Fewer Queenslanders are applying for mortgages according to new research.Mr Luffman said the figures could indicate people were turning to credit to support their household and discretionary spending.“Given the current subdued growth in household incomes, and below-neutral consumer sentiment, it is understandable that Australians may be becoming more circumspect in their use of consumer credit products,” he said.Mortgage applications are a good indicator of homebuyer demand and housing turnover.It comes as Brisbane home prices recorded their slowest rate of growth in four years over the past financial year, rising just two per cent, according to CoreLogic. Fewer Queenslanders are applying for home loans according to new data. Picture: Chris PavlichThe finding comes after CoreLogic data revealed the number of homes up for auction across Sydney, Melbourne, Brisbane, Adelaide and Perth fell for the fourth straight week in the seven days to July 16.More from newsMould, age, not enough to stop 17 bidders fighting for this home3 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor3 hours agoGET THE LATEST REAL ESTATE NEWS DIRECT TO YOUR INBOX HERENationally, consumer credit demand rose 10.3 per cent in the June quarter, driven mainly by a surge in personal loan applications, according to Equifax’s latest Quarterly Consumer Credit Demand Index.Credit card applications in Queensland rose 4.5 per cent in the three months to June, the second largest increase after Tasmania.Personal loan applications also picked up strongly in Queensland — jumping 19.6 per cent during the quarter.Extreme inner-city renovationDo these five things before you make an offerBuyers with a bad case of FOMO Fewer Queenslanders are applying for home loans, according to new research. Picture: Brendan Radke.FEWER Queenslanders are applying for home loans in another sign the state’s housing market is beginning to cool.Mortgage applications fell 3.4 per cent in Queensland during the June quarter, according to credit reporting agency Equifax.Nationally, home loan applications were down nearly one per cent during the quarter.Equifax senior general manager Angus Luffman said it marks the second consecutive quarter of declining mortgage applications, signalling the start of a “downward trend” in all states.“Any debate about whether the housing market is softening should now be put to rest,” Mr Luffman said.“We can clearly see that, even in the historically strong geographies on the eastern seaboard, mortgage application demand is slowing or already in decline.”
Building Codes were established a long time ago as a way to ensure a minimum level of safety and sanitation. Plumbing codes keep our houses sanitary. Electrical codes reduce the risk of accidental electrocution and our homes from burning down. General building codes help stop the spread of fire if they do burn, but they also dictate structural stability based on natural calamities such as hurricanes, earthquakes, wind, flooding or temperature conditions as well as man-made events such as fires. It also mitigates slow degradation that can lead to structural catastrophes, like rotting beams or deck ledgers — it seems like every year we hear about a second or third-story deck collapse.Perhaps the most important part of the safety and sanitation mission is dictating a minimum standard without unintentionally creating un-affordability. If no one can afford to buy a home, it doesn’t matter how safe or sanitary it is built.The International Code Council (ICC) publishes the International Building Code, International Plumbing Code, International Mechanical Code and the International Fuel Gas Code. These codes are the typical reference documents for a new commercial building. The ICC also publishes the International Residential Code (IRC) that is normally the reference document for new homes. The IRC includes architectural, structural, energy efficiency, plumbing, mechanical, fuel gas and electrical provisions all in one book, but for new construction. The International Property Maintenance Code sets out the minimum code requirements for existing buildings. This code establishes those conditions that are regarded as unsafe and allows an inspector to order repairs necessary to mitigate the unsafe condition. The International Energy Conservation Code goes farther than the IRC in energy efficiency measures and is more commonly used for commercial buildings.Uniformity and consistency across the nationBuilding Codes have been historically regulated at the local or state level in all 50 states. The need for more consistency has lead to model codes across large regions of the country. The result in the early twentieth century was three separate major codes developed by different associations — the Uniform Building Code (ICBO), the Southern Building Code (SBCCI), the BOCA Basic Building Code (BOCA) and the One and Two Family Dwelling Code (CABO). While this was an improvement, it still was cumbersome for the builders, architects or engineers working in more than one jurisdiction.Worse, the different standards meant that various parts of the United States had higher or lower standards for safety, sanitation and health. However, with the advent of the IRC in 2000, this improved dramatically. The IRC, now in its 4th edition, is adopted in 48 states and the District of Columbia. Now the country is more consistent in building code enforcement that ever before. While the model codes help establish uniformity across the continent, each jurisdiction amends the code to reflect local tradition, custom, or circumstances. Because of this, building codes still sometimes conflict across city, county or state boundaries. Over time, these boundary disputes will become fewer, but thanks to the 10th Amendment to the Constitution, they will always be present. Because of state autonomy guaranteed by the 10th amendment, there will never be a federally enforced building code across all 50 states. Hopefully, there will be more consistency as more states decrease local amendments.
