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What You Need To Know About Prenup Agreements

Depending on how you choose to look at it, prenup agreements can either be a smart way to ensure that everyone in a relationship is properly protected, or a way to show bad faith in a relationship and a sticking point that flies in the face of romance.

Understandably, the concept of thinking about the end of your marriage before you’ve even started it can seem unromantic and problematic for many but it can also be prudent. The truth is that a lot of marriages end in divorce and prenup agreements can make that process much less messy. Despite the fact that they can simplify the divorce process, only a small percentage of Australians actually bother to get prenup agreements. Many Sydney family lawyers would agree that couples should take prenup agreements more seriously. Nowadays people are marrying much later in life and so they often come into their marriages with existing assets which they may lose during divorce proceedings. So, here are a few things you should know below so you can make a considered decision.


What are prenup agreements?

A prenuptial contract is basically a legally binding contract between two partners or spouses which details how their assets should be divided should their relationship come to an end. In Australia, they are known as ‘binding financial agreements’. They are usually put in place at the beginning of marriage but can also be made during a marriage or after a separation. They’re also not just for married couples and can be used by de facto partners as well. Without a BFA in place, assets and finances will usually be settled on in Family Court. A BFA can override the court process and give couples much more power and control over the way their assets are divided in the event of a relationship breakdown.


What’s involved?

Generally, a BFA will be made between two parties who are about to be married or are already married. Prenup agreements usually involve partners come to mutual decisions about how they would like their assets to be divided but can also be related to other issues such as spousal maintenance. Most couples will usually need to consult with lawyers independently to make sure that their interests are properly protected. It’s possible to allow for conditional changes that often happen over time in a marriage like the birth of a child.


How do they work?

Prenup Agreement

For a prenuptial arrangement to become legally binding they must be set up properly. The first thing to remember is that both people must agree to it and sign it without being put under duress. Additionally, both people must be aware of all the potential benefits or disadvantages of making the contract. It’s possible for them to be invalidated if they are not properly understood. In the past, the courts have overturned them because they were not properly administered.


What are the pros and cons?

Coming to an agreement can help couples to achieve clarity and peace of mind going into a marriage. It ensures that everyone feels protected and that everyone involved has more control over the outcome in the event that the relationship comes to an end. Having a BFA in place can simply divorce proceedings and save people a considerable amount of time and money at the end of a relationship because everything is agreed upon already. The downside is that the terms don’t have to be favorable to both parties, so it’s possible for someone to get a bad deal. It could also offend your partner if they are not on board with the idea.



Tips For Getting Hired By A Blockchain Development Company In Sydney

Getting hired by a blockchain development company in Sydney is one of the things that many students and even current developers are looking to achieve as of the past few years. This technology took the world by storm and its applications into various industries were noted and resulted in huge demand for anyone who knew anything to do with it. With such a high demand, the job prospects for working in a blockchain development company in Sydney are high and the stability is there, as they will always need people.
Moreover, the salary for those working in a blockchain development company in Sydney is very high in comparison to other engineers and developers who are not involved with this form of technology. With so many people flocking for the same job, you will want to be able to stand out to receive a position in a blockchain development company in Sydney.

Here are some tips for getting hired by a blockchain development company in Sydney.


Know what the technology really is and how it works

It is easy to watch a YouTube video or do an hour of study on the technology and think you have what it takes to go to a job interview for a blockchain development company in Sydney. It is very important that you understand the basic concepts of what makes up the tech, how the information is stored, what kinds of information is stored and what kinds of information is useful to be stored using this tech, how it can be applied to various industries and businesses, what are the results, what kind of cryptography is used to secure the stored information and many others. Having a well-rounded and full knowledge of how the tech works and what it is made up of will ensure that when you are asked any questions about it, you will be able to give a decent answer and demonstrate a clear understanding of the concept and practice of the technology.


Get to know the developers in your city

developers inside an office

Speaking and socializing with the developers in your city is a good way to make connections that could land you a job in a blockchain development company in Sydney. A lot of these developers will likely hang around the same places or attend the same events and meetups. Going to these events is not only a good way to get a good knowledge on the tech and the industry but also to meet connections who can provide insightful knowledge into what working for a blockchain development company in Sydney might be like and how to gain a competitive advantage over the crowd of others who are trying the same thing. Looking through meetup websites, tech events that are coming up, communication servers such as Discord or Telegram, content pages such as Medium and maybe even your local venture capital incubator can be good places to start to look for developers who can talk to you and help you.


