Showing posts with label Health and Finances. Show all posts
Showing posts with label Health and Finances. Show all posts

8/28/2018


Borrowing money can be an easy way of getting emergency cash, but in the end, you have to pay that money back, often with interest added on top. Not everyone can afford to take out a loan and other people may be rejected if their credit score is too low. Fortunately, there are other funding options out there for when your money – here are just a few options.

8/15/2018

Being new to the world of business, the task that everyone else in a similar position to you does can seem daunting. They have already been doing these things for years and years, while you may have only just come into age. Small business finances can be easy and simple, or they can be needlessly complex and time-consuming. The tracking and logging of logistical equipment buying, renting, loans, contracts, deal, as well as sales and savings are just some of the things you’ll be introduced to. There are some great ways of doing all of these financial tasks online and using modern software to help you keep tracking of savings and spendings. But even these software options have to be properly studied, applied and improved as time goes by. What if you need to track your business finances right now and don’t have the option of waiting to learn Excel or similar software? Well, the old methods that were used before the computer age are still valid and could make life so much easier for you.
   

8/14/2018

7/27/2018




It’s claimed that money causes more problems in families and between partners than pretty much anything else. If you’ve ever experienced the worry and stress of living through financial difficulties, you’ll know what a serious effect it can have on your relationship and your family’s wellbeing. If you haven’t, then congratulations! However, it doesn’t mean you won’t face your own financial challenges in the future. Therefore, it’s sensible for every couple to take charge of their finances and ensure the security of their family for the future.

7/24/2018


Living on a low income isn’t easy. Wondering how your pay will fund essential household outgoings, such as food and heating, can put a serious strain on you and your family.

If you’re struggling to make ends meet, it can be difficult to see a way out. In order to make your money stretch as far as possible, you are going to have to use all of the tricks in the book.
We all know that saving money is a good idea, essential, some would say, but it can be truly difficult to make a start, especially if you’ve never tried to save before. However, if you can put money aside each week or month, it can make life a lot easier in the long term. Here are some useful pieces of advice about how to save money and change your life for the better.

7/12/2018

Do you constantly worry about paying your bills? Do you fear that you are not going to have enough money in your bank account when your next direct debit comes out? If this is the case, it is time to take action. Worrying about money and bills can take over your life if you are not careful. You don’t want to spend all of your life fretting and counting your pennies, so read on to discover the steps that you need to take.

7/10/2018


Financial Fixes

Stressed-out parents doing their best to make ends meet may have had a hard time keeping up with financial payments in the past. Unfortunately for people who have got themselves into a financial mess, these monetary mistakes tend to stick to us like an unwelcome odor. However, by taking the time to look on the Internet for websites providing solutions for people with a poor credit rating, bad debtors may be able to fix their financial predicament.

There are a number of things that can be affected by having a history of bad credit, increased premiums on car insurance and difficult dealings with utility providers being just two of them. Searching online for well-informed sites detailing ways to improve our credit rating would definitely be time well-spent for people who are in need of a financial fix. 

5/09/2018


Today’s small businesses exist in a landscape of economics that is new and often unpredictable, forcing out-of-the-box thinking and creativity just to get started, let alone remain stable. Here are three tactics to ensure stability for a new small business venture.

1.      Prepare: All too often, entrepreneurs have boundless energy to leap into a venture before thinking through it. 


While that may be the great beginnings of an idea, a business owner needs to have a long-term plan too. Take the time to prepare and think through decisions for the stability of the business. 



 For instance, a business owner should clarify all the reasons and goals for the business, and the best place to start, especially with a small business, is personal. The “why” behind the business, the time frame, and the goals of the business are key to making sure it lasts. 

4/18/2018



There has been a tremendous increase in the alternative finance business across the country. But have you ever given a thought to what has fuelled the rise of these alternative lenders?

Even since the 2008 crash, the high street British Banks have been very reluctant to fund the start-ups and small businesses. This has resulted in the failure of thousands of start-ups and small businesses over the last decade.

This gave rise to another question; can small business owners trust the high street banks?

Even after facing rejections, the small businesses continued to trust the big banks. But due to continuous failed and fraudulent activities of banks made the UK SMEs think otherwise. One such event was of a bank actively working against small businesses for mere reason of gaining profits and bonuses. RBS was exposed for making up fees, imposition of high interest rates, acquiring equity and property from failed businesses and for gaining huge bonuses over it.

Although this was a publicly owned bank, its behaviour was not in the benefits of the public. This incident certainly made small businesses and start-ups avoid seeking financial helps from the high street banks.

Even today, certain small businesses and start-ups believe in their local banks and trust them when it comes to financial support. What they forget is that they simply cannot rely on local banks to fulfil their financial needs anymore.

The FCA’s report on RBS is another example of how much have the big banks fallen in the eyes of the business community. This leaves us with the fact that the high street banks are no more number #1 choice for small businesses and start-ups seeking financial support.

