100 Online Business Ideas March 9, 2019 bizadmin I received in my inbox today a nice infographic on 100 online business ideas that you can emulate and copy some of them to earn online. Several of the ideas are already being implemented by myself and to be honest, it requires hard work and your time plus dedication. You need to have a few sources of income, albeit a little, but something to me is better than nothing at all. It keeps you occupied profitably to while away free time. As they say, ‘An idle mind is the devil’s workshop and that devil is Alzheimer’s disease.’ Or even dementia. If possible, I want to live long and being useful to people around me while saving up for my golden retirement. Who knows, I might not retire at all. That’s because I love what I do and I work in a home office with outside benefits. As this post is not about me, but about the ideas that you can implement to start earning online from the infographic given. Cheers, and happy working!
Earn Free Bitcoin in 5 minutes February 27, 2019 bizadmin I was surfing the website or world wide web when I came across the video below that’s embedded in this blog post: Just click on the Play button to see more information. As a rumor, I have heard that Project Ubin in Singapore is kicking off soon in March for its IPO of bitcoin or cryptocurrency of Asia. In 2007, we never heard of cryptocurrencies, Instagram, Airbnb, WhatsApp, and other technological startups. So, what’s holding you back. In my opinion, I am neutral to cryptocurrency but might change my mind shortly as I see more people jump on the bandwagon to get a slice of the economic pie.
60 Best Shopify Stores for Inspiration January 14, 2019 bizadmin Starting an online business can be intimidating. There are so many things you have to deal with, like how not to go broke or how to optimize your landing pages. But, let’s put that aside for now. Here is a list of 60 inspiring online Shopify stores. All of them are successful ecommerce businesses. Each of these businesses carved their own way to success. And, for each of them, success meant different things. I’ve highlighted the greatest accomplishments, usually monetary, for these Shopify stores. Their successes vary from having high-end clients like Ben Affleck to earning multimillion-dollar investments and six-figure revenues. Hopefully they will get you inspired about your own online business. Best Shopify Stores for Clothing Negative Underwear This company’s goal is to help women feel confident in their own bodies. They don’t want to rely on push-up pads or bows for women to feel sexy. And it must be working for them since this Shopify store’s revenue grew 150% just a few years after they launched. They have gained acclaim from big names such as Forbes, Vogue, and The Wall Street Journal for making a place in the industry and bridging the gap between functionality and appearance. Unconditional Unconditional’s website design is nothing but striking. It’s simple, yet eye catching. Starting up in London, this Shopify store is now 11 years old. They describe themselves as “a winning combination of the laidback and the edgy”. Sir This Shopify store is bold, it’s big, and it’s beautiful. With its serene photography style, it does a great job sending a calming message through the theme of the store. Located in Sydney, Australia, this store steals a place in our list for one of the most striking Shopify stores for clothing. BlackMilk This Shopify store is bursting with color. It gives a feeling of fun, happiness, and adventure. There’s so much to say about this store and the colors that they add to their clothing. When they aren’t grabbing your attention with their vibrant colors, they get you with their exciting prints or occasional Disney heroes you can spot on their clothing. Learn more about the difference between dropshipping and wholesale Taylor Stitch Taylor Stitch launched its online Shopify store in 2010 selling custom and tailored menswear. Their aim is to make sophisticated dressing affordable. This Shopify shop creates a bond with their customers by encouraging them to share their individual stories. Over the years, their customers have shared amazing stories and pictures from fly fishing trips, motorcycles crashes, hurricane clean ups, and wedding days. Since the launch, their revenue has tripled each year. Just three years after their launch, the company made an expected $1.5 million in sales, and is continuing to grow since then. Triangl An Australian couple launched this swimwear line in 2012. The idea of this Shopify store first came to Erin Deering, one of the founders, who realized that she couldn’t find any bikini that she liked that was also affordable. By the end of TRIANGL’s first year, the company made over $5 million. The following year this top Shopify store earned five times that much, at $25 million. TRIANGL