Saving, investing and making money with technology

Author: Anna Johansson

How Much Emphasis Should Your Company Put On Marketing?

As you’re trying to navigate the world of business, one of the questions that you’re going to run into eventually is how much emphasis to put on marketing. It is a very difficult balance to strike. It may feel like you are spending a lot of time and energy on marketing to get no return on your investment. But on the other hand, if you don’t put any money in at all, it’s doubtful that your brand will remain competitive because other companies are willing to put their resources into that realm.

As you’re trying to figure out what kind of emphasis makes the most sense specifically in your context, there are several concrete steps for you to take, especially if you’re in a business management role. First of all, you need to create a marketing team. Their sole purpose needs to be to figure out how much of what kind of marketing makes the most sense. 

Second, you need to utilize social media for business. The savvier you are on the major platforms, the less you have to spend on other types of less effective marketing. Third, utilize general accounting principles. If you recognize the importance of the accounting equation when it comes to the results of marketing, you can make much better managerial decisions.

The Creation of Marketing Team

Before you can answer the marketing question, you have to take some steps toward the creation of a marketing team. Your marketing team can either come from within your own ranks, or you can hire new people, or you can outsource the entire team. There are pros and cons all of these methods, so it’s important to recognize that the decision you make will create a pretty big ripple within your company’s structural framework. Recognizing this, extensively research your options before you make a final choice.

Social Media for Business

Every brand and every company should be using social media for business. It doesn’t matter if you agree with the concept of social media. Your name should be on there. Even if you aren’t particularly interactive, you need to have profiles on all the major sites so that when people search for you through social media engines, those engines at least point toward your central website.

Use Your Accounting Principles

How familiar are you with the accounting equation? If you’ve never heard of it before, or if you’ve never used it before, then you’re going to have a hard time with your marketing decisions. You have to recognize where assets, liabilities, and equity fit when it comes to marketing overhead because that’s the only way you’ll be able to figure out down to the very teeth of the matter whether your marketing efforts are worth it.

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Make More Money By Granting Your Business These Technology Boosts

Operating in the technology era means that your tech game needs to be on par at all times to keep up with the pace of your competition.  That means inside of the office and online, your professionals should have access to the latest and greatest technology has to offer.  

Get your mind in the right place, and delve into what tech has to offer business.  Here are a few ways your business operation can make more money by granting your professionals these tech boosts.  

Make certain that you optimize your business website

Take note of the current state of your business website, and figure out how to make it better.  Check your SEO usage. Check your traffic analysis, and then begin working to bring more life to your business website.  

Try adding a “Blog” section to your business website, and post relevant topics for readers to enjoy.  For example, this legal firm for personal injury cases posted this informative, relevant post about something pertaining to law.  

Invest in the best accounting software for finances

The way your business handles its money will make a significant impact on the longevity of your operation.  Without proper money management, you won’t get far.  

Investing in the latest and greatest accounting software is well worth the cost of purchasing said software.  Look into what Quickbooks or Freshbooks can do for your business, and give your accounting department a heads up on disorganization.  

Provide mobile devices for remote communications

Communication is one of the most valuable assets of a well-run business operation, and remote communication with your employees can be essential.  If you have the ability, it makes sense to arm your professionals with mobile communication devices.  Simple wi-fi capable tablets, iPads, or smartphones will be sufficient to keep the team in contact at all times.  

Make certain your in-office computers are top notch

When your professionals are in the office, make certain that they have the best tools possible to do their jobs.  Update your office computers often, and maintain the machines by keeping them properly secured/protected from cyber attacks.  

You don’t need business computers riddled with spyware, bugs, and viruses.  Build your firewall strong enough to keep out the unnecessary challenges while in the office.  

Invest in high-quality cyber security for everyone

As was just mentioned above, you don’t need the challenge of combating petty spyware, bugs, and viruses in the office.  It’s worth the added cost to invest in top-notch digital security software for every computer in your office.  

Your professionals will deal with important data, sensitive operational subjects, and other vital information pertaining to your business on their computers.  Don’t give those who would see it all ruined an opened door by overlooking the issue of cyber security.

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5 Ways To Make Money Online

Making money online is much easier than you may think.  Digital technology is a large part of today’s culture, and there’s no reason you shouldn’t capitalize on the fact.  The internet grants individuals a whole new world of opportunity.  

If you’re a stay at home mom/dad looking for a way to make a little extra cash, all you need is a computer and access to the internet.  No matter the reason for the need, you can find a niche that pays on the internet.  

