How to Get Rid of Debt when you’re on a low income

Getting a loan is never a bad thing, especially for a businessman, you only need to ensure the potential yield of the fund will be enough to service the debt.

It’s unfortunate, you don’t have control over everything that happens to your business sometimes, like this COVID-19 pandemic that has shut down businesses for five months now.

When you’re struggling to pay off your loan, then you need to stretch inward to servicing your debt and get out of the woods.

How to pay your loan if you don't earn much

How do you get out of Debt?

The first step to take is to evaluate your financial situation.


  • Estimate your income, assets, expenses, and liabilities

You can use a financial planning tool like the loan payment calculator to calculate your interest rate and payment frequency.

Pigly loan tools and several other calculators can help in planning your loan payment from the start.

You can use their budgeting, investing, and retirement tools to manage your income and expenses.

For example, you need to take out your fixed expenses (loan payment especially) from your income first before planning on the income.

This will help you to stretch inwards in your expenses and also finding better alternatives (in terms of costs) to the goods and services you pay for every month.


  • Stretching inward to generate more money

When your sales are high, you should pay more than your regular monthly loan payment, this will enable you to pay less when sales are averaging.

You can also repay your debts from your other income and resources, depending on your income to expenditure ratio.

This will help you out when you suffer a small monthly loss in your business or when operating cost increases.

You can as well reduce your expenses or try to generate more income from your assets through rentals.

You can lease your properties, offer some of your assets, and even fixed liabilities for rental. Just look inward and you’ll get more ideas.

For you to manage your expenses well, you need to keep a notepad to list all your main expenses for evaluation and adjustment.

You can also utilize your free time to earn more. In this modern time, working at home even at late hours is not a possibility but a reality.

There is an unlimited number of things you can do online to make more money, the earlier you start it now, the better.


  • Applying for a Personal Loan

A personal loan is easy and you get approval quickly.

It has several advantages over other forms of loans.

Some of which are low-interest rate, flat interest rate, collateral is not usually required, most banks offer it to their clients.

Since a personal loan is easy and the interest rate is low, you can use it to pay off your expensive debt.

Are you in debt, you can try credit unions to get a quick personal loan.

You can start the application online, click on the Get a Loan tab from the homepage, select the loan type – personal loan.

Next is to select the purpose, the amount needed, how quickly you need it, residence status, credit score, employment status, pre-tax annual income, DOB, and personal details and submit, it’s as easy as that.


  • Through Out-of-court debt settlement

Out-of-court debt settlement is based on a professionally prepared debt settlement plan.

This contains a comprehensive list of all your income, the claims of the various creditors against you, and concrete settlement proposals to your creditors.

The debt settlement plan is used to submit settlement offers for debt relief to your creditors while disclosing your financial situation.

For example, a creditor who has a claim of $10,000.00 against you could be offered the payment of $4,000.00 on the condition that the remaining debt is canceled.

Creditors often respond to such offers because they fear that they will receive less in insolvency proceedings due to their disclosed financial situation.


  • Making residual debt discharge after insolvency

All creditors must agree to the out-of-court debt settlement plan. If this can not be achieved, the out-of-court debt settlement has failed.

In most cases, this is followed by insolvency proceedings, which are opened by the insolvency court upon request.

Even in insolvency proceedings, there is still a chance of reaching a settlement with the creditors.
The failure of the out-of-court settlement of debts does not mean that agreement in the insolvency proceedings is also ruled out.

The opening of insolvency proceedings increases the pressure on creditors to accept an offered settlement proposal so as not to go away empty-handed.

If no agreement can be reached, the so-called “good conduct phase” must be observed in private insolvency, after which residual debt discharge is granted.

There are ways of reducing the normal duration of the good conduct phase from six years to five or even three years.

This may require, for example, the payment of the full costs of the proceedings or the payment of a certain percentage of the debt.



It is not easy to adjust your expenditure when you’re on loss in business, especially with many liabilities.

But you’ve to determine your income and expenses to understand your financial status and plan to get out of the debt.

Getting your real net income is very important before you can even think of developing any plan or getting a debt counsel.

If your financial status is buoyant to liquidate your debts, it will be easy to employ the tips on how to reduce your expenses.

If needed, you can create another stream of income to offset the debt, it’s all on what works fine for you.

