Best Australian Online Shopping Sites Featured On New Portal

HelpMeSis.com.au is a brand new website that acts as a portal featuring the very best Australian online shopping sites and information websites. The comprehensive and well-researched website has been two years in the making and saves women valuable time and frustration by only showing the best and most relevant websites in each of the many categories.

After 2 years of meticulous research and web development, HelpMeSis.com.au was officially launched in Sydney on 1 January 2010. This comprehensive website acts as a useful portal for busy Australian women, showing them the very best Australian online shopping sites and information websites.

The extensive and informative guide to Australia’s best and most relevant websites was created to help time-poor women find quality products, information and services quickly and easily. Its launch was the culmination of two years of labour by former high school teacher Veronica Ryan.

“Over the past few years, I have visited and revisited many thousands of Australian websites and have hand picked hundreds of the very best to be included in the HelpMeSis website,” said Ms Ryan. “I have chosen these websites for their overall quality, integrity and security and their usefulness and relevance to Australian women,” she said.

The website listings and reviews have been organised into logical categories. Along with a logo, name, link to the site and description of products and services, Ms Ryan has also included practical details such as each company’s ABN and shipping information for shopping websites.

“To have all this information available on one website means women no longer need to visit dozens of individual websites first to find out exactly what they offer and whether they provide online shopping and Australia-wide shipping. They can compare all of this on the HelpMeSis website and only visit the most relevant website, saving them a great deal of time,” said Ms Ryan.

The manual selection process for included websites, together with the navigational simplicity of the portal, its sheer comprehensiveness, detailed information and overall relevance to Australian women, sets HelpMeSis apart from other online directories.

In addition to Australian shopping websites, the HelpMeSis portal also includes a number of themed information sections. A ‘Green Guide’ offers a great deal of information about green products and services and links to quality businesses that sell natural Australian organic products. The ‘Useful Information’ section provides answers to many common queries Australian women have. A complete ‘Parenting’ and baby shopping section gives links to Australian stores specialising in quality parenting & baby products and to sites offering expert information and advice for parents.

Other noteworthy sections on the HelpMeSis website include a ‘Health and Fitness’ section and a ‘Leisure’ section, which offers links to websites providing What’s On information for all Australian capital cities and the Gold Coast. The site further features a blog spot and people can sign up to receive an informative monthly HelpMeSis newsletter.

Men needn’t feel left out either, as Ms Ryan has also launched a ‘brother’ site, aptly named HelpMeBro.com.au where men can shop online at the best Australian online shopping sites. This guys-only site has many of the features of the women’s site but has been styled for men and doesn’t include any of the ‘girly’ content.

To find out more, please visit the HelpMeSis and HelpMeBro websites.

Tags: Australia, helpmebro, helpmesis, shopping online

Don’t Write Off Shares Just Yet

Some people have a different perspective on sharemarket slumps. They see the low stock prices as an opportunity to buy a cheap shares.

During times of market change, it is our natural instinct to guard our wealth and distance ourselves from risk. While this reaction is unsurprising, it can also mean missing out on profit opportunities created during uncertain periods.

Warren Buffet, one of the world’s wealthiest professional investors, sees market slumps from another perspective, saying “Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it.”

Generally when we see a cheaper price for something we want we rush in for a good deal, however it can be quite the opposite with stocks. Why is it that we treat stocks that have dropped in price with dread? Share prices of a listed company can drop for a multitude of factors.

Lately we have seen the share values of a number of reputable companies with healthy balance sheets be negatively affected due to a rush to sell as a result of the economic crisis.

Despite the uncertain trading environment, fund managers are always checking the market for investment opportunities. Many superannuation managers are searching to find stocks in healthy companies with strong balance sheets and returns. For example Australian companies such as household names like David Jones have delivered strong profits after tax and dividends in 2008. However during 2008, David Jones’ share price fell by more than 30%.

Identifying opportunities
Not all businesses will be affected by the world economic crisis in the same way. Some sectors are more prone to the economic cycle than others.

Providers of basic goods and services continue on almost unabated, for example we all need to eat - so food producers aren’t as affected as much as manufacturing, motor vehicle sales or luxury goods.

Australia’s population growth is at a 18 year peak and growing at 1.7% per annum. Australia’s growing population provides increasing demand for goods and services as people need food, housing, cars, etc. Unlike many overseas countries, Australia benefits from two key factors: a high population growth rate and a high demand for houses.

Population growth is nearly double that of the US while Germany has negative population growth. In America there is an over-supply of housing while Australia suffers from a lack of supply. The combination of limited accommodation and a rising population will create growing demand for housing which will support further building and provide opportunities for the construction industry.

The value of companies
Many people view companies with falling share prices with fear, but we need to take a look under the bonnet of these firms to determine why. Have they borrowed heavily?

What industry are they in? Are they competitive against their peers? Only by answering these questions, can we know if their share price has fallen for valid reasons or if the company is indeed on sale.

When investing, many fund managers look for firms with high and maintainable dividends, strong balance sheets and substantial cash flow. These companies are more likely to outlive the volatility storm and may give you a greater return when the market moves into the next phase of recovery and
beyond.

