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Getting the right Business Insurance

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Insuring your business may seem like a no-brainer but for many people, just staying on the right side of the ledger books is more of a concern than insurance. However, not getting the right insurance for your business could leave you out in the cold if something were to happen, and unfortunately, bad things do happen.

small business insurance australia

Is Business Insurance a priority

Many people think about business insurance as a big lump sum that gets taken from their bank account every month, but business insurance is different. Not only are there many different types of business insurance, but these types can also be tailor-made by insurers to suit your business. If you own a retail store for example, you may need to insure the building you operate from and the contents of your business. If a fire was to occur and you were left without any stock to sell you would have to go out of business.

On the other side of that coin, anyone who has a service to offer won’t need this kind of insurance. They may need malpractice insurance and public liability insurance to ensure that if they are sued by a client or customer, they will be covered for legal fees.

Comprehensive or Partial insurance

Comprehensive business insurance is an attainable goal, but not everyone needs this kind of insurance. Why bother with comprehensive insurance if you don’t have any vehicles that need to be insured, for example? A company that does make use of a fleet of vehicles would need very different insurance to a woman selling cupcakes out of her home kitchen. It all depends on various factors, such as what your business or service is about, how much money you make a year and what type of product you sell.

Many people see the sense in getting public liability insurance if they have a service to offer. If you were to operate a gym for example and someone broke a leg on your property, you would need insurance to cover their medical costs. If you are selling products however, and your geyser bursts, damaging your products, you would need product insurance.

The best way to get the right business coverage for your business is to contact a professional who will be able to take you through the various forms of insurance and how they could potentially aid your business. Remember that for business professionals, not having any insurance should never be an option. It is just too risky.

10 Ways for E-commerce businesses to Improve their Landing Pages

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It is highly important to create a perfect landing page as it has the potential of making the biggest pleasant difference. After all, a highly sophisticated landing page has the potential of bagging immense business like never before.

10 Traits of effective landing pages

Following are the 10 Traits of effective landing pages

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  1. Simplicity

In order to attract customers, people “over do” their landing pages as they forget that the best way is to make the pages as simple and clean as it is possible. Links should only be kept wherever necessary and pop ups should be avoided to the core. Content equally need to be easy so that it is understood by every one. In this way, a visitor can realize the things which are being offered along with the ways to get them as well

  1. Provide fast search feature

Many businesses fail owing to the fact that in spite of giving all the details about the product they are not able to provide strong, reliable and fast search feature. It is necessary since customers want to search and check other products as well.

  1. Trustworthiness

Scams are every where, hence you need to go overboard in order to make every body realize that your company is trust worthy. Testimonials are one such way to build trust followed by getting security certificates along with badges from companies like Better Business Bureau and Verisign work wonders too.

  1. Clear and concise Goal

A person should have a vision for his landing page as each and every single page should motivate readers towards accomplishing their goals. A visitor should not be in any sort of doubt or else they will move on some where else leaving you remorseful.

  1. Be creative

Language such as “Place your order” and “Buy now” are extremely effective. Hence, it is important to be creative and innovative to bag business manifolds.

  1. Necessary Content above the Fold

As visitors arrive on landing page, they need to get complete information quickly. They should not have to scroll down or search here and there. They expect immediate information without any delay.

  1. Ongoing Testing

The landing page should be sophisticatedly tested. Every thing from color, size or font should be done in the best way.

  1. Attractive action buttons

No matter whatever colors you select for headlines and text, action buttons need to look different. For example, if your text is in black, let them be in green, maroon or bright orange.

  1. Social proofs

This is an age of social media hence placing a running tweet window will certainly do wonders. It is also advisable to use widget as well in order to invite continuous Facebook likes too.

  1. Enhance user experience

It is important to examine your transactional processes in order to give enriching and everlasting time for customers who happen to visit. If you come across any sort of issues about problems in processing payment or slowdown in information, then try to fix it without any delay.

Finally, aforesaid are the 10 Traits of effective landing pages. These traits will surely make a pleasant difference in your life.

Has The Mining Boom in Western Australia Reached Its Peak?

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The mining boom has seen an influx of people move to WA and Perth. What was once a big country town is now a city in its own right. Many families have based themselves in Perth, and fly in and fly out to the mines. It offers an attractive salary and many workers in the mines in WA are paid well above minimum wage. Some miners on the remote gas and oil rigs can earn up to $200,000 a year. Administrators and drivers can earn $100,000. The draw of high salaries has attracted many people to WA, but is the market now saturated?

mining trucks and boom in australia

Mining boom and Jobs

There have been many newspapers speculating that the mining boom has reached its peak and will be over in two years. BHP and Xstrata PLC, two of Australia’s biggest coal exporters, cut 900 jobs in September. BHP closed its Norwich Park mine this year which saw 1,400 employees affected.

