6 Useful Apps That Could Decrease the Costs of Running a Business

Running a small business is not easy, though the recent events have made this process significantly more difficult. Even with the financial support provided by the government, many businesses will go under. It means that in times like this, any way of saving money should not be ignored. In a second, you’ll learn about apps that could help you decrease the costs of running your business.

Connecteam

An easy way to save money is to get rid of the landline and use apps like Connecteam instead. This way, you won’t have to worry about the costs of the calls. It is especially important if your employees are located in multiple countries – the costs of everyday communication via phone would be exorbitant. Thankfully, with Connecteam, you can have live group conversations, each employee can “react” to new developments, and the entire internal communication becomes much smoother. The cheapest available plan is free for up to 200 employees. At the same time, although the app has a lot to offer, it is easy to use – you won’t get lost among all the cryptic features.

HyreCar

If you don’t want to purchase a car, but it is not rare that you need a vehicle, then you could download the HyreCar app. It doesn’t matter if you need a car to deliver some materials, or simply go from point A to point B – this app will make the process of renting a car extremely easy. Alternatively, if your company owns a car, but you don’t use it very often, then you could use this app to rent it to someone else, and at least make some money!

Rescuetime

If you think that you, and your co-workers, might have trouble avoiding distractions, then the Rescutime app could make focusing much easier. If you install the app, you’ll know how much time you spend on various apps, websites, and on your projects. It doesn’t require manual entry – the app will do that for you! You can block the websites that you frequently visit when you are procrastinating, which can improve your productivity. Being aware that your time is tracked can give your willpower a boost that could help you finish your projects quicker, which would save you some stress as well. You might be initially surprised by the amount of time that you normally waste, though you are not the only one. Once you have all the data, you can start creating a better plan for every day.

Paribus

If your company often purchases products online, then Paribus could help you decrease the costs. How? The app monitors the prices of the items that you’ve purchased. If there is a price change, Paribus will let you know, which means that you can get back the price difference. Some of it will go to the app owners, but you’ll get back the majority. This way, you won’t have to track the price changes yourself, which means that you’ll be able to focus on other, more essential tasks. If your company regularly orders products from the internet, the app could save you thousands of dollars a year.

Wave

If you cannot afford costly accounting software, then you could use Wave instead. It will take care of all the expenses and invoices – there is also an option of scanning the receipts. The easy-to-read interface makes it easy to see if your business is in an excellent financial condition, or whether the financial situation is dire. The Wave app is completely free, without any hidden fees for small businesses. Okay, so how does it make money? In the United States and in Canada, it also offers payroll services for a reasonable price. The option to allow your business to accept online payments costs up to 3.4% + 30¢ (bank payments have a 1% fee).

Abukai

If traveling a lot is one of the key features of your job, you should consider installing Abukai. Why? There’s nothing fun in looking for the receipts from the hotels and trains for expense reports. With Abukai, the entire process will become much easier. It allows you to scan invoices and receipts to generate reports with all the essential information automatically. 12 reports per year are free – if you need them more frequently, you might consider purchasing a premium plan.

Managing a company is not easy, though in recent times, staying floating became even much more challenging. It will take some time before things get back to normal, which means that for now, decreasing the costs of operating the business is a priority. Depending on your industry, apps could help you decrease some expenses. Most of the ones that you can find on this list are free or at least have free trial periods. Hopefully, they will help you survive this difficult time.

Phone Apps to Boost Productivity at Work

If you are looking for ways to improve your productivity, then you don’t necessarily need several ping-pong tables or to turn one of the conference rooms into a meditation room. There are other methods that could make you better at your job. In a second, you’ll learn about the apps that could make you more efficient. Let’s go!

DejaOffice

DejaOffice is an excellent app if you are looking for an intuitive CRM platform that will allow you to strengthen the relationships with your clients. It will have a positive impact on your sales, marketing, but also on the customer experience. What’s most important is that you can access all the vital data from your smartphone.

