Second, the larger the deposit the bigger the equity you’ve got in your house right from the beginning. Among the greatest methods to conserve your deposit is to take out a high-interest savings accounts.
  5. Apply for your First Home Owner Grant early. The most suitable time to apply for the First Home Owner Grant is at precisely the exact same time you apply for your mortgage. You may pay your grant program through most creditors if they’re a licensed agent and equipped to get it.

  6. Rid yourself of excess debt. Don’t make the mistake of applying for your first home loan as you’re taking excessive debt. Dispose of with any credit cards that you do not really need, complete your car payments and repay some private loans. Make your house loan your top priority.
  7. Be a buyer that is cynical. Don’t necessarily believe everything you hear. Ensure that you carry out thorough pest and building control and discover out what costs similar homes are selling for at precisely the exact same area. Should you do your research correctly you ought to be fairly perfect. You may also need to take into account the help of a professional buyer’s agent and get qualified pre-sale advice.
  8. Ensure you get everything that you’re entitled to get. A variety of state and territory governments also provide their own incentives to first home buyers in the way of grants. The majority of states also give generous concessions away from the prices of stamp duty imposts. Ensure to understand what’s offered in the area you’re purchasing your very first home.

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The Importance of Business Cards

Everything we do in business today is electronic; sending emails, signing contracts, attending meetings, daily shopping, even connecting through social media. The company card is one major thing that digital will not completely replace anytime soon. Custom printing is the best way to produce a business cards specially made to align with your needs. Here are five reasons why the old school business card remains significant, and why you must have a pocket full of them constantly.

  1. Swapping contact information digitally is unbiased

Networking is all about making genuine connections. Sending contact info via text or email on the place is convenient but it is also extremely impersonal. Engaging in eye contact and real conversation is the way real relationships begin and also the way you get remembered. Two people with their heads buried in their telephones typing away will not produce any type of significant memory of their experience. It is easy to transfer the data from a business card to your mobile device after the dialog.

  1. They are the best direct marketing tools

Email marketing, search engine optimization, and paid press all do an excellent job of bringing prospects and leads, but they still are not as successful as an in-person meeting sealed with a handshake together with a business card exchange. You can encounter a possible lead or contact anytime; tradeshows, business conventions, happy hour, airport lounges, and equipping yourself with business cards at all times will make certain you never miss a chance to earn a valuable company connection. Keep some in your pockets, wallet, money clip or notebook bag so the next time you encounter a prospect you are prepared.

  1. A business card is the first impression of your brand

When you meet somebody that could possibly be an excellent prospect or connection, do not you want them to walk off with a terrific first impression? A memorable business card does a lot more than simply pass on an email address or telephone number. When I make a connection via my business card, I do not want my name linked to the word cheap. A retail store hoping to make a terrific first impression would not produce a storefront sign using a bit of cardboard and a Sharpie. I have that exact same mentality in regards to my business cards.

My objective is to create a memorable first impression. I use metal business cards from for additional effects. They make a fantastic first impression and they also work as a wonderful icebreaker. I haven’t once had a conversation ending after handing over my business card. A special business card will actually fuel the dialogue even further. Yes, they cost more, but think of how many unnecessary expenses you can cut to allocate funds for good business cards. Hold off on the ping pong table and espresso machine to your office and get some business cards which will make a terrific first impression.

  1. Creative business cards become shared and continually advertise for you.

A business card is a physical thing a possible prospect leaves the experience with, as your brand remains with them. If you hand over a creative business card which makes a excellent impression that person is very likely to reveal it to others, by putting you and your brand before additional prospects.

  1. Business cards show you are prepared

Have you ever had somebody write their contact information on a cocktail napkin and hand it on to you? How about somebody that had a cell phone with a dead battery? It is not the most professional approach; if you need a business card printed, Melbourne City Print is the place for you.


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Content Writing for Mortgage Brokers

If you are venturing into creating an internet presence, there is one phrase you have likely discovered by now: content writing.

As a mortgage broker, you might not see the importance of writing content. You might not think it’s crucial for the type of professional you are.

