CSRD aims to upgrade and improve corporate sustainability reporting standards across the EU. While giving a long response on this subject isn’t feasible here, this short guide will outline its purpose and importance. Read and find out what exactly is the CSRD directive.

Let’s move forward.

Key Purpose of the CSRD

The main role of the CSRD is to work on the comparability and transparency of sustainability reporting among EU organizations. 

Sustainability reporting is essential since it permits organizations to impart their environmental, social, and governance (ESG) execution to partners, including financial backers, clients, workers, and the general public.

It helps evaluate an organization’s effect on the climate and society, which is now progressively significant today. Here are some key points discussing the purpose of the CSRD:

Upgrading transparency

The CSRD intends to build the transparency of corporate sustainability data. This assists financial backers in making well-informed choices. They can evaluate an organization’s sustainability performance plus its monetary performance.

Keeping up with global standards

The CSRD also expects to adjust European Union reporting prerequisites with global sustainability reporting standards. This is especially so for the GRI (Global Reporting Initiative) and the TCFD (Task Force on Climate-related Financial Disclosures). This arrangement promotes consistency and international comparability.

Promoting sustainable practices

By ordering detailed accounts of ESG factors, the CSRD urges organizations to take on economical business approaches. It advances capable ways of behaving by making supportability a piece of corporate methodology and administration.

Attracts dependable investment

Investors are progressively calculating ESG execution into their investment choices. Organizations that reveal clear sustainability data might attract more dependable financial backers and possibly lessen their cost of capital.

Supports EU Green Deal objectives

Also, the CSRD is a critical part of the EU’s more extensive sustainability plan, especially the European Green Deal. It is useful for tracking progress toward the ambition of the EU regarding climate and environmental goals.

Engages stakeholder

The CSRD also supports engagement with a large number of partners, including workers, clients, local communities, and suppliers. Organizations are supposed to talk with these partners and consider their preferences in their sustainability reporting.

Cultivating innovation

Transparency around sustainability execution can drive advancement as organizations look to further improve their ESG measurements. This can prompt the advancement of new technologies and solutions for social and environmental issues.

Forestalling greenwashing

Again, the CSRD incorporates measures to prevent greenwashing, where organizations overstate or distort their manageability endeavors. It uses stricter reporting prerequisites to ensure the information disclosed is accurate.

Conclusion 

In summary, the Corporate Sustainability Reporting Directive is a pivotal regulation created to improve accountability and comparability in sustainability reporting among EU businesses. 

Its purpose is more than compliance. It aims to drive effective business practices, align with international standards, and support the EU’s sustainability objectives. Doing so contributes to a more sustainable and resilient European economy.

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A Careful Approach to Leverage

One remarkable feature of AlphaSoft.ai broker platform is its thoughtful approach to leverage. Leverage allows traders to invest more than their actual balance, opening up possibilities for greater returns. However, it also carries risks, as borrowed funds must be repaid even if the trade doesn’t go as planned. To ensure a balanced and secure trading experience, AlphaSoft.ai broker platform has implemented a cap on leverage for each type of account.

AlphaSoft.ai Logo. Image: Supplied

For those starting their trading journey with a basic account, the leverage limit is set at a lower amount, preventing excessive risks for newcomers. On the other hand, experienced traders opting for the advanced level of trading account can access a higher leverage limit, providing them with the opportunity to seize potentially lucrative opportunities.

Protecting users from Identity Theft

The growing concern of identity theft has become a significant worry for traders, especially on online platforms with inadequate user identity protection. However, in this AlphaSoft.ai review, I’m excited to highlight how Alpha Soft AI trading platform has taken swift action to address this crucial issue. By implementing robust policies for Know Your Customer and Anti-Money Laundering compliance, the broker ensures a secure and stable trading environment for its users.

With KYC policies in place, traders can have complete peace of mind knowing that only legitimate individuals are registering for accounts. This process verifies the identity of each user, making sure they are who they claim to be. Such measures are instrumental in bolstering the platform’s security and safeguarding against potential fraud.

In addition, this broker goes the extra mile by training its employees to be vigilant right from the start. This proactive approach allows them to spot any potential issues early on, preventing any adverse impacts on traders’ accounts.

AlphaSoft.ai Website. Image: Supplied

Keeping Accounts Separate for Better Protection

Among the numerous standout features, the one that truly distinguishes the Alpha Soft.ai trading platform is its provision of separate accounts for funds. This unique approach ensures that traders’ money remains untouched and is not used for the broker’s day-to-day operations. Such a setup brings peace of mind, assuring traders that their hard-earned funds are kept safe and secure.

This broker also takes an extra step to enhance security by accepting payments solely from verified sources. This means traders can use their debit/credit cards to deposit money into their trading accounts, ensuring a seamless and familiar payment process. Additionally, the platform supports various online payment vendors and eWallets, providing even more convenience for depositing funds.

Top Notch Encryption

AlphaSoft.ai trading platform has made significant strides by implementing cutting-edge encryption protocols and robust security measures. This crucial step sets it apart as one of the pioneers in prioritizing data protection among online traders. As soon as traders provide any information to the platform, rest assured that it undergoes automatic encryption.

The encrypted data remains safeguarded throughout its journey and will only be decrypted when it safely reaches its destination. Such stringent measures ensure that sensitive information stays secure at all times, leaving no room for compromise. Data protection is an essential aspect that should never be overlooked. Trustworthy partners like this broker understand the paramount importance of safeguarding your valuable data. 

Is AlphaSoft.ai Scam or Legit?

When exploring this platform, I compiled a list of features that define a top-notch trading platform. To my delight, this platform exceeded all expectations by encompassing every single one of these essential features. This compelling evidence speaks volumes about the platform’s credibility and trustworthiness. With all the necessary elements in place, AlphaSoft AI emerges as a reliable online trading broker worthy of your confidence. So, if you’re seeking a trading platform that ticks all the boxes and provides a seamless trading experience, look no further than this one. 

Final Thoughts

I will conclude this AlphaSoft.ai review by saying that in a sea of trading platforms, only a few can match the comprehensive offering that this platform provides. It stands out from the crowd for numerous reasons beyond its robust data protection measures. First and foremost, the charting tools available on Alpha Soft AI are a game-changer, providing traders with powerful insights and analysis to make well-informed decisions. Additionally, their responsive customer support ensures that any queries or concerns you may have been promptly addressed, making your trading experience smooth and hassle-free.

ALSO READ: Best Online Brokers in Australia

The post AlphaSoft.ai Review – an Online Trading Broker with Top Data Protection Measures appeared first on Australian Times News.

Online Reputation Is Becoming Increasingly Important in Today’s Fast Paced World

Financial startups should never underestimate the importance of wholeheartedly managing their reputation, especially in the fast-paced online world. Consistency and a well-defined strategy are crucial for success. When effectively executed, your company stands to gain numerous benefits. By getting a credible online reputation management company like SERPutation to monitor and audit your startup, you can enjoy the following benefits.

Improvement in Sales

Before making a purchase, consumers often seek reassurance about the product or service they’re interested in. With online research becoming the norm, people rely heavily on the smartphone to gather information wherever they go. Online reviews hold significant influence over consumer beliefs about your brand, and the more positive the reviews, the better the perception of your brand becomes. Favorable reviews and comments have the power to attract more customers, boosting sales in the process.

They Can Offer Crucial Insight about your Startup

In today’s competitive business landscape, harnessing the power of online reputation management can significantly enhance your chances of success. By actively listening to the feedback provided by your customers, you gain valuable insights that guide your operations. Reviews serve as a valuable resource for developing brand awareness and crafting targeted messages that resonate with your target market’s needs and expectations.

Remember, it’s not just negative comments that require your attention. While addressing any unfavorable content is important to protect your brand’s image, it’s equally vital to be aware of the positive sentiments shared by people about your business. This positive feedback can be used to uplift employee morale, attract new customers, and further build upon that favorable sentiment in the long run.

Neglecting the management of your online reputation can negatively affect your business endeavors, despite other strategies you may employ to drive growth. Reviews and online engagement provide opportunities to connect with consumers and gain invaluable insights for enhancing customer service, refining products, and streamlining overall operations. By implementing the right strategies and utilizing effective management tools, a good forex SEO & ORM team will harness the potential of online platforms to propel your financial startup towards greater success.

Online Reputation Services can make your Startup Standout through SEO Practices

Search engine optimization and reputation management go hand in hand, especially when it comes to ensuring that your product or service is visible to potential customers searching for reviews. While continuous SEO efforts can help push occasional negative reviews down in search engine results, it’s important to understand that completely erasing them is not always possible.

Sure, making use of inbound marketing techniques can assist in highlighting the positive aspects of your financial startup, but it’s essential to acknowledge that it’s nearly impossible to entirely conceal negativity. The good news is that consumers tend to be forgiving if they see genuine efforts to address any issues or mistakes. They often overlook a few negative reviews when the majority of feedback about your business is positive.

Regardless of the circumstances, neglecting your online reputation is not an option. If you find yourself lacking the time or resources to manage it effectively, seeking assistance becomes advantageous. This assistance can come in the form of hiring a reputable reputation management service like SERPutation to help you out.

Online Reputation Services can boost your Startup’s Online Presence

ORM services have the ability to boost your online presence through engaging website pages, and active social media accounts. However, merely implementing a well-crafted content strategy is not enough. Neglecting to keep a close eye on user responses and daily activities can undermine your hard work and investment. Reputation management services utilize a variety of tools and programs to effectively manage online traffic and mitigate its impact on your reputation. 

Final Thoughts

The success of your financial startup greatly hinges on its online reputation. Yet, despite the widespread awareness of the importance of digital marketing, numerous companies continue to overlook the significance of managing their online reputation. It’s crucial not to leave your reputation to chance. Instead, it would be best to hire a credible online reputation service to actively monitor and handle your reviews, mentions, search results, and all other aspects of your online reputation. By doing so, you can safeguard your brand’s image and ensure its positive perception in the digital realm.

ALSO READ: Rapid delivery grocery apps have flourished during the pandemic – but will they permanently change how we shop?

The post SERPutation – Online Reputation Services for Financial Startups, Brokers and Exchanges appeared first on Australian Times News.

Improved Customer Support Options for All Customers

Possibly one of the biggest advantages that come with using DZING is that you will have access to better customer support options. Customer support is easily one of the most important things that people usually struggle with when using any online service of a bigger bank. If you have run into a problem, chances are that just getting a response can take a few days. But in the case of DZING, you expect answers in a relatively short time, along with solutions that you might be facing. 

You can contact the customer support team using the dedicated email that they have provided. They are very quick to respond and will start looking into the issue that you are facing immediately. You can also contact them through social media such as Twitter or Instagram. They are especially responsive on Twitter, and you can even check if other users are having a similar issue to you. Through these customer support options, you can easily resolve issues that are keeping you from using the app effectively. So, you can easily get back to work. 

Regular Updates with Added Features 

Along with ensuring that all of their customers have access to effective customer support, DZING is also careful to keep updating its platform regularly. These regular updates bring in new features, stability options, and even improved security features. The regular updates do help with the overall customer satisfaction, but it also helps keep the app much safer. Regular updates to the build means that the team is able to cover up any vulnerabilities that hackers could use to get into the service. 

Adding new features with frequent updates also means that the service is up to date with all of the modern industry trends. Therefore, you do not have to worry about possibly moving to another service provider because you cannot find the service that you want. You can even talk to the team through social media if you have any questions about features and if they will release something similar. 

Improved Security to Keep Your Funds Safe 

Possibly the most important thing that DZING offers all of its customers are some of the most effective security features in the industry. DZING is a regulated electronic money institution that lives up to all of the standards of the industry. Therefore, you do not have to worry about them possibly living up to their competitors. In fact, keeping in line with the strict regulatory requirements of the market is what makes them offer the best services. 

DZING also holds a Tier 1 PCI DSS certification, ensuring that all transactions that you make are completely safe and encrypted. As a result, hackers will not be able to pick out the information that you are sending through while it is in transit. 

Do Not Worry About Hidden Fees or Commissions

Transparency is very important to DZING, as they want to ensure customers are able to get the best of features. As a result, all of the transactions that you make can be viewed, letting you see where you spend your money. More importantly, there are no hidden fees or commissions that they will charge you when you are using their services. You can learn more about the fees and commissions that they do charge from the official website, as well as the exchange rate and tariffs, if they apply. Tariffs and exchange rate differences will only apply if you are making international purchases. 

You will also have the option to pay using the DZING app directly, or connecting it with your Apple Pay or Google Pay accounts. So if the vendor does not let you pay through your DZING app, you can also pay through these other services with ease. 

Conclusion 

DZING focuses on offering you all of the benefits that you can get when using the services of a big bank, without having to worry about any of its downsides. You can easily make complaints to their customer support team, who will then respond to you very quickly. You will also have the option to talk to them about the issue you are facing online. Furthermore, there is also an increased attention to safety, with regular updates keeping the app safe from hacking, and PCI certification keeping all of your transactions safe. 

ALSO READ: New Technologies Driving Customer Service

The post DZING Review – Resolve Issues Fast and Effectively with Improved Support Options appeared first on Australian Times News.

Offering a Hassle-Free Copy Trading Experience

Copy trading has emerged as a popular approach for investors to replicate the techniques of successful leaders. Nevertheless, it is vital to bear in mind that historical performance does not always guarantee future outcomes. Moreover, there are plenty of individuals who employ deceptive tactics, misleading others with fabricated information regarding their achievements and methodologies.

Fortunately, ZuluTrade distinguishes itself by implementing a rigorous screening procedure to ensure the presence of dependable and accomplished leaders on its platform.

The platform grants users access to comprehensive details regarding the performance and strategies of potential leaders they may choose to follow. This empowers users to make well-informed decisions, eliminating concerns about falling victim to fraudulent schemes. Furthermore, ZuluTrade adopts a community-driven approach, offering an array of diverse leaders to follow and emulate.

By selecting multiple leaders with distinct strategies, users can effectively diversify their investments, mitigating the risks associated with relying solely on a single leader.

Is this Platform Reliable?

ZuluTrade has established itself as a premier option for investors of all levels. This is because of its intuitive user interface, extensive set of features and trading tools, and community-oriented approach. Moreover, the platform is regulated in Japan, the EU, South Africa and Mauritius ensuring the utmost safety. The user-friendly interface of ZuluTrade simplifies the trading experience, making it accessible and straightforward for both novice and experienced individuals.

Its robust features cater to a wide range of trading preferences, empowering users to customize their trading strategies according to their specific preferences. Whether you want to fully automate your trades or maintain a more hands-on approach, the platform offers the necessary tools and flexibility.

Recognizing the significance of continuous learning, ZuluTrade equips people with an extensive selection of educational resources. These resources are designed to enhance your skills, expand  knowledge base, and foster growth in the dynamic world of trading.

Simple and Seamless UI

Signing up with a new trading platform often comes with plenty of challenges like deciphering a complex user interface. However, ZuluTrade distinguishes itself from the rest by prioritising user-friendliness and seamless navigation, ensuring accessibility for all.

The platform stands out by continuously enhancing and refining the user interface. This commitment to improving the user experience demonstrates the platform’s genuine concern for its users and its dedication to delivering a hassle-free trading journey. When I initially joined ZuluTrade, I was pleasantly surprised by the ease with which I could explore the platform.

The intuitiveness of the user interface allowed for effortless access to all the essential information and tools required to execute well-informed trades. This copy trading platform’s dedication to user-friendly design is evident in its streamlined layout and intuitive functionality. Despite its user-friendly nature, the platform offers a wealth of powerful features and robust trading tools like pips calculator and margin calculator, making it ideal for a wide variety of investors.

Reliable Web Trading Platform

ZuluTrade’s web-based trading platform is designed with the user in mind, providing a straightforward and comprehensive experience. One of the notable advantages of this copy trading platform is its customization options. Individuals have the freedom to tailor their trading environment to suit their preferences and trading style.

Whether it’s arranging widgets, adjusting chart settings or organising watch lists,  ZuluTrade empowers users to create a personalised workspace that enhances their trading efficiency.

Keeping a finger on the pulse of the market is crucial for successful trading, and this platform understands this well. The platform equips you with powerful tools to monitor market trends and make informed decisions. With access to a wide range of charts and indicators, investors can perform in-depth analysis, and spot potential opportunities for profitable trades.

Furthermore, ZuluTrade recognizes the significance of risk management in trading. The platform goes beyond the basics, offering advanced risk management tools that empower individuals to optimize their strategies. These tools assist in managing leverage, setting stop-loss orders and implementing other risk mitigation measures, ensuring that people can make calculated trading decisions.

Final Thoughts

Very few copy trading platforms come close to offering the high profile features that ZuluTrade has to offer. This is why a lot of forex trading enthusiasts have made this platform their go-to option for their short- and long-term copy trading needs.

ALSO READ: Forex Trading Down Under – What You Need to Know

The post ZuluTrade Review – Should you Use this Copy Trading Platform for Forex Trading? appeared first on Australian Times News.

Benefits of tax optimization with a second citizenship

People tired of paying high corporate taxes may have heard that a second passport can help legally reduce the tax burden. This tool, in particular, is considered by international entrepreneurs with high incomes who want to control their assets more effectively in the context of tax planning and diversify the relevant risks.

If you are one of these people, there is good and bad news for you. First, using citizenship by investment to reduce fees legally can be pretty effective. Some wealthy individuals are already using this optimization tool for fiscal planning, and immigration consultants are helping others who want to do the same.

The bad news is that it’s not as easy as it sounds. But, on the other hand, making a personal document in a low-tax jurisdiction is a perfectly legal way to become a citizen of tax-free countries, or at least pay slightly fewer fees in general. Still, you will need to do a lot of work and carefully plan everything to make such a strategy come true and be successful.

Initially, it is necessary to understand that a foreigner abroad can have two statuses – immigration resident and tax resident. Their peculiarities are:

Immigration residency status gives the advantage of legally residing in the country. In other words, it is obtaining a residence permit based on business, employment, and real estate purchase as a financially independent foreigner.

Tax residency status – it determines in which country you will pay taxes.

Having a residence permit in one of the EU countries with no taxes does not automatically make you a tax resident. However, a long stay abroad may define you as a taxpayer.

Top 5 EU low-tax countries

Due to low taxation, Montenegro, Andorra, the Czech Republic, and Georgia do not provide bad conditions. However, we recommend looking closely at the top five in the list below.

Cyprus

In Cyprus, you can get the coveted status under the “60 Days Rule”, which stipulates that a person stays in Cyprus for at least 60 days per year and is doing business or is employed in a Cyprus company.

Malta

It’s hard to turn down such an exciting island republic as Malta. It is the central area of Valletta with its luxurious streets and St. Julian’s with its entertainment and nightlife. And most importantly, living on the island is a real opportunity to avoid such fiscal charges as inheritance tax, income received from another power, wealth, as well as dividends. 

The conditions are pretty simple: to apply for citizenship, you must first apply for an e-residence card for a year. Then pass the documented data about yourself to the embassy and buy or rent real estate. The main document will be ready within four months.

Ireland

Duties in Ireland are traditionally low, so the country forms a favorable regime for investment activities.

As in other jurisdictions, income tax in Ireland is a basic payment for legal entities. In addition, the state is actively involved in signing numerous international treaties to avoid a double burden.

Bulgaria

Bulgaria attracts investors and entrepreneurs with its transparent and simple taxation system and lack of pressure from the government. Here is the lowest income tax rate in the European Union – 10%. In addition, capital gains are included in the taxable base.

Income tax is levied on tax residents and local citizens at a rate of 10%. However, non-residents pay it only on income received within the state and residents – on all. The amount of the transport fee depends on what kind of car is purchased, new, or used – the older the vehicle, the higher the payment amount.

Latvia

The income tax levy is only 15%. However, the income tax is 23 %. On the positive side, there is no income tax to be paid in Latvia for: dividend income; income from the sale of securities and royalties.

So, if your business is based on selling stocks, bonds, or royalties, you can count on zero percent. The cultural European capital is attractive not only as a tourist destination, but also as a backup plan for your family, which guarantees peace and tranquility.

Conclusion

Thus, the above low tax rate countries are attractive to foreigners, not only with the climate and standard of living but also the low fiscal burden. Bulgaria stands out against the general background, where you always know what to expect, there is a minimum fixed rate. Cyprus and Malta are not far behind. Georgia and Andorra. As noted by an expert on the investment program of St. Lucia Zlata Erlich (company Immigrant Invest), in the territory, a person needs to live for several months or about a year to become a full-fledged taxpayer. Which area to choose for capital investment and business development? The income shouldn’t be taxed; countries in Europe with low taxes or without them are a priority.

ALSO READ: The Pandora Papers show the line between tax avoidance and tax evasion has become so blurred we need to act against both

The post TOP 5 European Union Low Tax Countries appeared first on Australian Times News.

Studying abroad is known to be an expensive affair, given the high student accommodation costs, transportation, and daily expenses. Lucky for students, Australia is rife with on-campus job opportunities for students enrolled in an Australian university.

Here is a list of on-campus job opportunities that students can enroll in while studying at an Australian university –

Teaching Assistant

A teaching assistant works and coordinates directly with a teacher or a professor to help plan assignments, lesson plans, tests, and presentations for students studying a specific subject. A teaching assistant also allows students with administrative tasks related to the class or the lecture.

Only Graduate/Postgraduate students can apply to be Teaching Assistants as it ensures the credibility of students. You can also choose a specific subject of interest as a teaching assistant, so you can learn as you earn!

The average salary of a teaching assistant in Australia is $23/hour.

Research Assistant

A research assistant supports research projects in the university by conducting data analysis, management, file maintenance, and contributing to a research summary and literature reviews. As a research assistant, you need to have previous experience in the topic you are contributing to and preferably a degree in the subject concerned. You can also get a chance to convert your research assistant job to a full-time position if you wish to further your research. For this, you need administrative skills and good time management ability.

The average salary of a research assistant in Australia is $40/hour.

Server

Australian university campuses have cafes, restaurants, and food halls for students who live on campus and even for those who live off campus. As a student, you can work as a barista in a cafe and make and serve coffee to your fellow students and customers, and you can also work part-time as a server or a waitperson at a restaurant. This will also allow you to network with your peers and meet new people while earning some income on the side. You can work a flexible shift and complete your assignments and homework during downtime and in less rush.

The average salary of a server in Australia is $29/per hour.

 IT Assistant

Do you know about the hardware and software of a computer? Are you good at troubleshooting and fixing bugs? Then the IT assistant job is for you! As a student IT assistant, you can work with the IT team at your college or in your department to help fix any computer-related problems in classrooms or personal laptops. You can be available on call during your working hours to help resolve any technical issues.

The average salary of a Student IT Assistant in Australia is $54/hour.

Library Assistant

As a library assistant, you can work with your university library to help students find books of their choice, give references for any books they need, and ensure the overall management of the library. One part of your main job would entail updating the library records, ensuring that there are timely book returns and that the library resources are not misused. You would need to have a basic knowledge of ICT and library management software.

The average salary of a library assistant in Australia is $32/hour.

Fitness Trainer

Have you ever wondered how you would feel about staying in shape and helping others while getting compensated? The job is called fitness trainer, and there are ample on-campus opportunities for students in Australia. You can work as a fitness trainer at your university’s gym or fitness center.  

The primary responsibilities include helping other students with the right exercises based on their personal goals, creating a diet chart with the help of a nutritionist, and daily operation of the fitness centers.

The average salary of a library assistant in Australia is $40/hour.

Conclusion

We hope this article helps you to identify on-campus job opportunities for students in Australia.

If you have any questions or suggestions, feel free to contact us in the comment section.

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, with great choices for student accommodation in Melbourne and student accommodation in Sydney. 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: Investing for Beginners – How to Start Accumulating Wealth

The post Studying in Australia? Find On-Campus Job Opportunities for Students appeared first on Australian Times News.

How exactly do you market to those customers? You can’t really use the same marketing scheme that you use at home, right? However, the marketing scheme you already have will be pretty close to working internationally. 

You just need to know what you are doing and how it can be manipulated to work overseas. With this in mind, here are a few ways you can update your marketing plan and create a business that works anywhere: 

Keep The Channels in your Market Ticking

One of the most important things to do when marketing abroad is to keep your marketing channels ticking over. No matter whether you are utilising b2c or b2b marketing channels, many of them are already going to transcend borders. This means that they’re ready to draw any international clients in. Therefore the use of social media is going to be particularly important. Try to steadily de-localise some of your posts, and you will find that more customers will be drawn in as a result.

Find Out How Target Customers Differ

There’s no doubt about it, your target customers in the UK are going to be slightly different to your target customers in Australia, even if they’re the same in their needs. Every market is different, whether it’s in the language or the culture itself, so conduct precise research and familiarize yourself with the location that you are targeting.

Translate Your Assets Properly

It might sound like an obvious point, but if you’re targeting an audience who cannot understand what you are selling, your marketing schemes are not exactly going to work very well. You need to find out everything there is to know about website translation, as well as content, price lists and catalogue translation, and you need to carry it out efficiently. That is to say, you need to ensure there are no mistakes. Seeing just one mistake is likely to put a customer off and make them think this product is not really for them. Therefore efforts need to be made to ensure adequate attempt to translate their own language.

Be Aware Of Legal And Government Policies

Doing business in another country means you will have to follow that country’s laws and policies. This is not a problem, so long as you research their market policies and ensure your company is complying with all the regulations. If you do not, then you might find that your marketing strategies are stifled before you’ve even begun to feel the effects.

