The Top 5 Areas To Invest In Upskilling Your Team

Training is an essential tool for businesses that offers many benefits to employers – such as better performance, improved adherence to policies and procedures, fewer mistakes, lower costs, and greater employee engagement and retention.

Effective training also ensures that employees are better equipped with the knowledge to carry out their roles – thereby reducing pressures on management and promoting service quality.

In the UK, training is legally required under several areas of compliance legislation, including the General Data Protection Regulations (GDPR) and the Health And Safety At Work Act (1974). Under this legislation, employers are legally obliged to provide employees with all the information necessary to keep themselves, their colleagues, and their private data safe.

For many small businesses, training can initially seem like an expense. But it is an important step towards ensuring your business is compliant and promoting efficient work practices.

The Advantages Of Staff Training
Training offers a wide variety of benefits to employers and staff, including:

Improved productivity and performance
Reduced waste, complaints, and operational issues
Improved staff motivation, engagement, and leadership skills
Reduced staff turnover and time spent off work unwell
Greater business growth and adaptation
More staff motivation to improve their skills and progress their careers
These benefits can help your business to reduce expenditure and bring in greater sources of revenue, while improving service quality and overall employee performance.

Our Top Five Training Programmes For SMBs
1. Cybersecurity

With online sales accounting for 30% of all online sales, an increase in remote working, and the majority of businesses choosing to use electronic resources such as email for communications, it’s more important than ever to be up to speed on cybersecurity.

Businesses can also lose a significant amount of revenue if they are subject to a cyberattack, or if they are unable to access their website. In addition, under GDPR, all businesses who collect personal data are responsible for protecting against data breaches and may be liable to fines if legislation is not correctly adhered to.

Cybersecurity training teaches your employees how to identify and avoid a cybersecurity attack, reducing the risk of phishing emails, data leaks, viruses, and hacks. This can save your business time, money, and stress, and promotes adherence to cybersecurity policy.

2. Communication

Poor communication can affect all areas of work, not just overall productivity.

A survey by Salesforce found that 86% of employees and executives identified communication issues as a major cause of failure in business, while 97% of employees reported that communication breakdown affects their efficiency on a daily basis. And these issues affect employees’ ability to adhere to deadlines, with 28% of employees reporting that these factors made them unable to deliver work on time.

Communication training can help to fix these issues by training your employees to share information accurately and clearly, to resolve conflicts within the team or with customers, and to be confident when communicating their perspective – thereby helping to eliminate potential strategy pitfalls before they occur. This helps to save your business time and money, and assists with alleviating pressure in the workplace.

3. Diversity And Unconscious Bias Training

Unconscious bias training identifies any underlying prejudices that your staff may have, and helps them to address these issues in order to prevent potential conflict or discriminatory treatment.

According to CIPHR, more than a third of UK employees feel that they have been discriminated against in the workplace, or when applying for a job. The most commonly reported source of discrimination in the workplace was age (11%), followed by gender (5.3%) and race (4.1%).

Diversity and Unconscious Bias Training is a crucial tool for limiting the impacts of social prejudice in the workplace, and for keeping your employees and customers safe from abuse and violence.

With an increasingly diverse workforce – and a legal duty to protect employees from physical or emotional harm – it is necessary for employers to be aware of their responsibility to employees from other racial and cultural groups and backgrounds.

4. Conflict Resolution Training

Conflict comes up in all ways of life, and work is no different.

Effective conflict resolution is key to ensuring effective communication and productivity by improving team relationships, and helps to reduce the risk of behaviour escalation and workplace violence by training your employees in de-escalation techniques.

Conflict resolution also helps to improve relationships with clients by training your team in the most effective ways to respond to members of the public who become unhappy, agitated, or aggressive when making a complaint.

5. Time Management Training

If your business is searching for a way to improve employee productivity, time management training may offer an effective solution. With assigned roles becoming broader, and an increased need to keep up with online resources, it can be difficult for employees to prioritise tasks.

