choose from a range of the most effective charities.Many of the charities featured make apparently small changes but with impressive overall results. The website does the research and crunches the numbers to convince donors their dollars are bringing about real change. About $70 can buy a 10-minute sight-saving cataract surgery in Africa. Less than 50c gives one person in a developing country lifetime access to iodised salt, the lack of which can jeopardise children’s mental health and often their survival.“Giving to a really effective organisation adds 20 or 30 or even 50% to the value of your gift,” Singer says.

Singer says the most common excuse he hears for why people aren’t donating generously is “how do I know that the money will reach the people who need it?”

Ensure you have the signed offer in writing before declining your other options. Once you’ve made your decision, don’t look back. It’s been reported that to remain happy with your decision, you need to embrace it wholly. That means you should stop thinking of the job you have declined. Otherwise, you’ll end up focusing on the negative rather than positive of the job you’ve selected while imagining what you’ve missed out on. You’ve taken the time to choose well, so back yourself and your decision.

depending on prior experience and your stage of life, priorities will differ from one person to the next. When considering a job offer there is a multitude of things to weigh up. To name a few: career progression opportunities, job security, whether the work will be interesting and enjoyable, work-life balance, the future manager, team culture, commute times, and last but not least, salary. Write down everything important to you when it comes to work. Give each item a score out of ten for importance. Then give each job offer a score out of ten in each area. It’s surprising how much clarity this simple exercise can bring.

investment fundamentals will remain intact and basing investment decisions on said fundamentals will continue to be a sound approach. Five years from now, many of todays “risks” won’t matter. Stay the course Once you have a sound, long-term investment strategy, the only thing that matters is that you have the discipline to stay the course and that you don’t get distracted by any short-term rhetoric.

(4) Have faith that fundamentals don’t change It is always tempting to believe that big events might create permanent change. But they rarely do.

“Unless you buy a stock at the exact bottom (which is next to impossible), you will be down at some point after you make every investment. Your success entirely depends on how dispassionate you are towards short term stock price fluctuations.”  -Joel Greenblatt

(3) Don’t try to time markets No one can pick the bottom of the market, so don’t bother trying. If you are investing in shares, spread your investment across many months to diversify your timing risk. Of course, that is not possible to do with property, so the best thing to do is make sure you don’t pay any more than a fair price and understand that properties that provide scope to add value are lower risk.

Volatility is normal and it should be expected. Volatility is a very important part of price discovery which ensures the market adequately reflects risks and opportunities. Volatility also aids investment strategies through long horizon mean reversion and/or dollar cost averaging. It is something that should be embraced, not feared.

if you miss the 10 best days in the share market over a long period of time (say 10 years), it will have a dramatic negative impact on your overall investment returns i.e., you will earn half the returns or less. This chart is a good example. The lesson is that no one can pick the best days and the worst days. Therefore, if you sell your investments because you are concerned about volatility, you will inevitably miss the best days (best returns) and your overall performance will suffer.

Gratitude helps you keep your focus on The Gain. Instead of feeling down about all the things that haven’t gone right, you gain momentum simply by appreciating the things that are.

The problem with focusing on the Gap is that it is like the point on the horizon where the train tracks come together. You can chase it your entire life, and the further you move towards it, the further away it seems to be. Even if you are successful, you’ll never be successful enough.The alternative is when you compare your current situation against where you started. When you use your starting point as a frame of reference, it’s easy to see your growth and express gratitude as you focus on The Gain.

Every single person has a picture of what they’d like their life to be. This is good in the sense that it drives us to set challenging goals and then work to achieve them, but it can also cause us to become dissatisfied with our current situation. it’s easy to get discouraged when you are constantly looking at where you want to be, especially when measuring against where you are right now. This distance between the current and the ideal is known as The Gap, and can cause you to lose motivation and to stop taking action.

The interesting thing about gratitude is that your situation doesn’t have to change at all. Only your perspective does. Learning to look at your situation through the right lens allows you to see things for what they really are and make decisions that aren’t clouded by negative emotions or energy.

Keeping a gratitude journal helps change your attitude by shifting your focus from the negative to the positive. Expressing gratitude highlights the things that are going right instead of the things that are going wrong.

Gratitude is extremely powerful.There are many physical and emotional benefits of practicing gratitude according to Robert Emmons, professor of Psychology at UC Davis (who many consider the world’s leading expert on gratitude). In his book, Thanks, Emmons says that practicing gratitude can make you up to 25% happier.

When you go into presenter mode a play button appears so you can play your presentation in full screen. The small arrows to go back and forth to navigate through your frames.

Simply grab a frame and drag it into place to rearrange it to your liking.

If we open the frame-view, we can arrange our frames the way we want for our presentation.

Think of frames like containers where you can keep items collected. They share some similarities with groups, but it is easier to move an item from one frame to the other and any object inside the frame will move with the frame.To create a frame, click the frame icon or hit f on your keyboard

select all sticky notes and click on the font size input in the widget toolbar. As mentioned, it should be on "Auto" for all sticky notes. Now pick the largest available font size, that is not grayed out. This will bring all of your sticky notes to the same font size

simply search for a word and Miro will highlight all relevant sticky notes that contain that word.From there, you can press ENTER to bring the widgets from the search result into one view. If there are many sticky notes, you can also press CMD + A (Mac) or STRG + A (Windows) to select them all and pull them together using the Smart Align trick mentioned earlier.

Simply select a group of unordered sticky notes and look for the handle with the four dots in the top right corner of your selection. Then click and hold the four dots and move your mouse. Miro will automatically organize all the sticky notes into perfectly aligned rows and columns.

click on a sticky note until you see the blinking cursor. Once you are in writing mode on the sticky note, just press "Tab". Miro will then automatically create a new sticky note of the same size and color on the right side and shift your writing focus to the new sticky note.

Miro offers multiple ways to create new sticky notes. You can drag them from the sidebar, double-click on the board, or just duplicate existing sticky notes.

On Team and Education plans, you can invite users with viewing and commenting access to boards without adding them to your team. But guests with editing access are not available on these plans.

When you invite guests, you no longer have to share boards publicly.  Guests are required to sign in and they only have access to boards they’re directly invited to. Guests can enjoy access to features in your paid plan, which means they can collaborate using tools like voting, timer, video chat

inviting guests is a secure way to work with people outside your team or organization.  Invite guests to work on one or more boards without needing to invite them to your team.

brainstorming sessions, and workshops with partners or colleagues who either don't have a Miro account yet or don’t have access to your Miro team. Visitors with edit access can edit board content, add widgets, upload files, leave comments, and more. 

Registered users who sign in appear on the board with their real names while visitors with edit access are automatically assigned a name by us (e.g. Visiting Inventor).  For a more collaborative way to engage with visitors, some board owners and co-owners can allow non-registered users to add their names when they join the board. Visitors with edit access  ⚠️ Inviting visitors with editing access is only available on paid and Education plans.

To collaborate with visitors you need to make your board public. While anyone with the link can access a public board, they're not searchable on search engines like Google.

You can invite visitors for free, and they don’t need to register with Miro.