Faxburner

Sending faxes might be a bit troublesome, though there’s a way to make this entire process easier. You don’t need a fax machine – you can send and receive faxes with your smartphones or iPad. You can also archive old faxes or create new ones from multiple photos. It is especially great if you don’t need to send faxes often, and purchasing a fax machine is out of the question – with Faxburner App, you won’t have to pay a dime.

Expensify

If you need to travel a lot, then keeping track of all the travel expenses might be a bit challenging. Thankfully, Expensify can take care of this issue, making it much easier to not get lost in the chaos. If you give this app a try, you won’t have to worry about the lost receipts.

Trello

Trello is an excellent app if you want to track the workflow of your team. It allows you to make large projects considerably easier. You can create a transparent plan, where everyone has certain tasks assigned to them. This way, you will be able to tell right off the bat whether things are progressing nicely, or if your team needs more time to accomplish the goal.

Google Ads

Google Ads is a great tool if you want to be able to check the results and the current state of your ad campaigns anytime and everywhere. You don’t need a PC to see if there are any alerts, or to implement some changes – all of this can be done via your smartphone!

Asana

Asana is a project management software that allows you to track the progress of your team toward the goals. It is especially useful if you want all the processes that take place in your company to be as transparent as possible. In just a few seconds, you can check how your colleagues are faring when it comes to their projects, and it allows you to react more quickly if a need for any adjustments arises. It is also possible to check who is responsible for the projects that you are interested in, which makes the communication smoother. At the same time, you can comment on your colleague’s progress, without having to set up in-person meetings.

Skype

Although it has quite a lot of competitors, after all those years, Skype is still the number one app when it comes to video calls and voice calls. You don’t need to pay anything for your calls, which is especially useful if you often need to contact clients abroad. The video quality is superb, you can also send pictures, or just send messages!

Insightly

If you are looking for apps that will make it easier to manage your team while at the same time improving the customer experience, then you should consider checking out Insightly. This excellent CRM can help you when it comes to marketing, sales, but also with making sure that all the projects are delivered on time.

SignEasy

Signing all the necessary documents might not be that easy, especially if you often travel, without being able to access your PC. Thankfully, it is enough if you can access your smartphone to sign the documents legally. You won’t need to bother with faxing or scanning the documents – it is 2020 already, and there are quicker methods. This app can save you time that you’ll be able to spend in a more productive way.

Bonusly

If you want your colleagues to not only work hard but also to feel appreciated for their efforts, you should ensure that everyone in the company is aware of their accomplishments. Bonusly can raise the morale of your team by promoting exceptional performance.

Take a pick!

Even if you try to control yourself when it comes to the time that you spend on looking at your phone, you should consider using apps that could make your performance better. They won’t magically transform your career, but some of them could have a very noticeable impact on your productivity – why not try out some of them?

4 Apps That Will Help You To Stay Mentally and Physically Healthy During Quarantine

Making sure that you don’t skip any workouts can be a difficult task when you hear stories about coronavirus 24/7. Although it seems that we will have to deal with this situation for quite some time, it doesn’t mean that we can put our lives on hold. Even though you might feel less motivated than usual, physical activity, yoga, and meditation can help you feel better in those challenging times. In a second, you’ll learn about apps that will help you maintain your physical and mental health. Let’s go!

Headspace

If you feel overwhelmed by the amount of bad news that seems to be coming from every direction, it is possible that your anxiety and stress levels are skyrocketing. With Headspace, you can try practicing mindfulness skills, which can help you anchor yourself in the present, without overly worrying about the things that could happen in the future. The studies have shown that meditation can decrease the levels of the stress hormone, cortisol while boosting dopamine levels. There is also weaker evidence that it could boost your serotonin levels as well. You don’t need any equipment to start meditating. All that you need to do is to find a calm place to meditate and focus on breathing techniques. If your country hasn’t introduced any restrictions barring people from entering parks and forests, you could try meditating outside. Just remember to check the weather forecast on the internet or at your home weather station. Otherwise, your meditation practice could be unpleasantly interrupted.

