A Blog of a Work from Home Breadwinner. Blogging anything under the sun since college days.

Planning Ahead: Be Financially Savvy For Your Family

When you’re young and have a busy family life; it can be a challenge to think too far into the future and plan ahead. However, the more you put in place now for a comfortable and secure future for you and your family, the better the results will be. Nobody enjoys working out their family finances, but, unfortunately, it’s one of those tasks you can’t escape if you want to ensure a fruitful life. 

Therefore, it’s worth taking some time out of your weekend or during the evening to work out your situation and make sure that you’re doing all you can for every eventuality. The following are some tips and advice for those who are concerned with the maintenance of their income and want to feel protected and happy for the years to come with their loved ones. 

Money For Your Future 

It might be difficult to think about what your situation will be when you become a pensioner and start living through your golden years. But, surely, you want to ensure they’re enjoyable and as comfortable as possible? Therefore, planning your pension and making sure that you’re putting money away every month, regardless of your income, is crucial to a happy and financially healthy future. Savings accounts, pension schemes, and financial advisors are all routes to putting your money away and creating the ideal nest egg, so don’t put it off and you’ll thank yourself in the long run. 


What To Do When Work Forces Your Family Into A Location Move

Sometimes, our jobs take us to unexpected places. When we’re young, this is the most exciting thing about embarking on a career. The world is your oyster, and you can uproot without leaving too much destruction behind. Ahh, to be young again.

But, when you get older, significant changes in your job don’t get your blood pumping in the right way. Instead of seeing a move for your career as exciting, you’ll be bogged down in the logistics. How can you move your family halfway across the world? Do you even want to

The sad fact is, saying no to an opportunity in your career could leave you at a stalemate as far as your company’s concerned. There are laws against sacking someone for refusing a move, but it’ll still be a black mark against your name. Your boss will start to question your commitment, and be hesitant to offer anything else. 

As such, the easiest thing can often be to grin and bear it. This is particularly the case if a pay rise is involved. You want to make the most money possible for your family, right? 

But, to lessen the impact of a long-distance move on your loved ones, it’s worth following these points. 


Do You Really Need To Pay Somebody To Handle Your Social Media Marketing?

Any company that hasn’t got their social media marketing campaigns sorted is going to struggle. It’s central to any marketing strategy so that means no half measures, it needs to be absolutely perfect. You’ve probably seen plenty of social media marketing companies that can do it for you, for a fee, but is it really worth spending this money to do something that you can do for yourself. Whether you do it yourself, or put together an in-house team to deal with it, that’s going to be cheaper than outsourcing, but not always best. So, should you outsource or not? 

Do You Really Know What You’re Doing? 

Most people will immediately say yes to this question. You build a following on your social media and post meaningful content that appeals to your target demographic. But it isn’t that simple. So many people make the mistake of thinking that they know what they’re doing because they’ve got a Facebook account but even if you’re posting well, that will only take you so far. There are so many more aspects of social media marketing that you need to use if you want to be successful. Understanding search engine optimization, for example, is absolutely vital for driving customers to your site. Knowing when to use pay per click adverts and where to place them is another thing you probably don’t know about. Online marketing companies will know all of this, but make sure you’re getting the service you pay for. You can always try to learn these things yourself or hire a new employee that does know what they’re doing, but when you’re just starting a new business it’s just more work on the pile if you’re trying to become a social media marketer as well. 


Love To Cook? How To Launch A Food Truck Business

Inside every single one of us, there is an entrepreneur waiting to get out; it’s just a case of finding what your calling is and the type of business you could launch. Say, for instance, cooking is a passion of yours and is also something that you excel at, perhaps a business related to cooking could be the ideal venture for you? 

Love the concept of starting a food-based business? If the answer is yes, then it could be worth considering launching a food truck business. While a restaurant may be your dream, everyone has to start somewhere, and a food truck is the ideal place to start; it has fantastic business potential and low overheads. What’s not to love? 

Like the idea of launching your own food truck? Then read on for everything that you need to know to launch a successful food truck business

Get inspired 

First things first, it is vital that you take the time to get inspired. When it comes to launching a food truck business, before you can start the planning process, you need to take the time to get inspired. Maybe you already know what kind of food truck you plan on launching, or perhaps you need a little inspiration. For inspiration and ideas, sites like Pinterest can be great. It’s also worth thinking about the types of food that you prefer to cook and are best at cooking, such as a certain type of cuisine, like Mexican or Italian, for instance. 


Unusual Ways to Get Around

Most of you reading this will get around by car, motorcycle or bike, but for many people, that’s just plain boring. There are so many more interesting and unusual ways of getting around that the car is starting to look decidedly dull. Admittedly, many of these rather unique modes of transport aren’t exactly practical or even desirable (for the average person) on a regular basis, but there’s no denying they bring the fun factor… 

The Segway 

We thought that walking was one of the biggest advantages of being humans, but you know what, that doesn’t mean it can’t be improved upon, and some bright spark has done just that by automating the walking process. With the segway, we can now traverse the pavements where transport would once have been forbidden, save our legs from aching and our feet from swelling, and still see all of the sites. 