We recommend purchasing licenses for those people who you are planning to continue collaborating with on a regular basis after the workshop, or for a series of workshops and trainings. If you want to share your board with people outside your team without additional charges you can give them visitor or guest access.

In Miro, you pay for every team member in your account. Each paid member requires a paid seat (license) in your subscription and has full rights needed to create Miro boards, as well as to add and edit the content on them.

Know what expenses you are entitled to claim One of the main benefits available to contractors is the ability to claim business costs as expenses and in doing so you will receive tax relief on the amount. When you claim an expense the cost is deducted from your company’s profits, you will only incur corporation tax on your company profits and so the higher your expense amount the lower your company’s taxable profits will be. A business expense is defined as a cost that is incurred wholly and exclusively for business purposes. Some examples of costs that could be claimed as a business expense include equipment, computer software, business travel and accountancy fees.

Work through your own limited company The main benefit of working through a limited company as opposed to an umbrella company is that it allows more opportunities for tax planning as you can take your income through a mixture of salary and dividends.

Sero buys these usually discarded products generating a social and environmental impact. Currently, Sero can source and transform around 75 tons of raw fruits; that otherwise will be discarded every month. Sero contributes to the income of small and medium farmers who can now sell this fruit. In addition, Sero offers technical training  to operate freeze-drying machines, and they are currently expanding their use of renewable energy with Greendipity.

Sero is a lyophilization company that usually sources discarded tier 2 and 3 fruits from local small and medium producers. These fruits are lyophilized and sold to other companies in the fruit industry that use them as input for their food production or resell them in international markets.

Globally, food waste represents 35% of all food production, Of these, 40% corresponds to the production stage. This is partly because the market categorizes products in tiers 1,2, and 3 depending on size, shape, and color. Customers mostly buy tier 1, leaving tier 2 and 3 discarded by the producer or sold at below-cost prices. This rejected produce can account for 20-40% of total production in a well-maintained small farm. In the end, this waste translates into lost income for small and medium producers and an environmental hazard.

Choose a primary. Both jobs may pay well and offer great benefits, but you should always be ready to abandon one at the drop of a dime. Know which one that is. If the moment ever arises where you’re absolutely obligated to be in two places at once, you can’t afford to take the sitcom route of running back and forth. Be aware that one is expendable — it also helps for managing some of the calendar anxiety.

The Rules of DaylightingAs with any profound power, there are guidelines on how it is to be wielded by us mere mortals, lest we destroy ourselves with it. So, these are the commandments I’ve come to live by to keep my daylighting in check:Never talk about daylighting. It can be tempting to flaunt your balancing act and newfound wealth, but it’s just generally not a good idea — especially to your coworkers. Even if you need an excuse to get out of Company A’s meeting for Company B’s, the fewer people who know, the better. People can be messy. I’ll leave it at that.Target roles with the fewest meetings. To be successful at daylighting, you need to keep two jobs. To keep two jobs, you need to not get fired. Meeting overlap can often be inevitable in the world of daylight, but minimizing your total meeting count can lower that statistic to be as infrequent as possible.

It’s a perfectly normal (and widely accepted) thing for teenagers, agency contractors, and hourly employees to hold multiple jobs and file taxes on them accordingly.

Get a second job that pays the same or more as your current one within about 2–8 weeks probably of interviewing, and experience a pay increase of 100%+ immediately. Meanwhile, perform your duties at just the right level to not warrant any undue concern from any employers. For me, I find that usually is about 30–40% per role.

Daylighting reverses that power dynamic. You don’t view your employer as some glorified, “there can only be one” savior, holding you benevolently above the poverty line. Rather, think of them as a client to your personal consultancy. Your talent is your business. How many businesses thrive by having a single, exclusive customer? Conventional wisdom certainly teaches us not to invest that way in any other aspect of our lives, at the very least.

daylighting only really works if you work remote. Beyond that, it only works if you’re also really good at what you do.“That’s ridiculous. How can you give 100% to 2 jobs at once in the same 9–5 window?”It’s simpler than you might think, really. You just…don’t.

Daylighting shares one primary principle with moonlighting — you work as an employee to more than one company, following the law of ordinary wealth. Though, the similarities end there.Where daylighting becomes extraordinary is that your second job takes place within the same 9–5 window as your primary job. Ergo, you are still trading time for money, but you’re essentially doubling (or, if you’re really crazy, tripling) the amount of time you have to offer in a day.

In a nutshell, moonlighting is working a second full-time or part-time job after the hours of your primary 9–5. It’s an effective strategy that many ambitious night owls opt for to bring in some decent (though typically subpar compared to your day job) extra income.

the reasons moonlighting employees give for working on multiple jobs are: to have more to spend to pay off debt to add to their savings/investment to gain additional work experience to pursue their passion to combat boredom While the pandemic has resulted in work from home culture for the majority of the population, it has surged the number of moonlighting cases as it has become easier for employees to work on a second job or business without their primary employer’s knowledge.

Moonlighting is the practice of working on a second job outside normal business hours of the primary job. For example, an employee may work a 9-to-5 job for his primary source of income and additionally work during the nights for another job to earn extra money. Most employers or private organizations have policies in place that prohibit this and take strict actions against the employees taking up a second job while for some organizations, their employee’s second jobs do not matter especially when they are on a temporary contract.

The consequence of high compliance costs is that advisors must target higher income earners or high-net-worth investors to build a sustainable advice practice. These clients have greater complexity which means there’s more scope for advisors to add value which justifies higher fee levels. There’s a limit on the number of ongoing clients an advisor can look after (around 150), so advisors must achieve a sustainable average fee level per client. The problem is that lower and middle income earners miss out. There are virtually no advice options for them which is a terrible outcome and exacerbates wealth inequality. Falling advisor numbers makes this even worse.

how the government has introduced endless and mostly meaningless compliance obligations for advisors. These have created two negative consequences. Firstly, its promoting people to leave the industry and serves as a disincentive to new entrants. Secondly, it increases the cost of delivering advice. This article in The Australian newspaper suggests that advice fees now start at $3,000 per year.

more than halving the number of advisors in only five years is a terrible outcome for Australians. Imagine if that happened with lawyers, accountants, or doctors. The problem is that as older, more experienced advisors leave the industry, there aren’t enough intermediate advisors to eventually take their place. You can’t replicate decades of experience overnight – there are no shortcuts. Therefore, the financial advisor shortage will get worse before it gets better.

The mass exodus of advisors will take years to repair There have been several changes in the financial planning industry which have resulted in a mass exodus of advisors. In 2018 there were about 28,000 financial advisors in Australia. Around 40% of these advisors have already left the industry and it is predicted that advisor numbers will fall to circa 13,000 by the end of next year.

Financial advisors no longer need to sell, just advise. Therefore, in my view, when choosing an advisor, you must consider (1) whether they have enough experience and (2) whether the scope of their advice maximises your opportunity i.e., knowledge.

In a commission-based (or any conflict of interest) world, most advisors core competency was salesmanship, not delivering quality financial advice. But most unsuspecting customers didn’t realise this – often planners were wolves in sheep’s clothing.