Nonetheless, this is a massive mistake! Content is used to increase customer participation, which leads to more customers and business for you, ask a trusted business advisor, they will say the same thing,

Curious how to get the most from your content advertising? Have queries? Keep reading to discover.

Content writing: the perfect recipe

You might believe that your site speaks for itself and you do not have to dive into the world of content writing. This idea could not be further from the truth!

Content writing may only serve to call attention to your business, meaning it drives visitors, which in turn provides you more business. Just having a site and contact information is not sufficient in this day and age: you will need to crack into providing valuable content.

It can be overwhelming at first; that much is inevitable. How do you produce great content for yourself to stay ahead of the game?

We’ve got seven important methods for you to use, and by the end, you are going to be a content writing master.


The number one rule when it comes to content writing is that your content must be original. If you are just regurgitating stuff that is already out there, who is going to read it? Why should they visit you? Looking at other broker websites is great for inspiration and to get ideas, however you must ensure that you don’t simply copy, your website needs to be new and fresh.

Sure, it could be tricky to determine what’s really original in today’s saturated advertising world. On the other hand, the Internet offers you a multitude of choices regarding how to get content out there. Find the ideal market for you to attack, and strike it hard!

What’s more, if your content isn’t original, search engines will penalise and rank your site lower than your competition. And don’t overlook the power of keywords. Keywords can do wonders for attracting more visitors to your sight, enlist the help of an AdWords agency to help with your digital marketing strategy so you can integrate this into your online content.


Give your audience content that is actionable. This means that you will need to give them guidance. Give them answers to their problems – and hopefully, those solutions point to you.

You need to give them a reason to want to work with you as their mortgage broker. Content writing opens up a whole world of possibilities, but you must give them a means to engage.

Speaking of participation, this may also refer to audience interaction. Do your prospective customers have a reason – or even the capacity – to interact with you?

It may not look like it, but your customers like to know that there’s a human on the other end of the computer screen. It gives them a feeling of security to know that somebody is writing to them on matters they would like to know about.

Audience engagement equals more perspectives for you, which equals more business.

Be a guru

If you are not an expert in your field, then what exactly are you doing in that area in the first place?

In regard to content writing, people want the information they’re studying to come from a trusted source. That means you’ve got to be the expert. You are the one holding their hands and giving them guidance.

The simplest way to become a guru is to get somewhere to specialise. This permits you to tap into under-utilised markets and talk to the men and women that are searching for that sort of content.

Some specialisations for mortgage professionals may include: First Time Home Buyers, Jumbo Mortgages, Refinances, Sub-prime, etc. Find one that works best for you and do it! Show off your knowledge, and watch as your customer base starts to soar.

Images and video

The thing about content is: it does not just refer to the text.

Walls of text without disturbance can be overwhelming to your viewers. Even when they are split with subheadings (essential – but you will learn about these later), paragraphs of advice are not the ideal way to get your information across.

Check into video and images to help give your customer base that extra boost it needs!

You may also optimise your video and pictures, so if showing up on search engines is the worry, do not let it stop you! Your articles can still be found just as easily, and your viewers will appreciate the exceptional approach.

Continual updates

Writing your content is not a one-and-done sort of deal. It is a process. A long one, particularly if you would like your career to keep progressing upwards.

Continual updates are essential to keep your content relevant and current. This also shows your audience that you are still engaged with your organisation, giving them the reassurance that you won’t just up and abandon them.

If you are making the dive into creating articles, you are going to be in it for the long haul. Be certain that you’re capable of coming up with new content consistently to keep your audience engaged.


The magic key to composing content is scheduling.

Let’s say you opt to use a blog to promote your business. You set objective of once per week for updates. Not too strenuous, right?

However, you also need to keep this on top of all your other work. Beyond that, you want to think of original content and actually write it – and don’t forget to incorporate AdWords into each blog post.

The simplest way to deal with this would be to write your ideas early. Keep to a schedule, whether you choose to write weekly or daily. Have an idea about what you would like to write weeks ahead of time, so you aren’t suddenly stumped weekly.

