Tuesday, November 15, 2022
Tuesday, September 13, 2022
What are you looking for is all here in best gift choices at Macy's
Thursday, August 25, 2022
Heads Up! GAMES ∙ 2013 Warner Bros.
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Minecraft GAMES ∙ 2011
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Minecraft
Tuesday, August 23, 2022
Monopoly on mobile includes cross-platform online multiplayer
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HS Team App
HS Team App
BUSINESS ∙ 2017
HotSchedules
Friday, July 1, 2022
Why is everyone talking about Upside at this time?
How to improve cash flow for small businesses
(BPT) - The last few years have been rocky times for the 32.5 million U.S. small businesses, according to the U.S. Small Business Administration (SBA). They have faced big challenges such as the COVID-19 pandemic, labor shortages and rising inflation. These firms, which account for 43.5% of gross domestic product, are also facing a lending crunch. The Associated Press reported in April that banks have been less generous with loans. In 2019, about 50% of businesses received the full amount of loans they requested. But in 2021, it was 30% — a steep drop.
Minority- and women-owned businesses also feel they have a big hill to climb when it comes to loans. For example, Black-owned businesses feel they are less likely to secure the full amount of financing they request. For women, a Bank of America study stated that 60% of female business owners felt they didn’t have the same access to financing as male entrepreneurs.
In the face of this challenging environment, more business owners are taking a hard look at how to improve cash flow, from traditional sources to emerging alternatives.
Traditional sources of capital
To fund their business ventures, business owners have typically turned to their personal savings or family and friends. Outside of that, bank loans remain a go-to option because of their relatively low rates. But those loans are becoming harder to secure. Another issue is that many banks require multiple years of financial records, which emerging companies may not be able to provide.
Loan financing also comes with strings attached, such as administrative red tape, restrictions, lag time in receiving the actual funds, and shorter coverage periods.
Another “traditional” route is asset-based lending, which requires collateral. This type of capital has its own detractors, including substantially higher overhead to maintain and higher interest rates over time. Also, lenders prefer liquid assets such as securities, which many business owners may not have.
A third option is factoring programs, which involve businesses selling their unpaid invoices in return for immediate working capital. Downsides include lack of control and higher costs compared to regular loans. Another detractor is stigma — factoring may signal to customers possible cash flow problems.
Alternative sources of financing
Many business owners have now turned to alternatives such as online lenders and crowdfunding.
Businesses with a new product have turned to crowdfunding sites like Kickstarter and Indiegogo. But there can be pitfalls. Setting up a campaign that goes viral and attracts supporters isn’t guaranteed.
Online lending platforms are another attractive form of financing, but while the cash flow may be instantaneous compared to traditional banks, these online loans come with higher interest rates and big late penalty fees. A cursory look at online lenders reveals APRs at 10% or higher. Traditional bank loans are 3% to 7%.
New solutions for financing and managing cash flow
For business owners who find the drawbacks of traditional financing overwhelming or are leery of alternative modes, there is another route to consider when managing cash flow. Increasingly, nonbank companies are integrating bank-like services into their tech platforms, a concept known as embedded finance. These bank-like services could include payments and invoice processing and lending. Advantages of embedded financing, like Plaid or Apple Pay, are transparency, ease of transactions, the capture of relevant customer data, and they offer another revenue stream to businesses.
Business owners who are considering this as a solution should consider speed and ease of payments, costs and other benefits when deciding between platforms. For example, C2FO, a fintech software company, offers an integrated and secure platform where businesses can accelerate the payment of invoices while offering a discount to customers who pay early. An advantage of this platform is improved cash flow, giving the businesses the power to determine the best time and terms for getting paid. Business owners who partner with C2FO also sidestep the red tape and costs of traditional and alternative financing routes.
For another solution, C2FO is now offering the C2FO CashFlow+TM Card, a new card that expands on C2FO’s established early payment system. The process is as follows: Business owners choose which invoices to accelerate, and early payments are sent to the CashFlow+ Card. Where this differs from typical early pay is that there is no discount given to secure early payment when the card is used. Businesses get paid early and in full and then can use the card, which also offers 1% cash back on purchases. Business owners get rewarded for getting paid now so they can expand, transform and innovate — a different approach from more traditional and alternative means of getting capital.
About upside:
upside is a free cash back app that benefits both consumers and businesses.
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Over 25 million consumers are earning cash back every day with GetUpside and over 25,000 merchants are using upside to drive more business to their locations and increase profits.
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My Goal Is To Bring Businesses And People Together In A Way That Creates Value For Both. People Find Stuff They Like! Businesses Find People Who Like What They Do!: Expectations vs. Reality / Your Eyeball Acquisition Specialist All I ask of you is to keep sharing my posts, thank you!
Wednesday, June 8, 2022
2hrs+ (feat. T-Pain)
2hrs+ (feat. T-Pain)
Bigdoggpinc Affiliation
I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. Find ideas for shopping ideas from Bigdoggpinc. There is only one Bigdoggpinc = Big Dogg Productions Incorporated. I make a big deal for you! I cover alot of stores and services that have been posting deals as great or better then the one-time only Black Friday or Cyber Monday offers.
