Joffrey Symons
Tax-Efficient Ownership Structures for Real Estate Investors

Tax-Efficient Ownership Structures for Real Estate Investors

One of the most crucial considerations a real estate investor can make is choosing the right ownership structure. The tax implications of the structure that they choose can significantly impact their balance sheet. You can discover your tax savings and find out more about tax-efficient ownership structures for real estate

Read More »
When To Consult A Construction Lawyer In Brisbane

When To Consult A Construction Lawyer In Brisbane

Key Scenarios Requiring Legal Expertise for Commercial Construction in Brisbane: Protecting Your Project with Professional Guidance Embarking on a construction project in Brisbane is a significant undertaking that involves a multitude of legal considerations and potential challenges. Whether you are a seasoned developer, a contractor, or a property owner, the

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How To Market Your Roofing Business: 3 Effective Methods

How To Market Your Roofing Business: 3 Effective Methods

If you own a roofing business, then you need to get your information in front of as many eyes as possible. Roofing problems don’t happen that often, and whenever they do you want your company to be the one that people call. So don’t be afraid to focus on marketing

Read More »
Managing Scale Buildup: Antiscalants in Large Building Projects

Managing Scale Buildup: Antiscalants in Large Building Projects

The battle against scale buildup is an ongoing challenge in the realm of large building projects. Scale, a hard, crusty deposit of minerals like calcium and magnesium, can significantly hinder the performance and longevity of various systems within a building. Addressing this issue is crucial, and this is where antiscalants

Read More »
Why Your Construction Company Needs To Support Charities

Why Your Construction Company Needs To Support Charities

Most of the time, when you run a construction company, your focus is going to be on completing your projects as efficiently and to the best standard as possible, but although that’s vital, of course, there are other things that you might need to think about, especially if you want

Read More »
The most commonly used yeast strains in home brewing

The most commonly used yeast strains in home brewing

Brewing beer at home is considered more of a tradition rather than a fad or a passing market trend in the UK. In order to do it properly, however, it is necessary to have a thorough understanding of the mechanisms, processes, technologies, tools and, above all, the ingredients to be

Read More »
How To Determine if A Loan Is Beneficial For Your Business

How To Determine if A Loan Is Beneficial For Your Business

Loans can be of great assistance in expanding businesses. They can speed up operations, help you work out better terms with suppliers, and simplify handling cash flows. But how can you tell if your company would benefit from a loan? Before applying for a business loan, you might want to

Read More »
Rightmove to help address the housing crisis

Rightmove to help address the housing crisis

Searchland, the development site sourcing specialists, has partnered with Rightmove, the UK’s largest property portal, to help tackle the housing crisis by further streamlining the ability for housebuilders to deliver much needed stock. Rightmove has been the driving force behind the evolution of how we buy and sell homes across

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Latest Issue
Issue 322 : Nov 2024

