Complete Guide to Evaluating Websites

Complete Guide to Evaluating Websites
This website checklist works well regardless of your niche. This criteria list for evaluating websites is universal!

Evaluating Web Resources

A “web resource” is anything online, that can be found via a search engine, that provides informational content to the person searching. It needs to satisfy the person doing the searching by answering their specific question; but more, it should answer those follow-on questions that arise from the information provided.

Evaluating Web Page Search

When evaluating web pages or even a single web page you need to adopt the perspective of the person doing the search – not the site owner. Sure, there are things you want a visitor to know, but it far more more important to first inform the website visitor of what they want to know.

Evaluating web resource search is about the visibility of that resource to the person doing the search. In simple terms, your web resources need to be found. This is SEO and is a critical factor, but beyond the scope of this article. Go to our blog post on SEO to learn more.

Assessing a Website

Content Checklist

What site visitors see and what they can learn from your web resources is the primary focus of this checklist. There are fundamental technical issues that we’ll address elsewhere – “content is king.”

BrilliantDoc is a website company for the medical profession, but as mentioned earlier, this evaluation criteria is universal. Here are our “8 C’s” for evaluating web resources:

1. Contemporary

2. Clarity

3. Crispness

4. Completeness

5. Convincing

6. Competence

7. Cheerful

Clear calls to action.

8. We’ll discuss each…

1. Contemporary

Web sites evolve in terms of their look and feel. This is an intangible quality and is purely in the eyes of the beholder. As a website owner, you are so familiar with the website that it may seem fine to you. But, if you haven’t done a website redesign in a few years, you may want to investigate whether or not it has a contemporary look and feel.

Why contemporary? It signals to the website visitor whether your company, agency, or educational institution is “up to date.” Make sure your website is making the impression you want.

2. Clarity

Your website visitor owes you nothing. If there is any confusion whatsoever, they’re gone.

I’ll assume you are an expert in the resource being provided. So on a scale of 1 to 10, let’s say you are a 9 in terms of knowledge. But, you know your website visitors are not – that’s why your intended audience is searching for web resources.

So, you “dumb it down.”

But what you don’t realize is that when you simplified things, you were talking at a level of 5 or 6. Meanwhile, your audience is operating at a knowledge level of 2 or 3. What you need is a website that is clear enough that someone with a knowledge level of 2 is satisfied, but also with enough content that someone with a knowledge level of 7 is also satisfied.

3. Crispness

Crispness means short and sweet. People want answers to their questions, not the history of your business. One aspect of this concept is your competition. Your site will be evaluated by Google relative to your competition. So keeping it short and crisp could mean 500 words or it could mean 5,000 words. It depends upon your niche and your competition.

4. Completeness

There are web resources for finding out what people want to know about any topic. The first and easiest is Google itself. When you search they give “related searches” at the bottom of the search engine results pages (SERPs). There are also sites that exist to collect the kinds of questions people ask about various topics. The most well-known is Answer the Public.

5. Convincing

Remember the purpose of your website resource – people want answers but they need to be convinced you are giving them the correct answers. With the quantity of misinformation on the web today, you need to create the authority to be believed.

6. Competence

One aspect of convincing people is showing the competence you have to answer their questions. Reviews and other social proof come into play here. Always make sure your content is well-researched, factual information. Also, make sure there are no typographical errors… that destroys competence.

7. Cheerful

This relates to the tone of your website. Regardless of whether your site is a government agency, a sponsoring organization, or an official site of a business, people are attracted to positivity. The tone should be cheerful in most cases.

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Why Your Business Should Invest In Electric Vehicles

If you’re an established business, you may have been using your petrol or diesel-powered company car(s) for some time.

Changing your company transport may not be the first thing on your mind as a business owner, but switching to electric vehicles can o?er your businesses substantial savings on fuel and maintenance costs, as well as delivering improved compliance with sustainable business and environmental health regulations.

Here, we will explain the advantages of switching to electric vehicles for business, and how to make the most of your electric vehicles in your daily operations.

Lower Running Costs

While driving for one mile in a petrol or diesel car can cost as much as 12 pence, you can drive the same distance in an electric vehicle for as little as 1 pence.

