Reginald Chan

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  • How To Find For Job Opportunity In The Post-COVID-19 Era?

    How To Find For Job Opportunity In The Post-COVID-19 Era?

    The COVID-19 pandemic has had a profound impact on the global economy, with businesses across sectors facing challenges. The job market has been particularly affected, with many people losing their jobs or facing reduced hours and income.

    If you’re looking for a job in the current climate, it’s important to be strategic and proactive in your search. Here are some tips on how to find job opportunities in the post-COVID era:

    1. Use social media to your advantage

    Social media can be a great tool for job seekers. Use platforms like LinkedIn to connect with potential employers and network with other professionals in your industry. Twitter is also a valuable resource for following companies and job openings that may be of interest to you.

    2. Stay up to date with industry news

    It’s important to stay up to date with industry news and trends, even if you’re not actively looking for a job. This will help you be better prepared when an opportunity does arise. Follow relevant publications and influencers on social media, and set up Google Alerts for keywords related to your industry.

    3. Get involved in your industry

    Getting involved in your industry is a great way to make connections and stay knowledgeable about current trends. Consider joining professional associations or attending industry events (virtually or in person when it’s safe to do so).

    4. Polish your resume and online presence

    Make sure your resume is up to date and tailored to the types of jobs you’re interested in. Review your online presence (including social media profiles) to ensure that it’s professional and consistent with the image you want to project.

    5. Be flexible

    Be open to new opportunities, even if they’re not exactly what you’re looking for. Consider temporary or contract positions, as well as jobs in industries that may be growing in the post-COVID era.

    6. Don’t give up

    The job market may be challenging right now, but it’s important to persevere in your search. Stay positive and keep networking, applying for jobs, and growing your skills. Eventually, you’ll find the right opportunity.

    The post-COVID job market may be challenging, but there are still opportunities out there. By using the tips above, you can improve your chances of finding the right job for you.

    Summary

    Finding a job opportunity after the COVID-19 pandemic is not an easy task. However, it is not impossible to do so. Keep your heads up all the time, don’t give up and more importantly, have faith in yourself.

    You have a lot more to offer to your future employee(s) so don’t ever give up hope.

  • What a Good Debt vs Bad Debt For Businesses Means

    What a Good Debt vs Bad Debt For Businesses Means

    Most businesses need some form of credit or borrowing at some point in their lifetime. Whether it’s a start-up loan to get things moving or simply an overdraft facility to help with cash flow, having the right access to lending can help a business survive or even thrive. Basically there is no shame whatsoever in a business being in debt – that is as long as it is the right kind of debt…

    Indeed, in this world there are two distinct kinds of debt – good debt (or at the very least, acceptable debt!), and bad debt. An example of a good or acceptable debt is the metaphorical one you owe to your parents for giving you life, whereas a bad debt is the kind you owe to the Mafia after some ill advised heavy betting on the Super Bowl.

    In this post we are going to look at some examples of good (ie, acceptable!) business debt and bad business debt with an emphasis on how to avoid the latter. So, good vs bad business debt  round 1!

    Is There Really Such A Thing as a Good Debt?

    Ok, so in an ideal world none of us would ever want to be in debt to anybody. After all, earning money simply to hand it over to pay for pleasures we’ve already enjoyed kind of sucks. But, in the world of business finance things are a lot more complicated.

    Firstly a good debt is one that will benefit your business in the future in some way so perhaps try to look at it as an investment but one funded by a creditor rather on your behalf!

    Next, a good debt is one which your business can comfortably afford to service each month, even when cash flow is interrupted or when there are sudden, unexpected extra outgoings.

    An example of a good debt is a Start Up loan. While borrowing money to launch a business is risky, it is ultimately a positive step. If the business proves successful (and remember, the bank believed it would be when lending the money) then the loan will be repaid within a few years and you will have a business that earns you money.

    Another example of a good debt is a mortgage to buy business property. If your business is renting its premises, then that is unfortunately money down the drain. On the other hand, channelling what your business would pay in rent towards a commercial mortgage does not impact outgoings, and means that your business will have an asset at the end of the term.

    And What Is a Bad Debt?

    In contrast, a bad business debt is simply one that will just drain resources and offer no long term value.

    A great example is over reliance on the business overdraft. Perpetually operating from inside an overdraft means incurring fees and interest charges month after month simply for conducting ‘business as usual’.

