GET THE BIG PICTURE THE GATEWAY TO SUCESS Wed, 21 Feb 2018 17:47:45 +0000 en-US hourly 1 Tips for managing business finance Wed, 21 Feb 2018 17:47:45 +0000 As more people see the benefits of entrepreneurship, they’re taking the dive, registering LLCs and getting their small businesses off of the ground. It’s a great way to build wealth and leave a legacy for children in the future. However, there’s one component that tends to get a lot of small business owners in trouble. Poor money management is something that can literally derail a company into the ground. In some cases, a failure to report taxes is the blame. In other cases, a person might’ve failed to put the right person in charge of managing the finances. No matter what, there are a few ways any company can become intentional when it comes to managing business finance. Follow these tips to get started.

  1. Always pay taxes

Don’t allow taxes to be the one thing that gets your company stuck. If you’re confused on how to handle small business tax in your state, a quick Google search will get you started. Create a separate account and when you make a sale, always take out the designated percentage. Take that designated percentage and place it in the separate account. Once it’ts tax time, you won’t find yourself in trouble. If you can’t wait a full year, the government allows payment on a quarterly basis. This is an even better way to stay in the good graces of Uncle Sam. Once you can afford it, it’s wise to hire an accountant to handle the details of the tax payments. You could receive a lot of tax breaks as a small business owner and you don’t want to miss out on saving some extra cash. If you’re concerned about what to do from a legal standpoint or find yourself in trouble, consider contacting Tully Rinckey or another lawyer in your area. Tully Ricnkey Law is a special firm that offers a range of services including business law.

  1. Reinvest in the business

Many times, small business owners already practice poor money management at home. This poor habit tends to bleed over into their business. On a personal level, if you want your money to grow, it’s important to invest it in things that will help it grow. Stocks, mutual funds and real estate are a few ways to invest your personal finances to help them increase over a period of time. The same concept applies to your business. However, in this case, it’s important to reinvest the money back into your business. The business is already standing as its own investment and has the potential to profit. If you didn’t believe this, you wouldn’t have gone into business. However, too many entrepreneurs make the mistake of taking the extra profit only to spend it on frivolous personal items. Instead, it’s wise to reinvest at least 20% of the profits back into the business. Whether the money is going to purchase more equipment, advertising or new staff, it’s wise to reinvest to help the business grow.

  1. Make sure the profit margin makes sense

A wise person once said that “if it doesn’t make dollars, it doesn’t make sense.” Most businesses are in operation for three years before they turn a profit. This isn’t the case with all business. Some start off debt-free and stay that way. However, it’s very beneficial to take a close look at your expenses, the products and/or services offered and the profit margin. If the gap isn’t wide enough, you’ll never be able to turn a profit. However, if the profit margin is too high and doesn’t match the product or service, you’ll struggle to get customers. Take an honest look at what your business offers, determine the value your company brings to the marketplace and charge accordingly.



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Four Ways Businesses Can Diminish their Carbon Footprint in the World Sat, 03 Feb 2018 16:44:47 +0000 There are many consumers who are now using their hard-earned money to show companies that they want to support eco-friendly businesses. Many companies have decided that it is important to make changes in the way that they operate their businesses to ensure that they are as eco-friendly as they can be. The following guide walks you through a few changes that many businesses are making throughout the world in an effort to reduce their carbon footprint in the world.

Reducing Waste in Their Production Facilities

Large production plants have realized that completely replacing production equipment when it starts to wear down is not good for the environment. It is often far better to simply make repairs to the equipment so that they can be used as long as possible and so that as little waste is created as possible.

Many production companies are now using hard chrome plating to repair machinery when it starts to wear so that it can work as well as it did when it was in brand new condition and avoid having to toss it all away and replace it. This is often costlier for the business as well because they do not have to invest in entirely new equipment.

Reducing Carbon Emissions

Companies that use large fleets of vehicles in their business have realized that they need to make changes to reduce the number of emissions they put into the environment. Many businesses have started to invest in electric cars to use in their fleet so that their emissions can be greatly reduced, and their staff can still be as effective.

Using Eco-Friendly Sources of Power

Companies have also realized that relying solely on electric power is bad for the environment. Many have chosen to use alternative power sources to supplement their power usage. Wind, solar, and even water power are all being used throughout the globe to help power the businesses of today. Solar power is often the easiest option to use because sunlight is the most prevalent power source throughout the world. Wind and water power is only feasible in areas where there is a lot of wind or a viable water source.

