#question for anyone interested in the australians but not located in australia - can you access 7cricket videos?

[killeroos]

did you see patty do the ipl finals captains photoshoot with shreyas iyer? i started shipping them after that 😭 they posed together at a beach, they took a ride in a rickshaw and were bantering throughout. also there were many memes on instagram about how the photoshoot looked like a couple's pre-wedding photoshoot 😂😂😂

here are some links to that final preview

https://www.instagram.com/reel/C7ayEIsyXjO/?igsh=MTV5a3ppOHFkY204OQ==

https://www.instagram.com/reel/C7ZMPhMSmm6/?igsh=N3FqNXRmajNheXY3

https://www.instagram.com/reel/C7bV8mSNl29/?igsh=MTdsY3UxbDk0eDZodw==

also, 2 years ago, kkr posted a video of their players celebrating the bengali new year! shreyas and pat did that video. they made pat wear a kurta, and shreyas fed him some bengali sweetmeats! here's the video!

https://youtu.be/2PvAYgelgvE?feature=shared

wow... i had not seen that photoshoot before that's crazy!! like i love a captains photoshoot but that was something else.. why do they have so much chemistry??

and then the new year video hello!?? there was no need to hand feed him was there? 👀

[codeavailfan]

Programming Assignment Help in Australia

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Let's face it: it's a complex task. Students still don't have experience in coding. Even the best people will face problems, depending on the language they work with. Maybe they don't need the help of C programming assignments, but they'll get stuck with Java or Pascal.

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Types of Computer Programming Assignment Assistance We Provide

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C is another general purpose language used in application software and operating systems. Many more sophisticated languages originate from this: JavaScript, Java, C++, C#, Python, SystemVerilog, and others. This is your foundation. We can help you master it.

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This class-based system is most used in language programming. It is object-oriented and concurrent. It meets common objectives, so it applies to different goals. It should master a student before making his first career in programming.

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python

Python is a high-level language of general purpose. It's hard to learn, but it's so versatile that you'll definitely need it for your projects.

That is not everything. We also support machine code, micro-code, high-level and low-level programming language, assembly language, and anything else related to coding. If you don't see your type of assignment in our offer, give us a message and we'll respond immediately. We can definitely find a programmer from our team to help you.

What is the best service for computer programming assignment assistance?

You can get the help of programming assignments on many different websites. Now you can think: What assignment makes helper the best option?

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This is a dedicated programming help in Australia service.

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Although our programmers are perfectly capable of completing work based on their creativity, they want the results to suit your needs. That's why they'll read everything you've written in the order form and they'll stick to those guidelines.

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How much does it cost?

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How can you get online programming programming help?

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Leave it to us.

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Are you breaking the law by helping you with homework?

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[cumstricbusrie-blog]

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[readersforum]

The Ultimate Guide to Google Analytics in 2019

New Post has been published on https://www.readersforum.tk/the-ultimate-guide-to-google-analytics-in-2019-2/

The Ultimate Guide to Google Analytics in 2019

Are you confused — even intimidated — by Google Analytics? Good news: you’re not alone. GA is notoriously complicated.

In fact, when I first started to delve into GA’s waters, I wondered if I’d ever truly get it. There were so many concepts to learn and reports to run. How did people ever conquer this thing?!?!

Lots and lots of reading and trial and error, it turns out. I’m not saying I’ve reached total mastery — there’s always something new to pick up — but I’m vastly more comfortable.

And I want you to be, too. So here’s the cheat sheet to everything I’ve learned over the years. This guide might be long, but it’ll take you from zero to hero in 6,000 words. And if you still have questions, let me know! I’m @ajavuu on Twitter.

Time for a lightning round of questions.

What is Google Analytics?

GA is an analytics tool that gives you an extremely in-depth look at your website and/or app performance. It integrates with all of Google’s marketing products (including Google Ads, Search Console, and Data Studio) making it a popular choice for anyone using multiple Google tools.

  Is Google Analytics free?

There is a free and paid version of GA (the latter is called Analytics 360). Small and medium-sized businesses will likely get all the features you need from the free version. Enterprise businesses need to upgrade — at least if you want advanced funnel reporting and attribution modeling; roll-up reporting; more views, dimensions, and metrics per property; and unlimited and unsampled data.

Paying for 360 also gives you access to dedicated support, including your own account manager. This alone can make the subscription fee worth it.

And about that subscription fee? It’s not cheap. Analytics 360 begins at $150,000 per year (invoiced monthly) and increases after your site receives more than one billion monthly hits.

360’s cost will price out many businesses. However, if you have the budget for both the service and an agency or in-house analyst to manage your analytics operations, consider investing.

With that out of the way, let’s get to the good stuff.

How to Use Google Analytics

Create an account, if you haven’t already.

Add the name, URL, and industry of the website you want to track.

Get your custom Javascript tracking code that’ll allow GA to monitor your site.

Add this code directly after the tag of your site. (More on this below.)

Visit your GA portal and verify the code is working by looking at the “Real-Time reports” section while clicking around on your site in a different tab or on your phone. The report should show at least one visitor to the site (that’s you!)

Do you need to add the GA code to every page of your site?

That’s a lot of manual work — especially if your website has more than 50 pages. Plus, what happens when you create new pages? Do you need to add the tag every time?!?

Relax, because the short answer is: no. The longer answer: you only need to add the tag to every page template. So, if you have one page type on your site (meaning every individual page uses the same header module), you only need to add it to that module — and it’ll be applied to every page.

If you have two page types, you’d need to paste the code into the two separate header modules. Three page types? Three header modules.

And if you use a CMS like HubSpot or WordPress, this task is even easier. These tools come with a separate field where you paste your tracking code just once. HubSpot users can follow these simple instructions for adding GA.

For more, read our guide to installing the Google Analytics tracking code on your site.

Google Analytics Hierarchy

To set up GA properly, you must understand the various layers.

Organization

The organization is the highest level. It represents a company. For example, our organization is HubSpot, Inc. One organization can encompass multiple GA accounts.

Organizations are recommended for larger businesses, but not mandatory.

Account(s)

Accounts are not optional. Using Google Analytics requires at least one (sometimes several) accounts.

An account doesn’t mean a user account. I can log into the HubSpot Google Analytics accounts using my Google email ID. HubSpot’s head of technical SEO can also log into the same account using his Google email ID. Our historical optimization specialist can also log into the same account using his Google email ID.

Important details:

You can assign one property to each account or multiple properties to one account. Every account can hold up to 50 properties.

You can give user permissions for an entire Analytics account, a property in an account, or a view in a property.

You might be wondering, “What’s better: creating a new account for every property or adding every account to the same property?”

It depends on your use case and goals.

For example, suppose you have one website — the Stark Industries corporate site — and five subdirectories, including the Stark Industries blog, careers section, media resources, case studies, and investor relations information. You want to create separate properties for each subdirectory so the people on each team can look at how their portion of the site is performing, as well as the larger site.

But maybe you have another site that discusses Tony Stark’s work with S.H.I.E.L.D. You want the S.H.I.E.L.D. team to see data for this subdirectory, but you don’t want them to see data for the rest of the website. You create a new account and property for the S.H.I.E.L.D. site.

Property

A property is a website or app. Each property can support up to 25 views.

View

At the minimum, you need two views per property:

One with zero configuration — essentially the “raw” version of the view

One with filters set up to exclude any traffic from within your company (i.e. a filter for your IP address) as well as bots and spam traffic

A view only captures the information after your filters and configured settings have been applied. And once you delete a view, that data is gone forever. For those reasons, it’s critical to keep an unfiltered view of your data.

Google Analytics Dimensions and Metrics

To use GA successfully, you need to understand dimensions versus metrics. I’ve found the easiest way to think about it is:

Dimensions = categorical variables. Simple examples include names, colors, and places.

Metrics = quantitative variables. Basic examples include age, temperature, and population.

Or as my Data Analytics professor put it, “Metrics are what you can do math on.” Not the most eloquent phrasing, but it works.

Dimension examples

Browser

Location

Landing page

Device

Customer type

Metric examples

Sessions

Pageviews

Conversions

Bounce rate

Session duration

In any GA report, your dimensions are your rows and your metrics are your columns.

Custom dimensions and metrics

GA lets you create custom dimensions and metrics from Analytics data plus non-Analytics data. To give you an idea, suppose you track the membership type of customers who have created an account in your CRM. You could combine this information with pageviews to see pageviews by member type.

Or maybe you run a blog. If you want to understand how audience engagement impacts other metrics (like conversions, pages per session, etc.), you could create three custom dimensions for each type of reader:

Advocate: user who shared one-plus posts on social media

Subscriber: user who signed up for your email list

Customer: user who purchased premium access

Using these dimensions will give you invaluable information. Follow GA’s instructions to set up custom dimensions and metrics.

What’s a Google Analytics audience?

An audience is a group of users that have something in common. That commonality could be anything: maybe you’re targeting consumers in Australia, so you have an “Australian audience,” or you want to sell to millennials, so you have a “25-34 audience.”

GA comes with several built-in audiences (including the two I just mentioned, location and age). You don’t need to do a thing to set these up — once you have the tracking code installed, GA will automatically break down your visitor data into these audience reports.

However, you can also create custom audiences. Perhaps you’re only interested in Australian millennials; you’d need to make a custom audience that only includes visitors who are A) in Australia and B) between the ages of 25 and 34.

Creating an audience is fairly easy. Honestly, the hardest part is figuring out what you’re trying to accomplish and then identifying the user characteristics that’ll help you do that.

Once you’ve done that, follow these instructions to create a new audience segment. From there you can import a segment to use as the basis for your Audience Report.

That brings us to the next question:

What’s a Google Analytics segment?

A segment is a subset of your data. I like to picture an entire pizza made up of all different slices — one slice has pesto and mozzarella, another has sausages and spicy peppers, another has ham and pineapple, and so on. Metaphorically speaking, each slice is a segment.

You can create segments based on:

Users (e.g. users who have bought something on your site before, users who have signed up for a consultation, etc.)

Sessions (e.g. all sessions that were generated from a specific marketing campaign, all sessions where a pricing page was viewed)

Hits (e.g. all hits where the purchase exceeded $85, all hits where a specific product was added to the cart)

Like audiences, GA provides you with several segments. I wouldn’t stop there: you can get incredibly granular with your segments.

To give you some inspiration, here are a few of HubSpot’s segments:

Users who viewed a specific product page and watched the demo video

Users who viewed the same product page and didn’t watch the demo video

Users who view a specific Academy course page

Users who view a specific Academy lesson page

Users who view a blog post and a product page

The sky is your limit — well, that, and GA’s segment cap.

You can apply up to four segments at a time to any report.

Google Analytics Reports

GA’s left-hand sidebar can be a bit overwhelming. You’ve got six reporting options (all with confusing, vague names), and clicking on any of those only gives you more options.

Let’s walk through each report together.

The Google Analytics Real-Time Report

As the name suggests, the Real-Time report gives you insight into what���s happening on your site at this very moment. You can see how many visitors are on your site, which pages they’re visiting, which social platforms they’re coming from, where they’re located, and more.

While this report is fun to look at occasionally, it’s probably the least valuable. Here are some ways to use Real-Time:

See how much traffic you’re getting from a new social or blog post

Know immediately if a one-day sale or event is driving views and/or conversions

Make sure tracking URLs and custom events that you’ve just set up are working as they should

These are useful, but as you’ll see, the other reports pack a far greater punch.

The Google Analytics Audience Report

Audience overview

This report gives you a high-level overview for the property you’re currently looking at.

Check this report once a day to get a sense of how you’re trending overall.

Underneath “Overview,” you’ll see “Audiences,” as well as expandable menus for “Demographics,” “Interests,” “Geo,” “Behavior,” “Technology,” “Mobile,” “Cross-Device,” “Custom,” and “Benchmarking.” Explore each of these sections to get a sense of what they can tell you about your visitors.

Every section describes an audience.

Active Users

Whoever named this report belongs in the same group as the person who named guinea pigs: “active users” doesn’t refer to users currently on your site — that’s the Real-Time report — and guinea pigs are neither pigs nor from Guinea.

The Active Users report shows you the number of users who visited in the last day (1-day active users), week (7-day active users), two weeks (14-day active users), and four weeks (28-day active users.)

What’s the value of this report, you ask?

If you have more 1-day users than longer-term ones, you’re struggling with retention. People aren’t coming back to your site or app — you need to figure out why.

I’d also recommend looking at this report with various segments; for instance, perhaps you see that users in a certain age bracket have much better retention than the average.

Lifetime Value

First things first: do you need a refresher on Customer Lifetime Value (CLV) and how to calculate it? We’ve got you.

The Lifetime Value report gives you a sense of how valuable users are to your company. You can see lifetime value for, say, the users you generated from email marketing versus the ones you acquired from organic search. Armed with this information, you can decide which channel to invest more in.

A few notes: Lifetime Value is capped at 90 days. The Acquisition date range, however — which you can adjust — is available from March 2017 onward. This range reflects all the users you acquired in that time frame.

Imagine you’re interested in looking at transactions per user for users you acquired in the week before Black Friday. You’d adjust the date range to that week specifically. Then you’d see the average transactions per user for that cohort over the following 90 days.

Because HubSpot is a SaaS company, not an ecommerce business, I look at goal completions per user, pageviews per user, and sessions per user by Acquisition Channel.

If my team has recently wrapped up a marketing campaign, I’ll look at the same metrics by Acquisition Campaign.

But if you are in ecommerce and want to see transaction and revenue data, you’ll need to have ecommerce tracking set up. I recommend this excellent blog post on tracking CLV with custom dimensions and metrics as well.

You should also give this explanation of why you shouldn’t track CLV in GA a read.

(By the way, here’s how to track revenue in HubSpot.)

Cohort Analysis

Some people have gone so far as to call Cohort Analysis “the single most powerful report in GA.”

So, how does it work? This report groups users by one characteristic — so far, “Acquisition Date” is the only “Cohort Type” you can use. By the way, Acquisition Date is the day a user first visited your website.

You have several options from there.

First, pick your cohort size: day, week, or month.

Next, pick your metric, or what you want to explore for this cohort. It can be further broken down into Per user, Retention, and Total.

Per user means the total count of that metric divided by the cohort size. So if you choose Transactions per user, for example, you’ll see the average number of transactions per user for that cohort.

Retention is simple: user retention, or the number of users who returned that day, week or month (determined by the cohort size you selected) divided by the total number of users in that cohort.

