5 Simple Tricks to Boost Your Backlinks

We all know by now that backlinks are the foundation of successful search engine optimisation or SEO. Sounds rather easy, but there is a bit more to it than just creating hundreds of backlinks all over the internet. There are good and bad backlinks and often, a bad link, or too many backlinks, will end up doing more harm than good. How do you ensure you are getting the maximum return from the backlinks you use?


Let’s take a look at five simple techniques you can employ to boost your backlinks and improve your SEO.

1.Research, Research, Research

Before you can tackle the competition effectively, you need to know more about their content, techniques, backlinks and shares over social platforms.  If they are ranking high on search engines, they must be doing something right. Understanding this, and taking the best ideas from them, will give you a distinct competitive advantage. 

There are a number of tools available to help you with this so take advantage of them. Ahref has to be the most useful and will give you valuable insight. BuzzSumo and EpicBeat will give information regarding shares of social platforms that you can use to your advantage. To help with your research and execution, look at SEO backlink sites like Linkprocessor

There are many other tools, most with free options. Take the time to get to know them and get the information you can use. Knowledge is power. 

2.Content Is King

All the backlinks in the world, in all the right places, is going to be of little help if your content is poor. Find the niche you wish to develop, do your homework (yes, more research) and create content that is well written, interesting and relevant. Only then can you start driving people towards it.

3.Become Active On Authoritative Blogs and Forums

Your research would have already turned up a number of relevant blogs that your competitors are using. Join them and get to know a little bit about them. Offer your content, where relevant, to the webmaster. The more often you do this, the more time you will get a yes. Ensure you have got the relevant backlinks to your website. This form of guest blogging is one of the most effective ways to attain high quality, authoritative backlinks.  You have already created the content, although you might have to tweak it slightly, but the rest is easy. You can also post comments with backlinks once you are recognised on the blog.

4.Become A Thought Leader On Your Niche and Share Your Links

You have done your research and know your topic well. Start sharing your valuable insight and opinions with others. Join popular platforms such as LinkedIn, WikiHow, Yahoo Answers and Quora. Find those sections relevant to your area of expertise and get involved. Post answers to questions and share insight. Do not try too hard to self-promote initially, create some credibility and a reputation. Slowly you can start to include backlinks, one you have established yourself. 

You can also use all of this information and interaction to build a comprehensive Q & A page on your site. This will give you another opportunity to backlink and will be especially powerful in voice searches, as these are often posed as questions.

5.Focus on Geographical Specific SEO

Look at the areas in which you do, or wish to do, marketing. Search and list all the directories, search engines and review sites. Ensure they are quality pages and relevant to your niche and post your details on these pages. Do not forget, the SEO tools you have employed will have already exposed many such pages your competitors are already using. Make sure you are on them.  

Never forget that SEO is not something you do once, it is an on-going process. Backlinks, while very important and most effective, are just one of the tools available for good SEO. Keep an eye on changes in the market, the SEO dynamics and your competitors to keep your ranking high. 

With good research, use of the tools available and generating effective, quality backlinks, there is no reason you should not come up tops in a search on your niche.

The Basics of Trading in Binary Options

This form of trading has become an extremely popular way of investing as it represents an opportunity for almost anyone to access and benefit from the natural rise and fall of currencies.  However, it must also be appreciated that many first time traders actually fail to generate any profit; this is because this is a high risk investment strategy and without the proper understanding of the markets can be an exceptionally easy way to lose your capital.

The Basics

There is an array of names for this style of trading, it is generally referred to as binary as this relates to the fact there are only two possible outcomes.  Every option purchased requires an assessment of the market and for you to decide several key points:
  • Will the price of the asset move 
  • How long should my trade last to ensure my calculations are right
  • How much do you spend on a single trade
  • The rate of return
All of these factors must be decided, preferably by being informed about the markets, before you place your trade.

Binary Options

The simplest version of trading in a binary option is to predict which way the price will move.  There is other, more technical trades including specifying an amount which the price will touch, or even one which it will not touch.  You can also choose to set upper and lower limits and the price must remain within these boundaries.

The biggest advantage is that the most you will lose on one trade is the amount you invest; you will always know what you could lose and what you could gain before you place your trade.

Place your trade

Having become familiar the possibilities when trading a binary option you will need to sign up to a broker, once you have created and funded an account you will be able to start trading.  Most brokers have very easy to understand and follow sites.  You will go through a process of choosing an asset, deciding the expiry time, the price direction and how much you wish to invest.  You will then be able to commit to the trade.  Once you have committed there is no way to cancel a trade and reclaim your funds.

Choosing Binary Options

This type of trading is very straightforward to understand and, with the proper planning and understanding, can provide good rates of return.  Providing you are prepared to accept the high levels of risk associated with this type of trading and are willing to educate yourself regarding the different trades you will be able to make a success out of trading in a binary option.  As you gain experience your trading abilities will improve.
Finally, it is essential to keep your emotions away from your trades; this is a certain way of losing money.