offers simple and sporty styles in bright neoprene fabric. HELM Boots Founded in 2009 in Austin, Texas, HELM is dedicated to classic style with a versatile, modern perspective. HELM casual & work boots and shoes are produced and sourced in U.S. facilities, making them 100% made in the USA. This young boot retailer is gaining quick traction and getting orders from the likes of Ben Affleck. Introducing their Shopify shop in 2009, they have since then been committed to crafting handmade leather boots with pride, care, and purpose. Marc Wenn All products are designed by Marc Wenn in London. They focus mainly on shoes, wrist watches, and backpacks. Marc Wenn advises doing many things that don’t scale to ensure good business at first. For example, personally emailing the first 100 customers to say thank you will go a very long way for any business, just as it did for this Shopify store. Khara Kapas Kharakapas, means ‘pure cotton’. They sell Indian-culture-inspired and handmade boutique clothing. Their clothes combine an understanding of the elegance of cotton, earthy colours, versatile prints, and minimalistic design that are a celebration of the uninhibited spirit of style. Their products are produced locally in India, but they provide shipping worldwide. With its modern take on heritage, this Shopify shop racks up over $1,500 sales per day. Ugmonk Originally, Ugmonk started as a side project for its founder, Jeff Sheldon. Today, the company shipped over tens of thousands of products to over 60 countries worldwide. Their products range from everyday clothing to workspace related products and many more unique prints and designs. The shirts from this Shopify shop have been spotted all over television and online, including in an episode of Project Runway and Cougar Town. SoYoung Inc This line of bags for both moms and their children earns 25% of its revenue from their online Shopify stores. The profit margin on those sales is higher due to the higher margins thanks to direct sales. On their Shopify website they have a wide variety of different collections for adults, kids, and babies to choose from. THINX An amazing women’s company which sells period underwear is making big headways and big bucks. This Shopify shop raised $130,000 in 2014 from crowdfunding and has grown 23 times since. 23 times. Gymshark Created in 2012 by teenager Ben Francis and a group of his high-school friends, Gymshark has grown from a screen printing operation in a garage, into one of the fastest growing and most recognisable brands in fitness. This Shopify store is a fitness apparel and accessories brand manufacturer online retailer based in the United Kingdom. Supported by over 3 million highly engaged social media followers and customers in 131 countries. The Candi Factory With it’s simple design and basic structure, this Shopify store is one worth mentioning. They keep it simple by adding some colors and expressions to their clothing line which helps them stand out and create an identity. All in all, their minimalistic design goes well with their products, that appear to be full of life. Best Shopify Stores for Accessories Toyshades This trendy Shopify store doesn’t shy away from adding a little bit of color to their shade collection. With only a few navigation options they have a number of collections to offer when it comes to products, which include autumn shades, winter shades, everyday eyewear and more. Hershel This Shopify store was founded in 2009 by brothers Jamie and Lyndon Cormack. They decided on their company name based on the town where three generations of their family grew up. This Shopify store is one that has gained international recognition for their accessories that they’ve been known to produce with great quality and fine regard for detail. Biko This Shopify store has a very simplistic design, with just a few navigational options. The element that makes it stand out is it’s photography. They describe themselves as a “modern nostalgic jewelry brand”. Based in Toronto, they hand-craft every piece that they make, with materials including sleek mixed metals and natural stones. WP Standard In 2013, WP Standard won Shopify’s Design Award, giving it some serious exposure to their target audience – the design- and quality-conscious tech crowd. It is one of the top examples of how design can play a huge part in the success of a Shopify website. Sunday Somewhere This Shopify store was developed in late 2010 by Dave Allison, but has reached worldwide recognition since then. The premium eyewear brand focuses on quality, simplicity, and originality for its strategy. Minaal sells high-quality travel gear for digital nomads. It was launched by two guys from New Zealand, who realized how dissatisfied they were with their travel gear, and thought it’d be a great idea to quit their jobs to come up with their own. In December of 