Focsec | Python Software Engineer | Full-Time | Remote | Europe (within +/- 2 hours of central european time) | https://focsec.com/
We are building the most advanced threat intelligence API and platform. We help businesses and public agencies reduce fraud, detect suspicious logins and signups, block spam and bots. Our core technologies are Python, Django, Flask, Celery, PostgreSQL and Redis.
We’re looking for a Python Software Engineer (mid to senior level) who enjoys building backend systems, understands software architecture and loves to automate things.
Your qualifications:
* 2+ years of Python development (preferably using Django or Flask)
* strong understanding of HTTP and a broad understanding of networking in general
* working with SQL and No-SQL databases, processing large datasets
* strong linux server and command line skills, you should feel comfortable in a SSH session
Additionally, any of the following is considered a plus:
* experience with e-commerce software
* basic AI/ML experience
* open source contributions
To apply, send your CV to hackernews@focsec.com and also tell us what your favorite Python library is.
How to Stop Wasting Company Funds – It’s Like Free Money Is it really free money? It may not be as glamorous as winning the lottery or venture capital money. It’s not as sexy as your content going viral. And it’s not as exciting as getting a shout out from major market influencers like Oprah … Continue reading It’s Like Free Money When You Stop Wasting Company Cash
Hello! Location: St. Louis MO, USA Remote: Yes Willing to relocate: Not this year Technologies: C, C++, Assembly, Haskell, Javascript, Linux, OpenGL, React Résumé/CV: https://pastebin.com/raw/rXaxSbdz Email: patrickjordanbene [at] gmail [dot] com I’m a skilled hobbyist making their jump into the professional scene. Send me your problems.
Full-stack software engineer and DevOps, 20+ years of professional experience (often in a founding team member role)
Location: St. Petersburg, Russia (GMT+3)
Remote: Yes
Willing to relocate: Yes
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Email: hello@tarkus.me, Skype/Telegram/Twitter: koistya, Discord: koistya#2673
I can help you developing a (GraphQL API) server for your web and/or mobile app as well as CI/CD workflows, optimized for serverless infrastructure in Google Cloud Platform. The initial version (first iteration) will be ready and live in under three days! I’m also open for a technical co-founder role in your startup or interested in you as a business co-founder in one of my side projects.
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If you work with sales, knowing about the Product Life Cycle model is almost mandatory.
The model describes the stages a product goes through in its journey from creation to discontinuation.
Why do you need to know this?
Because products in different stages demand different strategies, be that for physical products or for services.
Do you think you can attract customers to a new product using the same actions used for products that have been on the market for years?
Best case scenario, it will be a wasted opportunity. At worst, a total failure.
To get to know the stages of the Product Life Cycle, examples, and how to employ this concept, don’t forget to read this article until the end!
What Is the Product Life Cycle?
The Product Life Cycle is a management tool that makes it possible to analyze how a product behaves from its development to its withdrawal from the market, also considering its launch, growth, and sales maturity.
It is like a product journey, or to refer to a more well-known example in marketing, the customer journey.
The mind behind this concept is Theodore Levitt, a German economist who lived in the United States and worked in the celebrated Harvard Business School.
Levitt proposed a five-stage model that he named the Product Life Cycle.
The stages are development, introduction, growth, maturity, and decline.
Before I explain each of them, it’s interesting to understand why Levitt thought defining this model would be useful.
During his research, he discovered something that seems obvious but hadn’t been mapped until then: the characteristics of a product change a lot during its life cycle.
All the strategies around it need to consider the specific issues and characteristics of each of these stages.
This applies to sales and marketing, but also to product development and decision-making in the management sphere.
For example, when is the right moment to invest so a product explodes in the market?
When is time to step on the brakes and maybe even replace an item that was very successful on another occasion?
These are the questions you can answer with a Product Life Cycle analysis.
The 5 Stages of the Product Life Cycle
It’s time to explore more deeply the Product Life Cycle model.
Now that we know the stages, we will see what are the characteristics of each of them, and also the best practices to achieve your marketing goals.
1. Development Phase of the Product Life Cycle
Product development is always a very sensitive stage.