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Winters are Ideal Season for Tasty Namkeen Snacks

You can smell the chill in the air, the simmering of peanuts and popcorn from the corners and walkways of your road. The chill during winters makes one need to snack on hot food This season, you can see an assortment of Cornflakes Mixture namkeen stacked available. Since an extremely bygone era in India, namkeens are the most snacked on food things. Until quite a while back, a couple of types of namkeen were accessible available, yet after the 1980s, various brands delivered delicious namkeen options and immersed the market. Subsequently, the bundling of the pocket permitted the food item to have more time span of usability, making it monstrously normal for crunching while at the same time voyaging or offering it for simple snacking at home. In excess of 1,000 sorts of snack items are sold in India, contingent upon tastes, types, surfaces, smells, bases, extents, shapes, and fillings. In India, the interest for namkeen and snacks is around 1 lakh crore in INR. In the close to years, it has encountered unrivaled development and keeps on advancing dramatically. It appears to be that Indian clients have reestablished their hunger for conventional snacks, for example, sev, bhujia, and namkeen/combinations, which lead to the great development pace of approx. For the snack business, 15 % per annum. The Namkeen market portion is parted into two classes, the primary classification being Indian and ethnic snacks including about 60-65 percent of piece of the pie and the rest of to the class of Western snacks comprising of expelled snacks and chips. The following are 5 Insane Namkeens to improve your winters and more delicious!
1. Aloo Bhujia

Aloo Bhujia is a typical side dish that goes with pretty much every Indian dish as an enhancement. In unambiguous, breakfast recipes like Poha and Upma or evening snacks like consuming a sandwich or a samosa with it. Any food that is devoured with Aloo Bhujia becomes fully awake. Aloo Bhujia, with extra flavors and interesting flavors, is a crunchy rotisserie besan and potato sev (noodles). A famous Indian dish is likewise made from Aloo Bhujia called ‘Aloo-Sevki Sabzi’ and it tastes divine!

2. BikaneriBhujia

The BikaneriBhujia was the absolute first Namkeen that has been imagined and made in India. It was made during Maharaja Shri Dungar Singh’s reign in the province of Bikaner, a western state in Rajasthan. The BikaneriBhujia is a customary firm broiled snack made utilizing besan (gram flour) and moth beans with added flavors, generally alluded to as ‘Bhujja’. BikaneriBhujia bundles are fixed with a crowd of Indian shops to showcase, as this Namkeen is pretty much as famous as the Rasagullas Bengals.

3. Cornflakes Combination

A combination of Cornflakes Namkeen, generally known as the Chivda Cornflakes (MakkaChivda). It is an array of unmistakable grains with the principal part, ‘The Cornflakes or Makai,’ like puffed rice, straightened rice, dried natural products, and nuts. These different flavors make it the most preferred Indian Namkeen, everything being equal, providing it with a surge of deliciousness.

4. Dal Bhiji

One more blend of top-notch ingredients and awesome flavors is Dal Bhiji. Muskmelon peas, earthy colored lentils, and seared gram flour noodles are the right blend that makes it a dish worth relishing. A Dal Bhiji is a delectable and heavenly mix of delightful flavors and a scrumptious impact of health. A recipe goes back hundreds of years enjoying its unmistakable and bona fide Indian taste.

5. Moong dal

It goes inferred that our #1 munchies to relish during winters or partake in a night time with family and companions are moong dal Namkeens. Our unsurpassed most loved contributions for any event are Moong beans when sprinkled with delectable flavors and flavors. Each piece of broiled moong dal is fresh and made past flawlessness, incredibly crunchy.


Indians were constantly captivated of desserts and namkeens that are varying particularly during winters. Starting from the start, flavors and desserts have been important for Indian food. Indian desserts and namkeens are perceived and delighted in by individuals all around this present reality. Priniti Foods offers best in class Cornflakes Mixture Namkeensthat, with a combination of high-quality ingredients and tastiness, are definitely a flavorful paradise.

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Organize Your Storage Needs With Smart Self-Storage Facility!

Shortage of storage space has always been a problem in urban living. People end up impulsively gathering things and then complaining about dealing with space crises. If you too are on the same boat and are sailing through a similar situation, we got you! Finding a suitable secure storage facility that can allow you sufficient space and an ideal ambience to retain your belongings is not easy! Moreover, if you have never experienced renting temporary storage facilities before, you may feel anxious about how something like that can preserve your goods for the duration.
If you are confused and also have a specified budget in mind, you can recall some tips we have listed below to choose a smart, secure, and budget-friendly storage facility for your needs. Whether you want extra space for a few months or almost a year, you can quite easily stow all your valued belongings within the secure space of the self-storage facility at a nominal cost.