Microsoft took a step toward creating – and owning – the Star Trek holodeck this week via a patent application that introduces the concept of a “peripheral display” that can project game scenes onto the walls, ceiling and floors of a room.The idea, according to patent application number 20120223885, is to improve the realism of the display, so that the player is immerse more thoroughly in the game world.Right Out Of Star TrekThat’s not too far away from the holodeck concept introduced in Encounter at Farpoint, the premiere episode of Star Trek: Next Generation where the crew members enjoy simulated experiences in a room where holographic projections layered on extruded force fields and replicated matter give the illusion of reality. (OK, maybe it israther far away, but one step at a time.)Microsoft already has produced one of the most immersive peripherals for a video game: Kinect, whose infrared “eyes” can detect a user’s skeleton, face and voice, recognizing him and placing him in a virtual world. Players can interact with virtual objects by kicking, punching, or grabbing them – although such interactions must by necessity take place within the two-dimensional frame of the TV screen.What Microsoft’s patent application proposes is a way to reduce the awareness that you’re sitting in front of that screen:Even when focused on the display, the user may perceive architectural and decorative features of the room the display is in via the user’s peripheral vision. Such features are typically out of context with respect to the displayed image, muting the entertainment potential of the media experience. Further, because some entertainment experiences engage the user’s situational awareness (e.g., in experiences like the video game scenario described above), the ability to perceive motion and identify objects in the peripheral environment (i.e., in a region outside of the high resolution display) may intensify the entertainment experience.” Related Posts What the patent application offers is the ability to go beyond that limitation, projecting “peripheral” images onto the walls, ceiling and floor of a player’s living room. The application suggests that the “depth camera” (the existing camera used by a Kinect or some next-generation device) could be placed next to an “environmental display” projector, so that the same unit could project images around the user. More sophisticated setups could use more than one RGP projector. Instead of “surround sound,” think of a “surround display.”Next Step? 3D!Microsoft even goes so far as to suggest that a properly placed arrangement of cameras could enable 3D “wiggle” stereoscopic images on the walls, improving the experience even further. The patent application also mentions that the projected images would account for the angles of the walls and other scenery – a feat that Intel accomplished in real life this week, and with a Kinect, to boot.As for a controller – who needs it? An improved Kinect-like device could also be used to track the player’s eyes or face, letting those serve as controls, the patent suggests.Of Course There’s A CatchOf course, there are a significant number of issues Microsoft doesn’t really account for, such as the number of projectors needed to create an actual image. Players may not be able to tromp through the living room hunting space aliens without tripping over a coffee table or couch. (But imagine the hilarity of a game that superimposed a virtual Covenant Hunter over your wedding photo!)There might also be problems with orientation; the patent application suggests that players could turn around and see a virtual enemy sneaking up behind them. If a game player was able to orient himself independently, he or she would end up interacting primarily with the display projected on the walls, not the HDTV. To think of this another way: if the HDTV always represented the north-facing view in the game, any time the player wanted to run south, or east, he or she would be facing the wall. And if the game rotated back to accommodate the player movement, there would really be no way to interact with an enemy behind you.Still, we can’t help but be excited about any progress toward creating the much-loved Holodeck. 9 Books That Make Perfect Gifts for Industry Ex… Tags:#gaming#Microsoft#web 5 Outdoor Activities for Beating Office Burnout 12 Unique Gifts for the Hard-to-Shop-for People… markhachman 4 Keys to a Kid-Safe App
WEEKLY FOOTBALL PICKSSaturday’s Games:New Mexico State @ No. 17 Ohio StateNo. 3 Texas @ No. 14 Oklahoma StateNo. 5 USC @ No. 10 OregonQuinn PitcockOhio State, Texas, OregonOverall: 11-4 Last week: 2-1Pitcock played defensive tackle for OSU from 2002–06.Marcus FreemanOhio State, Texas, USCOverall: 9-6 Last week: 3-0Freeman played linebacker for OSU from 2004–08.Justin ZwickOhio State, Texas, USCOverall: 9-6 Last week: 2-1Zwick played quarterback for OSU from 2002–06.Malcolm JenkinsOhio State, Texas, OregonOverall: 8-7 Last week: 2-1Jenkins played cornerback for OSU from 2005–08.Zack MeiselOhio State, Texas, USCOverall: 7-8 Last week: 2-1Meisel is the sports editor for The Lantern. New Mexico State travels to Columbus to face No. 17 Ohio State Saturday on Halloween.The Aggies (3-5, 1-3) are not expected to give the Buckeyes (6-2, 4-1) much of a scare, but OSU coach Jim Tressel remains firm in his stance that his team cannot afford to overlook any opponent.Purdue held a record of 1-5 when it upset OSU in West Lafayette, Ind.