Let’s be honest. Most people could use more money, whether it’s simply to help make ends meet, save money for a rainy day, or meet retirement goals. But many of us get frustrated when we’re not sure how to get more. Earning money online can help with that. This article is here to help.

Sign up to a site that pays you to read emails throughout the day. You will simply get links to scan on different websites and read various texts. This won’t take long and can pay off big in the long run.

Get paid for checking out some of the new products on the market today. This is a great way for companies to determine if their new products are a hit or flop, as they will pay good money to get an opinion on them. Spread the word about these products and get paid.

If you have a good ear and can type quickly, you may want to look into transcription jobs online. Starting fees are usually low, but with time and practice, you can build your skills to tackle some of the highest paying jobs around. Try looking on oDesk or eLance for some transcription work.

Many people discover that they can earn extra money by completing surveys. There are many survey sites online that will pay you for your opinions. All you need is a valid email address. These sites offer checks, gift cards, and PayPal payments. Be truthful when you fill out your information so that you can qualify for the surveys that are sent to you.

You can earn money trading domain names. There are many who can make a living just by trading domain names. It’s a bit like buying real estate on the Internet and requires some investment on your part. Get the latest keyword trends using Google AdSense and similar sites. Buy some domains based on acronyms. Find domain names that are probably worth your time.

Join a focus group if you want to earn some extra money. These groups meet from an Internet hub at a physical location where they will discuss a new product or service that is on the market. Generally, these groups will meet in very large cities near you.

Participate in contests and sweepstakes. Just by entering a contest, your odds are not very good. However, your odds are substantially better when you enter multiple contests on a regular basis. Taking a little time to enter a few free contests every day could really pay off down the road. Create a new email account just for this purpose. You don’t want your inbox to fill up with spam.

Tens of thousands of people have learned how to help fill their wallets by finding great ways to make money online. You can be part of these really smart people doing this and become a financial success as well. You don’t want to miss out. It’s time to take financial control!

In recent times, thousands of people have been in default on their debts. This usually happens due to the financial turmoil that has hit the people badly and has left its devastating side effects. Credit card debt is accumulated by people due to the lack of a luxurious life and to achieve the same they have this easy alternative to accumulate huge debt in the form of credit cards. Once the accumulated debts become unmanageable, the problem of finding alternatives for relief aid begins.

Considering this situation, many settlement companies due to government intervention started the process of providing various debt relief programs to enable people to pay off their debts. Debt counseling is the most effective way to deal with debt and is available online at no cost. You just need to call the helpline and discuss your debt problems with the counselors and then they will contact you after devising an effective strategy to help you overcome this debt. You can find online debt relief network that contains all the information about the authentic and legal relief companies that are also associated with the government and provide legitimate debt relief help to the clients. Nowadays, online debt consolidation programs are also becoming very popular. The companies that provide such services are industry leading non-profit agencies whose main goal is to get people out of debt fast. This technique works on the plan you have to consolidate all your unsecured loans, assets, mortgages into one amount that you can pay off after negotiating with your creditor.

With the help of these online counseling programs, people can expect to eliminate an average of 50% of their unsecured debt. You can easily locate consultants in and around your area who will help you pay off your debts and loans at no cost.

Text: Jay’s Gourmet Cookery began as a home-based business that rented out a commercial kitchen for food preparation. The owner, Jay, was looking to expand so he could have his own private kitchen and expand his operations into a full time operation.

SNAPSHOT

Location of the company: New Orleans, LA

Sales: $45,000 per year

Customer base: Commercial, Business to Business Sales (80%), Residential, Business to Consumer (20%)

Terms of sale:

• Commercial – Net 30 days
• Residential: 50% deposit, balance at the end of the event

Business structure: Limited Liability Company (LLC) with Jay and his spouse as sole shareholders.