Research by found that company cars drive an average of 13,200 miles per year. Therefore, for a fleet of six conventional company vehicles, you could be looking at an annual cost of over £9,500. Making the switch to electric, however, would result in an annual fuel expenditure of under £800 – a total saving of £8,700.

Switching to a zero-emission or hybrid electric car could also o?er your business substantial tax reductions. Zero-emission electric vehicles are fully exempt from road tax, while plug-in hybrid electric vehicles cost between £0-105 in the first year (as calculated by to the amount of emissions they release), and £145 in the following years.

In addition, owners of EVs worth more than £40,000 are required to pay a premium, but this does not apply to fully zero-emission vehicles. By comparison, the average road tax for a conventional petrol or diesel car is £165.

And while the cost of the battery of an electric car may initially appear expensive, with an average price of £5,000, this cost is o?set by lower fuel consumption, tax exemptions from fuel duty, vehicle excise duty, company car tax, and van and fuel benefit charges, plus lower maintenance costs.

Electric vehicles also require less maintenance than petrol or diesel-powered cars, and are less likely to need costly repairs, due to having fewer moving parts than an internal combustion engine (ICE).

If you are concerned about the price of an EV battery, you may also have the option to lease the battery, enabling you to spread the costs so you can meet your budget.

Environmental Compliance And Sustainability

Transport is the leading cause of greenhouse gas emissions in the UK and releases up to 28% of all carbon dioxide (CO2) emissions.

Using electric vehicles or hybrids helps businesses to lower their carbon footprint by releasing lower levels of CO2 than conventional models; this can help with meeting the targets and responsibilities set out by environmental compliance law, which places restrictions on emissions of CO2 and other harmful gases.

Switching to electric vehicles can also help your business to meet your CO2 and NO2 reduction targets, become compliant with government initiatives such as the Energy Savings Opportunities Scheme (ESOS), and exempt your business from financial penalties and green taxes, such as Ultra-Low Emission Zone charges.

Plus, using EVs can help your business to position itself as a ‘green’ brand. Many major companies are now promoting their low carbon footprint as a way to attract customers who are interested in living a more sustainable lifestyle, and who buy from brands that are eco-conscious.

New Sources Of Revenue

Installing an electric vehicle charging point on your site may o?er a new potential source of revenue from customers and sta?. The UK government o?ers up to 75% funding for the installation of an electric vehicle charging point, meaning that your company can install a charging point for a fraction of the usual cost.

When the charging point is installed, you can use this to generate income from customers who want to charge their electric vehicles. This may also encourage customers to spend longer in your shop or business as they wait for their vehicle to charge, leading to increased sales opportunities.

Getting The Most From Your EVs

There are many potential advantages to using electric vehicles in your business, but how can your company make sure you are getting the best out of your EVs? Here’s our checklist for you to consider:

• Identify Relevant Government Grants And Schemes: There is a wide range of grants and initiatives that can save you money when buying, running, and maintaining your EVs. Research potential vehicles and their eligibility thoroughly before buying a new car.

• Select Your Model Carefully: Not all electric vehicles are fully zero-emission! Check carefully before you buy.

• Drive E?ciently: Enforcing e?cient driving techniques can help to protect your EV’s battery and conserve power. Make sure your employees are driving e?ciently by conserving momentum, avoiding heavy braking, reducing speed, minimising the use of air conditioning and heating, and using the vehicle’s in-built eco features.

• Staff Training: Employees should be trained in routine electric vehicle maintenance. This helps prevents issues from occurring and enables them to perform basic maintenance when required, thereby enabling your business to save more money.

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3 Ways to Promote Brand Values in Your Marketing

Establishing values is an integral part of the creation of any successful brand.
But why are brand values, something which can seem so insignificant, so vital to the success of your brand?

Well, when you promote brand values, it allows you to establish an emotional connection with current customers and potential patrons, giving you the opportunity to build much-needed trust, loyalty, and familiarity.

And if potential customers identify with the values of your brand, they’ll be more likely to choose you over the competition, as their connection with your brand goes deeper than just wanting your products and/or services.

If you don’t have a solid set of values, and you’re just sort of winging it, the process of building that emotional connection, and the trust, loyalty, and familiarity that go along with it, will be much more difficult, if not impossible.

At the same time, it’s also going to be way harder to maintain any sort of consistency in your branding and marketing, which will make your business less recognizable and could make you seem less trustworthy, as it may look like you’re not really sure what your brand stands for.

