red Bad Credit Mortgage Refinancing By www.articlegeek.com Published On :: Bad Credit Mortgage Refinancing Program involves paying the earlier mortgage with the Bad Credit loan amount taken from another lender. Full Article
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red Medical Insurance - Sorry, you're not covered! By www.articlegeek.com Published On :: If you're looking for Medical Insurance you must read this article. It's important to appreciate what will and won't be insured. Do your homework now and understand the pitfalls - it will help you choose the right policy. Full Article
red Petrol retailers should reduce their prices in line with falls in international petrol prices By www.accc.gov.au Published On :: Wed, 22 Apr 2020 08:43:00 +1000 22 April 2020Petrol retailers should not use the current pandemic to further increase profits, which the latest ACCC petrol industry report shows have risen in recent years, and should pass on the full benefit of falling oil prices to motorists, the ACCC has said. Weekly average international crude oil prices have decreased by around US$ 50 per barrel since the beginning of the year and this has largely flowed through to Australian wholesale petrol prices, which have decreased by around 50 cents per litre (cpl) in the same period. Over the same period, seven-day rolling average petrol prices across the five largest cities (i.e. Sydney, Melbourne, Brisbane, Adelaide and Perth) have decreased by around 45 cpl. These cities have regular petrol price cycles, which makes it difficult to assess the exact flow through of falls in international crude oil and refined petrol prices in the short term. “The drop in the crude oil price is good news for the Australian motorists. At this time the Australian economy needs all the assistance it can get, and lower world crude oil prices are one of the few positives from current world events,” ACCC Chair Rod Sims said. “In the larger Australian capital cities, petrol retailers took too long to pass on the savings from the rapid drop in international oil prices, and this did not reflect well on them.” In Hobart, Canberra and Darwin as well as many regional locations, retail prices have been much slower to come down and the extent of the falls has varied widely. Fuel prices are generally higher in regional Australia due to a number of factors, including lower population and demand, meaning there are fewer petrol stations, which often leads to less competition. There are also higher costs for transport and storage of fuel, and less convenience sales which can support the operation costs of petrol retailers when fuel prices are low. Price changes in regional centres can lag up to six weeks behind changes in the larger capital cities, because the turnover of stock is generally lower in the country. The reduction in demand for petrol due to current travel restrictions may have further exacerbated the lag. “We have previously found that the lack of vigorous and effective competition in some regional locations was a major reason for higher prices in those locations,” Mr Sims said. “Where there is competition, you tend to see lower prices. Giving your business to outlets that are pricing competitively sends a strong message to those that have high prices that they will lose your business. We recommend motorists compare prices on fuel price apps and websites, such as MotorMouth and the government schemes in NSW, WA and the NT, which also provide information on retail prices in regional locations.” “Especially at this difficult time, retailers must not take advantage of the situation to increase their profits, but should pass on savings to motorists,” Mr Sims said. “The ACCC’s role is to monitor the market closely, and we will continue to do this, particularly to keep the pressure on the petrol retailers at this time.” New ACCC report shows retail profits increased over time The latest ACCC petrol industry report reports on the revenues, costs and profits in the Australian petroleum industry up to June 2018. It includes financial results for the retail and wholesale sectors as well as for refining and across the total downstream industry. Retail sector net profits across all fuel products, convenience store and non-fuel services were $616 million in 2017-18, the last year covered by this report. The sector generated a record high $333 million in net profits on petrol products – regular unleaded petrol (RULP), premium unleaded petrol (PULP) and ethanol blended petrol (EBP). This equates to a record net profit of 3.0 cpl on petrol products, which was almost double the average in the period 2008-09 to 2013-14 of 1.6 cpl. About 60 per cent of petrol net profits ($199 million) were made on premium fuels, which only accounted for about a third of petrol sales by volume. “Much of the increase in net profits on petrol products was driven by sales of PULP, which has a significantly higher profit margin for retailers,” Mr Sims said. Net profits on PULP 95 and PULP 98 were 5.8 cpl and 5.9 cpl respectively, while net profits on regular unleaded were 1.5 cpl in 2017-18. PULP 95 and PULP 98 have become more expensive relative to the retail price of RULP. The annual average price differential between RULP and PULP 98, for instance, increased to 20.4 cpl in 2017-18, an increase of 3.9 cpl since 2009-10. Profits were also influenced by higher sales volumes of PULP (particularly PULP 98). Retailers also earn substantial profits from convenience store sales. Convenience and other non-fuel sales contributed around 37 per cent of total retail sector net profits (or $226 million) in 2017-18, illustrating their importance to petrol retailers’ businesses as the profit margins on these products are significant. “Petrol stations make most of their profits from convenience sales and premium fuel. The average net profits on regular unleaded, at about 1.5 cpl are only a small part of the price motorists pay,” Mr Sims said. The annual average retail price of RULP in the five largest cities in 2017-18 was 134.5 cpl. “Drivers who have the option, can save money by resisting the temptation of convenience foods at petrol stations and using regular unleaded petrol, although