Superannuation is a compulsory long-term saving program in Australia. It is a program, which forces employers to pay an additional proportion of an employee’s salary in order for a stable retirement fund. Australian employers are currently forced to pay an additional 9% into an employee’s complying superannuation fund.
In Australia, if you have reached retirement age, you are eligible for an Age Pension, which ensure you have an income in your retirement. With the demographic shift occurring in Australia, age pension payments become too much of a strain on the Australian economy. This means that age pensions cannot fully provide adequate income for many Aussies.
Superannuation was introduced to make sure retiring Australians had enough money later in life, and to keep the Australian economy stable. Recent changes to the superannuation framework mean that most people retiring at the age of 60, who draw their income from superannuation, can do so without having to pay tax. This has lead to a major focus on superannuation funds for the majority of Australian’s retirement plans.
A healthy superannuation fund is crucial for anyone looking to have a stable retirement. A focus on your future now will lead to a safer and less stressful later life. The importance of superannuation is most apparent to older people nearing the age of retirement. This can create stress for people who have not been fully preparing. Saving for retirement is a life-long endeavour. Younger people have more time to prepare, so it is just as important to start saving when you have the time.
Superannuation is now more important than it has been ever before. With the recent unreliability of the world economy, it is imperative to have a safe fund for the future. Not only is it important for each Australian’s future, it is crucial for the economy of Australia. Prime Minister Julia Gillard spoke of the super industry as an anchor for Australia’s economy in the rocky international seas.
With upwards of 20 to 30 years spent in retirement, it is important that you have enough money saved up to last until the end of your years. Superannuation benefits from compound interest over a long investment timeframe. This means that the sooner you start saving, the more money you will have down the road. The Australian government also offers tax incentives for people actively engaging in their super funds. With so much incentive built into the current super scheme, it is vital to start focusing on superannuation right now rather than later.
Laura is a keen blogger who enjoys reviewing and comparing all things related to SMSF.
Quite often payday loans are associated with high risk loans. This is often due to the fact that the approval rate is high, even for those who do not have perfect credit. There is some level of risk for both the borrower and lender on all loan types. Therefore there is no reason to assume that this loan type is completely different from any other.
Lenders for this loan type minimize risk by having certain requirements in place that must be met before the loan is approved. These qualifications may indeed be easier to meet than the requirements of banks or private lenders. Borrowers can completely eliminate any risk by simply repaying the loan as agreed. Those who do not may need to pay fees in order to keep the loan current, or face late fees if the loan is not kept in good standing. It is highly advisable to never default on any type of loan.
Payday loans are indeed considered a safe way to borrow money so long as the terms of the loan are understood and met. This includes knowing the total amount that needs to be repaid, as well as the due date on which the money should be returned to the lender. All of this information will be presented to you prior to your acceptance of the loan, and must be approved by you before funds will be issued.
With the Forbes.com 2012 Ones To Watch list out, we can only imagine how most of you are squirming in your sofas at the obscene wealth that exists in the world today. Even in the throes of a credit crunch and almost certain financial ruin for some fiscal big wigs, there still seems to be plenty cash around for those who are glamorized on the list. How much money are we actually talking about? To put it into perspective, some of these F-listers can drop what you make in a year on clothes in a day, without breaking a sweat.
Some of these people have net worth that cross the billion dollar mark and they aren’t ashamed to show it. It might be a bit of a sting actually, the amount of money that some people have and for the poorer viewing public, it can be very disorienting when you’re struggling pay check to pay check. But what can you do? How can you remove the gripe of envy and replace it with a diamond the size of cantaloupe? How can you get your knife deep into the pie of obscene wealth? Simple. Become a billionaire!
We have a couple suggestions that you can utilize in your quest to become the next big thing in money today! Ok, maybe it won’t be that easy and it certainly won’t be that glamorous over night but keep in mind that many billionaires have roots founded in the same struggle that you have. Only a few of the billionaires in the world today are the result of inheritance and many of them had to build and amass their fortunes from the ground up, failing many times before achieving that little something that turned into solid gold.
Necessity is the mother of invention and if you need to be a billionaire you need to get off your butt and invent something. It is not a easy route to embark on but if you follow the steps you can possibly achieve your eureka! Create something, patent it, produce and market it well and you will be able to build a future from this. Look at things that people want and need. Not just a handful, but think of things that people can’t live without or solutions to everyday problems that people encounter. The most successful inventions aren’t even that complicated and don’t always require a highly technical background. Gianfranco Zaccai invented the Swiffer and it wasn’t rocket science!