Additional Information: Jay has been working full time and operating the kitchen on weekends and holidays. He intends to quit his full-time job to pursue the full-time operation of his catering business. Jay’s wife works with him and will help him as much as possible, but she won’t leave his full-time job where he works at a professional services firm as a CPA and earns $105,000 per year. They have a small mortgage and very little personal debt. Both Jay and his spouse have credit scores of 721 and 732 respectively.

EXPANSION PLANS

Jay plans to rent out a private professional kitchen and take advantage of her current commercial client base to host events throughout the week. He has already confirmed that his business clients are willing to provide him with more business when he can fill the need. Jay also wants to purchase a specialized panel truck for transporting food, replacing the family vehicle that has been used until now.

You will need financing for the purchase of the vehicle and you will need to finance new equipment to be installed at the new place of business. Also, Jay wants to do some advertising and promotions to increase awareness of the business for him.

Jay and her spouse want to know what options are available to them.

FINANCING OPTIONS

The best options for Jay’s Gourmet Cookery are as follows:

Unsecured business loan: Since Jay’s income has not been that substantial up to this point, getting a Full Business Loan will not provide much liquidity to the business, so the best option available would be to do a Reported Income Business Loan where income verification will not be required and since their credit scores are above 720 and they have no delinquent accounts or adverse credit history in recent years, they would qualify for up to $50,000. These funds can be used for any business need, such as promotion, advertising, and general operating expenses.

Equipment Leasing: Since Jay’s spouse has been working for the past several years and will continue to work outside of the catering business, the income that Jay’s spouse has been receiving will continue and be eligible to pay for the new kitchen equipment and panel truck.

Accounts Receivable Finance: A line of credit can also be issued to Jay’s company where all business (B2B) sales will be eligible to receive advances at a rate of around 85% of the face value of the invoices. Jay’s customers will pay the finance company directly, so there will be no servicing of this financing agreement and the credit line will grow as sales grow. In this way, financing will be available to cover the costs of the operation (rent, supplies, salaries…) until B2B customers pay their invoices.

TO WRAP

The given scenario is a typical scenario for many startups that push their “home business” boundaries and expand to meet the needs of the market.

These financing options are applicable to many different business structures and not only pertain to caterers, but you can see how the solutions provided fit business needs. Not every option presented is required to be used for every business, but most business owners would agree, “Options are good!”

Note: The company information in this case is fictitious. This article is intended to illustrate the financing options available to growing businesses.

What is Authentic Leadership? Authentic- “according to the facts and therefore trustworthy, dependable or believed”

To become an authentic leader, you must become increasingly aware of the four leadership qualities that we are going to describe and manipulate these qualities to create a personal style that works for you.

Always ask yourself the question: “Why should someone be led by you?”

In the short time we have to discuss this, I believe there are 4 key points essential to becoming a truly authentic leader.

1 – Leaders selectively show their weaknesses: by exposing some vulnerability, they reveal accessibility and humanity.

For example, Richard Branson, the founder of Virgin, is a brilliant businessman and a hero in the UK. He is also particularly effective at communicating his vulnerability. He is uncomfortable and constantly hesitates when interviewed in public. That could be considered a weakness; However, that’s Richard Branson, warts and all.

2 – They rely heavily on intuition to measure the right moment and the course of their actions.

Not surprisingly, the most impressive business leaders are highly refined sensors. Ray van Schaik, president of Heineken in the early 1990s, is a case in point. His genius lies in his ability to read signals from his colleagues and from Freddie Heineken, the third generation family member. Some senior managers spent time doubting the major shareholder, van Schaik developed the ability to “just know” what Heineken wanted. In addition to spending many years on the Heineken board, van Schaik could read Heineken even though they had very different personalities and rarely worked together.

3 – Manage others with strong empathy.

The ones most apt to use it are people who really care about something. When people really care about something, they are more likely to show their true selves.