How to Avoid Tax Fraud From Cyber Criminals through Phishing & other Tricks

The IRS claims to have foiled 1.4 million endeavors of assessment misrepresentation identifying with data fraud, worth $8 billion, and another $2.9 billion in different sorts of duty extortion.

What is expense misrepresentation? How can it happen? By what method would you be able to secure yourself and avoid charge extortion?

Charge misrepresentation can happen when somebody utilizes another person’s personality to record an assessment form and gather a duty discount that isn’t his or hers or when somebody distorts charge data, for example, swelling conclusions to produce a bigger expense discount.

How companies can prevent tax fraud from cybercriminals

Below Are Some Tips To Shield Yourself:

Phishing is one of the “Grimy Dozen” assessment tricks, a rundown of regular deceitful duty plans aggregated by the IRS.

Utilizing this strategy, lawbreakers send you an official-looking email that deceives you into clicking links and going to sites that look like IRS pages.

These beguiling email senders might likewise put on a show to be your assessment programming supplier or monetary organization.

You might be coerced to enter individual data, which then might be utilized to document a false assessment form or confer different sorts of wholesale fraud.

A phishing email might have a headline or message that references your duty discount, Form W-2 data, or assessment account. It might even alert you about misrepresentation endeavors for you.

Con artists could likewise introduce malware on your PC when you tap on connections and visit certain sites.

This malware might catch your online movement, for example, the destinations you visit and login data, permitting cheats to take from your money related records and confer expense misrepresentation.

By and large, the IRS does not start correspondence through electronic means, for example, email or online networking messages.

If you’re suspecting your computer to have been infected by a virus, you can remove the virus immediately and also protect your system from further attack in the future.


Try Not To React To Suspicious Calls

Try not to react or give out your data to anybody you’re uncertain of.

Another way identity theft could be possible is when you’re not very careful with how you dispose of junk and other unused papers which some might’ve your details.

To check if a caller is really an IRS representative, acquire the individual’s name, identification number, and call back number.

You ought to additionally take note of his or her caller ID.

At that point contact the IRS at 1-800-366-4484 to affirm that the guest is a genuine IRS operator with a real need to get in touch with you.


Look At Your Accountant

How to prevent tax evasion and fraud

The IRS urges citizens to be finicky while selecting an expense preparer.

For the most part, anybody with an IRS Preparer Tax Identification Number can offer assessment planning administrations.

However, just enlisted operators confirmed open bookkeepers and lawyers can speak to citizens before the IRS in all matters.

Before picking a duty preparer, consider confirming his or her certifications and looking at any disciplinary activities.

Check the IRS’s registry of government duty preparers, your neighborhood Better Business Bureau and any accessible state assets, for example, a catalog of expense preparers or the state lawyer general’s office.

There are also several reputable software options for free tax preparation if you feel equipped enough to handle it on your own.

Warnings that might raise worries about the expectations of an assessment preparer include:

  • Promises to give you a bigger discount than other accountants.
  • Calculates expenses in light of a rate of the discount, not a level charge or hourly charge.
  • Tries to offer you additional administration, for example, an assurance that the duty preparer will repay you if he commits an error.
  • Promises to determine charge obligation for pennies on the dollar.
  • Asks you to sign a clear return or documents the arrival without your endorsement.
  • Fails to sign your forms and doesn’t give you a duplicate.
  • If you have worries about an assessment preparer, consider searching for another expert to help you. You can report misrepresentation to the IRS or the proper state organization.


Watch Your Letter Box

Charge data is frequently sent through normal mail. If your post box isn’t secure, cheats can take individual and money related data, for example, insights about your income, from W-2 and 1099 structures.

One expert, Cameron Huddleston recommends checking your post box to make certain your tax documents and classified data aren’t captured by a criminal.

Call the IRS on the off chance that you think data may have been stolen.

For the most part, you ought to get tax documents the week after their due dates, taking into account mail conveyance.

7 Things to Incorporate in Your Startup Business Plan

An entrepreneurial career is a subtle mixture of sheer excitement, value, and setbacks, but this is what it takes to bring success to startup businesses.

Speaking of which, the initial days of your startup business will undoubtedly be a challenging one where you will have to audit most of the decisions by considering their value in the long run.

This also includes creating a long-term business plan revolving around the present-day situation of your business and the value of your idea in the market.

You may think that creating a business plan is a waste of time when you can work them out on the go, but this is where most of the startup businesses are failing today.

