The superannuation industry in Australia is going through a remarkable period of growth and media awareness. (We have all seen the recent frenzy of advertising activity, press and TV coverage.) Today, ordinary people are now realising that a Government pension won't give them the lifestyle they want in the years when they are not earning an income. The need to save money for the future is more than a hot topic, it has become a big wake up call to...more
Are you ready to fill out a mortgage application and get your home loan process going? Consider applying for your mortgage online in order to get the best interest rate and the best loan program for you.There are many mortgage companies online that will offer you the option to complete your mortgage application online, which is very convenient. However, make sure that the mortgage company you apply with can provide you with multiple offers for...more
Being a trustworthy professional in business today mightseem obvious, but not always followed. This represents 95%of your business success.If you have a retail store that is a clean store, make surethe doors and windows are clean, make sure the store frontlooks good. Enforce that your employees stay clean and theshelves and floor are clean.If it's a service company, make sure your servicetechnicians are wearing clean work clothes, their trucksare clean, and salesmen should be well groomed andpunctual. Everything about your business should beprofessional.The public is more skeptical than they've ever been. So wehave to deal with negative media about people who wereripped off by a service contractor. It's hard to blamepeople for being skeptical. There are a lot of sleazycompanies out there who rip people off.We have to over compensate for these consumer feelings.It's unfair, but that's the way it is. You want to projecta professional image and earn peoples respect and trust.If They Complain, Answer. Whenever you have a complaintcome in from a client it means they are asking for help.It's an opportunity to cement a relationship and enhanceyour customer relations.The key is to take...more
If you're a small business owner applying for a loan or other credit, it pays to understand what lenders are looking for. From the point of view of the small entrepreneur the decisions that banks and other credit institutions make can often seem random. In fact, they are anything but.It's crucial to understand that lenders are not necessarily...more
No, this is not going to be a racy article, but it is a valid comparison of the topic at hand. For those who are native English speakers, that phrase in my title usually has to do with reproduction. That's a topic I want to discuss with you in your home business.When I got started thinking about my home business, I came from a technical...more
There are a myriad of things you must think about when opening any type of business whether it is a small business or a large corporation and one of those is how business law may affect you.Failure to pay attention to business and corporate law can land you in a world of trouble-both legal and financial. The good news is that you do not necessarily need to be a graduate of a fancy business law college or have a business law major to brush up on the basic ideas of small business law and corporate business law.If you've paid attention to the headlines lately, you probably know that employment law for business is one of the number one areas where you can get into trouble if you aren't up on all the employment laws and regulations. There are numerous laws that govern the employment of both regular employees and contract employees. Just for a broad overview, take a look at all the employment business laws you must meet: - Civil Rights Act of 1966. - The Equal Pay Act of 1963 - Americans with Disabilities Act - The Immigration Reform and Control Act of 1986 - The Age Discrimination in Employment Act - The Equal Employment Opportunity Act - The Bankruptcy Act - The Occupational Safety and...more
Peer out of your office door, what's your secretary doing right now? If you answered surfing the internet, taking a nap, or reading a magazine, it's time to rethink where your money is going. In an ideal situation, a secretary would be paid for the...more
So the time has come for you to purchase a home and take on home ownership.Home ownership will be perhaps the largest responsibility you ever take on in your life. But it will most likely be the most rewarding thing you ever take on in your life as...more
The DebtIn America, it is not only accepted that the majority of us are knee-deep in credit card debt, it is normal. Two generations ago it was just flat out wrong - a sin, to have any kind of debt at all. Today it is quite a different story and...more
A fundamental challenge of small business can be summarized as "too many tasks, too few people."Unlike large enterprises which can have whole teams devoted to limited tasks - think "Task force for the unification of stapler specifications and...more
Are you wanting to apply for a new credit card but feeling hesitant to perform the credit card application online? If so, you need not be concerned. Advances in the technology of secure e-commerce have made online credit card applications literally...more
Even with a Chapter 7 bankruptcy in your credit report you can still qualify for a sub-prime mortgage. Once approved, you can then use your mortgage to improve your credit history, qualifying you for lower interest rates in the future.The Effects of...more