In operating your business, are you losing sleep worrying about how to get more money coming in? If you said you are, you join other small business owners with the same dilemma.

That said it is important to think about ways of generating more sales and revenue for your business.

With that being the case, how can you lessen your worries over money being a problem?

business

Take Stock of Your Company Finances

In your efforts to make sure money does not become an on-going problem, remember a few pointers:

 

Is it time to get a loan?

In the event you are struggling now with money, have you consider asking for help? If you go that route, you should go online to find out how to get a business loan. With the right loan in your back pocket, your small business can get back on more solid financial footing. When using the Internet to find such a loan, do your homework. You want to learn as much history about each loan provider you consider as possible. This will lessen the odds of ending up with someone not all that well suited to be your loan provider. From the company’s history to a track record of delivering loans, find the provider that can best help you. Make it a point to understand all the language involved with the loan too. The last thing you’d want would be any surprises that could hurt your finances.

 

Cutting back on debt

As important as a loan can be to get your small business back on its feet, never overlook debt. This begins with any notable credit card debt you have acquired over time. While it may not have seemed like such a big deal when you were using plastic to buy things, those charges add up. As such, you could be looking at large debt now. If you are, work to pay it down as quick as possible. Remember, interest charges can get rather high when you keep adding to your balance. It is also a good idea to look for deals when buying supplies and equipment for your operation. As an example, do you continue to deal with the same vendors for your respective needs or do you shop around? If not doing the latter, it would be wise to give it a try. In doing this, you can oftentimes land some deals along the way. Shopping around also allows you to pit vendors against one another. This is in a competitive manner that can be good for your business.

 

Benefit spending

If paying for health care, workers comp and more are you getting good prices? As in working with vendors, do your best to get good deals on your company’s insurance needs. This can save you money over the long run. It also frees up some of those funds to put towards other needs within your business.

If money has been a problem with your small business, don’t you think it is time to you got control of the matter?

 

What does a typical morning routine look and sound like to you?

For some women, it can be quite hectic to say the least.

With that in mind, are there steps you can and should be taking to lessen the morning routine?

Remember, getting your day off on the right foot can go a long way in making for a productive and satisfying day.

So, how to get your morning routine back on track?

Don’t Let Mornings Ruin Your Day

In your efforts to have a better start to the morning, keep these pointers in mind:

1. Preparation night before – One way to have your morning start right is by prepping for it the night before. As an example, you can get your work or school clothes out instead of trying to decide in the morning what to wear. You can also opt to make your lunch the night before. This saves you time in the morning having to be in and out of the refrigerator making your day’s lunch. If you have appointments set up for work, go over them the day before. This is so you are not scrambling the next morning trying to remember who you are meeting and at what time. By doing a little prep the night or day before, you are less likely to be frazzled in the morning.

2. Beautifying you – You want to look good for the working world or whatever world it is you will be taking on that day. With that being the case, make sure you have all the necessary products on hand for your morning routine. If you tend to take a lot of time getting your hair prepared before work or school, the right accessories are key. That said choosing one of the best hair dryers out there is a good idea. The right hair dryer can make your morning feel and look so much better. Doing your hair at home in the morning instead of trying to tend to it while driving makes sense. This is especially true from a safety standpoint. In avoiding having a bad hair day; have the right tools and time available to make your hair stand out.

3. Get a good breakfast – Even when ready for the day, not eating right can be bad throughout the morning. That said it is always a good idea to start your day off with a healthy meal. Having a nutritious breakfast gives you energy for the day ahead. If you somehow do not have time to eat that kind of meal at home, take it with you to the office or school. The main thing is that your system is properly fueled and ready to go.

4. Put stress in rear-view mirror – Last; don’t let stress get the better of you to begin your day. Too many people worry about what the day ahead holds for them. In doing this, they get their day off to a bad start. Think positive when you get up in the morning that today is going to be a good day no matter what the world throws at you.

If your morning routine tends to be a mess, is it not time to change this?

Whether you’ve been doing gaming for years or you are a newcomer, you want your experiences to be first-rate.

That said take the time to get the right system in place. Doing otherwise can make for a less than stellar experience each time out.

With that in mind, how good are your gaming experiences?

Use Internet to Help with Your Shopping

In trying to come up with the best gaming experience possible, turning to the Internet is always a good idea.

