Reserving Your Domain Name Is The First Step To Branding Your Business

If you have recently become the proud owner of a new small business, your first priority will be to brand it. This means making sure that your business is as visible to the public as possible. There is no point in going through all of the trouble to build a new business if no one will ever know it’s there. Not only will visibility be a major issue in your first quarter of operation, but you will also need to ensure that your business garners an excellent reputation. First class customer service will play a huge part in establishing your credibility in the industry.

Your Domain Name Is An Issue Of Major Priority That Needs Consideration

Before you reserve domain name services for your new website, you’ll need to consider a few key issues. What kind of business are you attempting to establish? What image do you want to project to your customers? The name you choose for your domain will need to reflect not only the business you’re in, but the personal aspirations you have for your new career. After all, you’re not in this game merely to survive, but to gain as close to a totally dominating position in the industry as you can manage. This needs to be done in the shortest possible amount of time, for the lowest possible amount of money.

What’s In A Name? How Does Naming Your Domain Affect Your Brand?

You may be wondering just what naming your domain has to do with establishing your brand. The answer is this: The name you give your domain will be the first thing that a brand new customer notices about your business. The name you choose should be short, snappy, memorable, and easy to pronounce. Too many syllables, and it’s too long and unwieldy. On the other hand, you don’t want to choose a word that’s too short and childish sounding.

The key is to always rely on what the audience is accepting from your competitors in the industry. Have a quick look around the Internet and see what kind of domain names are being currently favored by them. Chances are, you can come up with a similar – but not too similar – name that fits right into the general concept. By doing so, you’ll achieve a level of customer recognition before you even open up your website.

Make Sure Your Domain Name Is Original, Unique, And Memorable

The final consideration you need to keep in mind is uniqueness. It helps to come up with an original domain name, but it doesn’t have to be the world’s most clever one. What does matter is that your name is absolutely unique and not being used by anyone else. Use the domain name registry to ensure that you aren’t infringing on someone else’s copyright. Once you have made sure of this, it’s time to launch your site with the best name you can muster.

How do money market accounts work?

canstockphoto4265007A money market account is a savings account with a difference, in that in return for larger scale deposits it offers a highly competitive rate of interest, sometimes called the real rate. A money market demand account or money market deposit account (MMDA), are exactly the same; however, money market funds are different, which is important to be aware of. Here is a quick guide to which is which and how each one works.

Money market accounts

As money market rates of interest are generally higher than regular rates, customers usually have to maintain a minimum balance in their account to benefit from the more attractive money market rates of interest. The minimum balance required may be up to $2,500, though it might well be much more. In addition, some banks or credit unions restrict the number of transactions allowed in any particular month; for example, setting the limit at three to six withdrawals or less.

How money market accounts work 

Money market accounts usually attract a daily compound interest rate, which is paid monthly. This means the lender pays interest on the interest, as well as on the original sum. Interest rates can vary quite considerably; the more money held in a bank account, the higher they can be. In terms of convenience, it is always worth checking the extent to which a bank offers flexible access to money; for example, by check, debit card or online, alongside a high yield. Deposits in money market accounts are FDIC insured, which means the Federal Deposit Insurance Corporation will protect them in the event that a bank or credit union goes out of business, usually up to a limit of $250,000.

Money market funds

While a money market account is a form of savings account, a money market fund (MMF) is a mutual fund. Even though it is possible to invest in a MMF via a bank, a money market fund is not a bank account and therefore does not have FDIC protection. This is important, because an MMF can make investments in the short-term debt of the U.S. government and its agencies and in the short-term obligations of foreign and domestic banks and corporations. The level of risk is therefore greater than that of a money market account.

Short-term interest rates have been badly hit by the recession and while money market accounts might pay around 0.5 percent, on average, money market funds tend to scrape along at around 0.03 percent. Shares in MMFs are designed to be held stable at a value of $1, although prices slipped below this level in 2008. Every time an investor collects $1 in interest, another share is added to the funds. Regulations are being tightened to avoid any recurrence of share price slippage.

Which is best?

Money market funds tend to be convenient and can provide ready cash when needed, but they pay lower interest rates at times of financial uncertainty. At the moment, money market accounts are the clear choice for those seeking higher levels of safety and yield. Should interest rates start to rise, however, money market funds may well regain the upper hand and start paying higher rates than money market accounts, which they often did prior to the financial crisis.

 

Money Saving Tips for Ordering Cartridges Online

canstockphoto19247167If you have a printer, either at work or at home, then you’ll know how important it is to keep it well-stocked with ink or toner cartridges. However, it can be expensive to keep buying new cartridges, so a good solution is to buy your new supplies online. Shopping online can get you some great discounts, especially if you bulk buy.

If you decide to shop for ink or toner online, then do take care. You can buy original branded cartridges, or ones made by third-party manufacturers, but make sure you go to well-regarded suppliers in order to protect your printer.

Here are a few tips for buying ink or toner online to help you along.

Make a note of the cartridges your printer uses – you need the colour as well as the model number. It’s also important to have the brand name that the maker gives to the cartridges.