2015, they launched a 2nd Kickstarter campaign and raised $707,631 from over 2,400 people. The campaign’s goal was only $10,000. This is a great Shopify store example of a business with a long-term goal that is passionate about the travel experience. Watch Outfitter The company was started by a 17-year-old who had a knowledge of watches and passion for jewelry. By the end of the first year, this Shopify shop was making $13,500 in monthly revenue. They source their watches from a number of different vendors within the U.S., Europe, and Asia. This allows them to offer wholesale prices, with high quality materials and design. Michael Nelson This trendy Shopify store made it to the list of top 10 creative Shopify stores to look forward to in 2018, and let’s just say it didn’t disappoint. With it’s funky colors and designs, it’s hard not to be amused by the creativity behind this great Shopify store. Bremont This British luxury watchmaker is a Shopify example of an award-winning company producing beautifully engineered chronometers. The annual production is approximately 8,000-10,000 pieces. In 2017, there were remarks of the company increasing its earnings to £14 million. Nerdwax Nerdwax is an all-natural and organic beeswax. The company rejected two offers from Shark Tank. This Shopify store is definitely doing something right if it has made over a million dollars in total sales to date. Best Shopify Stores for Cosmetics KKW Beauty KKW, the hugely popular beauty brand by Kim Kardashian West has been creating storms with the amount of recognition and fame it has gained. Hosting periodic sales, the products are not only very high in quality, but also are sold out within minutes. It is easily one of the top Shopify stores for cosmetics. Kylie Cosmetics Kylie Cosmetics, the wildly popular beauty company, uses Shopify to run their fantastic online store. Kylie Cosmetics hosts periodic flash sales which are some of the largest on the internet. This is another example of a Shopify store where the products sell out within minutes. Jeffree Star Cosmetics Jefree Star Cosmetics is the cosmetics brand of Jefree Star, an American make-up artist, fashion designer and model. With a hot-pink website look, Jefree Star Cosmetics include a tonne of holiday and special editions for their customers, as well as free U.S. shipping for products over $100. It is arguably amongst the top most popular Shopify stores for makeup and cosmetics. Concrete Minerals Founded in 2009, this Shopify store example is all about creating high-end vegan, cruelty-free cosmetics with a unique twist. Their policy is less and more — less ingredients, more pigment. They are committed to using no parabens or preservatives in any of their products, and are also 100% gluten-free. Located in Southern California, they provide free shipping worldwide on all orders $50 and above. NCLA Beauty This Shopify store offers a wide range of nail products and other cosmetic products, such as jelly balms and lipsticks. What’s interesting about their website is the way they’ve designed it. All we can say is that they’ve nailed the design! Beardbrand Eric Bandholz built an online business for men’s beard care. In less than a year the company was making $120k in monthly sales. Beardbrand’s email list also quickly grew to over 7 thousand emails. Best Shopify Stores for Health and Beauty Flex Flex is an alternative to tampons. The great thing is that it allows women to enjoy sex while on their period. If you don’t think that’s a worthy business idea, this Shopify store raised $4.6 million in the first half of 2016 alone. SkinnyMe Tea This Australian company sells all-natural detox teas. Founded in 2012, their mission is to help people achieve their health and wellness goals. In only-9 months after this Shopify store started, they were earning $600k in monthly revenue. Bootea In 2016, Bootea took over the dietary and lifestyle scene with its detox tea. With one of the best marketed Instagram products, this Shopify store has achieved listings with multiple national retailers and over 1 million customers worldwide. Little Sparrow Tea Little Sparrow Tea is a boutique tea company from London. Their goal is to create authentic and wonderful tea experiences. They offer a selected number of teas including white, herbal, black, and green tea. This Shopify store also has a tonne of information about the health benefits of tea, as well as other interesting posts on their blog. Happiness Abscissa The Happiness Abscissa (Ha) is committed to reflecting happiness. According to their philosophy, The Ha is a subjective scale that incorporates neurobiology and sensory elements that can be optimized to improve one’s sense of wellbeing. This Shopify store is another very well designed example that you can take inspiration from. Skinny Teatox Skinny Teatox is a 100% natural detox tea program