4 Reasons Investing In A Website Is A Savvy Move

An investment makes you think of stocks and shares, real estate or precious materials. So, to sponsor a website sounds a little strange. Isn’t that what businesses do to boost their bottom line? Yes, but it’s also something any entrepreneur can do to secure a healthy return on investment. Sites are the current kings of making money, and the trend isn’t about to slow down anytime soon. If you need extra convincing, below are four reasons this step is a savvy move. Once you read the following, you may never look back.


Unparalleled Growth

Buying a site as an investment is a relatively new craze, so it’s hard to pinpoint the ROI. However, the info https://www.cloudincome.com/website-investment// seems to show that it’s a lucrative business. The experts agree that, on average, you can purchase a site for one to two times its value. As an example, the link above uses a buying price of $36,000. According to them, this would suggest a return of 66% per year. Real estate only averages 12%, whereas a small business is around 25%. Stocks and shares can plummet so fast that you lose everything. Only Bitcoin is on a par, but the share price suggests this is about to change. 

Indirect Revenue

Say you don’t buy a site but invest in one through a different means. Let’s consider the example of advertisement. The way it works is simple: you pay a website to promote a brand. Cynical people think this has no impact on the advertiser’s bottom line yet the figures suggest otherwise. Www.madebymarket.com/help/ads/ reckons Google AdSense makes $10 per CPM. A site which has endless amounts of traffic can make a small fortune from a Google partnership alone. That is without factoring in how many people make a conversion based on third-party ads.

Better Security

Why would anyone invest in a resource which is unsafe? After all, a hacker can break in remotely without too much effort. At least, that is how the uninitiated think it works. The truth is that lots of companies such as https://www.prosyn.co.uk/it-support-packages-london.php exist to stop breaches. Gone are the days when a free antivirus program was the only hurdle to prevent theft. Nowadays, digital security features include malware and Trojan horse software. There are even resources to make cloud computing less risky. As long as the people in charge are security savvy, there won’t be an issue.


Usually, an investment leaves you powerless. Stocks and shares are subject to the market, while property goes up and down based on demand. Sure, you can spruce up a living room, but there are lots of external forces still at work. Sites are different because you have the key and can do whatever you want to improve the platform. Changing content, social media interaction and customer service are three ways to boost traffic. Once this happens, the opportunity to make money grows and your investment will too.

It may be new, but the factors above show it to be well worth a gamble.

How to Claim Tax Benefits of Health Insurance

Health insurance plays a key role in an individual’s financial plans. It not only protects you and your loved ones in times of a medical emergency but also ensures you do not face any financial constraints. 

Although insurance has become a necessity, many people are not aware of its importance. In order to promote insurance, the Government of India has provided tax benefits on different kinds of insurance, including health insurance tax exemption.

Health Insurance

As a taxpayer, here are a few health insurance benefits that you should know.

Tax benefits under Section 80D of the Income Tax Act, 1961
  • As per Section 80D medical insurance benefit, if you are below 60 years of age, you may avail of an annual tax benefit of INR 25,000, which includes INR 20,000 against premiums paid and INR 5,000 on preventative health check-ups.
  • You may also avail of a tax benefit of INR 30,000 for your parents if they are above 60 years of age and even if they are not dependent on you. This includes INR 25,000 against premiums paid and INR 5,000 on preventative health check-ups.
  • If you are 60 years and above and are paying the premium for your parents’ health insurance, then you may avail of a total tax exemption of INR 30,000 annually. 
  • In case your parents are above 80 years of age, you may claim a tax benefit of INR 35,000 on their health insurance. This includes INR 30,000 against premiums paid and INR 5,000 on preventative health check-ups.
Let us understand this with an example. 

Scenario 1

Ramesh is a 45-year old man who has invested in health insurance for himself as well as his parents who are 65 years old. Given this situation, Ramesh may avail of an annual tax deduction of INR 55,000 on the premium payments and preventative health check-ups for himself and his parents respectively.

Scenario 2

Shyam is a 61-year old man who has invested in health insurance for himself as well as his parents who are 75 years old. Given this situation, Shyam can avail of an annual tax deduction of INR 60,000 on the premium payments and preventative health check-ups for himself and his parents respectively.

Scenario 3

Reema Sinha is a 65-year old woman who has invested in health insurance for herself as well as her parents who are 85 years old. Given this situation, she can avail of an annual tax deduction of INR 65,000 on the premium payments and preventative health check-ups for herself and her parents respectively.

A few things to note while claiming for health insurance tax exemptions are as follows:
  • You may avail of these deductions only if the premiums are paid via cheque, demand draft, credit card or any other bank transfer. Cash payments are not considered under the purview of tax exemption, except cash paid towards preventative health check-ups up to INR 5,000.
  • Tax deductions may not be claimed for past premiums paid or any premiums you are going to pay in the future. This means, if you have invested in a health insurance policy in the year 2016-17, you may only avail of tax deductions within that year.
  • You may enjoy tax deductions when you file for annual income tax returns. For this, you would need to fill out the deductions you are eligible for during that particular year and submit the necessary supporting documents.
Investing in a health insurance policy gives you not only protection from huge medical expenses but also savings in the form of tax exemption.

