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Essential Business Updates During COVID Pandemic

The 2020 pandemic has seen everyone fall to their knees, and with its unwavering temperament, the fast-spreading and contagious COVID disease is leaving utter destruction in its wake.

This is why some updates for businesses are essential to keep both employees and customers safe. Also, adaptations are required to be put in place to help ease the financial impact the disease has had and prevent any further significant losses.

With this in mind, this piece will discuss some of the essential business updates that need to be done during the pandemic to help with both safety and the financial health of a business.

Use Cloth Face Coverings in the Workplace

Using cloth face coverings has become the new norm for both businesses and consumers alike, and it is important that these rules are also implemented in the workplace. It is said that using a cloth covering over the face is a simple and effective way of producing a barrier between two people, with the cloth concealing any respiratory droplets and preventing them from traveling through the air while a person is talking, sneezing, coughing, laughing, etc.

It has been thoroughly noted that COVID can be transmitted through saliva, meaning using cloth face coverings is non-negotiable when it comes to containing the disease and lowering the risk of spreading it significantly.

Update Safety Signage

It is true that there are now many more things to think about when it comes to safety in business, but luckily, there are many businesses that are offering to take some of the thinking out of the way.

Signs are a brilliant way of conveying a message in a non-intrusive way and to catch the majority of people’s attention.

Try a social distance floor stencil to give a professional and uniform look, and help others keep the appropriate distance when it comes to COVID safety practices.

Other signs can include washing hands reminders and sanitization stations.

Focus the Business Online

For all businesses, focusing efforts online is the next logical step when it comes to both health and financial preservation. For one, working remotely drastically limits contact between employees, clients, and customers which is imperative for keeping viruses under control. It also keeps down the need for excessive cleaning which can lower costs.

If a business has a product that can be sold online, now is as good a time as any to start facilitating the simplicity of that on a larger scale, as most people now are doing business online to avoid catching and distributing the disease.

Sales online have seen a massive increase of 63% since the beginning of March, and while vulnerable people are still at risk and COVID is still spreading, it will be no surprise to see that online businesses and retail will remain extremely popular.

B2B sales have also seen a dramatic increase through the medium of video conferences and have found this system to be more successful than previous sales tactics pre-COVID, which makes that another brilliant reason to invest in online.

5 Ways to Reduce Your Spending & Save Money

Saving money and reducing spending is a wise move for anyone, even if you have a healthy salary. Many of us spend without devising a long-term budgeting strategy, which can affect our financial health in the long run. While there are hundreds of ways of saving money, below are a few important ones that may help you put the brakes on your spending and add more dollars to your bank account.

  • Move Bank Accounts

If you’ve been with the same bank for years, you may want to look into alternatives. Many banks offer sign-up bonuses with attractive interest rates that could boost your savings and slash any fees you might be paying with your current bank. Do some research and find out whether you qualify to sign up at another bank with better savings account rates.

  • Don’t Rely on Credit (Or Use It Wisely)

It can be tempting to put purchases onto your trusty credit card. After all, you can pay for it later, right? Inevitably though, things come up and that purchase you intended to pay for will keep getting put off. The ‘pay later’ mentality is what often gets people into trouble if they’re not careful. Before you know it, you could be nearing your credit limit while your savings and cash flow are dwindling. Try to save your credit card for emergencies or very special occasions. In other words, use it wisely. Your bank account will thank you for it.

  • Eliminate Unnecessary Subscriptions

Ask yourself whether you really need your Spotify, Netflix, and Amazon Prime subscriptions. While these seem like small-dollar amounts per month, when you add them up over a year, it can amount to quite a lot. Decide what’s important to you in life and then eliminate anything extraneous. After all, wouldn’t you rather be able to afford a down payment on a house rather than be caught up with the boxset of Breaking Bad?

  • Find Alternative Ways to Socialize

Socializing can be an enormous drain on our finances. Depending on how you do it, going out is a luxury that unfortunately costs a lot of money. Consider how much you spend when you go out for dancing and drinks with friends or if you spend several weekends attending theater shows. While it’s important to unwind and have fun, try to find alternative ways to socialize. Summertime affords the perfect opportunity to spend time outside in parks or hang out in nature somewhere.

