One Cent At A Time

A Personal finance blog to get rich

Archives for February 2021

Buying A Land? Remember These 5 Important Things

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If you are trying to look for an outstanding investment, then choose to invest your money in land. Why? Primarily because the land is a fixed entity, and it doesn’t go anywhere. It stays in the same place, and it doesn’t change its form, but you can expect its price and value to increase over time.

Buying A Land? Remember These 5 Important Things

Some people think that buying land is useless because they believe it doesn’t generate enough cash. However, such logic is typically a misconception since there is serious money in investing land. You just have to know what kind of investment would work best if you use the land and patiently wait for the right time to come. On this note, here are five things you need to know before you buy land.

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What is Bitcoin And Why Is It Largest Cryptocurrency?

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The cryptocurrency industry might look like a very mysterious one to people who do not know the facts about it. The world’s largest cryptocurrency running at around $55,000 presently is Bitcoin.

Bitcoin

But how many people do know where and how it originated from, what some interesting facts are, and what are the advantages and disadvantages of investing in bitcoin? Visit Bitcoincircuit to know everything about the bitcoin currency.

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7 No-Fail Tips for Cutting Healthcare Costs

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The cost of healthcare has steadily increased over the past decade, leaving many individuals no choice but to forgo coverage altogether. There are numerous reasons for skyrocketing prices, like the rising cost of medical services, a soaring number of chronically ill individuals, and insurance monopolies dictating the market to benefit their pockets.

7 No-Fail Tips for Cutting Healthcare Costs

Average fees have risen to roughly $500 per individual and $1100 per family, causing many to look elsewhere for medical care or simply avoid services. 

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The Top 15 Ways to Supplement Your Stimulus Check

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Stimulus checks have given much-needed financial aid to many facing economic hardship during the pandemic. While the money has undoubtedly been very helpful, you might be wondering if there are other ways to earn a little extra money on the side—especially if you have a large pile of bills and are wondering how to get out of debt quickly.

The Top 15 Ways to Supplement Your Stimulus Check

If you had a job loss due to the pandemic, you should first start looking for a job or even a side hustle. These ideas are to supplement your main income only. They can’t earn you a regular living.

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The 4 Best Places To Retire In The US And Why

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There is no rule that you have to stay in one place your whole life. There are a lot of factors that go into where the best place is for you to retire. It may just so happen that the best place is not where you are currently.

The 4 Best Places To Retire In The US And Why

Kids are grown and have moved so there is nothing stopping you from going to your dream area. Or, you are now on a serious budget and your area is too expensive to live a good retirement. Then, there are also health concerns and where you are now may not have the right weather or amenities for your condition.

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How to Monetize Bitcoin

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Is 2021 the year you take the plunge on Bitcoin? If all this talk of transformative digital currencies and revolutionary blockchain technology has got you excited to try your hand at making money with Bitcoin, we’re here to help. 

Well past its infancy, Bitcoin in the 2020s is a mature and respected part of the global financial network, making it the asset of choice for millions of investors and traders. To help you take your first step as a Bitcoin investor, we’ve prepared this short guide to three different strategies for trading in Bitcoin. 

The key to all of these approaches is finding the right digital exchange. Working with a reputable exchange allows you to move quickly when the market presents an opportunity, while still delivering the security you need to trade with confidence – CoinSpot is that exchange.

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International Students Market in Australia