Financial advisors use to receive commissions from managed fund providers which created a conflict of interest, as data showed that they’d only recommend the funds that paid commissions, and the higher fees (resulting from the cost of paying this commissions) greatly diminished net investment returns. In essence, commissions incentivised planners to recommend poor quality investments (managed funds). Commissions on new investments were banned in 2014 and on existing (grandfathered) investments in 2018. Financial advisors now cannot accept conflicted remuneration arrangements by law e.g., commissions.

why wage inflation remained persistently low in most developed countries before the pandemic, no one really knows for sure, including me, of course. However, my best guess is that the globalisation of the workforce and technology are two of the biggest contributors. Workforce globalisation means that Australian businesses, large and small, can hire offshore staff at a significantly lower cost which creates downward pressure on wages here in Australia (for some jobs). Technology assists by achieving greater efficiency, especially through automation. This means businesses need fewer staff. If the pandemic has taught us one thing, it’s that lots of people can do their job just as well, remotely. I think this will exacerbate workforce globalisation and continue to weigh on wage inflation. In addition, if the RBA’s aggressive rate hikes send Australia into a recession, which is entirely possible, it will risk undoing all its pre-pandemic efforts to generate sustainable wage inflation.

Prior to the pandemic, the RBA was gradually cutting rates to stimulate the economy which in turn would hopefully stimulate wage inflation.

the style and tone of your resignation letter should be respectful and courteous. If you ever apply to work at the same company again because your reasons for leaving are no longer valid, or if the hiring manager you resigned to now works where you are applying for work, you’ll want to create a positive impression when they recall the details of your exit.

There is no need for wordy and emotional sentiments or a critique of the organisation in your resignation letter. You can provide your reasons for leaving when you resign in person. Positive or constructive detail can be reserved for your farewell speech, departing email, and exit interview. When it comes to your resignation letter, stick to the facts, and keep it short.

Besides your details, position title, and company details, the most crucial aspect of a resignation letter is the date to reflect when your notice period begins and the date of your last working day. Check the notice period stated in your Employment Agreement.

it will be recorded in the end-of-financial-year income and expense summary that they will provide you. At the end of the financial year, you just need to provide your accountant two pieces of information: (1) the rental summary and (2) a summary of interest and bank fees. This makes record keeping very simple.

Maintaining accurate and complete taxation records is necessary to ensure all tax deductions are captured and treated correctly. I encourage my clients to utilise their property managers services to make record keeping as simple as possible. This involves asking your property manager to pay for all property specific related expenses on your behalf.

You must invest in residential property primarily to benefit from the power of compounding capital growth. Any tax benefits (negative gearing) are merely a positive consequence of this investment, not the reason for it. That said, of course it makes sense to maximise your taxation deductions wherever possible.

Sub-processes are a collection of tasks that need to be completed for the process to be successful but that you don’t want to focus on while mapping this particular process.For example, a simple sub-process in our above example could be how the store assistant collects the customer’s loan application information. Perhaps there are several options, including filling out a form on the website, completing a hard-copy application in store, or entering information electronically onto a tablet at Customer Services.Those are all possible options but, to keep the process easy to visualize you don’t want to actually focus on that level of detail in this particular diagram.A task is a basic building block of the process that cannot be broken down into a lower level of detail.Circles usually represent events. Events are something that takes place that can impact the process, and they can be internal or external. There are three types of events: Start Events, Intermediate Events, and End Events. Some diagrams specify the trigger that causes an event to happen.Diamonds represent gateways. Gateways are responsible for controlling the outcome of the process by directing activity to either happen or not.

Rectangular shapes are usually used to indicate activities within the process. Activities can be two main types — sub-processes and tasks.

A BPMN diagram is a business process diagram that specifically uses the BPMN modeling language. Other modeling languages — such as the Unified Modeling Language (UML) — also use business process diagrams to depict processes visually.

Business process modeling focuses on the design of new processes. It differs from business process mapping, which is focused on optimizing current business processes. Both business process modeling and business process mapping fall under the umbrella of business process management.Business Process Modeling Notation (BPMN) has become the go-to way of visualizing business process workflows.

Business process modeling is a method of identifying, modeling, designing, and implementing business processes. Its scope is broader than task management and focuses on a complete end-to-end process.

It’s exciting to think about your potential and what you would do if you were able to take the pill from the movie Limitless.

Remembering positive memories is a skill that can be honed with practice using Visual Imagery. Here’s how: First make a list of some positive memories then choose one to reflect on. Sit down, take a slow, deep breath, relax, close you eyes and begin to think about the memory. Allow images related to the memory to come to mind – think about the people there, what they were doing, saying, and wearing. Listen to the sounds around you and make them as vivid as possible, remember where you were and what made the memory so special. Allow yourself to savour the luxury of this moment in time.

The 3 main strategies that have been researched include: Positive mental time travel (thinking about a past event) Capitalising (sharing that event with someone else) Capturing memorabilia/objects of interest that reflect the event

Memories of past successes and emotional high points are a great source of positive emotional energy. Positive reminiscence is a way of engaging with fulfilling memories, and times in our lives in which we may have felt satisfied, acknowledged, proud, untroubled, pleased, contented and happy.

Ultimately, I think I felt more grateful and secure in what I have. I don’t feel as frustrated, whether it was with a person or at a situation, because I’m not as focused on them or their negative aspects.

Over time, practicing gratitude journaling made it easier to let go of toxic, stagnant thoughts and feelings.

“Gratitude journaling increases a state of inner calm due to the focus required to turn inward for self-reflection. This, on its own, engages the calming parasympathetic nervous system.”

“Journaling helps individuals gain clarity and understand themselves better,” Magavi says. “A gratitude journal can allow individuals to pinpoint the positive aspects of their day-to-day life, and consequently, dissipate negative and distressing sentiments. Individuals can rejoice about any small victory.”By allowing people to learn how to prioritize their needs and emotions over society expectations, Magavi says that writing in a gratitude journal can help alleviate anxiety and boost a person’s mood.

regularly review the performance of each investment and your progress compared to your plan, to ascertain whether any adjustments are necessary. Remember to always play the long game which often requires a lot of patience and discipline

Once you have defined your personal investment strategy, you can begin implementing it. A typical strategy implementation includes: Strategically divesting of any under-performing assets.Optimise super which could include switching to a superior super fund.Make property investment/s. If the plan is to purchase 2 or more properties, we must develop a strategy regarding the timing of said investments. We must consider borrowing capacity and market opportunities.Commence regular share market investing, often monthly.Refer client to an estate lawyer to draft estate planning documents (wills and power of attorneys).Implement insurances to ensure strategy/financial risk is minimised.Complete taxation planning including set up of any structures or restructure.

An advisor can construct an investment portfolio that is tailored to your specific needs and risk profile. For some investors, capital preservation is more important than investment returns, so investing in safer assets other than bonds becomes important. Other investors are willing to take higher risk and skew their portfolio towards the sub-asset classes and geographical markets that are positioned to provide the best returns over the medium to long term.

the more you invest, the greater the scope there is for a financial advisor to add value. They might be able to deliver value in several ways: The diversified options mentioned above tend to distribute too much income. For example, the Vanguard Growth fund generated a return of 9.30% in the 5 years ended July 2021. This consisted of 7.07% p.a. of income plus 2.22% of growth (the High Growth fund generated 7.63% income plus 3.48% growth). Obviously, income is taxed each year. But growth isn’t taxed until you sell the investment. For many investors, it’s more tax effective to have more growth and less income. The tax implications become more material with the more money you have invested. Also, there may be other ways to structure a portfolio to minimise tax.   

