JUSTIN BIEBER IN CRIME DRAMA

More drama from singer Justin Bieber, after an alleged assault on a fan in Spain, sparked off heated discussions among his security team.

But there are two sides to every story with some fans taking to the internet to claim the victim had bragged about plans to hit the singer first. Fans have also been taking to social media to defend the singer, even claiming the alleged victim was seen trying to choke Justin just before he hit out.

It all happened as Justin arrived in his car at the Palau Sant Jordi arena in Barcelona, where he was performing, and he opened the car window to say hi to the waiting fans. That’s when the male fan approached the car and allegedly assaulted the singer.

One thing is for sure, images of the fan with a bloodied nose are going viral across the internet currently, and it is the talk of Barcelona.

All of the pictures were captured by a Spanish news team and said that officers from the regional police – Mossos d’Esquadra turned up very quickly. A spokesman for them confirmed to reporters the incident is being dealt with as a misdemeanour and not a crime.

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The Legacy of Prince

Prince’s Estate 

All the members of Prince’s family have been allegedly having a dispute over who will get his fortune. Since there seems to be no written will, legally it goes to his blood sister Tyka Nelson, and his five surviving half-siblings.

Prince was not married, and the only child he had, had died after one week from birth due to complications. The family has opened up Paisley Park, Prince’s home and recording studio, which is also where he apparently hosted a few all night parties. It will become a tourist attraction much like Elvis’ Graceland. 

The history of Purple Rain

As a tribute to his death, Prince’s hit Purple Rain has been listed in the CMA awards. Purple Rain was a personal project for Prince. Reportedly, he carried around a purple notebook with sketches and ideas for the movie. He also had a hand in deciding who was cast for the film. The meaning of the song has many fans baffled.

They have been trying to work it out for decades. The running theory is that it’s about the end of the world, which is something Prince was interested in at that time. The film made over $68 million, even though it only cost about 7 million to produce.

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LOOKING FOR THE BEST LIFE INSURANCE POLICY?

Term insurance plans are the ideal life insurance choice for people who are working, who have others depending on them, and are looking for the best level of protection available but at a reasonably low cost.

So what is a term insurance plan? In a nutshell, it’s a life insurance protection policy. It means that in the event of the death of the person insured, a guaranteed amount will be paid to their specific nominee. Nothing will be given if the individual who is insured, lives beyond the length of the policy. 

If you are worried about any of the following issues, then a term assurance policy might be the best thing for you:

  • The security of your family financially if you were no longer with them
  • Any need to change your life insurance as your life stages change
  • Ensuring your family would have a monthly income if you passed away
  • Avoiding your financial issues burdening your family after your death

The benefits of the new Aegon iTerm plan

This comprehensive term insurance plan provides a variety of advantages to working families, to help provide reassurance that their loved ones would be looked after if anything should happen. Some of the key features of this particular plan include:

  • Life insurance right up to eighty years of age, if required
  • The choice to increase your life cover as your life changes
  • A built-in benefit if you are diagnosed with a terminal illness

So, looking at the advantages in a little more detail, the Aegon iTerm plan offers customers the chance to expand and increase the life cover purchased, when there are changes in life which require it, such as the birth of a new child, or a wedding.

If you were to die, there is the option to either grant the payout to your loved ones as a lump sum or as a monthly income, whichever would suit them better. The policy also includes an automatically built in benefit if you are diagnosed with a terminal illness. The plan even includes discounted rates for women and for those who don’t smoke.

What other similar plans are there?

A quick search on a comparison site for myself – a non-smoking 43-year old woman – soon pulled up some similar policies offering some benefits and features along the same lines:

Metlife is offering the Mera Term Plan. This term plan also includes a discount offer for non-smokers and allows insurance up to the age of 75. The policy term provided to me here was between 10 and 40 years.

Birla Sun Life Insurance runs the BSLI Protect@Ease term plan which was similar but offered insurance up to the age of 80 this time. It also included a no-smoking discount price and the policy term this time was between five and 40 years.

ICICI Prudential Insurance offers the iProtectsmart plan, which insures you up to 75 years of age. This policy term is between five and 40 years again, and also provides a non-smoker reduction in price.

Keywords

Life insurance

Term assurance

Term plan

Life policy

Life plan

Life cover

Insurance

Policy term

Term assurance policy

Financial security

Protection

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So Your Small Business Financing Went Through, Now What?