  • Look for Deals and Discounts

This can take extra time and research but looking for deals and discounts is another great way to save. For example, utilizing eBay Coupons can get you access to free shipping, daily deals, and cashback if you know where to look. Comparison shopping is also a good way to find the same products at lower prices. Many retailers also offer online deals, so it’s a great idea to see what’s on offer before heading out to the stores.

Saving money can be both easy and difficult. With the right mindset and proper planning, you can curb your spending habits and begin to nurture your financial nest egg.

 

3 Things You Should Know About Title Loans

No one likes to be in a position where they need to take out a loan to afford to make certain payments. That being said, should the occasion arise where you require a loan, you have several options available to you. One of those options is that of the title loan.

Typically, a title loan is a type of loan where the title of one’s car is used as collateral. These loans can provide funds when those situations arise that send your financial situation spinning a bit. There are a few points that many people don’t understand about these loans, though. Here are three things you should know about title loans if you are looking to explore your loan options.

1. You Keep Your Car While You Repay the Loan

When you take out a title loan, you don’t have to surrender your vehicle to the lender. Rather, only the title of your car is handed over as collateral. You will continue to drive your car as usual throughout your loan repayment process.

Lenders like title loans Albuquerque will factor the value of your vehicle into the loan and assess your ability to repay using your credit history. Once you have completed all of your payments, then your car title will be returned to you.

2. You Can Use the Title of Any Vehicle that You Own

You don’t necessarily need to use the title of your car to take out a title loan. Rather, the title of any vehicle that is in your name will suffice as collateral for your loan. If you need a smaller loan and the value of your motorcycle is sufficient enough to get you the amount that you need, then that will work just fine. Again, you only need to hand over the title of your vehicle as opposed to the vehicle itself.

Oftentimes, something like the title of an RV or motorhome is preferable as these vehicles can be worth much more than a car. In this way, you might be able to secure a more significant amount for your loan.

3. The Process Is Quick

One of the aspects of title loans that makes them so appealing to borrowers is the fact that you can get the money you need fast. Similar to a payday loan, title loans are processed quite quickly so that you can have your cash within the same day that you apply. The repayment timeline is also generally shorter than other loan options with many lenders looking to have the loan repaid within a month or two.

Bear in mind that because this is the case, title loans tend to be expensive. This is because of higher interest rates that, over time, can add up quickly. The interest for your loan might be simple or compound depending on the lender you use. Make sure to stick to your repayment schedule or even pay the loan off early if your lender will allow it without penalties.

 

Four Ways to Harness Your HR Analytics

For all medium to large-sized companies, an effective HR department is crucial. It provides the backbone of your organization, and connects to all other parts of your enterprise – from the sales team through to the executives. But HR are more than just the payroll facilitators and the friendly face of you internal messaging – it’s also the part of your business where you’re able to reap the most through analytics. This article takes a look at your HR analytics, showing you how to harness their potential in 2020.

Remote Working

One of the major upheavals that the COVID-19 pandemic has brought about is in the locations at which we work. More than ever before, staff have been connecting to the workplace through digital software and cloud-based file databases, which they can access from anywhere in the world. This is tremendously exciting, but it requires coordination on the part of your HR team. Not only will you need to contact staff more regularly with updates across the business they might not be party to; you’ll also need to use analytics to monitor productivity and absences from each and every member of staff working remotely.

Cloud Activity

Next up is the way in which your business uses the cloud. Now, this is of course linked to remote working: without the cloud, you’ll not be able to share documents and data with your staff in disparate locations. But you’ll have had cloud-based software long before the pandemic hit, and your HR team’s software ought to be positioned there, too. To find the right HR software cloud, you need to look into which program will allow you to best analyze your staff’s cloud-based activity. These HR programs are themselves on the cloud, harnessing the very same technology that they’ll be analyzing throughout your organization.

