Monthly Archives

November 2017


10 Best Online Payment Methods

It seems that in the future our children and grandchildren will have no idea how does the real money look like, as the online cash is likely to replace it fully. It has been some time since people decided to replace the money with bank cards, but the systems that provide you with the possibility to pay for everything online are expanding and are becoming more and more popular among people of all ages. The online payment services are actually convenient for both; paying or receiving money and this is especially convenient for people who work for clients who are abroad, as online payment services usually take fewer fees than bank accounts and transactions. If you are still suspicious, don’t forget that modern internet transactions are very safe and there is little chance that anyone will cheat you. Customers who use these online payment services in cases when they want to buy something, for example, are completely protected in case they don’t get the desired item or the item is not as described online. All of this should make you a little bit less sceptical when it comes to online cash and online payment, and as the list will deal with best online payment methods, make sure to pick the one that is most suitable for you! Check it out!

  1. PayPal

PayPal is definitely one of the most famous online payment methods, and it is used for simple online payments. It does not require a monthly plan, and the transaction fee is around 2.9%.

  1. Amazon Payments

If you use Amazon a lot when it comes to buying things, make sure to check out the Amazon payment created exclusively for Amazon accounts. The transaction fee, in this case, is 2.9% as well.

  1. Square

Square is not that popular, but it is definitely worth trying. It is very convenient in terms of accepting credit card payments in person, and the transaction fee is the same as in previous two cases – 2.9%.

  1. Stripe

If you download the Stripe app, you will see that it accepts payments of any type in your app, with the fixed transaction fee of 2.9%.

  1. Dwolla

Dwolla accepts bank transfer payments in your app, and it does not have a transaction fee, but it has a monthly plan of $25/month, which is also a great deal.

  1. Braintree

Braintree accepts payments directly in international currencies, and it does not have a monthly plan, but it has a transaction fee of 2.9%.

  1. Payline

Payline is one of the most convenient services for payments based on interchange fees. It does not have a monthly plan, but it has a 0.35% + interchange fee, which is not too much at all.

  1. Google Checkout

This is a Google’s service that is almost the same as PayPal. The transaction fees start at 2.9% + $0.30 per transaction for sales less than $3,000.

  1. WePay

This is a service that allows Internet merchants to accept credit cards and bank account payments online. It has a 3.5% transaction fee (for credit card transactions and $0.50 for bank payments.

  1. 2Checkout

This is a service that combines a merchant account and payment gateway into one, allowing customers to receive credit card payments as well as PayPal payments. It has a $10.99 monthly service fee and $0.45 transaction fee.


5 Nifty Tips for Getting Your Bank Loan Approved

How can I get a loan?

This is a question many people ask when they need to buy a car, do some renovations at home, or consolidate their debt. Whatever the reason you have for getting a loan, you have to go through an application process and thereafter an approval. You’re unlikely to walk into a bank and get money thrown at you without demonstrating that you’ll be able to pay it back. Here are some tips for getting your loans approved every time.

  1. Work on Your Credit Rating

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Today, banks can easily access your credit information from credit reference agencies. Therefore, it is important for you to ensure that you have a good credit score if you want to increase your chances of having your personal loan approved. Go through your credit file to ensure that your details are correct and that the information is up to date. Check that all the accounts listed therein are yours and are current. Having accurate data on your credit report will improve your chances of getting your loan approved.

  1. Managing Your Finances

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Personal finance management can be done in two phases – managing your regular income and managing the way you make use of your credit once you have access to it.  All banks will want to know how you spend your money and how you intend to spend the money they lend to you. Therefore, as you prepare to apply for your loan, start managing your money better. It is a good idea to keep records showing how you use your money.

  1. Know If You Are Eligible

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Different banks have different eligibility criteria. When deciding on where to get a personal loan, you need to find out if you meet the prospective bank’s eligibility criteria. If you find that there are areas you do not qualify, try and work on them to ensure you pass the eligibility test.

  1. Avoid Applying for More Than You Need

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It is a good idea to only apply for what you need. A bank is more likely to loan you $5000 than it is $25000. This is because the latter posses a higher financial risk to the bank should you default. Therefore, while you may want to apply for more than you need, it is better to stick to applying for what you need.

