Unfortunately, most people are unaware of these components that make a mountain bike an exceptional one. That said, we have drafted this piece for anyone in this predicament. And for the experts in mountain bike riding, keep reading as you may still learn something new.

So without any further ado, let’s get started.

The Bikes Frame

The frame is typically the entire build of the bicycle. It should be sturdy and durable, able to withstand the rough terrain and impacts that come with off-road riding. The frame should also be lightweight, making the bike easy to maneuver and control. It should be made from high-quality materials, such as aluminum or carbon fiber, solid and durable yet lightweight.

Additionally, the frame should be designed with the proper mountain biking geometry, including a slightly elongated top tube, a relaxed head angle, and a short stem for improved stability and control. Finally, the frame should be the right size for the rider, providing a comfortable and efficient riding position.

The Bikes Suspension

A mountain bike suspension is designed to absorb impacts and improve the bike’sbike’s handling on rough terrain. It typically consists of a fork in the front and a shock absorber in the rear. The suspension should be adjustable, allowing the rider to adjust the stiffness and damping to suit their weight, riding style, and terrain.

It should also have enough travel, which is the amount of movement it can accommodate, to handle big hits and rough terrain without bottoming out. Additionally, the suspension should be lightweight and have a low-maintenance design. Some high-end mountain bikes also feature full suspension, which means they have suspension on both the front and rear of the bike. This provides even more control and comfort on rough trails.

The Bike’s Wheels

A mountain bike wheel should be sturdy and durable, able to withstand the impacts and stresses of off-road riding. It should also be lightweight, to help the bike accelerate and climb more easily. The wheel should have a strong, reliable hub that allows the wheel to spin smoothly and a rim that can withstand braking and cornering forces.

The tires should be wide and have a knobby tread pattern to provide good traction on a variety of terrain. Additionally, the wheels should be the appropriate size for the bike and the type of riding it will be used for. Most mountain bikes use 26-inch or 29-inch wheels, with 29-inch wheels being more common on newer, full-suspension bikes.

The Bike’s Breaking System

The braking system on a mountain bike is an important safety feature that allows the rider to stop the cycle quickly and safely in a variety of conditions.

The most common type of brake on a mountain bike is the hydraulic disc brake, which uses hydraulic fluid to transfer force from the brake lever to the brake caliper, which clamps a disc rotor to slow the wheel.

Disc brakes are preferred on mountain bikes because they provide strong, reliable stopping power, even in wet and muddy conditions. They are also more adjustable and easier to maintain than other types of brakes. Some mountain bikes may also have a secondary brake system, such as a coaster brake or a rim brake, for added stopping power or as a backup in case the primary brakes fail.

The Bike’s Extra Safety Features

In addition to the frame, suspension, wheels, and brakes, several other features can improve the safety of a mountain bike. One important safety feature is the proper lighting feature, which can help the rider see and be seen in low-light conditions. Reflective clothing and reflective tape on the bike can also improve visibility.

Some mountain bikes also have a kickstand, which can help them stay upright when not ridden.

Bottom Line

The most important features of a mountain bike are its frame, suspension, wheels, brakes, and other safety features. The frame is the main body of the bike and provides the foundation for the other components. The suspension helps absorb shocks and improve the bike’s handling on rough terrain. The wheels and tires are crucial for maintaining traction and stability, and the brakes are essential for stopping the bike safely. Other important features of a mountain bike include safety features like a reflective strip and protective gear, which keep the rider safe.

ALSO READ: Our expert guide to creating a financial plan

The post What Are The Most Important Features of a Mountain Bike? appeared first on Australian Times News.

Cryptocurrencies are quite volatile and they can be used for illegal purposes, so, naturally, governments want to have some control over them. And since most cryptocurrencies are decentralized and anonymous, it’s hard for anyone to regulate them without proper legislation. 

Having that in mind, the Australian government has issued the Cryptocurrency Regulation Strategy, with the main goal to define, map, and regulate the crypto market. So, let’s see what exactly we’re talking about when we say “crypto regulations.”

What is Australian cryptocurrency regulation?

Australian cryptocurrency regulation is the attempt of the Australian government to map all digital tokens.

The Australian government has been working on a framework for cryptocurrency regulation for the past few months.

As cryptocurrencies such as Bitcoin and Ethereum have become more popular, the federal government of Australia has been faced with growing concerns about money laundering, terrorism financing, and other criminal activity.

As a result, the government has begun to crack down on cryptocurrency transactions in an effort to ensure that their use is not being used for illicit purposes.

The Australian Securities and Investments Commission (ASIC) has been working on this project with its counterpart in New Zealand, the Financial Markets Authority (FMA). The goal is to create a database that will make it easier for investors to understand what they’re getting when they buy tokens, and also for regulators to identify risks.

The Australian Taxation Office (ATO) issued guidance to digital currency holders on how to declare their cryptocurrency holdings for tax purposes. The ATO also released a report on how they plan to treat cryptocurrency transactions when it comes time to file taxes.

There are three main types of cryptocurrency regulation:

1. Financial services regulation
2. Consumer protection laws
3. Anti-money laundering regulations

The regulation is designed to protect investors from fraudulent or risky practices in the cryptocurrency space, as well as to ensure that financial institutions have sufficient safeguards in place to protect their customers’ interests.

Is it possible to map tokens?

Given the nature of crypto and blockchain technology, it’s hard to map all tokens. The transparency and anonymity of blockchain make it difficult to track down which tokens belong to whom. There are also a large number of tokens that are being issued daily, making it impossible for anyone to have a complete view of them.

Still, the Australian government is dedicated to this project. The government wants to know more about cryptocurrency transactions and how they are used in the country’s economy.

Australian government plans to conduct this project in 3 phases:

• Phase 1 – Mapping: This phase will map out all of the different cryptocurrencies in existence today and give them their own unique identifier and exchange rules. For example, Bitcoin will be known as BTC or XBT depending on where you get your data from; Litecoin would be known as LTC or XLT; etc.

• Phase 2 – Analytics: Once the mapping process is complete, this phase will analyze all of the data collected in order to provide insight into how these different currencies perform against each other in terms of market cap, price performance, and volatility among other factors.

• Phase 3 – Indexing: This phase involves creating indices based on different criteria such as a market cap or price performance so that investors can easily compare

Impact on crypto trading

Crypto regulation is a big deal. It obviously has a lot of benefits, but it also has some downsides.

Many people feel like crypto regulation is necessary because it would make the cryptocurrency market more stable and less volatile.

One of the most important aspects of trading cryptocurrencies is to protect investors from fraud and scams. The logic is simple: it’s easy to trade when you have proven Australian exchanges. So, let’s get rid of scammers.

By regulating the market, the government would ensure that the funds are secure and safe from theft or other fraudulent activity.

Another benefit of crypto regulation is that it will make it harder for people who want to hide their identity when buying cryptocurrencies. This is because the government can now see who owns all the coins in circulation, and what they’re doing with them—which makes it easier to catch illegal activity happening around crypto trading.

On the other hand, some people think that this could change the spirit of cryptocurrency trading and create an environment where investors are less willing to take risks on new projects because they have to comply with regulations set out by governments.

What to expect in the future?

The general consensus among industry experts is that other countries will follow Australia’s lead when it comes to cryptocurrency regulation. That became more obvious after the collapse of FTX. Other countries may examine the results of this exercise carefully.

While Australia’s approach may seem like an odd one for such a technology-focused nation, it is actually part of a larger trend toward regulating cryptocurrencies as securities or commodities rather than currencies.

This is because many jurisdictions believe they can more easily regulate these types of assets than they can currencies themselves.

The approach taken by Australia may not be the best one, but it is certainly a step in the right direction. It will be interesting to see how other countries respond to this move and whether they follow suit.

Conclusion

Australia’s stance on the crypto market has always been very optimistic which is why it doesn’t come as a surprise that this country is thinking about ways to regulate it. This new upcoming legislation would have a great effect on the possibility of companies investing in this booming market.

The Australian crypto regulation could change the whole course of crypto trading. It may open the door to a new era in crypto history, enabling the wider use of tokens, and perhaps even removing the uncertainty surrounding cryptocurrencies.

ALSO READ: How Much Money Has the World Invested in Bitcoin?

The post What Does Australian Cryptocurrency Regulation Mean for the Crypto World? appeared first on Australian Times News.

These digital payments are eminently more convenient, as people can pay for goods and services without having to stop at an ATM for cash, and payments can be processed quickly.

There are plenty of advantages associated with using e-wallets, whether it be paying for everyday goods at a supermarket or for making invoices to other businesses.

And so now is the time to join the e-wallet evolution, so with that said, let’s look at some of the most popular e-wallet payment options around, and how you can get involved.

Apple Pay

All over the world, Apple Pay has surged in popularity. A clear example to illustrate its success is evident in Australia, whereby in 2020, nearly 6% of residents use Apple Pay.

You can also sync Apple Pay up with various devices, including iPhones, iPads, Apple Watch, or a Mac computer, and it can be triggered through fingerprint technology or Face ID, so when you are on the move, you just have to put up your phone up to the machine and double tap to process the payment.

PayPal

PayPal is one of the longest running e-wallets. Revered worldwide, PayPal carries minimal transaction fees, if any, and it has installed some of the latest SSL (Secure Socket Layer) measures to keep users safe while they shop online.

Moreover, PayPal users can take advantage of buyer’s protection which gives them an added layer of security, so they are safeguarded while making payments, and their financial data won’t fall into the wrong hands.

Indeed, PayPal is known for its safety and efficiency. So, whether you’re using it to purchase products on eBay or using it to wager on casino sites, then you will find it’s a swift and safe way to make deposits and withdraw funds. For instance, thanks to PayPal, casino players will not only be able to tap into some of the best titles advertised at a casino; they will also be able to access some of the best promotions, which include free spins, and the most recommended sites such as LeoVegas will facilitate this as they are versatile when it comes to banking options.

Neteller

Neteller is eminently new compared to some of the other e-wallets we have outlined, but it is hassle free to add money to your account, and there’s only a 1% fee applied should you wish to make a bank transfer.

With Neteller, you can also add it to your wallet on your iPhone device, so you can make more secure contactless payments. And it is also very versatile as you can use it on most accepted sites, and it has gained more exposure.

Skrill

Similarly, Skrill is fast becoming a go-to option to make payments. While PayPal is the original undisputed king of e-wallets, with Skrill, users can enjoy great rates when they send money abroad, and it accepts over 40 countries.

You can also land some superb deals, such as £10 off your next transfer when you refer a friend to Skrill money transfer.

Final Thoughts

E-wallet payments have become the mainstay for banking, and they are generally hassle free to use. With more digital payment options available, consumers have more choices. While we have only highlighted a few, make sure you explore these and a few others to see why they are so highly ranked.

The post Making the most of and navigating your way around e-wallet payments appeared first on Australian Times News.

Cost analysis is a managerial accounting process that compares a company’s costs. These costs may be variable or fixed. They may also be subject to time constraints. Controllable expenses are those that the manager authorizes. This type of cost analysis involves tracking and comparing costs over time.

Costs are often broken down into two different categories: direct and indirect. Although these are related, the distinction between direct and indirect costs depends on how these costs are categorized and the characteristics of each cost object of essay service. For instance, a hospital with a large staff and high patient-to-staff ratios may attribute some costs directly to the patients. In contrast, a hospital with a minor team and fixed costs might indirectly attribute all staff costs.

Creation of financial statements

Financial accounting is the study of how businesses create and distribute financial statements. The purpose of these reports is to show the value of a company’s assets, liabilities, and productivity. In addition, creating these financial statements is a legal requirement for public companies. While many businesses use both types of accounting, only those financial statements made using economic accounting methods need to be audited by an independent CPA firm.

Financial statements are used to explain the financial status of a business to shareholders and other stakeholders. They can also be used to plan a company’s budget for cheap essay writing service. However, it is essential to note that the financial landscape is constantly changing, and it is unwise to use historical data to predict future performance.

Cost control

Cost control is an integral part of managerial accounting. It involves determining the cost baseline and developing a plan for corrective action. This process is often performed using analytics software to monitor expenditures and real-time financial health. This information is then used to determine future costs. As a result, you can influence cash flow and profits by developing an effective cost-control strategy. In addition, you can streamline your financial workflow. For example, cost control methods should include tracking budgets that outline the activities that will reduce expenses. You should also schedule regular reports detailing your active budget’s performance.

Cost control in managerial accounting is a multifaceted process that involves a collaborative effort between management, employees, and project managers. Cost control aims to ensure that business expenses are within business goals. In addition to controlling costs, this process can also lead to higher productivity. The process involves identifying baselines, which allows you to compare actual expenses with your target expenses. You can also determine a target based on historical financial data, such as profits earned. If your company is publicly traded, you want to set a target to meet investor expectations.

Ethics in managerial accounting

As a manager of an organization, you must practice ethical accounting. To do this, you must follow four ethical principles: Honesty, Fairness, Objectivity, and Responsibility. Failure to follow these principles can cause significant problems in the organization and can also result in legal ramifications. You must also ensure that everyone in the organization follows these principles. For example, disclosing confidential information about the company’s sales or profit margins to another party would be unethical.

It is essential to understand that unethical managerial accounting practices can skew accounting numbers. It can affect the company’s ability to pay creditors, lead to missing supplies, and misguided premises about its financial viability. As a manager, it is your duty, to be honest with your stakeholders.

Goals of managerial accounting

Managerial accounting aims to provide managers with timely, complete information. Managing to account is closely related to information technology, or IT, the fastest-growing field in today’s society. As a result, the area has evolved from a tightly regulated experiment into a force affecting every aspect of our lives. Its elements have varied, but enterprise resource planning (ERP) is a standard feature.

Managerial accounting involves analyzing the costs of products and services and identifying trends. It uses financial data to help companies make better decisions, like royal essays company. It also includes analyzing historical information, such as sales volumes, geographic location, and customer trends.

Comparison with financial accounting

Financial accounting and managerial accounting are both used by businesses to keep track of their finances. However, they differ in their approaches and goals. Financial accounting focuses on past performance and provides information for future decision-making, while managerial accounting focuses on the day-to-day operations of a business.

The purpose of both types of accounting is to provide information to management and outside parties. While financial accounting focuses on profitability and growth, management accounting primarily focuses on identifying and fixing business problems. The most significant practical difference between financial and managerial accounting lies in their legal status. While financial reporting is more rigidly governed, organizational reports are more flexible.

ALSO READ: Our expert guide to creating a financial plan

The post A Managerial Accounting Essay appeared first on Australian Times News.

Global investor and quantitative analyst Toby Carrodus categorizes himself into the intrapreneur group. He operates to enhance a company while being privy to its established resources and capabilities.

“An intrapreneur is someone who acts like an entrepreneur within a company and takes responsibility for turning an idea into a profitable new source of revenue,” he says. “They essentially think like an owner.”

After coining the term “intrapreneur” with his wife, Gifford Pinchot introduced this “new way of fostering innovation” within organizations in the book “Intrapreneuring.” This book is the Rosetta Stone for understanding intrapreneurs in various businesses and situations and was a bestseller in 15 languages.

“Most employees think and act like employees and wonder why they don’t get ahead,” Carrodus says. “Thinking like an owner changes your behavior, especially in terms of generating revenues, saving costs, allocating resources and thinking long-term.”

Carrodus is affecting change in his field. He has a philosophical goal that could apply to many professional atmospheres.

“I’m consciously creating a nicer, more thoughtful environment in the trading industry, in contrast to the menacing “dog eat dog” experience which tends to prevail,” he says.

In investment management, Carrodus uses quantitative analysis methods to help companies make business and financial decisions. Like other quantitative analysts – nicknamed “quants” – he helps companies identify profitable investment opportunities and manage risk.

Toby Carrodus’s Tenacity Paid Off Early

Toby Carrodus was born in Cairns, Australia, where as a teen, he lived with his single mother on government support. His tenacity throughout school paid off.

As a co-ed, he attended universities on multiple scholarships and graduated with a Bachelor of Economics and a B.A. in political science from the Australian National University. He also obtained a Master of Science in Economics  from the Humboldt-Universität zu Berlin. His favorite classes were Portfolio Management and The Philosophy of F. A. Hayek.

“Both were groundbreaking in my later personal and professional development,” he says.

 A lifelong learner, Carrodus is an autodidact who learned how to invest and trade successfully. He has read Jack Schwager’s “Market Wizards”  multiple times, a book that discusses the approaches of some of the world’s top traders . But his “biggest leap” was teaching himself Python programming.   

“Harnessing the power of computers in an age of such technological advancement has allowed me to ride that wave rather than being run over by it,” he says.

Even with scholarships, Carrodus graduated from university in his mid-20s with a negative net worth of $20,000. In a rags-to-riches tale, he became a multimillionaire in his early 30s.

“Intrapreneurs can do very well,” Carrodus says in an understatement. “Steve Ballmer’s net worth is a great example.”

Ballmer, former Microsoft chief executive officer and owner of the Los Angeles Clippers, is the 12^th wealthiest person in the world. His net worth is $79 billion, according to Forbes’ Real Time Net Worth statement on Nov.16, 2022.

Toby Carrodus Reveals How He Boosts His Productivity and Relieves Stress

Being in the role of an intrapreneur is not for the faint of heart. While intrapreneurs get time and freedom to work on entrepreneurial pursuits, they also bear the weight of ownership.

Carrodus explains that the job requires “constantly taking risks, navigating a changing landscape, and being responsible for generating profit.”

To banish stress, Toby Carrodus lifts weights. He says, “As a quantitative analyst, I think it’s great to balance working out the mind with working out the body.”

Carrodus credits keeping a disciplined exercise routine with increasing his productivity.

“I exercise at the same time each day, Monday to Friday – no excuses,” he says. “Modern entrepreneurship has been associated with ‘hustling and grinding’ 24/7 and no days off, but this is not sustainable and also not going to foster the mental clarity needed to make sensible decisions in a pressured environment.”

Toby Carrodus says he has experienced some of his best strategies and ideas during or immediately after exercise.

Toby Carrodus Brings Passion to the Workplace

Toby Carrodus likes the mantra: “Be obsessed or be average,” and he keeps the phrase prominently displayed on his home office wall. Being obsessed about your life’s mission can be tricky for many employees, but management gives the intrapreneur near-autonomy on the job. Entrepreneurial-minded people like Carrodus thrive when they can self-govern.

To understand the entrepreneur is to understand the intrapreneur, who passionately seeks answers, solves problems, and creates. Companies are savvy to seek such passionate employees and can cultivate win-win situations by rewarding such staff with equity. It is important to have “skin in the game,” says Carrodus.

Carrodus seems cheerily optimistic about exploring the many ways to get even better at his career as a quant trader. He says his mission is “reaching my potential and helping those around me reach theirs.” 

ALSO READ: Impact of Influencer Marketing on the Ballyhoo Strategies: Trends & Opportunities

The post Toby Carrodus Explains How Intrapreneurs Help Businesses Succeed appeared first on Australian Times News.

But this needs to stop. Excessive screen time is one of the leading reasons behind anxiety, attention issues, depression, and obesity. We need to find alternatives to change this destructive habit. 

Even a simple ride on a hoverboard with Bluetooth for children can be much more interesting than a tablet. Since reducing kids’ screen time won’t be easy, we’ve compiled the top 5 tips to cut back without a fight. Read more!

Remove Unnecessary Tech from Sight

This should be the first step for any parent who is willing to change tech addiction in kids. Make a list of all the unnecessary gadgets and start removing them one by one. 

Not all of your children need individual iPads and laptops. Understand that kids start to develop these needs when they reach school age. Even then, they don’t need a separate device.

You can provide a laptop or tablet to be shared by all the kids. This will not only make their screen time limited but will also teach them to be accountable.  

Never Say No

Each kid is different, though the majority will refuse to listen if you tell them a clear no. They feel restricted when you do that. And so, it’s a natural response to rebel and go against what you want them to do.

A better way to help children reduce their screen time is to phrase the command in a friendly and diplomatic tone. Say, let’s play ball together and watch TV later. Or, you have already played the game on the tablet – would you like to make cookies with me instead?

If you keep saying a direct no, your kid will soon learn to ignore your words. He might even develop negative feelings for you.

Offer Interesting Alternatives

Kids use gadgets because they have stimulating and entertaining games. You can recreate the same effect in offline activities based on what your kid likes to do. 

If your little one is a football fan, enroll him in a club for daily matches. Or, play with him in the yard or local park. Similarly, if your kid loves high-tech things, give him a hoverboard and DIY kits. 

Another amazing way is to develop an interest in outdoor activities in your children. Take them on camping, bug collecting, and zoo exploration trips. 

Create a Screen Time Routine

This is a hard one, but if your child already follows a daily routine, consider making changes to it. 

Set a healthy screen time limit according to age, and make your kid aware of this time. As a result, instead of using gadgets all day, your child will eventually start looking forward to his screen time. 

Be a Good Role Model

Last – but most important – reduce the time you spend on the screen. Children observe the behavior of their adults and imitate it. So, if your kid has too much screen time from a young age, it’s because you do too!

Work on yourself and become a good example for the children. Spend more time on offline activities with your kids and show them how fun the world is without screens!

The post Screen Time and Kids: 5 Tips to Cut Back Without a Fight appeared first on Australian Times News.

Take paid surveys

Paid surveys are a great way to make money at home, especially if you’re not looking for a full-time job. Many sites offer paid surveys, but it’s essential to find the best sites in order to earn more money. It is also important to consider whether or not you will be able to dedicate the necessary time and effort required by these sites. The pay rate of these sites can vary widely depending on their focus, so it’s vital that you check out each one individually before signing up with them.