In order to succeed with binary options trading you may need take a look into our suggested binary options brokers list

6 Costs to Include in Your Startup Budget

The beginning steps of starting your own business are the most exciting and the most terrifying. You have so many factors to consider, and your brain feels like it is on fire. This is one of the reasons why having a business plan is a crucial first step; this time can really be overwhelming. All business owners have to think about and answer how much money they need to get their business off the ground. 

Messing up the step of properly planning your budget can end your dream before it even starts to take off. Owners easily forget to include factors into their seed money that land them into the negatives. You are going to have large, one-time costs, along with a multitude of monthly, ongoing costs. Your startup budget should include only the things that are deemed essential, not the optional features.

Startup Budget

When you start your plan, you need to divide all of your expected expenses into two categories: fixed and variable. Using a worksheet is the best way to plan out these costs. The type of business you are beginning is also going to determine the costs. An online business will have different costs than a brick and mortar store. A bookstore has different factors than an ice cream shop. Let’s take a look at some of the costs you need to have on your plan, despite the type of business you run. 

1. License, Permit Fees, and Insurance

It is wise for all businesses to have a variety of insurances. If you have a brick and mortar business, you need property insurance. Business insurance can help protect you from liability as well as situations such as data theft. 

Most businesses need some sort of licenses and permits. You may need a permit that is industry specific. More than likely, your business needs to undergo health inspections and authorizations. These types of costs are standard for all businesses. 

2. Equipment and Supplies

These costs are going to depend on the type of equipment you need for your business. A restaurant is going to need multiple pieces of equipment for the kitchen, as well as dishes, silverware, cups, and a whole slew of items. 

All businesses need basic supplies; they just differ depending on the type of business. However, most need basic paper products, like toilet paper, and things such as paper, pens, printing ink, and other office supplies. 

3. Rent or Mortgage

Most startup companies don’t opt to purchase a space immediately. Looking for an office building for rent is generally one of the first steps. Leasing may cost more money monthly, but if you plan to grow, you may run out of space quicker than anticipated. Also, co-working spaces for rent typically includes the cost of daily maintenance. 

4. Marketing

Without marketing, no one is going to know your business even exists. A company doesn’t advertise itself. You don’t have to start off with elaborate marketing campaigns, but you should factor in paying an external company. Typically, you need the knowledge of a marketing company to attract customers to your business. It is money well spent. 

5. Employee Expenses

If you plan to hire employees, you must factor in wages, salaries, and benefits (if you plan to offer). While benefits do cost you more money, you are unlike to get qualified employees without them. You need to compensate your employees well to keep them happy and to stop them from searching out better opportunities. 

6. Technology

Hardly any businesses succeed in today’s market without technology. You need to include the cost of running a website, information systems and software (such as payroll), and more. You may also want to include the monthly cost to have the internet at your location and phone service. 

Make sure you don’t forget costs such as utilities into your budget as well. Success is in the details, so plan the best you can.

Watch Out For These 5 Personal Loan Frauds

Personal loans can be of huge help to people when they want to spend a lot on certain activities without depleting all their funds. But they can also make you vulnerable to fraudulent attacks during such times. Lots of people have been victims of scams over the years. But in most cases, it was because the individual ignored his or her better judgement in pursuit of lower interest rates or other juicy benefits. But if you are equipped with enough knowledge, you can safeguard yourself from such scams.

Personal Loan Frauds

Here is a look at the personal loan-related frauds prevalent and the steps you need to take to protect yourself:

1) Scam of the processing fee

Imagine a situation where you apply for a personal loan. You fill out the necessary forms and the lender sends over an agent to collect the required documents. You are all set to receive the loan amount in a day or two. But at the last minute, the agent asks you to pay a certain amount upfront as processing fee. There is nothing unusual in the request, right?
Authentic lenders do not charge processing fees upfront. The general practice is to deduct the fee from the total loan amount. Anyone asking otherwise is a fraudster looking to disappear with your money. 

2) The limited offer scam

Never buckle under pressure if the salesperson announces an ultimatum on the loan offer. This usually happens when the lender is not real. All they want is your personal details. You will generally hear something like this: “Hurry up or these attractive rates will expire by 5 ‘o’ clock in the evening. Now just give us your debit card details before we proceed.” 

After this, the only place to proceed is the police station. Once you get quotes on interest rates from a bank or Non-Banking Finance Companies (NBFCs), you can be assured that they will follow up. However, genuine lenders give you time to think about your options before you make your decision.

3) The invisible company

The arena of personal loans has changed dramatically over the years. Apart from banks, there are lots of Non-Banking Finance Companies (NBFCs) that offer loans and many say that NBFCs are actually better than Banks when it comes to offering home loans. But before taking the loan, check if the company is genuine. You will find numerous scammers out there with the sole purpose of stealing your money. 

