Kunnpa.com: Blog Kunnpa.com: Blog https://www.kunnpa.com/blog/ Copyright by Kunnpa.com en Kunnpa.com Fri, 23 Oct 2020 07:23:36 -0400 What Is VPN and Why Your Small Business Need One

You see, in today's world, security is a big concern. Thousands and even millions of dollars can be lost because of a security breach. When you have top secret or confidential information stolen, or if you have someone breaking into your computer system and deleting important information, you have a lot to lose.

So in order to prevent that from happening, innovative developers have come up with a solution known as VPN (Virtual Private Servers). A VPN is meant to protect your system, as well as your network from being compromised. In other words, you don't want anyone to have unauthorized access to your system or network. That will help keep your data safe as you work.

How VPN works

Here is a brief primer on how VPN works. When you surf the Internet, you are actually on a public network. That means that if your system is not protected whatsoever, anyone with malicious intent can create all sorts of problems for you. Some of these problems include spyware, viruses, intrusion attacks, etc.

To prevent that from happening, you can install additional hardware or software. When you install new hardware that acts as an active Firewall, that may help to stop many of the attacks. Some people prefer to do it with software, and that's where VPN comes in.

VPN is short for Virtual Private Network. What happens is that you will be setting up a private tunnel that others will have difficulty locating. In other words, to the outside world, you appear as anonymous. You do this by connecting to another server, and this server acts as your connection to the public network. When you connect to the Internet this way, you are actually on a Private Network. This is a much more secure way to surf the Internet. And the solution is known as VPN.

Benefits of a VPN

As you can imagine, there are many benefits for using a VPN. You enjoy a lot of security and privacy. For example, if you are surfing from a wireless hotspot, your user names and passwords may be sniffed by sniffers on the network. Sniffer software intercepts data transmitted over the network, and that's how your user names and passwords can be captured. But when you connect through a VPN, there is no such risk.

Also, because you are surfing in a private network, you remain anonymous. Some websites log your IP address automatically, especially those that require form submissions. When you are in a private network, your IP address cannot be tracked. This means that you get more privacy as you surf.

How to Get a VPN

Is it difficult to set up a VPN? The answer is no, if you know where to look. If you have technical person in your company, you can set up one by yourself, which involves installing VPN software on a server and creating VPN accounts etc. 

Alternatively, you can purchase VPN services from VPN providers. These days you can find many different VPN service providers. They provide VPN services for many different purposes. For example, there are some VPN companies specializing in VPNs for China. To find a good VPN companies, you can do a Google search and also read online reviews. There are some well-known VPN services that you can consider: NordVPN, PureVPN, ExpressVPN, VyprVPN etc. 

Professional VPN service providers will be able to setup a VPN account for you. When you want to go online, simply login to your VPN account and start surfing. Things have really changed in the past few years, with companies being forced to deal with worldwide markets and offices in different locations across the globe. With segments of modern businesses often spread out across different locations, the most important technology is the virtual private network. VPNs allow companies to maintain internal communications that are fast, safe, and reliable. Modern VPN technology and equipment give businesses the opportunity to do this inexpensively. Without the reliable communication capabilities of a VPN, companies wouldn't run so well

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What Exactly Is KYB (Know Your Business)?

KYB (know your business) is a process that is quite similar to KYC (know your customer), which is far better known among people. The real difference between the two is the fact that KYB is focused on identifying suppliers and companies. KYC is all about customers and consumers.

Understanding Know Your Business

You can easily learn more about KYB on the internet, on websites like https://sumsub.com/kyb-solution/. However, the basics are the same as KYC. The big difference stands in the user that is identified. With KYC, we look at users or clients that register with a company. With know your business, you need to identify the person that is a legal business representative.

Most B2B companies have to carry out true due diligence in order to identify what business they work with. This is done with the purpose of fighting tax crimes and money laundering. Also, B2B firms need to make sure that they securely work with other companies.

We should also highlight the fact that in some industries, like the financial industry, using KYB procedures is mandatory and there are laws for it. As an example, the companies that offer professional services or that deal with freelancers or SMEs have to establish strict KYB procedures in order to identify all legal compliance requirements.

Similarly with the KYC process, KYB digital solutions will help eliminate business bureaucracy, develop control methods, and reduce business costs. On the whole, these are mandatory implementations that even small businesses have to make to stay safe in the B2B world.

Business Know Your Customer

Business know your customer (BKYC) is quite recent in the financial world. There is a huge demand for such solutions because all around the world there are countless regulations that led to a forced implementation.

Digitalization highly affected the world, together with delocalization. Companies that offer B2B services have to establish proper KYB procedures. They have to reduce processing times, costs, administrative procedures, and make complex processes much simpler. As a result, relations with B2B clients are automatically improved. Internal compliance policies are developed.

Do You Need KYB?

Fortunately for some small businesses, know your business is not required by law. However, whenever you deal with other businesses, it is very important that you know exactly who you talk to. This will make it safer to operate.

If you operate in the financial sector or in other industries that require the implementation of KYB, you do not really have a choice. However, even if your small business is active in other industries, it might still benefit from such procedures.

On the whole, know your business is something that you absolutely need to at least consider. You can choose out of different service providers on the market. Just make sure you work with someone that is as experienced as possible. You do not want to end up with problems because of making an incorrect choice. Read reviews and talk with other businesses that have been implementing KYB in the past. This will give you all the information you need to make smart choices.

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8 Tips For Hiring The Best Staff Member

When building a business, it is vital to surround yourself with the right people. In fact, key people in your organization can make or break your business. Hiring and screening people is a tough process and one that must be done with care, forethought, and vision for the future. The wrong people hired and placed into the wrong positions can cost you valuable time, money, and resources as you seek to correct their mistakes and strengthen areas of weakness that they bring to your organization. 

Conversely, hiring the right employee pays for itself in dividends. A valuable employee adds something to your work climate, bringing in a positive attitude, a good work ethic, and an investment in the future you are building together. They know that the smallest successes compound themselves as no action is too small to make a significant difference in the health and success of your organization. 

So how can you make sure that you are hiring the right employees for your business? Sifting through those piles of resumes and making callbacks might bring you some luck, but there are more definitive steps that you can take to ensure that you match your job duties with people that are seeking to fulfill those duties with integrity. Here are some steps that you can take to make sure you are finding those "gems": 

1. Define the job role that you are hiring for

Knowing what a particular job entails in your organization---its duties, responsibilities, and expectations---will help you to accurately assess whether a candidate is qualified for the position or not. You will not only be able to assess an applicant's skills more efficiently, but you will be able to communicate better with employment agencies and recruit the type of person that you truly want to fill that role in your organization. 

2. Plan your recruiting strategy

Make sure that everyone who is currently in your organization is on the same page when it comes to recruiting new talent. Set up planning meetings, conduct interviews in small groups, and have discussions about who would best fit the roles you are trying to fill. 

3. Use a hiring checklist

The checklists you use will allow you to build an efficient hiring system. A checklist will enable you to keep your hiring process on track and execute job fulfillment from beginning to end. 

4. Recruit the right candidates

You can develop relationships with would-be candidates long before the hiring process even begins. Define what the ideal candidate would look like, and then make a list of the qualities you want that employee to embody in order to shape your recruiting process. Whether you are looking for one employee or an entire pool of talent, knowing what to look for will ensure that you can spot the right employee. 

5. Review credentials and applications thoroughly

Reviewing resumes, cover letters, and letters of reference is hard work. One way to ensure that you find the right people lies in the creation of a comprehensive job description. Make a list of the most desired characteristics you need in that employee, and look for clues in job applications that the people applying have given you. Hiring people who possess your desired characteristics, and you will be adding to your organization in a productive way. 

