General Business

Spending Money on Your Business

If you’re running your own business, you will certainly have to spend money on it – it’s not a case of whether you’re going to but when and how. You need to spend money to hire staff, for vital resources like premises and computers, for stock, for expansion and for expertise.

The most important thing is to achieve a return on your investment – to spend money in a way that makes you more money in the future.

Expertise

One good way to spend money, that strengthens your business and gives you more and better options in the future, is to invest in consults. Especially for young businesses and startups, they can be an injection of experience and expertise that is normally well beyond your budget.

It’s important to have clear goals and know exactly what you want to get out of the consulting relationship: it can be a way to spend a lot of money quickly to no great effect if you aren’t careful.

Consulting firms tend to cluster in large cities, so if you look in London strategy consulting, management consultancy and growth hacking firms all abound.

Growth

One of the highest priorities of any business is to grow: growth creates both stability and new opportunities, and it shouldn’t be neglected even if running a big business isn’t an ambition for you. You need to focus on growth to a certain extent merely to stay still in a rapidly changing market.

To grow you need to spend money: on marketing, on new premises and staff, on developing or sourcing new products, on logistics and fulfilment, but the promised rewards are much greater revenues. You need to be careful though: growth can overbalance a business. If you don’t ensure your logistics side is up to your new level of custom you risk not being able to fulfil orders and getting a bad reputation for disappointing customers. When you decide to invest in growth, make sure you’re ready.

Research

One way you can help your growth go as you’d like is to invest in research – about market conditions, about the customers you’re selling to, and about what your competitors are planning. Market research helps you tune your offer to what your customers most want and are most likely to buy, and competitor research helps you avoid trying to launch new products or whole new locations at the same time as a competitor is planning a similar initiative.

Investing in finding the white space in the market to launch something your customers will really be tempted by is a good way to spend your money!

What Are the Positive Effects of The Internet On Business?

As the technology of the world continues to grow, the uses of the internet for business will continue to increase. Companies are pushing their consumers to do more business through online platforms. In turn customers are pushing all businesses to create platforms upon online sites. As technology, such as Blockchain and Meta, continue to thrive and grow, the internet will have an even larger impact.

There are so many benefits that business has had from the internet that it would be hard to discuss them all in this short article. We will go over some of the top ones that have affected companies throughout the last few years, as well as some that will continue to have an impact.

  1. Accessibility-One of the biggest positive effects would be access. Companies have access to suppliers and customers. Customers have access to banks and sellers. Suppliers have access to wholesalers. Wholesalers have access to manufacturing plants. And around it goes again. All of this is done through platforms based on the internet. Since cheap internet is available more people get hooked up and have access to whichever level of life that they are at.
  2. Information-If you have not been living under a rock you have been on the internet at least once in your life. Information can be found anywhere on the web. Everywhere that you surf you will find information on something. Businesses have the same information available to them, and if they choose to, they can have even more. For instance, anyone that has access to some basic information can learn anything about that person. A good example would be a bank when you try to get a loan.
  3. Streamlining-Companies that are hooked up to the internet area able to streamline every part of their operation. Payroll and insurance can be done through a central computer. Production lines can run without any human error, instead relying on software that makes everything work. With the use of IoT (Internet of Things) you can run an entire factory from your home, in your pj’s. With this capability your company can order, produce, package, and ship without ever being touched by a human. That is streamlining at its best.
  4. Data Storage-At one time companies had to have a storage room just for the boxes of records that they were required to have. Computers helped with holding and using the information, but it still had to be moved to an external storage device, or onto disks and then boxed for storage. Now companies can store everything online in storage facilities off location. And of course, the technology mentioned before that allows the storage to be spread out over an entire network of people on a public ledger.
  5. Work-Work at one time involved getting out of bed, showering, dressing, eating breakfast, and then off to a location that could be an hour or so away. Getting through the workday, and then making the long road trip back. For some people that is a thing of the past. Working from home is becoming more common. You can work from your bed if you want and put in an entire day of work without getting dressed.

Those are the top five reasons how the internet has helped business. As mentioned earlier there are much more, such as insurance, payroll, social platforms, marketing, and communications. That is just to name a few. The bottom line is that the internet has changed business in ways that have improved how it is conducted, and how it is managed. The internet has helped companies streamline processes, get more customers, and learn what makes their consumers tick.

