Florida Lifestyle Homes building a tradition of success

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When two furnished models by Florida Lifestyle Homes both recently claimed industry awards, they continued a long tradition of award-winning homes by the builder.

“We view these various awards as an affirmation of our on-going design innovation and consistent quality,” said Bill Ennen, president and founder of Florida Lifestyle Homes. “Our team spends a great deal of time doing research and exploring new products before we begin each model. We listen to our buyers to enhance features they say are important. We review every detail as we design our new models.

“Our goal is to present a home that illustrates the fine craftsmanship our company provides and the best materials available with a focus that appeals to the way people want to live,” he said. “We see each model as a showcase of our team work and skills.”

When  judging is done by industry professionals who live outside of the county, that enhances the credibility of the award, Ennen said.

“The awards reflect the fact that professionals in this business as well as the general public recognize the creativity, attention to detail and quality we build in each home,” he said, “and they show our strategy of research and on-going improvements is successful.”

The St. Martin II model at Quail West Golf & Country Club has claimed several awards including top honors from the Lee Building Industry Association as well as recent Sand Dollar awards from the Collier Building Industry Association. The home reflects the influence of West Indies style while using contemporary expanses of glass to take full advantage of the golf course views. With a total of 7,771 square feet under roof, the St. Martin II flows seamlessly from indoor to outdoor living spaces. The home includes four bedrooms, four full baths and a powder room. The open design offers a great room, spacious dining room and a study. The gourmet kitchen features double islands, state-of-the-art appliances and a walk-through butler’s pantry with preparation space.

A benchmark feature of homes by Florida Lifestyle Homes is the creation of outdoor spaces. The St. Martin II is no exception. The design includes two connected lanais. At the end of a 38-by-22-foot lanai is a living area with a fireplace. Set beneath a diagonal cypress beamed ceiling is a 27-by-21-foot lanai with a complete outdoor kitchen and bar. The unique custom pool design includes a spa, a special water feature, two turf-grass sunning areas and a fire pit and raised seating area. A putting green adjacent to the pool decks provides the ultimate in outdoor living.

Another characteristic of homes by Florida Lifestyle Homes is the application of intricate ceiling details that illustrate fine craftsmanship reminiscent of Golden Age European homes. These features are prominent in the Key Largo at Naples Reserve from the first step into the entry, which is highlighted by a soaring tray ceiling. The great room and kitchen are each crowned with a recessed ceiling fitted with dramatic suspended crossed-beam details. A double tray ceiling accentuates the dining area. The master bedroom includes a coffered ceiling accented with a ship lap pattern while the bath features a tray ceiling with chandelier suspended over the jetted tub.

The Key Largo is an open great room plan in the coastal tradition with three bedrooms plus a study, three full baths and a powder room in 3,045 air-conditioned square feet. With the outdoor living area, three-car garage and covered entry porch, the Key Largo encompasses 4,637 total square feet.

“One of the outstanding features of the Key Largo is the amazing lake view,” said Amber Cory, sales professional with Florida Lifestyle Homes. “Here, too, Florida Lifestyle Homes has created a wonderful outdoor living space that takes full advantage of that view. The primary lanai includes an outdoor kitchen and beautiful custom pool that provides the perfect place for the owners and their friends to spend a pleasant afternoon or evening. There is also a separate lanai accessed from the master suite, offering a quiet space to enjoy morning coffee.”

The Key Largo also earned accolades and recent awards from the Collier Building Industry Association competition. The Key Largo is available for purchase, priced at $1.45 million, with designer furnishings by Norris Home Furniture & Interiors included.

The latest awards add to the history of honors Florida Lifestyle Homes has received, Ennen noted. In 2016 the St. Bridget model earned the Superior Homes award as well as awards for Interior Design and Pool Design. The same year the company was presented the CBIA Overall Excellence in Construction award. In 2015 the Antilles model earned the Superior Home Award as well as a number of other awards. And before that the Cambridge and Windsor models claimed their share of honors.

“All of these awards simply serve to prompt us to not only meet the expectation of quality but to exceed the performance of the previous year in every single home we build,” Ennen said. “In the long run, we believe it is our customers who benefit by having the assurance of a superior quality home.”

Florida Lifestyle Homes Inc. is a preferred builder within Southwest Florida’s premier luxury communities, including Quail West, Naples Reserve and Treviso Bay in Naples, West Bay Beach & Golf Club in Estero, and Cape Harbour in Cape Coral as well as Babcock Ranch in Charlotte County. The company also has large estate home sites available in the private boating riverfront community of Caloosa Preserve and builds custom homes on owners’ lots throughout Southwest Florida.

[“source=TimeOFIndia”]

KMC appeal Kohima citizen to adopt plastic – free lifestyle

Image result for KMC appeal Kohima citizen to adopt plastic – free lifestyle

Kohima Municipal Council (KMC) today appealed the citizens of Kohima to adopt a plastic-free lifestyle.