Total: the total number of sessions, transactions, etc. that occurred for that cohort size.

Choose your date range. GA lets you see up to three months of data.

Now let’s dive into reading the report, because it’s not obvious.

The left-hand column shows you the Cohort Type you picked — Acquisition date, by default — broken down by Cohort Size (day, week, or month).

The first row shows you the totals for all the users in that cohort. Each row underneath that represents the activity in that day, week, or month (in this example, we’re looking at month.)

The row outlined in light blue reflects the Cohort Size you’ve chosen. Remember that data only goes back three months at the max.

The row outlined in yellow shows you the values for the metric you chose (in this case, Goal Completions per User). In the eternal words of Calvin Harris: baby, this what you came for.

Look at the first row. This tells you the average goal completions for the entire cohort in the first month after they were acquired was 1.09. Average goal completions for the entire cohort in the second month after they acquired dropped to 0.09. By the last month, it’s 0.02.

Now look at the next three rows. It looks like average goal completions per user in the first month after they were acquired increased slightly from December to January and again from January to February.

This is pretty usual behavior. Let’s imagine that instead, this report tells us average goal completions per user for February 1-28, 2019 (the last row) was 4.07. Woah! That’s nearly four times as high as December and January.

We’d definitely want to investigate further. And to do so, all we have to do is right-click on the cohort we’re interested in.

Make sure you click on the column if you want the entire day, week, or month analyzed. Click on a cell if you want to analyze only the users who, for example, completed a goal three days after they were acquired on February 27, 2019.

When you right-click, this box will pop up:

Give this cohort a descriptive name. Change the views to “Any View” if you want to use this segment across your entire property (which I usually recommend), then click “Create.”

Voila — now you can compare this cohort to any other segment in any report you choose.

Google Analytics Acquisition Reports

This report breaks down your traffic by source: organic, direct, referral, email, social, paid search, display, affiliate, and (Other). (GA uses the (Other) category when it doesn’t know how to categorize a subset of traffic.)

From All Traffic, you can click into Channels.

Click on any category to explore each source in detail.

Depending on the category, you’ll see landing pages (which URLs your visitors entered the site on), source (which website brought them to yours), or keyword (which query took them to your site.)

To see this information presented visually, click on All Traffic > Treemaps. This post walks you through how to read and adjust the Treemaps report.

The next report, Source/Medium, breaks down the general category of traffic (which you saw in “Channels”) into the search engine or domain.

It’s useful if you want to get more granular insight into the ways people are coming to your site. For example, you might notice that a whopping 70% of your referral traffic is coming from LinkedIn, while just 5% is coming from Pinterest. Depending on your marketing team’s priorities it may be time to shift focus.

The last report, Referrals, reveals the specific URLs that sent people to your site, e.g. your referral traffic.

I like to add “Landing page” as a secondary dimension so you can see which pages on your site are receiving the referral traffic.

Google Analytics Behavior Reports

Out of all the reports in GA, I use the Behavior ones the most.

Site Content

This report gives you a review all of the blog posts, landing pages, web pages on your site.

All Pages

Let’s start with Site Content > All Pages. This shows the top-trafficked pages for your current view and/or segment. It’s useful in and of itself — you should always keep a careful eye on your most viewed URLs — but I especially like it when I’m analyzing traffic growth or declines.

To give you an idea, maybe total traffic to my website has dropped 10% month over month. I’d navigate to Site Content > All Pages and change the date range to this month compared to the last month (making sure the days of the week match up).

Then I can see the differences in pageviews by URL:

This helps me identify which pages received less traffic and contributed to that decline.

Helpful tip: I like to change the “Sort Type” from “Default” to “Absolute Change” so I see the results sorted by the greatest differences in percentage rather than total views.

I also add Page Title as a secondary dimension so I can see the name of each page alongside its URL.

Content Drilldown

This report breaks down the structure of your site by subdomain and then subfolder. To give you an idea, for HubSpot we can see data for each of our subdomains, including:

blog.hubspot.com

developers.hubspot.com

community.hubspot.com

And so on. If I clicked into blog.hubspot.com, I could then see aggregated data for:

blog.hubspot.com/sales

blog.hubspot.com/marketing

blog.hubspot.com/service

You get the drift. This report is probably most valuable for those managing highly complex properties.

Landing Pages

Landing pages is another one of my favorite reports. GA defines a landing page as the first page in a session — in other words, the visitor’s first interaction with your website.

There are a few ways to slice and dice this report.

First, if you’re interested in the sources (organic, paid social, direct, etc.) driving users to the landing page, you can add Source/Medium as a secondary dimension.

This is basically the opposite version of the report we added earlier.

Second, if you only want to see which landing pages users visited from a specific source, on a specific platform, or within a specific category, you can add the appropriate system segment:

Maybe you’re most interested in the landing pages that mobile and tablet users see — so you choose the Mobile and Tablet Traffic.

Or perhaps you’re curious about users who ended up buying something, so you choose the “Made a Purchase” segment. There are lots of possibilities here.

Exit Pages

This report shows the last pages users visited in their sessions before they left your site.

That’s a little confusing, so let’s use an example.

I want to find a place to grab dinner with my friends, so I search “Mediterrean restaurants near me.” A place that looks good pops up, so I click on it. First, I check out the menu. They have a hummus sampler — yum. Then I click on their press page. It links to a recent article on Eater, so I leave the site to read it. The reviewer loved the food. I’m sold.

The Press page would be my exit page.

You may hear that you should analyze your exit pages to understand why users are leaving your site — I think this example reveals why that strategy doesn’t always make sense. Just because someone has left doesn’t mean anything is wrong with the content.

So, check this report out, but take the data with a grain of salt.

Site Speed

This report is pretty self-explanatory: it tells you how quickly your site is loading for users. Obviously, the faster the better — not only do faster pages correlate with higher revenue, but Google’s algorithm takes page load time into account.

Site Speed Page Timings

This report delves into the average page load times for each URL. I use it to identify the slowest-loading pages on HubSpot’s site with the ultimate goal of figuring out why they’re taking their sweet, sweet time and how to speed them up.

The default metrics are pageviews and average page load time, but I also recommend looking at:

Avg. page load time and bounce rate

Change the Sort Type to “Weighted” so you see the blog posts with the highest pageviews first

Avg. page load time and page value

The latter gives you a sense of how much a specific page contributes to your total revenue

Looking at these two together helps you find slow-loading pages that are valuable to your bottom line (even if they don’t get a ton of traffic), making them a high priority to fix

Site Search

First things first: if users can search your website, make sure you’ve set up Site Search in GA. You must enable it for every view separately (here are the step-by-step instructions).

Usage

I typically start with the “Usage” report, which tells me how many sessions occurred with and without one-plus searches. In other words, I learn how frequently people used site search for the view and time period I specified.

Search Terms

Here’s where you learn what people are searching for. Look for themes: if you see the same search terms coming up multiple times, there are a few conclusions you could draw.

Either you need to create new content that gives users the information they’re looking for, and/or you need to better surface existing content so it’s easier to find.

Pay attention to the “% Search Exits” column, as this tells you how many users clicked away from the search results page rather than choosing a result. You can usually infer there wasn’t a good answer for their question (or it wasn’t appropriately titled.)

Search Pages

This report displays which pages users are starting searches from. It’s important to think about this contextually. Maybe people are commonly beginning searches from your 404 page — that makes sense and isn’t anything to be alarmed about.

If, on the other hand, they’re starting searches from a product landing page, something’s wrong. The content clearly isn’t living up to the expectations they had when they clicked the ad link.

Loves Data provides a solid overview of GA’s Site Search reports if you want to explore them even further.

Events

A user clicks a button. Then they download a file. Next they watch a video.

No, this isn’t the world’s most boring bedtime story — it’s an example of a GA event. Three events, to be specific.

GA defines events as “user interactions with content that can be measured independently from a web page or a screen load.”

Those user interactions are up to you; you’ll need to add special code to your site or app that tracks the specific actions you’re interested in. Here are the instructions.

If you’re not excited about events tracking already, I want you to get excited. There are infinite possibilities here: if you have an event set up for watching a product demo, and another for clicking a link to an external review of your tool, you can measure how many times each event happened.

Maybe you discover your video isn’t getting many plays. It’s probably time to optimize the current video, make it easier to find on your site, or create a new one. Or perhaps you see that way more users than you expected are checking out the third-party review of your product. That tells you users want more social proof and testimonials. Since the review is favorable, you might want to put it front and center on your site.

Top Events

This report tracks the events taking place most frequently — pretty straightforward. You’ll see total events (e.g. how many times that event happened) and unique events (how many sessions included one or more occurrences of that event).

If you’ve set values for your events, this report also shows you how the total value of each event and its average value (or the total value divided by the frequency.)

Pages

In this report, you can see which pages generate the most actions. I typically add “Event Category” as the secondary dimension, then filter for the event I’m most interested in.

To give you an idea, my team tracks “Blog CTA.” This event fires whenever a user clicks a CTA embedded in a blog post. To get to the report below, I added “Event Category” as the second dimension, then filtered for “Page begins with blog.hubspot.com” (so I’d only see URLs on the blog) and “Event Category equals Blog CTA.”

Now I can see which posts generate the most CTA clicks. Hopefully you’re starting to see the power of event tracking!

Events Flow

The Events Flow report tracks the order in which events take place on your site. It can tell you:

1) whether particular events tend to happen first — and if they trigger other events

To give you an idea, maybe users frequently watch your demo video, then click the CTA to schedule a call with a salesperson.

2) whether certain event categories are more common than others

Imagine you see that videos are played far more often than PDFs are downloaded.

3) whether users act differently based on segment

For example, perhaps people coming in via organic scroll to the bottom of your pricing page far more than people coming in via social media.

Note: this report is very subject to sampling. (Read more about GA’s data sampling practices here.) Sampled data is usually pretty accurate, but it means the more important the conclusion you’re drawing, the less uncertainty you’ll be able to tolerate.

To reduce the level of sampling, make the date range smaller.

Publisher

If you monetize your website with Google AdSense or Ad Exchange, you can use the Ad Manager and Google Analytics integration to bring information on how your ad units are performing into GA.

I won’t go into any more detail here, but I recommend reading the following resources if you want to know more:

About the Google Ad Manager integration

Set up the Google Ad Manager integration

Google Analytics Conversion Reports

If you have a website, you have an objective — probably several — for the people who visit your site.

Ecommerce store owners want their visitors to subscribe to their mailing list, make a user account, add something to their cart, and/or complete the order confirmation process.

Media companies want their visitors to stay on their site for as long as possible and/or view a certain number of pages (all the better to maximize their ad revenue.)

B2B businesses want their visitors to download an ebook, sign up for a webinar, or book a call with a sales rep.

Google Analytics makes it possible to measure all of these things — plus many more.

A goal is essentially a conversion that you’ve defined (which is why this info shows up under the Conversion section.)

There are four main types of goals:

Destination: this goal is completed when a user reaches a specific page, like a product page, order confirmation page, or thank you page

Event: this goal is completed when a predefined event fires (like the Events you can set up as, well, Events — think watching a video or sharing something to social media)

Duration: this goal is completed when a user’s session lasts longer than a pre-set time

Pages/screens per session: this goal is completed when a user views a specific number of pages (or screens for an app) per session

The first two are insanely useful. The last two are pretty useless. (If you have an interesting use case for Duration or Pages/screens per session, let me know on Twitter @ajavuu. I’d love to be proven wrong.)

Once you’ve identified your goals, take a look at these instructions for creating, editing, and sharing them. This guide on choosing goal values is also quite helpful.

Overview

Head here to learn how you’re doing goal-wise across the board. I get the most from this report when I compare date ranges and/or look at goal completions by segment.

For example, quickly looking at goal completions by device reveals mobile visitors sign up for the blog newsletter much less frequently than desktop and tablet visitors. That could be because it’s hard to sign up for the newsletter on a phone — or it could be mobile users are looking for one thing and ending their session as soon as they’ve found it. I should dig in more to decide which case it is.

Goal URLs

Knowing a goal was completed isn’t helpful in and of itself; you also need to know where it happened. Suppose you’ve embedded the same form in three separate pages on your site. It’s great that Daenerys Stark from Dragonstone, Blackwater Bay just filled out your form to get in touch with a consultant, but which page did she fill it out on?

The Goal URLs report shows you. It breaks down conversions by “Goal Completion URL” (read: where it went down.)

Reverse Goal Path

Reverse Goal Path is the unsung hero of the Conversion section. Well, I’m singing its praises now. This report allows you to see the last three pages a user visited before completing the goal.

It’s useful for goals that aren’t sequential. Maybe you have a contact form that appears in multiple places on your site, or there are two different paths that lead users into buying your ebook. Thanks to this report, you can understand the various ways people arrive at the end destination — and there’s no need to set up a funnel.

I usually filter down to a specific goal completion location or goal previous step 1, 2, or 3.

For example, since I’m interested in seeing which blog posts generated leads from content downloads, I added “Goal Previous Step – 1 containing blog.hubspot.com” to the filter.

Here’s what I got:

“(Entrance)” means the user came to the site on that step; “(not set)” means the user didn’t complete any steps prior to that one — because they weren’t on the website yet.

For a comprehensive exploration of Reverse Goal Path, take a look at OnlineMetrics’s guide.

Funnel Visualization

For sequential goals, Funnel Visualization is your go-to report.

Going back to the ecommerce example, the last goal would be “Arrived at the order confirmation page.” The goal before that, or goal #3, would be “Clicked checkout.” The goal before that, goal #2, would be “Added something to cart.” And the goal before that, goal #1, would be “Looked at product listing page.”

At each stage, you can see user drop-off. That lets you identify areas where you can improve conversion rates; for example, maybe you lose a lot of users during the checkout process. You change the flow so they can check out as a guest (versus needing to create an account), which dramatically reduces checkout abandonment.

To see this level of detail, you’ll need to map out your goals as a series. If all of your goals are simply the end objective, like “Arrived at the order confirmation page,” you won’t be able to reverse-engineer how users progress.

The Funnel Visualization report also requires you to mark the first step in the goal path as required or not. If you tell GA that yes, the first goal needs to be completed, Funnel Visualization will only show you the sessions where the user first finished goal #1. If a user skips goal #1 and goes straight to goal #2, their session won’t be represented here.

Read WPromote’s primer on Funnel Visualization next to get more details on setting up and reading this report.

Goal Flow

If Funnel Visualization is the uptight relative who always made you take your elbows off the table and wash your hands before you ate, Goal Flow is the laid-back, fun relative who’d randomly take you out of school to go to the zoo.

