Category: Legal Branding

The Enhancement in The Credit Score Gained by Strategic Acquisition of Credit

Steven on January 24, 2019

This is a guest post by Marina Thomas The credit score is the number that determines the credit position of a person. People who have taken credit and have maintained and are maintaining multiple credit accounts efficiently with timely repayments are known to have good scores which help them in getting new credit without too many hassles. However, if the credit score of a person is at the lower end then credit will be available but the options will increase severely, and the rate of interest will rise significantly. While calculating the credit score 10% of that score is dependent upon the credit balance that one possesses. Therefore it is understandable that if a credit score is to be improved, then the avenues and amount of available credit has to be increased.

The actions that can be taken to improve credit by exploring credit avenues

Building up the credit amount is vital, and it will also help in resolving the existing problems that have affected the credit score of a person. The below-mentioned steps will provide a person with the necessary information needed for deciding upon a pathway for building credit:

Acquire new credit:

If a person is interested in enhancing the credit score, then the first important thing that is needed is to have credit because without taking any credit one cannot hope to get a credit score. Many lending agencies might not agree to provide credit to a person who has no previous credit record. Therefore it is better to build one’s credit report bit by bit by taking new loans in a sensible a calculated manner.

Select an appropriate credit card in the initial stage:

Acquiring a credit card, in the beginning, might seem a bit difficult for individuals who are not well acquainted with credit cards, but some companies specially formulate credit cards for first-time holders. These credit cards are also termed as starter credit cards. The starter cards usually offer a considerably low credit. For initiating the line of credit, it is a good way, to begin with, a relatively small amount of loan. However one should not choose just any kind of initial credit card because whenever it comes to credit building, it is important to remain alert and do a bit of research. The credit card should satisfy the condition of providing a small credit amount but also needs to have a relatively moderate rate of interest. High rate credit cards are to avoid as one needs to get used to the rhythm of credit taking and solving before moving on to the other areas of credit acquisition. In this regard, a person can also opt for a secured type of credit. These credit cards allow a person to invest a certain amount and this amount is converted into the credit that is provided to the cardholder. There is no need for any credit to forward an application for such credit cards and interest is also nil,this is a huge advantage for a person who is beginning to build credit. Hence there are ways to increase your credit score by 200 points, but no hasty steps should be taken with credit gaining as it will do more harm than good.

Reining the credit taking attitude

In the initial phase, it is very important to keep oneself grounded and control the urge of taking a huge credit from one or more sources. The sudden taking of massive credit can cause many problems like a high balance which will lower the score of a person. Therefore potential issues should be eliminated by keeping the risk appetite measured in the starting phase so that one gets to know about the credit field meticulously and builds a good credit before venturing into risky prospects of taking enormous credit.

Build the credit score by being punctual about loan payments:

Whenever credit is taken, it is understood that a loan has been acquired which has to be repaid according to the terms and conditions of the credit providing company.Accounts that are new should not be converted into debt accounts by being slack with the payment procedure. The presence of a loan will impact the 10% of the score, but if the same loan is not repaid, then it will negatively impact the score. Then the task will become two-fold one is to elevate the score and another is to solve the debt. Therefore being extremely diligent about all kinds of payments is very necessary. If payments are done timely from the very beginning, then the credit score will also move upwards quickly.

Using multiple sources for constructing the credit line:

When a single source of credit is used when the score is not very heartening but when multiple credit avenues are being used, then it will positively impact the score. Small loans from banks or other sources might be a good idea for diversifying the credit taken. However, care should betaken so that too many loans are not taken in quick succession because that also means that the payments have to be made together which might get tricky and make a person land in a puddle of debt.

Keeping track of the cards and upgrading to better cards:

Multiple credit cards are used by many, and initial cards with low credit balances do not offer any discounts. Therefore when a person has learned to manage credit effective mannerly then choosing a better card that has multiple benefits is sensible however it is also important to check the balances or credit taken in each card regularly. Having a credit card is like having a financial responsibility to the credit taken should be measured and tracked so that repayments are done. The benefits offered by different credit cards should be applied sensibly so that the person is in a painful position. Therefore there are ways to make the credit accounts impact the credit score, but all steps that are taken for increasing credit should be taken with extreme caution and care.

Author Bio

Marina Thomas is a marketing and communication expert. She also serves as a content developer with many years of experience. She helps clients in long-term wealth plans. She has previously covered an extensive range of topics in her posts, including business debt consolidation and start-ups.

Legal Branding

Ways To Get Approved For A Personal Loan For Debt Consolidation

Steven on January 23, 2019

Just like anybody, you too may know that credit card debts are the high-interest loans. Most people have multiple credit cards from multiple issuers and use them at several instances, all of which may not be logical enough for proper reasoning. Therefore, it is easy and very common that people will have multiple credit card debts at any given point of time. Each of these debts carrying high interest will make the repayment aspect a bit confusing, complicated and even impossible at times.

