The right people in the right places (Content Princess)

It’s never the easiest thing to keep up with the pace of change, and in the ultra-fast world of Tech, it gets harder even still. You need the right men and women to do the job, but how do you go about finding them? Do you put an ad in the newspaper in this day and age? Of course not. 21st-century recruitment needs 21st-century solutions. A “Help Wanted” sign isn’t going to bring you the employees you need.

Good employees are like gold dust. I don’t mean those who are simply qualified to do the job; you know how to find them. Simply wait outside the colleges for them to finish. No, by good staff I mean those who are qualified and who have the right attitude, the right stuff. Those people who’ll go above and beyond the call of duty for your business. Henry Thoreau wrote: “Do not hire a man who does your work for money, but him who does it for the love of it.” Now, I’m not suggesting you hire someone who’ll work for free, but finding someone who can do the job and enjoy it at the same time is the Holy Grail of recruitment, as such staff is worth a fortune in the long run. 

But who are these people you want to hire? There’s a rapidly growing demand for IT professionals all across the region, and the skill-sets are becoming increasingly specialised. It can be difficult to tell your E-Commerce Analyst from your Keyword researcher. Finding out what skills you need to hire is as important as the who, and savvy recruiters are increasingly using technology to find the right people for the right job.

In the online environment, everyone has a digital footprint, and that footprint can be revealing about the sort of person they are. Social media has been a game-changing catalyst for recruitment, suddenly everyone has a public face and is easily accessible, we can get a feel of what our candidates are like. The internet knows our likes and dislikes, what football team we follow or what we last ate. But it also knows our skills and abilities.

Moving forward, these skills will be even more searchable than they are now. Talent search engines scour the web for the best and brightest available. The old days, of putting a job ad up and simply having to deal with who came to you are gone. Now, you can go to them, using the internet to track down the right people for the right job as the search engines sort them by their relevant skills and experience. You can proactively look for the right person.

This isn’t the only way, professional networks, the businesslike siblings of Facebook and Twitter, feature a whole host of talent crammed in one place. Sites such as LinkedIn or Meetup are full of highly qualified, professional and motivated individuals.

The old ways of recruiting don’t cut it these days. If you want to find the brightest and the best to work for you, then it’s a matter of going and looking for them. Before somebody else does.

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What Will the 76ers’ 2017 Lineup Look Like?(Content Princess – SEO)

As the year comes to a close, many fans of the Philadelphia 76ers are wondering what’s in store for the team for 2017. There are a couple of major players who are purportedly considering leaving the team, but also some potential for new superstars coming into the 2017 season. The roster projections have been all over the place, but now that they seem to be settling down, let’s look at some potential predictions for what the 76ers’ 2017 season will look like.

When Bryan Colangelo inherited the team, it was impossible that he would not make some significant changes. After all, the team’s record was 10 wins to 72 losses, a record that can’t stand for a chance at stardom in the NBA. He also got a whopping three first round draft picks, so that opened the door for him to fill the team with a winning lineup. He extended Hollis Thompson’s contract for another year and signed a few free-floating players: Jerryd Bayless, Sergio Rodriguez, and Gerald Henderson.

Who may be leaving?

There are a couple of players who seem to be fed up and wanting to move to another team, or hoping to retire. Nerlens Knowl, who plays centre or power forward, had a rookie contract which is now up, and his future on the team is unclear. He has experienced multiple injuries and was in physical rehab for much of this season.

Ersan Ilyasova also has an uncertain future on the team. His contract expires after the 2016-2017 season is up. After being traded for Jeremi Grant for the 76ers to have first round pick in 2020, he is the second top scorer in the team. However, he has also played for a while, and his contract is especially costly for the team.

Hollis Thompson, the small forward, has the longest history on the current roster. He has played for head coach Brett Brown for more seasons than anyone on the team. He is not one of the team’s most powerful scorer, but his game seems to be increasing, even while his court time is decreasing.

Who will fill the space in the 2017 roster?