Effective Procedures to Avoid Wrongful Termination Suits

The manner in which employees are handled during the termination process plays a significant factor as to whether or not an employee files a lawsuit against the employer. While you can’t do anything about your employee’s emotions after the course of the termination, you can still prevent the likelihood of facing wrongful termination suits if you consider some tips to get rid of lengthy and costly litigation.

Wrongful Termination Suits

Below are some effective procedures to avoid wrongful termination suits:

1. Establish Proper Employment Procedures: If you need a significant number of people to help you run the business, it’s vital that you initiate proper employment procedures.
  • When dealing with employment, you should make sure that everything about your employment processes is in place. In other words, make sure that you’ve already prepared your employment contracts before hiring employees. Take note of the important information that should be included in the contract such as the employee’s position, salary, date employed, employment status and terms and conditions of termination.
  • If you’re uncertain about the legalities of the contract, have these documents reviewed by the company attorney. That way, your lawyer can see to it that your agreements are drafted under the law.
  • Also, don’t forget to check your company handbook and manuals. If you don’t have existing ones, create your company policies and be clear always when it comes to the rules and regulations to be followed for termination.
  • Refrain from distributing these materials without scrutinizing them properly. Make sure that you update all information in your company handbook and manuals.
  • Aside from policies and regulations, ensure that all agreements you've entered with your employees are put into writing. Keep detailed records of everything concerning your employee’s status of employment and even performance evaluations.
2. Provide Training For Employees and Supervisors: Providing training for your employees and supervisors can go a long way in maintaining a harmonious work environment for all.
  • When it comes to your supervisors, giving them the appropriate training about employment practices and workplace policies can go a long way to avoid the possibility of facing wrongful termination lawsuits.
  • Take note that one way of preventing termination suits from happening is to provide your employees with proper orientation and training. If your company policies and other employment terms and conditions are communicated to your employees, you’re doing the right thing. That way, your employee, when terminated for a just cause, can no longer argue that he or she has been wrongfully terminated without due process.
3. Institute Procedures For Legally Terminating An Employee: Going through a termination process can be dreadful to both the employee and the employer. No matter how careful you’ll be in dismissing an employee, facing an actual wrongful termination lawsuit is still possible. That’s why instituting procedures for legally terminating an employee can also be a perfect idea. 
  • Follow the Law: In terminating an employee, following the law is fundamental. Make time to understand and familiarize yourself with your state’s employment laws. Be sure that you also obey your government’s employment guidelines so that you’ll know exactly what to do in legally dismissing your employee.
  • Conduct Performance Evaluations Regularly: Remember that employers provide regular evaluations to check an employee’s work performance and to recommend areas of improvement. However, if you think of terminating an employee due to their inferior performance despite your earnest efforts, taking advantage of the results of performance appraisals can help you avoid termination suits.
  • Make Use of Termination Protocols: Keep in mind that employment termination should be done with the observance of due process of law. In other words, specific steps should be followed before directly terminating an employee. If you don’t want to encounter expensive and lengthy termination lawsuits in the future, be mindful of the following termination protocols:
➔Be sure to notify your employees in writing about their regular performance appraisals. Do not just give verbal information about employment-related matters.

➔Ensure that performance appraisals or reviews are acknowledged and signed by your employees. Keep these records intact for future use.

➔Provide warnings in writing before terminating an employee. Document everything, including your conversations. 

➔Gather sufficient documentation to support your termination decision. However, make sure that collecting information should be done legally.

➔Seek appropriate legal advice from a licensed attorney regarding employee termination. Try to inquire if you’ve followed or missed out on some important legal considerations in dismissing an employee.

➔Offer assistance to the terminated employee. Bear in mind that you can minimize the risk of being sued for wrongful termination suit if you extend support to the employee you’re terminating. 

Compliance with the employment laws in your state can provide you with the assurance that you’ll not come across with wrongful termination suits anytime soon. As long as you adhere to the above effective procedures to prevent termination cases, you can take comfort in the fact that you’ll hopefully be running a litigation-free business from now on.

Disclaimer: This article is only intended to provide general information about the effective procedures to avoid wrongful termination suits. It is not, however, considered as actual legal advice regarding the subject matter. If you’re facing a termination suit, it’s recommended that you contact an experienced lawyer to help you with your situation.

About the writer: Cindy Dowling, part time writer who offers a fresh take on various law topics with the pieces she writes for local firms. Cindy enjoys a good cup of coffee and a good book whenever she has the time. 