In view of the alarming pollution and hazards caused through wastes, particularly plastics in Kohima, the KMC appealed all citizens of the town, offices and institutions both government and private, organizations, business establishments, hotels, restaurants or any such food business operators etc, to reduce, if not completely stop the use of plastics, styrofoam and all such non-biodegradable items.

With the arrival of the festive season, functions and activities of various kinds are continually on the increase, KMC appealed the citizens of the town to abstain from using one –time use plastics like disposable crockery, be it spoons, forks and plates etc and also bottled mineral water in any function, meetings or congregations.

KMC also appealed that effort be made to use steel plates and cups, forks and spoons or any bio-degradable substitutes in the respective place of work, programme or function. Mineral water bottles be replaced by water dispensers, it stated.

The citizens have also been requested to avoid use of plastic carry bags and instead shop with the cloth bag. “Plastics and thermocol cutleries are the biggest pollutants in Nagaland,” said KMC administrator Kovi Meyase. According to survey conducted in by an NGO in Kohima, it is estimated that of the 4309 registered shops, each shop utilizes an average of 472 plastic carry bags per day.

Citizens have also been requested to avoid throwing plastics or garbage into the streams and at the same time, wards have been reminded to put greater efforts into segregation of their wastes from the household level. “Let us join our hands and our minds to make Kohima clean and green again,” said Meyase.

[“source=TimeOFIndia”]

Francis Ford Coppola Goes From Wine To Weed With New Cannabis Lifestyle Company

It’s officially lights, camera, cannabis for legendary filmmaker-turned-winemaker-turned-hotelier Francis Ford Coppola.

Following in the footsteps of Constellation Brands, which owns multiple major vineyards in the area and announced a $4 billion minority investment in Canopy Growth, Coppola’s new venture is a pursuit independent from The Family Coppola, anchored in Sonoma County with Hideaways around the world. Named for an original Sanskrit term for marijuana, Coppola’s cannabis endeavor will operate under Sána Company LLC.

The company said its intention is to “give life to a progressive vision for pioneering the highest-quality, sun-grown cannabis products through sustainable farming.”

Since California legalized the recreational use of marijuana earlier this year, the wine and weed industries are ever-aligning from the launch of Rebel Coast’s cannabis infused Sauvignon Blanc to the growth of TSO Sonoma’s signature Elevated Events.

Francis Ford Coppola shows off his hands after placing them in cement during a handprint and footprint ceremony at the TCL Chinese Theater on Friday, April 29, 2016, in Los Angeles. (Photo by Chris Pizzello/Invision/AP)

“Wine and cannabis are two ancient and bounteous gifts of Mother Nature, linked by great care, terroir and temperateness,” Coppola said in a statement. “Expertise making one applies to the other. As with growing grapes, location matters, and The Grower’s Series reflects California agricultural expertise creating a true blend of art and science.”

His latest “cannabis lifestyle brand” coined as The Grower’s Series, is in partnership with Humboldt Brothers, a sustainable cannabis farm tucked deep in the Emerald Triangle and includes three limited-edition, organic strains, “hand-selected to offer distinct and memorable experiences.”

The 2018 Grower’s Series will retail for $99 and comes with a branded pipe and rolling papers.Jamie Evans for The Herb Somm / Thursday Infused

Cultivated and curated by co-founders Johnny Deim (CEO) and Brett Todoroff (Chief Farming Officer), the duo selected a sativa-dominent strain, an indica-dominant strain and a hybrid — all grown on separate plots of land at different elevations to showcase the region’s diverse microclimates. Each one-gram container of flower are packaged together in a wine bottle-shaped tin, topped with a version of Coppola’s signature label and an embossed pot leaf. Each box will retail for $99 and comes with a branded pipe and rolling papers.

Coppola and Humboldt Brothers celebrated the launch of its collaboration at a special edition of The Herb Somm’s Thursday Infused dinner series at a private residence in San Francisco on October 25. Selling out in just hours, the evening featured canna-chef Holden Jagger’s inventive, infused cuisine along with a showcase of additional brands including Kurvana, Utopia and Rosebud Woman. Jamie Evans, the woman behind The Herb Somm, first met the Coppola team last August while speaking at the Wine & Weed Symposium in Santa Rosa.

“Having spent over ten years in the wine industry and now running a business in the cannabis industry, I think it’s incredible to see such an iconic family get into the space,” explains Evans. “There are so many synergies that exist between the two industries, especially in Northern California. The more support we can get from leaders like Francis Ford Coppola, the closer we get to breaking the stigma of cannabis nationwide.”

The 2018 Grower’s Series is available for pre-order via Chill for home delivery in late December when it will also hit shelves at select California dispensaries.