6. Prescreen your candidates

You don't have a lot of time to waste on nonproductive communication and interview formalities; it's time to cut down your candidate list and choose from the best. The prescreening process will save you both time and money while finding the right people for your organization. When prescreening, ask candidates about their expectations for fulfilling your job role as well as salary, benefits, and other logistics. The more you can get out of the way before the actual interview, the more efficiently you can weed through undesirable candidates and find the right matches for your organization. 

7. Ask the right questions

A job interview is a very important factor in the hiring process. It is a key tool in helping you and your valued employees find the next great hire. Asking the right questions will magnify the power of the job interview and both employer and potential employee to determine if the two of you are an appropriate fit. 

8. Check backgrounds and references

A critical step in finding the right employee is the performance of a background check. You need to verify whether a potential employee has the necessary qualifications, skills, and associations to become a valued member of your community. Background checks must include legal check, criminal history, professional and work references, and degrees earned. In addition, letters of reference must be validated as a demonstration of integrity and trustworthiness by a potential employee. Moving forward with an individual in your organization should feel like a burden lifted, not a burden taken on. The right person will check out in every single way. 

Hiring the right people is critical to the longevity and success of your business. With trustworthy employees at your side, you share the burden of responsibility as you create a vision for the future that excites you all to move forward together. Best of luck to you in all of your business endeavors!

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Push your Time Management to the Next Level The concept of time blocking, which is the solution to the feeling of distractions by countless notifications and messages, is where you spare minimal amounts of time every day to do something productive. Approaching time blocking, traditionally does not yield much. According to Usessaywriters.com, it may give you a glimpse of your true potential as far as creativity is concerned, but you will not get to experience the full thing.

The Mega Day

The return on investment (ROI), is determined by a simple formula. Substantial productivity is a reflection of the more time you set aside. If you set aside a quarter of an hour, you will get small gains, but when you set aside 2 hours, you will register more gains. What if you set aside a whole day to yourself? That is the concept of Mega Day.

It is a strategy I formed about a year ago when the time was scarce. Writing a book, working in my company, and writing columns for a magazine meant I did not have enough time and space to sit back and think and bring the best out of myself.

I then said I should reserve a day each week for my best work, starting from 7 am-7 pm. During this period, I did not receive any calls neither, did I respond to emails nor open my inbox. The results were stunning since I could finish a week-long work on a Mega day.

Here’s how to make your Mega Day a success.

Reserve your Mega Days in Advance

It is essential to reserve your Mega Day in advance for a continuous and uninterrupted flow of work, as even the shortest of calls or slightest of glances at your emails may interrupt it. Try to reserve your Mega days at least a month or two in advance. If you schedule them, defend this stipulated time with your life. Your friends, family, co-workers, or even neighbors will try to get a piece of this precious time, but it is your sole job to make sure that does not happen. Be assertive and respect the rules you have set for yourself.

Allow yourself to go Off-grid

Resist the pinching urge to want to check your email, replying to messages, or getting active on social media. In short, practice internal discipline. By doing this, you will give yourself time to be innovative and productive.

Get help from your family and friends.

For a better success on your Mega Day, it is crucial to ask for support from those around you. By doing this, you will create a supportive community for your project of spending a day every week to beat your best target.

Sparing a day every week for months may sound daunting, but you will soon find out that the benefits it comes with are enormous. During your Mega day, you may find you have extra time. You can meditate during this time and think big. On a standard day, you may never have time to think straight and collectively.

Conclusion

Setting a day each week for critical self-improvement will make you have more projects done in a single day than you do in one week. For the projects that do not need your precious time, the ones you deem useless, you will save yourself from spending ridiculous amounts of time on them.

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Why Do I Need A Business Lawyer For My Business? Do I need a business lawyer for my business? And if so, when and why do I need to hire a lawyer? These are common questions among many business owners, especially those who are starting new businesses. However, these questions don’t have a direct answer. Some business owners decide to continue operating their businesses without an attorney, and then get one when they land into legal issues. 

As a business owner, it’s important to note that you might be involved in different legal situations, which will require the services of a business lawyer. In addition to this, you will also need a business lawyer to assist you in navigating through different situations, like acquiring a new property, getting legal advice, and many more. All in all, hiring a business attorney is essential for your business, and will help in keeping it functional and compliant. 

So, what’s the first step towards hiring a business attorney?

First, you will need to examine the needs of your business. Whether you want a business lawyer when starting a business will largely depend on the type of business you want to operate. Some businesses will need you to hire an attorney immediately, while others will not. 

If you want to start a sole proprietorship, for instance, you will not need to register the business with the state. Therefore, you won’t need to hire a business lawyer when starting such a business. Moreover, there’s no specific paperwork needed, apart from a local business license. This can also depend on the nature of the business, as well as other unique requirements. 

For Limited Liability Companies (LLCs) and partnerships, you must register these businesses with the state. You will need to prepare documents, like a Limited Liability Company operating agreement or a partnership agreement. In some states, you can register such businesses online. However, it is advisable to hire a business attorney to help in registering your business if it’s complicated. 

Business corporations or S-corporation should also be registered with the state. These types of businesses have an intricate ownership structure, meaning bylaws and other documents must be prepared. A business attorney is a must if you are starting any kind of corporation. For an S corporation, it first starts as a corporation, which then elects an S corporation position with the IRS. Yes, this sounds very complicated—which shows the importance of hiring a business attorney. 

With that said, let’s look at the reasons when you need a business lawyer for your business. Note that these reasons apply to both startups and existing businesses. 

Drafting contracts

Any business contract or legal agreement should be prepared in a good format, as well as following set legal guidelines. A professional business lawyer is in a better position to prepare these documents when you want to enter into an agreement with a third party or legalize your partnership. 

Business lawyer, Michele Diglio-Benkiran, shares that the legal paperwork should protect your business interests, meaning you can sue anyone who goes against the terms set in the agreement. When you hire an experienced business attorney to prepare the paperwork, they will advise you to know whether or not you need to add extra documents for the paperwork to be complete. 

As an employer, you will need an employment contract or agreement for your employees. A well-drafted agreement or contract will protect your business in case a dispute arises. 

Acquiring a business license

When operating a business, you will realize that there are certain times when you will need a permit or a license from the government or administration. Hiring a business lawyer at such a time can save you unnecessary stress. At times, you might be required to register your business with an administrative body, which can be a challenge without the assistance of a business attorney. 

Preparation of business forms

Corporations, sole proprietorships, or limited liability companies will need to be described professionally in terms of their operations. This will help the business to operate smoothly. Smooth operations are essential as they prevent employers, employees, as well as other partners from breaking the set rules. Any professional business lawyer can assist in preparing the business forms in case you want to define some roles in your business. 

Reviewing financial records

A business has two roles—to make money and create revenue. This involved several financial transactions, like expenditures, income, distributions, as well as income tax. However, the most essential thing is to prepare income tax paperwork to avoid getting into legal problems in the future. 

As a business, you will need to keep a good and updated record of all your income, expenses, as well as paid tax. Your income tax records assist in showing that your business has paid taxes to the government. At times, your business might be required by the court to present its financial and tax records for accountability. The non-availability or incomplete records can land your business into big trouble. However, with a business attorney at your service, you’ll always have these documents at hand. 

In case of a lawsuit

Owning a business doesn’t mean that everything will always go on smoothly. There are times when you’ll be faced with a civil lawsuit. Navigating through a lawsuit without the assistance of a business attorney can be a great challenge. 

However, having a business attorney during such a time can work to your advantage. If you have an attorney with whom you’ve been working with, it means that they know your business better, and they can immediately start dealing with your case. Moreover, any professional business lawyer will draft your agreements in a manner that you’ll always have the upper hand in case of a legal dispute. 