Now, if you’re reading this article, I think it’s safe to assume that you already know what brand values are, and you’ve probably already established some or are in the process of doing so.

That being said, in this article, I’m not going to bother to define brand values or explain how to come up with them.

For those of you who haven’t defined the values of your brand, or don’t even know what brand values are, you should start by reading our previous article, which explains Why Creating Brand Values Is Vital to the Success of Your Business.

It’ll tell you everything you need to know about what brand values are, why they’re so important, and how to start creating brand values of your own.

But if you’ve already defined your brand values, or you’re in the process of creating them, then you’re going to want to keep reading.

Because in this article, I’m going to discuss the crucial next step of promoting brand values in your marketing, explaining how to go about doing it, and offering some examples of how we’ve done this for our clients, so you can have a better idea of what’s involved.

How to Promote Brand Values in Your Marketing So, you’ve finally figured out exactly what your brand stands for, turned that into a solid set of values, and you’re ready to convey them to the world.

Or perhaps you’re in the process of defining those values, and you’re wondering what you’re going to end up doing with all those lofty ideals.

Either way, at this point, you need to know how to actually communicate these values to your audience, and the world at large, by injecting them into your marketing.

From my perspective, there’s no better way to explain things than by example, so below, I’ve detailed a few of the tactics we’ve used to help our clients promote brand values in their marketing, so you can have a better understanding of how to go about doing this.

READ: Why Brand Consistency (or Lack Thereof) Can Make or Break the Success of Your Business

When you’re presenting your brand to the world, you’ve got to make sure to maintain consistency.

Without that consistency, you could confuse your customers, make yourself less recognizable, and erode any familiarity and trust people already have with your brand.

So, if you’re working on your branding, and you want to learn more about how to ensure it’s consistent, then you’re going to want to read this article.

It explains what brand consistency is, why consistent branding is so important, how you can maintain consistency in your branding, and highlights some of the most epic failures of inconsistent branding.

Keep reading here.

Blogging One of the best ways to promote brand values in your marketing is by blogging.

There are a number of ways you can go about doing this, with some being more effective than others.

You could be completely direct and actually publish blogs about your brand values and why they’re important to you, or be more subtle about it by making your values known through the voice you use in your writing, what information you choose to offer, how you provide that information, and what you have to say about subjects that are relevant to what you do.

Typically, we go with the latter approach, instead of beating the reader over the head with a heap of virtue signaling.

If I had to choose the best example of this in terms of what we’ve done for our clients, I’d have to go with the work we’ve done for Dr. Dheshnie Thangavelu, owner of a Vancouver-based medical spa named Deez Skin Rejù & Pain Clinic.

Dr. Dheshnie’s brand values include things like honesty, integrity, and trust, and we keep that in mind when helping her to create her monthly blogs.

Within these blogs, Dr. Dheshnie is not afraid to be completely honest about the questionable behaviour of some of the people in her industry.

For example, Dr. Dheshnie has called out other medical spas for doing things like diluting their dermal fillers.

Some marketers may have called this a particularly risky move, as it reflects poorly on Dr. Dheshnie’s industry as a whole, but from our perspective, it was the perfect way to differentiate her from the competition, while effectively conveying her brand values by showing that she’s honest and a woman of integrity who can be trusted.

Dr. Dheshnie is also not the least bit shy about divulging everything her treatments entail, both good and bad, and this also helps her to promote brand values in her marketing. She gets straight to the point and doesn’t try to sugar-coat anything.

The first paragraph under this heading warns the reader that this is a “painful procedure” before detailing a long list of complications associated with it.

Sure, she could try to downplay this stuff, or not even talk about it at all, but at the end of the day, that would erode Dr. Dheshnie’s credibility because it doesn’t align with her brand values.

So, if you want to use blogs to promote brand values, then you should follow Dr. Dheshnie’s example and make sure the content of your blogs aligns with your brand values at all times.

Website In today’s world, the most important marketing tool you’ll ever have is your website, and it also offers some of the best ways to promote brand values.

A website will act as your brand’s main touchpoint, helping you to gain qualified leads, increase your customer base, and present your brand to the world in a way that showcases its values in the best possible light, ensuring you make a good first impression when people find you online.

