ASIC: Managing Debts

Everyone with even a little bit of debt has to know how to manage his debt. If you just have a little debt, you have to keep up your payments and make sure it doesn’t get out of control. And of you have a large amount of debt; you have to put more effort into paying off your debt while juggling payments on the debts you’re not currently paying.

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Managing debt.

For most of us, debt is part of life. It can help us own a home, purchase a car, get an education or expand a business. It can be a stepping stone that enables us to improve our life and get things accomplished, but you need to make sure that your debts are managed well. Otherwise, it can become a stumbling block and hinder our progress rather than move us forward.

First of all, you need to know who and how much you owe. The best thing to do is to create a list of your creditors including your debt, monthly payment and due date. You can use your credit report to confirm the debts on your list. Once you have all the debts in front of you, you will see the bigger picture and stay aware of your complete debt picture. Once you’ve got your list, refer to your debt list periodically, especially as you pay bills. Update your list every few months as the amount of your debt changes.

Once you have evaluated how much you owe, it is now to time to ask yourself if you can pay your debits on time or not. If not, perhaps it’s time to get urgent help. If your debts are out of control or you are really struggling to make ends meet, you need to act quickly. Here in Australia, there are some places you can go for help.

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Posted in Perth News

‘I’m shaking’: Fire destroys Perth salon

Your business is very valuable but the damage a fire could do to you and your business is dramatic; this is why you must get an insurance and be fully focused on preventing fire and ensuring there is fire safety in your premises at all times.

When talking about keeping safe, your workplace and your employees should be your number one priority as these are the foundations that make your business up and running. By adding fire prevention devices and some safety awareness, you can ensure to get peace of mind that your staff and premises are safe from dangers.

You may also look for someone who is highly trained in workplace safety and can help you know how to protect your business from fire. In addition, you should also know how to guarantee that you are meeting legal regulations provided by the City of Perth authorities.

Ensuring that the lives of your employees are not in jeopardy is the primary obligation of an employer; your people should not be exposed to intolerable risk while resorting to premises or in the employ of others. Therefore, it is your number one duty to make sure that your workplace or office is safe from natural calamities, criminals, and fire.

Next to your life and your workers’ lives, you also need to protect your assets from fire. You should know that there are some businesses that were unfortunate enough to suffer a fire incident and never able to resume their operations. Even a small fire can cause severe disruption and money, more so if the fire torches all of your valuable business assets. Imagine how much money it could cost you.

If your business provides a unique or vital service, the loss of that provision can have a severe detrimental effect on the local community or in some cases a much wider area. Not only to you and the people involved in your business, but fire can also have a huge negative effect to your community.

Just like recently, a salon based in Ellenbrook, in Perth’s northeast, was burned and destroyed by fire. The fire hit a beauty salon on the second story of a shared building, above a veterinary clinic.

Read the full story by clicking this link:

Posted in Perth News

12 Ways to Improve Your Customers’ In-Store Experience

Customers these days are looking for great customer service and will not settle for anything less. If you are running a small business, it is no longer enough for you to simply provide good service. Rather, you need to create memorable interactions with customers that help establish a loyal relationship and promote brand advocacy.

When creating a great customer experience, you need you need to make sure that you create an ideal experience that your customers would want to have throughout their relationship with your business in Perth. These interactions take place on a number of channels such as in person, over the phone, through email, on social networking sites such as Facebook, Instagram and Twitter, and other online marketing tools you can use.

What makes a customer experience successful? First of all, customer experience should be unique. And, for it to be successful it needs to be clearly defined so that each one of your employees understands how to deliver the experience you want to create for your customers.

One of the best advantages of knowing how to create customer experience is that it can lead to better relationships with customers that will not only generate consistent income, but also develop brand advocates out of current clients that will help generate a new stream of business.

Check out this article and learn the 12 ways to improve your customer’s experience:

Posted in Perth News

How to attract top talent to your small business

David Toniolo of Toniolo Consulting invests in staff-centered technology.

Companies need talented employees especially those that are just on its early stages. You need to find the staff that will make your company better, successful, and will lead you possibly to withdraw to the new market level.

