Category Archive : Business

How a Personal Branding Plan Benefits Your Business Brand
You don’t get a second chance to make a first impression.

Truer words have never been spoken, and they apply to both you and your business.

If you own a store, for example, you know that if someone has a negative interaction the first time they visit, they’ll leave immediately and probably never come back. They might even tell some friends.

But if they have the time of their life on their first visit to your store, you have a loyal customer for life. And again, they might even tell some friends.

But what if you’re someone who works with clients? Someone hoping to be a leader, a speaker, an author, an entertainer, a consultant?

Perhaps you’ve done the hard work of building your business brand, with a professional logo and website to match.

But your trademark is only half the battle. Because if you want to stand out and reach your ideal customers, you need to put the same effort into understanding, developing, and maintaining your personal brand.

While personal branding is critical for all entrepreneurs of all genders, the reality is that women are often conditioned to be meek and mild-mannered. So while anyone can benefit from the advice I’m about to share, I highly recommend that women, in particular, listen (so they can have the confidence to speak up and stand out!).

Why do you need a personal brand strategy?
Women often ask me, ‘how does a personal brand help my business?’

Branding takes work and effort, and business leaders are attuned to ROI. Therefore, they often want to know how personal branding can benefit their business, before they go to any lengths.

In short, your personal brand is a representation of your business and people will judge you accordingly.

The reality is that people judge a book by its cover.

So creating a brand is like the cover of your business. You want that cover to not only stand out, but also be a true reflection of who you are and what your business is about.

And whether intuitively or directly, most people believe that the way you do one thing is the way you do everything. If your personal brand is messy, lazy, or non-existent, that will reflect on your business whether you want it to or not.

On the other hand, when you align your personal brand with your business brand, you’re much more likely to not only connect with the right people, but also turn them into enthusiastic fans.

So that’s the ‘why’ of developing a personal branding strategy. To learn more about how personal branding fits with professional branding on our website.

Now let’s get into the ‘how’.

Create a personal brand
If every journey begins with a single step, then the first step in this journey is to embrace your personal brand.

That means having confidence in who you are. This demands authenticity. Honesty is important above everything else in branding: being genuine builds trust, and trust builds customers.
This can be difficult for women who are often raised to be people pleasers and do everything for everyone.

This is why you need to keep your target audience in mind.

When building your brand you need to define your ideal client.

And then realize that only your ideal client matters.

You don’t have to like everyone, and that’s okay. Remember that people who don’t buy into your brand are likely to never become customers anyway.

So be confident in who you are. It belongs to me! Own your personality and don’t be afraid to share it with the world. Accept what makes you unique and share it with the world.

READ: 8 personal branding mistakes that are hurting your business
Personal branding mistakes can turn off customers. But how do you avoid them so as not to damage your business?

These are the biggest personal branding mistakes to avoid.

Read more online.

Examples of building your brand and building your business
In my role, I wear many hats. Our Canada-based agency provides almost every service you may need for digital marketing: Logo & Graphic Design, Custom Website Design & Development, SEO & SEM Marketing, Social Media Marketing, Content Writing, Copywriting , newsletters and strategic consulting.

And while I love all of my hats, I think what I love most is working one-on-one with small business owners and entrepreneurs to help them define their personal and professional brands and use them effectively.

It’s so powerful to help women have their ‘aha’ moment of being crystal clear about who they are and what they have to offer.

For example, our good friend and client (now retired) Dana Smithers is a woman who lives, eats and breathes her personal brand. Always the ‘lady in red’, Dana is a shining example of integrating her personal brand with her business brand and her whole life.

Our client Katherine Hartvickson of Quantum Ascendance is another shining example of building strong and consistent personal and professional brands.

Katherine is a high-performance leadership and human resources consultant, as well as a speaker and best-selling author.

It’s also a powerful personal brand, infusing professionalism and grace into everything you do. This includes regular insightful blog posts and a long-standing social media presence that establishes her as a go-to expert.