Any website that’s worth its salt should do a bang-up job of promoting brand values, but if I had to think of a client’s website that’s most relevant to this, it would have to be Rose Marie Swanson’s site.

Rose Marie is what’s known as a spiritual coach, which means that she helps people get through issues in their spiritual life, similar to how a clinical counsellor would help a client with their mental health.

We created her first website back in 2015, and it looks pretty dated.

Then, earlier this year, she asked us to redo her website as part of a complete revamp of her personal brand, and as you can see, it looks a heck of a lot better than her old one.

Rose Marie’s new website does an amazing job of conveying the values of her brand, both through the imagery and the copy.

But I’m not going to go into all that here because there’s something more important that I want to show using this example.

At this point, many of you are probably wondering why I’m comparing iterations of Rose Marie’s website in a blog about how to promote brand values, but bear with me here.

You see, something that’s often overlooked when it comes to websites is the fact that people will make judgments about your credibility, and by association, your values, based solely on the look of your website, without even reading any of the copy.

This has even been shown in at least one scientific study, but it’s already blatantly obvious anyway.

So, how does this relate to promoting brand values?

Well, let’s face it – it’s going to be pretty hard for people to take the values of your brand seriously when they’re being communicated through a website that looks like it was designed by a high school kid or made 20 years ago.

So, if you want to ensure you can effectively promote brand values using your website, you’ve got to make sure that it looks professional.

Because if it doesn’t, you can promote whatever brand values you want, and people are still going to judge you harshly, regardless of what those values might be.

If you want to learn more about what we’ve done for Rose Marie over the years, you should check out our article on Why Building Trust is So Important for a Successful Rebrand.

Email Marketing Another great opportunity to promote the values of your brand comes in the form of email marketing.

Whether it’s a newsletter, auto-responder series, or some kind of promotional message, email marketing allows you to consistently convey your brand values to potential clients on a regular basis and maintain familiarity with those who have an interest in what you have to offer.

That being said, it was really tough for me to choose a client to showcase for this marketing tactic, as we do a lot of email marketing for clients, and there are so many great examples.

But if I had to choose a client we’ve worked with whom I feel best conveys their brand values in the email marketing we do for them, it would have to be Kali Dayton of Dayton ICU Consulting.

Kali offers consulting services to help hospitals implement evidence-based practices for patients on mechanical ventilation. The values of her brand include things like compassion and dedication, along with her overarching mission of improving care for ICU patients and working conditions for ICU staff.

She is extremely vocal about the positive effect these practices can have on both outcomes for patients and working conditions for clinicians, and this shines through in every aspect of her marketing.

At the same time, she’s also not afraid to call out the negative effect that a lack of evidence-based practices can have on both clinicians and patients, despite the fact that this is a very controversial topic in the medical field, not least because it has the potential to make hospitals look bad.

With that in mind, one of the most important aspects of conveying Kali’s brand values is to ensure she looks and sounds professional, while putting a focus on her expertise when it comes to this topic.

Right off the bat, the image of Kali in her newsletter header helps to show that expertise. As you can see, she made sure to have her photo taken wearing a white lab coat because this alludes to the fact that she is a clinician and therefore knows what she’s talking about on this subject.

Then, directly below the header, she’s speaking quite frankly about the brutal reality of ICU care for patients with acute respiratory distress syndrome, so as you can see, she doesn’t hold back, and the passion she has for this issue is obvious.

Kali’s newsletter also includes her monthly article as a feature, which typically documents some of the best and the worst examples of the care patients receive when they’re on mechanical ventilation.

She doesn’t shy away from controversy here either, refusing to mince words about how things are for ARDS patients in the ICU.

Kali’s brutal honesty on these kinds of topics, which could make her a pariah in the medical field, offers more than enough evidence that she’s genuinely passionate about this issue, has great compassion for these ICU patients, and is dedicated to improving ICU practices.

So, if you want to promote brand values with a newsletter, or any other kind of email marketing, take a hint from Kali and don’t hold back. Be yourself, convey your brand values in an uninhibited way, and let the authenticity of those values shine through.

Are you feeling overwhelmed about how to promote brand values in your marketing? We’ve been helping business owners build their brands for more than 20 years. Contact us today to find out more about what we can do for you.