Keep this up, and you’ll be on your way to keeping a compelling presence.

Keep it short

Let us be honest: in the current climate of smartphones and instant gratification, your audience may not have the attention span to absorb your content. You want your mortgage broker website to be straight to the point and not littered with irrelevant information.

This means you’ve got to find a way to relay the same information, but in a condensed manner. A great way to achieve this is to divide any long articles (let us say more than 1000 words) into multiple components.

This gives your audience an incentive to keep coming back for more while keeping things simple for them to digest.

They will also probably remember crucial details of shorter articles, and are more inclined to act on them!


In the current Internet climate, consistent, interesting, original content is crucial for maintaining and growing your customer base, whatever type of business you are.

By putting yourself out there in the vast online world, you are staying at the forefront of potential clients’ minds, which will, in turn, lead to more business for you. It boosts your reputation and can have a positive effect on your overall business. We hope this strategic business advise has been helpful and you find a way to integrate some of these tips into your business


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Fleet Management Software Compared

With three workers in three trucks, it is pretty easy to figure out who is where, if they are on time, and how much every technician is costing you. With twenty techs and a dozen vehicles, trying to monitor everything can get hairy. Fortunately, fleet management programs can help you keep tabs on everybody.

Across the board, fleet management software is excellent for giving a real-time perspective of your trucks. You can see where everybody is, track mileage, schedule maintenance, and create reports based off of use.

Here’s a fleet management software comparison demonstrating the manners five of the large players are identifying themselves through unique capabilities. All of these options allow GPS integration, making certain that you get the most from your purchase. All of the choices on this list have mileage tracking, routing, and vehicle monitoring.

  1. ClearPath GPS

ClearPathGPS’s primary distinguishing feature is their month-to-month contract arrangement. As opposed to getting locked into a multi-year contract, ClearPath’s version provides the flexibility to disregard telematics, in case you decide you do not want it.

ClearPathGPS also provides tools that facilitate a fleet manager’s workload. They provide virtual timecard reports that turn your drivers’ workloads into readily viewed reports. Those timecards may also be exported into your accounting software, cutting down on data entry, improving the overall team management of your organisation.

This information ClearPath collects can become a part of a comprehensive, strategic summary of your business. ClearPath includes a library of over 60 kinds of visualisations and reports, so you may take the individual details of these digital timecards (how long was that one motorist stopped at his noon shipping destinations?) And make them part of a general overview (How long do all my drivers take at each delivery stop? Who takes the longest?)

  1. GPSTrackIt

While not entirely a cloud management system, GPS TrackIt has designed a tablet-focused site called Driver, that allows field workers and central office supervisors to collaborate. The Driver website includes a section for messaging, stop scheduling and route planning, and a method for filling out forms. Users can create customised forms for refuelling, job management, and upgrades.

GPS Trackit offers two apparatus for tracking vehicle diagnostics. Users may use either an OBD-II or an under-the-hood solution, assisting you to pre-empt breakdowns by interpreting that pesky check engine light. The system also supports geofencing, driver management, and fuel card usage tracking.

  1. Route4Me

Route4Me is just another cloud-based fleet management program. The plus side of cloud program? You don’t need to put money into, or keep, the servers that hold all of your information. Route4Me handles all of that, and you have the advantage of the information.

Route4Me calls itself the most dynamic fleet management applications available on the market. Whether that superlative is correct, they do update their maps up to tens of thousands of times per hour. When there’s a change to your path, Route4Me is very likely to catch it.

Route4Me also has open APIs, or application programming interfaces. Open APIs allow you to personalise the Route4Me program to your requirements (assuming you understand how to code, or you have got somebody who does understand on your IT team). In case you’ve got a desire, the off-the-shelf program cannot match, you can customise it, as you would a fleet vehicle.

For instance, Route4Me suggests using their open API to incorporate their final mile delivery attribute with the addresses on your sales software. Because of this, you can find the ideal addresses into Route4Me without worrying about data entry mistakes.