What are UX/UI design services

Who is a UX / UI designer

UI / UX designer is a creative specialist who designs user interfaces. UI and UX are two different design profiles, but most often, tasks in both directions are closely related, and therefore they are done by one universal specialist.

This profession has a long history. Any customization of the appearance of a product (packaging, ergonomics, outdoor advertising) can be called UI / UX design because, with its help, the final product becomes convenient for the buyer. The only difference is that modern UI / UX designers use modern tools.

As a rule, a UI designer works in a duet with a UX, but according to the latest trends, the duties of both employees began to be performed by one person – a UI / UX designer.

UI (“User Interface”) – and UX (“user experience”). The UI designer is responsible for rendering the application, making it usable and functional. In order for the product to be perceived comfortably through the eyes of the user, the UI specialist is responsible for the selection of shapes, colors, and other parameters. As for the UX designer, he is more responsible for the functionality of the design. The bottom line: the application is easy and convenient to use.

What is UX design

UX is the experience of working with the interface of an application or website. The user experience depends on the components: graphic design, site architecture, the responsiveness of the interface, and clear text.

In a broader sense, it refers to all the experience a user gets when interacting with an application or site. The clearer and more accessible the interface, the easier it is for the user to get the result by performing the targeted action. Mandatory responsibilities in UX design are behavioral prototyping, learning user habits, and systematic testing.

Marketing engineer. Is the other side of the UX designer. A specialist studies analytics, draws up technical specifications for copywriters, thinks over the connections between interface elements and their visual arrangement. As a result, he gets a prototype, the effectiveness of which depends directly on the quality of the work done.

What is UI design

UI design is working on the graphical part of the interface. This includes animations, photos, illustrations, buttons, menus, fonts, sliders.

The main task of a UI designer is to help a typical user quickly and easily understand how to use a product. This can be a website, an application, a payment terminal, a TV remote control, an oven. In any product, the interface must be made based on the requirements and rules common to each type of gadget.

The UI designer orchestrates the objects in the interface and checks:

  • is the dropdown working correctly
  • is it convenient to click “Order”
  • Is the text readable from a smartphone
  • is it easy to fill out the form
  • is the correct message given by the site upon action

The UI designer is responsible for how the product interface looks and how the user interacts with its elements. But you need to understand that in addition to the graphical interface, there is a voice, tactile and sound one. A UI specialist also handles them, but the graphic is the most common among his tasks.

How to become a UI \ UX designer

  1. Choose directions in design.

The choice depends on personal preference and interests. Here is a clear and convenient scheme by which you can find your interests and get a ready-made specialty:

  • The visual part of the design is graphic designers (UI).
  • The logic of product interaction with the user, user-friendly interface, analysis, and testing – user experience (UX) designers.
  • The mix of the first and the second with an in-depth study of the product – Product Designers.
  • The layout of magazines, leaflets, banners; company identity – Graphic Designers.
  1. Explore the tools for the job

Beginners should start right away with Sketch or Figma. But it is recommended to have basic skills in Adobe Photoshop and Illustrator, as often these programs improve.

If you have already decided on UI \ UX in design, you need to study vacancies in this area. They clearly and according to the list indicate the tools that the candidate for the position should own.

What a UI / UX designer needs to know and what to own:

  • Sketch (interface design)
  • Figma (interface design with the ability to collaborate)
  • Adobe Photoshop and Illustrator (additional functionality)
  • Adobe XD (prototyping, interface design)
  • Invision App (Collaborative Prototyping)
  • Balsamiq (creating layouts)
  • RedPen (collective problem book)
  • Notion (task manager)
  • Framer (design of interactive mobile interfaces)

The demand in the labor market depends on experience, skills, portfolio. All this should be clearly and understandably placed on the resume. The first thing a UI / UX designer needs to do is build a portfolio.

Startup Funding with Investors

Your startup can turn into a highly profitable business on a few important conditions. First of all, you need to come with a brilliant idea. Then, you need to think everything through and create a detailed business plan. Finally, you need to find enough funds to implement your project. The latter can become the most challenging part. However, if you have a quality investors database in excel, this will significantly simplify your task. Learn more info on an effective way to find an ideal investor for your project. 

Why Use a Pre-collected Database?