Put your financial house in order – 6 financial resolutions to keep in 2018

The New Year brings with it the promise of a new beginning and also the hardships of tracking self-improvement. As per the research from the University of Scranton, the nostalgic holidays and an entire year of regrets, around 50% of the Americans decided to make resolutions for the New Year. The New Year is undoubtedly a great time to change your life for the better and the best place to start is by making few solid financial resolutions which can get you closer to your monetary goals.

financial resolutions

Whether it’s boosting your retirement savings or keeping aside enough money for being able to make the required down payment on your house, you’ll always need to take care of your finances so that you can set your financial house in order in 2018. What are the steps that you should take? Read on to know more. 

#1: Stay prepared for risks and monetary disruptions

Now is the age of monetary disruptions because things are changing and moving at a rapid pace which is gradually becoming unbelievable. Hence, it is important to be mentally and financially for such risks. Despite being aware of different kinds of risks, we tend to ignore them. If you haven’t still done that, start off this New Year and reduce all risks, if not eliminate them. Do away with not having any retirement plan, not being adequately insured and not considered about being overweight. 

#2: Know what exactly you want

Now that you’re resolving for the New Year 2018, have a concise financial goal. You just can’t do with saying that you wish to pay down your credit card and have enough money in the bank. In fact, your goal has to be actionable and clear. You have to take instant action so that you could show yourself that your credit card is paid down and that you have an IRA that’s fully funded!

#3: Set priorities for your debts

Remember that all debts are not created in an equal manner. You have to enlist your obligations and categorize them by their annual interest rates that you pay on them. If you’re already paying 19% or more than that in the form of interest rates every year, there’s no use in investing money. In most instances, the best course of action would be to sell off your savings bonds, certificates of deposits and cash holdings as well. 

#4: Open an IRA or a Individual Retirement Account

If you still didn’t open one, make sure you open an IRA and begin contributing money towards it. In case you have an accountant or a financial planner, he should inform you about whether a Roth IRA or a traditional IRA would be appropriate for you. Both offer tax benefits which can add to offer you a significant amount by the time you retire. 

#5: Close down the unnecessary accounts

Financial institutions and banks usually charge fees for almost everything. Is it necessary to have multiple checking and credit accounts? Though there are exceptions, the answer is always a big ‘No’. So, you should close down all the unnecessary accounts. 

#6: Make a passive source of income by doing what you prefer doing

Majority of the people can always have one thing about which they’re truly passionate. One of the best ways in which you can enjoy your work is by doing those things which you love to do. When it comes to making a passive income source, this is perhaps the best time to transform your passion and hobbies and capitalize it. You can therefore try them out to earn a passive source of income. 

Therefore, now that you know about the best financial resolutions that you should try your best to keep in 2018, what are you waiting for? Get up and take immediate action regarding your personal financial state so that you don’t have to spend a financially chaotic 2018. If you fall short of the qualification criteria of other types of secured or unsecured loans, you can opt for title loans this New Year from https://www.tfctitleloans.com/.

Know more about Debt Collection Laws: Collections Process, Practices & Methods

When you hear the term debt collector, what kind of images come into your mind? You’re probably thinking of a person wearing a black suit, tie, shiny black shoes, with a permanent stern look on his face. You might picture someone who’s hard-hearted and would throw people out of their homes because they can’t pay their dues. This cliché portrayal of debt collectors may not be without reason. Credit collectors, however, have a right to collect money. You owe money to your creditors, and credit collectors are just trying to do their jobs by collecting pay for what you legally owe. 

So, what is Debt Collection?

Debt collection is a process of collecting payments of money owed to you by a person or a company. If you’re unable to collect payment yourself, you can go to a debt collector. A person or an organization that collects unpaid debts for other people is called a debt collector. Most debt collectors work as agents of people or businesses who loan out money to collect the debt for a percentage of the total amount received.

Debt Collection

What is the Process of Debt Collection?

Each creditor has their own policies for sending out their accounts to collections. Before getting a loan or getting granted for a credit card, you’ll need to sign an agreement that binds you and your bank. This deal is called credit card or loan agreement, which lists the pricing information of your credit card or loan. If you review the agreement, you’ll be informed of how long a period of non-payment will occur until it’s sent to a collection agency.

Three Phases of Debt Collection Process:

1.First Six Months of Your Delinquency

The first six months of your non-payment on your credit card or loan is the time when you’ll be dealing with a first-party agency, which is your creditor’s internal collector. During this period, it would be ideal that you try to pay and settle your debt because the only people involved are you and your creditor. Plus, payment of your debt during this period would help maintain a positive relationship between you and your creditor.

2.Debt is Passed on to a Third Party

If you haven’t paid your debt after six months, your creditor will pass it on to a third-party agency. The third-party organization is a debt collector. Even if the debt collection is passed on to a third-party, the debt is still owned by your creditor. If the third party would be able to collect the payment from you, they’d earn a commission in the form of a percentage of the debt or fee.