that promotes good health and weight. With the undeniably appealing website design, this Shopify store has been included in the list of the top 40 Stunning Ecommerce Stores Built Using Shopify. All the ingredients in Skinny Teatox are 100% natural. There are no chemicals or preservatives. Ingredients include: tea leaves, senna leaf, ginseng, chrysanthemum, cinnamon bark, cloves, rhubarb, ginger, and more. Press London PRESS founders, Georgie and Ed, developed a love for cold-pressed juices and had come to rely on them as a convenient, delicious and healthy part of their diets. This Shopify shop is committed to providing juices that are not only a source of daily enjoyment but also helping them add their daily much-needed nutrition. Nutriseed Nutriseed is a Shopify store passionate about nutrition. They have grown exponentially in the last few years, from humble countryside beginnings to a current state of the art British manufacturing facility. They have a hands-on approach which requires them to maintain a complete control over the quality of their products, from start to finish. They have almost 50k followers on Instagram, and over 200+ products sold a day. Cookbook VillageCookbook Village sold cookbooks originally on eBay and is now thriving on Shopify. The founders have a background in marketing and utilized their store’s blog, email marketing, and Google AdWords to streamline their business’ success. Best Shopify Stores for Electronics and Gadgets GameKlip Ryan French created GameKlip, which sells game controllers for smartphones. Since its launch, this Shopify store has been featured on Gizmodo, ABC News, PC World, CNET, The Verge, and even Ask Men, among a bunch of other magazines and blogs worldwide. Master and Dynamic For all the audiophiles out there, Master and Dynamic is selling high-quality headphones. The products from this Shopify store are part of the $1 billion headphone market and rival Beats by Dre with their quality. Studio Proper This Shopify shop is a product design studio that’s based in Melbourne, Australia. They define themselves as “focused on simplifying everyday interactions technology in a beautiful and minimal fashion.” The products that they offer include mounting solutions for the iPhone, iPad, and Apple Watch, desk stands, travel accessories, wall mounts, and much more. They keep their website design simple and minimal. Pencil by FiftyThree In 2015, Pencil won a Crunchie Award for Best Design and numerous IDSA awards for its packaging and computer equipment. This Shopify store has been praised by big names such as Business Insider and Times Inc. for their creativity. Studio Neat Studio Neat uses Kickstarter to fund their product ideas. In 2016, they launched a new campaign for a smartphone tripod, raising almost $210k in 30 days. Their goal was just $50k. ZeroGravity This Shopify store makes it on our list for their trendy tech accessories. Based in Los Angeles they design all of their iPhone cases in house. What’s interesting about them is that they have very intricate and vibrant designs that are embroidered on iPhone cases for all shapes and sizes, and a huge selection to choose from. Shopify Stores for Home & Furniture St. Frank This Shopify store sells beautiful, handcrafted decor. They have it all when it comes to decorating your house, as well as a website with a sleek looking design. You can find all sorts of accessories for your home from this Shopify store, ranging from pillows to kitchenware. Mignon Mignon is a small online boutique that started off as a kitchen goods retailer, before expanding to include other types of housewares and party provisions. This Shopify store been listed part of the 25 Shopify Store Examples That Will Inspire You. Hem This Shopify store stands out for its modern theme that matches the products. Each product page is accompanied by a detailed description as well as big imagery and description of the designer of the product. It is definitely one of the top Shopify stores in terms of appearance. Floorplan This top Shopify store is about rugs, rugs, and more rugs. Not only do they give you a wide selection to choose your favorite rug from, they also give you the possibility to create a custom rug, exactly how you imagined it for your home. Wrightwood Furniture Wrightwood Furniture started as a store in Chicago. Today, the company makes over 12% of their revenue from their Shopify store. Their online Shopify store is a lead generator for their physical location sales as well. Some Other Great Shopify Stores Worth Mentioning Canada Icons Canada Icons is an online Shopify store – and a museum – which sells Canadian brands and goods. The business revolves around telling stories and is proud of its Canadian heritage. Sugarfina Just a month after launching in 2012, Mark Zuckerberg selected the company as a Facebook gift vendor. This helped