5 Reasons ID Cards are Essential for Any Business

ID Card Benefits

ID cards are already a standard part of our lives and they bring a number of benefits to businesses and their customers alike. Here are 5 reasons why ID cards are essential for any business. We’ll focus on practical advantages any business can benefit from and a few examples of proper implementation as well.

Customer Trust

How do your customers know that the person selling something to them is really an employee of the company? A company issued identity card provides that proof, and it builds trust between customer and supplier. Professional photo IDs are essential to service providers who want to prove that they are legitimate service providers representing the firm.

Confirmation of Identity

Your driver’s license or state issued ID card has to be shown when you write a check or perform other financial transactions to prove that you are the person whose name is on the check or credit card. Businesses should adopt ID cards and photo badges so that security guards can readily verify who is actually an employee and who is trespassing. ID cards let you quickly determine who should have access to employee only areas.

You can also use ID cards to determine which children and adults should be in the facility and who shouldn’t. Affordable ID systems let you create unique ID cards for specific events like trade shows or event passes. A side benefit of photo identification is that it helps employees get to know each other, since it lists their name alongside their face.

Access Control

We already touched on how a photo ID system can let you determine if someone should have access to a location they are in. You can take things one step further by implementing an access control system from IDSecurityOnline to create ultra-secure badges that contain magnetic strips. Then your employees – or only the few employees who are authorized – can access certain areas. Whether you’re limiting access to a store room, managing who is permitted in rooms with sensitive records or controlling access to the building itself, photo ID badges can be used to secure spaces.

Simplified Labor Tracking

You can also use badges as a way to verify attendance, capturing data to show that students or employees are in attendance. Or you can install stations to track employee attendance as they swipe a badge instead of relying on paper timecards. You also gain the ability to track their equipment usage. All of this encourages accountability.

Customized Payment Cards

You can use ID badge systems to create custom payment cards. For example, you can use them to create gift cards on demand. Or you can use these systems to issue payment cards for refunds, and you have the same ability to track when, where and how the card is used. Or you could give them away as incentives to your existing customers or potential new clients. ID cards given out as loyalty program cards let you track what people buy and when while giving you an easy way to reward them with coupons and rebates.

Photo IDs in the workplace and given to your customers provide the same benefits as state issued ID cards and quite a few more. The information, insight and greater security resulting from having a photo ID system is worth the effort.

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Things to Do to Stay Healthy at Work

 

From Monday to Friday, eight hours a day, you are stuck on a computer while swinging on your office chair. This could take a toll of your body, you can welcome extra pounds into your body, yield eye strain and bring forth tension neck syndrome. The overall effect is that your productivity at work could become severely compromised which is why it is good to have some tips to rejuvenate your body so that you always stay active and be healthy at work. Below are some of the work place health-promoting tips that can help you.

Take Caution on the Kind of Snacks You Take

Your co-workers could provoke your appetite and cravings by placing snacks on your their working desks and tables. If you like helping yourself with such snacks, you could end up gaining extra pounds in the long which is not good for your health. But don’t worry, you can use the same cravings to promote your health. Take fruits snacks instead of the junky ones so that you attain a perfect health.

Drink Enough Water

Body hydration is very important because it nourishes the cells, make you feel fresh and increase your blood volume in the body for perfect circulation. The general effect of water is complete feeling of freshness thereby making you to productively work. You can either drink water or take fruits that have a lot of water content like water melon, grape fruits or pineapples. Be healthy at work by taking such foods.

Exercise Regularly

 

For your tissues and organs to be active, you need to ensure that you exercise always and regularly. This way, you will always stay alert and mentally active while maintaining a good physique and an optimum BMI. You don’t need to necessarily do a lot of exercises, just take a jog in the evening after work and you would always be physical fit.

 

Good Working Table or Desk Height

You’re working position matters a lot when it comes to your health and general productivity at work. You should not bend or over stretch when working to ensure that you stay healthy and perfectly working. To achieve this, make sure that your hands are parallel to the floor when working on the table or desk and make sure that your thighs are also in a parallel level to the floor when working. This way, you would reduce the fatigue and tiredness thereby making yourself to work perfectly all day.