Managers and business owners are interested in business development. Hence, they need talented people who will follow their lead and help them achieve the goals of their business. In order to maintain an edge in an increasingly competitive economy, companies need to recruit employees who are skilled in variety of areas and have good character.

In order to hire the best ones, you need to invest a little bit of time in your recruitment campaign can save you a considerable amount of money. There are a number of recruitment firms you can use to help you find the best employees, but he market is becoming ever more competitive, which means the first company you phone are unlikely to be the cheapest or the best.

However, if you don’t have enough money, perhaps the most cost effective way of searching for bright and talented employees is to tap into the online job boards. Many online job posting sites will let you post a job for free, and will only charge you a small for a ‘featured posting’ that will make your posting stand out from the crowd.

To know how to attract top talent for your small business, you can read the article published my Sydney Morning Herald. Read the full article here:

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Understanding bathroom vanities

What makes an entrepreneur? The fine line between genius and crazy

Why Steph Curry and Steve Kerr Are Among the World’s Greatest Leaders

Posted in Perth News

Understanding bathroom vanities

In a bathroom renovation project, bathroom vanities such as vanity cabinets are a very important part. Hence, when looking for those, you need to have careful consideration. Since they don’t have functioning parts in the same way that faucets, showers, or toilet suites do, you don’t need to be so concerned with the plumbing when it comes to vanities. Vanities are predominantly about the space that you have available and the design and how that will impact on your bathroom.

bathroom vanities

There are a variety of colours, sizes, and configurations of vanities. But today, hung vanities are becoming more popular in homes due to the modern look but floor standing vanities are still the ‘standard’. Experts can help you choose the right vanities for your room. One of the main advantages of installing wall hung vanities is that they can create the perception of space in a bathroom. If you have a small bathroom, a wall hung vanity can be particularly beneficial. This will keep with the theory that the more floor that is visible the larger the room looks.

Your vanities’ colours are also another important bathroom design aspect. White is a popular colour for a large majority of bathroom vanities these days but there are other options that you could consider as a focal point to your bathroom. Before you purchase your vanity, another factor to consider is your bathroom pipes’ location. Make sure that your pipework is not running through the floor. Otherwise, this may prevent you from having a wall hung vanity if you don’t want the pipes to be visible.

Vanities are one of the most exciting items you can buy for your bathroom renovation. That’s because they can have a huge impact on the design of the room. Seriously consider these few helpful tips and you can purchase your new bathroom vanities with confidence.

Posted in Bathroom Renovation

Acquiring Another Small Firm? Watch Out.

If you are already fed up with working for others, and looking forward to becoming your own employer, then you should start your own business in Perth now. Alternatively, maybe you believe you can operate someone’s company much better than all of them. Well, acquiring a small business might be a smart move to consider.

Effectively, a small business acquisition can result to several benefits. First of all, the business is already existing and available. The initial money and time have been spent in choosing the correct location, and establishing the space for that small business. This is often best for both parties, as the smallest enterprise purchase.

Many businessmen like to acquire an existing business believing that they have the capability of doing something to enhance the business in terms of performance and competitiveness in the market. For example, some business owners thinks that they can bring that smart and new ideas to the business that wasn’t originally there, and turn the company close to in a very lucrative way.

Committing time to teach company culture is crucial, says Robb Lippitt of Revolution Dancewear

The thought of the little business acquisition can as well as be very tempting to an investor or entrepreneur who can begin to see the business with a new perspective, and bring their ideas to the table. However, you need to ensure that risk of the small business acquisition has to be low. Otherwise, you would be ending up with regrets.

For more information about small business acquisition and how to become a good entrepreneur, read this blog post:

Posted in Perth News

Life Insurance Buyer’s Guide: What Type, How Much and Who Will Benefit

A lot of people already know that life insurance can be used as an investment tool. However, there are still some who consider life insurance as a liability instead of considering it as an asset.

A high number of individuals still believe that investing in life insurance cover is a heavy burden. This info is especially true for those who are considered as the breadwinners for their families. However, investing in life insurance premium is very important for a number of reasons:

First, insurance can be a great help during unexpected times such as in case of critical illness. This also can be a very helpful in supporting your family in the event of the breadwinner’s death or sickness giving you assistance to finance hospital or even hospital bills. Furthermore, insurance can also help you in paying educational and mortgage payments. The only disadvantage of life insurance is the cost you need to pay for the premium.