Check out a few useful suggestions for digital employment, and start making extra money online today.  

Take a shot at luck 

Gambling isn’t physically available everywhere you go, but you can always take your chances digitally.  There are many ways to legally make money through digital forms of betting and wagering.  

If you’re interested in the sport behind betting, try your hand OTB horse betting.  Off-the-track horse betting can be a lucrative action, but you’ll want to research what you’re doing first.  Don’t jump into the betting process until you feel confident that you can make wise decisions.  

Use your skills online

The web is a great place to capitalize on the skills you have acquired throughout your life.  If you’re proficient at writing, you can seek out a freelance writing opportunity online.  

You may also pursue editing if you feel you have the eye for error.  Photographers can make money selling their art on sites like Shutterstock and iStockPhoto.  

Whatever the case may be, you can pursue an option to make money doing what you love.  You’ll just have to do some digging. The good news is that you likely will find something that parallels your skillset.  

Organize your own digital yard sale

If you have lots of extra stuff, then you can make money working a digital yard sale.  Sites like Craigslist, eBay, and Amazon provide the perfect platform to relinquish your clutter.  You never know, you may have something very valuable lying around the garage.  

Take surveys and reap the benefits

If you have plenty of idle time on your hands, you could turn it into cash by scrolling through surveys.  Businesses and other operations run from the information they collect from various surveys.  They need to know what the target consumer really wants, so they can cater to it more efficiently.  

Be an online tutor

Your brain may be your best asset, and the web is a great place to capitalize on your brilliance.  There is a huge demand for online tutors in nearly every subject you might imagine. Music tutors, general education tutors, etiquette tutors, and whatever else you may need can be found online.

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Going Mobile: The Best Financial Advice You Can Follow

When it comes to your business pursuits, some of the best financial advice that you can follow will involve going mobile. And there are all different sorts of ways that you can include this mobility concept into your next business project or next business plan. Mobility has always been a good thing. But these days, it has taken on an entirely new dimension because people have very powerful processors in their pockets, and cell phone and Wi-Fi conductivity is blazing fast


As far as financial advice goes, think about the following reasons to improve your business’s relationship with the idea of mobility. The changing world means that business activities have to change along with it. Particularly when it comes to mobile conductivity, this should give you a good indication of the best direction for your professional pursuits, projects, and ventures.

Another benefit of mobility is the fact that you can have attention on your product from anywhere, and you can also promote your product from anywhere. Third, professional mobility allows you to streamline your projects in a way never before possible. Especially with specific styles of project management software, you have the same access to powerful tools wherever you are.

The Changing World

When it comes to business requirements and business processes, the world has changed drastically in the last five years or so. The mobile revolution has hit hard, and this is largely been a positive benefit for the businesses who are willing to leverage this opportunity and adapt to current circumstances. Making your business more mobile means that you can take advantage of all of the latest technological improvements, and you can also be a part of the cultural landscape that is shifting to a freer society.

Attention From Everywhere

Attention spans are tiny. That means to continue improving your professional services, you have to be able to grab people wherever they are. This means mobility is an essential part of every new business’s functional promotions and advertising. Plus, if your resources are more mobile, you can log in to various networks and promote and advertise your products and services while you are away from your home base. Many companies now even appreciate that they don’t have to have employees come in and sit at the central desk area. Everything is on the go!

Streamlining Your Projects

When you install project management software, that adds your company’s mobility as well. If everyone is connected to a central cloud server, that means everyone gets real-time updates whenever anyone posts anything. Because of this, the internal structure of a company is rapidly adaptable, and much better decisions can be made on the fly.

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Is Franchising the Perfect Choice for You?

It can be tough trying to make money in the world the way it is today. As an intelligent adult, you probably think through lots of different options. And one that may eventually come up is that you can think about if working with franchises is an excellent choice for you. Lots of people have made hugely successful careers out of franchising opportunities, but there is a lot of hard work and effort that goes into it, and there is a degree of luck that enters into the equation as well.

Within the realm of franchising, there are many different options. You can buy a franchise. You can start a franchise. You have to be very specific about the details of business planning when it comes to any of these franchising decisions. And then there’s also the matter of working with franchises on the side, rather than being directly involved in the purchase or sale of them. It is difficult to put just a little bit of money into a franchising opportunity though, so the investment can be significant, even if you are just trying it out.

Buying a Franchise

So how do you buy a franchise? Typically, you will do some research to find out what opportunities are available in your area, and then you will contact a representative about what it takes to use a franchise name. It is a licensing arrangement, but then you will have all of the infrastructure built in for you. If you don’t want to start a brand-new business on your own, utilizing franchise opportunities is a good way to do many of the same things without quite as much of the risk.