In conclusion, you can reduce your fatigue and tiredness by adjusting you working levels, maintaining good nutrition and exercising. Your health is very important which is why you should ensure that you do all things possible to stay healthy at all times.

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How to Grow Your Business – Fast!

 

 

 

As any business owner will remember, when you first started your current venture you may have taken time to research and get to know your proposed market. You may also have made a substantial investment in terms of money also, so how can you take the next step? Whereas if you have launched your own startup and managed to build a successful business, then you may be looking to grow your business and expand further, which will depend a lot on the resources that have you available. From time and money, to even growing your workforce and considering how this will affect your return, you need to decide your approach so that you can face your next business challenge. Growing a successful and established business can be challenging, so you will want to consider the following factors if you are looking for fast growth.

Finances

If you are looking to ensure the fast growth of your business, then you will need to know your numbers inside out and make sure that you have enough cash in the bank to help your growth plans. Make sure that you draw up a plan to get your finances in order. Be sure to include any overheads and outgoings that you need to account for, from suppliers to paying your staff and even reinvesting in your firm. If you feel that you could be making a saving, then be sure to change your suppliers or even try and ask for a discount, to help you to keep your costs down. You should also account for dips in your business productivity and sales, as these will be affected by changes in the markets and seasonal trends. Remember also to consider taking out a loan to help get your business growth on the right track. Expert companies such as Bonsai Finance provide help and information about loans. If you are looking to grow your business, then be sure to get your numbers in order so that you can decide which areas of your venture that you need to invest in, to enable your firm to grow, and grow quickly. So, make sure that you know your numbers and take your time to find the right loan to help support your business efforts.

Step Up To The Mark

Remember, when it comes to growing your business and getting the results and output that you desire, you are going to need to make sure that you are ready to step up to the mark. You may even need to go the extra mile and work weekends or long hours, meaning that you have to sacrifice having a social life for the time being. When growing your firm, make sure that you remain focused on one key area at a time so that you can effectively drive and manage your business growth strategy. You should also consider these targets in your financial business strategy, to ensure that you remain on track and within budget. Be prepared to take risks as you will need to go outside of your comfort zone, to ensure that you test the market and identify any niche areas or outlets that will enable you to grow your firm rapidly and with guaranteed success.

Know Your Competition

If you are looking to take on your business market, then it is vital that you increase your research so that you ensure you know your market inside out. From conducting your own market research via surveys or even visiting your competitors to check out pricing, to using online platforms and marketing tools to check any increases or changes in the market that could offer you an opportunity, take the time to learn about your competition. You can also make the most of social media or digital channels to check which products or services they are pushing online and in the digital space too. Where they have failed, there is bound to be a chance opening that will enable you to succeed.

Recruit A Dream Team

Remember if you are looking to grow your business fast, then you cannot do it alone. You will need a dream team onside to help you to put the hours and work in to make sure that you get the results you deserve. From pushing your sales through a bonus-driven team to ensuring that you have a marketing team that knows your business targets, it is vital that you take the time to choose the people that will help you to get the job done. You can take recruitment into your own hands, or you may even want to use digital platforms such as LinkedIn to ensure that you promote any open positions that you need to fill urgently. Be sure to use your other social media channels to promote your firm, and make sure that you are showcasing your company to attract the top talent in the marketplace. When it comes to finding your dream team, make sure that you have a watertight recruitment plan in place to ensure that you have a workforce that is highly skilled and willing to support your business growth efforts.

Know Your Business Priorities

If you are looking to grow your business fast, then you will need to make sure that you prioritize which areas of your company need the most attention. Be sure to get to grips with your finances and make sure that you know your numbers inside out and do not write off taking out a loan to help you invest wisely in your firm. You may also have to spend weekends and late nights working to ensure that your business will grow quickly. Be sure to do your research so that you get to know any competition that you have in the market. Take your time to recruit a dream team that will enable your firm to smash any targets and drives your business forward. Finally, make sure that you remain focused and dedicated. Over time you will notice your business becomes a market leader and you obtain the results that you are after.