Small Business Financing Can’t Be the End Goal

For Small businesses, especially new small businesses, or those who are looking to expand their reach, financing options are one of the most important things to worry about. But what happens after you have received your funding? What do you do with your small business financing? This is the fun part of having a small business, but it is also a significant time as well. Small businesses care much about how they handle their financing.

Updating Strategies

Many small businesses will open, and have the perfect strategy for their customer base, bringing in clients and managing cash flow to create profits. However, many companies (see graph below) cannot keep up with the changing needs of their industry, or adapt to the new consumer habits. No strategy is going to last forever, and with technology, strategies must continually evolve.

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Financing for customers with a small business must be kept abreast of the ways that consumers are changing their habits. Small business finances, or at least part of them, must be used to improve the business strategies you use to run your business, from the top down.

Keeping Good Employees with Good Wages

Financing a small business also means funding the employees that you hire to help you with the firm. It is common sense that you need to have the best employees working for you if you want to have a successful business. The biggest problem with this is paying them real wages. On the one hand, you need to be able to have profits, so that you can grow your business, and continue financing for small firms. On the contrary, you have to pay them enough to keep them. To attract the best employees, and have the best chance at success, you need to pay your employees well.

Marketing

One of the most important factors in how to finance a small business is to figure out how to market your business. Similarly, for business strategies, you cannot use the same marketing strategy. You must look at your customer base, and identify the best strategy to reach them, as well as new clients. You cannot wait until your marketing strategy has worn out and you begin to lose customers; you must use the best small business financing to give you the funds you need to identify new marketing strategies.

Overspending

One of the biggest causes of failure for small businesses is that they outspend their little business financing. Whether because small businesses are taking a risk hoping that profits are going to come, or because small businesses have no other option to keep themselves open, overspending is a massive problem. Financing for customers of a small business must revolve around keeping spending in the small business setting to a minimum, and only for costs that the firm absolutely has to make. You cannot spend just because you recently received additional financing. 

Growing the Business

Small business growth is the overall goal of small business financing. You want to get the money that you need to expand your business, so that it remains within your means, but that it is sufficient to reach more people and achieve more profits. Consumer financing for small businesses can help you with this, but it is up to small businesses themselves to use that money intelligently and always with growth in mind. Business cannot grow too fast, beyond what they are capable of running, but they cannot stifle themselves by being afraid of growth. In the end, you must know yourself, and know your business, because nobody else can know the details like you.  

Keywords

  • Small business financing
  • How to finance a small business
  • Consumer financing for small business
  • Small business financing
  • Financing for small business
  • Financing a small business
  • Financing for customers of small business
  • Best small business financing
  • Financing options
  • Small business
  • Small business growth
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Tips and trends for small business financing

With around 543,000 small businesses starting up in the USA every month, it has never been more important for the owners to get their small business financing correct from the outset. With almost 28 million small businesses in total in the USA, it’s a thriving market out there.

A small business is defined as an organisation with only five workers or less, and reports show that more than 50{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of working Americans are currently employed within small businesses.

Small business financing

But just having a creative idea and a business plan is not enough – entrepreneurs will inevitably need funding to get their small business, however, small it may be, off the ground and running successfully. So what should they be prepared for?

  1. Beware of unscrupulous online lenders

Online lenders are drawing in entrepreneurs with their small business financing, offering quick approval processes and money in the bank. However, it’s important to read the small print as sometimes their terms and conditions can be unclear. On the positive side, online companies are putting the pressure on traditional banks and encouraging them to support small businesses. They can also help entrepreneurs’ businesses to get off the ground.

  1. Don’t rule out banks for small business loans

Smaller business loans had been very hard to come by recently with 79 percent of small business loans still coming in at more than $350,000 and to be eligible businesses had to have a minimum of a two-year financial history. However, partly due to the threat from the online lenders, banks are now moving towards providing lower value loans and helping to find small business funding options.

  1. Don’t ignore the baby boomers

A quarter of all entrepreneurs is between 55 and 64 – the baby boomers. These small business owners are often able to support their small businesses by using up retirement funds and savings. The Rollover as Business Startup (ROBS) strategy can fund their small business completely, or it can work alongside a loan. It has become extremely popular as an alternative option for this particular group of small business owners.

Does small business funding add up?

So with those three tips in mind, what is the likelihood of actually securing small business support and what kind of successes have other entrepreneurs experienced up to now. Let’s have a look at whether the numbers do add up.

Firstly, let’s look at the positive and vital contribution which successful small businesses make to the economy. Since the early 1990s, small businesses have been responsible for creating more than 65{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of all new jobs.