Starting a Franchise

If you want to start a franchise, that’s a slightly different perspective to take. Buying a franchise, you are hanging your hat on the brand that already exists. Starting franchise means they you have a brand, and you want to license it out to other people. The details are entirely different in this kind of franchising work, but the opportunity to make money explodes as long as you are appropriately organized.

The Details of Business Planning

Especially with franchises, make sure that you have your business plan filled out and set up. At least with franchising, you have a few static numbers to work with, so you won’t be totally in the dark about where to start as far as a financial template.

Working with Franchises on the Side

As a final option, you can work with franchises without actually buying or selling them. In other words, if you know someone or are involved with a company that does franchising, you can simply work as a contractor for them on the side. This sort of relationship can be less intense than trying to immerse yourself in franchising details completely.

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3 Upgrades That Will Make Your Rental Apartment Worth More

If you’re investing in real estate, it’s wise to do everything in your power to ensure that the property you’re renting out will give you the best return on your investment. With apartment rentals, this usually means doing a few upgrades that can make the unit more appealing. However, there’s a fine line between doing upgrades for investment purposes and over-investing in the property.

To help you in walking this line, here are three upgrades that will make your rental apartment worth more.

Give The Place A New Coat Of Paint

While it might seem like something too easy to even bother doing, adding a fresh coat of paint to your rental property can be a great way to make things like brand new. And, if you do it right, you can get some great quality paint without too much of a financial or time investment.

According to Jimmy Moncrief, a contributor to, this upgrade will be most cost effective for you if you’re able to get a discount on a bulk order of paint. By doing this, you’ll be able to paint however many units you have and all the rooms within them in the same color. One of the benefits of this is that, if and when the time comes that a room or entire unit needs a touch-up, you’ll have the exact paint on hand to make those quick fixes.

Increase Energy Efficiency

Another way you can make your rental apartment more valuable and worth more to your current and future tenants is to make upgrades that will result in your units getting more energy efficient.

There are countless ways that you can make a space more energy efficient. According to Erin Eberlin, a contributor to The Balance Small Business, one of the best things you can do is to add windows where possible and replace any windows that aren’t energy efficient. By doing this, you’ll create more natural light that will help to heat the unit. And by putting in double pane windows, there will be more insulation during all seasons of the year.

Replace Hardware and Fixtures

To increase the elegance of your rental apartment, an easy and inexpensive option is to replace some of the hardware and fixtures throughout the unit. These small changes can really make a big difference in the space.

According to Kirstin Wong, a contributor to The New York Times, some of the best replacements to make include switching out cabinet handles, upgrading light fixtures, putting in a new faucet, and replacing light switch plates. These new details can make your unit look much more sophisticated.

If you’re wanting to make some small but impactful upgrades to your rental apartment, consider using the tips mentioned above to find the projects that will give you the best return on your investment.

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Investment Strategies for High-Demand Services

Going into business in a high demand industry is a double-edged sword. Because so many people need what you do, there is an understanding that there will always be work. However, since it’s not a secret that there is always going to be a work, that means lots of different businesses are going to be vying for the same clients and customers. So even though you have a large potential group of people who will utilize your services, you have to make sure that something about your business model brings them to you instead of your closest competitors.

One way to solve this riddle is by choosing appropriate investment strategies to give yourself that advantage. A few examples of these investment strategies will illustrate this point. No matter what your industry is, you need to be able to leverage social media to your advantage. Invest in learning social media and invest in promoting and advertising through social media channels.

Next up as an investment strategy is to put money into the curb appeal of your building. Even if appearance has nothing to do with your actual product or service, it is a competitive advantage to have a more aesthetic layout to your business operations. Lastly, if you have a digital footprint, you might as well invest in it being good. And to do this, you have to learn how to optimize your blog space.

Social Media

Using social media for your business may be very foreign to you. Especially if you learned how to run and manage your company a decade or so ago, trying to figure out how to put it within the realm of the social media infrastructure that people are used to now can be quite exhausting. However, once you understand the basics of each platform, you should be able to develop a consistent plan for getting your message out there. If you are at a loss of how to start, simply look at what your competitors are doing.