With a top speed of 12.5 miles per hour, you won’t exactly be living life in the fast lane if you buy a segway, but you will get where you’re going way faster than if you walked! The only real drawback is, that like the Daleks of old you might find stairs to be a bit of a challenge! 

The Trikke Scooter 

If you’re weighing up the moped vs motor scooter debate right now, let me throw a spanner into the works by bringing to your attention the trike scooter. Okay, not really, the Trikke scooter would hardly compete with the power and convenience of those distinctly much more grown up modes of transport, but it would arguably be more fun! 

The Trikke, which can be purchased for just $199 is a hybrid of sorts of a scooter and skate. Unlike traditional scooters, it has two wheels at the back. These can be swung in and out, causing the Trikke to move forward. It’s pretty slow, but it’s also great fun, and you can kind of get a good workout when you ride it too! 


6 Simple Ways To Change Up Your Look

Everyone comes to a point in their life where they look at themselves in the mirror and just want a change. This isn’t to say that you dislike the way you look currently; You’re just used to it, sometimes even bored by it, and want to switch up the way you look. This can just come with time, or sometimes after a big life event. There is nothing wrong with wanting a bit of a change, and if you’re one of the many that do, then perhaps you’ll find one of the simple ways below appropriate. 

1. Switch Up Your Lippy 

When you’re talking to someone, often you are either focusing on the eyes or their mouth, so your mouth is a very important feature of your face. Changing up your lipstick to a brighter and bolder shade is certain to help transform your whole appearance. A classic berry red is not only cool and on-trend, but it also works on almost any complexion. 

2. Take Care Of Your Brows 

When you think Cara Delevingne, do you think of her movie roles, her amazing modeling career, or her eyebrows? My guess: her eyebrows. That’s because they make a statement, so never underestimate the power of a good pair of arches. To ensure your brows are bold and beautiful, fill in any sparse areas of your eyebrow with an eyebrow pencil and use gel to keep tricky hairs in place. 

The Secret Crimes That Everybody Commits Without Realizing

The majority of people like to think they’re upstanding citizens that are always on the right side of the law. When you think of criminals, you think of shady looking people lurking around in dark alleys, committing terrible crimes. You probably don’t think of yourself, or your family, or that old lady that lives next door. But what if I told you that every single one of those people, including you, is a criminal, whether you realize it or not. I’m not suggesting all of your neighbors are sneaking out at night and burgling houses, but they’re probably committing these crimes without even knowing it.

Using Somebody Else’s Wifi 

If somebody leaves their wifi without a password they’re just asking for people to use it aren’t they? It’s not stealing, at worst it’s just borrowing without asking. It can’t be illegal, surely? Actually, it is. In a lot of places, using somebody else's wifi connection without permission is considered a theft. Obviously, you aren’t going to get thrown in jail for doing it and most of the time, people aren’t going to press charges against you, but it is still technically a crime. 


The Inside Scoop: Nine Tips For Retail Business Success

The retail business is full of competitors no matter what your niche or unique selling point is, which is why having a successful retail business can be tricky. But, nothing is impossible, and retail is still one of the fastest growing areas of business to date. A new shop opens all the time, and the excitement and the buzz surrounding that doesn’t go away quickly. But, of course, like any business, you need to apply certain techniques and consider a lot before launching your retail business to guarantee its success. Otherwise, you can fail at the first hurdle. I wanted to share with you the inside scoop on retail business and share with you nine tips for business success. 

Location, Location, Location 

The location of your store is one of the first big decisions you will make, after, of course, deciding what you want to sell or what kind of store you want. So the location needs to be something that is considered and not a decision you rush into. What good will it do you to have amazing products and great staff without having a location where people can get to you or even know you exist? You want footfall and traffic, so a location on the high street or in a shopping mall would be advantageous to your business plan. However, one last point to consider would be to scout for any competitors in the area. You don’t want to be opening a store next to your biggest competitor, and it is worthwhile to stand alone if you can. This website entrepreneur.com has some great tips for choosing a good retail business location. 

Stocking those shelves 

Selecting the merchandise for your store is one of the most exciting things you can do when launching your retail business. However, it can be the most time-consuming and costly parts of the job, so again it certainly isn’t something to be rushed. You need to really consider your market here, and ensure that your merchandise, whatever it may be, matches in with the theme of your store and also runs in line with the other things you are going to stock. You don't want to create a confusing message to your potential customers if on one side you have baby clothes and then on the other you are selling food, just to give you a broad example. You also need to think about how you present the merchandise you have. Perhaps pricing them up with a price gun from Americanpricemark.com or whether you consider pricing them up yourself by hand. Perhaps having them individually priced or even as a collective price in one pile. The choice is yours and often can be dictated by the type of merchandise you are selling. 

It's All About Pet-ertainment

Getting a new pet in the family is always an exciting and nerve-wracking time. You want to make sure you’re settling in your new companion, while at the same time keeping everyone in the house secure in their position – especially if you have existing pets living with you. Getting a new cat is a big decision and the biggest is often whether to have an indoor cat or an outdoor cat.