Before you consider changing your strategy, you should seek financial advice. Having a financial planner and a long-term financial plan can give you confidence to manage the effects of market cycles. With the right advice you can ensure your investments are cut to your risk profile and time horizon, giving you the certainty of knowing you’re doing what’s right for you. This article brought to you by a Brisbane business coach who offers sales training courses and a web site designer brisbane. Distribution by seo packages. BS1004

Tags: Australia, global financial crisis, investing, shares, stock market

Modest Melbourne: Arts Capital of Australia

As so often in Australia’s history, Melbourne was founded through fraud when adventurer John Batman, an Australian who spoke in several aboriginal dialects, made a “deal” with aborigines to lease land on behalf of speculators.

While offering the Aborigines any compensation at all was progressive in a colonial culture that preferred to simply run them off the land, the fact that the native people had little understanding of rents, leases or indeed, the concept that land was something to be bought, sold and leased at all, made his arrangements no less exploitive. In return for a long term lease of 240,000 hectares of the finest grazing land in Australia, Batman gave the aborigines axes, salt, flour, blankets and jewelry. The total value of the goods is estimated to be around £200.

Colonial rulers later declared his leases invalid, claiming that the government, not the Aborigines, were the true owners of the land. After paying Batman compensation, they took over the territory and founded a settlement as the seat of Victorian regional government. The settlement became the city of Melbourne in 1837, named after Viscount Melbourne, the British prime minister at the time.

A sensible town plan
Melbourne’s location was its strongest suit. While the “acquired” farmland was of excellent quality, the city’s location on the banks of the Yarra River and well protected Port Phillip Bay contributed to its rapid commercial development. The influx of energetic immigrants and eager investors from England were factors in the economic growth of the young city.

Once the city had 5,000 residents, city planners intervened and imposed a strict grid plan to check chaotic growth in every direction. Melbourne’s planners decreed that every main street would be exactly 30 metres wide, with perpendicular side streets one third that width. The strict grid plan has been in place ever since.

Melbourne became the capital of the new Victoria Colony in 1851. As luck would have it, miners in the outback came upon a rich seam of gold just four days later. Melbourne prospered like no other city on the continent, even after the gold rush waned.

A second boom was sparked by industrial development and immigration after World War II. Melbourne’s population more than tripled, and the plains around the Yarra River gradually grew crowded as 3 million people from 140 nations arrived to claim their piece of the Australian dream.

City planners again stepped in, authorising the construction and development of suburbs and satellite towns. In the downtown commercial districts, Melbourne began building upward and large office buildings appeared on the horizon.

A rather unassuming city, Melbourne’s grand sights are few in comparison to stylish Sydney. Of course, there is still a great deal to see, including the Melbourne Museum, the State Parliament, the royal exhibition buildings, the Stock Market, majestic St. Patrick’s Cathedral and Flinders Street Station. Freshwater Place is a luxury residential complex, with a striking, elegant design that makes it Australia’s thinnest building as well as one of its tallest.

Melbourne is well known for book shops, live shows and the arts. Many northerners desperate for culture travel south to Melbourne for their arts fix. Melbourne hosts a world class writers festival and comedy festival.

Melbourne is also renowned for sports. The annual Melbourne Formula 1 Grand Prix held at the Albert Park Circuit is famous around the world, but there are many more sporting highlights to experience.

The professional tennis season starts here with the Australian Open, drawing the best players in the world to compete in the first of four major tournaments. Local sports attract an even greater following.

When the Magpies, Bombers and Kangaroos take the field, life is put on hold. Melbourne’s football players have always been their sports heroes, but cricket and rugby are also popular. The Grand Final of the Australian Football League (AFL) takes place each year at the Melbourne Cricket Ground. One of the eight Melbourne teams usually participates.
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Tags: Australia, holidays, melbourne, singapore, singapore airlines, travel

Dear Senator Stephen Conroy - Open Letter about Australian Internet Censorship

Senator Stephen Conroy
Minister for Broadband, Communications and the Digital Economy
Level 4, 4 Treasury Place
Melbourne Vic 3002

Tuesday, December 23, 2008

Dear Minister Conroy,

I have never written to a government minister before, but I have serious concerns about the Rudd Government’s mandatory Internet filtering plan. Given the importance your Government has attached to modernising Australia’s broadband network, pursuing a policy that can only slow down and increase the costs of home and business internet access seems misguided at best, and pandering to right-wing Christian minorities at worst.

Australian governments have never been very good at communications policy. Examples include: pay TV infrastructure, the privitisation of Telecom, digital television implementation, and the development of a national broadband network that doesn’t include the nation’s biggest carrier.

Now we have another ill-conceived and expensive communications policy debacle with the clean-feed mandate.

Australian households are diverse, and most do not have young children, so mandating a one-size-fits-all clean feed approach will not serve the public or business well. I don’t think it is the Government’s role to decide what’s appropriate for me or my children, and neither do most Australians.

Like China, Australia, will become a laughing stock and seen as a technically clumsy and naive cyber-nanny-state. Don’t be naïve Minister, seek counsel from people outside of Canberra who know what they are talking about. Ask yourself why no other western democratic country has a similar scheme.