Joffrey Symons

Tax-Efficient Ownership Structures for Real Estate Investors

Tax-Efficient Ownership Structures for Real Estate Investors

One of the most crucial considerations a real estate investor can make is choosing the right ownership structure. The tax implications of the structure that they choose can significantly impact their balance sheet. You can discover your tax savings and find out more about tax-efficient ownership structures for real estate investors. Choosing the right structure Before exploring the different types of structure options, let’s take a look at some factors that may help decide which structure is best. Some key considerations include the investor’s financial goals, the type of real estate investments, and the desired level of control.  For example, it is important to clearly define your tax goals. Figure out whether they involve minimizing current tax liability, maximizing deductions, or planning for long-term capital gains treatment before you do anything. Then consider the level of liability protection needed. Certain structures provide a shield against personal liability, while others expose the investor’s personal assets to risks taken by the business.  It is also important to assess the flexibility required for the business as well as the long term strategy. Some companies offer a high degree of flexibility in terms of taxation, management structure, and ownership which makes them a popular choice among real estate investors. Structures that facilitate tax-deferred exchanges and capital gains treatment are likely to be preferable for those planning to keep properties for a long period of time. Lastly, if estate planning is a consideration, structures like family partnerships or LLCs can offer tax advantages and facilitate the smooth transfer of assets to heirs. Sole ProprietorshipThis is by far the most simple form of ownership and involves an individual owning and operating the real estate business. This provides the investor with complete control, but at the same time, exposes the investor to personal liability. It is also not the most tax-efficient option as income generated is taxed at the individual’s tax rate, and there are limited opportunities for deductions compared to other structures. Partnerships Partnerships are one of the more popular choices for real estate investors as they offer both flexibility and shared responsibilities. In a general partnership, income and losses flow through to the individual partners which helps them avoid double taxation. Limited partnerships and limited liability partnerships provide liability protection for some partners while still allowing favorable tax treatment. Limited Liability Company (LLC) An LLC gives investors the liability protection of a corporation and the flow through taxation of a partnership. Members therefore get to enjoy limited liability, and income or losses pass through to individual tax returns. This makes LLCs a tax-efficient choice for real estate ownership and therefore is a widely used option. Investors can choose to be taxed in a few different ways. They can either be taxed as a disregarded entity (for single-member LLCs), a partnership, an S or C corporation, depending on their specific tax strategy. S Corporation An S corporation is not a stand-alone entity like an LLC or corporation and is often chosen for its pass through taxation benefits. Profits and losses pass through to shareholders’ personal tax returns and therefore avoid corporate-level taxation. S corporations do however have strict eligibility criteria. Things such as a limit on the number and type of shareholders, as well as the fact that all shareholders must be US citizens or residents that are used to determine eligibility. C Corporation These are not as common for real estate investments but they may be suitable in certain situations. These kinds of corporations are subject to double taxation as profits are taxed at both the corporate level and again when distributed to shareholders. The benefit being that they offer lower corporate tax rates and may be advantageous for investors who are holding properties for the long term.  Real Estate Investment Trust  A Real Estate Investment Trust  is an ownership structure that has been specifically designed for real estate investment. These allow investors to pool funds to invest in a diversified portfolio of real estate assets. At least 90% of taxable income must be distributed to shareholders. Investors therefore receive dividends, and the Trust itself avoids corporate-level taxation. Tenancy in common In this kind of structure, more than one investor co-owns a property and each one has a fractional interest. This provides investors with a tax-efficient way to pool resources and share ownership and doesn’t have the formalities of a partnership. Each investor will report their share of both income and expenses on their individual tax returns which allows for personalized tax planning. Family LLC or Limited partnership These types of structures are often used for estate planning and wealth transfer. They allow for the transfer of real estate assets to family members while maintaining control. The senior generation can therefore retain management control while at the same time giving limited partnership interests to their heirs. Selecting the right ownership structure is therefore a critical decision with significant tax implications. Each structure comes with its own set of benefits and considerations and one must consider what the overall financial goals are before deciding on the best structure to use. Real estate investors should work closely with tax professionals and legal advisors to tailor the ownership structure to their specific needs.

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GBCA Report Pushes for Local Government Support of Sustainable Building Practices

GBCA Report Pushes for Local Government Support of Sustainable Building Practices

The sustainability battle lines have been drawn – a new report has been released by the Green Building Council of Australia, a leading authority on sustainable buildings and communities in conjunction with property industry champion, the Property Council of Australia, calling for more support at a local government level for the adoption of sustainable building practices. A little-known fact about the energy market is that buildings play a significant role in energy use. Data from the report cites that approximately half of Australia’s electricity use, and a quarter of its emissions, and generated by buildings. As the nation works towards evolving emissions targets, how can the private sector work with government stakeholders to forge a brave new world in construction, from the smallest of homes to those built by Australian cranes? The answer, it appears, seems to lie in the role that local government has as a stakeholder and key approver for development, whether it be residential, commercial, or industrial. Several findings on the current state of government leadership on sustainability find a range of inconsistencies around land use, poor sustainability targets, poor procurement policy, and a lack of targeted support. The GBCA report highlights that while sustainability and the built environment typically have strong regulatory representation at a state and federal level, at a local government level, that representation can be wholly inconsistent, even between neighbouring councils. This can cause problems for developers when looking to develop sustainable projects, as they suddenly must contend with a third level of regulation that may not be wholly consistent with the standards they may have previously dealt with in construction. Specifically, the report recommends streamlining planning tools across councils, working collaboratively across legislative borders, as well as with industry and the community to work towards a positive and sustainable outcome. Secondly, the report highlights that a key consideration should be the work that is done on existing and developing council infrastructure, in that it must be sustainable and work towards promoting the high energy efficiency standards that are demanded of new residential and commercial development. In particular, the sustainability leadership of the Wollongong City Council’s work on their Administrative Building – first achieving an Australian Excellence award by the Green Building Council of Australia in 2015, then working towards receiving a further World Leadership award in the years since, as they continued to reduce the amount of energy consumed and water wasted on property. The report highlights the importance of having highly performant government buildings and the range of benefits that they can bring to stakeholders in the community. Thirdly, the report highlights that poor procurement policies can often hamper efforts to work towards sustainable outcomes. It specifically notes that to be successful, national guidelines should be developed to enhance the capabilities of local government to accurately assess value-for-money and sustainability features vs the whole-of-life cost of an asset – a level of detail that local government is unable to consistently apply.  Launching alongside the report was the City of Melbourne’s Retrofit Melbourne plan – a plan for the City of Melbourne to work towards driving down the 66 percent of emissions that come from buildings in the council area. In a city where major manufacturing was discontinued in the last half century, council officials are exploring new and innovative ways to improve the sustainability of the properties in their council areas, without having to demolish and rebuild swathes of apartment buildings. Highlighting the importance of working together with industry, government, and other partners, Deputy Lord Mayor, Nicholas Reece said “It’s crucial we act now – working alongside industry, government and academic partners to future-proof our city for generations to come. We need to get the balance right – protecting our older buildings which give Melbourne its character, while accelerating our collective journey towards zero net emissions.” Another theme highlighted in the report was that there was a lack of mandatory reporting for buildings, concerning sustainability practices. For those who are looking to purchase or rent a property, it’s very unlikely that prospective occupants would be able to find anything publicly listed about the sustainability features of a property – even though it is well-documented that consumers are willing to spend more if they know a property has sustainability features such as high energy efficiency. The importance of connection, and industry partnership, was highlighted as a critical theme throughout the report. Noting that little is done in isolation, the benefits of partnership and working together were highlighted in great detail, at both a domestic and international level. Much can be learned from the overseas experience – all nations are feeling the dangerous impacts of climate change, from Texas’ record-breaking freeze to the European heatwave recently named Cerberus, after the hound of Hades from Greek mythology. A sign of things to come, perhaps? While many nations are experiencing the impacts of climate change, many cities are adopting models that highlight the benefits of adopting the recommendations presented in the report by GBCA. Cities such as Chicago are working to streamline the permit approval process for sustainable buildings, and nations such as the UK are employing policies such as the UK Better Buildings partnership, collaborating with leading commercial property landlords to drive improvements in the sustainability of existing commercial stock. The challenges of climate change may seem insurmountable at times, but the work that cities and nations across the globe are doing to drive down emissions and work towards saving the world is certainly a cause for celebration. What now for the report, now that it has been released? It is hoped that the Albanese government may be able to implement some of the policies at a federal level, such as the sustainability ratings system. The Green Building Council of Australia and the Property Council of Australia remained determined to tackle the impacts of climate change in their way, presenting a gold standard for how organisations can work together to tackle the challenges of today. Now, it’s time for local government to step

