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Putting Interest To Work for You Rather Than Against You

Many people are paying hundreds or thousands of dollars more than their original loan amounts because of interest. Unfortunately, many of those people accept interest as the cost of borrowing and using another person’s money. If all of those borrowers understood how interest works, they could be making money rather than paying more and more to lenders.

Calculating loan interest

Understand What Interest Is and How It Works

The first step to reversing this cycle is understanding what interest is and how it works. Lenders calculate a percentage of the money they loan. The borrower pays that percentage, in addition to an amount of the principal, each month.…

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A Small Business Guide to Surviving a Covid Christmas

It should come as no surprise that Christmas will be different this year. From office parties to celebrating the special day with your loved ones, everything is likely to be unfamiliar with festivities adapting to social distancing rules amid the ongoing Covid-19 pandemic.

Covid Christmas

photo credit: Antonio Sokic / Pexels

For your small business, this could be daunting, especially if you traditionally rely on the Christmas rush. With most spending likely to occur online, there’s also the added competition of e-commerce giants like Amazon.

That said, the shortcomings of major retailers may stand to benefit small independent businesses. Amazon, for example, was accused of leaving warehouse workers unprotected while continuing to profit off the boom in online sales.…

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7 Best Ways to Stay Motivated as a Small Business Owner

Owning and running a business is tough, no doubt about that. The challenges are more as a small business owner because you are yet to figure things out. And, you are yet to have a fully functional team and standardized processes in place.

Motivated small business owner

Moreover, in the post-COVID19 world, things have gotten more challenging and uncertain. The stress combined with the unending list of to-dos can easily make you demotivated. But worry not, every business owner comes across such phases in their lives.

If you are currently in a rut and looking for quick tips to boost your motivation, then read on.…

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Best SaaS Affiliate Programs 2020

It’s the 21st century. The world has morphed from a global village to one global marketplace. These days, we are constantly buying and selling goods and services outside of physical stalls. You mostly need a mobile or a laptop, and a good network service provider to even do any form of commerce. Millions of online transactions take place daily.

SaaS affiliate program

We’ve broken the barriers of distance, language and communication. The internet allows us to buy and sell from anywhere in the world while donning our pajamas. It has also provided countless ways to make money.

One them is affiliate marketing or SaaS affiliate programs.…

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Before the Office: A Guide to Getting Your SME Off the Ground

The early days of starting a business can be a very exciting time for entrepreneurs. With so many possibilities just lurking on the horizon, it is not uncommon for beginners to find the start of their entrepreneurial journey somewhat daunting at the same time.

Startup founders working in a coworking space

If you’re someone who is looking to ensure that your startup prospers, then this is the article for you. Today, we have a look at 6 fundamental basics that any new business owner needs to master in order to get your SME off the ground. Read on to find out more!

1. Define Your Startup

Before you can even look into finding a coworking space or marketing your business, you are going to have to define your startup.…

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How Seasonal Shopping Events have Changed Loyalty Programs

Shopping has changed almost beyond recognition over the last few decades. Increasingly, shoppers don’t jump in the car to get those must-have Christmas presents; they instead open up a browser window. And this trend has only been accelerated by the Covid-19 pandemic.

Seasonal shopping

Our changing shopping habits have been accompanied by changes in the way that loyalty programs are structured. The digital world provides plenty of tools for retailers looking to secure repeat custom. Customer data can be gathered and analysed with greater precision than ever before.

The history of Loyalty

The loyalty program is often thought of as a modern innovation.…

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How to Enhance Your Squarespace Site

Ever since it was released back in January 2004, Squarespace has helped thousands of people and their websites thrive. This platform can also help you get your feet off the ground, but if this is your first time, you may not know how to design your website.

Enhancing Squarespace website

If you’re unsure on how to go about things, read on to learn tips and tricks for enhancing your Squarespace site.

Improve Accessibility

When enhancing a Squarespace site, the one thing you should always focus on is accessibility. Sim plicity is key, and everyone who visits your site expects that. They should not have to jump through hoops just to get to a certain feature.…

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How to Win with Debt Relief Programs

If the word “debt” gives you an uneasy feeling, it’s time to do something about it. No one should have to live with that pit in the bottom of their stomach. So what can you do if you’re drowning in debt?

Meeting with credit counselor for devising debt relief program

Here’s how to win with debt relief programs.

Talk to a Credit Counselor

If you want to have the best chance of being successful with getting out of debt, talking to a credit counselor should be your first step. Credit counseling is designed to help consumers struggling with their debt understand what options are available. Many credit-counseling services operate as independent non-profits.…

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5 Ways to Promote Your Small Business

Owning a small business can be tough. You’re competing with big brands but with less money and resources. As a small business owner, you might find that you’re constantly struggling to make your presence known in the industry. Sometimes, it feels like you’re screaming into the void.

Business promotion

While owning a small business can be difficult, there are plenty of ways to make your business stand out. Here are 5 ways to promote your small business.

Make a great ad

At their worst, ads can be dull, stereotypical and irritating. A bad ad can make us want to quickly change the channel or put the TV on mute.…

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Compelling Situations That Mandate the Need for an Employment Lawyer

Regardless of the relationship you share with your employer, remember that at the end of the day it is a business transaction. As such, it’s crucial to make sure you secure your rights. An employment attorney can be helpful in many tricky workplace situations.

Employment lawyer

Employment laws are state-specific and are subject to change, which is why an attorney is crucial in understanding what is legal and what is not.

State legislatures are constantly approving new laws and sometimes these new laws can entirely override prior laws. Attorneys help to protect the rights of both employees and employers as they settle certain legal conflicts that arise between them.…

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