Invest in something!
This is one time where being something of a bandwaggonist may actually pay off. Some of the world’s wealthiest people acquired their money by spending it on things that already existed or were on the cusp of invention. You will require some educated insight into the smartest investments versus stuff that will milk you dry and rob you of what little seed money you have. This requires a lot of reading and keeping your finger on the pulse of investment channels. Talk to people, find out what will give solid returns and ask questions.
Image: SO YOU WANT TO BE A BILLIONAIRE PHOTO
Pay day loans are one of the fast and easy methodologies of obtaining loans in case of emergencies or in cases of immediate necessities. This kind of loan obtaining process is preferred many kinds of people and many ranges of people because not only the loan availing process is easy but also the loan repaying process is done in ease as per the terms and conditions of the loan lender which will be clearly listed while obtaining loan. Therefore this type of loan availing process completely eliminates the stress involved in obtaining and then paying the loan back. Pay day loans are offered by many companies (find out more) having a separate firm for these purposes and loans can also be availed through online.
In case of obtaining from loan lenders in person it is very necessary to read the terms and conditions listed by them in the agreement and also enquire with many people in the society on his behavior and reputation which will help you to get rid of unwanted problems. The loan obtained from people running separate firm can be repaid in five amount payoffs or ten amount payoffs as desired by the loan getter and also based on the convenience of the loan lender. In case of the five amount basis the principle amount and the interest amount is totaled and the final amount is split into five parts and in a particular time period the amount is repaid by the loan getter.
The same takes place in the case of ten amount payoffs but the only difference is the final total amount obtained by adding the principle amount and interest amount is split into ten parts that is being repaid by the loan getter in the specified time period. The other method of obtaining the pay day loans the online kind of methods which is more easier than the former method because the loan getter need not go and find a firm in the society to avail loan, he can just search the internet through search engines and can find a well reputed website that offers pay day loans and if their terms and conditions match he can avail the loan from it.
There are some formalities involved in these kind of loan availing methods where the person availing loan should give the details about their salary account and a minimum amount will be taken from their salary account monthly as per the agreement made while the time of loan obtaining. The main step that a person should undergo in this online type of loan availing method is that he should read through the reviews of various other people who have attained loan from that online website and about the repaying terms and conditions, so that the person can stay trustworthy and stress less throughout the loan availing and repaying process. So in both the kind of methods of availing loans it is necessary to enquire and know exact details about the terms and conditions of the firm to be secure enough in loan obtaining and repaying.
6 keys to success as a Marketing
5 keys to success in being a marketing not only fixated on the process of how to sell it, but more to how a product that we sell can be known and strong in the minds of consumers attach to us. Could even say marketing activity is the heart of a series of business activities. This is because the right marketing strategy, will result in sales figures, with strong consumer loyalty. Thus it is certain that revenue obtained certainly will be even greater and will continue to increase.
For those of you who are running the marketing strategy, here we inform you about the 5 keys to success as a marketing that you can apply:
Get to know Your consumer behavior
Before offering the product or service to the consumer, first determine the target market that you will snap. It could be that you are aiming for a community of young people, especially women, or the general public who came from among the upper middle or middle to bottom. Make sure that you market your product or service to the right target market. Therefore identify consumer behavior that you snap, to find out their interests and needs.
Increase Your product knowledge
One of the guns that must be mastered a marketing is product knowledge (product information). By knowing all the information about the product or service being offered, then indirectly could help you to convince the prospective consumers. Please provide information about the advantages of the product, its purpose, its quality, and the price of Your product to potential customers, so they increasingly are sure to choose a product or service you offer.
Optimism and perseverance
Marketing activities have challenges and obstacles that are large enough, so that not everyone can get by with these professions. In Aston-Aston with the target company, or experience the rejection of prospective consumers is one of the challenges that must be received the marketing. Therefore aim to always be optimistic in serving consumers, and unyielding in any circumstances. The enthusiasm and passion that You indicate to prospective customers becomes the main key to your success as a marketing.
Expand your business network
Expand business networks as well as creating market opportunities. The more extensive the network you have, then the greater the chance that you create to get new prospective consumers. So, don’t ever hesitate to open the new network and expand your knowledge to get new customers.
Note the customer response
Sometimes each customer provide a different response to the product or service that we offer. When customers satisfied with your product or service, then add your response as real evidence to strengthen the excellence of products offered. However if the consumer response is less satisfying, make it as material evaluation for you to achieve better results in the future.