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When To Consult A Construction Lawyer In Brisbane

When To Consult A Construction Lawyer In Brisbane

Key Scenarios Requiring Legal Expertise for Commercial Construction in Brisbane: Protecting Your Project with Professional Guidance Embarking on a construction project in Brisbane is a significant undertaking that involves a multitude of legal considerations and potential challenges. Whether you are a seasoned developer, a contractor, or a property owner, the complexities of construction law can often be daunting. Understanding when to consult a construction lawyer in Brisbane is crucial to safeguarding your interests, ensuring regulatory compliance, and navigating any potential disputes that may arise during the construction process. In this blog, we explore key scenarios that call for the expertise of a construction lawyer in Brisbane.  From contract negotiations to dispute resolution, regulatory compliance, and risk management, we delve into the vital role a construction lawyer plays in protecting your construction project and providing you with the legal guidance needed for a successful and seamless construction journey. Let’s explore the situations in which reaching out to a construction lawyer can be a strategic and proactive move to ensure the smooth progression of your construction venture.   There are several reasons why you may need a construction lawyer in Brisbane: 1. Contractual Issues Construction lawyers can assist in reviewing, drafting, and negotiating construction contracts to ensure that all parties’ rights and obligations are clearly defined and protected. They can help address any contractual disputes that may arise during the project. 2. Regulatory Compliance Construction projects in Brisbane are subject to various regulations, building codes, and permits. A construction lawyer can help ensure that your project complies with all applicable laws and regulations. 3. Construction Disputes In the event of conflicts or disputes between parties involved in the construction project, a construction lawyer can mediate, negotiate, or represent your interests in litigation to seek a favourable resolution. 4. Payment and Liens Construction lawyers can assist in handling payment issues, including disputes over payment amounts or delays. They can also help file construction liens or security of payment claims to secure payment for completed work. 5. Building Defects If you encounter building defects or construction defects, a construction lawyer can help you understand your rights, explore options for rectification, and pursue appropriate legal action if necessary. 6. Insurance Claims Construction lawyers can provide guidance and representation in insurance claims related to construction projects, ensuring you receive proper coverage for potential losses or damages. 7. Project Termination or Suspension If a construction project faces termination or suspension, a construction lawyer can advise you on the legal implications and protect your interests during the process. 8. Employment Matters Construction lawyers can assist in employment-related issues, including contracts for construction workers and subcontractors, compliance with employment laws, and resolution of employment disputes. 9. Environmental Concerns Construction projects may have environmental impacts that require compliance with environmental regulations. A construction lawyer can help navigate environmental laws and regulations. 10. Risk Management Construction lawyers can identify potential legal risks associated with your project and develop strategies to manage and mitigate them effectively. 11. Negotiating Construction Claims Whether you are a contractor, owner, or subcontractor, a construction lawyer can negotiate and advocate for your interests in construction claims. 12. Arbitration and Mediation If alternative dispute resolution methods like arbitration or mediation are preferred, construction lawyers can guide you through these processes to reach a resolution outside of court.  Consulting a construction lawyer in Brisbane is a proactive step that can make a significant difference in the success and efficiency of your construction project A construction lawyer plays a crucial role in safeguarding your legal interests throughout the construction process, ensuring compliance with regulations, resolving disputes, and protecting your investment in the project. From the early stages of contract negotiation to handling potential disputes and ensuring regulatory compliance, a construction lawyer’s expertise can be invaluable in safeguarding your interests and minimising legal risks. By having a knowledgeable commercial construction lawyer by your side, you can navigate the complexities of construction law with confidence and focus on bringing your vision to life. Whether you are a developer, contractor, or property owner, understanding when to seek the guidance of a construction lawyer is essential for a seamless and legally sound construction journey. So, don’t hesitate to reach out to your trusted commercial construction lawyer in Brisbane to gain the peace of mind and assurance needed for a successful construction project from start to finish.

