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Licensed vs. Un-Licensed Money Lenders

Posted by on May 11, 2017 in Money Matters | Comments Off on Licensed vs. Un-Licensed Money Lenders

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Other than banks there are two main types of money lenders, un-licensed lenders and licensed lenders both of which can facilitate you getting a loan easier and quicker than you could at a bank. Money lenders do however charge more interest than banks but in the case of licensed money lenders, the interest rate may not be that much higher than a bank’s whilst the rates an un-licensed lender charges certainly will be. Even though Singapore is a relatively small but wealthy country, money lenders in Singapore fall under the same categories as other, larger countries perhaps with one difference though. In Singapore, to ensure that people do not inadvertently go to an un-licensed lender instead of a licensed lender, they have a website that lists all of the licensed lenders.

This is of great help as it stops people from unintentionally ending up having to pay extremely high interest rates on a loan which they needed. Banks are of course generally considered the best place to get a loan from and with good reason; their interest rates will certainly be the lowest however, qualifying for a loan from a bank is not always that easy whilst getting one approved by other lenders is far easier. Also other lenders will usually give borrower cash on the same day as they ask for it whilst the process of having a loan approved and processed by a bank can take several days and usually does. Although all three types of lenders will have criteria which must be met in order to get a loan, a bank’s criteria will always be more strict whilst an un-licensed lender’s will be almost none existent.

Knowing all of this you may wonder as to why people use un-licensed lenders but there are two main reasons why they do. First someone may inadvertently use an un-licensed lender, not knowing they were un-licensed and that is what Singapore is trying to avoid by providing a website listing the licensed lenders. The second reason people use un-licensed lenders is because they may not qualify for a loan even with a licensed lender’s less strict criteria, let alone a bank strict one. In these instances a borrower is left with little choice than to go to the un-licensed lender if they really need the money but in these instances, the borrower should really be desperate as they will end up paying far more than what they borrowed and often have to get an additional loan just to pay off the original one.

So, knowing if a money lender is licensed or not, is very important if you do not qualify for a loan from a bank or, need the money in too much of a hurry to go to a bank. For this reason, all other countries should follow the example set by Singapore and provide a website listing all licensed money lenders to ensure that those people that do pay high interest rates, are aware they will have to before applying for the loan.

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Becoming a CFO

Posted by on May 2, 2017 in Services | Comments Off on Becoming a CFO

CFO stands for Chief Financial Officer and many of the larger businesses have them, not only to ensure that their accounts are in order but also to give financial advice and recommendations. Although most business owners and even Chief Executive Officers (CEOs) can understand accounts as far as the profits and losses are concerned, not so many can understand the full contents of what a financial report may mean and so rely on their CFOs to interpret the finer points. The CFO of course, as originally an accountant themselves and still responsible for the correct accounting procedures within a company, can fully understand them but perhaps more important than that, can identify financial trends.

Although most financial statements may have peaks and troughs, it is the reason for those peaks and troughs which all too often CEOs miss and that can be crucial in the success or failure of a company to make profits. AS the CFO of a company is often chosen for their knowledge of the business the company is in as well as their accounting abilities, a CFO is generally well placed to not only recognize any peaks and troughs but also often able to match them to certain business activities that may have changed at those times. One CFO that has proven quite adept at this is Maureen O’Connell, the CFO for Scholastic, an American Publishing Corporation. You will see though from Maureen’s profile that she was well suited for this position before she was awarded it.

Scholastic as mentioned, is a publishing corporation and as Maureen had had experience as a CFO for both Publishers Clearing House and Barnes and Noble, her qualifications could not have been more perfect. This however is not the case for many accountants that try to step up to be CFOs and so often the best they can hope for is to be the head of accounting departments. Usually the head of an accounting department will report to the CFO who is in fact responsible for all accounting but usually delegates this part of their responsibilities in order to spend more time on other thing.

Their other responsibilities are of course to study the accounts and look for peaks and troughs and then associate them with an aspect of the business which may have been responsible for them. By doing this, the CFO can advise the CEO as to where potential problems may lie in the future of the business, allowing them to avoid troughs in the future and make the most of any potential peaks also in the future. If the CEO is considering any expansions, the CFO should also be able to advise them on how much money is available for those expansions and possibly which area an expansion may be most profitable. It is therefore the CFO and not the CEO that dictates which direction the company heads in the following few months, a responsibility that many accountants may not wish to have on their shoulders.

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Arrange Your Wedding Early

Posted by on Apr 12, 2017 in Fashion Photographers London | Comments Off on Arrange Your Wedding Early

For you to make your wedding day not only special but free of troubles, you ought to make arrangements early. In advance, you should make calls so that the right number of people would be there and so that the assistance that you require would be present. Months in advance, you should make some preparations because you have to consider the fact that you only get married to a person once and you’d have to cater to guests who’d attend the ceremony and reception. So how do you prepare for the celebration of your marriage, you ask? There are several things that you should do or that may help you make your wedding great. For some information that are perfect for couples who are engaged or yourself if you’re going to be married soon, please continue reading.