Sometimes it feels less risky to not try something and let failure or success remain uncertain. This fear is like # 2, but its less about losing capital and more about successfully achieving goals. Or maybe it’s more about ego? My response to this fear is to highlight that doing nothing is perhaps the riskiest thing of all. It is highly likely that you will fail to achieve your goals if you do not invest. Of course, it is risky to invest if you don’t know what you are doing. But if that’s the case, ask for help. Leveraging the knowledge and experience of people that have achieved what you are looking to achieve gives you the highest probability of being successful. In this situation, it’s a who question, not a what question

Money fear # 3: If I try, I may fail No one likes to feel foolish

Often, people in this situation will not do anything until the perceived pain (consequences) from not changing becomes greater than the pain of changing. This often occurs when they are 5-10 years from retirement. They start to think that they’d better start investing before it becomes too late. The solution is to educate yourself about the cost of procrastination.

Money fear # 1: Paying attention will be painful Sometimes it feels easier to stick our head in the sand and ignore a (potential) problem. For example, most people know that it’s not financially prudent to spend all income on lifestyle expenses. They probably realise that they should be investing/saving some of their income. But to do that, they will have to admit to themselves (and maybe others) that they have been doing the wrong thing in the past. It feels less painful to ignore the issue and “get to it one day”. The problem with ignoring financial misbehaviours is that they magically don’t disappear. They compound. Just like good financial decisions compound, so do bad ones. The longer you ignore it, the worse the consequences will be.

we make decisions based on our emotions (how we feel) and then rationalise these decisions with logic. Often, we do this unconsciously. We’d like to believe that we are logical and rational animals. But the truth is that we are not. Our decisions, particularly about money, are shaped by our beliefs, upbringing, our peer group, past experiences and culture. We tell ourselves stories about money. And then we use confirmation bias to validate those stories. Self-awareness and reflection are probably the greatest gifts as they help you recognise how you think (money fears), so you can stop allowing emotions influence your financial decisions. Building wealth requires a logical, pragmatic and rational approach. Emotions are not only unhelpful but can be dangerous.

why aren’t more people independently wealthy? I suspect the answer lies in their actions, or more correctly their inaction.

the majority of the value from financial advice is derived from three activities:   2.02% comes from behavioural coaching. I describe this as stopping my clients from making costly mistakes. A ‘mistake’ can include not following fundamentally sound financial advice. This can be incredibly valuable.1.20% comes from saving tax i.e. structuring investments tax-effectively. This can include using different ownership structures, different investment products, distribution and franking strategies, super strategies and so on.0.82% come from having a strategic plan. A strategic plan provides context for making decisions. That is, you will be able to assess whether doing X or Y contribute towards, or detract from, the success of your plan. Without this context, you are flying blind.

quality financial advice contributes 4.83% towards your investment returns each year. That is the value of financial advice. Interestingly, it estimated that the investment aspect of what a financial advisor does only contributes a relatively small amount of value. This includes two aspects: Asset allocation (which is referred to as ‘product alignment’ in the report). This is the decision of where to invest your monies; andActive rebalancing which is the decision of how to change where your money is invested over time. The report estimates this only contributes 0.79% towards your investment returns

If I told you that my clients enjoyed a 100% return over the past 12 months, would you be impressed? Of course, no one’s going to be upset with that return but it tells me nothing about: The risk that I took to achieve that return. High returns are almost impossible to achieve without taking high risk; andWhether that return is sustainable. The laws of compounding growth tell us that it’s more powerful to consistently generate a sustainable return (e.g.  8% p.a.) over many decades. That should be your goal.

a prospective client asked me a very good question. They asked whether I have data that shows what investment returns my clients have generated. Whilst this sounds like a logical question, my response was that not only did I not have this data[1], but it also wouldn’t necessarily be that useful. The reason is that investment returns are highly dependent on a client’s stage of life, their risk profile, the quantum of their investable income, their starting financial position and so on. Unless all those factors are identical to this prospective client, the returns are not relevant. 

Major changes to government spending are usually announced in the annual Federal Budget. Monetary policy refers to the practice of managing money supply. Injecting more money into the economy (i.e., increasing money supply) has a stimulatory effect, and vice versa, because there’s more money to spend or invest. There are two primary ways a central bank (e.g., the RBA) can change money supply. Firstly, it can increase interest rates (the Cash Rate). This means that the cost of borrowing increases and more money is withdrawn from the economy to pay the central bank. Secondly, central banks can issue or buy back (redeem) bonds. This is called quantitative easing

There are two main ways that a government can manage GDP growth being fiscal policy and/or monetary policy. Fiscal policy refers to factors like government spending (and investment) and taxation. A government can stimulate an economy by cutting/reforming taxes or spending more on things like infrastructure.

The intersection of the supply and demand curves is the equilibrium price. This is the is the price at which the producer can sell all the units they want to produce, and the buyer can buy all the units they want.

The law of supply is the opposite to demand. That is, the higher the price of a product or service, the higher the quantity of the product or service supplied by the economy (i.e., business). Again, this is common sense because as the price of a product or service rises, so does its profitability, so businesses therefore want to produce more.

The law of demand states that as the price of a product or service rises (holding all other factors constant), the level (quantity) of demand for that product or service falls. Basic logic supports this principle because fewer people will be able to afford the product as the price increases and/or an increasing proportion of people will consider it uneconomical to buy it at that (higher) price.

Along with our robust library of articles and reports, we offer up-to-date interactive data visualizations about the state of networks around the world.

Learn about the state of fixed broadband and mobile networks, emerging technologies, regulatory and government issues

Swimlane map: Also frequently called a deployment map, this type of diagram outlines a process with particular emphasis on who’s responsible for what. Each person or team gets their own “lane” on the map where their specific tasks and responsibilities are plotted.

Process mapping is a visual exercise in which you quite literally draw (or, you know, map) out your workflows into a flowchart. Process mapping allows you to quickly get a grasp on: What typically happens as part of a processWhat order those tasks happen inWho is responsible for each part of the process Think of it much like you would any other map — it’s a visual resource that shows you where you need to go next.

the two roles actually  have quite different agendas and competing priorities. The Business Analyst is biased towards the business’ needs while the User Experience Designer leans towards the users’ needs. 

The Business Analyst, as the job title suggests, is focused on the business. They’re concerned with business requirements, and they are drawing on their business training and business knowledge to provide solutions for business problems. Typically, their main deliverables are drafting requirements documents and establishing business rules.The User Experience Designer also needs to consider the business requirements, but is focussed on the user. They’re seeking to understand user requirements and are drawing on their human centred design knowledge and design thinking experience to design solutions for user problems. Their typical deliverables include user insights and visualisations of solutions through prototypes.