If a financial institution like RBS could perform such an act for the mere purpose of gaining profits, it definitely raises questions for business owners regarding the trust they have placed in all the traditional banking institutions.

Ever since the crash of 2008, the business community has become more aware about the fact that the banking community is no longer their go-to option for business finance.
This in turn gave rise to several alternative finances industries such as business cash advances, peer to peer lending and many more.

Start-ups and growing businesses require money for a variety of reasons such as growth and expansion, paying their employees and suppliers, proper functioning of their business activities, etc. Moreover, they require money instantly.

This was precisely the kind of help that RBS was meant to provide the UK SMEs rather than being a department designed purely for gaining profits. As disappointing as it is, the start-ups and small business owners have to now focus and research other funding options and choose an alternative finance options that is most suitable for their business.

For starters, there are various funding options that an alternative lender can offer. Some of these include:
•       Cash flow finance
•       Invoice finance
•       Property finance
•       Overdraft

Along with this, business owners even have to look for an alternative funding source where the treatment, rates, advices and repayment terms are clear, fair and the system they dealing with are transparent.

To give this new emerging industry a boost, it is specially backed by the UK government. Also, to increase trust of the small business owners in the alternative funding, it possesses transparency, responsibility, fairness and security. These are exactly the characteristics and standards a well structured financial institution should be providing its consumers.

No matter what financial crisis you are facing, you can seek advice from these alternative finance firms and much more. We certainly do not force you to seek their help but they are a good alternative for securing funds. If you are uncomfortable and have issues trusting them, there are several other options to secure funds such government grants and small business loans.

However, in the last few years, alternative lenders have become #1 go-to choice for small business owners in need of assistance and financial support. Consider this example of the business cash advance which is also referred to as a merchant cash advance. This type of funding is made available from £500 up to £300,000 and is advanced to the businesses against future credit and debit card turnover.

Once you are definite about the kind of funding suitable for your business, the money that is agreed upon is quick and there is no need to prepare a business plan or provide security over it. The repayments then made on the borrowed amount are a small percentage of daily card payment transactions, rising or falling in line with card turnover.

Thus, the flexibility provided by alternative finance firms is very attractive to start-ups and small business owners. Along with the flexibility, businesses should know that these products are specially designed for their needs and is exactly the kind of service that RBS had promised to provide its customers before mistreating them.

The only difference here is that the alternative lenders have earned the trust of the public and business owners and will continue to maintain that position through transparent and fair behaviour and also by putting these independent business owners’ needs first.

Although, the RBS claims and promises to have adapted a better culture since the crash, it is a long road before the UK SMEs start to trust them again. Meanwhile, we believe that the alternative finance sector is bound to emerge and succeed.

4/05/2018


We all have ideas sometimes. There are few people out there who haven’t at least come up with a Dragon’s Den-worthy creation. Even if you don’t think you have ideas like that, it’s likely you do so without realizing. How many times have you cursed about the fact no one’s invented this or that product? That sounds like an idea to us.

Sadly, few of us ever pluck up the courage to do anything about those lightbulb ideas. In fact, many of us don’t even recognize them when they happen. The ideas come, and they go, and we do nothing to hold onto them. That is, of course, until you stumble upon an idea so good that you can’t ignore it.

You’ll know straight away if this happens. You won’t be able to sleep for thinking about that idea. It’ll be so obviously logical to you, that it will baffle you why nobody else has thought of it before. And, after enough sleepless nights, you may well decide that you have no choice but to see this idea through.

Even if you never thought of yourself as a business person in the past, this could be your chance to change your life. After all, when you’re in control, you have the power to fit work around your life. As such, you can juggle family life and work the way you’ve always wished you could. And, you’ll have the joy of knowing that your creation really is changing other people’s lives.

Of course, we’re getting ahead of ourselves. A lot comes between idea and conception. And, if you stand any chance of making this work, it’s essential you take the following steps to success.

3/23/2018


Image result for swot analysis
No matter what stage you are in, there will always be hundreds of people and authorities ready to evaluate and judge your business. You need a thorough report card of your venture in order to be well-versed with it, and there is no better entity than yourself to make this evaluation.

What Is SWOT Analysis?
SWOT analysis is a wholesome evaluation of your business enterprise. The word SWOT itself stands for Strengths, Weaknesses, Opportunities and Threats respectively.

A complete SWOT analysis of your business would therefore give you a decent overlook of the current position as well as the future aspects of your business.

Though any time is appropriate for your business to go through a SWOT analysis, it is advisable to do one before officially starting your venture. Before you put money in to bring your ideas to life, it is always good to look at your organisation from a neutral perspective.