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The World’s 10 Best Interior Designers

Interior design involves the art and science of improving the design and style of interiors, which sometimes includes the outside, of a room or building, to achieve a healthier and more aesthetically pleasing environment for the end user. Here we represent the very best and most famous 10 interior designers in the world.


1. Kelly Wearstler


Kelly Wearstler who was born in November 21, 1967) is an American designer. Kelly Wearstler Interior Design (or KWID) was formed and founded by the namesake Kelly Wearstler in the mid-1990s, her ensuing work within the hotel sector built her reputation in California, with The New Yorker dubbing her the presiding grande dame of West Coast interior design, and she most definitely has lived up to her name.


2. Jean-Louis Deniot


Jean-Louis Deniot is Frenchman who is a decorator and interior designer by trade, and is known for his extraordinarily beautiful residential design concepts, born 27 August 1974 in Paris. His work reveals a subtle and timeless fashion, preferring natural substances and soft colours to ostentation and cluttered rooms.


3. Peter Marino


Peter Marino who was born in 1949 is an American architect and fellow of the American Institute of Architects. Peter Marino  is the founder of his namesake company, Peter Marino Architect PLLC, which is a design and architecture firm which he founded in 1978.


4. David Collins Studio


David Collins (1955–2013) was an Irish architect who specialised in designing the interiors of restaurants and pubs in London. David Collins was born in Dublin, Ireland on March 1, 1955. He studied architecture in the Bolton Street School of Architecture at Dublin.


5. Marcel Wanders


Marcel Wanders born on the 2nd of July 1963 is a Dutch designer, and art director from the Powerhouse studio in Amsterdam, who designs architectural, industrial and bespoke building design. He became internationally known by his iconic Knotted Chair.

6. Kelly Hoppen


Kelly Elaine Hoppen MBE born on the 28th of July 1959 is a South African interior designer, writer and owner of Kelly Hoppen Interiors. By 2013 to 2015, she had been a “Dragon” on BBC Two’s Dragons’ Den.


7. Philippe Starck


French designer Philippe Starck started his interior design business in the 1980s, he is known so well because of his interior, product, architectural and industrial design including furniture and items that have simple but ingenious structures.


8. Rockwell Group


David Rockwell who was born in 1956 is an American architect and designer. President of Rockwell Group is David’s business that he is both the founder and president of. The business is a 250-person award winning, cross-disciplinary design and architecture practice based in New York City with satellite offices in Madrid and Shanghai.


9. Victoria Hagan Interiors


Victoria Haga, she’s the queen of design and inside and she’s loved for her intelligence. The designs give a philosophical characteristic that may be used of substances, sophisticated colour and strong silhouettes.


10. Marmol Radziner


Marmol Radziner is a design-build clinic based in Los Angeles which was founded in 1989 by American architects Leo Marmol, FAIA, and Ron Radziner, FAIA. Specializing in residential, commercial, hospitality, cultural, and community projects, the firm provides a complete array of design services, including architectural design, building, landscape design, interior design, furniture design, jewelry design, and contemporary restoration.

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Working With Seniors: Business ideas

Seniors are a popular market target for new and growing businesses, so how come companies in which provide goods or services to seniors, are such potential money makers? Due to the demographics, baby boomers started turning 65 in 2011. In Canada, seniors are expected to include a quarter of the populace by 2041. In The U.S., the amount of seniors will more than double between now and the year 2050, to 80 million — and the majority of the growth will occur between 2010 and 2030, when the baby boom generation enters their senior years. The U.S. Census Bureau forecasts that the amount of seniors will increase by an average of 2.8 percent per year during this time.

So this is a marketplace that is only going to get larger, providing ever more business opportunities for those able and willing to satisfy their requirements. So let us examine the requirements of the mature target market and see what services and products they might be most interested in.

Seniors needs
Most people age 65 or over live at home, either with a partner or alone. According to study by the American Association of Retired Persons (AARP) almost 90 percent of seniors wish to continue to live independently by remaining in their own homes and communities.

