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Tips for Young Kiwis Researching The Home Loan Market

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Couples who are assessing the home loan market in New Zealand have a number of avenues at their disposal. From specialists in the field who study the numbers to referrals from friends and family in their area, this is an exciting time to grab an investment that will prove beneficial for decades to come. While luck and instinct do play a role, it is through selected research activities where the real value is identified for buyers in this environment.

Young Kiwi couples need to understand how banks work within the home loan market before they can confidently progress with the process. Ultimately they are assessing the amount of debt that citizens have to their name as well as their ability to pay back the loan. It will be a comprehensive examination that takes stock of student loans, credit card debt, personal loans and other significant expenses that could hamper the person’s ability to meet those financial obligations.

The second key step for community members in this situation is to scour the New Zealand property market for locations that fit their profile and their objectives. For many it will just be a case of meeting their mark for standard of living. Others will want to ensure that there is sufficient sell-on value. Certain couples will be strategic regarding low vacancy or renovation capacity. If it is purely an investment vehicle rather than a home for life, then that will help to differentiate between the listings.

Taking note of the home loan market requires clients to research the types of agreements that are available to them. Banks will have a degree of flexibility in this regard depending on the valuation of the property and the financial status of the buyer. This can incorporate conforming and non-conforming loans, fixed-rate mortgages, adjustable-rate mortgages and even government-insured mortgages in some cases.

Young Kiwis have the opportunity to assess the home loan market without too much outside intervention when they are researching the viability of certain properties. There are four key elements at play that will allow clients to have a basic understanding of its currency to them at the time. This will incorporate the loan amount, the loan period, the interest rate and outstanding extra payments. Individuals then have a chance to calculate the principal and the interest, leading them to a figure that will be enticing as a package or price them out of the market at that time.

Incorporating the essential costs involved in the home loan market will allow young Kiwis to actually establish an operating budget. Once they sit down and recognise that a deposit, loan application, stamp duty, legal fees, valuations fees and consulting from conveyance representatives are part of the package, participants can calculate their investment size. Of course there will be a variety of ongoing costs once a property is secured such as land tax, council rates and potential building developments, but acquiring the home will be priority number one at this phase of the project.

Identifying the right type of professional consultant is fundamental to assessing the home loan market for young Kiwis. There will be a large portion who are happy to work with a trusted real estate agent in their area, allowing them to set the research agenda and point the couple in the right direction. Yet there are financial advisors and conveyance specialists who can cover the legalities as well as the structure and access of the loan itself.

Young Kiwis are making a big step forward in the right direction when they decide to invest with the home loan market. To really take advantage of these prices however, it is fundamental to undertake research endeavours to pick out what types of loans work, what will prove value for money and what type of professionals are worth consulting with.

What Studies Say About Our Love For Video Games

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Analysts who pay close attention to the world of video games utilise research to tap into consumer trends. This is not just curious information that is passed around the desks of publishers, but essential data to inform how these games are developed and marketed to the general public.

By examining the trends of customers who buy and interact with these products, developing companies can manipulate their designs to match standards and demands across the board. As the innovation of technology evolves over time, traditional modes of playing these games is changing each year.

The advent of Twitch and streaming video games is a phenomenon which has altered the landscape entirely. The website allows participants to view live streaming of game play and interact with users through a chat platform. Professional gamers and companies are getting in on this action, using it as a vehicle to promote new products and interact with their fan base.

This can be used as a free service or a paid subscription for following certain accounts. There are approximately 140 million Twitch users and counting, seeing the gaming streaming service valued close to $4 billion. Since Amazon bought it out, other big players in this market will look to replicate the model given the data that is provided by researchers.

Major tech giants like Apple want a slice of video games, researching and investing in this consumer sector through their Apple TV platform. Their exclusive Apple TV+ program Mythic Quest: Ravens Banquet would be an acknowledgement of the growth of the industry, but they are looking to replicate their own gaming service given the approximate 2.5 billion active gamers around the world as of 2019.

Although the big brand name developers of video games still own large portions of the consumer market, recent studies have indicated that customers are not wedded to those outlets exclusively. With so much invention and enterprise with these systems, there are indie developers who have won widespread acclaim and recognition from the community.