If you too experience such a situation, you may have to seriously consider taking out a personal loan to consolidate these high-interest debts. Just like the credit cards, personal loans are also offered by several banks and credit unions. Using these personal loans prudently you can either consolidate or refinance your debt transforming it into a loan of lower interest and with a single fixed monthly payment.

There are several benefits of taking out a personal loan from a bank to consolidate your multiple credit card debts making a viable option but there are a few disadvantages of it as well that you should not overlook. Few specific types of personal loans may carry higher interest rates as compared to any traditional mortgage or auto loan.

It is therefore required for you to know the best ways to increase your chances to get fast approval of your application, should you decide to pursue a personal loan for debt consolidation.

Type and amount of loan

First, you will need to decide on the loan type you want to be given the fact that there are primarily two main types of personal loans namely, secured and unsecured.

Secured loans are those for which you will need to pledge collateral security to get approved. This collateral security can be your car or your house and this collateral can be possessed by the lender in case you default in making your payment. However, the fact that you have to put up collateral for it, these secured loans usually have flexible and looser requirements for eligibility such as a low credit score, greater borrowing capacity, and a lower rate of interest.
Unsecured loans, on the other hand, do not require any collateral to avail. Ideally, the loan providers based on your ability to repay and creditworthiness to grant you such loans. Therefore, you will need a higher credit score to get approved and get a higher interest rate than secured loans.

To get fast approval to be sure about the loan type you may be eligible for before you apply.

The amount of money you want to borrow will also influence your loan approval process and speed. You must know how much to borrow before you apply for a personal loan. For this, you will first need to tally up the amount of the existing debts that you want to refinance or consolidate. Knowing your amount and personal loan requirements will help you avoid asking your lender for an exaggeratedly high amount.

Procrastination and credit

When you want to deal with your debt you will need to act fast. Procrastination will not only make things complicated with regards to your debt but will also make your financial future bleak. It will also make things harder when it comes to processing your personal loan application down the line. You may even lose your confidence in taking it out and in your ability to pay it back.

You must also know your credit before you apply for a personal loan so that you are sure to get fast and positive approval. The state of your credit will matter most significantly in the approval process of your personal loan application. Ideally, it is recommended to check both your credit report as well as your credit score from the credit bureaus at least once a year. When you check your credit score make sure you:

Check it with all three credit bureaus for free
Closely examine the report for any negative or improper information that may hurt your chances of loan approval
Dispute any errors you find in your report and have it removed from the credit report and
Get two of your updated credit scores for free.

Before you apply for your personal loan make sure that you do everything possible to improve your credit score if you find it to be too low for fast approval.

However, you may also take help from Nationaldebtrelief.com if you are in ominous need of debt relief and do not have any time to wait for your credit score to improve.

Find a suitable lender

Your choice of the personal loan provider will also influence your loan approval process. Therefore, research well to know who you should apply for a personal loan in the first place because all financial institutions are not created equal. Remember a few points to follow when you research search as:

Shop around for several lenders to compare loan terms, amount, rate, and quality of service
Do not only rely on and resort to banks but look for other credit unions as well
Know the requirements of each and choose the one that needs minimal documents and is most likely to approve your loan application
Do not finalize at the first offer
Review the fine prints and consider all other options.

Lastly, create a checklist once you are ready to go ahead with your personal loan application. Include all the documentation that you will need to provide the loan provider. You may also have to meet your creditors as well as your employer and other people to collect all the documents required. Therefore, devote some time to know about the requirements and make sure that the documents are complete in all respects and authentic.

Remember, incomplete applications may result in an immediate rejection. Lastly, before you apply to remember that debt consolidation will make sense only in certain scenarios. Therefore, understand the total cost of the personal loan to the current debts to make it the right choice for you.

Legal Branding

Debt Settlement Based Affiliate Programs With Back End Processing Are Growing As Business

Steven on January 21, 2019

The debt settlement program under the affiliate notion is money up front based payment structure. With all the new regulatory laws, a debt settlement based affiliate advance fee model is no longer anything of the past. There are two major pluses of such program as it will allow the affiliates to get paid faster than the higher commissions. This will allow the affiliates to just cover the marketing cost easier and also continually feed some quality leads agents. You can further check out some information on debt settlement ratings, which will act right in your favor as well.

Reasons to join the debt settlement based affiliate program:

There are so many points, which will set the debt settlement based affiliate programs completely different from other options you have come across. The proper starting place over here is going to be back end processing and even the commission payouts right now. You should learn more about the program before the matter gets really out of your hand over here.

More about the program and customer service:

The affiliate programs are primarily designed for those firms which are currently related to the debt settlement industry. It is also for those firms, which are not quite receiving good processing, servicing and proper and fair commission.

The program is mainly designed around to offer you with the finest in such key areas as just mentioned. They are also quite focused on providing clients with some best relief and greater customer service right now.
The primary customer service as provided to the affiliates will bring in some client satisfaction and will keep the affiliates retention at a high rate.
Anytime the client as question during the business hours, the friendly customer services reps will proof to be quite ready to help.
Clients are not going to be passed through the automated menu and menu for getting through the live agent. They are likely addressed to speak to one of the knowledgeable and friendly representative from the moment they are connected through the program.