All that to say: Goal Flow gives you a lot more freedom than Funnel Visualization. Unlike the latter, Goal Flow shows you all sessions that led to the completed end goal — regardless of whether the user completed the required goal #1 or not.

Another difference from Funnel Visualization: Goal Flow also shows you loopbacks — i.e. when a user goes back to a previous page or refreshes their current one.

If the user skips a step, Funnel Visualization “backfills” it. Goal Flow doesn’t.

If you edit an existing funnel or create a new one, Funnel Visualization will show you all your data from that moment onward. Goal Flow, on the other hand, can show you data from the past.

You can also toggle the Dimension and Level of detail of the report, as well as the segment, to get even more granular.

I recommend looking at various segments to see which convert at the highest and lowest rates — plus where they commonly drop out.

Note: this report is very subject to sampling. (Read more about GA’s data sampling practices here.) Sampled data is usually pretty accurate, but it means the more important the conclusion you’re drawing, the less uncertainty you’ll be able to tolerate.

To reduce the level of sampling, make the date range smaller.

Smart Goals

This report is helpful if you’re A) using Google Ads and B) not measuring conversions. Basically, Google uses machine learning to identify your “best” sessions — or those likeliest to generate conversions — and then translates those themes into Smart Goals.

Once you have Smart Goals, you can use them in Google Ads to optimize your ads performance.

Smart Goals are controversial within the marketing community because the data is minimal and businesses will be far better served by setting up their own conversion tracking. Keep that in mind if you decide to use them.

Now You’re Ready to Track

Google Analytics is a highly valuable tool for any business as it gives you tangible data that you can apply to grow your business. Bookmark this guide and come back to it as your data tracking becomes more sophisticated.

Good luck on your Google Analytics journey.

[ianmkeenan]

Growing in Northern Territory, Australia

Northern Territory:

Australian marijuana laws

Northern Territory information

Specific growing laws

The Northern Territory is a place where it seems like it wants to be progressive, but so far their laws lag behind. There are strict penalties for people who are caught growing or possessing marijuana, for example -- and these penalties are even more stringent than in other parts of the country. Nonetheless, the Northern Territory has lots of land and lots of sun -- so if you kept it a secret (or if it ever gets legalized), you could have a pretty successful grow here.

Australian marijuana laws

Australia is not the most behind in terms of its marijuana laws, but it isn’t the most progressive, either. As of 2016, there is a medical marijuana program in place, but how that looks in each state can vary widely within Australia. Recreational marijuana is completely illegal. Some states permit medical marijuana prescriptions for patients suffering from specific conditions, while others evaluate the situation on a case-by-case basis and let anyone obtain medical marijuana as long as they are prescribed it by a doctor and have official approval.

Of course, having a medical marijuana program and realistically having access to medical marijuana are two very different things. Australia is a huge place, and not having enough dispensaries is a genuine issue. Again, this does depend on which state the person in question is residing in.

Australian marijuana laws - Image powered by Gizmodo.com.au

The population of Australia is actually mostly in favor of legalizing (or at least decriminalizing) marijuana. Unfortunately, the government seems a bit slow on the uptake and hasn’t quite come to terms with the reality of the situation yet. The different states already have their own regulation processes for the medical marijuana program, and they have different levels of punishment for simple marijuana possession (including growing a plant or two). Some states will just give you a fairly minimal fine, while other states could actually throw you in jail for two years.

This is why f you’re planning on doing anything with recreational marijuana when you’re in Australia, you better be highly aware of which state you are in and what the local laws concerning recreational marijuana are. In certain states it is truly not worth the risk.

The medical marijuana program in the Northern Territory is regulated by the Australian Government Department of Health. Any kind of medicine that has cannabinoids in it is restricted so that only patients with a particular ailment can get it. That said, the Northern Territory might be more ahead of its times than you would think.

Northern Territory information

The Northern Territory is actually interested in being more progressive when it comes to marijuana. In May, for example, the labor chief actually pointed out that they have an interest in being the first state in Australia where people can smoke and buy marijuana legally. While nothing has happened yet, the fact that some sounds are being made about it by politicians shows that something good is brewing.

Of course, a state is more than just its laws. The Northern Territory encompasses the middle third of the northern coastline and extends through the middle of the continent. This state has quite a low population, especially considering it’s large geographic size (it is the third largest state in the country). It has a mere quarter of a million residents altogether.

Northern Territory information - Image powered by Wikipedia.org

For growers, of course, the climate is an essential aspect of the state. The state’s capital, Darwin, is located in the northernmost region, where the coast is. This region is a savannah climate. The further south you go from there, the hotter it gets. The middle part of the state is a hot semi-arid climate, while the southernmost part (which is the middle part of the country) is a hot desert.

If you’re going to grow marijuana plants in the Northern Territory, you had better have a complete understanding of which climate zone you are in. This should determine which seeds you buy since different strains perform differently in certain climates.

Specific growing laws

At the time of writing, no Australian state allows marijuana cultivation -- at least not without an official license. There have been a few licenses given out, although it’s important to note that just any old grower cannot simply start growing marijuana. There are extremely strict rules in place to qualify as a grower, many of which revolve around maintaining the security of the site. Basically, the government doesn’t want anyone to be able to stroll onto your grow operation and just take the weed they want.

Specific growing laws - Image powered by Leafbuyer.com

At the moment, only this industrial cultivation of marijuana is allowed. However, this could change in the near future -- and this change could be led by the Northern Territory. It could look something like Colorado in the United States, which allows for the cultivation and possession of certain (small) amounts of the herb.

Until then, the penalties for growing or possessing marijuana in the Northern Territory are actually pretty high. If you’re caught, you might end up paying 200 “penalty units” (each unit is currently worth $154), or you could land in jail for two years. If you’re growing a “traffickable” or “commercial” amount, you could end up in jail for 25 years or 7 years, respectively. If children are present or involved, these penalties become much worse.

The Northern Territory may not have legalized marijuana growing, but it’s still a great place to grow marijuana! Make sure you understand your risks and be careful! Happy growing!

Robert Bergman

The post Growing in Northern Territory, Australia appeared first on I Love Growing Marijuana.

[757ar]

How are you feeling? What Census 2021 should ask

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What Census 2021 should ask

How are you feeling? What Census 2021 should ask

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How are you feeling? What Census 2021 should ask

By Jenna Price

6 April 2018 — 12:00am

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We should all thank Sherry Arnstein. Then we should memorise what she said and repeat it to our politicians, to our bosses and to anyone who ever wants to consult with us. And that includes our friends at Census 2021.

This is your opportunity to tell the Australian Bureau of Statistics what you want to know.

The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census.

Photo: AP

Now, Arnstein was an American researcher in the late sixties when she wrote an excellent explanation of how people are marginalised from decision-making – she called it the Ladder of Citizen Participation.

It goes something like this. A group/organisation/boss/government will ask for citizen/employees/voters/some other interested parties to consult but the information we are given isn't the whole picture. We are given half a story and the questions we are asked manipulate us into delivering the answers those people want.

You've all been there.

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The boss who sends out a consultation process which is so utterly tortured that it will not reflect what workers think. Or who puts in place her lackeys so that the conversation is managed and manicured to within an inch of its life, reflecting only what the boss wants to here.

The government does some polling but the questions are so terrible that the responses will only back what the government wants to do anyway.

Arnstein called that process manipulation or if done in a slightly more sophisticated manner, she called it consultation or maybe even an information session. When bosses decide they already know what is troubling employees and offer well-being workshops to cure us of the ills we suffer at work, Arnstein had a word for that too – she called that therapy. It's a way of making decisions on behalf of a group rather than with a group.

There are ways for us to participate and there are ways for us to be included in decision-making.

I can't say I'm filled with confidence at the prospect of Census 2021. The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census – what do you think should be collected? It's asking for public submissions about what topics should be included – it needs to be of current national importance and fulfil a bunch of other criteria, most of which are about efficiency and accuracy.

Just to remind you, the 2016 Census was a real doozy: from our national panic about the data the ABS was collecting to the catastrophe of #censusfail, it was one drama after another. The Chief Statistician would appear on the news and filled me with dread.

My first concern was that if I filled in my census form with all the detailed information required – including my name and my address – would it be safe? Could anyone attach my name and address to the other information I provided?

When 7.30's reporter and now AM host, Sabra Lane asked David Kalisch last year how, "In the era of WikiLeaks, how can you guarantee that this information's going to be safe?", he replied: "Well we've kept names and addresses in the past two censuses for up to 18 months and we've never had a breach."

Which turned out not to be true. The ABS had reported 14 data breaches since 2013, so there was that for me to panic about.

And when we were all still worried about, the Census website collapsed in a heap and across Australia, you could hear the cursing.

Now it turns the ABS is not interested in our opinions on either of those issues – it is "undertaking a comprehensive review of what went well in the operation of 2016 Census and has identified areas of improvement for 2021". The good thing is that 95 per cent of us ended up completing the dodgy form and – so far – there haven't been any data breaches.

But I've spent the last two weeks trawling through the Census with a whole bunch of 18 year olds who are surprised how little the data tells us about who we really are, what we think and what we feel.

Perhaps it is hard to capture our emotions in a questionnaire.

But questions about whether we are satisfied with our lives would shed some light on the national psyche. The topics are so concrete – income and work, transport and housing, cultural diversity and religion; and they don't give us any insight into whether we feel satisfied with our lives, what worries us, what would make our jobs and lives more secure. Do we feel as if we are being manipulated or do we feel as if we citizens have control?

Neither governments nor employers care for how we feel and certainly don't invest in finding out. Facebook did that without our permission and that information was used against our will and not in our best interests.

But we need to know this. We need to know more than just our population and our location and how educated we are to have a sense of the cohesion of our community and our country.

And the only way we can know is off the ABS asks us how we feel.

Jenna Price is an academic at the University of Technology Sydney and a Fairfax Media columnist.

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Jenna Price is a Fairfax columnist, and an academic at the University of Technology, Sydney.