Managing liability

Different types of businesses come with different risks as well as protection to the owner. In the event of personal liability, it means that any financial obligations for your business can be met with your assets. Hiring a business attorney can assist you to avoid such a situation or reduce the risks. 

If you manage a business, personal liability risks destabilizing your financial wellbeing. This shows the importance of consulting a business lawyer in such a scenario. 

Independence

Today, the state government will decide certain policies for your business—these policies in the form of Uniform Laws. Most states set these laws to fill in the gaps for business where their by-laws, charters, as well as other important documents, aren’t clear. That means, your business might be governed by a set of regulations that you are not aware of in the first place. However, a business attorney will ensure that your business has all the necessary policies in place, thus preventing you from being a subject of the laws set by the state government. 

A lawyer will assist you to avoid making mistakes

Owning a business comes with a number of legal pitfalls. As a business owner, you are prone to making certain legal mistakes, regardless of the level of your experience. But, a professional business attorney is experienced in identifying any potential pitfall that may come your way. Thus, they will assist you in avoiding any serious issues, which you might not be aware of in the first place. Some legal issues, like employment lawsuits, can land your business in a big problem. Thus, having a business attorney can help you with such issues.

Conclusion

Yes, you might not need a business lawyer to assist you in navigating every other step of your business. However, a professional business lawyer will help you in avoiding future issues for your business—which is vital for its success. Also, you might be able to deal with certain business matters without any assistance. However, you will need professional assistance when dealing with legal matters. So, the best thing to do is to retain a business attorney who can assist you with a number of legal issues. 

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Top Signs That Your Business Is Ready for Custom Software Development The importance of software solutions in the success and growth of a business cannot be overstated. Nearly eight in 10 enterprises constantly incorporate digital technologies in their day-to-day business activities. In 2020, global expenditure on enterprise software is expected to reach $426 billion.

Given the wide availability of ready-made software nowadays, investing in custom software development might be less of a priority. Some might even consider it completely unnecessary. However, there are unique requirements, business processes, and challenges that require a more customized solution.

How do you know whether you’ll benefit from off-the-shelf or custom IT solutions? What are the signs that indicate a need for a tailor-made solution?

Below are the top signs that suggest you need software customized to your business requirements.

Users avoid your existing systems

This is an early sign that your current software requires modification or you need to implement a new one.

Low adoption rate suggests that your software is unable to function well or carry out its job. It can also be because the system is difficult to use. If the software is unable to fulfill a business or user needs, users will look for better solutions.According to GoodFirms, adapting to changing client requirements is a major challenge of software solutions.

Custom software development puts your needs at the heart of the process. Developers build from scratch and work closely with end-users to ensure that the solution is highly responsive to their specific needs. Its capabilities are designed to meet unique business requirements ensuring that they solve the problems that employees and customers face. Involving your employees (and even customers) in the development of tools increases the adoption rate as well as user satisfaction. 

Use of multiple systems for a task

While it is normal for businesses to use several software solutions for different tasks, running different software to complete a single job is not. This approach could produce inefficiencies, errors, and redundancies. It is also costlier to maintain several solutions and hire more people to run them. Customizing a solution that integrates all of these functions into one system can help avoid these problems.

Difficulty level

Even if you have the best software, if your employees cannot use it adeptly, you won’t maximize the technology’s benefits. Training your employees on how to use the software is crucial. To ensure a successful transfer of knowledge, you need an expert in the software. However, if the software is already outdated without an available expert, users might find it hard to learn and use it. In some cases, expert users might find it difficult to train others and consider doing things by him alone.

Custom software development ensures that the digital solution is made easy-to-use for employees. User’s tech skills and learning capacity are primordial in building the software.

Business growth

Off-the-shelf software solutions come with rigid features and functions. Its lack of scalability and versatility can inhibit your business growth. Custom software can take a phased approach, wherein new capabilities or components are added incrementally into the system. According to developers at Entrance Consulting, the expansion of functionalities can go alongside business needs.

Software causes problems than solutions

If your software program is causing more delays than solutions, you better hire custom software developers immediately. This can be a problem especially when the software runs contrary to the current business processes or culture. Obsolete software might make you feel stuck with the old processes. Implementing custom software can help you move forward quickly. The software solves your business problems and ensures efficiency.

Manual tasks take a toll on your business

Digital software is all about automation. If your business is still stuck with manual processing, you are losing a lot. Custom software solutions provide you with a better way to manage and complete the seemingly never-ending tasks. The software is equipped with functions and features that meet the business unique needs.

Difficulty reaching your target market

User engagement is critical to the success of a business. To achieve this, customer relations are vital. It involves the process of reaching your target audience and converting them into sales. But this entails a tedious process. You need to carefully study and nurture your clients.

Custom software development can help take care of this aspect. Customer engagement is integrated into all components of the business. This enables you to focus better, create effective marketing strategies, and grow your market base.

Establishing a brand

Establishing a unique brand identity is important to the success of any company. However, branding is more than just plastering your trademarked logo on your products, website, and other marketing campaigns. It also includes the overall experience of consumers. As such, the end-user system should ensure optimum satisfaction.

Customized software solutions are valuable components of your branding. For example, major brands offer mobile applications that streamline account management or shopping and purchasing processes. Apps give them the convenience of transacting with your business while at the comforts of their homes.

Final Thoughts

Mass-produced software solutions are usually great for organizations with limited processes and minimal tech needs. However, as your business expands, the rigid structure of off-the-shelf software might pose problems. If your goal is to scale up and stay ahead of the competition, efficiency is not something that can be compromised. This is where custom software development becomes a necessity.

Customized software solutions streamline your business processes and improve productivity, further ensuring natural growth.

If you believe your business is showing any of the above signs, start reviewing your digital solutions and consider working with custom software development services. Choosing the right provider is vital in pushing this strategic decision.

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Top 10 Billing Apps For Small Business Before computers and the Internet, businesses relied on manual invoicing systems which proved tedious, error-prone, and costly.

The need for an effective billing system gave rise to an electronic invoicing solution. Alongside accounting software and internet banking, billing apps were introduced in the late 20th century. With this new technology, invoicing processes became streamlined, digitized, and automated. It also paved the way for paperless invoicing. From the heyday of off-the-shelf software applications, these apps are now delivered through the cloud which makes them even more advantageous.

Due to its numerous benefits, billing solutions have become widely adopted. Businesses invest heavily in these applications to leverage its advantages. In 2020, global IT spending is expected to reach about $3.46 trillion which includes accounting software applications.

Nowadays, the majority of businesses – both small and large enterprises – integrate billing solutions in their operations. Although it’s not hard to appreciate the rewards of electronic billing, choosing the right fit for your business can be tough. Developers of enterprise billing platform, Kansys emphasized the importance of utilizing a compatible solution for optimal efficiency. There are tons of options available which makes it extremely challenging.

To help trim down your options, here is a list of ten billing software solutions that could cater to your business needs.

FreshBooks

One of the favorite billing application software solutions, FreshBooks is an easy-to-use and powerful tool with over 5 million enterprise users. This billing IT solution is ideal for small businesses that are grappling with growing and complicated invoicing tasks. FreshBooks integrates easily with your business platform. It allows you to create professional, personalized invoices that are completely automated. With its scheduling feature, you are assured that customers receive their statement of account promptly. As a result, you’ll get paid timely too. FreshBooks also comes with a mobile app, which enables remote access.

Zoho Invoice

Zoho Invoice is a straightforward online invoicing app that allows you to create professional invoices. With this IT solution, you just need to sign up and start sending invoices to customers. Aside from the billing module, the software offers other capabilities, such as multiple currency compatibility, time-tracking module, sales and marketing tools, digital payment gateways integration, and collaboration with other team members. The subscription plan starts at $9 per month although you can also avail of the 14-day trial.

