Category Archives: Money, Business, Shopping, Deals

Things to Consider Before Renting an Office Space

An office space is more than just a place for you and your employees to work. It’s far more than simply a room for desks and computers – it’s the space where your team will spend the majority of their time and for that reason it needs to be both functional and comfortable. 

Much like buying a house, finding the right office space to rent out is no mean feat and many things need to be considered. Aside from the most obvious issue of budget, here are several more factors you need to bear in mind before singing a contract for your next commercial property lease. 

Parking 

Parking is an issue many people don’t consider when renting an office space, only to realize either there isn’t enough for everyone in the office, or permits/payments will need to made per employee to grant parking. Understandably, most people won’t want to pay to park at work, nor will they want to spend 20 minutes circling every morning looking for a space, only to end up parking a considerable distance away and having to walk to the office. 

Before you commit to a commercial space, make sure you ask about parking and relay the feedback to your team to get their opinion on the situation. 

Office for Rent

Location 

Naturally, your new office space will need to be in a prime location that’s easily accessible to everyone – including those who are commuting via public transport. You might have employees who use public transport, or you might have clients who will commute for meetings to your office via train. Whilst it’s not feasible for every business to have a location in the centre of a town or city, ensuring you’re within commuting distance if your company is client-facing is definitely something you’ll want to keep in mind. 

In addition to this, you’ll want to consider what type of area the office is in. If there are high levels of crime, you may want to avoid it and find somewhere that is safer. 

Amenities 

Looking inside the office, you need to think about amenities. Is there adequate space for a kitchenette? If you can’t comfortably fit in a microwave, kettle, sink and fridge, it might not be the most viable option. On top of this, are the toilet facilities up to scratch? Is there an outdoor space for people to take five minutes and breathe in some fresh air? Whilst these may seem like small issues, they have a big impact on the wellbeing of your staff and will make all the difference to how 

Customization 

When you’re spending 40+ hours in one space every week, you need to make sure it feels like your own. For this reason you need to consider asking the landlord of the office how much you can do in the way of renovation. For example, are you allowed to paint the walls, hang blinds and change the flooring, or are you restricted on what you can do? 

If the terms of the lease permit you to make aesthetic changes, it’s worth hiring professional contractors to do the job for you. This is because they’re experts and will carry out the job in a health and safety compliant way whilst causing minimal damage through bodge jobs. If you’re looking to paint the walls and hang blinds, you can probably do this yourself, but if you’re looking at major changes like new flooring, employing a company like Selby Contract Flooring will ensure that everything is done properly. 

Summary

Hopefully by asking these questions you will be able to narrow down your search and find an office that works for everyone on your team, as well as your clients.

How Do Debt Consolidation Loans Work?

Most people are panicking about how to stay alive and many are living hand to mouth in the current times, let alone wondering how to pay the next doctor’s bill or clear their overdraft at the bank. A debt consolidation loan combines it all, taking credit cards, accounts, medical bills and other debts and consolidating them into one complete loan. But does debt consolidation really help to reduce the cost of paying off your debt and lowering the interest on your credit card debt?  Here is how it works.

Types of Debt Consolidation Loans

A Home Equity Loan (HEL) is a loan against your fixed asset, namely your house, which is used as collateral or you could apply for an unsecured personal loan from a bank or you could opt for a balance transfer of credit cards which is also usually offered by the bank, whereby all debt is moved to one single credit card account. Important to bear in mind is that your chances of getting any of these loans is lowered when you are already ‘in trouble’ so, the best move is to anticipate future outcomes and strategize before it is too late.

Debt Consolidation Benefits

Researching a debt consolidation loan at Freedom Debt Relief, you’ll find a huge benefit of debt consolidation is having a specific end date, which helps with budget planning and gives you a clear picture of the direction you are going. Moreover, when your debts are properly consolidated, you will pay a lower interest rate and you’ll pay one institution instead of multiple creditors.