Tough empathy also has the benefit of prompting leaders to take risks. There are many businesses across the UK that have been facing difficulties due to the recession. By openly and directly explaining the situation to staff about necessary changes, sometimes an increase in expenses, staff would accept the process. Once this is done, a restructuring could take place that would result in job losses, but long-term success for the company. This long-term success is attributed to the strong empathy with the employees. As a CEO said “Once you have the people with you, you can make the tough decisions that need to be made”

4 – Dare to be different.

Inspirational leaders will capitalize on their differences. The effective use of these differences is the most important quality of the four we have mentioned. A distinctly different style of dress or physical appearance are ways to show a difference. However, an effective leader will be distinguished by qualities such as imagination, loyalty, experience, even their body language.

An example of this could be a Senior Manager who manages by walking, but in doing so constantly passes people by the speed with which they walk, this is different to the norm, however it is a way of communicating urgency.

Looking at these four key points, the challenge now is to find a personal style that suits you.

Overcapitalization is, “When the company’s securities are issued in excess of their capitalized purchasing power.” Overcapitalization demoralizes shareholders who have invested their savings in buying shares. They do not earn dividends since the company does not earn enough profit to be declared as a dividend.

This state can also imply a shortage of capital. It is a capital shortage because the added value of outstanding stocks and bonds exceeds the value of fixed assets. The market value of equity shares eventually declines.

Nine causes of overcapitalization

1.) Over Stock Issues: Due to poor planning, a company issues more shares and debentures than it should. This translates into low income.

2.) Acquisition of assets at inflated prices: If assets are purchased at inflated prices, the book value is low. The real value of assets is low, resulting in low earnings per share.

3.) Boom Period – When a company is formed during the boom period, it experiences low profits after the boom period ends.

4.) Overestimated Profits: During the promotion stage, promoters and directors may overestimate the company’s profits, thus raising more capital than required. This excess capital leads to lower profits.

5.) Adoption of a liberal dividend policy: If adopted, it causes low profits in the long run. Results in a low book value compared to actual value.

6.) Lack of Reserves: When a company is not making enough provisions for reserves, over capitalization occurs. This is especially the case if you distribute entire profits as dividends to shareholders.

7.) High promotion and organization expenses: when the expenses incurred for the promotion of the company, such as the issuance and subscription of shares, the remuneration of the promoter is very high compared to his benefits for the company, this results in a overcapitalization.

8.) Shortage of Capital – If a company does not have enough capital, it is forced to raise additional capital through loans at high interest rates, resulting in low profits.

9.) Tax Policy: Over-capitalization occurs when the policy adopted by the government is not fair. A small amount of earnings is left to cover depreciation and dividends. Your earning capacity is reduced as a result of high taxes.

Seven ways to overcome overcapitalization

1.) The efficiency and productivity of human power and other company resources must be increased. Its waste must be avoided. This translates into higher profits.

2.) The company must reinvest its profits. This stabilizes the company’s profits in difficult times.

3.) There must be a reduction in debts financed through the redemption of debentures and bonds to equalize the book value and the real value.

4.) The interest rates of the bonds must be reduced to guarantee sufficient profits of the company.

5.) If the preferred shares are high dividend, then they must be redeemed.

6.) There must be a reduction in the value of the shares.

7.) The number of capital shares should be reduced.

Managing your finances is a huge task you have to do. By managing your finances properly, you can avoid spending a substantial amount of money on something that isn’t really useful. Managing your finances can also help you stabilize your financial status. With these, you can make your life better.

When it comes to managing your finances, one option is to get a credit card. This option offers a lot of benefits for many people. On the one hand, you do not need to bring a large amount of money in your pocket when you go shopping. This means that you will also feel more secure and protected against theft. But to get these benefits, you must first find the best credit card provider that can meet your needs. Here are some factors you need to know.

Compare interest rates

There are many banking institutions that offer credit cards. Therefore, one way to choose is to compare your interest rates. Interest rates vary depending on the institution you choose. Therefore, it is vital to carefully evaluate the interest rates of the banking institution before signing a contract.

