A Review Of iMarketsLive MLM Business Results and Its Pros and Cons

In today’s modern world, people tend to find ways to make more money and achieve financial security on a long-term basis. Given these circumstances, networking marketing companies like iMarketsLive have been on the rise to serve as a platform that can help you earn more money. Although there has been a lot of excitement about these online opportunities, you must take time to conduct some research and know what this excitement is all about.

In this article, we’ll provide a wealth of information about iMarketsLive MLM business results and its pros and cons. Let’s check them out.

What is iMarketsLive?

Popularly known as iMarketsLive, International Markets Live is a multi-level marketing company that offers Cryptocurrency and Forex education, and signal services for traders. It aims to provide tools and services that will allow members and aspiring entrepreneurs to earn in the Forex markets. iMarketsLive was launched back in July 2013 by its CEO, Christopher Terry, who has been a professional and successful Forex trader for eight years.

In combination with Forex trading, the company operates in more than 120 countries, which is ideal for people who look for ways to profit through a local style of marketing and Internet marketing. Once you join in this networking program, you’ll have the chance to sell the system to other people, urge them to make an investment, and generate more commissions on your end.

If you want to know if investing in an MLM company is the best way to go, read an iMarketsLive review for a better decision-making process. 

What To Expect With The Company

Like other multi-level marketing opportunities, people who are interested in joining iMarketsLive should know how it works. If you consider taking this marketing opportunity, here are a few things you need to be familiar with before joining:

1.    Products – The company offers a variety of products. Its main product line includes financial trading software, which may cost several thousands of dollars when you purchase them separately. They are also used to help you profit through financial trading in Forex and analyzing the risk factors in the Forex market. Recently, iMarketsLive has included Cryptocurrency trading in their platform.

2.    Compensation Plan – The good thing about the company’s compensation plan is that it’s easy to understand. You’ll start as a customer by signing up for a membership fee. You can only waive your membership fees if you get two people to buy a membership package. In other words, you just have to convince other people to pay a membership fee, and you’ll earn a commission from it. As long as you know how to entice a broad audience, iMarketsLive can undoubtedly become a profitable networking company. However, if you don’t know otherwise, then you may end up quitting after a month because you don’t earn profits.

What Are the Pros and Cons?

Now that you know some essential things about iMarketsLive, it’s time to get familiar with the company’s pros and cons. This is to help you decide whether the program provided by the said business can be suitable for you. So, here are the pros and cons of joining iMarketsLive that you should keep in mind:


1.    Provides potential income even without recruitment – Almost all multi-level marketing companies will ask you to recruit and make a considerable downline to make money. While it remains that way, iMarketsLive is different in the sense that you can earn money by yourself through Forex trading.

2.    Has plenty of training materials – If you want to have a good background about Forex trading, investing in iMarketsLive can be a great idea. The company provides actual product support through videos, tutorials, training modules, and even live help sessions.

3.    Can take advantage of a reliable and long-term company – If you’re looking for financial freedom, joining in this company can be a beneficial option. This is through the commission plan and the education and software you can use with currency trading.


1.    Probably lose more than your monthly fees – You can potentially lose more money when you fail to recover your minimum purchase requirements and monthly fees. Also, you may also have to compromise your trading capital to deal with the currency markets.

2.    Need to upgrade to the platinum customer level – You can’t avail of all the training and software available if you don’t become a platinum customer.

3.    Costly – You’ll spend more money on the overpriced products due to its MLM structure, and a lot of risks may be involved regarding trading.

4.    Has restrictions on operations – The company has no authority to operate in the United Kingdom. The Financial Conduct Authority warns people about iMarketsLive providing products without their approval.

5.    Has poor ratings – The Better Business Bureau has rated the company with an F or poor rating because it received many complaints against the business, and the company took a long time to respond to complaints.


If you’re searching for money-making opportunities online that can help you earn a profit,

joining a networking marketing company can be either the best or toughest thing to do. With proper knowledge, skills, and resources, you can be successful in making money with MLM like iMarketsLive. Thus, if you don’t know anything about how iMarketsLive works, keep all of this information in mind to help make the decision much easier.

What to Ask a Financial Advisor Rochester NY Before You Hire for Your Business

Starting and growing your business can be exciting, but remember that you don’t have to do it all alone. A financial advisor will provide you with insight and direction when it comes to your business taxes, investments, and finances.

Finding a financial advisor that puts your interests ahead of their own is crucial. Here are some of the questions that you should ask a Rochester, NY financial advisor before you hire them to help you out with your business:

1. Are you a financial fiduciary?

Financial fiduciaries, such as investment adviser representatives or IARs and registered investment advisers or RIAs, are held to higher ethical standards. Your interests always come before theirs. Financial advisors that are not fiduciaries, such as stock brokers, don’t necessarily have the same legal obligation to act in your interest.

A straightforward way to ask if an advisor is a financial fiduciary is to just ask. They should have no problem putting their claim in writing on their company letterhead. Be wary of those who refuse to provide you with written proof.

2. Do you hold any active certifications or designations?

A financial advisor can have several designations and certifications. Here are four of the major ones:

  • CFP or Certified Financial Planner – A CFP designation is generally recognized as the gold standard in the financial services industry. A CFP has completed an extensive course, has several years of experience, and has passed an intensive 6-hour exam.
  • CPA or Certified Public Accountant – CPAs undergo rigorous testing to earn the designation, which is considered as the oldest and most established financial credential in many countries around the world. Most small business owners hire firms such as Davie Kaplan CPAs to help them with advance tax planning.
  • ChFC or Chartered Financial Consultant – This designation is granted to those who have completed 7 required courses and 2 electives, as well as 3 years of experience in financial services.
  • CFA or Chartered Financial Analyst – Holders of this designation have passed 3 comprehensive tests regarding investment analysis. CFA holders often become portfolio managers or analysts for financial institutions.

No matter which one of these your financial advisor has, always make sure that their credentials are legitimate and current. Verify the validity with the appropriate licensing agency or organization.

3. What services do you or your firm provide?

Remember that financial advisors do tend to specialize. For instance, some of them can only provide assistance and advice on investments, while others may deal only with financial planning or retirement concerns.

Choose an advisor or a firm that offers the services that you are looking for. In particular, hire a financial advisor that specializes in working with business owners and entrepreneurs.

4. How are you compensated for your advice and services?

There are 3 ways that a financial advisor is compensated for their services. These are the following:

  • Commission-based advisors are those who are often affiliated with large financial institutions and earn their fees based on the financial products they sell. As a rule, you want to avoid commission-based advisors because they have a greater incentive to push a specific type of asset or product when they are getting a cut from your investment.
  • Fee-based advisors are those who earn a percentage of your revenue or the asset that they are managing for you. However, like commission-based advisors, they are typically affiliated with brokers and agents, and may pressure you into selecting products from which they will earn a commission.
  • Fee-only advisors earn money through hourly rates or flat fees. If this is your first time hiring an advisor, most experts recommend choosing a fee-only advisor because they don’t receive commissions from product sales. They are motivated to get your finances right so that they can grow their practice.

5. Do you have any convictions or are there any ethical complaints filed against you?

Avoid financial advisors that have legal or ethical marks against them. Here are some examples:

  • Bankruptcies
  • Criminal charges
  • Unpaid liens
  • Disciplinary, administrative, and criminal investigations

Remember that while financial advisors are legally obligated to disclose ongoing and previous disciplinary actions, as well as any conflicts of interest, you should also do your own legwork to avoid making the wrong decision.


Your financial advisor will be one of the most crucial people that you bring into your business. They help you become more accountable, and they can offer valuable input and recommendations into the more complex aspects of your business. The right financial advisor will help you navigate the bumpy road to a successful business.

Why Opening An Account At Banks in Syracuse NY Can Help You Manage Money Better

No doubt that saving more money for future needs can be one of the best ways to build your wealth and avoid debt. After all, how you handle your savings significantly depends on your financial habits. If you’re using a piggy-bank, then you may miss out several benefits of managing your money better with a bank account.

If you plan on saving your cash for future use, read this article to learn some of the reasons why opening an account at banks in Syracuse NY can help you manage your money better.

1.    It’s safe

Having a bank account offers a better sense of security for your money. If you open an account in Syracuse banks, you’ll be able to protect your money from possible fires and thefts. Unlike keeping your wealth on your own, having an account in the bank will ensure that your money is federally insured in case your bank or credit union suddenly closes. Meaning, you can also get your money back even if the bank goes bankrupt or is robbed.