Elevate Your Business’ Customer Service

One other thing to be aware of is your customer service. Your customer service might already seem to be on track and it very well might be. But it is likely to be tested further once you have international market interest in your business. You need to ensure your employees are ready to deliver a good experience. Furthermore your website needs to be adapted to deal with likely customer queries from abroad. This is another means of marketing that will not only keep all your customers happy. Also ensure that your new international customers are comfortable with returning and use your services regularly.

ALSO READ: Investing for Beginners – How to Start Accumulating Wealth

The post Branching Out: How To Market To Customers Abroad appeared first on Australian Times News.

Travelling abroad can be an exciting and enriching experience, but ensuring your foreign currency transactions are safe and secure is important. With the rise of fraud, scams, and theft, it’s essential to be vigilant and take precautions when transacting with foreign currency. Whether you’re using a credit card, exchanging cash, or accessing your bank account, there are several ways to protect yourself and your finances while abroad. 

This article discusses 10 ways to stay safe and secure with foreign currency transactions and when trading forex abroad. By following these tips, you can help prevent fraud and theft and enjoy your travels with peace of mind.

Inform your bank of the countries you’ll be visiting

Keep your bank in the loop when jet-setting off to explore the world! Informing them of the countries you will be visiting, and the dates of your travel before making any foreign currency transactions is a great way to stay safe and secure while abroad. Not only does this send out an alert to your bank regarding any suspicious activity during your trip, but you can also rest easy knowing that taking this step acts as a backup plan if you ever need financial assistance. Your bank can also advise on the best ways to transact securely in the country.

Avoid carrying large amounts of cash

Travelling abroad and handling foreign currency transactions can be both a great adventure and a great source of anxiety. One way to significantly reduce the risk of theft is to avoid carrying large amounts of cash, as this makes you a target for criminals and reduces your control over the money you have. Instead, use ATMs to withdraw cash when needed, and don’t forget to bring a money belt for extra security. Also, be careful not to display too much cash in public or draw attention to valuable items, as this could increase the chances of having them stolen in an undesirable incident! 

Use a credit card or debit card for transactions

When planning an international trip, it’s important to consider how you plan to pay when abroad. Credit cards are a great option for safe and secure currency transactions, especially over debit cards. After all, you don’t want to be stuck with bags of cash in unfamiliar territory! Using a credit card often offers more fraud protection than debit cards and better exchange rates than cash machines or currency exchanges, and the credit card company itself may even insure your transactions. So, if possible, whip out your best plastic companion instead of replacing your wallet with a load of green bills – after all, there’s no need to use cash diamonds when you’ve got jewels!

Be wary of using public Wi-Fi networks

Public Wi-Fi networks are not secure, and your personal information can be compromised. Therefore, avoid using public Wi-Fi networks when accessing your bank account or making transactions. Instead, use a secure Wi-Fi network, or turn off the Wi-Fi and use your cellular data.

Research exchange rates

Before exchanging currency, research the current exchange rates to avoid getting scammed. Be cautious of street vendors who claim to offer “better” exchange rates than banks or official currency exchange offices. Additionally, be aware of the exchange fees and commissions charged by exchange offices, as these can vary widely.

Keep receipts and records

Travellers looking to stay safe and secure with foreign currency transactions abroad should keep all receipts and records. Not only is this a practical way of keeping track of your expenditure while travelling, but it may also be very beneficial. By comparing your statements with receipts and records, you’ll have peace of mind knowing if any unauthorised charges or errors have occurred. Additionally, it pays to save all your ticket stubs and/or emails as proof of purchase, which could come in handy when filing for tax or reimbursement credits down the road. So take a minute to record what you’ve got while you still can – it might save you time (and money!) in the long run!

Use reputable currency exchange services

Travelling abroad can be an exciting experience! However, one thing you should always remember to keep in mind is ensuring your foreign currency transactions stay safe and secure. A great way to do this is to use reputable currency exchange services; for instance, licensed exchange offices, banks, or online platforms such as Oanda. Rather than exchanging at airports or tourist destinations, which tend to offer very unfavourable rates, using these services helps you ensure you get the best rate possible. Additionally, knowing all fees and charges associated with the exchange is important before submitting your funds. Another fail-proof strategy is always counting your money before leaving the exchange office – by doing so, you can be sure you haven’t been shortchanged!

Be aware of scams

Be cautious of scams such as overcharging, shortchanging, or giving counterfeit currency. Always count your money before leaving a currency exchange office or making a transaction. Additionally, be aware of scams that involve strangers asking for your help or offering to exchange currency.

Check your bank statements regularly

Regularly checking your bank statements abroad is the key to keeping yourself safe and secure with foreign currency transactions. It’s like having an X-ray view of your spending habits; it pays to stay on top of them! You’ll be able to detect any strange activity, errors, or discrepancies in no time, which you can swiftly report to your bank – be sure to never miss a beat when taking care of your finances when travelling!

Use a VPN

A virtual private network (VPN) can help protect your personal information and avoid fraud. A VPN encrypts your internet connection, which makes it more difficult for hackers to access your personal information. Furthermore, a VPN can help you bypass restrictions and access websites that may be blocked in certain countries.

ALSO READ: 7 Challenges Technology Should Lookout for this 2023

The post 10 Tips to Securing your Foreign Currency Transactions appeared first on Australian Times News.

Luke Lazarus: The Story So Far

Whilst in Australia, Luke splits his time between Sydney and two of his favorite locations – Shoal Bay and Newcastle. With Lazarus venues and businesses up and down the East coast of New South Wales, there is a lot of time on the road for Luke. Indeed, he and his father Andrew recently sold an iconic property right in the heart of Newcastle’s iconic beachside suburb, Merewether.

Originally purchased in November 2019 for just $24 million, Pubtic reports that the family recently sold The Beach Hotel in Newcastle for over $40 million. Luke Lazarus was able to achieve an approved DA on the venue that no previous owner was able to secure. In doing so the value of the property increased significant and the Lazarus’ were able to lock in a tidy profit in just two years.

Even though the onset of the COVID-19 pandemic certainly slowed down the original plans for the upgrade of the property, Luke Lazarus was able to persevere. As the world started to recover (or at least, as people started to embrace this “new normal”), development application plans were revisited. 

Admittedly, Luke has noted that the market had peaked at the time of the sale and that there were a number of aggressive, interested buyers. With interest rate increases looming on the horizon, a number of astute publicans decided to cash out of the market and capitalize on the tight yields that pubs were trading for at the time. 

Andrew and Luke Lazarus Sell El Toro Motor Inn for circa $70 million

One of the more notable purchases was that of Warwick Farm’s El Toro Motor Inn. The venue was purchased from the Lantern Hotel Group for $24 million through Jones Lang LaSalle. 8 years later Andrew and Luke Lazarus have sold El Toro Motor Inn for circa $70 million. The purchase of the sale was a controversial one, with shareholders in the ASX listed Lantern Group not happy with the sale. The property was seen as a jewel in the crown of the Lantern Group portfolio and shareholders were in dismay over its sale.  Investors would go on to boycott Lantern Groups stock by selling significant numbers of shares and some time later it would result in the entire group being dissolved. 

All of this is to say that up until now, the real estate legacy in particular left behind by Andrew and Luke Lazarus has been nothing short of impressive. When you consider what Luke has been able to accomplish at such a young age, it’s truly exciting to think about what the next few years (and beyond) will hold for him. 

What does Luke Lazarus see in store for 2023?

Whilst he has been bullish for the last couple of years with historically low interest rates, Lazarus is now a fully fledged market bear. He particularly thinks that 2023 could be an exceedingly difficult year for the commercial real estate market. Luke expects commercial (and pub) yields to expand and along with it, commercial valuations to fall. Lazarus notes that the diminishing premium that investors are receiving over the ten year bank bill rate means that commercial real estate is no longer as enticing. In fact, valuations are simply too high. 

The other key risk that Luke sees to the Sydney pub market is Premiere Dominic Perrottet’s wat on poker machines in NSW pubs and clubs. Premiere Dominic Perottet has made gaming reform a key battleground topic in the upcoming NSW election. Mr Perottet wants to see a cashless gaming system implemented into the market to curve alleged money laundering. For publicans in the industry, this will be a key hit to earnings and with it a fall in pub prices. For Lazarus and the pub industry, only time will tell. 

Where does Luke Lazarus Live? 

It is currently not known exactly where in Sydney Luke lives however The Lazarus family home in Vaucluse was sold in 2018 to Hipages co-founder for $8m in an off market transaction. 

When Luke Lazarus isn’t hard at work, he spends half of the year in Greece – enjoying the sights, the sounds, and the local culture with his cherished family members.

ALSO READ: Payments infrastructure: What is it? How does it work?

The post Luke Lazarus: More About Him and Where He Is Now appeared first on Australian Times News.

They are systems that facilitate the secure transfer of money between two or more parties. This can include traditional credit/debit card payments, online payment gateways, mobile banking, or even cryptocurrency transactions. Payment infrastructure providers take great care to ensure security, accuracy, and convenience. In the past decade, payment infrastructures have been further improved through the introduction of emerging technologies such as blockchain, artificial intelligence, and contactless payments.

With these advancements, payment infrastructures have become even more reliable and efficient, allowing for faster payments with fewer risks.

What is a payment infrastructure?

Payment infrastructure refers to the systems, technologies, and processes that enable customers to make purchases and payments. It includes the hardware, software, and networked systems used to process payments, including point-of-sale terminals, payment gateways, merchant accounts, and payment processors. Payment infrastructure also includes programs and initiatives related to improving the safety and security of transactions, such as chip-and-pin cards and biometric authentication. Payment infrastructure plays an important role in increasing the ease of payment, allowing businesses to accept payments quickly, securely, and reliably.

Payment infrastructure can involve financial institutions and governments, as well as software and technology companies that specialize in this area. For example, payment networks such as Visa or Mastercard can provide a payment infrastructure to merchants, allowing them to offer their customers a variety of payment options and improved security. Payment infrastructure also includes payment solutions such as e-wallets, mobile wallets, and digital payment systems, which are becoming increasingly popular in the digital age.

How do payment infrastructures work?

Payment infrastructures are systems that allow online transactions to take place from one party to another. This could involve the transfer of money, goods, or services. Generally, payment infrastructures involve four primary components: a payment processor, an acquirer, a merchant, and a customer.

The payment processor is the intermediary responsible for securely sending and receiving payment data between parties. They are responsible for verifying that the payment is valid and ensuring it reaches the right destination.

The acquirer is the bank or financial institution that receives and clears payments made by customers. They are responsible for ensuring all necessary regulatory requirements are met and will typically assess a fee for providing their services.

The merchant is the individual or business sending or receiving the payment. They will generally be the party initiating the payment, and will typically pay a fee for using the payment infrastructure.

The customer is the individual or business making the payment. They can provide the required payment information, such as a credit card number, to make the payment. The customer may also determine the payment method, such as debit or credit, before proceeding with the transaction.

Once all the components are in place, payments can be securely processed and transferred online. The payment infrastructure will ensure the payment is completed safely, following any regulatory requirements, and the transaction is completed with minimal risk.

Payment infrastructures are essential in the modern world, providing a reliable and secure method for people and businesses to transact. In order to implement payment infrastructure systems in their pipelines, businesses should look for payment infrastructure providers such as Openpayd.

ALSO READ: Making the most of and navigating your way around e-wallet payments

The post Payments infrastructure: What is it? How does it work? appeared first on Australian Times News.

Finance is an umbrella term covering various money matters aspects. Numerous educational institutions teach students finance and financial literacy to give them the tools they need to manage their business and personal finances. If you are pursuing a degree in finance and need help with your coursework, consider hiring a cheap writer to write essay online for a thorough, well-written paper.

For students that don’t have a great interest in finance, you can still gain knowledge on financial management straight from the horse’s mouth. Authors of financial books are experts and can help novices understand financial concepts. Here are six of the best finance books to help college students learn the ins and outs.

But if you are interested in one of the books, it may also be useful for you to read domyessay review to have more time for reading!

Your Money or Your Life

This finance roadmap by Vicki Robin and Joe Domingues is top on the list as a personal finance book for students in college, and this has been the case for over 20 years. In Your Money or Your Life, you’ll get an insight into nine detailed steps on how young adults such as yourself can achieve long-lasting financial independence.

From this book, you learn how to avoid getting into debt and incorporate healthy financial habits into your life without abiding by a stringent budget. Consider borrowing a few concepts from this excellent book when writing your next finance-related assignment with the essay writer’s help.

Your Money or Your Life takes an ecological path to personal finance. It focuses on how great financial habits help to reduce waste and protect the environment.

The Total Money Makeover

The Total Money Makeover by Dave Ramsey is another finance gem. In this book, Ramsey gives various tips to get out of debt while avoiding the black hole of cash advances. The book also offers suggestions for building a solid budget that can eventually lead to sustainable financial success.

Considered one of the best personal finance books for years, it assists college students in understanding how to partake in sound financial choices and begin paying off their student loans as soon as they can. Settling these loans allows you to reach your financial goals without the burden of large amounts of debt weighing you down.

If you are still in college, you could benefit from the budgeting tips as you navigate college life and delegate your papers to the best essay writers online.

I Will Teach You to Be Rich

Written by Ramit Sethi, this finance masterpiece is an excellent pick for college students. It offers valuable real-world advice on different topics. You could even get supplying scripts that you could use to get out of making late payments.

In the book’s later chapters, Sethi introduces tips for easy investing without paying the hefty financial advisor fee. Lastly, the book covers the best approaches for making life-altering purchases, such as buying a home.

This book will be a great reference if you have an assignment on investing in real estate. Working with a professional essay writer will ensure you present your points clearly.

You Only Live Once

In this book, author Jason Vitug helps students learn how proper financial management is the foundation of overall well-being and great health. This book encourages young adults to set feasible long-term and short-term goals. Also, they are given a roadmap to achieve these goals, which you could come up with as a cheap essay writer works on your assignments.

It is another personal finance book covering priority spending, budgeting, how to make the most of your money, and taking control of your finances. As a college student, these concepts can play a crucial role in helping you pay off your student debts and forge a loan-free future.

The Millionaire Next Door

Written by Thomas Stanley and William Danko, it details seven characteristics that those who’ve managed to build accumulated wealth have in common.

Many people assume being wealthy means living in a humongous penthouse or mansion. However, most financially successful people and investors lead everyday lives. The Millionaire Next Door offers tips on how college students and other young people can start their wealth-building process earlier in life.

Your Money Life: Your 20s

Last on this list is Peter Dunn’s Your Money Life, one of the best finance reads for young people. The book offers tips on repaying student loans, budgeting effectively, and avoiding unnecessary loans. Your Money Life even provides advice on what percentage of your budget should be put into groceries, housing, bills, etc.

If you are overwhelmed with an almost-due assignment, let an essay writer help you and relax with this book.

Conclusion

Financial literacy is a critical skill. You should seek out such information to the best of your ability to position yourself well financially. These six books are excellent for every college student, and you can read any of them and let a professional essay writer work on your assignments.

ALSO READ: Our expert guide to creating a financial plan

The post 6 Finance Books Essay Writer Phil Collins Recommends College Students appeared first on Australian Times News.

Especially when you’re a student entrepreneur who is likely to be quite vulnerable to a lot of hidden challenges, there is a lot to learn and many mistakes to make for young business owners. Pay attention to these six pitfalls to avoid flailing your business and flourish as a student entrepreneur. 

Not knowing your target audience

The first thing you have to do is define and find your target audience. These are your potential customers that are likely to use your product or services at least once. For instance, for essay writing services, it is crucial to understand who is looking for an “essay writing service online” and will buy an essay online at $11/page and market its services to them. But to do so, you need to know your customers.

That means not just having an idea of your target audience but knowing their behavioural patterns. It is proven that a mere theory about a customer’s demographic cannot reflect how your business will perform. You might think that cute stationery has to be marketed to adolescent girls, but the reality is quite different. So, spend quality time learning about your real customers.  

Ignoring drafting a business plan

It often happens that great ideas are not executed well due to being based on pure enthusiasm. And while being excited and confident in your venture is a great start, you need to look two steps ahead to not let your business sink. That’s where a well-drafted business plan comes into the picture.

It allows you to understand your business goals clearly and develop realistic ways to achieve them. Drafting one is a tedious task with a lot of pre-mediation, but your business must be successful in the long run. Keep in mind that a good business plan should go as follows:

• Start with an executive summary. It should include brief information about the product or service, your mission, and an elaborate financial growth plan.
• Continue with a description of your company, your business goals, products, and/or services.
• Elaborate on your marketing strategy and business financial analysis
• Close up with financial projection and include any additional info in the appendix.

Neglecting cash flow management

Another crucial task that often gets overlooked by young entrepreneurs is cash flow management. It is vital to control your invoices closely and be on top of every financial operation. Just as you are looking for “write my college essay for me” to pick the best one, you would have to watch over every invoice. Otherwise, you risk failing to get any profit.

To do this, you need to develop an efficient budgeting system. Consider asking for a down payment or faster invoice payments to improve cash flow. Do not risk asking for full payment in advance without establishing yourself as a business. But make sure you do not get late invoices.

Hiring professionals

Even though it is possible to run your business on your own, it is quite difficult to do so. If you have a venture related to essay writing, you will benefit greatly from hiring professionals to complete more orders. Essay writing would not be easy to come by, though. And that’s where you get into a struggle hiring the best people or your team.

Being a student entrepreneur, you may be limited in what you can give to your future employees in terms of social security and high salaries. However, you can always scout among talented youth like yourself to find someone at the beginning of their career. Remember, the key is being honest about one’s prospects in the company and opportunities.

Poor time management

As well as with your college assignment, the inability to use your time wisely could be your doom. It is important to understand how much time each task and process takes. If you know that you’re not likely to meet all the deadlines at once, it’s best if you pay for essay to focus on more important papers. The same logic applies here.

You have to understand where you can take a shortcut and what task will require all your attention and time. Time is a currency in itself. So use it wisely and to your business’s advantage. Always have a planner with the most important tasks to complete and goals to achieve. There are tons of tools to help you out. All you have to do is look for them.   

That’s about it. Know your customers’ behavioral patterns, do not neglect to develop a business plan and cash-flow management, come up with a strategy to hire the best team, and work on your time management. Look out for these six pitfalls and become the next entrepreneurial sensation in no time.

ALSO READ: Studying in Australia? Find Easy On-Campus Job Opportunities for Students

The post 5 Student Business Pitfalls You Should Watch Out appeared first on Australian Times News.

If you’re struggling to attract candidates or finding out they’re dropping out in the middle of the recruitment pipeline, don’t overlook these strategies for finding that next great legal professional.

Publicise Your Job Opening to Attract the Right Talent

If you don’t have first- or second-hand knowledge about any suitable candidates, you might be tempted to think there’s no chance of succeeding. Nothing could be further from the truth. The perfect candidate for your law firm is out there somewhere. If you wait too long to promote your job opening, you’ll do yourself a disservice. Ask your existing employees for help; they can advertise your business to friends and family so that you get free publicity. If you’re targeting graduates of a particular law school, promote through its channels. Students are interested in law firms that embrace innovative technologies, so emphasise your modern approach.

Better yet, hand over the recruitment process to an expert. Growing to the point of needing to expand is an accomplishment, but bringing new people on board is a tad complicated. To make sure you don’t screw up one of the most important decisions, use a legal recruitment agency which can find qualified legal staff at all levels. The legal recruiter will match candidates with the open position at your law firm – solicitor, legal executive, paralegal, support staff, etc. Legal Recruitment Agency UK is an option worth considering, specialising in introducing the strongest talent to clients. If you want to find out more, please visit https://www.legalrecruitmentagencyuk.co.uk/.

Speed Up the Hiring Process

As mentioned earlier, highly sought-after candidates have lots of options to choose from. Salary, benefits, and career prospects play a key role in the decision-making process, but the deciding factor is often speed. A long interview process gives top picks time to reach out to competing law firms, which is why you need to try to seal the deal as soon as possible. Of course, you don’t want to compromise on quality hiring decisions, so create a candidate evaluation process. A good recruitment agency will help you find out what motivates candidates and give them all the information they need to make a decision.

Make it easy for interviewees to share feedback, although it might seem counterintuitive. Knowing why candidates drop out in the midst of the recruitment pipeline is the only way to improve the process and keep them engaged. More than half of job candidates have a poor experience, so give them the opportunity to share their grievances, especially if they feel like they’ve been taken seriously. The length of the interview process is only one issue. You might have been doing other things unintentionally that are driving top talent away, and who better than candidates to uncover the issues you need to address?

Don’t Be Reluctant to Discuss a Clear Career Path

At present, candidates want to build successful law careers. In other words, their first working years must result in recognition and advancement; the last thing they want is to be stuck in a depressing dead-end role. If you want to win over top talent, show prospective employees what the future might look like. This doesn’t mean having a discussion about job titles but about the types of cases future legal professionals can expect to be involved in or what opportunities there are for mentoring trainees. Career progression is of the essence in the workplace journey. If the conversation begins after the offer stage, it’s too late to address concerns.

Leading law firms understand just how important it is to encourage professional development. Top talent will work for a firm that will help them acquire the necessary skills and knowledge to advance their careers, so do your best to support career growth. By understanding their long-term aspirations, you can better shape your actions. Maybe prospective employees want a mentor or a role model in their careers to help them make the right decisions and overcome challenges. Your most experienced legal professionals should pass on guidance, experience, and advice, while working in a one-on-one or group setting. Consider establishing a formal training program for partners who want to participate as a mentor.  

Be Prepared to Move On

Finally, yet importantly, you must be prepared to move on because It’s impossible to succeed with every undertaking. Even if you give the candidate a view inside the company and demonstrate a positive career path, they’ll take another offer. They’ve had a change of heart and decided they’re no longer interested. Frustrating as it may be when a job candidate declines your offer, act gracefully to avoid receiving a bad review. After all, you must run a reputable business. Even if the person has refused to join your team, maintain the relationship as they might share their experience with their peers or refer a friend.  

If the job candidate doesn’t offer you a reason for declining the job, ask for one. With this information, you can successfully attract top talent in the future, so make sure it’s on the record. If you’re losing too many good candidates to the competition, the benefits may be more attractive, so do a competitive analysis and identify the key differences between you and them. When you partner with experts from a recruitment agency, you can improve your candidate experience. They’ll help you day in and day out. Of course, you don’t have to modify your practices all at once.

To sum up, finding the right person to hire can be frustrating. It won’t become any easier if you rely on outdated methods.

ALSO READ: Discover the Importance of a Partnership Agreement With Lawyer Rex Afrasiabi

The post How To Find the Right Candidates for Your Law Firm appeared first on Australian Times News.

One of the best ways to start investing is to set up a regular investment plan, where you automatically invest a fixed amount of money each month. This is a great way to get started because it takes the emotion out of investing and ensures that you’re investing regularly.

When to start investing

The best time to start investing is now. The earlier you start, the more time your money has to grow. Even if you can only invest a small amount of money, it’s still worth starting now.

There are a few things to remember when deciding when to start investing. First, you want to ensure you have a solid financial foundation, as per the Prillionaires website. This means you should have no high-interest debt, and you should have an emergency fund in place. Once you have these things taken care of, you can start thinking about investing.

Another thing to consider is your goals. What do you want to achieve with your investments? Do you want to retire early? Save for a child’s education? Build up a nest egg? Once you know your goals, you can start to develop a plan for how to achieve them.

How to start investing

Investing can be a great way to build wealth over time, but it can be confusing and overwhelming for beginners. If you’re considering investing, here are some things you should know.

First, you need to understand what investing is and how it works. Investing is when you use the money to purchase assets to make more money in the future. These assets can be stocks, bonds, mutual funds, real estate, or other investments.

The goal of investing is to grow your money over time. This is done by earning a return on investment, the money you make from the asset you purchase. For example, if you buy a stock for $100 and it goes up to $110, you’ve earned a 10% return on your investment.

Investing can be a great way to reach your financial goals, but it’s important to understand the risks involved. Investing is risky, and you can lose money if the value of your investment goes down.

Before you start investing, it’s important to research and understand the different types of investments. You should also set realistic financial goals and have a plan for how much you’re willing to pay.

Risks and rewards of investing

There are risks and rewards to investing. The key is to understand both before making any decisions.

The risks of investing include the loss of capital, not achieving the expected return, and volatility. The rewards of investing include earning a higher return than other investments, such as savings accounts, and the potential to grow your wealth over time.

It is important to diversify your investments to manage the risks of investing. This means investing in various asset classes, such as shares, property, and bonds. Diversification reduces the overall risk of your investment portfolio.

When it comes to the rewards of investing, the key is to be patient. It can take time for your investments to grow, but if you are patient and invest for the long term, you may be rewarded with a healthy return on your investment.

Conclusion

There are many ways to start accumulating wealth, but knowing where to start cannot be easy. However, by following some simple steps and investing in a diversified mix of assets, you can begin building your wealth over time.

The most important thing to remember is to start early and to invest regularly. By doing so, you will take advantage of the power of compounding and be well on your way to creating a bright financial future for yourself.

ALSO READ: Making the most of and navigating your way around e-wallet payments

The post Investing for Beginners – How to Start Accumulating Wealth 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.

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.” 

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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.

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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.

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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!

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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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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.

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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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Maximum comfort or what does bus charter Frankfurt have to do with it?