And as we’ve covered, it’s important to fully accept who you are.

For example, our client Yvonne Douma is not afraid to show her playful side! While her company Douma Leadership offers serious services to entrepreneurs looking to improve her communication skills, Yvonne brings an infectious joy to her work that her clients love.

So instead of forcing herself into the ‘shady businesswoman’ role, Yvonne embraces who she is, with a social media presence that reflects the fun and family person she is.

Don’t get us wrong: Yvonne is a super serious businesswoman and consummate professional who also shares incredibly insightful tips and strategies for establishing yourself as an expert in your field (for example, check out our communication skills talk on our website).

But that doesn’t mean she should shoe her personal brand on something that just isn’t her.

Branding advice for women in business
So once you have some clarity on your personal brand, what’s next?

Here are some tried and tested ways to build your personal brand:

Optimize social networks
The best way to use social media effectively in your marketing is to be consistent and create authentic engagement.

Social networks are not a tool to sell your business. Instead, it offers a wonderful opportunity to share your personal brand. Keep your social media presence consistent to build and enhance your personal brand awareness and develop a “know, like and trust” factor with your followers.

Learn some more tips on how to create an effective social media strategy with us online.

Develop a suitable content strategy
A good content strategy is important for many reasons, one of which is establishing your personal and professional brand. We’re all familiar with the phrase “content is king,” so it should come as no surprise that well-written content is one of the most important elements of your website and marketing materials.

Now the right content strategy will look different for different companies. May include:

  • Website content
  • Webinar/Teleseminar Registration Pages
  • Pages for the sale of products and services.
  • Blog and newsletter articles
  • Email Marketing / Newsletters
  • Social Media Posts
  • Press releases
  • Print marketing materials

Ultimately, the goal of all content should be to showcase your brand, attract more customers, get conversions, and ultimately increase business.

If you’re new to content marketing, we’ve got some great resources to help you get started:

  • How to Create Blog Content to Engage Your Target Audience
  • How to convert newsletter signups into customers without feeling sleazy
  • How to engage and inspire with interactive content marketing

Accept praise gracefully

This is a personal fault of mine, and I suspect it’s something a lot of women struggle with. Sometimes it’s hard to respond to a compliment, but I recommend that you take a moment and accept it. Part of owning who you are is being grateful when people recognize you.

So instead of cringing and deflecting compliments, accept compliments gracefully.

And don’t walk away from your achievements either! It’s not bragging if you just list your accomplishments and let them stand on their own.

Find your community
Surround yourself with your target market. That way, you’re more likely to spend time with people who are likely to respond to your personal brand.

Not everyone appeals to everyone, so put yourself in places where your ideal clients will be present. Mixing water with oil will only cause you unnecessary trouble.

By putting yourself in the right spot and letting yourself shine with a strong personal brand, you will lead to your ideal clients. Otherwise, trying to be all things to all people only leads to obstacles that are best avoided.

You can connect with your community at networking and community events, and never underestimate the importance of a great Facebook group!

Work with a trademark expert
If you are an entrepreneur, I have no doubt that you are good at what you do. But what you do may not be branding and marketing.

Remember, personal and professional branding takes a lot of time and effort. It can also be a bit intimidating.

You’d outsource your bookkeeping if the numbers make you cross-eyed, and you’d outsource your building management if you were overwhelmed with time. Likewise, it’s often a great idea to outsource your branding and marketing if you feel like you’re in over your head, or if you just don’t have the time to devote to this important work.

That’s where our team can help, with consulting and branding strategies to help you get to the next level. I can’t wait to learn more about your business goals!

For the success of your business,


The 4Cs of Diamond Quality

When shopping for a diamond, you must consider the four Cs: cut, color, clarity, and carat weight. These four characteristics work together to determine the beauty and value of a diamond. An ill-cut diamond will look glassy and dull, while a well-cut diamond will sparkle brilliantly.