“To me, focused is having a moment-by-moment awareness of what needs to be done,” Tressel said. “I don’t feel like we did a great job of having that focus or awareness a couple weeks ago. … Purdue did what you have to do. They got five takeaways, they did this and they did that. If we have an understanding of what needs to be done today, we go do that as well as we can do it.”Saturday’s contest is a rare non conference game, breaking up the eight-game Big Ten slate.While the Aggies hope to come into The ‘Shoe and trick a confident Buckeye squad, their struggling defense could be a treat for a progressing OSU offense. New Mexico State has allowed 28 points and nearly 370 yards of offense per game.After five turnovers and only 18 points against Purdue, the Buckeye offense produced more than 500 yards against Minnesota during Saturday’s 38-7 victory.Tressel said he was satisfied with the evidence of offensive progression, which must continue this week against the Aggies.“I hope that they do understand that the progress we make or we don’t make will affect the next time we play when we get back in the conference. They seem to be a group that is willing to take instruction and if it’s reasonable, if it makes some sense, yeah, it makes some sense, we need to get better, well, let’s go get better. I don’t think that’s going to disrupt us.”The injury bug has taken its toll on the Buckeye roster, especially at running backs. Against Wisconsin on Oct. 10, Dan Herron reinjured the ankle he had sprained two weeks earlier, and Brandon Saine suffered a concussion during last week’s rout of Minnesota. Both backs’ statuses are up in the air, Tressel said.“If Brandon Saine is cleared, Brandon’s playing,” he said. “If ‘Boom’ Herron is cleared, he’s going to play. This is an important game, that’s one thing. We need to get better. That’s just as important. So the best chance you have to get better is on Saturdays.”New Mexico State has had its share of quarterback struggles. Jeff Fleming and Trevor Walls have split the duties, combining for four touchdowns and 11 interceptions, while completing just 52 percent of their passes.No matter how inferior an opponent the Buckeyes might face on any given week, Tressel said he wants his troops concentrating on improving.“This is game nine,” he said. “We’ve got to progress. I’m not sitting here today saying, you know what, I think we’ll put this guy in or that guy in. No, we’re going out all barrels blazing and do what the situation calls for.”
New coach, no problem. Despite being saddled with the difficult task of replacing a program legend, first-year Ohio State coach Kelly Kovach Schoenly is embracing her new role at the helm of the Buckeyes softball team. Prior to Schoenly’s arrival from Miami (Ohio), OSU had been under the direction of former coach Linda Kalafatis, who compiled 538 wins and six NCAA Tournament appearances in her 16 seasons leading the Buckeyes. Kalafatis was let go in May after OSU declined to renew her contract. “I have a ton of respect for (Kalafatis) and the coaching staffs she’s brought to the program through the years,” Schoenly said. “We constantly tell the girls she’s part of our tradition … She’s a great coaching legend for the Ohio State softball program and I’m proud to follow in her footsteps.” While replacing a program stalwart is difficult enough, trying to get 21 players, 17 of whom played under the previous regime, to buy into a new coach’s identity can be equally challenging. “Every group of girls is going to have its own mentality,” Schoenly said. “So you just want to embrace the personalities in the group that you have. I’m not trying to change them, you have to find the strength in each kid and let it come out.” With wins against three ranked opponents (No. 8 Georgia, No. 16 Louisville and No. 14 Arizona), Schoenly’s Buckeyes are off to a hot start at 9-6. “I think the team has responded great,” said senior third baseman Megan Coletta. “It was a fresh start for everyone and the (new) coaches made it really easy with how they were open to us and very friendly with us.” Coletta said there haven’t been any issues with the new staff so far and that everything is going smoothly in the early season. “All of our new coaches are really energetic and lively,” said freshman utility fielder Cammi Prantl. “The team’s feeding off their energy and creating our own energy. I think everyone likes the positive environment.” During the transitional period after Kalafatis’ departure and Schoenly’s arrival, the team’s four seniors led off-season workouts to keep the women on the same page and to welcome the incoming freshmen to a coachless environment. “It’s not like we’re just freshmen to them,” Prantl said. “We’ve been included in the group the whole time.” The summer workouts paid dividends for the team’s eventual bonding once Schoenly was named coach. “This summer when there wasn’t a coach at all, the seniors were really involved with keeping the freshmen active,” Schoenly said. “(The seniors) were like little assistant coaches before we arrived, just keeping the freshmen on track and wanting to be here.” With the Big Ten season looming after OSU’s spring break, Schoenly said the real test begins once her team starts conference play against Indiana on March 22. Each day the OSU softball team spends together, they get closer and more familiar with the ways of their new head coach. The team knows the growing pains they suffer now will help them better prepare for the grind of conference play. “The adjustment is having to get to know all 21 (players),” Schoenly said. “You have to find out which buttons to push for which kids, and that takes some time to learn … My goal is to find out which kids fit what roles and to put them in positions to have success.” OSU is next scheduled to take on Maryland on Saturday at 1 p.m. in College Park, Md.
