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Earn extra income

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Challenging financial situations can lead to stress and depression, which in turn can result in health and social problems, as well as a general sense of dissatisfaction and frustration.

In these circumstances, the only pragmatic solution is to be proactive and try to increase your income to help ease tension and promote a sense of fulfilment.

Whilst money isn’t everything, it of course makes life a lot easier in many respects.

Many people live on low monthly wages and/or fixed salaries, that are perhaps insufficient for managing daily needs and expenses.

This article presents a range of different options for improving your financial status and earning some extra money.

If you know where to look, there are numerous ways to generate extra income.

Let’s have a look into leading options, divided into two main sub-categories:

  • Online methods
  • Offline methods

Online income-generating options

Technological advancement, the growth of the Internet, and even COVID, have introduced lots of options for online earning.

These may be skill-based or without experience, with or without financial outlay.

However, for this approach, you will of course need a computer and a reliable internet connection as a minimum.

Online working has essentially made the world a small global “village”, opening up an endless pool of prospective customers to those who offer a valuable set of products and/or services that answer a need or demand.

E-commerce operators can serve customers anywhere in the world, and irrespective of time difference. This flexibility makes an e-commerce business very easy to fit in between other commitments, whether they be work, family or social.

Below is a list of examples of just some of the ways you could earn extra income online:

  • Home-based online data entry
  • Testing of website and apps
  • Writing app reviews
  • Providing VA (Virtual Assistant) services
  • Creating and monetising your own YouTube channel
  • Monetising of a Twitch channel
  • Selling products online (e.g. re-sell wholesale supplements under your own labels)
  • Becoming a social media influencer
  • Filling in online survey forms from home
  • Providing online writing services
  • Selling your design skills
  • And many more.

Ways of money making offline

While online methods are by far the easiest, if you don’t have a computer and/or reliable internet connection, there are also a number of ways to try to increase your income offline.

You can use your free time to undertake another paid task or job in your community.

Let’s have a look at some potential offline earning options:

  • Sell products on commission (e.g. door to door)
  • Offer babysitting services
  • Provide teaching services in private
  • Become a dog carer / walker
  • Sell old phones and other electronic products
  • Sell gift cards and gift wrappers
  • Provide car rental services
  • Provide delivery services
  • Rent out a room in your house
  • Sell your photography masterpieces
  • Provide plant pruning services in your area
  • Become a taxi driver (e.g. via Uber)
  • Offer house-sitting services
  • Sell cooked food in offices in your area
  • Sell handmade baby dresses (or other clothing)
  • Sell handmade home décor items
  • Provide interior decoration consultancy
  • And many more

The last word on earning extra income

Making money is a necessity. Without it, life can sadly be very difficult.

While there are a number of offline options (as we have seen), online methods are by far the quickest, easiest and most flexible, with the broadest potential customer base.

Luckily, with advancements in technology and the availability of affordable computer equipment, it has never been easier to earn extra income online.

It is now up to you to choose which method suits you most, online or offline, and get started.

International Money Transfers: 5 Tips to Help You Find the Best Providers

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The world has become increasingly globalised in the last few decades and with that, there’s been a rise in international trade. People choose to move to the opposite side of the world to their families for work or just to explore and businesses are able to source suppliers globally rather than solely in their own country.

Fast and affordable internet has allowed freelancers to work from anywhere, meaning it’s never been easier to set up a base somewhere more affordable while working for companies based in huge cities. The rise in remote workers has been good for businesses too, allowing companies to take on extra staff almost instantly as and when it’s needed rather than having hired temporary staff with set contracts. 

Whether you want to send money to your family or you’re paying freelancers based in another country, finding a way to affordably send payment can feel like a minefield. There are lots of money transfer services online that claim to offer a safe and reliable service and the best value for money, but how do you choose the best provider for you? Simply follow these tips.

Check Their Credentials

While there are many legitimate online money transfer services, there are some websites whose sole intention is to steal your hard-earned cash. Luckily, there are checks that you can do to verify if it’s a legitimate website.

First of all, if you scroll to the bottom of the page there should be information about the company and regulatory bodies. The website should say where they’re registered and give an address and a way to contact them as well as list who the company is regulated by. The most important thing to check is that the company is regulated by a governing body – this means that they have to answer to someone should there be any issues, which provides you with more protection.

Finding The Right International Money Transfer Service For You

When you compare the best money transfer companies you should look at things like how long time it will take for your funds to arrive, the number of fees you need to pay and if the provider is using secure encryption methods. That way you can be sure that when you do use them for your money transfer needs, you’re going to be in safe hands. Once you know what fees you are going to incur, or how long the money is going to take to reach the recipient, you’re in a much better position to make a decision on which service to use.

If you leave it to the last minute then you can be in danger of being forced to use a service that costs more, just because they do what you need. It is best to be prepared and look at everything so that you can make an informed, timely decision. For example, if you’re using a money transfer service to pay a salary then you need to know how long this will take so you can ensure the funds reach your employee on time. 

