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Investing is a great way to boost your wealth for the long term; however, if not done right, you may end up making careless mistakes that could cost you. Thankfully many of these costly investing errors can be avoided just by being more aware. Below we highlight some of the most common investing mistakes and advice for preventing them. Buying When Everyone Else Is. The media will often cover a particular stock when it performs well, thereby encouraging more people to jump and invest in shares. However, be cautious about  following the crowd , particularly when you have a volatile market. More often than not, these stocks have already reached their peak and are now overvalued. Investment advisors will tell you that if everyone is rushing to buy, you are already too late. Investing in Businesses You Don’t Understand. Often individuals will invest in businesses that they do not understand just because that particular share or stock is trending or hot at the moment; however, this...

Having a solid career plan can become your ticket to gradually improve the quality of your life. When you have one, you’ll have an idea of how you can personally and professionally grow. A career plan allows you to create goals, improve your weak areas, and gain skills that are vital in the world of employment. A career plan also helps you set a specific timeline for your goals. There are actually a lot of ways on how you can jumpstart your career. But, if you’re out of ideas, learning Latin can be a great start. This language might be considered dead for some but having the ability to understand and communicate in Latin can have long-term effects on your career. Exerting effort to learn Latin online and from other platforms can help you hone important skills that’ll make it easy for you to stand out as you’re starting your career. Listed below are three reasons why learning Latin is useful for your career: 1. Promotes Focus And Patience. Unlike the English language, wherein you ...

Being a business owner or manager in charge of a team of employees can be hard, even if they are among some of the brightest people you know. All people, no matter how intelligent and skilled, need a little bit of nudging in the right direction so that they stay on track and continue to progress in their careers. As a boss, there is a bit of pressure on you to motivate these folks by maintaining a working environment that is nurturing, supportive, constructive, and which encourages individual growth in addition to company success. If you are looking for some ways to stay on top of production in your business, here are five great tips. Foster a Culture of Clear Communication. A huge tip if you’re looking to motivate people to increase their efficiency and output is to make sure you foster a culture of clear and honest  communication  and feedback in your workplace. Being a boss that is open to constructive feedback and who actually implements that feedback is huge for your ...

by Dr. Todd Saxton and Dr. Kim Saxton , co-authors of “ The Titanic Effect: Successfully Navigating the Uncertainties that Sink Most Startups “   Side hustles are quite the rage right now, in part enabled by technology and the gig economy. Surveys suggest that as many as 45% of American workers have a side hustle. Among them, 30% say they need the side hustle to cover their expenses, while 34% use it to generate disposable income. Millennials are more likely to have a side hustle than older workers. And people earning higher incomes are more likely to have a side hustle — in part, as some side hustles require capital to start. What exactly is a side hustle? Generally, side hustles are work someone does outside of their full-time job – maybe to earn extra money on the side. It’s not a typical part-time job, though — e.g., working at the fast food restaurant 12 hours a week for some extra bucks. People with side hustles tend to generate income doing activities they are passionate...

Now, there are many people who are losing their jobs and have to use instant online payday loans. It may be as a result of being laid off. The reason most people get these loans is because of their income. It may be tough to keep a job. However, if you can come up with the cash and meet the loan payments that you need, it can be easier. Instant online payday loans allow you to get the money you need. There are times when all you have is the salary that you get. Many times you may not even have any other way to get the money you need. However, if you get payday loans you will find that the cash you need will be in front of you in just a few hours. Make sure that you find a company that you trust. When you are looking to get payday loans, you should always be sure to find out what you need. Then, make sure that you find a company that you trust. There are companies that do not offer the best service and that can end up costing you more money. This is why you need to shop around and...

The global average cost of a security breach is $3.92 million . If your business isn’t ready to spend that type of money cleaning up a mess, you need to work on your business security. Increasing your business security will boost your ability to confidently and confidentially serve customers. Continue reading to learn what to do to protect your IT systems. 1. Get Your Employees on the Right Page. Don’t assume your employees understand basic cybersecurity best practices. Employee training can save your company thousands of dollars. The time and money you put into helping your employees learn how to avoid phishing schemes and other types of attacks will help you avoid disasters you’ll never know about. 2. Always Update Software. It’s easy to forget to update software. As long as the software is running properly or isn’t causing too many problems, everyone keeps using it. Instead of ignoring software updates, your business should check for software updates regularly. As soon as ...

Are you having trouble getting financing for your business through your bank or credit union? If so, don’t give up; you still have options. If you can’t get a traditional loan through your financial institution, you should consider alternative financing. Alternative financing is usually easier to obtain than traditional loans and can easily be applied for online in a few minutes. To see what alternative financing options you have, keep reading below. First Things First: What Is Alternative Financing? Alternative financing can be defined as the means of obtaining capital outside of the traditional banking system. Most of these alternative options are available online and the applicant will never need to step foot inside of a bank to obtain these financing means. Alternative financing can be obtained through places such as crowdfunding platforms, online loan marketplaces, third-party payment providers such as PayPal, and cryptocurrencies. Usually, when it comes to alternative fi...

by Veronica Baxter Perhaps. Statutory workers’ compensation laws are particular to each state, but in general, businesses having employees that are not large enough to self-insure must carry workers’ comp insurance. The number and type of employees triggering the workers’ compensation insurance requirement varies, and each state has different exceptions to that requirement. The Number of Employees You Have Matters. In most states, if you have just one employee you must carry workers’ compensation insurance. These include Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida (for construction businesses), Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri (if a construction business), Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee (if construction, coal mining, or trades), Utah, Ver...

