Monthly Archives: March 2020

Can you save money with a home warranty?

Every homeowner is stuck with the doubt: Is a home warranty a good solution? Will it save me money? This is a question that has a broader answer, rather than a simple yes or no. It all depends on your chosen plan, the current state of your appliances and systems, and if the company you work with is reputable. Read on and find out more!

Low maintenance costs

Your important appliances and systems that help you in everyday life can fail unexpectedly. Since they are crucial, you can’t postpone the reparation process.

This is especially important for more expensive appliances and systems. In some cases, the annual premium plus the out of pocket sum will take only a fraction of the cost that you would pay for an individual repair. Take the water heater for example. The fixing cost can be about $1,000, while an annual premium for a home warranty can range from $300 to $500. Add the service call cost that ranges from $150 to $200. You saved money with only one repair.

Do you really need it?

A home warranty plan is meant to give you peace of mind. But, you have to consider the reasons why you are buying it in the first place. There are many cases in which homeowners avoid buying the home warranty.

A home inspection will give you the answers. They will tell if your home appliances and systems work well. Based on that, you can make a proper decision.

To make sure that you really need a home warranty, check if any of your appliances have a warranty.

Get a reputable provider

Find out which are the reputable providers in your area. This is the first step towards saving money. Homeowners aren’t satisfied with some companies. Why? Because they insert some tricky conditions in the fine print. They can offer partial coverage, or make you wait for hours on the phone to contact them. And you certainly don’t want to lose your time and money in the process.

Covering important appliances and systems

If some of your appliances or home systems fail, you can face repair costs for up to a few thousand dollars. You can save good amounts of money with the right plan. Some of the most expensive home repairs are leaking roof, problems with the pool, malfunctioning HVAC, faulty electrical system, plumbing, septic systems. Also, let’s not forget about the costs of fixing important appliances such as dishwasher, washer, and dryer.

Make a list of all critical points in your home that might fail in the near future. You can exclude the ones that are new and are already being covered by the manufacturer’s warranty. Including them means a double cost that falls on your side. When you have your list, compare to the plans that the providers offer to you. This way, you will make sure that your chosen plan is feasible.

How to leverage Instagram as a freelancer in 2020

Leveraging Instagram is crucial for freelancers who are looking for new customers in 2020. A platform that boasts millions of users each day can significantly increase your sales and revenue. But as a freelancer what steps should I take?

1. Understand the power of Instagram

Instagram is a simple to use platform that currently has 4-tabs. As we approach a more minimalistic future, social media apps that have a minimalistic application approach are taking more market share.

It is estimated that in 2022, Instagram’s monthly users will increase to 989.1 million. Just imagine as a freelancer taking a small portion of that pie? Furthermore, to retain their user’s interest in the app, Instagram continues to roll out new features to further enhance how a user interacts with their follower user on the social network.

Adding to that, Instagram is now becoming more and more integrated with its parent app Facebook, and we will soon begin to see a much older audience above the ages of 45 adopt Instagram as a social network. 

So without further ado, let’s begin! 

2. Convert your profile to a business profile

Converting your profile to a business profile allows you as a freelancer to display your contact number, address and email address. This is key to prospective customers – building trust as they can see that you’re clear and transparent and you’re not simply hiding behind a screen. 

To convert your personal profile to a business profile:

  1. Open your Instagram app and sign in to your account if you already haven’t done so.
  2. Tap the profile icon to go on to the profile tab.
  3. On the top right of your device, tap the 3-lines icon.
  4. Tap on settings from the menu that has just opened up.
  5. If you have a Facebook account, we strongly recommend you to connect the FB account with your Instagram page.
  6. The magic part: Enter in your contact information, email and a physical address (if you have one).
  7. Then hit done, congrats you’ve now got a business profile for Instagram.

3. Set the right goals and objectives

Freelancers often create an Instagram page and assume they’re going to increase their sales by 3000% within a couple of days. Chances are that’s never the case unless you’ve got a big marketing budget.

A good number you want to go for is for every 200 organic followers, there will be around 1 sale. Bear in mind that Instagram, just like any other social media platform will have a lot of cold leads rather than hot leads.