Check Reviews

Even if a company is legitimate that doesn’t automatically mean that they’re someone that you should hand over your money to. Look at sites like Trustpilot, Google Reviews and reviews on their Facebook page if they have one. Reviews can be bought so it’s important to take lots of positive reviews with a grain of salt.

What you really need to look for are any negative reviews – see how many there are and what any common complaints are. Negative reviews can’t be removed by the company so if there are lots of negative reviews it’s a good indicator that you should stay away.

Check the Transfer Speed

Instant bank transfers are something that’s usually taken for granted, but when you’re sending money internationally it’s a luxury. Depending on the amount of money that you’re sending and what country you’re sending money to, it could take anywhere from a few minutes to a few days for the transfer to be completed.

The transfer speed will also vary between companies. Some money transfer services offer rapid transfer speeds as standard, whereas others charge a premium for faster transactions. 

Look at the Fees

One of the things that often mount up is the fees you need to pay. Most money transfer services will charge a flat transfer fee – the price for this depends on what country you are sending the money to and how much you want to send. While this fee is standard for money transfer services you need to do your research to make sure that there aren’t any hidden costs. Some companies will charge an extra fee for faster transactions. Others will advertise a lower transfer fee but then quote a worse exchange rate than is currently available elsewhere in order to make more of a profit.

How Many Countries do they Transfer to?

Probably the most important thing to check when choosing the right international money transfer service for you is to check which countries they can transfer to. Some countries are more expensive to operate in so companies that quote a lower fee might not offer a transfer service to your chosen country. Before putting the time and effort into researching the company’s reputation, speed and fees make sure that they are able to conduct transfers to your target country.

While finding an international money transfer service can seem daunting it’s worth putting the time into researching several options to find the best company for you. Your research will not only protect you from being scammed or getting caught dealing with a company that has terrible customer service, but it will also help you to save money. Knowing what the exchange rate should be and having a base knowledge of the fees that other companies are charging will enable you to make the most cost-effective decision based on your needs. 

The best way to convince your boss on ergonomic chairs and standing desks

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A PowerPoint (PPT) presentation that correlates ergonomic chairs and standing desks with productivity and ROI is ideal

So, it seems that you want to convince your boss on ergonomic chairs, or for that matter, a complete overhaul of the existing office furniture with ergonomically designed furniture. The good news is that it’s not as difficult as you think. Keeping it simple, what you can do is that you begin by talking about ergonomic desk chairs and standing desks.

Now, why should you start the discussion with ergonomic chairs? Okay, here’s why. When we mention the term ‘office’ the first image that comes to the mind is an executive or a manger sitting in the chair, and fixated on the PC. Did you get it now? Well, if you’re fully convinced that a desk chair is symbolic of a workplace, then it will be easier for you to pitch an ergonomic chair to your boss. 

Ergonomics is all about physical comfort in-sync with the natural body posture and positions. Ultimately, a fit body foments a well-functioning and stress-free mind, which in-turn, fosters productivity. The more productive the workforce is, the higher the guarantee for sustained profitability, and better return-on-investment (ROI). And that’s precisely what ergonomic desk chairs and standing desks assure. That’s also what an employer wants as well.

How should you prepare yourself for the discussion on ergonomic chairs?

Fortunately, the information is also in your reach. You can prepare yourself for a discussion on ergonomic chairs by researching on the internet. You’ll be startled to know that loads of helpful information on ergonomic chairs and standing desks is freely available in the form of research papers, articles, blogs, and infographics.

It’ll be very helpful if you grasp as much as you can, and if that’s tedious, you may even save some referenced information on your laptop. How about a PowerPoint presentation on the physical, mental, and financial benefits of ergonomically crafted office chairs and standing desks? Your presentation slides can be a mix of text, statistics, and infographics, with vivid mentions of the source of information.

And what might play a magical role getting your boss convinced on ergonomic office chairs and standing desks is the endorsement from top CEOs of global brands. Won’t your boss or manager heed the advice and actions of corporate trendsetters such as Tim Cook, CEO of Apple Inc? If you scan the internet, you’ll find more of such examples.

How should a PowerPoint (PPT) presentation on ergonomic chairs look like?  

A PPT presentation on ergonomic chairs and standing desks can begin by an introduction of both the furniture variants. Let’s make it very clear that your boss or manager might already be aware of ergonomic chairs, standing desks, or other office furniture that offers optimum physical comfort. Nevertheless, at times they’re more focused on their company’s top & bottom lines.

Sometimes, employers expect their peers to speak-up about their concerns. Perhaps they’re bound by the hierarchal norms. Any which way, an employee or a group of employees vouching for ergonomic desk chairs and standing desks is a highly appreciable idea.

So, here’s a mini-guide on how a PPT presentation on ergonomic office chairs should look like.

Slide 1>What are ergonomic chairs and standing desks?

The inaugural slide of your presentation can briefly describe the features of ergonomic office chairs and standing desks through texts, pictures, and infographics. Always keep in mind the ‘human-angle’ when putting forth your idea. You may even create two separate columns for ergonomic chairs and standing desks respectively.  

Slide 2> How do ergonomic chairs and standing desks improve posture?