3.Writing Off and Selling of Your Debt

If collector of debt fails to collect the payment of debt from you, your creditor writes off and sells your debt to an outside collection agency. The outside collection agency is known as a debt buyer. Once your debt is sold, the creditor’s not involved anymore. The debt buyer will collect the debt plus interest from you, to profit from buying it. 

What are The Prohibited Debt Collection Practices?

When your creditor passes on the debt to a debt collector, the collector must follow the rules of the Fair Debt Collection Practices Act (FDCPA).

Here are some things that a Debt Collector can’t do:

1.Call you at inappropriate times: collector of debt is not allowed to call you before 8 am and after 9 pm.

2.Call you at work: collector of debt is not allowed to call you at work, especially if he/she is aware your boss doesn’t let these calls.

3.Harass, oppress or abuse you: collector of debt is not allowed to call more than necessary, threat you, stalk you, etc.

4.Lie to you or imply that you’re a criminal: he/she is not allowed to conceal his/her identity when calling you, tell you that you’re a criminal, lie to you in any way, etc.

5.Disregard your written request of ceasing contact with him/her : When you’ve sent collector of debt a letter terminating your contact with him/her, he/she must respect your request.
If you have a debt, pay for it as soon as you can to avoid going through the debt collection process. If you’re facing business debt, be sure to get the help of a business law attorney who can help you decide the necessary steps to take. And if you can’t pay for your debt, and a debt collector violates your rights, contact a lawyer and ask him/her about what to do. However, if you’re unsure whether collector of debt has violated your rights, contact the Federal Trade Commission (FTC). Once you find yourself in debt, plan on how you’ll pay for it, and if you’re unable, consider getting help.

About the writer: Daniel Grate is a professional writer in the law industry. She currently writes pieces on various law topics for the common reader. In her spare time she spends quality time with her family and friends.

Improve your financial situation and invest in Bitcoin

Bitcoin alludes to the brand of cryptocurrency and instalment framework that was concocted by an unidentified software engineer or developers under the name Satoshi Nakamoto and was presented in 2008. Every one of the exchanges between the clients take place with no delegate. The component that is vital to the product is an open distributer record known as the Blockchain and each Bitcoin is considered as a unit of currency by this record. 


Bitcoins are created by trading it for monetary forms, items or administrations. The effect of Bitcoins in the market landscape has been significant throughout the years and is still rising. It is in this setting we dissect motivations to put resources into Bitcoins and here are some benefits of it:

Numerous applications 

According to a Bitcoin expert at Olsson Capital, John Callaway, Bitcoin is an instrument with different applications. It is separated from being an advanced currency that can be utilized as a part of different routes by its Blockchain innovation. The Blockchain programming of Bitcoin can be utilized for things other than coins, for example, computerized trading of securities, for the exchange of titles or group financing.

High strength in a temperamental domain 

The cost of Bitcoin has been steady. The level of strength appeared by Bitcoin amid the last one and a half to two years are contrasted with budgetary instruments. This appears in relations to the soundness of the worldwide economy. The global monetary circumstances are unsteady with Bitcoin being separated from the regular securities exchanges and currency components that have not been influenced. 

Mover preferred advantages

The age of advanced currency is upon us with clients, merchants and individuals moving from conventional instalment strategies. It is in this approaching advanced age that Bitcoin has a first mover advantage with an expansive closeness in the market. The aggregate market estimation of capitalization that Bitcoin has is well more than 6 billion with its closest contenders notwithstanding the 1 billion mark. 

Bitcoin-dividing convention 

Bitcoin takes after a convention by which every 210,000 blocks, the measure of new bitcoins made is sliced down the middle. At the point when Bitcoins was propelled in 2009, the clients were remunerated with 50 Bitcoins per square. This reward was split in November 2012 to 25 Bitcoins per piece. This will proceed to happen and the number will be split once more. The measure of Bitcoins that can be made is held under wraps by the convention it keeps running on.

Leaning towards a cashless economy 

Globally, there is an unquestionable pattern of moving towards a cashless economy. This will build dependence on advanced currency and other instalment strategies. Bitcoin, being kept in a compact mode, will be more usable than other strategies, thus Bitcoin is called digital money. 

Monetary patterns of Bitcoin 

Monetary highs and lows are highlights of every single financial instrument. Bitcoins began off little in trading in 2010 with $0.1 for each Bitcoin and it has been rising from that point forward. In 2011, it went past the $1 stamp and went to $32 when it collided with a low of $2. At that point, the highs and lows started with costs going up to $250 to $60 and then to $100. This financial pattern, predictable with many instruments, has been proceeding and has been demonstrating upwards patterns from that point forward. 

Positive assumptions towards Bitcoin 

The feeling towards Bitcoin has been getting positive from the underlying idea of dread when it was first presented. These positive assessments assume a generous part in the further advancement of the innovation with better market demand, a more extensive client base while essentially expanding monetary help. 