Training their Staff About Carbon Footprint Reduction

In order for a business to reduce their carbon footprint as much as they possibly can, they need to have everyone working for them on board with the change. Many companies are choosing to train their staff about the negative effects the business can have on the world if they do not run an eco-friendly company. This can help the staff to realize why the change is so important and help them to start making efforts to be eco-friendlier by recycling when possible, planning out trips in advance to avoid having to make multiple trips in a week and thinking outside of the box when it comes to minimizing their carbon footprint.

Having an eco-friendly business will make a company more appealing to more people. Knowing that a company is willing to take a stand to protect the environment will encourage people to invest in the products that the company produces. Creating advertising that states that a business is an eco-friendly business and what changes are being made to lessen its carbon footprint in the world can be a great way to get the word out about the changes that are being made.

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Why You Should Learn to Say No More Often Thu, 25 Jan 2018 12:34:54 +0000 When it comes to being able to deliver projects on time and keep to pre-planned schedules, few skills are as important as time management. Regardless of whether you’re the CEO, a freelancer or an entry-level employee, being able to manage your time well can often be the difference between successful projects and unhappy clients.

One crucial aspect to effective time management is an ability to say ‘no’, whether that’s to family members, colleagues, clients or even your superiors. People who struggle with their time management are often those who say ‘yes’ too often, usually because they don’t want to turn down work or they’re eager to appear helpful and useful.

But saying ‘yes’ to anything requires a commitment – a responsibility to do what you said you would. This involves your time, focus and resources, and if you’re working to a tight schedule this can be difficult to deliver. If you want to be able to manage your time and projects more effectively, then you need to become comfortable with saying ‘no’, or at least saying ‘not at the moment’.

To get better at saying no, try pausing before you answer when someone makes a request. Whatever they’re asking you to do, take the time to consider how it will impact on your current schedule and responsibilities. If you feel you don’t have the time to fully commit, or you feel you won’t be able to do a good job, then communicate this to the person asking. Only say yes if you can truly commit your time and resources to the new task without affecting your current projects – not only will this make it easier to manage your time well, but it will show those asking things of you that you’re not the sort of person to agree if you can’t do the job to the best of your abilities. You’re showing that you respect them and your current projects enough to only agree when you can do the job well, and this will reflect well on you in the long run.

If time management is a problem for you, consider checking out this wonderful infographic from STL, showing you the most common time management mistakes and how you can avoid them in your own work.


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How to Thrive In As an Expat – 3 Ways Sure to Help Thu, 18 Jan 2018 18:54:57 +0000 As an expat living in a foreign country, it is crucial to understand the new culture of your adopted country while ensuring you don’t over stretch yourself. This will surely help you to finding the right balance adapting to the new environment and still being your real self.

Fitting to the new country has always been the major challenge expats used to have over the years. However, if you adopt the 3 following tips, you will not only enjoy your new country but you would even thrive!

  1. Learn the Language

There is no way you can run away from the cobweb of language barrier, whether you had the basic knowledge of the new language or you did not. It is must for you to channel some energy and time to learn the language as it will not only make you understand their values but also appreciate and respect them.  Of course, being a native English speaker does it good by helping you through your new non-English speaking environment. However, you will be better off if you can communicate in the local language as this will give you that edge as compared to the other expats in the country.

You will be highly appreciated for your effort in learning their language and you will be saved from their possible bad plots. Surely, language learning can really be a curse sometimes if you are a complete beginner but trust me; you will enjoy it well by attending few classes.  You are always free to choose your preferred method to get the basic knowledge of the language, improve on it and try becoming fluent. There are many ways way to do this, one of which is to watch videos course online.

  1. To Date Locally Using Tinder

Tinder still remains one of the best and most popular apps when it comes to meeting with people in your proximity. Therefore, as an expat you will not want to be left out of this fun of meeting new people being locals or the foreigners like yourself inhabiting your new environment.

Tinder is so great in that it is usually easy to operate, the app is designed for mobile users with a great layout and you can be sure that the clarity is good of a deal and it is a perfect fit when waiting for the bus. Guess what? You can even use Tinder at work if you have a VPN!

  1. Keep in Touch With Your Home Country

Being an expat does not make you a complete stranger to your home country and so, it is incumbent upon you to always stay in contact with your people at home because one day you will surely be going back there.

It is crucial also note that the new life in the new environment will surely take a toll on you in terms of how you see your home country now from the way it used to be before. Let it be said that your bi-cultural identity should not push you into rejecting the culture of your home country.