Down Dog

If you enjoy the relaxation that comes with meditation but would like to work on your body at the same time, then yoga might be more to your liking. If that’s the case, then you should check out Down Dog. This app allows you to select the muscles that you want to target, but also the time and music that will accompany you as you are trying to remain motionless in weird poses. That’s not all – the app also offers HIIT workouts that don’t require any equipment but will leave you sweaty and panting. During the current coronavirus crisis, the app is free for all until May 1st, whereas students, teachers, and health professionals can access this app without paying anything until July 1st.

Zwift

If you have either a treadmill or a stationary bike, you can transform your workouts with Zwift. You don’t need to leave your room to experience the streets of New York or London. Even if the freedom of movement will be restricted for quite some time, you can feel like a cyclist taking part in the Tour de France! You can also compete with your friends, even if in the real world it would be better to keep the distance from each other. Sure, you might prefer to actually run in the Alps, rather than do it only virtually, but you can train now to be prepared for a real-life challenge later on!

Aaptiv

If you are looking for an app that will enhance your home workouts, then Aaptiv might be a perfect choice. It contains thousands of home workouts – some of them require equipment, though in the case of others, you will only need some flat surface. Okay, but aren’t there hundreds of different home workout apps? It is true, but the main advantage of Aaptiv over its competitors is that you won’t have to look at the screen between the poses or exercises. Instead, it makes use of audio. You will hear all the instructions about the exercises, which means that you won’t have to interrupt your training every few minutes. You can create weekly or monthly programs to achieve your long-term goals. If burning as many calories as humanly possible is your priority, then you can try high-intensity interval training. If you prefer to work out outdoors, without being able to access the wi-fi, then no worries! You can download all the workouts to access them later offline.

If you have been experiencing low motivation levels lately, then believe me – you are not the only one. Everything seems a bit surreal and convincing yourself that you would feel better after a particularly intense workout can be difficult. Still, no matter how hard it is, in times like this, you should make extra effort to not forget about the routine activities – like meditation and exercise, that will improve your mood. If you are experiencing high levels of anxiety, then you might be better off contacting a specialist – although both meditation and physical activity will have a positive effect on the neurotransmitters in your brain, it might not be enough. Still, if you think that your condition is not as severe, you could check out those apps to make yourself at least a bit less stressed.

5 Ways to Ensure Your Data Security

Not many people think about the security of their data. It’s just not something that’s drilled into our heads like the lesson of not talking to strangers on the Internet (thanks, social media). Data security is very important because, if compromised, it can affect your reputation and possibly your future opportunities.  Fortunately, there are several ways to ensure the security of your data. In this article, I want to share with you 5 ways in which you can ensure the security of your data.

Use Tor

Tor, short for “The Onion Router”, possesses several layers of encryption (like an onion) to ensure the user’s security. Created by the United States Navy, the primary use of Tor revolves around keeping the user anonymous and erasing any “fingerprints” they may leave on the Internet. 

Downloading and using Tor is as easy as using a regular browser. However, keep in mind that Tor will not replace your other browsers. See, the one disadvantage holding Tor back is its speed—it’s really slow. The speed (or lack of) is because of Tor using only a handful of loaned servers located around the world, meaning loads of traffic can bring the service to its knees. You can’t even stream video on Tor, to give you a picture of how slow it is.

So why use Tor? Whatever you do in the Tor browser will be private and secure because Tor bundles your data into encrypted packets before they enter the network. Plus, any information that could be used to identify you and/or your location is deleted. Tor then encrypts the rest of the information before finally sending encrypted data to various random servers or relays so that it cannot be traced.  But Tor is not perfect for privacy. One issue holds back Tor in the security realm: nodes. Despite the long, arduous process the browser goes through to encrypt your data, entry and exit nodes are still able to see certain aspects of your browsing data.

Use A VPN Service

Virtual private networks (VPNs) encrypt all data coming to-and-from your device. And while the VPN industry has experienced a surge in popularity throughout the last decade, there are still many people who don’t know what a VPN is or why you’d use one. 

