Business

A Look at the Gambling Industry in Australia

February 13, 2014 by Reporter Leave a Comment

For all the restrictions that some parts of the world put on gambling, the Land Down Under has stood apart from the pack by having the highest percentage of citizens who actively gamble at some 80%. Gambling had a quasi-legal standing in the country prior to the 1950s, but in the 1970s the first fully-legal casinos began dotting up all around the country. The government warmed to the gambling revolution when they saw tax revenues from gaming spike twenty-fold by the early 1990s; today at least ten percent of provincial revenue comes from the gambling industry. Overall, the Economist reports that the industry is a $20 billion windfall, with two out of every three dollars in revenue generated from online poker machines or “pokies.”

Size And Scale

For all the pomp and reputation that Las Vegas enjoys, in terms of sheer gambling quantity it’s got nothing on the major Australian cities. The Australian capital of Sydney boasts mega-gambling facilities that are half a dozen times the size of a football field. In fact, there’s more slot machines per capita in New South Wales than there are in Nevada. The Crown Entertainment Complex in Melbourne is the largest in the entire southern hemisphere. An ample opportunity to test their luck has made gambling Australia’s sin of choice: it brings in more revenue than alcohol sales annually.

Sports Betting

What makes your favorite rugby team’s next win better than winning a few dollars on the side? That’s the attitude that spurs major bets on big games, and since a 2008 High Court decision that allows bookmakers to operate across state boundaries, there’s been a gold rush for fans and gamers alike to try to reap the rewards of on-field success. There are a few limits on the gaming — for instance, you can bet on whether or not Cricket Australia wins a test against South Africa and by how many runs at betsafe.com , but bets on how many players will wear sunglasses have been struck down. The amount of revenue that the leagues themselves get from gaming (a cut believed to be around 5%) is rumored to have kept the NRL afloat; had the NBL introduced pokies at the arena it may have reversed its demise. Look no further than the Melbourne Cup, which pulls in half a billion dollars from gambling, accounting for nearly three percent of the annual gaming revenue in all Australia.

The Future Of Betting

Although it’s a good time to get involved in betting in Australia, the current craze may only be the beginning. The introduction of Internet gaming may spur a second revolution in gambling Down Under, since they have the upper hand in competing with gambling sites in Europe and the Caribbean. Since Australian law allows casinos to market their services outside the country, they can pull in foreign money from gamblers on the other side of the world who want to chance a roulette ball or a blackjack card without ever needing to leave their home. It’s anyone’s guess how much foreign money might come into Australia thanks to online gaming, but it may dwarf the $1300 gambled annually by each Aussie.

How to Budget & Develop a Plan for Your Conference

January 29, 2014 by Reporter Leave a Comment

Anytime you are planning a big event, it is a good idea to set a budget and stick to it as closely as possible. When you begin to plan your next conference, there are several simple organizational tips that can help you budget properly and develop a perfect action plan to bring everything together nicely. You will also find that developing a good, solid budget will help you to decide on a proper registration fee for your conference.

Develop Your Budget

· Be sure to start off by doing plenty of research. If you have access to the budgets from previous conferences use those as a starting point. Know the maximum amounts you are able to spend in total on the conference and for each individual expense category.

· Create a list of different expense categories including: rental fees, entertainment, guest speaker/host fees, catering, marketing, printing costs, security and insurance. Be sure to mark which categories are "fixed" expenses and which categories are "variable" expenses that are determined by the number of attendees.

· Determine your possible attendance numbers. Many people use a general rule when planning to always budget lower and be sure not to budget for more than the previous year’s attendance numbers.

· Be aware of possible hidden costs like taxes or gratuities and plan accordingly. Be cautious and always leave room for error by rounding your cost estimates up.

· Establish the proper registration fee for the conference and be sure that this fee will cover paper/printing costs, badges, welcome packages, refreshments and meals.

· Calculate registration fees to determine if you will be able to make a profit. Simply divide your total expenses by the cost of registration to discover the number of attendees you will need to break even and to make a profit.

· Take the time to thoroughly review your budget and make the proper adjustments. Be as realistic as possible with your attendance estimates to avoid a negative impact towards your budget.