    Another example is a business car loan. Maybe you really do need a car in order to run your business, but using a loan to pay for it means paying above the market price for an asset that will decrease in value the second you drive it away from the showroom.

    Another form of bad debt is any debt that stretches your business too much and leaves you struggling to pay it each month. From this perspective, even a good debt can become a bad one if you borrow too much and end up struggling to repay it. If a business is directing all of its cash flow towards servicing debts that leaves them unable to expand or explore new opportunities.

    It may also mean having to use credit facilities such as credit cards and overdrafts to pay loans and mortgages – in short, getting into debt to pay debt.

    Next, Meet Ambiguous Debt!

    Some business debts are not necessarily good or bad but can either, both or neither depending on the exact context.

    For example,  a debt consolidation loan is on the one hand a drain on resources that offers no long term value, but on the other, it does help to minimise and manage other debts. Paying a single, low interest loan can sometimes be a lot smarter than paying 2 or 3 credit cards.

    Next, a loan to buy business tools or equipment also falls into this category. Basically the equipment will help the business to grow, but will also lose value immediately.

    Final Thoughts on Good vs Bad Business Debt

    In summary, business borrowing is a reality of operating any kind of enterprise. Owning money can make even experienced business owners nervous but as long as the debt is manageable, and will ultimately benefit the business it should be viewed as a good business debt.

  • How Do You Exercise Safety On A Scooter?

    How Do You Exercise Safety On A Scooter?

    1. Have A Bell Or Horn

    Courtesy will take you a long way, especially when you are sharing the sidewalk with pedestrians. As such, it is wise to install a horn or bell. The best thing is that a majority of the scooters come with bells or horns similar to those on bicycles. However, if your model does not have one, consider installing one. They are very affordable. Use them when necessary, but not incessantly. Its main purpose is to warn others when you are behind.

    2. Never ride with your phone in your hand.

    Distracted riding is one of the leading causes of scooter accidents and injuries. Just like the way you drive a vehicle, it is important to avoid distractions. If your phone rings, it is wise to hit the brakes and pull over somewhere before taking the call. By taking this simple precaution, you will be improving your safety.

    3. Use the scooter for short trips around town.

    When taking long trips, it is wise not to carry your scooter. That is because the scooter may be damaged, lost, or stolen. Never put yourself at such a risk. Remember, the insurance company may not cover the cost if it is damaged or stolen.

    The best option is to rent a scooter at the destination. While renting a scooter, never rent a scooter that is different from the model you own back at home. It should be the same or similar.

    4. Always keep your scooter secure.

    Never assume that your scooter is safe when you leave it outside a store. Someone is always looking for ways to make fast cash. This is why we always advise people to secure their scooters at all times. One of the best ways to improve safety is by installing an alarm. Locking the wheels will deter anyone looking to take the scooter.

    5. Understand The Best Way To Approach Ramps

    The best way to approach a ramp is head-on. Do not forget to drive the scooter as straight as possible. Remember, approaching a ramp at a slight angle could tip you over, cause injuries, or damage the scooter. Approaching it straight will allow you to smoothly and safely use the ramp. This technique should apply to crossing curbs and bumps as well.

    6. Attempt to avoid obstacles as much as possible.

    Although some mobility scooters look like they can handle any rough terrain, it is wise not to test the limit. That is because you may end up damaging your scooter. Broken pavement and rocks can damage the tires and make the scooter unstable while riding. This is why it is wise to avoid all obstacles as much as possible.

    7. Riding in Public Should Be Practiced First

    Never teach yourself or any other person to ride a scooter in public. Always find a secure place that does not have traffic to practice. In fact, before you ride it in public, you should familiarize yourself with the controls.

    8. Always Stay Visible

    Never assume that other drivers are seeing you. This is why it is paramount to make yourself visible. You can achieve this by using reflective strips and lights. Doping this will make you noticeable, even at night. It is wise to ensure that you have done everything possible for maximum visibility.

    9. Maintenance

    Maintenance is paramount because it helps extend the lifespan of the scooter, just like it would on a car. As a result, keep the scooter fully charged, inspect the tires, and have it serviced on a regular basis (especially if you notice a problem, no matter how minor).

    10. The weight you carry

    It is wise to always check the weight of what you carry. You may be forced to carry some things, such as oxygen and others. Even though you are forced to carry these things, it is paramount that you only carry the necessary things and also check their weight. Remember, the heavier the scooter is, the more difficult it will operate and the more difficult it will manoeuvre.