Unfortunately, many seniors have a disability or activity restriction that requires them to seek help with a variety of activities. Chronic health conditions are widespread among seniors, with four out of five seniors living at home with a chronic health condition of some sort. The most common of these conditions are arthritis or rheumatism, hypertension, (non-arthritic) back pain, cardiovascular disease and cataracts. Disabilities, medical conditions and only plain disinterest creates all sorts of business opportunities for caring for things inside and outside the house.

House and pet sitting
House or pet sitting are popular requirements for seniors and others who travel regularly, and given that new cat and dog ownership continues to expand at almost 4% annually, house/pet sitting companies are popular companies to begin. House owners who traveling must have someone house sit (or at least see the home on a daily basis) to maintain insurance policy. Many seniors with mobility problems have dogs and because of age or illness can’t exercise them correctly, so dog walking services are also in demand. Be aware that frequently busy working people also have a need for dog walkers because of time constraints.

In home care
One-quarter of older seniors require assistance with housework and everyday activites, while one in ten need help with personal care tasks, such as fall prevention, washing, dressing or eating, that is the reason why the home health care market is exploding. Seniors like having a clean looked after home, but it is not just that – they also love their cars to be clean. Seniors will pay top dollar for their leather car seats to be maintained and looked after. After all, it is their pride and joy. To keep their cars in prestige condition is all they are after!

You might want to start a company from scratch providing in-home care services to the aged care. However, you may also buy into a franchise that offers such services; there are several available today as the in-home medical care sector is a very important job.

Gardening and lawn care services
Gardening is something that lots of individuals like but may be physically demanding for seniors. Arthritis can make gardening chores like weeding, putting in a vegetable garden, or mowing the yard very difficult, making the need to have somebody else do all these things and much more. Even younger, busy people do not necessarily have the time to perform basic lawn maintenance. Many locals are banning pesticide use and forcing homeowners to decrease water use, so offering services like green weed management and drought-tolerant landscape design can be appealing to clients. Lawn maintenance services can be turned into an all-season business idea with the addition of snow removal in the winter where applicable.

Housecleaning services
Housecleaning providers are also popular with seniors and younger people with mobility issues. Like pet and house sitting companies, if you intend to start a housecleaning business it will have to be bonded and insured. Maid businesses are simple to expand as the customer demand develops.

Window and gutter cleaning
Falling is the leading cause of unintentional injury for seniors, so any action which may involve climbing on ladders isn’t a fantastic idea for the older. Most individuals don’t need to do these chores, so why would seniors?

Odd job and handyman services
From cleaning outside a garage through putting up blinds or moving furniture, there are all types of chores around the house that elderly folk might not desire or be able to do for themselves.

It doesn’t stop here
The ideas presented above are truly just a few suggestions for businesses that you could start predicated on providing services or products to all those age 65 and over.

Seniors are a great target market because as a group, so many have the exact needs, and many of them have the money to fulfill them. Pick the ideal business idea, and some of the money could be flowing into your pockets.

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Keeping Your Business Employees Happy

When budgets are tight, it can be hard to justify gains as rewards for high-performing business employees. However, if somebody enjoys their work, takes pride in doing it well, and feels appreciated, there are quite a few other ways besides a larger paycheck to show your appreciation for a job well done.

Studies have shown that workers with high job satisfaction are generally more productive, engaged and loyal to their businesses. Hiring supervisors, HR specialists and business leaders weighed in on the most effective methods to keep workers satisfied when salary is not the driving factor.

Be transparent
Feedback and the capacity to understand employee concerns is important, but it is what you do after that is essential to retention. You should remain transparent by sharing what you have learned and a plan of action for addressing the matter. By way of instance, after a new company wide participation survey, we opted to discuss our results with all employees. We not only communicated with our high regions of achievement but also our areas for improvement and how we intended to tackle them moving forward.

Offer more vacation time
Reward your greatest performers with incremental holiday days. These workers are your superstars so that you can be confident that they will get their work done in addition to enjoy a few additional days of well deserved off time with friends and family.

Encourage communication in common areas
Businesses should take steps to create spaces where workers can easily communicate and share ideas. Casual conversations in the rest room can get collaborative conversations. Make it inviting and effective, with nice furniture, tables, and beverages and snacks, if at all possible.