This is inarguably the main objective of going for ergonomic office chairs and standing desks. You may add to your manager’s knowledge that a good posture is a prerequisite to a fit and healthy body. And since ergonomic chairs and standing desks are adjustable and offer excellent lumbar support, they’re good for your back, neck, spine, and shoulders. Here too, the ‘human-angle’ can be stressed upon through texts, pictures, diagrams, and infographics.

Slide 3> How do standing desks and ergonomic chairs help workers physically and psychologically?

An ideal way of designing this slide is by showing a smiling professional who’s using an ergonomic chair or a standing desk. You may justify the inclusion of this picture by saying that a smiling employee is a sign of a mentally rejuvenated employee. And this has been possible due to a healthy and fit body, and straightened backs and necks. In case of standing desks, you may also say that frequent alternations between sitting and standing burn calories and reduce the risk of heart diseases, hypertension, and diabetes.

Now, you can say that a fit workforce means less absenteeism, and medical leaves. And this also means that a company can save a lot of hard-earned bucks on medical bills. The same money can be a part of ‘Retained Earnings’ on the liabilities side of the Balance Sheet. 

Slide 4> How ergonomic chairs and standing desks boost productivity and ROI?

This slide can portray an image of a healthy and smiling workforce with an increasing ROI trajectory as its background. Though it’s self-explanatory, your enthusiastic elaboration on the role of ergonomic chairs and standing desks in increasing productivity and profitability will have a positive impact on your boss’ decision on ergonomic furniture.

Slide 5> What corporate leaders say about ergonomic chairs and standing desks?

The final slide, this should include pictures and quotes of iconic CEOs, such as Tim Cook of Apple Inc., endorsing ergonomic chairs and standing desks. If you work for a publication or a media house, you can show pictures of writers using standing desks. Earnest Hemingway is famed to write at the standing desk.

Conclusion

Well, you can convince your boss or manager on ergonomic chairs through a brief PPT presentation that talks of employee health, and the company’s profitability. Make it simple, precise, and effective.

Smart graphic design tips for an eye-catching exhibition stand

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Among the factors determining the success of an exhibition stand, graphic design is arguably the most important. At its core, the exhibition is a visual competition, a rendering of the market into 3×3 meter units, one stacked against the other. If you can draw more eyes toward your stand with a standout exhibition branding, you have immediately gained a leg up over your competitors. Here are some tricks to gaining this advantage.

Learning the rules so you can break them

Each industry has an aesthetic that surrounds it. Fashion and wellness are characterised by soothing colours, smooth lines and elegant colour schemes. The IT sector will be more understated, preferring sleek, unobtrusive visual imagery. Take a nod from famous brush-wielder Pablo Picasso, who declared an artistic dictum, ‘Learn the rules like a pro, so you can break them like an artist.’ Learning the rules, the visual landscape of the exhibition, will enable you to make calculated decisions in order to set yourself apart. If you know everyone’s turning up with bright colours and floral graphics, you can cut through the noise with a sharp, dark-coloured stand and an industrial aesthetic. Humans categorise visual data from most important to least, starting with what stands out above the rest. The initial ‘draw’ is not beauty and good aesthetics as such, but rather what features dissent from the norm. Correctly tapping into this will mean that eyes land on your stand before they’ve even acknowledged your competitors.

Move towards the light

When you’re walking through an upmarket department store or airport duty free, you’ll have noticed the feeling of bombardment that one experiences in this commercial paradise. Brands on all sides vying for your attention, modern lighting and panelled floors. Much of the sensory effect that these places achieve is down to lighting. Most of us are familiar with fairy lights and the numerous domestic lighting appliances that have flooded the market in recent years, but for businesses seeking to exhibit seriously, there are dozens of dazzling light applications you can consider. Have a look at high-quality past exhibits and the inventive ways in which lighting was employed for inspiration, but really the sky is the limit. Thinking outside the box for unique design ideas is a surefire way to put yourself ahead of the competition in the attention-grabbing race of the exhibition.

Size matters

We’re crude beings, after all. The biggest, tallest, loudest stand is all-too often the most eye-catching. Of course, some exhibition halls have a height limit, but those that don’t offer exhibitors the opportunity to replay the Tower of Babel story and build to the stars. Bigger stand = more visibility = more consumer interest. With that said, a dull graphic on a big stand is still a dull graphic, now blown up to full size where everyone in the hall can see your artistic ineptitude.

Graphics: an anti-stock stance

With that in mind, your choice of images is one of the most important design choices you will be making. Stock photos, anything with happy, smiling customers in nondescript locations are the bane of visual marketing. Imagine you’re a customer walking through the exhibition floor. You notice a large stand sticking out from the rest; you take a moment to inspect it. An impression should immediately be made that this is an original image, something exciting, something pertaining the company perhaps — all in all, something that warrants a second look. It doesn’t have to be the Mona Lisa; it just has to plan out to offer something of interest to the viewer. This will most likely be something original and unique to your business, but it could just be a great, high-quality imagery you had taken professionally. Whatever the case, avoid stock imagery like the plague.