Choosing the Right Venue for Your Budget

Another important aspect to consider while developing the plan for your conference is finding the right venue. There are many venues that are able to work easily within your budget and help guide you along the way. An effective venue will be flexible and make it easy to accommodate last minute changes in attendance numbers, catering changes and also offer multiple conference room options. The Bell City Conference Event Complex offers several different conference room styles to accommodate smaller and larger groups. From the theatre style seating that can house up to 500 in the "Ball Room" to the tiered seating for 100 in the "United Nations" conference room, Bell City has the perfect options for any size and style of conference imaginable.

One other great advantage that many venues now offer is the ability to have your venue combine services for you, which will often help you to cut down on specific costs. Many venues will offer packages that include refreshments, catering for meals and other important perks. When you are able to save in these vital areas you can then invest the money you save into other important "fixed" expenses like your keynote speaker and entertainment costs. This will also allow many event planners to go from just breaking even after all is said and done with the conference to actually making a profit.

Small business and Hiring staff

November 19, 2013 by Reporter Leave a Comment

Hiring a member of staff for a small to medium company can be a risky prospect, as you haven’t got the time or money, like larger companies, to go through a thorough recruitment process that allows you to pick the right candidate(s). The amount of people you hire represents how fast your company is expanding, but at the same time you obviously want people who are passionate about the role you are about to offer them and strive to work hard for your business.

Are you Equipped to hire new staff

Before you start hiring new staff members, you should take the time to think about why you need more help. You could find, when you do hire them, that they weren’t really needed in the first place, meaning you’ll have to let them go. An ordeal which is embarrassing, time consuming, and costs money, especially for a new business. When hiring new staff think about:

● Where would they be working and what would they be doing that you or somebody else might not be able to do.

● Is there space for them to work? You don’t want to hire anybody in a small retailer and you find it difficult to move around and do your job efficiently

● If you already have full-time staff, could some of them work part time so you could use their services more on days you’re more likely to be busy. If you have part time staff, could they possibly do full-time to make them more efficient to your companies needs

The obvious factor to think about when hiring staff is whether they share the same passion for your industry as you do (or should). This doesn’t mean hiring someone that has the same personality as yourself, but more in terms of hiring someone who would not be easily bored in their role and has previous knowledge or passion for taking up the position.

Advertising the position

It is important that when advertising, that you place the job in a medium that will be seen by the people you want to hire. There’s no point in wanting to hire kitchen staff and then placing your advertisement in the back of a phone magazine, you’re very unlikely to get a call back. Look into areas that have a high prevalence of advertising in your sector and are able to deliver on getting you the right candidate for the job.

Also, if you’re not trying to go through a long recruitment process then you might be better off not trying the larger spaces to advertise from, as you might receive hundreds if not thousands of replies which you’ll have to trawl through to pick your interviewees. Many people might use recruitment agencies to help find an employee, but to be honest it is usually a waste of money and time, as you could easily do it yourself, and in a shorter space of time.

Make sure you detail the objectives of the role in the advertisement and what skills you may want them to have, proofreading your work to make sure there are no errors. It’s deemed laughable and unforgivable if you’re attempting to recruit staff and you can’t even write out the advertisement properly.

The Interview

The interview is where you get to meet the people who are confident enough to reply to your advertisement, hoping their chosen for the role. For the prospective employee it can be a daunting and scary time, and your job should be to make it as comfortable as possible for them. If they’re not comfortable then you may not get the desired response from them that you want, making the recruitment process take longer.

Before interviewing, attempt to write down an employee bio of what skills or qualities you hope your prospective employee to have. List questions that are relevant to the job role and the important aspects they will have to learn in that position. Again, your aim is not to catch them out but to see if they can fit in the company and work well with you and others. You’ll know when you’ve found the right person, as they’ll most likely be really enthusiastic about the job, and have lots to say about the role and maybe even your business.

Always do a background check of the person you’re hiring. Any referees they have supplied to you should always have at least an email and phone number that you can contact. Speak to their previous employers and then make your final decision on this (if it’s positive) and take into account everything else you want from your targeted employee.

Although they want the job, make sure you outline what the role is about and what they will be doing. Tell them what you do and about the history of your business. It’s better to tell them this now, rather than later, so they can make a decision on whether they feel the role is right for them too.

You’ve chosen the right staff

Once you have chosen your new member(s) of staff, allow them to get on with the job, guiding them along the way and being there to help if it’s needed. Always respect those that work for you, since they are more likely to return the favour. It’s an obvious fact that disgruntled members of staff are unlikely to fulfil their role properly if treated harshly by their managers, so make sure you give them a reason to want to work for you.