Of course, the main downside with index investing is that you miss the first mover advantage i.e., investing when a product, tech or industry is in its infancy. But also, it is important to recognise that you also miss out on a lot of that risk too. The risk is that you invest in several thematic investments and only 1 out of 10 end up producing quality returns, which wouldn’t be an uncommon outcome.

The main challenge with thematic investing is that it’s a higher risk strategy because it relies on your (trend) expectations materialising. Our expectations can often be shaped by our world view, personal experiences and the dominant narrative of the day. However, these things may not be useful when making investment decisions.Also, because these themes are based on future outcomes, we must realise that expectations, products, technology and so on can change very quickly.

Thematic investing is an approach that seeks to capitalise on megatrends and/or long-term structural changes. Most thematic trends tend to relate to three broad categories being (1) demographic change, (2) technological innovation and (3) climate change.  The goal is to invest in sectors or companies that are likely to benefit substantially from these changes. For example, electronic vehicles (EV’s) will likely benefit from increasing consumer demand because of an increasing focus on climate change. If you agree with this thesis, then you may be attracted to investing in not only EV manufactures but the downstream industries such as battery, sensor manufactures, rare material miners

9. Design Your Lifestyle You can have extended time off between contract assignments to dedicate to your projects, professional development, and hobbies. 10. More Pay Contracting can be financially rewarding. While dependent on employment market conditions, the higher degree of risk means it typically attracts high pay rates and tax benefits, sometimes far higher than the permanent salary equivalent. It is a great opportunity to meet your savings goals sooner.

8. No Politics You can focus on the job and limit your involvement in any office politics.

1. Freedom You can experience a company without having to make a long-term commitment. You have the freedom to pick and choose what assignment you want to take and for how long. 2. Flexibility Contract work offers excellent flexibility. For example, if you want to take a break every three months between contract assignments, take school holidays off to spend with your children, go to Europe for the summer, or take a six-month holiday, you can!

contract work, it is project-based or time-critical work delivered over a set period, varying anywhere from two weeks to 12 months or longer. While contractors often work on projects, companies hire them for their specialist skills to cover leave, peak periods, or to fill skill and knowledge gaps within teams.

The American Heart Association (AHA) has advice for all types of exercise. For cardio, they advise:“Get at least 150 minutes per week of moderate-intensity aerobic activity or 75 minutes per week of vigorous aerobic activity, or a combination of both, preferably spread throughout the week.”

When we hear cardio, we probably think of things like running, cycling, swimming or those “cardio machines” in the gym. While this would not be incorrect, cardio is technically an umbrella term for any exercise that increases your heart rate. By this definition, you can see that many more activities can have elements of cardio training in them.Your heart is a working muscle, and working it makes it stronger. A stronger cardiovascular system means more capillaries can deliver more oxygen to all the cells in your muscles. If you find the concept of going for a run or bike ride either daunting or uninspiring, maybe an activity like dance or playing a sport or game is more appealing. Most gym classes are a form of cardio.

Isometric holds involve muscle engagement without movement. A plank may be the most famous example

Isolation exercises are exercises that target one muscle group. A leg extension targets the quadriceps muscles covering the front of your thigh. A biceps curl targets the biceps

Compound movements are movements or lifts which involve the use of multiple joints. For example, a squat or leg press involves flexion and extension of the ankles, knees and hips all at once. A push-up, chest press or shoulder press involves flexion and extension of the elbows and shoulders.

“Add moderate-to-high intensity muscle-strengthening activity (such as resistance or weights) on at least 2 days per week.”

If you find resistance training boring, unfortunately this doesn’t change the fact that its an important form of exercise, but there are many approaches you can try to make it slightly more stimulating: Workout to musicJoin a strength classFind a workout buddyQuantify your progress by recording things like max push-ups and PRs (personal records)Use supersets or circuits instead of straight sets and reps to increase intensity and variationHave a strong “why” so you can persist with the practice until your find your flow (it will come!)

Repeating this habit of exercising and recovering multiple times a week will result in stronger muscles, balanced hormone levels

Adhering to a regular workout routine also affects nutrient partitioning in the body, which influences where the calories and nutrients you eat are used. The best results will come from having a good exercise routine AND a healthy diet. If you are eating too much food for your current body weight, regular resistance training makes you less likely to store that surplus of energy as fat and more likely to spend it building lean muscle mass. However, this assumes a diet low in processed foods and well-balanced with protein.There are a few key components to a proper training program such as consistency, intensity, and rest. Consistency is necessary because otherwise your body will not bother to adapt, and intensity must also reach as certain level in order to trigger the desired stress response (ie: repair and growth). Just a few random workouts won’t trigger the necessary adaptations.

Exercise promotes the release of feel-good hormones such as endorphins which can reduce stress and enhance your sense of happiness and well-being. It has been shown time and time again to be a highly effective tool in combatting even severe cases of depression and anxiety, sometimes leading to the successful removal of medication

Exercise helps reduce sleep onset (the time it takes to get to sleep), the length of time people lie awake at night, and can alleviate day-time fatigue to lead to a better night’s sleep. Indirectly, sleep plays a big part in weight management

Exercise reduces your risk of chronic conditions such as type 2 diabetes, heart disease, various types of cancer, dementia and more. It also helps you avoid disease by reducing inflammation, lowering blood pressure, improving blood cholesterol levels, and improving heart function and blood flow throughout the brain and body. Exercise also improves joint strength and function while building muscle mass to offer layers of protection against injury.

Regular exercise reduces blood pressure, supports healthier cholesterol levels, regulates blood sugar levels, and promotes vasodilation to improve blood flow to-and-from the heart. Over time, your heart adapts to the exercise and is able to extract more oxygen from your blood, reducing the need for the heart to pump so hard. This can be measured in Gyroscope through your resting heart rate (lower is generally better) and VO2Max levels.

Once you know your starting Health Score and where your weakest grades are, you can start to make improvements and dramatically improve your health.

hy should we track our metrics? Some people believe everything should be quantified and stored, while others believe in getting rid of technology and just living purely in the moment. For most people, the best results will come from somewhere in between. At Gyroscope, we believe in measuring things and harnessing the power of data, but doing so in a way that is very passive and unobtrusive, so it doesn’t cause unnecessary stress or frustration.While getting set up, you can start with measuring your most important biometrics in Gyroscope. These include HRV, sleep, productivity, bodyfat, mood, stress, exercise, nutrition and glucose. Some are tracked fully automatically via sensors (in your phone, watch, computer, CGM, etc.), while others can be manually measured for more detail or easily stopped and started with a single click (like for tracking a meditation or workout in the watch app).

But if we can think about the truth of impermanence—of death and the uncertainty of the time of death—then everything else in life becomes secondary. The feeling comes naturally and suddenly. If we can consider the truth of death while we’re going through all these negative emotions, we can realize that they are not that important. Because no matter how much we fight to get and to keep something, we will still lose it. This truth changes our perspective and makes us much happier. It helps us appreciate the life we have right now—moment by moment. It helps us understand that every day is a bonus.

On a daily basis, we are hurt by other people. We have fears of losing something. We have fears of not getting things that we want. We fight with other people over these things. When we do that, there is a basic assumption in our mind that we are living for a long time. That’s why these things seem important. In turn, we create more tension, which brings more suffering, and we lose inner peace.