I’ll give you a couple of reasons why you would use one. With a VPN, you can access geo-blocked content. With one, you can also protect your online data from hackers and government surveillance since VPNs encrypt your traffic and hide your IP address from others. 

 For maximum security, it is recommended to use, a combination of Tor and VPN because, believe it or not, they are not the same thing. A Tor VPN, however, works wonders for your security and would ensure the entry and exit nodes would be unable to see any of your data.

Ensure Offline Security


I’ve met many cybersecurity-conscious people throughout my life, and one mistake I see many of them make is never taking proper care of their physical media. Many people, including those cyber-security conscious people I mentioned, don’t realize how important physical security is.

You need to make sure all your physical documents are safe. This can be done by locking your wallet in a safe and keeping any personal information away from anyone that’s not you or a close relative (still be careful about them, however).  And when you leave the house, only bring things you really need. Debit card, credit card, money, proof of information (license, ID): Bring the essentials.

Always be Suspicious

If you’re suspicious of the heading, good. Don’t always be suspicious, of course, but don’t trust everyone as easily as you do a family member. If a random person on the Internet asks you a personal question, don’t share the answer. And of course, never tell your email password, your social security number, or any personally identifiable information to anyone except when absolutely needed (an emergency).

Be Aware of the Pitfalls of Public Wi-Fi

I’m willing to bet your home wi-fi is secured with a password and uses—at minimum—WPA security. That’s great and all, but many people use public networks, and the security of the public is…abysmal most of the time
If you need to connect to a public wi-fi network, make sure you don’t log in anything important, else someone else on the network may be able to intercept your information. However, a VPN does wonders on a public wi-fi network due to the encryption.

Conclusion

Each method I mentioned throughout this article are effective, useful ways to protect your data. In a world where data is the new gold, you’ll want to be careful at all times. A sad reality, yes, but it’s the one we currently live in. Fortunately, most of these methods take no more than an hour to set up.

5 Steps to Make a Small Business Website: Stay Connected with Your Small Business

Over the years, the demand for small business websites has increased significantly. People are finding them a convenient way to stay in touch with their coworkers.

Although social media sites such as Facebook and Instagram are there to help you stay connected with your friends and small business. It is challenging for small business members of all ages to set up user accounts and navigate ever-changing privacy policies.

This post helps you learn how to make a small business website in 5 easy steps. So, walk through this post, and create a convenient connecting point for your small business and friends.

Step: 1 Get A Domain Name & Web Hosting Service

The very first thing you have to do to create a small business website is to get yourself a domain name. This is the name you want to give to your website. Choose a name that better defines your small business. However, at the same time, it should be easy to type and memorable.

Try to keep it short and avoid using number and hyphens so that it is easy to type. There are plenty of domain registrars in the marketplace from where you can buy a domain name. GoDaddy, Namecheap, Gandi are a few popular ones. A top level domain name should cost you between $10 to $15/ per annum.

Note: You can buy a domain name and web hosting together. Some hosting providers offer a free domain name for the 1st year.

Once you have finalized your domain, your next step should be choosing the right hosting plan. In a small business website, you will be posting your personal images and information, you should look for a hosting service offering safe and secure hosting environment. However,  finding a reliable web host can be a time-taking process.

Because from pricing to features, to uptime to customer support, there are a lot of things that you have to consider. To save your time, you should look for a review guide that compares the services of top hosting providers like one is. It is advisable to choose a hosting provider that is capable of fulfilling the growing needs of your website.

Step 2: Pick Your Platform

After finalizing your domain name and web host, you will need to select a website building platform. There are numerous website building platforms out there that you can choose from.

However, if you don’t want to get too technical, WordPress should be an ideal option for you.

Using WordPress, you can create almost any kind of website as it comes with a lot of versatility and flexibility. According to WordPress, they are powering more than 32% of the web. Moreover, in comparison to most platforms, WordPress better supports multimedia. Adding content like text, images, videos, and audios are easier in it.