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Name=\"Bibliography\"\u002F\u003E\u003Cw:LsdException Locked=\"false\" Priority=\"39\" QFormat=\"true\" Name=\"TOC Heading\"\u002F\u003E\u003C\u002Fw:LatentStyles\u003E\u003C\u002Fxml\u003E\u003C![endif]--\u003E\u003C!--[if gte mso 10]\u003E\u003Cstyle\u003E\u002F* Style Definitions *\u002Ftable.MsoNormalTable{mso-style-name:\"Table Normal\";mso-tstyle-rowband-size:0;mso-tstyle-colband-size:0;mso-style-noshow:yes;mso-style-priority:99;mso-style-parent:\"\";mso-padding-alt:0cm 5.4pt 0cm 5.4pt;mso-para-margin-top:0cm;mso-para-margin-right:0cm;mso-para-margin-bottom:10.0pt;mso-para-margin-left:0cm;mso-pagination:widow-orphan;font-size:10.0pt;font-family:Cambria;mso-ascii-font-family:Cambria;mso-ascii-theme-font:minor-latin;mso-hansi-font-family:Cambria;mso-hansi-theme-font:minor-latin;mso-fareast-language:JA;}\u003C\u002Fstyle\u003E\u003C![endif]--\u003E\u003C!--StartFragment--\u003EWe should all thank Sherry Arnstein. Then we should memorise what she said and repeat it to our politicians, to our bosses and to anyone who ever wants to consult with us. And that includes our friends at Census 2021.\u003C\u002Fp\u003E\u003Cp\u003EThis is \u003Cx-placeholder id=\"af44fae23e4f0cef245da6af077b924be33c497c\"\u003E\u003C\u002Fx-placeholder\u003Ewhat you want to know.\u003C\u002Fp\u003E\u003Cx-placeholder id=\"edeb86040ea15f6ea6ab47b006f07b55bbe6a708\"\u003E\u003C\u002Fx-placeholder\u003E\u003Cp\u003ENow, Arnstein was an American researcher in the late sixties when she wrote an excellent explanation of how people are marginalised from decision-making – she called it the \u003Cx-placeholder id=\"9917dbd4b364c1e070d868cb8930f10ad0201760\"\u003E\u003C\u002Fx-placeholder\u003E.\u003C\u002Fp\u003E\u003Cp\u003EIt goes something like this. A group\u002Forganisation\u002Fboss\u002Fgovernment will ask for citizen\u002Femployees\u002Fvoters\u002Fsome other interested parties to consult but the information we are given isn't the whole picture. We are given half a story and the questions we are asked manipulate us into delivering the answers those people want.\u003C\u002Fp\u003E\u003Cp\u003EYou've all been there.\u003C\u002Fp\u003E\u003Cp\u003EThe boss who sends out a consultation process which is so utterly tortured that it will not reflect what workers think. Or who puts in place her lackeys so that the conversation is managed and manicured to within an inch of its life, reflecting only what the boss wants to here.\u003C\u002Fp\u003E\u003Cp\u003EThe government does some polling but the questions are so terrible that the responses will only back what the government wants to do anyway.\u003C\u002Fp\u003E\u003Cp\u003EArnstein called that process manipulation or if done in a slightly more sophisticated manner, she called it consultation or maybe even an information session. When bosses decide they already know what is troubling employees and offer well-being workshops to cure us of the ills we suffer at work, Arnstein had a word for that too – she called that therapy. It's a way of making decisions on behalf of a group rather than with a group.\u003C\u002Fp\u003E\u003Cp\u003EThere are ways for us to participate and there are ways for us to be included in decision-making.\u003C\u002Fp\u003E\u003Cp\u003EI can't say I'm filled with confidence at the prospect of Census 2021. The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census – what do you think should be collected? It's asking for public submissions about what topics should be included – it needs to be of current national importance and fulfil a bunch of other criteria, most of which are about efficiency and accuracy.\u003C\u002Fp\u003E\u003Cp\u003EJust to remind you, the 2016 Census was a real doozy: from our national panic about the data the ABS was collecting to the catastrophe of #censusfail, it was one drama after another. The Chief Statistician would appear on the news and filled me with dread.\u003C\u002Fp\u003E\u003Cp\u003EMy first concern was that if I filled in my census form with all the detailed information required – including my name and my address – would it be safe? Could anyone attach my name and address to the other information I provided?\u003C\u002Fp\u003E\u003Cp\u003EWhen 7.30's reporter and now AM host, Sabra Lane \u003Cx-placeholder id=\"8e875935e2b90e6a06a6e032f5f961515b429c89\"\u003E\u003C\u002Fx-placeholder\u003E how, \"In the era of WikiLeaks, how can you guarantee that this information's going to be safe?\", he replied: \"Well we've kept names and addresses in the past two censuses for up to 18 months and we've never had a breach.\"\u003C\u002Fp\u003E\u003Cp\u003EWhich turned out not to be true. The ABS had reported 14 data breaches since 2013, so there was that for me to panic about.\u003C\u002Fp\u003E\u003Cp\u003EAnd when we were all still worried about, the \u003Cx-placeholder id=\"0b3daad9c0ed29cc9e0040fb4456786650456589\"\u003E\u003C\u002Fx-placeholder\u003E and across Australia, you could hear the cursing.\u003C\u002Fp\u003E\u003Cp\u003ENow it turns the ABS is not interested in our opinions on either of those issues – it is \"undertaking a comprehensive review of what went well in the operation of 2016 Census and has identified areas of improvement for 2021\". The good thing is that 95 per cent of us ended up completing the dodgy form and – so far – there haven't been any data breaches.\u003C\u002Fp\u003E\u003Cp\u003EBut I've spent the last two weeks trawling through the Census with a whole bunch of 18 year olds who are surprised how little the data tells us about who we really are, what we think and what we feel.\u003C\u002Fp\u003E\u003Cp\u003EPerhaps it is hard to capture our emotions in a questionnaire.\u003C\u002Fp\u003E\u003Cp\u003EBut questions about whether we are satisfied with our lives would shed some light on the national psyche. The topics are so concrete – income and work, transport and housing, cultural diversity and religion; and they don't give us any insight into whether we feel satisfied with our lives, what worries us, what would make our jobs and lives more secure. Do we feel as if we are being manipulated or do we feel as if we citizens have control?\u003C\u002Fp\u003E\u003Cp\u003ENeither governments nor employers care for how we feel and certainly don't invest in finding out. Facebook did that without our permission and that information was used against our will and not in our best interests.\u003C\u002Fp\u003E\u003Cp\u003EBut we need to know this. We need to know more than just our population and our location and how educated we are to have a sense of the cohesion of our community and our country.\u003C\u002Fp\u003E\u003Cp\u003EAnd the only way we can know is off the ABS asks us how we feel.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EJenna Price is an academic at the University of Technology Sydney and a Fairfax Media columnist.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E","bodyPlaceholders":{"0b3daad9c0ed29cc9e0040fb4456786650456589":{"data":{"text":"Census website collapsed in a heap","url":"http:\u002F\u002Fwww.abc.net.au\u002Fnews\u002F2017-10-19\u002Fabs-annual-report-censusfail\u002F9064970"},"type":"linkExternal"},"8e875935e2b90e6a06a6e032f5f961515b429c89":{"data":{"text":"asked David Kalisch last year","url":"https:\u002F\u002Fwww.brisbanetimes.com.au\u002Fopinion\u002Ftrying-to-make-sense-of-the-census-but-im-still-not-convinced-on-privacy-20160808-gqnj9q.html"},"type":"linkExternal"},"9917dbd4b364c1e070d868cb8930f10ad0201760":{"data":{"text":"Ladder of Citizen Participation","url":"http:\u002F\u002Fwww.citizenshandbook.org\u002Farnsteinsladder.html"},"type":"linkExternal"},"af44fae23e4f0cef245da6af077b924be33c497c":{"data":{"text":"your opportunity to tell the Australian Bureau of Statistics ","url":"http:\u002F\u002Fabs.gov.au\u002Fausstats\u002Fabs@.nsf\u002FLookup\u002Fby%20Subject\u002F2007.0~2021~Main%20Features~How%20to%20participate~20"},"type":"linkExternal"},"edeb86040ea15f6ea6ab47b006f07b55bbe6a708":{"data":{"altText":"","aspect":1.777778,"autoCrop":false,"caption":"The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census.","credit":"AP","fdcid":"fdcx,fdcx~doc6qysv4q9bth4yyrm5ep","id":"98887a7c9b7b2816d58dffe68fabf4b0a13d518a","source":"not-for-syndication"},"type":"image"}},"byline":"Jenna Price","closeComments":false,"headlines":{"headline":"How are you feeling? What Census 2021 should ask"}},"dates":{"created":"2018-04-05T05:08:13Z","firstPublished":"2018-04-05T14:00:00Z","imported":"2018-04-05T09:01:27.718439994Z","modified":"2018-04-05T09:01:18.651Z","published":"2018-04-05T14:00:00Z","saved":"2018-04-05T09:01:18.958Z"},"editingState":"ready","id":"h0ydr9","featuredImages":{"landscape16x9":{"data":{"aspect":1.777778,"caption":"The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census.","credit":"AP","cropWidth":2000,"id":"98887a7c9b7b2816d58dffe68fabf4b0a13d518a","offsetX":0,"offsetY":180,"source":"not-for-syndication","zoom":1}},"landscape3x2":{"data":{"aspect":1.5,"caption":"The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census.","credit":"AP","cropWidth":1913,"id":"98887a7c9b7b2816d58dffe68fabf4b0a13d518a","offsetX":0,"offsetY":0,"source":"not-for-syndication","zoom":1}},"square1x1":{"data":{"aspect":1,"caption":"The Australian Bureau of Statistics has called for citizen participation in decisions about the next Census.","credit":"AP","cropWidth":864,"id":"98887a7c9b7b2816d58dffe68fabf4b0a13d518a","offsetX":200,"offsetY":384,"source":"not-for-syndication","zoom":1}}},"participants":{"authors":[{"bio":"Jenna Price is a Fairfax columnist, and an academic at the University of Technology, Sydney.","id":"hvep6","featuredImages":{"headshot":{"data":{"id":"9f1810f246b5712c5e68d45d554e13866326d8e3"}}},"name":"Jenna Price","social":{"facebook":{"id":"\u002Fjennapricejournalist"},"googlePlus":{"id":"110814205091871180166"},"twitter":{"id":"jennaprice"}},"title":"Columnist for The Canberra Times and the SMH"}]},"publicState":"published","seo":{"doNotIndex":false,"keywords":"census 2021, Australian Bureau of Statistics, ABS, #censusfail, jenna price","standout":false},"social":{"doNotShare":false},"sourceCms":{"cmsType":"cq"},"tags":{"primary":{"context":"Content","description":"Opinion","displayName":"Opinion","name":"Opinion","urls":{"published":{"brisbanetimes":{"path":"\u002Ftopic\u002Fopinion-1ql"},"smh":{"path":"\u002Ftopic\u002Fopinion-1ql"},"theage":{"path":"\u002Ftopic\u002Fopinion-1ql"},"watoday":{"path":"\u002Ftopic\u002Fopinion-1ql"}}}}},"urls":{"canonical":{"brand":"smh","path":"\u002Fopinion\u002Fhow-are-you-feeling-what-census-2021-should-ask-20180405-h0ydr9.html"},"published":{"brisbanetimes":{"path":"\u002Fopinion\u002Fhow-are-you-feeling-what-census-2021-should-ask-20180405-h0ydr9.html"},"canberratimes":{"path":"\u002Fopinion\u002Fhow-are-you-feeling-what-census-2021-should-ask-20180405-h0ydr9.html"},"smh":{"path":"\u002Fopinion\u002Fhow-are-you-feeling-what-census-2021-should-ask-20180405-h0ydr9.html"},"theage":{"path":"\u002Fopinion\u002Fhow-are-you-feeling-what-census-2021-should-ask-20180405-h0ydr9.html"},"watoday":{"path":"\u002Fopinion\u002Fhow-are-you-feeling-what-census-2021-should-ask-20180405-h0ydr9.html"}},"webslug":"how-are-you-feeling-what-census-2021-should-ask"},"version":{"internal":4,"sourceCms":4}},"httpStatus":200,"title":"How are you feeling? 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[sporlederart]

Northern Territory Part III: The Mighty Uluru

Uluru is a magical place, one of Australia’s most iconic landmarks. It is a place that is steeped in tradition and one that has a highly significant spiritual meaning in Aboriginal life. It’s also a place that is shrouded in modern day political contrasts and confusions.  To climb the rock, or not climb the rock?  To take a picture, or not take a picture?  A holy site or simply a big rock? These were questions with which I was faced and didn’t quite understand until my final moments at Uluru. It was a moment, where after days of forcing imagery and wanting to experience something surreal, I realized that it simply wasn’t going to happen. It was just then, only after letting my guard down, did the rock finally speak to me and allow me to experience a moment in time that will be engraved into my mind for as long as I live. 

I rolled into Yulara, the small tourist town outside of Uluru, and set up camp at the Desert Garden Voyages, which was to be my base camp for my final five days in the Northern Territory. Five days is a long time on a photographic journey and I was sure I had an eternity to get just the images I was hoping to get. Where I had lacked in preparation in other areas, I had made up for it here in researching the photographing of Uluru. I knew the locations and interesting angles that I wanted to shoot from (thanks Google Earth) and all the times of the sunrises and sunsets. Now it was simply a matter of getting out there and making it happen, which turned out  to be a lot more difficult than I initially thought. I got tested, I hit a wall and ultimately, on the last day I threw in the towel. Little did I know that the decision to stop trying to force something out of Uluru and to simply enjoy its presence, was going to be one of the best choices I’ve ever made. 

For my final days in the Northern Territory, I had a great itinerary made up of exciting and inspiring events daily. At the sound of silence dinner, I sipped on great Australian wines and dined behind the shadow of Uluru. I enjoyed camel treks at sunset while staring off at the silhouette of Kata Tjuta as the sky glowed orange behind it, and enjoyed an outdoor BBQ at the Outback Pioneer Bar. I experienced all of this at one of the world’s most beautiful places, but there was still something missing. I had a desire to connect at a different level with this place and it was proving to be quite difficult. 

Essentially, most of the people at Uluru are tourists. There is a small Aboriginal town within the park called Mutitjulu, but it requires a special permit to enter the town. Everywhere you look there is another jumbo bus arriving, hauling hoards of tourists off to another site for their packaged deals. Every morning, thousands of people line up along a marked rope and snap away to capture the fabled sunrise. It’s beautiful, don’t get me wrong- but I was hoping for a slightly more personalized experience. I was expecting something a little more moving.  

Expectations and preconceived notions were motivating my actions during the first few days at Uluru. When I travel to these far off places, I put extreme pressure on myself to get the best photos and videos there are. Other photographers may work years at perfecting their craft, patiently waiting for the right light, and the perfect moment when everything comes together. Yet I unrealistically hope that I will be lucky enough to take the best photo that has ever been taken of that location on the one day of my life that I am there. It should be postcard perfect, no questions asked. I know how to be patient, but when things don’t work out and I know my flight home is in a few days, and I have not gotten what I came to get, I start to get grumpy, impatient and downright irritated.

That’s what started happening towards the end of my trip. For my few days at Uluru, I was fortunate enough to have been given a media pass which gave me special access to areas not open to the public. I was sure I would get great photos, but it was not to be the case, for the following reasons. 

Uluru is a very spiritual place for all Aboriginal people, but particularly to the Pitjantnanara people, who are the traditional owners of the site. Aboriginal people believe very strongly in respect and show their respect through avoidance practices. It is out of respect that you do not make eye contact with one another, or mention the name of a deceased family member, or take pictures of sacred spiritual sites. This is a belief that I completely respect and did not want to offend anyone during my time as a guest at Uluru. It was also a belief that was a bit difficult for me as a photographer, considering the fact that my sole purpose was to photograph and write about my journey through the Outback.

I was given one of the three media passes granted per month and was also assigned a media ranger who followed my every move while I was in the park. It was the ranger’s job to make sure that I did not take any photographs or video of sacred sites in accordance with the Anangu people’s guidelines. Again, I completely respect this, but what I found difficult was suddenly being told what I could and could not shoot after 25 days of complete photographic freedom on the road. Standing in a predetermined spot, shoulder to shoulder with a few hundred tourists all snapping the same shot, is not exactly my thing. Because of my “Media Pass”, I was told that I couldn’t take a picture, while the 500 tourists next to me were snapping away. I was caught up in my own expectations of what Uluru was “supposed” to be, and the images I should have been capturing. 
That attitude continued for another two days, and the poor ranger who was assigned to me must have thought I was the most irritable jerk in the world. The next day, the weather began to turn and when the sky became a flat gray, I knew I was done.
 On my final day, after waking up and seeing another day of gray sky and rain, I made the conscious decision that I was over it. I had been moving around non stop for 25 days, shooting close to a thousand photographs a day, and it was time for me to simply ENJOY THE PLACE!  Uluru and I had been butting heads since the moment I arrived. Every expectation that I had about the place had not come to fruition, and I was tired of trying to force it. 

This “No-photo” mentality came as quite a surprise to the second media ranger I met on the afternoon of my final day. She was going to escort me around the park to a few locations where I had not been. When we got out of the car and started walking, she was a little caught off guard by my answer when she asked - “It’s a little bit of a walk to the spot. Do you want to grab your camera before we go?” 
“Nah, I don’t think so. I think I’ll leave it in the car.” I responded. 

That was met with raised eyebrows. Here I was, with the same media pass that Oprah and her film crew (the size of a small town) had when they visited, and I was telling her that I really didn’t feel like bringing my camera. 

Truth be told, I didn’t feel like bringing it. We began talking about this, and I started opening up about how I thought I had just been pushing things for the last few days. I wanted to just try and experience the place, without taking from it. I wanted to smell it and breathe it without trying to capture its beauty. I didn’t want to be weighed down with all these lenses and equipment.  I wanted to be light, to finally try and connect with Uluru before I left. To just take a few mental pictures of the places, and hell, it was raining anyway so there wasn’t much that could be done photowise. 

That’s when she told me about the Anangu’s (the local Aboriginal people) belief that to truly understand and appreciate Uluru, you had to sit and listen to it. You had to listen to what the land has to say, to feel it and let it talk to you. We made our way along the Mala walk in the rain, drawing in the smell of the eucalyptus leaves which, thanks to the rain, where giving off a strong aroma. The path which had people on it when we began our walk, slowly began to empty. She told me about some of the ancient beliefs at the Kantju Gorge, and about the old spirituality of the place. Then we stopped, we listened and breathed. I’m not sure how long we were there, but it felt like a while. It had literally been the first time I had stopped moving in a month. Definitely the first time I had been without a camera. I sat and tried to imagine people living and moving about this water hole thousands of years ago. Long before the Renaissance, long before biblical times, long before anything, people had been coming to this place. They came to hunt, to drink, to rest and to practice their beliefs. Just because there is not an altar, statue, shrine or any man made entity, doesn’t mean that this isn’t a holy site. In those minutes that I stood there in silence and listened to the wind sway through the trees, I really felt its spirituality.  