Make it an attractive product marketing strategy
Last, create promotional activities that may interest the customer. For example, by providing discounted rates, certain bonus offer for purchase above the average lottery sweepstakes, adding on event-special events, or hold some promotional activities involving consumers as participants (such as being the main sponsor of bike events, healthy way with glee, as well as other events aimed at building consumer loyalty).
After understanding some of the keys to success in marketing products or services, then try it out firsthand in running your business. Start easy, start small, and start from now!!! Successful greeting.
The Courage To Be The Key To Success Of Entrepreneurs
Pioneer an effort, it was rare to find various constraints that could impede the course of business. Failures, competition, and various other challenges, even has become a part and parcel of a business trip we run.
Look at the condition, it is not surprising that today’s entrepreneurs are required to be able to face the hardiness of all challenges and have the courage that is strong enough to step toward the gate to success.
Well, to help beginners in his business endeavors. Here we inform you about some of the boldness required entrepreneurs to reach the peak of success.
Dare To Dream
dare to dream of 200×150 the courage to be key success early which must be owned by the entrepreneur is the courage to have a big dream. Never be afraid to dream, because basically all it starts from a dream. For example, just as the success of Soichiro Honda the King Street managed to create a brand new Honda motorcycle with a big dream he had. It is not surprising that there is a term that says “with dreams we can grasp the world.”
Not only dared to dream, but entrepreneurs are also required to start daredevil facing all challenges. When the formerly most entrepreneurs are still afraid of failing in a pioneering effort, now they must shook off the feeling and started planning his business with ripe to achieve a success. The courage of this kind we can see from the success of the founders of Aqua Tirto Utomo, who successfully popularized the bottled drinking water since 1973. Whereas, while it is still very familiar with consumer products, bottled water, because it is essentially a commodity of water in Indonesia are quite abundant nature and is provided for free.
Dare To Compete
After a brave step, entrepreneurs are encouraged to dare compete beat market competition. Restore competition as pacemakers or a motivation for you, so that in the future, you’re getting the spirit in running businesses and more challenges to win the market competition. For example, just as the success of the product Indomie which until now is still favored by consumers, although later many other brands of instant noodle which enliven the market.
Dare To Differ
Showing something different would be one of the keys to your success in running a business. Even not rarely the perpetrators attempt to purposely display a certain uniqueness to win the market competition that they face today. Therefore as aspiring entrepreneurs succeed, make sure that you are never afraid to create something new and daring offers different products to target the market share is still potential. In this case you could follow the example of a fairly unique business strategies such as mini chips business, the devil, or the provider’s business courier services and spa baby recently began to seize the attention of the consumer.
Hopefully the information business motivation that raised about the courage to be the key to success these entrepreneurs can provide additional insight for readers and inspire the whole community Indonesia to dare build efforts. Start small, ranging from easy, starting from now. Successful greeting.
Successful Entrepreneurs With Mental Champion
every entrepreneurs are certainly want a business that is practiced could grab a success. But unfortunately not all entrepreneurs have mental champion to realize their dreams. Many entrepreneurs who gave up in the middle of the road before they reach the success he dreamed. It is this that distinguishes between a businessman and more, so that some employers were able to successfully reach for success, and some are still at the same position without any definite development.
Therefore, the mental should champion owned by any entrepreneur if you want to reach for success. Because success cannot be achieved instantly or automatically, it took a hard struggle to be able to face all odds and the competition tight enough from other business competitors. Because it’s all mental champion needs to be instilled early on all circles of society. In order for aspiring entrepreneurs in Indonesia have the mental strength and hardiness facing all challenges.
Here we provide some tips on how to embed on your own personal mental Champion:
The main capital of the true champion is confident. Assure yourself that all the obstacles and hurdles you can finish with either. Believe in your ability to deliver yourself daredevil with a good way to get the best results.
The most important thing is not victory, but how the process we run to get there. Because in a process there is a lot of learning that we can take a lesson to the provision in the future. So that we are better prepared to face all challenges.
Self Motivation To Reach For A Dream
The winner always has big dreams. Not only aspire to winning a competition, but also has a dream to be able to become a true champion for him as well as the environment around it. So, specify your big dream from now on! Because the bigger the dreams that you specified then the greater the spirit you have to be able to step forward.
Dare To Accept Defeat
Every entrepreneur must have experienced failure or loss in running his business. But as an entrepreneur minded individuals champion, you don’t need to linger late into the failure. Face it, biodiversity and enjoy the failure you experience, as well as a great lesson from the failure of take to obtain better results in the future.