Your subordinates will definitely appreciate a good level of attitude towards them. And a good level of relationship begins with a feeling of complete comfort and security. Imagine that you are visiting Frankfurt. Isn’t it nice to move around the city in your own transport, for example bus charter Frankfurt especially for your team? Obviously, bus rental Frankfurt has many advantages. Firstly, you move around a rather big city with comfort. Secondly, given the advantage of coach hire Frankfurt, you do not need to spend the company’s money on a taxi for each employee, which could also be a good option to increase comfort. Thirdly, choosing a Frankfurt bus company, for example BCS Travel, you can, for example, create and add an excursion option! This way you will diversify your business trip, increasing the motivation of employees for future trips. Well, as you can see we recommend you to think about the connection of coach hire in Frankfurt, comfort and team’s motivation… It works!

Communication and results 

In order for the team to achieve maximum success in business trips, it is important to let employees know in advance how important the context of communication is. The success of a business trip is also one of the potential reasons for motivating employees for future trips, so you should not neglect this issue.

Before traveling not only to Frankfurt, but to any city in Germany, it is important to familiarize employees with the basics of cultural communication with Germans. For example, with the necessity of punctuality, accuracy, conciseness and language knowledge. The fact that representatives of Germany do not tolerate delays is far from a stereotype! Inform your employees that if they realize that being late is inevitable, it is better to postpone the meeting with representatives of the German company. Otherwise, negotiations are practically predetermined.

Also pay attention to your employees who you are traveling with. If you are going there as an interested party, you need to take the person who knows German. Of course, German organizations often provide their own specialist for translation, but having such a trump card is important for potential success.

Diversify your trip with an unique vacation

Business trips can be boring trips with evenings at the hotel, or they can become a real memorable trip that will unite the team. This circumstance depends entirely on the boss or the head of the trip.

It is recommended to think over a plan of entertainment, excursions and leisure in advance. You can think in advance which museums in Frankfurt or Germany you can visit, which parks, water parks, theaters and galleries you can visit. What significant local events are taking place during your arrival. Also think about master classes from local specialists – psychologists, yogis, coaches. Sometimes all employees need is peace of mind, communication and new knowledge for stable self-development. Be useful to them and create individual offers. It’s all available to you!

***

We think that these basic rules and tips will be useful for novice bosses who want to rally their team and motivate them to do high-quality work. The profession of a boss or manager is a craft that needs to be learned! Good luck to you in this difficult task!

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Skills

If you have a background in sports, you can highlight your athletic skills in a sports management or marketing job description by tailoring your resume. To do this, follow the tips listed below. You can also include bullet points that highlight your specific talents. Once you’ve polished your resume, you can begin listing your skills. The bullet points should be related to the type of job you’re applying for. A sports resume is more than just a resume, though. You can include the details of all your training, experience, and qualifications.

In the experience section, include relevant work experiences, starting with your most recent role and moving backward in time. List the dates you held the position and the employer’s name. In addition, include a brief description of the major responsibilities you performed. List these in two or three bullet points, using active verbs to demonstrate your initiative and skills. For each example, list the success that you achieved and the number that you contributed to the solution.

Education

If you want to pursue a career in sports, you will need a sports resume. The most common format is reverse chronological, which outlines your entire career from college to present. Adding relevant certificates to your resume can help you stand out. You may also want to include an experience section. If you have worked in the same field for years, the reverse chronological format will probably work for you. However, if you are switching industries, a functional resume with bullet points will work best.

While it may seem redundant to list your educational background in a sports resume, employers do care about it. Include examples of training courses or other relevant courses that you have taken. Proofread your document thoroughly to avoid mistakes. In addition to adding relevant details, you need to be as precise as possible. The sports industry emphasizes teamwork, so be sure to highlight your ability to motivate others. You may also want to list any extracurricular activities you’ve done.

References

Your references on a sports resume are essential. Make sure they come from people you have worked with or know well. Ideally, you should include your coach or fellow coach, as well as any past teammates or parents of players. The best references are those who have known you for at least three years. References don’t have to be related, but they should be people who can vouch for your performance. The last thing you want to do is make your references look like they’re talking about you, since your references aren’t likely to be interested in your resume.

Your references should include any professional credentials you might have. Include your certifications or achievements, and mention any hobbies or extracurricular activities you’ve had. These skills and extracurricular activities can directly impact your sports career and increase your overall performance. When you’re writing your sports resume, keep in mind the following tips to make it look professional. You can also use bulleted lists to better communicate your skills and experiences. You’ll also want to include any awards you’ve received.

Career Objective

Your objective, or summary statement, should be centered on your most recent work experience and tailored to the job that you are applying for. In the sports industry, results-driven experience is critical in catching the eye of hiring managers and recruiters. As such, you should include examples that highlight your skills, experience, goals, and transferable skills. 

An effective sports management resume is a reflection of hard work and dedication. You must be confident and understand that success is based on your ability to sell yourself. Ultimately, your resume is a representation of your skills and experience, and knowing what steps to take will set your career on a new trajectory. To make the best resume for sports management, you should focus on three main elements:

The post How to make a Sports Resume? appeared first on Australian Times News.

Over his storied career, he’s advised on deals valued at more than $3 billion, including capital raising, IPOs, divestments, and acquisitions. Most notably, he handled the contentious sale of S. Kidman & Co to a joint venture company when he was managing partner at Ernst & Young in Adelaide.

Having covered both South Australia and the Northern Territory while at EY, he was driven by finding value for all parties. The independent expert reports and valuations he’s prepared for a variety of top-tier clients are in excess of $25 billion and his diligence has earned him the respect of some of the powerful business professionals in the world. 

While based in Australia, Manifold has worked in London and advised on transactions in Papua New Guinea and Croatia. From agriculture, consumer goods and manufacturing to information technology, Manifold has a methodical approach, going into every venture with fresh eyes, avoiding the pitfalls of assumptions while working to logical conclusions. 

Don Manifold is motivated by both finding information and presenting it in ways that the clients can easily absorb. He’s an objective party, and executives trust him to outline the deal, highlight the trouble spots and weigh in on the viability of the transaction. From identifying the target to structuring its financials, he leaves no stone unturned. 

As the head of his own firm, he’s expected to stay on top of every stage of his deals. When it comes to the complex nature of mergers and acquisitions, there are a lot of facets to align. From the size of the workforce to the public perception of the sale, Manifold must weigh the advantages and disadvantages of multiple scenarios. Each recommendation is backed up with hard data, and Manifold is adept at customizing his reports to meet the needs of the client in question. 

His past clients have praised him for his efficiency when working through the most time-consuming steps. He also has a keen interest in discovering win-win solutions wherever possible. Having served in senior leadership roles for more than 15 years, his transaction advisory skills are second to none. After having worked with some of the most successful service firms in the world, he’s learned how to triumph over stumbling blocks of nearly every variety. 

The post Adelaide’s Don Manifold: Working through Challenging Deals appeared first on Australian Times News.

It is important to note that recession can be caused by different factors including high inflation. As a result of this, the central banks globally are increasing interest rates to slow down demand & control high inflation, and many experts have suggested that there is high risk of recession. 

Proper preparation during a recession is among the important strategies to put in place during this critical period.  Here are some important things you should consider.

1. Diversify

Don’t put all your eggs in one basket. Diversification has been in use by many large firms and it has proven effective. In simple terms, diversification is the act of advancing into different varieties of financial entities, areas, industries, asset classes and sectors of the economy. 

The major objective of diversification is gaining financial security. That is, the possibility of all the investments & asset classes resulting in a loss at the same time are low. Among many others, Exchange Traded Funds (ETFs) and Mutual Funds can help aid your diversification process. 

Firstly, an ETF is a fund that uses money from its investors to invest in a basket of securities. This basket would contain a variety of asset classes such as Equity, Fixed income, commodities etc. By doing this everyone who invests in the ETF is diversified and exposed to different asset classes. ETFs trade on the exchanges daily just like normal stocks do and their prices fluctuate according to demand and supply. 

Secondly, Mutual funds invest a huge amount of money gathered from investors in securities like financial assets, stocks, bonds, etc., however mutual funds do not trade on the stock exchange.

Both ETFs and Mutual funds grant you exposure and diversification thus minimizing the risk of you losing all your investments when stock prices decline during a recession. 

2. Short the Market 

A market is said to be shorted when an investor sells out a borrowed security in the open market. The borrowed asset is then repurchased at a lower price at a later time and returned to the lender. The investor makes money based on the level of reduction in the security’s price.

To short the markets, you can consider implementing an inverse ETF or Contract for Difference (CFD). 

Firstly, an inverse ETF gives room for making money while there is a decline in the market. It doesn’t necessarily involve selling the underlying index short. It is also known as Short ETF. There are various ETFs that allow you to short the FTSE100 Index.

Secondly, a CFD is an agreement between a buyer and a seller based on price differences in entry and exit of the market. An example of this is when a buyer speculates on the price variation of gold presently and in the future, rather than buying the asset. 

Unlike inverse ETFs, CFDs are not traded on an exchange hence the risk of counterparty default. But shorting the market using CFDs is risky especially during a recession. CFD contracts on various asset classes are offered for trading at forex brokers. As per this comparison of several forex brokers based on multiple factors, as high as 78% of retail investors lose money when trading CFDs at some of the regulated brokers. He added that the ASIC has done a great job at restricting leverage on CFDs and urged Australian investors not to seek oversea brokers who could grant them dangerously high leverage.

This is well said because CFDs are leveraged instruments where you borrow money from your broker. Using high leverage only increases this risk as some brokers from oversea jurisdictions, allow leverage as high as 1:1000. This means you can open orders 1,000 times the size of the capital you have in your account and this means you can also lose 1,000 times the capital you have invested. 

When you go long your only risk is the price of the asset falling to zero but when you go short you risk the price of the asset rising to the sky. When this happens, you have to scramble to ‘cover your short’ by closing your position and this is a short squeeze scenario. Shorting is best suited for expert traders. If you are not an expert consider investing in Inverse ETFs where the fund managers do the work for you.  

3. Investing in Gold 

Gold is an important asset for individual investors, companies, and nations at large. It is a financial asset held in store by some countries which function during deficits in the balance of payment. It constitutes part of the country’s national reserves.

Since gold is not traded directly by individuals and corporate bodies, recession doesn’t have a huge effect on it. This is why gold is often considered a go-to place for investors when they struggle with investments during an economic recession as indicated by this research.

There are two primary types of gold available for investment, namely; gold ETFs and gold futures. Rather than investing in physical assets, gold ETFs allow investors to speculate on financial assets backed by gold. 

In investments involving Gold ETFs, investors don’t have direct possession of the commodity. With the investment they put in, investors are granted access to owning commodities backed by gold in the stock market. Examples of some Gold ETFs available to Australian investors are:

• ETFs Physical Gold 
• Perth Mint Gold, 
• BetaShares Gold Bullion 
• Van Eck Gold Miners ETF. 

4. Go for dividend-paying Defensive Stocks 

Defensive stocks are yet another investment strategy that you can put in place during a recession. These stocks are not likely to be affected by recessions. 

Most financial problems attributed to losses in investment can be traced down to natural disasters such as diseases, earthquakes, and storms, among others. Recession is another occurrence that slows down the growth and development of different sectors of the economy. However, some sectors always remain unaffected.

Investing in these unaffected sectors like healthcare will keep an investor on edge during the recession. This is why you should consider investing in a defensive stock that pays dividends. In simple terms, buy stock in these sectors or become a shareholder in any company in the industry.

5. Dollar Cost Averaging (DCA)

If you want to minimize the risk of investment during a recession, then consider dollar cost averaging. This is a strategy that helps you reduce the price you put into an investment and alleviate the risk involved. It is termed “dollar cost averaging” since the investor has to invest an equal amount of dollars every month. 

Example if you plan to invest $5,000 in shares of Company A that costs $10 per share, you could afford 500 shares on the spot. However, with the DCA strategy you could buy 50 shares every month for 10 months. 

During a recession, stock prices mostly fall, so there’s a chance by the second month the shares could fall to $8, and maybe $6 in the third month and so forth. 

The idea is when you use DCA, you end up buying more than 500 shares in 10 months since you take advantage of price declines. 

6. Government Bonds 

In simple terms, a government bond is another form of debt sold by the government. The bond yields tend to increase during rising interest rates environment due to an inverse relation between bond prices & interest rates. When the Interest rates are rising, it is a good period to invest part of your investments in bonds if you are considering a defensive portfolio.

How does this work? Interest rates are reduced during recessions while the counterpart – bond prices – increases. With this in mind, if you buy bonds before the start of a recession and keep it, they will be of great use for you later during the recession period, or during the period when Central banks lower their rates again.

With the stored bond, you start to earn a fixed interest aka coupon semi-annually till the bond duration lapses. Bond durations can range from 1 year to a few years, depending on the bond you are investing in. You can also decide to resell the bond before it matures and exit the contract. 

7. Real Estate Investment Trust (REITs)

A REIT is a company that possesses, controls, and funds properties that generate income. It can potentially generate a reasonable overall return which comes with a steady dividend income. It is important to note that REITs cover a wide range of property sectors such as residential and commercial properties 

REITs, especially those with exposure to residential properties, usually do well in a recession as people will always pay rent. This rent constitutes the income that’s shared as dividend to you. REITs make it possible for those who can’t afford to buy a home to benefit from house rents when they invest in REITs.       

Summary

Investment is an integral part of growing your wealth. However, the chance of sustaining it gets truncated during the period of economic decline. But with the effective usage of different strategies, an investor can benefit from the declines on markets.    

The post What’s the best investment strategy during a recession? appeared first on Australian Times News.

This can be a huge relief for students who are already struggling with their workload. In addition, these services can also help improve your grades by ensuring that your paper is well-written and free of errors. So, whether you’re struggling with an essay or a research paper, assignment writing services can help take some of the stress out of your academic life.

Which Essay Writing Service is the best in Australia?

Choosing the right assignment writing service in Australia can be a tough decision. You want to make sure you choose a service that is reliable, affordable and provides high-quality work. To help you make the best decision, here are a few things to keep in mind: 

• Reviews: Check out reviews of different assignment writing services. See what other students have to say about their experience with the service.
• Prices: compare prices between different services. You don’t want to overspend on your assignment, but you also don’t want to go with the cheapest option if it means sacrificing quality.
• Get recommendations: Ask around for recommendations. Talk to your classmates or teachers and see if they have suggestions for a good assignment writing service. By keeping these things in mind, you should be able to find the right service for your needs.

There are a lot of assignment writing services out there, but you cannot trust all of them. Here are three of the best assignment writing services in Australia that you can rely on:

1. Australianwritings.com

Students face many challenges when it comes to essay writing. Some may not have the time, others may not have the knowledge, and others simply don’t know how to start.

This is where Australianwritings.com comes in! Australianwritings.com is one of the best and most legit assignment writing services that provide students with help in writing their essays. Here are some of the features that set the Sydney-based service apart:

• They have a team of professional and experienced writers knowledgeable in a wide range of subjects. This means that they can provide students with help no matter the topic of their essay.
• They offer 24/7 customer support so students can get help whenever needed.
• All its services are paid in Australian dollars meaning that you won’t waste money in conversions.

Most students appreciate Australianwritings.com because of its high-quality work and several free features saving you upto $65.

2. Assignmentgeek.au

Assignmentgeek.com.au is one of the best and most legit essay writing services for Australian students to get essay writing help. The company has been operating for over five years and has helped thousands of students with their essays.

The company is based in Australia and employs native English speakers. This ensures that the essays are of high quality and meet the requirements of the Australian education system.

Another advantage of using Assignmentgeek.com.au is that it offers a money-back guarantee if you are not satisfied with the quality of the essay. This means that you can be sure you will get your money’s worth when using this service.

In addition, the company offers a free revision service if you need any changes to be made to your essay. This means that you can be sure that your essay will be perfect before it is submitted to your professor.

Overall, Assignmentgeek.com.au is a great choice for Australian students who need help with their essays. Since the company offers high-quality essays at an affordable price and provides a money-back guarantee and free revision service, it is without doubt an excellent choice for any student who needs help with their essay.

3. Myassignments-help.com.au

Myassignments-help.com.au has been a boon for Australian students who require essay writing help. The website features reviews of all the top essay writing services in Australia. There are a few things that set this essay writing reviews site on a class of its own;

• The website is very user-friendly, and even a non-specialist can navigate through it without any hassle
• All the essay writing services reviews are genuine and written by actual students who have used the services
• The website is updated regularly, so you can be sure that the information provided is relevant and accurate
• The website also features reviews from newer essay writing services, so you can be sure to find a service that suits your needs

If you are an Australian student who wants to confirm whether an essay writing service is reputable and reliable, then myassignments-help.com.au is the website for you!

Final Thoughts

Hiring an assignment writing service is a major decision, so you really shouldn’t take it lightly. Do your research and ensure that you find a reputable and reliable service that can help you with your essay writing needs.

The post Top 3 Assignment Writing Services for Australian Students appeared first on Australian Times News.

If you’re looking for branded merchandise with low minimum orders and high production quality, head to https://www.pens.com/uk/. They offer factory-direct pricing, a buy now and pay later option, and the ever-valuable flexibility that small businesses need.

What promotional goods should you get?

1. Work items

This includes stuff like branded pens, promotional pencils, mousepads, or laptop bags. These not only help your employees to do their job and keep focused but they’ll be used on a daily basis. If you’re getting a special present, you could even opt for an engraved pen gift.

2. Bags

Almost everyone could use a bag. They might need a custom shopping bag to save them 5p when going to the store, a branded drawstring bag to put their running shoes in after the gym, or a printed cotton bag to carry their reading material in on the train.

Depending on your company or the client/employee you’re buying for, you could even grab a cooler bag. They’re great for food and beverage clients or for an employee that likes to bring a fancy dish to the company picnic.

3. Kitchenware

On the subject of branded cooler bags, kitchen items make fantastic corporate merchandise because everybody has to eat and drink. This may take the form of promotional mugs to be used in the office, but could also be a branded water bottle or custom travel mug to be used when commuting.

The corporate merchandise you shouldn’t buy

As we mentioned above, there are some branded items that don’t represent good value for money. This isn’t just about uber-expensive items that won’t give you a great return on investment, but also the cheaper items that people just won’t use all the time.

Tech

A while ago, many brands would put their logo on things like calculators, USB drives, and in-ear headphones. The trouble is that giving away tech items en-masse without going broke will mean buying lower quality items that break easily. That doesn’t show your business in the best light. Also, with the speed at which technology moves on, the item might also be considered outdated by the time you’re done giving it out. When opting for tech, go for quality.

Clothing

If your employees wear a uniform, then having well-fitted, good-looking branded clothing is great. However, most clients and customers aren’t routinely going to wear a t-shirt or baseball cap with your logo on it. If you’re lucky, those clothes will get worn to the gym once a week, so be certain it fits your branding before spending your full budget on clothes with logos.

The most important thing to keep in mind is that you offer something that people can use but that also fits your business. A gym offering re-usable water bottles, an outdoor brand gifting baseball hats or a real estate agency giving away key chains all make sense. And when your clients or prospects actually use your gift it can greatly impact your visibility and brand awareness.

The post 3 things to include in your swag budget appeared first on Australian Times News.

Rex is a founder of one of the thriving law firms in Australia, MA legal. Best known for his keen knowledge of solving legal complexities, he navigates businesses to success by leveraging powerful growth strategies and planning needs. From a fashion career to travelling the world, and finally starting his own Law Firm, Rex has seen it all. 

With strong legal expertise and years of experience, Rex has nurtured various business relationships and talks about why partnership agreements have to be one of the major decisions in a business.

Decision-makers can make or break your business

Decision making holds paramount importance in any business, according to Rex. While addressing the issues of partnership, he derived several essential points. One of them was making business decisions. Decisions such as how much share each partner will hold in the business, who will be responsible for a particular area, what will happen if one of the partners decides to leave and so on are some of the key decisions that should be made at the onset. An absence of formal agreement on these matters can often lead to conflict and disharmony amongst business partners.

Seek clarity on profits & losses

Rex says clarity on sharing profits and losses is the second thing that will contribute to your business success. Entrepreneurs invest in a business with distinct aims. Partners must agree at the outset on how business profits and losses will be shared between them. This will avoid any misunderstandings or disputes about money further down the line. “Another key issue that should be addressed in a partnership agreement is how profits and losses will be shared amongst the partners. This is particularly important if one partner is putting in more money or time than the other partners,” says Rex.

A non-compete clause can take you a long way

“Starting out together as a team looks exciting until your business partners can turn into your biggest competitors. That’s when being prepared in advance can save you from a lot of hassle”, says Rex.

When a business partnership goes sour, there is always the possibility that one partner will try and poach clients or leverage internal strategies. A non-compete agreement can stop this from happening. “At MA legal, we recommend to our clients that they include a non-compete clause in their partnership agreements. This basically means that they agree not to poach the clients of the other partner,” says Rex. A properly drafted agreement would bind not only the investor participants but also the key individuals associated with those investor participants. 

Valuation framework

Rex explains another possibility of business disputes in absence of partnership agreements is disagreements as to how to value the interests in the business venture. “Without a partnership agreement in place, it becomes very difficult to resolve any disputes, particularly if one partner feels that their interests in the business have been undervalued. This is why it’s important to have everything agreed in advance,” he says.

Driven by his experience to build strong businesses, Rex has been committed to business growth and creating strong partnerships. He says, “A strong agreement is the foundation of success. Every partner should know where they stand, what they can expect from a business and how future events might have an impact on their role.”

Apart from being a visionary and a groundbreaking lawyer, Rex is widely known for his passionate entrepreneurial approaches and ceaseless goals. He is also a co-host of two business advisory shows, Real Estate Renovators and Enterpriser, a lecturer and presenter for lawyers and businesspeople, a professional judge for several national awards, sits on several boards as well as is a founding director of various business pursuits of his own with his own business partners.

The post Discover the Importance of a Partnership Agreement With Lawyer Rex Afrasiabi appeared first on Australian Times News.

• It helps you save for retirement.
• Your employer also pays into it.
• You receive tax back from the government.
• You don’t have to do anything to be part of it.

Start preparing for retirement early

You might think your retirement is a long way off, but the earlier you start saving for it, the more chance you have of being financially secure when you stop working. Starting to see if this is possible gives your investments more opportunity to grow and provide the lifestyle you want in retirement.

Of course, it is easy to put this off, particularly when your retirement seems so far in the future. Also, it can be challenging to understand this type of retirement lifestyle you want and how much that will cost. As always, taking financial advice from a regulated advisor such as Portafina is highly recommended.

The lack of motivation makes it even more crucial that you remain in your workplace pension scheme. All of the administration is taken care of for you, and your contributions are removed at source. Therefore, you have no significant financial planning to take care of.

Your employer’s contributions

As well as the standard percentage you contribute to your pension, your employer also pays into it. Generally, you will pay around 4% of your gross salary straight to your pension fund. Your employer will top this up with at least another 3%.

The amount you sign up for initially is not fixed, and you can order this as your disposable income fluctuates. What this means is that you have control over your pension contributions.

Boosting your workplace pension

Having agreed on how much he will contribute monthly doesn’t stop you from giving your pension a boost now and again. Putting more money in, even small additional amounts, can significantly boost your pension pot over time.

Should you opt-out of your workplace pension scheme?

In short, no. Opting out of your workplace pension scheme is never a good idea. Of course, life can produce some problematic situations whereby someone might not be able to afford their pension contributions. However, you should also always think long and hard before deciding to opt-out of your workplace pension scheme.

Consider your future

As we mentioned above, one of the benefits of a workplace pension scheme is that the administration is done for you. However, this means it is easy to lose track of your pension. 

If you change employers, your contributions to your old workplace pension will cease, and you will join a new scheme. Consequently, you might lose track of the old pension, mainly if you’ve not been contributing to it for too long.

With old workplace pension schemes, you have a couple of options. Firstly, you could leave your money invested as it is. Alternatively, you could transfer it to another pension scheme.

If you choose the second of these options, you should be aware of one thing; not all pension schemes are the same. Some pensions will deliver excellent performance and come with low charges. However, just as many pension plans perform not so well but still charge higher rates. Therefore, if you decide to transfer your funds to another scheme, you should research various pension plans beforehand.

Of course, making such a decision can be challenging. Therefore, you might decide speaking to a regulated financial advisor is worthwhile. They can advise you whether it is best to leave your funds where they are or move them to a better performing or lower charging scheme.

Government regulatory changes

Recent changes in regulations have affected how people can access pension funds. One such change was Pension Freedoms which came about in 2015. The result of this change was that many people can access their pension funds from age 55.

Although this benefit may initially seem appealing, you should consider whether it suits your situation. Taking too much money from your pension pot too early can leave you short of income later.

Conclusion 

Workplace pensions offer you considerable benefits, and they are an excellent means of saving for your retirement years. You should understand these benefits, keep track of your pensions, and remain opted in.

The post Secure your retirement finances through a workplace pension scheme appeared first on Australian Times News.

Whether you have yet to start your forex trading journey, or you’re in the very early stages, you undoubtedly want the best beginner’s experience.

In light of this, we’ve devised the top five forex trading tips for beginners, to ensure you’re fully prepared to achieve as much profit as possible, and greatly minimise your risk, throughout your trading journey.

1. Find the right forex platform

When starting your forex trading journey, the first thing you’ll need to do is find a trading platform. 

This is potentially the most crucial stage of your beginner’s process, as this will be the place where your entire trading journey takes place. Your trading platform has the ability to define your entire trading experience, and must therefore be given the utmost consideration.