It is in your best interest to research the company’s credentials. First of all, check if the company has a physical presence. Does it have a registered address? Call the telephone number and look for their website online. Also, search for borrowers’ reviews of their services. Better stay away if the company doesn’t even have an address or registered phone number, 

4) Credit history? Who cares

As a borrower, it is your duty to find out as much as possible about the lending company. In turn, any genuine company will want to collect necessary information about prospective borrowers. They will want your credit score, your income slips, and other documents which prove that you have the capability to repay the loan. No company wants to give out money to someone who is prone to default. So, you need to be on alert if the lending company says that it is not interested in your credit score. This usually means that the lender has no intention of lending you money.

5) Trickery in the virtual world

Unlike their previous counterparts, fraudsters of this generation have it very easy. No more standing under the hot sun to rob an unsuspecting victim. They can do the same thing without stepping out of their house. Welcome to the world of phishing scams. Here, a fake website is created that perfectly resembles a popular banking site. When you log on to the site to take a personal loan, the fraudsters collect information such as your account number and passwords. And before you even realise, funds are withdrawn from your account. 

To protect yourself from such frauds, always be mindful of the URLs you click. You never know in which site you may end up. Also, make sure that the web address is preceded by “https”. Here, the “s” stands for “secured” and it is a proof that the website is authentic. 

Bottom line

These methods can help you identify scams when you come across them. However, scammers are always on the lookout for new ways to take your money. The onus is on you to protect your savings. If something happens, there is no point in saying: “I didn’t know.” When it comes to money matters, you need to always be alert at all times and keep the above points in mind.

Personal loans or Credit cards: What’s my choice?

It is a common debate: Should I take a personal loan or reach out for my credit card? Probably, you too may have indulged in water-cooler discussions on this topic with your colleagues. You will find that both these financial products have their own advantages and disadvantages. Let’s observe how they fare against some common metrics that determine the decision of borrowers. 

1) Processing time

Imagine you are working at your desk like usual, and you get a phone call. WHAM! Bad news: you need Rs 1 lakh at immediate notice. You don’t have that much money lying around. If you have a friend or relative offering help, that would be great. Problem solved. Good luck mixing business with pleasure- we’ve heard that never goes wrong!

Personal loans or Credit cards

Otherwise, it may be a good option to use your credit card. The processing time for a credit card loan is very little. Just dial the customer care number of your credit card and put in your request for a loan. Provided that the loan amount is within your credit limit, it will be credited to your account within 24-48 hours. If you need to pay immediately for medical expenses that are not covered by your insurance, this option can prove to be helpful.

Though you can avail a personal loan for such situations, the total time taken to process the loan is much greater. First, you need to submit the necessary documents like your payslips, Form 16, KYC documents, etc. You get the money only after the bank verifies all the documents and finds that you are eligible for the loan. The entire process can take a week. 

2) Loan amount

Credit cards come in handy if you are in need of short-term financing. It is best employed to cover small purchases like daily expenses or monthly bills. Of course, you can use cash or debit card for such transactions but when you use a credit card, you get benefits such as travel rewards. Further, using a credit card to purchase stuff is similar to cash purchases. The interest payment is zero as long as you cover your payments within thirty days of the purchase.

But if you require a larger amount, it is better to opt for a personal loan. You can utilize a personal loan to fulfil any of your financial goals. In fact, you can even start a new business venture with a personal loan. 

3) Rate of interest

The interest rate on a credit card is always going to be much greater than a personal loan. The interest rate for a personal loan peaks around 20%. But for credit cards, you will find that rates can even shoot up to 50%. Remember, in the case of credit cards or personal loans, your credibility and credit score can determine your interest rate. Borrowers who have a good credit history usually avail loans at a better rate. Sometimes, the lender may grant you a loan even if your credit score is poor. But the interest rate for the loan will be much higher.

4) Time period for repayment 

There are a lot of credit card debt-trap stories. But did you ever hear one that revolved around a personal loan debt? Personal loans are instalment loans. This means that the lender gives you a lump sum and you make regular payments over a specific time period until the debt is repaid. It is usually between two to five years. Credit card debt, on the other hand, is revolving. This means that you don’t have a specific date to close your debt. It all depends on how much you spend and repay every month. And if your spending habits are not in control, the payments can go on for a long time.

Bottom line:

In the end, which is better: credit card or personal loan? Unfortunately, there is no single solution to fit each and every situation. Both of these products were designed to serve specific purposes. However, it is best to opt for a credit card loan only in the most extreme circumstances thanks to high interest rates. If you are faced with a situation where you need fast cash and without the hassles of documentation, then go for a credit card loan. Otherwise, it is best to fulfil your goals through personal loans.

When Will Gold Futures Settle?