First, go online and review some of the gaming players in this ever-growing industry. Doing so will allow you to learn more about the different brands and which one might best suit your needs at home.

Second, be sure to try out different accessories before buying a gaming set. Be it getting a good headset, or a professional gaming mouse like this razer gaming mouse, you should definitely invest in such accessories to improve your overall gaming experience.

With that being the case, shop around for a headset that delivers top-notch sound each time out. You could even put on a wish list for the holidays or your birthday the top technology gifts out there.

You might well end up with the best PS4 headset. If you do, it is definitely to your advantage when you begin to play.

Among options would be an Elite Pro 2 Headset + Superamp, Stealth 300 Headset and the Recon 200 Headset. When you have the right headset with which to work with, your gaming experience is 10 times better.

While online, see what other gamers say about their headsets and other accessories.

One way to do this is by going to social media.

Many gamers are apt to talk on sites such as Facebook or Twitter. You can also find images from gamers on sites such as Instagram. By getting their two cents on headsets and other items, you could be closer to coming up with the top experience.

Is Your Home Set up for the Best Possible Gaming?

Along with the top accessories for a stellar experience, have the right surroundings.

So, is your home conducive to allowing for a good gaming experience?

If living with others, having a room you can escape to play your games is the better choice time and time again. Otherwise, you could find distractions hampering you when you go to play your games.

With that in mind, you may well want to escape to a family room or even the bedroom. In doing so, you can close a door and let the games begin.

For any kids in the home playing such games, make sure you have rules in place for them to abide by.

An example of this would be making sure they get their schoolwork done before being allowed to play. It also means knowing when to call it quits in the evening on a school night.

When investing some money into such games, you want to be sure your experience is the best possible.

Do your research, find a good place in the home to play, and let the games begin.

The excitement of enlarging your family comes with the panic of managing the budget to include the baby and their growing needs. Studies show that delivery and first year could run as high as a year’s salary, at about $32K. Moreover, it does not stop there. Being a parent means joggling with money for years to come. The only golden rule is “Think ahead and don’t panic”.

Budgeting basics

Even if the expenditures will rise exponentially and the income will fluctuate as well, sticking to tried and trusted budgeting rules would help you overcome most challenges. Don’t neglect savings even if sometimes stretching your income for that too seems a bit too much.

A simple strategy is to split your income in half. The first half goes towards mandatory payments including mortgage, food, and immediate expenses. The other half should cover your wants and savings. Try to redirect at least 15% towards savings. If you have any high-interest credits, like payday loans, do your best to eradicate those first.

Don’t stress if you need a bit more than half of your budget for immediate expenses that is totally fine for mid-income families with small children. Just be sure that you are tracking your expenses and not swiping the plastic without thinking about it.

Make tracking your finances a game with your spouse and reward your small victories.

Stick to financial priorities

Being new parents makes you dream about the future and motivates you to get the best for your child. However, saving for college while they are still playing with large wooden toys is not the smartest financial move. You will always find college loans, but there are no retirement loans available.

First thing first, set aside some cash, anything between $500-1,000 for unexpected emergencies and then define your financial roadmap following the next landmarks.

Retirement funds. Even if in your late twenties or early thirties you are not thinking about retirement you should set aside at least 10-15% of your income for this purpose. It might sound like a lot, but taking into consideration inflation and other negative financial influences it might be just enough. If your employer is offering a 401(k), IRA or another type of plan, be sure to take full advantage of it.

Pay off debt. Not all debt is bad, but that with an interest rate well over 15% should be checked off your list as soon as possible. Do your best to pay off and payday loans first. Then, try consolidating the remaining debt, if you have multiple student loans, you might get a better rate at a professional service like Crediful.

Think about the future

If you are left with a couple of spare dollars each month, you can think about college savings through a 529 plan a tax-free way of saving money which will also be tax-deferred if used for qualified higher education.

Downsize at least for a while

Having children can mean a hit for the budget, at least in the short term. Maternity leave or taking a break from work entirely can leave the family budget seriously skimmed. If enlarging your family is a planned event, try downsizing a few months in advance to get used to the new situation and avoid emotional stress caused by having less money. Also, you can use the extra cash to set up a fund for the parent who will stay at home.

The steps

If you have no idea about how expensive it is to be a parent, you can try this cost of the baby calculator. Of course, you should adjust those numbers according to your lifestyle and the cost of living in your area.

