4 Things to Remember When Negotiating with Creditors


There’s the fun kind of haggling, like getting a great vintage piece at a flea market for less than the price on the tag. Then there’s the stressful kind of negotiating, like going back and forth with car salespeople over how much you’ll need to hand over to drive away with a new set of wheels.

You can probably guess which end of the spectrum negotiating with creditors tends to fall on — it’s a task many people put off, or even don’t realize is a viable option for trying to reduce debt.

Not only do you have a higher likelihood of getting the results you want if you go in with a plan, you’ll also feel less daunted during the process. Before you pick up the phone and dial your creditors, remember these four things.

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10 Factors That Determine Your Life Insurance Premium


Life is unpredictable and it is wise to plan ahead. Getting a life insurance cover is important to protect your loved ones if something happens to you. This is all the more crucial if your family depends on you financially. Though the step can make you considerably stress-free about the future, buying the right policy can be tricky. Besides ensuring that it matches your requirements and situation, you also need to consider the premium value of the policy. After all, you should be able to pay it comfortably.

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8 Amazing Growth Hacks Every Small Businesses Owner Must Learn


Growth is undoubtedly the top priority for small businesses. At the same time, it is also the biggest challenge for them. This happens because entrepreneurs are often short of funds and have limited marketing budgets. For this reason, they are unable to promote their brand and offerings to achieve their growth targets as expected. But is the situation totally bleak for small businesses? Should owners always expect to struggle to reach the growth targets? Are budget constraints the killers that are totally hard to beat for them?

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5 Tasks Small Business Owners Should Consider Outsourcing


Process automation and workflow platforms are available for businesses of all sizes, including small businesses. However, process automation will only take off some of the load a business owner faces daily. This is where outsourcing comes in and can be invaluable.

Keep reading to learn about some of the most common tasks to outsource and how doing so can help a business owner save time and money.

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4 Solid Reasons to Invest in Your Team’s Knowledge


As a business owner or a team leader, there are so many reasons why it is important to invest in your team’s growing knowledge. From the ground up, there is no more important factor in a business’s success than the employees that are hired. Furthering the knowledge of employees is a plain smart business move. Investing in a team will bump up morale, increase the benefits of the collaborative mind, give your team mates a leg up, and help each individual develop new skillets that can ultimately help the whole team.

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100 Years of American Philanthropy: How Would You Give Away $500,000,000?


Throughout history, those individuals that have an abundance of goods, wealth, and property have been looked up to as leaders of the nation they lived in. Once nations began interacting with each other, the importance of global issues took center front in the causes of philanthropists. The past 100 years have shown how humankind battles through social welfare problems, world wars, and mass epidemics. Here are some of the many ways that pioneer philanthropists used their massive wealth to better the world.

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3 Important Steps to Take to Protect Intellectual Property


When you come up with an amazing product idea and you plan to launch a business, it’s so important you protect your innovation. If the idea is really as good as you think it is, other companies will want to copy it and produce their own versions and in a lot of cases, they might be able to price you out of the market if they are a large company, so you have to be very careful. People tend to think that protecting your intellectual property is as simple as putting a patent on something, but that doesn’t guarantee that nobody can steal your idea. If you are worried about your product ideas being recreated, you need to take these steps to protect your intellectual property.

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How to Target Your Customers Through Geofencing


If you own a business, you might have come across the word geofencing or geotargeting. It is a location-based service where you can target your audience according to the location. An app or browser is used for location data. A device can easily enter or exit the location parameter known as location target or geofence. Based on this boundary, the information about the location will trigger the programmed action. It can be anything from push notifications, display advertising, SMS message, an alert or more.

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Important Tips to Set Up Your New Business Phone


Mobile phones are being updated with new features at every refresh cycle. As a result when you get your new phone, it can be easy to get overwhelmed by the many unfamiliar features available. To help ensure that you can make your phone suit your preferences from the start, go over the following checklist of things you should do first upon getting your new phone.

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6 Ways to Protect Your Business Finances


Anyone managing small business knows the importance of managing the finances with close attention. Failure to do so can put you in hot water very quickly. Small businesses do not have financial cushion like their large counterparts. They are working on a shoestring budget and any hiccups in the cash flow will show up in the financial health of the business very quickly. So how do you watch and protect the financial health of your business? Here are 6 tips you can use.

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