Recent volatile trading has resulted in a lot of unpredictability in the precious metals, and specifically gold, markets in the past 12 months or so. From the uncertainty that the Brexit vote threw up in the international markets, to an improved economy and many other factors, gold has recently risen in value. But is it set to last? If gold futures make up part of your trading strategy and portfolio, then it’s important to try and predict its next movements.   

Gold trading

Futures Fall

Gold futures fell for the first time since May at the end of August, closing at $1,316.50 an ounce. This was the lowest settlement for a most-active contract since June 23rd, the day of the UK’s EU referendum, which may be a coincidence or have played a part. Market analysts have pointed towards the trimming of positions by speculators, concerned that the Federal Reserve may raise interest rates before the end of the year which would reduce the demand for precious metals. If this happens then expect gold futures to drop off even further.   

Potential Climb

Despite this recent fall, some market analysts are still predicting that gold futures will bounce back and may climb over the rest of the year, potentially breaking the $1,400 an ounce level. This will depend on the Federal Reserve’s policy, and whether it decides to raise interest rates or not. Muted trading is expected while such uncertainty remains, yet gold has since climbed a little bit with the building up of positions by traders. 
Currency Value Impact 

Currency value has a big impact on the price of gold, with a stronger US dollar generally signalling a weaker value of gold, and vice versa. However, in light of the Brexit result the US dollar has been making large gains while the price of gold has also increased in value. There are a few key events in the near future that will possibly lead to a weaker dollar, at least temporarily, such as the US election. This could see gold futures increase again. 

Further Unpredictability 

Many other aspects could make it harder to predict the future for those trading gold futures online. The eventual Brexit, US election, Federal Reserve action and other changes in the global financial markets will all work together to help gold futures either stabilise or remain unpredictable. If you’re looking to trade gold futures, then it is important you stay up to date with movements in the gold and precious metal markets.

5 Reasons Why Outsourcing HR Will Help Your Business

Human Resources is very vital to any business and it delivers important functions to help the company in so many ways. While there are companies who prefer to have this department internally, some found HR outsourcing to be more beneficial. Here are some of the reasons why you should start outsourcing your company’s HR functions:

1.It helps minimize cost

A fully functioning Human Resources department will require you to hire well-trained people and you need to hire multiple workers to carry-out all the HR functions. Having many people would also mean bigger working space. Thus, if you will outsource it, you can avoid hiring too many people and you can also cut-off back-office expenses.  It could surely help you lessen overhead expenses.

Business plans

2.It gives work efficiency

Efficiency and productivity is very crucial to any business and there is no doubt that HR outsourcing can give efficiency to your company. HR outsourcing companies are using advanced HR technologies for payroll and benefit administration. Thus, you have the assurance that everything will made on-time. Also, managers won’t spend more time on paperwork and they can focus instead on using their skills to contribute to the company’s growth and success.

3.It is significant for employee development

If you are adding new functions to your company, HR outsourcing firms can absolutely help you identifying potential employees to fill-in the new functions. HR outsourcing firms can provide an honest evaluation from time to time. Those companies who outsource their major HR functions handle employee development and performance more efficiently than those who are not. More importantly, HR outsourcing firms can effectively encourage employees to follow the company’s rules and regulations to achieve business goals.

4.It helps minimize risk

Most companies find themselves behind when it comes to labour laws and regulations. Thus, the risk of labour law violations is high. The best way to minimize the risk is to outsource this function to the firm who specializes in employment laws and employment regulations. It can keep your company away from danger. The HR outsourcing firm will also help you with the compliance procedure and eventually helps you avoid lawsuits. Lastly, they can check and audit your company policies and practices regularly to help protect the company’s best interests.

5.You can avoid turn-over troubles

One of the benefits of outsourcing HR functions is to save yourself and your company from turn-over troubles. Imagine if the payroll in-charge resigned in short notice and you still have to train the new replacement. What will happen if the payroll stops for a week? What will happen to your employees? You can prevent these horrible scenarios from happening by outsourcing crucial HR functions. By then, you don’t have to worry about anything.

Some large companies have all the means to have all HR functions in-house. However, smaller organizations prefer to outsource for some reasons. If you think that your business can benefit from HR outsourcing then, why don’t you give it a try and see the difference?

Bullion vs. Shares: What to Invest in 2016

After five years of rallying, the beginning of 2016 was regarded as one of the worst performances of the stock market. Then recently, investors have begun to pull money from global stock funds at a faster rate since 2011. This raises the question: Is this a good time to invest in stocks? Unfortunately, there is no correct answer. This is because it is rather difficult to make an accurate prediction which direction the stock market will go in the future. Historically, stock market is always on the rise. This suggests that it will be useful to look at long-term investments.   