Create a career pathway
It is crucial for companies to have regular career planning discussions with their workers. As part of development and training, make sure employees understand the various kinds of career paths or job opportunities throughout the company.

Build employees up
If you are looking to keep a worker by providing him/her a raise, it is already too late. Find people who share the operational values of your company from the beginning, test for match early, and permit growth opportunities to express that value.

Promote a positive work environment
Happy employees make for a joyful company. Within the office, we will publicly acknowledge accomplishments, provide a group lunch at a fresh food store, book a prime parking space, or change a name. We will also help employees to grow and grow, whether or not on new desirable responsibilities or challenges, taking classes to learn new skills, or furthering knowledge of the business by traveling on company business trips.

Always say ‘thank you’
Having a positive culture and workplace environment helps a lot, as it promotes communication and teamwork, which increases participation and opportunities for teammates to learn from one another. Doing periodic “shout outs” to people at all levels of the business for good work or superior work. These kudos price nothing but provide significant public recognition for work well done, effectively compensating individuals in the shape of social currency that’s highly valued.

Offer benefits beyond the fundamentals
There are many ways to supplement wages by helping employees in other regions of their lives. You can offer an excess amount of life insurance or disability insurance for workers to secure their incomes. Other ancillary benefits, such as dental, optical [and] health, are all well received by workers. And gym memberships and transit benefits are terrific perks to keep workers happy and healthy. Perhaps take your business employees out for an all day breakfast. Sometimes it can be necessary to provide higher benefits so that your workers know that you truly care about them and their families.

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Ways in which a copywriter will help your business

It was recently seen via several examples of businesses, such as large ones, rolling up their sleeves and giving writing their own web page content or advertising a go, without having a professional copywriter do it for them. It is understandable what they are thinking. Everybody uses words. How hard can it be? The results spoke for themselves and that was not a great thing. 

It is true that all of us must write however, it doesn’t matter how good you are at something, nothing beats doing sales copywriting for a living. A significant part of why you would bother hiring a professional copywriter is because they do specifically that each and every day.  They are there content writing for business. It is their profession. However, what precisely does one professional copywriter bring into a company’s content and advertisements, beyond just understanding how to compose? 

Here are five things that every great copywriter can allow you to understand.

A copywriter will figure out precisely what you are promoting

It seems obvious but it is among the most frequent issues with advertising, particularly in the services industry where we perform a great deal of work. People connect with their feelings, not with a list of advantages and disadvantages. A fantastic digital copywriter does not simply write text, they develop a thousand and one ideas about how best to perform it, the angle, the market, and exactly what it is you really are promoting. What difference is it to people’s lifestyles? Is it an advantage? A copywriter will help you find your audience.

A copywriter will help you find your audience

A great copywriter will connect you with your audience. That is not a small accomplishment. Among the first things any good copywriter asks themselves is, who am I conveying my message to? What are their fears and wants? What type of language do they use? And just how does that influence what I am saying? Advertising legend David Ogilvy said: If you’re trying to persuade people to do something, or buy something, it seems to me you should use their language, the language they use every day, the language in which they think. It is a real art.

A copywriter will help enhance your story

All good products and businesses start with a great story. But starting with a great story does not mean writing a book: far from it. Writing compelling articles of any length – a news post, an advertorial, or a 3 line advertisement require similar technique and energy. In reality, it is frequently the shortest ones which take the most amount of effort. It once took a few weeks of solid work to discover the appropriate storyline for one financial services product that had been requested to sell. Ultimately, the advertisement was only 10 words long, however choosing the 10 most ideal worlds was the key to the products advertising success.

A copywriter sticks to simple messages

A good deal of people who have an intricate service or product to market fail when they attempt to involve their audience with the complexity of the business. The best copywriters always figure out how to keep the message simple, even if what they are selling is far from it.

A copywriter will produce the unexpected

Sounding precisely the same as a competitor will not distinguish your product or service.  If you go with what is already being done, you are basing your business plan on a coin toss (or a price war). A great copywriter will find what is unique about what you are selling and position you differently to your opponents. They will also find an interesting way of getting your business and message across.  

