Due to the pandemic, more employees have recently switched to a work-from-home setup. Many companies, however, didn’t have the time to organise their new remote work system or plan how to manage and handle various tasks and projects while functioning in an online-only environment. The work-from-home arrangement is new for both companies and employees. Many are also still adapting to this setup while looking for strategies to maintain and improve productivity.
How to be productive working from home
Remote work is one of the trends revolutionising modern business because of its benefits for the individual and business activities. Flexibility, convenience, fewer person-hours spent on commuting, convenience, and reduced operational costs are just some of the benefits of remote work.
Once upon a time, remote work (WFH) used to be a practice for freelancers who enjoyed the freedom of being lone rangers that traversed the business landscape and lived by their own rules.
Money Transfer Services in Australia: Finding the Cheapest Rates for International Payments
International money transfers are an increasingly important aspect of the global economy. With the pandemic forcing people to work from home, along with the rise in remote working and freelancing, even small businesses are reliant on international money transfers.
Once borders open up again, it’s easy to see how the growth of digital nomading, remote work, and globalisation in general is meaning that the overseas remittance market is ever-expanding.
What’s all this talk about super stapling?
Back in the 1980s, when Australia’s compulsory superannuation system was born, it was quite common for people to work for one company across their entire careers. Fast-forward three decades, and that notion is pretty mind-boggling, since today the average Australian worker could have up to a dozen or more job changes – and this is particularly so amongst Millennials. One effect of all those job changes is the potential to accumulate multiple superannuation accounts, especially when an employee simply ticks the box for their new company’s default super fund. And to be fair, how many of us in our 20s really took much notice of super?
3 Ways to Get the Best Personal Loan
Personal loans are in great demand by the Aussie public – just look at the figures.
This year, August saw $391 million worth of loans for personal investment (which doesn’t include property!) get approved – the highest that figure has been since way back in the middle of 2015.
If you’re one of the thousands of Aussies looking at taking on a personal loan this year, here’s 3 ways you can get the best deal for the buck.
How to Improve Your Student Finances with a Personal Budget
Uni life taking its toll? If you seem chronically short of cash and struggling to pay for rent or groceries each week, you need a budget. A student’s finances won’t be princely sums to begin with, especially since we can’t work full-time amid our studies; but we can make our student finances stretch a bit further with some clever budgeting and some other financial tips.
Debt isn’t always bad: student loans for investing in yourself
What Is a Bank Overdraft Used For
The safety net of a bank overdraft provides peace of mind. Fluctuating fortunes can be balanced by using a bank overdraft for flexible access to money when it’s needed. When managed properly, an overdraft can provide leeway during times when money is short, with the account again replenished during more lucrative times. With an overdraft, funds are readily available, unlike other loan arrangements that lock borrowers in with rigid terms and conditions. Overdrafts have utility for both short and long term financial advantage when used wisely.
Advantages of a bank overdraft
A bank overdraft allows the withdrawal of funds in excess of the account balance. There are fees and interest involved, so understanding the advantages and disadvantages of a bank overdraft is essential to use it effectively. A history of responsible money management and a reliable income stream (or inconsistent but adequate earnings) are needed to access an overdraft facility. When used wisely, an overdraft can assist a person of average means to remain on top of finances, always having money on hand when required. There are quite a few bank overdraft facility advantages worth considering.
3 money-saving tips for buying a new car
Time it right
The time of the year can be a massive factor in how much (or how little) you pay for your car. Choose to buy your car towards the end of the financial year, and you could secure yourself a very nice deal. You see, at this time of the year, dealers are eager to hit their sales targets for the year or to beat last year’s record. Whatever their motivation, there’s no doubt that they are much quicker to offer cut-price deals or throw in free extras at this time of year.
You can also get good deals in December as manufacturers push dealers to sell that year’s model before the calendar year ends. So think December and June for maximum savings.
Get a finance broker
You may have this idea that finance is not the best way to save money but the truth is that very few of us have enough money in our accounts to buy a car outright. And even if we did, taking that much out of your savings is a rather depressing thought.
No, your best option is to finance that new car and keep your nest egg intact. And saving money on your loan is a definite possibility if you use a broker like Stratton Car Finance. By using a broker, you could be cutting down costs right off the bat by avoiding dealer finance which is often overpriced and has unfavourable terms.
However, when you use a broker, they will find you a variety of competitive rates currently on the market giving you the option to pick and choose the product that suits you best. And once you have the finance arranged, you can head to the dealer safe in the knowledge that you have the financial side of the deal sorted. This puts you in position of power with regards to buying, and if you play your cards right, you may be able to squeeze a few add-ons as a deal sweetener. Something that a dealer might not do if they were doing you the ‘favour’ of arranging your finance.
Ask about demo models
Demo models are those cars that you take for a test drive, and that usually spend most of their time in the showroom. They are always tricked out with all the very best features, but at some point, the dealer will need to get rid of their demo model and bring in a new one. And that’s where you come in.
Ask the dealer if they have any demo models for sale. These cars offer incredible savings and often have very low kms on the clock. And while a decent demo model may not be as cheap as a base model, it will have all of those additional features so you’ll get way more bang for your buck.
Just be careful to check all handles, buttons, and levers as these will have quite a bit of wear and tear considering how many test drivers played around with them in the showroom.
So remember the next time you’re in the market for a new car – time it right, use a finance broker, and ask about the demo models. Use any one of these tips, and you should save a little money. Use all three, however, and you’ll be surprised at how much you can shave off the price of a new car. Maybe that leather interior you like so much is possible after all.
How to Save on Electricity During Summer
Australia is known for the hottest summers in the world. Sadly, these summers are not just bound to get even warmer, thanks to climate change – they’re projected to become twice as long as the winter season too.
This year alone, temperatures are expected to break record highs. You’ll need to make the necessary preparations to keep you and your family cool for the summer months. But with electricity costs skyrocketing, how can you stave off the heat without breaking the bank over your electric bill?
Debit Vs Credit? Which do Australians Prefer
Credit and debit cards have been in existence for decades and provide a familiar and convenient way to pay. The question is though, with the dash from cash, accelerated by Covid-19, what are the preferences of today’s Australian consumers when choosing between these two options? And what are the differences between debit and credit card protection?
To begin, we will explore the credit and debit card landscape in Australia.
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