There is significant data to illustrate the importance of providing the right kind of educational opportunities to at-risk and special needs children. Sadly, students from lower income families are often less likely to have adequate access to nutritional food, safe housing and suitable healthcare. It’s never been more important to work towards a positive educational future for children who are considered at-risk or have special needs. In this article, we look at some of the huge benefits to be had from high-quality early childhood, youth empowerment and alternative education programs. Positive Outcomes from Alternative Education. There is a big correlation between early childhood programs and boosts in real income later on in life. Children who have been exposed to a high quality start can expect 3.5% in income improvements upon reaching adulthood. Additionally, a youth empowerment program has been shown to boost countless personality attributes such as behavior, self-esteem, bett...

by Bill Higgs , author of “ Culture Code Champions: 7 Steps To Scale & Succeed In Your Business “ In the uncertain times that the coronavirus produced, business leaders were forced to face the fact that employees might not be available every day to do their jobs – either because of their own health concerns or because they were scrambling to make childcare arrangements because of school closings. And, as the economy takes a hit, some businesses may even need to downsize, leaving the remaining workers to take on duties they are unprepared for and weren’t hired to carry out. That’s one reason why it’s always a good idea to cross-train employees, allowing someone else to step in when circumstances necessitate it. Ultimately, you want everyone who works for you to broaden their knowledge and expand the scope of what they normally do. The result is a more efficient and productive workplace. In my younger days, I was an Army Ranger, where the need to cross-train was inescapable. If...

These days, more and more people are freelancing. Some might have gotten into it by accident while between regular jobs while others made a conscious decision to start their own freelancing business. This is definitely challenging but can be very rewarding at the end of the day. If you are considering freelancing, it’s important to know a few things first. Success Takes Time. Freelancing is not an overnight success. You will not see the money pouring in immediately after you have established yourself as a freelancer. Just like with any other type of work, it takes time to build up your success and see the money pouring in. There are many details that go into being a freelancer that determine how long it might take to reach that point, even if you already have impressive skills in your chosen field. The bottom line is that you should always give yourself at least a good three months before you expect to see truly positive results from your work. Being Your Own Boss is Hard. While ...

From earning a degree to taking the next big leap towards the career, there are many reasons why people study. No matter why they choose to do it, learning offers a lot, helping you to achieve your goals in a career. The traditional approach to education cannot fulfil the modern-day requirements. The lectures provided in the classroom remain limited to the students available in the classroom. However, with constant technological advancements over the past few years, educational space has come across a considerable shift. Today, students are largely inclined towards online courses. Both online courses and online course development have made a massive impact on the education industry. Everyone gets the opportunity to avail engaging means to pursue their desired course. You will find it really interesting to know what makes these online courses so successful. Let’s dig in further! Easy Accessibility. It is a wide-known fact that people, due to their personal or professional commitment...

One of the great things about running a business is that it allows you to give back to your community in so many different ways. This means that you not only get to generate a profit for yourself, but you can help out those around you and allow them to share in your success. If you’re running your own business, you may be wondering how you can use it to give back to your community. Below are just a few methods that you can try: Hire Locally. An easy way to give back to your community through your business is by hiring locally. No matter where your business is located, there are likely people in that area that could use a job. When hiring, you should make your preference for people who live nearby. This will help your business to have stronger ties to the community and you’ll have employees who all live close to their job. No one likes to commute far to work, so your employees will be happier landing a job in their hometown rather than somewhere an hour away. You can hire locally e...

Spreading the word about your business is vital to enable you to create a constant stream of customers and to generate a buzz around your company within its first few weeks of opening. However, if you are starting a business for the first time, letting everyone know that you are open for business can be daunting. This guide will take you through some of the easiest ways that your company can become a permanent mark on the landscape before long. Become Part of the Community. If you decide to open a physical store or another real-world location, it is paramount that you choose to integrate your business with the community that you are hoping to garner the support of. Most communities across the country are willing to aid and support small businesses in their area to allow them to continue to thrive. To catch the attention of your whole community and ensure that the news of your opening spreads like wildfire, you should choose to attend community events, such as local fairs, or becom...

Blockchain is an accounting technology. It enables the transfer of ownership of assets and maintains an accurate ledger of financial information. So, accountants need to understand Blockchain technology and keep up-to-date with the latest innovative developments if they want to stay on top of their game and be prepared for the changes and opportunities Blockchain brings. Read on to find out more about the development of Blockchain and how it is creating opportunities for accountants. The Role of Accountants Will Change. Seeing as Blockchain can replace bookkeeping and reconciliation work, you may think flesh-and-blood accountants will soon be out of a job. But the truth is there will be more opportunities for accountants in the future. Only, the role of accountants is changing. However, there will still be a need for professionals like Certified Public Accountants in the accountancy industry. And CPAs will still be the most qualified and respected accountants out there because they...

by Erin McCoy, director of content marketing and public relations at Killer Visual Strategies When 96 percent of people have viewed a branded explainer video, it doesn’t matter what industry you’re in — visual content is a crucial way to reach your audiences. Videos, GIFs, and other visuals from Instagram stories to Snaps are driving the way we communicate on a daily basis. And that means that customers are demanding the same type of visual communication from brands. What’s more, stock images and icons are no longer enough: they don’t just fail to represent your brand, they can even misrepresent it. And marketers can attest that custom-designed visual content performs better: 40.2% told Venngage that original graphics such as infographics perform best, with just 12.5% attesting that stock images were most effective. Still, it can be hard to know what types of content to produce, and how each can help you achieve your goals. Let’s take a look at your options. Motion Graphics ...