Others argue that the demand for iron ore and coal will continue. China is one of Australia’s biggest imports and they are still developing. Many people do not have cars and washing machines and they will still be in need of Australia’s raw materials. To obtain these minerals there is a constant need of equipment such as tools, diesel generators and trucks for the mines to operate.

Those who do not work in the mines are still affected by the boom. The higher wages from the mines has led to increased prices for basic goods. Household bills have increased the cost of rent and for those looking to get on the property ladder, it is nearly impossible with a normal salary. Those living in Port Headland are having to move out as they can no longer afford buy when the median house price has nearly doubled in the past four years. Closer to Perth, house prices are also very expensive. For those who want to live near Cottesloe Beach for example, it will be hard to find a house for less than $500,000. Coming up for a deposit for this type of house means many of the young local residents have to move away from the community have grew up with to an area with more affordable housing.

Australia’s economy depends on mining, one of the reasons why it has managed to ride through the Global Financial Crisis (GFC) which has affected Europe and the United States. Australia is the largest exporter of iron ore and second largest of thermal coal in the world. Although mining has experienced a boom in recent years, it is unrealistic to assume it can continue to grow at such a fast rate, although it will still play a big part of Australia’s economy. While this sector is performing well, the government should be investing in other areas to ensure there is plenty to keep the economy afloat, should the mining industry flatten out.

Article posted by guest author  “Robin Sharman”

The future of Mobile phones is slim

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Slim n Trim i might say , looking at this Nokia concept phone,  the phone trend is again coming back into the right track with “small is beautiful”

This slim Nokia 888 *** futuristic concept model  can surely be small when its all  wrapped up.

Nokia’s Next generation Concept phone

Nokia's next generation concept phone 

 

We will just have to wait for its release !!

new cell phones are OLED screen nokia 888

Concept mobile phone releases

Other than  this sleek model above there has been exciting new launches recently with other concept phones that are amazing and  still in concept mode like the  Kambala ear phone, Kyocera’s Flexible, Folding Phone Concept , LG Flutter Concept Phone and NEC’s “Tag” Phone Concept

Bank profit reporting season 2012 –Figures

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The big four banks commonwealth bank, Westpac, ANZ and NAB have got a collective annual profit of $22.8 billion

Last year the combined net profit for all four banks were $24 billion, so there was slight drop in profit  this year.

rate cut australia

2012 bank profits Australia

 

Westpac – Full year net profit  $5.97 billion

Commonwealth bank – $7.09 billion net profit

NAB – Full year net profit $4.08 billion

ANZ – $5.66 billion profit

Pacmeakers at risk–Breakpoint 2012

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It could seem like a scene from a movie , a shady looking guy is working hard on his laptop in a busy city area , suddenly people start falling dead to the ground, clutching their chests.

Such a incident can now actually be a reality,  a person with some computer knowledge can easily cause harm to a person and security security researchers are raising the alarm about the security of implanted medical devices.

australian security conference

Speakers at the security conference – Pic ref http://www.ruxconbreakpoint.com/

At  a security conference in Australia (Breakpoint security conference) in Melbourne last month, Mr Jack demonstrated how he was able to deliver a deadly 830-volt jolt to a pacemaker by logging into it remotely after hacking it, but did not reveal which models were vulnerable, a standard practice for ethical hackers, known as "white hats".

M.Jack who also did a demo of how a ATM machine  can be hacked to give out money  at alas vegas conference  demonstrated how he was able to deliver a deadly 830-volt jolt to a pacemaker by logging into it remotely after hacking it, but did not reveal which models were vulnerable.

You can access their online security research papers here.

The internet security conference Breakpoint was held on the 17th and 18th of October 2012 at the Intercontinental Rialto in Melbourne, Australia.

Trademark Registration Faq & Essentials

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Calling All Entrepreneurs: Everything You Need to Know About Registering Your Australian Trade Mark in the United States

 

As a U.S.-based trade mark attorney at Gerben Law Firm PLLC, I frequently receive inquiries from our Australian clients seeking to register their trade marks in the United States. Here are some answers to our most commonly asked questions.

trademark australia patents

Registering Australian trademarks in US

1. My trade mark is already registered in Australia. Does this registration protect my trade mark in the U.S.?

It is important to note that your Australian trade mark rights do not apply in the United States. Therefore, if you plan to expand your sales into the U.S. in the future, you should file for a trade mark registration in the U.S. to make sure your rights are protected.