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10 Tips for a Stress-Free Office Relocation

Moving your office to a new location can be stressful, time-consuming, and overwhelming. However, with the right plan and preparation, you can minimize the disruption to your business and ensure a smooth and stress-free relocation. In this article, we’ll share ten tips to help you prepare for and manage your office relocation, from selecting the right moving company to ensuring a seamless transition for your employees.
Plan and Prepare Early The key to a successful office relocation is to plan and prepare early. Start by creating a detailed timeline of the entire process, from finding a new office space to moving in. Assign specific tasks and deadlines to your team members, and make sure everyone is on the same page.

Establish a Relocation Budget Moving your office can be expensive, so it’s important to establish a relocation budget upfront. Factor in all the costs involved, including moving expenses, packing materials, and any necessary renovations to your new space. Be sure to also include a contingency fund for unexpected expenses.

Choose the Right Moving Company Selecting the right moving company can make all the difference in ensuring a smooth and stress-free relocation. Look for a reputable and experienced company that specializes in office relocations. Make sure they have the necessary equipment and insurance to protect your belongings.

Create an Inventory Checklist Before you start packing, create an inventory checklist of all the items that need to be moved. This will help you keep track of your belongings and ensure nothing gets lost or left behind. Label each item and assign it to a specific location in your new office space.

Notify Your Clients and Vendors Let your clients and vendors know about your upcoming relocation well in advance. Update your website, social media pages, and business cards with your new address. Make sure your clients and vendors have your new contact information, and provide them with a timeline of your relocation.

Inform Your Employees Your employees are an essential part of your business, so it’s important to keep them informed about the relocation process. Hold regular meetings to discuss the relocation timeline, and answer any questions or concerns they may have. Make sure to also provide them with clear instructions on how to pack and label their belongings.

Label Everything Clearly Labeling your boxes and items clearly will save you time and reduce the risk of items being misplaced or damaged during the move. Use color-coded labels or stickers to indicate the contents of each box and its designated location in your new office space.

Pack Strategically and Securely When packing your belongings, pack strategically and securely. Use sturdy boxes and packing materials to protect fragile items, and use padding or bubble wrap to prevent damage during transit. Label boxes with fragile items clearly, and pack them separately to avoid damage.

Set Up Your New Office Space Once you’ve arrived at your new office space, take the time to set up your new space strategically. Plan out the placement of your furniture and equipment, and make sure everything is organized and functional. Test all the utilities, such as the phone and internet, to ensure they are working properly.

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Want To Start A Home Based Business! First Get Your Funding Strategy Right

Proper Funding is a pre-requisite for the successful operation of a Home Based Business. The fact is that without sufficient funds even the best planned Home Based Business whether it is big or small is bound to fail. Cash is an important ingredient absolutely necessary to sustain your Home Based Business and run it. The capital you require will ofcource depend on how big your operation is going to be. Many businesses fail within a year or two for want of sufficient working capital.

Most Home Based Businesses don’t often need much funds especially if you start on a part-time basis; nevertheless funds are absolutely necessary even if you start a Free Home Based Business.

The fact that you do not have sufficient funds need not put you off from starting a Home Based Business because you can always apply for a loan.

Given below are 6 sources from where you could obtain loans and get your home based business up and running.

Credit Cards:

Many Home Based Business entrepreneurs looking around for finance are not aware of the fact that many small business owners partly finance their business with credit card loans. Just take a count of the number of credit card offers you receive in your e-mails every week! The credit cards are very convenient and easy to manage. The interest rates are of course high and you should act smart and obtain one with the lowest interest rate. Since the interests are generally high, unless managed properly it can be counter productive. Credit cards are certainly very useful for your Home Based Business if used carefully.

Personal Loan:

Every time someone wants a loan, he makes a bee line to the bank to take a personal loan. These loans are given to individual applicants based on their personal income and credit worthiness. Hence a good income and good credit rating will qualify you for a loan that you need for your business.
So to Start a Home Based Business, you can apply for a personal loan. If you have an intention of leaving your job and starting a home based business, it is advisable to apply for a loan while you are still employed. In this manner you are assured of a loan and a higher amount as well.

Business Loan:

Another way of obtaining a loan is to apply for a business loan but it is often difficult to obtain for a new home based business. This is because the business has little or no equity and they don’t possess a track record of success. The interest rates are of course reasonable. In this instance you must have a business plan to obtain a loan.