The team has a pretty good chance of getting first round draft picks for the first three choices. It is currently estimated that the team will select for raw talent rather than make stealthy moves to improve future draft picks since they have such a good chance at getting top players this season. They will have an opportunity to try out for the team after the summer training is over.

The 76ers are pretty well known for picking up young talent, as they have in previous years, and will likely adopt a similar strategy. Colangelo has been mainly scouting from international teams to find players to bring into the NBA. Two major prospects coming out of the Euroleague are Vasilije Micic and Furkan Korkmaz. Young, tall players who would likely play as point guards could significantly change the dynamic of the team next season.

The 76ers may not have finished so strong this season, but there is an excellent chance that the combination of new incoming talent and a high position in the draft pick will lead them to a much better performance next season.

LSI keywords: 76ers, draft pick, Philadelphia 76ers, roster projections,  Bryan Colangelo, Ersan Ilyasova, Jeremi Grant, Brett Brown, Vasilije Micic, Furkan Korkmaz, Euroleague, NBA, Hollis Thompson, 2017 roster

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Using technology to find and keep the best techies (Content Princess)

The changing face of the workplace, with many companies working globally and remotely, means recruitment has become a far more diverse process than it used to be.

It’s also more important as hiring and retaining the right talent can make the difference between a company succeeding or not, so it is one of the key objectives of many chief executives.

Recruiters now face very different challenges from say, ten years ago, for example, trying to understand the motivations and needs of the so-called millennials is a major issue.

However, by far the biggest challenge across the globe is recruiting and retaining top IT talent. Being so in demand, IT candidates don’t need to promote themselves or actively look for a role, so they can be hard to find.

They are not the kind of people who would respond well to cold calling or head hunting either, which means recruiters need to find alternative ways to approach them in the first place.

A personality clash can also be part of the problem – while recruiters tend to be natural “people” people – by virtue of the kind of job they are doing – techies have a tendency to be more reserved. Also, many recruiters have no idea how to write an appropriate IT job spec, or what questions to ask in interviews because they don’t understand the subject.

It is all too common for highly skilled tech people to turn up for interviews and be asked to do the most menial IT problems as part of the process, which is not only insulting but highly likely to put them off the company for life.

This is where some of the new technology approaches to recruitment can help – funnily enough! It’s no good searching the normal job sites to find candidates for specialist tech jobs as they won’t be there.

But they are likely to be online chatting with other tech specialists on forums, in discussion groups, and on sites where they can share ideas and talk about solving technology problems, so venture into their natural habitat.

Using the candidate’s online footprint – looking at where they go and what forums they are active in, works well. If you are looking for a developer don’t search on a job site, join a developer discussion forum on LinkedIn.

There are many free candidate source websites out there, offering to search the whole of the web to see who is online and what they are doing, but this is casting far too wide a net.

However what might be worth trying is one of the new Talent Search platforms which have sprung up recently which enable you to hone your search, much more specifically creating more likelihood of success for a specialist role.

If you are trying to find the specialists who aren’t actively looking, and don’t want to be found, this kind of technology might help in honing a successful strategy to attract them anyway. Making use of the right technology could just be the key to find and keep the best techie for your company.

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The 5 Most Common Android Mobile Issues and How You Can Fix Them (Content Princess – SEO)

Android mobiles are one of the world’s best-sellers in phone sales. It’s a reliable system and offers multiple advantages to users over other mobiles. But as you’ve probably found, there can be multiple problems associated with the Android OS.

  1. My screen often freezes and is very slow

The main way to deal with this is to restore factory settings. However, you don’t always have to do this.

Try clearing any possible corrupt data. Do this by going to the Manage Applications in the Settings tab. Then tap the Home app, and then Clear Data. Then simply turn the Android phone off and on again.

Another option is to reboot your phone. This can very easily sort any errors you may be experiencing. Look for other tips here.

  1. My Android apps crash frequently

If an app has crashed, try to force close it. Do this by going to Apps in Settings, then find the app that has crashed. And then, press Force Close after tapping on the icon.