    11. Avoid Steep Slopes

    Going over steep slopes will overwork the scooter. This may lead to overheating and other power-related failures. You will be stranded or make the scooter roll dangerously backwards down the slope if this occurs. If you live in an area where there are steep slopes, consider working around them.

  • 7 Reasons You Would Want To Diversify Your Financial Assets

    7 Reasons You Would Want To Diversify Your Financial Assets

    Diversifying financial assets means spreading investments across a range of different asset types in order to minimize risk. This strategy is often used by investors who are looking to protect their portfolios from volatility. By investing in a variety of assets, investors can help ensure that their portfolio is less likely to be impacted by any one particular event. There are many benefits to diversifying financial assets. And during this article, we will discuss the top seven reasons you would want to diversify your assets.

    Diversification Can Help You Manage Risk

    When you diversify your financial assets, you are essentially spreading out your risk. This means that if one investment loses value, the others may offset those losses. In other words, diversification can help protect your portfolio from sudden market changes. Another way diversifying your financial assets can help you manage risk is by reducing your dependence on any one investment. 

    Similarly, you can diversify your financial assets by diversifying your investments across different asset classes and diversifying your investments across different geographical regions. Diversification does not guarantee against loss, but it can help to manage risk. When constructing a diversified portfolio, it is important to consider your investment objectives and risk tolerance. You may also want to consult with a financial advisor to ensure that your portfolio is properly diversified.

    Diversification Can Lead To Higher Returns

    Investing in a variety of different assets can actually lead to higher overall returns. This is because different asset classes often perform differently at different times. For example, stocks tend to do well when the economy is growing, while bonds tend to do well when the economy is struggling. Stocks are an ownership stake in a company, while bonds are debt instruments. When you invest in stocks, you become a shareholder and are entitled to a portion of the company’s profits (if any). If the company does well, your stock will likely increase in value. If the company does poorly, your stock may decrease in value. When you invest in bonds, you are lending money to the bond issuer. The issuer agrees to pay you interest on your loan and to return your principal when the bond matures. Bonds tend to be less risky than stocks, but they also typically provide lower returns. By investing in both, you can take advantage of different market conditions and potentially earn higher returns. However, having cash and investing come hand in hand. If you want to invest in a variety of different assets, firstly you need to check that your financial situation allows it. In some cases, you may need a cash loan. However, due to diversification leading to higher returns, you can be sure to be able to repay your loan in full. 

    Diversification Can Help You Reach Your Financial Goals

    When you diversify your investments, you are essentially giving yourself more options. This can be helpful if you have specific financial goals in mind, such as retirement. There are several benefits to investing money for retirement. One of the most important is that it can help you maintain your lifestyle in retirement. Investing allows you to grow your nest egg so that you have more money to spend each year, which can help offset any reductions in the income you may experience during retirement. By investing in a variety of assets, you can maximize your chances of reaching your financial goals.

    Diversification Can Make Your Portfolio More Resilient

    If you only invest in one or two asset classes, your portfolio may be more vulnerable to sudden market changes. However, if you diversify your investments, you can make your portfolio more resilient to sudden shifts. This can help reduce the overall risk of your investment strategy.

    Diversification Can Provide Peace Of Mind

    There are a lot of different ways that investing money and diversifying financial assets can help to decrease anxiety and give a better quality of life. One way is by providing a safety net in case of financial emergencies. Having money set aside in investments can help to ease the worry and stress that comes with not knowing how you will pay for unexpected expenses. This can free up your mental energy to focus on other things, like enjoying your life. Another way that investing can help to improve your quality of life is by giving you the opportunity to travel or experience new things. If you have extra money coming in from investments, you can use it to take the trip of a lifetime or explore new hobbies and interests. This can lead to a more well-rounded and fulfilling life. 

    Finally, investing can help to secure your financial future. By putting away money now, you can ensure that you will have the resources you need later on in life. This can give you peace of mind and help you to enjoy your life more fully. Investing can be a stressful endeavor to embark upon initially. However, if you diversify your assets, you can minimize this anxiety. This is because you will know that your portfolio is less likely to experience sudden drops in value. This way, you can live a well-rounded and fulfilled life without a fraction of the worry you would have if you don’t diversify your assets. 

    Diversification Can Make It Easier To Rebalance Your Portfolio 

    If you only invest in a few asset classes, rebalancing your portfolio can be difficult. However, if you diversify your investments, you can more easily keep your portfolio balanced. This can help reduce risk and improve returns over time.

