By Zach Taiji
Being an entrepreneur and growing your startup can be one of the most exciting and rewarding experiences, but the road to success is never easy. It’s a demanding and often times 24/7 job, requiring an effective work-life balance in order to be successful (and happy).
Thankfully, the little rectangular devices that live inside our pockets for most of the day contain powerful features that can help entrepreneurs manage their day-to-day routines and inspire success.
You might be thinking, why would I have time to use these apps when I’ve got a million other things to do? Good news: many apps are designed with busy people in mind, and require only a few minutes of your attention each day. Below are five apps that help make a busy entrepreneur’s day easier:
Checking and writing email is necessary part of any entrepreneur’s daily routine, albeit time consuming. CloudMagic is an email app for iOS and Android that features full push notification support, a unified inbox and connections to your other productivity apps like Evernote and Salesforce with “Cards”.
Todoist is a cloud-based todo list app that syncs tasks across almost every mobile or desktop device imaginable. Busy users can take advantage of colored labels, filters, recurring tasks and notifications to make sure you don’t miss anything important. Gmail users can even add their emails as tasks.
For iOS, Android and desktop devices, 1Password helps manage all of your passwords, payment card information, software licenses and more. The iOS version features Touch ID support and the app syncs passwords securely across multiple devices. A must-have for busy entrepreneurs who have several online accounts. $9 and up gets you additional features.
Audvisor is an app for iOS and Android devices that features quick three minute audio tips from 100+ experts, including Seth Godin and Guy Kawaski. There are currently over 1,000 audio clips covering over a dozen topics, ranging from entrepreneurship to marketing.
Signing and sending contracts is never a fun task, especially if you don’t have a scanner or computer in front of you while on the go. SignEasy allows you to securely sign and collect signatures on iOS, Android and BlackBerry. One of the most affordable signing app options, the first 3 documents are free and 10 additional documents are $5 each.
Zach works as a freelance writer/photographer by night and a public relations professional by day. He has over 4 years of writing experience in general technology trends, marketing/PR, social media and web design – and has helped place articles in various publications including Wired, PC Mag and 9to5mac.
If you work for a multinational, an international organization, a government agency, or the military, it’s not unusual to live in several different countries over the course of your career. For instance, if you’re in the field of supply chain management, your company may need to send people to live in other countries to build relationships with suppliers, manufacturers, and distributors in key countries.
If you’re transferred in the line of your work, or even if you just decide to emigrate, you may wonder how your credit is affected when you move to another country.
After establishing good credit in your own country, you’ll probably want to benefit from it in your new country. After all, it’s perfectly reasonable to expect that you’ll probably have a lot of unexpected expenses. You may also have some big ticket expenses like getting furniture and appliances for your new apartment or buying a car.
However, the simple truth is that you will not be able to take your good credit with you. You will have to pay cash for everything.
On the flip side, if you didn’t have good credit, it won’t follow you either. Now is your chance to start over.
So, the bottom line is that neither good nor bad credit is transferable when you move to another country. This, of course can be either good or bad new depending on how well you’ve been playing the credit game.
The reason for this nontransferable credit is credit reporting laws are different for each country.
This is true even if the credit reporting agency in your home country is a multinational agency. For instant, Equifax and Experian operate both in the United States and in the U.K. However, these agencies can only report credit for the people of the country it’s operating in.
So, for example, if you moved from Birmingham, Alabama, to Nottingham, Nottinghamshire County, which is in the East Midlands of England, Equifax and Experian would only have your credit score in the United States. Neither your good or bad credit history would transfer to the UK. As far as these two credit reporting companies are concerned, your UK credit score is a clean slate.
Essentially, then, you’ll have to start from scratch. You will have to get the credit ball rolling all over again.
Your Existing Credit Score
Your credit score in your original country stays the same. However, if your credit score is good, there is really no reason to shut your accounts down—even if you plan on permanently leaving the country.