The crashing of Apps could be due to any new updates. Other reasons may be bandwidth restrictions and lack of memory.

First of all, attempt to make space on your Android. You can also try clearing data from time to time, but ensure that you have all passwords on hand before doing this. Check out more tips here.

  1. I’m running out of memory

Try moving some apps to an SD card. Android phones accept MicroSDs, meaning extra space is readily available for internal storage.

By heading into Settings, and hitting Manage Applications in the Apps tab, tap Move to SD card whenever it’s available.

You can also clear the app caches. You don’t have to worry about losing data, as this mainly holds temporary files. See more solutions here.

  1. I need an easy way to back up my Android phone

To do this, you can head into Settings, and make sure Backup and Reset is enabled. Automatic Restore can be your best friend. 

Also, using cloud services is usually the best way to do this. Multiple apps like Dropbox and Google Drive are popular with users.

You can try using Google to back up and restore all your files. Go to Settings, then Accounts, and then tap Google. After this, toggle everything you want to sync.

These options make sure everything you want is saved. This means there’s often backups of backups.

Read more about this here.

  1. My WiFi doesn’t stay connected

First of all, make sure the Wifi connection is set up properly. Go to Settings, then Wifi, and check that the toggle is on. Also, check that Airplane Mode hasn’t been accidentally activated.

You can also make sure the Wifi doesn’t ‘sleep’ if it is found inactive. Do this by going to the Advanced Settings by tapping the menu button in Wifi Settings.
If these options don’t work, reset your router. It sounds very simple, but it often can fix any problem with your Android phone. Here’s more on this.

LSI: Android phone problem, Android OS, Android Mobile Issues, problem with Android phone, backup Android phone, Android mobiles, Android apps crash

Research Links:

http://android.stackexchange.com/questions/22356/wi-fi-doesnt-stay-connected

http://www.techradar.com/how-to/phone-and-communications/how-to-backup-your-android-device-1298811

http://lifehacker.com/5668980/what-should-i-do-when-my-android-runs-out-of-app-space

http://tech.co/tips-solving-android-app-crashing-issues-2015-10

http://www.techadvisory.org/2014/01/what-to-do-when-your-android-freezes/

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The Top 5 Issues with Android and how to Fix Them(Content Princess – SEO)

We’ve all been there. A shiny new Android phone set up with all the accessories and Apps you need. And the disaster! What can be more frustrating than a frozen, blinking or hanging smartphone? But never fear. In this article, we’ll check out the top 5 issues with Android mobiles and how to fix them!

  1. The System Just Crashes When I Startup

This can be one of the most frustrating smartphone problems. You power on, and things just don’t work. Don’t panic. Although this seems like you’ve just lost your entire world, it is often caused by a single app malfunctioning and by removing that app, you can enjoy your android once again.

The Solution

Simply start your phone in safe mode and uninstall the most recent apps.

On most Android devices, to start in safe mode, all you need to do is either:

(a) Hold the power off button down, wait until the power off screen comes on and keep holding. A new pop-up should appear asking if you “want to start in safe mode”. Click yes, and your Android will only load basic utilities leaving you free to uninstall the pesky app that’s causing you problems.

or

(b) Turn your android on and hold down the volume up and volume down buttons for a few seconds. It should launch into the pop-up asking if you want the safe mode. Again, find the latest app and either uninstall or modify to begin using your Android happily.

  1. My Android is Soooo Slow!

An unbelievably common android problem with a super easy way to fix it yourself. The most common causes of this are usually a lack of storage space or too many apps running.

No Space?

Simple. Get yourself an SD card and move your larger apps onto that. They will still keep running as normal, but won’t be using your precious android processing power. You may have to close the app to move it first.

Too Many Apps?

If your apps start automatically on startup, just go to: ”Settings > Startup Manager” and deselect the apps that are not essential.

  1. My Screen Keeps Shifting Orientation

A very annoying occurrence but one that is easy to fix. If your Android keeps shifting from portrait to landscape and back again, just go to: “Settings > Display” and uncheck the “Auto-rotate screen” button. Voila!