Some of these brands will compete in their own right or be bought out by a larger business down the line. There are plenty of case studies to demonstrate the indie success in this market, with the likes of Blendo Games, Mobius Digital, Studio MDHR, Extremely OK Games and Heart Machine showing that there are other channels outside of the big sellers.

With approximately one in three global citizens owning or having access to a smartphone, video games are quickly making the transition to the mobile market. Games are now regularly packaged and crafted for mobile-friendly devices, including Apple and Android designs. This domain offers another level of interactivity given that participants don’t have to venture out to purchase a console to access the material.

Esports is quickly blurring the lines between our love for video games and actual professional sports broadcasts for younger viewers. These single and multiplayer competitions are broadcast on ESPN, giving users of NBA 2K, FIFA and NFL 2K another dimension. Yet there are first-person shooter games and other formats like Dota, Counter Strike and League of Legends that enjoy their own following. Such is the growth of this market explained by analysts that Esports is already valued over $1 billion.

The top developers of video games through the PlayStation, Nintendo Switch and XBOX brands continue to dominant the market commercially, but they have been forced to innovate their platform in order to stay abreast of these evolving trends. Their in-house teams are running internal diagnostics everyday, collating data sets on user behaviours all across the globe.

New Zealand Cuisine That Tourists Must Try

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New Zealand is known around the world for its beautiful landscape, friendly people and fantastic holiday destinations for adrenaline junkies. Yet it also happens to be home to outstanding native cuisine.

Whether they are exquisite dishes that have been inspired by Maori culture or from immigrants overseas putting their own spin on these flavours, this is an underrated corner of the world for travellers who want a taste of this amazing food.

Seafood lovers should look no further than the isles of New Zealand for world-class dishes that hit all of the right notes. The most notable will be available at any seafood restaurant on the North or South Island. This will include Pāua, Whitebait, Crayfish, Bluff Oysters, Mt Cook Salmon and Kina among many others.

There is New Zealand cuisine that can be cooked at home and enjoyed as a snack, or the high-end meals that even world-renowned chefs like Gordon Ramsay champion. The television host would venture down the South Island for his National Geographic series Gordon Ramsay: Unchartered where he would connection with Wellington local Monique Fiso.

The focus of the program would be the incredible Maori food that was on show for the Hells Kitchen star, giving him the challenge for cooking for a set of locals. A number of ingredients would be cooked over the Hangi (earth oven) that featured Pāua, wood ear fungus, kawakawa leaves, sweet purple fuchsia berries, peppery horopito and asparagus-tasting Pirita – all sourced from the natural surrounds of the local area.

For those tourists who are watching what they eat or want to exercise portion control, then they are well served trying out the Southland cheese rolls. This is a staple of New Zealand cuisine that can be enjoyed in cafés, restaurants or even made at home with the inclusion of some fun ingredients. By adding onion soup with onion, colby cheese, parmesan cheese, butter, cream, milk and two loaves of bread, the cooking process can be executed easily for a delicious snack.

Hangi remains a leading item for anyone interested in New Zealand cuisine as a meal choice. The earth oven is used again to slow cook this vegetable and meat combination. Maori culture would use this technique for thousands of years, but it is just as easily applicable in domestic kitchens thanks to the advents of the slow cooker.

The Australians might have attempted to make the Kiwi Pavlova their own, but it is a dessert staple that remains a proud member of the New Zealand cuisine family. By mixing fruit with meringue and whipped cream, this is a cake of choice for those that want a lighter and healthier alternative to the traditional birthday cake.

For those tourists who don’t quite find ice cream by itself enticing enough, they can try some good old-fashioned hokey pokey. It is a delicacy that also goes by the name honeycomb, offering a small taste of New Zealand cuisine that features sugar, golden syrup and butter, adding a crunchy texture to a bowl of ice cream.

Tourists will regularly find themselves on the go and when this is the case, it is important to get a taste for something that is wholesome and feeds those taste buds. The Kiwi Burger has therefore become a signature item for those checking out New Zealand cuisine in all its glory. Although there are many similarities with regular hamburgers, this menu item will include a fried egg and beetroot within the bread to accentuate those sumptuous flavours inside.

World travellers are already spoiled for choice when they venture down to New Zealand, but the food selection will take this trip to a whole new level!