The cut of a diamond is the most important of the 4 c’s of diamonds. The cut is the aspect of a diamond that allows light to enter it. The color is the second most important factor. Generally, diamonds are graded by color on a D-Z scale, and it’s important to know that the color of a diamond should match what you see with your naked eye.

Diamond prices continue to rise and some diamonds can exceed the price of a small car or a house. In order to ensure that buyers get a high-quality diamond, the Gemological Institute of America (GIA) developed a standard grading system in 1953. This system became the industry standard and a universal language for diamonds. In 1955, the GIA began awarding certificates to consumers.

Carat is another important factor. Many people are accustomed to thinking that size is the most important factor in diamonds. However, this is not true. Diamonds come in different sizes and weights, and the more a diamond weighs, the higher its value.

While top-quality diamonds are the most expensive, the higher quality diamonds are not necessarily the best. In fact, all 4Cs contribute to the value of a diamond. The misconception is that a diamond must be “perfect” in each of the four Cs in order to be valued.

The 4Cs of Diamond Quality and Why They’re Important

The cut of a diamond is another factor that influences its value. Cut is the most intricate of the four Cs, and determining a diamond’s cut grade involves GIA calculations of facets. This affects a diamond’s face-up appearance.

Another factor that affects diamond quality is the color. A diamond’s color can range from colorless to light yellow or brown. Colorless diamonds are rarest, while diamonds with colorless inclusions are considered gem-quality. Fancy colors are rarer and have different color grading systems than white colorless diamonds.

Clarity is another important factor. The clarity of a diamond is important because it impacts its rarity and cost. Clarity refers to the number of tiny inclusions that make up a diamond. A diamond that is completely flawless is the most expensive. An included 3 diamond, on the other hand, is the least expensive.

Clarity is an important factor when selecting a diamond. A diamond that has fewer inclusions is more valuable. Inclusions are not necessarily a bad thing, as most are not visible to the naked eye. However, you should be careful when considering the clarity of a diamond. A diamond that looks bad on paper may appear flawless in person.

Carat weight refers to the weight of the diamond. One carat equals about 0.2 grams. Diamonds are priced by carat weight, so the bigger the carat, the more expensive the diamond. The carat does not measure actual size – two diamonds of the same carat can differ in size. Carat weight is another important aspect of diamond quality. The higher the carat, the higher the price. Diamonds that are larger tend to be more valuable and rare.

These questions can help you narrow down your options and finally find your place in an entrepreneurial world.

What are your interests?

While you don’t need to be an expert in the business you choose to start, it will help you get ahead of the game if you already have some interest in it. If you love it, better for you. Plus, if you’re actually an audience member for your business idea, that’s even better because you’ll already have a lot of the information you need to get started.

How much starting capital do you have?

Don’t panic if you don’t have anything to start with, but it’s good to be precise and know what you have. Find out if there are things you can sell quickly to raise some money to get started. This is not the time to think about heaven, this is the time to be realistic.

What skills do you have?

Starting with your target audience is often the best way to choose a business. If you can narrow down your skill level and the type of people you want to work with, you can go a long way when choosing a business to start.

What skills can you buy?

When starting a business, it’s important to realize that you can’t (and shouldn’t) do everything. If your budget is very tight, you may need to start with what you know rather than what you can afford. However, knowing what you can buy will help you envision the future as your business grows.

What skills should you learn?

If you have noticed that you have gaps in your skill level, are they skills that you can learn? If something has come to mind that needs a license, can you get it? How long will it take? What will it cost? How will you get to class? Are they online or offline?

What resources do you have?

Some of the resources you already have might be a computer, Internet access, and even your skills and the people you know. Make a list of any resources, be it a person, a place, or a thing that can help you achieve your commercial property goals.

What resources do you need?

As you’ve listed the resources you have, you’ve likely found some resources you don’t have but need. Do not panic. Just make the list and think about listing them in order from “must have” to just “want to have”.