    Diversification Can Lower Your Taxes

    When you diversify your financial assets, you may be able to lower your overall tax bill. This is because different asset classes are taxed at different rates. For example, long-term capital gains are typically taxed at a lower rate than short-term gains. By investing in a variety of assets, you can take advantage of different tax rates and potentially lower your overall tax liability.

    Diverse, Diverse, And Diverse Some More!

    Overall, there are many benefits to diversifying your financial assets. It can help to reduce risk, protect your portfolio from volatility, and provide you with a more stable investment strategy. This approach can also help you to achieve your financial goals by providing you with a greater range of investment options. 

    Ultimately, diversifying your assets can give you peace of mind knowing that your investment portfolio is well-protected. Having peace of mind knowing your portfolio is less likely to experience sudden drops in value is paramount in living a stress-free healthy life. By knowing your own and your family’s financial future is secured, you can invest your energy into more important things in life – like spending time with your loved ones. So what are you waiting for, get diversifying today!

  • Every Student Should Use These 7 Apps to Focus

    Every Student Should Use These 7 Apps to Focus

    In today’s digital world, it is difficult to focus on a single task. Once you get down to business, your smartphone starts vibrating with the flow of incoming messages and social media notifications. As a result, your productivity is decreased, and this can lead to poor academic results.

    But if you learn how to manage apps properly, you can take advantage of them. Nowadays, we are provided with a wide range of platforms and services designed to simplify students’ life. For example, you can turn to papers writing service if you are struggling with your assignments. That’s why we created this article to represent some apps that you can use to improve your academic results and manage your tasks effectively.

    Tally: The Anything Tracker

    Nowadays, almost everyone has a problem with staying focused. This is mostly due to the large amount of information and tasks that just can’t be well structured and tracked in your head. This leads to forgetfulness, anxiety, loss of faith in oneself, and, of course, losing focus.

    There are a million different apps for such cases. “Tally: The Anything Tracker” is a tool that helps you keep track of absolutely everything:

    • habits;
    • spending;
    • mood changes;
    • goals;
    • medication intake;
    • pages you need to read daily;
    • exercises;
    • homework;
    • amount of coffee or water you drink.

    This app also offers some semblance of a diary and the ability to make to-do lists. The free version has trackers available for three items.

    Moody: Mood Tracker & Journal

    When you are stressed because of education or just life in general, it is impossible to stay productive and focused. With the help of this app, you can boost your mood and emotional well-being. It’s pretty simple to use – throughout the day, you track your physical and mental condition and write down everything in the app.

    First, it allows you to understand the reasons for what’s going on. Secondly, if you keep such a diary for a longer time, you will be able to identify specific patterns associated with any emotion.

    Within the trial period, users are offered to make 15 entries, after which they have to switch to the premium one.

    Done: A Simple Habit Tracker

    It’s another tracker, but this time purposefully made to form or abandon certain habits. For example, you can aim at drinking more water, reading ten pages per day, exercising more, doing homework on time, and so on.

    Once you’ve set a goal, a process indicator appears in the app, which begins to fill in as you progress. Thus, you will learn how to stay concentrated on specific goals. This app will also teach you how to retain motivation and not quit halfway through.

    Endel

    It is a cool app that can customize itself to the individual user. Endel is a Berlin-based startup that is based on creating a personalized sound background using artificial intelligence.

    The app takes into account your location, time of day, weather, and heart rate, and the sounds change according to your biological clock. It will help you focus on a variety of activities and be more productive.

    The app is free, but after the 7-day trial, you must subscribe to continue using it.

    Be Focused

    This app will help you control the time you spend at work, university, etc. By using it, you can estimate the amount of time dedicated to certain tasks. Initially, the app has a timer for 25 minutes of work and 5 minutes of rest (you can change it in the settings). After four such sessions, you can rest for 15-30 minutes.

    Thus, you can adjust your work-life balance and track how much time a particular task takes. In the end, you can observe how productive you have become.

    Engross

    With the help of Engross, you will simplify your studying and improve productivity. In this app, in addition to timers for the working process, there are also timers for breaks. Besides, there is a built-in organizer so that you can remember important things.

    The cool feature is that whenever you don’t feel like working or studying anymore, you can click on the “Hit me when I am distracted” button to stay motivated and concentrate on accomplishing specific tasks.