  1. Honesty Is the Best Policy

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Your honesty plays a big role when it comes to getting your loan approval. Ensure that you are completely honest in your application. Even the least bit of dishonest information can cause your loan application to be rejected. It also damages your chances of getting credit in the future with the same bank.

Final Tip

Before you walk into a bank, it is advisable to check online for loan packages. This gives you a good idea of what different providers are offering. Before doing your search, you need to be sure of how much you need for your personal loan and what you are able to pay back within the time frame required.



5 Loft Tips for Improving Your Loft

The words “loft apartment” often conjure up images of an urban, bohemian lifestyle that seems out of reach for many people. The truth is, you actually don’t need tons of cash to live in a loft. You don’t even have to live in San Francisco or SoHo, Boston to rent one. You can also find a one-bedroom loft apartment in smaller communities in Maine, Massachusetts and New Hampshire. Lofts are wide-open spaces with few or no partitioning walls, and are usually on one floor. They’re often former industrial, commercial or mill spaces that have been renovated.

Loft apartments have gained a lot of popularity over the years. These spaces have a lot of potential and can easily be converted into cohesive and cozy homes oozing with charm and personality. Nonetheless, it can be hard deciding where to start when trying to personalize your space. Below are some tips for improving your loft.

1. Curtains

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Choosing the right curtains will go a long way in making a space that’s primarily one room look sophisticated. You can give the illusion of rooms by hanging curtains to divide your loft into designated living spaces. This also helps establish some privacy. If you have large windows, which are recommended for a loft, then curtains will help dress them up and darken the room whenever you need to.  To maximize the light coming into the room during the day, use light colored curtains and shades.  This will also help save on energy costs.

2. Storage

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Space is limited in a loft. For this reason, you want to make the most of every inch. The first thing you need to do is remove all clutter since it takes up a lot of space and makes the room feel crowded. Any stuff that you’re not using should be stored away or disposed.

Make proper use of your walls for storage. Have as many shelves as possible and place hooks at strategic locations. Hooks come in handy where you want to display your kitchenware. Buy pretty containers to store tools and dry goods if they’re exposed. Whenever you can, buy functional furniture pieces that you can use for storage. For example, you can get a table with drawers, a bed with storage underneath, and a TV stand with cabinet space.

3. Go Vertical

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Maximize on the use of space by going taller on storage and other fixtures. You can give the illusion of space by using tall lamps, hanging light fixtures, bookshelves and plants. Using oversized wall art helps draw the eyes upwards and makes the room look taller.

4. Colours

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Using darker colors will make the room seem smaller. For this reason, you should stick to lighter colors on your walls and floors.  Combining bright colors with mirrors on the walls will bounce light throughout the room and make it look larger than it actually is. To break the monotony, have an accent wall with a darker color. This will also help create a contrast between living spaces.

5. Lighting

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Want to open up your loft? Why not bathe it in light? Light is an excellent tool for manipulating your spaces and creating moods. For example, you can use light to highlight certain areas of interest and minimize others. You can also use unique light fixtures to bring character and style to your loft.


7 Tips to Optimize Field Service for Better Customer Experiences

Sometimes, field service technicians are your only point of contact with your customers. You need to make the most of these touch points to retain customers and keep your bottom line in check. The best way to go about it is to make each of your customers’ interactions with technicians impactful and profitable. However, this is often a challenge for busy field service organizations. For this reason, your field service technicians need proper field service software for small business to enable timely provision of services, access to customer history and encourage accountability. You can optimize your field service operations by doing the following.

  1. Improve Response Time

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Customers are becoming less and less patient. They want help to arrive fast without requiring too much input from them. Field service employees have to find ways to shorten appointment windows and appointment times. Using a service scheduling software facilitates accurate and fast technician assignment based on skills-set, location, and availability.

  1. Prevent Service Failures and Repeat Problems

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Instead of focusing on response to failures, it is more prudent to focus on how to prevent the failures from occurring. Whenever an issue arises, you should figure out how to solve it once and for all and prevent it from happening again.