If it seems too high, think about ways to reduce the cost. First, add your child to one of your health insurance plans, you can never be too careful with healthcare expenses. Next, be practical and think about reducing unnecessary spending on clothes. Your child will outgrow them in months, so getting second hand is actually a wise idea. Reusing from older siblings is also an option.

You should not be ashamed to ask for necessary items at your baby shower. This includes many costs to first-time parents such as crib and stroller.

Sometimes as new parents, you just need more money. When that happens, you need to cut on some expenses and find new ways of enhancing your budget.  The stay-at-home parent can get a part-time job or a work-from-home gig on the Internet. The one who kept their job could ask for a raise. Together, you could decide on downgrading your car or cutting some expenses like a gym or other subscriptions you might not use in the immediate period.

Never be afraid to take advantage of your new status as a family. You will be amazed how many companies have products, services, and discounts explicitly designed for people just like you.

As much as we love football, and we’re not ashamed to admit that this is more than our wives would like, there are times when going out and playing or watching a game is just not on the cards. Whether through injury or cost, distance or weather, there can be an enormous amount of reasons that going out into the world for the real thing just can’t happen. With that in mind, we thought it would an interesting idea to look at a few alternatives.

They might not quite be the real thing, but you might be surprised at just how much some of these game stick with you. We know we were.

Bubble Football

Not the most seriously competitive alternative, but still one which we would recommend every time the opportunity presents itself. Players in this game are encased in the inflatable bubbles known as ZORBS, and otherwise, the rules are much the same. That is, except contact, which is not only permitted, but encouraged.

It can be a bit tricky to track down enough of these for full teams but, luckily, party rental services like Zorbing Hire will often have you covered. Great for parties and stag dos, we would never recommend combining this game with a few drinks, but we sure are thinking it loudly.

Car football

If you think bubble football was chaotic, then take a look at the Top Gear inspired game of car football.

Not for the faint of heart or light of wallet, this is a game which thrives on carnage, though, in this case, we do seriously recommend keeping any amount of liquor out of the equation. While there aren’t any strict rules to follow in this version of the game, as players can only really be expected to the best with whatever used car or flat-out junkers they have, it’s a very good idea to go dressed in safety gear before giving this a go.

Every group has a Steve, and Steve, as you well know, can hardly be trusted behind the wheel.

Rocket League

Going digital with this one, the now extremely popular game of Rocket League is essentially a digital version of car football, only with rockets. A lot cheaper than the real-life alternative, Rocket League is available over most major platforms, including PC, Xbox, PlayStation, and Switch, with cross-play even allowing friends to compete over different devices. Though, it should be noted that the PlayStation version will not be playable in this way until early next year.

We hate to drone on, but we can’t really undersell the popularity of Rocket League, which even has considerable earnings to be made for skilled players in the eSports arena. Even major online betting services like Betway offer odds on major events, making this closer to real-life football fun than almost any alternative.

Footvolley

The name for this one really gives it away, as a combination of both football and beach volleyball. Footvolley was invented in Brazil by Octavio de Morales in 1965, according to the Footvolley website, and has remained popular ever since. Originally starting out as 5v5 game, over time, the skill of the players would become so great that this number had to be reduced to 2v2. It’s difficult to score if nobody ever makes a mistake, after all.

Played only with feet, Footvolley has spread to beach-cities all over the world, with many major events held in Portugal, Thailand, Greece, and beyond. Of course, playing this game requires not only a decent beach but also great weather, which can be more than a little tricky to find where we live. At least it could work well on a holiday.

Don’t Underestimate the Alternatives

Some of these might seem silly, but then that’s also the opinion which the uninformed or uneducated can have on football itself. Even as a spectator sport, we would recommend the likes of bubble and car football especially, as the amount of laughter on offer makes for a great night of watching with a few friends.

We can’t promise that success in any of these will give you the chops as being a real football star, but it’s enough to rub in your friend’s faces and, really, isn’t that enough?

Businesses have to be extra alert to the variety of ways hackers can break into sensitive online data. This is increasingly necessary since customer data protection is a prime factor in business reputation management and customer confidence.

According to available statistics, small businesses are targeted in 50% of all cyber-attacks. This could be as a result of inadequate security measures which are uncommon in big businesses.