Cats are the one pet who are often renowned for being able to entertain themselves. Cats are picky about the company they keep and if they want to play with you, they’ll come to you in their own sweet time. Those who are working full-time jobs can often prefer to have a cat than a dog, as dogs often need far more concentrated attention than a cat does. Despite this, it’s always important to provide entertainment for your cat. Indoor cats tend to get bored far faster than an outdoor cat, as they don’t have the same exploring abilities as an outdoor cat does. We’ve put together some of the best pet-ertainment out there so that you can have a blast getting your kitty settled and secure in your home.

  1. Windows. Cats love to look outside, even if they aren’t particularly inclined to get going out there! Setting up a comfy window seat with a view to the world – especially to the trees and birds – is a great way to give your cat something else to look at than the four walls of the home. 

Online Marketing Services: Are You Really Getting What You Pay For?

Online marketing has become crucial in modern businesses for a lot of reasons. Over the years, a lot of agencies, consultants, and management teams have built businesses out of learning the tricks of the trade and helping adapt your brand to the different mediums on the internet. They can be an invaluable ally in helping you learn what’s what and really make the best of a campaign. But there are plenty who will take a business owner’s poor understanding of online marketing to give them the short end of the stick. Here’s how you make sure you’re not on the unlucky hoodwinked many. 

Know precisely what you’re looking for 

Even experts can only do so much without a specific direction to take their expertise in. There are a lot of broad “online marketing agencies”, and many of them can do the job. It’s a good idea to know what exactly you’re looking to get from the online world before you open up negotiations with them. It can help you find which kind of services work best for your strategy, whether you want to improve website visits and grow brand visibility or increase revenue by building leads. 

Know what you’re not looking for, too 

On the other hand, it’s a good idea to know the techniques that just don’t work. Keyword stuffing, as described by http://searchengineland.com/guide/seo/violations-search-engine-spam-penalties is one of the once hugely-popular techniques that has now become kryptonite to good SEO. Other spammy marketing techniques worth avoiding include auto-playing media on websites, a cluttered, hard-to-navigate webpage, unoptimized pop-ups, fake reviews and so on. Think about not only how you want to market, but do a little research on the less effective ways of doing them. That will help you spot the providers looking to make a quick buck for something that sounds impressive but nets you very little long-term return. 

Simple Ways To Make Your Business More Efficient

The key to business success isn’t profit; profit is the consequence of a successful business. If you want to achieve that success in the first place then you need to look to the core operations of your company. You need to be creating an efficient and well-oiled machine that understands just what it takes to reel in sales from an ever-changing target market. Here are some simple ways in which you can make your business more efficient. 

Improving employee productivity 

It’s important to remember that it isn’t a criticism of the skillset your workforce possesses to say that they’re unproductive. You may have hired your employees well and they may be very skilled at their work but numerous factors can lead to them being unproductive. When it comes to the more technical roles involved with your business, it’s important that you supply your team with the right tools, materials, and other resources necessary to ensure that they can do their job to the highest standard possible. You might want to look into model based systems engineering to help engineers within your company to understand the complexities of technology as it improves. If you want your workers to adapt to the changes both inside and outside your business then you need to give them the tools to do so. 


How To Choose A Financing Option Based On How Much Time You Have

When it comes to launching your own business, or starting a new venture for yourself, more often than not, you’re going to need to have some kind of budget to be able to do it. However, in order to be able to get your business off the ground, you also need to be able to consider your financing options. Now, a lot of these are quite standard - from speaking to investors, to putting the money in yourself. However, the important decision isn’t always going to be based on what finances are available to you, but instead, which can be arranged in the time frame that you have. So let’s take a look at your options based on the time that you have. 

1-2 Weeks 

Sometimes, you may find that you only have a few weeks to get things in place. This can often be because you’ve had other options fall through, or you’ve made a decision to get started pretty quickly. When this is the case, it can be hard to find another investor in such a short space of time. However, you can invest in yourself. If you have savings and only a few weeks to get the money you need, you should think about borrowing from your own savings as your financing option. 

2-3 Months 

If you’ve got more than a few weeks, and something more like a few months, then you could definitely think about going down the more traditional loan route. When you speak to a specialist lender, such as personalloan.co, you’ll find that you’re able to arrange financing in the right amount of time. But make sure that you research your options, and find the right amount, terms, and loan agreement for what you need. 


6 Ways Music Calm the Mind

In our stressful, workaday lives, we often turn to music to calm or even distract our minds from the problems and situations that regularly arise. Needless to say, a calm mind is not always one that is quiet and/or reflective—although we all need that feeling from time to time—but sometimes active and engaged, focused on an enjoyable task or experience rather than our everyday stressors. 

Given those parameters, below we have listed and described 6 ways in which music, directly and indirectly, calms the mind and distracts us from the stress and problems that we all occasionally face. 

1. Music Can Help Combat Stress 

After a hectic day in which everything seems to go wrong, music can help combat our pent-up stress and allow us to unwind. In numerous studies and experiments, listening to soothing music, whether classical, soft jazz, or spiritual tunes, among other genres, has been shown to lower the level of the stress hormone cortisol—a hormone that when elevated can also lead to obesity and a slew of other stress-related illnesses. 

