Productivity Tips & Merchant Funding for Business Owners

Do you have an ever-growing list of tasks to complete? How can you shift your mindset and daily habits to reach more productivity? What about finding the best merchant funding to grow your business? No worries! Just read below and you’ll know.


Productivity Tips and Merchant Funding

Here’s a quicklist that can help you be more productive and stay up-to-date on your industry:


1.Decide on Your Priorities

Prioritize your tasks. Create lists forthe tasks you do daily, weekly, monthly, quarterly, and yearly.Take the time to rearrange the lists bytaking into account the urgency and time needed for each task.


  1. Value Your Time

Do you have tasks that you could trust a skilled expert to complete them, but you can’t hire a full- or part-time employee? Why not start outsourcing to a freelancer or a contractor who’s a good alternative?


Moreover, instead of wasting time on business financing providers that aren’t the right choice for your company, just turn to a reputable alternative online lender in the field. With a reliable and experienced merchant funding provider, you can enjoy the lowest rates and unmatched business funding solutions for your business.


  1. Focus on Productive Chunks

Be focused on one task at a time. Follow a consistent rhythm that can help you finish that task more easily and without spending much time.


4.Keep Monitoring, Measuring, and Repeating

Always monitor and measure your activities. Otherwise, you won’t be able to reveal the profitability and efficiency of everything you do.Keep analyzing your activities on a regular basis.


  1. Use Parkinson’s Law

Parkinson’s Law says, “Work expands so as to fill the time available for its completion.” This means how long something takes is a matter of perception.


  1. Clear at Least a Few Hours Each Week from Your Schedule

How much time do you spend on social media? Why not reduce that time? Why not stop doing certain things and have more time?


  1. AvoidMulti-Tasking

Focus on your time. Overwhelmingly, focus most of your days on one really significant task. Of course, you’ll sometimes be interrupted, but your focus will be on the most important tasks.


  1. Manage Repetitive Tasks

Identify repetitive tasks as quickly as possible. Then, start applying or creating tools that can help you complete them. A little practice and some free software will be of great help.


  1. Digitize as Many Things as You Can

Reduce office paperwork. You can do this by going digital and using the cloud to store your important documents.


  1. Always Plan for Tomorrow at the End of the Day

Spend the last 15 minutes of your day planning for the next morning. Write down a to-do list at the end of each day.


  1. Store Templates for Common Customer FAQs

When dealing with clients, you’ll find yourself repeating the same explanations and answers to questions again and again. So, start creating an individual customer guidance, with online content publication.


Productivity is critical to your success. It helps you know how much of your business expenses result in profitable goods. So, take the necessary steps to be more productive and reach better results.



Author Bio: As an account executive, Michael Hollis has funded millions by using alternative funding (or merchant funding) solutions. His experience and extensive knowledge of the industry has made him a finance expert at First American Merchant.

Some Of The Best Reasons Why You Should Be Doing Business In Hong Kong

Do you anything regarding Hong Kong that draws in foreigners from all around the world to start their company formation in HK? What is that special thing that makes Hong Kong so appealing and such a perfect place for business? The experts have described Hong Kong as the freest economy in the globe. The simple tax system, top notch location, good communications, and free circulation of products allow businesses of all industries to enjoy the success and grow in the Hong Kong economy.

Simple Company Formation In Hk Up For Foreign Companies And Business Owners

Unlike many other countries who have a lot of restrictions when you want to  open a business, HK welcomes foreign entrepreneurs and companies to build up their businesses in Hk and enjoy  the various tools to grow effectively with no stress in the registry procedure for the business –  something that lots of countries do not provide to foreigners very easily.

Good Infrastructure

The infrastructure services in Hong Kong are what help to make the city so well-known worldwide to business owners. Hong Kong’s air and sea transportation facilities offer top-notch support for all clients, so all delivery, shipping, and forwarding solutions are of top-notch and company owners will get only the best. To add to its ideal location, the city also has some of the best in the world telecommunication facilities which allow for cost-effective transfers for frequent holidaymakers because of the decrease in conversation costs.

A Simple Tax System That Allows Optimum Earnings And Minimum Costs

Contrary to the popular belief, Hong Kong charges the lowest tax rates in the world that go with one of the best tax systems you can get in the world.  This is the primary reason foreigners seek to start a business in Hong Kong – little to no tax issues.

A Good and Transparent Legal System

Some first world countries have a fair legal system, Hong Kong’s legal system is also the best for all companies. The legal system in Hong Kong offers the best business environment by giving a reasonable business environment all the time.