The project is still able to be iterated. You can have great expectations for it, but before the product starts generating revenue, you still need to improve your proposal, carry out tests, validate the hypotheses, and make necessary changes.
This stage is naturally integrated into the process of startup companies but is not restricted to them.
For example, an automobile manufacturer does not launch a new car without first having a consistent project and studying its insertion and acceptance in the market.
To present a real example, you might have seen the collection of leggings for dogs the Walkee Paws brand released at the end of 2018.
We can imagine that this launch was preceded by careful planning, which resulted in the shape of the pieces, the material used, and the patterns selected.
When a product is in development, it doesn’t require sales efforts, but promotion should already have begun.
Imagine the success potential of a marketing campaign from Walkee Paws announcing this novelty to dedicated dog lovers.
It could involve fun posts on social networks, generating curiosity and encouraging engagement.
There may also be press releases, billboards, or even interactive actions on the streets, among other types of marketing.
The fact is that the company must consider all this even during the development stage.
2. Introduction Phase of the Product Life Cycle
The Walkee Paws example is about the introduction.
That’s when the product goes through all development stages and is considered ready to be launched in the market.
Every day we are introduced to new items in this stage of the cycle.
For big brands, TV is a choice for promotion.
Proof: you only need to turn on the TV for a few minutes to see ads for a new flavor of soda, a different motorcycle model, a smartphone that promises new and superior features, etc.
It is no accident that this stage of the Product Life Cycle is the one that demands the most marketing investment from the company.
In fact, it is not uncommon to get negative financial results at this stage, even if sales have already started.
This is also a result of the production costs related to product distribution.
To reduce the damage, it is imperative to define the target audience and persona that represents the ideal customer profile for your products.
This exercise makes it possible to optimize your marketing investments, using the right platforms to convey the best message and reach the exact audience you want.
A good practice is to bet on inbound marketing and, by means of relevant content, ensure the user discovers the company and what it offers
This strategy is also how potential consumers are persuaded to confirm sales.
3. Growth Phase of the Product Life Cycle
If the Product Life Cycle works as it should, the next step is the growth stage.
It is not possible to predict precisely when it happens, because that depends a lot on the details of the product and the market it’s in.
But it is worth repeating: if you follow the plan correctly, you are likely to reach your goals even if it takes a while.
So don’t get discouraged before you get to the growth stage.
Your investments must continue, either because of expanding your participation in the market or keeping production/output up with your sales rates.
This applies to sales of anything from marketing services, to salespeople training, to physical products.
Many companies fail at this stage and their products’ sales decline without having ever experienced maturity.
You might remember a beer brand that made fun tv ads with a short and chubby actor with a mustache as the protagonist.
For a long time, it was one of the leading brands, and the advertisements generated comments in the only social network in existence back then: word-of-mouth.
The product is still in the market, and there is no news of changes to its formula, but it was swallowed by the strong competition that is peculiar to the industry.
Lower investment in marketing would certainly be high in a list of possible reasons for this change.
So the lesson is clear: if a product is in the growth stage, it is important to have a strategy to keep it there even as new competitors start fighting for its audience.
4. Maturity Phase of the Product Life Cycle
Maturity is the peak, the highest point of the Product Life Cycle.
It’s when the product reaches its maximum potential and sales stabilize.
Once the summit is reached, it is no longer possible to grow, but the company can act to avoid significant setbacks.
The challenge at this stage is to maintain good results over time.
There isn’t a simple way to make this happen.
All the famous brands that come to mind now are where they are today because they invested in this stage.
For example, Coca-Cola doesn’t leave the media even though it “doesn’t depend on marketing.” The company understands that brands are not forever, being subject to market instabilities and behavioral changes in the audience.
Imagine if a competitor developed a new soft drink and people discover that that flavor is essential for their weekend family lunches.
With no visibility, Coca-Cola would lose space in the market, and in that situation, possibly even its place as the leading brand.
5. Decline Phase of the Product Life Cycle
It’s interesting to even imagine the end of Coca-Cola, a company with over 100 years of existence and so much financial success.
But even Coca-Cola will end one day. Maybe not the company, but its main product.