Bitcoin utilized as a support 

Throughout the years, history has instructed that gold has dependably been an extraordinary support. When there was a monetary blast or fall, individuals have purchased gold. In the present day, Bitcoin is removing this position from gold.

Simple trading 

Trading Bitcoin is extremely easy. Purchasing requires a credit card,Paypal or a digital wallet. These are stages that take into account effectively purchasing Bitcoins, for example, Bitquick and Blockchain. Exchanging these Bitcoins to different clients is also very simple. In any case, mind must be given amid such exchange.

The absence of currency control

Bitcoin keeps any control of market cost or exchanges. Any exchange, once performed, can't be switched. There is no middle persona such as a bank which will be equipped for affecting the market or costs. This makes the exchanges modest, straightforward and quick. This takes away all feelings of trepidation of being tricked and the main reason for this is making precise exchanges.

Getting People To Actually Remember Your Business

Nowadays, it seems like there’s a new start up every time you turn a corner. When you’re trying to get your business on the roadmap, it can be frustrating to find that there are constantly new entries in the space vying for attention. So, how do you make sure that you stand above the rest and be remembered not just by customers but by the people you meet and speak to?

business people

Be memorable

You can set yourself up for success or for a fall right from the beginning when you make the big decisions about the business, such as what its name will be and what the brand’s focus will be. If you’re not widely known yet and you find you don’t have the brand name appeal you need, you can start from a clean slate. But take the time to think about what makes a name memorable and what is the best possible value proposition to add to communicate what you do effectively to your customers.

Have a signature style

When you’re deciding the cores of your brand, make sure that they are cores you can rely on again and again. You have to be able to use your logo thousands of times and to have a colour and design scheme that you can use through hundreds of documents, web pages, and business cards. Consistency is crucial to being memorable. Every time you create new brand material, make sure you have a visual style guide that your team can follow to make sure it fits the company identity.

Incentivise your talkers

Whether it’s your sales team, your customer service squad, or the gaggle of networkers you take with you to events, make sure that you create real brand advocates out of them. Treat them with respect, first and foremost, and brief them on what’s going well and what isn’t. But moreover, give them a little incentive with a reward system. They should believe in what they’re selling, but raising the stakes some can be just the push they need to sell it even harder.

Free is always good

When you’re at conferences and networking events, or inviting people to the office, giving them a little something they can take away can do wonders. Many businesses use the strategy of freebies to scattershot their brand out there. But the best businesses offer something with real value, something that others aren’t giving. Instead of the same mug or USB pen that your competitors give, offer something unique. Trolley coins are easily branded and not quite as ubiquitous. Even things like branded hand sanitiser or mints have an immediate value in the crowded context of a conference.


If you have a chat with someone and you exchange contact details, send a follow-up email. It doesn’t matter if they’re not a valuable lead. People remember good etiquette. What’s more, if they are a valuable lead or you have a truly engaging conversation, you shouldn’t fail to capitalise. It’s easy to send follow-up emails and it can more valuable than you might think

Naturally, all of the tips have to be supported by running a business that’s actually worth remembering. A product that stands out and customer service that actually services the customer are essential.

DIY Projects That Are Cheaper Than Hiring Someone

There are a lot of DIY projects around the home that you can do that are cheaper than hiring someone. Hiring a professional can be expensive, and if you have the time and energy to complete it yourself, then you might as well save yourself some money.

DIY Projects

Fitting Carpet

Fitting a carpet might sound complicated, but it really isn’t. This is even truer if you buy a carpet that comes in squares and each one is fitted separately. If you are fitting a single roll carpet, then you might want a second pair of hands to help you lay it out flat and ensure there aren’t any kinks or lumps in the carpet. However, you can rope in a friend, child or spouse to help with this and fit the carpet no problem. By fitting the carpet yourself, you might be able to afford a more expensive and luxurious carpet because you don’t need to pay for the fitting. To fit most carpets, you will need to first lay down the underlay, and they layer the carpet over the top. However, some carpets are different from others, so you should check with the store what the best way to fit it is and follow an online tutorial when fitting to ensure that everything goes smoothly.

Painting and Wallpaper

Both painting and wallpapering are excellent DIY projects that are so much cheaper to do yourself. This assumes that you have the time, but neither take especially long so you might as well save yourself the cash. This is especially true for wallpapering which can take only a matter of minutes if you know what you are doing. When it comes to painting if you have a roller and large brush then you can quickly cover the wall with your chosen paint before going over the edges with a smaller brush. Just make sure not to spill any paint on the floor or other places as this can be a pain to remove. You should put newspaper or sheets down to prevent this from happening. Both of these are fairly easy to do and can a be a relaxing activity that you can enjoy doing. This is true for a lot of DIY, so whether you need some sandstone sealer or to fix the garage door, you can take the time to enjoy whatever you are doing.