How much time do you have to dedicate?

If you currently have a job you have to go to and want to start a business part-time, it’s important to identify how much time you can realistically spend starting a business right now. Even if it’s just two hours a night after dinner, there is something you can do to start a business.

Gum Arabic Producers

Gum arabic farming provides an important livelihood in southern Sudan. Although most families grow several crops, gum arabic is the primary source of income. In Timna, a village 45 minutes from the main road, everyone is involved in the crop. The village has no other jobs and everyone is involved in harvesting the gum. Amin’s wife, Jenna, helps harvest the gum.

The gum arabic plant is harvested from wild Acacia trees. In Sudan, this type of tree grows prolifically and produces the most gum arabic of any country in the world. The gum arabic producers are able to harvest this sap in the winter months. This gum comes from the gum belt of Africa, stretching from Senegal in the west to Somalia in the east.

The gum arabic industry is the largest agricultural export in Sudan and supports five million farmers. It is exported in raw form and can triple in value once it reaches processing centers in Europe and the United States. But this process is rife with middlemen and smugglers who take huge profits.

gum arabic

The training provided by the CBPC aims to improve harvesting practices, develop self-reliance and promote economic development. It also aims to empower the most vulnerable groups and increase the level of engagement of the private sector and government. This way, gum arabic producers can contribute to economic development and the protection of the environment.

Gum Arabic Producers in Sudan

The government is involved in the gum arabic industry in Sudan. The board of the Gum Arabic Company is chaired by the Under Secretary of the Ministry of Trade and includes representatives from the Sudan Farmers Union. There are several taxes imposed on the gum production in Sudan. These taxes range from $200 to $400 per MT and are collected at the local level. In addition, additional taxes are collected on the transport operators on the way to Khartoum. While some of these taxes are legal, the processing industry claims that many are unconstitutional.

gum arabic in Sudan

There are also numerous problems and challenges faced by gum arabic producers in Sudan. These associations were established during phase III of the Restocking of the Gum Belt Project and were aimed at promoting financial returns for farmers and increasing the rural community’s self-reliance. Furthermore, it was hoped that gum arabic production would lead to the development of the Gum Belt.

gum arabic producers in sudan

Gum arabic is a valuable natural ingredient in food, beverages, and chemical products. It is a commodity with a wide range of applications, and its exports have nearly tripled over the last 25 years. This means that it is important for the growth of an African country. However, the gum arabic supply chain faces extraordinary challenges.

While the production dates for gum arabic are unpredictable, the process starts at the beginning of the dry season. Once the gum has accumulated, it is extracted at various intervals over the following months. On average, Om-Oshosh farmers begin the tapping process at the end of October, but in some cases, the process is delayed due to unusually cold temperatures and heavy rainfall.

бизнес в странах Балтии

При открытии бизнеса в одной из стран Балтии важно соблюдать законодательные требования этой страны. Литовский бизнес, например, обязан иметь юридический адрес. Адрес должен совпадать с адресом владельца. В Латвии и Литве в компании может быть до 10 участников, и требования к минимальному уставному капиталу отсутствуют. В большинстве стран юридическая ответственность за деятельность компании возлагается на генерального директора. В Эстонии и Латвии эта роль принадлежит членам правления. Если генеральный директор не является членом правления, деятельность компании не подлежит юридической ответственности.

Михаил Шулик уверенно говорит, что страны Балтии обладают необычной стартап-экосистемой. С талантливыми, амбициозными предпринимателями и большим неосвоенным рынком нет никаких причин, по которым вам не следует подумать об открытии бизнеса в одной из этих стран. Entrepreneur Europe — международная франшиза Entrepreneur Media. Страны Балтии, расположенные в Восточной Европе, являются привлекательным местом для инвестиций.