Generally, investors who are patient have been rewarded with positive long-term returns. Investors are likely to invest primarily in mutual funds, representing different types of assets such as international stocks, bonds, or large growth stocks. These diversified assets reduce the risks and effects of changes in the stock market in the long-term. Investing in bullion is another lucrative option an investor can take to reduce risks and diversify assets. Bullion represents quantities of precious metal, like gold, silver, platinum or palladium, which are typically measured by weight and cast as bars. Investing in bullion or shares has its own merits.  


Stocks are also known as equities or securities. Stocks are equities because they are an investment representing part ownership in a corporation. This entitles the owner of the stock to a share of that corporation's earnings and assets. How the company performs will dictate the value of the stock. If the company performs well, then the value of the stock will also increase. Thus, investing in stocks can be a tricky business; an investor must be able to accurately evaluate how a company will perform. A good choice can mean profit, just as a bad choice can lead to loss.


Gold and other precious metals have been used as a store of value dating back to ancient times. The advantage of keeping bullion compared to paper or digital stock certificates is that gold is tangible and fungible. Gold is often considered as the ultimate hedge fund, worth holding on to because it is universally acceptable, a universal finite currency. Buying or investing in gold is a way to ensure that wealth can be passed from one generation to the next. The simple goal of acquiring bullion is to buy when prices are low and to sell when prices are high. 

However, the stock market is never simple or easy to predict. While the performance of the stock market greatly varies depending on market conditions, it is a good investment vehicle. The value of a stock depends on its growth from an anticipated increase in price plus dividends. Stocks often perform best in stable governments and thriving economies. Bullion, on the other hand, is also a good investment being generally considered as a store of value. While the price of precious metals is stable over time, it does not have a stock’s ability to appreciate in value in the long run. 

Tips for Buying Gold Bullion without Being Ripped Off

With the ever-changing economy, so many people have begun investing in gold, especially physical gold, like gold bullion. This is because while stock market prices may crash, gold remains a reliable option for you to rely on in case of an emergency. However with physical gold, there is a greater chance of meeting scam artists so follow these tips when buying gold bullion to avoid being ripped off.

  • Make sure that the seller isn’t trying to sell you a counterfeit coin. Ask that the coin be weighed in front of you. Fake coins weigh less than genuine ones because they’re comprised of mainly iron or copper. Perform a few other tests to check for authenticity, such as the magnet test, where you place a small magnet above the bullion you’re interested in. If they attract to each other, you’ll know it’s a fake.  You can also try gently tapping the bullion with a non-abrasive metal and if it chimes or pings, it’s genuine bullion. However, if it makes a clunky noise, it’s a fake.
Buying Gold
  • Know what kind of coin you’re buying so you can spot a bait and switch. Bullion coins are worth purely their melt value, while historical coins are measured both by their melt value and how collectible they are.
  • Know the formula to figure out the current premium and spot price. The formula to calculate the premium includes subtracting the spot price from the quoted price and dividing it by the spot price. After that, multiply that number by 100 and you’ll have your premium percentage.  Aim to buy gold bullion no more than five to 10 percent over the current spot price.  The spot price changes to make sure you know what it is currently.
  • Buy your gold from a reputable gold dealer and only buy genuine Australian Gold bullion. Aim to find a site that carries genuine Swiss gold bullion, as well as newly popular silver and platinum bullion. Look for a company that lists up-to-date prices on their website and has local offices and investment professionals to assist you, as well as an accessible website if you choose to buy gold bullion online.  Check if they include a buy back policy, if for any reason you’re not satisfied. Most reliable ones do.
  • Research current prices often.  This protects you because you’ll be well-informed when shopping around, but you’ll also know current trends in case you do ever run into a financial emergency.
  • Avoid making stupid mistakes and instead make smart choices, like putting your bullion in a private depositary or even a locked safe at home. Many banks or dealers offer you unallocated storage, but you could get screwed with bank fees, or even extra insurance fees if something happens to the bank. In addition, sometimes offers of “free storage” can be misleading so you’re better looking for storage on your own.
You shouldn’t be scammed and feel overwhelmed just because you decided to invest in gold bullion. As long as you stay aware of the current trends, daily rates, and where you can purchase some gold reliably, you should be able to invest in this latest craze too.

Saving For A House? 4 Ways To Kickstarts Your Deposit Fund

Saving for a new home is one of the most challenging financial projects any of us ever undertake. And it only gets harder, the longer we stay out of the market. Renting costs about $2,000 a year more than paying a mortgage. And house prices are going up every year, making deposits even more expensive. So for many families, it’s a race against time to save for a deposit and get on the housing ladder.

High Interest Savings Account

One of the best places to put your money is into a high-interest savings account. In some countries, you’re not taxed on the interest you earn from money in your savings account. For instance, in the UK, Brits no longer pay 20 percent capital gains on savings in their ISAs below the £15,000 threshold. In other countries, like Australia, savings interest is still subject to tax. But it’s a still a much better way of building up money than keeping money in a current account.

Saving For A House

In Australia, savings accounts are overseen by the Australian Prudential Regulation Authority. So if you’re unsure about any savings account offers you see, check with them first.