Successful entrepreneurs with mental champion now is not just a mere figment. With champion minded individuals you have the opportunity reach greater success than people who are weak minded individuals and a quitter. From now on be the champion for yourself, and give benefits on your surroundings. Congratulations and best wishes for success at work, always accompanies our efforts. Successful greeting.
Tips On How To Successfully Become An Entrepreneur
See the level of competition for job seekers in Indonesia that the days are getting tight, turns out to be pushing most of society to initiate an effort as an alternative appropriate sufficient need for their lives. A wide range of business opportunities has now started pioneered the beginner, you name it like the business opportunities in the service sector, various culinary business, fashion or clothing business to business franchise, which lately many investors elected as one of the business opportunities that are exciting enough to develop capital funds they have.
This condition is surely give a positive impact to all walks of life, so that the growth of SMEs in Indonesia grew by leaps and bounds and indirectly had contributed and in stabilizing the economy of the archipelago.
Although basically a business that they run vary, but every entrepreneur contributing large enough for Indonesia’s economic growth and thus has the same goal, namely to reach the peak of his business success.
Well, to help beginners in reaching the peak of his success. Here are some tips on how to successfully become an entrepreneur that you can apply from now on.
Dare to work hard
When an employee works only limited office hours (8 hours per day), then another case with a principal business that is claimed to work more extra every day. Even a successful entrepreneur like Chairul Tanjung was able to work more than 18 hours per day while building his business empire.
Supported work with sincere
In addition to hard work, success tips other necessary business principals that work is sincere. Successful entrepreneurs are always running its business with great love, so they never complain with all the risks and challenges that obstruct in sight. tips Tips to success 200×181 success being an entrepreneur
Mentally strong and unyielding attitude surely must posses the perpetrators attempt. It is important that you not only resigned in the face of problems, but also more excitement to go ahead manifest big dreams for your business.
Create business unusual
The key to success is the fourth which is creating new business opportunities. The tight market competition and the rise of innovative products on the market, encouraging the perpetrators attempt to bolder creating and innovating to win market competition. If necessary create a new buzz like never before, so the consumer is happy and you can win the market competition.
The lack of knowledge and experience of entrepreneur
In running a business, capital funds only turns out it is not enough to reach the top of the success of the effort. It takes a special kind of knowledge and capabilities in the field of entrepreneurial and managerial. It is important that the perpetrators had mental readiness efforts and the lack of sufficient knowledge in the face of various challenges.
Hopefully some business tips above could provide a benefit for the reader and help beginners in running its business wheel. Go ahead and create the SME Indonesia new business opportunities like never before. Successful greeting.
Not all issuers of logbook loans are the same. For this reason it will be important to perform a bit of research prior to deciding which lender you wish to work with. The interest rate associated with the loan tends to be one of the main factors that borrowers take into account. However, there are other factors to consider as well.
Should you have a poor credit score, it will be important to find a lender who has no credit requirements and does not check your credit. It may also be important to work with a lender that offers a simple and straightforward payment schedule, such as monthly payments. Though you can choose to pay weekly or bi-weekly, this could prove confusing at time and could result in accidentally missing payments. Should you plan to repay the loan prior to the due date, check to make sure that there is no penalty for early repayment.
Logbook loans are similar to many other loan types. The main difference is that your car will be used as collateral. Yes, it is possible to lose your car should you not repay the loan as agreed. However, this rarely happens as lenders offer flexible terms and are often willing to work with individuals who are having trouble repaying the loan as agreed. Communication with the lender is key should you experience any problems.
The people working in AtomicPR acquire great respect and honor. This agency is very much different from the other big agencies. It is very much close to modern philosophy as well as to the modern visual world. The people who are working out there have a lot of energy to do something good to the society. The various categories of public relation are analytics, media, creative, account or brand management, planning and strategy, public relation, production, interactive or new media and lastly marketing or social media. It is very much interesting to play around in multiple disciplines and giving the final expression in the digital media.
The people of AtomicPR agency bear a different kind of thinking capability and it is magically different from everything. Those people are so much contented with their work that they feel that they are doing the most suitable and the best job. It is known as Libby Langsdorf has joined the company as the new senior Director. She has joined at the New York offices of AtomicPR team in the month of March 2011. Before joining at this place, she had worked at New York City’s Economic Development Corporation. There she occupied the post of Assistant Vice President for Public Affairs. It is to be notified that in addition to her Bachelor’s degree in the subject of Political Science from the renowned university of George Washington University and a Master’s degree in Public Affairs from the well known New York University’s Wagner School of Public Service, Langsdorf carries over 10 long years of community relations familiarity with her to Atomic PR.