Xero

Xero is an online accounting software with comprehensive features, such as invoicing, inventory, dashboard, bank connections, expenses, bank reconciliation, payroll, project management, and bills payment. These features allow you to create and gather records that can be applied in invoices and other transactions. Basically, it’s an all-around business finance management tool that can benefit every business. You can try this software, albeit with limited features, with its free 30-day trial. The pricing starts $20 per month.

Invoiced

Invoiced is reliable accounts-receivable software delivered through the cloud. One of the most advanced invoicing software solutions, the technology automates the four aspects of billing under the following modules Invoice-to-Cash, Subscription Billing, Payment Plans, and Customer Portal. These integrated features ensure a seamless process from invoice creation to payment. Invoiced has a very user-friendly interface and makes recurring monthly billing simple by sending pre-scheduled invoices thru email or mobile phone.

Invoicera

A popular billing solution, Invoicera has over two million subscribers. The software is customizable to your business needs, integrates with existing IT systems, and hosts in your own IT infrastructure. It connects businesses and their clients to ensure a steady cash flow. It contains functions for creating and managing bills, integrating digital payment gateways, and tracking payments. Save your time and effort sending recurrent invoices with this software. The Starter subscription is free but limited to 3 clients. Meanwhile, the Pro program starts at $15 per month. If you want unlimited they also have an Infinite package for $149 per month.

Hiveage

Launched in 2014, Hiveage is a cloud-based invoicing and billing software. It boasts of over 65,000 satisfied enterprise owners. Its features are anchored in managing three vital aspects of a business – money, customers, and your team. Hiveage is a straightforward software solution with very intuitive functions and features including online invoicing, payment gateways, recurrent billing, time and mileage tracking, estimates, financial reports, expense tracking, and team management. Sign up is free but basic plans start at $16 per month.

Invoicely

Invoicely is a solid invoicing platform with over 100,000 subscribers. The cloud-based program contains all the billing and invoicing functions small businesses need.  It allows you to create beautiful, customized invoices, estimates, and quotations. It streamlines and automates workflow, sends electronic billing and reminders, records clients client information, supports multi-currency transactions, incorporates taxes, discounts, and shipping, and tracks mileage and expenses. Invoicely allows unlimited invoices which makes it ideal for small businesses with numerous transactions. Pricing starts at $9.99 for the basic plan.

Sage Business Cloud Accounting

Originally launched in 2011 as Sage One, Sage Business Cloud Accounting is more than a billing solution. Sage is a robust, cloud-based software application equipped with an array of business management tools and features. Its simplistic dashboard contains everything you’ll need to create, send, and track billing. The software is also capable of accepting payments and tracking time, expenses, and mileage. It can also be used across multiple businesses. Sage offers business-friendly pricing that starts at $9.99 per month.

Billdu

Billdu is a full-featured package that is ideal for small businesses. With more than 60,000 active business subscribers, this professional invoice maker promises users with an unbeatable experience. Creating and sending an invoice takes just a matter of seconds. Customers can pay conveniently through their integrated payment gateways. Aside from managing invoices, the software also features expense records that give a quick overview of expenditures, unpaid bills, and company balance. You and your team can easily access financial records through this software. You can try it firsthand for free by subscribing to its risk-free trial. Meanwhile, the starter pack starts at $1.99 per month and the premium package at $14.99.

Invoice Simple

Perhaps one of the simplest electronic billing software, Invoice Simple allows you to bill customers from your computer, phone, or any compatible device. This software solution is perfect for individual contractors, freelancers, and small businesses. Choose from its long list of professional invoice templates that you can customize. You can also draft estimates and create receipts.

Bottom Line

There are plenty of billing applications out there. While the basic features are the same, each of these invoicing software applications comes with unique advantages. Make sure you evaluate your needs and weigh your options carefully to fully enjoy the rewards of automating the invoicing process.

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The Main Differences in noise barriers: Sector by Sector Guide No one likes noise pollution thus several techniques are deployed for getting rid of it. Many people use absorption techniques for absorbing the sound waves. You can go for soundproof material for the protection of the environment at large. You might have learned in school that energy can not be created nor it can be destroyed but only transferred. One such way of transferring is via the use of noise barriers. There are several types of noise barriers that are capable of channeling sound energy for a healthy environment. Let’s dig into the main differences in the noise barriers.

Materials and Textures

One of the differences occurs in the types of materials the noise barriers are constructed out of. Such different construction results in a difference in texture. If we talk about the common noise barriers then some of them are concrete, wood, and metal. Some companies also make use of brick but the use of brick is limited due to the high incurred production cost These different materials ensure that noise barriers could go with several types of designs without disrupting the aesthetics. There are wooden noise barriers that give a rural touch and contrary there are concrete/metallic noise barriers for an urban appeal. No matter what type of noise barrier is, different patterns can be applied to each for lending different characters to the barrier. Several walls are also painted in different colors for better variety. If you want contrast then it can be created by companies like Duraflex for they can offer textured panels and decorative panels.

Tie Wall to Landscape and Existing Highway Structures

Let’s dig into the types of noise barriers used. Tie wall to landscaper noise barriers exists along with the living barriers. If we talk about living barriers then these types of barriers were widely used for western Europe. These are the vertically designed walls that are great for the promotion of willow plants. If we talk about earth then in living barriers the earth is contained inside a willow post. Moreover the twigs sprout leaves cover the structure of the living barriers which gives the outlook of the wall like a hedge. These noise barriers provide protection against dryness through the irrigation systems. If we talk about the maintenance then it is quite minimal. The living noise barriers have the age of thirty years. Living barriers are attractive barriers which are better in terms of maintenance and appearance than the common barriers. One can avail different noise barriers through companies like Duraflex .

Planting Troughs Nested in the Wall

There are then planting troughs nested in the wall noise barriers. In these types of noise barriers, plants can be integrated with walls. Many times, the use of these types of noise barriers is very limited for they are used in the space where planting is limited. We can go for wire supports for attaching plants to the metal surfaces. Additionally vines that are planted on the residential side for the noise barrier naturally cascades on the top. Moreover, small holes can get drilled to the wall surface for allowing the vines to grow through. You can contact companies like Duraflex for installation of different types of noise barriers.

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Important Techniques to Reduce Noise Impacts Though it goes unnoticed noise plays a vital role in one’s life and has different effects on them. Heavy noise can be quite irritating to the ears and the surrounding as well. There are n many solid reasons why people want to reduce sound. One of the most important reasons is that it is unpleasing to the ears. Moreover, it is seen that the room noise can be of much more intensity if the location of the residential home is just by the main road. In these types of scenarios, the noise is at its extreme and is very distracting and disturbing. On the other hand, the very same loud and heavy noise can be reduced due to some important different techniques which many few people know about. duraflexdistribution.com.au offers more information.  If you don’t know much about reducing the noise and was searching for it, then there is nothing to worry about as this article has got you covered. This article will guide you through the important techniques by which you can reduce noise impacts.

Increasing the distance

One of the key factors that play an immense role in reducing noise is the distance. It can be easily obtained and the loud noise can be decreased just by increasing the distance between the highway and the residential building. It is seen that doubling or increasing the distance can lead to the intensity of the sound being decreased which is a great benefit. This technique if one of the most cost-effective techniques as there is no additional investment needed but only a clever mind to manipulate the buildings.

Use of Noise Compatible Land

Nowadays one of the most used solutions and techniques for reducing the noise impacts is to locate and place the noise-compatible land. It is suggested that if possible, then the noise compatible land shall be placed nearest to the noise source. In many places, it is seen that the noise compatible land is placed just beside the traffic routes and highways. for more information. These are the main sources of noise due to which placing them here is the best idea one can ever approach.