Map out what specialties are needed

There are many different uses for this technology in a blockchain development company in Sydney, and it is important to map out what is in demand right now. Specialists in certain areas may have more of demand compared to others. Maybe consultants (being jack of all trades) are in demand or perhaps analysts for cryptocurrency or mining are. This will ensure that you are ultimately in demand with these skills.


In summary, working for a blockchain development company in Sydney is definitely possible with such high demand for the technology and those who can bring skills related to it. However, the tips above should be followed to maximise the chances of getting hired by a blockchain development company in Sydney.

Why The Koru Necklace is Hot Property for Consumers

Consumers who visit New Zealand, have a connection to the country, or just happen to be fascinated by their art and culture will commonly come across a koru necklace.

These beautiful designs are often showcased with dark green tones that glisten in the sunshine and sit proudly on the necks of customers.

There are many types of fashion accessories that will add value for people as they embark on their global travels, but this is an item that brings a lot more to the table than just the obvious features.

We will examine why these goods have become hot property for men and women all around the world, enjoying an ancient piece of New Zealand at all times and throughout all places.

Maori Cultural Significance

The koru necklace is a product that would take inspiration from the native New Zealand plant the fern. Derived from ancient Maori culture, this is a symbol for regeneration, new life, new beginnings, growth and strength. The Maori term for koru translates to ‘loop.’ As the fern begins to unfurl and grow out from its original point, it still maintains a connection to its roots. There are many consumers from international markets who are unaware about these deeper meanings and connotations, but they do offer an insight into this fascinating cultural dynamic that makes the koru so important for native Kiwis.

Aesthetic Beauty

There is a tangible and intangible quality that is on display with the koru necklace when considering the aesthetic beauty of these designs. The teal colour shades are most prominent for consumers as they scour shops and websites for their own investment opportunities. Yet, there are off-white bone pendants, black designs and decoratively stained creations that offer a point of difference for participants. They work for indoor and outdoor occasions and will complement almost any form of attire for men and women who want to purchase their very own set.

Unique Style Interpretations

Yes, there are many overlapping themes and styles that are consistent from one koru necklace to the next, but there is a wide variety of interpretations that have been designed through the generations. This is a market that will showcase the paua double koru pendant, the single twist, a large tripe koru heru, the twist with a tail, the black bone, the etched bone, the closed pendant and the bone twist among other creations. Depending on the aesthetics, the texture and its ability to fit in with the rest of the wardrobe, customers are spoiled for choice.

Versatile Prices

There is no corner of the market that will be priced out of a koru necklace. From the affordable $15-$20 designs that are modest in size to the exquisite $150-$200+ brands that offer another layer of authenticity and quality, the versatile price scheme demonstrates how accessible these goods can be. Of course, there are other financial considerations at play for those who are sourcing the items from overseas, allowing them to avoid hiked prices when shipping is included in the overall package.

Online & Offline Suppliers

Fortunately, consumers can be anywhere in the world to find their very own koru necklace. In 2020 there are more outlets emerging from online bases, giving participants the chance to invest in their own koru sets through websites, eBay accounts and social media domains where they are prominently displayed and open for sale. For those that want the genuine article, they will be prevalent across businesses in the North and South Islands of New Zealand.


The increase in sales volumes and exposure for the koru necklace is an interesting development, but it has always carried a deeper meaning for those native to the country. Run a search to find available sellers to see what they have on hand.


How You Can Keep The Impact At A Minimum When Using Divorce Mediation Rather Than Battling It Out In Court

When it comes to stress, it can sometimes be helpful for people to envision their stress levels like a glass of water. Every time something stressful happens, a little bit more water will be added to their cup, and if people are not careful, their cup with overfill. The good news is that there are lots of things that people can do in order to get rid of some of the water such as taking care of themselves on a regular basis with a hot bath, or by having a cuppa with a friend.

Another great thing that people are able to do is to make sure that they are finding the best help that they can when they are going through a difficult time. For many, this may look like working with some kind of therapist, and then for others, this may also look like working for someone who works in the legal system. So, as people don’t want to have a complete mental breakdown that they cannot fully recover from, this post will look at how you can keep the impact at a minimum when using divorce mediation rather than battling it out in court.