As in a small business website, you will be sharing the latest news, pictures and video clips, WordPress should be a good option for you. Another option that you may consider is website builders like Wix, Weebly, Squarespace.

Step 3: Choose a Theme and Plugins

If you are choosing a WordPress platform, you will find plenty of free and premium themes that you can use to customize the look and structure of your small business site. Moreover, you can also find plugins to expand the functionality.

To make a feature-rich small business website, you may consider adding features like photo galleries, comment section, automatic backup, etc. You can use the following plugins to add these features.

Disqus (for comments)

Envira Gallery (For photo gallery)

BackupBuddy (For backup)

If you choose a platform other than WordPress that doesn’t support plugins, you will have features available to you within the structure.

Step 4: Important Privacy Measures

To create a secure small business website, it is important that you prioritize security and privacy. There are some platforms that let you adjust your settings and manage authors. Using privacy setting, you can specify who can read content available on your website.

In the WordPress platform, privacy and security features can be brought using plugins. For example, two popular plugins are My Private site and Password Protection.

In addition to this, you can also discourage search engines from indexing your personal website. It will prevent your small business website from showing up in search engine results. You can do this if you don’t want any non-relative to stumble upon your website.

To do it in WordPress, you will have to access your admin area, go to “Settings” and then choose “Reading.” Here you will see an option .ie. Search Engine Visibility. You have to check the box saying “Discourage search engines from indexing this site.”

Step 5: Share Your Site with Members and Start Posting

Once you’re done with choosing themes, important plugins and establishing privacy, send your site’s URL to your small business members and friends.

If you want to allow posting to your small business members, add users to your website. In WordPress, you can do so by adding a new user from your dashboard.

Final Words

Needless to say, a small business is one of the most important aspects of our lives. Probably, this is why, over the years, the demand for small business related web projects has increased. Hopefully, this guide will help you make a good small business website to stay connected to your friends and small business no matter where they live.

Free Fax to Email – Free Fax Number

There are many communication options; IM, WhatsApp, and Email, but fax is still the best way to share sensitive data. Many companies rely on sending and receiving fax to their employees for confidential information that needs high security.

Many other information-sharing media are available but no one can beat the security provided by fax. Moreover, managing papers, refilling toners and investing in fax machines are unfeasible nowadays. Everyone wants a compact and feasible source of communicating data.  

Since old technology lovers wouldn’t want to adopt other communication modes so there was a need for an uncomplicated fax solution. Therefore, modern ways of sending and receiving fax through Gmail were introduced. Read this article to find out how to adopt convenient ways of faxing.

This is facilitated by online fax services that provide easy faxing solutions via any online medium.

Is Fax possible with Gmail?

The short answer to this question is Yes! Modern technology has made sending and receiving fax easier by just using an email address. Many firms are utilizing their email accounts for fax instead of using fax machines. 

Are you thinking about why you did not use this earlier? Well, it’s because Gmail does not offer to send and to receive fax by default. Fax and email work on different mediums so there is a need for third-party services to integrate them. 

Emails work on a digital medium that travels through the internet whereas the working mechanism of the fax is based on analog signals which are transmitted over telephone lines. The third-party services act as a translator between fax and email so that documents are broadcasted without any halt. 

CocoFax, Send Fax from Gmail

CocoFax offers to send fax online without managing bulky hardware tools.All you need is a third-party fax service which makes sending and receiving feasible as it works as a mediator between different communication mediums.  Fax has become much easier and simpler with Gmail. 

CocoFax is a well-reputed fax service provider that has been trusted by millions of users.  Many international media channels have recognized CocoFax as a reliable fax service provider including Forbes, PCMag, CNET, and Life wire.CocoFax has made online fax possible without buying a fax machine, papers and refilling toners for this purpose. 

With CocoFax, you don’t have to worry about `security of your data. The reliability promised by CocoFax has made sending and receiving online fax as trustworthy as it used to be with fax machines. You can trust CocoFax for sharing confidential information as no one can access your data without your consent. 