Using buildings as noise barriers

One of the most efficient ideas and techniques to reduce the noise impact is just to place buildings in such a way that they themselves act as sound barriers. It is seen that long buildings or parallel buildings lined up row by row by a highway can be one of the most cost-effective and clever approaches that one can ever approach. The reason behind this is that there is no additional investment being made but the same investment is used to manipulate sound.

Planned Unit Development

Besides the points discussed, one of the cleverest approaches is to use and implement a cluster subdivision. There is PUD which is also known as a planned unit development due to which it is seen that this reduces the noise by much big ratio. The cluster subdivision is prescribed itself by the zoning ordinance. In it, everything is dealt with the site and not individually. Instead of applying for a parcel individually, it is seen that it is done on the entire site.

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What is Data Cabling Adelaide? Ethernet cables are an increasingly common form of network wire used during wired networks. They have been used to network cables, like servers, desktop computers, and adapters, installed on local area networks (LANs). That is among the most popular wired connections that use cords linked to networking devices and pcs and other gadgets through Ethernet cable.

For even more mobile devices becoming built to utilize wireless internet networking, the advantages of standardized data cabling schemes have to be evaluated when putting up a whole new installation in your workplace.

A standardized cabling layout from https://thgelectrical.com.au/adelaide-data-cabling/ offers a robust connectivity system for companies, organizations, or government agencies to move information, audio, warning, clip, or signaling over the system. That is since a standardized cable network is healthier and much more reliable relative to the wireless-based channels.

Benefits of Data Cabling:

Simplification:

Electrical wiring networks provide a substantial degree of corporate straight-forwardness. In the very same period, several organizations have various styles of systems and IT facilities.

Fewer downtime:

Since data cabling guarantees consistency, multiple connection concerns can be quickly solved, leading to decreased slowdowns. It is possible that you would spend lots of time attempting to find a cable that created an issue by utilizing different cable networks.

Suitable for adaptation:

Cabling devices with framework arrive with quite high frequencies. The network will accommodate any potential apps that might be implemented into your product with robust bandwidth.

Pros and Cons of Data Cabling:

Pros:

  • The cable is very well recognized because of its durability, as is fiber.
  • In some instances, including natural disasters and power failures, you'll have a widely available cable link at about any moment.
  • When you're in an area where power cuts are not commonly experienced, and fiber will still be relatively recent, then cable could be the best choice.
  • The wire is easily open because it is now usable in many more places than fiber.
  • The cable can also be fewer costly, based upon the requirements and place of your company. But, if you ever don't have enough faster fiber rates at the time, you may not consider it cost-effective.
  • Moreover, with relatively improved industry-wide expectations recently for wire, the product is suitable for efficiency development

Cons:

  • For cable, frequencies rely on certain people's consumption levels in your city, so if you're in a massively dense zone, you might be experiencing delays throughout busy hours. While well as being inherently weaker than fiber, delays (latency) can often be more severe for cable.
  • Cable and internet companies typically have bandwidth thresholds, and you pay extra costs if you move over all those restrictions. Ultimately, the cable may not be as environmentally efficient as fiber depending on the volume of data it transports compared to the quantity of electricity consumed.

Selecting an optical connection between cable and fiber:

When considering the advantages and disadvantages of cable internet, it is crucial to note that whatever is going to be best for your company is determined by a variety of variables like affordability, size, expenditure, frequency and protection criteria, and much more.

Conclusion:

Though Wi-Fi is progressing and providing far better efficiency rates, and so is Ethernet, and in certain situations, the related connections offer several unique benefits. Wi-Fi will rely on the area; when there are barriers along the road, the range from the router, and more. Ethernet cables have an excellent service standard and are therefore chosen by specific workplaces, although they may sometimes be effective by private local area network (LAN).

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Typical Process for a Car Loan Adelaide A car has become a necessity rather than a luxury in this modern era. Different people use different types of cars as per their preferences. You will come across many people who either opt for a brand-new car or a used one. Whichever car you opt for, purchasing one means going for a car loan. When you are in a car showroom, it naturally means that you have already spent a lot of time doing your research on the best possible car as per your needs. However, when it comes to a car loan and the way it works, most of you draw a blank face.

So, see below or the guide at buttonwoodfinance.com.au/car-loans-adelaide/ to learn more.

Factors That Affect the Monthly Payment and Total Payable Amount

When your car loan gets approved by a lender, you receive the loan amount in a lump sum. You need to pay off this amount, together with the interest amount, in monthly installments. There are three basic factors that affect the monthly payment and the total amount that you need to pay back to the lender.

  1. The Amount of The Loan: This amount may be lower than the actual value of the car. It depends largely on whether you make a down payment or you opt for a trade-in vehicle.
  2. The Annual Rate of Interest: This happens to be the effective rate of interest that you need to pay on the loan amount. It is also referred to as APR or Annual Percentage Rate.
  3. The Loan Term: This refers to the total time that you have within which you need to pay back the loan amount. This normally ranges from 36 months to 72 months.

The Way These 3 Factors Affect Your Monthly Installment

The idea of paying out a low monthly installment is always welcome. However, it is also important for you to look at the bigger financial picture. Low monthly installments may also signify a higher total amount for the car that you need to pay off to the lender over the loan duration. The three above discussed factors can easily be adjusted to affect your monthly installment.

  • Reduced Loan Amount: The loan amount can easily be reduced if you opt for a larger down payment or go for a trade-in of an older vehicle.
  • Reduced APR: Different car loan lenders may have different annual percentage rates. If you opt for the reduced annual interest rate, you can easily save a large sum of money by the time the loan period ends.
  • Longer Loan Period: It is true that opting for a longer loan period will mean paying reduced monthly installments. However, if you calculate carefully, you will come to know that you pay a higher amount for the car by the end of the loan period. Thus, better opt for a reduced loan period to save money.

When it comes to car loans, it is always better to take some time and think carefully before you choose the lender and his rates. After all, you have to pay the loan amount from your own pocket.

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Pest Control Adelaide Dos and Don’ts for Homeowners You will hardly come across a home that is free from pest infestations. Amongst all those homeowners who fight every day with pests, majority of them prefer to go for DIY options. It is needless to say that DIY solutions for pest removal can often prove to be rather complicated. Instead of depending on your limited means and knowledge on pest removal, it is always better to hire a professional exterminator who has proper skills, tools, and knowledge about how to eradicate different types of pests using different methods.

Some Dos and Don’ts for DIY Pest Control Options

Different types of bugs can cause different types of chaos in your personal lives. For example, termites can cause large scale destruction to your wooden furniture and cockroaches can cause various types of health diseases. Murray Pest Control confirms it is also true that various bugs form an integral part of the natural order of things. Thus, here are some dos and don’ts that you need to follow when you prefer to go for DIY options for controlling pest invasions at home.

  • Do Try and Identify the Pest Before Deciding Upon the Treatment: In order to successfully eradicate pests from your home, first of all, you need to identify the type of pest that has invaded your privacy. The same technique may not work effectively for all types of pests and bugs. Thus, identifying the pest is important to get rid of it once and for all.
  • Do Try and Locate the Primary Hiding Place of The Pest: Different types of bugs and insects can easily spread to your entire house. However, all of them will have a few common areas where they will always go. This is especially true in terms of termites and ants. The simple logic behind this is that these bugs follow a hierarchal system where the workers work and provide food to their queen. Follow their trail and destroy their homes. This will surely kill almost 99% of the termites or ants.
  • Do Store Your Food Properly: When it comes to the foods stored in your house, make sure that you store them away in tightly sealed boxes, containers, and jars. This is because these containers can easily attract cockroaches or ants to it. Also make sure that all your fruits are kept in the refrigerator so that flies are unable to sit on them. Expired foods should be disposed in sealable plastic bags and fruit bowls should be covered with the help of a plate.
  • Do Not Allow Pets or Kids to Roam Around When You Use Insecticides: Getting rid of pests would mean the use of high-quality insecticides. These products contain powerful poisons that may endanger the lives of kids and pets alike. Thus, it is always better not to let them move around freely when such powerful insecticides are being used.
  • Do Not Forget to Wear Protective Gear: When you work on your DIY pest control tools, do not forget to wear your protective gear. After all, precaution is better than cure.
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Building Inspection Sydney Standards The building or house where you stay protects you and your family from the sudden changes in weather conditions outside. In return, it takes all the beatings from Mother Nature in order to safeguard the inhabitants inside. As a result of this, it starts to develop minor structural defects, such as cracks and water leaks. If these defects are not fixed on time, it may grow in size and eventually endanger the lives of the people inside.