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GPS Fleet Tracking, a Good Idea for Managers

GPS fleet management systems are designed with one primary goal: to save business managers time and money. There many benefits to employing a fleet GPS tracking system. Following is a listing of the top 10 reasons.

1. Increased Profits and Performance


Access to vehicle efficiency and driver productivity advice helps a company manage the costs related to fleet operations. There can be a significant drop in employee overtime costs and driver downtime; decreased maintenance costs directly affect the bottom line. Plus enhanced route fleet and efficiency metrics allow for expanding the customer base. GPS fleet tracking for trucks saves roughly $5,484 per employee annually.

2. Improved Fleet Operations


GPS monitoring systems enable real-time decision making and enhanced accountability of resources and drivers. Fleet managers will no longer rely on driver log sheets, service forms and truck maintenance records to keep track of fleet vehicle operations. Immediate access to vehicle efficiency and driver productivity advice can help a company better manage the costs related to fleet operations. GPS vehicle tracking permits businesses to add more jobs to each work day. Companies typically locate a 25 percent increase in work orders completed after implementing a GPS monitoring device.

3. Reduced Fuel Costs and CO2 Emissions


Poor driving behavior like speeding and unnecessary idling wastes fuel and might be recognized with a GPS fleet tracking system. Fleet vehicles can use up to 800 gallons of fuel annually due to unnecessary idling alone, which costs approximately $2400 per vehicle every year. Every unnecessary mile you remove will decrease your carbon footprint and will make your entire fleet more effective and environmentally responsible.

4. Efficient Routing & Dispatching Service


GPS technology enables dispatchers to use real-time GPS tracking for time-sensitive dispatching. Dispatchers can easily pick and navigate the nearest vehicle to a specific place which will help to boost customer service also. GPS technology can help dispatchers to determine support and delivery route overlaps, and to prevent difficult traffic areas that cause the driver to be delayed or get lost.

5. Reduced Maintenance Costs and Vehicle Wear & Tear


Without a fleet management system, vehicles are usually serviced at regular intervals, whether or not the vehicle is really in need of maintenance. A fleet tracking system will monitor each vehicle and send alerts to notify you if a vehicle requires repairs or maintenance. This can help to reduce excessive motor and tire corrosion that will extend the lifespan of your trucks and equipment.

6. Automation of Record Keeping


Fleet GPS management techniques require record keeping to a whole new level. All information relative to the fleet operations is recorded and can be easily organized exactly how you need it. Fleet managers can schedule and confirm equipment and vehicle service periods; track service places, equipment drop-off places, and avenues used; and keep electronic records of employee hours and vehicle mileage. This information is invaluable in annual planning and in case of an audit.

7. Reduced Insurance Costs & Obligation


Most insurance companies offer a discount to businesses using GPS tracking devices in their fleet vehicles. Verifiable vehicle data will help to safeguard your organization against frivolous lawsuits. Fleet management systems can also decrease your liability from injury claims and worker’s compensation costs.

8. Avoid Unauthorized Vehicle Use


Unauthorised access can be observed through time data gathered from a fleet management system. Ending unauthorized vehicle use will also reduce unauthorized gas consumption.

9. Increased Employee Safety


Automation of record keeping can help to increase driver safety and efficiency. Fleet managers can access important data about driver behavior like speeding, unnecessary idling along with numerous times the vehicle was put in inverse which may be dangerous. Fleet managers can reap their safest drivers and train their worst drivers to use better driving habits. In the event of an event, GPS location data may also be used to find emergency help.

10. Better Customer Service


Real-time vehicle tracking data could be used to validate driver deliveries and the amount of time spent at each location. Dispatching will be able to re-route drivers at a minute’s notice that will permit you to respond quickly to customer queries.

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Trouble Building from the Apartment Industry

Round the city skylines, the plethora of the largest cranes on hire building high-rise apartments has surfaced. The amount of flat sales is decreasing, as are costs, since the boom changes management and regulators continue to warn of pockets of oversupply. It’s not often one of Australia’s richest people – with a fortune stemming from over 50 years of building flats – calls a turning point. However, Meriton founder Harry Triguboff has made indications about the change.