CocoFax, A Dependable Online fax solution

Cocofax is widely used all over the world to send and receive faxes online. You don’t have to invest in fax machines to use a fax. It is a smart faxing solution which combines the latest technology with traditional fax. You can send and receive fax anywhere, anytime using any device. 

The details about how to use CocoFax services for Gmail free fax will be illustrated in this post. You can use Gmail to Fax and Fax to the Gmail facilities of CocoFax using computers and mobile phones. CocoFax is capable of turning smart devices into fax devices. It is a well-reputed brand for online fax. 

Send Fax with Gmail using CocoFax

Sending a fax using an email account is a matter of minutes. But, you need a valid Gmail account, active internet connection, CocoFax account and a fax number to get started with online fax. Follow these guidelines to send online fax without a fax machine.

Step 1: Register CocoFax account

Sign Up to your CocoFax account from the official website and get a 30 days free trial for assessing the services. You can avail free fax numbers after logging in to your CocoFax account as it will be used to send and receive fax online. 

Step 2: Compose Email to Send fax

Open your Gmail account from any web browser or official application. Click on the New email option and a new email popup appears. Fill in all the mandatory fields to send this email as a fax document. 

Enter the receiver fax number by suffixing it with cocofax.com to make it as a receiving address. For example, if the receiver fax number is 12345 then you should enter 12345@cocofax.com. You can also provide a fax title and cover page by typing in the Subject and email body respectively.  

Step 3: Attach documents

You can attach multimedia files to send as a fax document. Attach the files with the composed email just like sending casual ones. Click on the Attachment option and select any file from your computer or handheld device.

File formats supported by CocoFax to send as a fax via Email include doc, docx, xls, xlsx, png, jpg. Uploading many files in one email is also available as these files appear as single documents at the receiver fax machine. This saves your time from sending many documents one by one. 

CocoFax sends automatic alerts for successfully sent documents. Even if an email is unsent, you will receive alerts to resend it by correcting any mistakes. You can manage these messages from your Email inbox

Receive Fax with Gmail using CocoFax

Once you get registered with CocoFax, receiving fax documents is an effortless procedure. You don’t have to follow long steps or set up the fax machine to get important information. CocoFax manages all the received faxes and sends them to your email address by converting it into a pdf file.

You can open your email account using any web browser and email client as CocoFax provides services for all kinds of devices irrespective of their specifications. Keeping your handheld devices and laptops turned on 24/7 is not required. CocoFax transfers the faxes to your email address even if you don’t have an internet connection.

Therefore, you can get relief from sitting with a fax machine round the clock to make sure that you don’ miss any important documents. CocoFax has made sending and receiving fax as convenient as managing casual emails. 

Endnotes

CocoFax is an easy to use fax service provider. You can send and receive faxes by just using an email address and a free fax number. Fax machines are not required to do so. This guide provides complete details of managing fax online rather than buying papers and ink to do so.

The smart fax solution by CocoFax is similar to email so that you don’t have to learn any special skills.  Once you get started with CocoFax for faxing, your struggle for fax machines will vanish as it is a reliable trustable fax service. 

Three Online Resources to Apply for Payroll Protection Program Today

I am very frustrated by my local bank that they have not even invited me to apply for PPP.  However, a friend shared some online resources where I was able apply. So far I have two of these in “underwriting” but not signed yet.

As far as I understand, you can apply as much as you want.  Just be sure to only sign one.  I am still very confident that CompanionLink will get accepted and get funding for two months of our payroll. 

Today (April 16) funding is out until Congress and the Treasury make a deal. I am confident a deal will be made for this very important program.

Here are some other tips I have learned in my application process:

  1. The loan amount is 2.5 times 2019 Monthly payroll. The best number to use is from your W-3 form, line 5, plus State and Local Taxes line 17 and 19.  Although this is less than “Payroll” this is easy to prove because this is already on your W-3 Form.
  2. Document staff who earned over 100K in 2019, and subtract the Salary over 100k from your total.
  3. Make a PDF of everything, and store them on your Personal computer so you can reply to an email any time of day or night.  So far I have sent out the following documents; Canceled check, Drivers License picture front and back, Register from checking account, 2019 taxes as filed, 2019 Payroll statement, Payroll Statement from Feb 16 2020, W-3 from 2019, All W-2 and 1099 Misc from 2019, Corporate Founding Documents, 2019 941 Reports (4-quarters).