Budget Cutting

If you’re a first home buyer in Sydney, it takes eight years to save for a 20 percent deposit on a medium sized house. That’s $200,000. In Melbourne, it’s 5.8 years. In Brisbane and Canberra, it’s 4.1 years.

These are obviously substantial sums of money. And so most families have to cut their spending back to the bone to afford a house. So what are families doing to save? First off, they’re cutting out unhealthy habits. A typical cigarette habit costs the average person about $2,600 per year. Over the course of 8 years, that’s $20,800, or about 10 percent of the deposit price. Second, they’re cutting back on meals eaten outside of the house. Meals outside of the house are most household’s biggest entertainment expense. And so cutting these out helps to control unnecessary bills. Food can be just as delicious if cooked in the home.

Saving For A House

Finally, we’re seeing a trend towards using smaller, more fuel-efficient cars. Gas-guzzling cars today are an unnecessary expense that can push back a house-buying date. Many people are now using apps like TrackMySPEND to find out where they’re going wrong.

Move Back Into Family Home

Today’s housing market is so distorted that practically nobody can afford a home without taking drastic action. One such measure is to go back into the family home temporarily. This provides so much needed relief from private rents. And it could save the average renter more than $11,000 per year.

But it’s not just rent where savings can be made. When everybody lives together, it also means lower average bills and other costs.

Cut Out Foreign Holidays

It’s not a good idea to cut holidays entirely out of your schedule. But staying at home and avoiding costly air fares is certainly a good way to reduce your expenses. Right now, the average family spend for a foreign holiday is hovering around $4000.

Dealing with Honest Car Dealers and How to Find Them

Before you start to look for a reputable dealer, whether it is to sell or buy your car, it is important to gain a little knowledge first. There is plenty of impartial and knowledgeable advice available online on websites such as the Australian Motoring website. You can learn tips such as how to spot a write-off, as well as tricks dealers use to make cars appear better than they are. The more knowledgeable you are, the less likely you are to get ripped off and be able to hold your own against any salesperson. 

Buying car

Find Out Your Cars Worth

Before you approach and dealers you will need to know what the value of your car is. You can do this easily online as many companies are offering free car valuations. The process is quick, and all you need to do is fill in a few details online, arrange a day, time and also a location for a visit, and a representative will come to visit you and value your car. They will also make you an offer on the spot, which you may decide is more than reasonable and accept it. Now you know your vehicle's worth, it is time to find a dealer. 

Research Online

Take a look at all of your local dealers online, and then look for reviews and comments online from previous customers. It is common for a mixed bag of reviews with every business, but you will be able to spot patterns and a consistent low standard of service with individual companies, just by reading the reviews. You will want to take all of the information that you find out on board, and use this to whittle down the amount of companies that you will talk to, to two or three. When you have made a decision which companies to talk to, it is time to pay them a visit. 

Speaking to the Dealers

When you go into the dealers, make out that you have no idea about cars and also what yours is worth, and get them talking. Do not give them too much information and instead of talking makes, models and money, get them to take you out to show you their available stock on the forecourt. Make sure that you play hardball and get the salesperson to work hard to gain your business. Remember, you already know a bit about the industry, as well as your car’s value, so you can see how honest and trustworthy each dealer is when you visit them. You will often find that a reputable dealer will offer you a very fair price for your car, and sometimes even above the book value if it is in good condition and you are prepared to purchase a brand new one from them.  

Remember to take your time and do not rush into an agreement. Remember you are the customer and if the salesperson wants your custom, see how hard they are willing to work for it. Without a bit of research and a few visits to showrooms, you will be driving around in your new car in no time at all!

Why You Should Evaluate Your Finances If You've Got An Incurable Illness

The one thing we would all love is to have the ability to lead a long and happy life. But, the sad truth is that's not always the case. Many people end up suffering from debilitating illnesses each year. And, in some cases, people have incurable illnesses.

Some conditions can make life hard for those suffering from them. One such example is Crohn's Disease. Of course, others suffer from things like cancer. In any event, it's important that one keeps their financial affairs in order.

Why You Should Evaluate Your Finances If You've Got An Incurable Illness

But, what is the best way of doing so? Well, there are a few things that you should consider for your financial future. Especially the futures of those closest to you. Here is what you need to know:

Power of Attorney

You might feel fine right now, but there may come a time where you won't. Before the time comes, it's important you get your financial affairs in order. When you're no longer able to manage your money, someone else must do so for you.

In most parts of the world, you can create a Power of Attorney. It's a legal document that gives a named person or people the right to manage your financial affairs. It's useful for taking care of things like bills, investments, and bank accounts.

You need a law firm to draft a Power of Attorney document for you. That way, everyone can ensure that it is legally-binding. Take a look at https://www.rocketlawyer.com/form/power-of-attorney.rl to see what one looks like.