Given the amount of Internet content available, the Government will never be able to classify it all and filters will always result in an unacceptable level of over-blocking. Did you know that for $3 per month it’s possible to use an overseas proxy server that completely bypasses all local ISP filtering? The introduction of a clean-fee will just educate people as to what’s available and encourage the use of such technology by many people, including terrorists and pedophiles. Ask the national security agencies what they think of such technology.

I feel that the time and money could be spent in better ways both to protect children and improve Australia’s digital infrastructure. Australian parents need better education about the risks their children face online. Trying to rid the Internet of adult content is futile, and can only distract from that mission. Stupid promises can be broken … break this one.

I can’t wait until the next election,

Name and address supplied

Tags: Australia, china internet censorship, clean feed, internet censorship, no clean feed, protest, stephen conroy

Good Reasons to Pay Your Suppliers on Time

Many small businesses spend far too much time on debt collection rather than their core business. Over the last 2-3 months I’ve noticed an increasing lag in payment cycles.

If you are in any sort of operation that uses small businesses as service providers or product suppliers it’s well worth your while to pay your bills on time and completely ignore to some “clever” accountants mantra of not paying until the second reminder. Guess what? People are human and they will pay back and pay forward. One way or the other you will pay in the end for screwing around your suppliers.

Here’s why:

1. If you pay on time you will get much better service. I know with my clients, the one’s who pay on time or early get the best service, day or night 365 days per year. These are A-Class clients. They pay on time or early, don’t bitch about the price, and as a result get excellent service and great value for money. They respect me, and I respect them. We both win.

2. If you don’t pay on time you reputation is on the line. Small business owners love to gossip. They slag off any customers who pay late. And with the Internet so freely available, your reputation can become crap overnight with one blog post. This leads into …

3. If you don’t pay on time, you can end up paying a premium. The current cost of money is about 1.5% per month. If your payment reputation is shite, than expect to pay at least 10-15 % more than if it were good or unknown. In some cases bad payers can be locked out of they supply chain completely and have to spend enormous amounts of time to find a new supplier.

With existing suppliers, if you screw them around, they will either add 10% to their next quote, or refer you to a lower-class competitor - hoping to send them broke because you don’t pay when due.

4. If you pay on time your staff don’t get harassed by debt collectors from your supplier’s accounts departments. This is a big source of staff burn-out. If you pay on time your staff won’t have to make up excuses for late payment and may actually start to enjoy their jobs.

In summary, if you want good service, good products, happier staff and ongoing loyalty, pay on time or before time and ignore your accountant’s advice.

What do you think? Why do you like early payment or not?

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Article supplied by Brisbane web designer and SEO Training.

Tags: accountants, Australia, brisbane, collection, debt, payment cycles, queensland, small business, suppliers

Stock Market Turmoil Leaves Many Australian Retirees Worried

The turmoil in the international stock markets is having a tragic impact on the retirement plans of many retired Australians.

For example, during September 2008, it was estimated by Super Ratings, a company that tracks the performance of super funds, that Australian super funds lost as much as 6% of their value. During the past year they lost 12% of their value.

The reason for the massive decline is the current superannuation rules which effectively place the Australian superannuation system in a virtual stock market strait jacket.

Over the years, The Investors Club has argued strongly that Australians should have greater flexibility in using their superannuation to invest directly in property and also to help pay off their mortgages.

This stock market strait jacket has been highlighted by a recent report from the Australian Prudential Regulation Authority (APRA) that tracked the performance of superannuation funds in Australia during the period 1997 to 2006.

Super woes highlighted

The report showed that the ten-year average annual return for super funds with assets more than $100 million was around 6.7% before they imposed fees and charges.

During the same period, figures produced by the Real Estate Institute of Australia (REIA) show that the annual average returns (taking into account capital growth and weekly rents), for a three-bedroom residential home in the major capital cities varied from 11.2% to 16.8%.

The heavy investment in the stock market by super funds is underlined by the APRA report which showed that during 2006 nearly 60% of investments were in Australian or international shares.

The current superannuation rules virtually prohibit the use of superannuation for residential real estate and goes against the basic investment tenant of not putting all of your eggs in one basket.

By allowing Australians to use their super contributions to pay off their mortgage, this would encourage additional super contributions. For example, someone has to earn $150 and pay $50 tax before paying $100 off their mortgage.

It would also allow more first home buyers to enter the housing market at a time when Australia is recognised as having among the most expensive real estate in the developed world and the worst housing shortage.

Interestingly, financial advisers and stockbrokers are the prime beneficiaries of this share market splurge and it is no coincidence that they are major contributors to both political party’s election funds.

It is now time that ordinary Australians were given a greater say in where their superannuation is invested and this should include the option of investing in residential real estate which is a proven long-term investment to create wealth.

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Further information available from :

Kevin Young - The Investors Club Kevin Young - The Investors Club Kevin Young - The Investors Club Kevin Young - The Investors Club Kevin Young - The Investors Club

Tags: apra, Australia, investing, kevin young, property, retirement, super, superannuation, the investors club