the company achieve $120k in revenue in its first year. By 2014, this Shopify shop was making $3 million in revenue. Pipsnacks Pipsnacks sells healthy snacks and is a Shark Tank success story. The initial Shark Tank investment was $200k in 2013. In 2014 the company made $800k in revenue and was expected to increase it by at least 800% in 2015. The Ghostly Store The Ghostly Store sells all sorts of things, from leather wallets and coffee beans to art prints and vinyl records. In 2012, this Shopify store formed a partnership with Warby Parker to create a new line of sunglasses. Pure Cycle The cycling industry is worth $6 billion. In 2012, Pure Cycle, then Pure Fix Cycle, sold over 2,000 bicycles and made almost $4 million dollars. Tattly Tattly started as a side hobby for designer Tina Roth-Eisenburg. Today, it’s a growing temporary tattoo business. In 2015, this Shopify store shipped 2.6 million temporary tattoos ranging from $5 to $15 per sale. UPPERCASE UPPERCASE is a small, independent publisher of books and magazines for the creative and curious. Founded in 2009, it is loved by readers around the world and has been recognized for its design excellence. This proud store has been on Shopify from its early days. It is number 83 in Shopify’s database. GoldieBlox is a construction toy series focused on problem solving, adventure and engineering. In 2013, thi Shopify shop was making $300k in monthly revenue from all its different toys and books. Leather Head Sports Founder of Leather Head Sports, Paul Cunningham, had such success selling his sports leather goods he had to switch from Etsy to Shopify. He hasn’t looked back since. Craft and Mason This company sells specialty coffee and delivers it to your door. The founders focused on counting their pennies from day one and providing real value to coffee lovers to help grow their business. Conclusion Which of these Shopify stores did you enjoy the most? Which one of the stores inspired you the most to aim high with your own store? These Shopify stores vary in their successes but they are all great sources of inspiration for a successful ecommerce. Most of these examples make thousands of dollars in sales each month. Some have a reputation for really cool clients like Ben Affleck too. Maryam Mohsin Maryam Mohsin is a Content Writer at Oberlo. She is devoted to ecommerce and dropshipping, and loves to help entrepreneurs with everything they need to know to build their own business.
Payday Loan Relief January 8, 2019 bizadmin Whenever we discuss debt, we usually consider the entire of the items we owe it doesn’t matter how it had been accrued or who we owe it to. Consolidate payday loans incorporated. While some people may define finding yourself in debt by the house mortgage or student loans, for other people debt may be based upon our past financial mistakes. Regardless of how much we owe, how long it will require us to repay it, or the way we arrived… it’s all regulated considered debt. It is just whenever we take a look at each kind of debt individually that people can understand all the various kinds of debt available. This will make it that people can respect the truth that whether we owe $1 or $1 million, to family or payday loan provider, that we’re likely to pay back what we should borrow since it is all considered debt. To know more about payday loan relief, keep on reading and do not forget to visit our website for more information. *Mortgage Debt~ This kind of debt is determined with a first mortgage on the home, a house equity credit line, or another kind of loan that’s guaranteed by owing a bit of property or property. A lien is going to be put on the home before the loan is compensated off. This kind of debt may provide an adjustable-rate mortgage (ARM) that will increase with time on the fixed-rate which stays the same for that existence from the loan. Having a home equity credit line, which may also be considered a “second mortgage”, the loan provider is compensated back after the very first mortgage is compensated entirely. The typical repayment term on the mortgage or credit line is 15 or 3 decades, but you will find ten years ARM’s like well. * Auto Loan~ Incurring debt by having an auto loan means borrowing a set fee for that purchase after which having to pay it to go back over a set period with payments (usually 24-60 several weeks). The eye rate is going to be fixed for that existence from the loan unless of course, the customer decides to re-finance for any lower payment per month. *Payday Loan~ Payday loans are short-term temporary loans meant to help individuals by helping cover their emergency financial issues or unpredicted costs. They’re unsecured without any collateral necessary to become approved. Many lenders don’t request credit rating. Debtors are anticipated to repay their loan with there next salary, but frequently