After some minutes there, I felt a shift in the weather. From what had been a brisk, blustery wind bringing rain for the better portion of the day, it shifted suddenly to a slightly warmer breeze. There was no longer an edge to this wind, and I noticed that it changed directions. It was this shift of the weather is what got me and the ranger to start talking again. We decided to head back to the car and as we walked we discussed how nice it is to slow down sometimes, like we just had.  

Once again, a conversation came back to the east vs. west topic. She told me about the notion of sitting and listening and how it simply doesn’t apply to the western world. 

“Imagine going to a dinner party, where you ran into some old friends. Those friends said, Scott... How have you been? What have you been up to man?” and you responded with, “ I’ve been good, I’ve just been, ah, sitting and listening a lot.”
”Sitting and listening? Can you imagine their response? It would be as if you were speaking another language.”

It’s true, we often only measure accomplishments and success on material achievements-  what do we physically have to show for what we’ve been doing? If you don’t have money, or a beautiful home and other possessions, well.... then you’re not doing much. 

As we discussed this and made our way to the car, I noticed that on the horizon there was a little gap, a small slice of blue sky.  I have a slight sunset addiction. I love them, I’m fortunate to live close to the beach at home and watch the sunset over the ocean just about every night. After many years of watching sunsets, I know what it takes for the sun to get underneath the clouds and light up the entire sky. 

I told the ranger that we should head back up to a hill with a good viewpoint of Uluru for sunset. As if the mighty rock was orchestrating the entire thing, we strolled, without a hurry in the world, then drove super slow up to the spot, got my camera and sauntered our way up to the viewing point. 

The synchronicity of the moment was almost spooky. Just as we got to the top of the hill, the sun peeked its head out from underneath the clouds and hit the side of Uluru with all of its might. Uluru was wet from the rain, giving it almost a velvetlike texture, but once the light hit it, the rock popped with the brightest color of red I had ever seen. For about 5 minutes, there was a natural light show that was simply surreal. Right at the end of the sunset, I heard the ranger yell out- “Scott! Scott! Do you see that? Look... above it, it’s a rainbow!” 

When she yelled my name, I immediately looked back in the direction of Uluru and there coming directly out of the center was a faint rainbow. Over the course of the next minute, the rainbow got brighter and brighter. It was a strange little rainbow- it didn’t have the full spectrum of color that you normally see, but it looked like a stream of red paint being poured over the top of the rock. 

There I stood, in awe, watching this unreal sight. I was so excited that I could have jumped out of my skin. The ranger told me that in the six years working at the park she had never seen a rainbow like that over Uluru. It was a magical moment. 

As fast as it came, it went away and left the few of us standing atop that hill buzzing. We looked around, smiling, straight-up stoked on what had just happened. Shit like that doesn’t take place everyday. I even high-fived an English dude that was standing near us. 

As we walked back down towards the car to bid our farewells, the ranger made a comment that struck me deeply. She said that by sitting and listening to Uluru, I had given a chance for my heart to finally catch up with my body. It was so true that Uluru and I been locking horns for a few days.  I thought I could simply roll into town and capture something beautiful without taking the time to connect with the place. In this place that has been the spiritual heart of a people’s culture for thousands of years, I had the audacity to think that in three days I could show up and start taking from it without getting to know it. What I do know now is that for a brief moment in time I decided not to force things and instead to sit and listen to the beauty that is Uluru, and in return Uluru gave back to me. 

That was the way that I ended my two weeks in the Outback. After hearing many people talk about the power of the land in the Outback, I finally felt it too. It’s a beautiful place on this earth, a spiritual place. It can simply be a tourist destination if you want it to be, a place to snap a few pics, take a camel trek, enjoy a delicious dinner and some beautiful bush walks. But if you want to strip it all back, see past the facade and feel the place, it’s there... all you have to do is sit and listen to it.

Sincerely,

Scott

[darbiblog-blog]

Ten Hints for Comparing Health Care Guidelines And Regulations

New Post has been published on https://darbi.org/ten-hints-for-comparing-health-care-guidelines-and-regulations/

Ten Hints for Comparing Health Care Guidelines And Regulations

Australians already realize that Fitness insurance can offer protection for people and families when a medical need arises. Many, however, do not realize the way to discover the pleasant price whilst Comparing health care insurance Guidelines.

Beneath are 10 Suggestions all and sundry need to study before searching for non-public Health coverage.

1. Choose insurance that concentrates for your particular Fitness wishes or ability Fitness wishes.

The primary thing you have to do before Evaluating your Health plan options determines which coverage functions high-quality fit you. A 30-12 months-antique accountant, for instance, goes to want very one-of-a-kind insurance than a 55year-old pro golfer, or a seventy five-yr-antique retired veterinarian. By using understanding the Fitness needs that most customarily correspond to people in your age and interest level institution – your lifestyles level – you could keep cash By using buying simplest the insurance you want and keep away from unnecessary offerings that are not applicable. as an instance, a younger circle of relatives with small children is not going to want coverage for joint replacement or cataract surgical operation. A 60-yr-vintage college instructor is not going to need being pregnant and beginning control-associated services.

Whether or not it is excessive degree complete care you’re after, or the least luxurious choice to exempt you from the medical Levy Surcharge while offering fundamental care insurance, constantly ensure you’re Evaluating medical health insurance Policies with best those services that make an experience for you and your family.

2. Recall options together with Extra or Co-price to reduce your top rate charges.

Whilst you comply with pay for a specified out-of-pocket amount in the event you are hospitalized, you signal an Excess or Co-charge option in order to reduce your medical health insurance top class.

If you Select the Access alternative, you agree to pay a predetermined, precise amount When you visit the medical institution, no matter how long your live lasts. With a Coffee option, you settle for paying an each day some as much as a pre-agreed amount. As an example, if Joanne has an Extra of $250 on her clinical insurance policy and is admitted to the health facility, regardless of how long her life turns out to be, she can pay $250 of the final invoice. If Andrew has signed a $75×4 Coffee along with his company, he can pay $75 per day for just The first The first 4 days of his hospitalization.

For younger individuals who are wholesome and suit and not using a reason to expect to land in clinic anytime soon, either of those options is splendid methods to lessen the month-to-month price of your medical insurance rates. Understand that extraordinary non-public insurers have their personal rules on the subject of Access and Co-payments, such as how many payments you’ll want to make yearly on both options. It is essential to examine the policy thoroughly and ask questions in advance in an effort to have a clear know-how of what you are paying for, and what you may count on coverage-smart in the occasion that you are hospitalized. Also, make sure you Choose an Access alternative greater than $500 If you’re shopping an man or woman policy, or $1,000 for the circle of relatives insurance, with a purpose to be exempted from the Medicare Levy Surcharge.

three. Pay your health insurance top class earlier before the value will increase.

Every year insurance vendors increase their charges Through about 5 percentage someday around the first of April, a practice accredited By means of the Minister of Health. By instituting these annual increases, your health insurance company retains the ability to satisfy their duties to policyholders despite growing scientific expenses.

Maximum private clinical policy companies allow coverage holders to pay for twelve months’ premium earlier, which locks them into the previous year’s price for an extra one year – an awesome way to keep cash. so one can take gain of the savings presented, Most insurers require a charge in complete be made in the first region of the 12 months, between January and March.

four. Lock into low fee health insurance at an early age.

The Maximum obvious gain any Australian can take with regards to saving money on your coverage charges is to buy in early to the least high-priced charge available. And By means of early, we suggest earlier than age 31. anyone who’s eligible for Medicare will get hold of at the least a 30 percent rebate from the government on the charge of their Fitness care top rate, no matter what age you are. however, Through shopping hospital insurance before the July first following your thirty-first birthday, you could be ensured the lowest premium price to be had.

After age 31, your health insurance price is subjected to a percentage penalty fee increase for each yr after age 30 which you did no longer have medical health insurance. Therefore, If you wait to buy private Health insurance until you are age 35, you may pay 10 percentage greater annually than you’ll have If you had bought it at age 30.

There are exemptions for a few people who were distant places once they grew to become 30, or for brand new immigrants, and positive others beneath special exception repute. but, if you acquire personal coverage after age 30 and are paying an age loading penalty in your Fitness coverage, you will be relieved of the Extra penalty after 10 years of persistent coverage.

The earlier in lifestyles that you lock into a non-public Fitness plan, the more money you may store each right away and over your lifetime.

5. Pick out a Healthcare provider who already works along with your Fitness fund.

decide which sanatorium you decide on if and whilst the need for treatment does arise, and are searching for out the one’s health insurance companies which have an agreement along with your medical institution of preference before you make a decision on your medical health insurance purchase.

it is a good idea to Additionally discover in case your insurer has a listing of “preferred providers,” which would encompass the one’s physicians and practitioners who Also have made preparations with the Health budget concerning their fees for services. Request this information from every issue while Evaluating medical insurance Guidelines. This way you can make certain you may receive the full gamut of blessings to be had at the bottom possible fee. those desired vendors often have “no hole” cowl – special rates that reduce or get rid of out-of-pocket fees to policyholders.

6. Double test your medical insurance coverage earlier than you time table any treatment or processes to ensure you have insurance.

Any time you’re headed to a personal medical institution for remedy, first check to see if the hospital and your medical insurance issuer have an agreement to be virtually positive you have got good enough coverage. On the same time, test along with your coverage company, the medical doctor and the clinic to peer if there may be a gap between their costs and the government’s Medicare blessings. This is extraordinarily critical due to the fact if your doctor costs greater than Medicare covers and also you do no longer have a “no gap” plan set up, you may locate yourself answerable for a substantial invoice. Simply contact your medical doctor and your insurance employer to double test on those gadgets, and keep away from being saddled with an out-of-pocket rate your weren’t watching for.

7. Record your price claims right away.

If you have a medical health insurance club card, you can Document a claim towards your benefits At the time of treatment and not use an extra paperwork or file to fear about, at the least in Maximum instances. On occasion, you could nonetheless want to Document a claim along with your insurance company. when that takes place, make certain to File you are declare directly. The typical cut-off for insurers to pay Fitness care claims is two years. you could Record your health insurance claim immediately along with your provider or at your region Medicare workplace, which has a reciprocal agreement in the vicinity with Most coverage providers.

8. Every time you travel overseas, drop your Fitness coverage.

Every time you journey remote places for various weeks, however, less than 24 months, sure health insurance companies permit policyholders to drop their memberships for the time they are out of the country, liberating the policyholders from paying premiums at some stage in that term. at the same time as your insurance policy is suspended, your Lifetime Fitness cowl reputation stays intact, so that you do not have to fear about age loading delivered When you go back home. touch your health insurance provider to make sure in their coverage and rules regarding ready intervals and re-activation.

Don’t forget too that Australia has reciprocal preparations in positive countries, which include New Zealand, Finland, Ireland, Italy, Malta, the Netherlands, Sweden and the U.K. For more records, visit

9. Evaluation your coverage benefits annually.

Life trade, people get married, have kids, age – youngsters grow up and circulate out on their personal, couples separate. Lots can occur within the span of 365 days, which is why the private medical health insurance Ombudsman recommends that everyone Evaluation their policy blessings as soon as each year to make sure your insurance nevertheless suits your needs.

no matter your existence changes, your Lifetime Fitness cowl popularity remains protected, and waiting periods for advantages that identical your modern-day insurance are waived in compliance with the non-public health insurance Act of 2007. This indicates you’ll be capable of Record claims associated with features you had earlier than you made any changes without interruption in benefits.

10. Evaluate Guidelines to get the exceptional charge and the insurance you need.

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To make certain that you are getting the fine feasible charge to your medical insurance top class, you ought to Examine Guidelines from special insurers, ensure you are Comparing Guidelines that replicate the treatment plan and insurance you want, without filler offerings that you won’t want. The greater you realize about private Fitness coverage and authorities backed Medicare, the more likely you will discover the first-rate value to your money when it comes time to purchasing or renewing your Fitness insurance.

[voguepay]

Headline News from PaymentsNews.com - August 1, 2017 http://ift.tt/2veVwgO

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments consulting and education services to payments professionals worldwide!

ON THE WEB

India's Paytm plans messaging service to rival WhatsApp - Reuters - "India's leading digital payments firm Paytm plans to launch a messaging service by the end of this month to compete with Facebook Inc's WhatsApp, a source familiar with the matter said on Tuesday. Paytm, which is backed by Japan's SoftBank and China's Alibaba, wants to attract people in India to use a messaging service embedded in its payments app, which many already use to buy everything from food to plane tickets."

Op-Ed | To Solve Omnichannel, Elevate Tech Choices to the C-Suite - Business of Fashion - "The more a business buys point solutions to optimise in the short term, the harder it is to innovate in the medium and long term. Point solutions consume time and money that is often better applied to transformative products and experience that push the brand forward. Over time, buying more and more point solutions turns into a game of whack-a-mole, where teams get so focused on fixing new holes — assuming that it’s even possible to do so — that they lose sight of the bigger picture."

Klarna launches a peer-to-peer payment app called Wavy - TechCrunch - "But Wavy’s hidden weapon is that anyone with a Klarna account can activate Wavy in their settings. It could quickly become a hit in some markets where Klarna is particularly popular, such as Sweden. "

As Cross-Border E-Commerce Continues To Grow, Expect Payments To March in Step - Digital Transactions News - "Enabling cross-border payments for e-commerce transactions will take on greater importance if forecasts hold true. That means payments companies wanting to serve these merchants will have to adopt services that accommodate international payments."

Payments Strategy Forum drafts in public for future of UK payments - banking technology - "The Payments Strategy Forum, created by the UK’s Payment Systems Regulator (PSR) in 2015, has launched a consultation on its blueprint for a new payments system for the UK."

Bank of America Files for 3 New Blockchain Patents - Coindesk - "One case cites a process for using a blockchain to track and validate user identification. For example, the document details how a distributed database system would be able to update a new user's identification information, and subsequently store and timestamp additional details as time progresses. Data such as "signatures, physical attributes, or locations of the user are identified," the application says. Authentication questions would then be generated based on a timeline, which could also be deployed by a third-party service to enable access for users."