How Local Newspapers Remain Commercially Viable

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The commercial viability of New Zealand newspapers at a local level remains in limbo, but this is a phenomenon occurring around the globe. From the United States to the United Kingdom, Australia, Europe and Asia, major conglomerates and news brands are accumulating divisions and forcing others to close. It is the convergence of a number of factors occurring at once, seeing developments by accident and design imposing on domestic outlets who simply want to cover the news events of the day, the week or the month.

The first domain that New Zealand newspapers need to master is creating first-class content for readers to enjoy. This will include a team of talented and hard working journalists who cover stories that are in the public’s interests and that happen to be interesting for the public. It can be a fine balance to strike, but incorporating both of these elements will help to sustain an audience for the long-term.

The distribution network has to be on point for New Zealand newspapers to be commercially viable enterprises. How much does it cost to print the paper? Are there cheaper alternatives? How is the paper being distributed to the public? Is this agreement in the financial interests of the business? Whether it is through internal staff catering to delivery services or building connections with local post office officials to outsourced team members, the distribution cost is a central point of focus.

Given the amount of costs that are required day to day for citizens, they need to believe that New Zealand newspapers are an affordable commodity. Incentives like free trials, seasonal discounts, loyalty discounts and bonus features help to drive more business for the brand. If the actual newspaper itself is not driving enough revenue, then there should be schemes and extras that are introduced to add value to the overall package.

A digital integration model is a component that New Zealand newspapers have to adapt to in the current landscape. The sheer cost involved to print and distribute this stock across the community creates a world of logistical headaches for owners and managers. By having all of the information ready to consume through a website and social media account, the content becomes user-friendly, easy to share between participants and is cheaper to publish. The trusted news sources on the North or South Island will combine a mixture of the two, but ignoring the digital component is not viable given the change in behaviours and consumer habits.

Reducing the amount of production and switching to a monthly publishing cycle could be a sustainable alterative that keeps a local paper viable. Cutbacks should be considered a last resort for these trusted establishments, yet it is a method that allows journalists, reporters, sales staff and editors to stay on the payroll while covering stories in more depth and detail.

Although it is an area that could create a conflict of interest in some quarters, involving commercial sponsors and affiliates can provide the capital that New Zealand newspapers bank on. It has been a strategy that has kept a lot of enterprises afloat during a difficult economic environment, financing the endeavour through local business interests while keeping their approach purely independent and objective.

It is a sad development to see local New Zealand newspapers forced to sell or close entirely, but there is some light on the horizon for those that are adaptable in their thinking and proactive in their commercial approach. Accepting the new conditions is mandatory. Once that first step has been achieved, there are case studies that point to a successful future for those outlets that generate quality content and pay attention to the habits of their audience.

How Super Rugby Clubs Connect With The Local Media

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The top New Zealand Super Rugby franchises understand that local media outlets are essential to connect with over the course of a regular season. Whether it is the Blues, Crusaders, Highlanders, Hurricanes or Chiefs, each organisation has a duty to build working relationships with these participants. It is through these broadcasters and writers where the supporters access the information about the team, understanding how they are tracking and what they want the fans to know about (and sometimes what they don’t want the fans to know about).

The media landscape in New Zealand is adapting like it is across the world with various countries and sporting competitions. Like the NBA, English Premier League and Australian Rules Football, the media plays a key role for these brands to be present and informative on and off the field of play.

Press conferences offer an opportunity for local news media identities to get up to speed with events at Super Rugby clubs. This is an exercise that will commonly be carried out a day before the actual fixture, allowing the head coach to update the press about injuries, suspensions, their tactical approach against the upcoming opponent, their opinion on a ruling or event and any other details that will be relevant for the supporters. It is a shared space where broadsheet writers and television broadcasters operate together, taking turns to ask questions.

Sitting down with broadsheet newspaper writers offers another media component with Super Rugby entities. When the television cameras are turned off and there is no live reporting component, a coach, a player, an owner, board member or investor will have a chance to elaborate on a subject in detail. These lengthy features are commonly produced once per week, giving the writer and editor a chance to fine-tune the content of the piece before it is ready for publication.

Offering access to writers for live match reports is another space that media figures require to provide their followers with comprehensive Super Rugby coverage. This is to assist those supporters who do not have access to a television or radio, hoping to stay up to date with a minute-by-minute live report or a final match report ready to be published online or via a newspaper. The press box is arguably the most competitive media space for any professional, seeing a limit for the amount of seats that are available. Although the bigger venues like Eden Park for Blues home fixtures would commonly have more space than games for the Crusaders or Chiefs.