If you want to put your money in a safe place by opening an account in a Syracuse bank, there are many reliable banks and financial institutions that you can choose from. To know how you can get started, click here for more information.

2.    It helps you make profits

If you open an account, particularly a savings account, you’ll have the opportunity to earn profits. This is done by allowing your bank to use your savings for investments. In return, they’ll compensate you giving you a little amount of interest.

Moreover, opening some kinds of accounts in the banks means your money will be placed in liquid money market funds that allow you to generate more revenues. It’s important to note that earning profits can be an ideal way of managing your money.

3.    It’s cheaper

If you’re looking for a cheaper way to manage your money, then opening a bank account in Syracuse is a great idea. Here’s how banks and other financial institutions become less expensive when it comes to saving money:

  • Bills payment – If you don’t have an account, you’ll likely use money orders, telephone bill pays, and other outlets to pay your bills. Unfortunately, paying bills using these ways may cost you additional fees. With a checking account, you can save by writing checks for free or pay online at a less expensive cost.
  • Cash access – If you need cash, but you don’t have a bank account, chances are you’ll have to use your credit card to avail of a cash advance from an ATM. By using a credit card, you’ll be charged with a transaction fee and a corresponding interest. On the other hand, opening a bank account means you can withdraw cash from your bank’s ATM, free of charge.
  • Money transfer – Using a money transfer company as a means to transfer your money to another person’s account can cost you expensive fees. But, if you use your bank account to transfer money to another person’s account, you can save on fees because your bank will only charge a flat rate which is lower than the fees charged by a money transfer company.

4.    It’s accessible and convenient

You can manage your money better and improve your finances after hard times if you have a bank account that offers convenience. For instance, having a checking account means you can pay anything by checks or through online, and if you have an ATM or debit card for your account, you can pay at stores or withdraw money quickly.

5.    It gives you easy access to credit

By opening an account, banks can be aware of the flow of your money. If they noticed that you’re managing your money well, you’ll probably have the advantage to access credit easily. That’s because almost all banks and credit unions give credit to those who have existing bank accounts. Not only that but dealing with small loan lending companies can be expensive due to their high interest rates and lending fees.

Final Thoughts

If you want an organized way to keep and manage your funds for future needs, it may be time to consider these tips when opening a bank account in Syracuse NY. Although you opt for having bank accounts over piggy banks and check cashers, you still need to be familiar with some fees associated with banking. Depending on the account you want, you may have to keep a minimum balance to avoid charges or account termination. So, it’s better to shop around and choose the right bank that suits your financial needs.

Why to Use aptitude Test for Recruiting Teachers?

Teachers are the backbone of schools, education institutions and colleges. If you are an educational institution then you have to make sure that you have the right teachers employed. You cannot take a chance with the effectivity and recruitment of the candidates. Only the right candidates should be taken into consideration for the role of teacher. The point is teachers are not just going to effect the institution but the entire batches of students.

No matter which subject teacher a person is, he or she has to own   a strong logical reasoning, verbal aptitude and general numerical aptitude. It is so as to communicate with students and their parents in an effective manner.  You should make sure that you evaluate the calibre and capacities of your candidates before you appoint them as teachers in your institution.

It is true that a teacher has to be a great communicator. They require being comfortable with public speaking in front of any sized audience or group. They have to be a leader, but not excessively severe. Teachers should definitely have a strong knowledge of particular subjects and these also must be patient.  Of course these teachers need to commit huge amounts of time outside of the classroom meeting with students, as well as grading papers and reading. A teacher is never great at just one thing. It is an extremely demanding but equally rewarding profession that demands a number of various skills, and though various people believe they wish to teach not everybody is suited for it. And being the employers or recruiters, you have to be watchful about the candidates you are recruiting.

Use an aptitude test

You know an aptitude test, by meaning, is any kind of assessment that assesses the talent, ability and potential to perform a certain task, with no prior knowledge and or even training.  To simplify this thing, the point is that the test evaluated the general ability of the candidates. Whether verbal, technical, personality, logical, numerical or others; the test measures it all at a very basic level.  You would agree that everyone who is into teaching profession should have basic understanding of these general things right? What if the teacher is teaching language in the school but he or she lacks logical thinking? That would be really ineffective for the students. Sometimes teachers have to go out of their comfort zone to help the students. If the teachers don’t have the skills to act sensibly in other areas than just core competencies, it would be really unfair.

Aptitude testing is important

Many school systems, colleges and universities are beginning to utilize aptitude testing as portion of the interview process. An aptitude test for recruitment of teachers is specifically designed as a psychologically based sequence of questions and answers that gives the recruiting school a better understanding of how a teacher thinks, or how they are going to behave in any contextual situation.  These aptitude tests are not designed to trick those who take them, but rather as really investigative procedures used before recruiting someone in such an influential role. 

The test makes recruitment easy

Everyone who is applying for the role of teacher obviously has their degrees, education qualification and other certifications with them right?  They would flaunt their documents for sure. Butdo you think that is enough? If you were to take candidates only on the basis of their qualification documents and degrees then no candidate might have returned disappointed. In simple words all the candidates sitting in the recruitment program might have got the job. Here, the point is you have to distinguish the candidates on the basis of areas that are not their core areas. Of course, interview and resume evaluation segments will definitely take care of the core areas of the candidate and would have a lot more weightage. But having an aptitude test would tell you, the recruiter, and a lot about the teachers in general.

Now, what is the point if you recruit a person on the basis of their qualification and degrees but he turns out to be an extensive drinker? What if he comes to teach the students half-drunk? You would never endorse such behaviour right? The point is you have to look at the bigger picture before you decide. Once you have the behaviour, attitude, general calibre, logical reasoning and other similar aspects in mind about a candidate, you can take a much better decision.

Your reputation is on stake

If you are in a habit of recruiting teachers merely on the basis of their resumes and face value then you need to be prepared for a fall down.  Such teachers do not survive a longer race. Moreover, they might be working in your organization but you have no idea how they might be tarnishing your reputation. For example, if you have a fantastic maths teacher and you have recruited him on the basis of his maths qualification; you must be proud right?But what if he is good at just Maths but nothing else that is required out of a teacher? For example what if he does not know how to behave and talk? That would be a slap on the face of your business right? You would never wan students or the parents say that you have teachers who don’t even know how to behave.

Moreover, sometimes it is not just about the marks and grades alone, but about overall environment. If your teachers are morally corrupt, always tell a lie, get into fights and beat students; such things would not be tolerated at all. These things would rather harm your hard earned reputation and name. You have to be careful about all these things before you get anyone on board for teaching in your organization. And the best tool to know about the behaviour and attitude of the candidate is through psychometric test. It dives deeper into the layers and gets you the information.


So, even for recruiting teachers in your institution you do need an aptitude test. You cannot afford to have ineffective and shallow teachers in your institution.

Tips To Help Make More Money When You Don’t Have Much Work

Whether you want to pay your debt or improve your monthly income, there’s always a lot of opportunities to make more money. In today’s digital world, the amount of extra money you can make isn’t limited by the Internet. As long as you love what you’re doing, you can generate a few hundred dollars each day.

If you need extra cash and you don’t have much work to do, here are a few tips that can help you make more money on the side:

1.    Take surveys online

This is one of the best ways to earn extra income during your free time. Since it doesn’t need any experience before you can start, taking online surveys has become in-demand these days. There are a lot of websites that offer online surveys to users like you. These surveys are conducted on behalf of companies who need the consumers’ feedback and suggestions to improve their products and services. Once you commit your time and effort in taking their surveys, you’ll get a reward in the form of cash, gifts, and some other prizes. However, be sure you’re only dealing with legitimate websites that conduct paid survey opportunities.

If you’re interested in making money online in the easiest way possible, there are resource websites for anyone looking for jobs that can help you get started.

2.    Start blogging

If you have a background in blogging, then it’s something that you can make more money from, especially if you don’t have much work. From reviews and commentaries to articles and recipes, you can create a solid income out of it. Just sit down in front of your laptop, spend some time and effort to build your site, and you’ll become one of the most-paid bloggers online. With your love for writing, you can begin a money-making online job in no time.

3.    Sell unwanted stuff

If you don’t have much work to do, it’s time to declutter your house. Take that opportunity to clear your living space clutter and earn extra cash from your unwanted stuff. From clothing and electronics to toys and pieces of furniture, you can always sell them in a garage sale. However, if holding a garage sale near your home isn’t your thing, some websites can help you sell some used items at a considerable price. All you’ll need to do is post your items and sell them for the most money. In a day or two, you’ll get the income you’re looking for.