Hire out a parking space or garage

When I was living in downtown Boston, parking was at a premium! It can cost up to $3.75 an hour, so people often look for ways to reduce that cost. If you already have a parking space or garage, consider renting it out to people over more extended periods of time. This will significantly reduce the cost for them and put money in your pocket at the same time. It is a win, win! 

You can rent out your garage or space and get paid by the day or month, depending on how long you want and what kind of car needs to be parked there. You should check how much Perth storage prices go for to set a price point, set up an advert and then start raking in the cash.

Hire out your backyard

You can hire out your backyard for a party or wedding, or photo shoot. Many other types of film and commercial shoots also use backyards as the setting.

If you’re not interested in being directly involved in these types of shoots, you could simply rent out your house to those who need it for these purposes.

Tutor and spread the knowledge

If you are passionate about a subject, tutoring is an excellent way to make money from home and share your passion with others.

You can tutor adults or children in person or online. The latter option is excellent for those who have a full-time job but want to earn extra cash on the side. You will be helping people whilst sharing your knowledge and earning some money. Sounds great, right?

Some examples include:

• History
• Science 
• Math (elementary through college level)
• Creative writing

Become a craft seller

You might have a knack for creating things like jewelry, clothing, or home decor. If so, you could turn your hobby into an online business by selling your handcrafted goods online. Sites like Etsy and eBay are great places to start selling your handmade items!

If you want to get more creative with how you sell your crafts, consider setting up a simple website where people can buy directly from you (and even request custom orders). Or promote yourself on social media platforms like Instagram or Facebook; as long as people know about the cool stuff that you do, they’ll be more than happy to share it with their friends!

You might also want to consider selling at craft fairs—you’ll show off what makes YOU unique while making some extra cash along the way!

Sell digital products on Etsy

Etsy is a great place to sell digital products. It has a vast community of buyers and sellers, an established reputation for being safe and reliable, and reasonable fees.

The platform is also very easy to use. For example, you can upload images of your product, write an item description that includes information about it (size, color options, etc.), set its price in US dollars ($), add tags that describe the product (“bunny rabbit,” “quilting pattern”), specify shipping costs (if applicable), and then get started on processing orders from potential customers!

Do some freelance writing!

If you’re a writer or just enjoy writing and want to make some extra cash, freelance writing might be the perfect gig. You can write for bloggers, magazines and e-zines, websites like HubPages and Squidoo—the list goes on!

It’s a flexible job that lets you work at your own pace with minimal supervision to get in the way of your productivity. And it doesn’t take much training to start making money as a freelance writer either: many websites will teach you how to write for them for free so that they know what kind of quality their audience expects from their writers before hiring them officially as paid employees!

If writing is not for you, work as a freelance proofreader

Proofreading is a great way to make money at home. It’s also fun and not particularly difficult, so it can be a good option for those who are looking for something that doesn’t require a lot of training or experience.

Proofreading jobs can come from anywhere — you could get them through an online marketplace like Upwork, or you might find them by applying directly to a company that hires freelancers (like the National Association of Professional Proofreaders).

The pay ranges from $10-$15 per hour, depending on your level of expertise and where you live in the world. 

Finally

Hopefully, we’ve given you some inspiration and fresh ideas for ways to make money at home. Remember that anyone can do this—even if you have no experience writing or blogging, it doesn’t matter! You don’t have to have an hour commute or be at a 9-5 job every day to earn money! There are so many great opportunities for making money from home now, so go for it.

ALSO READ; Our expert guide to creating a financial plan

The post Unique ways to make money at home in Australia appeared first on Australian Times News.

What is the Eden Beach Resort & Spa?

Eden Beach Resort and Spa is a premium hotel in Thailand that offers world-class amenities and services. Eden Beach Resort features a wide range of accommodations, from standard rooms to deluxe suites, all of which are stylishly furnished and equipped with modern amenities. In addition, Eden Beach Resort offers a variety of dining options. Whether you’re looking for a relaxing getaway or an action-packed vacation, Eden Beach Spa is the perfect destination.

What to Expect at the Eden Beach Resort & Spa, a Lopesan Collection Hotel

The Eden Beach Resort & Spa, a Lopesan Collection Hotel is a world-class hotel situated on the white-sand beaches of Thailand. The resort offers luxurious accommodations, first-class service, and a wide range of activities and amenities to make your stay truly unforgettable.

Here’s what you can expect during your stay at the Eden Beach Resort & Spa:

Luxurious Accommodations: The resort features beautifully appointed rooms and suites, each with stunning views of the ocean or lush gardens.

First-Class Service: From the moment you arrive, you’ll be pampered by our attentive staff. Enjoy 24-hour room service, concierge services, and much more.

Wide Range of Activities: There’s always something to do at the Eden Beach Resort & Spa. Take a dip in one of our three outdoor pools, get pampered at the spa, or take part in one of the many other activities offered by the resort.

Endless Dining Options: The Eden Beach Resort and Spa features several restaurants and bars, offering everything from Thai cuisine to international fare. Whether you’re looking for a quick bite or a multi-course meal, we have something to suit your taste.

Why Choose the Eden Beach Resort & Spa?

The Eden Beach Resort & Spa is a luxurious and secluded beachfront resort located in Khao Lak. The resort offers guests a unique and exclusive experience with its stunning oceanfront setting, world-class facilities, and personalized service.

The Eden Beach Resort and Spa is the perfect place to relax and escape the hustle and bustle of everyday life. The resort offers a wide range of amenities and activities to keep guests entertained and comfortable during their stay, including an infinity pool, a spa, a fitness center, and more.

What sets the Eden Beach Resort and Spa apart from other hotels in Thailand is our commitment to providing our guests with the highest level of service possible. Our team of dedicated staff members are always available to attend to your every need, ensuring that you have a truly memorable experience while staying with us.

The Rooms and Suites

Eden Beach Resort & Spa in Thailand offers an array of rooms and suites to choose from, each one designed with your comfort and convenience in mind. Whether you’re looking for a cozy room for two or a spacious suite for the whole family, we have just the right accommodations for you.

Our rooms and suites are appointed with all the modern amenities and conveniences you need to make your stay as comfortable as possible. And our friendly staff is always on hand to attend to your every need.

So come and experience the luxury and relaxation of Eden Beach Resort or Spa for yourself. We guarantee you won’t be disappointed.

The Food and Drink Options

The food and drink options at Eden Beach Resort & Spa are unbeatable. From our world-class restaurants to our on-site bars and lounges, we have something for everyone.

Whether you’re looking for a quick bite or a five-course meal, our restaurants will not disappoint. For those who want to relax with a cocktail in hand, we have multiple bars and lounges for your enjoyment. And for those who like to keep things healthy, our fitness center and spa offer the perfect escape.

No matter what your preference, Eden Beach Resort and Spa has the food and drink options to make your stay unforgettable.

Activities at the Eden Beach Resort & Spa

The Eden Beach Resort & Spa offers a wide range of activities and facilities for guests to enjoy during their stay. The resort has two swimming pools, a spa and a fitness center. There are also plenty of activities to keep guests entertained.

How to Get There, Parking, Security and More

Eden Beach Resort & Spa is located in Thailand. The resort is on the right-hand side. Parking is available on site, and security guards are stationed at the entrance and exit to ensure the safety of guests.

The best way to experience all that Eden Beach Resort and Spa has to offer is to stay for a few days, but if you’re just passing through, there are plenty of activities nearby that can be enjoyed in a day or two.

Connect with an Experienced Travel Expert

Eden Beach Resort & Spa, a Lopesan Collection Hotel offers travelers the opportunity to connect with an experienced travel expert who can help them plan the perfect trip to Thailand. The travel experts at Eden Beach Resort and Spa are knowledgeable about all of the best places to visit in Thailand, and can help travelers plan an itinerary that includes all of the must-see attractions. In addition, the travel experts at Eden Beach Resort & Spa can also provide travelers with insider tips on how to make the most of their time in Thailand.

ALSO READ: Tips for travelling as a beginner

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Given the availability of choices, it is essential to choose the right course or degree and gather all the facts to make informed decisions. Below, we discuss some courses/degrees that you can pursue after 12th grade Arts and Humanities –

Bachelor of Arts

The most sought-after route students take after completing their 12th grade in Arts is the BA degree which covers a comprehensive set of standard topics and subjects important for an Arts student to perfect. Depending upon your college, you can also choose a specialisation to study further. Under this 3-year program, you will learn topics such as

• Philosophy
• Economics
• History
• Psychology
• Anthropology
• Sociology
• Art and Design

After pursuing this course, you can choose from career options like Management Consulting, Sales, Marketing, Illustrator, Film Making.

Bachelor of Design

A course in Design is for those who wish to further their knowledge and career in the design industry, a rapidly growing sector given the technological advancements and integration of AI in Design. With a Bachelor of Design, you can get a basic understanding of the different specialisations of Design and delve into a design field of your choice. Under this four-year program, you will learn topics such as

• Fashion Design
• Industrial Design
• Multimedia Design
• Game Design
• Textile Design
• Interior and Architecture Design

After pursuing this course, you can choose from career options like art director, product designer, UI/UX designer, or graphic designer.

Bachelor of Psychology

For those who live in a constant state of intrigue and want answers to why the human mind works the way it does, this course is for you! Under the Bachelor of Psychology course, you will understand the basics of human behaviour and development, after which you can specialise in particular areas of psychology. Under this three-year program, you will learn topics such as

• Human Biology
• Social Psychology
• Cognitive Process
• Clinical Psychology
• Child Psychology

After pursuing this course, you can choose from career options like Psychologist, Counsellor, Child Psychologist, Career Counsellor, Researcher, Social Worker, and Behaviour Analyst.

Bachelor of Humanities and Social Sciences

A Humanities and Social Sciences degree enables you to study the highly theoretical aspects of social studies, humanities and human behaviour. The coursework requires a lot of critical thinking and creativity that can be applied to various career paths. Under this three-year program, you will learn topics such as

• Sociology
• Political Science
• Economics
• Law
• Civics
• Literature
• Cultural Studies

After pursuing this course, you can choose from career options like Archaeologist, Economist, Content Writer, Content Editor, and Genealogy.

Bachelor of Journalism and Mass Communication

Got the knack of being in front of the screen? Or behind it? The Bachelor of Journalism and Mass Communication degree is for you! You will get to study the basics of media management and every constituent of media and entertainment. Different subjects are curated for different media types like TV, film, print etc. Under this three-year program, you will learn topics such as

• Media Writing
• Communication
• Political Science
• VFX
• Design and Graphics

After pursuing this program, you can choose from career options like Magazine Editor, FIlmmaker, Public Relations Manager, Reporter, Copywriter, etc.

Bachelor of Performing Arts

Do you wish to learn about the entertainment world and be a part of it? The Bachelor of Performing Arts degree teaches you the three main types of arts – music, dance and drama and has a great blend of theoretical and practical learning. The course helps you fine-tune your artistic entertainment skills and teaches you new advancements in the performing arts industry. Under this three-year program, you will learn topics such as

• Public Speaking
• Dance
• Drama
• Music
• Languages
• Sound Design
• Physical Theatre

After pursuing this program, you can choose from career options like Choreographer, Theatre Director, Art Administrator, Voice Coach, etc.

The vastness of the Arts and Humanities field has enabled students to follow their hearts and choose courses that require a lot of creativity and a burning passion. All of these courses are highly ranked and are well-paying upon graduation.

Have an idea about the degree you want to choose? It doesn’t stop there! Choose a college or university that ticks all your boxes. With that, choose amber student accommodation for your study abroad journey, and find various options, from student accommodation in Melbourne to student accommodation in Sydney! 

Amber and you- AmberStudent is an online student accommodation that helps you secure a home of choice on your study abroad journey. Having served 80 million students (and counting), AmberStudent is your one-stop shop for all your accommodation needs, Amber helps with assistance, booking and price match guarantees! Check out their Facebook and Instagram and stay connected!

Author’s Bio

Madhura Ballal plays many roles – a cat person, a food lover, an avid marketer and a postgraduate from the National University of Singapore. You can find her painting, doing yoga and spending time with her friends when she’s not playing one of the most critical roles that she has taken on- writing.

ALSO READ: The impact of Online learning on Mental health

The post What to Study after 12th Grade in Arts and Humanities? appeared first on Australian Times News.

However, creating this financial plan can be complex, as there are many things to consider. That said, there are various steps you can take to ensure you create the best financial plan for you.

Read on, for our expert guide on financial planning.

• Seek a modern wealth manager

The first, and potentially most important step to take when creating a financial plan is to seek the expert advice of a modern wealth manager.

Your professional adviser will give you excellent guidance for creating your plan, and help you take the most effective approach towards building your wealth for the future.

Every individual’s financial circumstances are unique, so your adviser can give you equally unique advice that’s tailored to your specific needs and financial situation. This ensures your plan is best suited to give you the best financial outcome from your individual circumstances.

Your adviser will also take into account any challenges or concerns you might be facing, to not only give you the best approach to overcome them, but also help restore your financial confidence.

• Establish your financial goals

Once you have the expert advice of a wealth manager, the next step to take in creating your financial plan is to establish your financial goals for the future.

These objectives are essential, as they help give your financial plan the direction it needs, and form the trajectory of what you want to achieve both in the short and long term.

Much like your financial circumstances, your future goals will also be unique, and therefore require your adviser to help you refine and shape your plan so your goals are achievable and aligned with your current circumstances.

• Create a structure for your investments

Another important step is to structure your investments so they allow you to achieve your financial goals in the most efficient way possible.

With the help of your adviser, you can optimise your investments so they balance the right amount of risk and potential return that’s necessary to build your wealth for the future.

Your adviser can also help you to find the most appropriate portfolios and securities to invest in that align with your own unique values as an investor – for instance, you may wish to explore socially responsible investing (SRI) as an option.

Your wealth manager will typically manage your investments for you, so you won’t need to spend too much time monitoring your portfolio or buying and selling assets – they will invest on your behalf.

• Consider ongoing financial advice

The final step to take when creating a financial plan is to consider taking ongoing financial advice from your wealth manager.

Your circumstances may change every so often, which can then affect how well-suited your plan is to growing your wealth efficiently.

These changes can come in the form of career changes, lifestyle choices, or even external factors such as inflation rates and how well the economy and financial markets are performing.

With ongoing advice, your expert advisers can regularly monitor and review your plan, to ensure your wealth is resilient and prepared for these changes, as well as maintaining an optimal approach to help you reach your financial goals as your circumstances change.

Follow these expert tips to help you create a financial plan with a better chance of achieving a successful financial outcome. You can also seek the advice of a modern wealth management service now, to start building the foundation for your plan.

Please note, the value of your investments can go down as well as up.

ALSO READ: How can a buyer’s Agent Help you Invest in the Right Property?

The post Our expert guide to creating a financial plan appeared first on Australian Times News.

If you’re looking to find some of the top played pokies in Australia that offers higher prize money, here is our list.

1. Starburst

Starburst is a 10-year-old game by NetEnt, but the best thing about this game is the simple game idea. Thousands of players play this game for the sake of fun and winning money. So, most Australian online casinos try to include this game in their list.

Starburst is one of the most recommended games for beginners, and it has a low-volatile playing style that will help you earn more cash. On winning, it can give at least 20,000x times your original bet.

2. Book of Dead

It is classic pokies that many gamblers love and the second most played pokies over online casinos in Australia. The Book of Dead can be said to be a sequel to Legacy of Dead, but this version of pokies is enhanced with better payout rates and graphics.

In this game, you have to load up the book symbol in three places in the grid. The expansion of characters in the Book of Dead pokies gives you more chances to win bets. Book of Dead has an RTP of 94.25%, which is why this online poky is played the most.

3. Bonanza

In this game, you can win your bets in 118,659 ways. It is also Big Time Gaming’s first Megaways game with a six-reel gaming system. If you get the scatter symbols in the reel, you will be rewarded with 12 free spins. Increasing the multiplier meter will give you more chances to win free spins.

4. Gonzo’s Quest

This premium online poky is provided by NetEnt, one of the renowned iGaming brands. It has been in casinos since 2011 and now is one of the most popular pokies played by gamblers for fun and earning huge cash.

Gonzo’s Quest has intimidating graphics, where you must hunt down the gold. As a new player, you can try the Free Fall bonus, which gives 3-4 golden tiles that can increase your chances of winning 10 more free falls.

5. Primate King

Yet another famous online pokies played by thousands of gamblers over online casinos. In this game, you will find symbols with treasure chests, snakes, and maps. With an RTP of 95.56%, players mostly win their bets.

In this game, your task is to fill in the Primate Wild Progress Bar, where you can collect tons of gold coins. When you get to fill the multiplier wilds bar, you can get the chance to win some huge amounts of money.

Final Note

These online pokies are the best game you can play for fun and to win cash. The RTP of these games is the best over any other online pokies. If you haven’t played any online pokies before, then you can try out the pokies mentioned above.

ALSO READ: How to Recognize an Online Gambling Fraud and Protect Yourself

The post Online Pokies to Play for Fun appeared first on Australian Times News.

Because nothing has improved, when networks migrated online, scammers followed. Online gambling scam is when a dishonest person tricks or takes advantage of an online gambling site for money. This kind of scam can manifest itself in various ways, including multi-accounting, reward abuse, commission scam, and financial fraud. This article discusses how to recognize online gambling fraud and protect yourself.

The Online Gambling Reviews

It is easy to recognize an online gambling fraud site by checking and reading online reviews and its reputation. Being aware of and avoiding sites with purely positive reviews is integral. Fraudsters may use robots’ applications to rate and review their sites to make you believe their sites are genuine. Players are also advised not to sign in or enter online gambling sites with poor ratings and negative reviews. A genuine site will have real thoughts and a rate range of 4.0 to 5.0. It is also essential to research and compare different online gambling sites and choose the best site that fits your needs and requirements.

The Websites Security and Licenses

This is one of the most integral factors in recognizing a fraud website from a genuine one. Fraud websites will lack government licenses and other relevant information. Players should sign into a website protected by an SSL certificate and valid government licenses. Creating an account on any online gambling site means providing your personal details, and you must be assured that it is encrypted and safe. Players should check the universal resource locator (URL) of the site. 

The URL must begin with ‘https’ and not ‘http’ the ‘s’ usually stands for secure. This means all the players’ information, transactions, and communication with the online gambling site is encrypted and protected. Players should be aware of and avoid online gambling sites that do not provide proper terms and conditions and how players’ information will be protected from cyber-thieves.

The Most Common Types of Online Gambling Fraud

The following are the top common types of online gambling fraud that players and gambling site owners should be aware of:

Fraud on several accounts

By owning several user profiles, fraudsters frequently attempt to get an opportunity on online betting sites. To prevent it from being discovered, fraudsters often set up several registrations via various gadgets and IP addresses. At betting platforms, it is very typical to see cyber-thieves using stolen information. They can swiftly and easily check if they can enable the card to function, allowing them to clean money made from the enormous quantities of compromised transaction details that are easily accessible on the darknet.

This is prevented by solid credentials and two-factor authentication procedures, together with biometric identification programs that look at a user’s IP address, location, contact information, equipment biometrics, and other user information, which can help you know who is accessing your website.

ALSO READ: Development of Casinos in Australia

The post How to Recognize an Online Gambling Fraud and Protect Yourself appeared first on Australian Times News.

Due to a change in consumer food preferences, there’s a massive demand for high-quality food at affordable prices. This is a need that food trucks have been able to address quite effectively. Also, the fact that they allow entrepreneurs to enter the food industry with an initial investment that is much lower than opening a traditional café or restaurant means that you can expect to see more and more food trucks in Australian cities and urban centres.

Why Food Trucks?

In Australia, most cafés and restaurants – be they traditional brick and mortar or mobile food trucks – are independently owned, as opposed to national or global food chains which are common in other western countries like the United States. Food trucks as a dining option have gained widespread popularity across Australia, with almost two-thirds of the population eating out at least once every month.

There are now numerous mobile apps and online listings that are dedicated to showcasing what food trucks and food options are available in different locations across the country. Moreover, just like a conventional restaurant, a mobile catering business or a food truck is an excellent option for potential investors who want to enter the food and beverage industry.

In comparison to a restaurant, it does not require you to incur costs in terms of initial and operating expenses. You spend way less on inventory, furniture, utilities and rent (which is often an annual lease). However, investing in a food truck will still require you to own or buy a vehicle, which can increase the starting costs significantly. You also need to spend money on hiring a few staff, some inventory, fuel, car insurance, permits and licences to operate.

Nonetheless, the initial investment in a mobile catering business or a food truck is still much lower than that of opening a restaurant at a fixed location.

Profitability and Revenue

Profits for food truck owners are dependent on many factors including cost of fuel, staffing levels, food quality, pricing, location and more. Currently, many food truck owners in Australia double up as cooks and chefs in their mobile catering businesses in order to save on labour costs. 

To thrive and be profitable in the food truck industry in Australia, one has to have a good grasp of issues like ingredient availability, food popularity and hot trends. The following characteristics can best describe Australian food trucks:

– The food is delicious.

– The pricing is affordable.

– The menu is simple.

These characteristics are one of the main reasons why food trucks have become so popular across the country. But there are many other reasons that we can attribute to the growing popularity of food trucks in Australia.

What Makes Food Trucks So Attractive

They have become very popular especially after the COVID-19 lockdowns because people can eat out like before. People love them mainly because of their convenience and the experience they offer. They also provide a great avenue to meet new people and be involved in the local community. 

So, what makes food trucks so attractive in Australia? Here are some of the reasons:

1. They Have an Amazing Atmosphere

Food trucks without a doubt have an amazing allure and atmosphere. Most mobile restaurants have seating areas where customers can enjoy their meals while mingling and enjoying the sights and sounds of the great outdoors. Some food trucks even have activities and games for adults and kids who want to hang out with their friends without spending a lot of money.