The best way to catch such structural defects on time is to conduct a thorough building inspection of your house or office. You will also notice people or home buyers, to be more precise, opting for building inspections of a new property before buying it. This lets them find out about any problems with the property they are interested in and whether it is worth all the price.

Unlike popular beliefs, a building inspection Building Services Sydney happens to be a non-invasive visual examination of the different accessible areas of a house or residential property. Such examinations are conducted for a fee and are aimed at identifying defects with various components and systems of the building. It is important for you to note that:

  1. Building inspections are based on the observations that are made on the date of the inspection, and not on any prediction of future conditions.
  2. Building inspections do not reveal every possible problem that may exist or could exist. However, it reveals only those material defects that are observed on the date of the inspection,

When you talk about material defects, it refers to any particular problem with a component or system of a building that can significantly cause an adverse impact on the property value or that poses undue risks to people residing inside. It is important for you to note that a component or system that is beyond its normal useful life cannot be termed as a material defect.

The report made by a building inspector will have a written confirmation of defects that have been identified within particular components and systems that have been defined by these standards and are both deemed and observed material by the inspector. You may also find additional recommendations and comments in such reports.

Exceptions, Limitations, and Exclusions

  • A building inspection can never be technically exhaustive.
  • These types of inspections cannot identify latent or concealed defects.
  • Building inspections do not deal with any aesthetic concerns or those that could be deemed as cosmetic defects or matters of taste.
  • Building inspections do not determine the suitability of any property for any specific use.
  • An inspection will never determine the market price or value of a property.

If you wish to buy a new property, it is always advisable to hire a building inspector and get the property inspected in order to find out if the property is safe to stay or not. It will also tell you whether the asking price of the property is really worth it all or not. Since it is a major investment, being safe is always welcome.

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Cloud-Based VPNs See 165% Growth With the Rise in Remote Work

NordVPN Teams, a business solution from the world’s leading VPN service provider NordVPN, has recorded 165% growth in users due to more and more people working from home.

According to Google Trends, the search term “VPN” has skyrocketed since last week. In the US, it grew by 25%, the UK 20%, Germany 30%, Spain 40%, and Italy, which has suffered the largest coronavirus outbreak in Europe, 55%. These numbers are also reflected in VPN sales. 

“We recorded 40% growth last week. By today, this number has quadrupled as more countries are announcing quarantine and office workers choosing remote work,” says Daniel Markuson, a digital privacy expert at NordVPN Teams. 

Why are VPNs so crucial for those who work from home? First, businesses must set up secure internal communication and coordination. Companies need to make sure that all vital information reaches their employees securely. When in office, everyone uses the same Wi-Fi connection, so it’s easier to ensure secure communication. On top of that, employees need access to all of the internal resources; at the same time, these assets must be protected from potential attackers.

A cloud-based VPN has many advantages over traditional corporate VPNs. “Thanks to the virtual plug-and-play setup, NordVPN Teams can be installed very quickly. What matters most during quarantine, it can be done remotely,” says Daniel Markuson, the digital privacy expert at NordVPN Teams. Many of the traditional corporate VPNs have to be set up by configuring individual computers. This requires both time and physical contact, which is a strict violation of today’s health and safety rules. 

Another huge advantage of a cloud-based VPN is that new clients can be connected very smoothly. “At NordVPN Teams, we are working in three shifts and connecting up to 200 new users per hour,” comments Daniel Markuson. “We are also expanding our server network to satisfy the growing demand for cloud-based VPN services.

“People should keep in mind that cybercriminals are well aware of the fact that many people are working from home. Attackers hope that these employees are leaving security gaps,” says Daniel Markuson. “Sadly, cybercrime doesn’t stop because of the quarantine. Therefore we encourage you to pay serious attention to proper cyber hygiene.

ABOUT NORDVPN TEAMS

NordVPN Teams is a cybersecurity solution for business from the world’s most advanced VPN service provider NordVPN. NordVPN Teams has a full range of features to ensure convenience and powerful digital protection for small and medium enterprises, freelancers, and remote teams. NordVPN Teams offers advanced 256-bit encryption, ad and malware blocking, unsecured traffic prevention, automatic connection on Wi-Fi networks, and 24/7 customer support with a dedicated manager. NordVPN Teams is available on all major platforms. For more information: nordvpnteams.com.

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Avoid Doing These 6 Things When Starting Your Own Yoga Business

While practicing yoga is supposed to strengthen and provide clarity, the process of opening a business can do quite the opposite. As with any new venture, there are a lot of different aspects that need to be considered before starting a business. Avoiding certain approaches can help the process go much smoother and prevent any problems that can come later on down the road. Here are 6 things to avoid when starting your own yoga business.

Picking a Bad Location

You’ve probably heard it time and time again; location, location, location. Any successful business owner will tell you just how important it is to find a good location. For people looking to establish a yoga business, accessibility will be one of the more important factors to consider. Because your clients will, ideally, be attending your classes on a consistent basis, they will need to make the regular commute to your place in order to do so. So finding an easily accessible location will make it more likely that people will become regular customers.

Spending too Much on a Studio

After you decide on a location for your yoga business, the next thing you should be wary of is spending too much on a studio. Whether it’s a brand new space or an existing one, most people that are just starting a business will tend to want the perfect studio with the perfect setup. Spending too much on equipment and interior design can have you in over your head before you even get started. So it’s a good idea to try and focus on affordable options to avoid accumulating expenses.

Owning a Business with Someone Close

A general rule of thumb for business is to avoid working with family or friends. In this case, you should avoid making someone close to you your business partner. This isn’t to say that they can’t help you or provide any input. The problem comes when one or more close friends become partners/owners of your business. More often than not, each person involved will have slightly different approaches to doing business, which can lead to friction. The complicated nature of maintaining a friendship while trying to assert opinions can make your business suffer.

Relying on Classes for Profit

While you may be an avid practitioner looking to teach others the philosophy of yoga, running a business will require more than just hour-long classes of different poses. Unfortunately, running a studio will produce a lot of expenses and overhead, so offering only a series of classes will probably not be enough to cover the costs. You will most likely need to expand to incorporate other programs that can help create more profit.

Skipping Social Media Advertising

Advertising is a great way to get your business out there. But simply handing out flyers or business cards won’t get you very far. Social media advertising is a free and easy way to get your business the exposure it needs. Social media also provides you with a platform to connect with your customers as well.

Failing to Get Yoga Teacher Insurance

Yoga teacher insurance can protect you and your staff against injury claims and can provide several additional benefits. Even though yoga is a relatively safe activity — and teachers often instruct students on safe practices — injuries do occur. Surprisingly, statistics show that over five thousand yoga-related hospital visits happen every year. The best yoga teacher insurance will protect against claims and provide benefits like covering stolen equipment, identity protection and can help with establishing a website.