A lot of people will already fit their own shelving, but some might not. Most pre-bought shelves will come with instructions on how to fit them, so you can follow this guide when doing the DIY. However, make sure that you have a measuring tape and a spirit level so that your shelves are flat and not dipping to one side. You might also want a second pair of hands to help you keep everything in place when it comes to screwing or drilling the shelves into place, too. However, you will likely be able to manage by yourself unless the shelves are high off the ground or particularly heavy and large.

Let It Go! 3 Signs Your Business Is No Longer Viable

When you start a business it is all consuming in the way it affects every aspect of your life. It probably took a lot of research and financial investment to get your business up and running and you have probably given the running of your business as much attention as is needed by a new baby! In fact you could describe your business as “your baby”.

You believed that your business would succeed and you developed a business plan which showed year upon year of profitability and success. 

No Longer Viable

Suddenly, you begin to have second thoughts. Perhaps your drive has gone, or the business is not doing as well as expected? It is easy to become disillusioned and feel that your business is a failure. Remember though that lots of very successful entrepreneurs have been through exactly the same experience. Most of these successful business owners have a whole host of so called “failed” businesses behind them. Each business reached its natural end and so was either absolved or sold. One thing is for sure the skills gained during the process of starting a business can be used to further your future business plans. No time has been wasted, so brush yourself down, hold your head up high and move onto your next plan.

The decision to end a business is tricky, but must be done if it is no longer viable. There are signs that your business is not sustainable, some of which are discussed below.

Not profitable

It is normal for a business to run without profit for several years, whilst it becomes established. Costs relating to setting up the business such as the purchase of equipment will also cancel out initial profits. If you are still not making a profit after several years, or your predicted profits on your business plan are not being achieved, you need to take stock and reassess your businesses viability. Financial advisors would be worth consulting, as they can give advice on how your personal capital is being affected by your business. If you have put all strategies in place to give your business as much chance as possible to grow, it may be time to admit defeat and let it go.

Change in market trends

It may be the case that your products or services are no longer in demand, meaning there is no market for your business to grow. Trends change so rapidly and businesses need to keep up to date with developments, so that they know what the next “big thing” will be. If you cannot tweak what you offer in order to meet current demands it would be best to absolve the business. There’s nothing stopping you from relaunching another in the future. What you need to avoid is going into debt.

Loss of interest

Running a successful business requires passion for it to succeed, if you no longer love what you do there will be no driving force to move your business forward. Admitting that you don’t enjoy your product or service is the first step. If your business is profitable and viable you could sell up, otherwise it would be best to end the business to avoid going into debt.
Moving forward, it is good to know when to quit. You can use your skills in other areas in order to develop another business in the future.

Making Your Business Environmentally Friendly

There is more and more focus on how we live our lives these days. We make conscious decisions everyday to make purchases, be that online or in person. We are always been made aware of things we can be doing to save our planet and lowering our carbon footprint, but are you doing all you can with your business? There are many different ways you can make an impact and become much more environmentally friendly. So I thought I would share with you some of the ways that you can do that.

Eco Friendly

Making the packaging more environmentally friendly

First of all, why not look at ways that you can make your packaging more environmentally friendly? Sometimes businesses in the past have been accused of using too much packaging for their items, when smaller more slim lined options could not only save on the materials you use, but could also help on your mission to be a little more eco focused. Things like custom stand up pouches for liquids or food items, or something vacuumed packed which could then save on the outer materials for delivery purposes. If you research your options enough, you are sure to find a more suitable method of packaging for the items and products you sell. 

Changing the habits in your office

Sometimes it is just the habits that you change that can make the biggest difference, and if there is more than one of you in the office or working environment, then it needs to be a collective decision to make some changes. Switching computers off at the end of the day instead of leaving them on standby. Switching lights off and turning off heating or cooling systems can not only help the environment, but also bring down your energy costs. 

Recycling old technology

Many working environments will know that you can go through technology fairly fast. With the introduction of new systems, fast processors and quicker speeds for the likes of internet, you may find that you have an abundance of old tech lying around. A great tip is to look into recycling these older models instead of sending them to landfill. 

Alternative methods of delivery

Could you be doing more with your delivery methods? Perhaps looking into lower emissions vehicles for your fleet or choosing courier and delivery service companies that also have an eco approach to the way they do business. There are other options to consider, and sometimes, delivery methods can be the area that impacts the environment the most. 

Making the premises more eco-friendly

Finally, there are other ways you can make your working environment that bit more eco-friendly. First up, think of the bulbs you use to light the office or warehouses that you have. Changing these can be a simple decision, but the impact on your energy costs could be astronomical. You could also change heating and air conditioning systems for more up to date environmentally friendly models. 
I hope that this has given you some incentive to make some changes to your business this year.