The Tibetan Book of Living and Dying by Sogyal Rinpoche shares the thought, "Perhaps the deepest reason why we are afraid of death is because we do not know who we are." When a person does not know what they stand for and their purpose, they may be afraid to die because it means the end of their time to figure out these states of being. If you have a deeper understanding of yourself and your purpose in this world, you can greet death as the path to something more.

Traditionally, financial services have been very siloed. If you have a tax question, you ask your accountant. If you have a mortgage structuring question, you ask your mortgage broker. If you have a question about super, you ask your financial advisor. You get the point.However, the problem with this approach is that financial matters tend to be interrelated. What seems like a basic mortgage question could have tax and/or financial planning consequences, which a mortgage broker cannot be expected to have the necessary experience and knowledge to address.A holistic approach recognises that many financial decisions require a multidisciplinary approach.

adopt a holistic approach when making financial decisions. That’s because financial decisions often include several interrelated considerations and consequences, including financial planning, cash flow, taxation, borrowing and so on. Also, taking a holistic approach ensures no opportunities or risks slip between the gaps.

Or it may take the focus away from what you have done recently, by listing too many things. A question that may be helpful to ask yourself when deciding what to get rid of or keep in your CV is ‘what purpose is it serving?’.

how to write a CV first. Start with the end in mind Before you begin, ask yourself what you are trying to achieve. What kind of roles do you want to attract? What types of organisations would you like to work with? What personal attributes do you want to stand out? Are there key skills and experience you want to ensure prospective employers know about? By starting with the outcomes you are hoping for in mind, you can be strategic about the way you de-construct and re-construct your CV. You can choose what needs to be dusted off and bought to the fore, and what can take a back seat for now. Declutter Remove anything from more than 15 to 20 years ago. That includes work experience and training courses. If you feel it’s important to include roles that pre-date the year 2000, an option is to include a table outlining the position title, company, and relevant dates instead of a full summary.

The STAR technique is commonly used when responding to behavioural-based interview questions. It also provides a useful framework for KSC responses.

Writing a good KSC response is invaluable for interview preparation.You will be better prepared for behavioural-based interview questions. You can save what you’ve written for future interviews (and KSC).

KSC provide a quick and easy way for employers to engage with candidates who are genuinely motivated to work with them – after all, responding to KSC takes time and effort. But more importantly, KSC provide an objective way to assess candidate suitability to job requirements. What’s involved? You will write short statements selling your capabilities for each criterion. Your response can include specific examples where you have demonstrated the behaviour, knowledge, skills, and personal qualities asked for in the KSC. It’s essential to check your KSC statement for spelling and grammar. Then, get a family, friend, or trusted recruitment partner to review what you’ve written and provide feedback.

Perhaps one relatively reliable indicator could be if historic growth over the past 6-7+ years has been materially above or below the average, that could be a sign that the market cycle will change soon. For example, if the growth over the past 7 years has been say > 13%, then it’s likely the market will soon enter a flat cycle. Apart from that, timing the property market is less important, because the likelihood of a significant fall in value is low (based on historical data)

property tends to eb between two cycles being growth and flat. Of course, it would be great if you could accurately pick when each cycle will begin and end, but you can’t. It is very difficult (read impossible). Markets cycles can last longer than you may expect.

As we have seen with the likes of Uber and Airbnb, reining in tech companies once they are already running is hard. With Australia modernising its aviation laws, Wing is well positioned to protect its agenda and make itself essential to future evolutions of the law. 

Policymakers know commercial development of communication infrastructure creates competition risks. However, they may not have the tools and expertise to enforce equal and fair access to skyway infrastructure.

Alongside new regulations, new digital infrastructures are being developed to manage increasingly congested and “automated” skyways. Wing is heavily involved, providing a flight planning and safety app for drone operators, a system for remote drone identification, and an "unmanned traffic management" service. Owning the broader traffic management system is clearly part of the long-term business strategy. As Google has shown with its Android operating system, building infrastructure (even if it's open source) can create a real commercial advantage.

To privatise a new part of the sky, Australia's drone regulations will have to change. The current rules are highly restrictive, built from a patchwork of international, federal and state laws developed primarily for aeroplanes.Apart from hobbyists with constant line of sight, operating in limited times and places, each drone use requires explicit permission from the Civil Aviation Safety Authority.

Do we want to live under a cloud of drones? At present, most of the time people are free to enjoy the skies above their homes and communities. Kids can fly kites and enthusiasts can fly their own drones. Drone delivery risks privatising a new layer of that common space, and handing it over to Alphabet and others. 

Drone delivery may also have hidden environmental costs. Keeping cars and trucks off the road might cut energy consumption, but mining lithium for batteries and supplying energy for data centres may reduce or eliminate those gains.

Amazon warehouses and food delivery apps have shown us how such punishing timelines can be dangerous for worker safety and devastating for morale. For precariously employed or gig economy workers, missing targets can mean instant termination. And the repercussions of 10-minute delivery may spread beyond Wing. If consumer expectations change, rival delivery companies (who may not be using automated drones) will feel pressure to keep pace.

After signing up, customers use the smartphone app to place their orders. Orders are then packed at local base stations and flown to their destinations by Wing’s drones. On arrival, the packages are lowered to customers by winch, automatically detaching from the drone before it returns to the base station.Unlike the hobby drones you might see above parks and beaches, Wing’s delivery drones can operate out of the operator's line of sight. Flight is fully autonomous, with one pilot monitoring several flights at once and able to take over or land if necessary. 

Owned by Alphabet, the parent company of Google, Wing has huge resources. New drone regulations are already being written, and Wing is setting itself up to be the backbone of a new aerial infrastructure.

it’ll need to be renewed. Revalidation ranges from 7-15 years depending on your level of clearance. Additionally, you must be in a job that requires a clearance at your renewal date and be working at an entity willing to sponsor the renewal. If this isn’t the case, the clearance will be cancelled. Such measures ensure that only the most relevant talent maintains security clearance to work in sensitive public sector roles.

obtaining a security clearance can take time. This isn’t due to the length of the vetting process, but often a large backlog of applications to the AGSVA. This means a baseline clearance can take 3 months, and an NV1 clearance can take up to six months. As a result of this delay, some government entities tend to prefer candidates who are already cleared to fill their vacancies quicker. However, at the same time, these entities cannot disqualify a candidate solely because they don’t have an existing clearance. This is discrimination.

they can be more difficult to sell in a balanced or buyer’s market. As such, it is best to sell impaired assets in a buoyant (seller’s) market. The rationale is that the high level of buyer demand and positive market sentiment may encourage some potential buyers to overlook the property’s shortfalls.

a property needs to underperform by at least 2% p.a. to warrant selling it. Therefore, if a property has only slightly underperformed (by say 1% p.a.), it may not be worth selling because doing so crystalises CGT liabilities and selling costs.

Non-residents generally do not pay the Medicare levy (and so cannot claim Medicare benefits), and will have 10% of any interest earned from Australian bank accounts withheld for tax. This interest is not included in assessable income, but you will need to provide your bank with an overseas address

If you are a non-resident, you only need to lodge a tax return if you have income that is sourced in Australia, such as wages, business income or capital gains on Australian land and buildings.