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What You Need to Do to Scale Your Business Effectively

There are a lot of reasons to scale your business, but one of the most convincing is higher revenue! More customers and more sales translate to more money that you can reinvest into making your business exactly what you envisioned when you first started.

However, if you want to be successful, you have to make sure you’re ready for that boom in business. Before you wake up overnight and realize you can’t handle the increased demand for your product or service, plan ahead with these tips.

Invest in the Right Technology

We all tend to take technology for granted. That is, until it doesn’t work. It isn’t uncommon for businesses to assume everything is just fine with their tech, only to experience problems as soon as more demand is placed on the system.

Updating your technology should include considering new services to keep your information more secure, like DNSSEC, but it should also include features that are designed to streamline how your technology works.

For example, most systems are actually comprised of multiple systems that work independently. As your business grows, everyone will appreciate it if you invest in a single system that can handle it all.

Source More Resources

Chances are, you aren’t going to be able to deal with an increase in demand with what you already have in place. That includes your tech systems, but it also includes the resources you use to create your products.

Being ready to scale your business requires you to think about the resources you may have already been using for years. Will you be able to increase your supplies order overnight, or will you have to consider a different supplier? If you want to create hundreds of more products overnight, will your manufacturing facility allow it? These are important questions to ask if you want to scale your business at any point in the future.

If you offer services, you will have to consider the training of the people who are able to offer those services. That’s especially the case if you decide to hire more people to join your team. Investing in thorough training can make sure scaling your business goes as smoothly as possible.

Make a Plan to Get More Sales

You may dream of scaling your business, and you may even be ready by getting your technology and resources in order, but none of that matters if you don’t actually find a way to get more sales!

There are many ways to boost sales. A few you will want to consider include:

  • Use SEO techniques and share blog content online
  • Connect with influencers on social media
  • Host a contest or giveaway
  • Advertise online with AdWords or Facebook
  • Host activities and events in the community

If you really want to boost sales, you need to hire more sales staff. If you’re worried about the cost of hiring so many sales associates, get them started with commission-based salaries. You can always pay sales reps more later if you want to keep them around.

Hire The Right Staff

Speaking of hiring more sales reps, you also have to consider other essential staff members that will enable you to scale your business. That includes hiring for different positions, but it also includes hiring the right people for the right job.

Although you may be tempted to scale as fast as possible, it’s much better to take your time because finding the right people to join your team can take time. It will all be worth it when your new team is able to continuously scale your business with as few growing pains as possible.

Find Ways to Get Rid of Low Value Work

Scaling your business comes with more money, but it also comes with more work, and a lot of that work is low value.

It’s time to find ways to outsource simple, but time consuming, tasks that are essential to your everyday life but aren’t directly related to scaling your business and ensuring it continues to be successful.

A few of the tasks you should consider outsourcing to other employees include:

  • Appointment setting
  • Answering the phone
  • In-person tasks, like putting together furniture

By getting other people to do these mundane tasks on your behalf, you will be able to focus your attention on more important areas of your business.

Scaling your business is exciting, but there are a lot of unknowns. Make sure you can sell more to your customers and clients with confidence by following these tips.

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5 Things You Forgot Your Business Needs

https://www.pexels.com/photo/person-writing-on-notebook-669615/

When starting a business, it is reasonable to worry about building your brand, finding customers, and getting the necessary permits. The problem is that most business owners concentrate on these issues, and they end up forgetting small but vital elements.

You cannot overlook fine details. After all, it is the little things that you do that set you apart from your competitors. They are also the difference between business success and failure. To help you understand what we are saying, here are five things you probably forgot that your business needs.

1. Business Recovery Email

It is very frustrating not to remember individual emails or passwords. That's why you should set up a recovery email. It saves you time and stress when you cannot recall logins for specific business accounts. The email shouldn't be used for business communications or payment processing. It would be best if you used it chiefly to reset passwords. 

2. Support Team

A team runs a business. Even if you are the owner, you need people around you who you can ask for advice and suggestions. They don't have to be your employees or business partners. They can be your friends, family members, or mentors. It would help if you had people who you can fall back on when things are not going well business-wise.

So, who do you confide in or talk to about serious business matters? Consider including them in your support team and have them help you run the business even if it is indirectly. You have to make sure that you can trust them with your business secrets. If not, then don't bother.

3. A Unique Domain

Whether you want to take your business online now or in the future, you need a unique, simple, and memorable name for it. We call it a domain name, and it is the name that online searchers will look for on the internet. Using services like Name.com and GoDaddy, you can reserve your business domain name for about $20 per year.

When coming up with the domain name, think along your business line. It should be the name of your company or should relate to a product or service that you offer. So, you should try as much as possible to avoid acronyms and other less professional domain names.

4. Google Analytics

If you have a website for your business, then you shouldn't forget to use Google Analytics. This intelligent tool allows you to know who visits your site, the pages they are mostly engaged in, and at what point they leave your site. Also, Google Analytics can help you track your marketing campaign. In this case, it allows you to understand the kind of experience that your site visitors have.

The best part is that it is free. So, why not set it up? Maybe this will convince you more – Google Analytics provides you with detailed conversion tracking. A conversion is a business-related act on a website, such as a purchase, a download, or a consultation. By tracking such actions, Google Analytics gives you better insights on what decisions to take to improve your business and customer experience.

5. Life Insurance

Life Insurance might be the last thing on our list and in most people's minds but an important consideration. Business owners need life insurance for their benefit and for the benefit of the people they leave behind. According to info on this website, there is a succession arrangement in life insurance called a buy-sell agreement that allows a partner or partners to buy the business shares of a dead partner.

Generally, buy-sell agreements prevent conflict among the partners left behind, and this makes it a top consideration. As a policyholder, you can also borrow a business loan against your accumulated cash value or fund a compensation program for key employees you want to retain. As for your dependents, the death benefits payout can help them pay off the mortgage and other debts, take care of your funeral costs, and fund a business.

Closing Thought

It is not easy to remember everything that your business needs to be successful, but it pays to try where you can. If you are still wondering what you haven't done so far, look at our list to see what you can implement.

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Getting Life Insurance For SBA Loan

In the process of getting a Small Business Administration loan from the bank, they always seek to know if you have life insurance. The main reason for this is to ensure that the loan gets to be clear even in the case of your untimely demise. With the assurance of loan payment even in your death, the lender rests easy knowing that there is less risk incurred while giving you a loan.

Requirements for You to get  SBA Life Insurance 

Not all Loans require you to have life insurance. Life insurance is called upon in the event that in the absence of the individual i.e. the owner of the business would die. The following are some of the requirements that you may need so as to secure a life insurance policy that might help you get an SBA loan.

Presence Of An Active Life Coverage

You as a business owner needs to have an insurance cover that you have been servicing at a personal level.  The policy needs to be in existence before getting a loan.

There Should Be Enough Coverage

The benefit to be collected after your death should be of an equal amount or more when compared to the loan that you want to take. The term of your life insurance should also be equal or more than the period of time that you are supposed to take in clearing the loan.

There Should Be a Collateral Assignment

Proper documentation of the collateral assignment must be part and parcel of the life insurance at hand. One might ask, "what is a collateral Assignment?" 

Well, the collateral assignment has a simple explanation according to InsureChance. When you as a life insurance policyholder give the lender, in this case, a bank the collateral assignment, you are giving the bank the privilege to be part of the beneficiaries of your life insurance policy. The bank having the collateral assignment they are given first priority in getting a part of your death benefit to pay off the outstanding balance on the loan payment. After the balance has been paid off the remainder shall be given to the other beneficiaries, who is your next of kin.

Types of Insurance Coverage You Should Get

The two major types of life insurance that you can take into consideration are whole life and term life insurance. Term life insurance is not that expensive when compared to whole life insurance. In most cases, the term life insurance is the one used to serve SBA loans.