A Totally Free Economy Means The Atmosphere Is The Limit

Hong Kong is regarded as among the world’s most free financial systems because of its free of trade plans, no trade limits and no limit for international onshore and offshore investments, therefore the money simply flows and flows. There are simply no tariff quotas or costs for import and export trade, therefore this simply means that the atmosphere is the limit when it comes to business.

Simple Doing Business

Hong Kong is famous as one of the best places to start a company. You can open your business in about two week’s time to one day in Hong Kong. It is well known because of its excellent system services and business infrastructure is often obtainable. Intellectual property safety is taken significantly, with rigid regulations as well. There are numerous argument resolution stations that businesses can use. The simple and business-friendly tax system pulls foreign investors to Hong Kong. Foreigners who want to enjoy company formation in HK can simply cove over through a work visa.

The Essence of Factoring Companies for the Companies

One of the most modern and at the same time most recent collection strategies is formed today by factoring. Many companies are still very skeptical about factoring, while others have already discovered the benefits of this strategy. Factoring is always based on a so-called three-person relationship. It also has some core features and side effects.

Factoring involves the purchase of invoices from a company to a customer. For this, the company receives an immediate advance payment, which includes at least 80% of the total invoice amount. This allows the company to secure immediatecash inflow. Thus, of course, the room for maneuver of a company grows considerably. Furthermore, the factoring customers are under the protection by taking over the bill according to the law. As a result, the factoringcustomer is 100 percent protected against bad debts. The use of the factor company is essential there.

What are the prerequisites for factoring?

Each company determines the prerequisites individually for itself, whereby the sector as a target group is crucial, but also the market affiliation, as well as the size of the assigned companies. In the following, we would like to briefly mention some general requirements in order to provide a first insight:

The relinquishing company should:

  • Exclusively commercial customers
  • Neither assigned receivables have other rights of third parties have held
  • In terms of sales and sales of goods meet the specifications
  • At least 250 dollars in claim amount

Factoring is especially worthwhile for companies with high levels of outstanding debts and low equity, as they can save money when purchasing via the discount. No consideration should have been agreed for the services already provided, so that the factor can act without complications.

The actual factoring costs are highly dependent on various factors such as sales volume, industry, term of payment, type of performance, creditworthiness of the entrepreneur and debtor, etc. The cost of factoring is very individual and fluctuates between 0.15% and over 4%. As a rule of thumb, the higher the turnover, i.e. the more claims are assigned and the better the credit rating, the cheaper factoring becomes.Before a concrete offer is made, therefore, only a personal contact of the factor with the entrepreneur needs to get the support.

Can you give me some examples of factoring?

The commercial provider sells telephone systems to other contractors and installs them on site. In addition, he offers advice on this. He has already been successful on the market for 15 years and now wants to use factoring to create additional liquidity in the company and to collect receivables from very specific customers, which the dunning and the correspondence and the legal options to make available to an external service provider. Factoring should also be used as a deterrent to certain customers to elegantly reject further orders from these customers. The factoring works perfectly there.

Proper Steps for the Right Mortgage

It is the most sought loan, the longest and the one that allows us to reach one of our most important projects: to reach our own home. Here we show you 5 tips to keep in mind before accessing your mortgage loan

  1. Have in cash between 20% and 40% of the property.

Generally banks lend between 60% to 80% of the value of the house. For example, taking 70% for a unit of US $ 80,000. You must have $ 24,000 or the equivalent in pesos $ 97,200.

  1. Measure how much we can ask according to our income

The fees cannot exceed more than 30% or 40% of the total income. This table can help you as a guide to see which property you can access with your income or those of the family group. The help of the good mortgage broker in Singapore is there always.

  • Income for $ 6000, property of $ 43,000
  • Income for $ 8000, property of $ 58,000
  • Income for $ 10,000, property of $ 72,000
  • Income for $ 15,000, property of $ s108,000


  1. Look at the total financial cost (CFT) before the nominal rate of the loan

The share of a mortgage loan is generally composed of: capital + interest + life insurance + fire insurance + administrative expenses.

The CFT is what really reflects the cost of the loan. It is always very useful to request the simulation of the fees.

  1. The fixed rate option is the one with the shortest term and the highest fees

There are three alternative rates: fixed, variable and combined. What sets the difference between each one is the term and the value of the quotas.The fixed rate option will always be shorter than the variable. This makes us ask for more income to pay a higher fee. The use of the fast loan in Singapore comes easy.