You can keep the impact at a minimum when using divorce mediation rather than battling it out in court as the involved children don’t have to hear bad things about their parents

One of the many things that can be very devastating for people is when they grow up hearing horrible things being said about one parent by the other parent. And sometimes parents don’t even mean to do this but when they are going through a tricky divorce, it can be really easy for them to accidentally vent to their young ones or at least in front of their young ones. And this can go on to have some very serious mental health implications that they can carry with them long into adulthood.

Be this as it may, you can aim to keep the impact at a minimum when using divorce mediation rather than battling it out in court as the involved children don’t have to hear bad things about their parents like they might hear if they went to court. Furthermore, the involved parties will have a safe place to vent where the kids do not have to overhear.


Another way that you can keep the impact at a minimum when using divorce mediation rather than battling it out in court is reducing the amount of savings that is spent

One of the hardest things that people will have to tackle in life is the balance between spending and saving. If people save too much then they may not ever enjoy themselves in life whereas if they spend too much, then they may never be prepared for a rainy day. And so, people will need to make sure that they find a balance and that they work hard in order to have a bit of both.

As this is not something that is very easy to do, it is important that people are careful with their money and that they do everything that they can in order to not see it go down the drain. And so, another way that you can keep the impact at a minimum when using divorce mediation rather than battling it out in court is reducing the amount of savings that is spent. This is because when things are drawn out longer, more money is wasted.

Reasons That Your Company Should Implement ERP Software In Australia

As a business grows, it can be harder to manage and organise its operations and communications in an efficient and effective way. Traditional methods have been used mostly throughout businesses; however they are proving to be not as effective as once hoped. With new technologies and the rise of big data increasing in popularity, ERP software in Australia is being implemented in businesses across the country. ERP software in Australia can help to organise and bring together a growing business, increasing communications across different departments. It centralizes all of this under one integrated application platform that allows processes to be streamlined and encourages agility. ERP software in Australia utilizes an interconnected and unified database which can help to provide benefits such as increased response time for clients and an overall increase in operational efficiency.

Here are some reasons that your company should implement ERP software in Australia.


Standardization of software

Within many traditional and unmanaged systems, there are several business processes happening at once and will be using several different applications to get these processes done. This can often become messy and leads to operational inefficiency, time-wasting, and decreased communication efficiency. ERP software in Australia centralizes all applications under one singular platform which allows users to access it and keeps things organized. The benefits of this include allowing increased communication as well as being operationally efficient and effective. Access to data is easier than ever as there is one unified database and centralized platform that all users will use and eliminates having to use several decentralized applications which can lead to messiness and confusion.


Increased efficiency of accounting and financial reporting

Two people trying out an ERP software in Australia

When running a business, keeping a solid track of your financial figures is very important. However, as a company grows, it can be harder and harder to keep track of numerous and complex transactions that may occur on a daily basis.

This workload can be a strain on the financial department or those who handle these figures. Using ERP software in Australia allows a centralized platform to organise these financial figures and those who need to access these can do so with ease. Manual data entry is a waste of time, and will significantly hinder the efficiency of your company. An integrated ERP software in Australia application can keep track of incoming and outbound transactions which eliminates the need for repetitive data entry, thus increasing the efficiency of your finances. It can also increase the visibility of important operational data to do with financial figures, allowing users to access this for their own use.


Ensures compliance with regulations and policies

An integrated ERP software in Australia can ensure that any work that is completed or submitted is complying with regulations and company policies. Most ERP software in Australia will provide some form of regulation application and these will continue to update to ensure that you are complying with new regulations and policies. Not only does ERP software in Australia streamline the processes of your business, but it will also enhance the cyber-security of your data.

This is done through the integration of firewalls and regulated data access.

Furthermore, the integration of a unified and centralized database makes your systems administrator and other similar tech employees jobs easier, as they can monitor for threats in a more efficient and effective way.


In summary, ERP software in Australia provides users with a centralized and unified database and application platform that increases the efficiency and effectiveness of the company by connecting all departments to one singular application. This allows the operational efficiency of the business to increase due to a visualisation of data and many useful applications being made available to them.