The commission structure related to the affiliate program:

At the current debt settlement affiliates, the teams are able to offer you with the best and finest possible settlement based affiliate program and proper business opportunity. This is going to be the opportunity where affiliates get the chance to grow and then thrive. Here, they can get the chance to become leaders in the current debt settlement industry for sure.

The high affiliate based commissions will allow the affiliates to easily catch up with the pay marketing costs and even that of the agent commissions.
It will help the affiliates to come up with some high profit margin and grow the company in an exponent manner. The focus over here is more than just adding affiliates and that is to help the current affiliates to just grow.

Dealing with debt settlement processing:

The debt settlement processing will definitely bring client satisfaction and some higher client retention. The most reliable companies are able to offer you with so many affiliate programs like debt help, debt relief, debt negotiation and even debt management programs. They have special packages under debt reduction and even debt consolidation based affiliate programs. The companies are known to provide their affiliates with the best right in back end based processing associated with private student loans, consumer debt and even business debt in question.

Heading towards pay per lead:

There are some selected companies, which are not going to offer pay per lead programs like the others in question. It is mainly because the commission on the current pay per lead program is rather low. When compared to any of the affiliate shared commission program, this current pay per lead option ways quite less, and even less than half. This current pay per lead pay structure might cause the affiliates to just fail. The procedure might not work well as the commissions are rather too low for covering the agent and marketing commissions.

Benefits of back end processing and the programs in questions:

Going through the options as mentioned beforehand might actually attract you to come towards this debt settlement based affiliate program and try your luck in winning some bucks. But before any of that, you might want to take some time out and learn more about the benefits of the company’s back end processing and program, just to be sure.

The system remains effective and unique:

The reputed companies are able to use one proprietary based bulk settlement system right on the back end for getting clients the lowest possible negotiated settlements as you could have asked for. It is no doubt to state that this is one major factor for maintaining higher client retention. The clients are here to get results and if the results get better, the harrier will be the outcome. The programs are mainly designed to bring in some fast relief by just meeting and then exceeding the expectations of clients.

Customer service is rather unsurpassed:

The clients are here to receive exceptional customer service, right from start till end. It is just as vital as consolidating debt into one lower payment. The concerns or questions of the client need to get answered or professionally addressed. Not working on that might bring in some dissatisfaction, which will finally focus you to lose clients. For such a reason, the debt settlement programs are likely to go just beyond back end processing.

You can place some proper emphasis on client relations with the help of exceptional customer service. Even when the client is not being courteous, the customer service is definitely going to rep to be courteous. All these service reps are deemed to be knowledgeable and professional about various aspects of service.

Once you start being a part of these affiliate programs under the debt settlement section, you will come to learn about it a lot more. Things will definitely work out in the way you could have asked for.

Legal Branding

Basics Of Banking Allows To Create Lot More Through Loans Than Deposits

Steven on January 17, 2019

You may be surprised to know that loans can create a lot more funds for any economy than deposits. You may tend to think how a loan can create deposits when money lending is actually giving away money from the depositor’s accounts in the banks. Well, there is a lot of economics behind it. It is true that giving away new loans create a new liability for the banks but at the same time, it also creates new assets in a roundabout way for the banking systems. It is complicated and needs a deep insight into it to know about science and economics.

The fact is that when a bank makes a loan to a borrowing customer it simultaneously creates a new credit and a new liability for both the borrower as well as the bank. In this process, the borrower is usually credited with a deposit in the account. This, in turn, incurs the borrower with a liability for the amount borrowed from the bank.

The bank on the other hand now has a new asset which is equal to the amount of the loan given out to the borrower. This asset is equal to the liability of the deposit account.

Capital and reserve requirements

There are four separate entries made for such lending that signify an increase in the corresponding categories. These entries say that the assets and liabilities of the bank, as well as that of the borrower, have grown.

At this point, simultaneously two more different types of liabilities are created as well. There is a reserve requirement created as well as a capital requirement. However, these requirements are strikingly different from any standard financial liabilities because these are all regulatory liabilities.
The reserve requirement is created when the bank creates a deposit which is, in turn, an indicator of the bank’s liability and on the other hand a capital requirement is created when the loan is issued which is actually the asset of the bank. This is because the bank expects that it will get back the amount lent along with something extra in the form of interest.

To put it in simple terms, loans heal to create capital requirements but deposits create reserve requirements for the banks.

The lending principle

If you want to have a fair idea about the lending principle, you can visit the official websites of banks and other financial organizations such as https://www.libertylending.com/ or any other. Ideally, the working principles of banks are regulated by the government and are slightly different from the working principle of private money lenders or any non-banking financial companies. As per the rule, banks need to retain some amount of its deposits as a reserve and the percentage is regulated and revised by the government from time to time depending on the present economic scenario. There are a lot of technical requirements by the regulatory authority to calculate this reserve requirement percentage.