Moreover, you can also put up an E-commerce business through your unwanted stuff. Once the business is established, you can start choosing an E-commerce niche that you can make money from.

4.    Be a translator

Considering the kind of global culture we have these days, there’s no doubt that translation services have become an in-demand job opportunity to generate side income. If you have a background in translation or you’re a bilingual speaker, there’s plenty of work coming your way. As long as you have the experience and skills, you’ll get paid with a fair wage for a translation service.

5.    Work as a pet sitter

Being a pet sitter is something you can earn money from if you don’t have work to do. If you’re a pet lover, this kind of side job can bring in more income to your wallet. As long as you have some necessary supplies, you can find clients who need your pet sitting services. Of course, you’ll have to work on this job during your free time.

6.    Be a website tester

Nowadays, getting paid to test websites is a real deal. Many businesses are willing to pay people just to visit their websites and try their different functionalities. This is for the purpose of testing the user-friendliness and functionality of the websites. If you’re not busy, browse some sites that will pay you for every site review you’ve done. That way, you can generate more money on the side.

7.    Try affiliate marketing

If you have excellent marketing skills, why not try to be an affiliate marketer so you can gain more money while you don’t have much work? Affiliate marketing is a method wherein you’ll have to advertise a product or service in exchange for a commission on the sales. The good thing about this kind of sideline is that you don’t need to interact with people personally. You just work on your laptop or computer and promote something to drive sales.

8.    Get paid to browse the web

Although this kind of method is a small earner, it’s still a legitimate opportunity to earn more money. There are also websites that will happily pay you for every web browsing you make. In order to get more traffic to their websites, companies are eager to spend any amount on it. This is the reason why there’s still money to earn from surfing.


Making extra money online can be a great way to boost your financial situation. Even if you have a full-time job outside, it doesn’t mean you can’t gain a stable side income. If you’re looking for ways to earn extra money when you don’t have much work, never hesitate to use this article as your guide.

Key Ways To Improve Your Finances After A Hard Turn In Life

The unpredictability of life makes it beautiful. Because you don’t have any idea of what will happen next, you’ll be excited to accomplish different tasks, meet new people, and just live your life to the fullest. But on the other side of the coin, this unpredictability can also become stressful. If you’ve experienced going through a divorce, bankruptcy in your business or lost a job, your financial life might be adversely affected. If you don’t know how to improve your finances after a hard turn in life, the quality of your life will take a turn for the worse. 

Your finances play a significant role in your life. If you know how to budget your money well, you’ll be able to live comfortably and afford all of your necessities. But if you don’t, you’ll end up being buried in debt. If you’ve recently experienced a hard turn in life, pay attention to the following tips so you can improve your finances:

1.    Seek professional advice.

Determining where you stand in your debt and how you can get it rid of it can be stressful. If this is your first time to control your finances, you might be clueless on how and where to start. Fortunately, you don’t have to go through all of these alone. To ensure that you’re actually starting with the right foot, hire professionals who have a financial planning license. They can help your financial life by creating a budget especially for you. Hiring them might cost money from your pocket but think of it this way: you’ll save yourself from unwanted stress, and you won’t have to waste your energy in trying out strategies that you aren’t sure will work.

2.    Don’t play the blame game.

There are many reasons why your finances aren’t healthy. It can be because you tend to overspend, don’t know how to budget or you’re receiving too little salary. Instead of blaming yourself for the wrong financial decisions you’ve made in the past, take note of these and make sure that you don’t commit the same in the future. Determine which areas you think should you improve on and gradually work on each one.

3.    Get ready for the next financial crisis.

As mentioned, you can never predict what will happen in life. You might have enough financial resources today, but you can never say the same in the next few months. If you don’t want to fall into another financial turmoil, prepare for your next financial crisis. You can do this by establishing good financial habits, building emergency funds, and paying down all of your existing debts. You should also follow a specific investing strategy and improve your professional credentials. Don’t be too complacent in having a stable job today. Remember, the economy is cyclical, so it pays to be prepared.

4.    Become the head of your financial household.

Your financial resources are crucial when you’re the breadwinner of the family. Aside from sustaining your own expenses and paying the monthly bills, you have to make sure that all of your family members can enjoy both their needs and wants. Budgeting will be essential especially when you’re still sending your kids to school. To enjoy a healthy financial life, work on a budget of the household as if you’re the head of a company. With this role, you should be able to manage the cash flow, learn when to delegate expenses, create long-term financial plans, and schedule regular monthly meetings with the entire family. You should also know how to spend bonuses whenever you receive them.

5.    Consider a side hustle.

One of the most common reasons why you’re living from paycheck to paycheck is because your salary isn’t enough for your expenses. And even though you try your best to minimize your expenses, most of the time, your efforts won’t be enough. Another solution for this kind of situation is by getting a part-time job. Depending on the schedule you have at work, you can work part-time during the weekends or after office hours. There are a handful of part-time jobs available today so no matter what your skill set is, you’ll surely find one that fits.

It Requires Investment

There are actually a lot of strategies on how you can improve your finances, and they’re not merely limited to the tips presented in this article. But no matter what strategy you plan on using, always practice patience and consistency. Repairing your finances after a hard turn in life will require time and effort, so make sure that you’re willing to invest. 

Tips To Find The Best Cloud Accounting & Bookkeeping firm in Boston

Every business needs to maintain books of all their records of financial transactions. These financial books will also show you your income and expenses. In turn, all these records will help you evaluate your business better and pay appropriate taxes. Right now, you can already have your accounting on the cloud or done by a bookkeeping firm. Here are some tips on how to find the best cloud accounting and bookkeeping firm in Boston.

1.      Costing plan

The first thing to do is to ask about their pricing plan. This will serve as the limits of which bookkeeping firm you can afford. Budget will put the restraints on which services you can use. If they’re pricing by the hour, then this may not be very good for your company. This is a bad idea because virtual bookkeeping services consists of the cloud, which should not be priced per hour.

Cloud accounting and bookkeeping firms must offer a flat rate pricing. This can be a monthly fee for a set of services rendered. This is a good sign. Boston CPA Services Company, for example, is a firm that offers a fixed flat rate pricing for services rendered.

2.      Ask about their deliverables

It’s important that you know all the services the bookkeeping firm will be rendering. The cloud accounting and bookkeeping firm should be able to send reports out to you on a regular basis. You may also check with them how frequent this will be and if they’ll be reviewing reports with you. Each and every virtual bookkeeping service should have this provision for you. It might cost more than the cheapest package, but the option to choose this service should be made available to you as well.

3.      Check for the experience of the firm

It’s best if you get a firm with great experience in the industry. When you’re inquiring about their services, be sure to ask in-depth about their experiences to avoid wrong assumptions. After asking questions, you can do some background check on the firm.

Dig deeper by asking others who have been their previous clients. Ask about their experience with the firm and check how much they were charging. Do some research as well on the technology on cloud and virtual accounting. Make sure that the accounting firm that you’ll be hiring has the best kind and updated technology available.

4.      Make a comparison

After getting information from your prospective firms, you can now make a comparison among the firms. Put the firms side by side and make a comparison. Check out their price points and the services they each offer. Compare each of their experiences as well and years of service. See if their technology keeps up with the times. As check and balance, ask for each of their reference clients and call them about the services of the firm.

5.      Consider your needs for your business

The best cloud accounting and bookkeeping firm will be based on your business’ needs and business model. Be careful to tailor fit it to your needs and how your business operates. Depending on which industry you’re in, you might need to consider a specialized accounting software that can be designed for the kind of business you have.

For example, there are customized accounting software for manufacturing companies. There’s also types of accounting software for restaurants and retailers. In this part, doing your research will play an important part. So, make sure you do in-depth research.

6.      Choose your firm with the help of your accountant

It’d be better if you have your accountant by your side when you choose your bookkeeping firm as they’ll be the ones who understand and do the work. Every business will be different, and your accountant will have the most educated opinion about which software and programs your business will need.

In customizing your software, the accountant may be able to give some valuable contributions as how to go about this. This is why it’s very important to get the opinion of your accountant on matters like these. Someone experienced by your side will be able to inform and advise you the right way.


Maintaining the proper financial statements may require some effort and a large amount of time. So, instead of putting in your own time and effort into this, it’s better to have these kinds of services outsourced instead of hiring and training your own team of accountants.

