Business What Is A Kredittkort & How To Choose One 4:53 PM What Is A Kredittkort and How To Choose One People have been using different payment methods way before cash was invented. To this day, money continues to be the main mode of payment. But wouldn’t it be more convenient and safer to not carry cash around all the time and still be able to pay for goods and services? Thankfully, there are credit cards. If you’re still on the fence about getting one, here’s to help educate you about what a credit card is and how to choose one wisely. What Is a Kredittkort & How to Choose One If you’re new to the world of credit cards, you may have a lot of questions right now.What is a credit card, or hva er kredittkort? How does it work? Is kredittkort good for me? How should I choose one? Some technical terms and processes may be confusing, and it’s normal to want to clarify things before you jump in and decide to get a kredittkort. With all the options, perks, and promises you see, it could be challenging to pick the right one for you. What exactly is a Kredittkort? A kredittkort is a financial tool that allows you to pay for goods and services based on your accumulated debt. You will receive a line of credit from the issuer. You can borrow that money to pay merchants or use it as a cash advance. When you make any payments with credit cards, you accrue a balance that has to be paid at the end of the month. Late payments can result in additional charges and penalties. For a more thorough explanation, visit this page: https://www.bankrate.com/glossary/c/credit-card/How can you use the credit card to your advantage? Using a credit card responsibly can help you build a good credit score, which is crucial if you need to process loans in the future. Pay on time and pay the full amount whenever possible.How do you choose the right Kredittkort for you? Now that you have a basic understanding of credit cards, penalties, and credit lines, it’s time to select the best one for you. Here are three factors to consider in choosing a kredittkort: Issuer. Choose the best issuer. Assess which among the companies in the market has a good reputation, has many years of experience, and what features they offer. Features. Do you want a credit card that can help you build credit? Do you need to save on interest? Would you like to earn some rewards or mile points? Annual fees. These fees play a major role in deciding which credit card is best for you. Annual fees vary depending on the issuer. You’ll find more useful tips on this site about choosing the right kredittkort.After considering all these factors and doing your research, all that’s left to do is apply for the kredittkort. You can apply online or go to the credit card issuer to submit your application. Pick a kredittkort that suits your lifestyle, budget, and preferences. Select one that can bring you more value. Gather all the information you need, find a company that you can trust, and choose the kredittkort that is right for you. Image
Books Book Recommendation: The Turtle Always Wins By Bo Sanchez 6:38 PM We've heard of the fable about the tortoise- and in some versions, the turtle- and the hare.This simple story shows us what humility, patience, and perseverance can do.The Turtle Always Wins by Bo Sanchez teaches us that we can build wealth and also win in the race of life by applying the principles we learned from this famous children's book.This post contains affiliate links, so we'd get a commission if you purchase through the links at no additional cost.The Turtle Always Wins by Bo SanchezRating: ⭐⭐⭐⭐⭐When it comes to living simply yet abundantly, Bo Sanchez can indeed preach. He's living it. In his book, The Turtle Always Wins, Bro Bo explains how long-term investment in the stock market is the best way to build wealth. If someone with a love-hate relationship with numbers like me can easily understand this book and start investing, you can too.The Turtle Always Wins will teach you that true wealth can be achieved using the Turtle Strategy. You can reach financial success through:strategic planningplanting seeds and caring for them regularlywaiting patientlystaying calm during a crisis consistently doing the "boring" work This book is not for you if you're aggressive and want to get rich quickly despite the high risk.But if you want a slow, steady, sure way of building wealth through time, I highly recommend reading this.The Turtle Always Wins by Bo Sanchez is not just a financial book that aims to help those with zero to limited investment knowledge. It's also about having the right attitude to win in the race of life.The slow turtle winning the race over the fast hare is an excellent reminder of Ecclesiastes 9:11:The fastest runner doesn't always win the race, and the strongest warrior doesn't always win the battle. The wise sometimes go hungry, and the skillful are not necessarily wealthy. And those who are educated don't always lead successful lives. It is all decided by chance, by being in the right place at the right time.Investing slowly but surely is the principle we follow in the Truly Rich Club. It was founded by Bo Sanchez with the mission to help good people become rich- truly rich. So you'll not just be financially wealthy but also spiritually well-nourished. What is your approach when it comes to investing? Are you a more aggressive hare or a conservative "slowly but surely" turtle-style type? The Turtle Always Wins by Bo Sanchez is a book every person who dreams of uplifting their lives should read. It will also encourage and guide you to build wealth and win.Is there a book about investing like The Turtle Always Wins that you can recommend?
