Personal Finance

“Keeping It Simple” – Why this should be every Business Owner’s Mantra in Life

Running a business can get really complicated. Between trying to get your products and services positioned properly in the marketplace, hiring the right employees to create and execute initiatives, managing your brand, and staying on top of the fast changing needs of customers, business owners can quickly get overwhelmed and lose focus as to what is important and how to prioritise. But to have a successful business you must keep your focus on a few key things, and always keep things simple. Keeping things simple lowers stress and helps to keep you and your employees in good health. Here are two of the really important simple areas to focus on, for the continuing success of your business. Maintain Access to Funding Sources Many businesses get started and fizzle out or have their growth stunted simply because they do not have access to capital needed to take advantage of business opportunities.…

“Don’t Keep Up with the Joneses”: Your Best Way to Beat Financial Rot

Keeping up with the Joneses usually means that you are spending way too much money on things you cannot afford. This ultimately leads to only one place – financial rot. Although it feels good to make big purchases on new and shiny things, the bills that follow these purchases are no fun at all. On that note, here is a better plan for you to follow. One that will keep you in the good graces of the credit reporting agencies and lenders. Make a Savings Plan One of the best ways to beat financial rot is to make a savings plan and stick with it. I can hear the groans already coming from you, but these days it is a lot easier than you might think. Innovative banks provide tools to help you calculate how much you can save, and then they provide easy ways for you to do it.…

Best Options Trading

When it comes to the world of financial trading, there are a ton of options. Options trading is something not many people know about. It is a bit different from your standard stock trading, options trading is a great place to start because it is a versatile market with a bit of flexibility. I’m going to break it down for you now. What is Options Trading? Options aren’t stocks, they are contracts. When it comes to options trading there are two main contracts to choose from. They are put options and call options. A call option is a contract that gives you the right to purchase, while put option contracts get you the set price to sell. Options differ from traditional stock trading as you’re not paying for shares. In options, you are paying for the right to buy or sell shares. They are contracts at a set price for…

How to design a wedding menu that caters for everyone?

Deciding on the food you’ll serve on your big day is one of the most exciting parts of planning a wedding, with a wide array of caterers to visit and taste tests to look forward to. However, while the occasion is all about you and your other half, your guests are still a vital part of the equation. And in an age where there seems to be more dietary considerations than ever to take into account, you can’t simply assume that everybody’s requirements will overlap. With nutritional requirements, allergies and religious backgrounds to take into account, the fun of choosing your cuisine may turn out to be a lot more complicated than you expected. But when you consider that each person has taken time out of their life to celebrate your nuptials, so the least you can do is give them a delicious dinner for their troubles. Rule number one…

5 Things You Need To Know Before Taking a Mortgage

Taking a mortgage is one of the most important financial steps in anyone’s life. And regardless of whether you are doing this as an investment or if you actually want to live in the house you finance with your mortgage, you will definitely want to be really well informed before you seal the deal. What are some of the most important things you need to know before taking a mortgage? Read here and find out more. Not all loans are created alike …and you really need to know the differences between the different types of mortgages available out there. Otherwise, you might end up with a very long-term loan that doesn’t satisfy your needs and expectations – and that’s the last thing you want to cling on to for the next decades or so. You do need good credit score Depending on each lender’s policy, you may be able to…

How I finally fixed my finances- and how you can too!

Are you feeling like you’ll never get financially sorted? Maybe you thought you’d finally ‘have it all together by this age’ or you simply can’t seem to get ahead, even though you feel like you’re relatively good with money. Don’t worry- I feel you. After years of living in developing countries where I could live like a queen on very little income, moving back was a shock to my system. It also meant that I needed to get real about my finances. Here are a few ways I did it: Creating a budget I know, this doesn’t sound fun, but it really is crucial. That’s because a budget will allow you to still have fun, while also managing your money. Basically, take a look at all your outgoings, and the things that you absolutely need to pay for. Then, look at how much you have left and divide it up…

Secrets of a Digital Nomad: Travel the World While Working

If you’ve dreamed about leaving your traditional 9-5 job and having the opportunity to travel while you work, you’re the perfect candidate to become a digital nomad. We know, it sounds a little too good to be true…but trust us, it’s definitely worth a try and it’s 100% possible (granted that you have internet and a working laptop). What exactly or who exactly is a digital nomad? A digital nomad is someone who works remotely while traveling the world (hence the nomad part). Digital nomads tend to move around from town to town, city to city, country to country, continent to continent. And though many people often picture the perfect digital nomad lifestyle as working from the beach, that’s not truly accurate. Have you ever tried using your phone, tablet, or laptop outside on a really sunny day? It’s not really conducive to productivity. This, however, doesn’t mean that digital…

Why Providing an Educational Experience Is A Good Marketing Tactic

When it comes to email marketing, there are certain aspects that you need to take into consideration in order to make sure that the campaign and the emails themselves are of the highest standard. You will have to decide between a responsive or a non-responsive email design. Email standards are constantly changing, which means that having the right design ends up playing a big role as far as reaching out to a prospect goes. In order to know which side to pick, you need to have a good understanding of what responsive and non-responsive emails imply. A non-responsive email is a “one size fits all” type, which is built from a template. In the opposite corner, a responsive email is built in such a manner that it will automatically adjust in order to fit the margins of the device that you’re seeing it on – whether it’s a desktop computer,…

Everything You Need To Start Selling From Scratch

Starting a business can be a risky venture. For many entrepreneurs, starting something scratch is not a problem and is second nature. But for others who may be coming out of a corporate environment where systems and processes have been in place for ages, it can be difficult to know how to even get going. Sales is one of the first functions that a new business has to figure out. How do you get customers? How do you build a system and processes that will churn out new customers in a repeatable and scalable way? Here is everything you need to think through as a new business owner to start a sales organization from scratch. Identify Target Market You’ve probably already thought through your product or service. You may even have an idea of who the general target market is. But for you to start hitting the pavement with sales,…

7 Ways to Advertise Your Online Shop for Free

Costly marketing strategies and high-budget spending – that is what many people think when advertising is mentioned. Being the proud owner of an online shop, advertising in the digital space is vital to your growth and survival. However, many other online businesses are targeting the same consumer base as you, and it can be hard to remain competitive in the advertising arena on a limited budget. The good news is that you don’t need an unlimited marketing budget to get a competitive edge when it comes to advertising. There are ways to do it all for free and generate leads with a high potential to be converted into loyal customers. Wondering how you can advertise your online shop for free? Here are seven ways to do it. 1. Social Media Marketing Social media has emerged as one of the biggest game changers when it comes to brand recognition and building…

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