Words

For many graphic designers, writing copy is cause for sighs and eye-rolls. It’s one thing to be visually creative, but to generate engaging written copy on top of that? Quite a daunting task. Unless you have an in-house copywriter or marketing team (or the contractor you’re using does), your best bet is to get some ideas down yourself. There aren’t really any hard-and-fast rules to exhibition copy, but the central tenet is to use words extremely sparingly, only including text that’s original and non-filler. Clichéd language like ‘making a difference’, ‘innovation in tech’, ‘bringing the future to you’ is all a big no. Why tell visitors you’re just like every other company that’s ever exhibited? An exhibition is a rare opportunity to impress customers, or at least tell/show them something they’ll remember. There are millions of words in the English language, many of which have never been used in exhibition contexts before. Novelty is king. Yes, it may be difficult, and yes, you’ll throw away more ideas than you’ll keep, but if you come up with just one, 3-word tagline that sticks in one’s mind and warrants a second thought, then you’ve just earned a huge bonus as an exhibitor.

Fancy features

As mentioned above, big and flashy works. Rotating headers, interactive screens and LED walls are all technological applications that people will enjoy seeing and engaging with. Don’t limit yourself to these gadgets, but equally don’t underestimate their utility.

For those that are used to handling the business side, tending to shy away from the task of creative design, the prospect of exhibiting can seem intimidating. But, as the one who knows your business best, you’re also best-suited to the challenge. Alan Jenkins of exhibition contractor Quadrant2Design comments, ‘Every business should have a hand in its exhibition planning. Even if it’s only a short brainstorming session, business owners will have insight into their brand, stories to tell that can be translated into design by a great team.’ Get in touch with a solid, reliable contractor, and start preparing for your visual exposé to the world.

How to Get Financial Help with Funeral Costs

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Dealing with the loss of someone close is a traumatic experience. But when you’re told the cost of the funeral, it makes the whole ordeal a lot more stressful. If you’re unable to afford funeral costs and there are no funeral plans in place for the deceased, finding the money can seem impossible.

It can become an extremely worrying time during an already painful situation. But in times like this try not to stress, there is financial help available for you.

If you’re eligible, there are two types of financial support you can receive, with one providing help for up to 18 months after the death of a loved one. The amount you get will depend on a range of things, including your local authority and your financial situation.

Who’s eligible for funeral cost help?

For those already on universal credit, housing benefit, income support, child tax credit or pension credit, you could be eligible for government help via the Funeral Expenses Payment. The government scheme was created to help those on a low income to pay for a funeral.

Funeral Expenses Payment

There are two elements to the Funeral Expenses Payment, the first element can cover the following costs:

  • Cremation fees
  • Travel arrangements for the funeral
  • Burial fees for particular plots
  • Death certificates
  • Any cost of moving the body in the UK

The amount of money you receive depends on the circumstances and costs of the funeral. If the deceased has no assets, you won’t be asked to repay with your own money. However, if the deceased has personal savings or property, the payment will be taken from that.

If the deceased has a prepaid funeral plan, you will only receive up to £120 and this can only be used for items that aren’t covered by their plan.

The second element of this plan will cover:

  • Funeral directors’ fees
  • The coffin
  • Flowers

To claim this, you must keep the receipts and apply for a reimbursement (this can be paid up to £1,000).

How to apply

You must apply within six months of the funeral to make a valid Funeral Expenses Payment claim, even if you’re waiting for a decision on whether you’re eligible.

If you get approved, you will receive the funeral expenses in your bank if you already paid for the funeral. If not, the money will be paid directly to the funeral organizers such as the funeral director.

Bereavement Support Payment

The Bereavement Support Payment is a benefit that pays a lump sum plus 18 monthly payments to the partner of the deceased. You don’t have to be on benefits to receive it. Instead, you’re eligible if:

  • You’re under state pension age when your partner died
  • Living in the UK or a country that pays bereavement benefits
  • Your deceased partner paid at least 25 weeks of national insurance
  • Your deceased partner died because of an accident at work

For this scheme, you need to claim within three months of your partner’s death for the full payment. Claiming up to 21 months after the death is valid, but you won’t receive the full amount. You can find out how to claim it on the government website.

If you are on benefits and receiving this payment, it won’t affect your other benefit payments. However, it will affect how many benefits you’re paid if you’re still receiving the bereavement support payment one year after the death.

Charities

Charities also provide services to help with funerals, such as Marie Curie, Friends of the Elderly and Care Workers Charity. They usually help under certain circumstances, so make sure you qualify before attempting to arrange one via a charity.

Council funeral

If you’re struggling to afford a funeral, another option is to go to your local council and arrange a Public Health Funeral. However, this will be a very basic funeral. It will include a coffin and funeral director services but wouldn’t include flowers, transport or viewings and can’t be attended. These are usually carried out for those who died alone or have no relatives.

Get help

If you’re really struggling to afford a funeral, don’t suffer in silence. Help is out there so make use of it and give your loved one a special goodbye.