Balance your salary and credit card

You should also make sure that your credit card matches your current salary. You need to balance your salary with your credit spending to ensure that you have the ability to pay off your credit card each month. Fortunately, there are reputable banking institutions that offer different types of credit cards to meet your needs and complement your lifestyle.

Evaluate other fees and charges

In addition to interest rates, there are other fees and charges you have to deal with when getting a card. When you want to transfer balances, getting a balance transfer card is ideal, as it offers a low introductory rate on balance transfers for a period of time. By learning about other fees and charges, you can make better decisions about when to use the cards.

Learn more about rewards and gifts

Finally, you should also determine the rewards and freebies the card company can offer, such as airport lounges around the world, world-class fitness centers, and free concierge services to free airline miles and cash-back privileges.

By knowing these factors before getting a credit card, you can be sure that you can choose the best option that can help make your lifestyle better and more efficient.

“Addiction marketing” is a phrase I coined a few years ago while waiting in line for my drink at Starbucks. I was looking at the mass of people who, like explorers lost in the desert running towards an oasis, seemed to be desperate for their daily (if not more frequent) dose of caffeine. It was at that time that I realized that one of Starbucks’ key business drivers, if not the most critical business driver, was that Starbucks sells products that satisfy people’s addictive tendencies. What Starbucks has done better than many other addictive vendors is that they also make giving in to your addiction cool and trendy. In today’s blog post, I’ll examine addiction as a key success factor in business.

When I was in school, economics professors would lecture on using drivers of supply and demand to create business advantage… business professors would evangelize the strengths of recurring value and consumable product stability. .. marketing professors would argue the benefits of relationship marketing, but nowhere do I recall being able to sign up for a class on addiction. However, if you think about “addiction marketing,” you quickly realize what the “media boosters” on Madison Avenue and the marketing and product development gurus in the corporate world have known for years. ..everyone has their unique set of vulnerabilities that if exploited creatively and effectively will lead to strong sales and powerful brands.

If you read the business news over the weekend, you may have noticed that the Indian government is trying to force Coca Cola and Pepsi to divulge the formulas of their popular beverage products. One of the upheld charges in the High Court of India is that Coca-Cola and Pepsi products are addictive and unhealthy… Hmmm… Take a look at the following representative list of successful companies and/or industries and find out to their own conclusions as to whether these companies or industries take advantage of consumer addictions around the world to generate their income:

vegas – The slogan “What happens in Vegas, stays in Vegas” satisfies just about every addiction under the sun… Sin City lives up to its reputation.

Label Body Spray – Tag’s recent commercial campaign has taken the phrase “Sex sells” to a whole new level… In this campaign, all a teenager has to do is spray himself with Tag product and he instantly finds himself being attacked by hordes of attractive. young women… If you have a teenage son, it would be a safe bet that Tag is their cologne of choice.

The beer and alcohol industry – You’ll be hard-pressed to find a beer or alcohol company that doesn’t represent your beverage consumption as the key ingredient to a lifestyle of fast cars, beautiful women, successful careers, etc.

The Tobacco Industry – The tobacco industry has been publicly criticized for selling products that take advantage of the addictive effects of nicotine and even with all of the known health hazards smokers face, in many cases the addictive nature of the product is greater than people’s ability to to make a logical decision.

I don’t think anyone would question the examples listed above because they obviously take advantage of addictive consumer trends. However, what about the finer side of the addiction business? Isn’t Starbucks using the same addictive business tactics as the industries mentioned above? What about companies in the luxury goods sector? Companies that sell high-end products and services cater to the elitist attitudes of this segment, allowing consumers to make claims about their socioeconomic status based on the products they buy. Isn’t this also catering to addictive tendencies?