  1. Empower Your Customers

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If you can provide self-service troubleshooting for your customers, you will have a much easier time dealing with complaints. You will only have to deal with the more complicated issues. For example, providing a hosted cloud solution other than a premise-based hardware solution will allow your employees to do more remotely.  This also empowers your customers to solve their own issues.

  1. Use Mobile Software

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Paper-based field service management is expensive and inefficient. Investing in mobility enabled software allows real-time capture of information that is then shared with the entire organization. Overheads are also reduced due to the elimination of paper-based field service management and the establishment of accurate audit trails. Get the right field service software for small business to help streamline your operations.

  1. Invest in Diagnostics

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Invest in remote diagnostics and monitoring to improve customer experience. Installing remote sensors in equipment can help deliver real-time monitoring and diagnostics data that can be acted on immediately. For example, you can find out at a glance where the equipment is, whether it is running, and any faults or triggers arising. This helps reduce failures on site and improves customer satisfaction.

  1. Assign Jobs to the Right Person

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Before sending out a support team, you need to find out if they have the right skill set to manage the kind of problems that need to be addressed. Invest in good resource scheduling software to optimize service calls and ensure the right personnel is assigned to a customer’s job.

  1. Examine Your Manual Processes

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It is important to find out where you can automate in order to make critical information available to all your staff in real-time. Look at all your manual processes and the critical information held captive in these processes. Find software solutions to help you automate where possible. Make sure to keep track of all transactions including expenses, travel, and labor. Field service management software will be an essential part of the automation process.




Top 10 Legal Mistakes Small Businesses Make

It’s very easy for a business owner to make mistakes that can expose them to legal ramifications. Below we explore some of the top mistakes made by entrepreneurs.

  1. A Lack of Legal Structure

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Many start-ups operate without being incorporated. At the outset, the reasons for doing so might be understandable. However, in the long haul, this exposes the business owner to liability. For example, an employee may sue the enterprise, a founder may depart from the firm, or the company might need a capital injection from an external investor. Find out how to establish your company in its home state to avoid this pitfall.

  1. Absence of an MOU

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A lack of a Memorandum of Understanding to govern the relationship between shareholders is detrimental to the health of a business. Chaos ensues in the absence of such an agreement. The route out of this mess is to have a lawyer draft a document that governs how disagreements are sorted out between shareholders.

  1. No Human Resources Policy

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The absence of an employee manual to regulate the conduct of employees can be problematic. It opens up the business to the possibility of being slapped with lawsuits from disgruntled employees. A small business does well to formulate human resources policies that resonate with the ethos of the organization. This should be done with the advice of human resource professional and a lawyer.

  1. Libel

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The need to remain visible online raises the possibility that a small business will make libelous statements at one point in time. Seek legal advice from a lawyer on what constitutes free speech and what is libel. This could save you many hours of being entangled in court processes.

  1.  Intellectual Property

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Some companies fail to secure their intellectual property. Intellect property issues touch on patents, copyrights, and trademarks. Seek an attorney to perform an inventory of the firm’s intellectual property and to secure it on your behalf.

  1. Filing too Many Lawsuits

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Business can be an emotional affair. When emotions run high people end up in all sorts of lawsuits with partners and suppliers. This is costly. To avoid many hours spent on commercial litigation, always opt for negotiation as a first option to settling disputes.

  1. Data Security

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A small business should invest in software that protects customer data. Hacking is quite common nowadays and the last thing you want is to deal with is a breach of customer data, which could lead to a firm being sued.

  1. Regulatory Compliance

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Business has to remit payroll as well as sales tax to the IRS. This implies investing in accounting software or an accountant. Failure to remit taxes will result in penalties and possible closure of the business.

  1.  Internet Usage

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The use of the internet at work has to be restricted for a firm to thrive. Using the internet for personal use lowers productivity and exposes the firm’s data to  security risks. Download of illegal torrents by employees can also result in lawsuits and even prosecution. The way to deal with this issue is to restrict access to inappropriate websites and monitor web usage.

