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Splurge the Right Way to Maximize Your Satisfaction

So you’ve been doing a good job of saving up money and not blowing your entire paycheck on frivolous buys. Great job! But before you decide to treat yourself, make sure you know how to splurge in a way that doesn’t completely demolish all the hard work you’ve put into your financial house. Just like with car insurance, there’s a right way and a wrong way to go about spending your hard-earned cash. Make sure you know where a particular path leads before you head down it.

Know Where Your Every Penny Goes

Before you buy something nice for yourself, know how and where you’re spending every penny of your income. By conducting a money audit, you might find you’re spending a bit too much on eating out or ordering delivery. There might also be services such as music and video streaming you can either do without or reduce to a less expensive plan. The money left over can go into savings or be used to pay off other bills.

Lower Your Other Expenses as Much as You Can

Something else to do to feel better about the money you splurge is to reduce necessary expenses as much as possible. For instance, you actually might be better off not making extra principal payments on your mortgage or car payment every month. You should also take excellent care of your car and drive it for as many years and miles as possible to avoid the costs associated with a car payment. There might also be areas in your life where you can save money, such as buying used products rather than new. See if your favorite grocery store has a discount card, if you can bundle your insurance policies to save on the overall cost and cook more at home rather than eating out all the time.

Automate the Savings Process

Rather than manually put money back into a savings account every time you get paid, something you might forget to do, you can automate the process instead. There are special programs and apps that automatically put a specified amount of money into your savings accounts whenever you wish. If you find you aren’t strapped for cash when your savings is automated, it’s a good indication you’re doing a good job of handling your finances, which often makes it easier to splurge whenever you wish.

Set Up a Reward System

If you truly want to earn the money you splurge, set up a reward system. For instance, if you give your house a thorough scrub-down, you can put back $15 into your mad money account. Manage to eat healthier this week or this month? Kick back another $15. When you reward yourself for being more responsible, it’ll feel that much better to be a bit irresponsible with your splurge. Just make sure you don’t cheat when it comes to this reward system. Otherwise, you likely won’t feel as good about going on a little shopping spree.

Top Off Your Emergency Fund

To better ensure you don’t feel guilty about past surges when financial hardships hit, do everything you can to build up your emergency fund before you do something nice for yourself. Once you put money into your emergency fund, it’s best you do everything in your power to not touch a penny of that money if it’s not for an actual emergency. Such emergencies should be ones that threaten to put you and your family out on the street, empty all your other accounts or endanger either your health or future income. Because it can be hard to gauge just how much such emergencies can cost, you’ll want to save more than you actually think you’ll need.

To get the most out of splurging, you’ve got to take steps to eliminate some of the guilt that can come with splurging. Put these tips to good use, and take care of your financial needs before tending to your financial wants.

 

Building a positive relationship with a customer


Lots of businesses run cold calling schemes and various other outbound sales techniques to build their customer base. This form of marketing is very reliant on the relationship you are able between yourself and the prospect. The more you work on the relationship, the more you should be able to earn from that prospect. There are many different ways that you can work on the relationship and in this article we are going to discuss various different ways that you can build the relationship up to earn the most money you can!

Regular calls that are pleasant and not too frequent

As stated, cold calling is a very popular method of building sales as it is the employees actively calling up prospects to hopefully drive sales. This can be very effective and can really boost business however it needs to be done carefully as to not get annoying. Calling too often would begin to annoy them which will reduce their chance of working with you. Call them once a month, unless they say otherwise just to check in, see how they are doing and ask how they are on stock and if they want more.

Getting special offers that they couldn’t get anywhere else

If you want their business, you could incentivise them to come with you buy offering them special deals and services that aren’t available on your site, in your shop or anywhere else. This will lead them to believe that they are being treated specially and cared for which will make them want to deal with you more due to the special service. Not only that but it can act as an incentive for people to purchase with you when they may be a little sceptical beforehand.