2. They’re Unique

When you visit your local food truck, you’re getting a unique, chef-prepared meal from an origin that’s not your run-of-the-mill fast food restaurant. People enjoy trying out different cuisines as compared to eating the same thing over and over again. On top of this, it’s just super exciting to eat something that you can see being made in front of you.

3. They’re Super Affordable

Another reason why food trucks have become so popular across Australia is that they are cheap! Most mobile restaurants offer a wide variety of menu options from hot dogs and fries all the way up to full meals like steak sandwiches and fish tacos. Food trucks give people a way to fill their bellies without emptying their wallets.

In fact, most food trucks serve meals under $10, which makes them a really cheap option for people who don’t want to spend $100 on a meal or those who just want to get a quick meal before heading back home after school or work.

4. They’re Convenient

As already mentioned, food trucks are extremely convenient. If you want something tasty but don’t want to wait in line or drive around looking for parking, then getting your meals from a food truck is a convenient way to get what you want. Most trucks have mobile apps with their locations listed so that customers can easily find where they are parked for the day. This makes them extremely easy and convenient to access.

5. They’re Fun

Food trucks are quite common in events, festivals and other social gatherings where people gather to have fun and socialize. This means both food trucks and the events they cater to are extremely fun. People enjoy trying out new foods in a relaxed and casual setting as they enjoy some music or any other form of entertainment. Some mobile restaurants even include contests, games, live music and other kinds of entertainment that make people want to keep coming back for more.

Conclusion

Food trucks have become a hit with Australians because the food they serve is better tasting and unique than your everyday fast-food restaurant. Australian food truck manufacturers have since a huge increase in sales in recent years. Food options are also cheaper because a food truck doesn’t have all of the operating expenses of a fixed-location restaurant. The future of food trucks in Australia is most definitely bright!

ALSO READ: How to Withdraw Money from An Online Casino

The post The Rising Popularity of Food Trucks In Australia appeared first on Australian Times News.

Budapest, Hungary

Voted the most beautiful Christmas market in Europe, Hungary’s Christmas market on Vörösmarty square is Budapest’s longest-running and biggest. The market is home to many local artisans and craftspeople, all of who set up a stall and sell their handmade crafts, with popular options being wooden toys and pottery. If food is more of your thing, many stalls sell freshly made Hungarian delicacies, such as chimney cake (kürtőskalács) and goulash (gulyás). With over 100 stalls, there is guaranteed to be something for everyone. 

Although Vörösmarty square is Budapest’s biggest, the city also is home to smaller yet equally exciting markets. Other options include St Stephen’s Basilica market, which not only has an ice-skating rink but St Stephen’s displays an incredible lighting display right on the basilica. With Budapest being a short flight away, why not visit both?

Krakow, Poland

Krakow’s Christmas market is Poland’s number one Christmas market, located in the middle of the historic Old Town, the city’s central square. A long-standing tradition which dates way back to the 13th century, local artists set up their own timber stalls and sell a huge variety of Christmas decorations and traditional gifts.

In addition to numerous stalls across the square, the market also provides free entertainment in the form of musical performances by choirs and village artists alike. Krakow also hosts an annual Christmas tradition, where locals compete to create their very own nativity scenes (szopkas.) These structures can vary in size and grandeur with the winning nativity scene earning a spot in Krakow’s historical museum. If you time your visit for the first Thursday of December, you will witness the procession of the nativity scenes, where those who have entered present their creations in the market. 

Rome, Italy 

Rome is home to many Christmas markets which are all nearby popular tourist attractions. The most popular Christmas market in Rome is located in Piazza Navona, one of the largest squares in the city. Piazza Navona is steeped in history, making it the perfect backdrop for history lovers. The square is built upon the Stadium of Domitian, which housed 20,000 spectators back in 86 AD. 

The Christmas market itself hosts everything from stalls selling Christmas treats and handcrafted presents and souvenirs to a Christmas carousel. Even though the temperature in Rome averages about 13 degrees during the winter months, the Christmas lights and mulled wine help create a festive atmosphere.

Sofia, Bulgaria

Sofia is home to a German Christmas Market, held in the beautiful City Garden on Knyaz Alexander I Square. A great choice for those travelling on a budget, this lesser-known market has everything you would expect from a traditional Christmas market but is known for its exceptional value. The market stays open late and hosts musical performances as well as providing drinks such as mulled wine throughout the evening. 

As it’s a German Christmas market, you will find typical German cuisine however you can expect more traditional Eastern European delicacies, including sauerkraut. For those looking to bring home souvenirs, the market is also home to a wide array of gifts and crafts. With affordable flights, Bulgaria is an enchanting and budget-friendly winter escape.

Oslo, Norway

With the promise of snow and colder temperatures, Norway is a fantastic choice for a festive destination. Even despite the shorter days, the festive spirit and cosy atmosphere make for the perfect backdrop to Christmas markets. The main Christmas market is called “Christmas in Winterland” (Jul i Vinterland) which is centrally located in the centre of the city and offers handcrafted goods, food, and hot drinks to keep you warm in the colder temperatures. There’s even an ice rink and a Ferris wheel which is perfect for families. 

With temperatures averaging with highs of just 1 degree in winter, you would be forgiven for not wanting to get your Christmas market fix outdoors. Luckily, there’s an indoor market not far away at Youngstorget, a plaza in downtown Oslo, Julemarked. This market is held in heated traditional tents and sells all you can expect, from handmade souvenirs and decorations. 

ALSO READ: The impact of Online learning on Mental health

The post Best Christmas Markets in Europe appeared first on Australian Times News.

Thus, many people look for high-speed, reliable, and secure sites. This is why it is essential to pay attention to the best withdrawal methods, their requirements, and which site offers the best option for you. This article highlights some key tips on withdrawing your winnings.   

Check out the Available Withdrawal Methods

First, head to the cashier or withdrawal button, usually near where the deposit was made. Click it and review the available payout methods. Primarily, you need to identify the transaction time, wagering and rollover requirements, and a thorough verification process when choosing a payout method. As a first-time player, you should verify whether the operator is trustworthy before depositing to a new gambling platform.

Bank Transfers and E-Wallets

On most sites, the available withdrawal methods include bank transfer, e-wallets, cryptocurrency, credit and debit cards. Each of them comes with different terms and conditions that vary depending on your chosen option. Bank transfer is a popular and almost universal payment method for most online casinos. It takes longer than other methods, and players must pay additional fees for its processing.

Some of the most widely used e-wallet withdrawal methods include EcoPayz, Neteller, Apple Pay, Skrill, and Paysafecard. E-wallets particularly offer immediate payments. Skrill is well-known among gamers with its ability to change cash from one currency to another easily. Neteller also guarantees funds transfer through a safe and secure process.   

Cryptocurrency and Credit/Debit Cards 

Cryptocurrency is a highly recommended withdrawal method based on the speed and higher payment limits it offers. Bonuses and conditions on gambling sites become more favourable when you use cryptocurrency as a cash-out method. Using bitcoin also means you will not be charged additional fees for processing your payment.    

Credit and debit cards are popular deposit methods, but not many online casinos offer these methods for payouts. Credit card payment limits usually range between $150 and $2,500 with no additional fees. You can visit Olympia to check how these methods from the best online casinos operate. It is a reliable platform that guarantees speed, and security, and offers numerous bonuses.    

Furthermore, many operators now have a mobile casino offer to gamers. With this, they can easily access the features from the original site, including the withdrawal option. After checking the available options, you can then input the amount you wish to withdraw.

How Long Should You Wait?

While finding an online casino with instant withdrawal is excellent, you should focus on security and reliability over speed. The security of your transaction makes it easier to get hold of your winnings without disruption. The delay that might sometimes occur in getting your funds is to ensure security. This is because it is the only way the operators can confirm if the money is being sent to the right person under the right circumstances. 

Reasonable Delay Period

A reasonable withdrawal time ranges from 1 to 7 business days. The different withdrawal options have a specified time frame for processing your funds and sending them to you. Casino sites that offer the credit cards option process the payment quickly after verifying your bank.

Bank transfers offer unparalleled security since funds are transferred from one bank to another. They, however, take as long as 5 – 7 days. Bitcoin payment can be as fast as 24 hours. It is also the safest method to withdraw your winnings. 

Other Reasons for Delay 

Apart from security, some other reasons for payment delay include holidays, a high volume of withdrawal requests, fraud, identity checks, and technical issues. This is why you must choose a trusted gambling platform and one that works best for you. You should also have enough funds in your casino account compared to the amount you are inputting for withdrawal. In essence, determining how long you should wait for your funds depends on which withdrawal option you select.

Final Thoughts

While processing your withdrawal, ensure that you have read the relevant terms and have met the necessary requirements. Do your due diligence and ensure you are trading on a safe and secure platform. Always review the transaction times and the additional fees required for each payout method before choosing.   

ALSO READ: Development of Casinos in Australia

The post How to Withdraw Money from An Online Casino appeared first on Australian Times News.

Create A Colour Palette with Soft Whites and Light Neutrals

It’s easy to create a harmonious kitchen with soft whites and light neutrals that make all the difference in mood and atmosphere. The design remains stylish long after the trend is out of date, and you can easily update the kitchen’s look using affordable, temporary accents. Use simple but attractive hues inspired by nature, such as porcelain, light grey, graphite, and natural stone. If you want a fashion-forward design, go for minimal blue, green, red, or yellow splashes. Typically, Shaker kitchens were painted or stained, while the kitchen doors would have been treated with oil to retain their natural look. 

Invest In Well-Crafted Wooden Furniture

Traditionally, Shakers worked with pine, maple, and cherry wood, focusing on quality, not quantity. Wood is, therefore, a good option as long as it’s in an aged state – you can give a second life to a butcher’s block or an old counter as a central island. It may be tempting to DIY your kitchen renovation, but you might regret it. Invest in well-crafted furniture made from local wood because it’s more sustainable, longer-lasting, and arguably more beautiful. As a natural material, wood instantly adds warmth to the kitchen, so stain it or leave it looking natural. With rich tones and various finishes, you’re embracing a style that will always be in fashion, no matter what.

You’ll want accurate measurements and a well-thought-of solution. As far as kitchen furniture is concerned, it’s recommended to select functional pieces that can be placed vertically in smaller spaces or horizontally in larger ones. According to the experts, you should have thrice the amount of storage of your current requirements so that you have some space left for future needs. If you decide on a matte finish for the cabinets, think about choosing Shaker-style doors, which are a timeless classic. You can use a darker colour for the cabinets to achieve a sleek and moody space. 

Hang A Couple of Peg Rails

Peg rails are some of the most straightforward and appealing types of storage you can add to the kitchen. You can hang everything that you need to be close at hand on pegs. You can hang dusters, scrub brushes, and more. In case you didn’t know, the Shakers invented the humble peg rail to keep households organised and streamline cleaning. Hanging a peg rail instantly transforms the room, removing clutter and maximising space. For such a simple product, it can do a surprising number of things. You don’t need to hang your chairs, but a few peg rails can help you find storage bliss.  

Install Integrated Appliances

You can seamlessly integrate these appliances into your kitchen units, saving room that would otherwise be taken over by cabinets. You can appreciate the refined aesthetics of the cabinets (or worktops) as your fridge or washing machine is hidden from the view. Since the surrounding units accommodate integrated appliances, you can minimise noise and wobble. Attention must be paid to the fact that integrated appliances are expensive and difficult to repair. No engineer can easily access faulty appliances, meaning the job is labour-intensive.

At the beginning stages of planning the kitchen layout, think about how you’re going to integrate the appliances. Integrated appliances are a good choice for a U-shaped kitchen, freeing up the workspace and ensuring a clutter-free design. The primary appliances you can integrate are the fridge, dishwasher, and freezer, but you can also integrate small beverage units. The fact is there’s no rule as to what you can integrate or not, meaning the choice is up to you. Install the appliances that you use on a regular basis to make them more accessible. Remember that the overall effect of the kitchen can be spoiled by appliances taking centre stage. 

If Room Allows, Add A Kitchen Island  

A kitchen island is the best addition you can make to your Shaker kitchen owing to its simplicity and function. The additional space is practical, and you have a brighter, more comfortable surface to work at or prepare meals. A kitchen island is ideal for families that cook together or those who love to prepare casseroles with food. You can use the island as a dining table as long as there’s space for chairs, but even a smaller one gives you enough space. Have a bespoke kitchen island tailored to your unique needs. It will add a touch of classic charm to your cooking area and double the amount of available space. 

Closing Thoughts 

The Shaker style is perfect for any home. Everything is crafted to serve a purpose as the Shakers thought that daily activities, whether important or trivial, deserved special care and consideration. Shaker kitchens operate on the principles of functionality, precision, and simplicity, culminating in a design that reflects quality craftsmanship. They can be combined with classic attributes, like groove panelling, or modern materials, such as stone floors. It doesn’t matter if you’re updating a small corner of your kitchen or undertaking a complete renovation, reach out to an interior designer who can add expertise to your vision. 

To sum up, your next kitchen should be a Shaker kitchen. The basic design has evolved, so you can include various elements to make your kitchen more contemporary. You can have glazed doors, cabinetry with obscure glass, or varied colour combinations – the result can be truly breathtaking.

ALSO READ: The impact of Online learning on Mental health

The post How To Effortlessly Achieve a Shaker-Style Kitchen appeared first on Australian Times News.

The Australian Dollar (AUD) is one of the eight major currencies traded in the forex market. These assets comprise the world’s seven major currency pairs (which pit entities like the AUD against the US Dollar), with these pairings accounting for 68% of all daily trades.

If you want to trade forex in Australia, however, you should note that the rules and guidelines vary from one jurisdiction to another. So, what do you need to know about forex trading down under, and how can you get started?

What Are the Key Considerations When Trading FX in Australia?

Let’s start by looking at the key considerations pertaining to trading forex in Australia, including some of the main questions that you’re likely to have as an interested investor.

• #1. Is Forex Trading Legal Down Under? While forex trading has a questionable reputation in some jurisdictions, it’s fully legal and regulated in Australia. In fact, Australia boasts a strict regulatory framework, which is overseen and managed by the Australian Securities & Investment Commission (ASIC). However, this regulatory setup is also incredibly market-friendly, which encourages investment from across the globe and drives collaboration with similar regulators like the FCA in the UK.

• #2. Who Controls the AUD and is FX Trading Taxed? All major currencies are controlled by the relevant central bank, which in the case of the AUD is the Reserve Bank of Australia. Historically, this has maintained inflated rates of interest to help support robust currency values. You should also note that FX trading in Australia is a legal source of taxable revenue, and it’s your responsibility to understand your precise liabilities as a trader.

• #3. What Are the Australian Trading Times? According to Australian Eastern Standard Time, the Sydney Exchange opens at 7.00am, before closing at 4pm. Tokyo, which also handles Asia-Pacific trades and currencies, is open from 9.00am and 3.00pm, with these periods most likely to optimize liquidity for the AUD and similar currencies. Of course, the market is also accessible 24 hours between Sunday and Friday across three geographical trading sessions, so there’s ample opportunity to trade whenever and wherever you are in the world.

How to Trade Forex in Australia

Now that you understand the legality of forex in Australia, its regulatory framework and the main trading windows, the question that remains is how can you trade international currencies safely and successfully and launch your brand-new career? Here’s a brief guide to help you on your way!

#1. Choose Your Currency Pairs and Investment Vehicle

Forex is essentially a speculative market, through which you can buy or sell currencies in dedicated pairs. Popular pairings include the AUD/USD and AUD/CHF, the latter of which is heavily influenced by the robust trade relationship between Australia and China.

It’s crucial that you start small by selecting one or two currency pairs that you intend to trade, focusing on those that reflect your knowledge base or understanding. As an Aussie investor, this may include the pairs referenced above or alternatives such as the AUD/NZD, while the AUD/JPY and highly liquid EUR/USD also provide viable options.

Of course, you can scale your efforts and diversify your currency portfolio organically over time, but it’s important to start small and manage your expectations from the outset.

At the same time, we’d recommend choosing a preferred investment vehicle for trading forex. For example, both spread betting and CFDs (contracts for difference) offer value to investors, although there are subtle differences in terms of accessibility, taxation and functionality that need to be considered.

#2. Understand Leverage and Use This Wisely

The forex market is underpinned by the relationship between margin and leverage, which plays a key role in modern-day currency trading. 

While margin describes your deposit or the amount of money required to open a position, for example, leverage refers to the multiple of exposure to account equity. For example, your margin may unlock leverage of up to 100% or 200% with some reputable brokers, enabling you to open and control positions that are disproportionate to your capital holdings.

While this can unlock significant and inflated returns, however, it may also see you incur devastating losses that are considerably more than you can afford.

So, we’d recommend controlling your leverage and exposure to risk, as you opt to keep this relatively low initially before potentially scaling this in line with increased profitability and as you gain experience in the marketplace.

#3. Be Patient in Your Pursuit of Success

It’s argued that the typical duration for study and achieving success in the forex market is between two and five years, as you’ll need to build knowledge and understanding of the sector while also cultivating a keen sense of determinism over time.

This also enables you to understand the underlying laws that govern change in the forex market, which encourages you to remain patient and disciplined in the pursuit of success and manage your risk responsibility over time.

Another key aspect of preparation is using a broker’s demo account, which can usually be accessed for a period of up to six months and affords you access to a simulated, real-time marketplace in which you can back-test and hone your FX trading strategies.

You can do this without risking your hard-earned capital too, while demo account usage plays a key role in cultivating successful FX trading traits and bridges the often cavernous gap between theoretical knowledge and practical market experience.

ALSO READ: Impact of Influencer Marketing on the Ballyhoo Strategies: Trends & Opportunities

The post Forex Trading Down Under – What You Need to Know appeared first on Australian Times News.

Finding good employees requires work, especially if you’re looking to fill a position that will be integral to your company’s growth or if you’ve had trouble attracting qualified applicants in the past.

So, to find the best candidate for the job, use the information in this manual as a starting point. Read on for some useful insights into the world of recruiting, whether you’re just starting or have been looking for months without success.

1.    Define your company’s culture.

It’s important to take a step back and define your company culture before you begin recruiting. In what ways do you want to see your company reflected in the world? In the office, what kind of atmosphere are you hoping to establish? Identify your company.

Once you have a firm grasp on how your business will be run, you can begin recruiting team members who share your core beliefs and are a good fit for your company’s culture.

A consistent online presence is vital, whether or not you plan to use the internet to find and hire new staff. A well-designed website and active social media accounts can amaze not only your prospective customers but also the most desirable employers.

2.    Use multiple recruiting channels.

There are many options for recruiting candidates in the modern day; thus, it is vital to employ a wide variety of methods to guarantee attracting the most qualified people. In addition to the traditional job boards, social media, employee recommendation programs, and internet advertising are all viable options to help get the word out about your available position.

You can even try using headhunting services provided by companies like InHunt World on this link. These services help companies identify and recruit top talent from around the world. Headhunting firms typically have a network of contacts in various industries, which gives them access to a wide pool of potential candidates. The more recruiting channels you use, the more exposure you get to reach out to the best candidates.

3.    Write compelling job descriptions.

It takes creativity and patience to attract and hire the best candidates. While it is easier to broadcast your job openings to a wide audience, setting yourself apart from the competition to attract and engage top talent is more important than ever.

Once you have a clear idea of the type of participant you want to fill the position with, you can craft a job description that will grab their interest. Your job description shouldn’t just list the required qualifications for the position but also give prospective employees an idea of what it would be like to work for your company.

To attract the most qualified applicants, emphasise the importance of a strong cultural fit with the company in the job description. Then, the right applicants will be selected to join your team.

4.    Screen candidates carefully.

Once applications begin, a thorough screening process must be implemented to filter out unqualified individuals and narrow the pool of candidates down to those most suitable for the role.

Many companies use assessments of a candidate’s abilities and personality, in addition to evaluating resumes and talking to them over the phone, to determine whether or not they are qualified for a position. You should be patient with an effective process of selecting candidates. It will pay off.

5.    Conduct thorough interviews

Having in-depth interviews with all of the applicants who pass the first screening is one of the most crucial parts of the recruitment process. Be sure to ask the candidate some behavioural questions to help you evaluate how they would react in various scenarios. In addition, prepare standard questions regarding their experience and credentials. 

It takes a lot of time and effort to hire new employees. If you do it well, you can attract and employ top talent who will remain loyal to your company. Small businesses thrive or fail based on the quality of their employees, so it’s crucial to select people who are skilled and a good cultural fit for the organisation. It may be challenging to do this, depending on your demands and the current state of the job market. Hopefully, the above information will help! Keep your employees happy to see your company thrive.

ALSO READ: Impact of Influencer Marketing on the Ballyhoo Strategies: Trends & Opportunities

The post Find Your Next Great Employee: The Recruiting Guide for Businesses appeared first on Australian Times News.

How Businesses Benefit from Influencer Marketing

Classic, typical ads often annoy users, causing zero desire to purchase a product or service. On the other hand, influencer marketing works unobtrusively since bloggers correctly fit advertising into their daily content. The peculiarities of this promotional method include:

Accurately targeting the necessary audience

No pressure or persuasion to buy a product, only unobtrusive recommendations from an influencer

• As a rule, advertising takes place on Instagram or TikTok, which attracts a live audience and real customers
• Fast feedback from potential consumers

The last point is especially important since the company that ordered the advertising can quickly identify and correct existing shortcomings. It’s also worth noting that users are more likely to trust the opinions of those they follow on social media, so there’s a higher likelihood of quick sales.

Which Businesses Need Influencer Marketing? 