Note: For those who think leasing an additional space would be an expensive thing, must take their time and compare – the monthly expenses of moving into a rental property to retain their goods with paying a nominal fee for the entire storage duration. There is a reason why self-storage facilities have grown immensely popular, especially in recent years – it is because of the dynamic attributes it comes with and the bunch of flexible options it offers.

So, go ahead and follow the mentioned tips to pick up a desired storage unit.

• Evaluate storage needs on your own: Unless you know the purpose of your renting the storage facility, you cannot choose a suitable storage facility for your requirements. There could be varied reasons why someone may want to choose a self-storage facility and depending on that, the storage company will align the services. So, decide whether you need storage for work or your household items. Also, think of the maximum duration you would require booking the storage unit, etc. Plus, do not forget to catalog your storage items beforehand so you can brief the same to the storage company.

• Research everything about storage services: Once you have created a refined inventory for your storage items, evaluate it again to make sure you are not including unnecessary stuff. Storage facilities are expensive and pointlessly sending items to storage would only multiply your expenses. So, take care of that and perform some assessment about storage services before signing up for a contract. Research how the storage companies charge for the services and how are special items taken care of at self-storage, the storage guidelines, additional costs, and every other important detail that can help you to choose sensibly. Compare quotes and choose an affordable storage option.

• Decide a final budget and negotiate: As we mentioned, you need not go beyond your budget because there are tons of options online that you can peruse to shortlist the one that perfectly fits your storage needs. Take your time; visit the storage facility in person if the unit is located nearby. Do have a look at its structure, security measures, management, and communication with the supervisor to get a better know-how of its operations. Verify company background before making a choice. Do not forget to save a few bucks by doing a thorough comparison of the quotations. Clarify all your concerns with the person handling your storage inquiry and go ahead only when you are completely sure.

• Inspect the essential storage amenities: When you are about to reserve a self-storage facility for your belongings, there are quite a few factors to consider, especially because it is about the well-being of your goods. What you can do is you can collect as much information about the storage company as you can so you can know what all amenities your goods shall be provided with. Some primal features to look out for in a storage unit include – CCTV monitoring, security patrolling, electronic gate system, fire and seismic protection, regular cleanliness, pest control, etc. Inquire about the entire process of goods retention within the storage facility, and their packing and retrieval policy and see how much you need to pay for this, so you can balance your expenses accordingly.

Major Category of Goods That Can Be Kept in Self-Storage Facilities

Though the general idea behind self-storage is to offer customers an additional space where they can safely keep their items for a brief or extended period, there are some classes of items that one can easily retain in these shielded spaces.

• Household Storage – Where one can stow away unused, off-season items from the house for one month, 4 months, 6 months, and even a year, at only a nominal cost. • Paperwork/Inventory Storage – Confidential Documents, important office records, etc. can be safely stored in self-storage. • Vehicle Storage – Although safe automobile storage requires highly-customized spaces and well-integrated security systems in place, many self-storage units have the provision where customers can keep their vehicles safely. • Special Items Storage – Households often have a decent range of special articles that require extra safety to be reserved for longer. Self-storage assures high-degree of safety for these high-value goods. Plus, retailers dealing with special items that are highly sensitive can opt for this amenity to upkeep their stock securely for longer.

Exclusive Amenities of Renting Self-Storage Unit

Different storage service providers have different portfolios of storage facilities. Although the main purpose of every storage unit is more or less the same you should still inspect the company you are about to choose for your storage needs so you do not compromise the wellbeing of your belongings at any cost. • Intrusion Alarm Systems • Insurance Coverage • Low Monthly Rentals and Premium • Top-Notch Packing Materials • Well Integrated Cataloguing System • Suitable Environment to Store a Variety of Goods • Goods Retained in Separate, Secure Cells

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How Cross-Selling Boosts eCommerce Sales

When you’re trying to sell products online, amidst a sea of competitors, things can get pretty difficult.
It’s hard enough just getting people to your online store, let alone keeping them there, and convincing them to actually make a purchase.