The major cause of a startup business’s failure is not being competent enough to survive in the market due to a lack of planning.

If you are wondering how to craft your business plan that will help you thrive in your entrepreneurial career, here are some of the major things that you should include in your planner:

how to plan and start a business successfully

Include an Overview

When it comes to crafting a business plan for your startup, the first thing that you need to include is a brief overview of what your company does and why you came up with your unique business concept.

In simple terms, let the people know who you are, what you do, and what you desire in the future in the form of an executive summary.

When you are done briefing details regarding your brand story, you can concentrate on elaborating about your products and services that you currently offer and what else you have planned in the bucket that will benefit the audience to the utmost level.

You can read more on business plan components to help you to present your company’s, customers’ and market’s analysis, competence, and strength over others.


Bring Forward Your Management Team

Conferring the present-day state of your startup business is really important for an entrepreneur who is looking for long-lasting success in the market.

It will help the people understand that how you started everything from scratch and what were your achievements till date.

Now, it is obvious that one person alone cannot run an entire company no matter what is the size of the business or in which industry it does operate in.

Bring forward your team and the people who are already a part and entirely invested in your business.

Make sure that you provide a proper description of the current management team that will include the size of the team, along with the respective experience, accomplishments, and skillsets.

This is where you can get a hand over the financial investors who would be funding your startup business. 

This can also help you in getting a financial loan approved in your bank

After all, everyone is looking to invest their resources in assets and you should provide them with the information regarding that. 


Lend a Tidy Overview of Your Product or Service

After you are done showcasing your team, it is time to extend your efforts in explaining your existing products and services that you are offering to the market.

Make sure that everything you present is concise with an underlining informative statement.

This will help you in making your target audience understand the value and benefits of your offerings in broad detail.

This is an important task that you need to perform keeping in mind that your audience is not familiar with the offerings of your business, which makes it more than important to be thorough while spreading your message.


Know Your Customer (KYC)

Understanding your niche or target market is really important, especially when have just begun your startup business.

Whether your market is old or young, it is important to learn all the important details that will help you in understanding their needs and wants.

Once you are able to retrieve that information, it will become much easier for you to market your products excessively.

This can be easily done when you are able to demonstrate that you are mindful of what you are selling and how it can help in making their lives easier.

In addition, it will show your competency to your investors and will help in keeping the revenue intact.


Identify Your Competitors

Listing your direct opponents is critically important while crafting your business planner.

After all, having a healthy competition will only help you in making your offering much better than the others.

Ensure using your business plan for knowing your opponents in the market who more or less sell the same product and service like yours.

Evaluate their business operations in terms of their team size, the range of products, financial results, performance, and overall reputation.

Once you are able to break the mystery, you can work on making yourself unique and different that will automatically bring more light to your business.


Set Realistic Goals

Having equipped with groundbreaking aspirations is perhaps the biggest reason why you landed up brainstorming your startup business idea.

However, it is good to be ambitious and greater to be high aspirations, but it is best to remain practical and realistic when it comes to setting business goals while creating your startup business planner.

You will have to set goals following which you and your team can get motivated and excited to drive their efforts in achieving them rather than getting confused and nervous.

Planning for steady development will keep the sustainability intact in your operational business.


Mention Your Risks with Honesty

Running a startup business is always a risky one given the fact that markets keep on changing every day.

Whatsoever the case might be, be honest while listing your risks in your planner.

Mention how you have managed to minimize and avoid the risks such as debt and working with firms after going through debt settlement reviews.

Highlight your readiness to cope with the situation by adapting to it brilliantly.



The above-mentioned tips will hopefully help you in structuring your business planner.

Make sure to include the unique essentials of your business venture and bring yourself and your business together that will make your clients and customers comfortable.

Follow your dreams and work hard to make them a reality.

How Marquee can make a meaningful Difference to your Events

Considering a marquee for your wedding venue

When you’re planning your wedding, you have that much to plan that it is often overwhelming.

Whether you’re arranging the food, the outfits, the photography, or the flowers, there’s certainly plenty that you have to do.

When it comes to choosing the venue for your wedding, it’s difficult. Not only is there so much choice, but it’s also difficult to find something which really suits you and your partner.

In fact, there might be nothing close to you which evidently suits you and your needs.

If this is the scenario you’re in, why not consider the option of hiring a marquee for your wedding venue?

