Recently, I had a chance to test two elementary games from Scholastic with some ESL students. The one I tested this time was a fun card game called “Can You See What I See?” that reinforces oral vocabulary.The game begins when each student picks a random card from a small deck. If s/he has for example, a “seashell,” each student removes the card(s) from his/her 12 playing cards that has a “seashell.” The winner is the one whose finds all the items on his/her cards. It’s similar to the “I Spy” game series.They had a lot of fun just finding the items. The objects on each card are cleverly hidden. The items are visually striking and each card is durable! After playing just one game, one student said, “What a fun game! I like it!”As a product evaluator, I love it when children are so honest and direct with their feedback and in such a positive way. And as a teacher, this feedback is essential for learning what works and what doesn’t in the classroom. When students enjoy a game so much that they don’t even realize they are learning, teachers know they are doing something right!Humor and games are two great motivators for teaching students new words, language learning skills and other concepts. For my new resource book I prepared many games that have been teacher tested over the years. These games are simple for teachers to use. Plus, they don’t require complex materials or a lot of them, and can be easily adapted or modified.So as you’re planning your weekly lessons this week, consider using a few authentic learning games. Games are a fun and great form of authentic instruction – perfect for engaging students!
Imagine, you have come through the first stage. You have gathered, written, filed all necessary documents and completed all formalities. It seems, now it’s time to relax. In fact, you need more training to study in a business school.Training at MBA program, you will have to study a lot of not the easiest subjects, so perhaps it makes sense shaking off the dust from previously obtained knowledge, especially in exact sciences – mathematics, statistics, etc. Of course, you remembered a lot during preparation for the GMAT, but this may not be enough. Even banal writing of summaries after a long break might seem quite a challenge.Business schools understand what difficulties their students might face, so almost every such institution offers preparatory courses. They provide different subjects, so you can choose what you need and refresh your knowledge in about a month. In addition, courses provide a pretty clear idea of the rate you will have to live at in the next two years. Some students admit they will never master their studies without such courses and some consider they are just a useful, but not vital thing.Of course, you should not strive learning everything. After all, in order you enter a business school to study. Training courses are designed specifically to prepare you for this training.
More attention should be paid to the proper level of computer literacy. It must be very high, and this is not even being discussed.Some schools not only offer to refresh already acquired knowledge, but also get new one at training courses. For example, develop communication skills. Experts also recommend this to those only thinking about applying for MBA. It’s one of the most important skills you will need both during studying and after it. Communication skills include an ability to write clear and understandable texts, speak in front of people and make presentations. And self-preparation is quite difficult here.Do not forget in addition to simply training, MBA programs also offer many other tasks: tests, projects, etc. Besides, you will meet a lot of people and get good contacts. However, do not forget life after MBA just starts and you need to think about future. Therefore, business schools immediately begin orienting their students on summer practices and job search. One should take care of this from the first days of training.For many students, the first semester of study can seem a nightmare. They are not accustomed to the tempo, a wealth of information and assignments. They begin to question whether they need an MBA. That’s why training for a study in a business school is so important. It allows you gently merging into training rhythm.And the last thing to remember: do not forget to take care about accommodation: many leave it for the last moment, and face additional stress. Try to do everything possible to relieve your school life. This will allow you concentrating on studying and saving more strength for future career growth.
Your commercial real estate transaction does not close unless the loan is approved. You can also improve the cash flow if the interest rate for the loan is low. So the more you know about commercial loans, the better decision you can make about your commercial real estate investment.Loan Qualification: Most of you have applied for a residential loan and are familiar with the process. You provide to the lender with:
W2′s and/or tax returns so it can verify your income,
Bank and/or brokerage statements so it can verify your liquid assets and down payment.
In general the more personal income you make the higher loan amount you qualify. You could even borrow 95% of the purchase price for 1-unit principal residence with sufficient income.For commercial loan, the loan amount a lender will approve is based primarily on the net operating income (NOI) of the property, not your personal income. This is the fundamental difference between residential and commercial loan qualification. Therefore, if you buy a vacant commercial building, you will have difficult time getting the loan approved since the property has no rental income. However, if you
Occupy at least 51% of the space for your business; you can apply for SBA loan.
Have sufficient income from another commercial property used as cross collateral; there are lenders out there that want your business.