Skills Gaps

Many businesses lose hundreds of thousands of dollars every year through skills shortages and misallocation of workers in roles they cannot perform well in. This is especially true in larger organizations, which tend to be less flexible in terms of who works where. With the right analytics software, though, you’ll be able to make subtle changes to your teams by monitoring their workloads, seeing where they’re quick and where they’re slow, and listing the key skills that they have to give to other teams in your business. By doing so, you’ll balance out the skills gaps within your business.

Hiring

Finally, HR teams aren’t only concerned with internal processes; they’re also deeply interested in talent from outside. It’s your HR team that will ordinarily process applications for jobs at your organization – and there are plenty of analytical software packages which can help your team quickly sort the wheat from the chaff when it comes to applicants for a particular position. From machine learning resume readers through to automated tests which you’ll send out to applicants, using software to help you in the hiring process can save your HR teams dozens of hours and plenty of headaches.

There you have it: four ways in which you can truly harness the power of HR analytics software this year.

 

How Businesses Can Find Great Corporate Housing Companies

As a large business there is a wealth of contacts which are worth having and one of which is a corporate housing company. Whenever guests, members of the management team or perhaps even short term employees come to work with the business, having a company to call on who can give access to corporate properties is a wonderful thing to have on your side. This ensures that your guests and members of staff have a home away from home to stay in, that they can avoid a hotel and that they feel comfortable during their time with you.

In order to find a corporate housing company which will work well, here is what you need to do.

Internet Search

There isn’t always a secret way in which you can find a great company and you will find that a simple internet search for ‘corporate housing near me’ will yield some very positive results. Not only will you be able to find local agencies in the area who can support you with this, but looking online also carries with it additional benefits. The biggest of these benefits is that you will also be able to look for reviews which people have left, both businesses and residents, about the service and the quality of the properties. Using this information you can start to call around, without wasting time on some of the more unfavorable companies.

Networking

Engaging with other businesses may also prove to be fruitful if they have had experiences with cooperate housing companies in the area. Many companies will work in the same buildings as others, and sharing such information is not exactly going to be something that a business would avoid, through fear of giving up secrets, after all it is just accommodation. Networking like this can also help to forge bonds between your business and another.

Recommendations

Speaking to people in your team may also yield some positive results around which corporate housing service to use, especially if they stayed somewhere prior to working for you. Getting this kind of information from your team is very easy and basing your decision on their experience will ensure that you can deliver a high-quality option for anyone who happens to require such accommodation options.

List and Review

Ultimately the aim here is to gather a list of potential candidates and then review them based on strict requirements which you have. Through the use the methods above you should be able to get a good 3 or 4 potential targets, which you can then begin to vet. When deciding on a particular business ensure that you are looking for professionalism, good pricing and great properties which are well located and feature many amenities. Once you have a shortened list, it will be far easier to make your selection as to which corporate housing company to use.

Invest time on this and seek to create solid relationships with the housing company, this will bear fruit in the future.

 

Tips on How to Grow Your Small Business

Whilst there are many small or medium sized businesses who are happy to stay at that size, there are just as many, if not more, who wish to solidify their position and then move on to bigger and better things. The question therefore is how to grow your small business when you feel that the time is right to expand? And we have some tips on how to do exactly that. Growth is just as tricky as launching a business, and failure could see a lot of that great work in the past go to waste, get it right however, and you’ll be very much on the pathway to success.

Marketing

Marketing is often overlooked when businesses look to grow, and this is for a number of reasons. The first is that most companies recognize that it is time to grow once the demand for their products and services begins to get overwhelming, the assumption therefore is that further marketing isn’t required at this stage. The second reason is cost, a business is already spending money on the growth plans, so marketing is an easy spend to chalk off. It is however absolutely essential that a business keeps driving new customers in order to make that growth worthwhile, and whilst that may mean some hard working months ahead, it will be better for the general health of the business.

All Areas

When you scale up it is important that you recognize that all aspects of the business must be increased, and improved. Many fall into the trap of thinking that a bigger space and a few more staff is all that is needed, but there is much more to it than that. From logistics to manufacturing, supply to sales, everything in the business must be scaled up. The key to doing this will be slowly but surely, there is no scale up button which sees the business expand, growth will always be a slow and systematic process. Prioritize which areas need it first, then scale up gradually.