The Hidden Cost of Debt on Your Mental Health and Tips to Overcome
The Hidden Cost of Debt on Your Mental Health and Tips to Overcome
(BPT) - One of the biggest factors impacting mental health is the burden of debt. The Hidden Cost of Debt survey by National Debt Relief revealed that 70% of people believe that debt makes them feel like a black cloud hangs over them, in addition to one-in-three people reporting debt has led to an increase in anxiety and stress. What's more, 69% of people said being in debt has made them withdraw from the things they love.
"It’s time to break the stigma and normalize having conversations about debt and its toll on mental health,” said Dr. Regine Muradian Psy.D. and National Debt Relief Financial Wellness Board Member. “Feeling isolated and alone is common for people facing financial problems, despite it being an experience shared by many Americans. People lose sleep, detach from friendships and feel hopeless.”
As inflation causes the cost of living to rise, more people are experiencing stress related to money. Dr. Muradian shares tips on the best ways to cope with and ultimately overcome the mental impact of debt.
1. Create a master plan and celebrate the steps along the way
Being in debt can make you feel helpless, overwhelmed and isolated. These feelings can significantly impact your mental health and feeling of self-worth. The first step to regaining control over your finances is establishing a plan that allows you to take ownership of your path to becoming debt-free.
Evaluate your total debt owed and break down the micro-steps you need to take to get to your goal of paying it all off. The good news is that there are organizations such as National Debt Relief that are able to help establish an affordable plan and be your supportive coach to regain your financial independence.
2. Prioritize yourself by practicing self-care
It's important to remember that your debt does not define who you are. Carve out time for self-care that helps you feel happy and healthy. Some of the best self-care options don't cost anything, so you simply need to dedicate time in your week to prioritize these activities.
Need some no-cost self-care ideas? Consider walking in a local park, reading a book, taking a long bath, meditating, drawing or calling a friend for a casual conversation.
3. Have transparent conversations with partners and family
The Hidden Cost of Debt survey found three in five Americans have considered putting off marriage to avoid inheriting their partner’s debt and 54% of people believe having a partner who is in debt is a major reason to get a divorce. Many people avoid conversations with partners because of the shame attached with debt.
While conversations around having babies or the prospect of marriage are commonplace at the start of serious relationships, debt and finances are often taboo. Being transparent and open to conversations about finding solutions can help build your relationship up rather than tear it down.
4. Don’t do it alone, find tools to help
Asking for help and finding a supportive community can build confidence and provide direction that makes a positive impact on your finances and mental health.
Take Michelle Ventura from Virginia Beach who found herself in more than $19,000 of debt following her divorce. Overwhelmed by outstanding credit-card bills and legal fees, she felt an immense amount of pressure to get out of debt for her personal well-being and her family's livelihood.
On the brink of bankruptcy, Ventura sought support from National Debt Relief. Their team developed a plan and negotiated with creditors on her behalf, reducing her debt by $9,000, which allowed her to pay off her debt faster than she anticipated.
“Navigating debt as a single mom was incredibly challenging. I felt alone in this journey but working with National Debt Relief gave me the expertise and emotional support I needed to tackle my debt and conquer any obstacle I faced along the way,” said Ventura. “Being debt-free gave me back control of my life. Now I can focus on my family and the people who matter most.”
For support in navigating debt, please visit nationaldebtrelief.com or call 800-919-0828 to learn more.
Thursday, June 2, 2022
Kaze No Stigma
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I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. Find ideas for shopping ideas from Bigdoggpinc. There is only one Bigdoggpinc = Big Dogg Productions Incorporated. I make a big deal for you! I cover alot of stores and services that have been posting deals as great or better then the one-time only Black Friday or Cyber Monday offers.
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Heroic Age
I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. Find ideas for shopping ideas from Bigdoggpinc. There is only one Bigdoggpinc = Big Dogg Productions Incorporated. I make a big deal for you! I cover alot of stores and services that have been posting deals as great or better then the one-time only Black Friday or Cyber Monday offers.
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Chrome Shelled Regios
I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. Find ideas for shopping ideas from Bigdoggpinc. There is only one Bigdoggpinc = Big Dogg Productions Incorporated. I make a big deal for you! I cover alot of stores and services that have been posting deals as great or better then the one-time only Black Friday or Cyber Monday offers.
The world of tomorrow is an arid wasteland. Humans must live in domed cities to escape the threat of mutant Contaminoid monsters.
Wednesday, June 1, 2022
Angel Beats!
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I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. Find ideas for shopping ideas from Bigdoggpinc. There is only one Bigdoggpinc = Big Dogg Productions Incorporated. I make a big deal for you! I cover alot of stores and services that have been posting deals as great or better then the one-time only Black Friday or Cyber Monday offers.
Tuesday, May 31, 2022
Follow me on Diigo....
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I am your Eyeball Acquisition Specialist. Success in life, in anything, depends upon the number of persons that one can make himself agreeable to. Find ideas for shopping ideas from Bigdoggpinc. There is only one Bigdoggpinc = Big Dogg Productions Incorporated. I make a big deal for you! I cover alot of stores and services that have been posting deals as great or better then the one-time only Black Friday or Cyber Monday offers.