Here, the answer is easy since this promotional method will be helpful for every company, it’s only essential to think about whom to involve in integrations. For instance, places such as Dr.Bet online casino UK usually have athletes in their ads, while fashion bloggers are often brand ambassadors for clothing. Overall, everybody can implement this tool, but it’s especially effective in such spheres:

• Mass market products for a broad target audience (cosmetics, clothing, items for kids, and other goods we use daily)
• Services for instant use (mobile apps, online courses, food delivery)
• Specialized goods and services (handmade items, medical services, etc.)

Pitfalls of Influencer Marketing Companies Often Face

Nothing is perfect, and influencer marketing also has its disadvantages. And the first implies difficulties when searching for a suitable blogger or celebrity. It’s critical to consider the influencer’s style and ensure that the advertised product or service will interest their followers. In addition, many set quite high prices for their services, and even a regular Instagram story can cost thousands of dollars. It’s a shame if such an amount is wasted, isn’t it?

The difficulty in generating content is the second important point. After all, users are already tired of monotonous advertising and want to see something interesting. Dreaming of quickly promoting your product or service? Generate new ideas and come up with innovative solutions. In addition, remember that it is worthwhile to calculate the budget and all the risks in advance. In general, influencer marketing will be in trend for a long time, and those who know how to make friends with it definitely remain at the peak of popularity!

ALSO READ: Simple Method to Hire Luxury Lamborghini Huracan in Dubai

The post Impact of Influencer Marketing on the Ballyhoo Strategies: Trends & Opportunities appeared first on Australian Times News.

It is no surprise that the COVID-19 pandemic has changed the dynamics of various sectors globally, with education not left out. In a bid to prioritize population health and safety at the time, switching to virtual learning became the order of the day, but have we reverted to our old teaching methods? In recent years, online education has become the most popular and essential in most parts of the world post-Covid. Could this be part of the forecasted ‘New Normal’?

Sometimes, one might get puzzled at how kids in years 10 to 13 now navigate through the GCSE and A-level exams without much physical guidance, like in the pre-Covid days. Students taking up science-based subjects (like chemistry and biology) and essay-based subjects (like history and politics) need more teaching, which virtual learning can provide, but at a great cost.  If schools implement the hybrid system – a mix of in-person and virtual, what relative percentages are we looking at?

This article highlights the pros and cons of online learning, touching on its impact on students’ mental health. The existence of varied opinions on this subject requires a good understanding to develop methods of managing challenges and improving your virtual learning experience.

What are the Pros and Cons of Virtual learning?

The Cons

Fact, as invaluable as online education may sound, it does not work for everyone. A few people have outlined the following drawbacks to one’s mental health as regards learning online:

·         Increased stress and anxiety

·         Social isolation and reduced interactions

·         Fatigue (as called Zoom fatigue)

·         Depression

·         Worsening of already existing medical conditions; and so on.

The Pros

Flexibility

Let’s begin by stating the obvious.

One of the biggest advantages of online learning is likely the freedom to study whenever and wherever without traveling. One could study at their own pace, student or not.

In a survey done by Oxford College UK, respondents were asked what they liked most about online learning. 84% said online courses provided more flexibility than in-person learning. Also worthy of note here is the Study mind platform, which helps students prepare for a wide range of exams such as the GCSE, A-level, etc by providing 1-on-1 tutors for a personalized and efficient learning experience.

It can be tailored to different needs

Different people learn differently, and online learning does everything to ensure that all learning needs are met. For example, a student planning to transition from GCSEs through A-level exams into the university to study medicine would find taking the A-level biology and A-level chemistry a requirement; but these are no easy feat.

A student having difficulty understanding chemical bonding in A-level chemistry could find it easier to comprehend with A-level chemistry tutors at Study mind. The reviews always speak for themselves.

It’s unrestricted

With virtual learning, location is no longer a barrier; neither is culture and nationality. All fears of sociocultural limitations are gone. One could decide to learn from anywhere in the world and be taught by a culture-specific tutor or in any language of choice.

It’s immediate

Not only are online students able to begin a course immediately, but they can also see immediate results, whether self-paced or instructor-led. Do you want something fast and easy to start while preparing for your GCSEs and A-level? You should give Study mind a shot.

It’s easier

Bringing up the survey from Oxford college once again, students were asked where they found online learning easier than in-person learning. 36.9% of respondents stated they found completing an online course simpler than completing a regular classroom environment. 34% still preferred in-person classes, while 29.1% found both methods equally useful

Anonymity

There is some concern for shy kids or introverts. Getting them to speak in public proves a challenge, but they are likely to open up in a well-controlled study environment with just a tutor virtually. Interactive software offered by Study mind could help them answer questions anonymously to test their knowledge. In other instances of online learning, they could enter discussions without fear of embarrassment, which in the long run, builds their self-confidence.

Increased information retention

Compared to traditional face-to-face education, which has only 8-10% retention rates, e-learning has up to 60%, implying that students retain more of what they have learned. E-learning generally gives students more control over the learning process, allowing them to revisit what they have learned if necessary, promoting better information retention.

Reduced energy consumption

A study found that online learning reduced energy consumption by a whopping 90% compared to the traditional classroom setting in the UK. Astonishing! Energy is saved on large building lighting, temperature control, and student and teacher travel.

Other advantages may include:

·         Cost-effectivity

·         Convenience

·         Downloadable study materials

·         Lots of supervision

·         Preparation for a remote future: In another 3-5 years, about 70% of the US workforce will work remotely for at least 5 working days per month.

·         Development of independent skills

To conclude: Do the pros outweigh the cons of the Mental health impact?

Online learning offers a great lifeline to students to have a better educational journey as they grow, training themselves to be more disciplined, diverse, and in better control of what they want to study and how it should be studied.

It is here to stay. The challenges may not affect all. However, those who may have experienced one or two may not be rid of them that easily (if it is related to one’s mood), but they could do much better with the right tools and information, such as Study mind. You are not alone!

ALSO READ: Academic paper writing services

The post The impact of Online learning on Mental health appeared first on Australian Times News.

The online casino sector has contributed massively to developing the casino industry in Australia. For instance, Australian online casino Joe Fortune and other online casinos are more popular than their land-based counterparts. This piece looks at the development of the casino industry in the country.

Current State of the Casino Industry in Australia

According to reports, the Australian casino market size is $3.8 billion in 2022. Additionally, the market size is projected to grow by 8.6% this year. Interestingly, this growth is a decline from the 9.9% average annual growth between 2017 and 2022.

Nonetheless, the industry is on an upward trend, and many have started calling Australia a gambler’s haven. Reports suggest that three out of four Australians participate in gambling regularly. Popular gambling activities include wagering on online slots and also visiting physical casinos.

According to the AGC Guide, the country has over 200 000 gaming machines. On the other hand, Statista claims that the Australian government collected about $590 million from casinos and gaming establishments in 2020 from tourists.

Online Casinos vs. Land-Based Casinos

The popularity of casino gaming in Australia means that any new operators joining the sector have a high probability of thriving. Australians also love sports betting and any platform that allows them to wager on sports. The most popular sport they wager on is horse racing.     

Casino gambling is available online and offline. The first brick-and-mortar casino opened its doors in 1993 in Tasmania. Since then, the casino has continued to grow, making it a billion-dollar industry. The initial casinos adopted the British-club style before American-style casinos replaced them.

Apart from the official casino establishments in urban areas, you can also wager on the on-field sites. However, online gambling establishments generate more profits than their brick-and-mortar counterparts.

Online gambling includes lotteries, poker, sports betting, and slots. These options generate 75% of the total revenues the industry generates. Moreover, players outside Australia can place bets on Australian online casinos. This could explain why the online casino sector generates massive income.

Contribution to the Economy

Physical casino establishments provide unmatched opportunities for the resurgence of many urban areas. Most of these casinos promote tourism in the areas they operate. This trend has been prevalent as tourists frequently visit the country to gamble. Reports suggest tourists spend around $4 900 during their trips.

Additionally, millions of people are wagering in the country, helping the industry create many job opportunities. For example, casino establishments include shops, hotels, and restaurants. These supporting businesses have created many job opportunities for locals and generated more revenue for the cities.

Also, online casinos usually generate more income, contributing to the government’s budget. The revenue comes from taxation, which the casinos submit, and license fees. Additionally, the industry’s taxation is high to help control the harmful effects of gambling, such as addiction.

Game Type

Sports betting is popular among casino gamblers in Australia. Popular sports include horse racing, football, and eSports. Horse racing is particularly popular in the country since it hosts some of the best horse races in the world.

On the other hand, some popular online casino games are slots, poker, baccarat, and Blackjack. Additionally, live casino games have also become prevalent in Australian online casinos. With so many options on the table, consider reading some casino tips before you start playing.  

Regarding gaming devices, Australians access casinos using desktops and mobile devices. However, mobile gaming seems to be more prevalent. Crypto casinos are also becoming commonplace in the Australian market. More casinos are embracing cryptos like Bitcoin and Ethereum on their platforms.   

Final Thoughts

The casino industry has grown significantly in Australia in the last decade. Experts project that the industry will reach even greater heights in the future.

The post Development of Casinos in Australia appeared first on Australian Times News.

While it largely comes down to preference, there are lots of benefits to booking a vacation rental over a hotel stay. Not only will you have exclusive use of the property but you can save a few (hundred) dollars at the same time. 

So before you lock in a hotel for your next getaway, consider the following advantages of a holiday rental instead. You can perform a quick research online to compare all the options. For example, at Rentola Australia, you’ll find plenty of inspiration in all corners of the country, from seaside apartments to country villas and suburban homes where you can stay like a local. 

Experience the destination in a unique way

In most towns and cities, the majority of hotels are located in the downtown area, alongside office blocks and businesses catering to 9 to 5 workers. Alternatively, hotels and resorts are clustered in tourist districts, with all of the restaurants and attractions catering to out-of-town visitors. While this can be a good thing, it also has lots of drawbacks. 

Number one – you’re not really experiencing the destination like the locals do, with all of the hidden quirks that neighbourhoods offer. Number two – tourist-oriented restaurants tend to be very overpriced, with food that is not always up to scratch. 

When you book a vacation rental, you have the option to stay in districts that aren’t specifically designed for tourists, offering a much more authentic perspective. You’ll be eating where the locals do, seeing off-the-beaten-track “sights” and discovering what really makes the town or city “tick”. 

Most vacation rental owners love sharing their little-known neighbourhood insights with guests, such as the best places to grab your morning coffee, arthouse cinemas and independent boutiques. 

Image: Dos, Canva.com 

You can self cater when you desire

One of the great things about being on holiday is eating out and having someone else prepare your meals for you. But after a few days, the hotel buffet can go from being enticing to monotonous and it can become tedious trying to find a restaurant every single meal that is not only affordable but suits everyone’s taste buds. 

Most vacation rentals come with a kitchen, so you can prepare some (or all) of your meals yourself (and save a bit of money along the way). This is great if you prefer to have your morning coffee or breakfast without having to socialise with other patrons or for those nights when you just want to crash at “home” after a big day of sightseeing. 

Self-catering in a vacation rental also means that you can take advantage of local produce and farmers’ markets to create dishes you love with unique flavours. That doesn’t mean you can’t eat out when the fancy takes you – it’s more about offering the best of both worlds!

Image: bee32, Canva.com 

You’ll enjoy plenty of privacy

Unless you’re booking a luxurious hotel suite or a resort bungalow with its own jacuzzi and plunge pool, chances are you will be sharing the property’s amenities with a lot of other guests. In the fitness centre, you may have to wait to use the piece of equipment you want while the swimming pool could be filled with noisy kids. 

Staying at a vacation rental means that you have exclusive use of the amenities and don’t have to share them with anyone outside of your group. You can enjoy a quiet, romantic night in the hot tub without anyone else spoiling the moment or be able to sunbathe to your heart’s content on the terrace in complete privacy. 

There are lots of family-friendly options

Let’s be honest, travelling with toddlers or babies can be stressful and most hotels are not well-designed for kids. Not only are you dealing with disrupted routines and nap times but you don’t always have snacks on hand to help calm “hangry” young travellers. 

A vacation rental better facilitates a family stay, with a kitchen that you can stock with your favourite snacks and plenty of room for everyone to find their own space. Once the kids have gone to sleep at night, parents don’t have to tiptoe around or watch a movie with the sound turned right down (as they would in a hotel) but can enjoy some quiet time in a separate room of the house. 

Image: zstockphotos, Canva.com 

Value for money

Lastly, one of the main advantages of booking a vacation rental over a hotel is the value for money, with most rental apartments and homes being much more affordable when you compare the space and facilities being offered. While not all vacation rentals are cheap, they almost always offer more square meterage for your money compared to hotels in the same area.

ALSO READ: Simple Method to Hire Luxury Lamborghini Huracan in Dubai

The post 5 Advantages of Booking a Vacation Rental appeared first on Australian Times News.

Online casino game players are spoilt for a choice when it comes to the platforms that are at their disposal. A scan through the internet will yield thousands of online casino platforms each purporting to offer the best features and prizes. If you are a player in New Zealand and are looking for top paying online casino NZ, you may face a challenge. Kim Pascoe, an online casino expert, observes that for most players, especially those who are starting, all casino games seem similar. However, with experience, they discover that there are big differences. Each online casino games operator provides the players with features that attract and retain them. On this front, the features may be different. Kim Pascoe adds that players looking for the best NZ online casino games are likely to get different experiences based on the platform that they select. For one to find the best online casino games, a player must consider the following tips.

1. Do your research on best-paying casino games

You need to carry out comprehensive research on the best payment and online casino games that will provide handsome winnings. For experienced players, this will be easy as they are already aware of the reviews that can help them start.

2. Beware of scammers who promise big payouts only to disappoint

For those who are starting the task of selecting the best payout platform may be challenging. While relying on reviews and comments may yield positive results one must avoid falling prey to scammers. Any online casino games expert will tell you that there are many platforms purporting to offer the best but in reality, they are just out to scam the players. It may not be easy to identify such a platform but when you rely on reviews and comments, you may have an idea when you land on one. 

If you get a platform that is promising the highest payment yet they are not providing the basics such as bonuses and promotions know that you are likely to fall, victim. Other red flags include:

• Negative comments from other players
• Payment methods that are not available or generally not convenient to players
• Your safety and security are not guaranteed on the site
• A platform that is offering just a few games. The best online casino offers players a variety of games including slots, video poker, and table games among others.

Generally, these platforms claim to offer a lot of benefits to the players but ultimately disappoint. So, avoid them by all means.

3. Blackjack and video poker

These are typically the best-paying casino games. Both games offer a wide range of variations with each based on payouts and rules. For example, bonus poker has a different pay structure when compared to Jacks and Better. It offers the players multiple bonus payouts while the jacks and better only provide flat payouts. For those who prefer Blackjack, the casino games feature different rules. 

For 3:2 payouts, the RTP can be raised by 1.4%. If you select the right games, the mixture of rules could deliver up to 99.5% and 99.8 % payback. It is important to note that not all variations may pay well, but there are high chances of finding high-paying games with blackjacks and video poker variations.

4. Bonuses and other promotional offers

While selecting the right games might promise a handsome payout, you also need to be on the lookout for the games which qualify for offers and promotions. In your search, you will discover that not all casino games qualify for these incentives. Some platforms restrict the incentives to the highest-paying games. Check on the bonuses that are offered and find out whether they are worth it. Go for online casino games that promise handsome payouts although at the time they may be requesting large deposits.

5. Zero in one of your favorite platforms

Online casino experts including Kim Pascoe emphasize that players should find a favorite casino and stick to it. However, one should feel free to hop to other platforms if the selected casino does not offer the best. Scan through your favorite casino and find out which of their games pays well. This is easier than moving from one casino to another in search of high payouts. You may hop on several platforms and still not be satisfied as you may find that they have good payouts but fall short in other areas. 

Therefore, narrowing your search to your favorite platform may lead to success. While at it focus on specific niches. For instance, if you like slots look for games that offer the best payouts. Once you open the game, check the info section. Most operators are nowadays providing payout figures in this section. Check as many games as possible, so that you can compare and select the best-paying categories.

6. Check on the list of top payout casino games

Comb through the internet and you will find lists of top payout casino games. While at it make sure you only select genuine lists.

7. Game developer’s selection

Just like platforms, you may have settled in certain game developers and you trust they can provide the best payout games. Check out their payout percentages by visiting their sites or searching through the internet. Chances are high that your search will yield positive results and you will get a game that promises a handsome payout.

If you are looking for top-paying online casino games, the task should not be hard now that you have some tips that you can rely on. Use the guide, and who knows, this may be the beginning of a great experience

ALSO READ: Round and Round We Play

The post 7 Ways to Find the Best Paying Online Casino Games appeared first on Australian Times News.

Here is a look at who could end 2022 as Australia’s Cricketer of the Year.

Marnus Labuschagne

In 2021, Marnus Labuschagne was named in the ICC Men’s Test Team of the Year. He is likely to be in that line-up again at the end of 2022, with some individual awards also likely to go his way too.

The 28-year-old, who has had a central contract with Cricket Australia since 2020, was the second-highest scorer in the last Ashes series with 335 runs. He averaged 41.87 in that series, with one century and two half-centuries going his way. His consistency across the five Tests was of the reasons the hosts were able to have success.

Labuschagne is now second in the ICC Test batting rankings behind Joe Root. With a strong end to 2022, he could leapfrog the former England captain in those standings. As you can read in the Reuters match report, one of his best innings this year came in Galle in a Test match against Sri Lanka. He scored 104 runs in what was the seventh Test century of his career.

Pat Cummins

Since taking on the captaincy in Test cricket, Pat Cummins has led by example in red-ball cricket. The 29-year-old was the leading wicket-taker in the Ashes with 21 wickets. He also had an economy of just 3.01 in that series.

Cummins was a key player for Australia in their tour of Pakistan earlier this year. He ended that three-match Test series with the joint-most wickets. The right-arm fast bowler was tied with Nathan Lyon with 12 wickets, which included a five-wicket haul in the first innings of the deciding Test.

The number one bowler in the ICC Test rankings is now also the ODI captain of Australia. The Baggy Greens have overcome scandals in recent years, and now there is a lot of pride in the values the team have under Cummins’ leadership.

As the Daily Mail reported, the all-rounder showed in the IPL in 2022 that he is also capable of scoring fast runs with the bat, as he matched the record for the fastest half-century in the competition’s history, getting to the landmark in just 16 balls. His run-scoring has also improved for his country this year.

Josh Hazlewood

Experienced bowler Josh Hazlewood is highly ranked in all three formats of the sport in international cricket. He has had a busy year for his country and in various franchise leagues around the world where his performances have been consistently good.

Hazlewood has had a lot of success against Sri Lanka in 2022, in the home T20 series and the tour of the country. He was the Man of the March in the second T20I at the SCG. The seamer was asked to bowl the Super Over in that contest and he limited the opposition to just five runs with six impressive deliveries.

The 31-year-old will be hoping to help his country to reach T20 World Cup success on home soil this year. As of the 3rd of November, Australia is 10/1 in the ICC T20 World Cup odds for the trophy. Hazlewood is part of a strong Australian bowling attack on pitches they are very familiar with.

Just like the Cricket World Cup in 2015, this year’s T20 competition will not only be a big boost for the Australian economy, but it will bring the whole country behind the team in their bid for success and some cricket betting for fun will increase the support and hype.

Aaron Finch

As per the BBC report, Aaron Finch retired from ODI cricket back in September following a series against New Zealand. The opening batsman is one of Australia’s greatest-ever white ball players and he has shown that in his final year in the 50 overs game.

Finch is going to continue playing T20 cricket for his country and the form he is in suggests that could be for a long while yet. The Kolkata Knights Riders and Melbourne Renegades player has a wealth of experience in this format of the game, and he continues to score runs at an impressive strike rate.

Australia’s leading T20I run-scorer will be hoping to lead his country to T20 World Cup success for the second straight year. If he can create the same heavy-scoring opening partnership with David Warner, as he often has throughout his international career, they will be in with a great chance of defending their trophy.

The Baggy Greens end 2022 with home Test matches against the West Indies and South Africa. The latter is third in the ICC Test rankings and is expected to be a strong challenger to the home side.

The post Who Has Been Australia’s Cricket Player of the Year In 2022? appeared first on Australian Times News.

The borrower or the borrower’s estate won’t be required to pay the difference to the lender since the program includes mortgage insurance. This protects the lender if the value of the house decreases or if the person lives longer than predicted.

How Does a Reverse Mortgage Work?

Most reverse mortgages are delayed if you remain a homeowner. The remaining loan balance is repaid when the last living borrower dies, sells the property, or relocates permanently away from the property. Failure to make the minimum monthly payments will increase your total debt. After the mortgage loan has been paid off, the home’s value cannot exceed the remaining balance on the loan.

You are accountable for making repairs, paying property taxes, and maintaining insurance coverage as the owner. If you are unable to make these payments on time, the lender may demand the whole loan amount or use the funds from the loan to cover the missing payments.

Who Owns the House in a Reverse Mortgage?

When you get a reverse mortgage on your home, you won’t ever have to worry about losing ownership of the property. You do not need to sell your house to the mortgage lender to qualify for a reverse mortgage. You will instead get a loan that works differently than a traditional or “forward” loan. 

Major Considerations

Although reverse mortgages may appear appealing, not everyone is eligible to get one. Take the following into consideration prior to receiving a reverse mortgage:

Understand Reverse Mortgages

A reverse mortgage results in the homeowner receiving cash from the loan. You keep the title to the house but take out a loan against the equity. The lender will often provide tax-free payments in the form of monthly installments or a lump sum. The loan will be discharged if you continue to make the home your primary residence. If you pass away, don’t pay your property taxes or insurance premiums, let the home fall into disrepair, sell it, or cease using it as your primary residence, the obligation becomes due and payable. The creditor cannot sue you or your estate, but they have the right to sell the property. Don’t let a lender rush you. Before you sign anything, get a good understanding of the features and the total cost of a reverse mortgage.