 

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5 Financial Planning Tips For Young Investors

 

 

 

Being a young adult can be exciting – enjoying the early stages of a career, having your own place, making new friends – but it can also be confusing and stressful. One of the reasons is money, and learning how to manage it.

In a financial literacy survey of more than 5,500 young adults, the National Endowment for Financial Education and George Washington University found that only 8 percent of those ages 23 to 35 showed a high level of financial knowledge.

“For those just starting their careers or beginning to save for their retirement, the financial planning world can be quite daunting,” says Richard Paul, president of Richard Paul & Associates, LLC  (www.rwpaul.com), a financial advisory firm in Michigan, and author of The Baby Boomers’ Retirement Survival Guide.

“One flaw of our education system is the lack of preparedness it provides for younger investors just starting off. When it comes to stocks, bonds, 401(k)s, and debt, the task of planning is overwhelming to most.”

Paul offers young adults five tips for fundamental financial planning:

  • Automate your contributions. The easiest way to invest is to automatically direct a portion of each paycheck into your investment accounts. “You’ll quickly get used to having less money to spend each month, and your savings will grow automatically,” Paul says. “And if your employer offers a match into your retirement account, be sure to take advantage of that. That’s free money.”
  • Take control of your health. You might think your health doesn’t fit into a discussion of financial planning, but being proactive when it comes to health – whether it’s getting your annual physical or daily exercise – will pay dividends in the future. “A retiree today is expected to spend $275,000 over their retirement on health care,” Paul says. “By investing in your health when you’re young, you can reduce your potential for future health care costs.”
  • Get out of debt. “Paying down your debt reduces the amount of interest expense you pay each year,” Paul says. “And often, people are paying more in interest than they are likely to earn by investing.” Studies show the average American under the age of 35 has between $23,000 and $30,000 of debt in the form of credit cards, student loans, auto loans and other forms of personal debt. According to a NerdWallet 2017 study, the average U.S. household that’s carrying credit card debt has a balance of $15,654.
  • Build and protect your credit. Your credit score is an indicator of your financial health. “The list of people who have an interest in your credit score seems to keep growing every year,” Paul says. “Damaged credit can be costly over time. Pay all bills on time by setting up payment reminders or enrolling in auto pay. Pay down balances on credit cards; high balances relative to total available credit affect your credit score.”
  • Buy into panic, not excitement. If the stock market sells off by 5 to 10 percent over any given month or week, Paul recommends you take your excess cash and buy the dip. “Only use excess cash, not any cash that is needed to pay bills,” he says. On the flip side, when the market is going up significantly Paul advises: “Wait for a correction if you’re sitting on the sidelines.”

“Young people need to know how to plan financially,” Paul says. “There’s a tendency to put it off, but that’s risky. There’s too much to lose. You’re not young forever and without a plan, you’re unprotected for your future.”

 

About Richard W. Paul

Richard W. Paul is the president of Richard Paul & Associates, LLC (www.rwpaul.com) and the author of The Baby Boomers’ Retirement Survival Guide: How to Navigate Through the Turbulent Times Ahead. He is a Certified Financial PlannerTM professional, Registered Financial Consultant, Investment Adviser Representative and an insurance professional holding life and health insurance licenses in Michigan and Florida.

If you would like to run the article above, please feel free to do so. If you’re interested in interviewing Richard Paul or having him provide comments, let me know and I’ll gladly work out the details.

 

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INTERNATIONAL COMPANIES CUTTING COSTS – Wall Street

Over the next few years, a large majority of international businesses are expected to experience a cost cutting drive in order to adjust to lower prices, increasing competition and an unpredictable economy. There are many reasons as to why international businesses are deciding to embark on huge cost cutting drives, with one of the most significant being as a method to significantly transform the company and work towards development and growth. So, how are international businesses choosing to cut costs? Here are just some of the most common cost-cutting methods that those working for international companies can expect to see.