2. What are the benefits of applying for a U.S. trade mark?

In today’s expanding global marketplace, it may be foreseeable for you to expand your market to sell in the U.S. in the future. It is vital to protect your trade mark in the U.S. if you intend to sell your goods or services in the U.S. By registering your trademark in the U.S., you will have legally enforceable rights in the event that someone else starts using your trade mark in the United States.

3. Do I need to have a business in the U.S. in order to register my trade mark in the United States?

No, you do not need to have a registered business entity in the United States to apply for a trade mark registration in the United States. An Australian citizen, or an Australian company, can own a United States trademark.

4. Why is conducting a US trademark search important?

 

A trademark attorney should always be hired to conduct a complete federal, state and common law trademark search in the United States before a trademark filing is made. An attorney’s search (with specialized software) can spot potential conflicts with your trademark before you file it. Using software available on-line to conduct a trademark search is often misleading and the results should not be trusted. In addition, a US trademark attorney should conduct a state and common law trademark search. These searches can spot a problem that could lead to a lawsuit for you in the future (these are unique rights that are possible outside the federal system under U.S. trademark law).

5. How long does it take to register a trademark in the United States.

After your attorney has conducted a search for you, he or she can assist you in filing your trade mark application with the U.S. government. Once the U.S. government receives your trademark application an attorney for United States Patent and Trademark Office will review your mark to ensure that it does not conflict with a pre-existing trademark and complies with all applicable rules and statutes. It typically takes 6-8 months for the U.S. government to review your trade mark and issue a registration certificate.

10 Reason Why Internships In China Is Good For Your Career

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China’s nominal GDP puts it at the position of the world’s second largest economy. What’s more, it’s also the world’s largest exporter of goods and the world’s fastest growing major economy. A Chinese internship can put the shine on your career, and here are 10 reasons why that is so.

The Chinese Economy Is Booming

Countries such as the UK and the US are just recovering from depressed economies. People are looking for jobs elsewhere in the world. With its burgeoning economy and technological superiority, China is now poised to offer employment to people from other countries.

China Welcomes Foreign Interns

 

Due to major industrial expansion, China has plenty of jobs that need people to fill them. Interns work very well for this purpose, from an economic perspective. As a result, China welcomes foreign interns and offers them great training and job opportunities while ensuring economic manpower for its own industries.

China Offers Both Business Opportunity And Chilled Lifestyle

Chinese companies are willing to share their knowledge and skills with interns, and act as stepping stones to further their careers. As a country, China is fascinating, from a cultural, linguistic and social perspective. Even though the country is steeped in eastern wisdom, it is modern, western and open to other cultures.

A China Internship Opens The Doors To Global Employment

China offers overseas experience that’s welcome in most countries, and also a healthy job market for interns who opt for a career in China. An intern’s future employability increases due to the job skills, knowledge and linguistic flexibility that a Chinese internship program offers.

Chinese-Interned Students Obtain Several Additional Advantages

Foreign students who intern in China have to learn how to live and survive in an alien culture. This makes them more flexible, more resilient, more innovative, adaptable, courageous and outgoing. This also increases their confidence and self-esteem. All these qualities are highly prized by employers worldwide.

Several Companies Facilitate Internship Opportunities

In the recent past, Chinese internship has taken off like a rocket. You’ll find several companies facilitating internship opportunities in top Chinese businesses for a fee. Shanghai and Beijing are two top locations where interns can find suitable internships and even jobs through internship-facilitating organizations.

Many Internship Companies Offer Total Orientation Training

Internship facilitators provide orientation programs for interns to learn about Chinese culture and learn the language. These companies are aware of the extra effort that interns have to put in, in order to survive in China. As a result, they go out of their way to help with orientation programs that help interns settle down.

An Internship In China Helps Build Character

For interns, this is a great opportunity to learn about a new culture and add to their world knowledge. A Chinese internship opens their minds and helps them process information differently. A Chinese internship offers an once-in-a-lifetime chance to experience overseas travel and see a whole different world.

US Colleges Offer Academic Credit For Chinese Internship

US colleges used to offer academic credit for student internships in UK, Canada, Israel and Australia. Now they offer academic credit for Chinese internships as well. What’s more, business schools and colleges encourage Chinese internship, given that China is the world’s second biggest economy.

A Number Of Global Companies Operate In China

Some of the top US companies operate in China and even have offices there. Examples include Morgan Stanley, JPMorgan, KPMG and others. Several corporate biggies have tie-ups with China as well. This means interns have the opportunity to find employment in the Chinese establishments of top global corporates as well.