Inform the Heirs

The remaining amount of the mortgage must be paid in full when the last living borrower dies, sells the house, or moves away from the property, regardless of which of these events occurs first. Your heirs will be required to pay either the loan’s principal, interest, and fees or 95% of the home’s current fair market value to retain the property. Whichever amount is lower will be what they pay.

Figure Out the Expenses

Additional fees are often associated with reverse mortgages. It is normal for there to be fees related to the closure and continuing upkeep. Some lenders charge mortgage insurance. Because of the interest, the total amount that is owed will continue to increase every month. Compare the different interest rates and fees associated with the loans to get the best feasible offer. If you get a reverse mortgage from some different lenders, the costs you are charged will be lower.

Both Taxes and Insurance Payments Have to Be Paid

Be aware that to avoid defaulting on the loan, you are expected to make timely payments of property taxes, maintain adequate levels of homeowner’s insurance, and keep the house in excellent physical condition. When the payment for the obligation is due, the creditor could use their legal right to foreclose on the property if they have not been paid. 

Conclusion

Using a reverse mortgage, homeowners over the age of 62 who have equity in their homes have the chance to enhance their income during retirement, pay for home upgrades, or cover other obligations, such as medical expenses. You should investigate several different choices, including getting a home equity line of credit (HELOC) or refinancing your mortgage, depending on the amount of equity that you have in your property. Before getting into an agreement for a reverse mortgage, it is in your best interest to discuss your options with a qualified counselor first.

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Cars that are luxuriously rented, economical-focused rental cars, premium minivans, rental cars for sports and trucks for pickup services and cargo vans are just an example of the vast range of rental cars that are on the market. Every vehicle is distinct from the others in terms of its specifications and features.

Several rental firms have many efficient and affordable rental vehicles across the nation. The rates at which these rented vehicles are offered are divided into two categories: the Basic rate and the All-inclusive rate. The first one is the one where the credit card of the person is utilized to pay for insurance conditions. While under the inclusive rate, the rental company will provide insurance to the person renting the Lamborghini car rental Dubai. Before renting a car, there are a lot of rules and regulations to be followed to learn more about the vehicle and the prices for which it is offered.

In the case of rental cars with low rates, which are used inside the Airport, you will be charged an additional amount. This extra cost is contingent on the location, the rental company, and maybe a portion of the total rental. In some instances, airport officials could take parking costs from the air terminals. While you’ll get the cheapest rental cars but you’ll have to pay additional charges in the event of damage or loss caused to the rental cars. The extra cost will be covered by the Collision Damage Waiver, also known as Loss Damage Waiver. However, this does not include protection from damage to the roofs of windows, tires, windows or side mirrors.

Lamborghini Huracan Rental Dubai

When you pick these rent a car Dubai monthly at a low cost, you can obtain insurance through the rental companies in case of personal accidents. In the case of this individual accident insurance case, a certain amount will be paid in compensation to the driver of the vehicle and passengers in the car. This insurance is offered when an individual riding in the vehicle is afflicted with bodily injuries. Another aspect to consider when driving these low-cost rented automobiles is paying taxes and charges for reconstruction and road maintenance.

However, most of these taxes will be borne through the company renting itself. The rental vehicles are generally equipped with tanks that are full of fuel. Therefore, the cost of the cars rented does not include fuel expenses. Additional charges must be paid if returning the vehicle with less fuel consumption. Insurance policies are also offered in the event theft occurs with the rental car.

The rates at which these Lamborghini Huracan rental Dubai are offered are divided into two categories: the Basic rate and the All-inclusive rate. The first one is the one where the credit card of the person is utilized to pay for insurance conditions. While under the type of inclusive rate, the rental company will provide insurance to the person renting the car.

The majority of families today are at least equipped with an automobile. But is it sensible to buy a second car as the family grows? Most new parents make this error and need to realize that they’ll be spending more on car maintenance, taxes, and insurance instead of leasing one when they need it. In addition, they’ll need additional garage space to accommodate two cars.

The Lamborghini Huracan rental Dubai is an absolute necessity in certain circumstances. If you’re planning an overseas trip, you will have to lease a car in your destination country. Transporting your vehicle over is expensive and not practical. Some people travel for work and may have to move for a few months. The situation described above is certainly not the right decision to make. It could be a costly purchase that could be prevented.

The post Simple Method to Hire Luxury Lamborghini Huracan in Dubai appeared first on Australian Times News.

This is where a Southern Highlands Buyers Agent can help you, find and bag potential homes for you. They communicate with the sellers on your behalf, cutting down the hassle and stress for you. 

What is a Buyer’s Agent? 

The buyer’s agent is a real estate expert. They represent the interests of the buyer in the real estate investment and transaction process. However, they are different from listing agents as they are responsible for representing property’s sellers. 

A buyers agent will help you find homes, know the locations and areas as per your requirements and set up home tours for you as well. They will analyze the highs and lows for you, making the process easier. 

Reasons to Hire a Buyer’s Agent:

Here are some of the top reasons people hire buyers agent:

1. Time Saving:

Finding the right property can be extremely time-consuming and hectic. This is where a buyer’s agent can be a helpful part of your journey. They spend their time researching the best possible options for you. 

This saves you ample time and stress. All you have to do is provide them with an outline about the features you are looking for and the rest is for the agent to worry about. 

2. Access to Wide Range of Properties:

As agents have a huge network, they have access to a lot more properties than you do. This is why they have access to a wider range of properties. Some of them might not be advertised in the market either. 

This brings in a lot of favor for you as they can bag deals for you that might not be available to many others. Moreover, studies show that 35% of the properties that were sold this year were off market or pre-market. 

3. They Have Strong Negotiation Skills:

You might be great at negotiating prices for a dress but the same skills are not going to be helpful when bagging your favorite property. It is a completely different cup of tea, 

The process itself can be extremely intimidating. This is where an agent can help you largely. They have excellent negotiation skills and can bag amazing deals for you. Furthermore, they analyze the property’s conditions deeply and are capable of negotiating on various bases. 

4. Choose the Best:

Lastly, you are set to invest in the best property with an agent. They make sure that you are not investing in the wrong one. And at the end of the day, this is what really matters because properties are extremely expensive and you cannot afford to choose the wrong one. 

CONCLUSION:

Hiring a professional and reliable buyers agent is all you need to invest in a good property at a great price, without any hassle or stress. They can bag potential deals for you and as this is a lifetime investment, you definitely want to get the best one.

ALSO READ: Real estate prices are reaching record highs but that doesn’t mean it’s the only time to sell

The post How can a buyer’s Agent Help you Invest in the Right Property? appeared first on Australian Times News.

In this article, we look at the top South African Forex brokers that provide the Volatility 75 index along with good regulation, a wide selection of trading choices, and exceptional customer support.

1.     IG Group

As a reputable and well-respected broker, IG provides a large selection of trading tools and instruments, as well as industry-leading training materials and competitive pricing, making it one of the best Volatility 75 index brokers.

Pros and Cons

Features

2.     Saxo Bank

For traders who can afford the minimum deposit of USD 10,000, Saxo Bank is a great option. Saxo Bank offers over 40,000 different trading options, competitive pricing, amazing trading platforms, brilliant research, and strong customer support.

Pros and Cons

Features

3.     IFX Brokers

IFX Brokers is a South African ECN broker that has been operating since 2018. For as little as $100, South African traders may sign up for a live trading account with IFX Brokers and trade on a variety of international financial markets.

Pros and Cons

Features

4.     AvaTrade

AvaTrade, a global broker with headquarters in Dublin, Ireland, provides a variety of financial products, such as spread betting, CFDs, FX, and social trading.

A trial account is available for customers who want to try using the MT4 forex trading platform before deciding to create an account with AvaTrade, which needs a $250 payment. Both Android and iOS users can download mobile apps from AvaTrade.

AvaTrade offers a large selection of trading accounts, including demos, micro, mini, and standard.

Open a Free Trading Account Now

Pros and Cons

Features

5.     HotForex

HotForex provides six different account types, with the trading rules altering as the minimum deposit rises.

All accounts have variable spreads, however the Zero account has the tightest spreads on foreign currency pairs. A fee is applied based on the volume of trades that are made.

Pros and Cons

Features

Also read: What does the Future of Forex Trading look like?

The post 5 Best Volatility 75 index brokers appeared first on Australian Times News.

It would be false to claim that everyone knows about Bitcoin. It would even be worse to assume that everyone uses Bitcoin. Quite a small proportion of the world population currently uses Bitcoin. But considering Bitcoin’s rapid rise and growth, it would be interesting to determine how much money the world has put into Bitcoin.

Before we take on this daunting task, you may be interested in crypto trading, including Bitcoin trading.

Why Invest in Bitcoin?

Before determining how much money the world has invested in Bitcoin, it is essential to decide why it would invest money there. Ordinarily, people, companies, and even governments will spend money on vital things or areas. For example, you are likely to spend money to buy a company’s stock in anticipation of profits.

To begin with, Bitcoin is a decentralized digital currency. And this means that it is virtual money with no government or centralized control. In other words, Bitcoin is an unregulated digital currency. It depends on blockchain technology with multiple nodes spread worldwide who verify transactions and hence share power.

Entities invest in Bitcoin for the simple reason of making a profit. From buying Bitcoin at a lower price and selling at a higher price to Bitcoin mining, Bitcoin provides numerous investment opportunities. The value has grown significantly since the launch and is now used as digital gold to hedge against inflation and other risks.

How the World Invests in Bitcoin

The world is not a single entity. It represents the wholeness of people, businesses, governments, and everything else in the universe. So, when we talk about the world investing in Bitcoin, we talk about all these parts.

Concerning Bitcoin, individuals invest in Bitcoin by buying and trading in Bitcoin. Organizations also invest in Bitcoin, even governments too. But it is essential to consider a unique category of investors in Bitcoin. Miners are large companies that invest massive resources in building Bitcoin mining locations or industries. Some of these make mind-boggling investments. So, how much money does the world invest in Bitcoin?

World Investment in Bitcoin

The most straightforward answer to that question is that the world spends vast amounts of money on Bitcoin. For several reasons, knowing the exact amount of money the world invests in Bitcoin is practically impossible. First, there is no global record of spending on Bitcoin. Moreover, entities will invest in Bitcoin secretively without announcing. 

However, we can only use a rough estimate based on Bitcoin’s market capitalization. Even this is tricky because of Bitcoin’s price volatility. But by mid-August 2022, miners had produced 19.2 million Bitcoin coins. At the same time, the price was around $19 800. And this would make Bitcoin’s market capitalization around $38.16 billion.

Conclusion

The world invests so much money in Bitcoin. But since there is no specific record and other complexities, it is impossible to determine the amount of cash the world invests in Bitcoin. 

ALSO READ: Bitcoin’s Increasing Role in Developing Countries

The post How Much Money Has the World Invested in Bitcoin? appeared first on Australian Times News.

El Salvador made Bitcoin a legal tender, after which the Central African Republic (CAR) followed. All these are developing countries, and they are leading the way in terms of accepting and embracing Bitcoin. It’s surprising that while developed countries were the first to use Bitcoin, they are still lagging in taking it as legal tender. Developing countries are reaping the benefits of Bitcoin in various ways. 

Poverty Eradication

A major problem affecting most developing countries is poverty. Many people are poor and hence cannot fend for themselves. They end up depending on others or the government for survival. Bitcoin is helping in addressing the poverty problem in several ways.

To begin with, Bitcoin is increasing financial inclusion. More people accessing financial services can actively participate in economic activities like small businesses. And this provides them with some income to cater to their needs. 

Additionally, through investing in Bitcoin, people in developing countries can reap big and even become millionaires. One way of investing is through Bitcoin trading.

Economic Growth

Bitcoin is also contributing to economic growth in developing countries. As it opens up the financial sector to the participation of more people, the economy benefits when more people open small businesses and start other economic activities. Moreover, Bitcoin is boosting remittances from abroad. That’s because Bitcoin has removed the barriers that exist in traditional international money transfer systems, including high cost and time.

Financial Inclusion

Increased financial inclusion tops the list of the impacts of Bitcoin in developing countries. For various reasons, many people and businesses in developing countries cannot access financial services, like opening bank accounts or accessing credit. Many people in developing countries can’t access financial services with high unemployment and illiteracy rates.

Bitcoin is addressing this problem because it has no requirements. Anyone can open a Bitcoin wallet and access financial services like loans and savings. With this, the many people the conventional financial system left out are now finding relief in Bitcoin. All one needs is internet access. Bitcoin is also available almost everywhere, including in remote areas.

Establishing Social Trust

Issues of corruption and low levels of social trust characterize many developing countries. Many government and public officials engage in corruption leading to funds and resources meant for development ending up in a few people’s pockets, leaving the people poorer. Bribery is common to access even the most basic services.

With Bitcoin’s blockchain technology, developing nations can eliminate such issues. When government uses Bitcoin to send funds to a particular office for a specific course, it is easy to track it on the blockchain. Therefore, Bitcoin is helping eliminate some of the historical problems like corruption and bribery and boosting social trust in developing countries.

Final Thought

As developing countries embrace Bitcoin more, they are beginning to realize its benefits and effects. Bitcoin is affecting not only individuals through, for example, financial inclusion and poverty eradication but also entire communities and countries through building social trust and economic development. It will be interesting to see the impacts in the next five years.

ALSO READ: Is Bitcoin Regulation Necessary?

The post Bitcoin’s Increasing Role in Developing Countries appeared first on Australian Times News.

Bitcoin came to replace the centralized financial system. It provides a decentralized digital currency and investment asset where neither government, regulatory institutions, nor other commercial intermediaries have control. And this has been a critical selling point for Bitcoin. But it has also instilled fear among some investors, especially institutional investors who prefer regulation to reduce risk.

Bitcoin operates on the same underlying blockchain technology as other cryptocurrencies. And this provides the security of users. It’s virtually impossible to hack the blockchain. Even the concerns that the blockchain could be compromised are pretty baseless. Since Bitcoin’s development, there has never been an incident of blockchain being hacked or compromised.

On that basis, then, one wonders why the need for regulation. Without negating the concerns of those who oppose the law, Bitcoin regulation is not necessary, but it is crucial for several reasons.

Boost Investor Confidence

Bitcoin regulation is essential because it will boost investor confidence. Many institutional investors have opted to stay away from Bitcoin because of the lack of regulation. These high-stake investors see the lack of law as a high-risk investment. With Bitcoin regulation, these investors will feel confident in Bitcoin and invest massively.

Create Stability

The Bitcoin market is unstable. Prices keep changing unpredictably, which has pushed many potential investors away. Regulation will ultimately bring some stability by minimizing speculation in the market. Moreover, with law, more institutional investors will come in, and this will also contribute to price stability.

Reduce Crypto Crime

While most Bitcoin users are honest investors, there are always those who come with ill motives. Criminals often use Bitcoin’s anonymity and privacy to cover up their tracks. You have probably heard about stories of cyber criminals hacking into government or institutional systems and demanding payment via Bitcoin. With proper regulation, this can be curbed and make the Bitcoin market safer for everyone.

Protect Investors

You may be so confident about Bitcoin’sblockchain technology. But you may fall victim to criminals who may get access to your digital wallet and milk it dry. Likewise, you may use Bitcoin to pay for an item you purchased online, but the seller won’t deliver. While you can go to the police, there is only much they can do because of the lack of specific Bitcoin regulations dealing with such matters. Bitcoin regulation will help you in such times because you will have a particular place to go to for help. 

Regulation is Not Interference

Lastly, Bitcoin users need to differentiate regulation from government interference. Bitcoin regulation could streamline the market, protect investors, and reduce criminal activity. These should not worry you unless you intend to use Bitcoin to hide some illicit activity. It does not mean that government or regulators can determine how you use Bitcoin.

Conclusion

Bitcoin regulation is not necessary, but it is vital for the above reasons. There is some unfounded fear of rules based on baseless claims and assumptions. Perhaps a mindset change is needed to ensure that Bitcoin investors understand that regulation is not the same as interference. 

ALSO READ: Can You Depend on Bitcoin During a Global Crisis?

The post Is Bitcoin Regulation Necessary? appeared first on Australian Times News.

In theory, Bitcoin, a decentralized currency on the blockchain with a mathematically limited supply of 21 million, solves both problems. In practice, however, it is not so simple. When Russia invaded Ukraine on a Wednesday night, the price of Bitcoin did not rise as expected. Instead, it plummeted by more than 4% in just 30 minutes.

True, Bitcoin recovered those losses later on Thursday, but only after other risk assets had recovered. The Nasdaq, for example, began the day down 3.5% but ended up 3.3% higher, a nearly 1 000-point swing.

While risk assets such as Bitcoin and tech stocks initially underperformed, gold rallied, with spot prices rising 3% as war broke out. Though Bitcoin bulls like to refer to the world’s largest cryptocurrency as “digital gold,” recent price action on Bitcoin contradicts that notion, demonstrating that it isn’t the haven asset.

At that time, the Russian ruble fell by up to 10% against the dollar, demonstrating that even fiat currencies can quickly depreciate. Still, if that movement was supposed to drive Bitcoin purchases, the opposite occurred.

A Specific Test Case

During times of strife, any currency undergoes an ultimate test. War and destruction frequently result in devaluations or hyperinflation. Consider Germany following World War I, when the German mark was so worthless that one dollar equaled one trillion marks.

The expansion of the fiat money supply during the pandemic may have contributed to the price surge in cryptocurrencies over the last year. MicroStrategy CEO Michael Saylor stated that his company now holds billions of dollars in Bitcoins instead of cash on its balance sheet. That’s because the expanding money supply early in the pandemic meant that the cash it held was a “rapidly melting ice cube.” Saylor looked for a cash substitute and decided that Bitcoin was the best option.

It’s very early to tell how or if the Russian invasion will affect Bitcoin adoption, but previous economic crises have encouraged people to embrace it. With sanctions against Russia increasing and its stock market collapsing, a financial crisis appears to be on the horizon. A protracted conflict could also send the Ukrainian economy into a tailspin.

What the Bitcoin Crisis Teaches Us

As war broke out, cryptocurrency prices plummeted, and it proved to be more stable than altcoins or even rival Ethereum, as bulls predicted. However, while brief, the crash demonstrates that Bitcoin remains a speculative asset that behaves more like meme coin Shiba Inu than as a gold substitute. The reality is that it’s value cannot compare to any other stores of value, including gold, despite its volatility. It is important to trust what you can gain through trading Bitcoin using trading robots to deal with financial crises when they hit.

The geopolitical upheaval caused Bitcoin holders to flee for safer assets rather than double down on a currency supposed to solve fiat currency problems. And this demonstrates that it is primarily a form of speculation rather than money or haven. If that were not the case, investors would not be afraid to hold it during uncertain times, and Bitcoin would not be so volatile in the first place.

Nonetheless, the crisis is worth monitoring because it represents the latest test case for Bitcoin. While the market’s initial reaction casts doubt on Bitcoin’s bull case, increased cryptocurrency adoption in the face of inflation or economic turmoil would support its long-term growth.

ALSO READ: Can Bitcoin Overtake Fiat Currencies?

The post Can You Depend on Bitcoin During a Global Crisis? appeared first on Australian Times News.

What is Bitcoin?

Bitcoin is undoubtedly the most successful cryptocurrency to date. An entity called Satoshi Nakamoto developed and launched Bitcoin in 2009. So, Bitcoin has only existed for about 13 years. Keep that in mind as this article will refer back to it. 

To avoid all technical details, Bitcoin is simply a digital currency. It is money but in virtual form. You cannot touch or see Bitcoin. But you can use it to pay for your shopping or services in places that accept Bitcoin payments. You can also buy and sell Bitcoin since it is also an asset.

Can Bitcoin Overtake Fiat Currencies?

This article starts by taking the position of Bitcoin critics who believe that Bitcoin will overtake fiat currencies. For most of those who hold this position, the dramatic growth of Bitcoin as a digital currency globally is the main indication. Yes, for an innovation that is only 13 years old, Bitcoin’s dramatic increase should cause jitters. 

Another factor that supports this position is the advantages of Bitcoin over fiat currencies. They are many, but this article will highlight the most important. Unlike fiat currencies that the government highly regulates through central banks and other commercial banks, Bitcoin is unregulated. Bitcoin uses decentralized blockchain technology, meaning no government or single entity manages or controls it.

As an unregulated alternative to fiat currencies, Bitcoin provides a free and open platform for many users who may be uncomfortable with the government control of fiat currencies. Moreover, anyone can use Bitcoin, even those that cannot access conventional financial services. Finally, blockchain technology is impossible to interfere with or hack.

With all these advantages of Bitcoin, it is understandable that some people are concerned that it could overtake fiat currencies. With millions of users now preferring Bitcoin over fiat currencies, the fears are not baseless. 

Now to my second position that Bitcoin cannot overtake fiat currencies. Here, I will consider several factors.

Central Bank Digital Currencies (CBDCs)

Governments like China have already introduced the digital versions of their national currency, the digital Yuan. Debate is still going on in the U.S. about introducing the digital dollar. These are alternatives to cryptocurrencies because they are primarily national currencies under the control of the government.

The CBDCs will provide the same benefits that Bitcoin provides. For example, with platforms like Immediate Edge official site, people can still trade in the bitcoins despite the ban on cryptocurrencies. 

Bitcoin’s Limited Supply

Bitcoin’s supply limit restricts it to 21 million coins. And this means that no more new coins will be available when miners reach the 21 million coins target. If this is the maximum supply of Bitcoin, then it is substantially lower than the demand. The demand for Bitcoin is much higher and will continue growing.