Free promotional gifts

Giving promotional items away is a very popular marketing technique with inbound and outbound sales alike. This involves printing useful items with your company’s logo and artwork and then giving them to your prospects and clients. This is a great way to build your relationship as if they receive a genuinely useful item like a printed tote bags they will instantly look at your brand in a more positive light. The second benefit is that they will now see your logo whenever they use the item, subtly reminding them of your brand and keeping that connection strong in their brain. Find out more about printed tote bags

Not all business

The last thing you want your prospect to do is dread answering the phone to you. This happens when your ring them and only talk about business. It makes them not want to talk with you and thus leaves them with a negative impression of your brand. Don’t be afraid to talk with them about other things like weather, TV, films, their hobbies or what it is like in the office as this will relax them and opens them up to be more talkative with you when you do go on to discuss work. This doesn’t only relate to cold calling. Arrange to meet up with the client out of work for lunch to discuss work but not only work. If they enjoy talking with you they will be more open with you about the work aspects and happier to spend money with you.

Bend to their needs within reason

Another way to make the client feel special is that when they make special requests, go out of your way to ensure that they get what they want. It shows that you are attentive and want to work with them which makes them feel special again and happy to work with you. It is also important that you bend a little to what they want as they may not want to work with you otherwise. They may feel like they can be picky due to the fact that you are contacting them. They may not purchase with you otherwise so it is important to bend if only a little.

Leveraging Technology As A Real Estate Franchisee

Although realty firms have been around for hundreds of years, the notion of taking the actual business of house sales and making it into a more automated process is something that has really only come into its own over the past 15 years.

As most brokers know, the addition of the MLS on the Internet at the end of the 90’s coupled with private online listings helped increase home prices and the number of sales over time.

In the here and now, the emphasis over the past few years has been to find a way to replicate the success of firms like Uber. The idea is that with one simple application and one simple process, it will allow the customer to focus on the aspects of the sale that they really enjoy, like planning ahead for the things that they want to do to their new home.

A couple of years ago, a new insurance firm managed to automate the process of insuring customers online. They also have shown themselves able to process claims without involving staff. Because this type of optimization can save millions of dollars in costs each year, it can be looked upon as somewhat of a ‘grail’ for the real estate industry. If a real estate franchising partner can create a system that allows you to sell without incurring as much overhead, it will make your business a stronger part of the community.

Currently, the company that comes the closest to fulfilling this type of automation dream is actually homesmart.com. The fact that their franchisees consistently see rapid agent growth is testament to the faith that they have in the system.

Here are some other technology areas that quality franchisors should be offering their prospective customers:

Mobility:

Real estate is all about organizing your resources so that you can communicate and sell effectively in many locations. You can accomplish this type of effectiveness without computers, although you will certainly be more efficient when you do leverage technology.

As a potential franchisee, finding a firm that has a stellar CRM or customer relationship management application can actually make a difference in your agents’ performance. One key feature of a good CRM is allowing you to work across form factors and locations with easy-to-use processes. Being able to communicate to your prospects in a way that mirrors the way that you work when you are not online is another feature that is worth trying to get for your employees.

Presentation:

One trick that contractors have in new neighborhoods that have homes that are selling for more than an entry-level price is to add features that are not apartment-grade and then allow realtors to show those features off. When it comes to presentation, a good franchisor will create the same type of capability. To market a high end home, for example, you typically use better designers and software that has more features. If your regular agents have access to the same tools and use them with most their houses, they will automatically be doing more than the rest of the market is with regards to presentation- something that can help them close more sales.

Overall, buying a franchise often comes down to its potential for the market that you serve. When you find one that has learned to leverage technology so that you can increase revenue, it may provide you with a long and fruitful career.

PayPal vs Merchant Accounts: What is right for your online business

As a young online entrepreneur, choosing the best payment processing system can be a headache. Ask around, and you will hear all sorts of reasons why one solution is better than the other. However, the thoroughly experienced Internet-based retailer will tell you the truth: competition is stiff, and relying on only one means of processing payment is not enough.

How PayPal differs from traditional merchant accounts.

PayPal uses what is called an “aggregator” account, which theoretically accommodates all retailers, as opposed to traditional providers, who offer each client an individual, “dedicated” account. The idea of PayPal’s aggregate method is to balance the risk of all honest retailers against fraudsters.

Consequently, PayPal doesn’t have to vet new retailers to determine if they are potentially fraudulent before signing them up for its service. Instead, it waits to catch a whiff of fraud from a registered user and quickly shut them down.