В странах Балтии ключом к успеху является работа с местными предприятиями. Местные власти стремятся привлечь иностранные инвестиции и поддержать бизнес. Помимо местных компаний, вам также следует использовать официальные публичные каналы, чтобы получить доступ к государственной поддержке ваших инвестиций. Есть несколько таких официальных каналов, которые могут помочь вам получить поддержку, необходимую для открытия бизнеса в странах Балтии.

Как начать бизнес в странах Балтии

Михаил Шулик также отмечает, что в зависимости от типа бизнеса, который вы планируете создать, вам может потребоваться зарегистрировать компанию в Регистре предприятий Латвии. Существуют разные юридические формы регистрации бизнеса, но в целом наилучшим вариантом является общество с ограниченной ответственностью. Вам также необходимо открыть банковский счет в Латвии и подать заявку на получение номера плательщика НДС.

Страны Балтии быстро становятся горячей точкой для технологических стартапов. Низкое налогообложение в регионе и доступная заработная плата делают страны Балтии отличным местом для начала бизнеса. Кроме того, подключение к Интернету в странах Балтии является одним из лучших в мире, а город Вильнюс считается умным городом. Успешные стартапы в этом регионе включают Trafi, Vinted и Deeper.

Если вы планируете начать бизнес в одной из стран Балтии, вам необходимо учитывать все преимущества и недостатки каждой страны. Хотя Эстония и Литва меньше Лондона, их население превышает 6 миллионов человек. Это прекрасная возможность для компаний из Восточной Европы выйти на более широкий европейский рынок. Например, Taxify начал свою работу в Эстонии и имеет более 10 миллионов клиентов. При небольшой конкуренции Taxify смогла быстро расшириться и в 2014 году получила награду за лучшее мобильное приложение.

Как и в любой другой стране, важно помнить о культурных различиях. Немцы, как известно, умеют торговаться, и им может потребоваться больше времени, чтобы прийти к соглашению. Шведы и балтийцы более терпимы к компромиссу. Независимо от того, имеете ли вы дело с деловым партнером в странах Балтии или в России, очень важно помнить о местном этикете. Например, эстонцы и белорусы не терпят громких и гневных дискуссий.

Writing a bad check can really be a sticky situation. It can happen to anyone, even those who make an effort to take care of their money. Poor budgets and impulsive thinking are the most common root of this financial problem. If you encounter this situation, acting quickly to resolve this issue is critical because this mistake can be costly.

While a single bounced check may not be a big deal, multiple bounces can wreak havoc on your budget. You have to pay a bank commission that can range from twenty to thirty dollars or more. You may also have to pay the same price to the person or store for the inconvenience you have caused.

If your bad checks pile up, your bank account will quickly go into the negative, and ultimately your bank may decide you’re a big risk and close your account entirely. It will not be possible to open a new account unless you pay your old account balance and your bounced check will be recorded in ChexSystems alerting other banks of your violations.

Your problems can also be made worse if the establishments resort to legal action to recover their money. You may get a call from companies that specialize in bounced check recovery, reminding you to resolve problems with your customers as soon as possible. Bad checks won’t just affect your bottom line; your reputation can also be destroyed. Banks will be reluctant to do business with you and will also decrease the job opportunities available to you.

Try to avoid writing bad checks as much as you can. Problems that haunt you after writing one can haunt you for a long time. If an accident occurs, try to solve the problem as quickly as you can. Your future and reputation are at stake, so always be vigilant to keep your financial situation healthy.

Why Would They Make a New Python?

The Colt Python is back, and it has a few notable changes over the original. The frame is now made of more steel, and the rear sight is more robust. This means that the gun should last longer. The change was made in response to improvements in metallurgy that Colt has made since the original Python was designed.

The Colt Python is a classic design that has been updated by the company over the years. It has the same barrel length, full-length underlug, and vented top strap of the original, but has been enhanced by the company with advanced metallurgy. It also has more steel than the original Python, and Colt claims it’s more durable.