With over and above sixty long years of public relations operations to her recognition, Libby Langsdorf brings about widespread media expertise knowledge with her to Atomic PR. Not only qualified with public subdivision media relations, but Langsdorf also has a confidential sector understanding as well. Having done a job at LaForce+Stevens and Rubenstein Public Relations in New York City she is knowledgeable in every aspect of mainstream media, public relations as well as digital media. As the Senior Director of Atomic PR, Langsdorf will surely have confidence in her media background to show the path to client campaigns and put together them with a ComContext PR analytics program of Atomic public relations. Some of the more well-known and renowned corporate brands that Langsdorf, the senior Director of the company has spent her working time on take account of: Absolut Vodka, The New York Times, and SMINT/Chupa Chups. Atomic PR is very much satisfied to provide a warm greeting to Libby to the team.
In Emotionally Charged Learning the reader will explore the new and innovative ideas by Eric Schiffer that has literally created a national curiosity. Discover how the forces of education, refined entertainment and emotions join with an unbelievable power to create fascinating and interesting results which makes today’s learning a phenomenon. His book truly is a benchmark for leaders and educational organizations everywhere.
Defined within these highly intriguing pages is an essential new vision for management and educators that combines a first of its kind emotion driven process of learning that is needed for the absolute retention of any ideas or goals. The reader will also discover that when emotions, learning and entertainment are combined there is a startling result that is nothing short of being a phenomenon.
“Emotionally Charged Learning” teaches managers and employees how they truly can become masters of knowledge when the insights of this book are put into action. It also allows organizations to reach higher degrees of success while still remaining competitive. This book challenges its readers to embrace new ideas for learning and thinking that have never before been challenged. When the reader utilizes these principles, they can enjoy the adventure that lies ahead of them when it comes to leadership skills.
Eric Schiffer is a natural born leader and visionary. He has gained international renown with his innovative ideas on learning and business management. Eric’s own learning company was born out of his visionary ideas about business management and his software on molecular fusion that has been touted as an amazing success by IBM. Business Week magazine named him one of America’s top entrepreneurs and he has graced the cover of many of today’s top business magazines. Cosmopolitan also named him as one of today’s top bachelors.
Eric spends much of his own time involved in complex research. Out of his research he develops insights that then translate into his books and teachings. He then works very closely with business leaders to help them empower their employees to be masters of knowledge. His findings also help organizations achieve success like they never thought imaginable.
If a company desires to reach the pinnacles of success then reading “Emotionally Charged Learning” is a must. When put into action the principles in Eric’s book have the ability to catapult organizations into success like never before. It is written in a compelling and exciting way that keeps the reader interested for hours. Eric’s visionary insights are illuminating and captivating and very educational.
Talk about a Financial Planner or financial planning Sciences, recently began a crowded, although look like actually in Indonesia has been around since the early 2000s.
Not to be denied, the interest rate of Bank Indonesia Certificates that survive is very low, while many people who then seek other investment alternatives that provide the investment yield or ‘ flowers ‘ is relatively higher. One of the other financial products outside the banking products offered through the Bank’s mutual fund and other capital market products which refers to the Indonesia stock exchange (idx) and joint-stock price index (the TRADE). overriding this type of investment product will obviously differ from traditional banking products.
With the rise of such financial institution offering banking called ‘ supermarket ‘, the mutual fund Division of priority banking and now more sophisticated again called with Wealth Management and with the large number of products offered a banker will be required to be able to act as a consultant or advisory. The question is whether we have become a Banker consultant/advisory or Financial Planner, better known as? Or are they just be the Product lesson Planner alias people who offer and sell financial products because the target company? Proven by the case of one of the foreign banks yesterday makes us staring that turned out to be total customer funds are safe.
Outside of TRADE and mutual funds, we see the development of the insurance industry especially life insurance in Indonesia is very amazing. The number of registered insurance agents that are growing very rapidly felt still less to provide services to more than 230 million inhabitants of Indonesia. Along with insurance products introduced the Unit Link communities in Indonesia began to feel the significance of the meaning of insurance protection while air-conditioned investment, although there are a lot of ‘ late finally ‘ realize that apparently has no maximum investment producer unit link. Assurance products are also sold through the door then joined the banking known as cool Bancassurance.