Performance Tracking

Many companies are taking on the lean method of business as a way of cutting costs over time. This involves ongoing performance tracking, something which is laid out as one of the key components of six sigma certification (see 6 Sigma for more information). This type of ongoing performance tracking will help international companies to better determine which costs are necessary, and which are not. Ongoing tracking and evaluation of performance gives businesses a better chance to discover which product lines and/or services are not profitable enough, so that they can cut the cost of these as soon as possible.

Employee Training

Smart employee training is going to see a surge as the cost cutting drive continues for many international businesses. As more and more businesses realize that employee training on a regular and ongoing basis is a smart investment to make, there will be less costs as employees are better equipped to deal with their tasks or any problems which might arise that are not a standard part of their day to day tasks. Although this method of cost cutting may seem more like an extra expense, smart business owners internationally are realizing that in order to cut costs, it is often necessary to make some investments.

Increased Efficiency

International businesses worldwide are attempting to increase efficiency significantly in order to be in with the best chance of effective cost-cutting. Increased efficiency using methods such as replacing manual labour with machines, is likely to speed up hundreds of different business processes, reduce wages, and allow more to be completed in a shorter amount of time. Because of this, investing in methods to create more efficiency in a business is expected to increase among many international companies as the cost-cutting drive continues.

Why Cut Costs?

For a business which is experiencing a positive cash flow, it’s often still necessary to cut costs. This could depend on a number of different reasons, for example the business’ future predictions, their current sales trends, and whether or not there are simply any costs in existence which are unnecessary to the running of the business and can be gone without. This allows businesses to cut as many costs as is possible in order to keep profitability at the maximum.

Is your business planning a cost-cutting drive? Why, and how do you plan to cut costs? Join the discussion in the comments below.

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IS BITCOIN THE NEW EVERYDAY MONEY

Bitcoin has created a whole industry and a new way of doing business that one could doubt even its maker never thought possible. From its days of obscurity to its fame and notoriety, Bitcoin today is among the most hotly sought commodities in the world. But is it the alternative every day currency that Satoshi Nakamoto hoped it will be? Let’s find out…

The Economics

Bitcoin in its present form faces serious challenges as it has retracted from being the cheap means of transaction to one that has become completely uneconomical for everyday transactions when it comes to micropayments. Bitcoin miners are allowed to set their own fees for verifying transactions and as such transactions with small fees attached to them often go for days without being verified as the miners don’t find them lucrative. It is estimated that it costs up to $24 to send about $10 in Bitcoin which is just not a feasible number for businesses and customers who wish to pay in Bitcoin

Speed or Lack Of In Transaction

A perfect everyday transaction money is one that moves fluidly and very swiftly from the paying party to the recipient in the least possible time. What makes credit card payments popular is the little time it takes to process them, and this is something Bitcoin in its present state cannot just compete with. Bitcoin is only able to process a maximum of 4 transactions per second which is just not enough for a currency that could potential have millions of people trying to conduct their transactions all at the same time.

Usability

One of the other indices for the use of Bitcoin as an every currency is the safety that comes with its payment. Bitcoin transactions are completely irreversible once initiated and as such it stands at a disadvantage when compared to Ethereum and other cryptocurrencies that allow for the use of Smart Contracts which protect both buyer and seller.

Value

When it comes to actual value Bitcoin stands heads and shoulders above any other blockchain product as it is several times the value of its closest rival on the market. The hike in Bitcoin’s value has seen the increase in the reluctance of its holders to spend it on their day to day transactions, preferring to hoard it, which is why a lot of people tag it as the digital equivalent of bullion gold.

Conclusion

With a very cumbersome transaction process and high fees, Bitcoin stands at a great disadvantage to fiat as well as other cryptocurrencies that offer more efficient service, but its high value makes it the best option for storing value as far as cryptocurrencies are concerned. Therefore if you are looking for a currency to pay for your pizza and ice cream Bitcoin might not be your best choice.