Loan to Value: Commercial lenders tend to be more conservative about the loan to value (LTV). Lenders will only loan you the amount such that the ratio of NOI to mortgage payment for the loan, called Debt Coverage Ratio (DCR) or Debt Service Ratio (DSR) must be at least 1.25 or higher. This means the NOI has to be at least 25% more than the mortgage payment. In other words, the loan amount is such that you will have positive cash flow equal to at least 25% of the mortgage payment. So, if you purchase a property with low cap rate, you will need a higher down payment to meet lender’s DCR. For example, properties in California with 5% cap often require 50% or more down payment. To make the matter more complicated, some lenders advertise 1.25% DCR but underwrite the loan with interest rate 2%-3% higher than the note rate! Since the financial meltdown of 2007, most commercial lenders prefer keeping the LTV at 70% or less. Higher LTV is possible for high-quality properties with strong national tenants, e.g. Walgreens or in the areas that the lenders are very familiar and comfortable with. However, you will rarely see higher than 75% LTV. Commercial real estate is intended for the elite group of investors so there is no such thing as 100% financing.Interest Rate: The interest for commercial is dependent on various factors below:
Loan term: The rate is lower for the shorter 5 years fixed rate than the 10 years fixed rate. It’s very hard to get a loan with fixed rate longer than 10 years unless the property has a long term lease with a credit tenant, e.g. Walgreens. Most lenders offer 20-25 years amortization. Some credit unions use 30 years amortization. For single-tenant properties, lenders may use 10-15 years amortization.
Tenant credit rating: The interest rate for a drugstore occupied by Walgreens is much lower than one with HyVee Drugstore since Walgreens has much stronger S&P rating.
Property type: The interest rate for a single tenant night club building will be higher than multi-tenant retail strip because the risk is higher. When the night club building is foreclosed, it’s much harder to sell or rent it compared to the multi-tenant retail strip. The rate for apartment is lower than shopping strip. To the lenders, everyone needs a roof over their head no matter what, so the rate is lower for apartments.
Age of the property: Loan for newer property will have lower rate than dilapidated one. To the lender the risk factor for older properties is higher, so the rate is higher.
Area: If the property is located in a growing area like Dallas suburbs, the rate would be lower than a similar property located in the rural declining area of Arkansas. This is another reason you should study demographic data of the area before you buy the property.
Your credit history: Similarly to residential loan, if you have good credit history, your rate is lower.
Loan amount: In residential mortgage, if you borrow less money, i.e. a conforming loan, your interest rate will be the lowest. When you borrow more money, i.e. a jumbo or super jumbo loan, your rate will be higher. In commercial mortgage, the reverse is true! If you borrow $200K loan your rate could be 8%. But if you borrow $3M, your rate could be only 4.5%! In a sense, it’s like getting a lower price when you buy an item in large volume at Costco.
The lenders you apply the loan with. Each lender has its own rates. There could be a significant difference in the interest rates. Hard money lenders often have highest interest rates. So you should work with someone specialized on commercial loans to shop for the lowest rates.
Prepayment flexibility: If you want to have the flexibility to prepay the loan then you will have to pay a higher rate. If you agree to keep the loan for the term of the loan, then the rate is lower.