The Colt Python, a six-inch barrel stainless steel revolver, was popularized by the movie Rick Grimes. The Python has been improved since its release in 2005 and now costs under $1500. The original cost thousands of dollars.

One downside of the Colt Python is that it tends to go out of time more often than other revolvers. The action of the Python is designed differently, so it’s not as fragile as some revolvers are. Although they’re not as fragile, they don’t last as long as some revolvers in the competition.

New colt python for sale

Unlike the King Cobra series, the new Colt Python is smoother and has better fit and finish. It’s also a bit more comfortable to shoot. This revolver comes with single and double-action capabilities. It also has a recessed crown, which means that the muzzle is cut back from the barrel end. The metal rim of the muzzle sticks out of the hole, making it more accurate.

Colt Python – Why Would They Make a New Python?

A new feature is the Colt Python’s adjustable rear sight. If you are not satisfied with the front sight that came with your Colt Python, you can upgrade it to the new version. The sight is designed to look like the original Colt sight and it is just as accurate. To install the rear sight, remove the rear sight pin and install the springs.

The Colt Python is a new revolver, but it is not entirely a new design. The original Python featured a full-length underlug and vented top strap on the barrel, and the New Python retains those features. The frame also retains the same design, but Colt has added 30% more steel to the frame.

The Python has been around for many years, but it has recently seen a new version. The new design is simpler and easier to shoot, and Colt has resurrected it for the 2020 season. But why would they make a new version of such an iconic revolver?

The Hogue Fancy Hardwood grips are some of the best available. They are precision inletted and hand finished on factory frames from the finest hardwood. Each grip has an individual figure and color, and is checkered at 20 lines per inch. These are also adjustable for elevation and windage.

Corporate financial reports are part of corporate reports consisting of financial statements and accompanying notes that are prepared in accordance with Generally Accepted Accounting Principles (GAAP). Financial statements are summaries of business transactions during the corporation’s financial year. The business world has many forms of organizations ranging from for-profit sole proprietorships, partnerships, and incorporated companies with limited liability to non-profit organizations whose existence is not primarily driven by financial gain.

The standards governing the preparation of financial statements largely apply only to incorporated entities. This has given rise to accounting standards issuing bodies and legal provisions that form the frameworks used in the preparation of financial statements. Reporting in accordance with GAAP and legal requirements presents advantages and disadvantages for organizations and other stakeholders. International Financial Reporting Standards are increasingly being adopted by many national accounting standard setting bodies leading the way towards a single set of accounting standards worldwide. Therefore, it is worth discussing the pros and cons of financial reporting to raise awareness of the complexities faced by corporations and accounting professionals.


A number of benefits of corporate financial reporting can be listed, and perhaps among the most important is that organizations can compare their individual performance with others in the same industry or line of business. This is because established principles, standards and regulations ensure that there is a benchmark to follow in the preparation of financial reports. The recognition of income, expenses, assets and liabilities is standardized by the existing framework and any deviation can be counteracted with disciplinary or legal actions. Organizations strive to prepare their financial statements to match established frameworks as closely as possible. In some countries, for example Kenya, this has taken the form of an annual competition (the fire award) where the performance of companies in this area is assessed by professional bodies, including the national body of professional accountants, with the aim to reward the company with the best prepared financial statements. . This, in turn, promotes personal and professional development, which is a desirable aspect in the growth and wealth creation of corporate organizations.

Investors and business owners in jurisdictions where corporate financial reporting follows robust and clear frameworks can make the right investment decisions. Corporate reporting in this case enhances the development of understanding of the activities of companies and, at the same time, keeps the companies themselves on their toes, as society at large is well informed about expected reporting standards. . This also acts as an incentive for managers to perform at their best and institute control measures that help the organization meet the frameworks.