Advantages of using marquee for your events

What’s a marquee?

A marquee is a fantastic alternative to a brick and mortar venue for your wedding reception.

A marquee is basically a classy tent. Whilst a tent might not seem like the best place to host your wedding reception, it’s actually possibly the best option that is available to you.

Got another event coming up that you need a venue for? Marquees are excellent for all sorts of different events.

If you’re hosting an office party, this could be an ideal venue.

If you’re trying to impress potential clients with an exciting event, this is also excellent.

You don’t need to buy a marquee either: you can simply hire a marquee for as long as you require it so that you don’t have all the hassle and expense of actually buying your own marquee.


The benefits

Location: If you rent a venue for your wedding reception, you have very little control over it. One of the big things is the location.

Although your wedding reception venue might be beautiful inside, the surroundings might not be what you ideally want for your event.

With a marquee, you can have it placed wherever you like (as long as you have permission).

This means that theoretically, you can have your wedding reception in a location that appeals to you the most.

This is a fantastic opportunity to hire a marquee and make your wedding day even more personal.

You also don’t have to worry about being close to the property as you can hire all the facilities that you require as part of your marquee.

This means that you can have facilities such as toilets, so you really can just host your event anywhere.

Personalization: When you’re looking for venues, is there ever going to be one that’s truly perfect for you?

Whilst you might find venues that you find attractive and suitable, you might not find something that truly connects with you and what you want from your wedding venue.

You’ll just have to make do, right? That isn’t true anymore. If you hire a marquee, you have a lot of options when it comes to personalization.

Is your ideal venue too small for the number of people you’re inviting to your wedding? When you hire a marquee, you can have it designed to the size that’s best for you.

Not only can you choose the size of your venue, but you can also adjust other things such as having a dancefloor, a banquet, and toilet facilities.

This means that you can truly create the venue of your dreams so that you don’t have to choose one that already exists, you can create your own.


Is a marquee for you?

Despite the massive benefits that you can get when you hire a marquee, that doesn’t mean that it’s for you.

Generally, it depends on how ‘big’ your event is: If you’re only going to be inviting a few members of your family to your event, is it going to be worth hiring a marquee and all the facilities that you require?

If you’re having a big wedding, it’s perfect for you. You can have all the control you desire to tailor it to what you really want from your wedding reception.

Social Media Evolution – Explore New Marketing Trends

According to the Digital Marketing Institute, 88% of  19 to 28-year-olds use some form of social media.

There’s no denying the fact that social media channels have become a part of human culture.

By penetrating every single market on the planet, these platforms allow users to exchange ideas, stay in touch with loved ones, and share entertaining content.

The evolution of the social media platforms and change in marketing approach

A New Marketing Trend Evolved

From a business perspective, social media channels like Facebook have allowed marketers and businesses, in general, to connect with consumers like never before.

These networks offer unmatched targeting options thanks to the amount of information they collect.

But, marketers still need to implement a structured strategy in order to craft successful social campaigns.

One of the main reasons social media has gained and maintained its popularity is the fact that this industry moves with technology.

More powerful devices allow social platforms to feature personalized news feeds, live streams, video ads, and other innovative elements. 

Today, social media channels are still very popular. But marketers find themselves in a crucial time where there appears to be a major shift in the industry. 


Social Media Global Statistics

In addition to looking at each platform individually, marketers should also analyze the overall performance of the campaign to make the right adjustments.

Cutting-edge advancements, changes in policy, global incidents can all affect the way consumers behave on social channels.

Savvy marketers and business owners should monitor the industry’s landscape and learn to read the patterns that start showing. 

Our team has taken the time to analyze current trends in order to make projections for the future of social media. Here’s what we’ve found:



Out of the 4.5 billion people actively using the internet at the beginning of 2020, 3.8 billion are on social media.

The adoption rate of social media channels has increased by 9% compared to the same time last year, reeling in more than 320 million new customers. 

With more than 49% of people in the world using some form of the social network, marketers need to take advantage of and start generating leads through these platforms.

However, there are already more than 3 million companies actively advertising their products and services on Facebook alone.

For this reason, having the tools to research each channel properly can help companies invest funds in the right areas.


Product Discovery

Social media platforms have evolved from an entertainment and communication hub to a functional part of society.

It’s common for consumers and businesses to find the services and products they need through these platforms.