Home Equity Loan:

This loan is similar to that of a personal loan but in this case you have to pledge your home or some property as collateral in the event you default on your loan payment.
The advantage here is that a large amount of money can be obtained for your home based business for a long term of 15 years or so. There are two choices, either you obtain a lump sum amount or draw amounts as and when you require money for your business.

SBA Loan:

This loan can be obtained easily by Home Based Business entrepreneurs. The SBA loans no money directly. In America this loan is backed by the US. Small Business Administration and it guarantees 75% of individual loans made by banks. Hence lending banks have less risk in the event of default.
More information can be obtained from


This is one popular place many Home Based Business entrepreneurs turn to when they need cash to start a home based business. Here you will get an immediate approval for your loan with no interest.

To Start a Home Based Business you don’t need a huge loan. Just because you can obtain a big loan it does not stand to reason that you should obtain one. The success of your home based business depends on the optimum loan obtained and how well you manage your financial commitment.
If you do not have the funds but have the passion, drive, determination and the staying power then go ahead, get a loan and Start a Home Based Business.

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7 Deadly Mistakes to Avoid When Starting Your Own Home Based Business

Having a home based business can be a great experience. You set your own hours, have more time for family and can go to work in your pajamas. Certainly you have heard all the upbeat, feel good positives on having your own home business. However, there are some pitfalls that can cause your business to go belly up before you even get a good hold on your industry. Many of these mistakes can be avoided with a little forethought and some planning. If you know what you may be up against ahead of time, you can combat it. Knowing and preparing yourself is half the battle. Avoiding these mistakes will save you headache and heartache.

1. Starting a home based business that is not appropriate for your home.

Whether it is a lack of work space, storage, inventory or your employees’ work space, you may need to look outside of your home for facilities. As a rule, online businesses and service businesses are typically easier to run from home than manufacturing businesses. Be realistic; don’t let your judgment be clouded by potential tax breaks or low overheads.

2. Lack of focus or motivation.

It is easy to get distracted when you work from home. You may not feel motivated to get up and work, may get distracted by the phone or the kids. You need to set aside time that is specifically designated for your business – and stick to it. Running a home based business is a great way to cultivate self-discipline. You really need to have that self-discipline to make sure you get your work done on time instead of watching TV or doing housework. Dedicate a specific time period only for doing your home business and do not let anything else get in the way of it (unless of course it’s an emergency).

3. You don’t have any growing room.

If your home based business takes off, you will probably get to a point where you need to expand. Expansion of your business may be as simple as adding a computer or new printer or as complex as bringing in more employees. While you are setting up your home business, prepare for eventual growth as well. Be prepared for the possibility of getting an office space if you need to even though you started out as a home business.

4. You don’t spend wisely and don’t budget well.

You may be saving on overheads such as rental when you work from home, but are you spending unnecessarily on equipment or maybe even some little luxuries for yourself? This can lead to over spending and you exceeding your budget. Set your budget and stick to it.

5. You fail to promote your business.

While you are sitting in your home office, wearing your slippers and sipping your coffee, you may get just a tad too comfortable and forget one crucial element for your business success – marketing and promotion. You have to get the word out and promote your home based business if you want it to get sales or orders. In fact, this is the most important part of your business. Unless you already have customers buying from you, or you are spreading through word of mouth, you need to market your business.

6. You don’t have facilities that are efficient or adequate.

When you work from home, it may be tempting to use the family computer or network your computer with the family computer. In a word – don’t. When the kids are playing games and downloading photos, they are using up bandwidth that you need to operate your business. Cut the strings and make your business computer separate from your home computer. All these limitations will make it harder for you to operate your home business.

7. You don’t have a business plan.

Just because you’re starting a home based business, you think that you don’t need a business plan? Having your home based business plan is integral for organization, goal setting and growth projections. If you don’t plan, you could face failure in a very short time. Planning your home business will help you to understand what investments you need to put in and the different aspects of your business. If you get out of course, referring to your business plan can help steer you back to course.

Having your own business can be exhilarating and liberating. Click the link below for a home based business opportunity that comes with the support and instructions necessary for you to market and operate your own home based web business.