Commercial loans are exempt from various consumers’ laws intended for residential loans. Some lenders use “360/365″ rule in computing mortgage interest. With this rule, the interest rate is based on 360 days a year. However, the interest payment is based on 365 days in a year. In other words, you have to pay an extra 5 days (6 days on leap year) of interest per year. As a result, your actual interest payment is higher than the rate stated in the loan documents because the effective interest rate is higher.Prepayment Penalty: In residential loan, prepayment penalty is often an option. If you don’t want it, you pay higher rate. Most commercial loans have prepayment penalty. The prepayment penalty amount is reduced or stepped down every year. For example on a 5 year fixed rate loan, the prepayment penalty for the first year is 5% of the balance. It’s reduced to 4% and then 3%, 2%, 1% for 2nd, 3rd, 4th and 5th year respectively. For conduit loans, the prepayment amount is huge as you have to pay for the interest between the note rate and the equivalent US Treasure rate for the whole loan balance for the remaining term of the loan. This prepayment penalty is called defeasance or yield maintenance.Loan Fees: In residential mortgage, lenders may offer you a “no points, no costs” option if you pay a higher rate. Such an option is not available in commercial mortgage. You will have to pay between ½ to 1 point loan fee, appraisal cost, environment assessment report fee, and processing/underwriting fee. A lender normally issues to the borrower a Letter of Interest (LOI) if it is interested in lending you the money. The LOI states the loan amount, interest rate, loan term and fees. Once the borrower pays about $5000 for loan application fees for third party reports (appraisal, phase I, survey), the lender starts underwriting the loan. It orders its own appraisal using its own pre-approved MAI (Member of Appraisal Institute) appraisers. If the lender approves the loan and you do not accept it, then the lender keeps all the fees.Loan Types: While there are various commercial loan types, most investors often encounter 3 main types of commercial loans:1. Small Business Administration or SBA loan. This is a government guaranteed loan intended for owner-occupied properties. When you occupy 51% or more of the space in the building (gas station or hotel is considered an owner-occupied property), you are qualified for this program. The key benefit is you can borrow up to 90% of purchased price.2. Portfolio loan. This is the type of commercial loans in which the lenders use their own money and keep on its balance sheet until maturity. Lenders are often more flexible because it’s their money. For example East West Bank, US Bank and some life insurance companies are portfolio lenders. These lenders require the borrowers to provide a personal guaranty for the payment of the loans. And thus these loans are recourse loans.3. Conduit loan or CMBS (Commercial Mortgage-Backed Securities) loan. This was a very popular commercial loan program prior to the 2007 recession where its market size was over $225 Billion in 2007. It was down to just a few Billion in 2009 and is making a comeback with issuance of almost $100 Billion in 2015. Many individual loans of different sizes, at different locations are pooled together, rated from Triple-A (Investment grade) to B (Junk) and then sold to investors over the world as bonds. Therefore it’s not possible to prepay the loan because it’s already part of a bond. These are the characteristics of conduit loans:
The rate is often lower. It is often around 1.2% over the 5 or 10 year US Treasury rates compared to 1.85-3% over the 5 or 10 year US Treasury rates for portfolio loan. Some CMBS loans have interest only payments. Since the rate is lower and borrowers are required to pay interest only, the LTV can be over 75%. Low rates and high LTV are the key advantage of conduit loan.
Conduit lenders only consider big loan amount, e.g. at least $2M.
Lenders require borrower to form a single-asset entity, e.g. Limited Liability Company (LLC) to take title to the property. This is intended to shield the property from other the borrower’s liabilities.
The loans are non-recourse which means the property is the only collateral for the loan and the borrowers do not have to sign personal guaranty. And so these loans are popular among investment firms, REIT (Real Estate Investment Trust), TIC (Tenants in Common) companies that invest in commercial real estate using funds pooled from various investors.
If the borrower later wants to sell the property before the loan matures, the new buyer must assume the loan as the seller cannot pay off the loan. This makes it harder to sell the property because the buyer needs to come up with a significant amount of cash for the difference between the purchase price and loan balance. Furthermore, the lender/loan servicer could reject the loan assumption application for various reasons as there are no strong incentives for it to do so. The loan servicer can also impose new conditions to loan assumption approval, e.g. increase reserve amount by several hundred thousand dollars. If you are a 1031-exchange buyer, you may want to think twice about buying a property with loan assumptions. Should the lender reject your loan assumption application, you may end up not qualifying for the 1031 exchange and be liable for paying capital gain. This is the hidden cost of conduit loan.
Even when you are allowed to prepay the loan, it costs an arm and a leg if you want to prepay the loan. The prepayment penalty is often called Defeasance or Yield Maintenance. Basically you have to pay the difference in interest between the note rate of your loan and the applicable US Treasury rate for the remaining years of the loan! This amount is often so high that the seller normally requires the buyer to assume the loan. You can compute the defeasance from www.defeasewithease.com website. Besides the defeasance, you also have to pay 1% loan assumption fee. This is another hidden cost of conduit loan.
Conduit loan may be the loan for you if you intend to keep the loan for the life of the loan that you agree to at the beginning. Otherwise it could be very costly due to its payoff inflexibility.Lenders Coverage Area: Commercial lenders would do business in areas they are familiar with or have local offices. For example East West Bank will only consider properties in California. Many commercial lenders don’t lend to out-of-state investors.Lenders Coverage Property Types: Most commercial lenders would only consider certain types of properties they are familiar with. For example Chase would do apartments and owner-occupied office buildings but not retail properties or gas stations. Westford Financial specializes on church financing. Comerica concentrates on owner-occupied properties.Lenders Escrow Accounts: Most lenders require borrowers to pay 1/12 of property taxes each month. Some lenders require borrowers to have repairs and/or TI (Tenants Improvement) reserve account to make sure the borrowers have sufficient funds to cover major repairs or leasing expenses should existing tenants not renew the leases.Conclusion: Commercial loans are a lot more complex and difficult to obtain with loan approvals more unpredictable than residential loans. As an investor, it is in your best interest to employ a professional commercial loan broker to assist with your commercial loan needs. By doing so, you will vastly improve your chances of paying lower interest rates, avoid potential pitfalls and improve your chance on getting the loan approved.