This time last year, small businesses – by definition that is an organisation earning less than $5 million revenue – were enjoying a 7.8 per cent growth in their sales, which is an increase again from the year before.

Secondly, another report highlighted that the employment level in companies with fewer than 50 staff members, increased last December than it had since the previous summer, with around 95,000 jobs created.

So is it still difficult to find finance?

A report examining the American Dream of owning your own small business revealed that, despite all the positive news, around 3 in 10 owners were struggling to reduce their operating costs and 1 in 4 were struggling to plan when there were unexpected costs. Almost a fifth of small business owners surveyed said they were thinking of closing down because of lack of cash flow. 

These issues caused many small businesses to apply for funding, many of them applying more than once.  One in five of those interviewed said they had been turned down for finance in the past 60 months and 45 per cent of those, repeatedly been rejected.

As a result over a quarter of small business owners, according to the report, ended up financing themselves using their personal accounts, credit cards, or help from friends, putting themselves and their businesses at risk.

Securing small business financing can be complicated, and it is always best to seek professional help and advice to ensure you have the best possible chance of a good outcome for your finance application and a positive future for your business.

Primary key word – small business financing

LSI key words

Small business

Business finance

Entrepreneurs

Small business owners

Funding

Financing

Small business loans

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Sample Article By Aakshey

http://pokerandbridge.blogspot.in/

Last Post: 4th March 2016

Active Since: May 2008

Profile Views : > 150,000

Memphis MOJO is a very active blogger who juggles his time between Memphis and Florida.

What will strike you when you first MM’s blog is his love for images. You’ll probably find his blog to be as much about pics as the actual content itself.

His writing style is crisp and clean. He writes to the point. And that makes his posts a light and casual read.

He talks about more than merely Bridge or Poker, unlike what the URL suggests.

His blog also talks a great deal about sports, fantasy and otherwise; Boom beaches and of course, photography. His love for photography is evident from the many pics on his blog.

Most of his blog posts don’t have too much content. But they are well structured and illustrated with suitable pics. And that really adds to the reader’s overall experience.

He has paid great attention to detail and yet managed to convey the right emotions about how he feels about something, by using colourful vocabulary. The blog posts are detailed without being overly wordy or complicated.

In short, MOJO has done well at writing a blog that has a tongue in cheek style humour and is witty enough to hold your interest.

P.S. MM’s recent posts about his Costa Rica trip really add a personal touch and interactive feel for you, as a reader.

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Grab Your Umbrella: Monsoons rain down problems on Bangalore Start-ups (Content Princess)

Grab Your Umbrella: Monsoons rain down problems on Bangalore Start-ups

        As those living in tropical climates already know, monsoon patterns can impact almost
every aspect of life. Particularly in the Indian Ocean, these seasonal variations in rainfall and wind patterns can have a drastic impact on things as far reaching as food prices, travel plans, insurance rates, and poverty rates.

Why do monsoons matter?

        Shifts in monsoon patterns are caused by the El Niño Southern Oscillation, a semi-yearly
change in ocean temperatures which causes a ripple effect through atmospheric patterns. Research has shown that global warming is exacerbating the effects of ENSO, causing more
extreme monsoons and more extreme dry seasons.

Yearly changes in ENSO patterns (image: appinsys.com)

Yearly changes in ENSO patterns (image: appinsys.com)

How do monsoons impact India in particular?

        The monsoon season is particularly important in India. It has one of the most extreme fluctuations in the wet and dry season caused by monsoons. It is also
host to one of the most strong tech industries in the world; Bangalore has long been called the “new silicon valley,” as it is home to over 30{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of start-ups in the
country.

        India has experienced serious consequences
from global warming: the country is experiencing record temperatures year after year, and the annual monsoon has been delayed three years in a row, causing
serious fluctuation in crop and energy prices.

        Bangalore startups are particularly impacted by monsoon season, because without the extensive infrastructure of an established company, it can be harder to
bounce back from environmental changes such as monsoons.

image: newindiaexpress.com

image: newindiaexpress.com

        Entrepreneurs can be the most prepared, well-planned, organized managers of their start-ups, and still, they cannot quite buffer themselves from the
effects of monsoons.

        Business and tech are expanding extremely rapidly in India, but much of the infrastructure has been rapidly constructed as well, sometimes leading to
insufficient systems to handle the needs of a huge population.

Startups and Internet in Monsoon Season

        Internet connectivity, in particular, is an extremely big problem for start-ups during monsoons. Start-ups often depend on overhead lines or underground
fiber cables for their connections.