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Strategies To Boost SEO For Your Financial Website

Today Digital Marketing become one of the significant keys for a various platform and as time pass it will become one of the potential platforms.The internet is highly used to promote a business because most of the people are depending on the internet for every activity and hence depending on the internet for developing business is becoming very common.There are so many e-commerce websites and you can get every type of product on the internet.To seek customers towards your website the SEO of a website is a vital factor as it directly affects your business.Therefore before opting for online business practices for  SEO boosting should be considered well.

SEO management practices

There are various ways of online marketing.For better exposure of your product to get large numbers of users from across the world digital marketing will help you in a better way to take your business one step forward.To do say there are different types of practices for search engine optimization management and you can apply them to your website.Because a website is an essential component of your online promotion.Pay special attention to its design and structure and get a maximum outcome from it.Here are some tips that you must consider for boosting of the search engine optimization for your website.

Sponsored posts

Once you built a reputation of your website you will start getting endorsements for it and sponsored or guest post are part of it.To recognize your work there are chances that you will get offers for sponsored or guest posts.When you start sponsored post be sure that the content must be quality content, opinions must be honest and must be user-friendly.The most important factor is to be considered that you should only opt for sponsored posts which are well related to your website and must be informational which provide value to users.You can get more different topics through Sponsored posts to elaborate your website.Just maintain the reputation of your website while doing sponsored post by selecting post which is suitable for your site.

Social Media Practices that Help Boost SEO

 

It is important to connect or tie up with another website for boosting the SEO ranking of your website. But care should be taken while link back to other sites, don’t link back frequently without any reason because its affect your SEO traffic.because this factor is considered a malpractice in the world of SEO management.If you have a business website the ranking of the site is crucial because it is not easy to get search engines if your site did not get the consistent user through the internet.The website should be relevant to your websites with you are working with so that readers should get a related link to your website and do not feel cheated.

Get Help of expert

There may be a situation when you face difficulties or get confused about how to handle SEO traffic or website ranking. then you can take help of a professional expert.There are so many agencies which help you or provide authentic ways to manage your website and also business promotion works.Nowadays many businesses which help you to find appropriate SEO management agencies according to your need.

Conclusion

It can be concluded that To get the proper kind of practices for your business SEO management services are essential.You can manage lots of things your own by studying or searching the internet but same time kept the thing in mind that practices should be legal.

 

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3 Ways Technology is Changing the Car Insurance Industry

 

Close up hand of woman holding smartphone and take photo of car accident

You’re probably familiar with the many ways technology is changing how you drive – whether it’s driver assist technology helping you make decisions behind the wheel, built-in cameras giving you a 360-degree view of the road, or energy-efficient advances helping you spend less on gas. But new technology isn’t just changing the way you drive, it’s also changing the way you’re insured. Read on to learn about three advances in technology that are revolutionizing the auto insurance industry.

Telematics devices

What if you could prove to your insurance company that you are a safe driver – and reduce your premium as a result? That’s exactly what insurers are offering with Usage-Based Insurance (UBI) plans. Under this type of plan, drivers install a telematics device in their car to record information about their habits behind the wheel. In return for their data, drivers qualify for a small discount to their premium upon signing up for a UBI plan, and a potentially larger discount when they renew – depending on their habits. If you’re hesitant to share this much information with your insurance company, read these news stories:

  • One insurer reports that 70 percent of drivers with this type of plan earn some kind of discount.
  • A study by the University of British Columbia showed that real-time driving feedback resulted in better habits for most participants.
Something to also be mindful of is that insurance companies are not allowed to use the information they collect to raise your premiums or deny you coverage – only  a discount.

Machine learning

Thanks to the internet, shopping for insurance is easier than ever. There are many sites online that will allow you to quickly compare multiple quotes from insurers so that you can find the best – and most affordable – plan. When it comes to servicing clients online, one company that is leveraging machine learning to raise the game is Kanetix Ltd.