Pre and post game interviews with broadcasters is where the media gets an up close and personal look at Super Rugby players and coaching staff. The host broadcaster Sky Sports NZ has unfettered access in this domain, calling upon star players, fringe players and head coaches to get their thoughts about the game. This is a way for the host broadcaster to add extra value for their sports programming, going into detail about team news, matchups, controversies and anything else that surrounds the actual game itself.

Social media interactions is a modern spin that allows Super Rugby clubs to connect with their community members. While editors, journalists and reporters dictate the narrative with other mediums, this is an opportunity for players, coaches and club accounts to produce content that they find interesting and want the public to know more about. It helps to make Super Rugby more accessible across a working week and during the off-season when there are other distractions at play. It is also a means to control costs and to reach out to a younger audience of rugby fans in their region.

Finding Peace in a Hectic World

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In today’s fast-paced world, it’s easy to get caught up in the hustle and bustle of daily life. With constant notifications, endless to-do lists, and the pressure to always be productive, finding a moment of peace can seem impossible. However, practicing mindfulness can offer a powerful antidote to the stress and chaos that often surround us.

Mindfulness is the art of being present and fully engaged with the current moment, without judgment or distraction. It is a simple yet profound practice that can transform the way we experience life.

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What is Mindfulness?

Mindfulness is a mental state achieved by focusing one’s awareness on the present moment while calmly acknowledging and accepting one’s feelings, thoughts, and bodily sensations. It has its roots in ancient meditation practices, particularly within Buddhist traditions, but has gained widespread popularity in recent years due to its numerous benefits for mental and physical well-being.

The Benefits of Mindfulness

Practicing mindfulness can lead to a range of positive outcomes, including:

  1. Reduced Stress and Anxiety: Mindfulness encourages individuals to observe their thoughts without becoming entangled in them. This practice helps to reduce stress and anxiety by fostering a sense of calm and perspective.
  2. Improved Focus and Concentration: By training the mind to focus on the present, mindfulness enhances concentration and cognitive flexibility. This improved focus can lead to greater productivity and creativity.
  3. Enhanced Emotional Well-being: Mindfulness promotes emotional resilience by helping individuals recognize and process their emotions without being overwhelmed. This can lead to greater self-awareness and emotional balance.
  4. Better Physical Health: Research has shown that mindfulness can lower blood pressure, improve sleep, and boost the immune system, contributing to overall physical health.
  5. Increased Compassion and Empathy: Mindfulness cultivates a non-judgmental awareness of oneself and others, leading to increased empathy and compassion in interpersonal relationships.

How to Practice Mindfulness

Incorporating mindfulness into your daily routine doesn’t require a significant time commitment or any special equipment. Here are some simple ways to get started:

  1. Mindful Breathing: Set aside a few minutes each day to focus on your breath. Sit or lie down comfortably, close your eyes, and take slow, deep breaths. Pay attention to the sensation of the breath entering and leaving your body. If your mind wanders, gently bring your focus back to your breath.
  2. Body Scan: This practice involves mentally scanning your body from head to toe, observing any sensations, tension, or discomfort. The goal is to develop an awareness of how stress and emotions manifest physically and to release tension consciously.
  3. Mindful Walking: Take a short walk and focus on the experience of walking. Notice the movement of your legs, the feeling of your feet touching the ground, and the rhythm of your breath. This can be done anywhere, even during a short break at work.
  4. Mindful Eating: During meals, take the time to savor each bite. Pay attention to the flavors, textures, and aromas of your food. Eating mindfully can enhance your enjoyment of food and help prevent overeating.
  5. Gratitude Practice: Spend a few moments each day reflecting on things you are grateful for. This practice can shift your focus from what is lacking in your life to the abundance that already exists.

Overcoming Challenges in Mindfulness

While mindfulness is simple in theory, it can be challenging to practice consistently. Here are some common obstacles and tips to overcome them:

  1. Restlessness: It’s normal to feel restless or distracted during mindfulness practice. Acknowledge these feelings without judgment and gently return your focus to the present moment.
  2. Time Constraints: Start with short sessions and gradually increase the duration as you become more comfortable. Even a few minutes a day can make a difference.
  3. Expectations: Let go of any expectations about what mindfulness “should” be like. Each experience is unique, and progress may be slow and subtle.
  4. Impatience: Mindfulness is a lifelong journey, not a quick fix. Be patient with yourself and embrace the process.