OK, now I’m going to play a little closer to home… What about my company’s value proposition? We sell success… Isn’t it possible to see success as an addiction? What about the social media industry? Are social media users and bloggers addicted to interaction, attention, etc. What does the new media platform offer? While I could go on, I think my point is clear… I’m certainly not implying that all consumers are addicted, nor am I implying that all companies are “pushers”, but I am making the point that addiction marketing sells and that many companies they use this as a strategic advantage. In fact, I think the evidence is clear that a company can create a strong strategic advantage in sustainability by not finding ethical fault with what I’ve coined “Addiction Marketing.”

The bottom line is that I love to travel and watch movies and I don’t think that makes me an escapist… I have a penchant for Starbucks (venti caramel frappacinos in particular) and I don’t think it’s a caffeine. addicted, I appreciate fine clothing and quality cars and I don’t think that makes me a social elitist. However, I have also come to realize that my perceived addictive tendencies are clearly trying to be harnessed by creative and savvy marketing and product development efforts. I leave you with the following questions to ponder:

What is the difference between pleasure and addiction?

Do you think “addiction marketing” is ethical?

Does your business engage in addictive marketing strategies and tactics?

And when was the last time you made a purchase based on your addiction?

You are a bigger woman, a plus size girl or a size 16. As a young woman, you had the confidence of Lady Gaga. You strutted down the driveway with your stuff without giving a thought to your body size.

When boys or girls call you names, you let them know, very loudly I might add, that they are stupid to emphasize the point with a slug or slap.

What happened?

Why is your confidence shaded?

Where did that daring and beautifully bold girl disappear to?

She still exists.

she is inside

It’s just that with all the taunts and insults being thrown at you like rocks she built a wall to protect herself.

How to knock down walls? One stone at a time.

So what do you say we wake her up, get her out of hiding, okay?

Trust starts with your mind

You need to identify the lies and crush them with the truth.

The nursery rhyme “sticks and stones may break my bones, but words will never hurt me” is an outright lie.

Throw it away.

With the first lie squashed, let’s work on the rest.

Louise Hay popularized positive affirmations as a way to rewire inner voices or the messages we repeat to ourselves. She used an exercise called Mirror Work with her students. It works by standing in front of a mirror, repeating your affirmations out loud. Help people heal deeply. Why? She says “It makes you immediately aware of where you are resisting and where you are open and flowing..”

Try saying “I love you (insert your name)” out loud in front of the mirror, slowly, five times, looking directly into your eyes. Awkward, right?

Did you find yourself looking away? crying? Derision?

Crush those lies, remove those stones, little by little the wall falls.

be wonderfully honest

You must be wonderfully honest with yourself.

Those words thrown at you when you were young hurt, didn’t they?

When your dad called you “Tubby” thinking it was cute, it made you cry on the inside while laughing on the outside.

When your first love rejected you and topped it off like a cherry on a hot fudge sundae by calling you chubby, it hurt so much that you considered killing yourself.

Forgive those thoughtless words. Forgive those intentional fiery darts meant to hurt your soul. Forgive yourself for believing them.

you define beautiful

Beauty, as they say, is in the eye of the beholder. No one defines beauty in the same way. And believe it or not, the definition is constantly changing.

What does beauty mean to you? Define it, then describe yourself using those prerequisites.

You don’t have to believe it at first.

I got you, didn’t I?

I know that negative self-talk inside that head of yours. Just do the mirror work I mentioned earlier and you’ll start to believe it.

Define beauty for yourself and believe it.

You can feel beautiful and confident as a bigger woman. She begins by removing the stones one by one until the wall behind which your inner child hides disappears. First, she identifies the lies and crushes them with the truth. Second, be beautifully honest with yourself. And finally, he defines what beauty means to you.

Whether you are buying or building a wooden chicken coop, there is one important caveat to keep in mind:

Wood for the chicken coop should not be of the treated variety that is supposed to prevent moisture or rot.

Arsenic compounds are used in the treatment process and will poison your birds if they decide to peck a little. Although it sounds tempting, cedar and other aromatic woods are not good for the same reason for snacking. Any pine wood used should be well seasoned and free of clumps of sap.