Term Life insurance

A deeper look into term life insurance and gets to release that it has some wonderful rates that tend not to change over time. In addition to that term, the life insurance policy has a specific number of years that are to be taken in coverage. This makes it the best resort in servicing SBA loans. The reason being the loans themselves take a short time period for their payout.

No Medical Exam Life Insurance

For one to qualify for term life insurance one has to go through a medical exam, but by so doing this might bar some business owners from getting the life cover. The other downside of taking the medical exam, it makes the entire process long and tedious. So if you want a quick route into getting a life cover then you should opt for the no medical exam insurance cover. The only issue with it is that the rate will be slightly higher than that of the term life insurance.

Steps for Setting Up Of a Collateral Assignment

Immediately after getting to decide on the life insurance policy you need. You will have to fill out a collateral assignment form. During the filling of the form, a couple of things must be given great attention.

  • The collateral assignment includes the lender as part of your beneficiaries. The lender is to receive a full loan payment of the outstanding balance in case you die before clearing it.

  • A list of other beneficiaries should be included. They are the ones to take what is left of the death benefit after the loan payment.

  • The collateral assignment has to be signed by you and the lender(bank). This is to show that you both agree to the terms before handing it over to the insurance company.

Finally, after the loan has been fully paid back the collateral assignment is done away with.

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Uncategorized https://www.kunnpa.com/blog/getting-life-insurance-for-sba-loan/ https://www.kunnpa.com/blog/getting-life-insurance-for-sba-loan/ Editor Mon, 03 Feb 2020 22:33:31 -0500
How Identity Verification Improves Customer Experience

The spike in privacy attacks has had significant impacts on both American businesses and consumers. Personal data is bundled, sold, and circulated on the deep web, making everybody anxious. Users would like to be secured, yet they also expect ease and, as a result, have high expectations on companies for services that are quick and reliable.

Preventing fraud may not spring to one’s mind when talking about user experience. Still, the latest research shows that decreasing customer dissatisfaction is now the top obstacle for businesses in preventing fraud. All consumers and businesses demand and pursue secure and friction-free service. This explains why about 85% of people recognize identity verification by a provider like Data Zoo as a tactical determining factor.

What do customers want?

Because multinational businesses are challenged to accelerate progress during customer onboarding, it is essential to address consumer needs. The industry is highly dynamic, so smart consumers are willing to move somewhere else if an organization does not satisfy their urgent needs.

Users demand a fully digital experience for everything as a necessity. Their progress has to take advantage of the platform of their preference, and the method must be in real-time with instantaneous permissions and immediate access. Connect an increased security standard to that, and it is understandable how innovation in identity verification by providers like Data Zoo is necessary.

How does identity verification improve customer experience?

Speed

Biometric verification facilitates onboarding and regulation inspections to be carried out concurrently and easily. Clients can upload photos of their IDs that are then biometrically checked against a selfie. Reports are accessible in a few minutes. An example is virtual immediate onboarding, and for many businesses, a faster realization of profit.

Flexibility

When providing a digital onboarding experience, the consumer process is perfectly smooth together with the other KYC regulations, so where several measures were previously needed, the new ID system eliminates those extra steps. It encourages the client to use the platform of their choice.

Safety

The modern biometric design emphasizes the elimination of identity theft and is the safest alternative available. Biometric data is challenging to reproduce, and its whole nature renders it impossible to override. It directly opposes the ID files that are easily copied.

Precision

Keystroke mistakes hinder the onboarding phase and lead to many consumers getting denied. ID innovation decreases these inconsistencies and enables identity verification of consumers to be processed directly.

In the search, once an account is opened, companies implement procedures to prevent fraudulent transactions. Sadly, such systems often require valid clients to go through a long process with more obstacles and waste valuable time. Keep in mind, most dealings with your company are not planned fraud — legitimate consumers do it. Therefore, although identity verification and deterrence of theft are essential, the experience of the consumer is also necessary.

Although seeking the best compromise between these factors may seem out of control for plenty of businesses, the great news is that with the correct tools in place, there will be no need to compromise one for another. With a structured Data Zoo authentication procedure, you can offer excellent customer satisfaction and prevent fraud simultaneously.

The optimal solution is one that uses several intelligent levels of identification features to test various identity attributes and provides the ability to move to some other method of authentication when the time is right. By conducting all this groundwork behind the scenes, companies will easily green-light genuine consumers without hassle.

Businesses cannot afford to disregard fraud prevention because they care about product recognition and user experience. Having the best strategies and approaches in a position that also allows seamless interaction would bring the business on top in terms of brand differentiation, which every company is aiming for, now in 2020, and onwards.

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Uncategorized https://www.kunnpa.com/blog/how-identity-verification-improves-customer-experience/ https://www.kunnpa.com/blog/how-identity-verification-improves-customer-experience/ Editor Fri, 31 Jan 2020 06:30:00 -0500
5 Employee Engagement Ideas to Apply In Your Company

By now, the top management of most companies has already accepted the fact that employee engagement can provide a lot of benefits to the operation of the business. They should invest in keeping their workforce happy and content with their job.

This practice will help the company keep its best talents. It will also allow them to attract more highly productive professionals to be part of the team. According to experts from Redii, companies should be responsible for lessening the levels of stress that their employees feel due to work. 

If you run your own company and have no idea how to start strengthening your employee engagement practices, here are several smart tips that you can apply in your business. 

Encourage Your Team to Practice Transparency and Collaboration

More companies now allow their employees to work remotely and expand their operations all over the world. But in spite of the physical distance, you can still improve your employee engagement by making them feel connected. You need to reinforce transparency and teamwork, even if they are not working in the same place. You could use tools that keep track of your team’s collaborative efforts and commend them as a group if they managed to have a productive collaboration for the team.    

Develop A Health And Wellness Program

Experts like Redii also suggest that all companies exert an effort to make sure that all the members of the team are physically and mentally healthy. A recent study claimed that companies practising health and wellness programs could see a lot of positive health behaviors compared to those that do not have these types of programs at work. Another study revealed that incorporating health and wellness programs can significantly decrease the risks of chronic diseases acquired by the employees. As a result, it will also lessen the company’s health care costs. 

Support Your Employees’ Work-Life Balance 

There are times when the tasks at work eat up a considerable chunk of your employees’ time. It could harm their daily life and can put them at risk for stress-related illnesses. To avoid this, you can allow them to have the freedom to have a flexible work schedule or let them occasionally work at home. It will enable them to enjoy their life and spend more time with their loved ones without neglecting their job. 

Invite Motivational Speakers at Work

To break the monotony that your employees regularly experience at the office, you can bring in a motivational speaker to talk during one of your team building sessions. It will let your employees learn new skills or acquire new knowledge that they can apply in life. You may also invite guest speakers to teach them several activities that could unleash their creativity outside of work. 

Have Fun at Work

Once in a while, you can cut your operating hours to let your employees have fun as a group. You can conduct activities like scavenger hunts, play outdoor sports, or take them to a facility where they can practice their analytical and physical skills like escape rooms. These social activities will provide a much-needed break for your employees. It will also serve as their reward for all their contributions to your company. 

More importantly, always remember to praise your employees for every contribution that they give to your operations. Praise them for every good work. According to the experts from Redii, the simple act of thanking them or commending them for their contributions can make a difference in their self-esteem. It will encourage them to continue doing a good job and inspire them to have a positive outlook in their professional life. By doing all these tips, you can increase the retention rate in your company. 

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Uncategorized https://www.kunnpa.com/blog/5-employee-engagement-ideas-to-apply-in-your-company/ https://www.kunnpa.com/blog/5-employee-engagement-ideas-to-apply-in-your-company/ Editor Thu, 30 Jan 2020 07:55:14 -0500