The best trading platforms will be easy to manoeuvre and use, for with vital trades taking place, you don’t want the added confusion of a complicated platform. Also, a great platform will offer highly expert guidance, as well as a plethora of professional features to aid in securing profitable returns on your trades.

As a beginner, if you’re able to choose the right trading platform from the get-go, then your whole forex trading journey will have an expertly designed foundation.

2. Know your trading strategies

The most popular method of trading on forex is through the purchasing of contracts for difference (CFDs). This alternative to traditional trading, allows you to buy speculations on price movements, as opposed to the underlying assets themselves.

For example, opening a long (buy) position would mean that as the value of the asset – on forex being currency pairs – rises, you’ll receive a profit. If it were to decrease, you would gain a loss, unless you had opted for a short (sell) position instead, which profits off price falls.

Once you have the basic understanding of trading forex CFDs, you can then branch out your knowledge to useful strategies of trading.

One example being CFD position trading. This strategy involves opening trade positions, currency pairs, and holding them for long periods of time. This can allow traders to capitalise on long-term price movements, and close positions at significantly higher values than they opened with.

As you can see, understanding the main methods of forex trading, as well as certain useful strategies, is an essential tip for all forex beginners.

3. Incorporate leveraged trading

Another great tip for forex trading beginners, is to learning how effectively use leverage trading.

When trading CFDs on forex, you are able to gain large exposure on trades, whilst only depositing a fraction of the capital that would be needed for the full asset value. This is known as leverage trading, and involves a leverage ratio to determine the level of exposure for the initial capital.

For example, with a leverage ratio of 1:20, you can open a position on a currency pair worth up to £20,000, by depositing only £1,000. This means trade profits have the chance to be huge, since your profits are calculated from the £20,000, not the initial capital.

However, be aware that the same is true for your losses. If you should lose on a trade, the losses will be calculated from the £20,000, even when you only deposited £1,000.

By understanding this, you can start making more strategic trades, and learning how to assess the risk and profit potential of each one.

4. Use risk management tools

Risk management tools are also essential for your trading journey as a beginner. 

Losses are always made in trading, regardless of your skill or dedication. However, with risk management tools, you can ensure your losses are reduced as much as possible.

There are a variety of risk management tools available. For instance, you could use automatic orders on your trades. These are automatic settings that close trades when the price movements reach a certain value, even if you’re not there to do it manually.

As an example, if a buy position’s asset value is decreasing, your automatic sell order will close the position once the losses exceed a certain amount. This will prevent you accumulating substantial losses, and you can rest easy being away from your platform, knowing your trades are protected.

5. Refer to technical indicators

Technical indicators provide forex traders with thorough insight into market performance, and asset movements on a continuous basis.

Accurate predictions of price movements are the key to profitable trade returns. Therefore, you need technical indicators to ensure this is achieved, and that your market analysis is yielding clear, detailed outlines of market performance.

For instance, one highly used technical indicator is the simple moving average (SMA). This analyses the average price movement of a particular asset over a select period of time. This will help you identify any present trends in the asset movements, and thus, open more accurate, profitable trade positions.

With the use of various technical indicators, your market analysis will be significantly improved, and therefore, as will your risk minimisation and return on investment (ROI).

The post Top 5 tips for forex trading beginners appeared first on Australian Times News.

Instant international payments

Nowadays, every business focuses on international trade as it allows them to expand their business and maximize profits. For that, they need to make international transactions regularly. The traditional payment system does allow them to make international payments, but it is pretty slow, inconvenient. Moreover, fiat currencies involve massive transaction fees on international payments, which increases the cost of the businesses. If you want to make simple international transactions at minimum cost, bitcoin is an excellent option.

There are several benefits of using bitcoins for making international transactions. First of all, it is accepted worldwide as a common medium of exchange, so there is no need to exchange the currency. Furthermore, bitcoin transactions are almost free of cost, which allows you to make transactions all over the world without paying any extra charges.

Quick and safe transactions

Another primary reason to choose bitcoin over fiat currency is the transaction speed. Bitcoin is an independent cryptocurrency that is based on blockchain technology. The government controls fiat currency, and all the transactions are processed through financial intermediaries, but there is no such thing with bitcoin. There are no third parties involved in bitcoin transactions, which makes them quicker, smoother and convenient. Usually, transactions get approved by the bank, which takes some time and sometimes causes unnecessary delays, but you won’t face any of such issues with bitcoins as it enables instant transactions.

Zero banking fees

Fiat currencies allow you to make transactions through the banks, which is convenient but includes numerous costs and charges. When you make a transaction with fiat currency, you also need to pay the banking fees, which increases the total cost of the transaction. If you want to avoid all the traditional banking fees and make a low-cost transaction at a quick pace, you must use bitcoins. Bitcoin is not controlled by any banks or financial institutions, which removes all kinds of additional charges and fees. You need not pay any deposit or withdrawal fees, overdraft charges or minimum balance fees.

It is highly beneficial, especially for businesses, as it allows them to make maximum transactions at minimum cost and save a massive amount of money. Most businesses focus on minimizing their costs, and bitcoin can help in it to a great extent.

Easy transactions anywhere 

One of the most incredible advantages offered by bitcoin is the convenience to make transactions. There are several online payment methods, but most of them are linked to bank accounts. So, if you use them to make transactions, you will first have to take approval from the baking authority to complete a transaction. It is the major reason that makes bitcoin better as it has no banking institution involved. So, you can use bitcoins to make transactions anytime and anywhere as all you need is a device and an internet connection.

Bitcoin has removed the need to visit any bank to make a transaction as now it is possible from any part of the world through the Internet. Moreover, the best part is that you need not provide any personal or financial details to make a bitcoin transaction. Minimum fees and formalities make transactions highly convenient.

Need not worry about inflation

Inflation is a situation in which the prices of goods and services increase drastically. Mainly it occurs when the government issues excess currency in the market; with more currency in the hand of people, their purchasing power increases, which also increases the demand for goods and services. With an upward trend in demand, the prices of goods and services increase which is termed inflation. Bitcoin is considered to be better than fiat currency as there is no risk of inflation. There is no single authority that controls the supply of bitcoin, which makes it clear that it is impossible for inflation to occur.

The post Top reasons that make Bitcoin a perfect payment method appeared first on Australian Times News.

However, equity release does have its pitfalls, and it’s not the ideal option for all homeowners heading towards or already retired. Luckily, there are surefire signs that equity release is right for you. We’ve got the inside scoop. Besides, Jason Stubbs, an expert in equity release area is suggesting to start with reading the equity release company reviews by EveryInvestor to get acquainted with the players within this niche. 

What is Equity Release & How Does It Work?

Equity release refers to a type of later-life financial product that gives older homeowners, 55 and above, the opportunity to unlock the cash tied to their almost fully or fully owned property. 

No payments are required in the homeowners lifetime. Instead, the loan and accrued compound interest are settled when the last homeowner dies or is moved to a care facility. Furthermore, the homeowner (or couple) can live in the house, rent-free, for the rest of their lives.  

What Are the Pros & Cons of Equity Release?

While equity release is a fantastic financial solution that’s taking the UK retirement community by storm, it does have certain pros and cons that you’ll need to be made aware of before making any financial decisions. 

Some of the benefits of equity release are that the money is tax-free, the Equity Release Council ensures that you’ll never owe more than the sale value of your home, interest rates are fairly reasonable, and you can use the money in any way you wish.

The disadvantages of equity release include reducing your inheritance, the interest on your plan often compounding quickly, and early repayment charges if you decide to end your plan before the stipulated agreement.

How Do I Know if Releasing Equity Is Right for Me?

The secret to discovering if equity release is right for you and your family is by getting in touch with a whole market financial advisor who works in your area. Your adviser with guide you through the entire equity release process, firstly finding you the best plan options to aid your financial concerns.

In addition, your trusted financial adviser will talk you through all the risks of equity release, the benefits, and the alternatives you’ll be encouraged to consider. Equity release is a serious, life-long commitment, so it must never be done on a whim. However, your adviser will tell you if it’s a wise move under your circumstances. 

In Conclusion

In 2022, there are so many incredible resources on the internet to accurately introduce you to the world of equity release. Just be sure to consider reputable information channels and advise according to the Equity Release Council’s criteria. 

Once you’ve read up on equity release and used an equity release calculator, research a financial adviser in your area and book your first consultation. A stress-free retirement could be in the cards.  

The post How to make sure that equity release is right for you: An essential guide appeared first on Australian Times News.

That’s why, if you’re just starting out as a forex trader or seeking to operate in any other market, it’s imperative you take steps to build your confidence before you begin. Here are a few tips to help you do that.

Educate yourself as a trader

Jumping into the markets without doing your research is only likely to end in failure. You need to take the time to familiarise yourself with the sector(s) you’ll be focusing on, seeing how the trends develop and building up your experience without any of the risk. Only by gaining that level of understanding can you feel confident in your ability to expose yourself to the market for real. 

Set realistic goals

There’s no sense in setting yourself unattainable targets, as you’re only likely to feel disappointed if you fall short. There are no guarantees in trading, and that needs to be reflected in your objectives. Think about what success looks like for you – is it a certain percentage of profitable trades? Do you have a bottom-line figure in mind? Perhaps you’d be happy with breaking even in the early stages of your journey. Whatever your goals, make sure they work for you or you risk knocking your confidence.

Start small

It’s natural that you might not feel completely assured at first. If that’s the case, don’t try and take too much on – get started with smaller trades where the potential losses will be minimal and work your way up from there. And it can help to stick to what you know. Data from the Australian Foreign Exchange Committee (AFXC) shows that the US Dollar is involved in 93% of all trades on the Australian forex market. So, why not make the most of the added stability provided by such a powerhouse currency.

Don’t despair

Are you thinking about venturing into investing? If so, you’re certainly not alone – more than 100,000 Australians traded on the forex market or via contracts for difference (CFDs) in 2021. Of course, there are no guarantees of successful returns and you have to prepare yourself for the possibility that you will lose money along the way.

That’s why, if you’re just starting out as a forex trader or seeking to operate in any other market, it’s imperative you take steps to build your confidence before you begin. Here are a few tips to help you do that.

Educate yourself

Jumping into the markets without doing your research is only likely to end in failure. You need to take the time to familiarise yourself with the sector(s) you’ll be focusing on, seeing how the trends develop and building up your experience without any of the risk. Only by gaining that level of understanding can you feel confident in your ability to expose yourself to the market for real. 

Set realistic goals

There’s no sense in setting yourself unattainable targets, as you’re only likely to feel disappointed if you fall short. There are no guarantees in trading, and that needs to be reflected in your objectives. Think about what success looks like for you – is it a certain percentage of profitable trades? Do you have a bottom-line figure in mind? Perhaps you’d be happy with breaking even in the early stages of your journey. Whatever your goals, make sure they work for you or you risk knocking your confidence.

Start small

It’s natural that you might not feel completely assured at first. If that’s the case, don’t try and take too much on – get started with smaller trades where the potential losses will be minimal and work your way up from there. And it can help to stick to what you know. Data from the Australian Foreign Exchange Committee (AFXC) shows that the US Dollar is involved in 93% of all trades on the Australian forex market. So, why not make the most of the added stability provided by such a powerhouse currency.

Don’t despair

If things don’t go to plan at first, try not to worry. All traders experience losses and it’s important that you accept that they will come with the territory. When this inevitably happens, take the learnings from it and use the knowledge to inform your future decisions.

If things don’t go to plan at first, try not to worry. All traders experience losses and it’s important that you accept that they will come with the territory. When this inevitably happens, take the learnings from it and use the knowledge to inform your future decisions.

The post Key pieces of advice to build your confidence as a trader appeared first on Australian Times News.

Broker and App

Your online broker will act as the middleman between you and the financial markets and finding the right broker is a crucial factor to succeeding. Most important is to find a legally operating broker that is fully licensed and regulated. In Australia that task falls on the Australian Securities and Investment Commission (ASIC) and in the UK on the Financial Conduct Authority (FCA). Hence, the first step is to find a regulated broker.

In addition, there are several factors to consider when picking an online broker, such as the platforms provided, the markets you can trade on, fees, availability, reputation, etc. The easiest way to collect all this information about brokers is to rely on professionals. There is a range of websites that provide detailed and unbiased broker reviews. Also, many times the best brokers in Australia are the best online trading platforms in the UK, meaning you can look for brokers based on both markets.

Today you also need to find a broker with a great trading app so that you can trade whenever you have to. This way you can close positions at any time and make use of unique opportunities that present themselves even when you’re not in front of the computer.

Budget and Risk Strategy

Before you even make your first deposit to a brokerage account, you need to consider all the risks. Some risks can be avoided by, for example, using a regulated broker. However, you will always run the risk of losing your invested funds.

The best way to handle this is preparation. By having a strict budget that doesn’t affect the rest of your life, and by implementing basic risk management strategies, you’ve come a long way.

Basic risk strategies include never investing money you cannot afford to lose, diversifying your portfolio across different markets, activating stop-loss features, and more.

Furthermore, the best risk management is always knowledge and experience, and the better you get at trading, the more control you get over potential risks.

Automated Trading

Another tip we want to share is the potential benefits of using automated trading and copy trading features. Technology is a major part of online trading today and there are a few decent tools to help you trade more efficiently.

Forex robots are a typical example of a tool that helps you trade forex automatically based on your or the robot’s parameters. The software then opens and closes trades based on certain price points and currency pairs. By using robot’s you can limit the time that you need to spend in front of your trade station. You can technically make profits while working.

Copy trading is a similar way to trade, but instead of trading with software, you copy another actual trader. This way you can avoid a lot of the analytic work needed to trade and you can increase your potential of making a profit.

Naturally, both of these methods of trading come with additional fees. In fact, copy trading can be quite expensive when using certain brokers.

The post 3 Tools to help you succeed on the financial markets appeared first on Australian Times News.

If you want to know more about day trading, this article will explain to you what day trading is and walk you through the two market conditions you should consider before entering a crypto market and making day trades that can help you make the most profit gains out of the ever-fluctuating crypto market. To do so many traders use crypto trading platforms like Binance, Yuan Pay Group, Kucoin, Bitcoin Era and many others.

What is day trading?

Day trading is a trading strategy for short-term trades where crypto transactions are made within the day. In simpler terms, you sell crypto you bought on the same day; thus, its other name is “intraday trading”. Day traders use intraday strategies to gain profits and make the most out of the particular moves in the crypto market to make trades. 

If you are interested and want to do day trading, you should know about liquidity and volatility, which are both market conditions that are crucial to making profits when making day trades. 

The first market you should know is the cryptocurrencies liquidity; liquidity refers to the ease of converting an asset into its fiat currency equivalent. Since you should enter and exit day trades quickly, you should opt to go for crypto, which has higher liquidity. When you encounter a slippage, a market with low liquidity, you will have a hard time converting the crypto asset you bought with its expected price equivalent. With slippage, the position shall be sold in increment so that you will still get the gain when the entire position is sold. 

The second market position that takes time to learn and consider is the crypto market volatility. Since the crypto market is highly volatile, day traders take advantage of these extreme trends to get higher profit gains. If you make day trades, you should avoid markets that lack volatility; take stablecoin’s volatility as an example; since there is limited or no movement at all, you would never get the opportunity to buy low and sell high on a day. You should go for crypto markets where prices are fluctuating within the day to gain profits using the day trading strategy. 

Which cryptocurrency is best for day trading?

Truth be told, there is no consistent cryptocurrency that is sure to be good for day traders; this is because all crypto markets are highly volatile; thus, good crypto for day trading changes on a daily basis, meaning crypto which is good at day trades today may not be for tomorrow. Thus research the crypto market entirely before deciding to make day trades on the market so you will not make mistakes and make day trades on a non-fluctuating market. 

As mentioned earlier, the crypto’s liquidity and volatility are crucial for any day trading strategy, so you should go for crypto with solid liquidity and is currently showing high volatility. Thus, look into the crypto market showing solid liquidity and a highly volatile market when both conditions are met, then that crypto is best for day trading. 

Take the crypto Dogecoin as an example; in the early part of 2021, Dogecoin showed increased liquidity and surged in its volatility. During this time, the Dogecoin market price skyrocketed from just a fraction of a dollar to over $0.25 in just a matter of a month; consequently, its market cap increased by billions of dollars, thus at this time day traders flock to the Dogecoin market. Dogecoin still has high volatility, for it is much easier to mine, and a lot of investors may be holding onto it and are waiting for the right time to actually sell their coins. This condition also creates good opportunities for day traders. 

What are the disadvantages of day trading crypto?

The majority of people who engage in day trading lose money because day trades play with the already risky crypto market; thus, if you don’t play it right, you will suffer short-term investment loss. 

Additionally, loss of investment in day trading mostly happens due to the extreme difficulty day traders have to face. It is extremely difficult to get the right timing of when to enter and when to exit the market while at the same time doing continuous buy and sell on this right timing. When making day trades, you have to make day trades with the right timing on the right crypto market; even if you are on the right market but miss out on the timing, you will still lose money. Another thing that makes investors lose their money is due to the trading costs; every trade you make involves trading fees does if you make day trades in which you have to make constant trades within the day, will subtract much larger trading fees from their profit gains; thus you would need to consider the trading cost when you sell you crypto so you won’t lose profit. 

Day trading is a crypto trading strategy that involves trading, buying, and selling crypto within the course of the day and making sure to get the best possible profit gains, the most you can get out of the fluctuating crypto market. Keep in mind that you would have to make day trades with the right conditions, which are the solid liquidity and high volatility of the crypto market; when both these crucial conditions have been met, the opportunity to make day trading becomes possible. Although having entered a crypto market with this kind of condition does not mean an instant way to successful trades, you would need to apply the correct day trade strategy to make the best profit gains from your day trade opportunities. 

The post What is day trading and how does it work appeared first on Australian Times News.

TVI was founded by Mathisha Vidyaratne, Anthony Trainor, Zac Povolny and Richard Valioukhov. They all came from different walks of life where Mathisha worked across the finance and legal industry, Anthony a marketing strategist, Zac a sales consultant and Richard in the construction industry with a financial degree. What bonded them was their passion for investing and empowering others. 

Beyond their amazing digital educational platform, what shines most is their collaborative community, where everyone works together to succeed. 

Their ethos is to ‘simplify crypto and stock investing’ to educate and empower everyday people looking to invest in the stock and cryptocurrency markets. For AUD $997 a year or $119 a month, members get access to their very own personal dashboard with instant access to hours of education, price signals, watchlists, crypto portfolio tracker, mentorship and community, all at the touch of a button. 

When interviewed about how TVI all came about, Vidyaratne said “we took our dogs for a walk in the park back in 2020 and were discussing how investing had this stigma of being too complicated for the everyday person. Truth be told, investing is a lot simpler than you may think. So, we decided to make what we wish we had when we started investing.” With our personalised digital dashboard and community, we cut through the clutter and deliver what people need, especially those who are time poor.”.

Since launching in February 2021, the platform has over 1000 members, with the majority of the growth to date being through word of mouth. Their growth has been aided from some high profile athletes such as Collingwood Football Club captain Scott Pendlebury, Western Bulldogs premiership players Easton Wood and Jason Johannisen, Richmond star Nathan Broad, former NBL MVP and commentator/personality Corey Williams as well as social influencers such as Tayla Damir and Tully Humphries. These are just a few of the high profile names who have started investing in cryptocurrency thanks to TVI. 

Upon deep-diving into their platform, there are a number of things that make them unique.

Firstly (and most importantly), they are a corporate authorised representative. This adds further social proof to the business in an industry that is tightly regulated amongst the rise of finfluencers, cowboy Reddit and Telegram groups. 

Secondly, in an industry that has a reputation for being quite dry and boring, the founders deliver everything in a fun and engaging way where they make investing simple and understandable for anyone, no matter their level of experience. 

Lastly, they are extremely dedicated to their community. Not only are they actively involved in their community everyday, they even do face-to-face meetups and events with their members. 

In an uncertain economic landscape, TVI was the perfect product to launch during COVID to educate and empower people to master the skill of investing, a skill that the team believe everyone should have. This community is sure to thrive in a world where passive income is the new norm

The post A one-stop-shop’ investing platform from Tradervidz Investments (TVI) founders makes waves appeared first on Australian Times News.

What Are 100% Mortgages?

A 100% mortgage refers to a loan for the entire cost of the property you’re buying which means you’ll not have to put up any deposit. You’ll also find such loans being referred to as 100% loan to value (LTV) mortgages or no deposit mortgages. 

If the property costs £200,000, a 100% mortgage would mean you’re borrowing the full £200,000 from the lender. 100% mortgages can appeal to first-time buyers who find it challenging to save, but they’re risky and very rare in the current market.

How Do 100% Mortgages Work?

All mortgages have ratios of loan to value (LTV) that reflect the percentage of the property value you’re borrowing. 100% mortgages mean you’re borrowing for the entire property value and now come with far stricter conditions than they did previously.

Following the financial crisis in 2008, lenders were forced to pay more attention to every borrower’s entire financial situation and not just how much they earn. 

If you’re qualified, you’ll make monthly repayments over an agreed term, but you’ll likely pay higher interest rates because you have no equity in the home. You can get lower LTV and better deals from lenders with more equity.

Types Of 100% Mortgages

Currently, most 100% mortgages in the market are guarantor mortgages. These come in different forms, but all rely on you having a friend or family member whose ready and capable of helping you out. 

You’ll still legally own the property, but the guarantor provides the financial backing needed to reduce the risk for the lender and secure the deal. The guarantor bears responsibility for repaying the mortgage if you can’t pay it yourself. 

Bridging Finance 

If you are in the market for finance to fund a self-build project or to bridge the gap between the development and sale of a new construction, then it’s not a 100% mortgage you are looking for. 

Instead, you will be looking at bridging finance, also referred to as construction finance.

Deposit Mortgages

A trusted friend or family member offers their savings or property as security for a 100% mortgage in deposit mortgages. Where savings are used security, your friend or family member deposits cash in a special savings account, and the money is held as security against the 100% mortgage. 

Such deposits usually range between 10% and 20% of the property’s value. The guarantor earns interest on their savings during the loan period, but the rate is usually not as competitive as what is found in a regular savings account. 

The cash deposited is usually held until:

• The mortgage balance falls below a certain percentage of the property value, usually 75% or 80%. 
• You repay the entire loan in full.
• A stipulated number of years have passed, provided you’ve made your mortgage repayments on time. 

Instead of a savings deposit, your guarantor can provide their property as collateral or security for a 100% mortgage. It involves having a charge over their home, usually between 20% and 25% of the value of the property you’re buying, as security against the mortgage.

Family Offset Mortgage

Family offset mortgages work in a similar way to deposit mortgages. However, unlike deposit mortgages, your guarantor will not earn any interest on the savings used as security for the 100% mortgage. 

The advantage is that you’ll get reduced monthly repayments for the 100% mortgage. The interest you’ll pay is based on the difference between the mortgage’s total value and the amount of savings held in the account, meaning you pay less interest than if the savings weren’t there.

Family Link Mortgage

Lenders like the Post Office offer family link mortgages, and they’re similar to 100% mortgages because you’re not required to put down any deposit. Such deals work by combining a 90% mortgage with a 10% loan usually raised in the form of a mortgage against your guarantor’s home. The family member who acts as the guarantor must be mortgage-free to qualify. 

You may find other lenders offering similar products under different names. To get the best deal and expert advice on the entire market, it’s wise to consult a whole-of-market mortgage adviser or broker with access to all the available deals.

The Risk Of A Drop In House Value

When considering a 100% mortgage, you need to think about the risk of falling into negative equity. The value of your property is likely to change with economic changes over time. 

The biggest risk of a 100% mortgage is finding yourself in negative equity where you owe the lender more than what the property is currently worth. For example, if you use a 100% mortgage to purchase a property worth £150,000 but the property value drops to £100,000, you’ll still owe the lender £150,000 minus anything you’ve already paid off. 

Such drops in value can create problems if you wish to move or remortgage. You may find yourself trapped in the original mortgage deal involving high rates unless you can find more money to cover the shortfall. 

The risk of negative equity becomes less of a concern as you pay off more of your mortgage and own more equity in the property. However, the risk is significant in the first few years of a 100% mortgage.

Is A 100% Mortgage Guaranteed In 2022?

You can be eligible for a 100% mortgage whether you’re a first-time buyer, a home mover, or a homeowner, but the number of deals available has become very limited. 

Therefore, even with a friend or family member who can act as your guarantor, there’s no guarantee that you’ll get a 100% mortgage. Most mortgage lenders will scrutinise your finances and other requirements to determine if you can genuinely afford to repay each month. 

Your chances of approval for a 100% mortgage are diminished if you have a bad or poor credit score or if you’re already committed to paying back other debts.

Final Thoughts

Although 100% mortgages are less common, you can still find them, especially with the help of a mortgage broker or adviser. They often come with the catch of requiring a guarantor who can afford repayments if you fail to keep up. Keep in mind the risks involved, including falling into negative equity and the guarantor losing their savings or home if the loan defaults. 

The post Can I get a 100% mortgage in 2022? appeared first on Australian Times News.

What are the Biggest eWallets in Australia?

Australians are spoilt for choice when it comes to digital wallets, and there isn’t a clear-cut victor among the various options. Apple Pay is currently leading the way with a 5.9 per cent usage rate recorded in 2020, with Google Pay and Samsung Pay just behind 3.9 and 1 per cent, respectively.