        Larger companies who can afford dedicated leased lines do not suffer from as many connectivity problems. Start-ups using less expensive internet options
often experience loss of connection in conditions as tame as gentle rain.

        Worse, it is very difficult to tell whether, in any given meteorological event, the internet will keep connected or not. Therefore, it is hard to plan the
week and set strict deadlines for projects, since it could be impossible, logistically, to keep them. Planning a big event or conference could go
completely haywire if the internet in the neighborhood goes down due to a fallen tree. We depend on the net for almost everything, and a start-up could
suffer even more if the loss of connection happens to occur on the due date for a big bill or contract processing.

Looking to the future: rural vs urban impacts

        However, in other respects, many businesspeople believe the importance of the monsoon for the investment market overall is in decline. Even though the
monsoon may be becoming less predictable, its largest impacts are on rural populations. As time goes on, the stock market is being dominated not by energy
or agricultural staples but by urban consumers and businesses.

Further reading:
http://scroll.in/article/733519/startups-in-bengaluru-have-another-nightmare-monsoon-rains
http://www.wsj.com/articles/SB105543491840850900
http://monsoon.yale.edu/monsoon-affects-economy-health-in-india/

keywords: startups, Bangalore startups, India, monsoon, El Niño Southern Oscillation,

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6 Reasons Sovereign Gold Bonds Are Safer Than You Think (Content Princess)

6 Reasons Sovereign Gold Bonds Are Safer Than You Think

The Reserve Bank Of India will soon be issuing Sovereign Gold Bonds on behalf of the Government of India.

How They Work

Investing in Sovereign Gold Bonds is similar to investing in physical gold. Investors receive returns that are linked to the market price of gold.

The bonds are issued on payment of Rupees and are denoted in grams of gold. Investments can be as small as two grams or even as large as 500 grams per fiscal year.

These bonds will be available from designated post offices and individual commercial banks. When applying for a Sovereign Gold Bond, the potential investor includes a bank account. This account will be credited all profits from the bond.

The bonds can be purchased through cash, cheques, demand drafts, and electronic fund transfers. They are paid upon maturity in direct payment credited to the bank account provided.

Sovereign Gold Bonds earn interest at the rate of 2.75 percent per year on the amount of initial investment. They will be available in both paper and demat forms.

Exiting The Investment

Though the tenor of Sovereign Gold Bonds is eight years, it is possible to exit the investment early. There are a few ways to do this:
● Trading the demat form of bond on the Exchange
● On the 5th, 6th, and 7th years there is the option of coupon payment dates.
● Approach the bank or post office purchased from within thirty days of the coupon payment date.
● Must be done at least one day before the coupon payment date.
Once early redemption has been completed, proceeds will be credited to the bank account provided when applying for the bond.

Better Than Gold?

Investing in physical gold can come with issues and risks. These problems are removed when investing in Sovereign Gold Bonds.

Sovereign Gold Bonds eliminate the risk and cost involved with storing gold. These bonds also remove the issue of purity level involved in gold jewelry investments.

Using Sovereign Gold Bonds In Other Ways

Sovereign Gold Bonds can also be used as collateral when applying for loans. The loan to value rate for Sovereign Gold Bonds would be the same as it is for gold loans.

The Sovereign Guarantee

Sovereign Gold Bonds carry a Sovereign Guarantee on both the capital invested and on the interest obtained.

The quantity of the investment is protected since payment when redeemed at the market price per gram.

Secure Records Prevent Loss

With Sovereign Gold Bonds, there is no risk of losing the bond. The files of the bonds are held in the books of the Reserve Bank of India.

When the bond is one month from maturing, a notice is sent to the investor. On the day it matures the proceeds are credited to the bank account on record.

Tax Exemptions

The capital gains tax on the profits from redeeming a Sovereign Gold Bond has been exempted. This exemption will transfer to the new holder if the bond is traded or transferred.

The only risk of Sovereign Gold Bonds is one attached to any investment based on gold. The risk that the market price of gold will drop.

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Creative Copywriting (Content Princess)

Creative Copywriting Is Alive And Kicking!

Creativity in copywriting is still intact in advertisements.

With eCommerce on the rise, the diversity in advertising media is increasing.

The days of adverts simply being a name and number in the newspaper are long gone. These days advertisements are seen in new formats, at new places, and on new devices.

Everywhere people gather, is an arena for advertising.

It may be a sports stadium, a travel hub or a social media portal. There are examples of creative writing in advertisements all over the place.

Wherever people might have time to read, advertisers will attempt to entice.