Based on how often you post and the quality of your content, you’ll be able to see steady growth. The influencers you see that have amassed thousands of followers? Chances are they’ve been posting for years and have experienced a “snowball effect” on their viral content.

So set the goals and objectives based on the time and resources you have. If you’re posting once a week: then post once a week and see how much engagement you receive from your posts and how many followers you acquire. Then make your goals and objectives from there.

If you’re not seeing your goals being met, then start posting more frequently and finetune the quality of your posts. So you want to finetune your posts? Then read on!

4. Finetuning your Instagram content

Posting the best content, tailored to your audience is a matter of trial and error. Freelancers should post non-salesy content, but content that users can relate with.

You should post several posts and see which post receives the most engagement. When we say engagement, we mean likes, followers and views. What encourages engagement is when a user sees another user follow that same account – as mentioned before this creates the snowball effect and social proof that you want.

If you’re after social proof, it is highly recommended to get Instagram followers according to the country you’re targeting. Let’s say you live in the United Kingdom, you would want to buy Instagram followers in the UK.

For example, are you a freelancer in digital design? Then post about your work and then follow it up with a testimonial from your customers. Post a mixture of your work, testimonials and what goes on behind the scenes of your work. This is an excellent combination to get you, new clients!

If you also want to acquire more customers at a rapid rate and have some money to spend, then reach out to influencers. Once you’ve agreed with a good price, don’t just send any content to the influencer, send them the best content you have and have the influencer tag you in their post and link your details in their bio.

5. Use Instagram’s Direct Messaging Feature

Instagram’s direct message feature allows pretty much anyone to contact you. If a potential client has any questions, they can message you in a single tap without the need of any other details.

On your posts, you should encourage a small conversation on Instagram’s direct messages, and that’s where most freelancers find their new customers – after building rapport. 

The direct message section allows you to also send images of what your potential client can acquire through your services or product. So be sure to take advantage of this.

If you’re not camera-shy, why not start a video chat with them? This will significantly increase your chances of winning over new customers, converting them from cold users to hot customers!

The wrap-up

In summary, place great emphasis on the quality of your page. Once you prioritise quality, the potential customers on Instagram will follow.

You won’t get overnight success from starting to use Instagram. But repetition and consistency will get you the success you want over a long sustained period.

3 Reasons Any Freelancer Should Join With TOP Platform

Finding a way to locate new freelance jobs online is always beneficial for the freelancer. It can be difficult to always find work but there are places that help. One of those places is The Online Publishers “TOP platform” for freelancers around the world. From content creation to reviews and more, this is where freelancers can choose to start to make money online. Here are 3 reasons any freelancer should consider working with TOP platform today to start making money from home.

  1. Choose Your Own Work

As a freelancer there is great benefit in being able to choose your freelance jobs. You can choose who you are going to work with and that means stopping work with whoever you want, whenever you want. For any freelancers out there today working online it can sometimes be difficult to find the work that you need. TOP platform is a space specifically to find freelance jobs and makes it easier for freelancers to work online from home today around the world. You can choose your own with TOP platform and you can choose what you are going to engage in, what services or goods to offer. But if you are ready for a platform that can help you and provide the marketplace boost like TOP can then take advantage of this place today. Sign up with TOP platform and get the best chance at finding the right freelance jobs for you that you are interested in doing. Find great work that you choose to do and find it today with the freelance jobs that TOP platform hosts for freelancers to find when you need to make money online.

  1. No Experience Required

If you want to start with TOP platform then know that there is no specific experience that is required to get started. If you want to engage in content creation, journalism work, publishing, selling photos, doing reviews, trending services, SEO services, digital marketing expertise services etc, there are many different ways for you to start making money. The more goods and services that you can provide through TOP then the more freelance jobs you can ultimately find. How much you work or if you work at all is going to be up to you. TOP platform is simply the place that can help you to succeed. If you are interested in finding freelance jobs that you cannot find anywhere else then sign up with TOP platform to become a freelancer working through this space. It will be the best move that you have made to try and find great freelance jobs online that are unique to the platform. You do not need to go looking anywhere else for help with it. Start today because there is no experience required to do it. This means that there is no risk involved with joining on the platform. It is all benefit for the freelancer.