Numbers, Numbers, Numbers

Another common mistake which many small businesses make when they implement plans for growth is to go too far, which is going to end up being costly, dangerously so in fact. This is why businesses should always grow based on the numbers that they are seeing. Let’s say you have a clothing business which is able to make and sell 100 units per week, but orders are coming in at 150-200 units per week, looking to get a premises, staff and materials for 400 units per week will make little sense. There should always be some flexibility for future growth so opting for an infrastructure which can cope with 250-300 units per week would be the smartest move here. This will ensure both growth and risk aversion, should things take a downturn for any reason.

This is a complex plan and one which should be thought out very carefully before enacting.

 

How to Buy Bitcoin Online with Credit Card

In order to buy Bitcoin online with credit card, you’re going to need a Bitcoin wallet. As Bitcoin is a digitalized, decentralized currency, this means that no government or financial institutions rules them. Hence, you don’t need a lot of information to start a bitcoin wallet, which is essentially the same as a bank account.

How to Create a Bitcoin Wallet

You can get a Bitcoin wallet through any of the good Bitcoin brokers. Make sure they are fully certified, however. Once you open your wallet, you will be provided with an address, expressed in letters and numbers. You will also receive a private key, which will be your password.

Using Bitcoin to Process Payments Anonymously

Bitcoins can be used for three things:

  1. To buy things.
  2. To send money to someone else anonymously.
  3. To use as an investment.

Bitcoin is becoming a commonly accepted form of payment. When you use it, you buy anonymously, because the recipient can only see the number of your Bitcoin wallet. This means you can also send money to others anonymously.

Using Bitcoin as an Investment

While Bitcoins are decentralized, their price does fluctuate. For instance, at the start of 2013, a bitcoin was worth around $400. By the end that year, the price was around $1,000. This means that, on a single bitcoin, someone could have made $600. However, the prices do go up and down, although that is true for any type of investment.

Gambling with Bitcoin

Because Bitcoin is anonymous, the gambling industry quite likes it as a form of payment. Hence, there are now numerous online casinos and poker websites where Bitcoins are accepted. Here, players are encouraged to deposit their Bitcoin and use it to play various games. Because these games are online, the player allows the casino to link directly to their Bitcoin wallet. This means that there is very little, if any, government control or taxes.

How to Send Bitcoin

If you want to pay for anything using Bitcoin, or send some Bitcoins to a friend, you need three specific things:

  1. The address of your bitcoin wallet. (Input)
  2. The address of the bitcoin wallet of the person you are sending it to. (Output)
  3. Your private key.

Besides input and output, balance is also very important, which is the amount that has to be transferred through your wallet to that of someone else.

It is very important that you gain a greater understanding of what Bitcoins are, how they work, and what the pros and cons of different wallets are. While the money is digital and decentralized, as well as being anonymous, it is still real money.

Use Botox in Chicago to Find Your Youth Again

We all know that we have to engage in a healthy, active lifestyle and eat a balanced, nutritious diet in order to live long. However, even if we do all of that, as well as stay out of the sun, we still find that time catches up with us, and we start to develop wrinkles. Growing old gracefully is a lovely saying, if you are an airbrushed model on the front page of a magazine. For the rest of us, however, we need to resort to cosmetic procedures. Thankfully, you can go for Botox in Chicago.

Botox Treatments

Botox is one of the most popular forms of cosmetic augmentations on the market. All it requires is for a few chemicals to be injected into the wrinkles and the muscles get frozen so that skin looks beautiful and youthful once again. Botox has been around for quite some time now, which means the technology has developed so that there is now a type of Botox available for every type of skin and body type. No more horror stories of years gone by of frozen faces, therefore. The procedure is quick, almost entirely painless and the results can be seen in no time whatsoever without lengthy recovery periods.

It doesn’t matter where in the country you are, it is likely that you will be able to find a clinic where you can have Botox completed. However, it is known that Chicago is one of the Botox capitals of our country, which means the prices are affordable but the quality is high. That is exactly what you need, because Botox should only be handled by experienced and properly trained physicians.