occasions payday loan lenders will extend an individual’s payment term. Rates of interest are greater than most loans and therefore are fixed. The kinds of loans would be best for those capable of paying back their loans rapidly. *Student Loan~ Most frequently granted by the US government, this kind of debt can be used for greater education. Rates of interest are often reduced than other kinds of debt and repayment periods are often ten years, giving the customer sufficient time to graduate, find gainful employment, and payback the things they lent. These loans can transport very high balances based on in which the customer visited the school, the number of years it required these to finish the amount, and just how many levels they searched for. *Credit Card(s)~ This kind of debt originates from the buying of excellent and services without getting to pay for in advance. Creditors approve card holders for any specified amount that they may use on the turning basis as long as they make their pay per month promptly as well as in a minimum of the minimum amount needed. Rates of interest derived from the borrower’s credit rating and could be a few of the greatest rates compensated in the types of debt. Want to know more about eliminating payday loans? Visit our website today! While borrowing on credit could be a good, and often necessary financial means, you should know how each kind of debt works and what’s perfect for your financial scenario.
How to Figure Out If You’re a Workaholic January 6, 2019 bizadmin Are you a die-hard workaholic? There are a lot of signs and, in truth, most of those signals are very obvious to those around you. Yet, you may have no idea your entire life is centered around your work. Is it bad to be a workaholic? This is a hot topic for debate, with business personalities like Gary Vaynerchuk, Grant Cardone, Andy Frisella and many others coining a phrase first made popular by movie star and former California governor, Arnold Schwarzenegger. To paraphrase, all these men agree that any driven personality can thrive off 6 hours of sleep every night, leaving a full 18 hours to pursue your dreams. For the majority, whether the work itself is the ultimate manifestation of your dreams or merely a way to make those dreams happen, it needs to get done. The following infographic makes some interesting observations about how workaholics act and interact with the world. Whether you agree with the results or not may mean that you’re a workaholic in denial. You might also be really lazy and refuse to accept that you’re not doing the amount of work necessary to achieve your goals. The infographic is brought to you by Wrike free simple project management software When you start work and end work is a big factor The first two questions and their sub-questions are really interesting and make some tongue-in-cheek references to most people’s work habits. The animation of the red-eyed lady working at her computer could be interpreted in a number of ways including a woman who works way to hard, or as mentioned in question 1-C; someone who needs to drink or use some other kind of narcotic to actually get down to work. Time management skills warning signs of a workaholic The graphic/questionnaire takes some jabs at the difference in lunchtime habits between workaholics and regular folks. I don’t feel this to be a real factor, as what you eat is your choice and not indicative of work habits — Ie., eating at your desk might just mean you’re working toward a better work/life balance and want to get off earlier. Though, a trip to the local bar might not be the best lunchtime routine! Taking your work home with you is also mentioned (Ie., your boss texting you after hours). For an entrepreneur, business never sleeps. If you work for someone else, turning your phone off after hours isn’t a bad idea (just make this clear to management up-front). Workaholics don’t take vacations? The graphic makes some funny references about how workaholics view vacation time, and how they view those who take regular vacations. This is one of the most compelling sets of questions, as we have to take more time to ourselves than those mandated by local and Federal governments. If you or a coworker take more vacations than a company offers (Ie., sudden sick days when you’re not sick), neither of you can say you’re a workaholic, and your job/business is likely at risk! Work/life balance is key I encourage everyone to complete the questionnaire in the graphic and take an honest assessment of how you do and view your work. An entrepreneur obviously can’t avoid taking their work home with them, but we all need to take time to ourselves (and/or our families). We need hobbies and interests outside work, and need to take time to completely “turn off.” Not just our smartphones and other devices, but to turn off from work and turn on to life!
