The Right Super Option For Your Age

Photo Credit: iano50 via Compfight cc

Photo Credit: iano50 via Compfight cc

Many Australians regularly invest money in their superannuation fund, and the general belief is that the fund will increase in value and will provide them with the funds needed for a happy, well-funded retirement. However, stories about investors whose super accounts have lost value over time are prevalent, and many of these stories feature people who have had to delay their retirement plans by several year after their super account lost a considerable amount of value. This is something you want to avoid, and you can take steps to minimize the risk that this will happen to you.

The Risk of Superannuation Accounts

It is important to understand that most superannuation accounts default to investing in a range of investments. This range of investments may include both low-risk and lower growth investments as well as high-risk and higher growth investments. Typically, investment options that boast an increased opportunity to rise in value are also riskier to invest in. Safer investments may offer lower returns, but they also have lower associated risks. It is an unfortunate but true fact that many Australians do not understand the level of risk or potential for returns that is associated with the investments they have chosen or that have been pre-selected for them.

Taking Control of Your Super Account

The default investments that are associated with most superannuation funds are designed to moderate risk as well as growth. However, this balanced investment approach is not well-suited for all investors. Those who have chosen to wisely begin investing in a superannuation fund in their younger adult years may have considerable tolerance for risk, so they should consider investing in high risk, high yield investments. As you get older and approach your retirement age, however, your tolerance for a decrease in account value will decrease. You may gradually adjust your investments to be balanced with risk and growth in your middle age years. As you approach retirement, you may consider adjusting your investment to low risk investments.

In order to make wise adjustments to your superannuation fund, it is important to first educate yourself about how your funds are currently invested and to define your tolerance for risk and demand for growth of value. You can make changes to your portfolio as needed now, but you should also consider to review and compare Superannuation Funds periodically and make adjustments as needed as you gradually approach retirement age. If you need additional guidance, you can talk to a financial advisor or investment expert for assistance.

About the Author

Complete Removals is a SA family owned and operated business started by Corey Smith in 1998, he strives to change people’s perception that the true Aussie hard working spirit that built this country is still alive and well in today’s society, and he attracts employees with the same attributes.

 

Setting Up Your Home Office

home office

home office (Photo credit: Sean MacEntee)

Millions of people work from home at least one day per year, but many others are leaving the grind of their daily commute to an office behind altogether. While some larger and smaller employers now offer full-time work-from-home opportunities, others have decided to work on their own as an independent contractor or to run their own business out of their house.

Once you have made this decision yourself, you may have started moving furniture around in your home to create the ideal home work space. However, there is more to setting up a home office than simply setting up a desk. As an independent contractor, you want to establish a home office that promotes the greatest level of success for your endeavours.

Creating a Website

It doesn’t take much to announce to friends and family that you are now an independent contractor or entrepreneur with your own business. However, making that announcement to the rest of the world and driving potential customers to you is another story. One of the best steps you can take to get your business up and running is to create a website for your new business.

Many consumers today do considerable Internet research before making a buying decision. Your website should be designed to present a professional image, to clearly relate what you are selling or offering to your customers and how these products or services may be beneficial. Further, it should invite potential customers to contact you for more information or a quote.

Using Printing Services

One of the key aspects of getting a new business up and running that is often overlooked is the importance of presenting a professional image to potential customers. Consumers want to do business with companies they can place their trust in, and you can help to foster that trust by creating a professional image.

Business cards, flyers, promotional material and more can be ordered create a professional image that attracts customers and helps to convince them to buy what you are selling. While you can save money by designing your cards and other marketing material on your own, keep in mind that your goal is to project a professional image. You want to avoid making your material look home-made.

If you are looking for quality in Printing Melbourne, Kwik Kopy has a number of Centres in Melbourne that provide quality graphic design, printing and online marketing solutions.

Part of setting up your home office involves laying the groundwork for success. Take time to consider how these different steps can benefit your professional efforts, and use these tips to get your business off the ground in a profitable way.

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Snag Some Cute Character Baby Shoes Online For Your Little Angel’s Feet

With so many varieties of baby shoes’ design to choose from, you may have a hard time selecting the right pair for your little angel. That is why it is important that before you buy anything that will require you to pick out what you like among so many choices; you should at least ready an idea in mind on the kind that you prefer.

And if at this point of time you still could not decide on what baby shoe design are you going to choose for your baby, you may want to consider snagging some cute character kids shoes.

This is because character baby shoes feature a lot of well-known cartoon characters that young kids these days like a lot. And lastly, there are gender-based character baby shoes should you prefer something like that and they also have a unisex design if you do not like your baby’s tiny shoes to be too girly or too boyish.

10 Reasons To Look For Chef Jobs

10 Reasons To Look For Chef Jobs

By Robert Berry-Smith

If you’re looking for chef jobs, or are thinking about a career in the catering industry, then perhaps you already know why you want to cook for a living. If you’re not sure, then here’s what you need to think about.

1. As you enjoy cooking, perhaps you want to take it more seriously, and are thinking about a career in hospitality. Why not apply for chef jobs and see if you can get a job in a professional kitchen?

2. If you enjoy creating fantastic food, then why not let others sample it too? Whether you’re a fan of traditional food, or are always looking for new and innovative ideas to cook, you’ll definitely want a job as a chef.

3. Maybe you’ve worked in a kitchen previously or have been complimented on your cooking by friends and family. Why not see how professional training in a restaurant kitchen will help you improve you cooking skills.

4. If you’re always dreamed of running your own restaurant, then you’ll have to start off somewhere, and so you’ll be looking at kitchen jobs or chef jobs, so that you can get the necessary skills and experience.

5. Catering is a rapidly growing industry, and there are always new restaurants, cafés and hotels opening up, all who require chefs. If you’ve got the skills and desire, why not browse the latest chef jobs and see which ones to apply for?

6. There’s always work for chefs, and so no matter what your experience, or skills, or area of expertise, you should be able to find a job. In the current economic climate, could chef jobs be recession proof?

7. If you’re a night owl, or enjoy shifts, then perhaps you don’t want a 9-5 job. Being a chef involves working lots of hours, mainly evenings and weekends, so you’ll never feel like you’re part of the rat race.

8. Creating menus can be an extremely satisfying part of your job as a chef. If you love working with fresh local produce, or seasonal vegetables, then why not see which chef jobs allow you to have a hand in the menu?

9. Many people won’t enjoy working in the high pressure environment of a professional kitchen. There’s always plenty to do, and no time to do it in. If you love a challenge, and work well to tight deadlines, then you might want to become a chef.

10. Meeting people is another benefit of becoming a chef. Although you might not get to meet all of your customers, you’ll enjoy working with your colleagues, whether it’s fellow kitchen staff, waiting staff or front of house staff.

Now you know more about what to expect and why the catering industry might be for you, why not look for chef jobs near you and put your skills and experience to the test?

Browse the latest Chef Jobs and Bar Jobs available at Revolution, and apply online, at Revolution-Bars.co.uk today.

Article Source: http://EzineArticles.com/5973875

Amazing Beer Infographic

We all know how much quality beer is valued but have a look at the infographic below to get a sense of how much beer is consumed in the USA.

Found on WallStats

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The History of Beer

We’re always on the lookout for interesting an tidbits of information to provide our customers and today we came across an interesting Infographic suitably titled “The History of Beer”.  Just so you know the proud history of the ale you are consuming.

Originally found on Manolith.
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