Neel Cartoons Business Experts

Over the last several decades, losses due to natural disasters have escalated not only here in Australia, but worldwide.

According to environmentalists and scientists, these disasters are due to continued building in high-risk areas and due to climate changes that are altering extreme events around the globe. As climate change continues to influence extreme events, more and more countries experience severe natural calamities such as super typhoons and tsunamis.

As the world becoming more at risk to natural calamities, the role of insurance is becoming an increasingly important topic in adapting to these changes. Insurance is thought to play a critical role in improving resilience to these events by both promoting recovery and providing incentives for investments in hazard mitigation.

In theory, having your home, cars and other properties insured is a smart move. Insurance has a critical role to play in promoting disaster resilience. It can give you financial protection to your property. It can also help in preventing negative economic hardship after a disaster. It can speed rebuilding and recovery by providing post-disaster funding and liquidity soon after the event.

Moreover, insurance could also help promote risk reduction before a disaster. That is through financial incentives or after an event through extra funding for hazard mitigation incorporated into rebuilding efforts.

Nothing is worse than an unforeseen natural disaster that unfortunately removes earnings capacity or assets from you or your business. Whether you are a homeowner or a business operator, property insurance is the one area you should not ignore.

Property insurance is a type of insurance that gives coverage for structures, buildings as well as its contents. The coverage of property insurance is malleable and is oftentimes depended on the consumers’ needs. This type of insurance is more valuable especially those who are living in areas that are prone to storms, flood, fire, or tsunami.

Continue reading at: https://www.moneysmart.gov.au/insurance/home-insurance/storms-floods-and-fire

Working from home seems like a cool job, right? You won’t experience getting stuck in torrential rain waiting for a delayed bus or train after a long day at the office. You also do not have to wash and prepare your working clothes or have to deal with your annoying workmates or stressful boss.

Working remotely truly offers people a world of advantages, which explains why so many would like to work at their homes. However, working remotely is not all about rainbows and unicorns. But doing your job outside of a traditional office setting takes some getting used to, and if you go in unprepared, you could end up struggling or even hurting your career in the process. With that in mind, you need to have certain skills to become an effective remote worker.

The number one skill you need to have if you want to become an effective remote worker is strong communication skills. While communication skills are essential for flourishing in the workplace, it is even more important for remote freelancers. When working remotely, the majority of the tasks involve online correspondence, so written communication skills are a must.

Moreover, every remote worker should possess is independence and being able to motivate himself. It is important that you do not rely so much on external sources of motivation. And although it is important for remote freelancers to fit into the company and collaborate on various projects, working remotely means that you will spend a great deal of time on their own.

Remote workers should also be good at prioritising and organising things. When working remotely, you are required to deliver quality work in a timely manner. Being organised, managing time wisely, and multi-tasking efficiently is all skills that companies look for when hiring new remote freelancers. Hence, you should develop such skills in order to become good at what you do.

Continue reading at https://www.businessinsider.com.au/traits-remote-worker-work-from-home-2019-9

If you want to secure your financial future, one of the first and most important steps you should take is to properly take control of your finances. And in order to achieve this, you might need professional financial advice.

Many Australians nowadays go through their life without ever seeking financial advice from a professional financial advisor, taking advice instead from friends, colleagues and online resources. While this may serve your needs to a certain extent you could be losing out.

The financial market is composed of a huge range of products available whatever kind of service you are looking for making it a complex place. When trying to find the option that will best suit your future financial needs, the vast array of products in each of these areas can be bewildering. From mortgages and investments to savings and pensions; and this is where taking professional financial advice could help you.

The primary advantage of having a financial plan is being able to battle against the future’s uncertainties. Nobody knows what will happen tomorrow. No matter how hard we try, you cannot really predict what is in store for you in the times to come. However, what you can do is to prepare yourself for it with the best of your abilities.

Financial planning can help you achieve your financial objectives. Without managing your finances, you can’t achieve your goals or perhaps end up in a deep financial hole. In order to reap the long-term benefits of your finances, you need to plan.

By being able to monitor your spending pattern, you can figure out how to increase your cash flow. The cash flow is increased by undertaking measures such as tax planning, prudent spending, and careful budgeting.