Wrought iron furniture has a lengthy history, dating back to Roman times. In 17th Century Britain, William and Mary; lovers of French baroque style wrought iron, employed a skilled craftsman to create exquisite iron art on demand. The style then swiftly swept the nation, in gates, railings and then furniture. This love affair continued throughout the Victorian era to present day.There are many reasons wrought iron furniture has been used for centuries in the elegant gardens of high society Europeans. Here are 7 of them, demonstrating why ‘worked’ iron really is the only choice when it comes to fashionable, functional garden furniture:Fashion1. Classic, Elegant, TimelessWrought Iron Furniture is the epitome of classic, elegance. Conjuring up images of sophisticated al fresco parties, romantic candle-lit dining and luxuriously long lunches – your Wrought Iron Furniture will not disappoint. To make a statement that screams refinement and class, choose wrought iron.Just like in bygone days when furniture was bought to last lifetime, you need never worry that it will go out of style. A classic design will keep you in mode for decades to come; you’ll never need to replace it. Your wrought iron furniture can be graceful, subtle with intricate curling work and or bold, striking with a more contemporary twist.2. UniqueIron designs are not manufactured, they are created. Metal can be sculpted to form the most unique patterns and designs. You could even have something custom made. An additional benefit is that it’s available in colours too. Stay smart with black, choose cream for a shabby chic look or white for a pure grace. Different finishes are normally available too, such as patina for an antique look.3. VersatileWrought iron furniture is available to suit modern decor as well as an antique décor. Do not rule it out as you think it’s too Victorian. It is available in very modern, striking designs these days, not just the old-fashioned, traditional twists and curls.It is so versatile it will fit into any existing décor or landscaping, especially if you go for black or grey. This makes it a great choice to go indoors too – in conservatories and summer houses. It will lend itself to whatever the existing décor dictates. If you include cushions that tie in with the décor, it will look as if it was designed just for that space.4. ExtendableWrought iron can be the basis for an entire garden theme. There are many beautiful wrought iron accessories out there that will complement your furniture; plant stands, light fittings, wall art, pergolas. As the material is so versatile, these are available in many intricate designs. This theme can work well with many landscaping styles; rustic Old-Tuscany, minimalist, edgy or even Oriental.Function5. Durable & Weather ResistantWrought iron furniture is almost indestructible. The hardest wearing and most weather resistant garden furniture you can buy. It is tough and sturdy, you need not worry about it bowing or breaking. Powder coated wrought iron will withstand anything; it is chip and scratch resistant and will not rust or corrode over time.Wrought iron surpasses every other material in this category. A wooden patio set will quickly decline when exposed to the weather for a few seasons. No matter what your climate or conditions, come rain or shine, the beauty of your wrought iron furniture will remain intact. This makes it the perfect choice for those who live in areas with harsher environmental conditions.6. Low MaintenanceWash when necessary with soapy water and rinse, no sanding down, applying oils or stains for protection. Choosing this material will save you time and money.7. HeavyWhen it comes to patio furniture – the heavier it is – the better. There is nothing more infuriating than your furniture being blown over in wind and storms. With iron, you can sit back and relax, knowing your furniture will stay put.So, there you have it – that’s why wrought iron wins. It is so worth making the investment in timeless, quality garden furniture that will last. Wrought iron furniture is the ideal choice, superior in fashion and function to any other material.