So what can be done to help improve your cyber security and protect your online privacy? It is as simple as establishing strong security protocols and habits, and making sure that these measures are strictly adhered to by all personnel.

  1. Ensure that all employees make use of a strong password: every employee must make use of a complex password that would be very difficult to decipher. The passwords should be a combination of alphanumeric characters, with a mix of lower and upper case letters, and punctuation marks. They should be at least eight characters long and must not match any existing personal passwords. It is also important to change the passwords regularly. By having a strict password policy, your business will be more likely to evade an attack.
  2. Back-up all sensitive files: there are cases where malicious parties hack into online data and remove or lock up files so that they cannot be accessed until the business pays a ransom. This is what is known as ransomware attack. By keeping a secure offline backup of all files, ransoming can be rendered ineffective to a reasonable extent. Regular back-up of all files on a remote server or hard drives is one security discipline that must be observed. Some independent cloud organizations, such as Iomart, also offer innovative solutions and disaster recovery services.
  3. Invest in strong anti-malware software: malware is any piece of software that is written with the sole purpose of doing harm to data, devices, or establishments. There are various forms of malware which include Trojans, viruses, ransomware, and spyware. Some malware are designed to feed on sensitive data so as to defraud the business or its customers. Obtaining a reliable anti-malware is not something to take lightly. Cost does not matter here as trying to save costs would be a typical case of false economy. See to it that all external hard drives, systems, and USB devices are fully scanned.
  4. Staff training: Cyber-security is the responsibility of every staff member. For instance, phishing is a form of malware attack which any employee can fall victim to. Fake emails, text messages, or even phone calls from malicious agents that seem genuine can lead to the release of sensitive files, which can be used to hurt the business or its customers. It is therefore important to continuously train staff on cyber-security, especially those who have admin clearance and who handle sensitive data. Also keep in mind that not every member of the business team should be given full access to certain data. This would help to maintain accountability. Access to certain databases, software applications, etc. should be restricted to only those employees who are responsible for them.

Written by Ester K. is a content writer at Deepak Shukla and a sales and Public Relations (PR nerd), obsessed with research, sleeping in as much as possible, and listening to podcasts. When I am not at home with my fam I enjoy long walks through the beautiful city of Jerusalem.

In less than 15 years from now, retail as we know it, might no longer exist. The traditional brick and mortar stores where customers walk down the aisles picking out their goods will be the exception rather than the norm. With advances in technology and especially with the advent of online retailing, sites like Amazon have risen to fifth place in sales ranking, gradually displacing the conventional retail shops.

A recent article from Forbes magazine demonstrated that last year’s sales from physical retail outlets in the UK accounted for 91% of total revenue and there has been a growth of over 50% in the number of physical retail outlets. However, the undeniable evidence before us shows that online retailing is rapidly gaining the ground to eclipse the number of sales that are seen from physical retailers.

As of today, retail remains the single largest private sector employer in the UK, accounting for more than 1 in 10 people in the workforce. However with the advent of E-commerce, a major downsizing is going on in the traditional retail outlet and stores and retail giants such as Toys ‘R Us, have fallen under this onslaught. Surprisingly as these old giants fall, newer retail outlets are springing up to take their place.

Some would argue that the reason retail stores as we know them now may still be in existence years to come, is the customer experience and physical interaction they offer which cannot be found online. In actual fact, most of these newer outlets are combining physical shopping experiences with online shopping in a bid to keep up with current trends.

The phrase the customer is king has never been more apt as now, as newer technological trends such as AI are being used to monitor customer experience in both online and physical stores. For example, it can be used to find out which sections and products in a store customers naturally gravitate towards, with the intent to prioritize the stocking of these areas more popular goods and services.

Experts predict that the retail stores of the future will not be outlets for the displaying of physical goods for purchase, but media for advertisement and social interaction. Here, customers can go to immerse themselves in brand experiences and brands can gain useful insights from customer engagement. We’ve already seen Apple take big strides with implementing this concept.

The implementation of technology would lead to less physical purchasing of goods and instead offer customers the experience of immersion in virtual reality shopping. This might take the form of enabling them a variety of experiences from the comfort of their homes as good as or better than what they would have if they were shopping in a physical store.