Corporate financial reporting requirements drive the timely preparation of financial reports. This is desirable for stakeholders who may be more interested in the immediate past of the organizations rather than waiting a long time before the outcome of their input is known. When financial reports are prepared and published within the stipulated time, necessary actions may be taken to correct any anomalies that may have led to undesired results. In a more serious case where a material error is discovered, it can be corrected and the necessary measures taken to prevent its recurrence.

IFRS allow for flexibility as they are based on principles rather than rules. Because the principles are based on value, corporations can adopt the standards that best suit their circumstances as long as fair value is properly reported. This also fosters professional development, as setting accounting standards requires qualified academics who can develop the required standards after long and rigorous discussion and consideration to reach a consensus.

In general, corporate financial reporting acts as a measure of control, as management, owners, employees, customers, creditors, and the government rely on the reports for decision making. For example, the government’s corporate taxation relies from the outset on financial reports prepared and vetted by qualified public or certified professionals. Trends in company growth can also be quickly determined by comparing sets of reports for different periods.


Corporate financial reports don’t just deliver desirable results. There are some undesirable results that need to be mitigated. Consideration of cost guides many companies in their operation. In the preparation of corporate financial reports in accordance with the established norms and rules, experience is required and the company must hire highly qualified professionals for this task. Paying fees to qualified professionals can be prohibitive especially for small businesses closely controlled by their managing owners. Compared to larger companies, small entities do not have adequate resources to implement the adoption of the standards or even to train or employ qualified personnel. In many cases, these small and medium-sized enterprises (SMEs) are tempted to forego compliance with certain aspects of standards or rules, leading to problems with regulatory bodies, including the government.

The freedom to adopt standards that follow the particular circumstances of the company leads to the manipulation of reports. Disclosure of important information is in jeopardy as there is no legal enforcement to implement the standards. Even when the government imposes legal obligations on the financial reports that must be prepared, there are still gaps that can arise, especially when accounting standards and legal provisions are not in compliance in some areas.

For multinational companies, there are challenges in preparing their consolidated financial reports, especially when operations take place in countries with different accounting standards and legal regimes. There are also other challenges in dealing with, for example, exchange rates, interest rates and transfer pricing, where the treatment of such aspects may be seen as different in different countries. Taxation and the existence or non-existence of double tax treaties also pose another challenge.


It can be concluded that corporate financial reporting is essential and that the advantages of following principles-based accounting standards far outweigh the disadvantages, as the freedom to prepare reports in whatever way organizations see fit can lead to financial chaos.

What is the credit score? It is a statistical number based on your credit history, payment habits and other financial data collected from the financial institution by the rating agencies. Your credit score is an indicator of your credit worthiness. The rating agency collects this data based on a key or unique identifier such as Permanent Account Number (PAN, issued by the Department of Income Tax in India) or SSN in the US. Each rating agency may assign a different weighting to the different parameters used to determine it. Generally, it ranges from 300 to 850 points.

With the credit score check, the lender gets an idea of ​​the probability of default by the borrower, in the event that a loan or line of credit is granted. The higher your credit score, the better your chances of getting a loan at cheaper rates. Therefore, it is important that you verify it before applying for a new loan or credit. A credit score below 600 is considered poor, and financial institutions generally avoid lending to such people. By maintaining financial discipline, you can easily improve it too. The very little things or ignorance can seriously damage your creditworthiness. By paying little attention to these little things, you can improve your credit score and take advantage of cheaper credit facilities.

To improve your credit score, you must follow certain pros and cons.


1. Never delay payment of overdue installments on existing loans.

2. Pay credit card bills always on time. If possible, use the ECS or automatic debit feature on your card bill payment, so there is no chance of forgetting to pay the bill when it is due.

3. If possible, try to prepay existing loans. Making a small extra payment on top of the EMI or fees due not only helps you reduce your interest outlay, it also helps improve your credit score.

4. Maintaining good, long-term banking relationships with your existing banker helps you increase your credit score. Frequently changing your banker, especially business-related lines of credit, can bring you down.