At the end of the day, you’re the person who makes the final decision on who to pick for your company, but be aware; you may not always make the right one. Unfortunately people do lie on their CV’s to get jobs that they are not qualified for, you can prevent these people from being a part of your business by, as mentioned, checking their background, and hopefully, through it all, you’ll be able to choose your desired new member of staff. Make sure your staff are familiar with any equipment you might have at your store such as PDQ Machines ( Seen here at Seymour Direct ) or other payment, scanning and stock checking devices.

Risks and Rewards: Eight Essentials for Planning Your Financial Future

October 11, 2013 by Reporter Leave a Comment

Life is inherently risky. You know this. That’s why you need a financial plan, but making a plan is boring. You have to sit down and think about all of the things you don’t want to think about – money, death, taxes, some far-off future retirement. It’s hard enough to know what’s going to happen next week. How are you supposed to make a 30 year plan? It’s true – it’s hard. But it’s not difficult, and the price of stalling could put you in an early grave.

Invest In Yourself

The most important thing you have to do is reorient yourself. Instead of focusing on other peoples’ needs and wants, you must focus on yourself. At its heart, financial planning is about you – your needs, your wants, and the financial requirements of your life.

To succeed, you absolutely must invest in yourself. Your earning capacity as a productive individual is your greatest asset, so make sure you’re on the right career path. If you’re not, consider hiring a mentor or life coach to help you sort it all out. It’s important. If you don’t get this first step right, nothing else matters.

Live Within Your Means

It seems obvious, but how many people do you know have credit cards that they’re making payments on? Credit cards are lines of credit. They’re really designed to be paid off in the same month that you make the purchase. That’s why they almost always come with really high interest rates. It’s to encourage you to pay off the balance quickly. Sadly few people do this. Learn a lesson from those people. If you’re one of those people, stop. Pay down the credit cars ASAP, and create a written budget.

Don’t spend more than you make. It really is that simple.

Buy Life Insurance

Companies like Wealth Smart specialise in selling life insurance products – something you absolutely need. Life insurance isn’t fun to think about, but it’s necessary. Even if you don’t have a lot of expenses right now, odds are you will. Life insurance also isn’t just about covering immediate needs. It’s about covering lifetime needs. This is something you really need to talk with an insurance professional about. Make sure you understand all of your financial responsibilities, and buy enough life insurance to cover everything now and in the future.

Be Cautious About Chasing Yield

Investors often get caught up in chasing yield. Even many financial advisers do this to their clients. It’s always about finding a bank CD that pays more, a stock with a 2pc higher dividend, a bond with better interest yields. Don’t get caught up in that game. Why? Because yield isn’t something you have direct control over. The only investment that guarantees a yield is fixed interest. Even then, the guarantee isn’t what you might think it is.

It’s a guarantee stipulating that if an institution is going to pay, it will pay the stated rate of return. The guarantee is never, and can never be, a direct guarantee on rate of return.

The one thing you can control are your own actions – namely your savings rate. Instead of chasing yield, focus on saving more of your own money.

Keep An Eye On Expenses

A general rule of thumb is that you should never spend more than 40 per cent of your income on debt expenses. A better way of thinking about this is that you should always make purchases based on value to you and your family. For every purchase, you should be able to justify how it benefits you both in the short-term and in the long-term. If you can’t justify it, especially in the long-term, it’s probably something you shouldn’t be buying.

Start An Emergency Fund

An emergency fund protects you from the unexpected. But how do you plan for something like that – especially when it is, by definition, unexpected? Basically, you should save up at least a month’s worth of expenses and then go from there. After you’ve saved up enough to cover a month’s worth of expenses, take an average of the total cost to replace all major appliances and critical systems in your home and for your vehicle.

For example, take an average of the cost to replace your furnace, your appliances, major repairs on your vehicle. This should give you a target savings goal to work on. Once you’ve achieved that goal, build on it and keep adding money to the stockpile.

Start Saving Now

The best time to start saving for retirement was yesterday. When it comes to long-term savings, time is always against you. Even if you have only $100 to save, save it. Do something.

Pay Attention To Taxes

Taxes are a huge drag on your finances. Don’t underestimate the power of consulting with a tax professional every year. Usually, tax planning begins at the beginning of the year – not when it’s time to file your taxes.