Business 5 Small Business Tips To Survive And Thrive During The Pandemic 4:59 PM One moment you're standing firm and steady, and the next, you're grasping at straws. What now?That must be what everyone thought when C O V I D - 19 hit. Especially small business owners. Some companies temporarily closed, and others even filed bankruptcy because of this p a n de m i c. So, how do you pandemic-proof your business?If you're a small business operator trying to survive or wanting to thrive during this time, here are 5 tips:5 Small Business Tips to Survive and Thrive During the Pandemic Tip #1: Put everyone's safety first. If you're a brick-and-mortar business, practice safety protocols. Open the door for your customers to lessen their surface contact.Have alcohol or sanitizer ready at the entrance.Take their temperature and if convenient, have someone ask them about symptoms.Wear face masks (and PPEs if needed) to make your customers feel safe.Disinfect the place regularly.Have your employees checked and tested for C OV ID,Monitor your team's condition. Let them take the day off or work remotely if someone feels sick.Take health precautions seriously. A decrease in productivity is better than the whole business shutting down because of the virus spread. Tip #2: Adapt to change. Be like bamboo. Strong but adaptable. If this crisis has taught retailers something, it is to be flexible. Change with the times. Use modern technology to your advantage. Let your customers find you online. "Grocery retailers have to realize online order and click-and-collect will become 30-40% of their business," Brittain Ladd, Global Business and Strategy Consultant. Here are a few new normals most businesses are adapting to keep their businesses surviving and thriving: Operate with a skeletal workforce.Offer house delivery or partner with delivery apps.Have a pick-up or take-out-only option.Adjust your space to ensure social distancing inside your store/office.Ask customers to give the exact amount.Provide online payment options or cashless transactions.Offer subscription services. A subscription box is flourishing in the health, beauty, fashion, and pet industries.Go digital. Even companies as big as Target are turning to online shopping because of C OVID.Putting up an online shop is not as hard as you think. There are online tutorials you can check. Or you can book a consultation with a digital marketer and plan a strategy. Tip #3: Stay connected with employees. You need your team for your business to survive. Your employees need you now more than ever, so stay connected by ensuring that you have a good internet connection - accordingly, if you are considering switching internet service providers or researching suddenlink internet plans. Other similar packages could help you to find a good fit for your needs.Thank heavens for technology. Working remotely is now possible. Establish a work-from-home option with your team. You have the advantage if you've already created a remote work system before C OVID. However, if you don't have one, don't fret. It's not rocket science. Have a clear work-from-home guideline for your employees. Here are 3 tools you can use for productivity: Slack is an excellent tool for chatting and simple project management. Google Meet, Zoom, and Skype for calls.Trello is a fantastic app for keeping track of your team's daily tasks.Talk about your deliverables---who should do what, and when is it due? Clear communication is the key. More than work, ask your team about how they're coping during this crisis. Offer support. There are free mental health consultations online you can refer them to. Your employees should feel heard. They will take care of your business if you take care of them. Tip #4: Keep your clients/customers in the loop. Like you, your customers are trying to figure out what's going on and where they should go from here. Be their guide. Be the constant and the normal they know they can still depend on. How to communicate with customers while everyone's staying home? According to International Telecommunication Union, over 4 billion people are now using the Internet. That's a whopping 53.6% of the global population! Make sure someone's manning your communication channels. Set up a Messenger bot for FAQs. Have someone check message inquiries.Send emails and/or post updates about new policies, process changes, store hours, or promos.Get their feedback. Ask your customers what they need from you as a business and what changes they want to see.Use social media to share your behind the scene stories with your followers and engage with them.Customers will appreciate your effort to ensure they're still getting the service or product they need, even during this crisis. Be transparent with your company's plans. A well-informed customer is a happy customer. Show them you care and that their needs come first.Don't leave your loyal customers in the dark. Trust goes a long way.Tip #5 Give back. Some companies involve their customers in giving back to the community by asking them to donate. Human Nature offers Pledge a Package wherein you can shop online for natural hygiene kits. They will then deliver these to health workers in different hospitals. Some restaurants offer their kitchen for organizations to prepare free meals. What can you offer? Remember: whatever you give comes back to you a hundredfold. Bonus Tip: Change your mindset!Now is not the time for a victim and scarcity mentality. Now is the time to think out of the box. Your business will not move forward if you stay stuck as the business owner. Condition your mind as it is your most important asset. The more you master your mind, the more you can take control of your business, no matter the circumstances. The resources you have at your disposal or your skills will all go to waste if you have a poverty mindset. Take this trying time as an opportunity to grow your business and yourself. When you feel lost, return to your business's mission and vision. Why did you start? What are your goals? This crisis will end soon. But your business doesn't have to. Use these tips to help your small business survive and thrive during the pandemic. Hang in there. We're in this together. 😉