  1. Google Play Store Keeps Crashing

This is one of the biggies. At one point or another, you’ll be in the Google Play Store, and for some reason, things just won’t work right. You keep trying, but things just go from bad to worse. This common smartphone problem can be solved in just a few simple steps.

Go to: “Settings > Apps” then swipe to the right, and you should be on the “all” tab. Find Google Play Store and press clear cache and data. After you restart your phone, it should be working just fine.

  1. Water Damage!!!

This happens more often than you might think. But don’t worry. Stay calm and try the following methods:

(a) Remove the battery and any SD cards, towel all parts dry and place in a Tupperware container filled with rice. Leave it for AT LEAST 24 hours and then put it back together. The rice should absorb any moisture thus protecting your circuitry.

or

(b) Again, remove any parts from your wet android. Gently towel it dry, hold a vacuum cleaner 2 to 3 inches away from your phone to draw out any water droplets for about 10 minutes. Finally, leave in a sunny spot on paper towels for a day. The water should have either been sucked, drawn, or evaporated away.

So there you have it, the top 5 Android issues and how to be a DIY master in fixing them. Remember that the best way to protect your phone is to follow manufacturer guidelines at all times and only use apps from trusted sources.

If you have any other android issues, leave a comment below and see if our wonderful online community can help!

Primary keywords: top 5 issues with Android
LSI Keywords: smartphone, Android issues, hanging smartphone
Variants: android problem
Antonyms & Synonyms: smartphone problem, android problem
Sources: No outside sources used in this. All personal experience

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What’s cooking in New Orleans: A Guide to the City’s Best Cuisine(Content Princess – SEO)

New Orleans, Louisiana is arguably the southern culinary capital of America. Known for their spicy cuisine, locals to this city cook French and Cajun delicacies, sandwiches for everyday feasting, soul food, and even delicious desserts. The French Quarter has all this and more, but the surrounding areas also provide a tasty treat or two. Being in New Orleans promises one thing to its visitors and natives alike: You will never go hungry again.

Southern Sandwiches

The Po’ Boy is a traditional Louisiana submarine sandwich. Typically, they are served on a baguette and filled with lettuce, tomato, pickles, and a choice of meat. The New Orleans locals usually enjoy a fried oyster or crawfish Po’ boy, but roast beef is another delicious option. Elizabeth’s in the Marigny district is a local favourite. In the French Quarter, NOLA Po’ Boys serves up a variety of these sandwiches and is located on the infamous Bourbon Street. Just remember to tell them how spicy you want it because southern cuisine tends to be hot and zesty.

The Muffuletta is a sandwich that originated among Italian immigrants in New Orleans. The sandwich is stuffed with ham, salami, mozzarella and provolone cheese, and plenty of olive salad served on a sesame seed bun. The Central Grocery and Deli in the French Quarter is the number one stop for Muffuletta lovers. Here, you have the option of purchasing a whole, half, or quarter sandwich. Choose wisely before ordering; the portions are huge!

Classic Cajun Cuisine: Jambalaya and Gumbo

Jambalaya is a spicy Cajun treat loved by tourists and locals of Louisiana alike. The dish consists of rice, vegetables, and a variety of meats. Shrimp and sausage are the most common components of this spread. However, if you’re seeking something different, try the rabbit Jambalaya at Coop’s Place. Located just a few blocks from the famous music venues of Frenchman Street and the bars of Bourbon Street, it’s the perfect place to start your night.

No trip to New Orleans is complete without a taste of soul food. Gumbo is a traditional Cajun stew that will warm you up and provide some southern comfort. Mother’s Restaurant in the Central Business District serves up a choice of either seafood or chicken and sausage gumbo. For an extra kick, try adding some Louisiana hot sauce to the mix. Mother’s may have a short wait before seating is available, as this spot has been increasing in popularity. However, the classic southern cuisine is well worth the wait.