More importantly, never neglect staying in touch with friends and family in general, with the help of emails, WhatsApp, Skype and lots more; only then you will actualize this goal.


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EMV is the new tech for credit cards – All that you should know about it Tue, 26 Dec 2017 17:22:01 +0000 It has already been 2 years when the entire nation shifted to EMV. Europay, MasterCard and Visa is what EMV stands for and it is nothing but a global standard for credit cards that are armed with computer chips and the tech that is leveraged to authenticate transactions via chip card. Due to the soaring data breaches and surging rates of credit card identity theft, the American card issuing companies have all shifted to this brand new technology to safeguard the customers and reduce fraud costs.

Such improved credit cards with EMV readers likes the ones offered by SumUp are being employed just to enhance the security of online payments and to make it tougher for the fraudsters to counterfeit cards. So, if you’re new to the idea of EMV chip cards, here are few doubts cleared for you.

EMV cards – How are they more secure than the swipe cards?

There is a small metallic square that you will find on the new cards and this is the computer chip. This chip is what sets apart this new technology behind cards. In the conventional swipe cards, the magnetic stripes contain data that remains unchanged. Anyone who accesses the data will gain the sensitive information which is necessary for making purchases. The swipe cards are the ultimate targets for the counterfeiters who convert card data that’s stolen to cash. EMV credit card technology will prohibit such data breaches and thereby help the card issuing company.

How are EMV cards supposed to be used during a purchase?

Just as magnetic swipe credit cards, EMV cards can be processed for making payments in 2 steps, via a card reader for credit card and transaction verification. These cards are read in a different manner and hence you won’t have to swipe it in any direction. Rather than going to a register and swipe a card, you will do what is called card dipping. Whenever the EMV card is dipped, the data flows via the chip of the card.

Is it needed to sign or enter the PIN for carrying out transactions for the card?

The answer to this is both ‘Yes’ and ‘No’. You’ll require one of the verification methods but it depends on the verification method which is tied to the EMV card. PIN and Chip cards operate like the similar checking account card which you were using for many years now. Whenever you enter the PIN, the PIN connects to the terminal of payment to the payment processor for approval and verification. So, it is most likely that you will require memorizing the new PINs everytime you use the card.

However, the chip and PIN cards have become the current norm in most of the countries which support this new technology called EMV. So, the consumers with chip and sign cards might see few new merchants who are not willing to process the cards, despite having an embedded chip. Despite the difficulties in such transactions, this change is definitely going to bring a positive change to the industry.

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Packaging: What Proper Analysis Can Achieve Sat, 23 Dec 2017 13:54:16 +0000 When you think of achieving success in a business, some of the first things that might pop into your mind are quality products and a successful marketing campaign to help exposure. Perhaps working hard to ensure that every single aspect of what your company does has quality assurance. How about its packaging? You could certainly be forgiven if you didn’t think too much about the packaging of your products, because at face value it’s just something to keep your products safe.

However, there can be so much more to the packaging industry than most of us realise. The way that this industry in particular can make waves and propel a business all the way to true success can be very surprising. The ones who tend to benefit the most are businesses which know that it takes a lot more effort to work on one’s packaging and brand than many believe.


Your brand represents your business, which is reflected by the packaging

While it certainly serves a very simple purpose, it can be amazing what a few creative ideas can do to really boost a company’s image or their product’s sales. For example, yours might be a business that concentrates on certain products such as hot sauce. While you might have seen many different bottles of hot sauce over the years, there is one particular product called the flash bang that is quite popular. What is different about this one is that the packaging makes it look like a flash bang; you even pull a pin in order to open it. People who enjoy hot sauce purchase this product for packaging alone. As a matter of fact many people who are entertained by the novelty of it do the same thing.


Creativity backed up by research and analysis

It isn’t enough that your business is capable of making creative forms of packaging. The packaging industry in general is often a sensitive one, where the slightest change can have a great deal of consequences. This is why some companies decide to opt for services that are dedicated to analysis of the past and current packaging market trends in order to come up with something that would work both today and in the foreseeable future.

When it comes to just about every industry, how a product is packaged can mean the difference between the product being purchased or overlooked. When so much depends on this particular aspect, it’s often best to leave the analysis to professionals capable of achieving fantastic results. These experts take their work very seriously, and they will cut no corners to come up with research and analysis that will allow your company’s brand to show its true colours.