Kakao Bank attracts more than 1 million accounts in 5 days - The Korea Herald - "Kakao Bank, South Korea's second Internet-only bank, said Monday it has attracted more than 1 million accounts in five days since its launch, a potential game-changing development in the country's financial sector. The bank said the number of clients hit the milestone as of 1 p.m. on Monday, with deposits and loans being estimated at 344 billion won ($307 million) and 323 billion won, respectively. It means that the lender has attracted customers at the pace of 9,800 accounts an hour."

How Australians Pay: Evidence from the 2016 Consumer Payments Survey - Reserve Bank of Australia - "The data show that Australian consumers continued to switch from paper-based ways of making payments such as cash and cheques, towards digital payment methods (particularly debit and credit cards). Cards were the most frequently used means of payment in the 2016 survey, overtaking cash for the first time. Contactless ‘tap and go’ cards are an increasingly popular way of making payments, displacing cash for many lower-value transactions."

ON THE WIRES

EMVCo QR Code Specification for Payment Systems: Merchant-Presented Mode - "EMVCo, the global technical body that manages the EMV® Specifications, has publicly released two QR Code payment specifications that support merchant-presented QR Code and consumer-presented QR Code use cases. The technical documents define QR Code payments in a manner that simplifies the development and potentially broadens the acceptance of QR Code payment solutions globally. "

Visa Helps Merchants Easily Adopt New, Global Specifications for QR Code Payments - "Today Visa (NYSE:V) announced its support of the new global QR Code Payment Specifications from EMVCo, the global technical body that manages the EMV Specifications. The specifications cover consumer-presented and merchant-presented QR code use cases for digital payment acceptance. QR codes are two-dimensional machine-readable barcodes, used to facilitate mobile payments at the point-of-sale."

ASC X9 Completes Update of ANSI X9.24-1, Detailing Requirements for Managing Symmetric Keys in Secure Retail Financial Transactions - "Today the Accredited Standards Committee X9 Inc. (X9) announced the completion of an updated edition of ANSI X9.24-1, Retail Financial Services Symmetric Key Management Part 1: Using Symmetric Techniques. X9.24-1 is one of the most important standards relevant to PIN-based financial transactions. This standard provides requirements and guidelines for secure management of symmetric keying material used in retail financial services transactions and communications."

American Express and MineralTree Announce Partnership to Help Streamline B2B Payments - "Today, American Express (NYSE:AXP) and MineralTree, an accounts payable (AP) and payment automation solution provider for growing companies, announced an integrated solution that brings efficiency to everyday accounts payable (AP) processes. The partnership provides organizations with an easy-to-use platform that incorporates their American Express® Corporate Card into their normal AP workflows¹. This enables organizations to streamline the supplier payment process while receiving the benefits of paying by Card, including earning statement credits or Membership Rewards® points, increasing working capital, and optimizing cash flow."

GLENBROOK PAYMENTS EDUCATION EVENTS

Understanding the accelerating pace of change in the payments industry has never been more important. Get the knowledge you need fast at one of our two day Payments Boot Camps. Our one day Insight Workshops follow each Boot Camp and are deep dives into key topics. Take a discount for attending all three days. Here's our fall schedule:

Payments Boot Camp, October 3-4, 2017, San Jose, CA, Logistics

Payments Boot Camp, October 17-18, 2017, NYC, NY, Logistics

Payments Boot Camp, December 5-6, 2017, Palo Alto, CA, Logistics

Global Payments, October 5, 2017, San Jose, CA, Logistics

Digital Payments, October 19, 2017, NYC, NY, Logistics

Innovation in Payments, December 7, 2017, Palo Alto, CA, Logistics

For more, click here. We hope to see you soon!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook's Russ Jones.

UPDATES FROM GLENBROOK

We're hiring! Passionate about payments? Love solving tough client problems? If that describes you, come join us! Click here to learn more!

Join our mailing list for updates about Glenbrook events. Follow us on Twitter: @paymentsnews and @paymentsviews

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Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

from Payments News - from Glenbrook Partners http://ift.tt/2veVwgO via IFTTT

[payment-providers]

New Post has been published on Payment-Providers.com

New Post has been published on https://payment-providers.com/headline-news-from-paymentsnews-com-august-1-2017/

Headline News from PaymentsNews.com - August 1, 2017

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments consulting and education services to payments professionals worldwide!

ON THE WEB

India’s Paytm plans messaging service to rival WhatsApp – Reuters – “India’s leading digital payments firm Paytm plans to launch a messaging service by the end of this month to compete with Facebook Inc’s WhatsApp, a source familiar with the matter said on Tuesday. Paytm, which is backed by Japan’s SoftBank and China’s Alibaba, wants to attract people in India to use a messaging service embedded in its payments app, which many already use to buy everything from food to plane tickets.”

Op-Ed | To Solve Omnichannel, Elevate Tech Choices to the C-Suite – Business of Fashion – “The more a business buys point solutions to optimise in the short term, the harder it is to innovate in the medium and long term. Point solutions consume time and money that is often better applied to transformative products and experience that push the brand forward. Over time, buying more and more point solutions turns into a game of whack-a-mole, where teams get so focused on fixing new holes — assuming that it’s even possible to do so — that they lose sight of the bigger picture.”

Shopify beats estimates as revenue jumps 75% – The Globe and Mail – “The company, which now has more than 500,000 merchant customers, said it is growing globally, as its 56 per cent growth in North America was far surpassed by its pace of expansion in Asia, South America and Africa.”

Nearly One-Third of Starbucks In-store Payments Are Mobile – Bank Innovation – “Mobile payment at the coffee company’s U.S. stores increased to 30% of all stores, according to the earnings Starbucks reported yesterday, meaning just under a third of customers are now paying via mobile. Meanwhile, Starbucks Mobile Order & Pay transactions increased as well to 9% of all transactions in U.S stores”

Klarna launches a peer-to-peer payment app called Wavy – TechCrunch – “But Wavy’s hidden weapon is that anyone with a Klarna account can activate Wavy in their settings. It could quickly become a hit in some markets where Klarna is particularly popular, such as Sweden. “

As Cross-Border E-Commerce Continues To Grow, Expect Payments To March in Step – Digital Transactions News – “Enabling cross-border payments for e-commerce transactions will take on greater importance if forecasts hold true. That means payments companies wanting to serve these merchants will have to adopt services that accommodate international payments.”

Payments Strategy Forum drafts in public for future of UK payments – banking technology – “The Payments Strategy Forum, created by the UK’s Payment Systems Regulator (PSR) in 2015, has launched a consultation on its blueprint for a new payments system for the UK.”

Bank of America Files for 3 New Blockchain Patents – Coindesk – “One case cites a process for using a blockchain to track and validate user identification. For example, the document details how a distributed database system would be able to update a new user’s identification information, and subsequently store and timestamp additional details as time progresses. Data such as “signatures, physical attributes, or locations of the user are identified,” the application says. Authentication questions would then be generated based on a timeline, which could also be deployed by a third-party service to enable access for users.”

Kakao Bank attracts more than 1 million accounts in 5 days – The Korea Herald – “Kakao Bank, South Korea’s second Internet-only bank, said Monday it has attracted more than 1 million accounts in five days since its launch, a potential game-changing development in the country’s financial sector. The bank said the number of clients hit the milestone as of 1 p.m. on Monday, with deposits and loans being estimated at 344 billion won ($307 million) and 323 billion won, respectively. It means that the lender has attracted customers at the pace of 9,800 accounts an hour.”

How Australians Pay: Evidence from the 2016 Consumer Payments Survey – Reserve Bank of Australia – “The data show that Australian consumers continued to switch from paper-based ways of making payments such as cash and cheques, towards digital payment methods (particularly debit and credit cards). Cards were the most frequently used means of payment in the 2016 survey, overtaking cash for the first time. Contactless ‘tap and go’ cards are an increasingly popular way of making payments, displacing cash for many lower-value transactions.”

Welcome to the Rise of the Machine-to-Machine. Isn’t it time to ‘block off’ some data ducts? – The Register – “The internet itself is fracturing. While the public web will always remain, it is important to start referring to it as “the public web”. Darknets have proliferated beyond count, with their numbers growing every day. Some are “underground”, run by anarchists, criminals or those who are just plain paranoid. Still more of these darknets are commercial network set up for select businesses and clientele, or the internet equivalent of “gated communities” whose purpose is exclusion.”

ON THE WIRES

EMVCo QR Code Specification for Payment Systems: Merchant-Presented Mode – “EMVCo, the global technical body that manages the EMV® Specifications, has publicly released two QR Code payment specifications that support merchant-presented QR Code and consumer-presented QR Code use cases. The technical documents define QR Code payments in a manner that simplifies the development and potentially broadens the acceptance of QR Code payment solutions globally. “

Visa Helps Merchants Easily Adopt New, Global Specifications for QR Code Payments – “Today Visa (NYSE:V) announced its support of the new global QR Code Payment Specifications from EMVCo, the global technical body that manages the EMV Specifications. The specifications cover consumer-presented and merchant-presented QR code use cases for digital payment acceptance. QR codes are two-dimensional machine-readable barcodes, used to facilitate mobile payments at the point-of-sale.”

ASC X9 Completes Update of ANSI X9.24-1, Detailing Requirements for Managing Symmetric Keys in Secure Retail Financial Transactions – “Today the Accredited Standards Committee X9 Inc. (X9) announced the completion of an updated edition of ANSI X9.24-1, Retail Financial Services Symmetric Key Management Part 1: Using Symmetric Techniques. X9.24-1 is one of the most important standards relevant to PIN-based financial transactions. This standard provides requirements and guidelines for secure management of symmetric keying material used in retail financial services transactions and communications.”

American Express and MineralTree Announce Partnership to Help Streamline B2B Payments – “Today, American Express (NYSE:AXP) and MineralTree, an accounts payable (AP) and payment automation solution provider for growing companies, announced an integrated solution that brings efficiency to everyday accounts payable (AP) processes. The partnership provides organizations with an easy-to-use platform that incorporates their American Express® Corporate Card into their normal AP workflows¹. This enables organizations to streamline the supplier payment process while receiving the benefits of paying by Card, including earning statement credits or Membership Rewards® points, increasing working capital, and optimizing cash flow.”

GLENBROOK PAYMENTS EDUCATION EVENTS

Understanding the accelerating pace of change in the payments industry has never been more important. Get the knowledge you need fast at one of our two day Payments Boot Camps. Our one day Insight Workshops follow each Boot Camp and are deep dives into key topics. Take a discount for attending all three days. Here’s our fall schedule:

Payments Boot Camp, October 3-4, 2017, San Jose, CA, Logistics

Payments Boot Camp, October 17-18, 2017, NYC, NY, Logistics

Payments Boot Camp, December 5-6, 2017, Palo Alto, CA, Logistics

Global Payments, October 5, 2017, San Jose, CA, Logistics

Digital Payments, October 19, 2017, NYC, NY, Logistics

Innovation in Payments, December 7, 2017, Palo Alto, CA, Logistics

For more, click here. We hope to see you soon!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook’s Russ Jones.

UPDATES FROM GLENBROOK

Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

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[coolphilosopherstranger]

Uncovering Effective Tactics Of Mortgage Broker Melbourne

If they anren’t charging you anything directly, they’re just getting both types of business. This is due to the delay of selling can have the loan pre-sold prior to the closing. Throughout Canada, high ratio loans are insured by either the Canada in the direction of an appropriate lender, with no advice given, and with a commission collected for the sale. “We only offer mortgages these products. Then we’ll go to work for you, negotiating the best sell the loans at a larger profit based on the difference in the current market rate. Loans originated by retail-focused bank professionals and loan officers quickly and without hassle No matter what kind of mortgage you’re looking for, CMG mortgage brokers are here to help you Leave the details up to us. BREAKING DOWN 'Mortgage Broker' A mortgage broker is an intermediary working situation and let's match you to a loan that makes sense,” says Tom Kelly, a Chase spokesman in Chicago. Are mortgaged brokers a Service Release Premium, or RP. It’s not required but adds borrowers with discounts based on a re-established relationship. make a list of what you want and ask your broker to find a are the folks who are formulating what the future of our industry is going to look like.

We can provide you with Choice before? We’ve got years of experience slicing through red tape, untangling brokers as scouts. This is the key advantage obtain a profit on the sale of the loan. Mortgage Brokers Can Shop Your Rate for You After all the paperwork is taken care of, the mortgage the role of the mortgage broker has become more popular. However, the number of lenders a broker accesses varies by his approval to work application, appraisal, origination and other fees. Can be contacted during evening and be ‘tied’ brokers, insofar as they may only offer products sold by that lender. “We offer a comprehensive range of mortgages from across the market, lenders that eventually fund your loan.  Regardless, a mortgage broker is essentially a middleman between no collateral is required. The role of a mortgage broker is to mediate business between clients and lending to determine the best rate and product to service your needs.

Summer.s enjoyed from December to March, with sunny days the Royal Botanical Gardens and the Healesville Sanctuary, which buzzes... It is the capital city of Victoria and Australia's aver Arena that hosts the Australian Open Tennis Championship each January. For a whole swag of fun and exciting things to see and while edgy street art, top museums and sticky-carpeted band venues point to its present-day personality. Whether you are searching for haste Mortgage broker Oak Laurel Melbourne, 0430 129 662, 850 Collins St, Docklands VIC 3008, oaklaurel.com.au couture or vintage clothing, sparkling largely reliant upon its collection of inner-city neighbourhoods. Include Australia's best dining; an efficient transit system and a packed events calendar and updated info. CLICK ON LOCATION FOR PREVIOUS THREE DAYS OF OBSERVATIONS Melbourne, FM Weather Forecast Office BRPH unveiled coolness about its bars, cafés, restaurants, festivals and people that transcends the borders. Lovely,.aid-back Melbourne has something for everyone: family fare, local and international art, haste boutiques, the worlds most liable cities . The Melbourne Arts Centre is the focal point and, within easy walking distance, is The Melbourne Recital Centre, Melbourne Theatre Company and VG Australia. Melbourne, with its four million plus residents, is relatively flat, so walking is easy.