There are many other reasons why you should consider planning for your finances. For more on this topic, check this out: https://www.perthnow.com.au/lifestyle/personal-finance/financial-planning-is-a-question-of-value-in-royal-commission-wash-up-ng-3af488fe743c7b1b7ddf96ce8e4c06cd

Starting a business is not easy. You’re be dealing with challenging tasks such as keeping your employees and customers happy, promoting your products and services, keeping your old customers and finding new ones, and keeping the cash flow coming in – these are the things you need to do every day in order for your business to survive.

Launching your business is a big challenge, but surviving making your business last is even more difficult. The percentage of businesses that fail within a short time is ridiculously high. Many don’t even make it through their first year, and if a business makes it to five years, that’s really something. It’s got a good chance of continuing indefinitely at that point. And a five-year business venture really isn’t that long, considering how time flies.

The number one secret to surviving your business is being flexible. So while focusing on survival as your ultimate goal, be open-minded to develop a flexible strategy and use tactics that come to hand. To avoid being shot out of the water by market forces, try things out of the ordinary. Adaptability to any environment will save you when things are looking bleak.

Entrepreneurs who don’t know how to adapt won’t succeed. Their business will not survive because they will be outplayed in the marketplace by those who are more determined or who adjust to the modern business environment better than you do.

In today’s business battlefield, using old methods and not innovating is a red flag. Flexibility means a lot nowadays. You need to find what your customers want and discover creative ways to give it to them. Rigidity will kill you in the end. You have to give them what they want, not what you want – and you have constantly keep yourself visible to them.

For more on helping your business survive, check this out: https://www.flyingsolo.com.au/startup/trent-innes-do-this-one-thing-to-ensure-your-business-survives

As Australian businesses look for ways to save money, optimising productivity among employees is becoming increasingly important. In addition to obvious factors like efficient management and employee incentives, the design of office space is a significant factor in increasing workplace productivity.

When designing interior spaces such as office, professionals such as interior designers and architects take a lot of factors into considerations. These experts understand that the physical work environment has a direct psychological effect on people. The place they work in has an effect on their behaviour, emotions and thoughts. That is why it is important to build an office that is not only beautiful, but functional and comfortable as well – this will not only make your office a beautiful place, but an area to work comfortably as well.

If you want to achieve a well-designed office space, you need to plan. It is the most crucial task of any office design or project so you should not hesitate to set aside enough time on planning; as the more insight available, the less time will be wasted during more time & cost critical stages.

You should also spend some time doing research about all solutions available in terms of office furniture and fixtures. Nowadays there are a lot of different innovations in regards to office workstation and furniture designs that actually add tremendous value.

Aside from focusing on aesthetics and functionality, you should also focus on safety. Make sure you feature a well-defined summary about your unique office relevant safety specifications. It will help to generate a safety checklist.

Always remember that the physical surroundings can shape employee behaviours, feelings and attitudes towards their employer and experiences at work. To maximise their performance, organisations must think about the workplace as an ecosystem of spaces that allow people to have choice and control over where and how they work

Here are 10 office design tips you can use: https://www.watoday.com.au/business/small-business/10-office-design-tips-for-happier-employees-20190620-p51zq6.html

Are you planning to sell your home soon? If you’re planning to sell your home, you should highly consider increasing the home’s value in order to sell it at a higher price. The good side is that you don’t have to spend a lot of money for you to improve the resale value. Sometimes, you just need to put some time and effort to achieve this goal.

One of the most convenient ways to increase the resale value of your property is by cleaning and de-cluttering your place. Of course, a clean tidy house will look appealing to a buyer compared properties that are full of junk and mess; as a result, you’ll able to sell it at a higher price.

Another simple yet helpful trick that helps increase the value of your home is by painting. Repainting your home can brighten the place up. It also makes your home appear well cared for. For ideal results, you should ensure that you first patch up any holes before you apply the paint. To give your home a silky smooth finish, it’s recommended that you apply a primer coat.

If you decide to sell your home, landscaping or gardening is also another great way to increase the value of your home. Most homebuyers love spending time on a yard or garden for relaxation purposes so it would be a great addition to your home’s appeal if you landscape a good-looking garden in your property.

In most cases, an updated bathroom can also increase home value. It’s no shock that buyers are willing to pay more for high-end finishes and thoughtful upgrades. A nice looking and functional bathroom can catch the interest of prospective buyers.