I am an Aspen-based freelance journalist, known as ‘the nation’s first-ever marijuana style writer’ when I started at The Cannabist in 2014. Since then, I’ve written about the ever-evolving legal world of weed culture in The Aspen Times, Curbed, The Denver Post, High Times, …

[“source=TimeOFIndia”]

Future Lifestyle Fashions Q2 net rises marginally to Rs 25 cr

Fashions reported a marginal rise in its net profit for the September quarter at Rs 25.54 crore, as against Rs 23.39 crore in the year-ago period.

The company’s total income from operations rose to Rs 1,230.08 crore during the quarter under review, from Rs 1,027.63 crore in the corresponding period of the previous financial year.

However, its total expenses also increased to Rs 1,191.01 crore, from Rs 993.19 crore in the corresponding quarter of FY18, the company said in a BSE filing.

[“source=TimeOFIndia”]

Reinventing banks as lifestyle advisers

Banks are facing increasing pressure for growing their business in the face of the emergence of new competition across all their service areas.

The profound changes in consumer behaviour, technological innovations, the availability of a massive amount of data and the connected lifestyle of customers has led to a blurring of industry boundaries.

Now we have a situation where a bank is competing with not only other

banks but also the e-commerce players, digital wallets, postal services, retailers and technology players.

The level of consumer engagement with the brand will be the foremost gauge for the most important criterion of success — scale and frequency of business transactions.

One way to better engage with consumers is by playing at the center of a lifestyle ecosystem. Banks need to identify opportunities to enhance consumer experience across not only the staple financial products but also anything that touches financial lives of the consumers.

State Bank of India, India’s largest bank has caught this trend early with its YONO app offering that enables consumers to avail lifestyle-based services across non-traditional banking touchpoints such as medical, travel, dining, entertainment and mobility.

How can banks become a better lifestyle brand?

Banks do have the wherewithal to take on new competition and win back consumers; however, they need to enhance digital capabilities and understanding of ever-evolving consumer behaviour.

In the interim, banks will do well to put in place three-pronged strategy to get closer to the consumers:

Develop cognitive marketing capabilities: Currently, we have a situation with an excess of data across social media, IoT devices, cloud, and disparate data silos across the organization.

However, the success in making it work in a beneficial manner is still elusive. Cognitive marketing involves delivering the right experience to the right people at the right time and place using advances in machine learning,

analytics and smart machines.

It has become vital to know consumers’ social behaviour, the pattern of regular activities and life events for its effective engagement strategy. The online banner ads used it for personalization on basis of the new life stage of consumers.

The idea behind data capturing and resultant outreach initiatives should be to make positive changes to the consumers’ lifestyle.

The transaction oriented strategy needs to make way for a proactive one that anticipates consumers’ emerging scenario and to meet the foremost goal of increasing customer lifetime value.

Russia based Sberbank uses machine learning for providing tips for future events such as a reminder to submit tax returns on time, buy gifts for special occasions and suitable vacation destination.

Expand the service areas: Banks need to look beyond their core offerings to engage with consumers in an effective manner.

In order to become a lifestyle brand, it is vital for banks to get into other service areas in some capacity to serve the specific needs of various target segments.

One set of consumers might be looking at best, possible higher education opportunities for their kids or family holiday destination within budgets while another segment might have a latent or emerging need to get

specialized business advice.

Banks can leverage their expanded business network to serve even the non-banking needs of their consumers.

The trust that consumers repose in banks can be strengthened by preempting their needs and have a solution ready to serve such need.

Deniz, a Turkish bank has launched an agricultural banking app with an aim to be at the center of a lifestyle ecosystem.

The app goes beyond traditional banking offerings, provides insights on crop planting, watering, rotations, fertilizing, and even assists in the purchase of farm equipment.

Deniz bank has also collaborated with agricultural experts who are available on a need basis for the personalized digital interactions with farmers.

Imbibing best practices from other industries: Banks for all practical purposes, have drawn closer to any consumer product or retail brand. It needs to keep an eye on the latest trends in adjacent industries and replicate all the practicable ones in a contextually relevant manner.

Buy anything from Amazon or similar marketplaces, one will invariably find easy to spot offers for complementary or related products.

Likewise, banks also need to identify innovative opportunities to offer better and broader choices to consumers.

London based fintech JaJa Finance has come up with a mobile controlled credit card that provides the option to share their credit card limit with trusted friends and family.

The co-working space trend, driven by the ever-popular sharing economy,  is customized by the banks to make good use of select branch locations to build communities of people with related needs.

US-based Citizens Bank has already latched onto this trend by carving out an open space in one of its branches for business consumers where they can have meetings with bankers, their customers and partners.

Most banks definitely have made efforts to be a one-stop shop for financial products.