To keep the calculations simple, assume that the reserve requirement is 10 percent, which is much higher than the actual percentage. This means that the bank invites a reserve obligation of $10 for every $100 deposit that it takes on. Moreover, as loans create more deposits, it means that a loan of $100 will create a required reserve liability of $10.

The capital ratio

In order to find out how well a bank is capitalized, the government has formulated Tier One and Tier Two Capital ratio. This combined ratio also has complicated angles to measure the eventual capital requirements.

However, to keep the calculations simple and make it easy for you to understand, if the above rate and examples are followed, then the bank loan of $100 will once again give rise to a governing capital liability of $10 for both Tier One and Two Capital.

Taking all these things into consideration, you can now clearly understand that a $100 loan has created a $100 deposit which is actually a $100 asset for the bank in the form of a loan.
, On the other hand, it has also created a liability of $120 that includes the deposit as well as the requirements for reserves and capital.

The process explained

For a common person with limited knowledge of economics and finance, it might seem to be a bad deal for the bank. On the contrary and after a deeper look into the matter you will find that it is not so bad a deal after all.

Suppose that a bank starts off from the scratch and lends $100 to a borrower by crediting the deposit account of the borrower with $100.
The next step of the bank is to figure out immediately the effective ways to meet the two new liabilities hence created namely the capital requirement and reserve requirement.
The bank may have to sell shares to raise the required $10 capital or it may even retain earnings or raise equity-like debts.
However, the best way for the bank is to charge the borrower an origination fee of 10% to create earnings immediately.

The last option is practiced by different banks to help them settle their desired capital requirements with this $10 fee that can be kept as their retained earnings.

An extraordinary way to create deposits

Ideally, a person asking for $100 loan may be offered $90 or even $80 by the money lender depending on their business policy. It means that they instantaneously create a deposit of $10 or $20 as the case may be when they create a loan account of the borrower. It, therefore, corroborates the fact that loans create deposits.

This is actually extraordinary to meet the capital requirement by discounting and creating a deposit from its own loan. This is the own money creation power of the banks and the money lenders. The eventual effect of it is that it reduces the liability of the bank but does not reduce its asset.

Author Bio

Daniel Ng is a freelance writer who has been writing for various blogs. He has previously covered an extensive range of topics in her posts, including business debt consolidation, Finance, E-commerce, and start-ups.

Digital Branding Legal Branding

How is Sitecore helping in putting the customers before products and sales?

Steven on January 10, 2019

Are you thinking of reinventing your customer engagement and reinstating your digital marketing approach? When you are competing with hundreds of reputed and popular brands online, you need to think beyond product quality. Any company that wants to retail online has to focus on their digital commerce architecture. It is nothing new, but it can be a ground-breaking concept for your sales. It can form the foundations of your online retail system.

All the online content a website has depends on its e-commerce architecture. Therefore, you must pick the right CMS to power your site. There can be several approaches to designing and maintaining an e-commerce site. That makes selecting one architecture among the many available ones challenging. The three most effective architectures include experience-led, commerce-led and API-oriented methods. What kind of architecture would you pick to power your digital retail platform?

Why should you revisit your site’s customer experience features?

Research shows that customer-experience oriented e-commerce architectures are most effective. However, the concept can be new to many. A digital experience platform (DXP) powers the customer-experience oriented architectures. It is important because this form of architecture can create a fully immersive experience for the visitors. It is the only way to amalgamate customer relationship with your brand. You might find the other experiences restricted since they do not share customer data sourced from the content marketing strategies, commerce, customer experience, CRM and ERP engines. It can create silos that do not communicate well with each other. Not paying enough attention to customer experience is a major faux pas that you should avoid at all cost.

In the case of a customer-experience first approach, the DXP feeds all the necessary data to the outside world. While using a DXP, you will enjoy several unique benefits that do not come with other forms of digital commerce architecture. The presence of a DXP enables fine control of the content and accurate content management. Coupling it with personalization can allow you to feed pertaining content to each user. In the event of introduction of new data, you can always set up an A/B test for testing the acceptance and effectiveness of the new content. In short, if you want to enhance your customer experience, adopting a customer-experienced led digital commerce architecture is the smartest way to go about it. It can offer rich experiences across multiple channels including desktops, mobiles, and the Internet of Things.

What makes Sitecore the best option for customer-experience first brands?

Here are a few benefits of leveraging the customer-experience led digital commerce architecture for your site –

It can provide a unified customer experience

Keeping customer data in silos can do no one any good. Your CRM should have access to that data. A DXP led platform like Sitecore can offer seamless and immersive customer experience to all your visitors irrespective of their location and product preferences. Accessing enough customer data in the form of their geo-location, and purchasing history allow the CRM engine to offer relevant products to your customers. Sitecore’s DXP oriented digital platform can extend personalized experienced on Android, iPhone, and other OSx. The CRM and CMS engines can source customer data across several channels including social media, email interactions and land-based POS interactions to perfect the digital marketing strategy of the brand.