These services provided by the major tech companies are convenient because they can be integrated with various devices. For example, Apple Pay is available on the iPhone, iPad, Apple Watch, or Mac, meaning that paying for services with online funds is a seamless experience that can be triggered through the fingerprint or face scanner on the more modern pieces of technology.

There are also a few other eWallets that are vying for recognition in the country and are worthy of attention. Skrill and Neteller have been around for a few years, but their popularity has grown in recent times thanks to new enhancements. Ecopayz is another that has been around since the late 2000s but capitalised on recent developments in the Fintech industry to become a major player. It launched a new mobile app in 2020 with a minimalist design and innovative features.

Where do you Need to Use eWallets?

Digital wallets initially came about to make online payments smoother than they had been in the past. Instead of having to key in card details at different sites, consumers could simply select their eWallet at a site and log in using its credentials. Some of the biggest industries have helped push this forward, especially in sectors where users are typically more cautious about their security. This is especially notable in the entertainment and payment and services industries.

Payments with digital wallets can be made when online grocery shopping with Geezy or HelloFresh, or buying tickets for events at Ticketebo. The PlayStation Store in Australia has famously offered PayPal as an option for many years as well, and most other game providers have also adopted PayPal too, including Steam and Nintendo. Furthermore, in the wider entertainment industry PlayAmo Australia offers eWallet payments from Skrill and Neteller because they provide both convenience and peace of mind. Looking to the future, it’s expected that many eWallets will accept and process cryptocurrencies too, and some sites are already offering these payment methods to adapt to the growing number of crypto users.

Even though eWallets rose to prominence online, they can also make payments in offline settings. It is possible to perform transactions with physical retailers by scanning a QR code and selecting your eWallet on your smartphone.

The uptake of eWallets in Australia is gaining traction as the landscape shifts away from the mainstream usage of physical currency. It will be essential to have an online wallet to store digital funds in the years ahead, so now is the time to choose one that suits you.

The post Why is now the time to start using eWallets? appeared first on Australian Times News.

I certainly do. The media couldn’t get enough of it. 

Headlines declared that these American celebs weren’t “playing fair” on social media platforms, and that something should be done about these fake followers. Those famous people still have millions of active TikTok followers, so why buy more?

And here we are, nearly 3 years later, and, despite all the stigma that buzzed around the news of Elen D. buying followers, people are still loading up their social media platforms with fake followers like there’s no tomorrow. 

But, all things social media ethics aside, there is one noticeable difference between now and the seemingly prehistoric year of 2019 (I’m not the only one that feels like 2019 was forever ago right?).

And that difference is TikTok. 

The rise of the TikTok app

TikTok came into being in 2018 when the Chinese company Douyin merged with another called Musical.ly, and within just a month of this merge, the new app “TikTok ” had more monthly installs than major social media platforms like Facebook and Instagram. 

What made this app so appealing to people? One theory is that, unlike Instagram, TikTok was fresh, new, and most importantly, gave people a real chance at going viral, A.K.A reaching social media stardom and boosting their TikTok growth and their popularity on other social media platforms.

Is it a common practice to buy TikTok followers from Australia and the UK?

When asking why even today it’s still such a common practice for people to buy TikTok followers in Australia and in the UK, you need to keep in mind what I said about TikTok giving people more of a chance to go viral.

This hope that people have of getting millions of views on their videos overnight, is at the core of what ultimately drives people to purchase followers. 

People just want to be seen and to have their content appreciated. If only people would stop and give it a look. And hey, what do you know, buying followers does exactly that. Check out this web page if you are wondering what is the best place to buy TikTok followers in Australia.

Buying likes and active TikTok followers will attract real followers and their precious attention.

With TikTok now reaching 1 billion active followers and TikTok users, people have realized that getting noticed is a bit of an uphill battle. And that buying TikTok followers in the UK can take that uphill battle and turn it into something more like a water slide. 

These days, people take their buying followers seriously. 

The sites that sell followers have upped their game in recent years, offering customers the opportunity to buy high-quality TikTok followers that even have the ability to leave TikTok likes and to interact with content. 

A believable TikTok username is also a trademark of the proclaimed completely organic followers that can be purchased from anywhere around the world today. 

People typically spend a bit more when they buy real TikTok followers than they would in comparison to if they bought fake TikTok accounts. Because obviously, real organic followers won’t have the phony appearance that a fake TikTok profile would surely have. 

But still, the price for purchased authentic followers is incredibly low. Surely, the affordability coupled with quick results is another influential factor that makes Brits continue to buy TikTok followers UK. If you want to find out what is the best site to buy TikTok followers from the UK, read this blog post.

On the other hand, here’s why some won’t ever even consider buying TikTok followers in the UK or in Australia

Although there are tons of people who swear that their TikTok account was completely transformed when they decided to purchase followers, there are plenty of others who disagree. 

The argument that comes up again and again is that buying likes and quality followers with instant delivery, if done incorrectly, could damage a person’s brand image. 

And these people have a point. The only way you’ll gain more followers, (genuine followers), is if your organic followers trust you and have respect for your brand image. 

If a person decides to buy followers in a speedy and sloppy manner, there is the possibility that people could catch on, and it might rub them the wrong way. 

The idea that social media marketing methods should be strictly organic, is a pretty common one. Supporters of this idea claim that the best TikTok growth comes from paying a social media marketing pro or simply spending more time studying your target audience and their respective trends.

So which is a better TikTok growth strategy?

On one hand, you’ll need to be careful, as If your target audience is located in England, then you’ll want to buy real TikTok followers in the UK and not from overseas because your brand image relies on looking completely authentic. You can buy them from London, Manchester, Leeds, Sheffield, or Birmingham. The same way, if your target market is in Australia, you should be purchasing TikTok followers from Sydney, Melbourne, Brisbane, Perth, or Adelaide.The inorganic strategy will require you to purchase followers regularly, for steady results. 

And with that said, the organic strategy is considerably slower and oftentimes less effective than investing. As many people have found out, organic growth just doesn’t happen quickly enough to keep up with trends. 

Should you buy these TikTok services for your TikTok profile?

The answer to the question of whether or not it’s a wise idea to buy TikTok followers in the UK will disappointingly be, “it depends!”. 

It depends on how far you’re willing to go to achieve that desirable online presence that we all crave. It depends on if you think a few pounds is worth a few hundred real TikTok followers or not. 

And last but not least, it depends on how you feel. At the end of the day, it’s perfectly legal to purchase genuine TikTok followers, even if it may be looked down on by some. 

But if buying TikTok followers in Australia or in the UK feels wrong, that’s ok too. There are tons of ways in which you can achieve TikTok growth, some slower and more organic than others.

Your brand image is just that – yours. And you have every right to do what you bloody well, please. 

The post Should you Buy TikTok Followers in Australia or in the UK? appeared first on Australian Times News.

Back in 2020, the FTSE’s performance rate dropped by around 14.3% and this is its worst performance since the financial crisis from 2008.

In response to negative trends across all stock markets, most central banks, including those in Australia, the United Kingdom, and the United States increased their interest rates.

In theory, increased interest rates should encourage recovery of the global economy, but more market volatility is expected in the months to come due to possible new lockdowns and restrictions.

2021 was an extremely hard year for all job seekers as well. In all major industries, unemployment rates have skyrocketed. After governments ordered companies to shut down their offices, many turned to video conferencing as a way of keeping in touch with their employees.

At the same time, many people lost their jobs. According to a report by International Labour Organization, the Covid-19 pandemic could potentially increase unemployment by over 25 million.

Essentially, the ongoing coronavirus pandemic has negatively impacted the global economy in many different ways, and bigger and smaller companies were forced to get creative to stay afloat.

Strategies Companies Embraced to Survive During the Pandemic

Engaging in creative, innovative thinking is essential for companies of all kinds during these rough times. The coronavirus pandemic was even more challenging for smaller businesses and businesses that recently opened their doors.

One survey conducted by National Small Business Association suggests that over 77% of owners of smaller businesses are extremely worried about the negative impact of the Covid-19 pandemic.

Almost half of the surveyed small-business owners also believe a major recession is inevitable. While governments tried their best to tackle the negative impact of the coronavirus pandemic on their countries’ economies, many business owners decided to take the matter into their own hands.

To stay afloat, business owners shut down their offices as suggested by the World Health Organization. To stay in touch with their employees, they created new business plans that involve communicating online as much as possible.

Embracing online communication options, companies managed to keep their workforce and continue working. Essentially, they focused on promoting their services and products online via their social media platforms and their websites.

In order to keep their loyal and new clients engaged, they embraced more innovative and creative business models. Companies and businesses struggling to stay afloat understood the importance of getting creative and working on boosting their online presence.

In other words, they enriched their websites and started posting more engaging content on their social media platforms. Some companies also employed bloggers who work from home.

Many small business owners also relied on their community to stay afloat. Others embraced a new business approach that involved offering loyalty incentives to their customers, such as gift cards and special vouchers.

In order to connect to their customers on a more personal level, both smaller and bigger companies enriched their customer care services. Instead of sending automatic email responses and generic social media content, they started sending manual “Thank You” notes and handwritten letters.

Similarly, they started responding to comments on social media platforms to keep their customers by making them feel more appreciated. With most governments providing financial help to smaller businesses, many benefited from special rescue and loan programs.

The post How are smaller businesses staying afloat during the pandemic? appeared first on Australian Times News.

Each person’s situation is different, and each person has to judge whether she is getting what she needs. But there are some common pitfalls that everyone can avoid and some questions you should ask before signing any contract. To get the most out of your employment situation, you have to trust your provider. 

Checking the provider’s state funding

The first thing you need to do is check on the provider’s state funding amount. Many agencies have been known to provide services without actually being funded to do so. This can lead to problems down the road and cause the company to shut down without warning. A good rule of thumb is that providers should be spending no more than 10% of their funding on their overhead costs. The amount they have will tell you how many clients they can take on and how long they have been in business. The advantage of a company with a lot of funding is that it will be more stable and will be able to handle more clients.

Identifying your needs

While going to seek potential disability employment services, like in atWork Australia, someone should identify their needs. You don’t want to waste time or money on a provider who doesn’t have the programs you need. For example, if you are physically disabled, look for an agency to provide transportation to and from your job site. If you need help dressing for the workplace, look for an agency with staff members who can assist you with this task. The more specific your needs are, the easier it will be to locate agencies that match them.

Face to face meetings

When interviewing with a disability employment provider, ask for face-to-face meetings. This makes it easier for you and the provider to get to know each other better. In addition, a good provider will want to meet with you in person to determine your needs and the best course of action for finding a job or internship for you.

Choosing a provider that offers flexible appointment times

A company that understands your specific needs can make all the difference in your search for work. Finding out if a provider offers flexible appointment times or other special accommodation is an important step. While some companies may have more locations than others, it’s usually better to work with one that has fewer locations but offers more personalized services. Many providers offer a variety of methods for contacting them, from phone calls and emails to live chat and social media outlets such as Facebook and Twitter. Be sure to ask all potential providers which methods they offer and how they prefer to contact applicants.

Quality of staff

When you are looking for a great disability employment provider, the first thing that comes to mind is the quality of the staff. It is important to have friendly, respectful and professional staff members who truly care about you and your needs. In addition, you want someone who will go that extra mile to ensure you get what you need to succeed in your job search.

Asking around

When you are ready for a disability employment provider, you should ask about several different ones. The best disability employment providers are usually those that other people with disabilities have recommended to you personally. You can contact the national association of disability employment providers to see if they have any complaints or concerns about any of their local affiliates. Finally, you should be able to get the names and phone numbers of local disability employment providers from a social worker or counselor at a local independent living center.

The post Tips to choosing the best disability employment provider appeared first on Australian Times News.

The available marketing tools at the time were also difficult to scale, expensive to deploy, and their output were challenging to keep track of.

However, things have shifted tremendously in the recent past, thanks to technological advances. 

With the increase in internet usage by individuals and corporations, businesses now have an easier time reaching their prospects through digital marketing.

The digital marketing methods available today are easy to use and can be implemented by the average business person. Nonetheless, we still have marketing agencies specializing in these methods and are at hand to give your efforts an extra boost where need be.

Here are some digital marketing techniques that result in high conversions for businesses:

1. Social media marketing

Also known as SMM, Social Media Marketing uses social media sites to promote brand awareness to heighten your conversions or sales. 

The beauty with SMM is that you need not confine yourself to one channel. You achieve better results from it when you use a handful of popular sites to promote your brand.

Some of the leading platforms likely to get the best conversions here include Facebook, Instagram, Twitter, and YouTube.

The specific outlet you opt for should be informed by the target audience you wish to reach or your niche market. It is always best to capitalize on the channels most frequented by your desired market.

Your brand can achieve successful SMM campaigns in several ways. For instance, you may enlist the services of a social media influencer to popularize your products and brand. 

You could also take advantage of the platform’s in-built advertising feature, where you pay for a sponsored ad. Sponsored Ads achieve a high conversion rate since they are broadcast to a targeted audience (people likely to be keen on your brand or type of products).

2. Search Engine Optimization

The other valuable tool in your digital arsenal is Search Engine Optimization (SEO). 

It is structuring or designing your website and its content in a way that enables it to receive a high ranking by search engines.

Websites optimized for search engines are easy to find on the web, as they are among the first to turn up on the Search Engine Results (SERP) page. 

That means that when you have an SEO compliant website, your site will consistently be among the first to appear when online visitors go looking for your products online.

The value of high rankings should not be ignored. According to Forbes research, that first results page can have up to 92% click-through rate. That is a stark contrast to the second page, which garners approximately 6%.

It, therefore, serves your brand well to rank high on critical keywords, and SEO is the tool that makes that happen.

It involves using vital keywords on your website and the proper structuring of your site to make it informative and easily navigable to your visitors.

You may use Google Adwords to gain insights on the value of individual keywords as far as search ranking is concerned.

3. Email marketing

Email marketing uses verified and vetted email lists to send solicitation emails to a group of contacts.

The email message is structured in a professional tone and may be sent to inform your clients and prospects of new offers, products or to solicit funding or push a sale.

Typically, the email contacts used in this kind of marketing consist of verified leads or persons interested in your products. To obtain a reliable email list of valuable contacts within your niche market,  engage the services of an Email Service Provider (ESP).

An ESP is a lead generation agency specializing in email marketing, cold calling, and other remote digital marketing strategies for enterprises.

Email marketing may take the form of regular newsletters, promotional emails, acquisition emails, or retention emails. It all depends on the purpose for which the email is sent. 

However, for email marketing that converts, it is best to start with well-written emails that focus on the reader and their needs more than selling the product.

4. Cold calling

Cold calling or telemarketing (as it is traditionally known) is a marketing strategy where a brand makes unsolicited calls to its prospects to alert them of its products.

When coupled with other follow up marketing strategies, cold calling leads to conversions, especially for unknown brands or new businesses. 

However, due to the unsolicited nature of these calls, most leads may be resistant to your marketing pitch. For that reason, the telemarketer must always act tactfully and cultivate the target’s trust before pitching for sale.

Even if a well-orchestrated cold call fails to yield a sale, it is nonetheless an opportunity to garner feedback from your prospect about products they need. 

5. Content marketing

As we have seen, your brand’s digital visibility is heavily influenced by how it presents itself online. You can use sales memes, gifs, blogs, eBooks, and other types of digital content to push our brand name out there.

Content marketing is a chance for you to establish your business as an authoritative voice in a particular sector through well researched and eloquently presented material.

Relevant and search engine optimized content will also serve to improve your web ranking.  It offers you a golden opportunity to improve your visibility as you quickly become a preferred and reliable provider of information related to your niche.

When search engine algorithms handle an online visitor’s search query, they always direct the visitor to the sites that give the most comprehensive information on the subject.

Therefore, the more interesting, relevant, accurate, and current your content, the better your site ranking will be, and the higher your conversions as well.

The post 5 Top Digital Marketing Strategies That Drive Conversions appeared first on Australian Times News.

Automated processes offer significant advantages over humans in business applications, for example:

• They can collect, manage, and process vast amounts of data quickly and efficiently.
• They can transfer data fast and accurately between different systems and applications.
• They can communicate consistently to customers, transmitting the most appropriate message or information at precisely the right time.
• They accurately track orders, interactions, etc., leaving less room for human error.
• They can monitor and analyse customer behaviour, allowing you to target your marketing efforts better.

Companies that automate enjoy many benefits over those that try to expand using old fashioned methods, including:

• Expansion can occur without needing to recruit so many staff.
• More efficient processes.
• Reduced human errors thanks to reduced reliance on manual data entry.
• Automated processes are significantly faster than manual ones, saving time.
• Reduced business costs due to lower overheads, e.g., no need for office space for extra staff, sick pay, etc.
• Automation can occur around the clock, meaning your business does not need to stop when it’s 5.00 pm, lunch break or time for a holiday.
• Enhanced customer experience.
• Increased sales.

However, for now, automation will not fully replace humans, so your sales and marketing teams don’t yet have much to be concerned about. What it will do, however, is free them from the more repetitive tasks and allow them to focus on securing sales.

6 Ways B2B eCommerce Software Can Automate Your Sales and Marketing

There are many ways you can automate some of the more repetitive tasks in your eCommerce business. Here we present six of the most common.

1. Choose Only the Right Tools to Help You

Knowing the specific needs of both your business and those of your customers will allow you to establish which automation features your eCommerce software needs to have.

For example, you will likely need to handle corporate accounts, possibly with different divisions within the same company. Each of those divisions may have different purchasing needs, so you may have to provide catalogues and prices personalised to each decision-maker. And if you have clients all around the globe, you may also need product data in multiple languages and currencies or with different terms and conditions.

Many of the tools needed to cater to those different business needs will be included in most eCommerce packages out-of-the-box, while others may require the installation of add-ons or plugins.

Email marketing is currently one of the most effective (and popular) automation tools in use. Most eCommerce platforms allow you to send automated marketing emails targeted to individual customers or customer groups. At the same time, A/B testing and tracking features will enable you to test their effectiveness and adjust your strategy accordingly.

OroCommerce is an excellent example of a B2B eCommerce platform that offers many automation options for your business, plus it has many features typically only found on B2C platforms.

2. Don’t Be Scared to Use Chatbots

Chatbots are a highly cost-effective way of automating communications with your customers. However, don’t be put off by the name ‘chatbot’ as they are so sophisticated that people often don’t realise they are chatting to a machine rather than a person.

Typical chatbot applications include answering customer questions or segmenting visitors to your website based on criteria such as business type, behaviour on the site, or preference. The fact that all of this is achieved using software rather than people means your staff can get on with more meaningful tasks rather than getting bogged down with menial stuff.

3. Use Abandoned Cart Recovery Methods

Often, visitors to an online store – B2B or B2C – will put something in their shopping cart, then leave the site without completing the purchase. There could be several reasons for this, such as something more urgent came up, or they simply got distracted. Either way, according to statistics published by Baymard Institute, the average cart abandonment rate is 69.8%. 

Sending reminder emails to those people who have abandoned their carts is a highly effective way of converting many of them to sales. Furthermore, this is a process ideally suited to being automated.

Of course, one must ensure the automated emails don’t get seen as spam, so careful consideration regarding the content and timing is necessary, plus you need to know when to stop sending them.

4. Offer Discounts to Retain New Customers and Lure Back Old Ones

B2B and B2C customers are different in so many ways. However, they do share one common thing – both like to get something below the published price.

Therefore, discounts and promotions can be a superb way to attract new customers and retain existing ones. Highly effective methods of doing this are to offer a discount to new customers on their next purchase or give one to existing ones who may have gone AWOL to lure them back.

The best thing about discount and promotion campaigns is you can automate them via email marketing workflows.  Check out this guide which tells you all about the promotion and discount strategies in B2B eCommerce.

5. Use Retargeting

In days of old, companies used to assess their customers’ needs and desires through conversations with sales representatives to create personalised solutions. Fast forward to today, and savvy eCommerce businesses are using all the analytical data that they collected using automation to do automated retargeting via advertising channels such as LinkedIn, Facebook, or Google Ads.

The ethos behind retargeting is simple – keep reminding potential and existing customers that might be interested in your products (as opposed to the general market) of your existence and what you can offer them. The result: they are more likely to remember your brand when looking to purchase products like yours.

6. Offer Customers Recurring Orders

Another highly effective repeat business strategy suitable for automation is email notifications for repeat orders to existing customers. Apart from making the ordering process simpler for them, it also dramatically improves the likelihood that they will buy from your company rather than someone else in the future.

Your email can be sent automatically at a pre-defined point in time, for example, a month after the last order. In addition, the message body can include details of the previous order and a ‘buy now’ or ‘add to cart’ button or link that can initiate the order process in a single click. Amazon widely uses such a tactic with B2C customers, and it is also highly effective when used on B2B purchasing managers.

To Summarise

As you will have seen, it makes complete sense to automate the more mundane activities of your business’s daily operations. In doing so, your staff will be able to focus on the more critical tasks, saving considerable time and money.

One of the quickest ways of integrating automation into your business is to use dedicated eCommerce software. Most are purpose-built to do that and much more, plus they will help make your eCommerce business super-slick, something for which your employees and customers will thank you.

The post How to Accelerate Business Promotion with B2B eCommerce Software appeared first on Australian Times News.

Unrealistic expectations

Unless you’ve changed jobs or have recently come into a lot of money, your salary doesn’t really budge. If you are working with a salary that is similar to the one you had when you got into debt, you won’t suddenly have the means to get rid of it.

It is also unlikely that you’ve changed your spending habits. So, you need to manage your expectations when it comes to getting a handle on your debts. You will either have to increase your income or cut back on spending to make higher repayments. Doing this is not fast or easy. 

Make a long-term schedule that is easy to stick to. The visible progress will also put you at ease. This brings us to the next point.

Failing to plan

If you don’t have measurable goals written down, you will struggle to pay off your debt. You will also have no way to track your progress. Here are some things you need to do:

• Budget – You need to know exactly how much money you can put towards repayments. Plan effectively on how you will cut down on your expenses. Just like a diet,  if you’re too drastic you won’t stick to it! Think of the minimum amount of cutting back you need to do. Once you’ve successfully done that for a month, you can consider tightening your budget even more.
• Add up what you owe –  Tally up all of the money you owe, including fees and interest. This will factor into your budget (mentioned above). It will also help you come up with a rough timeline for paying it all off.
• Select which debt needs to be paid off first – Pay off debt with the highest interest first. Leave the debt with tax incentives and low interest to be paid second or third. Although; if you’re results-driven, you can opt to pay off the debt with the lowest balance as this can help you feel accomplished.

Not saving at the same time

It is still important to stay in the habit of saving while working off your debt. You may be tempted not to, or you might see your debt as first priority. However, if you don’t have substantial savings or emergency funds available, you may find yourself in even more debt down the road.

If you do encounter an emergency and you end up taking out even more credit to pay it off, you’ll be back to square one. 

Not asking for help

If you are truly struggling to pay off your debt, there are free services you can consult for help. There are several hotlines you can call to get free advice on how to manage things. 

You can also reach out to relatives or friends for help, but we understand this isn’t an option for everyone. 

There is also an option known as ‘debt consolidation. This is a way of lumping all of your debt together, with varying interests, etc., and making one payment towards all of them simultaneously. So, you may want to consider a debt consolidation loan. 

Sometimes the interest on these loans can be less than the average interest of the other types of credit you have. Though it is still a form of debt, it can make repayments seem feasible and more of a hill than a mountain. 

Not counting your successes

It’s so important to see how far you’ve come. Don’t beat yourself up about how far you need to go. It can make you feel hopeless. Making good on your credit repayments takes discipline, which takes time to develop. Use your current situation as motivation to do better. 

Keep your chin up

It is easy to get disheartened in a tough situation, but there are viable solutions out of any amount of debt. If you allow yourself enough time to accomplish this goal, it can feel much more doable than if you try and rush things.

If you want to look into a debt consolidation loan, you can contact Credit24.com.au, a market-leading provider of personal loans and fast loan approvals.

The post Top 5 Mistakes You Make When Paying Off Your Debt appeared first on Australian Times News.

There are a number of companies to choose from which will deliver this kind of service for your business and whilst they all may differ in terms of approach, the benefits which they deliver for you are the same across the board.

Maximize Your Company’s Security

In today’s world, data and information is both held in paper and digital format, which presents a risk for many businesses. Sensitive information requires maximum security for your business because if it falls into the wrong hands then it can do great damage to your company. Managed print services will ensure that the software which takes care of printing scanning and sending information is packed with the tightest security available. This will ensure that your customers and clients have peace of mind that their data is safe with you.

Taking Your Green Credentials Up a Notch

Ensuring that your company is staying on top of its green credentials is more important than ever before, amongst growing pressure from both clients and because of new government regulations. Wasting paper and energy because of inefficient printers and poorly configured software will directly impact how green your company is. Using managed printing services will ensure that you are able to meet the wishes of your clients and the requirements which are placed on your business from an environmental standpoint. They will deliver this through being attentive to your printing devices and the software which it utilizes, so that they are operating in the most efficient way possible.  

Easy Growth Opportunities

When a business reaches a point where it plans to upscale, it will take a great amount of planning to ensure that all of the IT systems are in a position whereby they can take the strain. If you have a managed print service provider working with you, then this is going to be a very easy transition for you. MPS companies understand the need for scalability and they can easily adapt your painting network so that it can meet the new demand as your company grows. 