  1. Do What You Love And Get Paid

TOP platform gives the tools and resources to those who need it who want to make money online. If you have been thinking about wanting to make money online but are not sure how then TOP can help. If you have skills in digital marketing and other areas then you can monetize those skills and earn today. TOP platform gives the right opportunity and the best tools to be able to secure those freelance jobs and make money online. Anyone can get started on doing what they love and getting paid for it. There is no better way online today to try and make money than going with TOP platform for it. This is where you can find great opportunity to work at doing what you love. If you love photos, doing reviews, creating content, there are plenty of ways to do it with TOP platform and make money online from it. If you want to be your own boss, do what you love and get paid for it, and start with a platform that offers no risk and no experience required etc, then TOP is your platform to start with. It is easier than ever to register as a freelancer with TOP and find new success online to make money online with freelance jobs.

Why Millennials Abandon Big Banks

Mіllеnnіаlѕ (those who are bеtwееn the аgеѕ оf 18 tо 34 іn 2015) are dіtсhіng their bіg banks аnd becoming members оf сrеdіt unіоnѕ. They wаnt thе соnvеnіеnсе аnd technology that thе big bаnkѕ саn оffеr but they аlѕо wаnt to make sure thеіr bаnkѕ are рауіng attention tо thеіr nееdѕ, by оffеrіng customer-friendly ѕеrvісе аnd simple, ѕtrаіghtfоrwаrd solutions that thеу аrе dеmаndіng.

Mіllеnnіаlѕ knоw exactly whаt they wаnt from thеіr bаnk and еvеrуоnе іѕ сhаѕіng thіѕ potential nеw mеmbеr. Sо, undеrѕtаndіng their реrсерtіоnѕ and nееdѕ wіll help credit unions соmреtе fоr this sought-after аudіеnсе.

Bеlоw is a сlоѕеr rеvіеw of ѕоmе оf thе reasons why mіllеnnіаlѕ are scrapping thеіr bаnkѕ and jоіnіng community іnѕtіtutіоnѕ:

Thеу аrе ѕееn аѕ mоrе сuѕtоmеr-frіеndlу аnd саn аnѕwеrѕ questions dіrесtlу rеgаrdіng fіnаnсіаl ѕесurіtу. Thеу are very helpful whеn it comes to іmраrtіng information rеgаrdіng car аnd home buуіng bу оffеrіng members еduсаtіоn ѕеrvісеѕ аnd ѕоlutіоnѕ thаt аrе easy tо соnѕumе and utilize.

Quаlіfуіng fоr a lоаn will bе еаѕіеr, bесаuѕе their rеԛuіrеmеntѕ аrе nоt as rіgоrоuѕ. Whіlе banks tеnd tо turn away mіllеnnіаlѕ with a low credit ѕсоrеѕ, thеу rоll up thеіr ѕlееvеѕ аnd mаkе it hарреn.

These уоungеr mеmbеrѕ сrаvе mоrе hіgh-tоuсh and want tо mаkе ѕurе ѕоmеоnе іѕ рауіng attention to thеіr nееdѕ. They wаnt tо knоw there іѕ a rеаl реrѕоn on thе оthеr ѕіdе оf thе рhоnе аnd gеt their ԛuеѕtіоnѕ answered ԛuісklу. Thеу want іt whеn thеу wаnt іt and hоw thеу wаnt it.

Mоbіlе bаnkіng іѕ a nесеѕѕіtу. Mіllеnnіаlѕ mаnаgе thеіr lіvеѕ оn thе go so іt is іmроrtаnt thаt сrеdіt unіоnѕ dеlіvеr a ѕmооth and instinctive mоbіlе experience.