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How To Market Your Roofing Business: 3 Effective Methods

How To Market Your Roofing Business: 3 Effective Methods

If you own a roofing business, then you need to get your information in front of as many eyes as possible. Roofing problems don’t happen that often, and whenever they do you want your company to be the one that people call. So don’t be afraid to focus on marketing whenever business is slow. But what are some of the most effective ways to get everything started with marketing? Here are some of the most effective ideas! Partner With a Home Services Lead Generation Company One of the best ways to make sure that you are the first roofing company that is focusing on leads is to make sure that you have a home services lead generation company on the phone.  These companies know how to get you good leads, without the hassle of a lot of marketing. If you can figure out where your desired leads are coming from, you can focus all of your marketing efforts. Websites like 33MileRadius are able to give you key leads, and all you need to do is pick up the phone. They do the digital side of marketing for you, putting your services in front of the customers. Then when the customers call for you, they will be routed through the network and towards your business. Then you accept the call and get everything going! These companies are a great way to passively get leads, and it is a win-win for everyone. But even with your digital marketing covered by a home services lead generation company, you can still do more in order to market your roofing business. Email Marketing Connecting with your email list allows you to focus on providing helpful tips, offers, and other information and news about your company. Plus, you can actively track every single part of the process. Knowing when your customers open your email, and what they are interacting with can really help you tailor your marketing.  You can build a lot of connections with the people on your email list, and then those connections will turn into business opportunities whenever those people need a roof repair! Focus On Online Reviews and Referrals It is often frustrating to see, but many customers make up their minds about your business before they even see any of your content. They read all of the online reviews and referrals about your business, and then they make up their minds. So you need to focus on managing all of that. Ask your customers to leave you feedback and make the process easy, and then also focus on managing your online reviews. Once you register your website on places like Yelp! and Google my Business, you will be able to have a conversation with the people who have left reviews on your websites.  Thank people for their positive feedback and also respond thoughtfully to the people who are leaving reviews that aren’t so positive. You don’t want to lose your temper online, because that will only harm your standing. But the more positive information you can put out there about your business, the more that positive business is going to get your customers talking about your company.  Do A Good Job Finally, simply completing your roofing work and doing it well is going to ensure that your business succeeds. People recognize those with passion, and if you and your team love your job, then that hard work is going to be seen by the customers. They will remember it whenever they need more roofing problems handled in the future as well.

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Managing Scale Buildup: Antiscalants in Large Building Projects

Managing Scale Buildup: Antiscalants in Large Building Projects

The battle against scale buildup is an ongoing challenge in the realm of large building projects. Scale, a hard, crusty deposit of minerals like calcium and magnesium, can significantly hinder the performance and longevity of various systems within a building. Addressing this issue is crucial, and this is where antiscalants play a pivotal role. Let’s dive into understanding scale buildup and how antiscalants offer a sustainable solution in large-scale construction and maintenance. Understanding Scale Buildup Scale buildup in large buildings is a significant concern, primarily affecting systems like water pipes, boilers, and cooling towers. It occurs when minerals present in the water precipitate out and form hard, crusty deposits on surfaces. This is especially common in areas with hard water. The impact of scale buildup can be extensive. It reduces the efficiency of heating and cooling systems by acting as an insulator, preventing effective heat transfer. In water pipes and plumbing systems, scale can narrow the passage, reducing flow and increasing pressure, which can lead to leaks or burst pipes. In cooling towers and boilers, it can cause overheating and system failure due to restricted heat dissipation. The Science of Antiscalants The workings of antiscalants revolve around their ability to prevent the formation of scale. Such chemicals function by interfering with the crystallization process that leads to scale formation. They do this in several ways: Common antiscalants include phosphonates, polymers, and silicates, each with unique properties suited for different applications. These substances aren’t only effective but also generally environmentally friendly, making them ideal for sustainable building management. Application of Antiscalants in Large Building Projects The application of antiscalants is a critical aspect of maintaining infrastructure, particularly in systems that handle water, such as cooling towers, boilers, and HVAC systems. Here’s how these treatments are typically used in these settings: By effectively applying antiscalants, large buildings can enjoy benefits such as reduced maintenance costs, enhanced water system efficiency, and extended infrastructure lifespan. Choosing the Right Antiscalant Choosing the right antiscalant involves several key considerations to ensure the effective prevention of scale buildup and the maintenance of system efficiency. These include: In summary, selecting the right antiscalant requires a balance of technical and economic considerations, tailored to the specific needs and conditions of the building’s water systems. Conclusion Managing scale buildup is crucial for the longevity and efficiency of large building projects. Antiscalants offer a powerful solution, but their effective use requires careful selection, application, and monitoring. As technology advances, the potential of these chemicals to enhance building maintenance continues to grow. If you’re involved in a large building project or maintenance, consult with experts to find the best approach for your specific requirements.