Unique Rug Ideas To Make Your Space Pop

If you are updating your place and giving it a new look, then you are probably already aware of all the different changes you are able to make to your space! When looking to update your space, the good news is that you only need a couple of new items to make space really come alive. One of the new items that you should consider looking into is a new rug. There are so many different varieties of rugs; you are sure to find the perfect one that will suit your space.

There is a lot to consider before finalizing your rug choice; you have the obvious aspects like the size, style, and color of the rug. But you also need to consider a few other aspects as well, as the comfort and care of the rug. You need to think about if the rug gets dirty, how are you able to properly clean it, as well as how it feels under your feet.

So, if you want to create something new and exciting for your space, then have a read on below at some unique rug ideas to make your space pop:


Coordinate Your Space

If you like every room in your space to match with each other, then you should certainly consider getting similar rugs for each space. This can really do wonders at tying your home together. Now, the rugs don’t actually have to be identical, but there could be something similar about them, like the color or pattern, which ensures all the rooms have consistency.


Experiment With Different Material

There are a lot of different materials that rugs are made from, so if you are looking for something truly unique, make sure you venture out from what’s normal. Sheepskin rugs are becoming increasingly popular these days, for example, because they offer something a little bit different and can really work to make your space even better.


Bring Some Bling

One of the greatest and most popular trends at the moment is adding some gold tones to your space, so why not add some of that gold within your rug. If you are styling your space with gold accessories and whatnot, then this is another awesome way to tie everything together. If done properly, gold can really add some warmth to your space and can offer something different that you weren’t necessarily thinking of for your space.


Pastels Are Good For Coastal Theme

dog lying in a sheepskin rug

The type of theme you are going for in your space will probably have a large influence on the type of rug you decide on. One fairly popular theme that has been around for a pretty long time is the coastal theme. If you have decided to move forward with this theme, then a pastel-colored rug is probably the way to go. Obviously, you are going to have some blue in your costal theme, but if it is too rich of a blue it can overpower the space, which is why people like pastel.


Bold Colours

Sometimes people want to update their space but they aren’t able to do anything too major, like painting the walls a new color, because they are living in a rental. If this is the case in your situation, then it could be a good idea to make a bolder statement with your rug and choose a bold color, or a really unique pattern. This will hopefully give you the new look and feel like you have made some major chances to your space, without having to change the structure.

What Does An Executor Of A Will In NSW Do?

An executor of a will in NSW is responsible for ensuring that the wishes and directions of a deceased person are properly carried out after their death. The role of an executor of a will in NSW involves them ensuring that any debts are paid off after the deceased death and ensuring that property and assets are correctly distributed according to the wishes of the deceased. They are also responsible for ensuring that any funeral arrangements are correctly carried out.

Their main duties involve them notifying any beneficiaries named by the deceased and taking steps to ensure that all business interests are cared for and that income and investments are properly cared for. They must also set about collecting valuables and assets and insuring all property.

The executor of a will in NSW is also responsible for valuing the deceased estate which means creating a list of all the assets in the estate which can include cash, business interests, personal items, securities, real estate, and property and must also take into consideration debts owed.

They must also complete income tax returns from the deceased and get the authority they need to administer the estate which involves applying for probate. If it was the wish of the deceased the executor of a will in NSW is also tasked with establishing trusts and preparing statements for the beneficiaries involved.

Below are a few other important things you should know.


Is there a time limit for an executor of a will in NSW to complete their duties?

Generally, a year is seen as a standard amount of time for administration of the wishes of the deceased although it can be longer for particularly complicated estates.


What if someone doesn’t want to do it?

If you were named as an executor of a will in NSW but don’t want to accept the responsibilities then you can apply to the court to appoint someone else as an administrator but it’s worth noting that this is binding and cannot be changed later.


Will you be paid?

It is possible to be paid if it is stated in the will but if it isn’t then the role is unpaid. It is however possible to make money from the estate for necessary expenses and to seek professional advice from people like valuers and lawyers.


What’s the first thing to do after someone passes away?

After a person dies it’s important to first find the will and locate any other important papers. Sometimes this can be found in the deceased home or sometimes it is with the lawyer or a trustee. It is then important that they familiarise themselves with the contents of the documents and start to make lists of the estate. It’s very important that assets and personal effects as well as accounts and financial interests are quickly identified and taken care of because it is possible for people to get into legal trouble if the estate is mismanaged.