Basic Tips to Begin the Construction Process of a Baseball Field

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Construction has always been apart of life since the beginning of time. Without it, we wouldn’t have the civilizations and societies that we see in the world today, thanks to construction companies like I AM Builders, a construction estimate service.   Construction is also directly related to the sports industry as we see structural advancements in basketball courts, football fields, and baseball fields. Believe it or not, there is a lot of aspects of construction that take place when it comes to building a baseball field or even a baseball stadium. There is a lot more to it than just buying some clay and grass. Let’s discuss the many aspects of construction when building a baseball stadium from scratch.

Before starting any construction for a baseball field, whether it be for a big stadium or a simple field in your backyard, it is essential that the spot that you are building the field on has certain criteria met that is essential the field being properly built.

The first factor that you have to consider is that the spot you are building your field on has the proper water drainage system. This is extremely important because when it rains a lot and the field gets flooded, it needs to drain out and now just stay there like a big pool of water. This could damage the grass/clay of the field if the water is kept there for long periods. Also, the faster that the water drains out field after it rains allows the players to play sooner and protects the aspects of the field from being damaged.

The next criteria that need to be met for the adequate construction of a baseball field is the proper irrigation system, or sprinkler system. It needs to be properly designed based on the type of field that you are making because there are many different types of irrigation systems, and the wrong won can ruin the field as well. It is also very important that they are installed correctly because it will result in having do redo the irrigation system installation which is a waste of time and money. Also, make sure to maintain the irrigation system because if they are not regularly attended and tweaked, it is very easy for them to break.

That next aspect that needs to taken into account when building a baseball field is to have to right maintenance system for the grass, turf, and clay on the field. This is the most important aspect of taking care of the field because without it the field would not be intact. Professional sport teams in the MLB, NFL, and MLS take field maintenance so seriously that they actually have a whole maintenance team that they hire to make sure that the field is constantly being maintained and receiving the proper care that it needs.

Lastly, you need to make sure that you have the necessary equipment that a baseball field requires such as bases, pitching rubber, clay, fences, concrete for dugouts/surrounding structures, CMU, and much more that will be needed. This is why it is extremely important to perform a construction takeoff before starting your project because it will allow you to see all the pricing based on labor, rigging supplies, materials, and other factors, which will help you budget what you need to save based on what you want your field to look like.

It is also important to note that something is always going wrong on a construction site. Something always is breaking, or going wrong that can sometimes be out of your control. This is why it is extremely important to be organized the right way when performing the construction of your baseball field because you don’t want to have to deal with the headache of having to redo certain parts of the project due to poor execution of the workers.

The first thing you want to consider having present on the site of construction of the baseball field is a super intendent. This person is responsible for telling everyone on the job site what to do and making sure everyone is doing their job correctly so there are as little mess-ups as possible. And like mentioned before, it is important to hire a construction estimating company before you start your project.

Is the all-time high stock market worth celebrating?

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The performance of the stock market is measured in terms of the points of the benchmark indexes. One of the most popular indexes is the Dow Jones Industrial Average, also known as DJIA. It tracks the performance of the top 30 companies in the United States that conducts trade on the NASDAQ and NYSE (New York Stock Exchange).

In recent years, the best apps to buy stocks  has witnessed an extensively long bull market. The extension meant that the market was due for a correction in the near future. Now, the US stock market is trending at an all-time high. However, the real question is – Is this the right time to celebrate?

The Dow Jones Industrial Average hit a new high record of 28,038.65 on 18th November 2019. However, instead of celebrating, now is the time to get ready for the inevitable correction or crash.

The dramatic rise and fall of the US stock market over the years

There have been numerous highs and lows of the US stock market in the last few years. For instance, the stock market crash of 2008 was different from the previous ones. The massive downfall of more than 50% stock values was a real surprise. At this point, the Dow Jones Industrial Average plunged and recorded an all-time low of 6,594.44. It was a clear indication of the extreme volatility of the market.

Economic crises and several other factors contributed to the low stock values from 2009 to 2013. There was not much rise in stock prices during this period. However, 2013 changed the market scene once again.

The Dow Jones Industrial Average recovered from the recession and rose to more than 15,000 in May. It sparked a new hope in the stock market, and the prices started to go up. Then, in 2014, the Dow Jones Industrial Average finally entered the correction phase. It was a sigh of relief for investors across the globe.

However, in the time period between 2015, August, and 2016, April, the stock market again encountered volatility. The Dow Jones Industrial Average was not stable, and investors suspected a correction again. It was due to the economic downturn in China. However, the market gained stability when Trump entered the Presidential office.

In 2017, the Dow Jones Industrial Average obtained two streaks. It even lasted for more than ten days. It was unheard of since the year 1959 and was a major milestone for the market.

Then, in 2018, the North American Free Trade Agreement impacted the stock market positively. The Dow Jones Industrial Average struck the three 1,000-point milestones. In 2019, the Dow Jones Industrial Average has made 12 closes that are an all-time high. Trump’s announcement that the US would again negotiate trading with China played a massive role.

Why did the stock market flourish while the economy collapsed?

The all-time high of the stock market has led the investors to jump with joy. But, is the happiness going to last? Chances are it is not going to. Usually, such highs of the stock market are quickly followed by corrections.

