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A Short-Guide to Choosing the Right Small Business Loan

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How to Increase Your Business Return on Investment

Many business owners need to borrow money at some point to grow their business, but with many options available, choosing the kind of loan that makes the most sense for your business can be confusing. When evaluating small business loans, it is important to first assess your current needs and situation. Some questions you need to answer are: How much do you need to borrow? What will you use the money for? How long will it take you to pay the loan in full? Do you have any collateral? If yes, what are they? What is your credit score? How long have you been in business? Is your business in good financial health? Do you have other outstanding loans? How … Read more

Easy Ways to Budget Your Money

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Earning An Irregular Income

You’re finally there, ready to make a budget, pay off your debts and save some money. Where do you start? There are so many different types of budgets and opinions that it’s hard to make heads or tails of it all. Let’s take a minute to break it down simply: Determine Your Goals Before starting any budget, ask yourself what your goals are. If you have debts, of course, you want to pay them off. However, look further. Once your debts are paid, what do you want to do with the extra money? Are you planning to buy a house? Do you have a dream destination where you would like to go with your family? That sports car you’ve been … Read more

3 Things that Affect the Selling Price of a Business

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When selling a business, the owner is certain to be concerned with getting a good price, having the legalities and paperwork go smoothly, and selecting a buyer that will maintain the reputation and vision of the company. But, how does a business determine its selling price? Although it may seem that it would all come down to profitability versus cost, there are actually several factors that can determine the price of a business. A potential seller should hire a consultant who can get them the clearest possible terms on a sales contract. A business should make a sales presentation that is honest, while accentuating the positive. The seller must be prepared to answer many questions and have documentation to back … Read more

5 Things Americans Need to Know About Medical Debt

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Save Money on Medical Costs

No matter which side of the healthcare debate one falls on, they’d be remiss to say the industry is succeeding in providing quality care at reasonable prices. Whether we have a private plan or insurance through the marketplace, we’re paying more thanks to higher deductibles and increased patient responsibility. Let’s look at five things Americans need to know about medical debt. Two in Three Patients Can’t Pay Their Hospital Bills A developed country with ample resources shouldn’t have a substantial part of its populace struggling to pay for medical care. However, that’s the exact state of U.S. healthcare. After all, 20 percent of Americans under 65 experienced difficulty paying their medical bills despite having insurance. Of that group, 63 percent … Read more

Instagram Tips for Your New Business

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If you’re starting a new business, you need to understand the importance of having a strong social media presence. Even if you’re running a brick-and-mortar store, many customers are going to find you on Facebook or Instagram before they’ve even walked through your front door. You need to understand several Instagram tips to get ahead. Being active on social media means getting the attention of younger generations and being taken seriously by people who want to learn more about your brand. That’s why so many business leaders want to understand the purpose of a podcast and how to get more Facebook page likes. For new businesses, it’s especially important to make an impact on social media because they need to … Read more

Paperless – The Story of Cost Efficient Operations

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Paper waste is an unnecessary addition to the growing waste problem that your planet is facing. Paper can be recycled, but more often than not in businesses throughout the world, the paper ends up in a trash bin. According to an article by Fortune magazine, “for every million dollars in revenue, a company generates an average of 7.8 metric tons of waste. Almost 40 percent of that waste is easy-to-recycle paper. The study also found that if companies could reduce their paper waste by just one percent, they could save almost one billion dollars”. Let’s think about that for a moment. One billion dollars could potentially be saved per year. This number only applies of course to businesses that generate … Read more