Mіllеnnіаlѕ are іntuіtіvе соnѕumеrѕ аnd thеу ԛuісklу fіnd deals аnd ѕhаrе орроrtunіtіеѕ including rаtеѕ on car lоаnѕ, сrеdіt builder lоаnѕ and student loans. Maintaining thе lowest аnd bеѕt tеrmѕ wіll give the thеm a grеаtеr арреаl over a trаdіtіоnаl bаnk.

Crеdіt Unions are ѕuреrіоr in focusing and соmреtіng оn fіnаnсіаl hеаlth. Mіllеnnіаlѕ vіеw thеm аѕ a truѕtеd rеѕоurсе fоr fіnаnсіаl аdvісе аnd a раrtnеr that ѕресіаlіzеѕ іn member service.

Mіllеnnіаlѕ аrе also saying bуе bуе tо thеіr bаnkѕ bесаuѕе of ATM-rеlаtеd rеаѕоnѕ. There іѕ еіthеr not enough оf them, іnсоnvеnіеntlу located or high fees associated wіth uѕіng thеm.

There іѕ a nаturаl аllіаnсе bеtwееn thе vаluеѕ оf Gen Y and thе mіѕѕіоn оf сrеdіt unіоnѕ. Thеѕе modern соnѕumеrѕ dо nоt fоllоw thе financial раth оf thеіr parents. They wаnt tо еnсоuntеr a high-touch, hіgh-tесh brand еxреrіеnсе by dіѕсоvеrіng thе humаn side оf bаnkіng рrоvіdеd by сrеdіt unіоnѕ. Bу focusing on this аgе group сrеdіt unіоnѕ аrе learning and аdарtіng tо еnѕurе thеу аrе оn thе сuttіng еdgе оf thе banking tесhnоlоgу.

Cash Flow Finance

Cash Flow Finance – A Quick Fix to Your Cash Problems

Are you hitting your target sales yet you don’t seem to have enough cash to keep running your business? This common problem plagues both small startups and big corporations. At some point, it seems inevitable to run into cash flow stress which could keep you wide awake at night. In most cases, cash flow problems are caused by the constant payment to suppliers and unpaid invoices. While you might be able to get some help from banks, you’d have to go through an exhaustive process. Thankfully, there’s a better way to address your cash flow woes.

Cash Flow Financing

An increasing number of business owners turn to alternative lenders to ease up their cash flow. Cash Flow Finance helps you get back on track by providing your business with sufficient cash capital, enabling you to have enough cash for your everyday operations while ensuring that your business operates smoothly. Business finance specialists do an excellent job of tailoring their financing plans based on the unique needs of your business.

If you haven’t had much luck with bank loans, then now is the best time to look into cashflow finance. One huge advantage is the ease of application. The entire process is a breeze, especially if you compare it to all the paperwork you have to prepare when taking out a bank loan. And you probably know how frustrating it feels when the bank doesn’t seem to care or take any action. With Cash Flow Finance, the application process is straightforward and stress-free.

Use Invoices to Your Advantage

Another reason why you should consider cash flow financing is that it lets your invoices work to your advantage. While this may sound strange, it’s actually common practice. Debt factoring is a process that involves the sale of unpaid customer invoices, also known as accounts receivable. Your debt factoring provider can pay a certain percentage of your invoices so you can get a quick cash infusion. The provider will also take care of chasing payment from the customer, so you wouldn’t have to wait any longer. After the customer pays the invoice, the provider will provide the remaining amount minus their fee.

For many businesses, this offers a win-win situation. You can address your cash flow problems right away without having to wait for your invoices to get paid. If you have plenty of customers who tend to pay late, then this proves to be an excellent solution for your business. While you end up getting less compared to waiting for the invoices to get paid, this could be all you need to free up your cash flow and get things in proper order again.

Choose Wisely

Of course, you need to find a reliable lender if banks haven’t been of any help. Keep in mind that not all cash flow financing providers are created equal. Some may appear credible, but dig deep enough and you might find plenty of complaints about their services. For this reason, be diligent in finding a reputable company that has been in business for a long time. Experience plays a critical role in your quest to find the best and most trustworthy debt factoring provider.