This can occur by asking friends, conducting a search, or joining a group, so making these networks a great place to promote your goods.

29% of 16 to 44 year-olds discover new brands and products through social media.

Not only this, but 43% of all consumers are reported doing research for a product or service through social media channels.

As for conversions, more than 13% of all consumers agree that having a “buy” button directly on their feeds would increase the chance of them making a purchase. 



Research suggests that digital consumers spend almost 2.5 hours on social media every day, which is spread across an average of 8 different profiles.

Keeping users engaged has been a huge challenge for marketers since the inception of social media.

Creating entertaining and valuable content is key, but scheduling posts at the right time and spreading them out properly is the only way to get attention from your audience.

Best Social Media Platforms for Business Marketing

All social platforms have their specialty or defining characteristic.

More “orthodox” social media channels like Facebook have multiple features that attract users, while specialized platforms like Instagram focus mostly on one element.

The popularity and demand for each platform fluctuate according to what consumers’ interests, so marketers need to look at the individual performance of each platform to determine if their reach is big enough.

best social media platform for marketing and how to use them


Facebook first became available to the public in 2006 and has since become the most popular social media platform in the world.

Today, the company is worth almost 95 billion US dollars. The social network has invested billions back into its operations, acquiring WhatsApp in 2012 as well as Instagram, which we’ll discuss later in this post.

This platform has almost a 2.5billion monthly active users and it adds about half a million new accounts every day.

As if that wasn’t enough, 51% percent of US adults report using Facebook multiple times per day while 40% of all accounts are used for reading news and informational purposes.

Considering the above, it’s worth noting that the announcement of Facebook Zero has drastically changed the way marketers will be able to use the platform.

Those who get ahead of the wave and start developing potential content early on will have a crucial advantage over their competitors.



Unlike traditional social media accounts, Twitter’s specialty is the dissemination of information via small text snippets widely known as tweets.

Although consumers have to get used to the minimalist nature of the platform, Twitter allows companies to create a stronger connection with a more exclusive market, which is regarded as being more affluent than the average user base.

While Twitter doesn’t have Facebook’s reach, many marketers argue that content on this social media platform is much more engaging.

500 million tweets are being sent out every day, which comes from roughly 330 million monthly active users.

1 in 5 adults uses Twitter in the US and 42% of users check the platform every single day.



Anyone who’s ever used Instagram understands why this social network is almost addictive.

It focuses on sharing images, videos, live feeds, and other super-engaging content that consumers simply love.

Instagram is ideal for companies that want to attract young customers through their content as 71% of users on this platform are under the age of 35.

Instagram was acquired by Facebook a few years ago, but the picture-centric social network has never been more popular.

There are 1 billion monthly active users on Instagram, half of which use the platform daily.

And, even though Twitter invented the hashtag, Instagram users have transformed this quirky practice into an art form.

The average Instagram post includes about 10 carefully-selected hashtags that allow the content to reach a broader audience. 



YouTube is the premier video sharing platform that’s used by consumers, media outlets, companies, and every other entity on the planet.

It’s estimated that every minute, users upload around 500 hours of video content to this platform.

Whether users are looking for a funny cat video, a recap of a match they missed, or a how-to video, YouTube is the place to go.

From a business perspective, it’s important to understand that each visitor spends just under 12 minutes on each visit.

About 7 out of 10 videos that people watch are suggested by the platform’s recommendation algorithm, which means that YouTube has a profound knowledge about its viewer base.

This can be translated into better placement and more effective ads.



If there is one platform that has remained user-centric since its inception, it has to be Pinterest.

Despite the fact that it revolves around creating boards, Pinterest attracts users because it’s relatable, easy to use, and practical.

According to official numbers, there have been more than 200 billion pins saved on the platform by more than 335 million users.

In the US, Pinterest is already the third-biggest social channel, with close to 43% of internet users having an account.

To top it off, households that have a higher income are more likely to have a Pinterest account, so users tend to have more acquisitional power when compared to other platforms.

5 Best Ways to make Money with Bitcoins

This year, the attention of investors in digital money will focus on the leading cryptocurrency – bitcoin.
So also attention will be on the development of the cryptocurrency derivatives market and mining.

How can you now benefit from this growing market?