Leveraging microservices for customer experience

While choosing customer-experience oriented digital commerce platforms, you need to find out how it interacts or utilizes the microservices. Microservices are 21^st century’s answer to the legacy monolithic services. As their name suggests, the monolithic systems are uniform and huge. They can run several functions that share dependencies throughout the system. Since they are a single and massive system, managing it becomes costly as it grows in size. Adding new features and updates become challenging with each extra step. The primary cause of this difficulty is the tight coupling of the elements on the monolithic system.

As a result, the micro-services dependent architecture is becoming popular. They lack the unnecessary complexity of the monolithic systems. Microservices are self-regulating and easy to manage. Developers can create them by pulling each feature and function in independent subsystems. As a result, it is possible to make changes to one subsystem without upsetting the others residing on the same system. The user sees these microservices as one unified system, but in the background, these subsystems communicate via API calls. In the end, the microservice environment is more stable than monolithic systems due to the successful isolation of the subsystem elements.

Independent microservices make extension and addition easy

When working with microservices, the website developers can leverage the isolation of this architecture for extending each subsystem. It can reduce the amount of testing necessary to develop and run an e-commerce site. It allows the users to iterate quickly and accurately in significantly less time. It makes the digital commerce platform scalable and budget-friendly. It is a unique feature of Sitecore that allows the user to extend the platform and add new features to it without wasting time or energy. Any new trends and customer reactions can get the pertaining site-wide response or single page element response depending on the magnitude of the stimuli. The developer of the website can further streamline the extension of new features to customer experiences across several platforms. When using Sitecore, you can use the digital commerce platform for tracking customer behavior through print ad campaigns, social media strategies, email marketing methods, mobile app interactions, and non-core sites.

Sitecore experience is for everyone

While most of the benefits and information we have provided here are about B2C e-commerce, you can leverage a CMS like Sitecore to create powerful B2B websites as well. Working on customer experience naturally boosts the site’s SEO and helps the target audience find the site on Google search results. The commerce functionality of a B2C platform will differ significantly from a B2B platform, but the underlying digital architecture remains the same. Even with a B2B customer-experience led platform, the content will come via a DXP. However, it will depend on the site manager to fine-tune the e-commerce engine functions including repeat orders, organizational data, and varying pricing and shipping rules.

Digital Branding Legal Branding

Social Media Marketing Advice To Ease Your Mental Health

Steven on November 27, 2018

Using social media in order to market your business may sound like a good idea, but sometimes, doing so can sap away your energy and lead to anxiety. If you find yourself anxious with a sense of dread before logging in, here are some of the ways that you can alleviate these feelings:

1. Take A Break

Though some online sources will have you believe that if you step away from your social media page your business will die, it’s simply not true! Only come back to social media marketing when you feel at ease doing so and can give it to you all. Sometimes, that feeling never comes, and that’s okay, too! There are other avenues in order to reach out to potential and existing clients. In the meantime, allow yourself to recharge by focusing on the more relaxing creative aspects of your business.

The fear of losing clients is real, but do keep in mind that the people who like you will follow you wherever you go. The people that were disinterested or casual dealing with your business were simply never serious in the first place!

2. Don’t Get Overwhelmed

One of the reasons that business owners dread the thought of posting online is simply because they have too many social media pages to create content for according to Chicago based psychologist Clarity Chi. However, one way to circumvent this problem is to become more selective and focus on one or two social media pages that you feel confident working with. For example, some business owners really like how concise Twitter is and it doesn’t need you to post photographs with every Tweet. You can let go of the pressures associated with running online social media accounts by channeling your energy into one or two pages. Most importantly, you can use this time to put more effort into building personal connections with clients.

3. Post Less With Quality Posts

Most business owners make the mistake of choosing to post several times a day in order to get better search engine rankings. Unfortunately, what everyone ignores is that making many posts in one day really just burns you out and in turn, your content quality will start to suffer. Only post when you have something informative to share with clients that they will find helpful.

Does your content matter? Take a moment to consider what you’re about to post, how it can help others, and whether it makes sense to let it go to the public domain. This type of self-reflection gives your content a much-needed boost. Build a network of solid friends equaling a few hundred versus a network of many friends. Numbers do cause undue stress and also make it hard to curate content in your feed that won’t cause depression.

4. Step Back For Creativity

Did you ever notice that the more time you spend online, the more doubtful and competitive you become? When searching through hundreds of feeds and pages a day, it’s only natural to feel like you’re not good enough compared to other people. Take a few days off and go back to the basics of your business. What is it that you love to do? Whether it’s web design or making pottery, get creative and lay the foundation for a better “you”!