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Why Your Construction Company Needs To Support Charities

Why Your Construction Company Needs To Support Charities

Most of the time, when you run a construction company, your focus is going to be on completing your projects as efficiently and to the best standard as possible, but although that’s vital, of course, there are other things that you might need to think about, especially if you want to show your customers (and potential customers) exactly who you are and why they should be pick – after all, construction is definitely a competitive sector to be in.  One thing you can do that will help you stand out and give you a wide range of other benefits as well is to support charities, and ideally charities in your local area. Supporting charities isn’t just a kind and good thing to do (although it is those things, and that’s important to remember), but it can also be a good business decision. Keep reading to find out more.  Create A Positive Company Culture  One of the biggest positive things that can come out of your construction company giving to local charities like the Yorkshire Air Ambulance is that it can help to create a truly positive company culture, and that’s something that can make your customers and your employees (not to mention your investors) very happy indeed.  When your team comes together to give to charity, or you organize something special that raises money from your customers to give to a good cause, everyone will feel good, and it can even make the bonds within the company (and towards your clients) stronger too. You’ll all be working towards one good goal, and that will make your work environment more positive, boost morale, and improve job satisfaction overall.  This isn’t just good for now and the team you have right at this second, but it’s also great for the future and the team you might want to employ further down the road. When people see that you do good things for charity and that you have a good company culture, they’ll be more likely to apply for a job, and that means you can have your pick of more applicants and find the ideal person to fill whatever role you need filled.  Better Corporate Responsibility  You need to know a lot about your customers if you’re going to market to them in the right way and, of course, if you’re going to make sure they get what they want from you. So that means you should be aware that a lot of people really do care about what businesses they use and how those businesses take care of the world around them. In other words, customers are actively looking for businesses that are as ethical as possible and practice corporate responsibility.  Although there are lots of different ways you can show you’re doing this, one that helps a lot of people all at once and proves that you’re taking corporate responsibility seriously is giving to a charity or possibly many different charities. When you give some of your profits to charity, you’re showcasing your commitment to good corporate responsibility and proving that you aren’t all about business, but that you genuinely care for other people and want to do what you can to help them.  And what you give will help them, but it will also help customers choose you over and above anyone else, stay loyal to you, and spread the word about your business, and that’s definitely something no business owner is going to turn their nose up at.  Building Community Relationships As much as you might not like to think about it, the fact is that construction projects do tend to have an impact on the local community – and that impact could be good or bad, or there might be mixed feelings about the whole thing.  The good parts include creating job opportunities or building useful new buildings like schools or leisure centers, but the bad parts could include disruption and noise or even the need to demolish a much-loved building to make space for your project.  Unfortunately, as much as the good parts will be what’s left at the end, the bad parts are what will often stick in people’s minds, and therefore there will always be a somewhat negative view of your business.  You can change that by giving to charity and using that idea to build community relationships and not damage them (or perhaps repair them after some damage has been done). Whether you’re supporting local charities, sponsoring schools or classes, contributing to providing housing for those in need, or anything else, whatever you do is sure to improve your reputation and build community relationships.  

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The most commonly used yeast strains in home brewing

The most commonly used yeast strains in home brewing

Brewing beer at home is considered more of a tradition rather than a fad or a passing market trend in the UK. In order to do it properly, however, it is necessary to have a thorough understanding of the mechanisms, processes, technologies, tools and, above all, the ingredients to be used in home brewing.Of course, brewers already know very well that four main elements are needed to make beer: malt, hops, water and yeast, which is a key element in the brewing process.There are many strains of yeast brew on the market that can be used to produce very different beers with different flavours and tastes.Even their classification is not unambiguous, but they can be distinguished into large classes of yeast designed to trigger unique and clearly distinguishable fermentation processes.Indeed, yeast plays the important role of activating the sugars naturally present in the wort and transforming them into alcohol, carbon dioxide and other elements known as ‘esters’ that characterise the aromaticity of the finished product.It is therefore worth taking a closer look at the different yeast strains that can be used for home brewing. Top-fermented vs bottom-fermented yeasts The first distinction to be made, when talking about brewer’s yeasts for brewing, is precisely that between top-fermenting and bottom-fermenting yeasts.In the first family of yeasts, the top-fermenting ones, are all strains of brewer’s yeast, technically known as Saccharomyces Cerevisiae. These act at higher temperatures, staying on the surface of the wort and yielding a beer very rich in warm, fruity aromas.The bottom-fermenting ones, Saccharomyces pastorianus, on the other hand, need lower temperatures for the fermentation process, stay at the bottom of the fermenter and produce more malt and hop-oriented aromatic notes.Depending on which yeast strains are used, different types of beer can be distinguished, such as Pilsner, Lager, Munich and many others. English yeast strains One of the most difficult aspects of home brewing is the choice of fermentation yeasts to use. Generalising, one can speak of English yeasts as strains with greater aromatic intensity. In fact, in English beers it is very common to find notes of peach, apricot, green apple and yellow apple, as well as melon and pineapple. These delicate and at the same time intense aromas with a bitter note make the organoleptic profile of these beers interesting. However, most of them are characterised by malt and hops.Unfortunately, however, it takes little to lose control of the fermentation, leading to smears in the aroma with excess fruitiness, ripe banana, sometimes even solvent.Those with English yeasts are very delicate fermentations, not least because these strains tend to flocculate early by settling to the bottom of the fermenter, sometimes as early as the second day of fermentation.For this reason, many traditional English breweries are used to continually re-circulating the yeast, precisely to keep it active and ensure that it lasts until the end of fermentation.