Ex: to finance 70% of the unit of US $ 80,000 ($ 225,000), in the fixed option at a rate of 17.5% we would obtain a 10-year loan with a fixed fee of $ 4,100. The CFT (Total Financial Cost) would be 21% and we would need to demonstrate income for $ 13,600 to allow us to pay that fee.

In the event that we would like to finance we for a longer term, for example. 20 years, we should probably opt for the variable or combined rate. With these options you can access a higher amount and lower fees.Ex: the $ 225,000 could be financed at a variable rate of 16.4% to 20 years. We would pay a fee of $ 3,300. A CFT of 19.6% and income would be needed for $ 11,000.In the case of opting for the Combined rate. We would pay 3 years fixed installments of $ 3,200 at a rate of 15.9% and the remaining of $ 3,300 variables at 16.5%. The CFT in this option would be approximately 19.3%.

Getting A Business Address To Boost Your Business

Is it correct to express that you are a little or medium business proprietor? Given this is substantial, are a section of the responsibilities performed by your laborers, under your own particular rooftop? Given this is substantial, you should need to consider outsourcing some your business courses of action. This won’t show you have to clear a touch of your staff, in any case it induces that you can give them more fundamental undertakings to handle.

Among the different administrations that you may need to consider outsourcing to some other organization is your business email. In the event that you do this, you’ll likely be chasing down a mail sending Nevada Company. A phenomenal mail advantage organization addresses critical master in dealing with your business mail for you. Subordinate upon the sort of business you run, this may deal with some portion of your endeavors or made by the workers.

Virtual Mailbox Address Nevada – Among the most extensively saw email administrations offered is postal mail sending. Email sending can be used when a business proprietor, much the same as you, truly needs to get an obvious place of work. Keep in mind, different mail sending administrations offer you an elective game-plan place of work. This address is unmistakably where your advancing toward mail will be sent to. For the most part, your fresh out of the case new, exchange work locale will be planned in a vital, fathomed put, for instance, Nevada. After your mail comes to at the mail advantage head office, your email will be dispatched to you, at the zone street number.

Despite the way that mail sending is the most steady sort of administrations offered, you will locate extra postal mail benefits that are by and large given by methods for mail sending Nevada affiliations. One of these administrations is mail engineering. On the off chance that your mail is separate to go a specific division or individual, your business email sending administrations will be able to locate that out for you. This is done just by get-together the entirety of your mail with everything considered and sending it for you that way, all arranged. In context of the specific business postal mail administrations open to you, you can even have the ability to have a portion of your junk mail, discarded. Discharging your spam, before it gets to your organization, will really spare you time.

On the off chance that you are thinking about chasing down more exceptional business courses of action which might be accessible to you, you are drawn nearer to check for an organization who additionally offers these sorts of administrations. It is fitting to go surfing on the web. A common Google intrigue should offer the outcomes that you will filter for. Those results can help make this less unpredictable for you and for your business to have achievement.

What is valuable concerning these administrations is that they dispose of a far reaching some portion of the long structures that could abuse your shot and cash. On the off chance that you inquire about decisively how much time, cash and exertion you will squander and show up distinctively in connection to the total you’d spare if you somehow managed to use for a mail sending Nevada advantage, you will effectively begin to concur that it’s an awesome meander that is safeguarded paying little notice to the cash.

So as opposed to proceeding to battle with aggravations; for what reason not have any effect for an email sending organization. It is unassuming and worth the measure of cash you pay. By picking email sending, it construes that your organization upgrades and that the mail sending process is more robotized and pleasing.

Perfect Taste for the Hot Pepper Soup Now

A bright warming cream soup, its sweetness and color that gives the red Bulgarian pepper and the sharpness of the chili pepper is there. It tastes like gazpacho, but in its hot winter version. Tomatoes, which now do not have a special taste, here replace aromatic pepper. It turns out delicious and beautiful! The popularity of the soup is high now and that is why you can have a perfect support from the best chefs now. The making if the hot pepper soup proves how perfect the results are. No doubt that the lovers of this soup are in preference with the baked pepper in presence.

At the end of the cooking, chefs added to the plates two tablespoons of thick gooseberry yogurt. You can replace it with cheese or cubes of avocado. If you add to the soup a couple of toasted wheat sprouts, you will get a satisfying warming dinner.