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Helpful Tips for Financing a New Car Purchase

If you are thinking about buying a new car there are a number of finance options available that could help you to afford this type of large purchase. Financing a new car can be a daunting task for some consumers as they may be nervous about taking on additional credit responsibilities. However if you take the time to understand the options available and manage your credit carefully then buying a car on finance can be a very effective way to fund your next car.

Tip 1: Understand Your Budget

Car finance can help you to buy a much better car than you might have been able to afford out of your income alone. However it is important not to get carried away otherwise you could end up overstretching your finances. This could be a burden on you for months and even years to come. Therefore it is essential that before you go out and start looking at cars that you sit down and go through your incomings and outgoings. Look at your current debt and expenses and set aside a manageable amount of money that you can allocate towards paying off a car loan or credit agreement. This will help you to judge how much you can afford to borrow against your new car. Once you have a sensible figure in mind you can then go out and start looking for your new car.

Tip 2: Talk to Your Local Dealer

It may be your first instinct to go to your bank for credit products but the face of finance is changing. The economic problems of the last few years have affected banks significantly and you will find that products such as personal loans are no longer as competitive as they used to be. In fact these days car dealers are able to offer some the best deals on car financing on the market. This means that it can actually be cheaper for you overall to buy and finance your car from the same place. Dealership car finance can also offer a number of other benefits to consumers as well. You can find some very competitive extras such as warranties and free servicing agreements that you wouldn’t get from a comparable personal loan from your local dealer. It is also much more convenient to get your car finance from the same place you are buying the car from. You could have your application approved and drive away your new car in just a few hours.

Tip 3: Deposits

Car finance is a lot more affordable if you can save up some money towards a deposit. This will mean you will be able to borrow less money in the first place so that you pay back less in interest overall. A deposit will also make you a more favourable lending risk for finance providers and can help you to get a much more competitive deal. Many car finance products such as Hire Purchase Agreements (HP) do require a small deposit of at least 10% of the car purchase price.

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Update Your Computer System With Bad Credit Computer Financing

The moment I placed myself in front of the computer screen a whole new world beckoned me to join it. And years of strolling have proved incompetent to get me acquainted with the full panorama of computers. You have always wanted one in your home. But something is stopping you. Bad credit? Do I hear bad credit? You think bad credit can stop you from getting your computer financed. Which world are you living in? You certainly need a computer. Computer financing for bad credit can enable you to get your very own home computer, lab tops, desk top or any other computer requirement.

Credit can be marred at any stage due to a number of reasons. Late payments, inflating debts, bankruptcy, county court judgments, arrears, any court case – all can result in impaired credit. Jaundiced credit report can falter you probability for getting computer financing. Yet the odds are not that diffuse for bad credit computer financing. First of all realize that computer financing for bad credit is not a Gordian knot. Any person with bad credit can find a loan including the one for computer financing. Envision your own position before you make a loan application for bad credit computer financing.

Bad credit has some obvious disadvantages that cannot be ignored. Bad credit is synonymous with greater rate of interest. You can’t escape increasing rate of interest for bad credit computer financing. What you can do is shop for a comparative lower rate of interest. First make your own stand clear with respect to bad credit loan. Before you make your claim as a bad credit loan applicant, check out your credit status. This will canonize your computer financing for bad credit with little or no impediment.

Very few people actually understand the meaning of the terms credit report and credit score. These are integral to bad credit loans inclusive of computer financing. A credit report contains a list of any credit cards you may hold, loans you may have taken out, how much your monthly payments are and any actions taken against you for any unpaid bills you may have accumulated over the years. Before providing you with finance for your computer, the loan lender will probably check your credit activities, to rule out any bad credit details. Credit score will be extracted out of your credit report. Your credit score is not good, that you already know. Otherwise you would not have been reading this article. Knowing your credit score will facilitate the prevention of abuse at the hands of the loan lender. He might take advantage of your ignorance and charge you higher rate than valid in context to bad credit computer financing. Forewarned is forearmed. You have heard that.

Now hear this, it really works.

Another term that directly connects with bad credit is no credit. ‘No credit computer financing’ is not similar to ‘bad credit computer financing’. Bad credit computer financing entails that at least you have installed credit through a bank account or credit card company. In the no credit specimen, no credit you have never owned a credit card or ever inaugurated a bank account. This is altogether an entirely different struggle. Some argue that it is better to have no credit instead of bad credit while contemplating computer financing. But the fact is, in order to establish yourself as a reliable borrower you at least need to have credit. And this can’t be done unless you establish a credit.