  1. Capital Injection

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The taking in of capital from external sources can pose challenges concerning the ownership of a firm. To ensure that the business is not exposed to litigation in future, have a lawyer audit the investors and set out a guideline on how they can structure a share agreement.


9 Things You Should Know Before Starting a Blog

Ready to start blogging? Blogging is a relatively easy and inexpensive way to drive traffic to your website and convert prospective customers into buyers. Done well, it is a valuable tool in your marketing arsenal. But how do you go about it to make it work for you? Below are some valuable tips on how to start your own blog.

  1. Competitor Analysis

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Unless you’re selling spaceships or something equally esoteric, then you probably have lots of competition in your niche. Therefore, you’re unlikely to come up with any new content that’s not been covered before. Check out the kind of content your competitors have on their blogs. What’s their most popular content? What keywords are they targeting? How many backlinks do the articles have, and where are they from? If the links come from authority sites such as Wikipedia, then you’ll have a harder time outranking them.

  1. Long Content Works

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It’s tempting to go for short little updates. After all, they won’t take too much time and you’ll cover more ground faster. This is not the way to go. Work on longer, more detailed pieces that help the reader solve an actual problem. More in-depth pieces will provide so much value that readers won’t have an option but to share.

  1. Make the Right Connections Early

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Establish strategic relationships with influential bloggers at the beginning of your journey. Do not spam them with guest post requests. Form bonds of friendship with them by sharing their content on social media, and mentioning their content on your site. Let them know what you are doing, and this will go a long way in affirming your support for each other.

  1. Invest in Responsive Web Design

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Ensure that you develop a website that is responsive. Your blog should be easy to navigate on both desktop and mobile platforms. An unresponsive website puts you at the risk of losing valuable traffic when people on mobile devices are unable to access your blog since it’s not user-friendly.

  1. Grow A Mailing List

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If you’re serious about your blog, you need to have a mailing list. A mailing list ensures that you have access to people’s inboxes whenever you want. This removes over-reliance on Google and social networking sites for traffic. You don’t want your business to be affected in a crippling way by a change in policy by these sites.

  1. Go Big on Visual Content

Images and video are gaining popularity over text. You need to invest in proper photos that have an attribution license. You could take your own photos or have a professional do that for you. A blog that has quality visual content stands out from other blogs.

  1. Spend Money on Ads

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You will need to run ads to promote your blog. Advertising need not be expensive. Set aside $25 for advertising on a social network site such as Facebook and watch how things unravel. The genius behind advertising on social media is that recipients of the ads can share them on their profiles and this is a plus for you.

  1. Outsource

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You need to outsource some aspects of running your blog such as managing updates and the social network pages. This allows you to concentrate on churning out creative content that converts readers into customers.

  1. Hosting

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Avoid free hosting options such as BlogSpot and WordPress. Instead, set up a WordPress blog with your own host. If you outgrow the free host, moving to your own domain will be a tedious exercise. Also, the control and branding options that you enjoy on a free blog host are limited by propriety rights of the host. Get a hosting service that is pocket friendly and meets any other unique needs you might have.



5 Best Jobs for Single Moms

It has never been easy to raise children alone, without any help. A child needs only a good role model in life so that he or she can become a quality person when growing up, being one of the main reasons why single parents need to try harder when it comes to upbringing their children. A single parent has to cope with all kinds of things, including working and being a full-time parent, which is not an easy thing at all. However, although we live in the age when we talk a lot about gender equality and the need to overcome differences between men and women, the fact remains that there are far fewer options on the job market for single mothers than for single fathers. On the other side, thanks to the development of technology, there are many jobs where unemployed mothers who take care of their children at home can deal with. Many jobs can be done over the phone and on the computer only if you use creativity, so don’t lose hope if you want to earn money and be at home with your child. On the other side, women can be whatever they want, and may perform even those jobs that were always supposed to be performed by males; including being a plumber, electrician, painter, landscaper, etc. The list will bring you some of the best jobs for single moms, so if you are one of them, make sure to check it out.

  1. Online Jobs

Today, thousands of people are working online so you can do that, too. You can do online marketing, and if you like to write, you can start your own blog, do data entry jobs, or some other online jobs, including proofreading, translating, etc.