In this era of digital revolution and technological advancement, the key to remaining relevant in the retail business is Innovation. Even with the proliferation of shop and retail insurance packages and other cushions targeted at ensuring that conventional retail businesses don‘t have to worry about failure, innovation is still vital. The intergration of technology and innovation into your existing business model is vital for survival.

Finding the right entertainment for your life does not have to be a big challenge if you know where to look.

That said you should have some different options in front of you to keep you entertained for the most part.

Whether watching TV or movies at home, going out with family and friends or a day trip, you can keep busy.

So, where do you go for entertainment?

What’s Available to You at Home?

In looking for entertainment at home, here are a few options:

1. TV and movies – If you like watching TV and movies, you should have no problem finding plenty to entertain you. In fact, you can check out what is new on Netflix this month. The streaming service continues to attract viewers wanting both classic and original programming. You can watch such shows on your own or invite family or friends over. The nice thing about Netflix or other such services is you watch shows whenever. If you have children at home, there should be plenty of viewing hours for them too. This is good for keeping your children occupied when home.

2. Dinner parties – When was the last time you had friends over for a dinner party? Although it is some work on your part, having those you care about over for a nice meal can be a lot of fun. If you opt for such a thing, be sure to plan things in advance. Get a head count of about how many people plan on showing up. From there, come up with a meal plan. If you do not feel like cooking up a storm, you could choose to have the event catered. Don’t be afraid to ask those coming to bring a little something to help out with the meal plans.

3. Pool party – If you have a pool in the backyard, how about throwing a pool party? You want to take advantage of those summer months if you live in a climate where winters can be tough. That said set aside a weekend day and invite outside family and friends over. When you have kids at home, this is a great opportunity for them to invite some of their closest friends over. With any pool party, be sure to focus on safety. This is even more the case when children are around.

In looking for entertainment outside of the home, consider some options:

1. Day trip – When was the last time you were on a day trip? Getting away for a little R&R is always a good thing. Whether you go to a familiar spot or somewhere new, the time away gives you a chance to recharge your battery.

2. Sporting event – If you like sports, when was the last time you were at a game? A day at the park or arena gives you a chance to cheer on your favorites. If you have children, this can be even better. Having a sport or sports to share with your child can be a great thing as he or she gets older.

3. History – Whether close to home or making a bit of a drive, find some history to enjoy. You can be both educated and entertained at the same time when learning about the past.

No matter where you go for entertainment, find what makes you happy.

Do you have to think for a while when it was your family last had a getaway? If you said yes, there’s a good chance it has been a while since your last trip.

With that in mind, is the time coming up where you and your immediate loved ones need to get away?

If needing a trip, where are you thinking of going?

Whether you stay close to home or go far away, a family getaway can be a lot of fun.

So, is it time to start planning?

Where Would You Like to Go?

In deciding where you and your family may want to go, first look at the options.

If money is a factor, you may want to stay closer to where you live. This can cut down on airline tickets, hotels, rental cars and more.

So, if you live in the Southern California area or not far away, would a day or weekend trip to Disneyland appeal?

One of the most famous theme parks going, Disneyland has entertained many over time. As such, it is not a surprise it remains one of the top attractions to this day.

Now, if money is an issue, don’t fret.

You can go online and search for Disneyland tickets at the right price for you.

With Disneyland, your children can enjoy rides, shows, characters in costume and more.

If you want to include Disneyland as part of your vacation, you could see a lot in one day. Remember, you can still go back at another point and time.

If thinking about a week-long journey, Disneyland and others could still be options.

For example, you may want to also get some beach time in or a trip to the mountains.

No matter where you decide to go, make sure fun is the order of the day (see more below).

Don’t Ruin a Trip by Stressing

When the time comes for you and your family to take your trip; don’t ruin it by stressing over different things.

For example, are you someone who has trouble getting away from your job? If so, the last thing you want to do is be thinking work when you are to be enjoying family time.

Do your best to get as much work done as possible before you head out on your journey. This will lessen the chances of you checking emails or phone calls to the office or clients on vacation.

If money tends to stress you out, do your best to leave those worries behind too.

When you take the time search for savings on your vacation, you have one less thing to worry about.

Last, get some ideas about your next vacation from the one you will be taking now.

See what works and what doesn’t work when it comes to how much you pay for theme parks, hotels, food and more. This will help you better plan your next adventure.

If your family needs a getaway to break the daily grind, what are you waiting for?