Investorscsv allows you to get a comprehensive investors list in a few clicks. There are more than 50,000 potential funding companies in the database. How much time would you need to spend to find high-quality data of those who may invest money in your project? It will even take you longer to gather the valid contact information of those companies. 

If you have a comprehensive investor database, you will only need to create an effective business offer and send it out to all of them at once via a preferred contact method. 

Why Purchase an Investor Database from Investorscsv?

The following are the reasons to purchase the investor database from Investorscsv:

  • Real-time updates. Even if you have already purchased a database, the latest version will be sent to your email.
  • Database matching your requirements. You can filter the database to get info on investors from a particular country and/or industry.
  • Easy ordering process. Simply click on the purchase button, make a payment, and you will get the file at your email address shortly.
  • A variety of payment methods. You will be able to pay for your order using different popular payment options, such as Bank card (Visa and MasterCard), PayPal, and American Express.
  • 15-day money-back guarantee. You will get a full refund if you do not like the database.

REASONS GLOBAL SHIPPING COSTS WILL CONTINUE TO RISE

Global shipping costs have skyrocketed over the last couple of years due to the covid-19 pandemic. In the beginning, the demand for products rose dramatically due to public hysteria and mass hoarding. CNN claims that if the rates continue their current track by 2023 inflation amounts will cause a huge economic crisis.

The production lines were hard-pressed to keep up before the lockdowns, but since they had to deal with making more freight with fewer people, it became an impossible task. As things leveled out a little and more products were available the ports started becoming overloaded with containers, and ships.

Each port can optimally handle a set amount of storage units. Currently, there is not enough room for all the containers that are needed. Ports are even being overloaded with boats to the point of having them wait in the water around the ports until a dock opens. This slows down delivery, causing a loss in profits, which pushes up costs to cover the loss of time. It becomes a vicious circle that ends in consumers paying more money for shipping.

Fierce competition between shipping companies has ensued. Bids for access to the ports and storage areas have risen to amounts beyond reason. This also has caused an increase in shipping amounts. Companies must cover their costs to stay in business. Having to make, and pay, such high amounts will always roll down to the consumers. The International Commerce terms and rules state that the buyer will pay for the increase in prices. An INCO glossary will give you a complete breakdown of the terms and policies used, as well as an explanation of what they mean.

The unbalanced bounce back of the production lines, and the sporadic closing of ports and shipping lanes, have caused shippers to drop behind their normal schedules. It makes it impossible for time frames to get back to normal until the supply and demand can keep up with each other.

One of the main issues causing the hike in cost is the fact that ocean freight companies have a monopoly on shipping. There is no other feasible way to get items from country to country. Of course, once the products have made it to the ports, regular shipping lanes can handle getting them to the exact locations needed. Until it gets to the ports, though, ocean liners have complete control. With not much competition they can raise shipping costs. If you want the products, you will have no choice but to pay the inflated amounts.

All these issues lead to one thing. Shipping costs going up, and staying up, for the long haul. Costs will continue to rise, which will increase the price of the products, and will hit the consumer in the pocketbook. There is no end in sight to the inflated prices. Even when the covid-19 virus gets under control the prices will stay where they are. Very seldom does the cost of service go down in price once it has been increased.

Ten effective guidelines for the rookie traders

Nowadays entire globe is discussing how anyone could be more profitable. Even you can overhear the stories of success among people. Among those who were arrived at the online exchange, the scene made a big amount of money. No matter how you compete in the Forex market, you have to follow some rules. Let’s dive into the details.

  1. Follow your trading plans

Investors are counseled to follow a trading plan and trail it throughout the whole trading period. It is tough to fight with our usual propensity to do anything differently or break down a portion of the trading plan. Liability to do something that never is a component of the strategy is one of the main reasons also for the decline of trade. Because of that, write down a swapping strategy with simplicity and try to shove it together with it.

  1. Continue learning

You cannot switch to a specific scheme from the outset as the market is dynamic in inature. The farther you will be capable of picking up and become accustomed to these alterations, the more it will be clearer. Read Out the most recent movements in trading and apply whatever you have discovered to make innovative strategies.

  1. Do not allow your failures multifaceted

Your trading strategy should specify from and when you will cease losing money. It should have included a schedule for when you must stop trading. Market conditions may have altered, and your strategy or the execution of it did not proceed as planned. Do not hang on to a terrible deal in the hopes that something will improve in the future. Set a price at which you must purchase before the situation worsens. Come up with a strategy to reduce risk.