Financial Psychology Quiz: Are You A Millionaire In The Making? December 12, 2018 bizadmin Money may not be the most important thing in the world, but it can ensure you survive in one of the world’s most expensive cities, help you to enjoy the finer things in life and even bring that occasional ‘bout of happiness! The catch? As Dave Ramsey famously puts it, “You must gain control over your money or the lack of it will forever control you.” Understanding your behaviors around money can help you to better manage your funds, and we are here to help! Take our simple financial psychology quiz and discover your secret financial persona through deciphering common, daily situations! The musical/concert that you have been anticipating is finally in Singapore! Which category would you buy? A. Category A, VIP seats on opening night B. The mid-range category C. It doesn’t matter, as long as it’s free or sponsored! D. Let me check which credit card has the best rebates deal first! You find an unexpected S$50, what will you do with it? A. Indulge in small treats! That’s 5 cups of free latte and a happy hour session! B. Drop it into the piggy bank for a rainy day C. Let’s take a change at Singapore Pools! D. Spend it on a workshop that you have been eyeing You are waiting for your friend outside of the MRT station when a financial advisor approach you. What would you do? A. Half-listen and breathe a sigh of relief when your friend arrives B. Tell the financial advisor that you are not interested and scurried away C. Ask questions to fully understand the benefits offered D. Listen politely and ask where you can find out more info on your own You are looking at the movie listing for your Friday’s date. What catches your eye? A. The movie doesn’t really matter, as long as it is at Gold Class B. Free movie screening at the National Gallery looks good! C. The latest blockbuster movie D. Nothing looks as good as Netflix You just received a windfall of S$1 million, what will you do with it? A. OMG! Should I go on that luxurious Europe trip, get the Birkin bag or quit my job? B. Save at least half of it, and share the remaining equally with my family C. Invest as much as possible, and transform the S$1 million to many millions D. Consult a professional financial adviser to make the best of this fund It’s lunchtime and you realized you forgot to bring your wallet. What would you do? A. Borrow money from your colleagues/friends and promptly forgot about it B. You’d rather skip lunch C. Ask for a treat and promise the next lunch’s on you D. Found some spare change in the drawer! What do you do with your monthly income? A. Shopping, dining and enjoy life! B. Save the bulk of it in the bank where it’s safest C. Invest as much as possible to get the maximum returns D. Manage it with a budget and look out for good investment opportunities Which of the following best describes your spring cleaning attitude? A. What spring cleaning? Simply throw up the old when you buy something new. B. The tablecloth is old but it can still be used! C. A renovation may be required! D. What must be done, must be done Scoring Your Financial Psychology Quiz Results Mostly A’s: Happy Spender Source: GIPHY If you have answered mostly As, you’re likely to enjoy living life in the moment and would spend happily on goods and services without much considerations. Your loved ones and friends are likely to benefit as you get satisfaction spending money on gifts for others too. On the flip side, this means that you may be spending most of what you earn, or even racking up huge credit card bills! At the back of your mind, there’s a nagging voice going “you should save more”, but saving money is such a chore! Mostly B’s: Classic Saver Source: GIPHY If you have answered mostly Bs, you are the classic saver, who may sometimes be accused of being a hoarder, but your strong will power to withstand temptations to spend will ensure you to maintain a stable lifestyle. You do not dislike routine, as the Happy Spender does, and are often deemed reliable in the eyes of your loved ones. While saving is a good virtue, you need to learn how to save smart instead of save hard! A little research and further reflection can go a long way to put your funds to better use. Mostly C’s: Committed Financier Source: GIPHY Do you obsess over credit card points, or use comparison sites and download apps that track your budget or remind you when to remortgage? If you have answered mostly Cs, you are a Committed Financier who knows the value of maximising your money. You are likely to welcome changes and try new ideas, while keeping on top of money matters. Friends will hear the latest good deals