As a result, setting up an account is quick and easy, and PayPal can start collecting payment fees from clients almost immediately. Moreover, unlike with dedicated merchant accounts, you don’t have to wait hours for an application to be approved, to start accepting credit cards.

Where PayPal falls short.

Having one large account for everyone has the advantage of fast approval processes and quick card transactions, but there is one major problem: PayPal doesn’t know anything about you or your business, and, therefore, doesn’t understand the level of risk. If something unusual happens such as an increase in chargebacks, or suspicion of fraud, PayPal’s only recourse is to freeze the account.

On the other hand, a dedicated merchant accounts provider like eMerchantBroker will conduct a proper vetting process when a merchant applies for an account, and approve applications based on the information presented. These companies, therefore, know your business and understand the risk. If something happens, they have other ways to mitigate the issue, rather than freezing the account.

When to use PayPal.

PayPal accounts have a much higher likelihood of getting shut down than traditional merchant accounts, but they are quick and easy to start and manage.

You should consider a PayPal account if:

  • You have a business idea that you are still trying to prove as a viable concept, and are thus not assured of its success. Because an unsubstantiated idea might not be around tomorrow, it wouldn’t be wise to have a contract with a merchant accounts provider.
  • Your sales are too low to warrant the need for a traditional merchant account. An account with low sales is also less likely to be flagged down by PayPal.
  • You are thinking of an aggregator account as a supplement to your traditional merchant account. Some established businesses can use PayPal to reach customers who won’t buy unless they can use a PayPal account.

PayPal is a great payment option for an entry-level business, but if you want more protection or are in the high-risk business, you will want to have a traditional merchant account set up. Afterwards, you can use PayPal as an added payment option for customers.

Questions to Ask before Selecting a PPC Provider

For some time now various companies around the world have been using the strategy known as pay per click. I myself have been familiar with the term for over a decade and I know that the popularity of this particular marketing strategy is not going to fade any time soon. In order to be efficient at this sort of strategy, using the services of a PPC company might be beneficial.

Since we have already established that using the services of an PPC Agency such as Clicteq is a good idea and can immensely benefit your business, let me here mention a few questions you might want to ask yourself before you buy such services. Of course, if you are still not convinced because your budget is rather tight, let me tell you why outsourcing this part of running your business to a PPC management company is a good step that will take you in the right direction.

1.Hiring a PPC management company takes the whole burden of your marketing campaign off your shoulders. Why spend hundreds of hours learning something that others feel proficient at? There are some good reputable PPC management companies on the market that have been specialising in PPC campaigns for over a decade and they know what they are doing.

2.A PPC management company is a lot less likely to commit the mistakes that many beginner or even veteran business owners are likely to make. After all, you cannot specliaise in everything. If your focus is to manufacture a product, you should not be responsible for advertising it on the Internet.

3. Hiring a PPC company for the job comes with everything they have to offer such as their expertise, experience, knowledge, as well as industry exposure. This is definitely something that should not be underestimated. If somebody has been in an industry for a long time, you can expect them to be able to offer the services you can trust. In order to be able to do it, you need to first make yourself familiar with their reputation. the best way to do it is to read what others have to say on the topic. The Internet is usually enough to find the reviews of some of the most reputable PPC management companies on the market.

What to Know About Becoming a Digital Nomad with a Family

The concept of being a digital nomad is one that a lot of moms and dads are embracing right now, and that’s for good reason. There are plenty of potential benefits that come with this lifestyle, particularly if you’ve already figured out how to make working at home something that is a sustainable career for yourself.

Being a digital nomad takes the idea of working at home a few steps further and gives you the opportunity not just to enjoy a flexible work environment, but also travel at the same time. However, if you’re a single person or even part of just a couple, being a digital nomad can seem a lot easier than it does when you’re a family.

There are ways to become a digital nomad with kids, but it requires some planning and strategy, instead of just having a “let’s wing it” attitude.

Create a Sense of Home

Kids need some sort of routine and structure, and also a place they feel like they can land, so even if you’re traveling the world, having some feeling of home is always good. One way some families create this sensibility is by buying or renting an RV. If buying an RV isn’t an option, there are companies like Outdoorsy that specialize in connecting RV owners with potential renters.