Now, a vital question pops into the mind – why is the stock market rising steadily when there is an economic downturn? The answer is rather intriguing.

For example, take the situation of 2013. The United States was suffering through a difficult economic situation. There was news of an 8.2% reduction in the income levels of households. Moreover, the high unemployment rate of 7.9% was troubling. Despite all these financial constraints, Wall Street was buzzing. It sparked curiosity all over the country.

Experts are of the opinion that the US Federal Reserve is responsible for this. Their stimulus package and other government steps have led to the rise in stock prices.

Are billionaires dumping stocks a red flag?

Recently, the news of billionaires dumping shares has come to the forefront. Now, the intrigue lies at the alarming rate at which they are doing so.

For instance, John Paulson reportedly sold about 14 million shares in JPMorgan Chase. Moreover, he also dumped his entire worth in Sara Lee and Family dollar. There are many other examples, such as Berkshire Hathaway, etc.

It may be that economic experts have alluded to research that indicates massive correction. Moreover, this may have triggered the need for the billionaires to dump the shares. It is highly possible that they have information that justifies their action.

It is vital that you take note of every move that influences the stock market. This will give you a clue about what to do.

How to protect your assets from stock market crashes?

Now, there are various ways that you can protect your assets from stock market crashes. One thing that you can consider is the fixed index annuity.

It is a long-term saving, tax-deferred saving option. The contract between the life insurance firm and you allows you to get regular income over a long period of time. In return, you will have to pay an amount. Now, you can transform your 401K into the Fixed Index Annuity. But, you can also create a new one with cash.

There are numerous benefits that you can get from Fixed Index Annuity. First of all, it offers protection against low market values and has less risk potential. Moreover, the returns are actually based on the index performance like S&P 500.

The major advantage is that the tax-deferred status enables you to get compounded growth benefits. Moreover, there is no impact on your premium amount if the index does not perform well.

Conclusion

There are various factors that contribute to the development of a bull market. However, like every other market, it is not going to last forever. The stock market correction is expected after a long bull run. That is why the pre-mature celebration of all-time high stocks is not advisable. You may be facing a massive correction next week. But, what you can do is adopt measures to protect your assets. It is essential that you take advantage of the bull market. However, it is also crucial that you take preventive steps to avoid financial blows. 

Why Consider the Work From Home Model?

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If you’re reading this, you probably want to what does WFH means, and how it can be used to benefit your business. WFH stands for Working from home and it isn’t anything new, with professions such as carpentry and weaving having a long history in the home hundreds of years into the past. That changed with the advent of machinery and heavy equipment around the turn of the 1800s with the Industrial Revolution taking swing and such jobs moving towards centralised locations like offices and factories – a trend which has continued on in the years since. In the wake of the COVID-19 pandemic however, more and more workers are working from home and businesses are considering new employment models and how they can use remote working to their advantage.

What is the WFH Model?

Work from home is exactly what it says on the tin, working in your own home. It’s not possible in every situation of course, but in more and more jobs that are digitally-based or text based such as writing or programming there has been a big shift with employees preferring to work from their own homes. So, the question you might be asking yourself is should I consider this for my business and what are the pros and cons of doing so?

Working from home requires you to be on the ball with your employees, making sure they know what they’re doing and how to do it. It’s not something that just any organisation can shift into overnight, however a slow process of shifting may be more advantageous than the world-tilting changes that came with the COVID-19 restrictions and lockdowns. In the UK especially, with cases currently on the rise again and the future uncertain it might be something to prepare for just in case the worst comes to pass.

How the WFH Model Benefits You

There are some downsides of course, but let’s talk about the positives first. Working from home of course makes an office and all of the overheads that come with it unnecessary, and can have a great impact on the way your business runs.

  • Employee Morale – Everyone knows that a happy employee is a productive employee. Giving employees their own space and the flexibility to work on their own schedule rather than a nine to five grind is a great boost to morale and therefore productivity. Of course, you have to balance that flexibility with oversight while being careful not to overreach and make your employees feel like they are being monitored too much.
  • Lack of Overheads – There’s the issue of office rent and overheads to pay (assuming you don’t own your building), but there’s the factor of equipment too. In the case of less intensive digital jobs you don’t really need a high-powered computer to do the work, thus businesses can save a lot by having their employees simply use their own machines. While this may make organisation of files and data difficult, cloud-based services such as Google SQL or IBM Db2 can assist by making co-operation simpler.
  • Fewer In-Betweeners – Offices need cleaning, they need managers to monitor employees and the amount of employees that can be supervised is often dependent on the structure – the size of the rooms, blind spots etc. With digital monitoring becoming easier, one manager can co-ordinate many more employees digitally than could ever fit into a regular, offline office, especially since a hands-off approach is seen to be more employee friendly. Fewer employees doing go-betweens and side tasks means more revenue generated per person overall.
  • Hiring Flexibility – Finding the best workers to fill particular roles can be challenging, especially when people are rooted in one place and are reluctant to move because of family ties, friends etc. In the case of the WFH model, your business has the flexibility to hire from John O’Groats to Land’s End, a sure fire recipe for getting more talent into your workforce.