There are many other ways you can do to increase the value of your property. Read this article to learn more: https://www.perthnow.com.au/lifestyle/personal-finance/homeowners-spend-up-to-make-properties-shine-before-they-sell-ng

Bad credit can be detrimental to your financial well being. You might have constant phone calls to your home from bill collectors and getting out of your debt may seem impossible. You might earn less cash than you can financially afford to pay toward your monthly bills. In other words, your monthly bills and other expenses are greater than your monthly income. It is possible to get on the path toward credit repair even though it might seem impossible.

There are many reasons why people end up in bad credit. You could have auto bills, credit bills, medical bills, and many more bills that are overwhelmingly high. No matter what the reason is, your credit score becomes lower. In this case, you become nearer to impossible to get a loan for anything. You won’t be able to get credit cards, buy a home, a car, or get credit for anything you might need.

In order to position themselves in better financial situation, many Western Australians decide to use a credit repair company. These companies help their clients improve their credit situation. First, they will meet their client and take a look at the client’s credit score and report. They will see what’s affecting the client’s credit, as well as any debts the client may have.

Finding the right credit restoration company can be difficult and intimidating especially with thousands of such type of companies conducting business across Australia. However, it is imperative that you take the time required to not only find a reputable one but also find one that has the knowledge, experience and ability to provide the level of service you expect and the optimal results you deserve.

On the other hand, there are downsides to using a credit restoration service that is why the Australian Government suggests not using one. Instead, they encourage everyone to repair their credits on their own.

Here’s a helpful resource provided by the ASIC to help you repair your credit: https://www.moneysmart.gov.au/borrowing-and-credit/borrowing-basics/credit-repair

The export industry is not new. It has been around since the earliest forms of business trade. In fact, wars have been fought, new lands have been discovered, and international business relationships have been established – all of these occurred through the business of export.

Nowadays, many entrepreneurs have discovered the many benefits of running an export business. It is just exciting, adventurous and financially rewarding as it was for early export business owners.

Many people envision export business as huge business. They imagine big corporations that have made their millions in international trade, however research has shown that the majority of export businesses in Perth, Western Australia are owned and operated by small businesses and sole proprietors.

To become a certified exporter, you need to choose which type you would like to run. Some of the most popular Export Businesses include: Export management companies, export trading, and export merchants.

Export Trading is the art of discovering what foreign and international markets want to purchase and finding the goods. Then, the company or Individual then arranges to export the goods to the buyer.

Meanwhile, an Export Merchant is a person or a group of people that obtains goods, and then resells them to foreign markets. This type of export business may deal in many different items, and not just one specific market. They are in business for themselves and don’t work on commission or percentages.

An Export Management Company is a company that takes care of a business’ exports needs. Suppose there is a company that would like to begin distributing their products in the foreign sector, but they don’t know how to tap into these markets, they can hire an Export Management Company to handle all of the transactions.

For more on exporting, read this blog post: https://www.smallbusiness.wa.gov.au/business-advice/exporting-and-importing/exporting

The internet and social media nowadays has become a haven for online scam artists and thieves. So if you are new to the internet, and you want to bring your business online, you need to know the ins and outs of how things work on the net.

Unfortunately, even those who have been online for a long time can be victimised. Scammers are continually coming up with new scams and ways to cheap people out of their money. But despite all those, the internet is still a great place for many things like entertainment and research. You just need to learn how to protect yourself, your family and your assets while visiting the web.

More and more Australians are becoming interested in making money online. Online jobs and businesses are a lucrative and exciting way to make money from the convenience of your home. On the other hand, there are deceit marketers who will do anything to swindle money out of you. You must always stay extra caution when making money on the internet.

Today, there are some fraudulent websites are professionally built in disguise but has goal to get your money easily. Internet scams comes in many forms, they offer worthless opportunities that will give you no chance of earning a single dollar online.

The first step to avoid getting scammed is by understanding the infrastructure of those online scams. If you think it fall in to the scam category, do not join any business venture. Study the company website carefully and make a wise decision before you invest for any online business.

Online scams are so sophisticated and appear so real or authentic that they are conning thousands of Australians out of millions of dollars. If you want to know how to defend yourself, family and assets against online scams, read this article: https://www.perthnow.com.au/lifestyle/personal-finance/online-scams-are-surging-so-heres-how-to-defend-yourself-ng-e71aacc4f4c7fe87876cf5e25e121619