As the world turns, more and more people are experiencing some of the hardest times of their lives financially. Having to deal with the fact that paydays and hours have been cut making for less money and overdrawn bank accounts. The over the limit fees certainly to not make the situation any easier for the consumer either. The fees can range anywhere from $25-50, depending on the institution that the bank account is with. There are ways to avoid the horrible over the limit fees and keep your good standing with your financial institution.When it comes to being overdrawn with your checking account, the only thing that can be done is paying the fees back which in some cases can be quite outstanding along with the amount of the check or debit. Most banks allow the biggest and most expensive checks to go through first which allow for the other smaller checks to bounce just as well thus creating more fees and income for the bank. Some people have resorted to taking out online cash advances in order to keep their checking accounts in good standing.Payday loans can be better known as cash advances, short terms loans, personal loans, payroll deposit loans and course payday loan. They are becoming one of the smartest ways to manage your finances as they can cost significantly less than any bank account over the limit fees. They can be fast, easy to use and very secure when choosing the right business to work with. Payday loans are used as a short term loan that can be used for just about anything, so they are perfect for trying to avoid over the limit fees with banks. At the time of taking out the loan the predetermined amount of fee is going to be included in the amount that is given to you. It is going to be clearly stated on any paper work that is filed. These fees are going to range on the amount of money that is borrowed and typically the amount that can be borrowed is around $100-500. They can take just minutes to process and can be in your checking account within a couple of hours.Payday loans offer a better approach to trying to avoid any over the limit fees with banks. There are programs that allow money to be taken directly from your savings account and kick in when the account is close becoming overdrawn also. If there is no money in savings account though you are going to be in as much trouble as before and getting over the limit fees charged to account. There are negative aspects to doing this kind of thing though as there can be fees charged to your checking or savings each time there is money transferred. Usually as an overdraft occurs the fees are going to grow making both the accounts very overdrawn.Payday loans offer great benefits when it comes to trying to avoid any overdraft fees that comes with dealing with a bank. Payday loans are only going to have one certain set fee amount that is disclosed before is given to the consumer. They offer some of the easiest and fastest applications on the web and can have your cash deposited into your account the very next day or the same day the loan was processed. You can also find many payday lending institutions in your local area, you just need to check and see if payday loans are allowed to be given in your area. Payday loans can be taken advantage of online anywhere from 24/7 to certain days and hours from the privacy of your own home.
If you have ever been discriminated against when applying for a job, or at your current place of employment, then you may wish to hire an employment lawyer to help assure that your rights are protected. These rights include rights as a person, employee and your rights to privacy.If you have been wrongfully terminated from your job, then an employment lawyer can either help you regain your job, or an employment lawyer can assure that you receive adequate compensation as you look for another job. If you have been wrongfully terminated when you are close to becoming eligible for retirement, an employment lawyer can ensure that you receive your retirement benefits even if you do not get your job back.If a co-worker or supervisor makes improper comments or advances against you (especially if you are female, but males are subject to this treatment as well) then you may wish to hire an employment lawyer to handle the problem for you since, as is often the case, these improper advances are ignored by employers. They may simply warn an employee (or worse, accuse you of wrongdoing) but they may feel that it’s no big deal. Your employment lawyer can handle the problem by getting the employee fired, or moved to a different department, much better than you ever would be able to. If you are wrongfully terminated or demoted because you complained, then an employment lawyer can get you appropriate compensation or your job back.Sometimes companies will not heed the law when it comes to rights guaranteed to employees. Certain rights such as overtime wages that are required to be paid if you work any amount of overtime, times allotted for breaks throughout your day and also the number of hours required to work per week. If your employer does not provide you with a sufficient number of breaks, does not pay your overtime wage, or expects you to work an obscene amount of overtime per week then you may wish to consult with an employment lawyer. Your employer has to follow laws in the workplace just as you have to follow as a Citizen. An employment lawyer will ensure that your rights are protected and that you get everything you deserve as an employee including proper compensation for working overtime, adequate breaks and time for lunch and of course, adequate time to spend with your family each week.If you are seeking a job, there are certain things required during the job selection process. Employers have to have certain things before they hire you. These requirements may include your name, address and social security number (or proof of citizenship). Without these, they can’t pay you. They can also require information about your education, training and previous job history to help them make a determination as to whether you are suitable for the job that you are applying for or not. What they cannot check is your credit history and they cannot do a background check unless you grant them permission to do so. Your credit history should not pertain to the prospective employer, and if one asks for your credit history you should always contact an employment lawyer before granting any employer access to this. Your privacy should never be violated in this manner. If you find that it has been, you should hire an employment lawyer as soon as possible.However background checks are often needed for certain types of employment. If you are seeking a job as a Peace officer or security guard, or if you will be in charge of very sensitive information, then a background check would be in order. But most jobs have no need for a background check, and if an employer is asking for one, you should always seek advice from an employment lawyer before you ever voluntarily grant permission to have one done.
