10 Surefire Ways to Lower Your Electricity Bill

Most consumers are very selective when it comes to choosing their phone service provider, deciding which gas station to go to save the most amount of money, or picking a car insurance company that has the cheapest rates. However, when it comes to saving on the costs of electric bills, very few residents know exactly what they are paying for or how to lower your costs.

This article will lay out 10 different strategies you can do to help drastically lower your electricity bill so that you can save and spend money on the things in life that are really important to you.

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5 Reasons Gold and Silver is Better Investment than Stocks


Precious metals such as gold and silver have been widely respected throughout the world for their value as well as beauty. In fact since time immemorial gold and silver have been the ultimate criterion of wealth with gold coins being traded as a form of currency for almost 3,000 years. To this day gold and silver are considered excellent investments both in Australia as well as the rest of the world.

1. Precious metal vs. paper
Investments that have been made in a volatile share market (and that includes mutual funds, money-market funds, and the shares of different companies even blue chip stock) are often thought of as reasonably ‘safe’ investments. However, nothing could be further from the truth, since the inherent risk in the stock market is part and parcel of its business.

Let us take the example of the Trump electoral victory on the ASX. (Australian Stock Exchange) When the results were announced the market went though the floor, only to rebound within hours. Such massive fluctuations can make and break people. While it is true that precious metals market may be bearish or bullish but the overall trend is that it is more stable than its stock market counterpart.

In fact, if we were to look at it in the historical context, from the great stock market crash of 1929 that ushered in the great depression all over the world including Australia to the impact of ‘Brexit’ (The British exit from the European Union) on the ASX, the volatility of the stock market is a regular feature of life.

2. Hedge against inflation
Investing in gold and silver provides a certain level of protection from inflation. The market may tend to go up and down, but unlike inflation ( currently measured at between two and three percent in Australia)  in the long run, precious metals tend to remain stable and do not lead to a steady erosion in the value of your paper money.

3. Gold and silver retain their value
Unlike liquid cash, coins or other assets such as property, gold and silver have consistently maintained their value throughout the ages. In fact, for many people in Australia, they are seen as the best way to preserve and protect their wealth and pass it on to their coming generation. Investments in the stock market, on the other hand are not seen as long term generational investments since even the most financially sound companies are known to go bust once panic selling sets in and thus turn their shares into worthless paper.

4. Help stave off the effects of deflation
Even though Australia is not going though a deflationary cycle (period of time when prices drop drastically) but such phases in a national economy are seldom predicted with any accuracy.  In such a scenario, gold and silver tend to retain their original value.

5. Silver – The Common Man’s Gold
The acquisition of silver is much more attainable for the Australian population as compared to the far more expensive metals such as gold and platinum. In fact Silver is often touted as the “common man’s gold”.

Today, thanks to its widespread use in the solar energy industry as well as other decorative and industrial uses, the price of this metal is predicted to rise steadily unlike the stocks that are traded in the stock market, and that is why it is considered an excellent investment option as compared to many others.

Answering 5 Key Questions on Vehicle Finance

Vehicle financing has become very popular in recent times. It enables someone who doesn’t have sufficient amount of cash to still drive a vehicle of his own. The vehicle finance term has an average monthly search volume of 590 searches on Google, while consumer insight portal Answer The Public has found that web users commonly ask over 40 questions in relation to this topic.

While it is easy to obtain financing it is equally challenging to understand all the nuances related to it. You need to worry about multiple financing options, interest rate, documents required and so on. An average Joe will have a difficult time putting it all together. To help you better understand this subject; join vehicle hire specialists Northgate as they have worked to answer five key questions surrounding vehicle finance:

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5 Payroll Outsourcing Trends to Look for In 2017


Over the years, several significant advances have been made in the payroll processes. Today, companies no longer need to invest and train payroll officers or hire accountants. All they have to do is sit back and let their administrative and payroll processes run smoothly and efficiently thanks to outsourcing administrative businesses and payroll professionals.

Its numerous benefits have been discussed in detail in this report issued by the Australian Payroll Association. Moreover, an annual growth of 4.5% in outsourcing to companies and payroll professionals has been recorded in Australia in 2011-2014 as reported by IBIS World, which in itself is a testament to the increasing demand of outsourcing companies and payroll professionals.

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Feeling Taxed? What Expenses You Can Claim As a Business Owner


Being an entrepreneur or a business owner requires knowing everything about your company, inside and out. So when the topic of taxes crops up, can you honestly say that you know everything about how to save on them? The whole tax return process can be a very daunting one to say the least, but small businesses need to keep a close eye on what they can deduct and what benefits are available to them so they can reduce what they are liable for. We are all looking for ways to save money, and when you are starting a small business, saving money is the name of the game! So use some of these methods to help make your business as cost-effective and tax-deductible as you can.

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3 Must Have Items to Get Funding for a Small Business


Funding a small business is usually the one area most new business owners struggle with. It can be difficult to find investors or secure loans when a business has not even opened its doors. It’s the classic catch-22, though, most lenders or investors want to see the business is successful before giving money but you need the money in order to start your business. Fortunately, you can prove your business is a worthy investment just by having these three things in order.

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Post-Election Fall-Out – How Financial Markets Have Reacted

trump-vs-clinton
Politics and finance come together every four years when America elects a new President. History has shown the correlation between these two worlds as the presidential cycles affect stock market returns.

The stock market, as defined by the Dow Jones Industrial Average (DJIA) has generally performed better when the incumbent party won each given election, regardless of the political party. If in the three months leading up to the election the stock market is up, it is likely that the incumbent party will win. Losses in those three months mean that the opposing party is likely to come into victory.

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Everything You Need to Know about Unemployment Tax for Small Businesses

unemployment
Unemployment tax can be one of the most daunting taxes for many small businesses. Information is scant and it can seem you are at the mercy of the Unemployment Insurance Office in your state to know your rates and when you need to pay, not to mention understanding different regulations and laws. It’s many hoops to jump through but this article will help some light on this mysterious topic.

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How Can Small Business Owners Deal with Poor Credit

poor-credit
A poor credit score can have a huge impact on your personal finances. In some cases it can restrict you from getting certain types of credit or even stop you from getting credit altogether. For individuals, dealing with a bad credit score can be tricky enough, but if you’re hoping to start a business, having a poor personal credit score can create further obstacles. This isn’t to say that those with a bad credit score should forget the idea of starting their own business. In fact, if you know where to look and who to turn to, there are plenty of financing options designed to help those with a poor credit rating overcome this and successfully launch their business.

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What Do You Need to Know Before Financing a Vehicle Purchase?

auto-finance
Many small business owners cannot or do not want to purchase the vehicle by paying the entire amount upfront. Purchasing a vehicle through financing is a safe and prudent approach you should take to avoid getting a big hit on the cash flow. This option is getting more and more popular as can be seen by number of queries being out in search engines and number of applications being processed by financing companies. Before you rush to purchase your next vehicle through finance, however, it helps to understand the basics to avoid being in trouble afterwards. Below you can find some of the fundamental questions everyone has regarding vehicle finance.

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