Kabbage

https://www.kabbage.com/ – Apply online

Fundera

https://www.fundera.com/ – Apply online

Ready Capital

https://readycapital.com/ – Apply online

BlueVine

https://app.bluevine.com/signup/ppp – Apply Online

Cross River Bank

https://www.crossriversba.com/ – Apply Online

And More…

If you have any more sites I will add them here, email me – wayland@companionlink.com

Other articles in this series:

3 New Revenue Sources for Small Business in the CARES Act

Small Business in the time of Virus – Turn Anxiety into Survival

3 New Revenue Sources for Small Business in the CARES Act

We are all hurting now. The normal ebb and flow of business in America has been throttled by stay at home orders. Even if you do not own a restaurant or bar, even if all your workers can work remotely, you are probably highly impacted by frightened customers and small business. This is a huge blow to ego and self esteem.  It becomes hard to concentrate. Everything seems like an emergency.

I have been greatly relieved by the thought that the CARES Act that passed last week will assist us in ways that are worthwhile.  Here are a few things I’ve found that can benefit CompanionLink, our vendors, friends and relatives during this troubled time.

Pandemic Unemployment Insurance

A new category of Unemployment Benefits has been created to help Self-Employed and Gig workers. These new benefits are handled through your state.  If you are Self Employed and have reduced business because of the Stay at Home order, or even if you are too concerned to go to work, you qualify for this benefit.  Apply for Unemployment through the state.  Even if the weekly amount is small, because your income is low, you will be eligible for the $600 additional weekly benefit (roughly $2400 per month) through July 31, 2020.  So for four months, roughly $12,000 will flow to everyone who is unemployed. This benefit is taxable income so be sure to calculate your withholdings. 

I would guess that this benefit will be extended as long as the Lock Downs continue, which may run through the end of the year.

https://www.cnn.com/2020/03/25/politics/senate-stimulus-unemployment-benefits-coronavirus/index.html

Paycheck Protection Program

The Paycheck Protection Program from the US Small Business Administration will guarantee a loan to your business, and after a time, will forgive up to 100% of the loan amount. 

This program is extended to Nonprofit and other types of business that do not normally qualify for SBA loans. You do not need to be turned down for credit to be eligible for the loan. 

The loan amount is 2.5 times your monthly payroll, benefits and rent.  After 60 days, if you spent this money on payroll, benefits and rent, then the amount is forgiven. Here is the best part; the loan forgivance portion is not considered taxable income to your business.  This program is administered by your local bank provided they are an SBA lender.  Call your bank for details.  Note:  The application forms have not been created yet, and full details are not yet available. Your bank will help you through this process.

https://www.sba.gov/funding-programs/loans/paycheck-protection-program

Google and Facebook Advertising Credits

Both Google and Facebook have announced Small Business grants, and/or advertising credit.  For Google, the advertising credit is automatic and will be added to your Google Ads account.  For Facebook you need to apply, and details have not been sent yet.  Keep an eye out for similar credts from Apple, Amazon, and other large vendors.

https://blog.google/inside-google/company-announcements/commitment-support-small-businesses-and-crisis-response-covid-19

https://www.facebook.com/business/boost/grants

Lessons in Business Promotion from Online Bingo

In times when business is less than booming, it’s more important than ever to have a great marketing strategy in place. The problem is, stressful times often don’t lead to our most creative moments. How can you come up with fun new ideas to attract customers when you’re focused on just paying the bills? Plus, when cash is tight, how do you get the most bang for your marketing buck? The answer can be found in the most unlikely of places. You’d be surprised to know that online bingo is full of great business promotion ideas.