Online shoppers are notorious for abandoning their carts, mere seconds before they go through the checkout, so when it comes to eCommerce, many people are wary of the idea of cross-selling, for fear of annoying potential customers and scaring them away before they buy.

But the truth is, if you want to boost eCommerce sales, cross-selling can be an invaluable tool, and most sales professionals will attest to this.

For example, a Hubspot survey of over 500 sales professionals found that 74 per cent of respondents who cross-sell say it’s responsible for up to 30 per cent of their revenue.

Moreover, another survey from HubSpot of more than 1,000 sales professionals from around the world found that 42 per cent of companies get 11-30 per cent of their revenue from cross-selling.

What’s more, the survey also asked sales professionals what their goals are for the coming year, the third most popular answer was to up-sell or cross-sell existing customers.

Among sales professionals, cross-selling is an incredibly popular tactic, and that’s because it’s so useful for helping them to increase sales.

That being said, cross-selling can also be applied to your online store, helping you to boost eCommerce sales by increasing the value of customers’ orders.

So, if you want to learn more about cross-selling, then you should definitely keep reading.

Because in this article, I’m going to explain exactly what cross-selling is, what not to do when cross-selling, and how it can help you to boost eCommerce sales in your online store.

What Is Cross-Selling? Cross-selling involves offering products or services to customers that are complementary or somehow related to something they’ve shown interest in or have already bought.

The idea is to try to convince customers to purchase additional products and/or services that will complement or improve what they’ve already purchased.

Using the fast-food industry as an example, cross-selling would involve offering customers who are buying a burger the ability to upgrade to a combo meal with fries and a drink.

In the context of what we do, cross-selling would entail offering complementary services to clients.

For instance, if we’ve already built a client’s website, or are in the process of doing so, we can offer them other related services, such as content marketing, or social media management.

If it’s not done in the right way, cross-selling can actually annoy potential customers, and this can deter them from making a purchase.

But when it’s done right, cross-selling offers a wealth of benefits for your business, like improving productivity and efficiency, and gaining greater loyalty from customers, which can help you to boost eCommerce sales.

Read: How to Improve Your eCommerce Website

How to Improve Your eCommerce Website

Understanding how to improve your eCommerce website can be tough, especially if you don’t work in the world of web design.

Sure, there are plenty of tools and resources out there to help you, but no matter what you choose to do, ensuring your eCommerce website is as effective as it can be is no small task.

So, if you’re wondering how you can improve your eCommerce website, then this article is for you.

It explores three common problems for a successful online store, such as having a site that’s not aesthetically pleasing, using the wrong platforms, and more.

Keep reading here.

What to Avoid When Cross-Selling While cross-selling does provide the potential to significantly boost eCommerce sales, if it’s not done in the right way, it can actually have the opposite effect.

So, before we get into how cross-selling can help you to boost your online sales, I wanted to point out some of the things you should avoid doing.

With that in mind, below I’ve listed several of the most common mistakes businesses make when trying to cross-sell to their customers.

Irrelevancy When you’re trying to cross-sell to your customers, make sure the products and/or services you’re recommending are actually relevant.

Offering products that have nothing to do with customers’ needs or whatever it is they’ve purchased can annoy them, or ruin their perception of your business, and this can result in lost sales.

Aggressiveness If you’re too aggressive in your efforts to cross-sell, this can be incredibly off-putting for customers.

Truth be told, there’s no better way to deter customers from doing business with you than being too pushy, so make sure to reign things in a bit, if need be.

Lack of Personalization If you’re not taking the needs and preferences of your customers into consideration then your attempts to cross-sell are probably not going to be very effective.

So, in order to ensure you’re providing personalized recommendations that are actually relevant to your customers, it’s important to invest in things like customer segmentation and data analysis, so you can be sure what you’re recommending is going to provide value for customers.

Cross-Selling Too Soon Before you attempt to cross-sell to customers, ideally, you’ve got to have some indication that they’re actually interested in making a purchase.

With that said, if you try to cross-sell too early in the sales process, it’s probably going to annoy your customers, and this could end up being a deal-breaker, so before you try to cross-sell anything to your customers, make sure to do whatever you can to ensure they’re interested.