Few public places are left that do not bear the mark of advertising giants’ creativity.

Weirdest places creative adverts have been spotted

The creativity of advertisers is evident not just in their words. It is also seen in the places they put their ads.

Everyone is aware of ads on TV and in phone apps.

Over exposure may even cause the majority to switch off to these common enticements.

So advertisements are appearing in some unusual places these days.

In the tangled phone lines on the streets over Bangkok. A huge comb was seen. Printed with an apt slogan for “switching” to a new hair conditioner.

In New York manhole covers were made to look like steaming coffee cups. With a “wake up” message, from well-known coffee brand Folgers.

Giant clam shells on a beach in India contained adverts for a seafood restaurant. Beachcombers looking for pearls instead found directions to Spar’s Seafood Cafe.

A billboard was placed, half submerged in the sea, to promote a disaster film in 2004.

Writers’ creativity is enhanced by the modern world

Some people say that creative talent in the young generation is stunted. That their minds are being nurtured by constant sales pitches. That their thoughts are becoming set on consuming not creating.

However, this is not the case at all.

People have always been inspired by what they see in the world around them. From scientists to artists, breakthroughs and masterpieces have been created. Inspired by nature and other more human creations.

Changing times may be seeing changing stimuli, but creative stimulus has not grown stagnant.

The most creative writing for advertisements

Creative copywriting in advertisements was born from a need to express and share something.

A product that inspires people is easier to write about than any other.

A list of product specifications is not enough to entice people to buy. The content of an advertisement needs to stimulate people, to motivate them to buy.

Some of the most creative copywriting can be seen in advertising slogans. Short, witty, catch phrases are every company’s dream.

Some advertisements are unforgettable, and that’s what advertisers want.

If prompted most people will remember the following most creative slogans.

“A diamond is forever” is still making diamonds more appealing to this day. It was a slogan for De Beers Diamonds in 1938.

“Don’t leave home without it,” was a lasting reminder from American Express in 1975. Credit cards became a must have accessory.

“Just Do It” a slogan from Nike sports shoes in 1988, became a catch phrase for thrill seekers everywhere.

“I’m lovin’ it” in 2003 made McDonalds more than just a fast food empire.

Creative content is changing, but the creativity involved remains intact.

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Copywriting Article (Content Princess)

10 Effective Tips To Write Solid Copy!

1. Exploit your product’s benefits.

Your product’s USP is what your customer looks for. What’s in it for them?

You need to able to successfully explain the value of your product in an article and why your customer should buy your product rather than other companies selling similar products.

Understanding your audience in relation to your product will determine how well you sell your product.

2. Find your competition’s weaknesses’.

There may be a hundred other companies on the market that sell almost the exact same product that you have.

Research your competition and find their weakness and put them into words.
You need to prove to your customers what it is that makes your product more desirable and not your competitions through justified comparisons.

3. Know your audience.

Before investing in ad space, make sure that you know your audience.
Your product is specific and most likely, so are your customers.

In order to reach out to the right audience, you need to know the types of people that are interested in your product through research.

Set up a basic profile of your targeted customer. This can be done by creating a demographic profile of your audience/customers, with the help of certain characteristics such as; gender, age, ethnicity, occupation, family status, and income.

4. What’s In It For Me?

As with everything else, you need to know what is in it for you. That will also motivate you sell better through your copy.

5. Address Your Audience Correctly.

The basic but most important tip is to remember who it is that you’re talking to and how your audience should be addressed.

You need to write in the second person throughout, using pronouns such as you, your, yours.

6. Understand your medium.

Apart from properly addressing your audience, you need to keep in mind the medium that you are going to post your copy to.

Each medium is unique and needs a particular written tone.

7. Don’t Over Explain.

As contradictory as it may sound, giving your audience unnecessary information will bore them, the last thing you want is to lose their attention.

Detail is key but providing too much detail loses the true essence of your copy, which is to interest your audience without giving away too much.

8. Include a call to action.

The purpose of your copy is to give your customers an invitation to contact you or your product, therefore, including a call to action is possibly the most important part of your ad.

9. Weigh The Odds.

False claims can expose you to unwanted lawsuits and where large companies may be able to cover their tracks; small independent businesses do not have the means to do so.

Therefore, it is important to be able to back up the claims you advertise.

10. Proofread.

The easiest way to lose customers is through poorly written copy.

Make sure that your copy has been proofread and is free from grammatical errors, and that it reads well.

A careless ad shows careless service; your audience will lose interest.

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