Although there are many other cryptocurrencies, their supply is also limited. And this is not the case with fiat currencies. The amount of fiat currencies in circulation is already much higher than that of all cryptocurrencies. Since the limited supply of Bitcoin cannot meet the growing demand, fiat currencies will meet the unmet demand, which will be higher.

Parting Shot

Bitcoin and other cryptocurrencies have grown dramatically in the recent past. While they serve the same purpose as national currencies as digital money, they are unlikely to overtake national currencies.

ALSO READ: How did Bitcoin become a real currency?

The post Can Bitcoin Overtake Fiat Currencies? appeared first on Australian Times News.

The one challenge: getting your business noticed among Instagram users. It can be difficult for your posts to reach your intended audience with so many people. As such, some people give up. However, that can be a mistake. When appropriately used, Instagram is a powerful marketing tool.

So, how does one grow their account? You can either buy Instagram followers, which is an effective way to develop your profile in the long term, or learn how to optimize your account and program it for organic expansion.

What Do We Mean By Optimize?

Optimization means that you make adjustments to your account to make it more visible to your target audience. In addition, you post and use your account to get the most out of Instagram’s algorithm. With any post, you want it to be as high in the algorithm as possible so that more eyes can be on it.

The more people that see it, the more traction your account will get. This will help with growing your follower base. This also helps those using Instagram for their business, as it leads to more sales.

Now, let’s discuss some ways that you can optimize your account.

Reels Are King

Instagram Reels, presented in 2021, was Instagram’s answer to TikTok. With vertical videos up to 90 seconds, Reels enable you to make short, snappy videos that the algorithm favors. Unfortunately, some users are more old-fashioned with Instagram, instead reserving it for photo content. However, if you want a leg up in the algorithm, you must use Reels as much as possible.

Use an Instagram Business Account

If your account is a standard one, you may not be optimizing it enough. Instagram has its own business profile, enabling you to see various stats to help grow your business. One example is that a business account shows analytics, which you can use to perform. In addition, you can insert information into your bios, such as your hours and location.

Instagram business accounts also have a contact button, making your customer service much more straightforward.

To apply, all you need to do is go to your settings and select “Switch to a professional account,” which can help you get the ball rolling.

#Hashtags

One bit of common knowledge you probably know is to use hashtags. Hashtags are still a way for your posts to be noticed, but many people do not know how to use them.

Your goal is to use around 5-10 hashtags relevant to your business, but do some research on them. The best hashtags are niche but not too niche. Let’s explain.

Some people will use essential hashtags, with millions of others posting them. Should you use these, your post may be lost in the ether. On the other hand, if the hashtag you use has no traction, it’s pointless.

You want to find hashtags with a following but a smaller one. Research hashtags related to your business, and find the ones that work the best.

Another method you can use is to see what hashtags your competitors use. Then, look at other businesses with similar offerings to your own, and see if you can integrate your hashtags.

Finally, we have another tip. If you’re a local business, be sure to use hashtags that are based on your location. This way, customers in your area can find your business much easier.

Hashtags require research, and they do require some trial and error. So never stop experimenting to figure out which hashtags work and which do not.

Have Keywords in Your Handle and Bio

What does your business offer, and can you condense it into one or two words? Then, you should put those words in your bio and handle them if so.

Say you’re a coffee shop, and your restaurant is called Mary’s. Your handle should be @MarysCoffee or something similar. In addition, you should have several keywords in your bio that can let others find you through Google and other search engine sites.

Once again, you must do some research on keywords, just like you would with hashtags. Find which keywords work and which don’t, and don’t be afraid to adjust them as time goes on.

Have a Good Profile Photo

A picture is worth a thousand words on Instagram. A captivating profile picture can interest some users in learning more about your profile and its offers.

Your profile picture can be your logo, product, or another eye-catching photo. Imagine that you’re an Instagram user and scrolling through many users. What profile picture would get you to check out a profile? In addition, your profile photo should be of a good resolution and give users an idea of what your business is about just by the logo alone.

Link In Bio? Be Sure It Tracks!

A profile tracking link lets you see who is visiting your website through which platforms. For example, Instagram allows you to put a link in your profile, and most will just put the link to their website. However, a custom URL website such as Bit.ly can give you an idea of how many people visit your website through that link.

When you use a tracking link, you can figure out how well your account performs and make adjustments.

Post at the Best Times

To make your posts perform the best they can, one technique you can do is to figure out when your audience is most active and then post at that time.

In general, earlier in the morning or after most people are off work are good times. However, the best times can depend on your time zone and your target audience. Sometimes, your audience can be night owls; other times, you’ll target the early birds.

Figure out the best times to post. If the best time is inconvenient for you, what you can do is schedule posts. With that said, experiment with different times and see which posts get the most interactions for you.

Engage, Engage, Engage

One of the best steps as a brand is to keep your account engaged with your audience. You should like the comment when someone comments or respond as much as possible. Don’t be afraid to go on Instagram posts like yours and comment or like them, as this can increase brand awareness.

With this step, we recommend hiring a social media manager whenever possible. But, sometimes, it can be a time waster for you to engage with everything on Instagram, which is why there’s no shame in passing the duties on to someone else.

This sentiment applies further when it comes to customer service. The ideal response time is less than twenty four hours, as customers don’t want to wait. In addition, having an extra person helping you with your account can boost your profile by giving it a positive reputation.

Remember, It’s Not Always a Numbers Game

Ideally, more followers mean that more eyes are on your business. However, as the old saying goes, quality trumps quantity. Many businesses use a wide net, attracting people with clickbait, but the people following their profiles are not interested in their product.

With earning followers, you want to attract people willing to engage with your content and support your business. If you see a competitor with more followers than you, this doesn’t always mean that they’re ahead. A high follower account with minimal interaction can also set a user down in the algorithm.

Don’t Be Afraid to Boost a Post

Instagram has the ability for you to boost a post, showing it to more audiences through an advertisement. While you don’t need to boost every single post, boosting a post that tells what your business is about can help attract more eyes to your page.

Look for a post that is interesting for users but doesn’t sound too sales-y. Start with a small advertising campaign, and if it appears to be working, up the ante on it.

Most businesses can’t buy their way to success on Instagram, but strategic advertising can be the key to attracting more eyes to your product.

Remember, Instagram is Always Evolving

Instagram has been around since 2010, which is impressive considering how some sites crash and burn. One reason is that they’re constantly changing and catching up to their competitors.

They might not be around if they were only a photo-sharing site.

Because of this, you never want to get too comfortable with how you approach your marketing strategy. Reels are a hot commodity on Instagram, but that can change. There may be something else in the future that can be an algorithm gold mine. Always keep up-to-date with the newest additions on Instagram, and be sure you’re always riding the wave.

Post Powerful, Engaging Content

Above all else, you must create content that can engage an audience. What makes for good content ultimately depends on your business, but one approach is to dip your toe in several types of content to give users variety. Let’s look at some content to consider.

Infographics

An infographic uses a colorful illustration to present facts. With your business, you can use infographics to give fascinating facts about your business or the genre in which your business serves. Look at several infographics on Instagram for some inspiration.

Behind-The-Scenes

People love seeing what’s behind the curtain, which is why showing the inner workings of your business through photos and video is such a great idea. Give users a sense that they are a part of your business by keeping it an open book.

Live Video

Livestreaming on Instagram can give your viewers a more personal connection to you and give you the ability to answer questions in real time. In addition, it’s possible to combine live video with other types of content, such as giveaways.

Aesthetically Pleasing Photos

Instagram started as an app where users posted pretty pictures with a filter. Even today, that’s still a popular way to showcase content. Don’t be afraid to be a little artsy with your business and its products. If you have shaky hands, you may consider hiring a professional photographer to make your photos pop.

Multi-Grid

Multi-grid images involve using smaller photos to create something larger when viewed on your Instagram profile. However, taking a giant image and cutting it into several smaller ones is still a gimmick many businesses are thriving from, and your business can do so.

Have a Content Calendar

One of the best ways to keep track of what content you wish to post is to have a calendar that plans everything at least a month in advance.

Content calendars are an excellent tool for building a brand narrative, and they can hold you accountable for what you post. With any calendar, you can adjust as time goes on; nothing is set in stone, but the calendar should require careful planning during all its stages.

Is an Instagram Account Even Good for Your Demographic?

Instagram is a service primarily used by younger adults, with over 50% of its users between 18-24 and 25-34, respectively. However, while 34-44-year-old adults account for a respectable amount, the number decreases the older you get. In addition, only 7.2% of users are between 13-17.

If you’re trying to attract a teen audience, you may want to try TikTok. If you want to attract a middle-aged to an elderly audience, Facebook may be the answer for you. Finally, if you’re not reaching your audience after all this, you may want to try other social media platforms.

Final Thoughts

Instagram is a powerful business tool, but you must know how it works as a business owner. In some cases, you may want to consult with a social media professional to give your account an overhaul. With that said, a few simple changes can sometimes be all it takes for you to reach a new audience. Good luck!

ALSO READ: Academic paper writing services

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Your broker is your link to the financial markets and the primary tool that allows you to navigate the trading world. Furthermore, online brokers have lowered the entry bar for most traders by making trading convenient and easier to navigate than traditional brokers. But as the number of online brokers increases in the Australian online space, how do you choose the best one? Here is a link to some of the best online brokers in the country, and keep reading to learn more.

1. eToro

eToro is one of the early online brokers that popularised online trading. It first went live in 2007, and today it’s in two tier-1 jurisdictions, meaning it’s a safe and well-regulated platform. The platform supports social copy trading for forex and CFDs, a helpful feature for beginner and intermediate traders. Furthermore, the platform allows cryptocurrency trading if you’re looking for more investment opportunities. 

eToro also has mobile app support for Android and IOS, with a user-friendly user interface. In addition, the platform offers insurance coverage for up to £1 million in regions such as the UK, EU, and Australia. 

2. Pluss500

Pluss500 is a CFD broker that began operations in 2008. The broker enjoys certification from governmental bodies such as the Financial Conduct Authority in the UK and the Australian Securities and Investment Commission (ASIC) and a listing on the London Stock Exchange. Furthermore, Pluss500 was among the first platforms to offer cryptocurrency trading and to introduce Bitcoin CFDs. 

The platform has an easy-to-navigate user interface that allows you to set up stop-loss orders and create watch lists for your trading. However, Pluss500 customer support service is limited, but you will barely run into any issues on this excellent platform. 

3. Interactive Broker

Interactive Broker is a low-cost trading platform that offers access to financial instruments such as stocks, currencies, futures, and options. It currently has a 60% margin rate, lower than the industry standards, but the brokerage is steadily improving its standing. The platform is sophisticated enough to cater to any professional trader’s needs but simple enough for anyone to use. 

Interactive Broker also offers a host of free trading tools to assist you in your trading, as well as comprehensive reporting to ensure you’re up to date for the best decision-making.

4. CMC Markets

CMC Market is an online brokerage offering access to shares trading, spread betting, CFDs, and forex in various global markets. It was founded in 1989 and has been one of the most reliable platforms in the industry. Moreover, it provides free brokerage for up to $1,000 for Aussie shares, a welcome benefit in Australia. The award-winning platform has won Canstar’s broker of the year twice. We also tend to agree because it has one of the best user experiences in the industry. 

Furthermore, it’s compatible with Android and IOS devices and grants access to 15 international markets. 

5. City Index

City Index is a trading platform regulated in three tier-one jurisdictions, making it one of Australia’s safest forex and CFDs brokers. The platform has one of the best UI designs that manage to integrate useful trading and research tools in an easy-to-use and intuitive way. Like other brokers in Australia, City Index offers spread betting, CFDs, forex options, and crypto trading. 

The platform is excellent for beginner traders looking to hone their skills. Their fee structures are in line with industry standards, and you will find it easy and not too taxing to trade on the platform as a newbie. 

Trading in Australia

The online trading industry is fast developing in Australia. There seem to be new brokers that crop out every day, and finding one with excellent tools you can trust is getting more challenging. Furthermore, brokers are an essential part of your trading and finding the right one can make all the difference in your success. However, we hope our list makes your search easier and you find the right broker to help you reach your investment goals. 

ALSO READ: Travel Smart: How to Find the Ideal Accommodation

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5 Best THC Edibles That Are A Must Try

1.     Fudge Brownie

Have you ever tried a THC fudge brownie? These decadent treats are made with cannabis-infused butter or oil, giving them a potent punch. The effects can vary depending on the dosage, but most of the high is experienced after an hour of ingestion.

It’s important to remember that edibles can be much more potent than smoking or vaporizing cannabis, so it’s best to start with a small amount and increase as needed. If you indulge in a fudge brownie, make sure to label them clearly and store them out of the reach of children and pets. Enjoy responsibly.

2.     Ice Cream

THC Ice Cream is a great summer treat. We know you may think this is a strange concept, but if you have access to some good THC, it’s simple to make and tastes delicious. All you need is ice cream and some marijuana butter! The best part is that THC Ice Cream can be made with just one ingredient: marijuana.

If you’re feeling lazy or don’t have access to any marijuana oil or butter that are both easy enough to get, then THC Ice Cream could be made with regular butter and regular weed. No matter what kind of weed or butter you use, it will still provide the same potency when it comes down to eating the product itself.

3.     Cake Pops

If you are looking for an excellent way to get your dose of THC, then Cake Pops are a perfect choice. They’re easy to make and can be made with any cake flavor. These treats are also great for adults and help you relax after a long day at work or school. They’re also delicious, so they’re sure to be something everyone in your household will enjoy.

4.     Fruit Chews

THC Fruit Chews are a tasty, convenient, and discreet way to enjoy your cannabis. They’re made from a mixture of fruit, sugar, and cannabis oil, giving them a soft texture and sweet taste. You can pop one in your mouth as you walk down the street or keep them in your purse for when you need to unwind after work—no need to worry about smelling like weed.

Once you’ve had one THC Fruit Chew, you’ll want another. Just don’t eat too many at once: they’re pretty potent, so it’s best not to overdo it.

5.     Gummies

THC gummies are an excellent option for any cannabis consumer. They are easy to make at home and come in various flavors. This is it if you’re looking for the best THC edible.

THC Gummies are made from gelatin, sugar, water, and cannabis extract. Like brownies or cookies, they can be made with butter or oil as well as eggs, diluting the effects of your edible and adding flavor.

Why Are People Choosing THC Edibles Over Other Forms?

More and more people are turning to THC edibles to consume cannabis. One significant advantage is the ability to control dosage. While it may take longer to feel the effects of THC edibles, they also last longer and provide a more consistent experience.

In addition, consuming cannabis through edibles allows users to avoid potential lung irritation and the odor of smoke. Edibles also offer a more comprehensive range of options, with many different flavors and forms available, including gummies, chocolates, baked goods, and drinks. For those looking for a discreet way to consume cannabis or who prefer not to smoke, THC edibles offer a convenient and enjoyable alternative.

Appropriate Dosage Of THC Edibles

It is essential to know your tolerance before taking a higher dose. The recommended dosage for THC edibles is 10mg daily, but it might not be enough for some users. Some people may need up to 25 mg or more of THC to get the desired effects. If you are new to THC edibles and do not know your tolerance, start with low doses and take time before raising it further.

Legal Status Of THC Edibles

The legality of THC edibles varies widely across regions and jurisdictions. Some places, such as Canada and some states in the US, are legal for sale and consumption for adults over a certain age. However, other regions have chosen to ban them entirely or only allow their sale in specialized medical dispensaries. However, these edibles are legal in states where medical marijuana legalization policies are evolving.

The production and distribution of THC edibles are also subject to strict regulatory guidelines in many areas, with rules covering factors such as packaging design and labeling requirements. With the ongoing movement toward legalization and regulation of cannabis products, the legal status of THC edibles is likely to continue evolving in the coming years.

Things To Keep In Mind While Consuming THC Edibles

Make sure you are consuming in a safe environment. This means not driving, and if you have children or pets, ensure they are not around.

Make sure that you are consuming with people who also ate THC edibles. If one of you is high and the other is not, it could be annoying for both parties. Also, ensure that everyone knows how much they ate so they aren’t overdoing it and possibly getting sick.

Eat food before consuming THC edibles. Just like alcohol, your body absorbs cannabis more slowly when there’s food in your stomach—and if you’re too hungry to wait until after dinner before eating some weed gummies, it might be best to wait until morning when there’s no chance of getting the munchies.

Summing It Up

In the end, we can say that there are so many options out there for THC edibles these days. You don’t have to settle for anything less than what you deserve or want regarding your health and well-being.

The post 5 best THC edibles to try this 2022 appeared first on Australian Times News.

Special equipment for loading is multifunctional, so it is indispensable for moving any cargo. It’s easy to make a convenient and reliable choice of machine online at https://machineryline.uk/-/wheel-loaders–c180. 

What tasks can be solved with a wheel loader

A powerful wheel loader on a tractor allows you to perform various types of work in different areas of activity. The mechanisms are used by freight companies, construction contractors, companies that are engaged in landscaping, construction of bridges, construction of various infrastructure facilities, road works, etc. 

Types of wheel loaders

Machines of this type differ in size, technical characteristics and functionality. There are also differences in terms of design. There are mono-element models and equipment with additional components on the market. In such units, the wheel loader on the minitractor is replaced by: 

• augers;
• forks; 
• pushers;
• lifting arms;
• coupling mechanisms. 

This capability provides multifunctionality, significant savings and improved process efficiency. 

5 tips to make a good choice

You should choose a wheel loader according to your budget. However, the main criterion is the type of planned works, the field of activity of the equipment owner. To avoid miscalculation with the choice, looking for a machine, take into account 5 important tips:

1. Determine the main tasks (their number, intensity, complexity and volume).
2. Based on the first, consider the required size equipment.
3. Choose a complete set that covers all the tasks. 
4. In order to avoid difficulties and hiccups during the work, provide an opportunity for appropriate service for a particular unit.
5. Think about comfort (maneuverability, handling, multitasking).

Making a selection based on these 5 points will ensure reliable, uninterrupted and most productive work in a particular niche.

Nuances that are also worth taking into account

It is not difficult to wheel loader buy, if you choose a reliable platform for the purchase of special equipment. It is worth reading reviews of the models you like, paying special attention to information about popular brands-manufacturers. Reliability of the transmission, stability and high quality of the hydraulics, engine power, ease of maintenance are the main technical criteria for purchase. Machines for loading works should be searched for and selected at sites which present detailed descriptions, real photos and guarantee assistance at all stages. 

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Some of the most popular games throughout the world make use of spinning wheels. Fast-paced and colourful, it’s easy to understand how people become interested in them. Plus, not knowing where the ball will land makes games unpredictably interesting.

Round the Roulette Wheel

When you play in a casino, whether online or land-based, one of the things you’re guaranteed to see is a roulette wheel. A game developed hundreds of years ago still has the same fascination when it comes to watching the roulette wheel spin. This fascination has stayed with the game as it’s progressed from being solely in a land-based setting to an online one, as well.

Aside from enjoying watching the roulette wheel spin, another exciting aspect is not knowing where the ball will land after it’s dropped. This has proven so popular that wheels feature in other aspects of online casinos, such as slots and welcome bonuses. With these bonuses, new players can get daily free spins on Wonder Wheel. Each spin gives them a range of things to win, like free scratch cards, bonuses, and even cash.

Wheels and Reels

Slots have spinning wheels on quite a few games, including Mystic Wheel. This is an arcade-type slot game based in medieval times. Players are immersed in the fantasy with audiovisual graphics. If they get 3 or more Mystic Wheel symbols, players get to unlock the Mystic Wheel, which they can play on.

Big Wheel Slingo is based on the popular game show, Wheel of Fortune. Just like the game show, there’s The Big Wheel that players spin to win prizes. As with all Slingo games, the more Slingos that are unlocked, the more prizes players can potentially win. The bright colours and not knowing what symbols the wheel will stop on adds an extra enthralling element to the game.

Spin A Win is another live game with a wheel, which has 6 bright colours and numbers on it. Players decide what section they want to bet on before the dealer spins the wheel. With a real-life wheel of fortune and a dealer, the game is as close to playing in a land-based casino as it can be.

Spinning wheels are undoubtedly an integral part of the casino industry, both land-based and online. Game developers have made a variation of games with them included, with many in different genres, such as the ones we’ve mentioned in this article.

Not knowing where the ball will land makes these games of chance popular. Add plenty of colour, great music and images, and they appeal to many different markets. It’s this variety that keeps the spinning wheel a popular gaming component, and it looks like this isn’t going to change.

ALSO READ: Online Gambling in New Zealand

The post Round and Round We Play appeared first on Australian Times News.

Nonetheless, the country’s regulations regarding online gambling is tad daunting to grasp.

What games are legal? Is the TAB NZ the only platform I can engage to facilitate sports bets? Or should I try Australian Open Betting?

The questions are endless for the newbie Kiwi punter.

If you’re amongst this set, worry no more as this article seeks to provide vital information on online gambling in NZ.

For context, we’ll take you through the Gambling Act of 2003 and its essential components.

Itching to know more? Let’s get started!

Is Online Gambling Legal in NZ?

In NZ, domestic online gambling is restricted. Here, the only legal gambling mediums are the Lotto NZ and the Totalisator Agency Board (TAB).

Unauthorized betting in this jurisdiction warrants fines of up to $50,000 (operators) and $10,000 (individuals).

Conversely, there’s no regulation against Kiwis betting on online gambling sites hosted outside NZ. While this might seem great, the New Zealand government won’t come to your aid if you’ve been scammed by an online casino not hosted within the region.

Instead, your faith lies in the host country’s jurisdiction.

The Gambling Act of 2003

The Gambling Act of 2003 regulates all wagering acts in NZ.

Established in September 2003, the Act determines the legal gambling age and what’s permissible by law.