Machine learning refers to a type of artificial intelligence in which computers are programmed to “learn” by themselves as they are exposed to more data and new experiences. In this case, Canadian firm Kanetix Ltd. partnered with Integrate.ai to offer customized buying experiences to their users. Leveraging their website’s deep pool of data, they were able to predict a customer’s likeliness to purchase insurance – and tailor the next steps of their buying experience based on the information. The result? A win-win scenario for Kanetix, which saw an increase in lead generation and marketing ROI, and their customers, who benefited from an improved online experience.

Autonomous vehicles

Experts have predicted that self-driving cars could save Canadians $65 billion a year in reduced fuel costs, fewer collisions and decreased congestion, making autonomous driving technology an exciting trend. Even self-driving cars, though, will require human co-drivers who are paying full attention, otherwise, they’ll still be susceptible to collisions – like in this case where a Tesla Model S that was in autopilot mode caused a fatal highway accident. So what does this mean for the auto insurance industry? Insurers will need to have policies in place to determine who is liable for an accident that involves an autonomous vehicle: the maker of the vehicle or the human driver. U.K. lawmakers have proposed a vehicle technology bill that suggests the manufacturer of a self-driving car could be liable in some instances, rather than the ‘driver.’ Under the bill, insurance companies would need to offer two types of insurance for autonomous cars: one to account for when the car is operating on its own, and one to provide coverage when the driver takes over.

 

For the most part, these trends are just emerging, so it’s impossible to say for certain what the car insurance industry will look like as technology advances. It’s safe to say,  that as we change the way we drive, there will be many new opportunities and challenges for insurers in the future.

 

 

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The Benefits of Online Trading Platforms

These past few years have been very important for the development of cryptocurrencies. Many have even come to crown 2017 as the year of the Bitcoin as this topic has been at the forefront of discussions worldwide be it on the news, online, in magazines, among friends & family etc. Naturally, with the increased interest that this topic has been sparking many have decided to jump on the bandwagon and learn how to trade and invest online. There are many things that beginners must be aware of when it comes to trading cryptocurrencies such as the use of an online trading platform.

Essentially, this trading platform is a software that brings traders and investors together in one place and allows them to buy and sell their currencies and other financial instruments. There are many different trading platforms available and are predominantly offered by brokers either for free or for a minimum amount of trades per month.

These online trading platforms offer many benefits when compared to traditional brokers and financial dealers. For one, it’s quick and easy to use and secondly, they offer a number of educational opportunities to help investors learn more about dealing and trading a number of commodities, shares and currencies.

The added convenience of being able to access your online broker whenever you wish, be it day or night, is also another great feature allowing for more flexibility. Further advantages of online trading platforms include:

1. Ease of dealing

Gone are the days when trading involved calling a broker to arrange for purchases or sales. With online trading it’s all done in just a few clicks and it’s rare that traders need to speak directly with their broker.

2. Affordability

Online trading is very affordable, as more and more brokers are offering online trading, the costs of dealing has decreased considerably, thus allowing traders to benefit from greater income when successful trades are made.

3. Greater control

As previously mentioned, online trades can be conducted at any time day or night, allowing traders to choose when they choose to trade. Additionally, trading can take place via mobile device or laptop, allowing for even more flexibility and freedom and trading on the go.

4. Real time trading

Online brokers offer real time prices and an advanced interface, so traders can keep an eye on their deals at any time and get the most up-to-the-minute prices.

5. Faster transactions

Online trading is extremely fast. As soon as an account has been set up with an online broker, trading can take place immediately as long as sufficient capital is in the account. There are numerous online trading platforms out there, trading with IG offers all the above, plus the knowledge that you’re trading with one of the most popular and trusted online brokers on the internet. Make sure to spend enough doing due diligence and familiarizing yourself with online trading in general including the different trading strategies that are available to help make the most of your trades and have a better overall knowledge of the industry.

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