National Debt Relief Review

If you are engulfed with high debt and considering of filing for bankruptcy, you may consider checking out National Debt Relief first. It is basically a debt settlement company that negotiates with your debt creditors to lower your current debts. The company has A+ BBB rating and many customers have already claimed that they have been saved by National Debt Relief.

Details of National Debt Relief

  • Services Offered: Debt Settlement with the option of direct negotiations.
  • Minimum Debt for Consideration: $7,500 of eligible debt.
  • Normal Turnaround Time: 24-48 months.
  • No consultation and cancellation fees.
  • Service Charges: 18-25% of the total registered debt.
  • Ratings: A+ BBB rating, Trustpilot rating of 9.4.
  • Accreditations: American Fair Credit Council, Better Business Bureau, International Association of Professional Debt Arbitrators.
  • Accepted Debt Types: Medical bills, credit cards, lines of credit, personal loans, business debt, and student loans. Secured debts are not eligible for consideration.
  • Customer Service: Phone, live chat, and email.
  • For more info, Face The Red offers reviews of NDR on their website.

How Much does it Cost?

The service charge of National Debt Relief is usually between 18 to 25% of your total registered debt over two to four years. However, the exact percentage rely upon the total amount of your registered debt and the state you reside in.

For example, to pay a $10,000 debt over three years with a median 15% interest rate, your total debt would end up at $15, 639.44 when you are ready to negotiate. Your service charge would likely fall between $2,815 and $3,910.

How Much Can You Save?

The amount you would end up saving depends on the total amount of debt you have and how successful the company can be in its negotiation with your debt creditors.

According to customer testimonials found on the BBB website, some customers claimed that they have saved a significant amount of money, while there were few others who said that they were hit with hidden charges and end up paying more than their original debt.

Pros of National Debt Relief

  • You will not be paying any upfront fees and you will only be charged after successful negotiation of your debt.
  • If you are not happy with their service, you can cancel your enrollment with a 100% money-back guarantee.
  • The company also consider some type of student loans for negotiation.
  • You only need to have $7,500 in minimum debt to enroll.

Cons of National Debt Relief

  • Even though the company claims there is no upfront fees or cancellation fees, some customers at the BBB website claimed this is not true and they have been charged with hidden fees.
  • Debt settlement is a risky step that can damage your credit score in the long run.
  • Secured loans like car loans, mortgage or other types of loans with collateral are not eligible for debt negotiation.
  • Unfortunately, the company right now works only in 41 states.

Is National Debt Relief Lawful?

Yes, the company is perfectly legal and BBB accredited company since 2013 with a current rating of A+ based on transparency in its operation and time spend in the business. The company currently has 4 out of 5 stars according to 340 customers who reviewed the company. On Trustpilot, more than 11,000 customers have reviewed the company with an average rating of 9.5 out of 10.


Debt settlement is a risky step and should not be taken lightly. It has a direct impact on your credit score and should not be considered unless you want to stay of debt thereafter. Only if bankruptcy is your only remaining option, National Debt Relief might be worth a try.

4 Tips for Saving Money While Visiting Another Country

Traveling to another country is always a fun and interesting experience, but it can also be quite expensive if you’re not prepared to control your spending habits. On the other hand, you don’t want to be too cheap either because you might wind up feeling like you missed out. Luckily, there are plenty of ways you can see all the best sights and scenery a destination has to offer without breaking the bank. With that said, here are four tips you can use to save money while visiting another country:

1. Send Money Back Home

The first thing you may want to do once you’ve decided you’re going to limit your spending during your trip is transfer money to a family member or friend whom you trust, so they can hold onto it as a reserve. If you’re walking around with a bunch of money in your account, you might fall into the temptation of splurging on something expensive. By putting a cap on your available funds for the trip, you can strictly enforce a set budget.

2. Opt for Free or Low-Cost Attractions

It’s easy to overspend when you’re visiting nothing but top-notch tourist attractions, shopping malls, and restaurants. Consider taking the “beach bum” approach instead – enjoying nature’s beauty for free. Beach bums have virtually no living expenses, yet somehow many of them manage to live in beautifully exotic destinations whereas other people pay thousands just to visit the same place for a week. While we’re not advocating intentional descent into homelessness, the point is there are plenty of parks, beaches, landmarks, and other natural attractions that won’t cost a penny to see.

3. Commute By Bicycle or Walk

If you rely fully on the public transportation system, chances are there will be places that are beyond the reach of the bus or train routes, especially the more majestic rural wonders of the area. Taking a cab is going to be expensive, especially if you’re trying to go out of town. Consider the advantages of buying a bike for commuting while on vacation. You can spend $100 on a functional bicycle and have the ability to travel at no cost other than leg power, or you can spend $100 on a single taxi ride – the choice is yours.

4. Go Camping Instead of Staying at a Hotel

Everyone wants to stay at a luxury hotel when they’re on vacation, but you could do so much more with your money if you camp instead. Many national parks have campgrounds, so you have the added benefit of being able to sleep near major landmarks and attractions. You might not get a pre-packaged continental breakfast and spa treatment, but waking up to fresh air, serene surroundings, and fantastic views makes it almost as good. In fact, someone would argue that camping is more fun than staying at a hotel.

Vacations Don’t Even Have to Be Expensive

A lot of people think that vacations are so prohibitively expensive that they can only be taken once or twice a year. The truth is, if you have the free time available, with discounted flight tickets or a vehicle that gets good gas mileage, you can take a decent vacation for less than $1,000 as a single individual.

Other ways you can save money on vacation include using rewards credit cards, taking advantage of online booking deals, and traveling to countries where your currency is worth more. Ultimately, the best way to have the most fun for the least money is to thoroughly plan your trip and allocate a budget for everything beforehand.

How Coworking Spaces Save Your Business Money?

Are you a freelancer, digital nomad, or someone who works from home or café?

Yes? Well, at some point, a café, garage or home no longer cut as a workspace and coworking space could be your next step.

What Is A Coworking Space?

Coworking space is an informal room sharing arrangement where work and businesses are based on the sharing of common ideas between its participants. This space involves both, individuals working independently and collaboratively.

It is a lot more four walls, desks, and a stable internet connection. As you start working there, you interact with like-minded people; enjoy an interactive work environment, have a better work-life balance.

Coworking spaces are becoming popular every day and can be now found all over the world. According to global coworking spaces forecast, the number of these spaces will be over 30,000 in 2022, and members are expected to be around 3.8 million by 2020 and 5.1 million in 2022.

The popularity of these spaces is undeniable. But how does a coworking space benefit you? Does it help you save money and make more revenue, or only space works for you? Continue reading.

How Shared or Coworking Space Saves You Money?

While it acts as a necessary foundation to establish your business, here is how it provides you with monetary benefits:


  • Coworking Spaces Are Already Furnished


It is no surprise that furnishing an office is expensive. Not only, you have to invest money for it, but a lot of effort is also invested, which otherwise are saved by opting for co-working spaces.

When you leverage a coworking space, arranging chairs, tables, filing cabinets, drawers, and more is not your part of the job. Some space providers even customize the area on your request.


  • You Save on Amenities Cost


If compared to the traditional office space, you only pay for the desk space that you need in the entire workspace. All the amenities in the coworking space like break rooms, meeting rooms, and kitchens are communal and work on the model of shared use of resources.

However, if you plan to offer coworking space service, the office space for rent Ottawa also works as a great option. A 2018 research published on Building Design + Construction found that 72% of landlords agreed that co-working operators with a strong brand have benefits for their development.

Saves Your Time

Time is money, and it goes without saying!

Whether you own a small or medium sized business, startup, or work as a freelancer, the vendor, lease, and network issues will not eat into your time. Neither your pocket!

Provides You with Flexible Spaces

New startups are not sure when they will grow or need an extended foot area. So, if you rent a larger space, you will end up paying for the entire contract, regardless of your team size.

But a coworking space takes off this worry. You will only have to pay for the desk space or foot area, which you are going to use initially and the owner will let you use a larger area when your company grows.

Apart from saving you money, other factors that drive its popularity include flexibility in usage of space, economic benefits, networking opportunities, the presence of in-house staff such as administrative team, improved time management, professional setting, and lot more.

A Harvard Business Review research also found, 89% of people reported that they are happy, since they have joined a workspace.


If we look back, coworking was considered to be a trend, which many of us believe would fade away. But with new benefits emerging every day, it is coming up as a global phenomenon. They are giving independent businesses a whole new innovative work-life approach and owners are also adapting it.