2. Music Releases Endorphins that Can Lead to a State of Euphoria 

Have you ever noticed that people just seem to be calmer and happier when listening to their favorite tunes? If so, the release of the brain chemicals known as endorphins may be responsible. When endorphins are released by the brain people tend to feel a sense of euphoria—a pleasant feeling that can certainly melt away the problems of the day. 


To Grow Or Not To Grow: Is Opening A Second Location The Right Move?

Even if it was never your intention to expand when you first went solo, most small business owners eventually find that their ambitions have changed and that expansion is most definitely something they are now interested in. It is only natural. Of course, wanting to grow and achieving this are two entirely different things. But a great place to start is by opening up shop in a second location. To help you do this, we have pulled together some advice that should guide you in the right direction and open your eyes to any hurdles that stand in your way. Just remember, you go this far, so you can definitely take it the next step. 

Your Business Must Be Able To Run Without You 

The idea of opening up in a second location is not going to be feasible if your business cannot succeed without you. If success relies on your presence, then it is worth working out how you can create an autonomous operation first. If your customers don’t insist on doing business with you directly, though, then expansion should remain on the cards. 


Working Hard? How To Stay On The Ball

Sometimes, no matter how hard you try, you just aren't able to focus and stay organized. Whether that be because you have other things going on in your life while working, or you just aren't very good at keeping your concentration - there's no need to worry. Here you can find the best tips and tricks to keep you on the ball at work. 

Make sure your desk is clean 

Messy home, messy mind, right? Well, the same goes for your work environment too. If you sit down at your desk ready to work and there's clutter covering it, how do you expect to have a good day? A clean desk is a happy desk, and the prettier it looks to the eye, the easier it will be to work at. Plus, you'll know where everything is because it's tidy, so you won't have to have that mad 2-minute panic because you can't find a pen and you're supposed to be taking notes from the conversation you're having over the phone! (We've all been there...) Remember that your performance begins in the environment you're in, so if that's not a good one, you just aren't going to be able to perform to the best of your abilities. 


Key Areas for Any Small Business Setup to Invest In

Starting up your own small business can be a pretty intimidating experience. After all, you’re fending for yourself in a huge market that is absolutely saturated with competitors. You need to stand out from the crowd in order to succeed, but how do you go about doing this? Well, the answer to all of your problems is a smart investment. You need to invest your cash flow into the right areas of your company in order to raise brand awareness, show your products and services as preferable to those of your competitors and secure sales. Here are a few key areas that you should focus your time, effort and money on in order to see the most prosperous results possible. 

Product or Service Development 

At the end of the day, the main thing that is going to secure a sale is the quality and innovation of your product or service. You need to ensure that it is superior to anything else on the market to draw customers’ attention to you. So don’t skimp out on product or service development. Take your time and ensure that every single aspect of what you’re selling is spot on. You may need to invest more than you have to ensure this, but not to worry. A signature.loan can provide you with a source of cash that can be paid back in installments at a later date once your product starts to sell and bring in profit. Think of the loan as an investment, opening new doors and opportunities for your company and its success. 

Mastering Corporate Communications

In the world of modern business, communication has become more important than ever. With companies making deals and trading without ever meeting, and big projects being handled over the web, being able to communicate effectively is critical to any business person. Of course, though, the skills required to achieve this can be hard to pick up. A lot of people forget what they learn in school, instead relying on bad habits which they gather over the years. To help you with this, and to get your corporate communications up to the highest level, this post will be going through everything you need to know. 

The Methods 

To start, it’s important to have a good grasp of the modern methods companies use to communicate. A large amount of these tools are computer-based, and some people will have to spend longer learning them than others. Common services for instant messaging are Skype for Business and Google Hangouts, but these tools can also be used to video chats and calls, too. Along with this, a wide-variety of emails clients are used for emails, and some companies will like to use fax machines, as well. This gives you a lot to learn, but it’s only the beginning. 

The Language 

With a good knowledge of the machines and devices you’re going to have to use throughout your career, you can start to think about the way you speak. Language can be a very difficult thing. The words you use and the way that you say them will impact what people get from your communications, especially when using a written method. An expert like AJ Hoge can help you to learn how to use words effectively, with power and precision. Of course, though, you will also have to do some of the work yourself. 

Could Real Estate Provide A Nest-Egg For Your Children?

All parents go above and beyond to ensure the stability of their children's financial futures. Many start thinking about it the moment their little ones are on the way. They put money in high-interest savings and invest in bonds. Even those who aren’t so fast to save do what they can to provide. They work extra hours and go without so their kids don’t have to.

But, with prices ever on the increase, those savings may not be enough to see them through. Now, it’s necessary to look at more extreme forms of saving.Of course, there are a few different routes to go down. Some people opt to invest in stocks and shares, while others buy businesses to hand down. 

But, if you want to keep things on familiar footing, it might be worth considering real estate. You already own a family home, so you know how to buy houses. If you have the money behind you, why not use your knowledge to invest? Of course, even if you know how to purchase a home, real estate investment can seem daunting. Which is why we’re going to break down your options. 