5. Be True To Yourself

Authenticity is a word that we often hear, but it isn’t always applied to social media. When you post information online, you have to remember to be as honest as you reasonably can be. You create a persona when you post snippets of your life online, and you want people to connect with you, not just an entity. What causes the most anxiety when it comes to social media is putting up a fake front and acting differently from how you would normally act.

You can combat anxiety by deciding to be true to yourself as well as your brand while promoting your own personal values. Don’t forget that the pressure you put on yourself is the pressure that’s often reflected in your own social media posts.

Former CEO and co-founder of YouTube, Chad Hurley, described the feeling of pressure most people associate with social media the best. He explained that sometimes, you’re most effective when you ignore what others are doing. Many people copy the latest trends and jump on bandwagons without setting their own paths to success. The point is that you don’t need to mimic others when there are so many opportunities out there for you to individually shine.

Not everyone responds to pressure in the same way, but it’s clear that social media is not a one-size-fits-most solution to business marketing. Sometimes, we need to step back to really understand the role that social media plays in our business strategy development. Instead of choosing to follow the crowds, you need to evaluate how you want to proceed with your company’s marketing.

Legal Branding

Put Your Logo Everywhere

Steven on September 29, 2018

Getting your company recognized by your logo is definitely a way to draw up more business. People will come to know the logo and that will give them the opportunity to visit the business or go to the website online. In turn, many of these people will become customers that can make profits soar.

A Logo

A logo will be something specific to your company. You should have someone make one for you if you are not able to yourself. It should be clear and easily recognized. Your logo will give you brand recognition. People will come to know it, and you should put your logo on many different things. Many companies put them on their trucks or other vehicles. Equipment that is being used should also carry the company logo. Letterhead and envelopes are other places that logos should appear. Other great places for them are on coffee mugs and matchbook cases. T-shirts are another place that people notice logos, as well as hats and caps. Getting the most advertising out of your logo is a good idea. You will think of other things as you go forward in your business. Make sure that you also look around at other companies to see if they are doing other things that you can try. Make the most of it so that you can attract the business that you want.

Signs For Your Company

Having the right signage for your events is very important. It can make a difference in how much money you are able to bring in. When your company is planning an event, make sure that the signs are clear and concise. They should be in a bold color so that they can be seen from far away. They should also explain what your company does. For instance, if you are a company that deals with counseling, you will want to have the proper signage up so that people know this is what you do.

Having A Direct Mail Plan

As a company, be sure that you are also sending out brochures and flyers so that you can get the awareness of the people in the community. Make sure that the information is correct so that they will know how to reach you or visit your office. You want to convert these people into customers, so the brochures should be attractive too.

Have A Good Online Presence

Another great thing to do in order to increase business is to make sure that you have a good online presence. Have good, clear photographs and concise copy. Make sure that there are not any errors. You will want to make sure all of the links are working properly. Using good keywords will allow your website to be pulled up in the search engines more. That is what you want so that you can get the exposure that you need.

Sales And Promotions

Every company should consider sales and promotions from time to time. Customers like to save money and receive free gifts. This can bring in more business because they will tell their friends, relatives, co-workers, and neighbors about what is being offered. Many companies have increased their profits by doing these small things. Free delivery is another way they get noticed by prospective customers.

Charity Events

If you want to team up with a charity, this can create a lot of awareness for your company. Make sure that you put the information on your website, and if you are throwing an event, have plenty of refreshments so that people will want to come and contribute to the cause. Companies that do charity events, increase their profits just because they are helping the community. People appreciate the fact that a company cares to assist those that are less fortunate. They tend to give that company a lot of respect.

Knowing how to advertise can make the difference in whether a company survives or not. Make use of your logo. You want the public to become familiar with it. Remember the information above so that you can maximize your company’s potential in the days, months and years to come.

Legal Branding

Why Employers Should Drug Test Their Employees

Steven on September 20, 2018

Drug use in the United States has fluctuated over the years, yet one problem which still arises today is not having a work environment free of the dangers of substance abuse. The problem of drug use in the workplace is still a growing trend and many employers are standing up against the prevention of hiring and eliminating drug-using employees in the workplace through instant drug tests which can be a lifesaving asset for your business.

The Importance of Drug Tests

OSHA (Occupational Safety and Health Administration) statistics show about 75 percent of the current illicit drug users in the United States 18 and older are employed – that is an estimated 10 million people. Statistics also show that on a daily basis, at least 42,000 Americans come to work under the influence or even getting ‘high’ while on the job. With marijuana being the most commonly used drug and being legalized for recreational use in many parts of the country, we anticipate the number of drug users in the workplace to only increase unless business owners stand up against hiring any drug user or by cleaning up their current list of employees by enforcing a drug testing procedure in their business plan. The burden of drugs in the workplace will get worse if employers do not take extra measures to protect their businesses to screen new and current employees. It is already estimated that businesses lose approximately $100 billion each year alone from problems arising from hiring a drug user. Not only should drug testing be integrated into the hiring process, but it should also be done every couple of months for pre-existing colleagues. If you’re unsure of which products are best, it’s definitely worth researching various drug test kits, but products similar to the 10-panel drug test are great.