How Cross-Selling Can Benefit Your Business As I already mentioned, if it’s done right, cross-selling offers many benefits for your business, and all of these aspects can help you to boost eCommerce sales.

That being said, now that you know what not to do, you’ll be much more well-equipped to understand how cross-selling can benefit your business, and what you need to do to make that happen.

With that in mind, here are some of the ways that cross-selling can benefit your business:

Efficiency Cross-selling can help businesses to make the most of their resources by being able to sell more products or services to existing customers, instead of having to acquire new ones.

This can improve efficiency and lead to increased cost savings, as the cost of acquiring new customers can be very high.

Productivity Through the process of cross-selling additional products and/or services to existing customers, businesses can drastically increase their productivity.

This can be chalked up to better allocation of resources, as less time and money will be spent on acquiring new customers, and more focus can be put on increasing sales from existing customers.

Increased Revenue When you’re trying to cross-sell, some customers are just never going to bite, and that’s okay.

But by consistently recommending relevant products and/or services to customers, businesses can bring in more revenue by increasing the number of products they sell, along with the average value of customers’ orders.

Improved Customer Experience Cross-selling is bound to annoy some customers, but there are those who truly enjoy it, and others who have even come to expect it.

When it’s done properly, cross-selling can significantly enhance the customer experience by offering personalized recommendations, which can result in customers being more satisfied with the products they purchase and their shopping experience as a whole, which can lead to greater loyalty.

Enhanced Customer Relationships One of the best ways to build trust, and in turn, improve your relationships with customers, is by showing them that you appreciate them, and understand their needs, desires, problems, and preferences.

And by offering relevant, personalized recommendations, cross-selling gives you the opportunity to gain this deeper understanding, while simultaneously showing appreciation and gaining greater trust by offering a more satisfying shopping experience, and letting customers know that you actually understand them.

More Repeat Business As you gain greater loyalty and trust from customers through cross-selling, this can lead to more repeat business.

Because when you encourage customers to look at products and/or services they may not have considered before, show them that you understand them, and enhance their shopping experience, they’ll be more likely to return to your store and do business with you again.

Better Profit Margins By complementing customers’ main purchases by promoting higher-margin products and/or services, cross-selling can help you to boost your profit margins.

And by offering these kinds of upgrades or add-ons, you can also increase the value of each customer’s purchase, giving yourself the ability to generate more profit from each sale.

Are you trying to figure out how to use cross-selling to increase sales for your online store? Contact us today to find out more about what we can do for you.

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Nagamenslot: Situs Slot Online dengan Deposit Minimal 5 Ribu

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Ideas for a Home Based Business

Finding a home based business that is interesting to you is important! The last thing you want is a home based business that you have no passion about and dread working on every day. The following suggestions for a home based business can be improved upon and be expanded; it only takes your imagination.

The largest home based business opportunity is sales. You can run a home based business selling candles. You can run a home based business selling make-up. You can run a home based business selling anything under the sun.

A hybrid home based business is becoming more popular for sales professionals who work for a specific company. Certain companies allow their sales force to work from the comfort of their own home.

Some people make a home based business by selling products on the internet. eBay is a large marketplace that the home based entrepreneur has flourish with. Other sales opportunities on the internet include running your own website to sell your own crafts or artisan products.

Another home based business that offers a plethora of opportunities is the service industry. Offering services to companies or individuals is a great way to run a home based business. Some common examples of services that people have made into a home based business are medical billing services, accounting services and marketing services. Any skill that another person may not have can be offered as a service including computer technical help or tutoring help.

There are many unique service-oriented home based businesses like offering a pet clean up service or offering a daily faxes to local business for some of the area restaurants.

The key to offering a service is to be able to offer it for less than the company or person is paying at the moment and offering a service that is value added. The unique service of offering a pet clean up service may not have a monetary value initially to the person, but it does have a time associated with it as well as the unwanted task factor.

If you are good at budgeting and finding ways to save a penny you can create a home based business offering your services to people or business you have a hard time finding those areas that they can save. Your service should be able to save a person or business more money than you charge them.