With Bitcoins, you can make money not only by trading but also by mining, cloud mining or even exchanging against other currencies.
Today, I would like to discuss five ways you can make money with Bitcoins.
  • Trading Bitcoins yourself

The first way to make money with Bitcoins is to buy the cryptocurrency or trade it.
You can trade bitcoin with crypto brokers where you will be able to buy and sell any digital currency, or preferably Bitcoin.
When trading Bitcoins, you make money only when you’re able to sell higher than the price you buy.
You can employ candlesticks patterns to identify a bottom reversal for buying and sell when there is a huge supply capable of depressing the price.
  • Trading Bitcoins via CFDs

Another way to make money with Bitcoins is to trade the cryptocurrency through Contracts For Difference (CFDs).
In this case, you do not buy coins directly but speculate on rising Bitcoin prices using the Contracts For Difference.
This option is currently very popular with many traders because CFDs use leverage so that only a small part of the trading value has to be raised by the trader.
  • Binary Options on the Bitcoin

The third way to make money with Bitcoins is to trading binary options.
Some Binary Options brokers currently already provide cryptocurrencies as underlying assets, especially the Bitcoin.
However, when trading Binary Options, you should keep in mind that they always have a limited duration and you will usually have to decide whether the price of the Bitcoin at expiration is higher or lower than when you bought it.
  • Bitcoin Mining in the form of Solo Mining

Another profitable way in which you can earn money from Bitcoin is through mining but this method is expensive.
This is not about buying bitcoin crypt or speculating on its price, it involves producing Bitcoins yourself.
In so-called solo mining, you are on your own, so you must observe all the requirements for mining the coins.
This includes, for example, that you have a powerful computer with the appropriate hardware, software for mining is required and you should not forget that high electricity costs must be taken into account for mining.
In the last few weeks, a new way has been established: Masternodes – passive income by securing the network.
  • Cloud mining as an alternative to solo mining

Another way to make money with Bitcoins is what is known as cloud mining.
This has become a real trend over the last few years, as it gives almost any interested party the opportunity to participate in Bitcoin Mining.
In this case, you do not have to use hardware and software yourself and there are no electricity costs.
Instead, you transfer an investment amount of your choice to the cloud mining provider and are rewarded at regular intervals on a pro-rata basis.
The mining market is becoming increasingly mature. We do not expect a very high profit from crypto-currency mining unless its price starts to grow rapidly, as it was in 2017.
At the same time, mining continues to attract institutional investors.
Today, the market is saturated with equipment. Manufacturers have learned how to increase their sales flexibly and quickly.
These are a driving force for network growth and keep mining profitability at a relatively stable, moderate level.

How to run a successful small business – No brainer Guide

It is not easy to build a business. It takes a lot of blood, sweat, and tears to take a startup to the verge of success.

Though in this technology-driven era, experts consider it as the best time for startups.

Yet, a lot of startups still become failures due to different reasons.

In spite of having innovative ideas and fresh concepts, startups can not emerge in the big picture due to management issues or lack of vision from the entrepreneur.

However, the good thing is that many entrepreneurs have shown the way for taking a startup business to the desired success level.

There is no fixed template to become successful, as different businesses are required to be managed in different ways.

However, a few things can be followed by the entrepreneurs to ensure that the business is going in the right direction.

Discussed in the following section are some of the ways of building sustainable startup companies.

How to grow small business to a big company

Building up Faith in your Startup Business 

As an entrepreneur, one must have confidence in his or her abilities.

A business owner or startup owner should always be a confident person, having belief in his ideas and skills.

It would not be an exaggeration to say that belief is the foundation stone of a successful business.

Different persons come with different views on business.

All business ideas have some amount of future financial potentials. Thus, if you are confident and keen on putting hard work or efforts on your business, you shall definitely experience better business profitability.

With better profitability, business sustainability gets created.

A startup means propagating a new as well as a unique idea.

Since the concept is entirely new, there are always a lot of risks associated with it.

A conventional business may not be profitable, but it would not prove to be a huge failure.

With startups, there is a high risk of failure. But, at the same time, there is an opportunity to become successful.

You can easily move your business towards success with the trust in your idea. You should be a believer and a dreamer.


Embracing and Adapting to Changes

An entrepreneur should not be stubborn with his or her ideas. He needs to make alternations with the changing environment and changing technologies.

To build a sustainable business, business owners should have a technology-oriented frame of mind.

Deploying new technologies helps in bringing better results.