How Your Business Could Be Saving And Making Money

Believe it or not, saving money and making money are not two mutually exclusive things in the world of business. You don’t always have to cut corners to save money, and you don’t always have to spend a fortune to make money. There are ways to save money and actually make your business more profitable. It might require more work but that’s why you got into this game in the first place. Here’s a look at some of the ways in which your business could be saving and making money.

social trends

Utilize your existing customers

The best kind of marketing is free marketing, as we’ll mention throughout this article. If you really want to advertise your business without spending a thing, however, then you should look to your existing customers. Word of mouth marketing is the oldest kind of advertising on earth and, with the help of the internet, this can now work on a larger scale than ever before. But you need to incentivize those happy customers to tell their friends about you. You could start a referral scheme through which you offer rewards such as discounts to customers who tell their friends about you (given that those friends then make a purchase from your business using a referral code).

Widen your online footprint

The internet isn’t just a tool that’s helpful for businesses. In this digitally-oriented era, it’s absolutely essential for businesses. And you’re definitely going to find that your business is out of the loop if you don’t have a big online footprint. This isn’t to say that traditional methods of marketing your brand through billboards and posters out in the real world don’t still make an impact on people but you’re certainly not reaching the entirety of your target market.

Widening your online footprint starts with a better website. You need to rank well on search engines so as to ensure potential customers find your business before others in your industry. You might want to look into a professional SEO company to help you with this. This is all part of a bigger game to widen your online footprint. Plus, online marketing is far cheaper than traditional methods of marketing; you can spread your brand throughout the internet by spending next to nothing if you’re smart.

Promote better brand values

As discussed in the previous point, your brand is your business’ biggest money-maker. And there’s no denying the importance of social trends when it comes to building a highly profitable business. In the modern age, consumers are becoming increasingly concerned with the ethical implications of the goods and services they buy from companies in every industry. No business is exempt, whether you’re running a small local firm or a huge international empire. You need to promote better brand values and that starts with you focusing on what it is that your company represents. It doesn’t matter how fascinating your industry might be; any business can cultivate an exciting brand.

At the end of the day, you have to build more than a corporate shell. You need to focus on the people working within your business and the people to whom you’re selling products. Think about things that matter to human beings. You could create the most eco-friendly business in your industry, for example. And this won’t just make a profit from impressed customers but also save money. Cutting down on paper will reduce business costs, for example. And using less electricity or water in the workplace will reduce your utility bills. It’s a win-win situation.

How to Use Your Amex Reward Points

American Express is a financial service that deals with credit cards, traveller’s business cheques and charge cards. Amex membership reward program is an attractive program in which anyone can participate. The more you spend with your Amex cards, the more points you'll gain. You can redeem these points to enjoy lavishing rewards and incentives.

Reward Points

Amex rewards can be claimed by registered members. Many businesses also use the reward system to appreciate the efforts of their employees. Let’s take a look at the top ways you can use your Amex reward points:

Travel to Your Favourite Destination

Book vacation to your favourite city with Amex rewards points. The package includes one-way or round-trip ticket, hotel room reservation, car rental service, and cruise trip. You can make the entire payment with your Amex points or pay a partial amount with your credit card. Make sure you have 5,000 or more points in your account to make payments.

Amex reward points can be used with top airlines such as Qantas Airways, Etihad Airways, Virgin Australia and Singapore Airlines.

Get Discounts on Flight Fares

American Express offers deals and discounts on air tickets for loyal members. You can use your Amex points to book tickets via Expedia at discounted rates. These discounts are available on certain flights for a brief time. Therefore, keep an eye on offers so that you don’t miss on the best deals in town.

Pay Taxi Fare

American Express partners with NYC Taxi for its reward program. Registered members can now pay their taxi fare via their reward points. All you need to do is to swipe your valid American Express card to redeem points. You can log in to your online account to check your point balance.

Purchase Latest Tech

American Express reward program makes online shopping convenient for members. You can log in to your account and purchase electronic equipment, computers, gaming consoles, sports goods and latest tech gadgets with your Amex points.

Online Shopping

Amazon is one of the biggest online shopping centres. Here you can find everything such as books, movie collections, sports equipment, automotive supplies, gardening tools, beauty products and what not. You can now buy items and have them delivered to your doorstep.

There is no need to spend hours on grocery shopping. American Express reward program gives access to one of the largest food delivery system, Grubhub. You can order groceries to prepare meals at home or book your order for deliveryor takeout from restaurants. The service operates in more than 1100 cities and you can treat yourself to delicious meals from more than 50,000 top restaurants.

Business Travel

American Express makes corporate travel more convenient. The reward program helps you reduce your travel expense by up to 40%. It’s a great idea to redeem your Amex rewards points for additional travel options or upgrades.

Ticketmaster is another service offered by American Express. You can book tickets for events held anywhere in the country. You don’t need to worry about exceeding your budget, since you can easily use your reward points to purchase event tickets.