Jessica Watts is a financial planner at Wealth Smart with several years under her belt. When she gets some free time, she likes to share her insights by posting on a variety of blog sites.

10 Steps To Turn Your Employees Into Brand Ambassadors

August 29, 2013 by Reporter Leave a Comment

According to a recent research conducted by Gallup, apparently 70% of employees within all organizations are disengaged from their brands. If this is the situation at your organization, you might want to reverse it by turning your employees into brand ambassadors. Here’s how.

1. Acknowledge

First of all, acknowledge your employees and the very key role they play in cascading brand information. It’s only through fully engaged employees that companies can deliver consistent brand messaging across the market. Pay your employees their due; they deserve to be acknowledged and accepted for their role.

2. Audit

Evaluate all internal communications such as newsletters, your intranet, management emails and so on. Is your brand identity and promise consistent everywhere? Are your employees getting the same message each time, or are they confused as to what your brand represents? A proper audit will put your doubts to rest and help you get the right picture.

3. Train

Train your employees on what your brand represents; let them get thoroughly familiar with your processes, logo, colors, byline, vision, motto, value proposition, brand positioning and so on. Test each employee’s knowledge by asking him or her to train a newbie. Make the training fun and creative.

4. Reinforce

Training them just once will not do; you will have to reinforce your brand messaging by issuing key brand elements printed on wallet cards, stickers and t-shirts. Keep putting your brand in front of your staff; emphasize how you do things, vis-à-vis how your competition does it.

5. Assess

Periodically, assess how well your employees have imbibed your brand promise. Retrain them and reinforce elements that have not been fully assimilated. No need to turn it into a military exercise; make it fun through contests and quizzes.

6. Role-play

Help your staff put themselves into your customer’s shoes. Help them understand the overall customer experience and how each employee can use their brand knowledge to enhance it. Let each employee understand how their job role impacts customer experience.

7. Recognize

Conduct brand contests and quizzes periodically and award winning employees. Publish the profiles of employees who consistently deliver your brand promise to customers on your intranet. Make sure your customers aware of your pride in your loyal brand ambassadors as well.

8. Feedback

Ask your employees for their input and feedback on how best to deliver your brand promise. Let them brainstorm and come up with innovative ideas. Be sure to incorporate these ideas. Let the employees feel a sense of ownership towards your brand; this will make them more inclined to promote it.

9. Empower

Empower your employees to let people know what your company is going to do next. Knowing your business plans and being free to talk about them will be a source of great pride for them. They will feel encouraged to be your brand’s ready ambassadors when you empower them this way.

10. Engage

Let your employees engage with your audience via social media and disseminate brand information. Trust them to deliver the right information. Your employees can become your most ardent brand ambassadors and brand promoters if you train, encourage and empower them properly.

Corrupt PNG politicians steal Australian Aid money

August 28, 2013 by Reporter Leave a Comment

Australians people are generous in nature when it comes to charity and donating for charity and to poor countries , including the Australian government that helps and supports developing countries.

A recent scandal has shocked many Australians, who believe the government is supporting our neighbours PNG when infact large sums of aid money is being swallowed by corrupt PNG officials , businessmen and corrupt politicians

Dirty money and corrupt PNG officials

Media agencies and TV channels have put a spin on the scandal highlighting banks who have the said money transferred too in Australia as being involved , when in fact it is the corrupt politicians who have let down the poor people of papa new guinea who actually deserve this AID

Australian foreign aid is being lost to corruption, with an estimated $1.7 billion being stolen from Papua New Guinea’s (PNG) budget annually.

The stolen aid money is said to come back in Australia via the banks and also the corrupt people investing in property and assets in australia.

As per yahoo.com.au

Professor Sharman along with Sam Koim, head of PNG’s Anti-Corruption Task Force, are on a mission to lift the lid on billions of dollars of dirty money leaving PNG to be laundered in Australia.

"Corrupt politicians, and senior officials are buying houses and gambling. Obviously they need bank accounts to do so, and setting their families up here (in Australia) as well," Professor Sharman said.

Mr Koim and his task force informed Australia’s money laundering agency Astrac, the Australian Federal Police (AFP) and the Attorney General’s department in August last year that Paul Paraka – a lawyer who allegedly sent $2.5 million dollars to his family – was a person of interest in their investigation into corruption.