If you weigh the pros and cons, a life insurance cover seems much more reliable than any other way of ensuring the wellbeing of the dependents and loved ones. If you have not insured yourself yet then it is high time to get yourself insured so that your demise may not prove fatal for the family. Therefore, do not ignore buying a life insurance cover as it would be the best help to the family in the event of your permanent absence.

To know the right type of life insurance to buy and more about the benefits you can get from it, you should read the full article from NY Times:

We also have an article about Bathroom Vanities.

Posted in Perth News

Why Steph Curry and Steve Kerr Are Among the World’s Greatest Leaders

Becoming a good leader is not all about being famous or being the start athlete. If you are famous, you are just famous. Or if you are the star athlete, you are just the best player on your team.

In fact, you are not even a leader if you are the boss, the owner, or even the person on top of an organisation. All these things are simply positions and keep in mind that positions do not make you any more of a leader than non-positions. So what does it take to be a leader or more importantly a great leader?

Great leaders are tough to find. But when you find a great leader, it seems that his or her subordinates are doing everything to follow him or her.

On the other hand, only few employees are lucky enough to work with a great leader. So how do you know how to be a great leader if you never have had an example? First of all, becoming a good leader is to be a good example to your team. You need to become a great example to those who are around you, and to all who see you. You also have to do what tell everyone else to do.

Last NBA season, the entire basketball world was stunned by the Golden State Warriors who won the World Championship. The Warriors is course led by Stephen Curry and their head coach Steve Kerr.

Check out this article and learn why Curry and Kerr among the world’s greatest leaders:

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7 Online Marketing Tools That Are Totally Worth the Investment

Life Insurance Buyer’s Guide: What Type, How Much and Who Will Benefit


Posted in Perth News

7 Online Marketing Tools That Are Totally Worth the Investment

Using the internet to market your product or service is a great way that you can increase your business presence locally or even worldwide. As more and more consumers turn to their own computers to do a little shopping or look for product or service online, most companies are seeing the need to make their businesses accessible through the internet.

Perth BusinessSo are you one of those businesses who sees the advantages of online or internet marketing? If you are, then it is time that you invest in an internet campaign for your company so that more consumers will be able to see your business while they are online.

With the expansion of mobile devices and improvements in speed and connection costs, you may reach your target audience almost anywhere at any time thru the World Wide Web.

With all the advantages the internet can bring to your Perth business, we may conclude that investing on internet marketing campaigns can be a great idea for every business or organisation that wants to build brand awareness.

In other words, it’s a reality that Internet is revolutionising the way individuals do things, and marketing is no exception. Companies wishing to maintain its leadership, and that want to avoid falling behind the rest should consider the Internet as a substantial part of their media plan.

If you are planning to invest in online marketing, here are the 7 excellent marketing tools that are worthy of every dollar you spent according to

You can also read: ‘I’m shaking’: Fire destroys Perth salon

Posted in Perth News

What makes an entrepreneur? The fine line between genius and crazy

Many individuals are deciding to start their own business. Truly, entrepreneurship brings a bunch of benefits. Aside from becoming your own boss, entrepreneurship also creates a lot of opportunities that you can’t normally get from working for the government or a private institution.

Perth NewsHowever, because of the constraints and pressure that the company faces, many start-up companies often failed in their first year of doing business. Building a new company is not as easy as it sounds – you need to know proper organisational management, ensure profitability, as well as corporate and government legalities which are all critical in growing a business.

Not all entrepreneurs become successful; a lot actually fail. However, some businessman found that they can rise up from failures and become successful. If you are a businessman, you need to have the characteristics of a successful businessman.

What does it really take to become a successful entrepreneur? Do you have to be brave enough to conquer all the risks? Or you should think about the risky possibilities, know your limits and give up when you fail?

Pejman Ghadimi published an interesting article at that talks about entrepreneurship. The article will help you understand what it takes to become a good businessman – the fine line between a crazy entrepreneur and a genius one.

Read it here:

Posted in Perth News