You should keep it open for two reasons:
One: you may change your mind and decide to return to your home country someday.
Two: you can always use your good credit when you return for a visit.
Transferring Good Accounts
Although the credit reporting agency will not transfer your good credit, you can get a multinational company that has business operations in both countries to transfer your account your account from your home country to your new country. Naturally, not all companies will be willing to do this for you, and it is not a good idea to make this request if you have missed a few payments now and then.
On their Facebook page, CreditRepair.com recently shared a strategy for how to get credit reporting if you are labeled “unscorable.” You can use this same strategy to create a credit history in your new country. Incidentally, the term “unscorable” is not synonymous with “bad credit” or “credit risk.” It simply means that the credit reporting agency has no information to use to create a meaningful score. Since they can’t calculate your score, you are considered “unscorable.” Children, for instance, are “unscorable” because they have no score.
Why You Need Credit
Credit makes your life easier. A person with credit can get a loan or rent an apartment. There are numerous circumstances in modern life that make it useful to have a credit card.
7 Steps to Build Credit History
Here are some specific ways to gradually build your credit history in the new country you move to:
- Begin with a secured card. This is a card that works like a credit card, except that it is tied to money deposited in an account.
- Gradually, get other accounts in your name like an apartment lease, utilities, and a credit card.
- Use all these accounts responsibly. You have to use all your accounts. You can’t, for example only use your credit card for emergencies. Instead, you have to actively use your credit accounts. However, you have to use your credit accounts carefully. This means that you should only charge for things that you can pay in full every month. Partial, late, or missed payments can hurt your credit score.
- Only use 30% of your credit. For instance, if you get credit for $2, 000, you should only use up to $600. Another thing you can do is to ask the credit card company for a bigger balance, but don’t use it. This way you have a larger volume of available credit.
- Only open a small number of accounts at a time. All you need to establish credit history is a couple of accounts. This will prevent multiple credit inquiries when you buy something that requires a credit check. It’s fine to have a number of credit cards, but open them up slowly and use them sparingly.
- If you decide that you don’t want to use a particular credit account, don’t close it. Instead, let it sit inactive. This will then serve as evidence to establish that you had a certain line of credit that you used responsibly.
- Finally, be patient. It takes time to build credit.
It may be either a surprise or relief to realize that there is no such thing as international credit for individuals. Credit scores do not transfer from one country to another. Fortunately, this does not mean that you can’t build up your credit. Following these 7 steps, it will be easy to gradually build up good credit in your new country.
Today’s business world challenges associations to attain to additional with fewer overheads, assets and less time. The vital development associations pursue must be acknowledged through enhanced business benefit and work environment effectiveness.
As a rule, profit depends on two key standards: proficiency and viability. To attain to these, associations must depend on individuals and methods. Essentially, by offering open structural engineering stages, Multifunction printer sellers are progressively extending the extension and scale of capacities offered by printer gadgets including remote integration, remote get to and help for cell phones, and also coordinated arrangements, which work flawlessly with electronic record administration (EDM) programming stages.
For fulfilling the criteria to enhance the business, these are the top five Multifunctional printers of all.
HP Officejet Pro 276dw Multifunction Printer
The printer is costly, yet it is a different among inkjet MFPs. Quick and competent and a deal contrasted with the laser rivalry. It brandishes a substantial, 4.3-inch touch screen control board with a well thoroughly considered out menu structure that makes it simple to work. Programming incorporates HP examine, remote email printing, and a complete installed administration support available by means of your Web program. Administration peculiarities incorporate email alarms, a firewall, intermediary help, and so forth. You can achieve the administration interface through the control board or your program.
Epson Expression Premium XP-810 small- in-one Multifunction Printer
The Epson Expression XP-810 Small-in-One Printer could fulfill practically everyone. It has an astonishingly profound rundown of uniqueness for a home printer and is likewise one of the best all-around performers in it value range.