Incorporating Mindfulness into Daily Life

Mindfulness doesn’t have to be confined to formal meditation sessions. It can be integrated into everyday activities, such as:

  • Listening: Practice active listening by giving your full attention to the person you are speaking with, without interrupting or planning your response.
  • Working: Focus on one task at a time, avoiding multitasking. Take breaks to stretch and breathe mindfully.
  • Commuting: Use your commute as an opportunity to observe your surroundings, listen to calming music, or practice mindful breathing.

Conclusion

In a world that often feels overwhelming, mindfulness offers a pathway to peace and clarity. By cultivating an awareness of the present moment, we can navigate life’s challenges with greater ease and resilience. Whether through meditation, mindful breathing, or simply paying attention to everyday activities, mindfulness empowers us to live more fully and authentically. Embrace the art of mindfulness and discover the profound impact it can have on your life.

How Marvel’s Business Model Changed The Hollywood Industry

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There is no other movie studio that works quite like Marvel. While DC and Warner Brothers have attempted to emulate their business model, the connection that this superhero brand has with its audience is entirely unique in the 21st century. What began as a standalone 2008 title picture would soon spawn into an entire franchise that is closing in on 20 movies with more to come.

The Jon Favreau film Iron Man would pave the way for a new commercial approach from a Hollywood studio. They would use the profile of Robert Downey Jr. to front the Tony Stark character, allowing that moment to build an entire world that transitioned from movies to television series and animated shorts.

What gave Marvel the opportunity to take their cinematic empire to the next level was allowing The Walt Disney Company to acquire the business. On August 31, 2009, Disney would purchase the organization and their intellectual property in a deal worth $4 billion. The merger ensured the long-term viability of the brand.

It would be the foundation for the superhero outlet to create films, television series and comics under the umbrella of Disney, leveraging their collective assets worth $63 billion at the time of the deal. Why try and go solo when there is a well-established company that can finance the entire project?

The key for Marvel to revolutionize their franchise was to empower one figure to oversee the direction of the setup. This would be found in the form of Kevin Feige. The Boston native would take the mantle of President of Marvel Studios and become the Chief Creative Officer of the studio. His background as an associate producer with X-Men in 2000 and Spider-Man in 2002 illustrated his skill and passion for Marvel properties on the big screen.

His involvement would allow Marvel to carefully plan the production and release of each film at specific stages. Iron Man in 2008 would just be the beginning. What would follow would be Thor, Captain America, Guardians of the Galaxy, Ant-Man, Doctor Strange, Black Panther, Captain Marvel, The Avengers and a host a sequels. Create control would be overseen by Feige, ensuring that there was a consistent approach while giving each movie its own unique flavor and appeal.

Crossovers are a key ingredient that Marvel have been very savvy about. A third Captain America installment can be the perfect vehicle to introduce Black Panther for its upcoming release two years later. Thor: Ragnarok can be teased during the end credits of Doctor Strange. Ant-Man was brought into the picture at the conclusion of Captain America and The Winter Soldier. These lead-ins are designed to build anticipation and provide Easter eggs for fans who follow all of the intricate details of the storyline, building towards the climax of Avengers: Infinity War and Avengers: End Game.

The transition to online television streaming might feel like a step backwards for a studio that have grossed more than $25 billion at the box office, but Marvel understands that there is a bigger picture at play. The advent of Disney Plus has given them a vehicle to expand this world and entice new fans who would otherwise be staying at home and flicking through their catalogue on the couch. Feige would oversee the development of Loki, Falcon and The Winter Soldier and WandaVision among other properties to be released around 2021.

What really changed about Hollywood with the intervention of Marvel is how it creates and sells its properties to the wider consumer. It is not enough to get viewers interested in a single movie or a single television show, but to be invested in the entire world they have created through the franchise. Thanks to intertwining storylines that jump across properties, moviegoers and streamers can feel left out if they have not seen the previous installment. That approach has given an incentive to other studios to copy the blueprint.