It enhances the quality of the product or service that your business offers.

Technology also helps to curb inflation. The proven way of making high profitability is controlling inflation and lowering down the production cost without harming the quality of products.

This can only be possible with cutting edge technologies.

With the advent of time, a lot of technological change happens around us.

Startup businesses should be quick to ponder upon the changes in technologies to become more self-reliant.

A startup is always based on technology, and thus upgrading technology in a periodic time frame is essential.

Technology will help the startup to reach more people.

It will help to achieve great brand value.

It will also help the startups to become long sustaining by saving unnecessary expenses.

Ways to grow your small business to a big one

You should Focus on Transparency and Business Ethics

An entrepreneur should be an ethical person. If a business owner is ethical, business is expected to perform ethically.

For sustaining in the long run, ethics and transparency have to be maintained.

Remarkable achiever among the modern-day entrepreneurs always prefers on keeping transparency.

They develop successful startups in a way that it can perform ethically, maintaining complete transparency business to customers and employees to the business owner.

For the brand identity of a startup, it is important to invest the money as well as time into ethics as well as transparency.

If you do not run an ethical organization, soon your organization shall be considered as not suitable to be trusted.

To establish trust and to clinch maximum profitability from the customers, your business has to be ethical.

If you are ethically running a business, you need to follow proper guidelines.

A startup business should know the guidelines for standardization.


Growth and Comfort Do no Co-Exist

An entrepreneur always focuses on delivering hard works.

There is no substitute for hard work and passion.

When you want to build a growing and sustainable company, you have to sacrifice a lot.

With more hard work and passion, it is possible to make a startup turn into a trendsetting business.

Hard work is the key to becoming successful.

Hard work would not fetch the result overnight because it’s a long term process, and it brings the best results with perfection.

The startup business needs a lot of management tasks at the beginning.

So, at the beginning stage, the business owners have to put as many efforts as possible for the growth of the business.


You should Understand the Reasons for Business Failure

A few blunders from the business owners lead to slow death or failure of the startups.

So, you need to be careful, and you should understand these crucial reasons for the failure of a business.

These days, startup businesses face modern threats like data hacking, phishing, etc.

So, you need to strengthen your database. You have to focus on database security.

Making the data secured should be the priority of every startup business owner.

To enhance security, a few basic tips are required to be followed.

For example, you need to host business data on the secured server.

You should abide by all the major security instructions with perfection.

Startup businesses can fail due to many other reasons.

We need to learn those reasons and then we have to take measures to protect businesses from the possible losses.

For every startup business owner, it is a daunting process. However, it is important as it is related to the existence of the businesses.



At the conclusion note, it has to be stated that businesses are based upon various strategies as well as planning.

A startup business owner has to struggle more at the initial stage, though once he finds the way to success, everything becomes easy to manage.

Publiseer Co-Founder -Chidi Nwaogu talks about Enrepreneurship Journey

About 9ja Boi and LAGbook
My entrepreneurial journey started when i was a teenager, about just sixteen years. Then i co-founded 9ja Boi Interactive, a  company that’s into video game development.
We combined Artificial intelligence and gamification to help the young ones in learning the concept of global warning and to understand its significance to the ecosystem.
Most importantly, to mitigate global warning so as to build a better living environment.
At about nineteen years, i co-founded another tech startup company – LAGbook. This is a social network that attracted more than one million registered members within three years we developed it.
It was later acquired by Gulf Pearl Ltd, a Canadian tech company. We then moved to another project.
Today, we’ve built a team of young professionals who work every day in their best capacity to make our work stand out, be its best, and even attract more fans.
About Publiseer
With my brother, we Co-founded Publiseer digital media, a platform that helps creative African writers, Song Artists, and filmmakers to get their works published to attract global audience.
We publish, protect, promote and monetize their contents on over 400 partner stores in 100 countries without any budget from them.

At Publiseer, we discover local African talents and provide them a platform to help them promoting what they love doing.