Working in a particular industry for a long time will give you an opportunity to start a home based business for the industry you are. Or you can start a home based business to offer services to customers that have problem dealing with this type of company. For example, dealing with an insurance agency can be a nightmare. If you have the expertise you can get paid for giving advice on how to deal with certain situations.

You can make a home based business by taking your passion in life and finding ways to make other people with the same passion ways to pursue their passion.

One of the best home based business adventures includes pursuing a hobby that is interesting to you. If you like dogs, golf, or you name it you can make a great home based business. All it takes is finding out what people want with the hobby you are interested and determining how to fulfill their want. If you like to take photos make a home based business taking and selling pictures. You can become a photographer for weddings, birthdays or any other special occasion. You can also set up a home based business playing with animals by offering a pet sitting business.

There are many home based businesses out there with people working online. Learning to design web sites and program can give you an advantage. However, you can also make a home based business by doing tasks programmers and designers don’t have time to do like writing articles or performing data entry.

There are many companies that are beginning to look at persons who want to have a home based business and telecommute. These jobs are not always readily available on most employment websites, but when you are surfing the web take a look at the employment offers web hosting or other computer based companies have available. Many of these companies have customer service positions they contract out to those wanting a home based business.

The last idea I will leave with you for a home based business includes a life style change for most people. Running a farm whether it is for horses or alpacas or even cows can be a good home based business. It can also be a good change of pace from the corporate world.

Learning a skill to run a home based business doesn’t have to be hard. Just pursue your passion!

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Searching For A Work From Home Based Business?

Today, many people are searching for a successful work at home based business program to make a little extra income or replace their current 9 to 5 day jobs. Most of these people will not have the needed capital to start a traditional walk in business.

So what is the solution for them?

Start an online work at home based business! It is home based and you don’t need to invest your money in a new office, equipment or any other costly stuff to get started.

Becoming successful as a home based business owner does not happen overnight. There is a learning process which does require some time and effort.Not all work from home programs are created equal or work for everyone. You’ll need to find a legitimate work at home based business opportunity that fits you and your goals. But building a successful home based business has become much simpler, and you don’t need a College Degree in Marketing to run one.

So how do you make sure you succeed in your online home based business? You need to think about what you would like to do. It’s best if you follow your passion or something you have knowledge in. You’ll have a better chance of succeeding with your home based business if you do something that you enjoy.

Home based business ideas don’t have to be clever; and you don’t have to come up with the next big idea on your own. If you’ve got an idea of what your interested in, could be something you’re passionate about, there’s a pretty good chance that there is already an opportunity out there that you just have to plug into, to easily start your own home based business. A wonderful place to find which work from home based business opportunity is right for you is to take our online work at home based business opportunity survey ([]) and be matched with several choices that fits your goals.

That’s one of the best things about legitimate work at home based business opportunities, they are actually pretty easy to find. One proven home based business opportunity ( can give you all the tools you need to succeed. You just take some interest that you have, add their proven guide for constructing a high traffic web site, follow their step by step guide of success and you’ll have an instant successful home based business.

One of the great rewards to owning your own work at home based business, besides being extremely affordable, is that you can set your own schedule. Having your own online home based business allows you to work as little or as much as you want. Of course, if you want your business to produce a full time income for you, you need to put more time and effort than if you are just working part-time.

So, if our ready to be your own boss and drive yourself towards the financial freedom you have been searching for, having an online home based business will definitely help you to reach your goals. It just doesn’t get any better.

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How To Get And Finance A Franchise Purchase In Canada

The decision to both get a franchise opportunity and then finance a franchise purchase are of course intertwined. Is picking the right franchise more important than financing the new business venture? – we’re not sure – probably equally as important – but let’s look at some solid tips and info on franchise financing in Canada, how it works, and how that choice or pick you just made can be translated into a successful entrepreneurial career.

There is a whole industry known as ‘ franchise consultants ‘ that have the skills and ability to help you assess which type of business best suits yourself. If you talk to these people it always comes down to matching your basic personality to your business strengths and interests. Your ability to match those against a solid business opportunity in the franchise industry will ultimately be your success.

We’re the first ones to agree that when you pick a franchise that matches your skills and overall financial capacity your chances of profit and success greatly improve.

