POST CATEGORY : Finance

Finance 101: Everything You Need to Know About Investing in Technology Stocks in 2019

The tech industry is by no means limited to big players; there are also tech startups, website and software developers, etc. From hardware to software, the tech industry is just ripe with opportunity. However, most stock investors would agree that investing in it is risky business – since things can literally change overnight in the world of technology, a company can vanish at the snap of a finger.

Technology stock investing

To determine whether this is something you want to be dabbling in or not, let’s take an in-depth look at the subject and examine everything you need to know about investing in technology stocks in 2019.…

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4 Ways to Raise Capital for Your Small Business

Capital is essential for new and growing small businesses. Whether your small business is just starting out or expanding, raising capital can be challenging. Consider these smart financial strategies for funding your small business venture.

Raising capital for small business

Get a Loan Using the SBA Tool

The U.S. Small Business Association (SBA) exists so small businesses such as yours succeed, so make sure you don’t overlook this valuable government resource. Its Lender Match tool helps you find SBA-approved loans for launching and expanding small business operations. These loans are often easier for small businesses to obtain than loans from their own banks, but they have very competitive terms.…

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How to Avoid Needing Regular VAT Loans

You are a business owner who makes quarterly VAT payments. You know you’re going to come up short when your next filing is due, so you’re already thinking about getting a loan. Unfortunately, this is not your first time. You have used VAT loans multiple times in the past. You are thinking you would like to break the cycle, but you don’t know how.

Tips for avoiding VAT loans

VAT loans are not bad in and of themselves. They are exceptionally good tools to help business owners manage cash flow when times are a bit tough. However, they are not intended to be a long-term funding that continually gets recycled quarter after quarter.…

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Payroll Tips for Starting 2019 Right

Payroll tasks take up around 5 hours per week for a small business owner. This time, while well-spent, could be better spent elsewhere. All small business owners who run payroll know just how much of a challenge it can be unless they’re accountants with prior experience.

Payroll tips

1. Start the Year With Employee Categorization

Employee categorization is essential to start the year. When your employees are not categorized properly, this can cause your payroll to be chaotic. Why? You need to know who will be exempt from overtime or not.

Start the year taking a look at all of your employees’ categorizations.…

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5 Simple Steps to Improve Your Retirement Strategy

Preparing yourself with a comprehensive retirement plan is more important than ever. We are all living longer and it is vital that you have a strategy to ensure you don’t outlive your money. Here are some simple things that can help you to make the most of your retirement fund.

Busy senior businessman working on a retirement plan

Look at your 401(k) plan

A key part of a successful retirement strategy is creating an effective income stream from your savings. Keep your money in the 401(k) if your plan allows you to make regular withdrawals or pays out in instalments. If your 401(k) only allows you to take out a lump sum, it may be worth transferring the savings to a separate retirement account.…

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Getting Started: 5 Business Startup Loans Available to You if You Have Bad Credit

Need a loan for your small business but aren’t sure how you’ll get it? Here are 5 ways to get start up business loans with bad credit.

Business people taking startup business loans

Over half a million Americans become an entrepreneur every month.

Do you have bad credit with an entrepreneurial mind? No problem! With the right strategizing and planning, you can still secure financing for your business dreams.

Let’s get into understanding the best start up business loans with bad credit.

1. Microloans

Are you a minority small business owner? Do you come from an impoverished background? If so, you may be eligible to qualify for a microloan.…

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6 Tips to Negotiate on a Car Loan

If you want to buy a car, but don’t have cash, you can always apply for a car dealer financing. But you should be prepared for a never-ending sales pitch from the salesman and the finance manager.

tips to get approved

Speaking of preparation, here are six tips that can help you significantly:

1. Don’t Make Decisions Based on Your Emotions

A lot of emotions can be involved in buying a car. You may find it difficult to leave the car once you’ve gone out for a test drive. But if the dealer is not interested in negotiating, you are free to walk away. Bear in mind that you’re the one paying for the car and you’re not doing any favor to the dealer.…

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Companies That Offer Online Title Loans With No Credit Check

Title loans are secured short-term loans available to car owners. The vehicle used as collateral should not have a lien on the title. In other words, the vehicle or car should not have an unpaid auto loan.

Online title loans

Title loans are provided by private lenders. The title is used as the security but the borrower gets to keep possession of the car or vehicle and continues to use it as long as the loan gets repaid on time. There are many private lenders offering title loans but not all will do so without conducting a credit check.

It is typical for unsecured short-term loans to be available sans any credit criterion.…

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How to Fund Your Startup Business: 10 Tips to Get the Funds You Need

There are good and bad ways with how to fund your startup business.

Good ways offer capital so you don’t plummet at runway’s end. Positive funding terms let your business thrive without interference. Bad investments are a burden, with nightmare scenarios like losing control of ownership.

Startup funding tips

Startup capital isn’t as large an undertaking because of agile operations. With tens of thousands needed before, a few thousand could suffice today. This creates incredible positioning when pitching investors.

Whether you choose to accept funding from an angel investor. Or, decide your capital will come from traditional funnels. Read this guide to discover your options with attracting (and securing) startup funds.…

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How Good is Your Business Credit Score?

Your business credit score reflects your firms’ responsibilities and values. While it’s easy to view money as something to hoard and churn out alone, your credit score however is also a symbol of your success. It signifies to others what you’re capable of, and what you may go on to achieve. If you need a loan from a bank, want to lease an office space or seek an investment, the business credit score is the data they’ll use to judge you to see if you’re worth their time and money.

Tips for boosting business credit score

The difficulties aren’t too far apart from the personal credit score, in the end.…

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