Enjoy a Sweet Treat

Whether you’re looking for a late night snack or a quick breakfast, there is always room for something sweet. New Orleans’ most famous treat is the deep-fried beignet. These small pastries are a French classic made with various types of dough and covered in powdered sugar. The best place to try these little delights is at Café Du Monde in the French Quarter. There you can sample a variety of beignets, either plain or with filling. They go great with Café Du Monde’s signature coffee, which can be purchased as beans to brew at home.

Links:

http://www.elizabethsrestaurantnola.com

http://www.nolapoboys.com

http://centralgrocery.com

http://www.coopsplace.net

http://www.mothersrestaurant.net

http://www.cafedumonde.com

SEO Keywords:

New Orleans

Louisiana

French Quarter

Southern

Sandwich

Sandwiches

Spicy

Cajun

Treat

Jambalaya

Gumbo

Cuisine

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Why is working capital the backbone of a business? (Content Princess – SEO)

What is working capital?

Simply put, working capital is funds available to the business for day-to-day use. It is the excess of current assets over current liabilities. A positive working capital reflects the ability of a company to pay off short-term debt. Some businesses cannot cover their regular operations without additional working capital obtained through funding options.

Ways to build a good amount of working capital

A few lucky entrepreneurs are financially stable. They have savings and sales to cover their expenses. Others, however, will need some help to get the business running. The financial backing can come from a variety of courses.

Regardless of the situation, businesses may need to increase their capital during certain circumstances. Some companies will use working capital to expand their business by hiring new employees, increasing their inventory, or investing in technological advances. Others will use the loan to prepare for an upcoming busy season.

How strong is your working capital?

As Entrepreneur suggests, a company can calculate its operating cycle and use that information to analyse its financial needs. The time elapsed during the accounts receivable and the inventory cycle is compared to the length of the accounts payable cycle. A lower working capital during the first two cycles could prompt a business to look at financing options.

Does the Business Need a Loan or a Cash Advance?

Loans and cash advances are the two primary funding options. Each has its advantages and disadvantages, and each can be procured from several establishments. Below is a summary of each option.

Loans

  • Legally binding
  • May be dependent on credit history
  • Possibility of low-interest rates
  • Can be approved and funded quickly
  • No hidden fees

Before signing for a loan, the business owner must be eligible for it. The requirements vary by lender, but they are essentially verifying that the owner will repay the loan on time.

Cash Advances

  • Less regulated than loans
  • Offered by non-banking corporations
  • May be easier to obtain for new businesses
  • Different payback system than loans
  • May have high-interest rates
  • Can be approved and funded quickly
  • May have hidden fees

Look out for the funding options at Capital Float

The size of your company and eligibility

Capital Float will accept businesses that are as young as one year old, granted they have an annual turnover of 25,00,000 rupees and are based in India. Loans begin at 1,00,000 rupees, go to up to 1,00,00,000 rupees for online sellers, and are capped at 50,00,00,000 rupees for larger businesses. Interest rates can be as low as 18{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}, and funding can be approved in one week.

How much of your inventory can be financed?

Inventory financing is available for companies that have been running for two years with an annual turnover of 1,00,00,000 rupees. Up to 80{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the invoice value can be loaned. The loan can be repaid in one payment, or over the course of up to 180 days.

Cash advance for your business needs

Additionally, cash advances are distributed to companies with annual turnovers of 20,00,000 rupees, when 12,00,000 of that is done by credit card. The loan can be between 50{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} and 150{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the applicant’s monthly credit card volume, repayable in up to one year.

Managing the Cash Flow for Improved Sales

When sales are going well, and expenses are being covered, the business has a positive cash flow. This is the desired flow for a company. Having a negative cash flow means that the business is spending more than it can repay, and this is risky behaviour.

Factors affecting working capital

Working capital management is essential for the business to run smoothly. To properly manage the cash flow, factors like accounts receivable, inventory, and accounts payable need to be considered in addition to the profit or loss of the company. Generally speaking, a positive cash flow means the business is profitable. A low inventory level frees up working capital for other uses. Sending out invoices promptly will speed up customer payments.