The facilities that come with bad credit computer financing are a conscientious recompense. The loan lenders are increasingly being innovative with bad credit computer financing products. Computer financing for bad credit permits you to purchase a computer instrument that comes with a full 2-year replacement warranty on parts and service. Also, all machines come with 1-year toll-free tech support. The loan lenders have notebooks and desktops, so that you can choose the machine you want. AMD powered machines that provide the latest processing speeds are also available as bad credit computer financing options. You can avail the latest software programmes through bad credit computer financing. Bad credit computer financing can release new possibilities for students. Computers are indispensable in relation to education.

All said and done – I must tell you that even the loan lenders realize that sometimes things go wrong and can lead to bad credit situation. Financial setbacks can undoubtedly affect your life unexpectedly. Therefore the essence of finding a bad credit computer financing is finding a loan lender that is ready to work for you. Bad credit computer financing can get you not only a powerful highly sophisticated computer system. Not only that the added ascendancy is the building up of positive payment history.
Your computer has waited in vain for retirement. But what could you do, you yourself were groping due to bad credit. This time oblige him with a well deserved annulment of services. And compliment your own specialization with state of the art computer system. This season reboot your computer system with bad credit computer financing.

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How to Manage Your Investment Holdings

The uncertain condition of today’s economy is not encouraging investors. This lowered investment trend can be traced back to the past 5 years where investments have been slow with subscriptions to how to manage your investment holdings magazines taking a dip. Many investors are uneasy over investing their money into a volatile market as stocks have been plummeting in value in recent years, with small rebounds here and there, now and then. This does not give investors enough confidence although there are many investing associations that offer courses or tips on how to manage your investment holdings.

Good Monitoring of Investment
It is crucial to monitor your investments especially in this time of market uncertainty or volatility. Choosing the best investments is no guarantee of positive returns, much less huge returns, if you are not tracking the movements of your portfolio. As in any investment, there will be profits and losses; you can waste a lot of time and your hard earned money if you do not have good tracking habits or strategies such as proper record keeping. It is essential for any serious investor to review their portfolio’s performance when you are serious about how to manage your investment holdings for good returns.

There may be taxes that are incurred, retirement computations which may lead you to make further decisions on your portfolio or opportunities that come by your way to grow your wealth. There are now many online resources for your picking to assist you on how to manage your investment holdings by keeping careful records on every investment you make, be it stock, bond, mutual fund or security. Once the easy setup is done, you will only need to commit to a weekly or bi-weekly check up on the performance of your portfolio. This way, you will not be taken by surprise on any adverse news as you monitor the organizational news of your portfolio.

Online Investment Services
Online investment tracking services will update your portfolio automatically to reflect any price changes on a daily basis with a re-computation of your assets. They also assist in comparisons of your investments to your targets and the expected returns of your portfolio. These online investment services also alert the investor on potential purchases to add on to your portfolio. They may even have tips on how to manage your investment holdings that will benefit you.

Self-directed investing
This is for those who want to manage their own portfolio; those of you who might be retirees and are keen on how to manage your investment holdings can consider monitoring your own investments with a sufficient bit of basic understanding of the various investment types available for your own consideration. You will need to be familiar with tax consequences as well as investment earnings and related costs with any investment you plan to undertake.

You will need to be computer savvy if you are engaging technology in your own monitoring of your portfolio as well as be comfortable with the investment terms and conditions.

Self-directed investment requires online accounts monitoring, evaluation and understanding before an investment transaction can be performed. There may be a substantial online research required to confirm or refute financial assumptions.

Other factors
There is still a need to engage an investment company or professional broker to perform some of your trades or investments. An online broker may charge certain fees for his services. You should check out the reputation and performance of online brokers first before engaging their services.

When you get going on how to manage your investment holdings, you may need to consider it as a long term goal so that you are able to pace your time and effort on the portfolio that you are going to set up. A good investment plan is usually for the long term to enjoy its good returns. Discipline and patience are two virtues that are required when you want to manage your own investments as most stocks do not bring in huge returns in the short run. It’s a great commitment to those stocks which you think will fare well in the long run.

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