  • Cream-soup of baked pepper
  • (for 2-3 servings)
  • 4 red bell peppers
  • 4 cloves of garlic
  • 2 celery sticks
  • 1 medium carrot
  • 2 cups of water
  • 2 pinches of chili pepper (or a piece of fresh)
  • A piece of butter or a spoonful of olive oil
  • 1 tablespoon dried onion
  • Salt& pepper to taste
  • Petals of red pepper
  • Yoghurt or yogurt from goat’s milk

Whole bell pepper and cloves of garlic oil with butter and bake in the oven at 180 ° C. Cut the celery and carrots and cook in two glasses of water, about 15 minutes. Bake pepper and garlic, baked until soft, from the oven. Remove the core and seeds from the pepper.

Send the baked pepper and garlic to the blender

Add the cooked carrots and celery together with the resulting broth. Add a slice of a creamy or spoonful of olive, a couple of pinch of chili and a spoonful of dried onions. Grind everything in a blender to a homogeneous cream soup. Add salt and pepper to taste.Pour the soup over the plates and add a couple of spoons of yoghurt, curdled milk or cheese from goat’s milk. Decorate with sweet pepper petals and have fun.

The Smart Factoring that is Very Much Required Now

Factoring receivables or financing a debtor is when a company buys a debt or an invoice from another company. In fact, factoring transfers ownership of the accounts to the other party, which then follows the debt?

A few words about the situation for today

Readiness In fact, you are here at the conference, probably because, in part, that you want to develop. We must be ready to take new heights. Imagine, you are being contacted by a large trading network with a proposal to make a large order, and you need to find working capital in order to fulfill this order. Factoring here, like no other tool, allows you to quickly receive financing in the required amounts, as well as increase the amount of financing, together with the growth of shipments.

The Sources

Sources of financing of shortage of circulating assets Factoring is a source of financing, on an equal basis with other sources, of course you can use it, if there is such a possibility a commodity loan from the supplier, you can use your own resources, but if these sources are not enough, pay attention to such a tool as factoring. The term factoring has different interpretations, each implies something of its own, but if you want to sell distressed debts, current debts, or simply get financing secured by this debt, then different organizations can be useful to you.

Bad Debts

If we talk about bad debts, collector agencies are engaged in this, if it is necessary to sell the debt, there are factoring companies for this purpose, which are affiliated with many trade networks and with banks. If to speak about financing under maintenance of a debt receivable, it certainly banks which provide factoring. Accordingly, the price of the issue is very different. Consider the classical scheme of a factoring operation. With the factoring invoices this complication can be solved.

The main participants of the classical factoring operation are the seller and the buyer, the factoring contract is concluded between them and after the delivery, the seller brings documents that confirm the shipment to the financing organization and receive financing. The buyer, when the payment term comes, is calculated with the supplier, but at the expense of the Factor. The scheme of factoring with regress Differences from the classical scheme lie in the details.

For the Buyers

The buyer pays not to factoring companies and not to the bank, he pays to the seller’s account, sometimes transfers money simply to a normal checking account. And often it happens that the buyer does not even understand that they work with him on factoring and finance the supply, because for the buyer in fact nothing changes, he, as paid to the seller’s account, and continues to do so. Debt acts only as a security for the given financing, because for the bank the main counterparty is the supplier, with the debtor, in general, the bank does not contact.

How factoring can benefit for our business

Are you wandering what is factoring? Factoring is the regular recurring purchase of receivables from deliveries of goods and services for immediate payment of the purchase price. In practice this means: In factoring, a company sells its outstanding receivables to a factoring company (factor). For this, the company is immediately credited an amount that amounts to about 80 to 90 percent of the respective external balance. In addition, the factoring company usually assumes the default risk as well as the entire debtor management, from dunning to debt collection.

The factoring contract

In the factoring agreement, the factoring customer (customer) undertakes the factor to offer all – in the future – receivables arising from delivery and service for purchase (obligation to supply). The factoring agreement with a basic term of 1-2 years basically includes the purchase of all arising receivables.

Changes in accounts receivable accounting

Invoices are to be numbered consecutively and submitted to the factor in agreed cycles. The term of payment may not exceed 90 days. The payee in factoring is no longer the factoring customer but the factoring company. The debtor can only pay to the factor with debt-discharging effect. This change is indicated to the customer by a note on the customer’s invoice. The customers are also informed in advance by the customer about the cooperation with the factor.

In addition, the factor will take over all accounts receivable and receivables management, including dunning, extrajudicial and judicial recovery. Incoming claims are processed by the factoring customer in coordination with the factor. As far as credits are to be issued, these are also booked by the factor.