  1. Try to become a Master on Choosing Strategies

Before going on to another approach, concentrate on one and learn everything there is to know about it. Become the best at a specific strategy is preferable to becoming a jack during trades and being middling at numerous tactics at the same time. And while you master one specific strategy, use the best commodity broker so that you don’t have to deal with any technical problems.

  1. Do not be Emotional

This is a moment when there are several opportunities to build riches. You will also make poor trading decisions during this period driven by greed and anxiety. You can try to hang on through a tiny profit to gain it, just to have the marketplace shift and swing against you. You may be hesitant because of that encounter, potentially exacerbating your losses. Every next rule follows from this.

  1. Overtrade should be Eradicated

At any given time, you can open at least five slots. If you move a little further, you will tend to suffer the loss of management and make inadequate choices when the marketplace swings. Attempting to outmaneuver in the marketplace generally fails, and you will not feel like taking upon additional than you be able to handle.

  1. Formulate a withdrawal strategy

Withdrawing the profit should always be part of your trading strategy. Make a plan to get yourself out of every losing or winning situation. Remaining in the marketplace for an extended period can have negative implications. Obsessions almost always result in undesirable consequences. Taking breaks might sometimes be the first step toward mending your situation.

  1. Not ever Pursuit the market

The market is always in a downward spiral. Chasing only after the marketplace and attempting to outperform it is a lousy idea. Persistence will pay off in the form of a solid plan. If we keep rushing after the marketplace, you’ll never catch it. Allow it to hug you by being motionless.

  1. Be a knowledgeable trader

Before entering a trade, every time conduct your independent research. Taking advice from either friends or agents without understanding the risks might lead to poor conclusions. It is preferable not to make educated guesses about what will occur next.

  1. Do more and think less

Considering all the data at your disposal, you may find yourself trapped in a position, evaluating the benefits and disadvantages for far too long. Many individuals examine and over-analyze before acting. Putting up a strategy and forging ahead, even if it’s modest, will help you get off to a good chance.

Common Types of Workplace Discrimination

Workplace discrimination damages things for everyone.  A less diverse workplace means that fewer creative ideas will be shared, and companies may overlook glaring issues that could have been stopped by having someone with a different viewpoint on the staff.  If you’re unsure about how discrimination works or what even counts as discrimination, here are the most common types of discrimination people face in the workplace.

Age Discrimination.

Discrimination based on age can be horrible because it goes both ways.  Young applicants are often underpaid or overlooked because of their assumed inexperience.  On the other hand, older applicants are less likely to be hired because they’re considered ‘past their prime’ despite a lifetime of experience.  Younger people are less likely for promotions than older employees, and more senior employees are less likely to get to head creative departments.

Disability Discrimination.

Discrimination against people with disabilities has been a high point of contention in the United States for the last sixty years.  From disabled people being removed after petitioning the capital to their lower higher rates and even lower average wages despite being able to do plenty of jobs at the average or better.

Sexual Orientation.

Sexual orientation is still discriminated against, even though so many people assume we’ve solved this issue.  Although we’ve come a long way, LGBT+ people still have to face the fear of retaliation from their workplace if they want to live openly as themselves.

Religious Discrimination.

Especially in the last twenty years, there have been tons of discrimination cases against people who are parts of religion that aren’t what most of the people in their workplace follow.  This can be extremely painful because it forces people to hide a large amount of what builds them up.

National Origin.

If someone isn’t originally from the United States, they can face a lot of discrimination.  Whether it’s because of cultural differences, an accent, or anything else that cruel people can pick out-, they’ll find what they can to make immigrants miserable.  

Sexual Harassment.

Sexual harassment is still a serious problem, despite movements like Me Too working so hard to create a space where victims can report pests easily.  Unfortunately, just because people can report it more freely doesn’t mean many people are changing their behavior.  Sexual harassment can make someone feel unsafe and unwelcome in their working environment.

Racism and Colorism

Harassment based around race has been happening for longer than America has been a country: but we still owe it to each other to try and make it stop.  Colorism is similar because it disparages people of darker tones within the same race, but racism is far more common.  Both make people feel terrible about their skin color and leave them feeling unsafe and unwanted.