The burden and costs to business owners of hiring a drug user in the workforce include:

Higher missing work rates
Higher accident rates
Higher turnover
Less quality and productivity work

Keep the Workplace Safe One Employee at a Time

Drug use can impair one’s judgment, give slow reaction times and is just plain out dangerous and a liability nightmare for some business owners. For some businesses, it can be more of a liability to have a drug user as one of their employees, such as factory worker in charge of an assembly line or an employee who is driving on the job making errands or deliveries, can be disastrous in terms of liability and safety. By incorporating a drug screening plan, your employees are looking forward to staying drug-free and you are helping your business avoid those small mistakes which can cause an accident and lead to serious injury or even death. It’s important for employees to be fully cognizant while on the job and that’s why we’ve incorporated an instant drug screening device to help you and your business.

Employee Performance

Employees under the influence of drugs may struggle to stay on task, come in on time or even do the job right. At the end of the day your business will struggle should you be allowing employees who use drugs in your workforce. A common instant use drug test allows employers to target a strategy to exclude those employees who aren’t reaching their full potential due to illicit drug use, removing weak links and improving their company’s performance by eliminating the weak link. At the end of the day, it’s about your business and you need to protect your asset by only hiring viable workers who can show up on time, do the job as described and aren’t a liability for your company.

Turnover Rates

One of the more common issues is any small business is the amount of turnover rates. By prescreening your employees with an instant use drug test as part of a pre-employment procedure, you are opting in possibly saving your business thousands in extra labor costs in terms of the hiring process, training, and work placement. As big as a problem as turnover rates are for many small businesses, instant use of drug tests are a simple way to reduce the problem prior to any employment agreement between the possible employee and your company.

A Drug Test Made for Your Business

There is no denying that workplace drug testing offers a careful way to establish the truth of someone’s drug use and as a protection, many business owners have opted in using drug test procedures to screen their new hires and current list of employees. In situations where the employee has a responsibility for the safety and/or welfare of others, and the employer has a responsibility to ensure the employees’ competence is viable for the job, is a strong argument for workplace drug tests to be carried out for both liability and productivity of the business.

However, if a workplace drug test procedure will be carried out, there are some basic ethical principles which need to be taken place to avoid any violation of the rights of the employee.

These include, but are not limited to:

Consent: Current and upcoming employees should know, ideally prior to taking the job, that drug abstinence is an expectation to fulfill the job at hand, and the workplace drug test is a planned occurrence in the business and mandatory requirement prior to being hired.
Confidentiality: People’s privacy must be respected, including whether workplace drug testing has taken place as well as the result.
Disability discrimination: An applicant or employee who is taking medication for a disability is protected by the Americans with Disabilities Act (ADA). Prescribed medications may turn up on drug tests, and some drugs that would otherwise be illegal (such as opiates) are legitimately prescribed for certain conditions of users with conditions which are prescribed by a doctor. If an applicant is turned down because of a positive drug test, and the applicant’s medication was legally prescribed for a disability, the company could be liable.
Repeat tests should be conducted when a workplace drug test is positive, and your employee should be given the opportunity to explain a positive drug test result to avoid possible discrimination or false positive test.
Provide resources on addiction counseling and/or rehab for those who are positive on a drug test.

Beyond the immediate financial impact of reduced quality, productivity, and strict liability caused by drug users in the workplace, there is also the long-term risk of losing market share due to a competitor or a loss in business reputation and credibility. With review sites such as Yelp, Google and Angie’s List to name a few, whatever happens even as a one-time occurrence may have a devastating effect on your business for years to come.

By taking the necessary step to protect your business today, you will reduce a great deal of risk by mandating a drug test on a regular occurrence in your HR department hiring process and current employee roaster. As an investment towards your business, the drug test itself is a minimal cost compared to employing a drug user.

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Disclaimers

*Consult with your local state jurisdiction for further laws on state municipal codes regarding employee drug testing. This website or contents within are not listed as legal advice.

Digital Branding Legal Branding

Reasons Why It Is Mandatory to Employ the Services of an Expert Graphic Designer

Steven on September 19, 2018

A professional graphic designer is an asset to any business. However, some business owners are unable to understand and appreciate that employing the services of an expert graphic designer would have a positive impact on their business and that they could achieve business success with their help. Many business owners are interested in cost cutting and they feel that using stock images, logo online creator and even charts, and graphs from Microsoft Excel are enough to create an impressive graphic design. This is definitely not true and is actually, an opinion of people who do not have any knowledge or idea about the responsibilities and role of a qualified graphic designer.

Understanding the Role of a Graphic Designer

A graphic designer plays a pivotal role in the success of your business. He is a professional who is known for creating and assembling pictures, motion graphics, or typography with the objective of boosting your business’s aesthetic appeal. They could help your brand to steal the show, make your brand appear really more polished and professional, and expose your products to brand new audiences. Here are some of the reasons why a professional graphic designer must be hired.