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  1. Creative Jobs

You can dedicate your time to your talent, as you definitely must possess one: you can paint, write, explore, and design. If you are creative in nature, half of the problem is solved for you. All you have to do is start. You never know how much it will pay off.

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  1. Teaching

You can conduct language, fitness, music, math, or some other lessons, whatever your specialty is or whatever you know very well. If you use Skype or another video chat medium, you can teach others online, in areas where you are professional.

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  1. Babysitting

Taking care of children is another option if you are able to handle more of them (next to your own) in your house. If you can manage with one child, you can definitely manage with more of them, plus you will earn some money and provide a company to your children.

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  1. Customer Service Representative

If you find the right company, this job may be performed online and from your home. Your main duty is to attract potential customers by answering product and service questions, and that can be done over the phone or via email.

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So, what do you think? What is the best job for single moms?


7 Lowest Paying Jobs in America

Besides talking about highest paying jobs in America, being one of the main criteria people take into consideration when enrolling a university or attending training, it is also of a huge importance to discuss those jobs that are poorly paid. It is why this list with deal with lowest paying jobs in America, and in most cases, you will not be surprised. It is also important to know that the biggest economic crisis in the U.S. actually occurred in 2008 and 2009 and that even today the consequences may be felt. It has definitely recovered a little bit, but this enormously affected the amount of salary for certain jobs, especially those on the “blue-collar” list. What remained unchanged is that the lowest salaries are still present in retail and food services companies in recent years, but it seems that the situation will improve in the following period. You would maybe expect that the list will contain professions such as a plumber, electrician, painter, and some other similar jobs, but that is not the case. Check out the list inspired by NBC News, and see whether maybe your dream job is there. If it is, rethink your decision and make another choice. Remember, doing what you love is great – but that will not pay your bills by the end of the month!

  1. Food services

If you work in food services in America, you may expect to earn around $8.71 an hour, which may be around $18,000 annually. You have to admit that this is rather a poor wage, especially if you work at fast food, having to spend a whole day standing.

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  1. Dishwashers

Similarly like with food services, dishwashers have an average wage of $8.81 an hour. Florida is the state with the lowest hourly wage for the job, being $8.62, while dishwashers in Nevada may earn up to $11.29 an hour.

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  1. Cashiers

In America, cashiers make around $9.15 an hour, which is approximately around $19,000 annually. This job is in most cases performed by college students, as it is mostly done part-time, being an excellent opportunity for those who cannot work all day.

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  1. Hosts and hostesses

If you want to become a host or hostess, make sure to be aware of the fact that the average wage is $9.23 an hour, again being not more than $19,000 a year. This job is not easy at all, although it may seem so.

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  1. Amusement park attendants

Amusement park attendants have an average wage of $9.57 an hour, but Florida again has the worst conditions in America, as it pays around $8.90 an hour for this job. However, this may be an interesting and adventurous position!

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  1. Movie theater ushers, ticket takers

If you are a movie lover, the best thing about this job is the fact that you will get to watch all of the movie premiers for free. But, the hourly wage for this rather demanding job is $9.43, making it one of the lowest paying jobs in America.

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  1. Farmworkers

If you take into consideration that farm workers get to be paid around $9.51 an hour, and the fact that this job is usually seasonal, strenuous and dangerous, you will realize that the dream about a healthy village life is actually – just a dream!

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6 Furniture Shopping Tips

For most of us, having to do the shopping for larger pieces of furniture is not only financial but also a mental effort. However, people usually don’t mind investing more money, given the fact that the selected pieces should serve them for many years and look great all the time. Taking into consideration these requirements, it’s much better to take some time to be absolutely sure of your choice before, for example, you buy a new sofa or dining table. The question that arises in the case of the shopping is how can we know that this is really the best choice? Shopping for furniture is a very difficult decision, depending on whether we live in houses, apartments, condos, and on the other hand, depending on the budget we have. A large number of furniture stores and the benefits of online shopping made the process of buying furniture simpler than ever before. But, what happens when you unpack everything and realize that you absolutely have no idea where to put all that furniture or, worse, will it fit into the rest of the room at all? Arranging furniture is really a kind of art, and this list will try to make the process a little bit easier. Let’s learn something more about some amazing furniture shopping tips.