Consolidation vs. Settlement

Debt consolidation and debt settlement are sometimes spoken of as if they are the same thing. However, there are some key differences. With debt consolidation the debtor enters into a completely new loan in order to pay off their debt, whereas debt settlement is a situation where the person hires the services of a third-party company that will contact your creditors and offer them a one-time payment in full of the money you owe in exchange for certain concessions. 

Meanwhile, debt consolidation involves no communication with your lenders at all, save to pay them off with the proceeds of the new loan.

As you might imagine, not all creditors would be happy with this arrangement, as it would mean writing off a substantial amount of your debt. It also entails forfeiting the maximum amount they might have made off you in interest payments. However, many experienced creditors consider accepting a settlement agreement better than getting nothing at all, which is what could happen if they forced you into bankruptcy court. 

Ultimately, if you are thinking about consolidating your debts and streamlining your financial path for the forthcoming five to seven years (this is the minimum average time it usually takes to see the light at the end of the tunnel), you’d be better off taking the safest route of a loan to merge your obligations into one financial instrument. This will make it much easier  to settle all the arrears at the various creditors, which, in turn, will give you room to breathe and work out the next steps. 

Keep in mind though, all of this is of course assuming a consolidation would work in your favor. Remember the numbers have to line up for a consolidation to make sense for you; otherwise, you’ll just dig a deeper hole for yourself. 

Why You Need the Best Facial Beds for Your Salon

 They say first impressions last, and for people who have skin issues like acne, breakouts, blackheads, and large pores, that impression may not be as positive as they would like it to be. Hence, facial treatments in spas and salons are one of the most selling or sought-after treatments. It is difficult however to do facials without the proper equipment such as a facial bed. Sometimes facials last for hours especially if there are many problem areas, and more often than not, those who get facials are those who have to have professional help as home remedies or do-it-yourself treatments are not sufficient. The client has to be in a comfortable position and the facial bed should also be comfortable and sturdy and manageable as the one doing the facial has to move around the client to do his or her work. Thus, you need to invest in the best facial bed that you can possibly afford. It is important that you be able to choose the best one in the market so that you can better serve your clients as they come for their facial treatments. 

What Is a Facial Bed? 

               A facial bed is simply a bed used in medical ad cosmetic spas and clinics and in salons to do facial treatments. It usually has mechanisms to lower or increase the height of the bed, it can also be swiveled and moved, it is also fitted with caddies to hold the different scrubs, cleansers, towels, and a light source is also attached as well as a magnifying scope or glass to better see the skin of the client. It has a comfortable mattress and since clients have to lay on it for an hour or two, it has to be soft and breathable and smell good. Facial beds have an aluminum or steel alloy frame which makes them lightweight and easy to move around, the older models tend to be heavy and immovable. Facial beds are the most important equipment that a clinic or salon should have if facial treatments are being offered, without them, facials cannot be done properly and clients might become dissatisfied with the service and which would be detrimental to your business. So, invest in a new, modern and stylish facial bed and you will notice that many clients will come asking for a facial treatment. 

Why You Need the Best Facial Bed 

               If you have a spa or beauty clinic business, having the best facial bed is one of the most important decisions you will have. Admittedly there is no shortage of customers who would want an excellent facial treatment experience. And aside from the skill and training of your staff, the next thing clients consider is the quality of your facial bed. They even would not mind paying a bit more compared to other clinics or salons for a terrific facial bed. One that is super comfortable where they would not feel cramped or painful laying there for hours. You need the best facial bed because it will be one of your top-selling treatments, and it will also make your clients come back for their next facial treatment. It will also give you a competitive advantage over the other clinics and salons, people would prefer to go to your spa or clinic because you have better and newer equipment. On the other hand, having a new facial bed would also be cost-effective for you, since it is of high quality it will last longer than most cheaper models and you could easily recover your capital from it and even be able to buy another one in the coming months. Your staff would also enjoy working with new equipment; hence the quality of their work will also improve and this would lead to more satisfied clients and more loyal clients. In order to maximize your revenues and build a strong and loyal customer base, go ahead and find the best facial bed you could find. 

What Kind of Facial Bed To Buy? 