With this, we can say that coworking spaces are here to stay, and its growth possibilities are endless.

Guide to Writing a PhD Finance Research Proposal

Before you start writing a PhD thesis in some universities, it is necessary to prepare a proposal for research (Research Proposal), which will become the basis of a future dissertation. The research proposal is normally presented at least 4 months before the thesis is presented and is the second mandatory stage of work on it after coordination and approval of the thesis topic.

When writing a professional PhD research proposal from scratch, students necessarily reflect two dissertation preparation blocks:

  • theoretical and methodological part of the thesis;
  • research part of the dissertation.

The theoretical and methodological part describe the relevance of the topic of the finance PhD research, establishes the problem area, the object and subject of research, as well as the purpose and objectives of the work associated with the hypothesis (hypotheses) of the study. The first part also includes an analysis of the main sources of literature – a review of the key sources in this area, as well as a proposal for working with primary sources, including periodicals, research data, etc. Based on the plan and concept of the dissertation, a brief description of the future work, its structure is given.

In the research part, on the basis of the hypothesis put forward (hypotheses) of the research, the methodology of the future research, the design, the expected results, the system of the methods used are described, the validity criteria of the research are established. The research proposal is approved by the student’s supervisor, agreed with the head of the master’s program and defended before the supervisor.

A research proposal is a document that describes in detail what is planned to write for research work on a specific PhD project. To come up with material that will serve as the basis for a successful proposal, you need to think over and prepare a topic. Once you have a topic, review the literature to identify gaps. This will help you identify and highlight the problem area. It will also provide an opportunity to add body and demonstrate knowledge. The introduction is the next stage where you can formulate a statement of the goal, which describes in detail why the topic is of interest and importance. You can do this by highlighting the gap you have noted and the relevance of the solution to the main problem. This will give you a guide on how you should argue, suggesting a field of study.

The research question should be properly described with clearly defined goals and objectives for the results. A preliminary bibliography can also be constructed by writing links, pages, authors. Titles and publication information. Specify the methods that will be used to collect your data; for example, if you conduct informal interviews or hand out questionnaires. Depending on the topic, the focus group can also be used to collect accurate information. Review your audience and understand that they need a comprehensive offer to follow your proposal, accept its ingenuity and welcome your choice of learning.

If you offer a narrow topic or an insufficiently defined area of  study, you can instill confidence in the reader by compiling a list of resources that you will consult to obtain conclusive evidence and results. Such as: documentaries, publications, magazines, newspaper records and even biographies that will support your research.

It is important to demonstrate that you can complete the work on time or at the time set by the institution. This will be demonstrated when discussing data collection and analysis methods. Be sure to include the ethical permissions required for your research, if necessary. Sometimes approval is required depending on your training method. For the safety of the participants involved, it is necessary to ensure that the investigation is conducted with respect. It is also useful to mention a methodology that differs from the method when writing a good research proposal for PhD application. Methodology refers to a theory that justifies the method of research that you have chosen to comply with. Given these few simple instructions, you can write a good research proposal.

The Omega seamaster aqua terra is a Smart Choice for Business

Watches are objects that are related t fashion and are responsible to add the dash of elegance to your overall look. No matter how dramatically you choose to dress for an event hoe perfect your combination of attire may be, when it comes to the complete look, a watch can make substantial difference. Hence, it is always must have for fashion pro people to have a perfect collection of watches in their closet.  When it comes to luxury watches, one finds no dearth of choices in the market. However, if you have a taste for a watch that will render your identity a completely new dimension, opting for an omega seamaster aqua terra would be a smart option. A watch that dominated the European lands for long and bow ruling the world with its sophisticated appearance would be a valuable addition to your fashion wardrobe.  Be it a party, an office meeting or a candlelight dinner, your personality will find the right vibes in every occasion as long as you augment your wrist with a fine timepiece from the house of omega seamaster aqua terra.

The evolution

Immediately after WWII, when the market was finding ways to survive and the world economy was going through depressions, the watch industry faced a crisis as well. IWC Portuguese, also known as IWC Portugieser, with its inception around the late 19th century, had to suffer the same. However, their efforts to come up with something new that will suffice the requirement of the new age made them a permanent and renowned name in the market over time, the revolutionary designs and the adaptation to apt and perfect technologies marked success for IWC Portuguese. Though the market always had and will have its own ways to move, this brand has made substantial impact on the watch lovers with its carried range of collection and unconventional designs.

The variety

Specialized in making military watches, sports watches and aviation watches, IWC Portuguese has always been innovative in its approach. The Swiss Luxury brand was incepted by an America Engineer and has always remained as a top preference amongst all the watch lovers worldwide. There are multiple varieties available to meet the varying requirements of the customers and the designers and watchmakers at IWC Portuguese have always kept in mind the easy to use technologies in mind while crafting these timeless timepieces. A perfect pick for all, these watches come with stunning styles, exceptional elegance, superior mechanism and the brand trust of IWC Portuguese.

The design

The Arabic numerals, the oversized subdual, the pared-black dial and a thin bezel are some of the characteristic features that defined the class of an IWC Portuguese. However, with the modernization of the brand, it has integrated other forms of numerals, colors of dial and shape of the bezel to make the watches look urban. The slim hands, the railway track design chapter ring and the Deco-style Arabic numerals are the latest additions to this watch that make it a must for all who has fine taste of aesthetics.

What Are Working Capital Loans and How Do They Work?

The failure rate of small businesses shows exactly how difficult it is to survive in the competitive markets of today. The fact that the main reason for this is cash flow problems indicates that working capital loans can become ‘lifesavers’ for many companies struggling to keep afloat. However, despite its efficiency, this tool will only work when used correctly. Therefore, it’s essential for business owners to understand when exactly they should use this type of financing and how much money they can afford to borrow.

Understanding Working Capital Loans: 3 Basic Questions Answered

What is a working capital loan?

A working capital loan is a loan that a business can take in order to obtain working capital to cover its immediate needs. This is a loan only fit for using in short-term, so one shouldn’t rely on it to finance long-term plans. These loans usually have very high interest rates, so they should be repaid as fast as possible.

The majority of working capital loans are secured with the company’s assets. However, many lenders today are more flexible about their terms than traditional banks and credit unions. Therefore, you should look up reliable sources that have working capital loans explained. They will provide you with a list of top lenders so you can study their individual terms. Those financing sources often provide unsecured loans that have minimum eligibility requirements. Therefore, they are available even to new businesses and those with a bad credit score.

How does a working capital loan work?

A working capital loan works like any other loan, only you use it to cover the everyday expenses of your business. This type of loan can be a good choice for businesses that depend on seasonality, as it will tide them over through a slow period. It’s the same for any company that experiences a shortage of liquid assets due to some issues and needs some cash flow to get back on track.

The most common uses for working capital loans are:

  • Wages
  • Hiring new stuff to handle a holiday rush
  • First time payments of increased business insurance premiums
  • Important and immediate purchases (for example, some type of supply is available at a great discount if you buy it in bulk on a time-limited offer)

How to calculate the size of the working capital loan you need?

The logical way to determine the size of a working capital loan you need is to calculate your working capital. Then, consider how much money your business actually has, and take out a loan to meet your needs. You can use a Net Working Capital Needs Calculator to help you.

However, business loans aren’t that simple. In the majority of cases, a company might not be able to take out a loan to match their needs exactly because they can’t afford to repay it. The cost of the loan as well as its impact on your revenue projections must be considered when calculating the amount.

How to Make Sure a Working Capital Loan Truly Helps Your Business

A working capital loan can literally make or break your business. Therefore, it’s imperative to consider this financing very carefully. Taking a loan will provide your business with the cash to meet its immediate needs, which can help you either gain an advantage or avoid failing.

The main concern in regards to working capital loans is their high interest rates. Those are the reason why this kind of financing is only viable as a short-term stopgap measure. If you try to use it for a while, your revenue might not be able to cover all necessary business expenses as well as the cost of this new loan.

Note that missing payments on working capital loans is extremely bad. Not only does this make your debt grow fast, which can put you in a position worse than the one that made you seek financing in the first place. But the missed payments will also lower your credit score. If you use the services of online lenders, this would be your personal credit score, not the company’s. This will make it harder to obtain any financing in the future.

Therefore, you need to do your calculations carefully and make sure that you borrow only the amount of money you can afford. In this particular case, it’s best to go with less than take out a bigger loan than you need, which comes with bigger interest rates and other issues.