Buy to sell 

If you want to keep things simple, you could buy property and sell it. As well as providing a chance to increase your money, this could lead to a business exploit. Thus, there’s double the nest egg potential.

To ensure you buy and sell effectively, study the market. To find real success, you’ll need to reach a point where you can spot areas with potential. Investing while properties are cheap is the best way to make a profit. Bear in mind that this can easily become a full-time pursuit. It may take you away from your family. Remember that a large nest egg won’t buy back their affections if you’re never around! 


Travelling With A Mortgage? It’s Doable!

Do you want to get away and see the world? Are you desperate for sun, sea, sand, and adventure? Lots of homeowners are, yet are tied into a mortgage. Damn you, responsibilities! The idea of going abroad while you have a loan to pay off isn’t appealing whatsoever. So, the majority of homeowners who are in the red put it off until they are older and mortgage-free. But, this isn’t the only option. If you’re looking to get away ASAP, there are ways to see the world and cover the costs of owning a house. To find out more, take a look at the following. 

Home Equity Loan 

One way to cover the costs while you are away is with a loan. Of course, not every agreement with a bank is suitable due to the differing terms. Usually, though, a line of equity credit is a viable option. The way it works is that the homeowner uses the positive equity in the house to pay back the mortgage. Although it results in more debt, there are benefits. Experts like homeequitylineof.credit point out that the repayments are small if you choose correctly. Also, it’s a good debt to have because the equity might increase again. More importantly, it’s a quick and significant sum of money. 

Roger The Lodger 

If the idea of getting into debt doesn’t appeal, there are alternatives. The best one is to find a person to rent the house while you are away. Then, their rent will cover the cost of the mortgage and there is no reason to fall behind. Plus, they can cover the overhead expenses as they are the ones living in the house. Yes, you might have to pay tax, but it won’t be a significant amount. Just be wary of the applicants. No one wants to go away and come back to a squat. 


Emergency Financial Backup Plans That Business Owners Can Turn To

The world of business is never steady, but that’s what is so exciting about it. You take the good with the bad and sometimes you have to take hits in order for you to persevere and keep charging forward. This doesn’t mean that you should be unprepared for unforeseen expenses or potential losses. Every business owner should have the mindset of preparing for the worst. Nothing solves a problem better than money because as we all know, money makes the world go round. One must have a resource of money ready to be quickly utilized at the drop of a hat when you’re running a business. Financial backup plans should be in place for any hiccups are or negative spikes in profit and sales.

Emergency investor fund 

Having an investor on board with your business is something you should be really thankful for. Another person has put their money where your mouth is and has decided to fund your dreams. However, in reality, both parties know what kind of risk the other is taking. Before you sign an agreement with the investor, make sure you have a clause that demand they have emergency funds at the ready. You’ll have to agree to a set amount, which could be a couple thousand or perhaps in the six-figure range. If a global recession sparks, you need this extra funding to keep your head above the water. 

Legal Ways To Make Your Look Car Better Than The Rest

So you’ve bought a car off the lot, and it really doesn’t look a lot. It’s a base color, and it’s a standard model. It doesn’t really do a lot for your style or appearance. But hey, it’s safe and economical. OK, none of that matters when you want to make a statement! If you want your motor to impress, then don’t panic. There are plenty of upgrades and alterations you can make to even the most boring of compacts. Try some of these tips to improve the look of your new wheels: 

Wash, Wax, Protect 

If you bought a brand new car, then the body work has already had a polish. But even factory fresh models will need a bit of work to keep that body in good shape. Valeting is essential if you want the paint to stay pristine. And if you’re changing the paint job, then these tips are essential. 

Pick a wash or shampoo product that is designed for the job. Standard detergent will destroy your paint work! It needs to be pretty powerful though to cut through the muck and debris that cars collect when they’re outside the garage. Take your time to cut into the trims, arches, and the inside facing door frame. If you take care of the paint, none of the metal in your motor should be exposed. Exposure can lead to degradation and even rust. 

The wax brings out the shine, and it also provides a protective layer or barrier to prevent hard buildups of dirt. When you consider how many exhaust pipes are chugging out muck when you’re stuck in traffic, it’s easy to see how cars get so dirty so quickly. If you buy a good product, there is no need to double coat. 

Tires And Trims 

If you’ve bought a good car with good tires, it’s important you look after them. Tires can be painted to bring back that absolute black we all love. Trims and alloys are easily scuffed on the road. They can be replaced, but it is usually cheaper to use a special cutting paint that will mask the damage. Some people even use sticky plastic covers to protect their trims as these are a little more hard wearing. 

You might not be able to afford the fastest car in the world, but you can still reach serious speeds with the smallest of motors. Your tires need to be appropriate for the vehicle and in good condition to be able to stop you safely in an emergency. In most places, good tires are a legal requirement, so check yours monthly for pressure and tread. 

Business Success Rests on People, So How Well Do You Know Them?