More on this article and dirty money scandal can be found here

Business security | 5 tips for Small business password security

August 27, 2013 by Reporter Leave a Comment

Losing passwords or getting passwords hacked can be easy for hackers and bad for business , However lost passwords can be time consuming to businesses if employees forget passwords and it needs to be reset

Password security tips for small business

Here are some tips on how to avoid loss of passwords and work time in your business

1. Use difficult passwords

Know what makes for a weak or bad password.

Because hacking attacks re becoming increasingly more common, you don’t want to use anything in your password that’s personal and easy to guess or remember. Keep in mind the following don’ts:

Don’t use only letters or only numbers.

Don’t use names of spouses, children, girlfriends/boyfriends or pets ( and if you do mix it up with numbers or something else).
Don’t use phone numbers, Social Security numbers or birthdates.
Don’t use any word that can be found in the dictionary — even foreign words.

Try and mix up passwords with letters and uppercases and lower cases of possible if case sensitive

^{[Reset password at http://windowsrecoverpassword.com/ for any forgotten or lost laptop or windows computer password.]}

2. Changing passwords at workplaces

To help remember the password at workplaces, use it immediately. Then log in and out several times the first day when you change it .Preferably don’t change your passwords on a Friday or right before leaving for vacation as you can forget it easily, Monday is a good day to change passwords as you will be using it all week , less change of forgetting it later. You could write it out several times on a piece of paper. This helps record it in your mind. Just be sure to shred the paper when done ( but remember to destroy that paper).

3. Use passwords with letters and numbers

Many online password generators are now available online , but also mix it up with some thing that you remember.

The best passwords are at least eight characters in length and use a combination of numbers, keyboard characters and upper- and lower-case letters. The longer your password is, the longer it will take someone or some software to crack it.

4. Change password periodically or on a regular basis

Your network administrator software or company can force your employees to change their password every so often. Microsoft recommends having users change their passwords every 30 to 90 days for added security, but encourages you to go with the smaller number. Some software does not allow you to use the same passwords consecutively

I think 30 days is a reasonable number here. You always want to side with caution when it comes to sensitive information.

5. Don’t reuse same passwords for other website

When your employees create weak passwords for their employee accounts and reuse these passwords across other multiple sites, new risks arise for your business.

An employee’s password compromised from another company’s data or website breach can open up vulnerability on your site and your company.

One option available for higher security is also for Businesses which can look into adopting two-factor authentication whenever possible.

When Courier Parcel is appropriate for business

August 4, 2013 by Reporter Leave a Comment

Use a Courier Service to Show You Care About Their Business

Customer loyalty is tough to achieve and in a world of commerce where finding a competitive edge is so vital to successfully growing your business, a reliable courier could be what you are looking for.

Meeting deadlines

To deliver on your promises you need to deliver your goods on time and meet any pre-arranged deadlines. We all know that when we have ordered an item that we need as quickly as possible; there is nothing worse than it not turning up on time.

This has the effect of not only providing immediate disappointment in the company that you have chosen to deliver on time but also presents a potential logistical nightmare caused by the delay.

On the other hand, if the company you placed an urgent order with promises to get the item delivered by noon the following day and it turns up in plenty of time, you are going to be impressed with their service and commitment to customer satisfaction.

Delivering on your promises

Using a courier to deliver items on your behalf presents an opportunity to gain a competitive edge over rival companies who may offer a similar product but cannot provide the same efficient level of delivery service.

Being able to deliver on your promises will mean that your company can grow organically with existing customers happy to rely on you to deliver on time and also allow you to seek new customers with the confidence that you can meet their expectations.

Less mailroom headaches

Another aspect of running a business that many consider as a menial task is managing the flow of mail and far too often, other seemingly more important aspects of the daily business routine such as driving sales and communicating with customers, take priority over the efficiency of the mailroom.

Not many people in the company will willingly volunteer to queue up at the local post centre and arrange to send all the parcels and post that have accumulated throughout the day.

Save time and money

Quite often you could save your business time and money by using a courier service to deliver your parcels and time critical mail. The average amount of staff hours spent managing mail for a small business is about 1.5 hours a day, so when you compare the cost of those wages against the cost of a simple pick-up service from a courier that could be as little as $5.50 per day, you can see that savings can be made on cost and also staff efficiency.

Broadening your horizons

Another positive aspect of developing a relationship with a good reliable courier company is not only can you grow your business with a greater degree of confidence that you can deliver on your promises but you can also look to widen your geographical sales area by using the delivery network that a good courier will be able to offer, meaning you can attract new customers and still offer the same speed of delivery service.