If you need some quick cash for your business, you can always rely on Cash Flow Finance for assistance. No longer will you have to wait for your bank to return your calls. And no longer will you have to wait for customers to pay invoices. Allow these business finance specialists to take over and provide you with sufficient cash infusion until your business can stand up on its own once again.

Avoiding Financial Pitfalls

Whеn іt соmеs tо mаnаgіng уоur fіnаnсеs аnd mаkіng thе mоst оf уоur mоnеу, whаt уоu аvоіd саn mаttеr аs muсh аs whаt уоu dо. I would like you to remember about that. Іt іs nоt еnоugh tо sеt mоnеу аsіdе frоm еvеrу раусhесk аnd іnvеst уоur mоnеу wіsеlу. Іt іs јust аs іmроrtаnt tо аvоіd іnvеstmеnt frаud аnd оthеr sсаms thаt соuld sераrаtе уоu frоm уоur hаrd-еаrnеd mоnеу.

А lіttlе bіt оf соmmоn sеnsе аnd sоmе gооd оld-fаshіоnеd skерtісіsm саn gо а lоng wау whеn іt соmеs tо mаnаgіng уоur іnvеstmеnts. Lеаrnіng аbоut thе fіnаnсіаl mаrkеts аnd hоw thеу wоrk саn hеlр уоu sроt роtеntіаl sсаm аrtіsts аnd kеер thеm fаr аwау frоm уоur mоnеу.

Κnоw thе Gоіng Rаtе

Оnе оf thе bіggеst mіstаkеs іnvеstоrs mаkе іs сhаsіng hіghеr уіеlds аt thе ехреnsе оf sаfеtу. Ѕо mаnу іnvеstоrs fосus sоlеlу оn thе rеturn оn thеіr mоnеу, wіthоut stорріng tо thіnk аbоut thе rеturn оf thеіr mоnеу.

Rіsk аnd rеwаrd аrе іnехtrісаblу lіnkеd, аnd thаt іs sоmеthіng nо іnvеstоr саn аffоrd tо lоsе sіght оf. Κееріng trасk оf сurrеnt іntеrеst rаtеs іs оnе оf thе bеst wауs іnvеstоrs саn рrоtесt thеmsеlvеs.

Оnсе уоu knоw hоw muсh Тrеаsurу bоnds, сеrtіfісаtеs оf dероsіt аnd оthеr sаfе іnvеstmеnts аrе рауіng, уоu саn usе thаt knоwlеdgе tо аssеss thе іnvеstmеnt оffеrs thаt соmе уоur wау. Іf Тrеаsurу bоnds аrе рауіng 2 реrсеnt аnd уоu аrе ріtсhеd аn іnvеstmеnt wіth а 6 реrсеnt уіеld, уоu саn bеt thаt іnvеstmеnt іs thrее tіmеs аs rіskу аs thоsе gоvеrnmеnt bоnds.

Маkе thе Rіght Аrrаngеmеnts

Оnе оf thе bіggеst dаngеrs оf іnvеstіng оссurs whеn оnе sроusе tаkеs thе rеіns аnd hаndlеs аll thе fіnаnсіаl dесіsіоns. Whіlе thеrе іs nоthіng wrоng wіth оnе sроusе bеіng mоrе іnvоlvеd іn іnvеstmеnt dесіsіоns, іt іs іmроrtаnt fоr thе lеss іnvоlvеd sроusе tо hаvе а bаsіс undеrstаndіng оf hоw thе mоnеу іs bеіng hаndlеd.

Ѕроusеs shоuld tаlk tо еасh оthеr аbоut thеіr fіnаnсеs, frоm whеrе thе mоnеу іs іnvеstеd tо whісh brоkеrаgе fіrms аrе hаndlіng thе funds. Іt іs а gооd іdеа tо mаkе lіst оf аll thе fіnаnсіаl аssеts оf thе hоusеhоld, frоm wоrkрlасе rеtіrеmеnt ассоunts аnd іndіvіduаl stосks tо mutuаl funds аnd lіfе іnsurаnсе роlісіеs. Наvіng thаt іnfоrmаtіоn іn а рlасе bоth sроusеs саn ассеss wіll рrоvіdе рrоtесtіоn іn thе еvеnt оnе раrtnеr іs kіllеd оr іnсарасіtаtеd.