Many new entrepreneurs have a shaky understanding of what exactly business success entails. It’s not the strength of their idea, or how many hours they’re willing to commit to building their empire. No, business success rests on only one thing: how much it’s valued by other people. If you don’t understand people, then there is no business. Squirrels and rabbits won’t be spending their money on your business; people will! Below, we take at look five human desires that you can incorporate into your company. 

Quality, Not Speed 

In this ever-changing world, speed is important. It is not, however, the most important thing; in fact, speed is just a bonus. Take Amazon. They do indeed excel at getting their goods to their customers in an impressively fast time, but that’s not why people use the website. They do it because the all around service and experience is second to none. When you’re figuring out what your USP will be, avoid making it the speed in which you can provide your product or service. It’ll count for nothing if the thing you’re providing isn’t of the highest quality. 

They Want Real People 

Self-checkout tills in supermarkets and other such things may suggest that people don’t want to interact with other humans, but that’s not the case. It’s not true when it comes to brick and mortar stores, and it’s especially untrue when it comes to online or over the telephone. People want to be able to chat with a real person, not an automated voice message or impersonal contact form. If you currently have a phone system that doesn’t feature real people, look at switching to a service like virtualheadquarters.com; you’ll soon notice that more people are staying on the line to leave a message. On your website, consider adding a ‘chat with us live’ feature. People will be more likely to ask a simple question on a chat (that might lead to a sale) than they would send an email. 


How To Ensure Your Supply Company Is At The Top Of Its Game

Being head honcho of a supply company can come with a lot of stress and pressure, especially if orders aren’t delivered on time or go missing. If anything goes wrong your business, new or old will be at stake. This is your ultimate guide on ensuring your supplying company is at the top of its game.


Making sure that your customers can easily order the items that they want shouldn’t be a difficult task. You could create a catalogue of all of your supplies for people to look at, either online or on paper. 

Having phone lines open at all times when you’re open for business is key to generating as many sales as possible. Make sure you hire and train some people to deal with these calls and take the orders down efficiently and professionally. 

In this day and age, everything is online. Consider creating a website where you could display what your company is about, the items that you’re selling along with prices, and also your contact information. 

Keep an eye on competitor prices to make sure that you’re offering the best price for your customers, and to prevent them from switching suppliers. 


Method In The Fashion Madness: Make Any Outfit Look Classy

Wouldn’t it be fabulous if a money tree did exist, enabling you to buy any outfit you wanted, no matter the price tag? While it’s okay to dream about these things, the reality is that many of us need to budget for clothes and work with what we have. So how can an outfit look “put together” without needing to fork out the serve price tags? It’s easy, there are certain steps you can take, methods you can put in place, and things that you can do to help you make any outfit look classy. I thought I would share with you what some of them are. Hopefully helping you out with your fashion dramas. 

Keep it clean and ironed 

It may sound so very basic, but how many of your hands on heart avoid ironing your clothing? Unless you really have to. The truth is the day of doing all of your washing and ironing on the same day for the week ahead has gone, and we are now in the culture of iron as we go or not even at all. But the difference a clean and fresh steam can do to a garment is amazing. It sits better on your figure, and it instantly looks “put together” and classy. Why not try and get into the habit of ironing clothes more regularly. Once you feel the difference and see it in the outfit, you won’t want to give up this new habit, that is for sure. 

Add some jewelry into the mix 

Sometimes all it takes is the right accessories to really lift an outfit and make them look and feel completely different. One of those things is the addition of jewelry. Statement pieces can really transform the way a dress or top looks, for example, a necklace or a statement pair of earrings can really add huge value to your complete outfit. Making it appear expensive, and more sophisticated. 

Consider a capsule wardrobe 

Changing the seasons with your clothing can be quite a costly thing to do. So many people consider something like a capsule wardrobe that can see them through the changes of seasons with just the addition of a few different pieces here and there. For example, a dress can see you through the summer and the winter with the change of how you wear it. For example, adding tights and ankle boots in the winter and wearing with sandals in the summer. You can find a dress online easily enough, and they can be quite versatile if you pick the right one. The same can be said for other things like tops and jeans. The secret to a capsule wardrobe is to be able to mix and match and layer up and down, depending on the weather. 


These Tools Will Help You Build Wealth (Especially Number 2)

The technological revolution over the last couple of decades hasn’t just affected the way we entertain ourselves: it also had a profound impact on the way we approach building our wealth says wiley.com

Whereas in the past, building wealth was a difficult task, requiring a great deal of knowledge of the technicalities of finance, tech has made the whole process a lot simpler. Thanks to the proliferation of digital technology into every facet of our lives, managing our finances is easier and more straightforward than ever before. Here are some tools you should be using right now. 

Tip #1: Robo Advisors 

Financial advisors were often used by the rich and powerful to advise them on how to save and invest their massive fortunes. In short, it was a service for the wealthy, and not for everybody else. But technology has been a democratizing force: practically every service once offered by a financial advisor is no available for free with robo advisors. These advisors can do things like automatically rebalance one’s portfolio, allowing people to build wealth over the long haul. 