The good news is that obtaining that kind of loan won’t be a problem at all. Online lenders today make this process easy and you don’t even need to provide any excessive paperwork to prove your need for a working capital loan. Banks are very reluctant in giving loans to small businesses today, so alternative lenders might be your only chance to get the money you need to keep your company.

Know The Best Employee Scheduling Solutions On The Web

Is your business not running as well it should be?

This is a major point of concern for millions of businesses around the world including some of the larger corporations in the world. However, it’s important to understand where inefficiencies begin to develop leading to negative results. One of the main concerns that have been noticed by experts includes the misuse of scheduling processes by businesses. The processes are often all over the place leading to sustained negativity and gaps in efficiency.

To avoid this predicament, it’s time to look at the value of an employee work schedule app for modern companies.

What is Employee Scheduling?

Employee scheduling refers to the idea of organising and managing the workforce in your business. For example, let’s imagine a factory with 100+ workers clocking in and out throughout the day. This can lead to severe inefficiencies in how the hours are dispersed and how well the factory functions on a day-to-day basis.

This is why many businesses are now venturing towards the use of free employee scheduling software for their setup.

Benefits of an Employee Scheduling App

1) 24/7 Accessibility

Let’s begin with a simple benefit that has proven to play a role in how well a business does with its workforce. In general, managers will look through their records once a day and assume everything is okay. However, true efficiency is seen when the business is easy to monitor around the clock without causing issues.

Instead of dealing with these troubles, it’s highly recommended to consider all of your options and move towards a more well-rounded solution. The app is designed to provide around the clock accessibility without having to worry about missing out on potential scheduling concerns. Everything can be seen through the app ensuring people are on the same page.

This alone can ensure the business is heading towards better results.

2) Improved Efficiency

Efficiency is the number one requirement for modern businesses and that’s what a scheduling app brings to the table. It’s one of the finest ways to make sure everything is running like a well-oiled machine. With the app, you are able to look through everything as it happens to ensure the workforce is being utilised to its fullest potential.

There are many ways to become more efficient and that is what a business has to keep in mind. For example, a business is going to need to look at how much money is being spent per hour on its employees and whether or not there are slow periods during the day. If so, the scheduling app can start to show where the issues lie.

Before these apps were available, most businesses would do things manually and there is always room for error when such an approach is taken. For those serious and wanting to make a change to their business operations, a quality employee scheduling app is able to ensure everything runs smoothly over the long-run. A simple change such as this is going to illustrate where a business needs to focus as it looks to take the next step.

3) Consistent System

When it comes to employee scheduling solutions on the web, you will want to enjoy the consistency that comes with an option such as this. You are able to play around with the settings and get it to work for your needs. This customisation is what people enjoy because everything will continue to run as desired.

The scheduling app is all about nailing down specifics and figuring out what works well for the business. As soon as you spot an issue, you are able to fix it and bring the business back to how it needs to be.

4) Easier to Spot Flaws

Flaws pop up all the time even in the finest organisations in the world. When this is a problem that has to be dealt with, you want to know what is being put in front of you as a business owner. Since scheduling is a proven troublemaker, it is best to spot flaws as soon as you get the opportunity to do so.

It keeps things simple and you are able to find those pesky flaws well in advance.

Otherwise, a business may continue to push forward assuming nothing is wrong until it is time to look into their accounts.

5) Promotes Collaboration

Professional employee scheduling solutions on the web encourage collaboration and that alone is a great way to push your business to the top of its niche.

As employees learn to work together, this can be a wonderful way to learn more about what the workforce has to offer. Many businesses get stuck with the status quo and assume this is more than enough for them to get things done when that’s not always the case! You want to be able to use the scheduling app as a launching pad for a better run organisation.

Even a small group collaboration can be managed with a scheduling app.

6) Increased Automation

Automation is the way of the future and it is something you have to keep an eye out for as a business owner. Scheduling is one of those issues that pop up from time to time and you want an automated option by your side. A simple addition such as this is going to make all the difference as you hope to figure things out.

Instead of relying on a manual solution that doesn’t account for everything, why not make the most of an app such as this? It can be a game-changer for the business as it moves forward.

Final Thoughts

Premium employee scheduling solutions can make a tremendous difference in how a business runs on a daily basis. Subtle changes such as this can go a long way in bringing everyone together and optimising the workplace. In the past, many businesses wing this part of their operations and it leads to increased inefficiencies.

Instead of allowing this to happen, it’s best to focus on the use of top-tier employee scheduling solutions!

When to Contact a Home Restoration Professional

If you have water damage in your home and want to get it under control as soon as possible, you might be wondering if you should handle the water and mold damage alone or contact a professional.

You could be tempted to do it yourself to save money on repair fees. Keep in mind, though, that not addressing the water damage the right way gives it time to progress and get even worse than it already was. In the end, you will pay a lot more if you try containing it yourself and fail. If you don’t want to face that situation, learn when to contact a water restoration expert, and you will be glad you did.

Why You Need an Expert

You might see a little water damage from a leak or burst pipe and believe you can take care of it on your own. A lot of people take that path and think they are making progress and that they have removed the water. When you try to dry all the water in your home, you can only get water on the surface of your carpet or drywall. Any water that remains under the surface can cause your boards to rot or allow mold to grow, issues you don’t want to face.

Roof Leaks

The shingles on your roof do an excellent job at preventing water from getting into your home and causing harm. The shingles are positioned in a way that causes rainwater to run off your roof and into your gutters, and it goes into the ground from there. Wind and hail damage can make cracks in your shingles that let water pass through to your boards and home. Also, shingles can crack with time, and those who live in areas with extreme temperatures are even more at risk. If you have water damage from a leak in your roof, you want to get an expert on the job.

Faucet and Pipe Leaks

If you check under your sink and discover your faucet pipes have been leaking, take action right away. In addition to causing water damage, a leaky pipe can also run up your water bill more than you think.

Some people ignore a leaky pipe because they don’t want to invest the time or money to fix it, a path down which you don’t want to travel. The water from a leaky pipe can cause the boards under your sink to rot. It can also cause mold growth and invite a variety of pests with which you don’t want to deal. A team of water removal experts will protect you from that issue and give you peace of mind.

Burst Pipes

A leaky pipe is one thing, but a burst pipe is even worse. If one of the pipes in your home burst, you could have a flooded basement or crawl space on your hands before you know what happened. Getting the water out of your home and fixing the pipe is only half the battle.

It’s important you address any water damage right away so that you can contain it in the early stages. Contacting a mold removal team is also a wise step in the right direction when you face this issue because a burst pipe creates an attractive environment for mold.

Flood Damage

Most people think a flood would never happen to them, but a flood can strike at any time. A few hours of heavy rain is all it takes to trigger a flood that causes countless damage to homes and property. If you want to reduce the damage and protect your property, act the second you have the opportunity because doing so saves you time and money over the long run. Rather than trying to tackle the threat on your own, turn to a trusted team of water removal professionals.

Understanding the Process

Now that you know when contacting an expert is wise, explore the ways experts address and solve the problem. This gives you an idea of how an expert will help protect your property from further damage, and you will be thrilled by the outcome. Professionals have tools and training to do the job right the first time and provide outstanding results to their clients.

Water Removal

Water removal is the first step in the restoration process and a vital aspect of damage control. Since water in your home can spread to other areas over time, removing water is a powerful step along the correct path. Your experts will begin by removing all furniture, appliances and electronics from the impacted area. They will then use equipment to dry the area and inspect it for signs of damage so that you can have peace of mind. If water comes in contact with your drywall, they remove and replace the impacted sections.

Mold Prevention

As far as mold removal is concerned, your experts will begin by sealing off the area to prevent mold spores from spreading to other parts of your home. Vacuums, air scrubbers and HEPA filters are among the tools used by mold removal professionals when they come into your home to solve your issue. While most people miss spots when trying to remove mold without help, a team of professionals uses a systematic process to contain the mold and let you breathe easy.

About Aloha Restoration

If you need water or mold removal services and don’t know where you should turn for help and caring support, Aloha Restoration has your back. They are a team of talented professionals who care about the communities they serve. The team will remove your water and have your home dry within 48 hours of calling them.

Working with Aloha Restoration puts your worries to rest because they have a proven record of success and dependability. When you enlist them to dry your home, they pay attention to each detail and have your back from start to finish. If you are ready to begin and get your home dry in no time, pick up your phone and give them a quick call.