from you, if only they think to ask. Mostly D’s: Keen Investor Source: GIPHY If you have answered mostly Ds, you appeared to be a level-headed individual who plans ahead. You understand that money may not be the most important thing in the world, but it is a necessary tool in all stages of life, and more is better than less. Instead of going to the extremes like the Happy Spender or Committed Financier, you tend to be content with what you have. You’re likely to be observant and have an eye for details. Answers Mostly As Mostly Bs Mostly Cs Mostly Ds Financial persona Happy Spender Classic Saver Committed Financier Keen Investor Savings determination || |||| ||| |||| Investment appetite | || |||| ||| Risk appetite ||| | |||| |||
Payday Loan Consolidation November 26, 2018 bizadmin Cashless transactions and immediate access to money from the next salary could make existence difficult when it’s time to pay for up. This is where debt consolidation payday loans enter into the image. To know more about payday loan consolidation, keep on reading and do not forget to visit our website for more information. Exactly What Is A Payday loan? It’s offer use when there’s a sudden necessity of finance, and also you cannot wait for a typical payday to make it happen. These loans are instantly recognized investments which, when requested, is going to be deposited into your account within 2 to 3 hrs. This loan is upon your next salary payment, and it has a higher rate of interest because of the short duration, and it is quick ease of access. You should also a have stable incoming salary payment to obtain these funds. The Issue The issue may begin whenever you remove a lot of payday loans plus they start mounting up for you. There are just limited burdens your family salary may take before it takes place that the quantity of money loans your debt is much more compared to the salary figure itself. Lenders may allow as much as two 30-day extensions often. Any default on these repayments or with such extensions means that the rates of interest will feel the roof because they are already on the higher scale. Many occasions, the nonpayment would result in some payday loan harassment. This is when debt consolidation are available in consolidate payday loans Lenders You may have multiple lenders for the cash loans, meaning 2 to 4 lenders with whom your debt money. All repayments take prescription different days in addition to charge different amounts. All of this will increase the confusion due to that you miss some repayments. A consolidation provides a simple solution. Among the lenders won’t negotiate using the lenders of the different loans, but he’ll also have the ability to give you credit on the significantly less rate of interest which too for a more extended period. He’ll repay all of your loans, and you have to only pay to him included in this plan of action. Debt consolidation payday loans could be transported out with unsecured debt consolidation or perhaps a guaranteed debt consolidation. Inside a secured debt consolidation, you may have to set up some collateral much like your home or some land. Within this situation, the eye rate comes lower drastically, and you will be also let off easily with regards to the cash. However, there’s an opportunity which you may lose your house if there’s any difficulty together with your repayments. Within an unsecured loan, there’s no collateral. So, there’s absolutely no way of having your home repossessed or another factor you’d put at risk. But the eye rate is going to be slightly greater instead of the guaranteed one. Conclusion Within this scenario of mounting costs and rising inflation, there’s always an opportunity you may have to get a loan for many of the needs. If a lot of payday loans are getting you lower, debt consolidation payday loans may be the chance you’re waiting. Want to know more about consolidating payday loans? Visit our website today!
Turn Your Unpaid Invoices into Hard Cash October 26, 2018 bizadmin Tired of waiting for your clients to pay outstanding invoices? If your business needs cash flow to continue growing, you may have thought about using invoice financing services already. Before you make a decision, you should compare the deals offered by different lenders. This useful infographic by Business Expert explains in four simple steps how this growing trend works. It also visualises the main benefits of invoice financing and how it can help save your business. Discover the principal industries that are using this financial service and how this market is rapidly expanding. Find out more about how to get funding for your business taking measurable and small risks.