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How To Determine if A Loan Is Beneficial For Your Business

How To Determine if A Loan Is Beneficial For Your Business

Loans can be of great assistance in expanding businesses. They can speed up operations, help you work out better terms with suppliers, and simplify handling cash flows. But how can you tell if your company would benefit from a loan? Before applying for a business loan, you might want to think twice, as it can be risky. You should only take out a loan if your business is experiencing the following situations:  When Your Business Lacks Working Capital One thing to consider to know if getting a loan will benefit your business is if you experience a lack of working capital. Check if your current liabilities exceed your assets. You will have to raise money to cover your working capital requirements. The working capital ratio reflects the business’s cash flow and liquidity situation. It’s calculated by dividing current assets by current liabilities. But remember, as a general guideline, you should only borrow funds when you can put them to use and increase your income. That is how you can cover the interest costs and yet turn a profit in the end. If you’re starting to notice that you’re turning away good business opportunities because you lack the working capital to fund the project, your business will benefit if you take out a loan at this point. Once you face such a problem, you must find the ideal lender to suit your needs. You can opt for a traditional bank or lender near you. You can also go for a better option and consider applying for a loan from an online lender like CreditNinja.com loans. Online lenders can provide a better loan experience, such as low-interest rates, flexible loan terms, etc. So, before you decide where to get the loan, you must first research and compare your options.   When You Need To Expand Your Business Another scenario that will make a loan beneficial for your business is when you need to expand your business but don’t have enough funds to do so. You may be free to spend the money you borrow for your small business expansion as you see fit if you take out a loan. For instance, a loan for growing your small business can assist in covering the price of new hires or rental for a new office or shop. Loans for growing your business also give you freedom in how and when the money must be repaid. Moreover, getting a loan in this situation benefits your business by allowing you to grow and profit more. As a result, you’ll be able to pay off your debts, including your newly acquired loans, without any problem.  When You Have a Shortage of Equipment There will be a time when your business will experience a shortage of equipment. A shortage of equipment can prevent your business from profiting and growing. Adding equipment is also a part of your business expansion, and you’ll need funds to do that. If you notice that the equipment in your business is making your daily operations a struggle and hindering you from earning significant profit, then a loan will benefit your business. Don’t miss out on the opportunity to provide your goods and services to more customers and yield more profit. Instead, think of a way to acquire additional funds to afford additional equipment and meet your market’s demand.  When You Need To Build A Business Credit Score A good credit score is the ultimate financial goal that every individual and business aims for. It determines how well you manage your finances, especially your debts. It also shows how responsible you are in fulfilling your obligations. If your business has a lower or no credit score yet, getting a loan will benefit your company. However, if you are taking out a loan to improve your credit score, remember to only acquire a loan that reports to the credit bureaus. You must ensure the lender submits credit information to one of the three commercial credit bureaus. Do a little research to make sure you’re getting the benefits. Once you begin building your business credit score, you must also make sure that you maintain a good credit history. Building company credit entails preserving a positive credit history through timely payments, sparing credit requests, and a low use rate. To ensure no problems or errors, you may verify your credit history with the three business credit bureaus: TransUnion, Equifax, and Experian. Also, remember to be patient. Building credit takes time. That’s why you must start building your credit today. If you need a loan and want to increase its benefits to your business, don’t hesitate to get one in an amount you can afford.  You Don’t Need To Share Business Profit If you’re seeking additional funds for starting a new business or for other reasons, one solution that’ll come to mind is to seek financial aid through investors or business partners. However, remember that by doing so, you’ll be required to share your profit with your investor or business partner. This profit sharing will last a lifetime compared to paying interest rates on a loan, which could end when your loan term ends. Before you seek help from an investor, you should weigh the pros and cons first, including the fact that you’ll need to share your profit with them as long as your business exists. It could last up to the next generation. In addition to that, having a business partner or investor means you don’t own the company alone. When operating the business, you must consider their ideas, suggestions, and more. It can be a source of conflict, especially if you’re not on the same page. As a result, your business will take the toll of it and won’t thrive. That’s why most small business owners opt to take a loan rather than acquire funds from a business partner or an investor to avoid such complications.  Bottomline Getting a loan can be a beneficial move you can make for your business. Research and study