Identify difficulties and resolve problems in time

Having a cash flow spreadsheet allows the owner to quickly identify challenges that may be faced, such as unexpected large orders, cancelled orders, or late payments. When the repercussions are shown with numerical values, plans can be made in anticipation of those events.

As business owners learn to control their cash flow, working capital will be more readily available, and funding options will not be required as often.

Primary keyword: Working capital

LSI keywords:

Variants: additional working capital, lower working capital, working capital management,  positive working capital

Antonyms and synonyms: cash flow, financing options, funding options,  financial backing,  regular operations, operating cycle,  financial needs, inventory financing

https://www.kabbage.com/blog/merchant-cash-advances/

https://www.entrepreneur.com/article/225658

http://www.investinganswers.com/financial-dictionary/financial-statement-analysis/working-capital-869

http://fitsmallbusiness.com/working-capital/

http://www.profitbooks.net/manage-cash-flow-small-business/

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What You Should Look For in Unsecured Business Loans (Content Princess – SEO)

Unsecured business loans allow a small business to obtain funding without putting up collateral. This is a viable option for many businesses who may not have anything of ‘value’ to put up as collateral e.g. expensive equipment or property. It is also a viable option for companies that may not wish to borrow much in the way of cash.

As with other types of loan out there, you will find that there are many lenders to choose from. Some of these lenders may be perfect for your business. Other lenders may not be quite as advantageouss. As a small business owner, it is your job to select a lender who is right for the business that you are operating. This blog post will provide you with details on how to do this.

Benefits of Unsecured Business Loans

There are various benefits to unsecured small business loans. You will be able to see a quick round up of the advantages on Chron. It, essentially, boils down to the following:

  • Easier to obtain than traditional loans as you will not have to supply collateral.
  • In the event of bankruptcy, unsecured loans tend to be ‘discharged’ whereas secured loans are typically not.
  • The lender will not be able to seize your possessions should you be unable to pay the loan back.

Steps to Obtaining a Small Business Loan

Obtaining an unsecured loan for your small business will rest strongly on the way in which you manage your business and your finances. Before you apply for a small unsecured business loan, you should read the article at Investopedia. It goes in depth on what is expected of you when you apply for a loan. It can be summarised as follows:

  • Ensure that your cash flow predictions are accurate. This will have a significant impact on whether you can obtain a loan or not.
  • Ensure that your credit score is accurate. Try to boost it if possible. An excellent guide to follow can be found on inc.com.
  • Put together a solid business plan
  • Research potential lenders. We will give you information on how to select a lender in the next section.

What should you look for in an unsecured small business loan provider?

Your small business is unique. This means the short-term financing that you obtain for your business should be unique too. Therefore, it is important that you select a loan provider who can offer flexible loans. Capital Float can provide you with the following:

  • Customised loan products. This way you will be able to tailor the loan package to suit your specific business.
  • Flexible financing options. This includes invoice financing and e-commerce finance.
  • Term finance where you have the ability to set the length of the short term business loan.

Small business lending on both invoices and e-commerce values are a great way to boost your chances of being successful with your loan application. Invoice financing allows you to borrow capital against the number of outstanding invoices that you currently have. E-commerce financing allows you to borrow money for your small business against your average total sales for your online company.

Unsecured business loans without collateral tend to be a bit ‘riskier’ for a lender. Also, you may find it slightly more difficult to obtain a loan with competitive interest rates. However, if you look at various websites, you may not find a satisfactory interest rate. But we here at Capital Float, provide you with competitive interest rates as low as 1.33{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. Low interest rates mean that your business will be paying back ‘less’. This means paying back the loan will have a lower financial impact on the firm.

Applying for the loan

Once you have found somewhere to provide you with your unsecured loan for your business, it is important that you get the application process right. This will increase your chances of being selected. At Capital Float, we will process your application and provide you with the money that your small business needs within just three days. However, to ensure this, you will need to make sure that you have all of your paperwork in order.