5. Also make the payment of your utility bills such as electricity, mobile, insurance premium, municipal taxes, etc. on time. Although these are not directly reported for credit score checking, they help you maintain a financially disciplined life.

not to do

1. Do not take different loans from different banks. Try to use the maximum credit facilities of one or two banks. For example, you have two home loans, two car loans, and one personal loan, each from a different bank. This type of arrangement will lower your credit score. Try to switch all five of these loans to one or two banks at most.

2. Do not roll credit card balance from one card to another card. Rolling your balance from one card to another means you have no means of paying credit card bills. This seriously damages your creditworthiness.

3. Do not use up or over use the limit of the credit card. In case you regularly exceed the 90% limit, ask the credit card issuer to increase your credit limit.

4. Don’t discontinue your old credit cards for no reason or because you’ve taken out a new card. The longer your credit history with regular bill payments, the better your credit score.

5. Don’t take too many credit cards from different banks. Keep a maximum of 3-4 cards with the same number of banks. If you use these cards regularly and make timely payments on your card bills, your card company will be happy to increase your card limit.

6. Do not withdraw cash from CREDIT Cards through an ATM unless it is an extreme emergency. Frequent withdrawal of cash from the credit card account reduces your creditworthiness; instead, use debit cards linked to your savings account for cash withdrawals.

Try to get your credit score sheet once a year, so you know where you stand. In the event that you find any errors in the transactions reported on your sheet, report it immediately to the corresponding financial institution so that it can be corrected and updated with the rating agencies, especially when you are planning to take out a new loan/line of credit.

Mushroom Tea Give You Energy

Mushroom tea is a drink derived from different types of mushrooms. Its health benefits are said to include boosting the immune system, improving stress response, and gut health. However, this type of tea isn’t a cure-all, so you should consult your health care provider before taking this drink.

The answer to the question, “Does mushroom tea give you energy?” depends on what type of mushroom you take and how often. Many functional mushrooms are “adaptogens” – plants or mushrooms that help the body adapt to stress. They are especially helpful in times of environmental or emotional stress.

In order to make your own Mushroom tea, you can either buy fresh mushrooms or mushroom powder, which you mix with water. But remember that it is not a simple process. You must know how to identify the various types of mushrooms before making mushroom tea. It is also dangerous to ingest mushrooms that you can’t identify.

You can get mushroom tea from health food stores or cafes that specialize in health and wellness products. There are several brands available. Most of these products contain reishi mushrooms, which are known as adaptogens. They help your body cope with stress by promoting relaxation. Mushroom tea is best enjoyed in five-minute intervals.

Does Mushroom Tea Give You Energy?

The three types of mushrooms found in mushroom teas are reishi, cordyceps, and chaga. Chaga is the most studied, as it contains the highest antioxidant content. Cordyceps is best used before physical activity. Both types of mushrooms are beneficial for your heart and cardiovascular system.

Mushroom tea can be made by steeping a variety of mushrooms in water. The length of time for the mushrooms to steep varies, but the process is relatively easy. A variety of different mushrooms are available and some come in powder form for convenience. These mushrooms are also found in herbal tea blends, so you can add them to your favorite drink.

Mushrooms contain fiber and vitamin D, which help strengthen the immune system. However, the focus on mushrooms is not focused on their fiber content, but on their antioxidant and anti-inflammatory properties. Studies have shown that they are good for the heart and may even slow the aging process. But don’t forget to consult your doctor before drinking mushroom tea.

Researchers have found that mushrooms can help fight cancer. However, most research has been done on animals, and there isn’t any definitive research in humans. In fact, studies conducted in mice suggest that mushrooms help regulate blood sugar in the liver. Those findings need to be confirmed in human studies using randomized controlled trials.

Chaga mushroom contains high levels of superoxide dismutase, a substance that detoxifies free radicals in the body. This enzyme also helps protect the liver and supports digestive health. It also stimulates the production of digestive bile, a substance necessary for proper breakdown of proteins and foods.