This is authoritatively a $230 printer, however you ought to have the capacity to search at a better cost, and Epson is as of now marking down. Rather the expenses are somewhat higher than normal: simple to-utilize, 3.5-inch touch screen control board. Integration incorporates Ethernet, USB, and 802.11b/g/n Wi-Fi. The printer additionally has Wi-Fi guide, so it can interface straightforwardly to a gadget as opposed to the need to experience a remote system.
Canon Pixma MG7120 Multifunction Printer
The Pixma Mg7120 has an inclined-edge plan different from certain Canon printers of the last a few years, and other configuration enhancements that were presented a year ago with its previous versions. You control the printer utilizing an upper front touch board: A 3.5-inch touch screen presentation contains most capacities, with relevantly lit buttons that show as required. It has a short expectation to absorb information. You lift that board to get to the ink cartridges, as opposed to lifting up the whole scanner cot, as with generally multifunction. You can join by means of Wi-Fi, Ethernet, or USB.
Epson Workforce 845 color inkjet multifunction printer
Epson Workforce 845 color inkjet multifunction printer has a great deal pulling out all the stops. Specifically, its above-normal limit and paper taking care of, first class execution, and great yield will satisfy the needs of a little office or home office well. Paper taking care of on the Workforce 845 incorporates a liberal 500 sheets of limit, programmed duplexing, and programmed two-sided sweeps of reports set in its 30-sheet ADF. Printing letter-size lustrous photographs on the Mac moved ahead at a mediocre 0.4 ppm, and output times were about normal.
HP Photosmart 7520 e-All-in-One Multifunction Printer
The best of HP’s $200 Photosmart 7520 e-All-in-One multifunction inkjet printer (MFP) may be its yield quality and the 4.33-inch LCD control board that makes this machine grandly simple to utilize. While the Photosmart 7520 is photograph driven, its paper-taking care of peculiarities develop well past that. The primary paper tray holds 125 sheets, and coordinated into its top is an optional photograph tray that holds up to 20 sheets of photograph. There’s additionally a 25-sheet programmed archive feeder for the scanner. Then again, the top for the A4 flatbed scanner doesn’t telescope to suit thicker materials. This Photosmart can print and sweep in duplex (both sides of the page), yet duplex examining obliges two passes.
For more information you can visit Document management solutions.
You’ve spent the past few years establishing your business, and the time has come to expand. There’s only one problem: The necessary funds to take operations to the next level simply aren’t available. Must you turn to a bank for a loan, or should you explore other options? The answer depends on your personal financial situation, but these nontraditional sources of funding are worth considering:
Does the idea of asking strangers to fund your expansion leave you a bit unsettled? It shouldn’t, as it could be exactly what you need to get things off the ground. There are many people around the world with the same core values as you who are willing to support your cause. Plus, it won’t cost you anything out the gate to put your vision out there. Just be sure to read the fine print to determine the fees that accompany successful and failed campaigns. Also, inquire about any funding restrictions that may apply; select platforms have stringent barriers to entry, while others are open to the public. For a list of the top crowdfunding platforms, read this Forbes article.
This is another viable funding option, assuming you have the resources on hand. In fact, third-party lenders may ask, “What do you have to lose?” before considering your application, to see how much you believe in your business. And the first consideration may be the contributions you’ve made from your personal assets. Consider borrowing against the cash value on your life insurance policies, retirement fund or taking out a home equity loan. It’s important to note that not repaying an IRA or 401(k) account in a timely manner could result in an early withdrawal penalty of 10 percent and assessment of taxes. Before you borrow against your 401(k), ask yourself these four questions from U.S. News & World Report.
Structured Settlement Payouts
Are you receiving distributions from a structured settlement? Although the proceeds may be generous, it may not be enough to fund your business’s growth. Consider selling your future structured settlement payments for a lump sum to help fund your expansion. To learn more about selling your future structured settlement payments, visit JGWentworth.com.