Primary keyword: Unsecured business loan

LSI keywords:

Variants:  unsecured small business loans, Small Business Loan, small business unsecured loan,  unsecured small business loan provider

Antonyms and synonyms:  collateral,  traditional loans,  secured loans, short term financing,  financing options, Term finance,  short term business loan

Sources:

http://smallbusiness.chron.com/advantages-disadvantages-unsecured-business-loan-34986.html

http://www.wahm.com/articles/the-pros-and-cons-of-unsecured-small-business-loans.html

http://www.investopedia.com/articles/personal-finance/082616/4-steps-getting-small-business-loan-without-collateral.asp

http://www.inc.com/rohit-arora/eight-ways-to-raise-your-business-credit-score.html

https://www.nationalfunding.com/unsecured-business-loans/

http://www.comcapfactoring.com/blog/what-is-invoice-financing/

https://www.fundingoptions.com/knowledge/finance-for-ecommerce/?utm_expid=52061910-29.EPoOv9CRSBeI-fZQil1s0A.0&utm_referrer=https:{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2F{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2Fwww.google.se{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}2F

https://safe.capitalfloat.com/cf/offers/businessLoan?utm_source=Social&utm_medium=Facebook_Post&utm_campaign=GIFF-UBL-Flash-Sale-5Aug_ARM

http://fitsmallbusiness.com/how-to-apply-for-an-sba-loan/

https://lendedu.com/blog/difference-between-secured-and-unsecured-loan/

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Lenders in the Millennial Temple: Revolutionising Mortgages in the Digital Age (Content Princess – SEO)

Just a few decades ago, almost no one had internet access. Now, the internet has fully invaded every industry, and housing mortgages are no exception.

The housing market has struggled to grab the new millennial consumer audience. Research has shown that, largely due to the emergence of the sharing economy and changing generational values, young people are not buying homes or cars. Especially compared to their parents’ generation, hardly any young people plan on buying a home in the next decade. Mortgage rates are low, and employment rates are high, but it is simply not a priority for many.

How are mortgage companies capturing millennial audiences?

Instead of trying to rope in young audiences with expansive ad campaigns or through rate incentives, some mortgage companies are taking a different approach. Instead of getting the customer to come to them, they are picking up their businesses and taking it to the customer. And where else could millennials be but – you guessed it- the internet.

It is widely known that millennials essentially live on the internet. They conduct much of their public and private business online. They are the children of the internet age – the expectation is that information on products (in this case, homes) will be readily available, easily accessible, accurate and fast.

Information Access is the key appeal for younger generations

Companies like Zillow, Redfin, and Realtor.com operate well-interfaced real estate search engines that cater to young people’s preference for finding information online rather than heading to an office or hiring a real estate agent.

This online search capability gives a sense of power to the buyer, as they feel they have more control over their finances and future when they are secure that they have accurate information and are not being taken advantage of by a salesperson.

Online mortgages have also entirely changed the lending market. By moving from banks to the web, more people can take out mortgages and gather information about the best rates.

Most millennials want to do as much of the home buying process as possible by themselves, but eventually many also want the affirmation of a real, expert agent. Therefore, even though mortgages are being steadily shifted online, it can never quite push out the importance of loan agents and realtors.

There are plenty of benefits to online mortgage boom, but some negative impacts as well

Online mortgages are often available at the lowest possible rates, but without the help of an expert to walk you through the entire process and regulations. This could lead to additional costs down the line due to a lack of understanding of the terms of a mortgage. However, current technology has made us biased towards the belief that most large purchases can be done very quickly, an aspect where online mortgages have a huge advantage over traditional ones.