motorists should follow their car manufacturers’ advice,” Mr Sims said. Net profits in 2017-18 were stronger for refining and across the total downstream industry The number of refineries halved from eight in 2002-03 to four in 2017-18, significantly rationalising operations. The financial performance of the refining sector fluctuated over the same period. Refining net profits however recovered following several years of net losses after the Global Financial Crisis. Net profits reached $845 million in 2017-18, the highest since 2007-08. Overall profits for the total supply sector (which comprises refining, importing and transactions between refiners) were $1.19 billion in 2017-18. Wholesale sector net profits were about $976 million in 2017-18 across all products and services. They have fluctuated over time but have been relatively consistent since 2008-09. Net profits for the total downstream industry across all products and services were $2.78 billion (or 2.9 cpl), the highest recorded since 2007-08 and more than double the figure recorded for 2013-14 ($1.24 billion, or 1.4 cpl). For petrol products, total industry net profits were $1.44 billion in 2017-18, or 4.2 cpl, the highest recorded by the ACCC. They were around double the profits on petrol products across the industry in 2013-14 ($723 million, or 2.0 cpl). Notes to editors On 16 December 2019, the Treasurer issued a new direction to the ACCC to monitor the prices, costs and profits relating to the supply of petroleum products in the petroleum industry in Australia. As part of this direction, the ACCC produces industry reports that focus on particular aspects of consumer interest in the fuel market in relation to prices, costs and profits. This is the first industry report under the new direction. It reports on the revenues, costs and profits for the total downstream petroleum industry as well as for the following industry sectors: retail, wholesale, and total supply (which comprises refining, importing and transactions between refiners). The focus of this report is to provide transparency around the financial performance and the profitability of the downstream petroleum industry. It presents results from analysis of this data. The ACCC analysed the financial data of 11 companies: refiner–wholesalers – BP, Caltex, Mobil and Viva Energy independent wholesalers – Liberty, Puma Energy and United supermarket chains – Coles Express and Woolworths large independent retailers – 7-Eleven and On The Run. The ACCC previously reported on financial results to the end of 2013-14. This report includes data from 2002-03 to 2017-18 (the latest data analysed), but excludes results for 2014-15 and 2015-16, which was a period when the ACCC conducted other financial analysis of the industry as part of its regional market study reports. All results in this report are in real terms in 2017-18 dollars. Release number: 76/20ACCC Infocentre: Use this form to make a general enquiry. Media enquiries: Media team - 1300 138 917 Audience Media Topics Fuel Full Article
red Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door facing South West By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces South West, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Full Article
red Annual Forecast for 2006 : Year of the Yang Red Fire Dog - General Analysis By www.articlegeek.com Published On :: General Yearly Forecast for the Chinese Lunar Year Yang Red Fire Dog (29.01.2006 to 17.02.2007) that deals with political, economical and general matters. What industries will thrive and what fields will fluctuate ? What type of health problems will dominate and what type of thought forms will get boosted ? Read on ... Full Article
red Annual Forecasts & Fengshui Remedies for 2006: Year of the Yang Red Fire Dog - for Rat Sign By www.articlegeek.com Published On :: If you were born in the Year of Rat or Mouse (1912, 1924, 1936, 1948, 1960, 1972, 1984, 1996) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Ox Sign By www.articlegeek.com Published On :: If you were born in the Year of Ox or Buffalo or Bull or Cow (1913, 1925, 1937, 1949, 1961, 1973, 1985, 1997) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Tiger Sign By www.articlegeek.com Published On :: If you were born in the Year of Tiger (1914, 1926, 1938, 1950, 1962, 1974, 1986, 1998) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Rabbit Sign By www.articlegeek.com Published On :: If you were born in the Year of Rabbit or Hare or Cat (1915, 1927, 1939, 1951, 1963,1975, 1987, 1999) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Dragon Sign By www.articlegeek.com Published On :: If you were born in the Year of Dragon (1904, 1916, 1928, 1940, 1952, 1964, 1976, 1988, 2000) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Snake Sign By www.articlegeek.com Published On :: If you were born in the Year of Snake (1905, 1917, 1929, 1941, 1953, 1965, 1977, 1989, 2001) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Horse Sign By www.articlegeek.com Published On :: If you were born in the Year of Horse (1906, 1918, 1930, 1942, 1954, 1966, 1978, 1990, 2002) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Goat Sign By www.articlegeek.com Published On :: If you were born in the Year of Goat or Sheep or Ram (1907, 1919, 1931, 1943, 1955, 1967, 1979, 1991, 2003) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Monkey Sign By www.articlegeek.com Published On :: If you were born in the Year of Monkey (1908, 1920, 1932, 1944, 1956, 1968, 1980, 1992, 2004) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths andbe warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Rooster Sign By www.articlegeek.com Published On :: If you were born in the Year of Rooster or Hen or Cock or Chicken or Phoenix (1909, 1921, 1933, 1945, 1957, 1969, 1981, 1993, 2005) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Dog Sign By www.articlegeek.com Published On :: If you were born in the Year of Dog (1910, 1922, 1934, 1946, 1958, 1970, 1982, 1994, 2006) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Annual Forecasts & Fengshui Remedies for 2006 : Year of the Yang Red Fire Dog - for Pig Sign By www.articlegeek.com Published On :: If you