How to qualify for affordable life insurance quote

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Mortality rate has greatly reduced in the whole world due to lots of factors that have not only been declared national disasters but because they even take a lot of lives. You would expect that only few people would be dying nowadays due to the advancements made in both the technological and the field of medicine but in the contrary a lot of people continue to die. Unlike back in the day when diseases and war were the major cause of deaths, in these days human negligence and ignorance is one of the major causes of death and this leads to terminal illnesses due to contamination of the environment, accidents and also obesity. With nobody being certain of tomorrow, most of the people have resorted to life insurance so as to be able to provide their families a lump sum of cash when they die.

Precaution

How life insurance works

With the intensive campaigns and penetration of lots of insurance carriers offering life insurance quotes it has become easier to access and get affordable life insurance coverage. Unlike back in the day a lot of people nowadays understand the dynamics ad how life insurance works hence the increase in the number of individuals that have purchased life insurance quotes.

Legibility

Unlike back in the day when there were only few insurance carriers offering life insurance coverage and few people covered, today there are a lot of companies that have lessened their terms and conditions so as to attract a lot of people. For you to qualify for affordable life insurance offered by most carriers you must be over 18 years but not older than 66 years, however, you will be covered until you reach 70 years old and after this your coverage expires.

Factors that enable one to get affordable life insurance coverage

Below are some of the factors that will enable you to get life insurance quote with low monthly premiums.

· You are not smoking.

· You do not take alcohol.

· You have a good medical history.

· Your work is not considered risky or you do not take part in risky sporting activities like mountain climbing.

Best place to get cheap life insurance

The internet is the best place to get affordable life insurance quote, this is because there are lots of carriers online fighting for the same customers and with this stiff competition most of them have lowered their price so as to attract more customers. Also, most of the carriers offer discounts for customers purchasing life insurance quotes online plus it is very fast and easy to purchase life insurance online.

Exclusions

Even though you can file a claim and be compensated while under your affordable life insurance quote there are events that you will not be compensated for and they include:

· You are suffering from a terminal illness like cancer, HIV/Aids, heart illness, obesity that your life insurance carrier has not accepted to cover.

· If the insurance carrier has accepted to cover for your terminal illness it cannot compensate you in the event of death in the last 18 months of your policy.

This article is a guest post by salbi99 in life insurance,for more please click here.

Different Types Of Debt Relief

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Freedom from debt becomes an overriding concern for someone who is struggling to pay bills and loans of various kinds every month. When the income streams remain fixed but expenses mount forever the looming mountain of debt becomes even more insurmountable at times.

How to get Debt Relief

Deb relief for australia finance and getting out of debt

 

There are several methods by which this debt can be managed. Debt relief programs can come in many shapes and forms and depending on personal capacity and comfort levels, one can choose the right kind of method that will best suit the financial status and repayment capability of an individual. With personal judgment and recommendations and advice from trusted friends and experts, one can choose the right method or type of debt relief program.

Some people choose the right method simply by doing a bit of simple mathematical calculations. Others may weigh the risks and pros and cons of each method and then take the decision about which one they should adopt. Yet another method of choosing the right kind of debt relief would be to do intensive research on the same – using the internet, expert advice and perhaps even legal advice – and then deciding. All methods of debt relief start with making a thorough and complete assessment of one’s financial status. All income streams and all expenses need to be listed out.

Debt consolidation as a Relief

Debt consolidation is one method of debt relief which relies on the use of one single loan to repay all other debt. This consolidation loan can give the benefit of a lower interest rate to the borrower and also entail the repayment to one single source rather than paying and juggling the payments to many different sources. In turn, this method or type of debt relief can work with credit card balance transfers, secured and unsecured loans and home equity loans. Bankruptcy may sound like a drastic step but this too is a type of debt relief program.

With bankruptcy, one can file for either Chapter 13 or Chapter 7 bankruptcy and become debt free and make it legally binding on creditors to accept the court’s ruling as well. Out of the two options, Chapter 7 has the lowest costs. However, this method is really the last recourse to debt relief management. Debt roll up is another type of debt relief program. This works best for people who have a steady and unthreatened source of income. If there is a good job that pays well and you are in no danger of losing the same then this type of debt relief can work the best.

Such a debt roll up also needs a great deal of personal discipline, for you will need to create and commit to a very organized method of repayment every month. Then there is credit counselling. With this method of debt relief, one can opt for a debt management program. The start point to this method of debt relief is to draw up a monthly budget. You can then repay a fixed percentage of credit card balances every month and do so regularly too. There are plenty of non- profit credit counselling companies that can help in this regard.

This article has been supplied  by paul for www.debtreliefnetwork.com