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How Democracy-Building Organizations Make a Difference Wed, 20 Dec 2017 17:31:44 +0000 Non-government organizations, or NGOs, have relied on grant money to further their democracy-building activities for many years. Groups such as the National Endowment for Democracy and similar organizations have supplied a lot of the grant funding these NGOs need to continue their work. Democracy has been difficult for many countries to achieve, even with all the possibilities offered in modern society. When scholars, practitioners, and activists have the resources they need, there is much they can achieve.

Funding Political Parties

Many countries facing struggles reaching or maintaining democracy lack multiple political parties to give all of their citizens more influence in the legislative process. Starting new political parties often helps give the disenfranchised more of a voice in their government. With more opportunities for citizens to engage with politicians who are representing their interests, voters are more likely to participate in the political process.

Starting Trade Unions

For many countries, lack of organized labor that can bring about changes in working conditions negatively impacts workers’ ability to provide for their families and enjoy a good quality of life. Activists often note the irony of workers in many non-democratic companies producing goods that residents of democracies often take for granted. A union presence in many of these countries can pave the way for workers to enjoy fairer wages and a better quality of life.

Setting Up Business Organizations

National Endowment for Democracy business objectives and those of similar groups include initiatives to make it easier for poorer members of society to start businesses. Being able to start a business is often a lifesaver for citizens of undeveloped countries that offer few viable job opportunities. Businesses that women start also help increase the family income, allow widows or divorcees to support themselves, allow families to have fewer children who enjoy a better quality of life and help prevent teenage marriages that put new generations of young women in poverty.

Establishing a Free Press

One of the foundational parts of a democracy is having a free press, which helps support a free society. Many countries around the world do not totally support an independent media, which restricts the information that its citizens receive. Having an independent media that can accurately report on issues affecting a country’s government and its citizens makes a difference.

Why Diversity Matters


Freedom is a universal concept that transcends nationalities, religious and ethnic groups. Even though much of the funding for NGOs that support more democratic governments comes from the United States, it is not necessary to base every model on the US or any specific country. One of the biggest strengths of a democracy is its ability to adapt to local needs.

Transparency Always Matters

One of the biggest strengths that any group involved with democracy-building will have is transparency, bipartisan support when applicable, and accountability to the public. Any group entrusted with providing important grants should always be transparent in its dealings with others. When there is any degree of government funding involved, bipartisan support is essential to ensure continued success. A group should also treat itself as being accountable to the public by making records of its financial activities available to the public.

The work of democracy-building organizations has always been and continues to be important across the globe.

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Reputation Management Companies and Why They Are Needed Mon, 04 Dec 2017 10:17:32 +0000 The idea of PR is nothing new and wealthy individuals, public figures and celebrities have been using these kinds of services for many years to manage how they are perceived by the public. In the modern age however, reputation management companies are far more important than they have ever been and there is a wide range of individuals and businesses who are using their services to clean up their reputation online. The internet is relatively unpoliced which means that anything and everything can be put online about you, be it true or otherwise. These companies are greatly important and here are just a few reasons why people rely on them.

Guilt By Association

Many businesses will have various partnerships and mutually beneficial relationships which they’ll depend upon to further their business. When one of the parties is caught doing something unethical however, the internet will draw guilt by association, even if the business in question has done nothing wrong. In an instance like this, a reputation management company can work hard on erasing any connection between the two businesses so that an innocent business is not accused of things which they have nothing to do with.


If you have been accused of a crime and you are innocent, it is likely that once you have been accused at all, that your name and the connecting story can be easily found online. The negative is that even once innocence is proved, those accusatory stories will still be online. In order to fix this issue, you can contact a reputation management team who will put the wheels in motion to erase any evidence of this wrongful accusation. Having stories like this about you online can really damage your reputation and could even prevent you from getting jobs in the future.

Disgruntled Employee

In what seems like a daily occurrence, there are many disgruntled employees out there, or ex-employees, who have taken it upon themselves to besmirch the reputation of their employer. The way in which they do this is to leave terrible reviews and slanderous comments throughout the internet and social media, in an effort to damage business for their employer. Thankfully in cases like this, reputation management companies are on hand to undo the negative slander which this individual may have thrown at your business.

Reputation is Key

The biggest reason why reputation management companies are needed is because reputation, especially online, is more important than it has ever been, especially for businesses. There is so much fierce competition throughout most industries that it can be difficult to gain loyalty from customers and the best way to do so is through creating a trustworthy business and brand. Naturally if you have a poor online reputation, through no fault of your own, then you can end up losing the trust of these customers. Without reputation management companies, businesses will be susceptible to all form of online attacks.