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Behind the Scenes: How Aluminium Suppliers Keep Your Projects Running Smoothly

Behind the Scenes: How Aluminium Suppliers Keep Your Projects Running Smoothly

When you embark on a construction, manufacturing, or renovation project, you may not always think about the role of aluminium suppliers in making it all happen. However, these behind-the-scenes players play a crucial role in ensuring that your projects run smoothly and successfully. In this blog, we will take a closer look at how aluminium suppliers contribute to the success of your endeavors, from providing quality materials to offering essential support and services.By considering these factors and building a strong collaborative relationship with your supplier, you can navigate your projects with confidence, knowing that you have a trusted ally behind the scenes. 1. Quality Materials One of the primary ways aluminium suppliers keep your projects running smoothly is by providing high-quality materials. Aluminium is a versatile metal known for its strength, durability, and corrosion resistance. Suppliers source and process aluminium to meet specific industry standards and customer requirements. These suppliers offer a wide range of aluminium products, including sheets, coils, extrusions, and more, each tailored to various applications. Whether you need aluminium for constructing aircraft, manufacturing automotive parts, or fabricating architectural elements, a reliable supplier ensures that the materials meet the necessary specifications. 2. Variety and Customization Aluminium suppliers understand that projects vary widely in scope and requirements. To accommodate this diversity, they offer a variety of aluminium alloys, grades, and finishes. This variety allows you to choose the exact material that suits your project’s needs, whether it’s a specific alloy for aerospace applications or a decorative finish for architectural elements. Furthermore, many suppliers offer customization options. They can cut, shape, and finish the aluminium to your precise specifications. This flexibility is invaluable for projects that demand unique dimensions or specialized surface treatments, such as anodizing or powder coating. 3. Consistency and Reliability For a project to run smoothly, consistency and reliability are paramount. Aluminium suppliers work diligently to maintain a consistent supply chain, ensuring that you receive materials on time and as ordered. This reliability prevents delays and keeps your project timeline on track. Additionally, established suppliers often have backup plans and contingencies in place to mitigate potential disruptions in the supply chain. This proactive approach helps prevent project delays due to unexpected events, such as natural disasters or logistical issues. 4. Technical Expertise Aluminium suppliers are not just providers of raw materials; they also offer valuable technical expertise. Their experienced teams can assist you in selecting the right aluminium alloy and grade for your specific application. They can provide guidance on material properties, finishing options, and best practices for working with aluminium. Moreover, suppliers can help you troubleshoot any challenges that may arise during your project. Whether you encounter issues with material compatibility, fabrication techniques, or finishing processes, their technical support can be instrumental in finding solutions and preventing costly setbacks. 5. Compliance and Certification Quality and safety are paramount in any project, and aluminium suppliers play a significant role in ensuring compliance with industry standards and certifications. Reputable suppliers adhere to rigorous quality control processes and are often certified to international standards such as ISO 9001. These certifications provide assurance that the materials you receive meet the required specifications and quality benchmarks. Furthermore, aluminium suppliers stay up-to-date with industry regulations and environmental standards. They are committed to sustainable practices, which can be beneficial for projects that prioritize eco-friendly materials and processes. 6. Inventory Management Managing inventory efficiently is another critical aspect of keeping your projects running smoothly. Aluminium suppliers often offer just-in-time (JIT) delivery and inventory management services. This means they can deliver materials precisely when you need them, reducing the need for extensive on-site storage and associated costs. JIT delivery ensures that you have the required aluminium materials on hand when you need them, minimizing the risk of material shortages or overstocking issues that can disrupt your project’s flow. 7. Cost Savings Aluminium suppliers can help you save costs in various ways. First, their expertise in material selection can help you choose the most cost-effective aluminium alloy for your application. Second, their ability to provide bulk quantities and competitive pricing can lead to significant savings, especially for larger projects. Additionally, working with established suppliers often comes with the advantage of access to favorable payment terms and credit arrangements, further supporting your project’s financial stability. 8. Relationship Building Strong and lasting relationships with aluminium suppliers can be an asset for your future projects. Building a collaborative partnership can lead to better communication, streamlined processes, and enhanced problem-solving capabilities. This can contribute to smoother project execution and more successful outcomes in the long run. 9. Sustainable Practices Sustainability is an increasingly important consideration in modern construction and manufacturing projects. Reputable aluminium suppliers understand the importance of eco-friendly practices and often implement sustainable measures in their operations. They may source aluminium from responsible suppliers, recycle scrap materials, and reduce waste generation. By partnering with a supplier committed to sustainability, you not only contribute to a greener future but also align your project with environmental regulations and certifications. This can be a significant advantage, especially when working on projects that require adherence to sustainability standards or that involve eco-conscious clients. 10. Continuous Improvement Leading aluminium suppliers are committed to continuous improvement in their products and services. They invest in research and development to explore new alloys, manufacturing processes, and surface treatments. This commitment to innovation ensures that you have access to the latest advancements in aluminium technology, which can enhance the performance, durability, and aesthetics of your project. By choosing a supplier focused on continuous improvement, you gain a competitive edge in terms of product quality and efficiency, ultimately contributing to the overall success of your project. In conclusion, aluminium suppliers are essential behind-the-scenes players in ensuring the success of your construction, manufacturing, or renovation projects. Their commitment to providing quality materials, technical expertise, reliability, compliance, and cost-effective solutions all contribute to keeping your projects running smoothly. By choosing the right supplier and fostering a strong partnership, you can navigate your projects with confidence and achieve your goals efficiently