All of these types of discrimination are horrifying because these are things that people can’t help.  Nobody can change the color of their skin or their sexuality on a whim, and people shouldn’t punish them for just trying to live.  If you face this type of harassment at work, it’s time to talk to human resources or possibly even move forward with a lawsuit.

Plumbing Singapore Works For Home Walls

How do plumbing Singapore experts approach wall leakages and constructing waterproof surfaces? In this article, we briefly touch on how plumbing companies inspect your walls, find weak points and patch them up.

Check the surfaces of the wall surface

When you have inspected along the top of the wall next consider the surface of the wall. Meticulously examine it inside out. Is it exposed to the weather condition. Keep in mind that if you are in a gusty location the wind can drive rainfall at steep angles versus the wall surface. Sensibly created buildings have great roof protrudes which are designed to maintain rainfall off the walls. Roof covering overhangs additionally maintain sunlight off walls therefore keep inside room temperature levels down.

If you have a wall exposed to rain you can waterproof it to hinder water getting in. Take particular note of any splits in the wall which will require special treatment, we’ll arrive at that in a minute.

A word of warning, a wall surface needs to breath to ensure that if water does enter into it can vaporize out again. Do not water-proof both within and outdoors surface areas of a wall. If you do you may well constantly have moist walls.

Ways to Waterproof a Wall surface

There are a number of waterproofing items offered in the market allowing house owners to deal with their wall surfaces all on their own. However, if you’ve never ever handled a comparable residence enhancement job before or have no previous construction and remodelling experience, it’s best to leave this issue to experts.

Several business across waterproofing solutions. While their rates and techniques might significantly differ, they all more or less use similar material for intended results.

Depending on which section of your home you are waterproofing, these are a few of the products most likely to be made use of.

Using Silicate Concrete Sealer

Silicate-based concrete sealer possibly a bit more expensive than various other choices on the list, but it is likewise among one of the most efficient ways to waterproofing basement walls and roofing systems to name a few surface areas.

Silicate sealants permeate into concrete and chemically react with the surface to develop calcium silicate hydrate. It after that loads concrete pores and forms an obstacle versus wetness. If done appropriately, it likewise boosts the thickness and sturdiness of concrete without transforming its look.

Nevertheless, you can just spray the fluid silicate sealer on unpainted and unsealed surface areas. Additionally, numerous applications of this sealant might be called for to properly water resistant the surface area. The exact same chooses various other kinds of waterproofing products also.

Liquid waterproofing membrane layer approach, which entails spray-application of a polymer-modified asphalt membrane layer, is also one of one of the most prominent methods to waterproof a wall surface.

How to Do Keyword Research the Right Way

Keyword research remains a vital factor in search engine optimization or SEO. The right keywords will help you reach the goal of getting more traffic to your site and increasing conversion. It’s whether you are starting a blog or site, or you have an existing one.

The way that search engines run their algorithm keeps on changing. It is why the best SEO companies in Arlington are also constantly looking for ways on how to keep up with it. With all the ongoing changes, one of the things that remain the same is the importance of keywords in ranking on search engines and getting more visitors to sites.

That being said, doing your research for keywords the right way is essential to get the best outcome. Before we dive into the methods of doing that, let us first define what keywords and keyword research are.

Keywords are words or phrases that users type in the search engine when they want to find something on the Internet. Search engines have programs called bots or spiders that crawl various sites and check their content for those words. They have their algorithm that will determine which websites to show on the result and their rankings. Those that are SEO optimized will show on the first page, giving them a better chance of being visited by users.

It shows how valuable it is to find the right keywords to use that are most likely to be searched in your niche. It’s where keyword research comes in. As the term suggests, it’s the search and analysis of keywords to use in your site’s SEO. The guide below will show you the steps to do your keyword research the right way.

Understand your niche

Before searching for keywords, you must understand your specific niche. Determine what you want to offer to your clients, including your products or services. Find out what potential clients are looking for, so you would also better understand their needs. It will help you focus on the right keywords, as well as develop content that will spark their interest and help them.

Take note of the questions of your customers whether via email, phone, chat, social media, in person or by any other means. It will give you a better idea of what they are looking for. You could use this in building your keywords and creating effective content.

Another way is to check out groups, forums, and other sites where people talk about or ask questions on products or services related to your niche.