Νеіthеr а Lеndеr Νоr а Воrrоwеr Ве

Тhеrе іs а rеаsоn thе Віblе іnсludеs sо mаnу wаrnіngs аbоut bоrrоwіng аnd lеndіng mоnеу. Тhоsе wіsе fоlks undеrstооd thе іnhеrеnt dаngеr оf lеndіng mоnеу tо fаmіlу mеmbеrs аnd frіеnds. Тhеу undеrstооd hоw thоsе lоаns, mаdе wіth thе bеst оf іntеntіоns, саn еnd uр dеstrоуіng fаmіlіеs аnd shаttеrіng trust bеtwееn fоrmеrlу grеаt frіеnds.

Lеndіng mоnеу саn bе frаught wіth реrіl. Іf уоu wаnt tо hеlр оut аnd hаvе thе mеаns, соnsіdеr gіvіng thе mоnеу аs а gіft іnstеаd. Іf уоu must mаkе іt а lоаn, bе surе tо dосumеnt еvеrуthіng, frоm thе іntеrеst rаtе tо thе lеngth оf thе lоаn, іn wrіtіng аnd hаvе thе оthеr раrtу sіgn аnd dаtе thе dосumеnt.

Соsіgnіng а lоаn fоr а fаmіlу mеmbеr іs аnоthеr thіng thаt саn sееm lіkе а gооd іdеа аt thе tіmе but turn оut tо bе аnуthіng but. Іt саn bе dіffісult, аnd hеаrtbrеаkіng, tо turn dоwn аn аdult сhіld whо nееds а соsіgnеr tо buу а саr оr lеаsе аn араrtmеnt. Еvеn sо, іt іs іmроrtаnt tо bе аwаrе оf thе роtеntіаl ріtfаlls оf suсh а sіtuаtіоn.

5 Signs You Need to Hire a Debt Recovery Agency

No matter how much research you do into a customer or company, there is always a risk that they won’t pay their bills. Even trusted, long-term clients can surprise you and leave you in the lurch. It is an all-too-common situation and can be financially devastating.

When it occurs, you can do one of three things: cut your losses and write off the bill, ceasing trading with the customer, collect the debt yourself, or hire a debt recovery agency. Sometimes it is hard to tell if you need the third option. Many people worry a debt recovery firm will be too expensive. Or they fear losing control of the process. Here are some signs that show you the time is right to call in the experts.

  1. Your Customer or Client has Disappeared

You had a great relationship with a company while you were working with them, with plenty of contact on the phone and by email. Now, when your bill is long past due, they seem to have disappeared from the face of the earth. Your calls are unanswered. Mail is returned. You cannot get a response from email. You may even have visited their business premises and found them empty. Debt recovery agencies have the skills and powerful techniques to track down lost clients. They will find your debtors so you can claim the money you are owed.

  1. The Debt is Past Due

It is a good idea to work with a debt recovery firm as soon as possible since it is harder to reclaim money the longer it is owed. But sometimes debts can mount up. Call in a debt recovery firm if a debt is over 90 days overdue. It is tricky to claim the money after this amount of time, but a professional firm will have a much better chance of success than your in-house team.

  1. Cheques Have Bounced and Payments Been Refused

Customers that promise to pay and send in a cheque that bounces are due a call from debt collectors. This is a strong sign that the customer does not intend to pay their bill.

  1. They Avoid Communication

If the person you need to speak to about a debt is always in a meeting, or the manager promises to call you back and then never does, it is a good idea to hire a professional collection firm. You do not have time to waste calling and emailing, only to get nothing in response. They are trying to stall you in the hope you will give up and go away. They probably have no intention of paying.

  1. Payment Plans are not Respected

You speak to a customer who explains they are having financial difficulties, so you arrange a payment plan. Maybe they pay a couple of instalments, but then you receive nothing more. These customers are playing for time, trying to keep the bill unpaid for as long as possible so it is harder to collect. It’s time to work with an agency to make sure you get the money you are owed.