Home sticky

5 Inexpensive Ways to Get Your Business Noticed


In order to attract customers, it is important for a business to stand out. For small businesses or those just starting out, this can seem daunting. The marketing budget may be small, and the need to get noticed can be large. Fortunately, however, there are inexpensive ways to promote your business.

Custom Bookmarks

One way to help your business to stand out is with custom bookmarks. Add your business’ name and logo; perhaps, add a memorable and appropriate quote as well. This particular business promotion idea is, of course, especially useful for businesses dealing with books.

Custom Stickers

To help your customers to get “stuck on” your business, a custom sticker from some place like Canada sticker printing is a creative and inexpensive option. A colorful sticker can help to convey a sense of fun to potential customers. A custom-shaped sticker can provide a helpful visual cue regarding your business’ focus (i.e., a dog-shaped sticker for a pet grooming business).

Social Media

It is difficult if not impossible to ignore the power of social media in today’s world. That is why it is important for a business to have a presence on one or more social media platforms, which allows for easy access to a wide body of potential customers.

A Booth at Local Events

More costly than the aforementioned options, a booth at local events can still be a fairly inexpensive way to get face-to-face with potential customers. A booth at a local county fair, business expo, or other event can offer a way to make connections.

Custom T-Shirts

Say it with a shirt. Whether employees are wearing them or customers are, a t-shirt with your business’ name and/or logo serve as a moving billboard. A colorful t-shirt can be eye catching for potential customers.

Should you use a private company when applying for a tax ID in Ohio?


For anyone applying for a tax ID in Ohio, the decision eventually appears whether to apply for an Ohio tax id via the government’s website or to use a private company to get the tax number.

This is nothing more than a private choice, as both options will get you the tax ID in Ohio that you need. The government option is free, however, while using a company will cost a few dollars.

How fast are both options? — Even if you apply via a private company, who then submits your application to the tax authorities, the time frame from submittal to approval is around the same. In most cases, around a week from beginning to end.

How easy is the application process? — Both ways of doing it are relatively easy. The only difference between using the government’s own website, and using a company site is that the latter options tend to have simpler instructions to understand.

The same information is required on both sites, though, so it really is just a personal choice of which you believe is the easier option.

The best way to make the decision is to read both websites, and then decide which you think would take you the least time to complete.

Is using a private company safe? — As you do have to submit personal information, including your social security number, you want to be sure the company you use is reputable and safe.

This can be done by doing research on the company’s reputation, either on the Better Business Bureau’s website or by reading what has been written about the company by other users online.

Once you have found a reputable company, compare their fees with other similar companies, and choose the one that is safe and affordable. You should receive your tax ID in the mail within a week.


Applying for an Unsecured Loan


Obtaining an unsecured loan is one way of financing your projects and activities, which seem to be out of the budget. Often, unsecured loans are borrowed funds that you receive without collateral; instead, the credit is supported by the creditworthiness of the borrower. Besides, the income and wealth of the borrower define the eligibility for the loan. Getting an unsecured loan in 2019 can help you manage the financial gap you are likely to have. Individuals faced by uncertainties and emergencies can benefit from acquiring the loan. Besides possessing numerous advantageous on the part of the borrower, unsecured loans contain various critical elements. The collateral nature of the loans causes them to be more costly than the secured loans. However, specific components help individuals obtain unsecured loans at the best rates possible. Here are the tips for accessing cheap and unsecured loans.

You should enhance your credit score and seek funds from credit unions

Once you speculate that you will require an unsecured loan in the future, you should work on improving your credit score. Often, you can boost your score by engaging in various financial operations including settling your debts and clearing balances on your credit card. You should also keep off from obtaining new credit cards within that period. Most importantly, you should ensure that you maintain the right entry of the credit report. You should note that you will have numerous loan options if your credit card history is fascinating. Another strategy entails seeking fund from credit unions, which require you to be a member before receiving loans. A credit union is a non-profit organization that presents requirements such as group affiliation and geographic necessities for membership eligibility. Being non-profit, the institutions are less interested in making profits thus holds minimum charges for unsecured loans.

Avoid Unsecured Loans Whose Terms are Unfavorable and mention your loan repayment conditions

Another essential tip you should consider before borrowing funds include analyzing the lender’s terms and conditions. The most identified instances of unfavorable terms occur in some banks. These financial institutions require you to first open an account before granting you access to the loan. This element is quite unfortunate because, upon delay, the financial institution will draft the payments from your savings account. You will know that a lender is legit and reputable if he discloses detailed information concerning the unsecured loan in writing. You should ensure to read carefully before agreeing to the terms and conditions provided. During repayment, you must find out what your alternatives are in case you face difficulties. This gives you a clue of what the lender requires during loan repayment. It also gives you an opportunity to structure your repayment plan eradicating possible hardships during the period. Besides focusing on the terms, you should determine the most appropriate person to borrow. Often, it is recommended that you should prioritize P2P lenders like lending clubs. The lending institutions look at your credit history to determine whether you are eligible for the funds or not. Individuals with excellent credit receive 0% introductory APR periods.

The Drawbacks to Easy Loans


In the United States, many people are living paycheck to paycheck. Even those with substantial incomes often find themselves short of cash by the end of the month. Much of this problem stems from debt incurred from student loans, large purchases with payments such as cars, and credit card use as well as medical emergencies, unexpected car troubles, and other unforeseen issues. All of this can lead into a downward spiral where choices come between making payments and paying for necessities such as food, electricity, rent, etc. People in these dire circumstances often turn to easy loans, especially if their credit scores are low. Easy loans can be described as advance loans, payday loans, and cash loans.

Lending institutions which offer easy loans generally have a very simple application process. The minimum requirements are that the applicant be 18 years old or older, live in a state where the institution conducts business, have an email account, be employed, and have a bank account where funds can be transferred. Approval for a loan can be as quick as 5 minutes. Easy loans are usually one payment loans, with a repayment time frame of a few weeks to a month. At the end of the loan period, the applicant then repays the loan plus a one-time interest fee.

The easy loan program appears, on the outside, to be a valuable benefit to people, especially those who need immediate financial assistance. However, there are several drawbacks and negative aspects of the program. One such drawback is the interest rate. Though it is a one-time payment, the rate can be massive, sometimes greater than 100% annual percentage rate. One institution gives an example of a $200 loan with an interest fee of $35.21. That translates to an annual rate over 400%! If the same loan was provided as a personal loan through a credit union or bank, the interest rate could be as low as 4% annually if the applicant has good credit, and up to 22% annually for lower credit scores. That would mean that a $200 loan at a bank could have a fraction of the fees incurred, even if the applicant took longer than a month to repay the loan.

Another negative aspect of these loan programs is shortened time of repayment. Most terms are only for a few weeks. Ostensibly, this is to give the applicant time to get a paycheck before the loan is due, so that funds will be available for repayment. But if the applicant can’t repay in the time frame, the loan goes into default. Overdraft charges are billed, the loan is often sent to collection agencies, and the applicant can wind up in court. Many times, the applicant has to take out a secondary loan to pay off the first loan, and the situation becomes a vicious cycle. Easy loans appear to be an attractive way to get money quickly, but people soon find out what a terrible trap these loans can be. However, there are of course legitimate companies offering easy loans without taking advantage of their customers. These can be difficult to find so make sure to do your research (see easy loans NZ, for example).

My Favorites

Should you use a private company when applying for a tax...

For anyone applying for a tax ID in Ohio, the decision eventually appears whether to apply for an Ohio tax id via the government's...

The Essentials of Investing

Understanding Settlement Risk