The great thing about these robots is that they don't care how much money you actually have in the bank. They’ll work just as hard looking after your $100 portfolio as they will your $1,000,000 portfolio. Granted, high-quality robot services will charge feeds, but compared to what you would have paid in the past for the same level of human assistance, it’s still small. 


Three Reasons Why It's Time To Get Serious About Your Financial Future!

One of the things that sets the current generation apart from ones that have come before it is that the vast majority of young adults in the modern era are living hand to mouth. Rather than being able to put money aside and save it the way that their parent's generation did, most millennials are stuck in a position where their money is going into their bank account and out again almost immediately. Of course, that's not the way things have to be. Sure, maintaining some kind of financial stability is harder than it once was but you still have some control over it. Here are a few reasons why you need to get serious about your financial future. 

If you don't things could get worse 

One of the biggest mistakes that a lot of people make is that they tend to look at their finances very much in the short term. Their main concern is getting through each day with enough money in the bank. However, one of the main issues with doing this is that, if you don't focus on your finances in the future, you could end up getting stuck in a pretty nasty situation. Things like credit card debt might not seem like a big deal when you're buying things on finance, but in a few years time, that debt is going to start adding up. If you're dealing with debt, it's better to sort it out now than to leave it until later. One of the best things that you can do is to go to a site like consolidate.loan and take out a single loan that covers all of your debt. That way you reduce the number of creditors that you owe money too as well as reducing the amount that you have to pay back each month. 


Is It Really Easy To Turn A Blog Into A Business?

In short, yes it is. Because everything becomes easy when you put your mind to it. You just need to be able to learn the tricks and tips that can turn luck into success. You may have started your blog as a hobby or as a creative outlet to pass the time, but there’s no reason why it couldn’t become a legitimate business. And although you need to put the time, attention and effort in, it doesn’t have to be rocket science. Instead, you just need to be able to work with the right tools to make it happen. So, let’s take a look at what you could do. 

Know What Options You Have 

To turn your blog into a business, there’s one key area that you need to nail; monetization. Because if you’re going to ensure that it’s a bonafide business, it has to make money. And right now, especially if you’re new to all of this, you will need to figure out how you’re going to do that. And just like there are different income sources in life, there are different monetization options in blogging. So read up on what you could work with, and see which options will be right for your business. 


Practical Guidelines For Securing Your Child's Financial Future

Ask any American parent about the most important thing in their life, and they will all give you the same reply - their kids. However, ask the same people about the steps they are taking to give their children a stable financial future, and the chances are that only a minority will be taking action. It’s a sad state of affairs, to be honest, but one that is easily solved. If you want your children to grow up with no concerns about finances, read on - these practical tips will help you secure their future. 

Teach them about finances 

First of all, the best thing you can give your kids is a sound education in personal finances. Sadly, they won’t learn about this stuff in school, so your children are wholly reliant on you and your partner to teach them everything you know. According to yourmoney.com, there are many different ways of teaching your offspring about finances, and you can start at a surprisingly early age. Everyday experiences such as your weekly shopping trip, or putting away a small percentage of their pocket money can help you get started. 

Provide the best education possible 

Let’s not beat around the bush - college fees are expensive. And unless your kids are lucky enough to win scholarships, you are going to have to foot that bill if you want them to be university educated. So, consider setting up a college fund, which you contribute towards every month for their entire lives. By the time they hit their college years, you will be able to give them money to cover tuition, coursebooks, and even a little contribution to rent and living expenses. 


Things To Know About Clearing Your Debt

If you’ve decided to pay off your debts, then you’re already making a positive change that will change your life and put secure a better financial future. Putting a plan in place is a wise move to help you reach your target. There are some things that could help you pay off your debts quicker and in a more manageable way. Read the advice below to learn more about clearing your debts. 

Start with the highest interest rate 

After making a list of all your debts and balances, you should rank them by the highest interest rate. Rather than spreading your payments over your various credit sources and taking longer to pay them off, start with the highest interest rate to clear your overall debt quicker. Make sure to pay the minimums on your other balances to avoid late payment fees and increases in your interest rate. 

A debt management plan could help you manage your repayments 

If you’re struggling to pay off your debts, or your repayments are causing you to struggle with your other outgoings, you should consider getting a debt management plan from a trusted debt relief source. You can find more information about debt management plans from Debtrelief.xyz, who can offer you some advice on how to cut your debts in a way that suits your circumstances. You may be able to form agreements with your lenders to reduce the interest or freeze payments for a short period while you get back on track. 


Buying A Business - What You Need To Know

Starting a business is hard. Perhaps it is made harder by the fact there is so much competition out there. More people are trying their hand at entrepreneurship these days. The internet certainly makes it possible. But it means that there are a large number of people clamoring to make their business viable in the same way. Why not buy a business that is already established? You’ll be walking into a company with a history of success and the goodwill of a customer base thrown in. Be wary though - make sure you’ve done your homework: 


Many businesses that come up for sale in the local area are up for grabs because the owner wants to retire. That means, for whatever reason, the family of that owner doesn't want the business. Why? That’s for you to find out. Potentially, the owner or their family are taking the customers to a new business for a fresh start without the hassle of the work! Make sure you genuinely have the customer base and a no competition clause in your contract. 