The law treats residents and non-residents differently.  Australian residents are generally taxed on all of their worldwide income. Non-residents are taxed only on income sourced in Australia. The marginal tax rates are different for income below $45,000, meaning that effective tax rates are higher for non-residents.

interest rate is changed is through the Official Cash Rate, Bank Rate or Discount Rate (the name will differ, depending on what country you’re in, but they all mean essentially the same thing). Think of this as the price that commercial banks have to pay in order to borrow money from the bank of banks – the Reserve Bank. This rate is then passed on to the consumer – so changing the Cash Rate affects the interest rate. This rate is changed consistently to balance low inflation and economic growth targets. The Reserve Bank of India currently their Cash Rate set at around 8.5%, while the Reserve Bank of Australia currently has theirs set at 2.25%.

1 | Interest Rates and the Reserve Bank – Changing Demand for Currency When you go to the bank and deposit your money or take out a loan, you’ll be dealing with an interest rate. This is both the amount of money you earn for having savings and the amount of money you have to pay to borrow (in other words, the cost of borrowing).

Making an initial investment is an easy decision because we all know we must do at least one thing. But making subsequent investments can be more difficult because it’s not always clear which investment option compliments your existing investments.

It’s impossible to make confident financial decisions without any ‘context’If a person stopped you in the street to ask you for directions but didn’t know where they were heading (i.e., destination), would you be able to help them? Of course not. The same is true for investment decisions.If you asked me whether you should buy an investment property, how could I give you an answer without knowing what your financial and lifestyle goals are and your plan to achieve them. It is possible that investing in a property would hinder your abilities to achieve these goals.One of the most valuable outcomes of developing an evidence-based investment strategy is that it provides you a clear context for making all financial decisions. Such important decisions can include where, when and how much to invest in the future

Can’t find someone to share your career achievement stories with? Try telling the story to yourself. You’ll be amazed at what a bit of positive self-talk can do for your confidence.

Share Your Career Achievement Stories Sharing your career achievement stories is like a coach’s pre-game pep talk. It clarifies your goals and strengths and puts you in the right mindset. For example: “I saw a role for a Project Manager position with company X. I think I’d be really good for it as I’d be able to offer… When I was at Y company, I delivered … Feedback from my team and manager was …”.

USB-C is more of an umbrella term. In fact, these connectors can utilize different types of protocols such as USB 3.1 or PD (power delivery).

The main benefits of USB C technology are: it can transmit both power and information simultaneously information can be transferred at much higher speed rates of up to 10 Gbps the plugs can be inserted either way, there is no right-way-up as in the case with USB A ports these ports can be used for both input and output of power and/or information

the most common ones are: 18W – this is enough for all types of smartphones and tablets, including devices such as the Nintendo Switch. 30W – 45W – from these levels, you can start charging more power-intensive items such as laptops, just that they will take longer to charge than usual 60W+ – starting with 60W most laptops will charge without an issue, not to mention tablets, cameras, or phones.

USB-C output ports with Power Delivery (PD) can supply up to 100 watts of power. This is an important feature, as older generation USB ports could supply just 2.5 watts on average, enough for a phone but definitely not enough for a laptop that requires at least 60 watts. This is why for the list of power banks we only selected ones that have the PD feature.

IP addresses are quite commonly used for geo-targeting i.e. customizing the content of a website by the visitor's location / country but they are not permanently associated with a country and often get re-assigned. To accomplish what you want, you need to keep an up to date lookup to map an IP address to a country either with a database or a geolocation API.

No you can't - IP addresses get reallocated and reassigned from time to time, so the mapping of IP to location will also change over time. If you want to find out the location that an IP address currently maps to you can either download a geolocation database, such as GeoLite from MaxMind, or use an API

Is there a way to figure out the country name just by looking at an IP address? I mean, do countries have specific ranges of IP addresses? For example, Australia can have IP addresses only in the range of 123.45.56.89 - 231.54.65.98 (just an example)

Dave Lindbergh, Seaplane pilotAnswered Jan 15, 2021Generally, they don’t know. If the laptop is used to connect with the company network, IT can see the IP address that’s connecting, and could in theory (if they wanted) look up where that IP address is - usually IP addresses can be located to a city (not always). But there are lots of pretty simple ways around that. And probably very few company IT departments bother to even try. Generally. If the company is super-paranoid about this, they could do more, but it would be a special effort. They could put a GPS in the laptop and hide software in the laptop that reads the GPS location and transmits it back to the company anytime the laptop is online - even if it’s not being used to connect to the company. Maybe if you work for the CIA and have top-secret stuff on your laptop they do stuff like this (or even sneakier things) - I have no idea. It’s possible. But very few ordinary non-government-secrecy-oriented normal companies would bother.

How does Enterprise IT know if a company laptop is taken outside of the country?

If you’re browsing the Internet from your home computer, you will be doing so with the IP address assigned to you by your network provider or Internet Service Provider (ISP). Unlike your home address, however, your IP address is likely to change quite regularly. Simple actions, such as resetting your modem, can change your IP address. However, even when it does, it will still identify your location, browsing device, browser type, internet provider, and more. IP addresses that change frequently are known as dynamic IP addresses, whereas static IP addresses remain the same.

Your IP (or Internet Protocol) address is a unique identifier that every network-connected device is assigned. It’s like a postal address for your computer, and in the same way your postal address is linked with all your utilities and accounts, your IP address is used every time you access any kind of network, including the Internet. It’s how the Internet knows where to deliver and receive data from

It is possible that you will need to fund pension payments from a combination of investment income (dividends and interest) plus the gradual sell-down of investments. This is something your financial advisor will assist with.

If your super is invested with an industry super fund (or similar), then you don’t have to worry about the funding of pension payments, as the super fund will look after it. All you need to do is ensure you have selected the most appropriate investment option.

You can start a pension by rolling over your accumulation account into a pension account. You can roll over up to $1.7 million into a pension account (this is a lifetime cap – called the transfer balance cap). Any account balance that exceeds $1.7 million must be retained in your accumulation account.Pension super accounts attract a zero-tax rate. That means you do not pay any tax on any investment income or capital gains that your super balance generates.If you commence a pension, you must withdraw a minimum pension amount, which is based on your age. For example, its 4% of your super balance at the beginning of the financial year if you are younger than 65, or 5% if you are aged between 65 and 74. There is no maximum i.e. you can withdraw as much as you like from super each year. Again, typically, the goal is to preserve your super balance as much as possible as it’s a zero-tax environment.All income that you receive personally from an income stream pension is tax-free if you are 60 years or older i.e. it does not attract any personal income tax.

If you opt to take your benefit as a lump sum, some of your benefit (i.e. the “taxable – untaxed element”) may be taxed at a rate of up to 17% and the “taxable – taxed element” will be tax-free.  Given the tax advantages of leaving your money in super (outlined below), most people are much better off to opt to start an income stream pension.

When you retire you generally have two options:Withdraw your full super balance as a lump sum; orStart an income stream pension.