The Big Ten conference has submitted a set of recommendations to the NCAA — including redefining the cost of education and providing improved medical insurance — that it says would improve the college experience for student-athletes who are in “good-standing” with their respective universities.The release is in response to the NCAA’s new autonomy structure that was announced in August which allows the Atlantic Coast, Big Ten, Big 12, Pacific 12 and Southeastern conferences to make their own rules concerning scholarships, full cost of attendance and health care for student-athletes.The release by the Big Ten listed four main suggestions its made to the NCAA includingCost of education: Make sure full grant-in-aid meets a student-athlete’s cost of education, as determined by the federal government.Multi-years Scholarships: Guarantee all scholarships so even if a student-athlete is no longer able to compete, there won’t be an impact on a university’s commitment to provide an undergraduate education — no matter what the reason is that student can’t compete.Lifetime educational commitment: Ensure that scholarships don’t have an expiration date, so if a student-athlete leaves a university for a professional career before graduating — whether the career materializes, and regardless of its length — the scholarship will be honored after his or her playing days are complete.Medical insurance: Provide improved and consistent insurance for student-athletes.The release added that Big Ten athletic programs provide almost $200 million in direct financial aid to student-athletes on 350 teams in 42 separate sports.
Then-sophomore attackman Jack Jasinski heads for the goal in the fourth quarter during the first round of the NCAA tournament against Loyola Maryland on May 14, 2017. Credit: Sheridan Hendrix | Former Oller ReporterThe Ohio State men’s lacrosse team will face its biggest test of the season to this point when it travels to take on No. 11 Notre Dame in South Bend, Indiana, on Saturday.Despite being the only undefeated team left in Division I, the Buckeyes (6-0) have yet to face a ranked opponent this season, and the Fighting Irish (4-2) will be the first.“To beat a team like Notre Dame, you’re going to have to be pretty buttoned up in almost every area, so that’s where our focus has been,” Ohio State head coach Nick Myers said.The No. 5 Buckeyes come into the game with some rest after their game scheduled against Denver last Saturday was canceled due to weather conditions.Myers said he was disappointed in not being able to play, but said the team used its break to come together as a team. But not playing a game since March 9 could prove to be costly for the Buckeyes.“Having two weeks off presents some positives but also so some challenges,” Myers said. “There’s a rhythm that you lose.”Notre Dame got back to its winning ways against Michigan on Tuesday, winning the contest 12-9 off the heels of senior Brendan Gleason’s two goals and an assist. The Fighting Irish also have two ranked wins against No. 4 Maryland and No. 13 Denver.The matchup between the two teams look very similar on paper. Ohio State and Notre Dame have a nearly identical scoring defense, with the Buckeye ranked 12th and Notre Dame ranked 13th. To Myers, the X play will be crucial to the overall success of Ohio State.Ohio State’s sophomore midfielder Justin Inacio has been dominant this season in the faceoff circle with a 63.6 win percentage. Inacio has also been massive on the ground game, ranking No. 5 in ground balls, recording 10.17 per game.Ohio State junior midfielder Christian Feliziani has helped a lot with the faceoff unit, not only with his on-field performance, but through his leadership.“Because of an injury, I couldn’t do a lot in the fall physically, so I tried to use my voice and what I could from the sidelines,” Feliziani said. “I would like to say I was a coach kind of.”Notre Dame junior faceoff specialist Charles Leonard picked up a career-high 16 ground balls last week against Michigan, and was also dominant in the faceoff play, winning an impressive 20-of-24 faceoffs.Saturday will be the 44th matchup between the teams, with Notre Dame leading the series 34-9.No. 5 Ohio State will take on No. 11 Notre Dame on the road at 1 p.m Saturday.