Business Why You Need To Dress Smart Plus 3 Simple Tips 10:02 PM I have always believed that fashion was not only to make women more beautiful but also to reassure them. Give them confidence. -Yves Saint Laurent Why is it important to dress smart? There's a psychology behind this. Do you notice that people treat you differently if you look more presentable? They seem to be more interested in what you have to say and cater to your need when you look like you mean business.On the other hand, you dress sloppily and some people look at you like "You don't belong here. You're just wasting my time. You better leave."We Heart ItIt's cliche but first impression matters. Especially in business.Most companies have dress codes for their employees. Smart casual, semi-formal, or what we call dressing up.Same with some restaurants, government offices, and other establishments. You can't go in if you're wearing slippers, sleeveless shirts, or tattered jeans.Why is it important to dress well?Here's the sad reality. Society judges you by your appearance first.I don't agree with this superficiality. For in the same way you judge others, you will be judged, and with the measure you use, it will be measured to you. (Matthew 7:2)There are people who get kicked out of luxury shops because they don't look like they can afford anything there.Hey, even Oprah got refused by a Louis Vuitton store once.Gfycat Why You Need to Dress Smart1. You get respected moreQuestion: If you're attending a seminar about financial investment and you get to choose who to listen to, which of these speakers would you pick?a.) dapper man wearing an expensive suitb.) a guy in a worn out shirt and jeans who looks like he skipped showerWhether we like it or not, we are preconditioned to believe or respect more those who look more decent and presentable.When you dress smart, you increase people's perceived status about you. You command respect.(Side note about women dressing for respect: As a woman, I hate it when people blame the victim for getting harassed because "she dressed like she's asking for it". 😤Sexual assault doesn't happen because of the woman's dress. It happens because there's a sick person who thinks it's okay to abuse women.It's never about what the victim is wearing. Stop victim shaming.) 2. You feel more confidentPut even the plainest woman into a beautiful dress and unconsciously she will try to live up to it. -Lady Duff-GordonWhy is it important to dress smart for an interview? Dressing smart helps boost your confidence and makes you look competent.When you dress appropriately, it shows that you're a professional who cares about your appearance and you're serious about your job.Your physical appearance may be a reflection of your inner self, but it also works the other way around. How you change your look affects how you feel inside.I don't know about you but when I'm in my high heels, I feel like I can conquer anything. 3. It shows off your personality Your wardrobe says a lot about you. Style is a way to say who you are without having to speak. -Rachel ZoeDressing up is not about wearing expensive brands. Not everyone cares about the price of your clothes, honestly.What's important is how you present yourself and how refined your look is.Here's how to dress smart in 3 simple ways. 3 Simple Tips on How to Dress Smart1. Invest in the basics.You don't have to spend on designer brands to look smart. Just invest in the basic items. Buy tops with solid colors.Neutrals, pastel, or rainbow colors, choose whatever suits your taste. Choose what makes you happy. Just because you need to dress smart doesn't mean you should look boring.There are versatile pieces like a button shirt top that can be worn as a dress or a shawl that can be converted multi-ways.What's important is that you're happy and comfortable with your ensemble.2. AccessorizeChoose accessories that are easy to mix and match with your outfit. Find statement pieces or those with a classic design.Belts, shoes, pieces of jewelry can transform a basic-looking outfit into a remarkable ensemble.Adding a pop of color can bring a monochromatic drab attire to life.Put importance on finding the right pair of shoes because it can make or break your outfit.3. Blazer Find a good blazer. Blazer completes the smart look.There's something about blazers that make you look like you're serious about business. And it helps when it gets cold in the office too. 😉Choose the right color and the right fit.Blazers are also versatile. You can wear it with your office attire, over a casual or formal dress, or layer your overall look.What's your favorite go-to piece for your smart-casual look? What do you do to dress smart? Share your tips!