There are three ways you can access your super benefit:You have reached your preservation age, which is age 60 for most people (or sooner if you were born prior to 1 July 1964), you have ceased employment and have no intentions of becoming reemployed in the future;If you have reached your preservation age but are younger than 65 and still working, you are able to commence a Transition-to-Retirement Income Stream (TRIS) pension; orYou are 65 years of age, regardless of employment status.

A good way to structure your response in a behavioural interview is to use the STAR technique. Framing your answers in an organised manner helps you clearly articulate your relevant skills and experience. It helps the interviewer too. They can easily follow along and learn how your past performance is relevant to the behaviours and skills they are seeking.

A behavioural interview is a structured interview that collects information about past behaviour. It is a commonly used type of question, as past performance has been shown to be a reliable predictor of future behaviour. The questions asked are open-ended. Each is designed to help the interviewer learn about your skills and experience in a specific competency related to the position.

If you open a .dot (or .dotx), there is no ‘save’, it is always interpreted as ‘Save as’. The main effect of this is that users cannot accidentially save their filled version over the template, which otherwise is quite annoying for the next template user. You are correct that otherwise there is little difference; after all, you can make a doc or docx to a template by simply renaming the file on disk.

.docx is a Microsoft Word document format and .dotx is a Microsoft Word template format. But what's the difference for the end user? From my own experience I can say that opening a .dotx file in Microsoft Word has the same effect as copying .docx document and working on a copy in the application. Am I missing the purpose of templates? What are the advantages of using them over copying and pasting pre-laid out .docx file?

With Google Chrome, you'll want to click the three downwards facing dots in the top-right corner of the screen. Then, choose More Tools followed by Create Shortcut. Make sure the Open as window checkbox is clicked, and then click Create. Once again, right-click on the PWA in the Taskbar, and then Pin it. You can now use the PWA just as you would a standard Teams app!

You'll now have a separate session for your second Teams account. This web app looks and behaves just like the regular desktop app, so you should feel right at home. There aren't many differences once you get rid of the underlying browser UI and create a PWA for it.

IT risk management policies and proceduresIT policies and procedures explain to staff, contractors and customers the importance of managing IT risks and may form part of your risk management and business continuity plans.

IT risk assessmentAn effective IT risk assessment identifies serious risks, based on the probability that the risk will occur, and the costs of business impacts and recovery.To complete your IT risk assessment identify risks to your business and perform a business impact analysis.Business continuity planningHaving identified risks and likely business impacts, the development of a business continuity plan can help your business survive and recover from an IT crisis. A business continuity plan identifies critical business activities, risks, response plans and recovery procedures.

Risk assessments are often confused with a Job Safety Analysis (JSA) or Job Hazard Analysis (JHA). The key difference between a risk assessment and a JSA is scope. Risk assessments assess safety hazards across the entire workplace and are oftentimes accompanied with a risk matrix to prioritize hazards and controls. Whereas a JSA focuses on job-specific risks and are typically performed for a single task, assessing each step of the job.

When Do You Perform a Risk Assessment? Beyond complying with legislative requirements, the purpose of risk assessments are to eliminate operational risks and improve the overall safety of the workplace. It is employers responsibility to perform risk assessments when: new processes or steps are introduced in the workflow; changes are made to the existing processes, equipment, and tools; or new hazards arise.

5. Strongly end your recommendation The task now is to end the recommendation as strongly as possible. Think of a short but powerful end:

4. Add some personality Let's face it, it's important that a person’s hard skills match a job. However, nowadays it is increasingly important that someone has the right soft skills, and is nice to work with.

3. Clearly share the competences If you recommend someone, chances are that you have a positive feeling about this person. It is important to formulate this as briefly as possible, in order to convey the message as clearly as possible. Think of one or two things that this person is better in, or does differently than anyone else.

2. Describe your relationship The next step is to indicate the relationship between you two. What joint projects did you work on and how long have you known each other? You don't have to write an extensive story, it is primarily important to show that you are qualified to write the recommendation.

5 Tips to write a LinkedIn Recommendation 1. Start with a catchy first sentence Just like with an article, you want to draw the reader's attention with the first sentence of your LinkedIn recommendation, because the goal of course is that your recommendation is read. Ideally, this sentence is about how well the person did

similarities.both have outlining features with bullet point indentationboth allow bi-directional linking and setting references with [[squared brackets]] and #Tagsboth have a side-bar feature to open multiple documents at onceAt first, it might seem that they don’t have many features in common. However, these three features are the most important ones for building a digital second brain. They allow you to keep your thinking structured and connected.

While RemNote is a tool for “remember and organize what you learn”, Roam is a “note-taking tool for networked thought”.

When you answer yes or no to each card, it combines all the details to map your current mood across many dimensions, including happiness, energy, extraversion, wellness, and more.

Use the mood tracking daily to measure important data about your mental health like cortisol levels, happiness, energy and overall wellness.

trade waste management program manages risk to: Protect the health & safety of sewer workers. Protect the integrity of the sewer system. Protect sewage treatment plant processes. Protect the environment, particularly the receiving environment. Facilitate & provide opportunities for re-use of effluent & biosolids.

Trade waste is liquid wastewater from a food business or industrial entity that enters the sewer system. This includes all water that is used for the preparation or cooking of food, washing dishes or cleaning, that goes down the drain. To protect the sewer system some trade waste may need to be treated before it is discharged. Treatment might include removing harmful chemicals or fats or can correct the characteristics of the wastewater, like its pH or temperature. Whether your business is food related or industrial, you will be creating wastewater (or trade waste) that needs to be treated before it can be discharged to the sewer network.

For example, a Professional Edition org with 20 users receives 10.4 GB of data storage + 22.9 GB of file storage. For storing files and attachments, only the file storage is relevant, so we will focus on the 22.9 GB. The standard SharePoint is 1 TB plus 10 GB per license purchased (exact limits depend on your plan). This means that for that case, the included storage is over 40 times larger (!) with a total of 1224 GB in SharePoint against the 22.9 GB in Salesforce. If that is not enough, you can buy extra SharePoint storage for $0.20/month for each extra GB. This is the first reason to integrate Salesforce with SharePoint – saving on storage costs. The second reason is that SharePoint is better at storing many files than Salesforce. Yes, you can have Salesforce documents and notes attached to accounts, contacts, and almost anything really. But if you use that option all the time, those Salesforce documents - invoices, receipts, statements of work, contracts, and others - will start to pile up. They end up stealing valuable operating capacity, and degrading Salesforce performance. Keep in mind that Salesforce is not a document management system.

the Salesforce SharePoint integration stands out as a popular choice. One of the main reasons for that is that it is a money saver: you can save a lot in Salesforce’s storage costs. The amount of Salesforce storage that is included in your plan is 10 GB (File storage) + 10 GB (Data storage) with some additional storage depending on the number of users

the Admin Certification focuses more on the proper care and feeding of your Salesforce org as Administrator.

while the Salesforce Admin Certification isn’t necessarily a prerequisite for other certs, it kind of is. It's expected that you have this basic administrative knowledge of Salesforce. Think of the Admin Certification as the ‘high school diploma’ of Salesforce.