However, the ever-evolving consumer behaviour has upped the ante for banks and they need to focus on innovative offerings leveraging behavioural data to add more value to consumers’ lives.

As per a salesforce survey, the majority of the consumers will switch brands if communications were not personalized.

To succeed in the personalization strategy, banks need to become an ecosystem player catering to all possible situations facing consumers.

Banks already have the enviable advantage of a big consumer base, wide-

ranging data, deep relationships and a fair amount of customer trust. However, to succeed in the goal of becoming a lifestyle brand, banks must devise a contemporary strategy to engage consumers.

The meaning of being customer-centric needs to broaden to include value-added products and services that go beyond financial products for a sticky customer relationship.

Emotional connections built with the consumers across life events will help banks shed the image of a transactional partner and build the elusive loyalty, enabling prolonged relevance.

[“source=TimeOFIndia”]

Loans to meet lifestyle expenses: Does it make financial sense?

The festive season is when there are discounts galore and most of the retail outlets as well as the consumer financers are falling over each other to give you easy payment options. Should you really be borrowing for your lifestyle expenses or should you wait to save and go for lifestyle expenses?

November 3, 2018 11:30 IST India Infoline News Service

The festival season is also the season for shopping. Today, your lifestyle is not just a function of what you require but also what your peers are doing. If you neighbour has graduated to a high-end LED television, you would not want to be stuck with the old model. The same argument holds for a high-end double door refrigerator with a lot of fancy features thrown in. Your cousin just travelled on a 10-day trip to Europe and you really don’t want to be left behind. The festive season is when there are discounts galore and most of the retail outlets as well as the consumer financers are falling over each other to give you easy payment options. Should you really be borrowing for your lifestyle expenses or should you wait to save and go for lifestyle expenses?

How do you fund your lifestyle expenses?

There are different ways to fund your lifestyle expenses, and here are some principal methods:

The simplest way is to pay for these expenses with your debit card. Quite often, this is impractical because something like a high-end television or a foreign holiday costs a lot of money, and it is difficult for any middle class family to fund these expenses with their savings.

You can always fall back upon your good old credit card. It is quite simple; just splurge on your credit card and you can repay in instalments. Your retail outlet or bank can also work out a smart EMI scheme for you. Be cautious of two things though. Your credit limit is frozen to the extent of loan outstanding. Secondly, credit outstanding comes at a fairly steep cost of around 3% per month.

The friendly banker is always willing to give you a personal loan based on your CIBIL score. The challenge is that a personal loan entails a fixed commitment in the form of EMI each month for of 3-5 years. Further, rates of interest at 15-17% are quite steep.

Finally, you can take a loan against your assets. The bank will be willing to fund up to 50% of the market value of your shares or mutual funds. In case of bonds, you can get a loan up to 75% of the value. You can also pledge your gold ornaments and get a loan against that. These loans carry a lower rate of interest compared to personal loans. A word of caution here. Such loans are for a short period of around 1 year or so. If you are unable to pay back the loan, your financer will dispose the assets to recover the loan.

Should I borrow to meet my lifestyle expenses or should I plan my lifestyle according to my income?
That, in a way, is the million dollar question. Does it make sense to really try and finance you television or refrigerator with a personal loan at 17% interest. A TV and refrigerator are unproductive consumption assets. Is it worth pledging your equity and mutual funds for a European holiday? The better way is to save regularly and plan for such expenses.

Scenario 1: You want to buy a stainless steel multi-door Whirlpool refrigerator with 570 litre capacity, an in-built compressor, and a bottom freezer. It costs nearly Rs1.50 lakh in the market, but you can buy it on Amazon at Rs1.20 lakh. How do you plan this purchase?

Calculator Source: Indiainfoline

Find the calculator here:  https://www.indiainfoline.com/calculators/sip-calculatorAll you need to do is to save Rs10,000 per month via a conservative debt fund SIP. Even assuming that you earn 8% post-tax, you will reach your target at the end of one year. You can argue that you contributed the principal of Rs1.20 lakh, but what matters is the discipline you adhered to. At the end of the year, you have the high-end refrigerator in your kitchen with no debt to worry about.

Scenario 2: You want take your wife and little daughter on a 7-day trip to Eastern Europe. You have calculated that your all-in cost including the air-fare, hotels, and food and shopping will come to Rs5 lakhs after 3 years. How do you plan for that?

Calculator Source: Indiainfoline

With a 3-year time frame, you can take a slightly higher risk to earn 9% on your bond funds. You just need to invest Rs12,000 per month for the next 3 years, and you are ready to go to Eastern Europe. Unlike in the case of the refrigerator, here, your ROI takes care of 13% of the cost and the balance is your investment. You save the interest payouts, you make money work hard for you, and you achieve your goal without the debt burden. This is definitely a better way to meet your lifestyle expenses!

[“source=TimeOFIndia”]