Getting Ready for the Future

Today’s restless young audience is increasingly suffering from attention deficit or consistently decreasing attention spans hence, marketing messages require being delivered fastest possible and visuals or images are the best possible way of doing that. With the mobile technology becoming more and more popular, the larger screens of laptops and desktops are losing their significance and modern audiences have no time to invest in reading your marketing messages. You have to realize that the future of all marketing campaigns is reliant on images and visuals. If you need professional graphic design solutions, then you may get in touch with Tayloright.com.

Moreover, wearable technology is no longer a work of fiction. Today this path breaking technology is prevalent and so screens are gradually getting smaller. In this present scenario, a graphic designer comes in handy. He would have sound knowledge to efficiently adapt digital marketing endeavors to diverse screen sizes. He would be playing a critical role as technology evolves. A graphic designer would be ensuring that all your infographics, images, videos, and visuals are of top quality and unique so that Google regards them as quality content.

Giving a Boost to Your Brand

For businesses that face stiff competition, it is essential to opt for top quality branding. They require standing out from the rest and so high-quality branding would be required. Your business logo, your website layout, and marketing materials, your chosen colors and fonts would be helpful in creating the first image or impression among the customers. Only a professionally qualified graphic designer could be manipulating these elements with expertise so that the customers are able to perceive you the way you actually are. A good graphic designer helps to create a robust brand. A strong brand would be a memorable one that would leave a long-lasting impact on the customers’ minds. It would be building trust and getting positive referrals from happy customers. A weak brand would be forgotten in no time.

Saves a Lot of Time

A qualified graphic designer would be creating appropriate designs for your brochures, logo, or even PowerPoint templates. A graphic designer could create a design in almost a quarter of your time.

Conclusion: Makes You Stand Out of Competition

A graphic designer would be creating a distinctive brand that would be raising your business much above your competition. You must not initiate your business in the wrong direction. Consider making a lasting impression with the perfect logo and most appropriate marketing materials. Employ the services of a competent graphic designer right from the word go.

Author Bio:

Maria Jones is a graphic designer and a passionate blogger based in Boston. She is extremely familiar with the digital marketing scene, and also she recommends ace services such as Tayloright.com on her blog.

Legal Branding

What to Do Before Filing a Personal Injury Case

Steven on September 18, 2018

If it’s your first time getting a very serious personal injury that another party is liable for, you might be wondering what you should do to file a personal injury case. Here are the essential steps you should not forget before you file a personal injury claim.

1. Preserve all evidence

Having evidence of your injury will help strengthen the case so make sure to collect as much of it as you possibly can. File a police report and get copies of it to provide to your lawyer. Take photos of the accident, your injury, and the damaged property, if you still can. Gather copies of medical documents and treatment plans from your doctor.

Also, if you have any witnesses, get their information. In addition, you want to keep records of the income you lost due to missing work. It also helps to keep a written account of the injury while the memory is still fresh in your mind.

2. Get medical treatment and follow your doctor’s advice

The first thing you should do after getting into an accident is to go to a doctor. If you fail to do this, your claim could be drastically reduced. Then, make sure that you follow your doctor’s advice religiously. That means taking medication as prescribed and undergoing treatments and required tests.

If you neglect treatment, you could weaken the value of your case. The defendant’s lawyer will argue that because you only needed minimal treatment, you don’t deserve to get the settlement you’re asking for.

3. Get off social media

Or any public platform where your opponent can potentially find the information they can use against you. Defense attorneys of personal injury cases will scour the internet for any dirt they find proving that you may be exaggerating your symptoms. To be on the safe side, refrain from talking about your personal injury with anyone except your lawyer.

4. Get a good personal injury lawyer

The importance of getting a skilled lawyer cannot be overstated. It doesn’t matter how prepared you are. If your lawyer does not know how to present your case in court, you will get a poor settlement. Make sure to pick your legal representative wisely. You want one who is deeply involved with your case rather than someone who will just pass off your case to a junior associate.

One such firm that understands the importance of personalized service is The Sanders Law Firm. They have handled thousands of personal injury cases and are very well experienced in obtaining compensation their clients deserve. Whether the injury was acquired due to a car crash, defective product, or a dangerous workplace, their lawyers can help get the best outcome for you, especially when dealing with tough insurance companies.

5. Be prepared mentally

Filing a personal injury case is not as easy as showing medical receipts and walking away with your settlement money. Remember, insurance companies do not just pay out willingly. If you ask for a settlement, it is in their best interest to try to reduce the amount, if not, legitimize it. This can be frustrating and stressful on your part. Having a good lawyer around you can make things easier as they do all the heavy-lifting making sure that you win the case.

There’s quite a lot that you should do before filing a personal injury case, but you must remember, to not let it linger longer than you need to. Depending on the state you are living in, there is a certain window of time for when you can file a claim. Find out yours based on the state you are living in and make sure to perform all the steps above before the deadline.