Venture Capitalists & Angel Investors
If your company is growing at a good clip, venture capitalists may be willing to take a chance on you. But there are definitely a few risk factors (and if you watch “Shark Tank,” these should could as no surprise). Along with the laundry list of stipulations to get them on board, venture capitalists will want their piece of the pie—and it could be in the form of a chunk of ownership. Simply put, they’re in it to win it, and money is the motivation. This isn’t necessarily a bad thing, though, as you’ll more than likely have access to their brain and network.
Angel investors provide funding to entrepreneurs, whether they know them are not, who exemplify a willingness to do whatever it takes to attain success. Simply put, they derive pleasure from giving back to up-and-coming entrepreneurs—with few strings attached. For more on the difference between venture capitalists and angel investors, read this post from Business Insider.
This last option isn’t that nontraditional, but it’s still worth mentioning. The most common among these federal offerings is the 7(a) Loan Program for small, U.S.-based for-profit entities. Applicants must be able to prove they’ve attempted to self-finance their operations and a funding gap still exists. Businesses in select industries aren’t eligible for inclusion, so review the guidelines to determine if you qualify. Visit the Small Business Administration for more information.
Summer is convention season and as you close out your tour of this year’s offerings, it’s good to take notes on what you will and will not do for your own event next year. For instance—maybe at your convention, you’ll increase the diversity of your talent pool or panel selection. Or maybe you’ll reduce your booth rates so that your vendor’s hall can be more robust. There are lots of things to think about as you get a feel for what others are doing.
That said, there are a few things that every convention or conference—regardless of size, niche or genre—needs to have.
Most local cellular towers are not built to accommodate the flood of extra people who start trying to tap into their signals when a big convention rolls through town. Furthermore, convention centers and hotels are notorious for blocking cellular signals because they want guests and attendees to use their Wi-Fi instead (for a fee of course). Yes, using the center’s Wi-Fi is likely to be expensive, but your attendees are reliant upon those signals for communication with each other. If you’re worried about cost, there are two things you can do:
· Increase admission cost slightly—a few dollars per attendee, depending on the attendance size you expect, is usually enough to cover it (though, expect some people to be mad about even a tiny increase in ticket cost).
· Charge a separate fee to access the Wi-Fi. People who pay for access are given an exclusive password to the event specific Wi-Fi connection. PAX usually does this and it works out well for them.
Yes, you’ll want to have a printed program—that’s a given. You’ll also want to make sure that you have a really great conference app. A good mobile conference app accomplishes several goals at once:
· Attendees can set up alerts for the panels and events they most want to attend, which increase their enjoyment of your con.
· The app gives you some additional advertising space (which means more of a profit for your event).
· Most apps offer users the chance to send feedback directly to vendors and panel presenters. Most vendors and presenters appreciate this feedback because it helps them figure out how to tweak and improve their offerings for their next convention (and build their customer bases at the same time).
Your audience is more diverse than you might think and it is important to acknowledge that by making sure that your content and presenters are just as diverse as they are. Sure, you might want to focus on a singular theme but having a few offshoot and only tangentially related content panels will always be appreciated.
More importantly, you definitely want to offer at least a few panels that actively talk about diversity in your genre (in a positive way of course). Most importantly—remember that your audience is more diverse than you realize and your panel presenters should reflect that. Never ever let a panel be only straight white males. People of color, members of the LGBTQ community and both genders should all be represented in your panels.
You must have a strict and plainly stated harassment policy and you must make sure that it is widely available and easy to find. Harassment is a real problem at conventions of every stripe. Make sure that your audience knows it won’t be tolerated at your event. Period.
Oh: and allow off site/non-sanctioned and ninja events! People love them and they will make your convention even more popular. It worked for TEDx, SXSW and SDCC. It’ll work for you!
Did we miss anything? What are some other “must haves” at conventions?