On top of that, wooden chicken coops are a great option for you and your birds, especially when it comes to expense. Wood is cheap. It can be cut, shaped, bent, painted, and otherwise manipulated to suit your needs.

If you decide to paint it with shellac, do not use anything with toxic materials, particularly lead-based applications. With proper care, solid wood structures can last for generations.

Particle or pressboard of any kind should be used with care, as they tend to absorb a lot of moisture (something you can’t do when you’re dealing with chickens) and are prone to warping and even cracking.

Buying or building a wooden chicken coop is a decision you will have to make. How skilled are you in carpentry? Wooden chicken coop plans are available online for free and for sale. Most plans are easy to follow, requiring only basic tools like a hammer, saw, and drill.

Or, you can go online and find some great ready-to-use wooden chicken coops starting at around $350, good enough for four birds. And, in addition to being fully functional, they are also very cute!

Of course, just like for human houses, there are builders who will make a custom wooden chicken coop right down to the choice of hardware used for the latches and hinges.

For wooden chicken coops, as with any chicken coop, you need to consider the number of birds you want to keep, living space, roots, nest boxes, ease of cleaning, control and safety of your flock, ventilation and air conditioning. heat.

As a chicken farmer, you want something that will keep your flock safe and happy, and something that you and others will find appealing, something that might even bring a little nostalgia to your surroundings.

All of that, along with a basket full of fresh eggs, will certainly make having a small wooden chicken coop worth your while.

Changing Financial Products and Services

Fintech is a term that describes the integration of technology into financial services. This innovation has been a catalyst for change, unbundling and improving many aspects of financial service delivery. Ultimately, fintech will bring about a transformation in money management and how people access and use their finances.

Fintech is a broad term that encompasses a wide range of financial services, including cryptocurrencies, P2P lending, payment services, and digital cash. Essentially, it is a way of making financial products and services more accessible, affordable, and convenient for consumers. These products are often based on blockchain technology, which is a decentralized system that allows transactions to take place without inputs from third parties. Increasingly, these products are offered by a wide range of companies.

There are a number of fintech ventures, each with a different purpose. For instance, a peer-to-peer (P2P) lending platform like Kickstarter, can offer microloans to individuals. In contrast, a roboadvisor can optimize money for an individual automatically. Another popular personal finance app is Acorns, which can track your spending habits. These apps are designed to give you a more comprehensive view of your finances. They can also make it easier to sell and buy stocks and ETFs.

One of the first fintech companies to operate primarily on the Internet was PayPal. Its innovative approach to online payments and its focus on a consumer-oriented approach to banking, largely appealed to millennials. The company was further revolutionized by mobile technology. Today, PayPal is a major player in the global economy.

What is fintech

Other examples of fintech offerings are crypto apps, which allow users to hold cryptocurrencies. Similarly, a number of payment companies, including Square and PayPal, make it easy for anyone with a smartphone to transfer money.

What is Fintech and How is it Changing Financial Products and Services?

As the demand for fintech grows, a new generation of startups is developing innovations in this field. Fintech startups have been receiving billions of dollars in venture funding. These startups are changing the way people access and use their finances.

Benefits of Fintech

A significant part of the fintech industry is geared towards providing financial inclusion to low-income and impoverished populations. In fact, the Global Findex database estimates that 1.7 billion adults do not have a bank account. Underbanked and unbanked services are being developed to serve this population, providing them with access to the financial services they need to help them achieve their goals.

fintech history

In addition to making financial services more accessible and affordable, Fintech is also creating a new marketplace for financial institutions. These fintech firms can provide customers with cheaper prices and better customer service, thereby disrupting traditional business models. In some cases, these new providers can act as a replacement for existing banks, acting as a gatekeeper for consumers.

This is why it is important to understand the risks involved in financial technology transactions. Among other issues, cybercriminals can steal and misuse personal data. There are also regulatory challenges with fintech. For example, the General Data Protection Regulation limits the amount of personal data that can be made available to banks.