If the business has been around for a while, you may have a lot of legacy documents to get through. This is the last thing you want to be spending time on when you’re trying to relaunch a business as your own. It might be a good idea to find document storage services in your area that can index the files for you. This will help you identify what you have, and give you the means to access it quickly and effectively if you need to. 


Investing In Insurance: Which Policies Should You Prioritize?

To some people, the expense can be one of the most frustrating of all, while to others, investing in insurance is a necessary expense that they couldn’t be without. Regardless of the camp you’re in; you will have to admit, that there is a range of insurances that you have to take out in life - whether you want to in life. But how are you able to work out which ones you need the most? Because sometimes, having emergency savings just isn’t enough, you need to have to have a fallback protection policy in place too. So let’s consider some of the policies that you could prioritize. 


The first insurance policy is likely to be one that you already own, but that doesn’t mean we can skim over it. Because owning the right level of health insurance is super important. Should you need medical attention or assistance at any point in life, you need to ensure that you have the right cover. If you’re unable to get treatment because you scrimped on the policy, you may regret it. So make sure you shop around to find the right policy for your needs, rather than just the cheapest options available to you. 


Coming in a close second is the insurance that you need for your car. Cars are often one of the biggest expenses that we have in life, so it’s important to be able to keep yours protected. Should you get into an accident, or have a break-in, you will want to ensure that you have the right cover. But make sure you shop around on a site such as cheapautoinsurance.co so that you can get the best deal. Because you don’t want to pay over the odds if you don’t have to. 


Stuff You Never Knew You Could Do On Steam

Steam is the world’s most popular gaming platform. But despite its ubiquity, only a small subset of people actually know how to use it properly. And that’s a shame because Steam offers a level of functionality that you never even dreamed of. Here’s what you can do with it. 

Manage Your Games In Bulk 

If you’re anything like most Steam users, you’ve probably got hundreds of games on your account. This is especially true for gamers out there who have been lured in by a legendary Steam sale. It’s easy to pick up a dozen games or more in a single value bundle. 

But there’s a downside to all this abundance: managing your games. Most of us in the gaming community have pretty large hard drives, but no so big that we can store all of our games on a single disk. Sometimes, games that we don’t play need to be uninstalled. 

Clicking on all the games, you want to get rid of individually can be a chore. So Steam decided to implement a feature that allows gamers to get around that. All you need to do is hold control while you’re in the app, and the program will select multiple games for you. Then you can tell Steam what to do with your selection, including installing or uninstalling them. 


Top 5 Reasons For Having Emergency Savings

Almost everyone plans correctly for the worst, but there are those out there that don’t squirrel cash away every month for the sole purpose of saving money. This isn’t usually due to ignorance about emergencies, but purely because there just isn’t enough surplus cash every month to warrant getting any put away in the bank.

Having an emergency savings account when you are a family is an absolute must. An emergency fund is best referred to as a stash to cover those horrible moments that life throws at you. Expecting the unexpected is a must in the world we live in now, with the financial markets being unstable and job losses at an all-time high! Stress is something you have to cope with when the unexpected happens, but if you can avoid the stress altogether, you would, wouldn’t you? We’ve put together five of the best reasons for having an emergency savings account, so take note all you out there who as yet have no money put aside for the worst!

  1. Job Loss. There’s nothing more stressful than losing a job when it’s the sole source of income that you rely on. It’s recommended that you have between three and six months of expenses tucked away in the event that the company that you work for goes bust. This can give you a cushion for your expenses while you search for more work. Without it? You’ll likely have to take the first job that comes along. 

  2. Car Repairs. Cars are expensive to own, even beyond the initial outlay of buying. You have to consider that at any moment, you could be taking your car for repairs if something goes bang. Looking up how much it should cost with www.autoco.com.au/scratch-repairs-canberra/ can help you effectively plan your car fund. It’s not nice to have your method of freedom taken away, so make sure you can fix things fast. 

Being Smart With Your Funds

Many people experience money troubles at some point during their lives. Perhaps you’ve been a little careless with your spending in the past or perhaps the bills have started to pile up and you’re struggling to keep on top of them. Some jobs do pay better than others, but if you’re smart with your spending and saving then there’s always a way to stretch your funds to ensure that you have a high quality standard of living. Here are some tips and pieces of advice which might just help you towards being smarter with your funds today and into the future. 

Plan out your spending 

The first step towards being smarter with your spending is to make a plan of action. You need to learn how to budget if you want to become better at managing your many monthly bills and payments. Things such as rent payments, the food shop, refueling your car, and electricity are all necessities. There are ways to save money in these areas, as we’ll discuss later, but they’re things you need to survive or, at least, live well in this modern world. You need to learn to keep track of them and see how you’re doing in terms of money afterwards. 

The reason you need to become better at budgeting and knowing how much you spend on necessities each month is so that you know how much of your income remains for luxuries, treats, and other non-essentials. You need to know your limits in terms of disposable income so that you don’t spend beyond your means and end up having to borrow money; that’s the path to debt if you’re not careful.