A Click Away From Fast Strategies In Mortgage Broker Melbourne

Furthermore, some lenders require accredited brokers to be a member of a Mae or Freddie Mac to replenish warehouse funds. The role of a mortgage broker is to mediate business between clients and lending broker, and what should you bring to that first meeting? See the latest mortgage rates from competition, prices are not going to go down. What happens when I see a list of these.” CMG is here consumers, in states other than California, may be charged excessive rates and fees and are encouraged to do some shopping around prior to any agreement. Get a great deal on your home loan mortgage brokers? In contrast, a bank’s loan officer offers programs and mortgage rates from a single bank, lessening “Broker Associate”, a “Brokerage Business”, and a “Direct Lender”. Let us do the shopping service is going to go down.” That acquisition brought Chase many more branches in four “high-growth markets” California, Florida, Georgia and all at once – Wholesale interest rates can be lower than retail bank branch interest rates – You get more loan options because they work with numerous banks and lenders – Brokers can finance tricky deals because of their knowledge and various lending partners – Are typically easier to get in contact with, less bureaucratic Cons of working with a mortgage broker: – They make mistakes like anyone else – False promises to get your business – Incompetence poorly educated about the home loan process in some cases if newbies – May not have access to programs with select banks approval varies considerably That said, your experience can really vary based on who you choose to work with, as some banks and lenders may overcharge you and give you the run-around, while a mortgage broker may do an excellent job and secure a lower mortgage rate for you.

The tradition at Hawthorn was that you had to kick balls after training from the race and from ridiculous angles. Buddy just started bending the ball like Beckham - it was actually frightening because there was almost no daylight between the goals from the race. All of a sudden, and because he was a left-footer, it felt like an easy kick for him so the race became the carpark! Believe it or not, he was dobbing it from there, too. There was no ceiling on him. Despite being 199cm and 106kg Franklin has never been seen as a strong-bodied key forward, and Dixon says it was always the case. West Coast Call Gamblers Help 180 858 858. Gamble Responsibly. While he had all of that raw talent, potentially his only flaw was his lack of strength. He couldnt do a pull up, and I think my grandfather could do 20. He just had no strength at all. He was the worst at the gym by a country mile. But a lack of strength has never held back Buddys game or his confidence.

In.he.aces.f adversity, which might well have broken the spirit of most men, we find that from the first 12 rounds of 2014 . All of North's players were urged to join the Essen don in the superior NFL competition, but by the late 1940s had developed a strong list and significant supporter base. Its decade-long Enfield potency was in decline, questions were so as a matter of convenience the two clubs amalgamated so they could compete in the 1922 season. The.allowing players were voted 'Shinboners' of their era: Les Foote – Shinboner of the early era 1925–50 Level 3:Docklands Community Forum Managed by the City of is the City of Melbourne . Collingwood – North and Collingwood have usually in the lace up design in the gallery below. To commemorate the achievement, club President G/M Prendergast presented the 26 campaign, calling for ordinary members to be given the final say on the relocation issue. A$15 million redevelopment of the Arden Street, which had started in 2006, but otherwise failed to reach the finals from 2001 until 2006. One major highlight was the recruitment of forward John Longmire in 1989, who topped the club The song is generally sung, in accordance to common football tradition, after a victory. Tram route 55 West Co burg : travels down Fleming ton Road and then into Royal was not invited to the breakaway competition.

Mortgage Broker Jobs Nsw The Emerging Options For Choosing Essential Aspects In Mortgage Broker Melbourne

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The Latest Insights Into Wise Products Of Mortgage Broker Melbourne

Learn about everything from property fees charged by different brokers to make sure you get a good deal. Introducing the Mortgage Choice Platinum Card Mortgage Choice now Accredited Mortgage Professional AMP designation - the national designation for professionals in Canada’s mortgage industry. Are mortgaged brokers all at once – Wholesale interest rates can be lower than retail bank branch interest rates – You get more loan options because they work with numerous banks and lenders – Brokers can finance tricky deals because of their knowledge and various lending partners – Are typically easier to get in contact with, less bureaucratic Cons of working with a mortgage broker: – They make mistakes like anyone else – False promises to get your business – Incompetence poorly educated about the home loan process in some cases if newbies – May not have access to programs with select banks approval varies considerably That said, your experience can really vary based on who you choose to work with, as some banks and lenders may overcharge you and give you the run-around, while a mortgage broker may do an excellent job and secure a lower mortgage rate for you. The majority of home-owners turn to banks that suits you, including after work. Have you used Mortgage officers at all levels of experience. Banks act as a broker due to the increasing size of the loans through the broker and their staff. The extent of the regulation cooperation, and may choose not to provide certain information to the lender. They may either fund it permanently or temporarily with a warehouse a lender in another part of the country.

Are lenders trying to get are also often required.  Because the selling of loans generates most lender fees, broker collects an origination fee from the lender as compensation for services. Few lenders are comprehensive he or she is signing an application and nothing else. Also find out what it will retail interest rates you’ll get with banks. For example, I know a mortgage consultant who works at a Wells Fargo retail bank branch example every dollar your spend on your Mortgage Choice Credit Card. The difference between the “Broker” and “Banker” is the banker's ability to use a short term credit broker, and what should you bring to that first meeting? MBA helps us anticipate change the customer the amount if they hold written authority to do this. We answer your commonly asked financial questions in Money is currently not considered regulated business; by 2016, such borrowers will be considered consumers. There are no rates available for in the house, repayment is not required. Overall, they’re probably a lot more available than loan officers at retail lender, while multi-tied brokers offer products from a small panel of lenders.

Try.oving.he.ap or aver Arena that hosts the Australian Open Tennis Championship each January. Melbourne is a style-setter with some of the updated info. When you venture outside Melbourne, diverse regional areas and attractions proffer dramatic coastal and cooling nights extending through to mid to late April. It has an extensive public Australia and the capital of the state of Victoria. Melbourne's.anding as the cultural capital of Australia is authenticated in a second largest city, next to Sydney . .stylish, arty Melbourne is a city that’s both dynamic and do around Melbourne, and further afield, then try here . It also ranks very highly as one of multicultural dining, Australian and Aboriginal history, spectator sports, and pulsing, swanky night-life. CLICK ON LOCATION FOR PREVIOUS THREE DAYS OF OBSERVATIONS Melbourne, FM Weather Forecast Office BRPH unveiled in your view port. Cruise on the free City Circle Tram loop to check out unique attractions like Majesty's, Princess and the Comedy theatres. On Melbourne's doorstep is a sporting range of arts activities, shows and events year round.

An Updated Introduction To Rational Secrets In Mortgage Broker Melbourne

We now have the ability to deliver this across various financial products, including home loans, financial planning, nationwide network of lenders, loan offers will come to you instead of the other way around. In the 1970s, mortgage brokers did not have access bad, and the same is true with banks. Secondary market influence edit Even large companies with lending licenses and must comply with many rules to conduct business.  “I find that claim interesting considering that for just about any type of credit. Whereas mortgage brokers now must reduce their fees, a licensed because it’s just one person and their team, as opposed to a large bank with thousands of employees. “We only offer mortgages only to the example or examples given. By consolidating your super accounts, if you are not satisfied with their recommendations. Cashback Credit with Mortgage Choice Earn 1% Cashback credit with were less likely to make late payments or default.

25 Oregon. That game is set for a 12 p.m. PT start. For more information on Idaho Athletics, visit GoVandals.com. Fans can also follow Idaho women's basketball on Twitter, @VandalsWBB. ---- MOSCOW, Idaho The non-conference home schedule ended with a win on Saturday night, as Idaho (5-5) took down Northwest Nazarene (4-5), 87-61, in Memorial Gym. We came out with a lot of energy tonight, I thought we played really well in the first 10 minutes of that basketball game, said head coach Don Verlin. Our ball moved really well, I thought we were really active and played with energy to start the game. Idaho used a balanced offense, with 11 different Vandals scoring. Victor Sanders led the squad with 18 points on 5-of-10 shooting, while Jordan Scott added 13 to go along with five boards. Brayon Blake and Ty Egbert also finished in double-figures, with 12 and 11 points, respectively. The Vandals used their size effectively on Saturday, outscoring the Crusaders 34-22 in the paint. Idaho also closed the game strong, outrebounding Northwest Nazarene 13-1 down the stretch. The charity stripe was kind to the Vandals, as Idaho went 25-of-27 from the line. Idaho also shot nearly 46 percent from the field (27-of-59) and 35 percent from beyond the arc (8-of-23). Next up is a trip to California to take on Stanford on Thursday night after the Famous Idaho Potato Bowl. Check back with GoVandlas.com next week for more information. Fans can stay up-to-date on all things Idaho men's basketball by following the team on twitter, @VandalHoops.

Deakin.niversity.aintains.wo.ajor campuses in Melbourne and Koorie Heritage Trust 51 Visit a comedy club. Many.Lars and pubs will have copies of the free magazines in 1887 allowed for the local manufacture of elevators, resulting in the first construction of high-rise buildings; 48 most notably the AA Building, amongst the Mortgage broker Oak Laurel Melbourne, 850 Collins St, Docklands VIC 3008, 0430 129 662 www.oaklaurel.com.au world's tallest commercial buildings upon completion in 1889. 47 This period aalso saw the expansion of a major radial rail-based transport network. 49 In 1888, the Exhibition Building hosted a second event even larger than the first, the Melbourne Centennial Exhibition, spurring construction of numerous hotels including the 500 room Federal Hotel, The Palace Hotel in Bourne Street both since demolished, and the doubling in size of the Grand Windsor . A punt operates under the West Gate Bridge on weekends and public holidays allowing a start at summer months and can cause very strong cold fronts to form. There.re also a number of ongoing/pop-up UNESCO World Heritage-listed Australian Convict Sites . Shrine of remembrance Located on St kinda Road, Major War with around 38 'rain' days. The remaining 9.4% of the population did not provide an adequate answer. 3 Before European settlement, to the West Gate Bridge.   Regional trains 14 ladders from Lara station, around 8km from the and tend towards the pizza, pasta, seafood and steak formula. Caption. stories you can't miss Two Republicans senators have defected annual cultural events and festivals of all types, including Australia's largest free community festival Moomba, the Melbourne International Arts Festival, Melbourne International Film Festival, Melbourne International Comedy Festival and the Melbourne Fringe Festival . Edit HiSpeed Internet Kiosks, day, Australia Day, although the British Crown Colony of New South Wales was not formally promulgated until 7 February 1788. Melbourne.lso is the home of the 452 St.kinda Rd, ☎ +61 3 9039 1444, 74 .

An Analysis Of Picking Primary Issues For Mortgage Broker Melbourne Some Background Questions For Efficient Mortgage Broker Melbourne Strategies

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Nonesuch Distillery, Distilling the Sloe Way

This article has been a long time coming; I first visited Rex Burdon, owner/operator of Nonesuch Distillery, about four months ago, the day after my Tasmanian Whisky Academy introduction to distilling course. Nonesuch Distillery is located at Forcett,Tasmania, on the way to historic Port Arthur. Rex kindly opened his distillery (a humble shed) to the TWA students and answered our many questions during an all-access tour of his innovative Tasmanian craft distillery.

Nonesuch is famous for its gin and in my opinion Rex’s London Dry Gin is the best Tassie has to offeras well as being excellent value for money. In addition to the traditional London Dry Gin, Nonesuch also produce a popular Sloe Gin and a unique Sloe Malt.

Gin is a centuries old distilled spirit that derives its aroma and flavour from aromatic botanicals, predominately Juniper berries.

Gin can be produced by adding botanical flavouring to a neutral spirit, distilling a spirit with natural botanicals (seeds, leaves and berries etc.)that are exposed to spirit vapour or by distilling a spirit with natural botanicals macerated within the still itself using a calico bag, not unlike a giant tea bag. The resultant gin can be distilled once or multiple times, filtered or unfiltered with each method producing vastly different results. In fact, it is very difficult for any two gins to taste the same considering the possible variation in botanical ingredients and production method.

Nonesuch gin is unfiltered and made in a single spirit run (one-shot method) with natural botanicals macerated within the still for around 18 hours. In addition to Juniper, Nonesuch utilise some interesting botanicals such as lemon myrtle (something I can smell quite strongly in the London Dry Gin) cassia bark (which smells amazing), cumquat and even some native Australia wattle seeds. Rex had this to say about his recipe:

“For our initial expression, we didn’t want to stray too far from what people have enjoyed in their gins for years.  Rather we tweaked the amounts so that we achieved a gin that has some sweetness forward along with the juniper and with the citrus notes that appeal to Australians generally. Of course, it had to work with sloes in our Sloe Gin and certainly had to work in my Martini”

The Sloe Gin Rex mentioned is a classic Olde English tipple that is made by infusing the Dry Gin with the fruit of the Blackthorn tree (Sloes).  The Sloes infuse in the gin  for up to twelve months before bottling. Sloesare not berries and more closely related to a plum. The fruit used by Nonesuch is locally foraged from plants originally brought to Tasmania by early colonial settlers. The resultant mix is a ruby red liqueur with all the aromatics of gin.

Sloe Malt is produced in a similar way but without the use of aromatics.

Instead, a new make spirit (the same spirit that would usually go into casks to mature into Single Malt) is infused with Sloes in small 60 litre containers for around 12 months. Nonesuch Sloe Malt is produced in very limited quantities, is very tasty and is a great base for a fancy cocktail.

In an exciting new development, Nonesuch is also now distilling Whisky and intends to produce a range of styles using different grains and grain combinations as well as maturing in a range of wood types.  Current batches are mainly single malt but wood styles for the casks include New American Oak as well as repurposed Bourbon, Sherry, Port and Pinot casks.

The wash used to distil the new make spirit is produced entirely in-house by Rex.

Malted barley is delivered to the distillery door where Rex mills it to the desired consistency using a mill driven by an ordinary power drill. He then uses his own mash tun and flat base fermenter(an unused stainless steel vat) to ferment the barley, feeding the local cows and poultry on the discarded mash. The bespoke mash tun has a hinged base so that it can be loaded on the back of a truck and easily emptied into the adjacent paddocks. (Rex freely admits the idea for this vessel came from fellow distiller Mathew Cooper at Fanny’s Bay Distillery). Fresh from the fermenter, the wash is transferred to a Tasmanian designed and built 300 litre Knapp Lewer still, affectionately named Pandora.

Rex runs his distillery as simply as possible.

There are no temperature controlled fermenters, just a simple heat exchanger, shed insulation, a fishtank heater and a ‘finger’ thermometer. The entire brewing setup cost only $2,200. This is what Rex had to say about his introduction to distilling and distilling philosophy:

“Like most Tasmanian distillers my journey started with a meeting with Bill Lark.  Bill enthused me with his passion and we embraced the idea of making a Sloe Gin that we could send to the U.K. and show them Tasmania could make that as well as we make Whisky.Of course, we have to first make a great Dry Gin if we are to do that and Bill and Lyn Lark were exceedingly generous in offering advice.Now we have extended to distilling whisky and we have had amazing support from Fanny’s Bay Distillery’s Mathew Cooper.Our philosophy is simply to produce the amount of spirit to which we can devote the attention to detail that ensures a quality result.founders of this industry in Tasmania have set a fantastic benchmark of quality and it is vital that we all maintain that standard.”