This might take 100, 200, or even 1000 years. It’s impossible to predict.
But every product reaches the end and concludes its life cycle.
When that happens, the company must recognize the painful truth shown in its performance indicators and prepare a replacement product.
If everything contributes to the idea of discontinuing the product, investing heavily in marketing to try to revert the situation tends to be too dangerous.
It might work, of course. But what if it doesn’t?
The company as a whole, and not just the product, may be endangered.
Why It’s Important to Understand the Product Life Cycle
If you’ve made it this far, you hopefully understand the concept of Product Life Cycle and the characteristics of each of its stages.
You should also understand why it’s important to apply this model to your business.
To eliminate any questions, here are the main advantages and benefits of what adherence to the Product Life Cycle model can do:
allow decision making with better support
optimize marketing investments
qualify sales efforts
offer more control over results
give better long term strategic planning
offer better organization and process management
provide more longevity for products
give more appropriate preparation to face competition
leading the market becomes a feasible goal
Does the Product Life Cycle Only Apply to Products?
This is an interesting question about this tool.
If it were restricted to products, the audience who would be able to make use of it would be much smaller.
On one hand, the idea that the Product Life Cycle works better for physical products is correct considering its characteristics.
On the other hand, it’s possible to be creative and think about adaptations of the model.
Let’s take a large company with subsidiaries in different towns as an example.
Each one of these units may be considered a product when applying this Product Life Cycle model; all you have to do is analyze each one’s performance individually.
Another example is a company with many brands, each with their own products.
To understand this better, take a look at the Procter & Gamble website, where you will see that the company has several active brands in the USA market.
In which stage of the cycle is each of these brands?
Are they planning new brands that are currently in the development stage?
To conclude, let’s look at another example.
Could services replace products in the model proposed by Theodore Levitt?
Depending on the activity the company performs, this is perfectly possible.
Let’s think about a home renovation company, for example.
It may offer a great variety of construction services, such as installing floors and tiles, painting, plastering, providing electric and hydraulic works, masonry, and more.
When using the Product Life Cycle method, you can observe the life cycle of each of these services to assess the type of investment each of them requires and the possibilities for returns in each case.
Practical Examples of the Product Life Cycle
How does the Product Life Cycle work in practice, in real cases?
We are going to take a look at two cool examples: Havaianas and Coca-Cola.
The Product Life Cycle of Havaianas
Development: the traditional flip flops were inspired by Japanese sandals made of wood or straw; in Brazil, rubber was selected as the material because it was believed to have the most acceptance with the audience
Introduction: deliberately or not, its introduction in the market was a great success with classes C, D, and E
Growth: Havaianas flip flops were in the growth stage for most of their existence, eventually dominating over 90% of the market for flip flops
Maturity: maturity only came in the ’90s, with new product design, aimed at a different audience, and great marketing investment, especially with the now-classic TV ads that were fun and always starred famous actors
Decline: up to this moment, there are no signs that Havaianas flip-flops may go through this stage in the short term
The Product Life Cycle of Coca Cola
Development: very little is known about the development of Coca-Cola and how they created the mysterious formula
Introduction: by 1886, the year of its foundation, the brand already seemed to have the right project
Growth: less than ten years after its launch, Coca-Cola was already consumed in all the U.S. states
Maturity: it’s impossible to say exactly when the brand reached maturity, but it’s safe to say that it has spent most of its history until now in this stage
Decline: since 2012, the net operating revenue of Coca-Cola has fluctuated towards decreasing; while a small decrease is within what’s expected for the maturity stage, investments in marketing and new products must continue
Product Life Cycle Vs. BCG Matrix
A product is born, grows, declines, and dies.
Isn’t this model the same as that of the BCG Matrix?
If you thought of that, you were very astute.
The BCG Matrix is another amazing management tool, created by the Boston Consulting Group (the model is named after their initials).
The BCG Matrix is very similar to the Product Life Cycle, though there are some differences.
First, there are four instead of five stages: Question Mark, Star, Cash Cow, and Dog.
Second: these curious names relate to specific characteristics of the stage in which the product is, not necessarily analyzing the entire life cycle.