How to Make the Best Decision When Choosing the Right Merchant Service Provider

No matter what size of business you are, choosing which merchant service provider would best suit your company can require some research and consideration. With so many options, it can seem overwhelming to just pick one, and many businesses often work with several providers because it opens up choices for their customers. However, with the right information, you can make a choice that will affect your company for the better.

Here are some things to consider when you are choosing the right merchant services for you.

What kind of pricing do they use?

It’s most likely that the type of payment method you choose will include the use of credit cards. When it comes to this type of payment, simple tends to be the best. A quick setup can get you started right away and provide you with the assets you need in order to conduct business efficiently while offering support to clients.

This means you will have to consider the pricing your chosen merchant service provider has and whether it works within your budget. This can be especially important for small business, who might have to choose between one or two options instead of several. The most common forms of pricing nowadays tend to be flat pricing or Interchange-Plus.

Much of which payment facilitator you use will depend on how much growth you see for your company over the next few years. A flat rate can be great for small companies that are unlikely to see additional locations open up, but for a company that is looking to expand, Interchange-Plus might be the way to go.

Are customers’ cards on file?

Most small businesses rely on loyal customers that return because of the quality of the product or service. Having clients’ cards on file might not seem like the most exciting aspect of choosing the right merchant services option, but it can make a big difference if you have a number of returning customers. It also makes it much simpler for you since you don’t have to re-enter important information when you know that it is safely stored within an app.

These merchant services providers also often offer additional services such as integrations with your software. This can make it easier to know which payments have been made, which are outstanding, and what purchases your customers have completed. It also makes it simpler for them to buy products or services since their info is already on file. If you have an ecommerce store, this can be especially helpful for client retention.

Having cards on file can also give you a leg up over the competition since you will have a better idea of which items in your store are selling well. You can see where you need to make changes or where you might need to incorporate advertising, as well.

In conclusion

Choosing the right merchant services can help your business to thrive, while also offering you the tools to continue growing as a company. With this in mind, you can choose a provider that offers you the support and tools you need in order to be successful as a small company.

What Every New Homeowner Should Be Aware Of

The key to financial independence can be staring at you, right there, unlocking your front door. New home owners will take great pleasure in paying towards their own equity for the roof over their head, as opposed to lining the pockets of landlords. Though this is a great first step to becoming free from financial burdens, there are many costs and potential profit that can go unforeseen. Here are a few tips for new homeowners in what to look out for, as well as how owning a home can be the key to an early retirement.

Ignorance is not bliss

Maintenance work and interest rates. Two things that can be neglected when renting an apartment, but can’t when owning a home.

Maintenance costs are often underestimated, with many seemingly minor issues getting overlooked “for next year”. The problem is, these issues become expensive when neglected. Staying on top of your home care with a fixed budget is smart, but it can be difficult to calculate, with any figure you settle on appears arbitrary. Well, the one percent rule isn’t a bad starting place, which states that the average maintenance cost is around 1% of a house: budgeting $4,000 per year for a $400,000 house.

Other factors may influence this budget by +-50%. If your home is brand new or was recently renovated, then this figure may be an overestimate. The opposite is true if the home is 100 years old, located in a flood-risk area or poorly looked after.

It is also worth bearing in mind that interest rates will not remain the same, which means budgeting for variable-rate mortgage repayments to potentially increase. To recover from the 2008 crisis, many countries have extremely low interest rates, but these are expected to creep back up. The US have already risen there’s gradually over the previous two years, with the UK’s forecasted to rise in late 2019.

Contracts over contacts

It’s no secret that most big projects can cost much more than is quoted or planned, we’ve all heard the horror stories. Flicking through your contact book to ask semi-skilled friends or having a go at it yourself can therefore be very tempting. Don’t be tempted.

Perhaps painting the spare bedroom or amending furniture can be great to try yourself, learning new skills and saving money. But fundamental repairs to the house should be treated with great respect, as your property is of great value as much as it is a home.

Tiling, electrics and plumbing are jobs that can tempt us into attempting but should be left to a professional. These jobs have very costly repercussions when they go wrong and can get messy very quickly such as rewiring a light switch or improperly installing sink.

Don’t get caught off guard

Maintenance costs and interest rates aren’t the only cost that can arise unexpectedly. Property taxes are usually based on a mixture of local tax rates and your property value, two things that are prone to change. This is worth accounting for in your budget when moving into a home, as rates vary greatly depending on location, but it is also worth noting that this expense will likely increase in the future with the same home. From 2000 to 2010 property taxes had almost doubled in the US, whilst in the UK, council tax rose from £26.6 billion to £28 billion in 2017.

It is also worth having your home independently valued by an estate agent or local builder. It is possible that you purchased your first home for either more or less than its value. This will guarantee that you are insuring your home for what it is worth, so you can avoid overpaying in premiums.

Locations that are prone to natural disasters often do not offer standard insurance that covers for flooding or sinkholes. It is important to understand what is covered, for which you can either seek out insurance with greater coverage, and if there is no option, save specifically for such an emergency.

Using your home to reach financial independence

For many who have early retirement or financial independence (FI) as a core goal in life, getting on the property ladder as soon as possible is a must. This is somewhat ironic, as FI enthusiasts often preach about avoiding debt at all costs; it must be remembered that FI and being free of rent and mortgage repayments is a long-term goal, with the home being a very important factor.

Whilst this may be a 20-year plan for some, the home can be used proactively to contribute towards this goal by being used as a revenue stream in the here and now.

One method of raising revenue using your home is to rent out a portion of it. This may include putting the spare bedroom on Airbnb with a nightly rate. Investing in some nice furniture and interior along with some salesmanship may provide a healthy passive income, which can really be lucrative in the summer. Additionally, taking this to the next step and building a suite for guests, perhaps a cabin in the garden or converting a garage may be a worthwhile investment with a better separation of living space.

If guests aren’t a passive-enough income for your personality or lifestyle, then renting out space may be a better option. If you have a large off-road space that can fit a RV or a boat, then it’s possible to rent this out for those who want somewhere to protect their vehicles from the weather. Renting a parking space in an urban area or near a large workplace can also be in great demand.

There are opportunities for some extra side-income for new homeowners, but these may be taken more seriously when striving for financial independence. Treating your first down-payment as an investment in yourself as much as it is a home can provide you with income opportunities. This approach may lead to the mortgage paying itself off, with a thoroughly planned budget to account for unpredictable expenses being equally as important.

Protect the Value of Your Home from Market Trends

Owning a home is everyone’s dream.  Owning a house however means you have the sole responsibility to ensure it is in the best condition possible.  This entails taking care of everything from the simple necessary repairs to handling larger issues. It is only in doing this that you can protect your home from depreciating and making it as comfortable and appealing as possible. Consider seeking the help of real estate professionals or even inspectors to find ways in which you can improve the value of your home.

Many people are short of ideas when it comes to increasing the value of their homes.  Some are torn between updating their kitchen, the bathroom, or even investing in a new roof. While working on either of these might seem like a wise idea, you need to identify just the spot/area that needs to be updated. Where you put the money in is more important than how you do it. Here are a few ways in which you can protect your home from the current market trends.

1. Regular Maintenance

Routine maintenance is the one best way to preserve/protect your home’s value. According to the National Association of Realtors, it would be advisable to set aside at least $500 per month for big repairs. Plumbing, electrical, and roofing problems do put a considerable dent on the home’s overall value. For this reason, you need to keep up with minor fixes to ensure these do not get beyond your control. Simple practices such as cleaning the gutters, weatherproofing, replacing broken shingles and roof tiles, and stopping leakage go a long way in protecting your home’s worth.

2. Work on the home’s Curb Appeal

Good aesthetics play a huge role in almost anything. Loose railings, a dirty siding, broken light fixtures, and even an unkempt exterior only show how fast the property is depreciating. Consider applying a fresh lick of paint after every few months, ensure the garden is in the best condition, fix broken fixtures, and most importantly, keep the entire house clean.  Keeping the trees and the lawn in the best shape also shows how caring you are as a homeowner hence protecting the value of your home.

3. Consider Some Upgrades

Old cabinets, outdated appliances, and countertops in both the kitchen and the bathroom can cause a drop in your home’s value.  Replacing any older and inefficient appliances can give your home a value boost. If possible, consider going for energy-efficient appliances for an upgrade. These include dishwashers, refrigerator, light fixtures, and even the heating system. Although you might want to take on a remodeling project for your home, you need to be careful with the areas you choose for an upgrade. This is according to the National Association of Realtors.