Advisory HQ published their recent list of the best-rated online mortgage companies, including:

-Quickenloans
-AmeriSave
-LendingTree
-Sebonic Financial

These companies all have a few things in common which determine online lenders’ success:
-understandable online interface
-customisable products
-low rates
-fast turnover

Further reading:

https://academymortgage.com/news/article/industry-updates/technology-continues-to-impact-the-housing-industry
http://www.themreport.com/news/origination/05-12-2016/the-digital-revolution-in-the-mortgage-industry

http://www.advisoryhq.com/articles/best-online-mortgage-lenders/

Keywords:
housing market, millennial consumer, online mortgage, online lenders, online mortgage companies, real estate search engine, online mortgage, loan agent, online interface, online search, millennial consumer

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Ace That GMAT- How To Improve Your Reading Speed (Rank Princess – SEO)

With graduation on the minds of a lot of MBA students, the much-feared GMAT is on the tip of everyone’s tongue. This test is considered to be extremely challenging, and with its importance in a student’s career, the stress is even more. It is imperative for MBA students to get a decent score to qualify for a reputed university of their choice.

GMAT stands for Graduate Management Admission Test. It currently stands as a significant barrier to getting into 2,100 schools and 5900 programs all over the world.

With the challenging verbal section testing comprehensions and sentences with challenging grammar, learning the rules of the language becomes a necessity to solve the test under the time limit.

The average reading speed of a human varies from 200 to 250 words per minute, while it is easy to reach a reading speed of 500 words per minute by proper instruction and practice. This means that you can outdo your competition by improving your reading speed and thereby get better Gmat scores.

Keeping the needs of GMAT takers in mind, here are some extremely handy tips to improve your reading speed

  1. Let Go of Poor Reading Habits- There are some common reading habits that readers invariably practice on a day to day basis. Once we are aware of what practices cause our reading to become slower, working towards eliminating such habits can help us double our reading speed. Some of these habits are:

 –Sub-vocalisation: Sub-vocalisation is the habit of pronouncing every word in the head as you read it. This habit is very common in speakers coming from a non-native English speaking background. However, one must try to eliminate this habit as one can understand the meaning of a word way faster than one can pronounce it.

Word-by-word reading: This is another slow reading habit that should’ve been done away with in primary school. If you still carry this habit, try improving your general English proficiency, so you do not need to read the ‘expected’ verbs and pronouns between the inevitable nouns and adjectives.

Regression and Lack of Concentration: These two habits, along with bad reading go hand in hand.

Regression is the habit of re-reading already read material. This problem arises when you do not concentrate enough on what you’re reading.

In a fast paced GMAT exam, regression is a strict no-no. To avoid regression, you can inculcate the habit of running a pen or a pointer against the sentence you’re reading.

In the long run, you need to eliminate concentration issues. There is a whole list of tactics that you can utilise to improve your general concentration levels.

  1. Practice Makes Perfect-This famous one-liner holds perfectly in the case of improving your reading speed. Try to read everything you can get your hands on. Start your day by reading your newspaper. Read books and novels in your free time.

Practice from famous grammar books such as Wren And Martin. Read signboards, leaflets, questionnaires – essentially anything you can get hold of.

Here’s food for thought- An average graduate student only reads 5 to 6 books in their entire lifetime! More reading will surely result in better marks!

  1. Choose Easy Material to Start With- While reading Shakespeare will help at some point in time, starting with complex material is a bad idea. Try to read the works of local authors (who write in a simpler language) and work your way upwards. Also, do not limit yourself to a single author as you might get too acquainted with one writing style.

Professionals recommend the works of R.K Narayan, Sidney Sheldon, and Paulo Coelho.

  1. Learn to Skim Read- Skim reading is jumping over words yet still deriving complete meaning from the material at hand. In a study by useit.com, it has been found that one can derive the same level of understanding of an article by reading only 18{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of it.

Once your reading skills improve, GMAT becomes half the threat that it once was considered to be. Besides helping you to ace GMAT, quick reading skills are something you’ll cherish for your entire life.

LSI Keywords- How to improve reading comprehension for GRE, GRE reading comprehension practice, GRE reading comprehension tips and tricks

Reference Links-

https://en.wikipedia.org/wiki/Graduate_Management_Admission_Test

http://www.gmac.com/gmat.aspx

http://outbeat-the-gmat.blogspot.in/2008/02/gmat-reading-comprehension-tips-tricks.html

http://gmatclub.com/forum/how-to-improve-my-rc-accuracy-117195.html

https://www.mindtools.com/speedrd.html

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