Are you confused? I’ll explain.
Take a look at the table below:
Question marks are new products that don’t have a market yet but have great potential for growth.
Stars, as the name indicates, are at the top: they generate good revenue.
Cash cows are the future of stars: their performance has peaked, but their decline is expected.
And dogs are a problem: products at the end of the line, that no longer sell well and are unlikely to recover their space.
In general, question marks and stars demand marketing investment, cash cows no longer need investment and dogs will not recover even with investment.
Product Life Cycle Conclusion
By now you should understand the Product Life Cycle and the characteristics of each of its five stages. You also learned tips for creating an appropriate strategy for each of them, even if you’re a digital marketer and you aren’t selling physical goods.
If you need digital marketing help throughout any of the stages of Product Life Cycle model, let our agency know.
Now it’s time to dedicate yourself to reach maturity and extend it for as long as possible.
Speaking of which, in what stage is your main product? Leave a comment and share the article!
Have you been debating using TikTok to grow your business?
With so many social media platforms out there, many businesses are hesitant to embrace yet another site. However, features like Stitch and Duet might make the platform worth the investment.
Here’s what those features are, why they matter, and a few examples of them in action.
What Is TikTok Stitch?
Stitch is a TikTok editing feature that allows people to trim and edit other people’s videos and incorporate them into their own content.
For example, you might be posting a video on how to dominate on social media, and you see I’ve got a great video on the same subject. With Stitch, you can take a short snippet of my video, add it to your post and say “Look my boy Neil says this, so it’s something we should be doing with our marketing.”
Stitch allows a piece of content to go viral in a very different way by incorporating video snippets directly into their posts.
Since the original creator gets credited, it has the potential to amplify your reach. This adds to the viral nature of TikTok, making it a powerful tool for marketers.
What Is TikTok Duet?
TikTok Duet works on the same principle as Stitch, allowing you to use other people’s videos on your own. The difference is, with Duet, the two videos play in a split-screen format.
Returning to the previous example, rather than cutting to a clip of me talking about social media marketing for your video, we can be on the screen at the same time, sharing the stage.
Like TikTok Stitch, Duet takes sharing to another level and encourages viral content. Rather than just sharing my video to your page (as you might on Facebook), you can add your comments and flourishes, and then amplify the message to your audience.
This can be an incredibly useful tool for marketers, and it’s another example of the innovative features that are attracting people to TikTok. (Here are my thoughts on why you should be marketing on TikTok.)
Why Should You Use TikTok Stitch and TikTok Duet for Marketing?
That’s why features like Stitch and Duet that boost engagement and increase your reach are extremely welcome.
You don’t have to dig too deep to realize why users love Stitch and Duet. Social media brings people together, and what better way to do that than through collaboration? People can get even closer to their friends, celebrities, influencers, and brands; and this is the basis of viral content.
For brands, it’s an opportunity for people to engage with your content in a different way, and when they Stitch, you get the credit, plus the free brand exposure that comes with it.
What Kinds of Companies Should Use TikTok Stitch and Duet for Marketing?
A big part of marketing is reaching your target audience where they “hang out.” With 689 million active users (and growing fast), there’s a good chance your market is on TikTok.
One thing to consider when choosing which social media platforms to use is demographics. TikTok has a much younger active user base than other platforms like Facebook (60% of users are from “Gen Z,”), so you need to understand how to market to this group.
Even if your target audience is slightly older, don’t be quick to write off TikTok. Facebook gained its popularity almost exclusively among the younger age groups, and look where it is now.
By embracing features like TikTok Stitch and Duet now, you’re getting in ahead of the competition and growing your profile on a platform that’s expanding fast. As TikTok continues to roll out features, it’s offering more for marketers.
10 Examples of TikTok Stitch and Duet for Marketing
How can you make TikTok Stitch and Duet work for your marketing? These brands incorporated Stitch and Duet into their marketing to create viral videos and reach more people.
1. NBA: Tell Me You’re an NBA Fan Without Telling Me You’re An NBA Fan
This NBA video style is a common way of getting people to stitch your video. Your brand gives people a prompt, in this case, “Tell me you’re an NBA fan without telling me you’re an NBA fan,” and your followers stitch it into their video before responding.