Streamline Productivity 

Productivity is the magic word for so many companies and it is important that a business seeks all opportunities to increase the efficiency and output of the workforce. One of the major threats to productivity is wasted time and energy, which is something that a poorly managed printing network will deliver. Thanks to the support of a managed print service provider however, you can ensure that you won’t have staff waiting on antiquated or broken equipment when printing, which will save you hundreds of hours each and every year. The impact which efficiently running printers will have on your business cannot be understated and this will directly correlate to increased levels of productivity in the workplace. 

This is a service which is going to save your company money, which will increase productivity levels in the office and which will ensure that your company has na organized and efficient approach to all of its printing needs. There really is no downside to bringing in this kind of company in order to give your business the edge. 

The post How managed print services can give you the business edge appeared first on Australian Times News.

Businesses are struggling to stand out in the digital world. The greater the population in the global marketplace, the harder it is to make your voice heard. Competition is fierce, with Search Engines continually changing what they want and demand from website owners. Unless you are a digital marketing expert, businesses in the UK and Australia might struggle to keep up.
With this in mind, here is your essential guide to how you can extend your natural reach and attract more customers online.

How to Extend Natural Reach in your SME?

If you don’t know where to start with making your website, read these top tips first.

1 – Website Building

Using a website is one thing; setting one up is quite another. Don’t scrimp here. Find a website building agency that can do your keyword research for you and optimize your pages for Search Engines. Several agencies offer a Blackhat, one-size-fits-all approach to web building, but this simply isn’t the case. The more niche your site is, the easier it is to find.

Suppose you need a company to guide you through that initial SEO process and even stay with you beyond setup. In that case, we recommend Maple Cloud, particularly for businesses in both the UK and Australia.

2 – Social Media Marketing

Social Media Marketing (SMM) sounds like a lot of work. It’s hard to run a Facebook ad that will do what you want it to, especially if you don’t have a professional ad maker and have no experience in the online marketing world. However, SMM doesn’t need to be paid advertising.

Social media accounts expand your business reach exponentially. Your friends and family will support your business, sharing information. Suppose we stick to the old traditional marketing rule about a potential customer only seeing your logo seven times until they have memorized your braces, and social media marketing could help you spread that word in just a few clicks. A daily post across multiple accounts works wonders.

On the opposite side of this, if a customer seeks out your socials and you’re not using them, it looks like your business might be either closed or out of date. Keeping everything up to date is essential in this post-pandemic economy.

3 – Blog Weekly

The final tip to impress the search engines and stay at the top of rankings is to issue a blog weekly. Write up guides of what your products do, talk about FAQs and myths, and establish yourself as an expert. Then, if you give them good answers, they will provide you with their loyalty.

Not everyone can write blog posts, and that’s just fine, too. You can pay someone to do it for you using a site like PPH. If your time is worth more than the hours it will take to plug away at one yourself; then this is the recommended option.
Get SEO Sorted

Using these three top tips, you can master SEO quickly and efficiently.

The post Ways Businesses in the UK and Australia Could Boost Natural Reach Online appeared first on Australian Times News.

Despite having huge amounts of money, many people spend on things that are not worth it or are useless. So, it’s vital to do money management that too should be done smartly. One of the best ways is to deposit your hard-earned cash in a renowned bank like Great Southern Bank (formerly CUA). They can guide you on thriftily spending your money. Moreover, you can also get personal loans easily with this bank.

In this article below, we have listed out below some of the fantastic ways to minimize your expenses and save money. Let us have a look:

1. Remember to cancel your subscriptions

Sometimes, you take an applications subscription from Google Play store, which is valid for a month, but once that period comes to an end, the same application gets renewed automatically. In that case, you may be charged the same amount again without your consent. So, always remember to cancel your subscriptions when not in use to avoid renewal charges. This can be an excellent way to minimize your expenses and save money.

2. Start working out at home

Working out at home instead of going to the gym can be yet another good way to save money and minimize your expenses. You can easily make use of free workout apps and save thousands of bucks every month. Apart from this, you can also search for cardio videos, yoga classes, and resistance workouts for free on Youtube.

3. Review your phone services

There may be a possibility that you are overpaying for your phone services. So, in order to minimize your expenses, you should opt for a smaller carrier, and in some cases, you may also keep the same service provider if you’re happy with your current service.

4. Cheap internet services

If you are looking to cutting your expenses, you have two options when it comes to your internet services:

1. To switch to a cheaper service provider

2. Call your current internet service provider and ask if there’s any scope for negotiations. If it is possible, your service provider can surely do something for you.

Alternatively, you can also compare the prices of other internet service providers too with one another. Also. you can call your current internet service provider and ask if there are any cheaper plans or get some discount on the current plan.

5. Shop for cheaper, home, car, and insurance

If you own any car or home for your personal use, you can find and get different quotes from insurance companies giving you the best of their services and that too with cheaper rates.

Sometimes, you may realize that two or more insurance companies are offering you almost the same type of inclusions, but there is a huge difference in their premium amounts. So, it is basically all about their brand name. So, always compare and choose your insurance company as per your needs and preferences.

6. Purchase and maintain your appliances wisely

Always spend extra time when buying appliances so that good appliances at cheaper rates are purchased. It’s better to invest more time in purchasing energy-efficient and reliable appliances so that they can be utilized for a longer period. You can also prefer to check out some customer reviews before making your final purchase.

Maintenance of your appliances also plays an essential role in saving your money to a considerable extent. Also, make sure that your appliances work efficiently and smoothly.

To conclude,

So, there are some amazing ways to save money and minimize your expenses. By taking these ways seriously, you can save lots of money.

The post How To Save Money: Amazing Ways To Minimize Expenses appeared first on Australian Times News.

Searching for a real estate property investment opportunity? As Reuters poll of analysts states, in 2021 the house prices in Dubai will rise for the first time during the last six years. That creates a reason to buy property in Dubai with a prospect of selling it further. If you are a novice property investor, learn how to invest in today’s ever-evolving market.

Profitability of Real Estate in Dubai

Here are the top reasons why Dubai is a thriving and lucrative housing market:

• Dubai is an international hub for trade, businesses, and tourism. As more and more people gravitate towards the city, housing trends continue to grow.
• Dubai is a safe city as its crime rate is very low according to Interpol. Moreover, Dubai’s health infrastructure is well-developed. As a result, most retirees in Dubai choose to buy an investment property rather than rent it.
• Dubai is becoming increasingly diverse to ensure all cultures feel welcome. It attracts foreigners from various communities.
• The UAE’s government has introduced a remote work visa. The purchase of property in Dubai helps to obtain a residence permit there quickly. 

At the moment, Dubai’s residential property market is growing steadily. An in-depth study conducted by Reuters in August 2021 has revealed that 9 out of 11 analysts expected the acceleration of the housing market in Dubai next year.

Having evaluated house affordability, analysts came up with a median of 4 out of 10 on Reuter’s scale and rated Dubai housing within the cheap bracket. In addition to this, 9 out of 11 analysts believe the affordability would either increase or remain the same within the following 2-3 years.

What Are the Best Opportunities?

Dubai provides the following investment options:

• commercial spaces
• hotels
• residential properties
• golf clubs
• resorts (incl. with SPA areas)
• service offices.

The most popular Dubai’s districts for real property investment are Jumeirah Village Circle, Dubai Marina, and Business Bay.

Tips for Novice Investors

In the UAE’s volatile property industry, changes can be unexpected and dramatic. Here we offer the three best tips for your investment.

Understand the Dynamics of Where You Are Investing

When investing in property in Dubai, you should learn more about today’s real estate trends in Dubai’s real property, historical investment data evidence, and future outlooks.

Dubai is an ideal city for new investors to test their strategies. This is due to the low cost of housing and real estate, as well as an incredibly high rental yield. In addition to this, Dubai is famous for the low real estate investments tax rate. 

Choose the Best Place and Time to Buy

The perfect time for investment is when banks offer lower mortgage interest rates and the market demonstrates an oversupply. This way buyers can negotiate on property prices.

You should never compromise on location either. Focus on purchasing investment property in an area with high demand, high rent, and plenty of amenities.

Build a Network

In most cases, the best market deals are a result of collaboration with industry experts. To communicate with them one way forward would be to visit seminars dedicated to property investments. You can get to know about them via social media and property web portals. You should adopt modern technologies to learn new things from experienced investors.

Work With the Right People

Employing the right people is always crucial. Here are the desired members of your effective team:

• Real estate agent — the head of your team and the coordinator of property sale and purchase.
• Insurance agent. Insurance claims regulation is the area of his responsibility.
• A property inspector examines the property for damages, water and gas quality, as well as other risk factors.
• Real estate attorney. Agreements and other legal documents play a key role, and real estate attorneys prepare them and assist with forming business entities.
• Real estate appraiser. This person defines the fair investment property value.
• Accountant. First, they help to choose the appropriate legal entity. Second, they calculate the taxes and do the reporting.
• Real estate investment mentor — an investor with significant experience to guide and help novice investors.
• Real estate investment partners. Their skills can be helpful in terms of finances and other complementary activities.

Each above-mentioned team member is competent in specific spheres. That is why all of them play a vital role in a successful investment.

Think of Your Finances in Advance

To invest successfully according to the country’s regulations, you should organize your finances beforehand. Determination of how much you can borrow, pay, and afford helps you narrow down the range of investment properties that suit your portfolio needs.

If you are a novice investor, you have to cover the first six months of mortgage payments. This is the period that might take you to find the right tenant.

Connect With the Right Agent

Conduct in-depth research to find a real estate agent whom you can trust. In case you have any difficulties you should apply to the Real Estate Regulatory Authority (RERA). With a reliable agent in your corner, you can get plenty of insight to make better decisions.

Moreover, once you have locked down a property, an estate agent with a good reputation offers extensive project details and assists with the buying process.

Prices for Property in Dubai and Abu Dhabi

The volatile market of the UAE is finally set to recover after many months of hardships. Here is a closer look at housing trends across the top cities in the Emirates.

Dubai

May 2021 was marked by a decline of the total Residential Property Price Index (RPPI) in Dubai by2.1%. That was the biggest fall in RPPI prices since September 2017. In particular, the apartment prices had decreased by 3.8%, whereas villas had become 10.3% more expensive. 

Abu Dhabi

Abu Dhabi has made a recovery in the real estate market sector. By May 2021, its RPPI had risen by 1.5%. The sales prices for villas and apartments showed an increase of 5.5% and 0.6% respectively.

Summary

Dubai attracts millions of people from all over the world with its highly developed infrastructure and business opportunities. In the near future, real estate prices are expected to rise. These are good reasons to invest in Dubai’s real estate.

The success of investment in Dubai’s property market largely depends on how you understand the market. Make sure you conduct proper research and use expert recommendations. By visiting Metropolitan Premium Properties, you will find the perfect object in Dubai for your investments.

The post Ahead of the Curve: 3 Tips For the Most Profitable Real Estate Investment in Dubai appeared first on Australian Times News.

This is where market research shines. 

Market research is an essential step in helping your business gain a competitive advantage. By analysing every tiny detail about the market you’re selling in, the people who buy products, and those who sell a similar product to yours, you gain a deeper understanding of how to attract consumers on your side by responding to their needs. 

Here’s precisely how market research can help you get your business on the right track and stay ahead of your competition! 

It helps you understand customers better

One of the most crucial insights market research brings to your table is related to consumers. 

Researching your target audience will help you gain insights into consumers’ pain points, needs, and wants. You’ll find out what consumers are struggling with and what type of product would solve this problem for them. You’ll also learn why consumers prefer one product over another, which can give you a clear idea of why they choose your competition instead of your business. Market research is also a fantastic way to determine consumer-specific characteristics such as demographic data, age, gender, income, values, and goals. 

Another excellent thing market research can do for your business is help you identify the best ways to reach out to consumers and promote your products. Think about it: you could have the perfect product, but if no one knows about it, it’s unlikely you’ll sell anything. So, you also need to understand how to attract consumers to buy from you. 

Now, with so many ways to reach consumers these days, it can be not easy to simply guess where you can find them and where they will be the most responsive. But, market research can solve this mystery for you. Market research and consulting services will also give you insights into where consumers spend their time online and offline. For example, you may find out that your audience prefers to get an email about your products rather than a social media ad that they find disruptive. 

Needless to say, knowing how to better respond to your customers’ needs and wants and how to reach out to them to promote your products and business will be a significant competitive advantage. 

It helps you know what your competitors are doing 

How else could you know how to overrun your competition if you have no idea what your industry rivals are doing? Or even who they are? Short answer: you can’t! 

Market research gives you a glance into your competitors’ strengths and weaknesses. You’ll be able to identify what your industry rivals are doing good and which mistakes they are doing, giving you the opportunity to adjust your business to overrun them. 

So, to stay ahead of your competitors, use market research to find out: 

• What are they doing better than you? 
• What are their weaknesses?
• How can you use your competitors’ weaknesses to your advantage? 
• What can you learn from your rivals? 

Learning more about your competitors will also teach you how to differentiate from them. It will give you a clear idea of what you can do differently and cater to consumers more than your industry rivals do. 

All of these make fantastic competitive advantages that will help your business stay ahead of the competition. 

It helps you offer better customer service  

Excellent customer service is a major advantage businesses have these days. Today, consumers are very used to reaching out to companies for whatever challenge or query they have related to a product or service. And, they expect businesses to be responsive, helpful, and fast to solve their problems. 

If you are unaware of just how important customer service is to today’s consumers, find out that 58% of them would switch companies because of poor customer service. What’s more, 89% of them would be more likely to make another purchase after a positive customer service experience. So, overrunning your competition in terms of the quality of your customer service can genuinely help your business stay ahead of your industry rivals. 

Now, what market research has to do with this? In essence, market research can help you find how satisfied are your customers and prospects with your business and products. This will give you an idea of where your customers stand when they reach out to you and how you should approach the situation. By understanding your customers’ needs, wants, and struggles, your customer service professionals can also be more empathetic when offering support. 

The better your customer services are, the more satisfied your customers will be, and this leads to increased chances for your business to gain a good reputation and benefit from word-of-mouth. 

It helps you identify new market opportunities 

Last but not least, market research is also a great way to identify new market opportunities that your industry rivals aren’t seeing and use them to innovate your business. 

Market research can show you emerging market and consumer trends. It can give you insights into what consumers want or need from a particular product and whether or not there’s a new business idea worth exploring and investing in based on what consumers want. 

Gaining all these insights ahead of your competitors allows your business to be the first to adapt to emerging trends and bring new features, products, or services to the market. 

The post How market research helps you stay ahead of your competition? appeared first on Australian Times News.

Considering that many organizations are competing for top candidates, don’t you want to be a company that gives the candidate the quick decision they desire while at the same time hopefully de-risking your process further? 

Possible Ways to Speed Up Your Recruitment Process: 

1. Gain Lead Time In Your Recruitment Process With a Talent Pipeline 

If you want to reduce your hiring time, the single best thing you can do is create a talent pipeline well before you need it – even before you have an open role. It pays to be on the lookout – whether that means attracting active candidates to your company or strategically sourcing talent. Take the Shopify team. Because they doubled down on proactive sourcing, the company scaled at an extraordinary rate -from 550 to more than 2,000 workers in only three years. 

Start attracting top-tier talent to your business with a strong employer brand and convert them through a recruiting life hack. In other words, have a form on your site where new hires can submit their contact information, social media profiles, and resume – without being attached to a specific role. By doing so, you don’t exclude great candidates that enter your site without seeing a position that immediately interests them. 

The same works for proactive talent sourcing. When you encounter a top talent and don’t have an open role for them right away, add them to your applicant tracking system anyway.

2. Decrease Time to Hire By Staying Aligned With Your HR Manager 

When new job options open up, it’s important to get on the same page as your hiring manager to ensure that you’re sending them top talent from the start. Ask your HR manager to fill in a candidate sourcing intake form so you can be clear on what the perfect applicant looks like. 

Program a kick-off meeting with your HR expert to source and review a few applicants together. This will help you get familiar with your sourcing process, better adjust candidates, and, lastly, reduce your time to screen. Additionally, you can use this meeting to debate any qualifications that are ambiguous, define the interview process, and discuss other key logistics. Excessive steps in your recruitment process, or a poorly defined role, can wreck and ruin your time to hire. 

3. Employ Advanced Tools to Manage Time to Hire 

A time management tool like Online Timesheet Portal has always been the obvious way to cut down your time to hire. It does the majority of the legwork, utilizing your existing database rather than completing everything from scratch. Timesheet portal does an easy recording of time & expenses, approval of time on multiple devices on the move, and a straightforward process for you to generate invoices and pay runs, whether you’re working with limited companies or payroll workers. These tools simply automate the process you hate while also reducing time to hire. 

4. Online Behavioural Testing  

This process allows applicants to perform simulated or real-life tasks they might be anticipated to do in the position, providing recruiters with a real insight into their skill level and predicted performance. 

Believe it or not, behaviour offers at least three clear benefits: 

1. Because the internet allows candidates to undertake this testing online at home, you don’t need to invite them on-site for testing. This is a great time-saver. 
2. Applicants will often be much more comfortable in their chosen setting, so they can perform better. 
3. Again, online testing diminishes bias because their performance is exceptionally clear for all to see based on their online results. 
4. Deliver Great Experience to Minimize Turnout Time for Recruiting Process 

Talented candidates are spoilt for choice when it comes to where they want to work and are likely to ignore your opportunity if you have a tedious application process. What’s to be done? Personally test the entire application process from job search to CV submission, to unearth ways to improve it for a great candidate experience. You may also be able to reduce your time to hire by keeping your applicants engaged throughout your recruitment process, starting with your application process. 

The average time from the moment an applicant enters your pipeline to when they’re hired is 34 days. Make sure you keep them engaged during this time, so they don’t quit your recruitment process. That could mean treating them nicely during interviews, keeping in touch with them, and pre-closing them before submitting an offer. Stick to every step of your interview process and collect feedback quickly to avoid hanging your new hires. After the recruitment procedure, keep in touch with candidates to learn how you can optimize their experience.  

Before you go…

Time to hire is an essential metric for companies that are losing productivity and revenue for every day a position remains open.

In general, an increase in time to hire over the past several years is normal – because of the shortage of skilled talent and the need for high-quality hires. Yet, there are things you can do to upscale your recruitment process and keep your time to hire in check. By constantly optimising and repeating your process, you won’t need to sacrifice quality for time. 

The post Time is Money: How to Reduce Downtime and Improve Your Recruitment Process appeared first on Australian Times News.

Open Banking Regulation in the European Union

The European Union has a document that is considered the golden standard of open banking regulation. The document is PSD2 or the Revised/Second Payment Services Directive. Ever since its adoption in early 2018, the EU as a whole, as well as pretty much every member state of the block independently, has seen huge progress in the field of open banking.

The RTS, developed by the EBA and the ECB (European Banking Authority and Central Bank, respectively) are followed by each open banking tool, corporation and business, that’s involved.

This RTS outlines requirements for customer authentication and the general processing of data, according to existing security standards.

Open Banking Regulation in the United Kingdom

Apart from the EU, the UK is the only market with a stable and working foundation for an open banking ecosystem. In fact, the UK, if we only consider individual countries, is the undisputed global leader. It issues more licenses to open banking service providers in a year than 20 EU countries combined…

Due to these facts:

• The United Kingdom has been a member of the EU for so long
• There are lots of existing economic ties
• Close geographic proximity
• The foundation for the open banking ecosystem has been established while Brexit wasn’t still enforced

The United Kingdom has a regulatory model which is very similar to what you see in the European Union member states. All of the directives and the regulations are mainly just adapted versions of their EU counterparts (e.g. UK-RTS instead of just RTS). Just as in the European Union, in the United Kingdom, APIs of open banking have to meet the demands in terms of personal data security, reading and writing APIs, directories, DCR, and management information reporting, amongst others.

Open Banking Regulation in the Rest of the World

It’s hardly a surprise to know that open banking regulation in other parts of the world is either based on or at least somewhat similar to the EU and UK standards. Australia, Singapore, Mexico, and other countries have been trying to implement or at least measure the impact of this technology but have all been quite slower than the European block. In countries with no true regulatory model in place, we have the open market approach where developers and financing companies can do more to influence the state of the market.

Who is Responsible for These Regulations?

If you want to know who has the most influence over banking, you have to look at the legislators and the law makers. For now, the obvious frontrunners are the EU and the UK which we so often mention.

For the EU and the EEA, it all starts with the top banking authorities – ECB and EBA. They monitor the market and use recommendations from their own experts and parliament members. Then, the designated regulation implementation and monitoring duties are delegated to responsible local authorities.

In Germany that is the FFSA (Federal Financial Supervisory Authority), in Italy that’s the Bank of Italy, etc. They issue licenses and monitor the status of the market continuously. 

The post Open Banking Regulation in the EU and Around the World appeared first on Australian Times News.

While there are still Tier 2 visa routes (such as the minister of religion and sportsperson visa) available, the General category of the former UK work visa has been replaced with the Skilled Worker visa. 

Both visas are intended to enable workers in skilled positions to immigrate to the UK. The Skilled Worker visa has lowered the requirements for entry in many areas. Overall, the Skilled Worker visa provides an easier route to working in the UK for those outside of the EU, as all nationalities undergo the same selection process and apply for the same visa. 

Mandatory requirements for the Skilled Worker visa

The Skilled Worker visa is points-based, with points being awarded for meeting particular criteria. Prospective workers need to reach a minimum of 70 points, 50 of which are received from three mandatory factors. These factors include:

• A job offer from an approved company 
• A job at an appropriate skill level
• Speaking English at the required level 

Nationals from a majority English speaking country do not need to prove their knowledge of English, many will obtain 10 “free” points. The rest of the points are “tradeable” and look at factors such as salary, the demand level for the position, and whether the position requires a PhD. These tradeable factors are where the requirements between the old Tier 2 and the Skilled Worker visa start to change. 

Skilled Worker visa’s new skill level and its benefits

The Tier 2 visa scheme required that the role was equivalent to a role at RQF level 6, equivalent to Australian Qualification Framework (AQF) levels 7 and 8. This was limited to bachelor’s degrees, and honours degrees, graduate certificates and graduate diplomas. The Skilled Worker visa lowers this requirement to RQF level 3, the equivalent of AQF level 4, a certificate IV. The certificate IV loosely translates to a “range of specialised knowledge and skills in a carried context”. There are sites about the AQF 4 qualification level and the difference between a certificate III, certificate IV and a diploma, if you are uncertain. 

The new salary requirements for the Skilled Worker visa 

The generic salary requirement has been lowered from £30,000 to £25,600. Applicants will need to earn the going rate for the position, or the minimum salary requirement of £25,600, whichever is higher. If an individual earns less than £25,600, they may still qualify if they can claim tradeable points for their salary, for example by having a PhD or being a new entrant (as defined by the UK Home Office).

Removal of the cooling off period

Previously, if you held a Tier 2 visa and left the UK, you would’ve had to wait 12 months before you were able to apply for another Tier 2 visa to return to the UK. This was known as the “cooling off” period. The Skilled Worker visa is not subject to a cooling off period, and does not place a limit on the amount of times the visa can be extended. After five years, you may be eligible to apply for indefinite leave to remain (ILR). Should you not qualify for ILR, or do not wish to apply, you may continue to extend your Skilled Worker visa.

Those who have come to the UK on an Intra-company Transfer (ICT) visa, can now look for work with other companies who can sponsor migrant workers. Similarly, the cooling off period no longer applies and what’s more, the application can be made from within the UK. 

Recent graduates can take a similar path to work in the UK. If you are currently on a UK Student visa and have graduated, you can apply for a Graduate visa that will allow you to work at any skill level. The Graduate visa is valid for two years (three years for PhD students). During this time, you can look for work that will allow you to be eligible for a Skilled Worker visa. This pathway isn’t subject to a cooling off period and because they studied at UK institutions, their English proficiency is already proven.

Other benefits to the Skilled Worker visa

Removal of Resident Labour Market Test

UK employers no longer need to conduct a Resident Labour Market Test before employing migrant workers. This means companies no longer need to advertise job posts for 28 days in the UK before being able to accept applications from foreign nationals. 

No cap on the number of applications

Unlike the Tier 2 General visa scheme, there is no limit on the number of people who can apply for a Skilled Worker visa from outside of the UK per year.  

More work opportunities

The main benefit of the change in the skill level requirement is the access to jobs previously excluded from the Tier 2 visa scheme. The lowering of the skills level allows UK companies to source a range of technical skills from abroad, such as companies dealing exclusively with roles at RQF levels 3-5. The lower salary threshold opens more possibilities of working in the UK, similar to the change in skill level. The skilled worker eligible occupation list includes careers such as woodworkers, sales administrators, metal machining jobs, amongst others. An increase in the candidate pool can lead to both an easier recruitment process and an increased output quality. 

Finding visa information is difficult and figuring out which is the best for you is even more challenging. Contact our parent company, Sable International, to get in touch with our team of immigration and visa specialists. We can help you with your specific situation and get you to the UK effortlessly.

The post The new UK Skilled Worker visa vs the Tier 2 visa: Differences and benefits appeared first on Australian Times News.

Forex trading was once something that was done over the phone, by fax, or even by email. It usually involved liaising with a trader or a broker that would execute trades for you, often taking a cut. This process left many traders feeling ripped off or even deceived, especially when trades didn’t go as expected. But in recent years, online trading has become extremely popular by giving the individual back the power to trade as they wish.

Today there is an increase interest in Forex trading in Australia, driven by the need for financial independence but also curiosity about the markets. Forex has had a bumpy few years, and currencies have peaked and troughed wildly, resulting in many being keen to place trades. This online method, when combined with learning about trading at a personal pace with various resources and trading tools, is expected to continue growing in popularity in Australia and beyond.