Life Insurance

What happens when you're no longer in a position where you can work for a living? How will you pay for your monthly expenses? And how can you help to support your family on a financial level?

Most people assume that life insurance is a policy you take out that pays money when you die. But, many life insurance policies can also pay out if you get a terminal illness. In either case, it's an important way to secure your family's financial future.

Using an earlier example, let's say that you suffer from Crohn's Disease. You already know you have the condition. You might think that all insurance companies won't cover you. But, it might shock you to learn that's not the case at all!

Many firms can provide cover to Crohn's sufferers and those with other diseases. Take a look at http://www.claybrooke.org.uk/pre-existing-conditions/crohns-disease/, for example. You only have to do a quick Google search to find them.

For the small monthly cost of your premiums, life insurance is a worthwhile policy to take out. Especially if you've got a family in tow.


As your illness progresses, you will need more medical care. At this stage, it's crucial you put into place the right healthcare systems. You could, of course, save some money for your future medical costs. But, a more practical and cheaper method is to take out private medical insurance.

In some parts of the world, it's mandatory you take out such policies. But, even if that were not the case, it's still a good idea.

Final thoughts

As you can see, it’s crucial to take care of your financial future. Not just for yourself, but for your family’s benefit too.

9 Reasons Why You're Throwing Money Away In The Workplace

We go to work to make money, so you might be surprised that so many of us are actually wasting our cash while we’re there. What’s the point of doing all that hard work if you’re not going to take care of your finances properly? It’s very easy to throw away your earnings for needless reasons, whether you’re a regular employee or a business owner. Make sure you don’t end up in the following scenarios!

Throwing Money Away In The Workplace

Lunch Costs

Let’s start with an obvious one. Workers of all types are inclined to spend their lunch hours by purchasing food from the local canteen. If one isn’t available, they’ll probably go out and have lunch at a local restaurant or fast food joint. As a one-off treat, this is a good idea to bond with your colleagues and employees. However, when this becomes a daily occurrence, you’re wasting away your cash on an extreme level. By taking the time to come equipped with a readymade meal, you’ll be saving those all-important funds. Isn’t that more important in the long run?

Failing To Build A Rapport

An inability to build a rapport with both colleagues and employees is very detrimental to your success. In the case of an employee, it means they won’t get on with their fellow workers. This can lead to being generally disliked, disrupting the happy and productive atmosphere in the company. In most cases, this will lead to failing to be given opportunities such as promotion and team-related tasks. As a business owner and a boss, the lack of ability to gel with your employees is devastating. You need to have a good relationship with them and be respected by them if you hope to achieve success. 

Lack Of Financial Organisation

It makes sense that a lack of financial organisation will lead to a loss of funds. There are all sorts of ways that this can become an issue. Sometimes, it can come down to a lack of knowledge on the part of an employee. Understanding taxcodes, 0T, BR, and more is important to make sure you’re paying the right amount of tax. The same goes for businesses, who are legally obligated to make sure they get this process right. Ensuring staff get paid correctly and on time is also important, as is understanding the financial health of the company. We could write a whole article on financial organisation tips - it’s that important. 

Lack Of Financial Organisation


I dread to think how much money is being lost as a result of procrastination across the globe. The truth is, we’re surrounded by all sorts of distractions that cause procrastination to become a major issue. Facebook, YouTube and long discussions by the water cooler can all result in a lack of productivity. As an employee, your consistent procrastinating is holding you back from being the very best employee you can be. As a business owner, it’s halting your company’s progress and allowing it to fall behind the competition. 

Lacking Desire & Commitment

It’s simple: you lack the passion for performing at your highest level. Unfortunately, you need that desire factor in order to make the most of your opportunity. You won’t be able to convince the higher-ups that you’re deserving of financial rewards if your work is suffering. Similarly, you won’t be able to push your company to its limit if you’re aren't willing to put in the effort. A lack of desire and commitment is a dangerous warning sign that something is wrong. You either need to consider a different career entirely, or focus on getting your mindset back into the right place.

Allowing Others To Take Advantage

There are people out there that simply don’t know when to say “no”. They’ll be asked to do far too much work than their salary should command, but they’ll take it anyway. It’s important to understand how much work you should be doing, and how much you should be paid for it. One of the qualities of any good business owner is knowing how to get the most out of any situation. Simply accepting anything you’re given will develop a poor reputation that others will look to exploit. You need to get a thick skin. 

Law books

Not Keeping Track Of Holiday Allowance

This is another simple one. Your holiday allowance is allocated to you on a yearly basis in many cases. You have a certain amount of holiday time that you need to take. If you fail to keep a proper track of it, you’re going to lose out in one of two ways. Firstly, you might just lose the holiday altogether, meaning your relaxation time gets thrown out the window. Alternatively, you might have been allowed to claim the cash value of that holiday instead, but now you’ve left it too late. As an employer, failing to keep track of holiday allowance can lead to understaffed nightmares. You don’t want to fall into this trap.