The purpose of a good courier is to provide you with a good service which in turn enables you to do the same. It also has the potential to become an integral part of your business, keeping delivery costs under control and perhaps most importantly, allowing you to show your customers that you care about them by delivering on time.

Richard Mills is a business logistics consultant. He enjoys sharing his ideas through blogging. Find out more about couriers and services near you.

TECHNOLOGY FOR BUSINESS

July 27, 2013 by Reporter Leave a Comment

Did you ever wonder, that why doesn’t somebody create a gadget that just mirrors everything that you can get on your desktop on to your tv , well Google has just come out with a gadget chrome cast that does that.

Now you can enjoy your favourite online shows and music from YouTube, Netflix, Google Play and Chrome on your High Definition TV

Chrome cast App is an new gadget by google that allows web content to be played on your HDTV hassle free. All it needs is the chrome browser on your pc which is available for free if you don’t already have it

The program makes use of a “Chromecast device” and your Wi-Ficonnection to send web media content from your computer to your TV.

The Chromecast App makes for one of the easiest ways to enjoy the online media experience on your TV, playing shows and audio streams from online services and it also has the ability to broadcast a tab on to your tv. The Google chrome browser uses tabs to open different windows in your browser.

The requirement for this to function is

· Chromecast device (The chrome cast gadget)
· Wi-Fi Network
· Internet Connection

-Chrome browser ( with the chrome cast app available free)

Now this isn’t just “technology for business”, but technology that can be used for homes as well as business and offices. getting this gadget you can get rid of you projectors and just get any content on your laptop or pc onto that TV screen. Article by digitalfrog for Cool Gadgets Online

Making your retirement money work harder

July 7, 2013 by Reporter Leave a Comment

Falling interest rates have hit retirees hard, and according to forecasters even more cuts may be in the pipeline. Particularly for self-funded retirees, it is now more important than ever to make retirement funds work harder.

Making smart choices about personal savings and savings products is vital, according to Greg McAweeney, Executive General Manager of RaboDirect Australia and New Zealand.

“Take the first step by moving excess money from your transaction account into a high interest savings account,” McAweeney says. “Aussies are losing out on billions of lost interest by leaving their money in low interest accounts. Take control of your money by doing the simple things.”

Generating higher returns

Chasing higher returns can be a dangerous game, particularly when you don’t have another 20 to 30 years of working life to cover any losses.

Instead, set an investment strategy with diversified investments while ensuring optimum tax and social security outcomes. A typical portfolio might comprise 50 per cent Australian shares, with the remainder made up of overseas managed funds, property and fixed interest.

Shares

“Blue chips” such as bank stocks have been popular with investors recently due to their high yields and fully franked dividends. According to a recent study by the Australian Securities Exchange, shares outperformed other investments including residential property, fixed interest and cash over the 20 years to December 2011.

Bonds

Gavin Madson, Director of Infrastructure and Fixed Income Research at FIIG Securities, says the latest cut to official interest rates made most short-term rates unattractive.

“Investors should be out of short-term fixed investments, be they bonds or term deposits, which will reflect the drop in rates fully, and instead invest in bonds around the five-year maturity mark, which are offering stronger returns on the higher base rate,” Madson says.

As well as inflation-linked bonds, he suggested indexed annuity bonds that offer an annuity-style payment stream from infrastructure projects at attractive rates.

Property

It is possible to extract wealth from your home using a reverse mortgage. Generally, the older you are the more you can borrow, with a 70-year-old likely able to borrow around 25 to 30 per cent of the property’s value.

The 2013 Federal Budget also introduced an incentive for retirees to downsize. Under the scheme, retirees can invest up to 80 per cent of the profit to a maximum $200,000 in a special account for 10 years and still receive the pension.

Government incentives

Even if ineligible for the pension, the government offers a range of benefits for retirees covering travel and medicine costs. There are also incentives for working past the pension age, including the mature age tax offset and transition to retirement.

Make sure you don’t run out of money in retirement by maintaining a mixture of income and growth assets. By maximising returns, it can be possible to enjoy the lifestyle you deserve.

This article is presented to you by Australian Business Times in conjunction with RaboDirect. For more information about investing in term deposits or utilising self managed super funds, visit RaboDirect.

Business

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The Future Of Betting

How to Budget & Develop a Plan for Your Conference