So, you have made you finance decision, now how do you get and finance a franchise purchase. In Canada there is one major program our clients use to qualify for franchise financing – it’s a loan program called the CSBF / BIL program, which is the way in which the majority of franchises are financed in Canada. Utilizing this program properly will guide you ultimately to a well financed business that should allow you to meet your personal and business goals.

Your ability to get a franchise purchase closed successfully requires you meet the requirements of your franchisor, i.e. your new business partner so to speak, as well as the lender. You need to understand your initial costs, which are often a combination of soft costs and hard costs. In our experience you will have greater challenge financing the soft costs; they include the franchise fee, and other misc items that are not tangible assets.

The BIL/CSBF program we mentioned covers assets such as fixtures, equipment and also leaseholds. Your ability to finance leaseholds under a franchise loan is very important, as these items are typically not able to be financed under conventional means.

Money. Yours and the lenders. By that we are referring to your ability to put a reasonable down payment, or what the lender calls ‘ equity ‘ into your transaction. And, you’re right. We already know your next questions, because it’s been asked a thousand times: ‘ How much do I have to put into the business to get and finance a franchise purchase properly ‘. Answer: It depends, but a typical franchise investment should be in the 30 -40% per cent range to allow you to have the right combination of both debt ( i.e. borrowed funds) and equity – which is your cushion that allows you to maintain proper leverage around how much debt the business can manage.

One mistake many new franchisees make is that they finance the business from an opening purchase perspective, and aren’t focusing on ongoing working capital needs, which is in our opinion just as important.

In summary, use you own skills or that of a consultant to match your strengths and experience and personality to a franchise that will work for your from a personal and financial goal perspective. Speak to an experienced, credible and successful Canadian business financing advisor on how to best structure the finances around your purchase. Utilize the BIL/CSBF program to the maximum that you can, as it provides solid terms, minimal guarantees, and great rates and flexibility.

P.S. Keep us posted and congratulations on your new role as business owner and entrepreneur.

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Help! My New Car Financing Has Eaten My Raise!

Let’s take a look at the facts: Housing prices are rising at a clip of 10-15% per year, tuition costs are rising by an average of 10% each fall, and energy costs – well, the average rise in prices depends on the week you happen to be looking at, but double-digit increases have been the norm for the past few years. And now, the really depressing fact: Average wage increases have hovered between a measly 3 and 4 percent for the past three years. Now what, you ask, does any of this have to do with car financing?

Hey, as simple as can be stated, it boils down to numbers. Interest rates: These are the hidden little killers that can destroy retirement plans and lifestyles over the course of a lifetime. Car financing is the second most important credit-related decision you will ever make, the first being the mortgage on your home. So, just as an example, let’s say that you make $30,000 per year and are looking to finance a $25,000 car over five years. The difference between attaining approved car financing at 6% interest and 16% interest equals $130 per month if you take the loan out over 5 years! And here’s the clincher – a 3% annual increase in salary will net you an extra $900 per year (and that’s before taxes), while saving $130 per month on your car financing puts nearly $1600 more dollars in your pocket. (And hey, that’s after taxes!) Even a few percentage points difference on your car financing can actually equal or exceed the raise you got from work this year!

I had no idea those tiny numbers could add up to so much money! What is my best option for getting an approved car finance plan – with the lowest interest rates?

In the end, your credit rating, and the interest rates it commands, can make or break you over the course of your life. Car financing is not rocket science, but you really have to be careful with the numbers – or you can end up paying thousands of dollars more than you have to. Your best approved car finance option is probably going to be obtained through a bank or credit union. The great things about getting your car financing through a bank is that you tend to get the best rates, personalized service, and you don’t have to worry about some pushy car salesman trying to shove useless add-ons down your throat every five minutes! However, banks and credit unions have higher car-financing standards, so you need decent credit to consider this as an option.

But wait a minute – the banks always take forever to process a loan, and the salesperson at the dealership can get me approved in minutes!

This is very true. But there is a price for that convenience, isn’t there? The dealer almost always offers you a higher rate on car financing – and be prepared for them to try and sell you every single add-on you never wanted in the hour it takes them to fill out the paperwork! That approved car finance arranged through the dealership may save you a week over financing through a bank – but just a few percentage points difference in interest rates can easily cost you $1,000 more each year for the entire length of your loan. So in the end…how much is that week worth to you?