Create a list of seed keywords

Seed keywords are general keywords that fall under your field. These words will serve as seeds that will produce more keywords. Brainstorm with your partners or staff to create this list. Think of the words that talk about your business or what you offer.

For example, if you are selling workout equipment, some of the seed keywords that you may use are workout, gym, exercise equipment, and fitness. While these words are associated with your products or services, it’s not recommended that you use them because they are general, so it will be hard to rank using them.

Generate more keywords from your seed keywords

There are several free and paid keyword tools that you can use to generate keywords. While these tools may have varying features, their basic function is the same. They will ask you to enter your seed keywords, and from there, they will give you a broader list of keywords that you can use, and also their average monthly searches.

However, note that the number of monthly searches will not specifically tell you if you will get more traffic from your site. It’s because these numbers do not mean that those are the people that searched for the keywords. It could be that the same people searched for the keywords several times.

Analyze which keywords to use

You may generate a long list of keywords, and since the number of searches is not enough to determine which ones are the best to use, you must analyze further data to come up with the top selections. Most keyword tools also have a feature that will show other statistics like the number of clicks that the keywords get and the competition.

The number of searches may not be the same as the number of clicks. Users may have searched for the keyword, but didn’t click on the result. Those with higher clicks are promising because it means that users access those sites.

You also need to consider the competition. If the number of clicks is higher, but the competition is also high, it could be difficult to rank up, especially if you are competing with big names who already established their authority. If you are just starting, consider using those with low competition for a better chance of ranking in that area. It’s also one way of getting more traffic to your website. The best SEO companies in Arlington are experienced in analyzing keywords and creating the list that will work best for your site.

Check the keywords that competitors use

Finding the keywords that competitors use will give you a better idea of what works for them, so you can incorporate them into your site. You may also find unique keywords that are not yet on your list. Use the search engine to search for keywords of what you offer. It will show you your competitions.

There are tools that will also tell you the top pages of the site and the top keywords they use. You will also see the topics that get more traffic, so you can apply them to your content too.

See which existing contents you can use the keywords

Once you have the list of keywords to use, review your existing content and see where you can use them. Make necessary updates to include them in your posts. Based on your research and analysis, incorporate them into the new content to add to your website.

Doing your keyword research right will help you end up with the most effective keywords that could help you rank up in search engines and get more traffic to your site. Use this side by side with the other proven- effective SEO techniques, and your following will grow, and so as your conversion rate.

Are You a Good Business Money Manager?

One of if not the most important aspects of being a good small business owner is to know how to manage money.

With that in mind, what kind of rating would you give yourself when it comes to managing your company’s money?

In the event you are not too good at this aspect of running a business, you could be out of business before you know it.

What Can You Do for Better Finances?

In reviewing your financial health, here are a few pointers to keep in the back of your mind:

1. Look at trends – As you’d follow good trends that impact your business, the same goes for negative ones. For example, if sales and revenue have been trending downward for a while now, can you put your finger on why this is? Do your best to get to the bottom of why sales have been sluggish for a period of time now. While it may be a slowdown in the industry you are in, it could be something more. That is specifically related to your business and efforts to sell and grow revenue. The goal should always be to see sales grow year after year and not the exact opposite.

2. Make the most of opportunities – There is no doubt you want to make the most of each opportunity to come your way. Being able to do that means you are up to speed on all financial aspects of your business. Besides the critical importance of making money, how you go about it is key. So, make sure you are on top of things such as ASC 606 revenue recognition. That means you are compliant with your revenue contracts. You are also properly tracking and recording commissions. The failure to do so can have a negative financial impact on all you have worked for. Also make it a point to know you are getting the best deals possible. Since you likely work with vendors to supply you with goods and services, are you getting the best prices? Review those contracts on a regular basis to be sure you are not paying too much. Last, review things like what you pay for office space and more. The goal is to spend within your means and find deals whenever possible.

3. Take advantage of opportunities – Last, there are few folks that look forward to tax season. That said you want to take advantage of any and all tax breaks you get as a small business owner. So, be sure to review all the deductions you in fact are eligible to get. Not doing so could be throwing money out the window. From office space you may use at home to utilities, expenses for work travel, get what you have coming to you.

Being a good money manager more times than not means you will stay in business for a longer period of time.

So, review those finances often and do all you can to keep your company’s financial health above average.

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