  1. Organize your thoughts before shopping

It is recommended to spend some time looking for inspirational photos to help you imagine the appearance of your home. Today, there are countless applications and programs that will help you gather all the elements you need in one place and see if they really fit your style and taste. Don’t rush!

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  1. Buy larger pieces first

When trying to keep a certain budget, the main rule is that big investments come first. In the decorating world, this means that you will equip your space with large pieces of furniture before you begin to buy accessories and ornaments. So your room will be immediately functional!

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  1. Don’t avoid second-hand pieces

You will need a bit of patience to buy second-hand furniture, but you can catch an absolutely beautiful piece in the perfect condition, as the previous owner may move and must get rid of certain pieces in a short time!

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  1. Measure everything. Twice!

Anyone who has ever purchased a larger piece of furniture without prior preparation will confirm to you how important it is to measure not only a piece of furniture in the shop but also a place where your selected piece will stand.

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  1. Be careful when it comes to colours

When buying, ask for the samples you can take and then return to the store to see if the colour of your new couch really looks like you imagined in your space and will it be in agreement with the rest of your interior.

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  1. Authenticity and Warranty

Ask what you get with the purchased furniture, what is the situation with the delivery date, warranty, spare parts, service, assembly, delivery, payment method, etc. This is something that is really important when it comes to shopping for furniture!

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6 Best Natural Products for Skin

It is widely known that the skin is the biggest human organ, with multiple roles in the human body. Its first and primary function is protective. It prevents the penetration of microorganisms and particles of dust and dirt into our body. The skin is the one that regulates body temperature and thanks to it, sensory stimulation is registered. This human organ also has a certain social role; if our skin is beautiful, nourished, healthy, and preserved, we behave safer with a greater degree of self-confidence. To keep the skin healthy and beautiful, it definitely requires everyday care. If you see that the cosmetic products that you use for skin care say that they are “natural”, it does not necessarily mean that they do not contain “suspicious” substances such as paraben or sodium lauryl sulphate, but it can just mean that there is an extract of some plants in its composition. Natural soaps, cold pressed vegetable oils and herbal butter are ideal ingredients for deep skin care, which will not cause skin irritation and possible unintended health effects. If you start thinking about your skin in the right time and give it the ideal care, you may reach to the point to look into the mirror and conclude that you simply don’t need plastic surgery. We have prepared for you several tips for saving and nourishing your skin with natural products. Check it out!

  1. Wild rose oil

This oil is rich in essential fatty acids, vitamins and minerals, and it also has natural antioxidant properties. It stimulates the natural regeneration of the skin, simplifies its pigmentation, and is extremely useful in treating wrinkles and prematurely ageing skin.

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  1. Almond oil and honey

One of the most popular old recipes is a face mask from almond oil and honey. Mix a tablespoon of almond oil and half a spoon of honey and apply on the face, and rinse with lukewarm water 20 minutes after.

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  1. Grape oil

This oil has been proven to have a positive effect on skin tension so it can be used for toning. In addition to nourishing and regenerating the skin, it is used in the treatment of acne and other dermatological disorders. It turned out to be very effective for the skin around the eyes.

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  1. Turmeric

This is a particularly good product for a well-cared armpit. If your skin under your armpits is darkened by the use of depilation cream, grease it with a mixture of cucumber, turmeric, and lemon juice, and repeat it every day until the skin is illuminated.

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  1. Egg white

If you are troubled by small wrinkles around your eyes, apply egg whites to this area. When it dries, rinse it with cold water. Repeat the treatment regularly and you will be convinced that this natural anti-wrinkle remedy is effective.

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  1. Argan oil

It would be difficult to list all the benefits that the argan oil brings us, therefore we will mention only the most important: this oil is extremely effective against wrinkles and dehydration of the skin, in alleviating acne scars, and is very good for the care of dry and cracked skin, as well as hair and nails.

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