What happens next?

The next order of business is to work with a funeral director to make any necessary arrangements, sometimes these will have been repaid or prearranged. Once the funeral has been managed, the discussion should be started with any possible beneficiaries, items, and personal effects that should be collected and kept safe to ensure that no theft takes place.

Getting a grant of probate is an important step and involves making an application to the court, it can be disputed if the validity of the will is in question, this can make the process much longer whilst the court tries to rule on whether probate should be granted.

How To Reduce Your Gas And Hot Water Bills

Gas and hot water bills are always a source of anxiety and worry for many people across the world. Maybe you are looking to save extra money for a holiday or for a new car, many people are looking to cut down on their gas and hot water bills significantly. There are various ways to do so, some which require some discipline and some which might initially cost more money but will save you money in the long run. Nobody likes to open their mail to a big gas and hot water bill, so it is better off for most if not all people to look for ways to reduce the amount they have to pay.

Here are some ways to reduce your gas and hot water bills.


Lower the temperature on your heater

By lowering the temperature on your heater, you ensure that anything that comes out will not have to be heated up to a high temperature first. This will reduce your gas and hot water bill, as you will not be using much to heat it up due to a lower temperature. By doing this, you can save a good amount on your gas and hot water bill.


Don’t let the tap run

This may seem glaringly obvious; however, you’d be surprised at how many people let the tap run continuously whilst brushing their teeth or something other. This will definitely raise your gas and hot water bill, as you are continuously letting it run and it has to be heated up too. Anytime you are looking to brush your teeth or you are cooking, turn off the tap when it is not actively in use at that time.


Take shorter showers

man taking a shower

This is probably one you’ve heard, as it is a very common piece of advice given to those looking to reduce their gas and hot water bill. A long shower will use more than a bath will, due to your gas hot water system is continuously running, whereas a bath is filled up then stopped and used. Although, a big bath can use a lot as there is a lot of volumes to be filled up with. A bath is a nice luxury that you can sometimes enjoy, however you are better off just taking a short shower if you are looking to reduce the amount you use. It is up to your judgment as to whether or not you are using too much, and it is best to be frugal.


Fix any leaks you may have

A leaking tap may not seem like a huge issue; however, it definitely can be for your gas and hot water bill. Those droplets that come out of the tap will slowly add up and over the days it can become a significant amount on your gas and hot water bill. If you want to see how much your leaky tap could be costing you, you can find a drip calculator online to give you a final number.


Install a timer

Installing a timer to turn off electric heating at night or at times when you won’t need it is a good way to reduce your bill. By installing one of these, it can reduce the heating use in your household significantly, and forces you to be frugal about it and only use it at certain times.


These are some ways in which you can reduce your gas and hot water bill.

You may be doing so to save for a trip or a new car or even just to lower it, if you follow these tips you can be successful in doing so.


How Hunter Businesses Can Use Their Own Newcastle Storage Facility

There are few clients in a better position to take advantage of a Newcastle storage facility than businesses based in the Hunter region of NSW.

These operators need to shift stock in and out of premises at a regular rate, and when space is at a premium it is outlets like this that can open new possibilities for local enterprises.

If there is pressure with clutter and available storage capacity on-site, it is worthwhile assessing the value of these providers just a short drive away.


Checking Local Supplier Availability

The first step that Hunter operators need to take with a Newcastle storage facility is running a check of local supplier availability. Depending on the season and the level of demand from constituents, there could be a premium placed on these outlets from prospective customers. Each brand will be rated and reviewed, so participants can judge for themselves whether the community values their expertise.


Assessing Commercial Storage Requirements

Participants who are assessing the use of their own Newcastle storage facility will be presented with a range of options. From the small and modest designs to the extra-large units that are ideal for manufacturing and stock warehousing, clients need to assess their own storage requirements first. The same principle is in play for units that are temperature controlled for valuables that have to remain within a certain parameter. Essentials that cannot fall into the wrong hands should also be placed in facilities that enjoy extra security measures for peace of mind.