Triguboff informs The Australian that it will soon be a good time to buy, stating new apartment prices have dropped 10 percent over the previous six months. And then there’s the wave of investors and owner-occupiers that have already dived to the heating property boom. He continues that Australians could eliminate an enormous quantity of wealth and warns that a rapid fall in apartment building will hurt an economy that’s still experiencing the resources downturn.

A rash of economic, regulatory and societal factors are combining to deflate heated land markets and especially high tech apartments in Melbourne, Brisbane and Sydney, where a wave of distribution is hitting the market. Last week Reserve Bank of Australia governor Philip Lowe indicated that Brisbane’s building boom was coming under close review. He stated that they were watching the Brisbane property market carefully in response, especially the effect on costs of the massive gain in the supply of new apartments that do not meet the demand for more ground-level homes built with engineered timber frames and products. The remarks come as the Brisbane apartment market has been softening under the burden of a tide of new towers.

Sales of off-the-plan flats in inner Brisbane have dropped, from a peak of over 1600 in the December quarter of 2014 to approximately 300 in the June quarter of the year. CoreLogic head of research Tim Lawless says the inner-city Brisbane apartment market appears quite problematic given its source, and places Perth and Melbourne in precisely the exact same category. Lawless says that they’ve observed a peak in the construction pipeline for all those cities which suggests that they probably nearing the worst of the market conditions in these areas, but still expect there to be some settlement risk.

There is a continuous stream of upsetting information coming in to the Australian flat market, which economists have long been warning is primed for a recession. Price falls in the aftermath of Brisbane’s flat construction-boom involving expensive drake low loader hire and frannas on long-term leases have claimed several victims this year, as flats purchased off the plan market for reductions of as much as 36 percent, based on a report in The Australian today. Queensland’s apartment market has been a rising concern, with heaps of building companies having collapsed already this year.

Now, it emerged ANZ had issued a comprehensive list of suburbs in and around Brisbane and Perth that will be subject to stricter lending requirements for borrowers. Under the bank’s tougher loan provisions for the distressed housing market, ANZ will apply a minimum deposit of at least 20%, according to a report from the AFR (tougher loan terms show that the bank is worried about risk exposure on the current settings). The current price falls are reflective of concerns which have been on the radar of policy makers for a while. Last October, the RBA flagged potential problems with the Brisbane and Melbourne apartment economies given the continuing wave of new supply in these locations.

The Australian reported that the majority of the flats in three towers built around five decades ago – located in Hamilton, Bowen Hills and Fortitude Valley – had sold at a loss this year. The purchase price drops include 5,300 flats finished in Brisbane this year and a further 11,000 under construction. While new flats with well-designed laminated architectural timbers continue to go up, numerous cracks have been emerging in Queensland’s building market. A report last month revealed that over 30 construction firms in Queensland have dropped this year, with over 400 additional builders in danger of failure.

Among the heaviest losses for flats sold this season, the biggest fall was to get a two-bedroom flat in Hamilton that was sold for $370,000 – $152,000 less than initial cost of $522,000. Meanwhile, ANZ has issued a list of postcodes in Brisbane and Perth in which it will impose stricter lending standards given the dangers around over-supply and decreasing prices. Together with the listing, the bank also issued a 10-page guide to mortgage brokers clarifying the minimum requirements and guiding principals that agents should abide by when organizing loan applications.

The move appears to be in reaction to a report two weeks ago by investment Bank UBS, which estimated that approximately $500 billion worth of Australian mortgage software contained factual inaccuracies. That analysis showed the number of incorrect software at ANZ was higher in a mathematically significant level compared to the 2017 sector average. Weekly preliminary Data from CoreLogic this morning revealed that auction clearance rates remained stable in Sydney and Melbourne last week, but remain lower than at this moment last year. The figures revealed that Brisbane and Perth had the cheapest preliminary clearance prices, at 51.5 percent and 36% respectively.

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