Niklas Sule has been left amazed by Manuel Neuer’s impressive comeback from injury after the goalkeeper played a competitive training match for GermanyThe Bayern Munich captain sustained a broken foot in September last year, which left him out of action for their entire campaign with Sven Ulreich having occupied his place in the squad since as they won a sixth successive Bundesliga title.However, Germany boss Joachim Low included Neuer in his preliminary squad for next month’s tournament in Russia with the aim of properly assessing the 32-year-old’s fitness levels before making a final decision.Neuer continued with his progress from injury by playing in a test match for the Germany u20 side against the senior side and completed 30 minutes.The captain now looks set to be confirmed in Low’s final 23-man squad and Sule could not hide his admiration for him, who he calls the “best keeper in the world”.“At first I couldn’t believe it, when Manu did his first training after four months out and sensationally saved one ball after the other. It was as if he had never left,” said the defender, according to Goal.“I hadn’t witnessed something like that before. His body language is simply incredible.Top 5 Bundesliga players to watch during the weekend Tomás Pavel Ibarra Meda – September 11, 2019 With the international activity cooling down for the next month, we go back to the Bundesliga’s Top 5 players to watch next weekend.The German…“He is the best keeper in the world, and for me, it is great to play with him at the Bayern and cause him problems by shooting my swirling shots on goal.”A fit Neuer is normally the undisputed number one at Germany and assistant coach Thomas Schneider backed him to be ready to start if required.“The coaches Jogi [Low, head coach] and Andi [Kopke, goalkeeping coach] talked to Marc-Andre, who had a very good season and is an important part of the team since the Confederations Cup last year and who got even better this year,” he said.“But Manu is a complete goalkeeper. His name, the way he moves, his presence on the pitch and his technical skills. He has been named the world’s best goalkeeper for a reason.“Of course it is no easy situation for Marc now, but when you have such an unbelievably good goalkeeper in your team like Manuel, you want him to play.”Neuer is expected to play in his first proper competitive match against Austria on Saturday in a friendly.
Everton boss Marco Silva says he is delighted to see Richarlison scoring goals but was more impressed with his all-around performance in the gameRicharlison grabbed a brace for 10-man Everton, however, they settled for a draw at the end in Silva’s first competitive game in charge.“It was an excellent performance from a player I know can play like this,” added Silva.“It’s not just his goals. He works hard, makes runs and I’m pleased to see him score two goals, but the most pleasing thing is the team performance.Jose Mourinho is sold on Lampard succeeding ar Chelsea Tomás Pavel Ibarra Meda – September 14, 2019 Jose Mourinho wanted to give his two cents on Frank Lampard’s odds as the new Chelsea FC manager, he thinks he will succeed.There really…“I’m very proud of my players… To play nearly 50 minutes with ten men and show the level of performance that we did against a good side is very pleasing.“After we went 1-0 up, perhaps we could have done more but the display in the second half was outstanding, and the team did well.“We could have won, but I think we can be pleased with how we played and go on from here for the rest of the season.”
Arsenal forward Pierre-Emerick Aubameyang has thanked the supporters after he scored a brace in their 4-2 victory at home against Tottenham Hotspur.Aubameyang converted a first-half penalty and scored a second-half equalizer as Arsenal came from behind to win 4-2 against Spurs in Sunday’s North London derby.“We had a great first half but after the first goal we conceded, we had a moment where we were a bit down,” Aubameyang told the club’s website.“At half-time we were confident. We spoke and we knew that we could do it in the second half, to come back. We did it. Then we had the fans behind us and we had power, we felt strong. We went for the win.”Merson believes Arsenal should sign Sancho Manuel R. Medina – September 14, 2019 Borussia Dortmund winger Jadon Sancho might be the perfect player to play for the Gunners, according to former England international Paul Merson.The victory took Arsenal to fourth place in the table, but Aubameyang insists that their performance is more important.“I think the most important thing right now is the performances. Of course, we want to continue this form and we’re still winning games,” he said.“We’re unbeaten, so it’s great at the moment. We just have to keep going.”