Engaging Facility for Transport Options

The majority of businesses that offer a Newcastle storage facility will allow participants to drive in and out as they see fit, but there could be logistical complications for large vehicles and trucks entering the premises. Speaking with the provider on this count is essential because there will be other clients who maneuver around this space as well. Some cases will see such facility hires offer a vehicle as a transport option as part of a larger commercial package.


Leveraging Flexible Term Agreements

Facilities in this region of Newcastle will offer their clients the chance to store their valuables for short, medium and long-term agreements. The issue that many Hunter businesses can have in this setting is a lack of foresight, unsure if they need to keep the goods in storage for a short period or extended stay. This is where it is valuable to open a dialogue with the outlet and see if there are flexible service terms that can be agreed, leveraging a rolling contract that reduces financial commitment.


Making Contingency Planning

From the people who have access to the Newcastle storage facility with extra keys and access codes to transport options and switching the stock loads in and out of the premises, Hunter clients should have contingency plans in place. The business might find itself under pressure with office rental payments or needing to undergo a redevelopment on site. This is where extra storage becomes a major selling point for local constituents who want to be one step ahead of their responsibilities.


Keeping Dialogue Open With Provider

There could well be variations with the terms of service or discounts and provisions that apply to a Newcastle storage facility. This is where Hunter managers and owners must keep an open dialogue with the provider to ensure they are kept updated on any of these key developments.


Fortunately, it only takes a couple of weeks for Hunter businesses to get accustomed to the services on offer with a Newcastle storage facility. Once they have developed a rapport with the outlet and understand what types of facilities work for them, the rest of the process becomes straightforward to manage and the enterprise is in a better position.


How Communities Rate Their Homeware House Online

Each and every homeware house provider will be ranked and reviewed online by their customers.

While this places pressure and expectation on the business, it is insightful information that can inform the shopping habits of homeowners.

From dense metropolitan communities to smaller suburban and rural centres spanning the country, consumers will head to Google and Facebook to publish their opinions on their unique experience.

We will focus on the criteria that inform those very opinions.


Quality of Products

Community shoppers who head to their nearby homeware house want to know that they can buy reputable first-class items. This is an industry where competition is hot and suppliers can source stocks at a poor quality to drive down the prices for consumers. Yet these materials will often buckle and brake after a few applications, so it is essential that these goods are either handcrafted by expert designers or manufactured with the highest production level available. Individuals will be happy to logon online and publish their feedback on this count.


Range of Items in Stock

Customers want two key elements when they shop at their local homeware house – a wide range of products and goods that are actually in stock at the store. This will include beautiful designer cushions, coffee machines, slow cookers, pots, pans, plates, tongs, kettles, glassware, bedding, pillows, stools, decorations and anything else that can be used inside a domestic setting. It is not enough just to have these materials brandished on a website or a brochure, but they have to be ready to purchase in real time. Local consumers will reflect those demands through their online ratings.


Affordable Prices

designer cushion

There is a fine line between cheap, affordable and expensive for shoppers who venture out to their local homeware house. From a new countertop to a vibrant lighting scheme for the living room, consumers will weigh up the value of the item against the price tag at every stage. Too dear and these brands become inaccessible to middle-income residents, while the very cheap suppliers will often lead to low quality investments that have to be replaced in a short space of time. This is where homeware businesses have to set their prices accordingly, allowing them to be reviewed online fairly by their customer base.


The Online User Experience

One of the key criteria that can be overlooked by a homeware house supplier is the quality of the online user experience. With more online traffic being conducted through mobile phone devices, there are outlets who can underestimate how significant it is to offer their items and provide a digital shopping experience through a smartphone. If the site is easy to navigate and purchases can be made on phones, tablets, laptops and desktops, that will reflect well with their 5-star rating system.


Expert Customer Service

If customers who engage with a homeware house feel as though their enquiries are met, they will be happy to offer a positive rating for the business. These outlets in 2020 can offer assistance in person at the store, via a phone call, an email, a website message or even a direct message over a social media account. If the homeware house has enough staff to address these enquiries, that will help their online cause as they compete for community interest.


Fair Warranties & Returns Policy

white and green designer cushions

Not every purchase will work out with these outlets and shoppers know that ahead of time. What they will expect in these situations is accessing a warranty that covers their financial liability and a coherent returns policy that allows them to have a repair or replacement service guaranteed. This will test their reverse logistics operation, but it will reflect well on the company if they cater to these interests.