Your followers see the prompt and create their own video with their responses. Here’s how Chicago Bulls mascot Benny the Bull responded using Stitch (sorry, Detroit fans.)
Amazon clearly has access to lots of star names and iconic videos, but the principles remain the same. In this case, the original clip makes people wonder what is going on in the scene, and then people use Stitch to respond by acting out the rest of the scene on their own.
3. Urban Decay: Prince 4 Ever Collaboration
Makeup brands tend to do very well on TikTok, and Urban Decay is no different. The Prince 4 Ever Collaboration release is a great example of how TikTok Stitch can be part of a product launch.
If you’ve got unique products, this can be a powerful way to create a buzz around a new release.
4. Demi Bagby: Influencer Power
I could have chosen from a whole host of influencers here because they play such a big part on platforms like TikTok.
When someone with nearly 12 million followers creates content, people get involved. On many occasions, people are using Stitch to share Demi Bagby’s videos.
John Derting is a photographer and videographer with over 1.7 million followers on TikTok. His videos offer a unique view of the beauty in our world, and it’s something you can tap into with your brand.
By stitching these amazing videos into your content, you can add something extra to your TikTok presence. If you’re conscious about your environmental footprint and dedicated to protecting the beautiful things we have in the world, then this could be an ideal way to use TikTok Stitch.
It started with an epic fail of a barista trying to make a coffee with the Puma logo on top. The original video earned more than one million views, so Puma did more videos on it, this time using Duet to show their followers attempting the challenge.
Videos don’t have to be complicated to appeal to your audience, they’ve just got to be engaging, and this proved to be the case for Puma.
This is another simple, but incredibly, effective strategy. Your followers do a duet showcasing your products and have the opportunity to win free products.
It’s a win-win. You get to expand your reach and show off your amazing products, and your followers get to win free prizes.
8. San Diego Zoo: #sandiegozooduetsweepstakes
Another brand using duet challenges to increase engagement is San Diego Zoo.
When you’ve got lots of lovable animals hanging around, there’s plenty of great content—but sometimes it takes more than to get engagement.
#sandiegozooduetssweepstakes encouraged people to sing along with noisy bird, Crikey. It’s another example of how you can use TikTok Stitch and Duet to get people interacting with your brand. Take a look:
How to Measure the Success of Marketing With TikTok Stitch and Duet
To get the most out of your TikTok marketing, you need to have a Pro account access their analytics. As with any social media platform, you’ll need to constantly optimize your strategy to make sure you’re reaching as many people as possible, and this isn’t possible without analytics.
TikTok analytics provides insights into how your content is performing, although there are no metrics that specifically measure Stitch and Duet at the moment.
Your analytics can give you a good feel for what content works well and what doesn’t though, so keep an eye on metrics like:
total like count of post
total number of comments
total shares
total playtime
total video views
average watch time
average engagement estimates
To get Stitches and Duets, you need engagement with your videos, so use the feedback in your analytics to improve what you’re doing.
TikTok Stitch and TikTok Duet for Marketing: Conclusion
TikTok is growing fast. Which is no surprise with features Stitch and Duet that drive viral content.
These features don’t just work for users though, they’re also brilliant tools for marketers. We all want to grow our social presence and drive engagement, and these tools can help you do just that.
How to Stop Wasting Company Funds – It’s Like Free Money
Is it really free money? It may not be as glamorous as winning the lottery or venture capital money. It’s not as sexy as your content going viral. And it’s not as exciting as getting a shout out from major market influencers like Oprah Winfrey and Elon Musk.
But it is often easy, and it is certainly anything that any company can do. It’s the free money you can get from cutting waste.
A Penny Saved is a Penny You Don’t Need to Borrow or Raise
Is your business wasting money? It probably is, in some way or another. Cutting waste should always be on your radar.
What are the Ripple Effects of Cutting Waste?