Luxurious London Locales - Splashing Out When Money Doesn't Matter

London has it all. Not only is it the Capital of the Country, but it’s also a Fashion and Finance Capital of the world. Where money and glamour meet, you will never be short of finding things to do that may well be out of range of the pauper's purse. So if you fancy splashing the cash and experiencing all that London has to offer, here are a few ideas to take you off the beaten path and into the world of the wealthy.

Spend A Night Like Stiller

Live the movies; the Natural History Museum makes it possible to skip the crowds and sleep under the dino-stars! This adults-only overnight option includes music and movies, a sumptuous breakfast buffet along with craft beer and wine. 


An Eye In The Sky

Taking a flight on the London Eye can be a thrilling experience, one enjoyed by tourists worldwide. You can convert this experience into a private event by booking a capsule entirely for you and your guests. One of the most exclusive choices is champagne tasting capsule, reserved for up to 30 guests while enjoying five Pommery Champagnes.

Sumptuous Salvatore

Head on over to Mr Salvatore Calabrese’s bar at the Playboy Club where he expertly crafted the world’s most expensive cocktail using four ingredients: a 1778 Clos de Griffier Vieux Cognac, a 1770 Kummel Liqueur, a circa 1860 Dubb Orange Curacao and a few dashes of circa 1900s Angostura Bitter. This incredible concoction will only set you back approximately £5,500 per drink!

Glamour on the Orient Express

The Orient Express is world renowned as the world’s first international luxury express train, whisking you away to Berlin, Paris or Venice. Play detective while enjoying a five-course lunch with champagne and half a bottle of wine per person. It doesn't take much working out that it’s one of the more expensive days out you could opt for.

Take a Bite of the Bling Burger

The £1,100 Glamburger crafted by Chef Chris Large of Honky Tonk is the world’s most expensive burger. What makes it such an exclusive eat? The patty is made from Kobe Wagyu beef and New Zealand venison, topped with black truffle brie. It also contains saffron poached lobster, Beluga caviar, hickory smoked duck egg, a mango and champagne jus, grated white truffle and maple syrup coated streaky bacon. Even the bun is a gold standard! It is covered in gold leaf and seasoned with Japanese matcha and cream mayonnaise. 

Flight of Fancy

The London Helicopter company offers different packages you can choose from, including a private tour package (£1,500 for six people), whisking you 1,000 feet above and around the city for 30 minutes. The tour covers over 30 iconic London landmarks including the Tower of London and Buckingham Palace.

Live in Luxury

There is no point crunching the credit cards to go then and stay at a cut-price accommodation. Top off the tour lining in luxury in one of the apartments from London serviced apartments. This way, when inviting your new celebrity friends back for a bottle of Bollinger, the image of indulgence never slips!

3 Reasons You Should Get Rid of Your Car

Having a car feels like a must these days and judging by the number of cars on the road, it seems that everyone and his dog owns one. Though they are certainly the easiest way to get about, cars are also incredibly expensive to run, heavily polluting and lead to an increasingly sedentary lifestyle. 

Reasons You Should Get Rid of Your Car

You might not want to get rid of your car, but the reasons for doing so are quite compelling - and it’s not like you can’t get in a car ever again…

Cars Are Expensive

You would think that the main cost of a car is the car itself, but actually, mounting insurance costs mean that in some cases, young drivers are paying more for their insurance for the year than they are for the car itself. This means that even once you have made your first big payment, your insurance is going to double that money - and let’s not even think about the consequences of having to make a claim. 

Furthermore, as fuel prices rise and parking within town and city centres gets more expensive, the cost of driving day to day is going up too. Though the car might be the most convenient method of getting to work, unless you have a free car park and fuel paid for, it’s likely that a train or a bus will be better for your commute. You can make this even cheaper by purchasing a monthly or yearly pass.

The Are Plenty of Other Modes of Transport

Getting about has never been easier and though we like to complain about public transport, the network is continuing to spread far and wide, connecting more and more people. The choice of public transport is also diversifying, especially within larger cities where innovation is key to getting people about. 

With apps like Uber and Lyft catching on, it is getting even easier to get a shared or solo ride in the city. These apps are usually free, easy to use and could definitely replace much of your dependence on your own car. If you are new to the idea, a lyft coupon code could be just the thing to get you started.

Walking is Best

If you still aren’t convinced about alternative transport options, walking is a great way to get fitter, improve your mood and slim down. Though living close to work might be more difficult for city workers, walking shouldn’t be discounted as a solution to making other transports more affordable. For example, you could save money by parking in a cheaper car park a little further away and walking the remaining distance. 

As a society, we have all become too dependent on our cars but, even just reducing the amount you use your car will have a big impact. Consider it this way: add up all the costs your car will rack up over the year including insurance, petrol and parking, and then divide this by the average cost of a taxi or a ride on public transport. 

If the alternative is cheaper, why would you keep the car?