Undergoing updates since its inception, here are some of the Act’s primary purposes:

• Regulate gambling growth
• Minimise and restrict harms showcased by gambling activities, problem gambling inclusive
• Propagate “Responsible Gambling” amongst operators and individuals
• Oversee games’ legitimacy and fairness
• Limit fraudulent actions in the gambling sphere
• Seek communal input while curating crucial gambling regulations

NOTE: While the Gambling Act of 2003 became law in September 2003, most of its provisions were enabled in 2004.

Legal Gambling Age in NZ

The legal age to gamble in a land-based New Zealand casino is 20.

Nonetheless, you must be 18 to:

• Facilitate a sports betting wager
• Purchase lottery tickets
• Gamble on automated gaming machines

However, since Kiwis can wager on offshore sites, the legal age might change.

For instance, some jurisdictions have “21” as the legal gambling age. Thus, foreign gamblers must meet this caveat to wager seamlessly on their sites.

In NZ, underage gambling is a crime and defaulters will face fines reaching NZ$500 (individuals) and NZ$5,000 (gambling operators).

Gambling Taxation in NZ

In New Zealand, gambling is deemed recreational.

Thus, no matter how little or big your winning margin is at your choice physical or online casino, NZ regulatory authorities won’t charge you a dime in taxes.

However, pro gamblers will pay tax on their winnings if they report their income amount.

If they fail to declare their wins, the NZ inland revenue has no system for tracking their profits.

Although some individuals might take advantage of this loophole, always report your income as a professional bettor since you may lose if you’re caught hiding yours and taken to court.

Notable Gambling Regulatory Bodies in NZ

Notable regulatory bodies in NZ include:

Department of Internal Affairs (DIA)

At the helm of regulating gambling in NZ is the DIA. As part of its duties, the DIA enforces gambling licenses and compliance. It also executes measures essential to implementing the Gambling Act of 2003.

Seeing as Gambling Act provisions could overlap, the DIA makes a decision that creates a balance between reducing gambling dangers and maximizing community benefit from gambling winnings.

New Zealand Gambling Commission

The gambling commission is an independent body that is charged with:

• Listen to complaints and appeal decisions meted out by the Department of Internal Affairs in correlation with “class 4 gambling.”
• Examines and determines the status of casino license applications.
• Approves licences and effects changes to existing terms.

TAB NZ

Established under the Racing Industrial Act 2020, the TAB NZ has the following objectives:

• Promote betting activities.
• Ensure that problem gambling harms and underage gambling are almost non-existent to: (i) increase profit margins that’ll benefit New Zealand racing and; (ii) boost returns to New Zealand sports to fulfill contracts embedded in the Gambling Act.

Ministry of Health

The Ministry of Health is responsible for providing vital gambling information to the NZ populace.

This body also data on research activities that grants perspective on the funding and coordination of problem gambling services in New Zealand.

Other regulatory bodies include:

• New Zealand Lottery Commission
• New Zealand Racing Board
• Ministry of Social Development
• Gambling Compliance Group

Legal Online Gambling Activities in NZ

Kiwis can access select online gambling activities they can engage in and have thrilling moments.

These alternatives are available on platforms where it’s legal to punt in the country.

For context, NZ residents have access to the following:

• Online Sports Betting
• Online Casino and Bingo
• Online Lotteries and Poker

Responsible Gambling in NZ

Gambling is addictive.

Without precaution, individuals can speedily go through their finances and rake up huge debts.

To dispel problem gambling, the government mandates all gambling operators in New Zealand to imbibe safer gambling featured in the Gambling Act of 2003.

Some organizations provide support services for folks with gambling problems.

Such bodies include:

• The 24 hours Gambling hotline Aotearoa
• The Problem Gambling Foundation   

Final Words

The legality of online gambling in NZ has given Kiwis a chance to access “iGaming pleasures” directly from the comfort of their homes.

Also, the chance to make an astronomic win heightens the thrill.

For gambling sites, besides the lottery and TAB NZ, to work in New Zealand, they must be licensed. However, Kiwi bettors should note that the NZ government won’t intervene if they’re fraud victims.

Regardless of how immersive your gambling adventure might be, endeavor to gamble responsibly.

The post Online Gambling in New Zealand appeared first on Australian Times News.

When most people play online casino games, they play to win. And like most things in life, winning at an online casino requires an effective strategy.

Therefore, without much ado, let’s dive into some of the most effective tips and strategies when playing online casino games.

Winning Is Easier If You Play at A Reputable Casino

The house doesn’t always win in the best casinos. While it’s true that the house will always have certain advantages, reputable casinos are fair, safe, and most certainly pay out all of your winnings.

Therefore, if you are going to play, you ought to place your bets on a site that’s been certified as legal and fair. That way, the likelihood of you getting ripped off and losing money is minimal.

Sketch casinos promise big wins, but they are only out to take your money. They’ll employ unwinnable scenarios and corrupted games to rinse you out thoroughly.

Therefore, each time you play, only do so in secure, legal, verifiable, and reputable casinos

Always Take Advantage of Online Casino Incentives

Casino bonuses and other incentives are key benefits that tremendously impact your overall financial success.

More often than not, casino gaming incentives are usually marketing campaigns offered to attract new players. Nevertheless, savvy players may yet uncover incentives targeting existing gamblers and leverage them to increase their earnings.

Popular incentives you should watch out for include free spins and 100 deposit bonus casino incentives to boost your deposit.

A rule of thumb with casino gambling is to always read the fine print before taking advantage of promotional incentives.

Consider the RTPs

Experienced casino gamblers know that by considering a game’s RTP (Return to Player) they can get an idea of how lucky they will be playing for the long term.

High RTP games are favored compared to low RTP games because they offer players better chances of winning.

Obviously, you want the best possible odds when getting into a casino, so high RTP games are something you ought to consider strongly.

Nevertheless, remember that even high RTP games have shortcomings, and actual winning depends on the luck and experience of the player.

Practice Your Hand in The Demo Before Going All In

Playing casino games is similar to participating in any other sport where your loss will be monumental if you don’t know what you’re doing.

Honing your casino gambling skills is a major deciding factor on whether you’ll win big or go home flat-out broke. That’s why most casinos offer their games in demo mode.

Playing in demo mode offers you a risk-free chance to gain all the relevant knowledge and skills about a game before staking your hard-earned cash.

Have A Solid Budget for Online Casino Gambling

Like all gambling, online casinos have real risks of losing money. Therefore, to be a winner, you must first learn how to stay on the safe side of your finances.

Never bet more than you can afford to lose. Also, a wise anonymous person once said, “We shouldn’t spend it all in one place!” So, don’t spend your entire betting budget all at once.

It’s best to diversify your portfolio by making multiple small bets in several casino games rather than placing one massive bet in a single game.

Also, remember that with casino gaming, the more you risk, the great your winnings. So don’t expect to make the big buck placing small bets on low-odds games. Instead, be wise with your budget and consider how much you can feasibly stake to up your possible winnings.

On the same note, the payment options you select for your casino gaming must be secure. Therefore, fundamental knowledge about keeping your online transactions safe and secure is also critical.

Read The Fine Print

The casino devil will be in the details. Your stakes and winnings may be in jeopardy due to some hidden clause you missed by not carefully reading the terms and conditions.

Conclusion

Online casino gambling has often been referred to as a risky pastime. However, when done right, gambling online can be pretty rewarding. The tips in this write-up are indeed meant to sharpen your wits, allowing you to win big online.

ALSO READ: Review of Rich Palms Casino

The post Long-Lasting Casino Tips You Should Always Consider appeared first on Australian Times News.

The widespread popularity of video games has sparked an interest in exploring their potential mental health advantages. 

A sizable percentage of people worldwide mostly unwind by playing video games. In addition, a growing number of casual gamers may be considered as information and communication technologies improve. 

70% of people have played a mobile game or are interested in the best new online casinos in 2022, while 30% have done so already and are happy with their experiences in both industries. 

Even though most video games are for persons over 30, many young adults play them too. This has led to various apps that bridge the divide between serious and fun learning. 

Consequences of Playing Video Games 

Answers to the following are fundamental concerns in the field of video game research: 

• Long-term repercussions of video game addiction.
• Whether or if it has a beneficial impact on drive, mood, or relationships. 
• If there are unfavorable results from exposure to depictions of graphic violence, such as increased risk of addiction or worse achievement in school, then we need to address this issue. 
• Due to the prevalence of discussions on the drawbacks, this essay will instead center on the positive psychological impacts of playing video games. 

Advantages to One’s Mind 

Attention 

To put it simply, this is one of the most investigated mental operations. Activating the other processes in the game requires constant participation from attentional networks. 

Playing video games can help you pay more attention in general. Increases in sustained, divided, and selective attention have been linked to prolonged play.

It has been found, for instance, that the selective attention processes of onlookers are more engaged than those of performers. Therefore, it may be concluded that gamers are more resource-efficient than the general population. 

Midline theta rhythm has also been linked to increased activity, such as that seen when playing video games. 

It’s impossible to separate attention from the brain’s electromagnetic frequency. Therefore, playing video games improves focus, a skill that further develops with time. 

It’s fascinating to observe how the tweaks vary from game genre to game genre. Some video games, like action games, are better at training selective attention than others, such as puzzle or strategy games, since they demand a faster and more accurate pace from the player. 

Capacity for Mental Imagery 

These skills allow humans to collaborate with others and traverse their environments, as well as receive, identify, and control visual stimuli. 

Video game playing affects these skills since they are essential in interactive and visual occupations. 

For one thing, it came out that athletes of all levels of expertise and training gained size. Visual abilities and this region of the brain are closely linked. People’s brain activity in regions responsible for spatial memory increased after playing logic, puzzle or card games like Freecell Solitaire or Spades

The Ability to Provide Reasonable Commands 

When playing a game, one is frequently presented with decisions involving many possible courses of action. 

In an adventure game, for instance, there are times when you have to forgo one option in favor of another. Cognitive control keeps an eye on these factors via working memory, inhibition, and task switching. 

Training with video games has been shown to alter the activity of brain regions responsible for cognitive control, including the prefrontal cortex, parietal areas, and basal ganglia. 

Interest, age, skill, and game difficulty affect how engaged a player is. They seem permanent since they have been shown to persist even when the person is at rest, when video games are not being played, of course. 

It’s important to remember that different games use different brain parts (and different kinds of thought processes). For instance, playing strategic video games increases one’s ability to recall new information. 

Improved cognitive function has been linked to playing 2D action games. Working memory is also enhanced by playing brain-training or puzzle games. 

Pluses in Other Areas 

Learning new procedures and sharpening other mental abilities are both aided by playing video games. Specifically, visual-spatial processing, motor planning, and integrated motor and visual control. 

But video games also have positive psychological effects, such as increased drive, self-control, confidence, and social competence. 

Depending on the type of game, there is a chance that players will be exposed to lessons on respect, cooperation, teamwork, and personal development.

The post The Positive Effects of Gaming on the Mind appeared first on Australian Times News.

Compare international money transfers

The best place to see most of your various money transfer platforms in one place is with a comparison site. This lists ‘like for like’ products and services side by side, so their features can be assessed easily. Being able to see how much you will have remaining at the other end after you send money overseas, is an integral feature. Knowing the minimum transfer amounts, expected timeframe, transfer fees and total number of currencies available will make your cross border transfer much less stressful.

Avoid credit cards and banks

Banks and credit cards typically apply whatever exchange rate is available at the time the transaction is processed for that specific currency. This type of conversion is called a ‘spot conversion’ or a ‘spot price.’ This frequently leads to a lower exchange rate, which might reduce the money you have at the other end.

Worse still, it goes through a gristmill of fees and charges. Your credit card provider may charge an international transaction fee between 1%-3% on your funds, which is further eroded by a foreign exchange fee. The payment processor may also charge a fee at the other end – which means even less money for your recipient! Look for a specialist forex money transfer provider instead. Such companies will usually offer much more competitive fees or margins.

Limit buying options

Forex merchants help you keep more money by using limit and stop loss orders. A limit order is an order for your transaction to be carried out at a specified exchange rate. For instance, you may have specified your transaction is sent to market at an exchange rate of $0.77 AUD. When the market reaches this predefined number, your order will be carried out.

Stop loss orders are also used in combination with limit orders. These orders enable you to protect your funds in the event the exchange rate changes unfavourably. They enable you to limit your losses by withdrawing your funds before too large a loss is experienced.

Is $10 000 the maximum amount you can send overseas?

It is possible to send larger amounts of money overseas, but any transaction of $10 000 or more must be reported to AUSTRAC. This is the Australian Government’s anti-money-laundering agency which ensures the proceeds of serious crime is not sent overseas or used for criminal activity. This $10 000 limit applies whether you are transferring money for business purposes, or gifting it to your family or friends.

How long does it take to send money overseas?

The hallmark of a good forex company is if they offer instant money transfers. Banks can take up to seven working days to send your funds – and you’ll pay for the privilege. However, specialist money transfer providers can often get your funds to their destination on the same day, or within two days.

The post Five Tips for Sending Money Overseas appeared first on Australian Times News.

Negotiation Skills

Negotiation skills are often overlooked, but they’re incredibly important. If you’re a good negotiator, you’re able to handle conversations effectively and ensure that you get the most out of contracts and other situations. Professionals in any industry should be able to comfortably communicate with opposing parties and convince them to see things their way.

There are many different scenarios where negotiation skills can be important. For instance, a salesperson may use persuasion techniques to persuade customers to make a purchase. Any expert could utilise those abilities to persuade management to switch to a process that is more productive or efficient. You can develop your negotiation skills through practice or by taking a negotiation certificate online.

Leadership Skills

If you’re an effective leader, you have a much greater chance of progressing up the corporate ladder and gaining a management position. Good leaders are able to motivate and encourage the people that work under them and aren’t afraid to take responsibility. Even if you’re not a manager or in charge of a team, having good leadership skills can be important and will help you get more out of working with other people.

Leadership for managers or supervisors may also entail knowing when and how to assign duties, as well as modifying your management approach in accordance with each employee’s personality and preferred working methods. Positive leaders also provide a good example of the work they want their team to produce. You can develop leadership skills by becoming more empathetic and working more closely with other people.

Problem-Solving Skills

No matter what kind of role you have or what industry you work in, you’re sure to encounter problems while working. Good problem solvers are always in high demand, especially those that show initiative in solving issues without being asked. All workplaces have some level of unpredictability, and being able to deal with problems effectively is, therefore, an extremely useful skill.

Good problem-solving abilities allow you to analyse the situation calmly and collaborate with others to come up with answers. Additionally, competent problem-solvers may analyse the advantages and disadvantages of potential solutions until they identify the optimal one. Developing problem-solving skills is usually done through practice and experience, but you can also work on your logical thinking and solve puzzles to improve your skills.

Teamwork Skills

In most roles, you’ll be working with others. Whether you’re part of a cohesive team or you occasionally collaborate with other departments, it’s necessary to be able to work well with other people. You’ll often need to complete tasks with other people, and the quality of the work you produce will depend on how well you collaborate. It’s important to understand the capabilities and limitations of your team members.

Often, working as part of a team will also mean occasionally working with teammates to find a solution to a common problem. You can also use your team to gain advice and learn more about the role. You can improve teamwork skills by having more empathy and understanding of others and by learning to put more trust in your teammates.  

The post The Best Skills You Can Learn to Improve Your Career appeared first on Australian Times News.

Horse racing is popular around the world, although perhaps not as much as it is Down Under. It’s actually the third most-watched sport alongside the big rugby encounters against the All Blacks and the fierce Australian rules football match-ups that garner huge interest. Attending some of Australia’s biggest horse races is a highlight on the sporting calendar. The atmosphere is excellent, there are ardent supporters everywhere, and there are some extremely talented jockeys and their horses that put on regular shows for audiences.

Although there are many events throughout the year, some horse races are bigger than others and come with a certain prestige that other races simply don’t. With that in mind, let’s take a look at some of the biggest horse races on the calendar in Australia.

Melbourne Cup

A well-known race around the world and not just in Australia, the Melbourne Cup, also known locally as ‘the race that stops the nation’, is a truly iconic contest. It hogs the headlines in the build-up to it and, it’s viewed on television by millions, and it’s one of the sporting highlights of the year. There are some big prizes up for grabs, too, with the winner in 2022 taking home a share of the  $8,000,000 purse for reigning supreme. Taking place at Flemington Racecourse every first Tuesday of November, it’s a sporting occasion that is steeped in history also, with the event first taking place in 1861. For sports fans, particularly in Australia, the Melbourne Cup is an unmissable event.

W.S Cox Plate

Put the date in your calendar – Saturday 22^nd October. One of the most respected races in Australia, the W.S Cox Plate is an event for any thoroughbred horse and features some of the most skilled riders as they aim to tackle a notoriously difficult track in the Moonee Valley Race Course, with one out of 14 horses aiming to come out on top in the 2 040 meters race. Scheduled one month before the Melbourne Cup in October, it’s a race every jockey and trainer wants to win, especially given its history and the fact that is was founded by William Samuel Cox, the racing club’s founder. The W.S Cox Plate’s a big one for bettors, so be sure to check those free Saturday racing tips beforehand to make the most of your punting.

The Everest

The Everest is – by quite a distance – the newest race on this list. But what it lacks in history, it makes up for in star power. The race was inaugurated in 2017, and its five runnnings so far have attracted some of the best talent from Australia and beyond. The key to attracting that talent? Dollars, and lots of them. It is the richest turf race on the planet, and it has an unusual entry system that sees owners buy slots for the participation of their horses. Nature Strip was the winner in 2021, and he is favourite to do it again when the race goes off on 15^th October.

Queen Elizabeth Stakes

A Group One race that takes place in Sydney at the Royal Randwick Racecourse, the Queen Elizabeth Stakes first happened in 1851 and has since gone on to become one of the most respected race days around. It was even said to have been watched by Queen Elizabeth herself on a few occasions before she sadly passed away. It’s actually the third most important WFA race in Australia, too. For racing fans in Sydney, it’s an event that is not to be missed, particularly as it features some of the top horses and riders in the country.

Caulfield Cup

Taking place in mid-October at the Caulfield Racecourse in Melbourne, the Caulfield Cup is another unmissable horse racing occasion that is adored by horse racing nuts in the country. With the winning horse bringing home $5 000 000, it’s the world’s richest handicap race and has been wowing audiences since 1879, when the inaugural race took place. The competition originally hosted competitors from New Zealand and Australia, before taking on horses from other nations in more recent times. As such, it’s perhaps more competitive than it ever has been before.

Other big horse races on the calendar include the Golden Slipper Stakes, the Victoria Derby, and The All-Star Mile.

The post 5 of the Best Australian horse races on the calendar appeared first on Australian Times News.

Plan ahead – what does growth look like?

It’s important to have a strategy in place to improve your company’s chances of expanding effectively. Unstructured attempts to design and implement strategies are certain to fail. You need a solid expansion plan to know what to do next and where to concentrate your efforts. Research is the starting point for each business expansion plan.

Market and competitor analysis should be part of this process. The process of creating a growth strategy is quite similar to that of creating a business plan; the key difference is that the emphasis here should be on growth and seizing opportunities to reach those goals.

Using an aggregator

Using a finance aggregator service can instantly put your brokerage on the same footing as the big players and yield even more value as time goes on. Using a lender aggregator to research financing possibilities may connect you with a variety of commercial and consumer lenders while also handling financial compliance.

Rather than spending a lot of time and money building your own panel – which can take a lot of time before you see results – choosing an aggregator that provides training and certification, lead generating resources, and even specialised software for asset brokers can help you implement your growth plan sooner rather than later. They’ve even been proven to do so – as seen in this report.

Spend money on digital marketing

Nobody can see you offline. Digital marketing could help your brokerage develop more buzz and clientele fast.

SEO, PPC, Social Media Marketing, and Content Planning may help your firm beat the competition. You may boost your pay-per-click advertising ROI by learning about it yourself or employing a dedicated marketing firm. Your service should be selling – and selling should be the same as your service.

Offer value additions

Many brokerages provide value-added goods like insurance or car buying to make their service more attractive. You could offer car buying services which simplifies the entire process for your clients – you source, finance, and deliver the car; a complete end-to-end solution.

You can also offer utilities comparison so consumers may get lower gas and electricity when they move house. Make your brokerage distinctive and stand out from the competitors.

Be customer responsive

Small firms are more sensitive to customer demands since their success depends on it. When you do your best, clients notice and appreciate it. This turns them into brand advocates. You can leverage brand advocates in your social media – even better if they have a large following. The more goodwill you can generate by being attentive and going the extra mile such as being pro-active when it comes to refinancing etc., the better.

The post Business Growth Tips for Australian Finance Brokers appeared first on Australian Times News.

Finding a reliable essay writing service

There are several ways to find a reputable essay writing service. One of the best ways is to read reviews. A review will allow you to see if a service meets your expectations. You can also check out the guarantee of the service. Often, guarantees cover issues such as poor quality or missed deadlines.

Whenever possible, look for a writing service that uses advanced security features. For example, a company should be able to incorporate secure payment gateways to protect customer information. It should also provide convenient payment methods. If a writing service does not offer convenient payment options, look elsewhere. You also want to avoid scams, so do your research to find a legitimate company.

Besides checking reviews, you should also check out the website’s credentials. Make sure it is professional and does not resell old papers. It would be best if you also looked at the quality of the paper samples it provides. Additionally, read their security policies and see how many other customers are satisfied with the service.

Avoiding newbie mistakes

If you’re considering purchasing a college essay helper online, there are some things to remember. First, make sure you’re not plagiarizing. Many students will attempt to pass off someone else’s essay as their own. Plagiarism is a serious offense. Many students have been suspended or expelled because of plagiarism. To avoid this problem, you should always submit your papers through an online service called Turnitin. Turnitin is a plagiarism detection tool that checks the uniqueness of papers against public databases. If you buy college essays online, be sure to check if the service uses the service.