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International students’ enrolment rates have been increasing since 1994 and peaked in 2019 with a total of 943,450 enrolments across higher education, secondary and early childhood education. 2020 has proved itself to be a hard year in the education industry, showing a 6.9% decrease in enrolments across all education sectors. THE MARKET OF INTERNATIONAL STUDENTS IN AUSTRALIA International students’ enrolment rates have been increasing since 1994 and peaked in 2019 with a total of 943,450 enrolments across higher education, secondary and early childhood education. 2020 has proved itself to be a hard year in the education industry, showing a 6.9% decrease in enrolments across all education sectors. Leading the trend was the sharp decrease of enrolments in English Language Courses (ELICOS). from 151,976 to 103,130. Seconded by the higher education sector which saw a 5% decrease of enrolments from 440,308 to 418,018. The decrease of enrolments was evident in between holidays, where it was the lowest between Queensland school holidays in April and May. Early childhood education The effects of a 5% decrease in higher education enrolments does not only affect the education industry itself, as international students contribute to the demand of accommodations, retail and hospitality as well as luxury goods. In 2019, universities reported a $9.8 billion revenue from international students, considering the total contribution of $40 billion was made to the Australian economy in the same year, it is not hard to see the domino effect that a small decrease from international students could have on the economy as a whole. The impacts were also amplified by the number of international student visa holders who are outside Australia, where 30% of international student visa holders are not in the country by the end of 2020 and the downtrend is expected to resonate in 2021. Combined with the decreasing enrolment rates, the 40-billion-dollar pie shared by Australian businesses from retail to real estate is expected to shrink as new enrolments from international students continue to fall, and enrolled students continue to leave. The theme observed from various international student groups in Australia seems to indicate that their decision was influenced by a combination of factors. Some students have been in Australia since the start of 2019 and the uncertainty of when the borders will open have pushed some students to return back to their countries as attending online classes while living in Australia does not seem to be the most economical choice, where students are paying for rent, utilities and other living expenses. While others were frustrated that they could not return to Australia since the borders were closed to international students. Perhaps one of the factors that can be quantified more easily is the increasing tuition fees that universities are charging towards international students despite the classes being online and campuses closed off to students. From 2016 to 2019, the tuition fee for international students have surged over 18% which is over 350% of the inflation rate in the same period. This seems to concur with the plain definition of s 49 - price discrimination in the Trade Practices Act introduced in 1974, although the provision was repealed by the Competition Policy Reform Act in 1995 in 1995; the argument that international students should pay more largely because they don’t pay Australia taxes which contribute to universities. This argument would be valid if education was free and subsidised largely by Australian taxes, however as Australian universities are not free and the fact that international students do pay tax on their income, food and even a textbook; the argument that international students don’t pay taxes seem to be far fetched and flawed. Like any other markets, the education industry is prone to ups and downs. The education industry standing at the third biggest export of Australia proves that there is no dispute that there is still a strong demand for Australian education, but when the practices of universities are largely based on economic motives paired with the downtrend of international demand and public policy made without concern for international students despite their significant contribution; it is setting the stage for the downfall of the industry and the wellbeing of the economy and reputation that Australia currently holds as a whole.

Leading the trend was the sharp decrease of enrolments in English Language Courses (ELICOS). from 151,976 to 103,130. Seconded by the higher education sector which saw a 5% decrease of enrolments from 440,308 to 418,018. The decrease of enrolments was evident in between holidays, where it was the lowest between Queensland school holidays in April and May.

Early childhood education 

The effects of a 5% decrease in higher education enrolments does not only affect the education industry itself, as international students contribute to the demand of accommodations, retail and hospitality as well as luxury goods.

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5 Ways Buyers Can Save Money on Their Next Vehicle Purchase

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For most people, driving is an essential part of everyday life. Whether you depend on your car to get to work, shop for groceries, or drop your kids at school, you’ll need a reliable vehicle to help you along the way. Unfortunately, even the most well-tended cars will eventually hit their high-mileage breaking point.

5 Ways Buyers Can Save Money on Their Next Vehicle Purchase

While it may be tempting to brush issues under the rug or fork out the big bucks to fix your treasured car, it’s safer and more cost-efficient to start fresh with a new model before your vehicle gives out entirely. 

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Crisis Averted: 5 Ways Business Owners Can Save Money on Workers’ Compensation 

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As the pandemic surges forward, businesses are struggling to stay open and make a profit. Numerous issues plague business owners who are doing everything in their power to run a successful enterprise while keeping employees cared for and paid. No matter how many safety precautions a company employs, accidents are bound to happen, and employees will need proper assistance. 

Why You Should Encrypt Business Documents

Although businesses have taken required and necessary precautions to ensure workplace safety, all it takes is one slip-up to bring a company to a complete standstill. After an employee is injured, they will need time to rest and recover, which means productivity may decrease. In worst-case scenarios, you may need to hire an interim employee to help with day-to-day productivity or pay non-injured employees overtime to cover extra shifts. 

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