were born in the Year of Pig or Boar or Hog (1911, 1923, 1935, 1947, 1959, 1971, 1983, 1995) as per Chinese Astrology, know how you will fare in 2006 in your Career/Business, Health, Wealth, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door facing North By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces North, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006: Yearly Predictions & Remedies for Main Door facing South By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces South, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006: Yearly Predictions & Remedies for Main Door facing East By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces East, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006: Yearly Predictions & Remedies for Main Door Facing West By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces West, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door Facing North East By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces North East, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door Facing North West By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces North West, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Flying Stars Fengshui for 2006 : Yearly Predictions & Remedies for Main Door facing South East By www.articlegeek.com Published On :: If the Main Door of your flat/office/building faces South East, then read on to find out how you will fare in 2006 in your Career/Business, Health, Wealth, Relationships, Harmony and Love. Be aware of your strengths and be warned of the negative energy that you may have to face, to plan your strategies well ahead. Also advice regarding directions to be avoided for renovation, reconstruction, redecoration, etc. in 2006. Get to know the Fengshui Enhancers and Cures that can help you, too. Full Article
red Is Engineered Hardwood Cheaper than Real Hardwood? By www.411homerepair.com Published On :: Thu, 01 Aug 2019 00:00:00 EDT The right floor in any home or office can make a huge difference in the way it looks and adjusts the feel of the building. Of course, there are many variables that should be considered before you choose the best floor for your needs. Full Article Floors / Tile / Hardwood
red The Shawshank Redemption, a Stephen King movie By www.articlegeek.com Published On :: The Shawshank Redemption is consistently voted as one of the best movies of all time. Originally a story in a Stephen King book, the Different Seasons, known as Rita Hayworth and the Shawshank Redemption, the story was adapted and the movie created. Full Article
red How Walk-in Showers Can Aid Those with Reduced Mobility By www.411homerepair.com Published On :: Sat, 28 Mar 2020 00:00:00 EDT If you have less than perfect mobility, the chances are lowering yourself into a bath-tub is out of the question. But if you have a shower that's fixed over the bath, the chances are that having a shower can be a less than easy experience too. Bathrooms can be very hazardous environments; slippery floors, bath sides or shower trays to negotiate as well as the difficulty in standing for long periods in the shower. Full Article Kitchen / Bathrooms
red Use Creative Tools for Effective Website Redesigns By www.articlegeek.com Published On :: This article discusses the use of creative tools to plan a website redesign. It shows you how to take advantage of your staffs' diverse talents and skills. Full Article
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red Have You Ever Considered a Garden Inside Your House? By rssnewsfeed.net Published On :: Mon, 24 Feb 2014 07:46:32 +0000 Citation Twitter Find more on this here. More like this article. Keywords: Hydroponic systems for sale, Best way to grow indoors, Indoor grow cabinet, Best way to grow indoors, Grow box, Grow cabinets. The post Have You Ever Considered a Garden Inside Your House? appeared first on RSS News Feed. Full Article Food and Drink
red The Failure is Sundered Within By www.articlegeek.com Published On :: The failure is sundered within each of us. Yet innately the affectation begins with our own visceral manumission of guilt, and sadly, empirically lies buried in our own personal failings. Full Article
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red High-End Audio Surveillance Equipment Uncovered By www.articlegeek.com Published On :: This article will familiarize your with the technology behind audio surveillance. What phone bugs there exist? How is it possible for parents to spy on their teens and even know where they are at them moment with unsusceptible gadgets. Full Article
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red Adverse Credit Debt Consolidation Loan to Mitigate Ills of Bad Credit By www.articlegeek.com Published On :: An individual's credit rating plays a key role while borrowing money from the loan market. It becomes difficult to get a loan when you have adverse credit rating. Adverse credit debt consolidation loan can work as an effective solution in this case. It helps in consolidating a borrower's debt into one affordable loan at better terms. Read the article to know how an adverse credit debt consolidation loan can help you get out of debts. Full Article
red 5 Tips for Repairing Bad Credit By www.articlegeek.com Published On :: For most of us, overspending can be very hard to tame. But if you already have bad credit, it is the number one strategy for getting your finances under control. Full Article
red Essential Tips on How to Get a Credit Card By www.articlegeek.com Published On :: Banks and their marketing associates and divisions are vying with one another to capture a thick slice of the "credit card pie." Offers by phone and mail of free credit cards, pre-approved credit cards, cards with special bonanzas, money back schemes, low introductory rates, and umpteen other perks pour in tempting you everyday. Full Article
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red Credit Card Debt Management By www.articlegeek.com Published On :: Imagine being able to control your credit card debts from the very beginning. This article outlines some basic steps you can take to ensure you keep your credit card debts to a minimum. Full Article