Save a dollar and you won’t need to:
Borrow a dollar and pay it back with interest
Try to raise a dollar via crowdfunding
Sell a dollar’s worth of your business to an angel investor or venture capitalist
Waste time you could be using to sell your goods or services
Get Free Money from Cutting Expenses
When tightening your company’s belt, look at the expenses going out first. There are several kinds of expenses any business can and should cut. Be creative when looking to cut expenses. Here are some kinds of expenses that you might not have thought of.
How to Save Money on Salaries
Employee salaries are the largest expense for many organizations. But did you know that there’s free money lurking in there?
But let’s make one thing perfectly clear. Don’t ask your employees to take a pay cut. Please, never do this! You’ll kill morale. But you should work to tap your employees’ full potential. Hence, pay attention to training.
Outsourcing is expensive! Some small businesses pay thousands of dollars to outsource projects. But your company may be able to save a considerable amount of cash, by taking some or all of those projects in-house.
Give your outsourced work to part- or full-time employees. After all, outsourcing work can make it hard to communicate clearly what you want done. This results in costly errors and delays. It is worth analyzing whether hiring a dedicated worker could pay for him or herself within a year.
Save Money with Better Hiring
Hiring the wrong person can be a very expensive proposition. Still, you need someone to do the work, and you don’t have forever to decide on who to hire. So make your job postings clear and only hire people experienced in what you need for them to do.
How can you hire better? Hire employees on a trial basis. This may be through working with a freelancing site like UpWork, or it may mean using a temp agency. In either of these scenarios if you must fail, at least you fail fast.
Start Improving the Average Performance of Your Workforce
Let the poor performers go. People who aren’t doing well tend to be unhappy anyway. You may be giving them the nudge they need to get something else. And make sure that all the workers staying on your payroll who do contribute are doing far more than the minimum required. If you can’t motivate your C players to act more like the superstars, cutting them from the payroll will give you the money you need to hire more A players.
Save Money on Tools
Software and tools can account for a huge proportion of a company’s expenses. But far too many businesses either buy tools they don’t need or buy tools that are bloated with features they don’t use. This can be software but also, literally, tools.
The truth is the so-called best tool on the market is often designed with large enterprises in mind. This means that when you’re small, it’s likely overkill. So it’s often better to purchase something that’s better suited to a business of your size. It may be a little less sexy, but it will save you a fair amount of money while still being equally as effective. See embroker.com/blog/business-expenses-startups-waste.
Location, Location, Location
Do you really need all that office space? Can employees share desks and work from home some of the time? Can some employees work from home all of the time? WFH also opens up hiring to other parts of the globe, where potential hires might be okay with less money.
Okay, so maybe you do need office space. But does it have to be in the most expensive part of town? Pay attention to the end date of your lease and start looking for cheaper digs before you’re under the gun.
And if you find less expensive office space elsewhere, tell your current landlord when it’s time to renew. If your business has been a good tenant, they might work to keep you.
Do you cater all your meetings? Do you really have to? If you must offer refreshments, why not handle some of them in-house? This doesn’t mean your employees start cooking. But it can mean a better coffee maker or better coffee to brew in it.
Energy Efficiency FTW
Do you have to pay utilities? Can you choose your own appliances? An energy efficient refrigerator will make a difference. So will using energy efficient fluorescent lighting. And just like in your house, turn off the lights when leaving a room.
Can You Imagine How Postage is Costing You Free Money?
Do you use a postage meter? It might not seem like a lot, but paying the exact amount for postage, rather than 5 cents more every time, will add up in the long run.
Would You Like to Save on Business Travel?
We all know about meetings that should have been emails. But they’re not so bad if your meeting is held remotely or just down the hall. Do you really have to be in the southern office? Particularly in the age of Covid-19, less travel is safer anyway.
Business Expenses
Does your business have a documented expense policy? Or can anyone claim pretty much anything at any time? Traveling employees might help themselves to the minibar or rent movies from the front desk, but your business doesn’t have to pay for such things.
Why and What Wasteful Advertising and Marketing is Costing You
Marketing can be trying new ideas to see if they work. That’s okay. But if you already know, then you should stop experimenting so much!