The Other End of the Stick

Working from home doesn’t come without its flaws, not least of which is the costs associated with shifting from the existing office framework. However, as recent years have shown it is sometimes necessary, and with more and more of the workforce wanting to remain working from home after the pandemic, due to concerns about unsafe workplaces or accessibility issues. Below are a few drawbacks to the WFH model:

  • Existing Infrastructure – It’s no secret that businesses like doing things the way they do them, and even suggestions that might lead to improvement are often forgotten if they would be a challenge to implement. Altering your organisation to the WFH model means changing the way you do things, the way your assets are organised and how you contact your employees. It’s a challenge for anyone, let alone those who prefer to leave things as they are.
  • Communication Delays – When you’re in an office with someone and you need to talk to them you can simply pop your head through the door and see if they’re available to chat. That’s not something you can do with a WFH organisation, since your employees might physically be miles away – it’s not exactly feasible to travel to other people’s homes every time you need to talk to them! While this can be mitigated with employee calls and chat rooms, some people find these overbearing and morale can suffer as a result.

Wrapping Up

The WFH model isn’t something you can just rush into, and it’s not a model that just anyone can follow successfully. Worries about worker coordination and communication have kept a lot of jobs confined into offices for decades, but with the onset of the COVID-19 pandemic workers have seen what is possible and they don’t want to go back. In 2020 we boldly went where no-one had gone before, and people liked what they found there.

How to launch an online coaching business?

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Becoming a successful coach is one of the rewarding careers you can take up. Supporting people to help overcome their challenges and guide them to success is a great feeling, especially when you can also build a profitable business. While in-person coaching is still the primary choice for most, advancements in technology have popularized online coaching, which is even more personalized and successful. 

With many coaches launching their business, finding a space for yourself can be challenging, and thriving there is another story. If you are brainstorming on how to start an online coaching business, or you already have one but want to make an impact in the market, this blog would be an excellent place to start. 

Without any further delay, let’s start looking at how you can build a lucrative online coaching business. 

The key elements of an online coaching business

An online coach is an experienced person who offers guidance to clients to achieve their goals, offering actionable advice. Technology has simplified and made online coaching a great career choice for those who want to launch a coaching business from the comfort of their home. Thanks to the power of the internet, you can connect and interact with clients across the globe through video conferencing tools and build a successful career amidst the restrictions imposed by the COVID-19 pandemic. 

Before learning about how to start an online coaching business, there are key elements you must know about.

  • What services you can offer as an online coach

When you are launching an online coaching business, you cannot start offering random services without any plan. You might have expertise in many areas and aspects, but you can’t be an expert in everything. Start with choosing your main service and create your offerings based on it. By keeping your services simple, you will be able to scale your business faster, easily reach out to potential clients, and effortlessly promote your business. 

  • Charging your clients

Financial gains are what drive you to offer excellent services to your target market. To establish your pricing strategy, you must have a plan about how much money you want to make an online coach. Once you have an answer to this question, track backwards. What can you offer to your potential clients to make the revenue you want to generate? Your pricing scheme must match your offering, and it must be competitive as well. 

  • Decide your coaching efficiency

Beyond what you can offer, you must think about how much time you can allocate for your online coaching business. Decide whether you would be spending part-time or full-time and choose a business model that fits your time and your requirements. Depending on the time you plan to spend, you can choose whether to deliver one-one coaching or group coaching. 

Once your coaching business gains more traction, you will better understand your client and can come up with more offerings. Establishing an online coaching business will help you grow your target market and reach more clients. However, setting up the business is not the end. You must dedicate more time to build and constantly improve your business model to grow your venture. 

Building a successful coaching business: Step-by-step guide

With the ideal type of online coaching in mind, you can start building a thriving business. Now let’s look into steps to launch your online coaching business to walk you through how to create your business from the ground up confidently. 

  • Select a profitable niche

As you determine the niche you want to work on as an online coach, you can also narrow down your target audience. This step is really important as you cannot work with every client who comes your way. Some of the profitable niches to choose from includes health and wellness coaching, financial coaching, skills coaching, performance coaching, spiritual coaching, relationship coaching, photography coaching, and the list goes on. 

After finding the niche, think about who you want to help achieve their goals. For example, do you want to help college graduates searching for a job or seasoned businesses looking to scale, or homemakers who want to build a side hustle? 

It can be anything, but define your target audience clearly so that you can create better marketing plans to reach out to the right clients. You can also create and sell personalized coaching programs to them. 

  • Set up a business website to sell your online coaching services

One of the most significant advantages of running a coaching business online is that you can connect with your clients remotely without having to travel to meet them in person. This makes sense and is more convenient during the current times of the COVID-19 pandemic, where lots of restrictions are imposed. Having a website gives your clients an idea about the services your offer, your expertise, and all about you. 

While building a website is mandatory, you don’t have to spend thousands of dollars right away. You can quickly get started by leveraging professional tutor management software to help your business to move to the next level. Pinlearn is one such online tutoring software that simplifies managing your clients, scheduling meetings, billing, taking online sessions, and much more. Pinlearn allows you to set your business website most quickly and affordably, perfectly designed for single and multi-tutor coaching businesses. 