4. Neighbors

Vacant homes due to foreclosures can also have a significant impact on the houses within the neighborhood.   For this reason, you need to be watchful of empty homes that fall into disrepair with unkempt lawns, dead or encroaching bushes, as well as bushy flower gardens. You can make it your responsibility to pull out weeds in their yards, as well as clean the compounds to preserve the neighborhood’;s appeal. You could also engage neighbors to help keep the neighborhood clean and protected.

5. Seek Professional Advice

A real estate consultant can help guide you into boosting your home’s value. The best thing with working with a professional is that they can notice even the smallest problems that if repaired, can give your home a significant boost in the market value of your house. Consider calling a real estate sales agent or even a home inspector for help identifying mechanical and structural problems that could be causing your home to lose value. The inspector should be able to make a list of recommendations on possible repairs that could make a difference in the property’;s worth.

A well-maintained house lasts a lot longer and is more valuable than a neglected one. Taking the initiative to ensure everything is in the best condition possible in the house is one way to protect the house’;s value. You won’t need an expert’s eye to see a well-kept house, and one that needs serious work to restore its former glory. That said, it would be advisable to take the necessary measures to ensure the house is in the best condition possible.

Some factors can affect the price and value of your home. These include regulation changes, rising interest rates, and economic patterns that affect/influence a buyer’s decision. While you might not have control over such factors, taking care of what you have control of is all that matters. Working with a professional realtor can help protect your home’s value.

Why Machine Learning is Essential for Retailers

What do Sears, Toys ‘R’ Us, and JC Penney’s have in common?

Not a single one of them was able to make the right adjustments in order to succeed in today’s data-driven retail market.

90% of today’s data worldwide has been gathered only in the past couple of years. In addition, the data made and gathered is only becoming more intricate, therefore, it’s rebuilding the way the retail industry does business.

However, since the amount of information that companies have to evaluate keeps on growing in addition to the fact that they’re competing in markets that are becoming more dynamic, retailers have been searching for ways to deal with their big data issues. Machine learning has come in handy in several areas within retail as it is able to deal with more data than anything else has ever been able to manage before. On top of that, it offers better results more consistently in comparison to humans. Let’s dive in deeper to see how businesses are utilizing machine learning in order to beat out their competition.

Inventory and Supply Chain Planning

When trying to balance inventory maintenance based on the demand, companies used to simply figure it out via trial and error. They had to make a lot of guesses when trying to predict which items will go into style and which ones will fall out of style or when trying to figure out how many new customers would buy items each month, for instance.

Machine learning removes all of that guesswork within supply chain planning as instead, it focuses on optimizing root cause analysis. This provides retailers with a much wider view of the faults in a system that already exists, assists with pinpointing incomplete data, and can steer clear of both human bias and error. With time, machine-learning will be able to optimize supply chain planning even more than it is able to now as it continues to unravel different patterns and relationships. In turn, it also makes it a more reliable source throughout the entire process.


Machine learning within marketing campaigns is not a new concept, however, the magnitude at which it is utilized in marketing has not yet been completely fulfilled by retailers. Today, machine learning allows us to personalize both advertising and promotions to customers by evaluating customer behavior and pinpointing those who are high in value. Machine learning is also able to make marketing campaigns much more effective by being able to figure out when’s the best time to send out emails to consumers or by providing context to retailers about factors that may have been overlooked via traditional analysis like the weather.

In addition, both AI and machine learning have a big impact on how successful omnichannel retail is. Customers are more likely to be on multiple platforms when interacting with a brand instead of just one which is why it is difficult to be consistent with marketing. Machine learning can help pinpoint the platforms that are the best at getting the attention of various kinds of customers while also assisting retailers with figuring out how both customer wants and needs alter with time.

For instance, today, businesses are using machine learning in order to figure out if customers would rather buy items in a store with a cashier or if they would rather do it at self-service checkouts. This kind of data can provide retailers with the information that they need to maintain the tender balance between automation for increased efficiency while steering clear of the negative image that comes from automation based on previous human encounters with a brand.


Optimizing prices within a dynamic market is usually expensive as both a lot of resources and a big IT budget are necessary. Similar to inventory planning, pricing also typically requires both a trial and an error process. Since a lot of data that has to be evaluated in order to alter the price of just a single product, there was a time when price optimization took up way too much time as. In addition, often times, not enough context went hand in hand with the scale of a business’s item portfolio.

Machine learning assists companies with optimizing their prices in several ways. It can use both historical and real-time market data in order to make very accurate price predictions which, similar to supply chain planning, end up much more fine-tuned since relationships between both items and prices are monitored during a much longer time span. In comparison to competitive pricing strategies, machine learning is able to offer a much wider perspective into a business’s product portfolio, letting businesses establish prices that take into consideration pricing relationships such as the halo effect or price cannibalization.

Through machine learning, prices are more accurate and price recommendations are given much faster which helps ensure that businesses are able to keep up with each change in the market. This is how businesses such as Amazon are able to make price adjustments several times a day, boosting both sales and revenue as well.

Machine Learning is Here to Stay

We have barely dipped our toes into how machine learning is shifting the way in which we do retail. However, it is still no secret that if businesses want to be able to remain in competition in the modern world, they have to adopt machine learning into a number of aspects of their business strategy. Machine learning is making revolutionary changes in retail including aspects such as marketing campaigns and pricing. Just as you have witnessed with the giants such as Amazon and Walmart, the success of future retailers is directly correlated with how they utilize machine learning in order to optimize how business is done.

Car Title Loans from The Net Lender: Advantages and Disadvantages

A car title loan is a type of loan where the car (its title) is used as collateral.   According to The Net Lender it’s issued by the DMV (Department of Motor Vehicles), the title contains the current owners name and address, make and model of the car, year of manufacture, and the date to which the vehicle was first sold. Should the first owner choose to sell the car, he/she then transfers ownership to the new owner, with the now new owner getting a new title under his/her name from the DMV.

A car title loan from The Net Lender can, therefore, be termed as the certificate of ownership of the vehicle. If the car is used as collateral for a loan, then the lender can use the title to claim ownership or even sell the car if the borrower defaults the loan. Some lenders will also ask for a duplicate key of the vehicle together with the title before processing the loan application. For this reason, this type of loan is mostly preferred by people in desperate need of instant financing and those with no or bad credit history. The lender can however only provide funding of up to 50% of the vehicle’s market value. This way, they are assured of recovering the entire amount, plus the interest, after selling the car. While the amount involved may be substantial, car title loans are considered short-term, hence should be repaid within 30 days. The lenders are unregulated and mostly non-bank financial institutions.

The Advantages

1. No need to worry about credit history or rating

You never have to worry about your credit history with a car title loan. With the car as the collateral, you can borrow as much as 50% of its market value according to The Net Lender.

2. Short term loans:

Car title loans. Such as those from The Net Lender, are very flexible. You can borrow any amount, which can be used however you wish.  This is unlike bank loans whereby you cannot borrow less than $1000.

With the rise of car title loans in the market, many states have passed laws to prevent predatory lending practices by some lenders.  The high APR rate is another matter of concern, with most states imposing an interest rate cap for the same. All this is aimed at making these loans more manageable.

The Disadvantages

1. High-Interest Rates

According to the Center for Responsible Lending and the Consumer Federation of America, consumers should avoid going for car title loans for financing. This is because such loans come with ridiculously high interest rates, with only the lender benefiting from it all whether the borrower repays or defaults. Such high-interest rates lead to an endless cycle of debt for the consumer. Data released by these two bodies show that debtors get to pay at least 25% in interests per month on car title loans, a figure that equates to 300% Annual Percentage Rate.  Although individuals with bad or no credit find such loans attractive, the interest rates charged are much higher than the most expensive credit card company.

2. Risk of losing the car and equity on the same

Should you be unable to pay the loan on time, the lender gets to pocket both the amount he/she would have gotten back and the equity as well. You don’t even have a right to claim the equity that rightfully belongs to you.

3. Rollovers and Fees

Some fees come bundled with the car loan. For instance, you may have to pay for late fees, document fees, processing fees, lien fees, and origination fees, all which only benefit the lender. Some lenders will even include roadside assistance fees in the package. Should you be unable to repay the loan on time, it then means you will have to foot for all these fees.

However, there are many positive reasons for a car title loan from The Net Lender as you can see above.