‘OnePlus Buds’ Confirmed to Launch July 21st Alongside OnePlus Nord

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Confirming recent rumors, OnePlus has announced that its first truly wireless stereo (TWS) earbuds will be unveiled July 21st alongside the OnePlus Nord. The company confirmed not only the date, but also the name of the device. It will be simply called the ‘OnePlus Buds‘. In a press release announcing the launch date, OnePlus claimed that the device will “deliver high-quality audio playback and an easy-to-use experience on the go”.

According to OnePlus CEO, Pete Lau: “With the new OnePlus Buds, we are further building out our portfolio of products that give our users a burdenless experience. Our users are looking for the right combination of great sound quality, seamless connectivity and an easy-to-use experience. That’s exactly what the OnePlus Buds will deliver”.

OnePlus is yet to officially release any teaser image of its upcoming TWS earbuds. However, recent leaks suggest that it might look somewhat similar to Apple’s AirPods. According to a render shared by tipster, Max. J, the device might have a charging case that looks like the one that comes with Google’s Pixel Buds 2. The render also suggests that there might also be a battery charge indicator on the case.

Meanwhile, the device is also believed to have been certified by Finland’s SGS Fimko testing and certification agency last week. As per the listing on the agency’s website, the earbuds carry the model number E501A. Either way, there’s not a lot of info about the upcoming device at this point. However, it’s all set to launch next week, so let’s hope we get more info soon.

Spotify Now Generates Custom Playlists for Your Workouts

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Spotify has released yet another tool for generating playlists. After “Soundtrack your Ride” – a playlist for your road trips and “Pet Playlists” – a playlist for your pets, the Swedish music streaming giant has now introduced “Soundtrack your Workout” for your workout sessions.

Just like Soundtrack your Ride and Pet Playlists, Soundtrack your Workout curates tracks based on user input through a dedicated website. For starters, the company will ask you the duration of the workout. There are 15 minutes, 30 minutes, 60 minutes, 90 minutes, and 2 hours+ options to choose from.

After you’re done choosing the duration, the website asks if you’re interested in music or podcasts, along with your preference for explicit content. On the next page, you should choose your type of workout. The available options are Yoga, Running, Biking, Cardio, Dance, Lifting, Walking/Meditation, Barre/ Pilates.

Further, you can choose who you’re working out with and your “workout vibe”. Finally, the website will ask your preferred genre. After entering it, you can set a title for your playlist along with an optional cover.

After all these data inputs, the website will do its magic and generate a unique playlist tailored to suit your needs. It goes without saying that the website will ask you to login with your Spotify account before you start the process.

During my testing, two of the four songs I was suggested doesn’t even qualify as Rock. However, the other two were quite acceptable in my opinion. Let us know how it goes for you in the comments.

Qualcomm Announces the Snapdragon 865 Plus

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After multiple reports of phones with Snapdragon 865 Plus, Qualcomm has finally unveiled the latest flagship chipset in its armada. The Snapdragon 865 Plus is the next step for Qualcomm from the Snapdragon 865 announced at the Qualcomm Tech Summit last year.

Just like the Snapdragon 855 and Snapdragon 855+, the Snapdragon 865+ boosts the clock speeds. The Snapdragon 865 Plus comes with Kryo 585 cores clocked at 3.1GHz. That’s a 10% increase over the clock speeds delivered by the Snapdragon 865.

The Adreno 650 GPU in the Snapdragon 865+ delivers 10% faster graphics rendering, according to Qualcomm. Clearly, the 865+ will show a difference in intensive tasks like gaming. As such, the first phone with the Snapdragon 865+ is going to be the ROG Phone 3. The Lenovo Legion gaming phone will also pack the Snapdragon 865 Plus.

The 865+ also features the new FastConnect 6900 suite. That includes WiFi 6E and Bluetooth 5.2 on the 865+. The regular Snapdragon 865 comes with WiFi 6 and Bluetooth 5.1 instead. Moreover, there’s the Qualcomm X55 5G modem for 5G connectivity as well. That’s the same as the Snapdragon 865, by the way.

Other than that, the 865 Plus offers everything that the regular 865 did. You get support for 144Hz refresh rates, 8K video recording, 5G sub-6GHz and mmWave support, and everything else.

Qualcomm is saying that devices powered by the brand new Snapdragon 865 Plus will start coming out in the third quarter of 2020, so we won’t have to wait too long to see the chipset in action.