For you to have memories of the day of your wedding in the years to come, you may want to look for folks who could capture happenings for you. You could hire a photographer or a person who does video production for a living. If possible, though, you may want to hire both since you have to consider that it would be best for you to preserve moments not only through photographs but in motion pictures. In the future, you may wonder how you were in the past so you ought to have images that you could utilize to recall your physical attributes and the places where you’ve been to plus videos wherein you could see yourself, your partner and those whom you’re familiar with in motion. If you’re going to look for those who could do the recording for you during your special day, though, you ought to be wise and find experts that have had the experience of taking on jobs that are similar to what you actually need. If you want to make sure that you get in touch only with those that can be relied upon, you may want to visit the official website of studios that are reputable. There are a number of companies that have served clients successfully over the years and you should gather their names and compare them by their services and fees so that you would be able to have your wedding day happenings captured well.

Other than hiring the type of professionals mentioned above, you may also want to contact a food catering service that can supply you during your wedding reception with the tastiest foods that are not only pleasurable to eat but ideal for marriage celebrations. Of course, you ought to also pick that which can let you and your partner plus your guests eat foods that are healthy and free of things that can cause allergic reactions or other types of health complications. To work on the design of your wedding location and reception area, you could also try employing a group of florists who can pick the right blossoms and then make them perfect for decorations. Also, to have someone manage your wedding, you could also look for a planner but you don’t really have to have one if you’re confident that you could trust some of your friends and relatives to handle aspects of your wedding for you.

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Posted by on Mar 28, 2017 in Xero Accounting | Comments Off on Accounting

Bookkeeping or accounting is something that every business needs to do, regardless of their size. Not only is it important for a business to keep good and accurate accounts in order to know their profits and loss but often, in most countries, it is a legal requirement and usually those accounts have to be kept in a certain, appropriate way. In this modern age of the computer, there are many software packages available to assist in keeping these accounts and many businesses are opting to use one or other of those software.

When you compare accounting companies it is often hard to see much difference except perhaps in the price but using software can help keep the costs down. Many businesses today have an abundance of paperwork which they must keep for auditing purposes and the number of different files they may have may be very large anyway. This has prompted many businesses, especially the larger ones to get their own server in order to keep all that they had.

Today however, due to cloud facilities, this may no longer be necessary as they can file their data in a cloud. Cloud is the term which has been given to large data banks on the internet on which accounts can be opened and files kept. This has the added advantage of allowing access to that stored data from anywhere there is an internet connection, as opposed to just somewhere which was connected to the company server.

Obviously though, in order to access that data, the person requesting access must provide the relevant account details and any passwords which may be applicable. This cloud service has been around for a while now but it did not include facilities to by which accounts, if they were kept in the cloud, could be changed. With the introduction of Xero software though that has changed as Xero software is software specifically designed to enable accounts to be kept and updated, in the cloud.

No longer does an accountant have to wait till they get to their office to update an account as now they can update it from where ever they choose, providing of course they have an internet connection. This also allows a CEO or owner to view accounts from where ever they may be too and because the accountant can now make updates from anywhere, they will know that the information is accurate and up to date.

There are several different Xero software packages available for use on their own but there is a wider range which has been specifically developed for use with the Smart Accountant software. One or combinations of this software will be adequate and appropriate for any small business and also for medium sized businesses and best of all, some may be appropriate for a small business expanding and becoming a medium sized business.

Whether a business in the future does its accounts in the cloud or not, most will now purchase some kind of accounting software which makes the task easier.

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Get People To Buy Your Stuff

Posted by on Mar 23, 2017 in Services | Comments Off on Get People To Buy Your Stuff

Do you have some interesting products on display but you’re not getting as much buyers as you want to have? If that’s the case then you should know how to advertise. Though folks may stumble upon your items and become instantly attached to them so much that they would recommend it to those whom you care about, you have to understand that there are so many products that are offered right now and your chances of getting your stuff simply discovered may be slim. You really have to inform people of the existence of your brand and the product line that you have so that you could get them to pay you with their hard-earned money. Even though it may be true that you may have lots of competitions already, you shouldn’t shy away or feel intimidated since big businesses also had humble beginnings. To get people to check out your stuff and literally purchase them, you should take advantage of the internet, have your goods displayed online and then convince people that they should buy what you’re selling.

Instead of just having a website and putting things there for people to see, however, it’s important that you endorse items properly. Make sure that you post quality images that could convince people that your goods are worth paying for. You should also write down the descriptions of your goods so that you could inform people of the specifications of your products and also let them become convinced that they’re what they should own. You don’t really have to work hard and do frequent posting on websites online just so you could have your products promoted somehow. You could just employ a copywriter to do the writing or creation of content for you. To check out some that are available for employment, you could try to visit Basically, with the aid of an expert, you may be able to endorse your things effectively. That’s because the said person is knowledgeable about the way psychology works and can create stuff that are persuasive to people. Hiring a copywriter can be quite beneficial too since through so you’d be able to focus on the improvement of your products. You should be concerned about the quality of what you’re offering since you don’t want to receive complaints from customers and providing refunds sometimes may be troublesome. However, if you’re on a strict budget or can’t afford to employ the said type of professional, you could do endorsements on your own.