Non-conventional Banking Solutions

Another element of the digital financial revolution relates to the proliferation of online-only banking solutions. In Europe, Revolut and Wise caused a storm as millions of high-street bank account holders upped sticks and switched. They are now both available in Australia, and they are being welcomed by consumers.

These apps offer full control of current accounts, savings, cards, account details, and currencies from a mobile app. There is no need to visit any branch or call up and wait on hold for hours. Instead, everything is controlled with a swipe of the thumb. Other benefits include low transaction rates, minimal ATM withdrawal fees, and instant transfers.

New Payment Methods

According to data processed by Commonwealth Bank, the usage of eWallets in Australia jumped by 90% in just 12 months up until 21 March. Furthermore, the amount of money transacted through eWallets rose by a staggering 100%, making it one of the leading forms of contactless payment in the country. With a value of around AUD 2.1 billion, this has made merchants sit up and take notice. More and more are now offering payment methods such as Google Pay, Samsung Pay, Apple Pay, and FitBit Pay.

Consumers are using these wallets to make regular daily payments such as filling up the car, paying the water bill, or buying a train ticket. If the sector continues growing at the current rate, by the end of the year, they will be the most popular way to pay. The use of digital wallets empowers users to move away from credit cards, be more secure when they transact, and pay on their terms in an instant way that’s most convenient to them. 

These are just some of the ways Australians are becoming more financially empowered and independent. The continued expansion of the internet and the way in which other technologies interact with it will create a much more decentralised, fair, and open financial future.

The post How Australians are taking back their financial independence appeared first on Australian Times News.

1. Dubai has consistently been recognized as one of the safest cities in the world to live and visit. According to the National Analytical Center for 2019, 96.1% of UAE citizens said they feel completely safe here, and once again rated Dubai as the safest city in the world.

2. In Dubai, you can fly across the sky over the picturesque harbor on the world’s longest urban zipline. The 170-meter high platform allows extreme sports fans to zip over land and water from the Amwaj Towers skyscraper to the Dubai Marina Mall at a speed of up to 80 km / h.

3. Skyscraper Burj Khalifa boasts the fastest elevators in the world – they move at a speed of 10 meters per second, and in just one minute the elevator delivers visitors to the observation deck on the 124^th floor.

4. The giant Ferris wheel, Ain Dubai, located on Bluewaters Island, is the largest in the world. Its height is 210 meters. The cabins offer 360-degree views of Dubai’s urban landscape, including the Burj Al Arab Sail, Palm Jumeirah and Burj Khalifa. When completed by the end of the year, Ain Dubai will have 48 capsules, each with a capacity of 30 passengers. If you are planning to buy property it this region you can get a picturesque view over you future property and find property in Palm Jumeirah.

5. The world’s tallest four- and five-star hotels are located in Dubai. The Gevora’s pointed spire ends at 358 meters, and the JW Marriott Marquis, the tallest five-star hotel, rises up for 355 meters.

6. Camel meat, a popular dish in the Emirates, can be found in restaurants menus in Dubai. Small shops like Nouq Dubai also sell camel milk ice cream. Camel milk is known for its nutritional value and low-calorie content, making it suitable for people with lactose intolerance.

7. The waters of Dubai are home to many marine lives, including the endangered Bissa tortoise. The Dubai Turtle Restoration Project has been working to protect the species since 2004. During this time, more than 1950 rehabilitated turtles were released back into their natural habitat.

8. Coffee is a very important drink in Arab culture. Emirati coffee differs from any other type in the addition of spices such as saffron and cardamom, as well as in the way the beans are roasted. Traditionally, Arabic coffee is served from a dallah (coffee pot) and poured into small cups (finjan). Shaking the cup means you have drunk as much as you wanted and you do not want to add more.

9. Prior to the oil and tourism boom, Dubai had a pearl-mining tradition that brought a lot of income to the city. During the 19th century, more than 300 sailing ships were based in Dubai Creek, which were used by pearl seekers.

10. The Dubai Metro, with a total length of 75 km, is a great way to travel between city attractions including the Burj Khalifa, Palm Jumeirah and Dubai Marina. In 2016, the Dubai Metro was recognized by the Guinness Book of Records as the world’s longest automated metro.

Ax Capital will help you buy property in Dubai

If you want to learn more information about Dubai before buying property there, visit our website: https://www.axcapital.ae/. You will be surely surprised how many interesting facts are hidden from the eyes of an ordinary Dubai tourist. 

The post Multifaceted city of Dubai: from amusement to property appeared first on Australian Times News.

Knowing how to navigate and build a strong international business relationship will help your business grow and make sure you never get sued during a disagreement, such as a breach of contract, if the relationship goes south.

To help you achieve the best relationship possible, we’re going to share five essential tips that will help you create a strong business relationship with an international company.

How Do You Create a Strong International Business Relationship?

Creating a strong business relationship internationally is similar to doing it domestically, aside from a few differences. Here are five ways you can ensure a strong international business relationship:

1. Build Rapport

Building rapport is especially important when you’re forming a relationship across cultural boundaries. Try reading up on your new market and learning about its customs and history so you have a better idea of how to approach conversations with your new business associates.

You could even spend some time in the country you’re expanding into so you can see first-hand how relationships are formed.

Once you’re conducting business with someone in this market, you can start to learn more about them. Ask yourselves questions about what hobbies they have and what they have done in their personal business career that you can talk to them about. 

If you do visit the country, invite them out to a meal or a fun activity you know they’d be interested in.

Taking the time to create a real relationship with your new associates that extends beyond the immediate boundaries of the business you’re doing together will help you build stronger bonds as international business allies.

2. Be Transparent and Honest

If you’re honest, transparent, and tell it like it is, you will appear much more credible in the eyes of your new international business associates. 

This means never lying to your partners in the short term to make situations easier on yourself. If there’s a difficult conversation to be had, be upfront instead of ignoring it and allowing it to become a bigger issue than it needs to be.

You also need to be open about what your company stands for and what you’re looking to achieve from this new relationship. Tell them who owns your company, how much you turnover each year, who your major clients are, and explain any key projects you’re currently undergoing.

Being honest and open from the get-go will provide your new international business relationship with the strong foundations it needs to grow. 

3. Set Realistic Expectations

In the same vein as the last tip we shared, setting realistic expectations is the best way to make sure your international associates are never let down and your relationship isn’t tarnished.

No company, foreign or domestic, likes it when expectations aren’t met. It doesn’t matter whether it’s a deadline, a product specification, or the outcome of a new release, if your associates have an expectation of you that isn’t met, it will be bad for your relationship.

Telling your new international business associates that you expect to be a market leader in two months might seem a bit fishy and if you miss that deadline, it only compounds the issue. Make sure not to oversell yourself and be realistic about your business forecasts.

4. Listen to Their Advice

When it comes to forming a strong international business relationship, the conversation must go both ways. You will know your reasons for partnering with them, but why not ask them why they want to undergo business with you? 

Learn what their goals are and what motivates them as a company. Once you have that information in your back pocket, you can make sure that whatever business you’re doing with them aligns with their goals.

Not only will this help you build a strong relationship with your international allies, but it will also prevent you from falling into the trap of assuming what works for you at home will work in a foreign market.

5. Own Up to Mistakes and Correct Them

Everyone makes mistakes in business, and this is especially true when you’re venturing into new territory. Contrary to popular belief, the mistakes themselves are usually more understandable to a business associate than the way they’re handled.

Trying to cover up or downplay a mistake you’ve made will only convince your international business partners that there are other things you’re covering up.

Instead, you should gracefully admit to any failing on your part and explain what went wrong in a way that your new associates can understand. If you find yourself in a position where you’ve over-committed to something and can’t deliver, inform your associates as soon as possible, apologise and make a new promise that you can achieve.

Not only will this give your associates more reason to trust you, because they know that when you make mistakes they’ll be informed immediately, but it will also encourage them to do the same. Take ownership of your mistakes to build better business relationships.

Are These the Only Tips for Creating a Strong International Business Relationship?

In this post, we’ve shared our top five tips for building a strong relationship with an international business associate. 

As with all advice, these tips aren’t the only ones out there, but they are the main things you need to get right if you hope to build strong business relationships abroad. All you have to do is get to know your new associates’ national and business culture, be open with them about your goals, listen to theirs, set realistic expectations, and own up to your mistakes.

The post 5 Tips for creating strong international business relationships appeared first on Australian Times News.

Australia’s buoyant economy, growing population and increased trade footprint are driving an unprecedented need for investment in, and better use of, infrastructure.

Innovative financing approaches are having a greater role in Australian infrastructure development and the PPP model, encouraging private sector investment and ensuring Australian taxpayer dollars are efficiently used.

It is also perceived as a country with economic stability where it is easy to do business.” Reza Abbaszadeh decided to expand his investments towards 2 lucrative construction project pipelines in Australia in July 2021. 

• Sydney Metro City & Southwest

The NSW Government is planning Stage 2 of its Sydney Metro project, the Sydney Metro City & Southwest rail line. Due to open in 2024, the 30-kilometre rail line will include approximately 12.5 kilometres of twin rail tunnels, as well as an underground Sydney Harbour crossing and CBD rapid transit line.

• Canberra University Hospital 

The ACT Government plans to build a 140-bed sub-acute hospital on the campus of the University of Canberra. The facility will provide a range of rehabilitation services, treat various mental health conditions and provide targeted care for ageing Canberra residents.

Reza Abbaszadeh believes that Australia’s revenue in the construction sector is forecast to grow by an annualized 2.4 percent, rising to a record A$414.7 billion over the next five years. So, it seems to be a great opportunity for Abbaszadeh Enterprises to be engaged in this process.

As an underpinning for economic growth, infrastructure development is a priority for Australian governments. Infrastructure planning and innovative financing play a prominent role in public policy. The Australian Government has committed more than A$50 billion for current and future investments in public infrastructure, between 2013–14 and 2019–20 onwards

This is in addition to significant investments by state and territory governments and the private sector. Australia’s strong economic credentials, transparent business environment and substantial pipeline of projects provide the ideal conditions for companies to finance, construct, own and operate major infrastructure assets.

Reza Abbaszadeh the founder of Abbaszadeh Enterprises and BaxBeauty app, had no investment of any kind in Australia before and this is a huge step for him as his first measure in this country.

The post Multi-Million investment of Reza Abbaszadeh in the construction sector appeared first on Australian Times News.

Remote jobs online provide flexibility of working hours. Individuals can work at any time and any place in the world. With the advancement of time and technology, more employees are required to perform the tasks efficiently. It becomes easier to accomplish the tasks remotely because of increased employee comfort and work time flexibility. Whereas, on-site jobs have defined schedules and timing and the worker has become more punctual for it.

Communication among the team members, subordinates, and managers is made through phone calls and messaging during remote jobs. Communication during on-site jobs is difficult because the employers have to define the meeting agenda, schedule, and place. Communication in a remote working environment is done through chat, email, phone, and regular meetings which is comparatively a Quick method of communication. Today, remote software developers and workers have made revolutionary changes in the market through their data collection, manipulation, interpretation, analysis, technology, and conclusions. They are hired by different corporations to resolve problems by combining the skills of computer sciences, mathematics, business, statistics, the science of modeling, and analytics.

Internet websites are the primary source to get remote jobs online. For this purpose, Hire with together is one of the top-ranked US-based websites due to its uniqueness and creativity. The platform aims to unite a team that associates remote software developers globally. Due to this the project do not confine itself to a few miles but searched for talent throughout the world. As a consequence, highly competent and skilled professionals are selected and the quality of the work is enhanced. Through the website, talent from the world’s top countries such as Colombia, Canada, China, India, Pakistan, United Kingdom, Russia, Ukraine, Brazil, and Ireland can be easily explored. 

Remote dot co, and FlexJob founded by Sara Sutton, Upwork and Remote OK offers various services of remote jobs online. The job listings are updated promptly for better job opportunities.

Sometimes, it becomes difficult for software developers and other employees to travel from their homes to their workplaces. Also, the offices have to accommodate its workers due to which the costs can be raised. A remote job environment can provide facilities to both employers and employees. Some companies prefer contract-based remote working whereas, some hire remote developers and provide the company’s benefits to them. These employees are treated as the company’s workers. The high exchange rate of the United States Dollar has also increased remote employment throughout the world.

Remote working is better than on-site working because many individuals have to travel from one country to another or from rural areas to urban areas for job opportunities. This ultimately raises the accommodation costs of people. Remote working allows individuals to work from any part of the world at any time which increases job convenience. Whereas on-site workers have to be at the job site on time and travel expenses are increased. 

Requirements for remote working are also less than on-site working. An individual has to dress up appropriately for a 9 am-5 pm job. The skills of time management, empathy, problem–solving, digital technology usage, and oral communication are some of the only skills needed to perform remote jobs. Important skills that are considered in hiring remote developers are the analytical, mathematical, and statistical skills of the candidate. Some companies also test the connection and internet speed for the candidate which is included in the eligibility criteria of a particular job. Therefore, companies that hire remote developers should prefer candidates who are fast learners, effective communicators, patient, self-motivated, organized, and have an urge to learn novel methods for their remote environment.

A remote work medium benefits in terms of expenses and ease. Thus, the governmental bodies and businessmen should introduce novel methods of remote jobs for young individuals and the firms should hire remote developers.

The post How is remote working better than on-site working appeared first on Australian Times News.

1. Dark Mode

The Dark Mode has been available for many popular websites for years now. Facebook, YouTube, Instagram, and many other websites already allow users to change the background from white to black. However, Dark Mode has become very popular in 2020, as large brands adopted the practice to offer a better user experience and help highlight the essential elements on a website. 

Today, many websites include the Dark Mode because it not only looks elegant, it also increases contrast and even saves battery life for mobile devices. Most websites allow users to switch to Dark Mode at will, and it’s undoubtedly a practice we will see on more and more websites in the near future.

2. Collage

Collage is a popular way of creating art on social media, and it is quickly becoming popular among website owners all over the world. The method has made a big comeback after it became popular among digital artists and influencers. Today, many brands and professional designers use collage to present new products and reach out to the public.

Most artists create collages from multiple photos, graphics, illustrations, and some text, to create a memorable image that stays with the viewer for a long time. Today, many designer software allows quick and easy collage creation, and the results are truly inspiring. Furthermore, collages work perfectly with minimal UX design, which is why it’s going to be one of the most popular trends of 2021.

3. Minimalism

Minimalism has been around for over 50 years, but it was mostly used in interior design and architecture. However, the need to keep things looking clean and organized has spilled over to the internet. Many websites decided to adapt the technique to provide a clean-looking user experience. 

The design focuses only on the most critical elements, such as text, basic shapes, and limited color use, with plenty of space in between. A minimalistic design is becoming popular because it improves website usability and functionality by making things as simple as possible. More and more websites adopt this type of design because it’s very elegant-looking and easy to navigate.

4. Illustration

The illustration feature is making a massive comeback in 2021, as a vast number of websites, social media, and graphic designers started using them in their campaigns. The illustration is an excellent technique that allows designers to express their artistic views while creating business websites. There is something special about hand-drawn images, and website owners seem to understand that.

Illustrations allow designers to add a personal touch to a web design, making the website more unique and memorable. 3D illustrations are also popular lately as web creators use them to help visitors better understand what a particular website focuses on. 2021 is going to be a strong year for illustrations.

5. Functionality and Accessibility 

Website functionality has always been one of the most important features of every website. However, as mobile devices became primary for surfing, websites faced all kinds of challenges. Today, the websites with the fastest loading times, page speeds, and responsive design are much more successful than traditional methods. 

Today’s focus is on creating functional, accessible websites that are easy to navigate so a wide range of users can find their way around. With the right use of colors, focus, labels, and copy, the way we see websites will change forever in 2021. 

Visit the Best-Looking Websites in The World

Thousands of websites keep up with the latest trendy features, and you can visit them to find inspiration for your website development. However, depending on where you live, you won’t be able to access all websites. Some of them have geographical restrictions or fall under censorship laws. 

If you want to make sure you can open any website regardless of where you are, download a VPN, and you can stop worrying about geo-restrictions. It’s free, easy to use, and very effective when it comes to bypassing censorship and accessing websites from all over the globe. Get inspired by digital art from across the globe now and prepare for the rollercoaster journey in 2021. 

The Bottom Line

Website design is still evolving and improving. After more than 20 years of experimentation, designers have perfected their game, leading to some excellent solutions that keep advancing the niche and online business as a whole. 

Implement some of these design elements above, and make sure that your website follows the latest trends to get the best exposure and make sure that you’re a step ahead of your competitors.

The post Web design trends in 2021 appeared first on Australian Times News.

Benefits of Neon Signs for Business

When someone mentions the phrase neon size, you might be customised to think of large, bulky, expensive, beer signs that caught your eye from your local pub or tavern. People are under the impression that neon signs are expensive and unhealthy. That may have been in past days, but not anymore. 

Everything is available in Neon

No longer is Neon simply for brews. It is being used for everything from Weddings and Bar mitzvahs to Prom Invitations and more. If you can think of it, it can “GLOW”.  With that in mind, think of all the ways you can improve the inside and out of your new business. When you use the best neon signs available, you will find they are now priced very reasonably, are handmade, last longer, and are safer than previous models of glass and neon.

Affordable

Since they are handmade, custom ordered, any shape and size, the designers work within your budget. The Designers work with you to create your one-of-a-kind neon sign or signs free of charge. 

Custom Designed

Choose from thousands of already pre-created choices in one of the best custom neon signs many collections, or you create your own work of art. You can choose to work with a designer to get the exact look you want with over 55 fonts and 21 colors. The company with the best neon signs offers more choices than any other company on this side of the globe!

Long-lasting

Remote-controlled and electrically charged allows for the LED neon lights to last for years, but all the products come with a year-long manufacturer warranty. However, because all these products are of the highest energy-efficient resources, they have longer longevity than every other neon light previously made. 

Safest model

The best neon signs use flexible LED with acrylic material, ensuring customers 100% safety, without the use of glass, mercury, or actual neon. 

Imagine being able to affordably advertise when your business was having a “Sale”, or “Help Wanted”. Say whatever you need to market in the beautiful glow of highlighted colors. Whatever your brand is, whatever you are marketing, say it with the help of one of the talented designers at the best neon sign store. They are the whipped topping on your Café sign; they will get you noticed. And when you are noticed, sales increase, making the initial investment of beautiful, bold, neon lights, the right one.  

One doesn’t need to make it to Broadway to see their name up in lights, all you need is one of the neon signs blazing your name and product perfectly! 

The post Attention-Grabbing: The best custom neon signs appeared first on Australian Times News.

Pick out a niche-specific domain

Unless you are creating a portfolio website for yourself, you need to be mindful of the domain that you are investing in. The last thing you want is to create a website with a domain that is hard to explain and even harder to pronounce. So, instead, spend your time looking out for domains that are short, crisp, and easy to remember. Also, try to base it around the niche of the website you are focusing on.

Focus on the hosting service

Another factor that is worth considering is the hosting service you are investing in. Reading through the netim hosting review is a good place to start. However, we’d recommend that you look out for all your available options before you deep dive into selecting one. Make sure that you always stick to buying hosting tangible services, come with a good price, and also offer a good range of accessory features, especially when it comes to security.

Have the content written

One of the biggest issues with starting a website is the content. Often, people are enthusiastic about starting their website, only to end up not having any content drawn up for the website. That is the last thing you want to experience. Instead, whip up the rightful content first and then launch your website when everything is ready and all set to be published.

Focus on security features

One important thing about websites is security. While not every website owner wants to invest in an HTTPS domain prefix, you can get a hosting solution that will take care of the same for you. Going through the Netim review will give you a better idea of things and help you manage them without issues. If your hosting is top-notch, you wouldn’t have to worry about the security of the website as much.

Be consistent

Maintaining a website is no joke. Not only do you need to be mindful of the content you are posting, but you also need to look out for the frequency you are posting the content in. Don’t expect good engagement if you are going to post once every few months and call it a day. Instead, focus on being consistent with the content that you are sharing on your platform.

Creating a website requires a lot of factors that you need to be mindful of. From the overall layout to the cost, it would come with. We have tried to shortlist all the important factors, with hopes that you’d have no issues finding the best for your needs.

The post Five important things to know about before starting your website appeared first on Australian Times News.

If you are not careful, however, you might end up paying more than you should. Fees charged for sending money overseas can be high. If you are sending money from Australia, it is worth investigating various providers to make sure you get the best deal.

How to choose a forex provider:

Before you choose a forex broker, you should figure out what your needs and goals are. There are many factors worth considering. One factor that is often overlooked is the benefit of using a local Australian forex broker for your Australian money transfers. 

Why use an Australian forex broker? 

Many large, multinational, forex brokers are based in the USA, which introduces a frustrating and large time difference. This can prove more than a simple inconvenience if something goes wrong, as you will not be able to resolve issues in real-time. The resulting delays can also have costly knock-on effects, like bookings being cancelled and deposits lost.

Having someone local who you can get on the phone with can make a huge difference to your peace of mind.

Your forex broker should always meet these standards:  

1. Ensure your brokers are fully licenced and registered
   
   Before you give a broker any money, you should ensure they are fully licenced and registered with the correct regulatory institutions. A professional-looking website does not always translate to regulation with the relevant authorities – so it’s best to get the registration number and do your research. You don’t want to take any chances when it comes to your finances.
   
   Australian forex brokers should have an Australian Financial Services Licence (AFSL) issued by ASIC to deal in foreign exchange and be registered with the Financial Conduct Authority (FCA) as an authorised payment institution. 
   
   Furthermore, any online portal should also use Secure Socket Layer (SSL) 128-bit encryption to protect your transaction details. This 128-bit encryption is the latest and strongest data encryption technique commercially available for securing information between you and the broker.
   
   
2. Ensure your forex brokers offer a range of services
   
   You ideally want to use an international payment specialist that provides access to a wide range of currency tools in addition to offering simple transfers from point A to point B. 
   
   Exchange rates fluctuate constantly, sometimes by 2% or 3% in a single day. Keeping an eye on the rate can be time-consuming and confusing if you’re not familiar with the currency market. Some forex providers will monitor exchange rates on your behalf and keep you informed of the latest developments so you can make your transfer at the optimal time.
   
   You preferably want to work with a provider who offers services related to stop-loss, limit orders and forward contracts. Forward contracts can be a particularly good hedging tool when looking at currency pairs. The interest rate differential between two currencies means that forward points can be assigned when booking it in advance. As such, you can book a transfer up to a year in advance, better than what the spot rate is that day. 
    
3. Consider the customer service
   
   Forex trading occurs 24 hours a day, so customer support should preferably be available at any time. You’ll also want to make sure that the forex specialist offers direct access to the customer service team (of real people) so that you don’t get stuck talking to a chatbot or receiving automated email replies when you have a business-critical query. 
   
   Many larger forex companies have almost non-existent customer support and have thousands of clients left with problems if their account gets closed without warning or their money does not arrive, and they have no one to turn to. 
   
   A quick call to a broker can give you an idea of the type of customer service they provide and average wait times. However, sometimes the forex broker you deal with will be helpful and efficient during the account opening process but will then offer terrible after-sales support. Check reviews online and testimonials from clients to make sure the company has a long-standing track record of great, personalised customer service. 

Make the best decision when sending money oversea

Whether you want to send money to South Africa from Australia, send funds to the UK, or anything in between, at the end of the day, you want your money transfers to be done at the best possible rate and as quickly as possible. Working with an expert can ease stress levels and save you money in the short- and long-term.
Sable International is known first and foremost for its incredible customer support, with over 97% of customers on reviews.io recommending the company. Sable International has offices in Australia and can help with all your forex needs quickly and efficiently.

We are based in Australia and offer a full suite of foreign exchange services to suit your needs. For a free forex consultation, call us at +613 (0) 8651 4500 or email us on forex@sableinternational.com to get started.

The post Why you need to use Australian forex brokers for sending money overseas appeared first on Australian Times News.

Check the rules

The first and most important act for businesses is to make sure they thoroughly understand the rules where they are, so they comply with all mandated restrictions, but also so they do not unnecessarily restrict their businesses. Non-essential shops in Melbourne can currently only open on a click-and-collect basis, but in regional Victoria, they can open with restrictions on the numbers of customers on the premises. These differences can be found across all industries, so check the rules to understand the implications for your business.

Managing staff

While some industries may be able to keep their employees working as normal, for many others, a lockdown means change. If lockdown means a temporary closure of the business, you will need to decide the implications for the staff and whether it is possible to keep them on the payroll while the lockdown continues.

Other businesses may be able to adapt their work to comply with the restrictions. For example, restaurants may be able to move to a take-away basis to continue to operate and minimise the number of employees not working. With the job changing, it is important to keep on top of ensuring your employees fully understand their new roles.

The pandemic has seen a rise in the number of employees working from home. If this is how your business is able to keep operating, you will need to make sure your employees have the necessary equipment and space to work effectively. The vast majority of employees are keen to make a success of working from home and will continue to produce their best work. However, in some cases, you may need to monitor work closely to ensure that even from home, your employees are working their contracted hours. Away from the work premises, you may also need to be more aware of possible employee alcohol or substance abuse. Matrix Diagnostics is a company that offers laboratory drug testing from samples of urine, hair or oral fluids with rapid turnaround, so businesses can quickly find out if drugs or alcohol are a problem for their employees.