               There are a number of facial bed designs and models to choose from, but you need one that is first and foremost comfortable. It should have a firm but soft mattress that is covered with breathable and cooling material, remember clients will stay in this bed for an hour or two and they would not enjoy the experience if they become uncomfortable in it. Second, it should have a sturdy and lightweight frame, it should not creak and opt for the darker finish that is modern and minimalist in design, avoid the stainless-steel ones as they appear like a surgical table and it is not appealing to clients. Then it has to have all the necessary attachments and caddies to hold the important mixtures and cleansers. Moreover. it should be placed strategically; it should not be placed in some weird angle that would interfere with the facial treatment. The facial beds also have to come with a stool for the staff or the one giving the treatment. Look for models that include the stool as a package as it will be cheaper than having to buy it separately. Finally, ask for warranties, and in cases of defects and flaws will they repair it or provide a replacement and at what costs it will be. 

Where To Purchase Facial Beds?

               There are quite a number of selections for facial beds as this is one of the most popular spa equipment and there are many online shops that sell it too. You can easily find them on the internet as is most things nowadays. Just try to look over a number of vendors and browse their stocks and decide on two vendors you would actually contact and inquire on your choices. Do not make the decision to buy a facia bed right there and then, try to compare prices and freebies and any packages that then offer. Also, try checking their previous client’s feedback and if you see one of their clients near you, try to visit that clinic so you can see their facial beds in person. If this is not possible, then you can call them to ask for their opinion regarding the facial beds. If you have found the model you want and the vendor you are comfortable with, then go on and seal the deal. 

Changes in Christmas gifts under the epidemic

The year 2020 will be remembered as a remarkable year due to this devastating epidemic. Although we have all suffered to varying degrees, we are still looking forward to life and celebrating the traditional Christmas season and will likely have to do so with the global pandemic over our heads forever. However, there are some changes to the that we all want to receive this year. If you want to send flowers to China, welcome to sammygift.

Digital products are very popular

Because of the outbreak, some local governments decided to impose a blockade. In the last few hours before the blockade was imposed, young people were walking through the shopping streets with cell phones, computers and tablets at the top of their wish lists. According to GfK, a leading German market research firm, displays alone saw a 76 percent increase in share during the “Black Friday” shopping week at the end of November. Similar devices such as keyboards or computer mice were also welcomed by the market, with a 67% increase in share.

Expert Herzog believes: “In the new crown period, people want to receive those things that can be used in the home office. He also said that entertainment to digital products are equally attractive, can accompany people on the sofa to spend the boring night closed city. In terms of product selection, people are, as always, more interested in the quality of the product itself rather than the price.

Kitchenware and cleaning products are selling well

The stay-at-home days saw the emergence of a large number of master cooks, while people’s enthusiasm and demand for kitchenware rose significantly. With people returning more to the home under the epidemic prevention measures, a range of at-home activities with a sense of life also influenced the gift selection. This is the reason for the hot sale of kitchenware, which saw a 133% increase in sales of all cooking-related utensils compared to previous years.

According to GfK’s analysis, medical, health care and sterilization products also sold very well this year. Particularly touted were steam ovens and washing machines with steam functions that kill viral bacteria on clothing.

Jewelry, watches and clocks industry has been hit

In recent years, watches and jewelry as Christmas gifts are very popular, high-quality fine jewelry, silver, gold, platinum products are the Christmas season in previous years, the first choice of gifts. However, this year, sales of jewelry and watches have dropped significantly. Under the increasingly severe conditions of the epidemic, many jewelers also tried to save their own business by some modern means, such as they showed their goods to regular customers by video, offering telephone and online consultation. However, such an approach has not been very effective. Because for jewelry sales, there is no substitute for offline physical displays, and browsing in front of a computer screen is not enough.

Accordingly, the demand for clothing, toiletries and make-up products has also declined. Because there is no need to go out to the office every day, people don’t need as many clothes and cosmetics.

The latest trend – giving each other time

In 2020, people understand the preciousness of life and appreciate what they have more, and value their friends and family more. Because of the embargo policy, we accompany each other and “give” each other time. During this period, people returned to life and many lifestyle magazines gained attention, and “time instead of objects” became a popular slogan.