New Sign-up Deals

If you run a subscription-based service or a business that requires your customers to keep coming back again and again, then sign-up deals and bonuses are the way to go. Many businesses gain new customers by offering great deals to new sign-ups. Some of the best online bingo promotions can be found on websites like Paddy Power Bingo, where new sign-ups can receive favorable deals such as free and bonus spins. Other businesses might give subscribers a lower rate for the first three months, during which time they can demonstrate to these new customers that the full price is worth it.

Loyalty Rewards

As well as new customers, your regulars deserve some love too! Many online bingo sites offer incentives to keep customers coming back such as a free spin every day that they play. Demonstrate to your customers that you’re committed to the relationship that you’ve built with them, and they’ll reward you by continuing to spend their hard-earned cash with you. Whether you’re a coffee subscription service offering a free bag for every fifth order, or a forex trading website offering a bonus for every deposit, this method so popular in the online bingo world works anywhere, because customers love being made to feel like they’re important and that their custom is appreciated. Adapting loyalty rewards for your business couldn’t be simpler: choose a target that you want your customers to reach, such as hitting five orders, then give them a little extra to say thank you!

Flash Sales and Limited Time Offers

Want to generate a lot of buzz and excitement while simultaneously increasing website traffic or physical footfall? Many bingo sites run high-stakes games for limited times to draw in new customers and renew interest from existing customers alike.

Whilst most businesses can’t do exactly that, a great idea is to run a flash sale. They require a little advance planning but are still fairly easy to implement. Give your customers some warning. 24 hours notice is ideal to build up excitement and get the message out to a decent number of people before they forget again. Then all that’s left to do is drop your prices accordingly and watch the sales roll in. Companies like Hype even went as far as offering higher discounts to people who turned up first.

Whatever method you go for, even if it isn’t giving anything away for free, the key is to communicate with your customers and make sure that they know that they are valued. We’ve seen how bingo does this and there’s plenty to draw on there, whatever your sector. In tough economic times, it’s important to be transparent, thank your customers, and be prepared to shake up the way you do business.

Resources to Compare Financial Products

At a certain stage of their life, everyone has the need for some type of financial product whether it be life insurance or a home loan. However, deciding to get a financial product is far easier than actually getting one with so many options available out there. 

Not only is doing financial research on your own boring and overwhelming for most it can also be extremely confusing and can easily put one in further doubt. 

With so many financial institutions offering varying terms and prices on different financial products; choosing the best deal can seem like an almost impossible task.

Some of the most common financial products available include life insurance, car insurance, business insurance, home insurance, travel insurance, cellphone insurance, motorcycle insurance, funeral insurance, legal assistance, medical aid, personal loans, home loans, credit reports, and debt counseling.

Compare Financial Products Through Money Expert!

If you are in the market for a financial product and are confused with all the choices and deals available don’t worry! Money Expert – the web’s leading financial product comparison website has made this seemingly impossible task possible! And that too within just minutes.

Gone are the days where one has to spend hours trying to figure out the details of different offers. Money Expert takes care of it all with a lightning-quick process that can help you save big bucks in premiums down the road.

With money expert choosing the best financial product deal suited for your particular needs is easier than ever. Simply choose from the comprehensive list of financial products available – type in some basic data – and hit compare.

Just like that, you can have a whole list of providers offering different rates and conditions populated on your screen with easy to read comparison charts and pricing that you wouldn’t believe! What’s more, Money Expert is 100% FREE to use and the price that you see is the price that you pay for all financial products listed.

If you are searching the market for a new life insurance policy, or want to see what kind of upgrades or renewals are available on your existing financial product – make sure you first do a quick search on Money Expert. You will be amazed at what you can find and learn within minutes of using the site.

Conclusion

Financial products are important instruments that allow you to safeguard against unforeseen circumstances and plan for a better brighter future. Gone are days when finding the best deals seemed like an altogether impossible task. 

With Money Expert, finding the best deals on financial products that you want and are within a budget that you can afford has never been easier. Don’t take our word for it try it for yourself and see just how much you can save!