Failing To Meet Legal Requirements

This one is almost solely on the responsibility of the employer. There’s a lot to think about as a business owner when it comes to the law. Failing to adhere to its standards could destroy your company in one fell swoop. It’s very important that you take the time to study every element of the law as it relates to your business. Failing to understand the ins and outs of health and safety, employee rights and more puts you in a dangerous position.

Quitting Your Job

You can’t argue with this one, can you?! If you quit your job on the spot, your income will dry up. It is generally frowned upon that anyone would quit their job without having a goal in mind. The reason for this is because it’s going to be difficult to obtain new employment. Now, you’re unemployed for no good reason, and that’s not always easy to explain in an interview. It is even argued, in some cases, that quitting instead of being fired is the worst option of the two. The reason for this is because you can still seek unemployment benefits if you get fired. 

Which reason do you think is the biggest culprit? Let us know in the comments.

Personal Financial Obligations You May Have to Deal With

There are so many personal financial obligations that you need to deal with in your life. Some of these are necessities, and others are things you may wish to take care of as a contingency. It’s vital to make sure you take control of your personal finances as much as possible. These are a few of the things you’re going to need to sort out yourself.

Private Pension

It’s never too soon to start thinking about your pension. Of course, you may well be entitled to a state pension, but it would also be good to come up with your own private pension as well. That way you are looked after and taken care of financially. The private pension will supplement your state pension, and give you a better retirement. So, it’s important that you get this sorted out as soon as you can.

Personal Financial Obligations


There will come a time in your life when you will need to think about getting onto the property ladder. And this means you need to consider getting a mortgage. There are a lot of different mortgage options available to you. And there are a lot of costs involved when you enter into a mortgage. So, you need to think about the right mortgage options for you. Try to make some savings as much as you can so you can afford a good mortgage rate. You need to think about how you can get the best possible mortgage. Meet with advisors to talk about your options so you can make the right decision. You need to get mortgage advice help from SMBIA.co.au and use it to help you secure the right mortgage for you.


Everyone will have to deal with debt at some point in their lives. And the important thing to remember is to make sure you don't get into a spiral of debt. It’s important to make sure you take control of your debt and work on debt management. Consolidation is the best way forward, and you need to make sure you get this sorted as soon as you can. You need to figure out how to climb out of debt and get back into the black. Meet with debt management companies and come up with repayment options that will help you beat your debt problem.


These days investing has become a common and popular choice for people to make. We are all looking for more ways of supplementing out pensions. And that's why it’s important to make sure you have investments lined up. This is something that you need to work on as much as possible. Investments are a great way of generating extra income, and looking after your future. But, you need to make sure you choose the right investments. And a big part of this involves identifying what the best investments are. You also need to know what the dangers of investing are, and how you can make more sensible decisions.
Starting a Family

Starting a family is a big cost these days. You need to make sure you are prepared for what it entails to have a kid and start a family. You’re going to find the costs of living are much higher once you start a family. There are a lot of things involved in starting a family, and you need to be sure you can afford to do this. So many people choose to have kids and start a family when they aren't in a financial position to do so. And this is not advisable, so you need to make sure you are financially stable before making the decision to have kids.

Moving House

There are a lot of times in your life when you’re going to have to spend a lot of money. And one of the big ones is when it comes to moving house. This is a big step in anyone’s life, and you have to make sure you take charge of it. There are so many costs involved when it comes to moving house, and you need to be aware of what these are. It’s not just a case of actually buying the home though. There are so many other costs involved as well such as agency costs, conveyancing fees and moving expenses. You should sit down and come up with a list of all the costs you can expect to front when you move house.

Frugal Living

Everyone these days seems to be doing as much as they can to embrace frugal living. A greener way of life is more preferable to a lot of people. And, it’s important that you take measures to try to become a bit more eco-friendly. The benefits of frugal living are that it can save you a lot of money in the long term. It’s important, especially when you have a family, to make sure you are more frugal. You need to look for as many ways as possible to save money and improve your financial situation. And this is one of the most important parts of managing your money and making yourself more comfortable.


Insurance is something you need to think about in your life. There are a lot of different insurance premiums you might consider taking out in your life. Things like life insurance, health insurance, and, even car insurance. These all play a big role in your life and you need to make sure you deal with them. Choose the different types of insurance you want in your life for extra protection and security. You also need to make sure you choose the correct premium for each new. Check out insurance price comparison sites to make sure you can choose the right premium for your needs.

In your life, there are a lot of financial obligations to deal with. And you need to make sure you know what these are. Once you identify them, you can take steps to start making sure you deal with these obligations. There are a lot of things you’re going to need to think about, and a lot of financial decisions you’ll need to make. These are all important in your life, so you have to make sure you take charge of them.