  • Establish your unique selling propositions and core values

Online coaching has a lot to do with values and inspiring ideas. Clients come to you not just for your expertise but also for your view on the subject and the problems you can help solve. That is why you must have well-defined and describe unique value propositions or USPs. Also, ensure that your values align with those of your target audience and form a personal connection. Think about your unique experiences to your clients and make them the central figure in your online coaching offerings. 

  • Marketing techniques to promote your business

When you are launching your online coaching business, you must also find effective ways to get leads. Leverage online marketing to target the ideal clients for your coaching program and reach out to them with your services. One of the best approaches to grow a client base is to build a presence on prominent social media profiles like Facebook, Instagram, Twitter, LinkedIn, depending on your niche. Email marketing is also very powerful, especially if you already have an email list ready with you. 

Conclusion

Today’s modern technology allows almost everyone to launch an online coaching business. Establishing a coaching business online will help you reach out to a broad client base and expand your target market. Begin with a simple approach and work your way towards building a profitable online coaching business. 

An Overview of Ahmed Ezz

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Ahmed Ezz – steel industry businessman – is an Egyptian entrepreneur, industrialist, and former politician. He was born in Cairo in 1959, into a family that had been trading in construction materials for three generations. His father’s business, Ezz Foreign Trade Co, was a leading importer of steel rebars into Egypt.

Ahmed Ezz attended Port Said, a renowned English school in Cairo’s affluent Zamalek district, where he quickly developed a reputation for academic excellence. Mr Ezz continued his education at Cairo University, graduating with a degree in Civil Engineering in 1982.

Mr Ezz became increasingly involved in the family business while studying at university, taking a keen interest in expanding the company’s overseas trade operations, and playing a leading role in establishing an efficient local distribution network in Egypt. Already an energetic and industrious entrepreneur, by the age of twenty-one he had built relationships with local suppliers and developed import and export operations with suppliers in other countries, predominantly in Eastern Europe.

In the mid-1980s, Mr Ezz ventured into industrial production, founding the Ezz Ceramics and Porcelain Company, and building a state-of-the-art plant in Sadat City. The company, producing premium-quality household tiles, quickly became synonymous with high-quality products and unrivalled design, and established a strong market share in a competitive market. Ezz Ceramics and Porcelain Company was floated on the Egyptian Stock Exchange in 1998, with Mr Ezz holding two thirds of the company’s shares.

Building on his family’s trading business, Mr Ezz became interested in the steelmaking industry in the early 1990s. He established Ezz Steel in 1994 and embarked on a major investment in steelmaking capacity in Egypt. In 1994, the company invested in its first greenfield plant in Sadat City, with a production capacity of 1.0mtpa. The following year, it acquired El-Baraka rolling mills in Ramadan City, with a production capacity of 0.5mtpa. In 1998, Mr Ezz – in partnership with Danieli Group (BIT: DAN) – began building Al Ezz Flat Steel, a state-of-the-art plant in Suez, Egypt, completed in 2002.

Ezz Steel was floated on the Egyptian stock exchange in August 1999. It was also floated on the London stock exchange through a GDR (Global Depository Receipt) Program, with Mr Ezz holding a 60.3% share in the company.

Ezz Steel purchased its first stake in ANSDK (Alexandria National Steel Company) by the end of 1999. This investment was funded through the issuance of a Bond on the international stock market. Ezz Steel and ANSDK entered into a strategic alliance, with the latter renamed Ezz Dekheila Steel Company (EZDK). Ezz Steel acquired a majority shareholding  in Ezz Dekheila Steel Company in 2005, having bought out the foreign shareholders – including the African Development Bank and IFC (the World Bank) – and invested new equity through a private placement on the stock market. Ezz Steel had become the largest steel producer in Egypt by 2005.

Today, Ezz Steel is the largest private steel producer in the Middle East, and an increasingly important player on the global stage, with annual production of 5 million tons of finished steel per year, and exports that will exceed 1.0 million tons in 2021 with a growth rate of 44% compared to 2020.

Ahmed Ezz was elected as a member of parliament representing the rural district of Menouf-Sadat in 2000 and 2005. As elected representative, he played an instrumental role in a vast array of community projects, enabling his constituents to access healthcare, education, training and cultural opportunities that they otherwise would have struggled to access.

From November 2000 to February 2011, Ahmed Ezz served as the Chairman of the Planning and Budget Committee in the Egyptian Parliament. Known as a reformer, he advocated for market liberalisation and private sector growth, as well as reforms to modernize Egypt’s budgetary process, tax regime and public spending efficiency and accountability.  Mr Ezz was elected by his peers to chair this high-profile committee twice, playing a critical role in steering spending and budgetary decisions through challenging economic times.

Serving in office for more than a decade, Mr Ezz played a pivotal role in bills related to increasing investment on infrastructure, tax reforms, monitoring public finances, civil service reforms, reforming health insurance, and instilling transparency and efficiency in subsidy programmes.

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