Hygiene

Since the beginning of the pandemic, it has been known that good hygiene methods are key to reducing the spread of the disease. If staff or customers are continuing to be on your premises, you will need to make sure you can maintain the highest standards with good supplies of hand sanitiser, regular opportunities for hand washing and monitoring the wearing of masks and social distancing.

While the pandemic will continue to challenge businesses across Australia, by keeping on top of the rules, staff management and hygiene, you may be able to reduce the impact on your business.

The post With lockdowns extended in some Australian cities, what should businesses consider? appeared first on Australian Times News.

Yet, when planning how to build a CV, following the right steps can make a significant difference in the performance of your job search. 

Whether you’re finding a job in Australia or further afield, there are 10 key points to consider when you commit your experience and skills to paper. Below we’ll look at each of them in detail.

Plan your design carefully

Don’t worry. You don’t have to be a designer to create a CV. There are only a few styling tips you should really keep in mind. These include the following:

• Add a little neutral colour to your template
• Keep everything tidy and organized
• Use a clear structure that’s easy to navigate
• Write in a consistent font size and style
• Don’t rely too heavily on fancy bespoke graphics  

The most important thing to remember is that it’s the words on the page that count more than the flair in your design. Don’t forget there are also plenty of online tools to help you get this right if you don’t quite trust your own handiwork.

Read the job description thoroughly

Another very important starting point is to look over the job description of a possible role very carefully. This will help you get a clear idea of what you should focus on in your CV. 

Of course, a good number of recruiters spend less than 30 seconds checking applicant files. This means you’ve got only seconds to show that you’re a good fit! 

For example, it’s no good to include skills in cookery on your CV if you’re aiming to get a job in IT.

Reading the position outline from top to bottom will help you ensure that you don’t end up in the reject pile at the first step of the hiring process.

Prepare your most hireable achievements

Once you have a better idea of what the recruiter wants, you’ll be able to source your most employable achievement or skill for the specific job. 

Ideally, you should focus on key examples of where you made a positive impact on the performance of your company. This might include examples of the following:

• How you saved the company money
• How you increased revenue
• How you improved internal performance
• How you interacted with other departments and stakeholders 

Alternatively, depending on the job, you can draw attention to any special skills or qualifications that you hold that might set you apart from 90% of the other candidates.

The most important thing is to show why you are exceptional as an employee. This will always depend on the specific job you’re targeting so make sure to plan this with that in mind.

Decide on the most effective sections

The sections you decide to include in your CV can also have a big bearing on how well your document does. How you organise these will affect what the recruiter reads first and how fast they make a decision on whether to advance you to the next stage.

In addition to your contact details you’ll need to include 4 core sections which are as follows: 

• Career summary
• Work experience
• Skills
• Education

You can also add additional sections where appropriate detailing information on your certifications, languages spoken or personal hobbies or interests. These can be added and deleted as necessary depending on the requirements of the job and where they can mark you out as a uniquely qualified candidate.

Craft an outstanding introduction summary

As we’ve already mentioned, you might only have a few seconds to catch the employer’s eye. However, the career summary at the top of the page can help you make sure you don’t miss out.

This is just a short 2-3 sentence summary but it can give the recruiter a really good idea of how well suited you are for the position on offer and how your goals align with the company’s needs. As before, this needs to be carefully written to respond to the precise needs of the employer. 

Choose a few headline achievements and skills that will get the reader interested and keep them looking at the page.

Work your work experience section

Now we’re into the real meat of the CV. The work experience section is probably the most overall important part of any professional application.

It demonstrates that you have actual expertise in doing the job that’s being filled as well as how recent those abilities are.

Each job you list should be added in reverse chronological order (most current to oldest) to make sure your recent experience stands out. For each job you list try to include up to 6 short bullet points explaining what you did, what skills you used and how you achieved results.

Sometimes less is more in this section. You don’t need to include every single job you’ve ever had. Try and just list the most relevant examples and don’t trace your history back more than 10 years unless there’s a good reason to.  

Select effective skills

Your skills section is another area where you can easily get the recruiters attention. This too needs to be tailored to the job to make your expertise stand out fast.

For this can simply add the skills you have as quick bullet points. Around 5-10 should be enough in most cases.

Depending on the sector you work in you can use examples of hard skills you hold such as experience with relevant software and hardware, engineering or design skills or specific management abilities.

However, don’t forget to include a good number of soft skills too. Intrinsic abilities such as being flexible, multitasking, organising or communication are highly sought after. 

It’s estimated by LinkedIn that around 91% of employers are placing their focus on hiring individuals with solid soft skills. Therefore these can be your ticket to easy success if used right. 

Add enough education for your career level

Your education section plays a significant role in your CV’s success. However, how important a part it plays depends on where you are in your career. 

If you’re fresh out of school or uni you’ll lean more on your education section than other areas. Whereas the further you are into your career the less effect it will have on your overall success.

However, no matter the situation, you should always include your most recent and highest qualification at the very least. You may also choose to include any other earlier educational achievements but these should only be mentioned if they give you an edge in a specific application.  

Show off a few additional achievements

It’s not just about work experience, skills and education to make your CV a winner. Other special traits that you can bring as a candidate can help push you into that top percentile of applicants.

This is highly dependent on the job you’re targeting but if you have an extra achievement that is relevant to the position, don’t be afraid to show it off. This could help get you in contention.

You might wish to add a certification that fits the job spec or even mention any awards you won in previous positions. Little touches like this can sometimes make all the difference. 

Check for mistakes

Even if you’ve written the most qualified CV ever penned mistakes will get you booted out of hiring processes. This is an easy way to slip up even if the contents of your document are absolutely flawless.

Therefore make sure you read through everything carefully after you’ve finished building your CV to be absolutely certain that no niggling spelling or grammar errors sneak through. Quickly proofreading everything can sometimes make a crucial difference.

Download your file in a recruiter friendly format

Last but not least, make sure your file is saved in a recruiter friendly format before you send it in. Ideally, you should make sure this is an easily machine-readable file type such as PDF or TXT.

This is especially important these days as more and more companies make use of applicant tracking systems (or ATS) to manage the volumes of CV they receive. These can be pretty ruthless in cutting applications that aren’t easy for machines to interpret thanks to elaborate graphical elements or bespoke fonts. 

Using a clean design and an easy to parse file format is the best way to avoid this from happening.  

As you can see, the most important running trend in getting a CV right is making sure you edit it carefully for the job you’re applying for. Employers always want to know what’s in it for them and by showing the clear benefits of them hiring you the faster you’ll get called in for interviews.

The post How to write a CV step by step: 10 top tips with examples appeared first on Australian Times News.

Most labour hire companies aim to meet two requirements for a company or project. To reach a deadline, a temporary worker is hired for short assignments. And to free up time that would otherwise be spent advertising, screening, recruiting, and preparing paperwork for another appropriate employee. 

However, not all labour hire suppliers are the same.

How to Find Reliable Labour Hire Companies

Understands Your Needs and Requirements

A good labour hire consultant is familiar with your company’s work and the work that your temporary employees would be responsible for.

They’ll explain what tasks the workers will be assigned to do and what expertise they’ll need. If you don’t believe the labour hire representative understands the nature of work or the required skills for each job, you should be concerned. A good contractor can determine if you want someone with simple carpentry experience to assist the chippy on-site if you need a reliable labourer for the day. 

Get Proof of Industry Expertise 

You want to know that you’re working with an established performer when there’s a dizzying array of labour hire agencies out there vying for your market. Their credibility claims may be valid, but you have every right to investigate and verify them. It makes no difference if they’ve been in business for a year or 30 years; their integrity can still be tested. And their track record speaks volumes about the quality of service you can expect.

How Will A Labour Hire Service Connect with the Right Candidates?

Before hiring a labour hire company, you should check if the organization maintains quality candidates through a good screening process. Check if they extensively screen applicants for construction jobs and examine their background before hiring them.   

When selecting applicants and determining whether they are right for the specific role, a successful labour hire provider would have solid processes in place. This process might be work history details, a face-to-face interview to determine skills and experience, tickets and ID viewed, and copies made.

Focus on Health and Safety

A successful labour hire company ensures that their workers receive sufficient training and follow proper OH&S procedures on the job. In addition, they must have sufficient Personal Protective Equipment to ensure that their employees are protected at all times. They will also collaborate with the client to ensure that their employees receive proper industry training before beginning any position.

Regular Feedback to Ensure That the Candidate Is the Best Fit for the Job

Good labour hire companies ask for input on the candidates they put in your company regularly. By doing so, they would be able to determine whether or not what they are doing for your company is successful. 

If it isn’t, they will be able to find a replacement and fix the problem. Alternatively, you might fully re-evaluate the job to ensure that the prospective applicant is a good match for your business.

Final Thought

Your labour hire business should have experience in your field. They will automatically appreciate your company and the everyday difficulties it faces if they understand your industry. As a result, your customer will get a better service. So, before hiring skilled people for your next construction project, check these points carefully. 

The post How to find reliable labour hire companies for construction jobs appeared first on Australian Times News.

The return of inflation

The Federal Reserve (Fed) has been able to employ these bond buying programmes and ultra-low interest rates because inflation has been below the 2% annual CPI target set by the Fed. However, as the US economy starts to reopen and pick up steam, prices will rise once again. The question is whether this rise in prices will be temporary or will last longer than currently predicted by the Fed, forcing them to raise interest rates and reign in their bond buying programmes earlier than currently forecast. Such scenarios should see strength return to the USD. However, Jerome Powell, Chairman of the Federal Reserve, has already stepped in multiple times to appease investors of these concerns by saying they expect a temporary overshoot of inflation above their target and therefore rather focusing on inflation to determine when they will start to raise rates they will wait until the economy reaches ‘full employment’, which they predict won’t happen before the end of 2023. 

US Dollar Index Chart

How has the USD performed compared to the other major currencies and what potential moves in the market do we see from a technical aspect in the form of the US Dollar Index (DXY): 

DXY on the Weekly timeframe dating back to 2014. 

I spoke with a Senior Technical Analyst at FXChoice and they provided me with the following analysis on the US Dollar Index; “The DXY has trended down in the last 12 months. It has had some rallies in September last year and March this year. But the pattern has been lower highs. However, it is approaching a critical Support area. Critical Support means a strong support area and an area that, if breached, will have multi-year implications for the DXY. The crucial level is 88.50. What makes this level so important? The DXY came up to this price in 2009 from a low of 71 and was rebuffed hard and fell to 74 by the end of that year. It bounced strongly in 2010 to meet the sellers at 88.50 in June 2010. From there, it slumped fast to 72 in April 2011. After a long recovery, it reached 88.50. For five years the DXY was rebuffed by heavy selling at 88.50. 

In December 2014, it crashed up through 88.40 and put six years of trading action below it and now a substantial Support level. In the next two years, it powered ahead as high as 104 but collapsed right back to 88.50 again in Feb 2018. Then the DXY bounced again, almost back to its Jan 2017 high. It fell from there to where we are now at around 90. 

We have bounced close to here before in Feb 2018, crashed up though it and soared to 104 in 2015 and been rebuffed by it twice in 2009 and 2010. All this adds up to a very substantial Support level just below where we are right now. This Support level should be a floor for the current USD weakness.

The DXY is falling but is approaching a particularly important Support level which should halt the fall at the very least. Potentially, it could bounce again there as it did at the end of 2017. If it breaks down – the less likely outcome currently – it will be highly bearish for the DXY putting it back into its 2007-2015 range and all the trading since as Resistance. We have to see if the selling pressure weakens at this vital level and how it acts after that. Most likely, it will bounce from a level slightly below current prices.”

The price is currently at $90.77, $2 above the low in 2018 and $14 below the high in 2020 prior to the COVID crisis. Therefore, the USD is sitting near multi year lows and with the signs looking good for the US economy to recover strongly from the crisis which should lead to the Fed to raise interest rates once again and thus increase the value of the USD. 

Debt Crisis

One further thing to bear in mind is how much the US Government has borrowed to drag their economy out of this crisis and what this means going forward. The chart below shows the % of Debt-to-GDP in the US. It is close to 140% as of December 2020 which is the highest level in history and comes at a cost. 

As with all borrowing, you pay back with interest. For the US Government this has not been an issue as interest rates (therefore borrowing rates) have been low meaning they can service this debt and borrow more to pay off this debt and so on. However, what happens when interest and borrowing rates increase? This does not only affect the Government; it will impact consumers and businesses that have taken on more debt to survive and the impact it will have on them. 

This leads to the question of will interest rates ever return to ‘normal levels’ or will they continue to be suppressed to help service these growing levels of debt. This chart shows the Fed funds rate over time since the 1970s:

As you can see this downtrend of reducing interest rates has been in play since the 1980s, however, we are now at the stage where they cannot get lower without going negative, which has another set of implications.

Conclusion

Therefore, Central Banks are in a dilemma and their only option for now is to keep rates as low as possible (to service the debt and help with the recovery) for as long as possible and hope inflation doesn’t force their hand early to start rising rates rapidly. To conclude, it looks like future rate rises are inevitable and if you feel the US economy is on for a strong recovery and sustained inflation is imminent then we may see strength return to the USD sooner than the market has currently priced in.

The post Where next for the US Dollar? appeared first on Australian Times News.

Think To The Future

Many young adults don’t think about the long-term consequences of their decisions. For this reason, they might decide to take a part-time job or to pursue a degree that doesn’t really suit their needs. In the end, they find that they are not truly passionate about their jobs and that they do not earn enough money to pay their bills. If you don’t pay your bills on time, this can impact your credit score and make it more difficult for you to secure a loan on a car or home in the future if needed. 

You need to figure out what you want your career path to be and then make an appropriate decision. For instance, you should learn about the market for that area and see if there is a demand for your skills. Of course, you should also get information about the future salary of people in that field.

Additionally, when you start your job search, you should be realistic about the options available to you. For example, you will have more options if you are willing to relocate and if you are willing to take on a part-time job or a job that does not require a degree. 

Start Investing

Investing can seem intimidating. After all, it involves making big financial decisions, which can be very difficult for young adults who don’t have much experience. However, there are a few ways to make it easier for yourself. For example, you can choose a low-risk investment option and invest in mutual funds or ETFs. If you decide to work with a financial advisor, you should ask for referrals from friends or relatives who have had good experiences with the same company.

Save on Your Transportation Costs

One of the greatest expenses of young adults is transportation costs. While public transportation is a great option, it is often inconvenient, and it does not always cover all of the destinations you want to reach. As such, you might need to get a car. However, this often comes with a hefty price tag too. You will have to pay for gas and insurance, which can easily cost quite a bit of money.

To save money on this expense, you can look into alternative transportation options. For example, if you live in a big city, you can look into car-sharing programs. Here, you can rent a car only when you need it and return it after a certain period of time. This is a great option because it allows you to save on insurance costs and gas. 

Another good option is to rely on public transportation. Many people use public transport because it is cheaper than maintaining a car and paying for gas costs and insurance coverage. You can also ride a bike or walk instead of driving if your commute is not too long. This will allow you to save money on parking fees too.

Choose the Right Payment Plan

Young adults often struggle with their finances because they don’t always choose the right payment plan for their needs. If you are about to buy a new car or sign up for a new mobile plan, it is very important to compare different options and understand the long-term effects of each choice.

For example, if you are buying a new car, do not sign up for an auto loan if you don’t really need one. Dave Ramsey says that it can be much more affordable if you buy your car with cash only and use a blue book value as your guide. 

Of course, having control over your money also means that you shouldn’t buy everything on credit unless you are absolutely sure that you can afford it. It’s easy to fall back into the habit of spending too much when credit cards are available to use at all times. Therefore, it is best to avoid convenience fees altogether by using cash unless it’s necessary.

Track Your Money

The best way to control your finances is by keeping track of your income and expenses in an accounting system such as YNAB (You Need a Budget). This allows you to see how much money is coming in every month and what exactly is going out every month, making it easy to see where your money is going and what changes need to be made to start saving more money.

In Conclusion

When you are young, it seems like you have all the time in the world, but age can soon creep up on you. The poor financial decisions you made early on can negatively impact your life down the road. If you follow our money-saving tips, you’ll build a great foundation for future wealth.

The post Money-Saving Tips for young adults appeared first on Australian Times News.

To hold and manage such a demanding position, one must have good knowledge, skill, and expertise along with various technological resources. Yet the complexities involved in managing a project make it a challenging profession.

Though many methodologies have evolved to manage the project effectively, every new project brings along a new set of challenges. Listed below are some of the common challenges that the project manager faces despite implementing the best project management software.

Unclear Goals: In a general scenario also, whenever you begin anything new, you tend to define the path with a distinct objective of achieving something. Defining the clear objective is like laying the foundation stone which will define the structure. It is the responsibility of the project manager to ask the right set of questions from management at the beginning of the project to set both short-term and long-term objectives. This will help in measuring the team’s performance as well as the progress of the project. Set clear goals keeping how, why and what to define the clear objective and set the right path.

Communication Gap: Be it giving instruction, seeking information, or asking questions, setting and communicating clear expectations can take the flow of the project delivery towards success. Miscommunication or communication gaps can not only cause delay but also blunders which may end up in project failure and huge losses. It can also lead to conflicts amongst team members. Effective communication is one of the most important skills a project manager is required to have. Implement proper project management tools to ensure a transparent and timely flow of information to all the stakeholders involved in the project.

Deadlines: In this competitive world, the targets are getting aggressive by each day. Having said that, any unrealistic deadlines will either lead to the failure of the project or will lead to delayed delivery or will compromise on the quality of the end-product. According to the set objectives, goals, and plan, talk about the challenges or concerns with the client. Set realistic timelines/deadlines by giving practical reasons. Keep an eye on the project dashboard and calendar to analyze real-time progress. Communicate the same with all the stakeholders proactively, thus keeping the teams on the same page.

Teamwork: To manage a team of people that consist of different personalities, skillsets, cultural backgrounds becomes challenging most of the time. As every team member will have a specific task and dependency on other team members, maintaining a smooth workflow by resolving the conflicts on a timely basis should be tackled with sensitivity by an effective project manager. Pre-assessing the skills and creating a positive work environment can help in dealing with this challenge. Having team-building activities and regular team interactions are very effective methods of keeping the team collaborated and coordinated.

Risk Management: Strategizing the project by identifying, managing, and controlling all the potential risks before the time is what risk management is all about. Not all the risks can be assessed in advance. How well and timely you manage these risks defines the efficiency of a successful project manager. By collecting the data beforehand and strategic planning can help the managers to anticipate the risk. If the risk can be anticipated, it becomes easier to take the required corrective measure on time thus avoiding the aftereffects it may cause.

Team Skills And Accountability: For any project to succeed, a combination of skills and accountability is required. Choosing the team with the right skill sets as per the project objective, plan, and goals helps you win half the battle. Rest can be dealt with by ensuring that each team member is accountable for the assigned task every day and does not get involved in any kind of blame game. Along with pinpointing the misses, rewarding the accountable team member also works in creating a healthy competition.

Conclusion: Although project management is an individual skill that enhances with each project that a project manager handles, implementing good project management software will help you deal with day-to-day challenges.

The post Challenges that project managers face at work and how to overcome them appeared first on Australian Times News.

There has been one big store, however, that has done well amid all this misery. It isn’t that they are making money off our sadness, but instead that they were exceptionally well placed at the beginning of all this to earn the right-place-right-time custom of many nations. 

We are, of course, talking about Amazon. Let’s forget the politics for a moment, though, and talk about how to get money off when we shop with this multinational online retail store.

Amazon: who are they, and what do they sell?

We have probably all heard about Amazon, but before we talk about the Amazon discounts, we want to talk about who they are and what they do. Amazon was started back in 1994 and made a bit of a buzz as the first official business to exist without buildings. The whole idea of Amazon was that buyers and sellers could put things online to shift them. They needed no bricks and mortar buildings, and back then, this was unheard of.

Amazon sells everything. They do their white-label range of goods too, but that wasn’t always the case. Back in the formative years, the Amazon team relied mainly on user-generated buying and selling to get by. You can buy everything from groceries to car parts on Amazon…  so, getting a discount would be helpful.

What are Amazon Discount Codes?

Back in the days when we all used to shop in the high street, the local stores might have dropped discount vouchers through the door to encourage us to buy their products. These vouchers would be taken to the store and shown at the point of sale. They would then be used for their worth. 

The discount code is the digital voucher for money off. It is used in the same way and shown (entered) at the sale point to ensure you get the cash off suggested. They can only be used with Amazon. When you enter the code, Amazon pays the seller for the difference, so the seller doesn’t lose out. There are times when a seller will apply the code themselves, of course. It all depends on the size and wealth behind the product.

How do I find and use a discount code?

You can find new Amazon discount codes by searching on the internet. You can search in your Google browser or by typing a question into your URL bar. There may be discount codes if you browse through the website of the company you want to shop with, but these are few and far between.

When you have your discount code, you will enter it by clicking on your cart at the store designated on the code. Once entered, you will have your discount and save yourself some hard-earned cash.

The post Does Amazon Have Discount Codes? (Answered) appeared first on Australian Times News.

Who is liable for accidents in public properties?

Accidents can occur even in a place where the customers have no responsibilities other than their personal safety. Under the Civil Liability Laws, the businesses’ visitors’ safety should be ensured. This means in the course of the visitors’ visit, the business bears the responsibility to provide their services at acceptable standards. If the business is a restaurant, the food being served should be healthy, the environment should be maintained, and risk objects should be eliminated. Or, if the business place is a treatment centre, the medical professionals should hesitate to perform actions that might end up in harm or a worsened condition to the patient.

Although public liability compensation can be claimed quite often whilst suffering injuries, the other party should be responsible for the claimant’s health and safety. As we are getting into contact with many objects in our daily routine, these objects should be designed or maintained in a way to prevent harm. Even the products we use at home should be working without any complications. The same applies to the workplaces and the places that we visit on daily basis. Legally, this situation is defined as the duty of care. Once you are on the property of a business or an individual, the other party carries the responsibility for your wellbeing. Although this duty can be fulfilled by acting reasonably, even the smallest unintentional actions can lead to the breach of this duty.

Public liability law

Public liability law covers this aspect of accidental harm by enforcing these duties to others. Covering the loss of the victim is the responsibility of the person on duty. On the other hand, it shouldn’t be mistaken that not on every occasion someone else owes you a duty. The same laws apply to the claimant itself. An individual’s duty is to take their own personal care as on some occasions the harm can arise as in nature of the activity. Such as roller-skating or cycling, some activities involve the risk factor naturally.

Invisible dangers to the visitor

As an ordinary visitor wouldn’t be aware of what objects or actions pose a risk to their wellbeing; this is a situation in which the person in charge of the management of the place is responsible for the visitor’s safety. It is unwise to expect a customer to understand if the food served to them is in good condition or not, before consuming. The businesses’ duties start here. The food should be in a healthy condition however, this is not their only duty as, during the time spent on the restaurant, the customer’s health condition should be away from any adverse situation. This means the whole business and its services should be safe during the visit. This includes the restrooms, the air conditioning –as poisonous gas can be exposed-, the service area –the tiles can lead to accidents when wet- and all other services that can be dangerous if not maintained correctly. While proving the negligence and negotiating with the insured, you would need a strong representative as your rights should be defended at all costs. Hiring a lawyer would be a wise choice among all options. Accidents such as food poisoning or taking damage due to a slip and fall accident can lead to critical health conditions. The victim’s loss should be compensated to prevent any financial difficulty that can result from the incapacity of the victim.

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Understanding liability with examples

Most common mistakes that are being made whilst claiming compensation are the wrong evaluation of the process. Someone else cannot be liable for the claimant’s injuries which occurred from an action that obviously involves risk. Such as suing your neighbour for falling and breaking your ankle whilst roller-skating on an icy surface in the shared parking lot which they usually park their vehicle. These claims are being evaluated by taking other reasonable citizens’ actions as reference.

On the other hand, we all share some legal duties that we should obey to provide a safe environment for all of us. The similar duty applies to restaurant owners, medical centres and other public places such as parking lots or barbershops. The duty of care is the obligation of service providers to serve their customers in good condition. Which means, the business place should be kept away from any dangers, maintained perfectly at all times and the product being served to the customer should be in good condition. As an example, edibles have expiration dates that should be put in the trash once exceeded. Serving such food to a customer can result in intestinal diseases which can even lead to severe health conditions. In this case, the business can be sued for being negligent as providing harmless food is their legal duty.

Burn injuries in public places

Examples of these injuries in public places can be given with numerous examples. One of the most obvious cases of negligence in public places is harming other’s whilst performing flame shows in restaurants. With the increasing usage of social media and the internet, some businesses wanted to take this as an advantage to market their products with unusual shows. With this, it is getting easier to witness how such unnecessary shows that are made to attract customers concluding in adverse situations. At the same time, visitors of similar places might be in the opinion that the business is liable for any harm they have taken. The businesses duty is to take necessary care and give an effort to prevent such situations. 

As an example, in a restaurant where hot beverages are being served, the businesses duty is to keep these beverages in good condition to prevent food poisoning, keep the restaurant maintained so that accidents won’t happen and resolve problems that can be hazardous. In this situation, the customer is expected to act reasonably with the hot drink that is served to them just as a reasonable person would. As long as the customer is warned and aware that the beverage is hot, it is now an obvious fact that the customer can sustain burn injuries if he/she acts irresponsibly with the beverage.

From the legal perspective, the business representatives have done their parts by warning the customer that the beverage is hot. Once the customer is notified, it is expected for him/her to take necessary care for his/her own wellbeing. Which means, on a similar occasion, the business has fulfilled its legal duty.

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