Another mistake to avoid is compromising the quality of your paper. The quality of papers can vary dramatically. Even if they’re written from scratch, they may still be plagiarized. Even if you don’t feel comfortable editing them yourself, it’s best to seek assistance from a professional.

The legality of buying college essays online

Buying college essays online is a legitimate business for write my essay, but specific rules must be followed. First, you must choose a secure website. You also have to ensure that the writing firm is legitimate. If it is not, you can end up with a piece that is plagiarized or contains numerous grammar errors. The best option is to hire a reliable academic writing service.

It is also essential to check the privacy policy of your chosen service. Some websites are less reputable and may sell your personal information to third parties. Only choose a writing service with strict confidentiality policies. Usually, the writing service will need to know about your level of education, topic, preferences, and other details regarding your paper. You don’t need to provide your professor’s name. Typically, the most reliable services communicate with you via an account on their website. They will also provide you with a client number.

While there are several disadvantages to buying college essays online, it is still a legal option for some students. A legitimate company will hire specialists with advanced degrees. A good company will also hire professors, researchers, and teachers with a background in your subject.

Getting a copy of the sources used

Purchasing a college essay online from a professional writing service is an excellent way to avoid plagiarism and ensure the quality of your work. It’s also a good idea to ask for a copy of the sources used. The college paper writer should provide you with PDF files of articles, books, and other materials. They should also provide you with links to videos or other sources if you need additional information.

Students need help with several academic issues during college. Unfortunately, their lecturers and tutors may not have time to address all of their problems, so getting a third-party guide is essential. Even if you have the time to go through the sources yourself, a third party can help you.

The post Buy College Essays Online appeared first on Australian Times News.

What is Mp3Juice?

Mp3Juice is a website offering free music downloads without having to sign up or provide payment information. It’s a great place to find and download music that you love without having to give your information to an unknown site. Note that the site has advertisements before the music starts playing, so you can’t just download anything you like. You’ll have to filter out the music you don’t want to hear. Mp3Juice is a music streaming website that lets you play music from a variety of genres. It also has a free music download feature, so you can download music for free without signing up. Mp3Juice is great for downloading music for free and discovering new artists. Mp3Juice is a free online music streaming website that lets you play music from a variety of genres. It also has a free music download feature, so you can download music for free without signing up. Mp3Juice is great for downloading music for free and discovering new artists.

How to download music for free using Mp3Juice

• Browse through the music categories: First, you need to pick a music category where you want to find music. There are several to choose from, including pop, rock, hip-hop, classical, and others. There are also subgenres within each category if you’d like to narrow down your search.
• Filter out the music you don’t want to hear: After you’ve found something you want to listen to, you can filter out the music you don’t want to hear. There are a few options here, including title, artist, popularity, and more. Select one that best describes the music you’re looking for.
• Click the “Play” button: Once you’ve found the music and filters you want to use, click the “Play” button. You’ll find that a song starts playing, and there’s a “Download” button in the top-right corner of the player.
• Click the “Download” button: Click the “Download” button to begin downloading your music file. You’ll be asked to select your desired format, so select the one that works best for you. Once that’s done, you can head to your downloads and enjoy your music.

Tips for Downloading Music for Free using Mp3Juice

• Listen to music and download music: You can download music while you listen. The download icon is located in the blue menu bar, next to the pause and plays icons.
• Come back often: Since you can only download each track once, it’s a good idea to come back to the site every few days to check for new music. – Download your music on a computer: If you want to download your music, make sure you’re using a computer. You can’t download your music to your phone.
• Search for your favorite songs: If you’re looking for a specific song, you can type it into the search function on the homepage.
• Discover new music: Another great way to use Mp3Juice is to discover new music. You can do this by clicking on the “Explore” tab at the top of the page. This will take you to a page that has several different categories to choose from.

Downloading Music with Mp3Juice is Completely FREE!

Mp3Juice gives you unlimited free music downloads. The only catch is that you have to listen to an ad and click the “skip” button three times before it stops. This isn’t too bad, and it’s a small price to pay for free music. You can also download music for free from Mp3Juice’s mobile app. The app is available for both Android and iOS devices, so you can easily download music from the go. The app also has a similar interface to the website, so you don’t have to learn a new interface just to download music.

Conclusion

Mp3Juice is a great source for downloading free music. The site lets you pick from a variety of genres, and you can even search for specific artists. The site has ads, but it also allows you to download music without signing up or providing any payment information. This makes it a great source for downloading free music without getting scammed.

The post Secrets to Successfully Downloading Music For Free: Mp3Juice appeared first on Australian Times News.

GradeMiners

If you are looking for academic paper writing services, then you should check out GradeMiners. The company offers a wide range of services at affordable prices. Its prices are linked to the type of work and the deadline. For example, a one-page academic essay will cost $15 if you need it to be completed within a month. GradeMiners’ website is easy to navigate and provides you with plenty of information. You can read about the company’s guarantees and FAQs, and you can find out their rates for typical academic papers.

The company also offers a fourteen-day money-back guarantee and a thirty-day revision policy for essays and papers. Furthermore, it has more than thirty kinds of papers to choose from. Its authors are skilled in a wide variety of college subjects.

Essay.org

Essay.org academic paper writing services experts are highly qualified and have undergone extensive training. They work hard to ensure that the work produced meets your expectations and is plagiarism free. The service also offers 24/7 support to help you with your academic assignments. You can even get your paper revised as many times as you need.

Unlike many other academic paper writing services, Essay.org offers its customers the ability to communicate directly with their writers, ensuring that the work is top-notch. In addition, you can choose the writer who will write my essay paper based on the topic and academic level. You can also choose to pay using PayPal or a Visa credit card.

SpeedyPaper

SpeedyPaper is a good option for students looking for a cheap essay writing service. This company claims to produce plagiarism-free papers in 30 minutes or less. They are also available 24 hours a day. SpeedyPaper is highly recommended because of its transparent pricing policy and high client satisfaction rate. You can contact the company online for any questions or concerns you may have.

The company has a well-organized website with videos explaining the process, paper samples, and customer reviews. SpeedyPaper’s customer support service is renowned for promptly identifying issues and resolving them. The site offers live chat and email support and is open 24 hours a day. SpeedyPaper also offers free revisions.

Essaykeeper

The Essaykeeper team comprises experienced academic writers ready to handle all types of academic papers. The essay writer can specialize in various subjects and can handle anything from coursework to essays to dissertations. In addition, the company uses plagiarism-checking software to ensure that all papers are original and free from errors. Students may also contact the customer support team if unsatisfied with their finished work.

Customer support is available around the clock and offers a toll-free number and an online chat system. It also provides separate email addresses for different issues. A representative will respond to your query within a few hours.

EvolutionWriters

If you’re looking for a reliable academic paper essay writing service, you should check out EvolutionWriters. This company has more than 105 000 satisfied customers and claims to exceed your expectations with its high-quality papers. You can check the status of your order at any time, and you can also request a revision if necessary.

EvolutionWriters offers a variety of discounts and coupons for its services, and its writers are generally competent and highly qualified. Prices start at $9, and you can also receive a free plagiarism report if you request one. The company also offers 5% back on every purchase. However, there are several cons to this company.

While EvolutionWriters’ prices are reasonable, some of their writers are not as good as you would like. However, if you’re unsure what you’ll get, you can request a free plagiarism report. Another perk is that you can work with just one writer and approve the work before it is submitted. EvolutionWriters also offers a money-back guarantee if you are unhappy with the work. This service provides support around the clock, so you can get your paper done anytime.

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Inferential statistics

Inferential statistics are used to make inferences from a data set. Specifically, they are used in research projects with experimental or quasi-experimental designs. They also can be used in program outcome evaluations. The most basic type of inferential statistical test is the t-test, which compares the average performance of two groups. For example, if you study eighth-grade boys’ and girls’ math test scores, you can use t-tests to compare average performance between groups.

Another type of inference is transductive, which ignores sample-population relations. In contrast, inductive inference ignores sample bias and treats a sample as the population. In other words, if a widget is white and one out of 100 is defective, it will be white. This is an example of a problem with inferential statistics.

Descriptive statistics can be explained with tables and graphs, while inferential statistics make predictions and hypotheses from a sample population. This statistical method can help you write my essay and understand the larger population and test a hypothesis.

Descriptive statistics

Descriptive statistics can be used to summarize data. They can also be used to find the middle ground between different sectors. These are standard statistical methods used by analysts. They are often presented through charts and graphs. For example, a descriptive statistic could be used to analyze data regarding movie-goers. A survey would provide yes/no responses, and a graph would depict how many people viewed the film. The opposite of descriptive statistics is inferential statistics, which are used to draw inferences from data.

To use descriptive statistics, you must choose a representative sample. This process can be a bit complicated, but it is necessary to get the correct data. Some standard techniques include simple random sampling and snowball sampling. A representative sample is critical to the accuracy of your results.

Descriptive statistics are a great way to turn raw data into meaningful information for your audience. While descriptively presenting raw data is not always ideal, it helps retain your study’s meaning and original information.

Hypothesis testing

Hypothesis testing is the process of testing an assumption or theory. The methodology for this process depends on the hypothesis, but it usually involves using sample data to extrapolate insight into the larger population. Without hypothesis testing, data-driven decision-making can be flawed, resulting in wasted resources, missed opportunities, and catastrophic outcomes.

The first step in hypothesis testing is to formulate a hypothesis. A simple hypothesis assumes that a special relationship exists between two variables. For example, it is possible to say that smoking continuously leads to cancer. In such a scenario, a student could write my essay and a hypothesis based on this example.

A proper test procedure can also determine which data items are worth attention. Sometimes, it can help executives make better decisions by weeding out statistical noise.

SPSS

In a Business statistics assignment using SPSS, you must learn how to use this statistical software package. The software program has several features that make it easier for students to perform analyses. For example, SPSS allows you to compare the mean values of two variables. You can even use a single variable to compare two other variables.

While using SPSS is not difficult, some people have trouble understanding it. You can contact an assignment essay writing service like EssayUSA for help if you are one of those people. We have writers who specialize in SPSS and can help you complete your assignments using this program. Our writers produce top-quality assignments that have been researched thoroughly.

The software is used for various statistical applications and can be used for data entry, analysis, and table and graph creation. It allows you to gather and organize data from many sources, including websites. It also allows you to open a variety of file formats. For example, it can handle files structured in spreadsheets, relational databases, or plain text files.

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Not only are your loved one’s needs important. It’s also a case of what your family can afford and whether altcs eligibility is a factor.

The following tips will help you make your decision and provide some insight into the financial side of senior care. 

Different Types of Senior Care and the Cost

There are a lot of choices when it comes to care for a loved one. How much each cost depends on several factors. These include:

• Level of care
• Insurance
• Level of supervision
• Individual needs
• Geographic location

Determining the level of care your loved one needs depends on their ability to complete various activities such as eating, grooming, bathing, and maintaining finances. 

In-Home Care

This type of care enables older people to stay in their own homes and receive any care and medical attention they need.

The care can include daily assistance with activities such as bathing and eating. It can also include care for diseases and illnesses. 

Average cost: $16-28/hour or $200-$350 per day 

Nursing Home

In a nursing home, your loved one will receive 24-hour supervision and varying levels of care, depending on their needs. The services offered might include housing and housekeeping, personal care, and medical services. 

This level of care is for seniors who need round-the-clock supervision and continual physical, mental, or medical care. 

Average cost: Between $152 and $963 per day

Senior Co-Op

This is a community that seniors can buy into and become a part of it. The community will take care of maintenance, chores, and home expenses. At the same time, different social activities will be organized. 

This type of care is designed for the more independent senior who is looking for a convenient way to live and have a say in their community.

As a member of the senior co-op, your loved one will be in charge of the share costs. Costs range from 20% to 40% of the living unit’s value. These range in value from $100 000 to $250 000. 

Retirement Community

These are age-restricted communities that offer housing for people who are healthy enough to care for themselves. Services offered include transportation, meals, socialization, and community activities. 

Average cost: $1 000 to $5 000 per month

Assisted Living

Assisted living is for aging adults who need assistance with regular daily activities such as bathing, preparing meals, tidying up, and taking medication. There is not always a registered nurse on duty, but they may offer licensed practical nursing care and memory care units. 

This level of care is for older people who can’t live safely on their own and who may be suffering from cognitive issues. 

Average cost: $1 500 to $6 500 per month

Adult Day Care

This type of senior care is for a loved one who needs assistance and supervision throughout the day but doesn’t need a full-time care environment. It provides the opportunity for them to maintain their independence and social life.

Average cost: Between $25 and $100 per day

Hospice

Hospice is end-of-life care for a senior loved one with a terminal illness or when they are nearing their final days. It is a service that can be offered at almost any location. This type of care aims to make your loved one as comfortable as possible during their final days. 

Average cost: Between $150 and $500 per day

Paying For Senior Care  

As well as understanding the options, it’s also important that you appreciate your options when it comes to paying for senior care services. Here are some of the ways you can pay:

• Medicare: This is a federal health insurance program for seniors aged 65+ and people with certain disabilities.  
• Medicaid: This is a state and federally-funded program that provides long-term health care coverage to people with a low income. 
• Long-Term Care Insurance: This is designed to cover expenses associated with long-term care. 
• Reverse Mortgage: With a reverse mortgage, you can turn your home’s equity into cash. It might be useful if you need money to pay for care or other expenses. 
• Hybrid Annuities: You purchase an annuity from an insurance company. It combines long-term care with an annuity and you make a series of payments to the insurance company. 
• Out of Pocket: With this option, you pay for all bills, medical needs, and long-term care straight from your personal funds. 
• Buy-Ins: You pay an entry fee deposit and then buy in to a community. It allows you to live in a house for lower monthly fees and reduced monthly maintenance costs.  

Now you know a little bit more about your options, it should make your decision much easier.

The post Tips on paying for and choosing Senior Care appeared first on Australian Times News.

Since the skin is the largest organ of your body, it can cause severe damage to your well-being over time. Most consumers are becoming aware of this, and their shopping preferences are changing too. That’s why several brands have started catering to the needs of customers who prefer natural skincare products. For instance, super-effective natural deodorant by AKT London contains only natural, vegan ingredients and is receiving raves from customers as well!

Nevertheless, if you’re interested in discovering five reasons why natural skin care products are better for your body, keep reading this article!  

Reason #1: Free of Toxic Ingredients

One of the most “obvious” reasons you should switch to organic skin care products is that they don’t contain toxic ingredients. Some of the most used chemicals in skincare products are petroleum, paraben, mineral oil, phthalates, triclosan, sodium laureth sulfate, etc.

They can cause hormonal issues, obesity, cancer, and several other health issues down the road. One of the chemicals, triclosan, also harms marine life. Natural skincare products are free of these chemicals and usually contain plant-based ingredients.  

Reason #2: Smell Better

Conventional skin care products contain artificial fragrances that can cause irritation, redness, or itching on the skin. Since natural beauty products are free of toxic ingredients, you don’t have to fret about this.

Even better, natural products smell heavenly and give you a floral-inspired scent. They usually contain flowers and herbs for scent, such as rose, chamomile, lavender, and even essences like citrus. They give you additional skin benefits along with a mesmerizing fragrance.

Reason #3: Eco-Friendly

Ingredients required for organic beauty products are free of pesticides and toxic fertilizers. This ensures you aren’t contributing to environmental pollution by supporting responsible farming and manufacturing practices.

Organic farming also allows less negative impact through non-toxic sprays and ensures lower carbon dioxide emissions for the betterment of our green planet and wildlife. In addition, most organic brands strive to make their product packaging more sustainable to minimize environmental damage.

Reason #4: Healthier and Better for Your Skin

Although you may notice instant visible results by using toxic skin care products, the side effects may start showing in a few years, such as premature aging and visible sunspots.

The results you see with organic skin care products will be slow and steady. However, in the meanwhile, your skin won’t feel irritated, and you will be feeding your skin with healthy ingredients such as coconut oil, aloe vera, tea tree oil, honey, shea butter, etc. In the long run, your skin will feel smoother, more nourished, and plumper.  

Reason #5: a Little Goes a Long Way

Organic skin care products may feel a bit costly to you. However, it’s essential to consider that it’s kind of a one-off investment. In other words, an organic product you purchase from a beauty store will last longer than a toxic skin care product.

Since traditional skin care products are filled with filler ingredients and only a minimal amount of active ingredients is found, you’ll need to use that product in greater quantities daily, and you’ll have to repurchase more often.

On the other hand, a natural skincare product only contains whatever skincare concern it needs to target to ensure you only use a minimal amount of the product and get the desired results without having to purchase frequently.  

The post 5 Reasons Natural Skin Care Products are Better for Your Body appeared first on Australian Times News.

Fortunately, there are alternatives to building a good credit score and even securing loans.

Credit builder loans and credit cards for bad credit are some financial solutions designed for people who wish to build their credit score or improve their credit history.

In this blog, we have discussed both options so you can make an informed decision when picking one solution. 

What Is a Credit Builder Card?

A credit builder or secured credit card is an excellent option for people with a poor credit history or no credit score. With secured credit cards, users can rebuild their credit score and eventually apply for a standard card or loan later. 

A secured credit card works differently than a traditional credit card. When you apply for a secured credit card, you will have to deposit a security amount. This amount is refundable. Generally, the security deposit is equivalent to the credit limit you will have on your card. Some card issuers offer a higher credit limit than the security deposit, while some increase the credit limit over time. You can lose your security deposit if you fail to make timely repayments. Also, it can have harmful consequences on your credit score. 

Compared to traditional credit cards, credit cards for bad credit have high-interest rates. Your credit score will eventually improve if you’re careful about optimally managing your credit limit and making timely repayments.

What Is a Credit-Builder Loan?

A credit-builder loan is another great option to build or rebuild a credit score. 

 We all know how traditional loan works, right? 

We borrow a sum of the amount from a lender at a said interest rate for a certain period. At the end of the term, you will have repaid the loan amount with interest. 

With a credit-builder loan, you don’t actually get a loan. Confused?

Credit-builder loans are a financial product designed to build your credit and save money.

If you are approved for a credit-builder loan, you commit to paying a certain amount to the credit-building loan company each month till the duration of your loan term. 

Unlike a traditional loan, you make monthly payments to the lender instead of receiving funds. If your loan term is 12 months, you will have to pay the settled amount to the company for 12 months. At the end of the loan term, you will receive the full amount, along with interest accrued on the money deposited.

So, the question is, how does it help in building credit scores? Here is how.

When you pay the loan company monthly, the transaction gets recorded and reported to credit reference agencies. When credit reference agencies see you are regular with your monthly payments, they will consider you creditworthy and improve your credit score.

Which Option Is Best?

As seen above, both credit cards for bad credit and credit-builder loan options are best for people looking for practical ways to improve their credit score. 

However, choosing between the two can be daunting. 

Your choice will depend upon your financial condition, needs, and goals.

The credit-builder loan will be your best option if you want to build your credit score while saving money. Besides this, credit-builder loans don’t require stringent credit checks and security deposits. Once the loan term ends, you get the accumulated amount along with the interest.

If you require credit while improving your credit score, credit cards for bad credit are your best option. These credit cards allow one to take out monthly credit and make easy repayments. The credit reference agencies will see that you have easy access to credit and can manage your credit without incurring any late payment fees. This will ultimately improve your credit score. 

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This leading company supplies high-end home theaters, award winning HiFi stereo setups, or everything in between for the ultimate bespoke audio solutions that will elevate your living space.

Intelligent home automation solutions

Distinction Audio provides cutting-edge smart home automation systems to residential customers and commercial clients all around the world.

The intuitive user interface of this multi-award-winning smart home entertainment and control system allows you to take command of your home’s audio and video, television, climate control, lighting, and other systems from anywhere in the house or anywhere in the world.

This system combines whole-home audio and video with TV, climate control, lighting, and other home systems.

And now, thanks to Intelligent Touch Panels and voice control made possible by Amazon Alexa, it is simpler than ever before to connect your living room and every other room in your home to create a truly intelligent home environment.

Distinction Audio smart home solution and connected devices will provide you with a delightfully straightforward experience overall.

With a sophisticated yet simple to operate ELAN smart home automation system, you may improve your home life by increasing the number of entertainment options available to you, streamlining the performance of mundane tasks, and making more efficient use of the resources available to you.

Bespoke designs and installations

The Distinction Audio team of international designers can design a bespoke solution for each area that complies with CEB22 and CEB23 recommendations.

Whether you are interested in a fixed seat dedicated home cinema room, a multi-purposes media/living space, on a super yacht in the middle of the Pacific Ocean, or anything in between, their team can accommodate your needs.

Distinction Audio reaches both internationally recognized standards of audio perfection and the happiness of their customers through the use of the market-leading software known as “The CEDIA Designer.”

The world-famous manufacturers that provide in-wall and on-wall speaker systems for each installation assist the team in meeting the design demands while allowing for ample headroom and effortless performance.

With the help of this program, the team is able to rapidly produce technically flawless dedicated cinema or media room designs, audio and video calibration reports, aesthetically pleasing renders, 3D CAD drawings, and a client-ready proposal that is more than 30 pages long.

The CEDIA Designer is compliant with the CTA/CEDIA CEB-22 and CEB-23 Home Theatre Audio and Video Recommended Practices, which boosts performance and removes subjectivity from the cinema design process.

Final Thoughts

By supplying you with a variety of high-quality audio components and accessories, Distinction Audio makes it possible for you to have an enhanced experience when listening to music. The use of their devices enables a more nuanced level of interaction between listeners and the music they enjoy.

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The post Bespoke audio solutions to elevate your living space appeared first on Australian Times News.