Spend some time online to find out all about buying ink cartridges – there are quite a few forums out there for advice, as well as review sites to help you to find a good store.

Make sure you only consider online shops with good reputations. Look carefully at review sites and do a background check on the supplier; the Cartridge People site has great feedback, for example. This effort really is worth it.

A good way to do the background check is to make sure the store has a verifiable postal and customer contact address and a working telephone number. The website should have at least one recognisable security banner, too.

Take some time to do some window-shopping so you can do some price comparisons between different retailers for the orders you need.

Stay alert for any discounts or special offers. When you find a supplier you like, make sure you sign up to a newsletter if there is one because this is a good way to stay informed about upcoming promotions and special offers. If you’re a regular customer, you may be able to get your delivery charges reduced or dismissed altogether, especially if you buy in bulk.

If the supplier doesn’t offer a refund guarantee, then don’t bother with it. You should always be protected by guarantees or warranties in case the cartridges are damaged or faulty when they arrive.

When you’re ready to buy your ink or toner, you should make sure that the store accepts several types of credit cards, especially major ones, as well as some less well-known types and PayPal. There should be a very secure gateway with several forms of authentication – like VeriSign for example – and don’t use any stores that say they only accept cheques.

As with any online store, if it asks for bank details – in particular your three-digit security number (the one at the end of the signature strip of your card), don’t go any further. You should report the site to the online fraud squad.

Following these tips should help to keep you safe from faulty cartridges and fraudsters! You should, however, only buy as much ink as you’ll use in six months as ink cartridges tend to dry out, rendering them unfit for use.

What are some common misconceptions of blackjack?

canstockphoto3169247If you’re looking to have a poker themed night in your new, open-plan social designed kitchen, then there are a few things that you will need to consider. Firstly, looking at how you can design your kitchen into the style of a casino, or at least so it can fit a good amount of your friends in with enough room to really enjoy your time and still move around quite freely is important. Open plan is always the best bet if you’re looking to host a party or a themed blackjack night. Whether you want to reorganise your kitchen layout or simply create a comfortable area for your guests to enjoy during your themed night, it is important that you know the ins and outs of the night that you are hosting, and the rules of the game that goes with it. Because of this, we’ve put some common misconceptions of blackjack together, so you can truly design your kitchen for the night to suit those who may have a few superstitions about the game.

Bad Players Can Decrease Your Advantage

If you’re inviting a few players round to your home, then looking at some of the Blackjack Myths that are around the game is going to be important, so you can create the right atmosphere and layout. One of the biggest ones that could affect your friends’ enjoyment is that bad players are said to decrease the advantage of those that are good at the game. If you know that you have a few veteran blackjack players visiting your home for your blackjack night, as well as some that haven’t ever played before, then may need to be aware that your guests might want separate tables because they believe that the amateur players are going to affect their game. While this is a complete myth, as the game of blackjack is solely about you and the dealer, you’re going to need to ensure that your guests are happy with the way their night is going.

Assuming A Dealer Always Has A 10 In The Hole

If you are designing your kitchen into a casino-like atmosphere, then you’re going to probably need to hire some professional dealers or have someone who knows the ins and outs of the rules of blackjack to act as the dealer for all of your games. One of the biggest misconceptions about blackjack, is that players will assume a dealer always has a 10 in the hole, when actually 69% of the time, the dealer will have another value in the hole.

Never Hit A 12 Against A Dealer’s 2 Upcard Or You Will Draw A 10 And Bust

Another of the more common misconceptions that people will believe is that they will draw a 10 when they hit a 12 against a dealers’ 2 or 3. While the percentage and chances of winning is actually very slim either way, it is actually better to hit, as you will lose 63% of the time, and if you stand you will lose 65% of the time. If you’re guests ask during your blackjack night, then you can let them know that it’s always better to have that slight winning advantage against the dealer.

How Far Back Can You Claim PPI?

canstockphoto16235218If you have a loan, mortgage, or credit card where you are paying PPI as part of your payment every month you may be wondering exactly how far back can you claim ppi.

A lot of information that you read online and hear in the news about how far back you can make a PPI claim mostly talks about the limit of six years for most PPI claims. This mainly refers to the time limit that has been set by the FOS or Financial Ombudsman Service for banks and other financial institutions to thoroughly investigate a claim.

Let’s take a closer look at this six-year time limit for most PPI claims that has been set forth by the FOS. This time limit is the time period for you lender or financial institution must keep a hold of your financial records that pertain to the financial agreement you have with them. Of course, they will keep your financial records for the financial agreement during the time period of the loan or mortgage.

After the policy has ended or the loan has been repaid is when the six-year time limit comes into play. What this time limit actually means is that your bank or financial institution will keep your record for six years from the date yo paid off the loan or mortgage. It doesn’t mean from the time you took out the loan or mortgage which is a common misunderstanding for most people.

If you have a PPI that is still active you can still make claims if you need to since the six-year time limit is not in effect yet. This is possibly one of the biggest misunderstandings that many people have about how far back they can go to file a claim. If you account is active it doesn’t matter whether it was taken out a month ago or 20 years ago your bank or financial institution still holds the financial records from the first day to the present day.