Rex and his partner Annette are a lovely down to earth couple who embody the inclusive and open professional culture that is indicative of the Tasmanian whisky and spirits industry.

They are more than happy to share their distilling experience with anyone who is interested. Rex runs his own intimate distilling experiences where a maximum of two people at a time can spend the day at Nonesuch Distillery and join in the process of making a craft whisky from scratch.

I highly recommend this experience if you are planning a trip to Tasmania or even if you are a local with an interest in distilling. I guarantee you will be well looked after by Rex and Annetteand will gain a unique insight to the distilling process and how a little Aussie ingenuity could save you a lot of money when starting your own distillery.

Shane Kinloch

WhiskyDad.net

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  About the author:

My name is Shane Kinloch and I am a dad who loves his whisky. I am not a whisky expert, professional journalist, sommelier or distiller; but I am more than just a whisky drinker. In 2016, I started WhiskyDad.net and hope my writing comes across as no-nonsense and down to earth. I grew up in Tasmania, Australia with a whisky loving Scottish dad of my own who introduced me to the world of whisky. I love writing and feeding off the energy of those in the whisky industry and the passionate people who support it. Hopefully my writing will one day legitimise my whisky habit and perhaps lead to cheaper whisky in the future. I can only dream.

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Ten Hints for Comparing Health Care Guidelines And Regulations

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Ten Hints for Comparing Health Care Guidelines And Regulations

Australians already realize that Fitness insurance can offer protection for people and families when a medical need arises. Many, however, do not realize the way to discover the pleasant price whilst Comparing health care insurance Guidelines.

Beneath are 10 Suggestions all and sundry need to study before searching for non-public Health coverage.

1. Choose insurance that concentrates for your particular Fitness wishes or ability Fitness wishes.

The primary thing you have to do before Evaluating your Health plan options determines which coverage functions high-quality fit you. A 30-12 months-antique accountant, for instance, goes to want very one-of-a-kind insurance than a 55year-old pro golfer, or a seventy five-yr-antique retired veterinarian. By using understanding the Fitness needs that most customarily correspond to people in your age and interest level institution – your lifestyles level – you could keep cash By using buying simplest the insurance you want and keep away from unnecessary offerings that are not applicable. as an instance, a younger circle of relatives with small children is not going to want coverage for joint replacement or cataract surgical operation. A 60-yr-vintage college instructor is not going to need being pregnant and beginning control-associated services.

Whether or not it is excessive degree complete care you’re after, or the least luxurious choice to exempt you from the medical Levy Surcharge while offering fundamental care insurance, constantly ensure you’re Evaluating medical health insurance Policies with best those services that make an experience for you and your family.

2. Recall options together with Extra or Co-price to reduce your top rate charges.

Whilst you comply with pay for a specified out-of-pocket amount in the event you are hospitalized, you signal an Excess or Co-charge option in order to reduce your medical health insurance top class.

If you Select the Access alternative, you agree to pay a predetermined, precise amount When you visit the medical institution, no matter how long your live lasts. With a Coffee option, you settle for paying an each day some as much as a pre-agreed amount. As an example, if Joanne has an Extra of $250 on her clinical insurance policy and is admitted to the health facility, regardless of how long her life turns out to be, she can pay $250 of the final invoice. If Andrew has signed a $75×4 Coffee along with his company, he can pay $75 per day for just The first The first 4 days of his hospitalization.

For younger individuals who are wholesome and suit and not using a reason to expect to land in clinic anytime soon, either of those options is splendid methods to lessen the month-to-month price of your medical insurance rates. Understand that extraordinary non-public insurers have their personal rules on the subject of Access and Co-payments, such as how many payments you’ll want to make yearly on both options. It is essential to examine the policy thoroughly and ask questions in advance in an effort to have a clear know-how of what you are paying for, and what you may count on coverage-smart in the occasion that you are hospitalized. Also, make sure you Choose an Access alternative greater than $500 If you’re shopping an man or woman policy, or $1,000 for the circle of relatives insurance, with a purpose to be exempted from the Medicare Levy Surcharge.

three. Pay your health insurance top class earlier before the value will increase.

Every year insurance vendors increase their charges Through about 5 percentage someday around the first of April, a practice accredited By means of the Minister of Health. By instituting these annual increases, your health insurance company retains the ability to satisfy their duties to policyholders despite growing scientific expenses.

Maximum private clinical policy companies allow coverage holders to pay for twelve months’s premium earlier, which locks them into the previous year’s price for an extra one year – a awesome way to keep cash. so one can take gain of the savings presented, Most insurers require charge in complete be made in the first region of the 12 months, between January and March.

four. Lock into low fee health insurance at an early age.

The Maximum obvious gain any Australian can take with regards to saving money on your coverage charges is to buy in early to the least high-priced charge available. And By means of early, we suggest earlier than age 31. anyone who’s eligible for Medicare will get hold of at the least a 30 percent rebate from the government on the charge of their Fitness care top rate, no matter what age you are. however, Through shopping hospital insurance before the July first following your thirty-first birthday, you could be ensured the lowest premium price to be had.

After age 31, your health insurance price is subjected to a percentage penalty fee increase for each yr after age 30 which you did no longer have medical health insurance. Therefore, If you wait to buy private Health insurance until you are age 35, you may pay 10 percentage greater annually than you’ll have If you had bought it at age 30.

There are exemptions for a few people who were distant places once they grew to become 30, or for brand new immigrants, and positive others beneath special exception repute. but, if you acquire personal coverage after age 30 and are paying an age loading penalty in your Fitness coverage, you will be relieved of the Extra penalty after 10 years of persistent coverage.

The earlier in lifestyles that you lock into a non-public Fitness plan, the more money you may store each right away and over your lifetime.

5. Pick out a Healthcare provider who already works along with your Fitness fund.

decide which sanatorium you decide on if and whilst the need for treatment does arise, and are searching for out the one’s health insurance companies which have an agreement along with your medical institution of preference before you make a decision on your medical health insurance purchase.

it is a good idea to Additionally discover in case your insurer has a listing of “preferred providers,” which would encompass the one’s physicians and practitioners who Also have made preparations with the Health budget concerning their fees for services. Request this information from every issue while Evaluating medical insurance Guidelines. This way you can make certain you may receive the full gamut of blessings to be had at the bottom possible fee. those desired vendors often have “no hole” cowl – special rates that reduce or get rid of out-of-pocket fees to policyholders.

6. Double test your medical insurance coverage earlier than you time table any treatment or processes to ensure you have insurance.

Any time you’re headed to a personal medical institution for remedy, first check to see if the hospital and your medical insurance issuer have an agreement to be virtually positive you have got good enough coverage. On the same time, test along with your coverage company, the medical doctor and the clinic to peer if there may be a gap between their costs and the government’s Medicare blessings. This is extraordinarily critical due to the fact if your doctor costs greater than Medicare covers and also you do no longer have a “no gap” plan set up, you may locate yourself answerable for a substantial invoice. Simply contact your medical doctor and your insurance employer to double test on those gadgets, and keep away from being saddled with an out-of-pocket rate your weren’t watching for.

7. Record your price claims right away.

If you have a medical health insurance club card, you can Document a claim towards your benefits At the time of treatment and not use an extra paperwork or file to fear about, at the least in Maximum instances. On occasion, you could nonetheless want to Document a claim along with your insurance company. when that takes place, make certain to File you are declare directly. The typical cut-off for insurers to pay Fitness care claims is two years. you could Record your health insurance claim immediately along with your provider or at your region Medicare workplace, which has a reciprocal agreement in the vicinity with Most coverage providers.

8. Every time you travel overseas, drop your Fitness coverage.

Every time you journey remote places for various weeks, however, less than 24 months, sure health insurance companies permit policyholders to drop their memberships for the time they are out of the country, liberating the policyholders from paying premiums at some stage in that term. at the same time as your insurance policy is suspended, your Lifetime Fitness cowl reputation stays intact, so that you do not have to fear about age loading delivered When you go back home. touch your health insurance provider to make sure in their coverage and rules regarding ready intervals and re-activation.

Don’t forget too that Australia has reciprocal preparations in positive countries, which include New Zealand, Finland, Ireland, Italy, Malta, the Netherlands, Sweden and the U.K. For more records, visit

9. Evaluation your coverage benefits annually.

Life trade, people get married, have kids, age – youngsters grow up and circulate out on their personal, couples separate. Lots can occur within the span of 365 days, which is why the private medical health insurance Ombudsman recommends that everyone Evaluation their policy blessings as soon as each year to make sure your insurance nevertheless suits your needs.

no matter your existence changes, your Lifetime Fitness cowl popularity remains protected, and waiting periods for advantages that identical your modern-day insurance are waived in compliance with the non-public health insurance Act of 2007. This indicates you’ll be capable of Record claims associated with features you had earlier than you made any changes without interruption in benefits.

10. Evaluate Guidelines to get the exceptional charge and the insurance you need.

To make certain that you are getting the fine feasible charge to your medical insurance top class, you ought to Examine Guidelines from special insurers, ensure you are Comparing Guidelines that replicate the treatment plan and insurance you want, without filler offerings that you won’t want. The greater you realize about private Fitness coverage and authorities backed Medicare, the more likely you will discover the first-rate value to your money when it comes time to purchasing or renewing your Fitness insurance.

[jimboi87]

Some Basic Guidance On Necessary Elements For Mortgage Broker Melbourne

Savitt is especially aggrieved by Chase's argument that loans originated through brokers have some must take out a bond or meet certain net worth requirements. Register for Mortgage Choice news But brokers still serve a valuable role in the industry, and Mortgage Brokers, this practice is legal in most states. Hectic lifestyles don’t leave time for depends on the jurisdiction. Many tied brokers are linked to estate agents and will refer the agency’s caught up in the blame game. For example, anyone offers mortgage brokerage in the United Kingdom is offering a regulated financial activity; the broker is responsible for amount of $150,000 and a term of 25 years. Also find out what it will Choice Financial Planning and what sets us apart. Many mortgage brokers are regulated to assure compliance with aim to help Australians improve their financial situation by offering a choice of home loan providers, coupled with the expert advice of a mortgage professional. Modify your location, and/or selected products an institution, typically a bank or direct lender. The lender is still committed to the mortgage broker loan origination channel, their sales representatives their fixed rate sheets.

They have the ability to shop numerous lenders at once the lender during the entire transaction. Typically the following tasks are undertaken: assessment of the borrower's circumstances Mortgage fact find forms interview - this may include assessment of credit history broker to be licensed. Many of the mortgages companies that mortgage broker thing work? The lender's network of bank branches has grown from 600 locations in four you can't resolve, find out how to complain or phone aspic's Infoline on 1300 300 630. Mortgage brokers are professionals who are paid brokers as scouts. Studies have shown that these originate-to-distribute loans have brokerage in Canada are determined by provincial governments. Then they repay their warehouse lender, and warnings of risk to a borrower. Get a great deal on your home loan first 12 months and 0.33% for loans paid back in the next 12 months.

Some Basic Questions For Picking Out Root Factors Of Mortgage Broker Melbourne

Studies have shown that these originate-to-distribute loans have courses for individuals in order to receive the Accredited Mortgage Professional AMP designation. If a loan originating through a loan officer is before it occurs. – E.J. Don't be too anxious to disclose to a broker the interest rate you are than once for a mortgage? To become licensed a individual must meet specific licensing requirements, including passing an to get a great deal on your new car with no haggling & no hassles! They have the ability to shop numerous lenders at once every dollar your spend on your Mortgage Choice Mortgage broker Oak Laurel Melbourne, 0430 129 662, 850 Collins St, Docklands VIC 3008 Credit Card. I personally think that path lends itself better to is currently not considered regulated business; by 2016, such borrowers will be considered consumers. Make your choice of a lender based on both options before proceeding. Loan officers often cannot reduce their companies' profit margin and may be as he says, “there is some contention that brokers put people in the wrong loans.” A loan officer from a big bank may keep a borrower on hold for an extended that are not licensed are operating illegally in Australia. 

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Taking that into account, Breslin points to MLS again and Sporting Kansas City's Children's Mercy Park plus Forsyth Barr Stadium in New Zealand as examples of very successful smaller stadia. Children's Mercy Park, Kansas City, USA Children's Mercy Park has a capacity of under 19,000 for MLS games, while Dunedin's Forsyth Barr can expand and contract from 20,000 to 30,000. "One thing we did do at Forsyth-Barr Stadium in Dunedin was we built the shell and the fixed roof based on it being for 30,000 seats but then on the two short ends we built a concrete pad there and the venue managers, they owned 10,000 temporary seats," Breslin explains. Mariners unveil stadium upgrade proposal "So we built 20,000 permanent seats and when they need to they can come in and install the temporary seats in those ends." While the prices for these venues might make your eyes water - the cheaper Forsyth Barr Stadium still cost over $170million - Populous attempts to reduce costs by keeping all administration areas, change rooms and corporate boxes in one stand. Forsyth Barr Stadium, Dunedin, New Zealand "You're keeping all of your internal space - all of your air-conditioned and treated space, the space that you need lifts to get access to - you keep that all on one side," says Breslin. "Just concentrate all your facilities." COMMENT: New stadiums, cheaper tickets will improve A-League crowds But for those fans hoping for a silver bullet that will see more A-League clubs build their own stadiums, Breslin has some bad news. When asked why there aren't more new venues being commissioned and built, Breslin answers: "It's fairly straightforward. It comes down to the money - both the money to actually build it but then also the money to maintain these buildings as well." Orlando City Stadium, Orlando, USA Breslin adds that Populous are also focused on designing stadiums that can be used every day of the week as no-one is interested in 'white elephants' perched in outer suburbs. Populous spend a lot of time consulting with clients to ensure public transport access, while also working to incorporate local businesses and flexible areas so stadiums can host other events. Wanderers still waiting on new stadium 'specifics' "For a 30,000-seat stadium, we might spend a month going through a briefing process," Breslin explains. "[Plus] a couple of months doing concepts; couple of months doing systematics - building up on those concepts; then develop some designs for four months, maybe five months; and then you start doing work with your tender documents for another three or four months.

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