When you go grocery shopping, there are always small things at the checkout. They’re often inexpensive. So people buy them on impulse, even if they weren’t on the shopping list. But those packs of gum can add up over time.
In the same way, your little expenses here and there can add up. They can really get away from you if you just open up a petty cash drawer to buy them. So keep track of these expenses and review them every month or so. Determine if they’re working for you.
How long are your meetings? Are they all necessary? Really? A chat program like Slack might make some of those meetings unnecessary, or at least shorter.
Poor Time Management and Commuting
Commuting can also be exceptionally time-consuming. It can also be tiring, making it harder for employees to get going in the morning. Can some or even all of your employees work from home at least one day per week? This is also a way to enhance employee morale.
Free Money, Fixing Poor Time Management, and Enhancing Employee Morale – Yes, There’s a Connection
Consider informally monitoring the weather and telling your employees to work from home when commuting conditions will be truly awful. These are serious snowfalls or blizzards, or heavy rain from the remnants of hurricanes, not brief showers. Not only are commutes longer and more dangerous, but employees are also more likely to be late.
Get Some Free Money with a Proper Financial Professional
A solid accountant will help prevent costly errors. They will also be able to calculate and pay your business taxes correctly the first time. If you, the owner, are still preparing these documents, it’s probably not a good use of your time. If you currently can’t afford an accountant, at least get good professional accounting software.
Check Your Larger Bills Carefully
If you’re just getting a one-page bill from an outside counsel law firm, or other expensive service your business must have, ask for it to be itemized. Sometimes there are billing errors and this can be the only time they’re caught.
Get Free Money from No Longer Wasting It: Takeaways
Is your business wasting money? Stop the bleeding and hire more carefully. Look into your expenses more closely. Measure your advertising to see if it’s working. Keep an eye on ways to save time. A professional accountant is worth the expense. Audit the larger bills your business has to pay, and request itemization, to be sure you’re only being charged for what you actually owe.
Financial Debt Help – Debt Consolidation Loans Versus Credit Counseling
Financial debt loan consolidation financings are a diy procedure, whereas debt therapy aids you to make economic choices. You most likely do not require the solutions of a credit scores therapist if you currently have a monetary strategy. If you have concerns or require assistance with a budget plan, a credit score therapist can supply useful assistance.
What Debt Consolidation Loans Can Do For You
Financial obligation combination fundings can decrease the rate of interest you are paying on unsafe financial debt, like charge card, as well as reduced your month-to-month repayments. You can pick to make use of an equity financing with its tax obligation insurance deductible rate of interest or an individual funding. Lots of loan providers supply affordable prices, which you can locate by investigating firms on the internet.
A financing provides you extra control over rate of interest as well as settlement timetables than with various other choices. Not just can you obtain reduced prices, yet you can choose to take longer than 5 years to repay your principal. By taking much longer, your settlements are reduced, offering you economic breathing space.
A financial debt loan consolidation funding ought to be component of a bigger monetary strategy that consists of spending plan preparation and also lengthy term monetary objectives. You might discover on your own in much deeper economic problem by taking out a lending if you do not have these points in location.
What Credit Counseling Can Do For You
In a non-judgmental environment, a credit score therapist can assist you specify your monetary objectives as well as story a program to obtain there. They might recommend a financial debt combination lending, financial obligation combination program, or various other monetary choices.
Credit scores therapists know with all sorts of economic programs, so they might aim you to unfamiliar resources for assistance. They might likewise assist you recognize instant cost savings by assisting you to decrease expenditures or reduced rates of interest on several of your costs.
Debt therapy is actually a financial investment in your monetary future. You obtain a fast refresher course on your funds with functional solutions. By obtaining skilled assistance, you can conserve your credit rating, conserving you thousands.
Financial obligation debt consolidation car loans are a diy procedure, whereas credit score therapy aids you to make monetary choices. If you have concerns or require assistance with a budget plan, a credit rating therapist can use useful assistance.
Financial obligation loan consolidation financings can lower the rate of interest price you are paying on unprotected financial debt, like credit report cards, as well as reduced your month-to-month settlements. They might recommend a financial debt loan consolidation financing, financial debt combination program, or various other monetary choices.
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