Curb Appeal

As far as investments go, you can’t go too far wrong by putting money into curb appeal. Especially if your building is somewhere that has high visibility, one of the great ways to attract new clients and customers is to have a welcoming-looking entryway. Make sure your landscaping gets done. Make sure your parking lot is clean and well-maintained. Ensure that the exterior of your building always looks as good as possible, and that will give people a reason to come and check you out even if they aren’t sure that you have the type of product or service that they want.

Optimized Blogs

If you have content online, you might as well optimize it for search engines. Again, if this is unfamiliar territory to you, you should spend some time researching how to do search engine optimization, and what kinds of results you can expect from what types of effort.

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Why Everyone Should Have Emergency Savings Put Aside

You’ve probably heard from money experts that everyone should have an emergency fund.    Far too many people rely on their credit cards or assume they can borrow money if they’re really in a pinch. However, having an emergency fund put aside is much more reliable than putting yourself into debt or burdening your family.

You should have at least a few months salary put aside to protect you and your family if things go sideways.  Here are some of the biggest reasons why you need to have an emergency fund put aside.

Job Loss

You never know when you or your spouse can suddenly find yourself unemployed.  Whether you’re injured on the job, or the company wants to make sudden layoffs.  In order to ensure that you can take care of your family, you should always have at least several months salary on deck.  

Putting enough money aside to have several months salary in savings may mean having to give up certain pleasures for a while.  However, the peace of mind knowing that you and your family is taken care of if you don’t have any money coming in is worth it.

Home Repairs

You never know what can happen when you own your own home.  A pipe can burst in a split second, or a tree could fall on your house.  As a homeowner, it’s up to you to cover the damages.

Usually, repairs don’t come cheap either. Therefore, having a significant amount of money aside is helpful to ensure that you can pay for the damages, whatever the price.

Car Troubles

Cars are tricky things.  One minute they’re running fine, and the next minute they’re breaking down on the side of the road.

You can never be sure when the car is going to let you down, regardless of how old it is. Having emergency savings means that you can pay for any unexpected repairs without worrying about going broke.

For many people, their car is essential for them to be able to go to work and take care of their family. Therefore it’s critical that if something comes up, you can fix it.

Medical Problems

No one wants to assume the worst can happen; however, things can come up suddenly with our health.  While insurance may cover some of the bills, it won’t cover everything.  Savings makes it possible to cover the medical costs for you or your loved ones should something serious happen to your health.

Unexpected Costs

Unexpected costs can come up when we least expect. Whether it’s last minute travel or having to replace a broken appliance.  Miscellaneous emergencies can happen at any moment. Your emergency fund is there to make sure that you’re covered.

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5 Biggest Mistakes That People Make With Their Money

Making mistakes with your finances along the way is normal.  You may experience moments of desperation, or act without thinking things through every time.

Mistakes are fine as long as you learn from them.  Although they aren’t always easy to clear up, financial mistakes are an opportunity to learn something valuable.  Here are some of the most common mistakes that people make which you may be making too.

Failing To Plan For The Future

When you’re young and carefree, you’re probably not thinking about your retirement or potential illnesses.  However, as you get older, these things will start to become more of a reality.

It’s important to plan for your family’s future by putting aside savings and getting life insurance such as the ones from Pretected.  That way you know that your family is well cared for if anything should ever happen to you.

Late Payments

Each time that you’re late on a payment, it goes onto your permanent record.  As a result, you may find yourself trapped in a vicious cycle that you can’t get out of.  The more late payments that pile up, the longer that it takes to clean up the mess.

Late payments result in lowered credit scores, costly penalties, and unnecessary stress.  Always make your payments a priority by paying on time every single month.

Using Too Much Credit

Your credit card isn’t there as a source of free money for everyday expenses.  It’s there for emergencies or large expenses which you want to pay in several installments.

Don’t get yourself into a mountain of debt by running your credit card like it’s cash.  You won’t just have to pay it back, but you’ll be expected to pay it back with interest attached.  Experts recommend never going over 30% of your total credit limit at a time.

Failing To Plan For Unemployment

If you are unhappy with your job and decide to quit suddenly, it’s a disaster waiting to happen if you didn’t properly plan for it. You should only quit once you have a backup plan in place, or have saved an adequate amount of money to keep you going in the meantime.

While there’s nothing wrong with taking a dive and trying out a new career, it’s essential that you do intelligently.

Failing to Budget

People who have a budget have a strong handle on their finances.  Without a budget, it’s impossible to organize your money in order to reach your financial goals.

Create a budget and try to stay as consistent with it as possible.  Otherwise, you’ll lose track of where your finances are going and potentially miss out on opportunities.  People who plan ahead and think about the future usually meet the greatest financial success.

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