“Gift” is a beautiful word, full of infinite expectations. 2020 is over, what gifts have you received? What is your most satisfying gift?

What are Some Easy Start-Up Businesses?

The pandemic gave rise to an interesting trend. With people losing their jobs, many of them decided that they no longer wanted to be reliant on an unpredictable economy. People felt it was better to pursue their business idea than to be beholden to the whims of the world anymore. So, there has been a major uptick in small business ownership. 

If you’re interested in starting a business but do not know what that business will be, we’ve unpacked some ideas for you. Here are some of the easiest start-up business ideas to get started with today. 

Dropshipping 

Dropshipping is the business model of listing a supplier’s products in an online store created by you even though you do not physically hold any of that stock. When a customer places an order for a product, you buy the product from the supplier and the supplier delivers it to the customer

Selecting the right products, finding stable suppliers, and negotiating a good margin are the three keys to a successful dropshipping business. Setting up an online store can be relatively cheap, or you can use an existing platform like eBay. Using an existing platform will require you to take some professional photographs and write good product descriptions. 

Online courses 

Due to the pandemic, online learning has become a trend that will boom in 2021. There has been a funding explosion in education technology start-ups. Think about what you know: playing an instrument, cooking, drawing, or social media marketing. You can package this knowledge up into a course that can generate revenue. You will also need expertise in engagement tactics for online courses, but these tools and techniques are reasonably easy to learn. 

Content writing 

You can literally start this business right now. You do not need anything but good writing chops. There are dozens of great writing platforms out there on which you can register as a freelance writer. However, you can also start your own content writing business. If you’re up to flex your business skills, you could go out and get the business and hire an employee to execute the writing. Granted, it takes a different skill set than writing, but hey, that’s what entrepreneurship is all about. 

Sell stock pictures 

Got an eye for photographs? If you take lots of photos and enjoy editing them to standards of perfection, you can put them up for sale to platforms like Adobe Stock Photos, Unsplash, and Shutterstock. 

You generally only need a DSLR and some editing experience. You can learn a lot on the go because you get immediate feedback as you experiment. There is a popularity for quality photos that can be utilized in presentations, websites, and applications. 

Concierge/ assistant services 

High-powered people often need to hire someone to take care of the day-to-day things in their lives. These tasks could be their groceries, their laundry, even scheduling their meetings. If you’re organized and stay on top of schedules, you may be the perfect candidate to run a concierge business. To begin with, you might find yourself doing most of the running around yourself. In time, you can graduate to hiring a few employees to do the execution while you focus on growing your business. 

Digital marketing 

If you have some experience in digital marketing, this is a quick business to start. Your expertise is your product, so all you really need is a computer. Even if you do not have a background in marketing, digital marketing can be quickly learned. Set aside a few weeks and identify some online courses and reading material and you can learn the basics.

Probably the best thing about digital marketing is that it’s continually evolving. New patterns are continually arising. That means you’re probably going to be on par with someone else in terms of knowledge on a certain new trend. That represents an opportunity for you to specialize in something and pitch yourself to clients. 

Consultant 

As a consultant, you can give advice on a certain subject area to businesses in need. There are heaps of various sorts of advisors: business, protection, plan, and so on. Pick an area that you’re acquainted with or possibly are intrigued enough to find out about. You’ll have to have a sensible measure of information so you can offer your customers guidance that applies to their particular realities. 

Consultancy is a low-cost, high-profit career and that’s part of the beauty of it for many people wanting to start a small business. 

What are you waiting for? 

We’ve given you some ideas. Now it’s up to you to get inspired and run with it. Small businesses are vulnerable to risk, but  insurance provides a layer of protection for your business. Click here to know more about different business insurance options for your small business.  

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. 

References 

Entrepreneur Handbook (2020). 100 business ideas you can start today. <https://entrepreneurhandbook.co.uk/100-business-ideas-start-today/> 

Business News Daily (2020). 25 Business Ideas With (Almost) No Startup Costs. <https://www.businessnewsdaily.com/5767-business-ideas-low-cost.html>