For you to effectively promote your goods, you could take advantage of social sites or pages on the internet where you could easily connect to lots of users. You could try out Facebook, for instance, since it has millions of users. You should make a social account that’s designed for your brand so that you would have a page where you could not only post things related to your items but also gather customers and also fans. To convince folks that they should get your stuff, though, you should use your social account frequently and post promotional materials weekly. To know if what you’re doing is effective, though, you should keep track of your advertisements and sales altogether.

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Professional Photography

Posted by on Nov 23, 2016 in Professional Photo Studio Rental In London | Comments Off on Professional Photography

Today, because nearly everybody has a camera in their cell phone, many people consider themselves good photographers that could possibly even become professional photographers. The truth is though that although they may be able to take reasonable photographs with their phone, the photographs are nowhere near as good as a professionally taken photograph would be. It is for this reason that despite there being so many budding photographers in the world today, the professional photographer is still in great demand. Of course there are those that may say that given the photographic studio that many professional photographers have, they could take better photos as well.

This may be true but there are photo studios available for rent and so they could take more professional photographs themselves if they wished to. Again though the truth is that even given a studio, few people could take as good photographs as a professional photographer can. The reason for this is that a studio is not just an empty room you can place props in and then take photos; it is a room which has been specifically designed to allow professional photographers to create their own lighting. To create this lighting a professional photographer does of course need special lights and it is knowing how to set these lights up in order to create the best possible lighting situation for each individual shot that is most of the art that a professional photographer has and one which people do not learn by snapping away with their cell phones. Lighting is one aspect that makes the difference between a good snap shot and a great photograph and that is why professional photographic studios exist, to provide a place where the photographer can be in control of all the elements involved in the photo, including the lighting.

When it comes to renting a photo studio, unless you are a professional photographer, it may be worth considering ordering a professional photo shoot with a professional photographer instead as it may even be a cheaper option as well as guaranteeing you get good photos. It could be cheaper because unless you already own your own professional photographic equipment, as well as paying for the hire of the studio, which will probably come complete with some props and maybe even some lights and costumes, you will also need extra equipment in order to acquire the perfect photos and that you will have to pay extra for. As mentioned, even with all the equipment, it is positioning the lights at the correct angles that will make the better shots and that takes experience and often a knowledge of the studio in which you are taking the photos. A professional photographer like, not only has all the equipment they need but also has experience with the lighting and the studio and so can be assured to provide the best possible pictures at a previously arranged cost.

Remember; although a professional may only need a couple of hours to take a set of photos, due to your inexperience, you may need a full day.

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The Crash of the Market: What to Do?

Posted by on Oct 24, 2016 in Business Tips, The Market Crash | Comments Off on The Crash of the Market: What to Do?

It’s a matter of time when the market will crash again, and this is not just saying to frighten more investors. We had this pattern on behavior through history. The recent great recession has left many people jobless, and many companies closed. People had a hard time to survive, and the prices have gone up, and many investors lost everything that they had. So, the biggest question here is, what can you don when the market crashes again. We are going to present you few tips to help you prepare for the inevitable.

Always be prepared

be-preparedYou should not wait for the market to crash to take this action. The smartest way to invest the money is so can retrieve it when this happens, and you won’t lose the all. You will need to divide the investment between the various types of assets, such as stocks, bonds, real estate and liquid investment. If you separate your investment between these areas, you are less likely to suffer, rather than you invested all your money in the stock market. If some of these assets let you down, the others will rise, and you will be able to balance. In this case, you might lose something, but it won’t be the all.

Recognize the warning signals

cautionNothing happens out of a sudden; we always have the warning signals. These warning signals which are presented as bad days and then neglected and shown as corrections. It doesn’t matter if this downturn happens during the bull market or it represents a direct change, you need to take it to your advantage. You must evaluate your business and see how it is behaving in that type of situations. See if your business can carry out the risks, if not, make the necessary adjustments.

If you ‘re in the stock business, try to reduce it for a bit. It doesn’t mean you have to sell it right away, for example, if you have 200 action share, reduce it to 100.

What happens when everything goes south

Try to stay calm and carry on with your work. Remember that you are here on the longer run. Savings you invested in the new business should never involve the money you intend to feed your family and pay your bills. This is money that has been invested for the long – term and only later you can expect the benefits. You need to be able to wait until the storm passes and avoid selling your services and goods by the depressed price.

Don’t try to save something that cannot be saved

savingAs the market falls deeper, it is only natural to wait until it crashes completely and later you can buy the dips. This strategy has a good point and can be very profitable. In this way, you can buy more assets by much affordable price and later double up your profit. You will be able to recover much easily and start making the profit, instead of waiting for original prices to return.

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