In short many banks or financial institutions strictly adhere to the six-year time limit and discard of all financial records the minute that limit is reached. Other banks or financial institution will keep financial records for longer than the six-year limit.

Remember the six-year time limit is only effective when your loan has been repaid, the policy expires or the loan has been canceled.

Budgeting ideas for small business owners

canstockphoto18632526Running a small business can be rewarding in many ways. It can provide a sense of independence, flexibility, personal fulfillment and income. Without properly managing finances all those benefits can easily fade and be replaced by headaches and debt.
Headway Capital, a small business credit provider, recently stated that almost 20 percent of small business owners are concerned about unexpected expenses and the impact they can have.

Creating a solid budget that accounts for both fixed and unplanned cost can help a small business operate in a functional profit generating manner. Taking advantage of discounts that Staples, Office Depot and Amazon provide for expected cost can help, yet understanding non-direct variables, overestimating expenses, knowing the sales cycle, and adjusting the budget accordingly is key for a small business to stay ahead and successfully predict when operating money may fall short. To see available coupons for stores like Staples visit: http://mamma.com/all-shops/

 

Non-Direct Variables

Variables that occur outside of the actual functions of a small business can unexpectedly increase operating cost. New government regulations, such as increases in minimum wage, changes in healthcare and environmental policies, can affect even small businesses. Economic changes that create unpredictable consumer habits can affect the cost of production materials and lower the amount of sales a small business has. Other than government and economic anomalies, natural disasters and social unrest can also create unexpected expenses. Change is constant in the world and being prepared for change can allow for a small business to weather through the storm.

 

Overestimating Expenses

In almost every type of business project something always seems to cost more than expected, or maybe something was missing in the original plan. Overestimating expenses allows for small business owners to maintain control when issues arise. Preparing for these occurrences makes handling the situations when they come to light less burdensome and keeps projects on time by prevents delays in production.

 

The Sales Cycle

Ever type of business has slow periods. Restaurant and retail business owners know that after New Years business slows down By recognizing when these periods occur small business owners can adjust the day to day operations to accommodate and keep cost low. Maybe less labor hours are needed. Keeping less product on hand can also lessen the amount of money going out the door.

Slow periods are also a great time for planning for the next boom in business. Knowing the sales cycle allows for an owner to make adjustments and plan marketing strategies that can better identify and attract customers in a new way.

 

Review the Budget

Believing that a budget is set in stone can cause businesses to miss out on revenue and not to be prepared for changes in the market. The budget should be able to flow and move with market trends. What may have been the perfect budget in the past may not meet the needs currently or in the future. Reviewing the budget frequently gives the ability to adjust month to month and year to year.

There is not a magic formula for dealing with unexpected cost that small business may face. Owners must be resilient and flexible to be able to adjust with political, economic and consumer trends. Planning ahead, knowing the market’s climate and being able to adjust will increase the chances for small business to succeed when unexpected occurrences and cost show up at the door.

Top 5 Things to Consider with a Personal Loan

canstockphoto4417887There are many options available to you when you need to borrow money for any number of reasons. You could ask family and friends, see if there is funding available or take out a loan. Depending on what you need the money for, a personal loan can be a useful choice.

Also known as an unsecured loan, this is ideal for many applications and you do not have to be a homeowner to take one out. Find out more here about personal loans and consider the following five points before deciding whether to take one out yourself or not.

  1. Credit History

In order to be approved for a personal loan you will need a good credit history. This is because the loan is not secured against your home, so the lender needs good assurance that you will be able to meet all the repayments.

You can easily check your credit score online and there are a few quick ways to improve it. Ensure you are on the electoral register, cancel all unused credit cards and stop applying for credit. Another tactic is to take out a credit card and pay it off on time, which will quickly improve your rating.

  1. Interest Rates

Being unsecured, personal loans usually have a much higher interest rate attached to them. You will need to consider whether a fixed or variable rate is the best option depending on the time and circumstances.

UK interest rates have been falling, with 388 cuts to savings accounts in August alone, with the best one year bonds paying 1.66pc. However, should interest rates increase then the situation will be different, with each offering more reasons for fixed or variable rate personal loans.

  1. Repayment Terms

You will need to budget and ensure you can afford to meet all the repayment terms, as otherwise your debt may spiral out of control. Consider whether after taking out the loan that you will be in a better financial situation to pay the loan off or not. Check all the fine print, as some personal loans inflict charges should you make repayments earlier than needed, which can get steeper depending on how much you have borrowed.

  1. Shop the Fees

It is worth shopping around to discover the personal loan that offers the best terms. Many can possess hidden fees, so while they may claim to have low interest rates, this will be offset by charging much higher opening or other fees. Consider all your options, both by searching online and asking around on the high street, and you should soon discover the best personal loan for your needs.

  1. Alternative Options

In some cases, a personal loan may not be the best option for your financial situation. If it’s only a small purchase you need the money for then a credit card could be more advisable. Likewise, if you are worried about not being able to meet repayments then think about asking to borrow the funds from friends or family.

Make all these considerations before you take out a personal loan to use for any application.