Publiseer handles the tedious work in transforming their creativity into wealth for them and to help them earn and live beyond a low class citizen.
  • We design professional book covers for authors, and get unique ISBN numbers.
  • We offer standard book editing and formatting
  • We offer EPUB file conversion for easy distribution
  • We get them worldwide book distribution on popular online such as like Amazon, Apple iBooks, Google Play
  • Books, Barnes and Noble, and many more
For artists, the expectation isn’t less.
  • We distribute the songs submitted across popular online music stores like Google Play Music, Deezer, Spotify,  Apple iTunes, Shazam, Amazon, and several others
  • We also get them free professional cover art, music remastering, unique UPC number, and FLAC file conversion for easy distribution at no cost.
For filmmakers,
  • We get them worldwide video-on-demand distribution via popular online platforms. Some of them are TubiTV, NetFlix, Vudu, Steam, Vimeo On Demand, Shudder, Hoopla and others.
  • We also offer FLV file conversion for easy distribution at no cost
We have helped over three thousand African creatives make over $150,000. We also partnered with International Publishers Association (UAE) and the International Publishing Distribution Association (Madrid)
How Revenue is generated
Each time we sell a unit of any of the work distributed, be it audiobook, song, music video and feature film, we take 25% of the profit realized.
Our authors can monitor the sales of their work across all stores we distributed to, using our centralized dashboard.
They are also able to get their royalties to their local bank account or mobile money wallet.
We want to see more great works by Africans on international and well-established platforms, and this is the reason we’re building Publiseer, a platform that will make this happen.
How we connect with Creative
Many creatives use social network like twitter, FB, Linkedin, Instagram to promote their work to potential customers because it’s easy, free and effective when you run campaign.
Therefore, we use the above-mentioned social media utilities to reach out to creatives who are looking for new avenues to share, promote and monetize their works.
We run several organic and paid social media campaigns, targeted towards writers, music artists, and filmmakers.
Also, we have been extensively covered by the media, mostly blogs and social sites, and this is because we have maintained a very good relationship with social influencers and bloggers over the years.
Social influencers also keep in touch with us on every new milestone we reach, and report it on their page.
Each time we accept authors, artists, or filmmakers on our platform, We take care of the publishing work from start to finish.
We also handle the distribution, promotion and sales. Creatives only have to sit back and get their royalties in an easy and risk-free medium.

Top Digital Marketing Strategies that are infallible now and beyond

In the 21st century, digital marketing is essential for your business. It does not matter how big or small your company is, but if you want your brand to grow, then digital marketing is the key.

how to adopt digital marketing strategies to market your business

Marketers are always looking for digital marketing strategies which will build their brand.


The Top Online Digital Marketing Strategies You Need to Focus On

If you do want to spend time choosing the wrong one, here are the top digital marketing strategies to get you started.


  • Social media marketing

In 2018, the most effective digital marketing strategy was social media marketing.

A lot of brands ventured into Social Media to create brand awareness and grow their target audience.

Some of the most popular social media sites include Facebook, Twitter, Instagram, LinkedIn, and Pinterest.

Social media marketing requires that you interact with various audiences on the websites.

A lot of users spend most of their time online; therefore, it creates an excellent opportunity to connect with a target audience.

How to create brand awareness  on the internet

  • Voice Search Optimization

Voice search optimization is one of the latest digital marketing strategies that businesses are adopting.

This means that your company optimizes new and existing voice searches

This will help you earn a featured snippet on accounts such as Google.

Also, you will become position zero on the search results, which means that you will increase your customer base; thus, more products are sold.

Voice search optimization is becoming increasingly popular as more people buy smartphones.


  • Video Marketing

Video marketing requires that you make interactive and useful videos for your target audience.

This will help you create brand awareness to your users.

This marketing strategy has proved to be helpful among millennials who are more visual.

It is estimated that 90% of the customers purchase due to the influence of a video.


  • Email marketing

The goal of email marketing is to ensure that your business will retain current customers and get new ones.

It is a great strategy to convince your audience to make repeated purchases and also increase brand awareness.

The best part about email marketing is that you can segment your clients.

Therefore you can customize a campaign based on what a particular customer purchased.

This will help provide useful information to your clientele, and your business will stay at the top of their brains.


  • Search Engine Optimization

SEO is the act of improving your website so that it can rank at the top of search results.

This will require that you rank keywords that people are searching. If you are at the top of the search engine, then it will drive traffic to your website.

It is estimated that 30% of the people searching online will click on the first page.

Therefore your clientele will grow, and you can sell your products.

Now, we just have had an overview of the digital marketing strategies you can focus on.

Remember, the actual strategy goes into details that look at your competitors, your target audience and the best and cost-effective way to reach out to them.