When I decided to sign up for yoga classes I had no idea there were so many different types of classes offered. In fact, I was rather embarrassed when the instructor I was talking to asked me what kind of yoga I was interested in and I had no idea what to say to her. What types of classes are out there and which one is right for you?The variety of yoga classes available nowadays is endless, especially now that yoga instructors have taken to combining various methods of yoga into their own personal style. That being said, there are a few more popular yoga methods taught at most of the yoga studios today. These include Bikram, power yoga, restorative, yoga and yoga.• If you want an intensive yoga experience that incorporates a comprehensive yoga workout with a yoga studio heated up to 105 degrees than Bikram is probably what you’re looking for. This method of yoga promotes flexibility, strength, endurance, weight loss and body detoxification.• Power yoga is a recently-developed yoga method that was established in the United States. It is an intense yoga workout that focuses on fast-paced, advanced yoga poses meant to build power and work your body harder.• If you want a relaxing yoga experience then restorative yoga classes might be what you’re after. This yoga method incorporates blankets, blocks and yoga bolsters into the class and focuses on relaxation rather than an intensive workout.• Anada is great for those who are interested in meditation. This method of yoga focuses on the movement of energy and the alignment of the body. If you are more interested in the mental benefits of yoga than the physical, Anada classes are probably your best bet.• If you are restricted by age or a previous injury then Iyengar will be gentle enough for your needs. These yoga classes incorporate blankets, cushions and straps into the poses to make them easier to accomplish.• If you have a specific goal in mind then you might want to look at tailored yoga classes such as those geared towards couples, pregnant women or individuals seeking weight loss solutions. These classes often incorporate a mixture of styles to achieve the goals of the students.Not all yoga classes are created equal and if you want to find the class that’s right for you then you need to understand the differences between them. Check with your local studio to find out what types of classes are being offered and talk to the instructor about which types of classes you are most interested in.
Who doesn’t want an excellent commercial design? Excellent commercial design is important to maintain the reputation and brand image of the company. As it is said, the first impression is the last impression, a good impression always attracts potential customers. It’s obvious no one would ever love to walk in a congested environment with bad lighting.
Bad design and interiors deteriorate the productivity of the employees. It can be a confusing task when planning a commercial designing project for the first time, hiring expert Commercial Architects Melbourne can be the best option to know about the latest trends and perfect matching designs.
This blog is about some basic rules to consider for making the commercial project successful.
Keep structures versatile
When it comes to transforming any commercial space, focusing on convertibility and keeping office interior decor versatile can be the best option. It can be done by implementing a versatile structure to spaces such as cafeterias, offices, and many more. Everyone gives preference to comfort hence, focusing on spatial and versatile design will help to complete commercial designing projects in an optimal way.
Consider the latest technology implementations
Technology plays a supportive role to enhance the commercial designing project. Moving forward with the latest technology is important to execute any business smoothly because technologies make the work much easier and comfortable for the employee as well as organizations. Implementing centralized and decentralized digital control is much needed in any commercial design.
Keep office aesthetics updated
Good aesthetics and interiors impact the overall representation of the office and make the place functional and attractive. Hire a reputed designer for modern décor and furniture ideas. Hiring a designer reduces half of the project stress and helps to meet the contemporary fashion and latest trends. They can help to choose the perfect theme that blends well with the office decor, atmosphere, and colour.
Provide personalized space to prevent congestion
Majority of customer prefers personalized space such as different seating to seat comfortably and do the personal work. Personalized space is one of the crucial factors for customer-based service offices such as hotels and cafeterias to provide an ambient and comfortable place.
Always keep safety first
Safety is the central feature of every construction and designing project. Hence, it’s the high-priority factor to keep the aesthetic and functional safety at the working place. It can be compromised for interior decoration and design purposes but it’s not at all affordable to compromise for safety purposes.
Following the above useful ideas can easily help in the successful completion of a commercial designing project in a safe and pleasing way. In today’s, modern construction, reliability, and comfort is also an equally important factor.
It’s important to hire the experienced Building designer Melbourne to make the commercial designing project worthy. Hope the above rules helped you to scale up your interior designing projects with a better outcome. Follow the above tips for any renovation or remodelling project and surely you will get award-winning and achieve a better office experience.