Category: Finance and Investments

Stocks Continuously Outperform Bonds and Here’s Why!

Stocks Continuously Outperform Bonds and Here’s Why!

Stock market investment has been around since the 18th century and has made countless investors well-off in life, which is why people will always try to get into this business. Buying stocks instead of bonds have advantages and disadvantages (deep level of market research is always needed), but to understand why the latter is now behind in terms of performance, we need to understand the difference between the two. This will also help you make the right choice for your portfolio. Let’s begin by checking the key features of both stocks and bonds. As you may have already known, stocks and bonds differ in many categories, including structures, […]

Small Business Loans Offered by the Government of India

Small Business Loans Offered by the Government of India

India stands 3rd alongside US and UK nurturing world’s largest start-up base, as confirmed by NASSCOM in its 2016 Report. The country boasts around 40 million Small and Medium Enterprises (SMEs) including both registered and non-registered entities involved in different sectors comprising IT, manufacturing, food processing, and packaging. These SME’s can be referred to as key factors driving the growth of India and contributing about 40% of the country’s Gross Domestic Product (GDP). Hence, the sector has gained recognition from the Government with the “Make in India” initiative. It is playing a significant role in promoting and supporting more SME’s to participate in the growth drivers of the […]

How to Manage Cash Flow in Small Businesses?

How to Manage Cash Flow in Small Businesses?

As a business owner, soon after starting a business, you become very familiar with the crucial role that money plays its success. Without it, you won’t be able to get anything done, and trying to have a positive cash flow is one of the hardest tasks to keep under control, especially for a small business. Cash flow represents the operating amount of capital you have to work with on a daily basis and most things you do, from paying suppliers and employees to your ability to provide good products and services, are highly dependent on it. In order to help you get on the right path, today we […]

How Technology Can Help Older Generations with Personal Finance

How Technology Can Help Older Generations with Personal Finance

Most technology is designed to benefit everyone. Yet, certain people feel excluded from the digital age — particularly the over 60s. As tech advances, many older people struggle to keep up. The government and certain charities are working to overcome this issue, but how can tech help this age group now? Actually, in many ways. Especially when it comes to financial management. Paperless Statements Bank statements can be worthwhile. Many people use them to analyse their spending habits and identify saving opportunities. Paper records, however, are easy to lose. A lot of us mislay them, and when we do, we have to order — and wait — for […]

How to Build Business Credit?

How to Build Business Credit?

The time has come to get a business loan. You did your homework; you probably looked into various financing options and lenders, informed yourself thoroughly about interest rates and payment terms. But, did you take into consideration your business credit? This is another significant variable that can be a deciding factor whether your application for a business loan will be approved or not. However, most small business owners have never heard of this term, while others who are familiar with business credit aren’t sure if theirs is strong enough to help them get a loan. That’s why it’s crucial to learn how to build business credit before actually […]

7 Types of Loans You Should Know About if You Own a Business

7 Types of Loans You Should Know About if You Own a Business

There are many factors that go into owning a business. You have to effectively manage and hire new employees, look toward the future of the company, and much more. One of the most important areas of business ownership is finance. Finance covers a variety of topics including payroll, investments, and sales revenue. As a business owner, you should also be well versed in the different types of loans that you may be able to apply for and how to start the process. Read on to learn about 7 types of loans that you should know about if you own a business. Stock Loans Stock loans, also known as […]

Ways to Come Up with a Clear Budget for Business

Ways to Come Up with a Clear Budget for Business

You probably must’ve heard that money begets money. This is true when you are starting a business. Initially, before your business gets on its feet, you’ll spend money – a huge chunk – before you can experience any money coming in. If you want to know that money makes money consider, for instance, before you can open the doors of your business, you have to build the business first. Subsequently, before you can sell goods and services you need to hire people to help you produce these goods and services. Before you can make sales in the future, you must advertise and spend money on generating leads too. […]

Importance of Accounting in Business

Importance of Accounting in Business

Are you a business owner? Do you understand accounting? Relax, most business owners aren’t accountants; they rely on skilled professionals to do the numbers for them. However, having a basic understanding of accounting terms can help you improve your business skills, grow your company with less risk, and achieve your business goals. Here are a few reasons why accounting is essential for your business, and how it helps you navigate the dynamic business environment. Manage Your Expenses Do you know where your money is going in your business? Understanding your cash flows is critical to improving business efficiencies, and ensuring that your company has the cash it needs […]

Accounting Tips for Small Business Owners to Manage Their Own Finances

Accounting Tips for Small Business Owners to Manage Their Own Finances

If you’re just getting started with your small business, chances are, you wear many hats. One of those hats is playing an accountant. The trouble is, most people who become their own boss don’t start a finance-related company. That means you’re likely to find yourself feeling a little lost when it comes to the finances of your business. If you aren’t ready to hire someone to do all the accounting for you, follow these five tips, and you will be well on your way to becoming the master of your own finances. Get Help When You Need it There are some great tips on this list, but no […]

Why Getting an Estate Loan Could Be the Best Thing for Your Startup?

Why Getting an Estate Loan Could Be the Best Thing for Your Startup?

If you are a budding entrepreneur with plans for a startup, chances are, you have gone through the basic 12-step guide to starting a business. It is also possible to hit a roadblock on finances. Most guides will tell you to turn to crowdfunding but your success in that depends on how well you can promote and market your startup idea. However, if you have recently been the recipient of an inheritance, I can tell you a quicker way to fund your business idea out of your pocket, now. Once the benefactor has passed away, legal processes and settling of bills and estate can take anywhere from six […]