You can often rent them for extended periods, and they’re fully insured. It’s a good way to make your kids feel more comfortable and natural when you start your lives as digital nomads, as opposed to staying somewhere different all the time.

Home Schooling

If you’re going to be working remotely, you’re probably also going to be making sure you have an internet connection most days, so while parents tend to stress most about how they’ll educate their kids, there are excellent online options.

You can choose to homeschool them yourself based on the materials and programs you find online, or you can even enroll them in a free online public school like Connections Education.

Of course, if you’re going to be staying in the same area for an extended time, you can always enroll your kids in a local school.

Double Check Those Internet Connections

As was touched on above, the only thing you really need more than anything else is an Internet connection if you’re going to be working and traveling.

It needs not just to be available, but it needs to be reliable. When you’re first in a location or planning a trip somewhere, make sure that you have thoroughly vetted what’s available and what you need to do to ensure you don’t have outages that impact your work and your kid’s school.

Build Connections

Finally, it’s important for kids (and parents) to feel like they have a social network when they’re living this unique lifestyle. Check out a site like Nomad Together, which offers a podcast hosted by a couple with four kids who work as digital nomads, plenty of informative resources, and a Facebook group that can help people connect with one another both remotely, and maybe even in a shared location.

 

 

 

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When Your Car is Your Office: Must Have Tools for Mobile Businesses

With the rise of mobile technology, many people find themselves working out of their car as often as they are working from their home or office. This is great for productivity and can really help you manage all of your responsibilities.

If you do work out of your vehicle frequently, then there are a few gadgets that may make your life a little easier. Many tech companies have people just like you in mind when they are designing new products, and most of them are cheap enough to make you wonder why you never had them in the first place. Here are a few essential gadgets for those who work on the road.

Of course, it should go without saying that you should never drive while distracted, so exercise caution when using any device in your car!

Power Supply

The one thing you can never have enough of when you’re working on the road is a power supply. There are so many different things you can plug in and charge that by not having a reliable supply,  you are doing yourself a great disservice.

Most new cars come equipped with USB ports for charging, but finding an accessory is even better. There are power supplies that have one or two extra USB ports and plug directly into the power supply in your car. Many of these accessories also have the standard three-prong outlets built into them as well, so you can easily plug your computer directly into the car’s power.

Portable Printers

Whether you need to print something off quickly on your way to work or if you travel for business frequently and need a reliable printer, finding the right portable printer is a must.

Fortunately, there are a lot of great options out there through websites like RS Online. There are plenty of options, from full-color printing to quick printers that focus on output rather than quality. The printers range in cost as well, so you’ll be able to find the right one for the right price, letting you print out anything you need wherever you may find yourself working.

Device Mounts

There may be times that you find yourself typing out an email or working on a document while you are sitting in a parking lot. If this happens to you often, then you may want to look into buying a device mount.

These mounts are made specifically for laptops, but there are also mounts for tablets and smartphones as well. Each one will help you use the device more comfortably so you can get your work finished quickly.

Again, for safety’s sake, you should never use a laptop device mount while driving. Using one for your smartphone is fine, especially if you are consulting it for navigation because it allows you to drive hands free.

Just because you work out of your car frequently doesn’t mean you can’t do it with comfort. Try some of these gadgets and see how much more you like working from your vehicle!

Selling Online

With the increasing popularity of the Internet many of us are on the lookout for newer and newer ways to make money online. You probably often meet people who tell you that they try to earn a living on the Web. Some of them are more successful, while some of them are less successful, I am sure that you know exactly what I mean here.

It is important to know what you are doing when you want to learn how to sell online. Looking at your competition is probably one of the first things you will want to do. After all, how else are you gong to realise what works and what doesn’t work? Look at other stores online and try to learn from them as much as possible. Try to especially look at those successful ones as I am sure that there will be something you can learn.

Always be on the lookout for new original ideas to make money. Cloning everything might not always be the key to success like having a copy of Facebook might not be that profitable to you.