Business 4 Outsourcing Tips For Small Business Success 7:00 PM Outsourcing is important for a small business. Business owners can normally run a business alright.But it usually means endless tasks and odds to tackle.Outsourcing enables small businesses to access skilled labor outside of their skillset and frees up time for important things that are within the business scope. Entrepreneurs don't have to worry about their team as there are now reliable employee time tracking tools. These will allow them to still monitor their workers' hours without micro-managing.All in all, outsourcing provides a way for small business owners to focus and become even better at what they do. 4 Outsourcing Tips for Small Business Success 1. Outsourcing Taxes Outsourcing taxes can be an important step in keeping your taxes together in a small business. Many people don't realize how complex taxes can be. If possible, take your taxes to a firm that specializes in small business taxes. Key Tax Group is an experienced firm that understands this.Small businesses can receive many tax bonuses for taking their taxes to the right professionals and get help planning for their quarterly payments. Retaining the same tax group, provided you get great service, can reduce mistakes in your taxes and get your taxes done earlier rather than later. Protect you and your business and find payroll tax debt relief. 2. Hiring Technical Consultants Don't wonder too long if you are trying to hire a financial consultant, like the professionals at JD Edwards Consultants, and think you might take the do-it-yourself route.If you're a startup company, you need to find a consultant to help evaluate your common stock options. Why? Because the IRS requires it. This is where 409a valuations could help. They can help make sure that you have an independent, third-party, place a value on your company/value the common stock with the standard documentation that the IRS wants to see. Other technical consultants you may want to hire are marketing and social media consultants, or a writer and communications consultant. Keeping them outsourced is a way you can retain a polished brand and retain your energy for making sure the brand is consistent within the company. 3. Advertising and Media It can be overwhelming to do all the advertising yourself. Maintaining a website by yourself is even harder. Call an experienced professional and you will find yourself with more time in your week to attend to the influx of customers in your small business. 4. Staging and Events Small business take a lot of staging and event attendance. Trade shows, fairs, bank meetings, and pitch meetings can take up all your time by themselves some of the time! Alleviate the stress by calling a staging professional or a marketing consultant who specializes in events. This is especially beneficial if you are a business that manufactures something. You will have more time for production and a solid sales pitch if you get help staging and attending the event. What outsourcing tips can you give small businesses? Do share in the comments!
Business 11 Amazing Benefits Of Faux Trees For Corporate Landscaping 10:18 PM Artificial plants and landscaping products are available in a wide range of variety. Here’s are some of them: Banyan trees, olive trees, sea grape trees, cedar, cypress, sequoia trees, palm trees, pine trees, and bonsai trees Boxwood plants, peace lily plants, azaleas, bougainvillea plants, yucca plants, silk ivy plants, ferns, cactus plants Orchids, roses, hydrangeas, tulips, cherry blossoms, peonies, and various other gorgeous and vibrant faux flowers 11 Amazing Benefits of Faux Trees for Corporate Landscaping1. VersatileFaux plants and trees can be used for both indoors as well as outdoors landscapes. 2. DurableThe artificial plants and trees are extremely sturdy and durable. They don't break as easily as their real counterpart.3. Weather-proofThey can withstand all kinds of outdoor weather conditions. It doesn’t matter whether you expose the plants and trees to harsh sunlight, excessive rain, and snowfall or even install the plants in a permanently air-conditioned facility. 4. Long-lastingThese plants will not spoil, deteriorate or fade and lose their color. 5. Can be installed in a wide range of commercial and corporate settings Artificial bonsai trees, artificial boxwood hedges, and pretty much all faux landscaping products can be installed in a wide range of corporate and commercial settings. Here’s a list of the places where the faux landscaping products are often installed: Hotel lobbies, hotel parking lots, restaurants, coffee shops, cafes, water parks, theme parks, amusement parks, and art galleries Office buildings, office pantries, office parking lots, office cabins, meeting rooms, conference rooms, trade shows, exhibition centers 6. Fire retardant faux landscaping products for your safety People are often apprehensive about installing faux landscaping products in their projects because artificial plants and trees are susceptible to catching fires.You don’t need to worry about your corporate space going up in flames. The manufacturers of these landscaping products impregnate the raw materials with fire retardant chemicals.These chemicals keep your corporate space danger-free. 7. Require minimum maintenance and care The artificial landscaping products are easy to maintain. Unlike real plants the faux plants do not require regular watering, trimming, pruning, and fertilizing. A simple spray of water on the plants is enough to keep them dust-free and looking brand new and lush green. You will not need to hire a professional gardener to provide care and maintenance for the plants and will end up saving tons of money on a monthly basis. 8. Cost-effective and affordable products Faux trees and plants are affordable. They can be purchased in large numbers for massive-sized corporate spaces without creating a dent in your savings. The faux landscaping products are also available wholesale. 9. Lightweight and easy to move around They can be transported easily because they're light. No need to hire laborers for large sums of money to shift the plants from one space to another. 10. Easy delivery and installation process They can be delivered right to your doorstep. The installation process of the plants is also easy and simple. For those who want a professional to get the installation completed, the manufacturers and sellers have a team who will complete the entire landscape for you. No need to hire landscaping artists who charge a lot. 11. Can be used and re-used as per requirement They have an extremely long shelf life.Faux trees can be used and re-used many times. When not in use, they can be stored away easily. An event planner or a wedding planner can invest in the landscaping products to use in the décor of their event. Once the event is over, they can store the plants away until the next event or function. If you wish to install a landscape in your corporate space, installing these faux plants would be a great idea. These plants give the surroundings a vibrant, colorful, and visually pleasing vibe that can help motivate your staff in their work.