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Rightmove to help address the housing crisis

Rightmove to help address the housing crisis

Searchland, the development site sourcing specialists, has partnered with Rightmove, the UK’s largest property portal, to help tackle the housing crisis by further streamlining the ability for housebuilders to deliver much needed stock. Rightmove has been the driving force behind the evolution of how we buy and sell homes across the UK and today, boasts the highest level of traffic of all UK portals, making it the go to platform for property buyers of all shapes and sizes – including those looking for land sites, commercial plots and homes abroad. The portal is built on a wealth of data, allowing users to search by property type, size, room number and proximity, as well as providing information on mortgages, estate agents and most importantly, current market values.  Searchland is also no stranger to driving innovation within the UK property sector, having already changed the way the development industry operates, providing automated results covering everything from DTV letter sending, site sourcing workflow, strategic land data, DNO and HMO data, planning applications, ownership records, sold price comparables and planning constraints.  In May, the company launched in Scotland, making it the first site sourcing platform to offer data for the whole of Britain. Just a month later, Searchland also launched its integrated AI powered interface, dramatically reducing the time it takes for developers to ask questions of a given council’s local planning documents, both adopted and emerging. Searchland and Rightmove Data Services team up to help tackle the housing crisis Both platforms are the powerhouses of their respective sectors and their partnership is set to further streamline the property development process. While Searchland already utilises a huge amount of market data, the problem they and many developers face is the lagged nature of property data reporting.  While the Land Registry provides a great deal of data on areas such as sales volumes and sold prices , these figures are reported on a considerable lag of up to six months. This means the information being reported isn’t always representative of market conditions today.  This unique partnership will see Rightmove Data Services provide market comparable data to the Searchland platform from their own listings, allowing developers a real time look at how the market is performing.  But it’s not just the current value of potential land sites that developers will be able to benefit from. Searchland will also be utilising data from Rightmove Data Services to deliver insight on all properties available, both new-build and existing, as well as rental properties, not just those up for sale.  With this immense amount of data feeding into Searchland’s search algorithms, developers will be able to access a vast array of information from property build dates, the number of bedrooms and bathrooms, parking availability and more.  And it’s not just the residential development sector that is due to benefit, the addition of live and historic rental data provides huge benefit for those working within both the social housing and build to rent sectors. Not to mention the addition of dedicated retirement home stock data, as well as information on auction trends and the sale price achieved.  In partnering with Rightmove Data Services, Searchland is set to become the most comprehensive source of information available to developers across all sectors of the market, providing an unrivalled level of data and insight, not just historically, but on the present day landscape as well. Co-founder and CEO of Searchland, Mitchell Fasanya, commented: “Technology has played a key role in the evolution of the property market and it continues to do so today. Whether you’re a developer looking to source a land site or a residential buyer looking for your next home, the speed, convenience and ease of the process has come on leaps and bounds in recent years.  While this is partly down to the ‘usability’ of platforms such as Rightmove and Searchland, the secret sauce to success is the abundance and availability of robust data and being able to provide such data in a quickly digestible format.  In this respect, the partnership between Searchland and Rightmove Data Services is a match made in heaven and the wealth of data they will be able to provide us will not only supercharge the Searchland offering even further, but add further value to additional sectors such as the social housing and build to rent sectors.  For the nation’s developers, this means even more power at their fingertips when it comes to site sourcing, allowing them to swiftly form a complete view of any given area of the property market, enabling them to increase the level of stock they are able to deliver in the process.” Simon Dawson, Director of Rightmove Data Services and Insights commented: “As part of the UKs leading property portal, Rightmove Data Services understands how important it is for developers to have accurate and contemporary information when appraising development sites. By working with Searchland, we are able to provide some of the biggest developers in the country access to our unique property and pricing data. This relationship highlights our dedication to enhancing the property development landscape and providing superior data in the easiest to use format” Building, Design & Construction Magazine | The Choice of Industry Professionals 

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