How to Find a Good Botox Clinic

The best Botox clinics are those that are operated by true plastic surgeons. Try to avoid beauty spas where you go for your hair, makeup and a massage. While they may offer Botox and are often even licensed to perform the procedure, they simply do not have the medical training to truly understand the inner workings of a person’s facial muscles. Since you are looking for a treatment facility in Chicago, you will find that going to a registered plastic surgery clinic won’t cost much more either, because treatment is so affordable there. Do also trust your gut instinct. You need to feel comfortable in the hands of the physician who will be treating you.

A final thing to remember is that Botox is not a permanent solution. The effects last for a few months and you will find that, as time progresses, you will need treatment less and less frequently. However, we all grow older at some point, even the airbrushed models on the glossy magazines.

Benefits of a Small Business Answering Service

A small business answering service is essentially the same as having a receptionist, except nobody is actually needed in-house – and that comes with it benefits. Of course, there are pros and cons of not having a receptionist, but the many benefits of an answering service far outweigh any downsides.

In the vast majority of cases, a business answering service is a far better option than having an employed receptionist. Ultimately, though, it is your decision to make – so here is some information to help you make the right decision:

How does a small business answering service work?

When you opt for a business answering service, you will still have someone answering your phones just like you would with a receptionist, except this person will be in a remote location not your office building. You’ll still have complete access to them, as you would with a receptionist in your office though.

Who will answer the phone?

Generally, there will be a team of people assigned to your business. They will have received training about your company, how it operates, and how to offer the best customer service for your customers. Having a team of people means that you don’t have to worry about your employees’ holidays or sick days – there will always be someone available to answer the phones.

How much will it cost?

Since every answering service will differ in cost, it’s hard to put an exact figure on this. However, you can be certain that a small business answering service will cost much less than having a receptionist as one of your employees. Consider how much would you be paying your receptionist each year. Then on top of that, consider the other costly aspects of having an employee, such as health benefits and other necessary compensation. Then there’s things like providing an office space, a desk, phones, supplies…etc.

With a small business answering service, you get all the benefits of a receptionist (and more), without any of the hassle. What are you waiting for? Go and check out the services available to you today!

 

Tools Of A Great Digital Marketing Campaign

Building a great digital marketing campaign for your business is key when you’re seeking out success online. The tricks of the trade are many, but there’s plenty of information scattered about to build your own pool of knowledge.

There’s no better time to start learning than right now. Take a moment to read through this brief ensemble of a few tools of a great digital marketing campaign, and get started today.

Social media

Every excellent digital marketing effort includes a social media presence. Your business can make a name for itself on social media, no matter the industry of your operation.

Everyone spends time carousing the pages of social media, so there’s always a place for your business. Take the opportunities social media presents to clearly target users who will most benefit from your services.

Blogging for business

Adding a blog to your digital marketing campaign will give your business more content to present to potential customers. The more you can connect and build rapport with web users, the more likely it is that they will become customers.

Your business blog can easily be linked to your business website for maximum exposure. This blog featuring business tips is well-suited to the business it represents. Write about what your business specializes in doing.

Mobile optimization

When you do start working on your operation’s digital marketing plans, you need to be focused on building a presence that is mobile friendly. Mobile web use is at an all-time high, and your marketing content should be built to please the majority of users online at any given time.

Design your digital content for a smaller display screen. Make the buttons on your pages a little bigger so the clumsy thumbs can still differentiate between the various options available.

A strong business website

Your business website can always be improved upon. The specifics of what digital design requires shifts so often, that you need to keep a constant eye out for changes.

Your business website should always contain fresh information and content to keep users interested in what’s next. It’s preferable that you hire someone specifically for the purpose of developing your operation’s web presence.

Reach out through email

Email marketing is another stem of your digital marketing efforts that will help your business build a relationship with web users. Use your business website and your ecommerce platform to gather email connections from consumers, and then stay in touch with them.

You can even work to develop a regular newsletter release to keep email connections fresh. Your business will never be a last thought in the minds of users when you continue to regularly place your brand at the forefront.