    The app has a subscription with which you can expand the functionality, but the basic features are enough to work comfortably.

    Forest

    When Forest had just appeared on the market, many users pointed out it was worth paying attention to. The aim of the app is that every time you need to focus on something, you start a timer from 30 to 120 minutes and get down to business. When being concentrated, you “grow” a tree in a virtual forest in this app as time passes on the timer.

    If you decide to get distracted by Instagram or other apps, however, the tree dies. Of course, when you must call someone, it doesn’t count as a “distraction.”

    If you remain a diligent student, you will grow a whole garden of trees – isn’t it great? But together with “healthy trees,” you will also have “dead” ones as a reminder that you have been distracted when you had to stay focused.

    For each successfully completed task, you “earn money” and get internal currency, with which you can buy new types of trees. Since its release, plenty of users have downloaded this tool. Besides, the rating remains high – 4.9. Hence, if you really want to improve productivity and learn how to stay concentrated, you should give this app a shot.

    Summing Up

    Unfortunately, our cell phones are one of the main causes of loss of concentration and sources of stress and anxiety. Yet, with the right approach and helpful applications, they can be an important tool to achieve harmony and increased productivity. We hope that upon reading this article, you will find the app that meets your expectations and improves your concentration.

  • Reasons to hire digital marketers for the PPC campaign

    Reasons to hire digital marketers for the PPC campaign

    Most successful companies have one thing in common: they all have an effective digital marketing strategy. You cannot attract online traffic to your website without an effective digital strategy in place. However, rather than just attracting general traffic, it is essential to draw quality traffic to increase revenues.

    It is advisable to hire one of Australia’s leading digital marketing stratigists who will help you draw relevant traffic to your website through a PPC campaign using Google Ads. But why should you invest money in it, and what are the reasons behind utilizing this strategy?

    Google Ads enable you to focus on a target audience interested in your products and services. It offers you the advantage of displaying your company’s ads to users while they are looking for a specific product, thus increasing the chances of converting them into customers.

    What are the other advantages of using this online advertising platform as part of your PPC campaign, and how can online agencies help you? What are further details regarding this topic you must be aware of?

    Some statistics on PPC campaigns in Australia

    In 2018, Google contributed to about 96% of the search advertising revenue in Australia, which has grown significantly over the years. Today, more than 80% of businesses in Australia focus on Google Ads as part of their PPC campaigns, while 62% of marketers increased their PPC budget between 2021 to 2022.

    Apart from Google Ads, another pay-per-click avenue in Australia is Instagram, which more than 92% of Australians use to know about a brand, explore their website, or buy a product. The average user in Australia spends about 32 minutes on a social media platform daily, with Youtube occupying the top position.

    How does Google Ads help you?

    As mentioned earlier, it is a platform that lets you offer your services to those searching for it. However, to increase your website’s ranking and visibility, you need to employ various strategies, one of which is conducting proper keyword research.

    With proper keyword research management, you will have an increased number of visitors to your website, thus increasing your chances of converting prospects into customers.

    Keyword research also enables you to know the cost of each keyword and plan your finances accordingly. For example, some of the most expensive keywords in Australia include lawyer, workers comp, business service, finance, degree, car finance, education, and loans. You can check where your business stands among these.

    How do marketing agencies charge you?

    A reliable agency will ask you to pay only for the number of clicks or visits on your website since that is what PPC stands for. Some agencies might offer additional services like Google Shopping Ad Creation, collaboration and adaptation of your brand identity, and building your landing page whenever required.

    Interestingly, most small businesses in Australia spend between 5,000 AUD to 15,000 AUD monthly for their Google Ads campaigns, with costs per per-clicks varying between 7 AUD to 30 AUD.

    How can a marketing agency help you?

    Marketing companies have a team of professionals comprising SEO copywriters, Google experts, and marketing professionals dedicated to PPC campaigns who understand its technicalities and strategies. They know the complicated working of Google Ads and how to deliver results effectively.

    Besides, they might offer you additional services like Google Shopping, which plays a vital role because more than 7 million Australian households use the platform for their shopping needs. Data also show that more than 81% of Australians prefer shopping online, with click-and-collect searches increasing rapidly since COVID-19. You should consider hiring one of Australia’s leading digital marketing stratigists to help you create an effective PPC campaign. It is cost-effective, gives your visitors what they want, increases warm leads, and generates organic traffic in a short period.