All right…the dealer can be a bad option for car financing – but what about those online places that can approve me in minutes?

In all honesty, the Internet can be a great place to secure approved car finance. With the ability to hop around and shop the different sites, you can definitely get some decent interest rates, sometimes comparable to those offered by a bank – plus you can get approved in minutes, and be driving your new car in a day or so. So what’s the catch? Well, the Internet has more than its fair share of scammers just looking to get your social security number and other vital information. If that car financing information ends up in the wrong hands…well, you can do the math! Plus, the ‘Net can be terribly impersonal at times – but it is still a viable option for approved car finance at competitive interest rates.

Impulsive and poorly made car financing options can literally cost you the price of an entire new car over the course of your life. Approved car finance is available through a number of outlets, and each has its own benefits and disadvantages. However, if you want to be able to afford actually driving your new car someplace other than home and work for the next few years, you may want to avoid the inflated car financing, AND those useless add-ons, offered by dealerships.

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Things to Remember While Investing in Art

The Indian art market is divided into two segments – Modern and Contemporary. Modern segment comprises of masters like M F Husain, S H Raza, F N Souza, VS Gaitonde, Amrita Sher Gill and more. Contemporary segment is comparatively young, around last 30 years. Alternately, Painters who were born after 1930.

1. Do your own research.

One of the first things to do before buying art is to empower yourself by reading up on art, visiting local art galleries, meeting artists/ collectors and other people who are actively involved in this field. Talk to artists, consultants and curators to get insights about the functioning of the art market and to also network with like-minded people intending to buy art also known as “Collectors”.

There are international auction houses like Sotheby’s and Christie’s which focus on Indian art. Also there are domestic auction houses like Pundoles, Asta guru and Saffron Art. You can contact dealers and galleries. You can also approach an art advisor. You can end up paying a consultant 2-5% fee for expensive works. The service for smaller works may cost 5-15% of the value of the artwork. Fees also depends upon rarity of art work.

Ensure that the dealers and galleries sell genuine/ authentic works. Art market is full with fake artworks, so make sure you do proper research before buying the art. Check few important documents while purchasing art like authenticity guarantee, a provenance certificate, that is the previous owners of the artwork, condition report, publications (if any). Nowadays, many auction houses like Saffronart do not provide authenticity certificate. While buying from the auction houses make sure you understand buyer’s premium and the total cost incurred by (delivery charge, taxes, etc). Usually when you are buying through a dealer, only the seller has to give commission to the dealer and not the buyer. This can also be happen when you buy from a gallery. Again this depends on dealer, gallery and artwork involved.

2. Quality, not quantity.

Invest in fewer pieces that are higher quality. Not all pieces done by a renowned artist are masterpieces. You must take help from experts to recognise a masterpiece. For instance, an oil on canvas is perhaps the most expensive form of painting. Then is an acrylic on canvas, followed by an acrylic on paper. Then would follow watercolor on paper and charcoal on paper.

3. Buy art that you like and understand. Allocate a budget.

Buy art that you like. It is something you may keep for a lifetime, as you don’t know whether you will be able to sell it or not. Unlike other forms of investment such as stocks, it is worth remembering that art has an aesthetic quality that can, and some say should, be appreciated outside of its monetary value. Art is a long term investment. Also, prices of a renowned artist’s works do not necessarily shoot up when he dies. Art should not form more than 5% of your total investments.

4. Maintaining the artwork

Once you buy the art, you also need to incur the maintenance cost like insurance, storage cost. Also you need to take care of the artwork, like art should be stored in an environment that does not get direct sunlight.

5. Investing in emerging artists

Experts say you can look at investing in emerging artists whose works are available from Rs 1 lakh onwards. Though they may be a good option, it is difficult to predict who will make it big in the future. For this, you need to take advice from experts in the field.

6. Prints, limited editions

If you have limited budget, you can also invest in limited edition prints like serigraphy, lithography.

7. Evaluating an artwork.

In west countries, art has a much bigger market. These countries have institutes that value art. In India, we do not have certified institutes that value art. But the artwork can be valued by auction houses and galleries. Of late, even insurance companies are vaulting artworks.

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