3/20/2018



If you’re someone that has always wanted to push their income and enjoy a little more freedom when it comes to working, then you may be looking for answers. You head to work and you do your job, but you know it’s not something that you really want to be doing. At the same time, you know that the money you’re making isn’t quite where you want it to be. You’ve heard lots of positive things about being self-employed and making a range of income streams this way. But you know nothing about business, so you’re not really sure how you’re going to go about this. Well, you’re about it. It may seem impossible to start a business when you’re not experienced, but it isn’t. Here are five options that can help to get you started.

3/17/2018

Whilst you might have big dreams for your business and its reputation in the market, the goal of making a profit is the driving force behind any company. You might already have reasonable sales figures, but perhaps you’re looking to expand your empire. You want your small business to grow into a corporation that’s as successful as the big brands in your industry. Here are some business improvements you could make to increase your profits.

3/15/2018


Your will is one of the most important documents that you will need to draft, but it is crucial that you store in a safe place. Writing a Will is a challenging task but making sure that you are keeping it safe where only your executors can find it when they need it should be the priority.

If at all the Will is misplaced or if your executors do not find it after your death, then your wishes may not be followed and the people you wanted to inherit your property will not be able to do so.

Although there is no legal requirement as to where you should register, deposit or store your Will, there are certain places that people have their preference. Be careful where you decide to place your Will, make sure that you inform your executors about it so that they can find it immediately following your death.

When the World Wide Web came into existence, it started as a competitive advantage for every business that made use of it. Eventually it became an essential entity for any successful businesses.

It simply isn't possible for any sort of business to get a competitive edge over others without having an online presence. Fast forward to today, businesses now generate an approximate $2.4 million every minute through e-commerce. A large part of this revenue comes straight from the social media giants with Facebook, Twitter and Pinterest contributing more than $40,000 every minute.

3/10/2018

When you start out with your blog, you may ask yourself - what is a successful blogger? What makes a successful blogger difference from the rest of them? Well, there’s a lot more to blogging than just spewing out elegant prose with just the right comedic value. You must be prepared to think about how to host your blog, how you will lay it out and the design of it, how to manage your social media sharing. You should think about how you will engage with your readers, whether you’ll add a few vlogs alongside your posts. It’s a little bit exhausting, to be honest.
 Image result for blogging
Being a successful blogger is also more than looking to https://www.optimum.com for the best internet service possible. You need not go it alone with your blog, especially when there is plenty of support out there to help you manage it correctly. To be a successful blogger, you need to look at the successes of other bloggers and work out how you can be just as successful as they are. So, with that in mind, here are four things that successful bloggers do that you could learn from:

3/09/2018

Bloggers often have a hard time making ends meet. Many people often say that writing as a career is a ‘feast or famine’ kind of business. This means that you are either going to be doing extremely well or the exact opposite - you might be struggling to get through the month. Fortunately, part of the joy of having such a job is that you have plenty of time spare to try and earn money in other ways - and more often than not, you can approach these money-making tactics without even leaving your home. So without further ado, let’s look at some of the easiest and most effective ways to supplement your blogging income - usually without moving away from your computer.

3/08/2018

Starting your first business is a daunting prospect. Even if it’s something innocent and friendly such as baking cakes for the locals or starting a non-profit organization to help the homeless in your area, there is a lot of responsibility on your shoulders. Coping with this requires mental preparation, it requires you to be diligent and also adventurous. To help you prepare for your first business venture, here is something useful advice to assist you.

Find your motivation

Why do you want to start a business? What’s your motive? What drives you to aim for success? These are the types of questions you should ask yourself before you even consider starting up a company. Finding your source of motivation is an incredibly important step in the process, so don’t neglect or skip it.

Embrace failure

Everyone fails at some point in their life and there’s a very high chance that you will as well when it comes to your business. Perhaps your idea wasn’t as good as you planned, maybe the timing was wrong and the industry doesn’t need your services or products yet or maybe you didn’t care enough about your customer experience. Either way, embrace these failures and learn from them so you can improve in the future.

For further advice, do take a look at these useful life tips from six of the most successful women of our time.

2/02/2018

When customers are browsing your site for products, a massive 75 percent of them will abandon their shopping cart without buying anything even if they’ve shown an interest. It’s the biggest problem that all online stores face and reducing abandonment is the quickest way to increase your revenue. One tactic you can use is sending out emails to remind people that they were browsing and try to convince them to come back and buy stuff. It does work pretty well but the best thing to do is stop it from happening in the first place.
 
Image source: Pixabay


One reason that people abandon carts is that they don’t trust the site. That might be because it looks unprofessional and small details like spelling errors put them off. It could also be because you’re using a payment platform that they don’t recognise so they’re reluctant to put their details in. Those things are easily fixed but if you’re still experiencing problems, it might be because your payment process is difficult and lengthy. Consumers have a short attention span so if they have to spend ten minutes going through multiple pages, they’re likely to leave the site without completing the purchase. If you’re seeing high levels of cart abandonment, here’s how you can make the payment process easier for your customers.