If you are newer to the Internet, you might want to consider dropshipping. There is tons of information on the topic all over the Internet, so you might want to make yourself familiar with it. You don’t necessarily have to go straight to China in order to start selling. As a matter of fact, you don’t have to be Chinese at all to be able to sell online. Everything that sells is a good way to make money, so keep your eyes peeled and you should be fine.

There are some things you will need to keep in mind while dropshipping. Generally, the more expensive the product the riskier it becomes to sell it. You might want to look for that perfect price, for that perfect sweet spot of yours that will give you the conversion rate you desire. My personal favourite is the price range between $30-50. It is at this price that I feel comfortable selling and I wouldn’t raise it above that. Some cheaper products might be profitable as well, but it is up to you to decide what really works for you.

Fire Your Boss: The Best Reasons for Being Self Employed

The number of people who can claim to be truly happy with their job and don’t sometimes resent being told what to do or think they earn enough money as an employee has to be in the minority.

Some might like the perceived security of a regular wage coming in but could you earn more money and be happier if you took the plunge and decided to become self-employed?

Here is a look at some of the classic signs that you should be working for yourself, plus some pointers on the key questions to ask yourself that can show you the path to follow depending on your answers.

Looking for clues

There are many aspects and levels associated with being self-employed and you don’t have to be a supremely ambitious entrepreneur who wants to change the world to make a success of working for yourself.

There are a number of clear signs that are probably suggesting that you need a change of direction in your career and becoming self-employed might turn out to be the solution you are looking for.

If you find that you are struggling to find a job that you enjoy doing for any period of time and are constantly restless for a new challenge it could be that you are the sort of person who doesn’t really take to rules and regulations that easily, which is what you have to contend with when you are working for someone else.

You have to be disciplined and highly motivated as a self-employed person and running your own business does involve a certain amount of rules and regulations you might need to follow, but it doesn’t feel anywhere near as restrictive when it is you that is responsible for making most of them.

Making the most of your talent and passion

There are always going to be moments when you think that your true potential is not being recognized or fulfilled, such as searching out your new car at somewhere like Adrian Brien Hyundai and having to make some compromises on the spec and model because of your capped earnings as an employee.

Running your own business is not a guaranteed route to unlimited affluence, naturally, but it does open up the opportunity to fulfill your potential in a way that very few 9-5 jobs can, which means there is a chance that you can enjoy your success by raising the bar on the sort of car you can afford in the future.

If you do not feel that your talents are not being fully utilized and you have a natural enthusiasm and passion for something that could be turned into a business, it might be a sign that you are ready to become self-employed.

Small steps

There are several routes toward working for yourself.

It might be that you are made redundant and decide to use that money to take greater control of your future by setting up your own business, or it is possible to dip your toe in the water by setting up a part-time business while you are still an employee, waiting for the right moment to fire your boss and become one yourself.

 

Would I be forced to declare a drink driving conviction on a job application?

We all make mistakes, and drunk driving can definitely be one of them. After a night out with your friends, it is easy to have a bit too much too drink and then sit behind the wheel. I am sure that a situation like this has happened to many of us, the difference is that most of us probably have not been convicted of drunk driving because they have not been caught in the act.

It is not rocket science that drink driving can affect your life for at least a few years after being convicted. After all, it stays on your record for some time, and different authorities might want to have access to this sort of information. This is not something that we might want to happen, but sometimes there might not be any way around it.

One area of our lives that can affect us greatly after a driving conviction is our ability to drive a car. I am not saying that you might never be able to drive again, but all I am saying is that it might become more expensive due to the rising premiums for those who have been convicted of drunk driving. If this is the case, finding the right type of drink driver insurance is very important to ensure that convicted drivers are never going to pay more than they should.

There are some companies who shy away from drunk drivers, or try to dramatically raise their premiums, but at the same time there are some insurers who are more forgiving towards those who have made such mistakes in their lives. The key here is to spot those who are not afraid to offer their insurance to those who have a history of driving under the influence of alcohol. This type of task can be a rather easy task provided that you know where to look for it.

If you have been convicted of drunk driving and don’t know what to do, feel free to click on the above link, which will take you to to the right place that will answer many of the questions you might have regarding your record of drunk driving.