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Innovation Software Tools and How They Can Help Your Business To Grow Mon, 04 Dec 2017 10:12:06 +0000 As a business owner it is vitally important that you are constantly looking for ways in which you can shape, improve and grow your business. One such way of doing this is through unlocking the ideas and the innovation which you already have within your work force. In order to promote and encourage this kind of innovation, there are a great many software solutions which will enable you to perfectly manage the ideas which come from within. If you are not yet convinced, here are just a few ways in which innovation software tools can greatly enhance your business.

Encourage Passion

It is highly unlikely that an employee will have a communication channel with you that will allow them to share any new ideas which they have about how the business should be run. For this reason, innovation management software is the perfect solution as all users of the software will have a platform where they can share ideas and innovative thoughts. As the owner you can review any new ideas daily and decide which ideas make the most sense. This opportunity for employees to join in with the running of the business can really help to feed their passion.

Problem Solving

If you are looking for ways to fix or solve  problem which the business has, you can put this problem to your work force through the software. The beauty of this kind of software is that you won’t just be putting out some kind of call to action, you can actually support the problem with graphs and specific details about where the problem lies. This is a great way of motivating innovation within your work force and you could find that the solution to the business problem comes from a source which you may not have been expecting.


Getting new ideas to market is often a slow process given the amount of meetings and fact finding which you must do beforehand. Using this software however flips that idea on its head and in a single day you can have all of the invested parties on board and discussing ways and means, though the software.

Best Practice Sharing

Businesses with multiple locations can easily share their best practices between all of your offices or locations through this smart software. Let’s say for example that you office in Bangkok has found a smart way of ordering that saves time and money, they can share this information, with supporting data, amongst the rest of your locations around the world, in a click of a button. It is always important that businesses are on the lookout for innovative ways of doing things be it on a local or global level and through the use of this software, you can do exactly that.

If you want to enhance and motivate innovative thinking within your business, share ideas quickly and ultimately manage the ideas coming from within, you need this software in your life.

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What Can a Personal Bankruptcy Lawyer Do for You? Mon, 04 Dec 2017 09:57:05 +0000 A personal bankruptcy lawyer is a legal expert who helps their clients through the process of bankruptcy. There are incredibly complex laws surrounding bankruptcy, which is why it is very difficult to arrange this without legal representation, although it is allowed. When you hire a lawyer, however, you will have a specialist who knows the local laws working on your side, filing all the relevant paperwork on time and in the right way, making sure you can benefit as much as possible.

What Is Bankruptcy?

The process of filing for bankruptcy is very complex. That said, it is still the best way to recover from getting into a situation of unmanageable finances. Different complex bankruptcy laws are in place, including stringent rules on how documents must be filed according to local and state laws. By enlisting the services of a personal lawyer, how knows the laws and bylaws, the filings can generally be set up properly, ensuring people can keep at least some assets and rebuild their credit rating in a way that is more likely to be in their favor.

In the United States, a Bankruptcy Code must be followed, which is relevant across the country. However, local bylaws and laws supplement the national Code. Different countries have their own laws, such as:

All of these laws set out the condition on which it is allowed for someone to file for bankruptcy, what they need to do about their outstanding debt, and what the consequences of bankruptcy are in relation to their credit rating and taxes. Additionally, it describes exactly how people’s assets have to be managed if their bankruptcy petition is accepted.

The Work of a Personal Bankruptcy Lawyer

Bankruptcy, or insolvency, is a legal announcement, which is why the courts have to manage it. A lawyer’s main responsibility will be to make sure their client’s needs and interests are safeguarded as much as possible. They are there to make sure the settlement will favor the client, rather than the creditors. They will fight the corner of their client, managing the relevant procedures and formalities, and appear in court on behalf of their client.

A personal bankruptcy lawyer has a lot of different responsibilities. One of the most important ones, however, is that of structuring the bankruptcy itself. There are usually many different ways in which this can be filed. For instance, they may liquidate their assets and thereby pay their bills, they may ask for their debt to be reorganized, they may have their debts combined, or they may ask for tax relief so that they can pay for their debts. The lawyer is there, as well, to educate the client on which options there are and which one is right for them, but also to give them advice on how to better manage their finances in the future so they can rebuild their lives.

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