Assumption of credit risk

The factor assumes the default risk in full by purchasing the receivable. Approximately 80 to 90 percent of the invoice amount purchased less the factoring fees are transferred to the factoring customer when the invoice is submitted.

The company receives a detailed statement of the settlement items as a daily statement. About 10 to 20 percent of the purchased invoice amount will be retained (blocked account) and credited to the factoring customer when paying by the customer – at the latest, however, after 150 days. This also applies if the customer does not pay.

The factor constantly checks the creditworthiness of the debtors during the cooperation. The factoring customer applies for a credit limit amounting to the maximum expected receivables from its debtors. After a positive check, each customer is granted a credit limit within which the factor is obliged to purchase the factoring customer’s receivables.

If necessary, the credit limit will be adjusted to the credit development. If a credit limit is rejected, the company will be informed immediately.

Have The Best Business Analyst In Your Team

Every organization goal is to achieve success and acquire the popularity as soon as possible, and only for this they develop and market their product or service. All the organization love to have employees who are smart enough and intelligent to handle their business activities. There are various business departments, categories, work activities available in an organizations, and the employees belonging to the departments vary in all sort of categories like education, work ability, work availability, time required to work, etc.

The responsibility for hiring all these human resources will be with the human resource department who mainly look for the employees or candidates they are good enough and fit to the business model and who are capable enough to cope with the business chores. One such important employee they might struggle to look for is business analyst, as most of the business goals can only be achieved via an effective business analyst. They are the key factors who are responsible for successful product or service disposal, i.e. they will be there right from the analysis to delivering the product to the end customer.

Hire the best business analyst

And now the ideas to hire a good business analyst are shared for your welfare. While looking for the candidates for this post you may look for the analytical, logical and cognitive skills in them, because analytical and cognitive thinking will help you have the best product outcome as they have the capability to think all the positives and negatives at one go. So now filtering the candidates might seem to be difficult, but do not worry you have Pierson requirements group who are well versed in providing business analyst courses, and they provide business analysis training to students and even the employees in your organization.

There are various types of business analyst courses available with them which help you to select those candidates who well fit into your requirement. Right from requirement analysis, use case diagrams to functional specifications and end to end testing, the candidates are well trained. If you select any one among them, you can definitely have the good business analyst for your organization and have the error free product in hand. Thus you will end in having the employee that suit your business goal and this will help you reach the profit goal you set while starting your business.


When You Require Skilled Signage

Does your company regularly visit international visitors? Then it is wise to apply the skilled signage Singapore in several languages. The best way is to do this in English, in addition to the other references. If the signage is turned off in three or four different languages, it becomes too long and too large signs. Another useful solution is to support the text by means of icons. The sign for a toilet or canteen is perfectly understandable for all nationalities.

Benefits of metal recycling

Some well known for scrap metal recycling companies act not only in demolition materials, but also in devices that contain metal. A metal trader in Den Bosch indicates that they also buy old computers, because metal is often used in the motherboard and the hard drive.

Sometimes strict environmental requirements are associated with the recycling of appliances. Returning air conditioning and refrigerators, for example, is often not possible because hazardous substances are often processed in these appliances.

Those who occasionally trade a batch of metal do not have to pay any tax on this income. But if you go to the metal dealer so often that you start to look like an entrepreneur, you have to start paying taxes.

Not every scrap dealer purchases metals from private individuals. Some work with a minimum weight for less expensive metals like iron. Therefore it is advisable to first call the metal dealer in the neighborhood before you pick up the car. Metals must also be handed in ‘clean’, i.e. without glass, plastic or other non-metals.

Benefits to find well known Singapore funeral director

Choosing a location for the funeral is important but at the same time it is confusing. You can choose a church or a funeral home. A church is usually chosen when the deceased person himself had a relationship with the church. In the other cases, a funeral home is usually chosen. You can also choose a municipality where the deceased person has a bond with. Sometimes a different location is chosen, such as a backyard, but this is not often the case. In this case a well known Singapore funeral director can advise you the right choice.

Choose the right music

Music at a funeral is seen as a moment when people can think about the deceased person. A funeral director chooses music that suits the person. This does not always have to be music with sad lyrics. Some people only listen to a certain genre or just love entire festive music. Choose music that everyone will think: ‘yes, this fits’. This way you get a personal and good way to say goodbye to the person you loved so much. If you really cannot find good music, then you can be inspired by the funeral music for example. This is a list that is compiled every year.