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Digital Branding

The Definitive List Of The Best Blogs To Follow In 2021

Blogging has become one of the very common occupations worldwide. From its appearance in 1990, its usage has been changing, so today blogging has grown into a platform used by millions of individuals. It is important to be in the loop with the latest trends so that you’re not missing out on any opportunities. In order to keep you in touch with the most important and useful blogs, we’ve made this list for the year 2020.

1) KVColor

KvColor is a Digital Marketing Firm having years of experience assisting companies to reach their branding goals as well as financials. Over the years, they have worked with various organizations and new startups. Some of their clients have presence international or some have strictly focus on a local clientele. KvColor has delivered the results our client need. They generate your business by making a presence in the local market, nationally and internationally.

2) Digi12

Digi12 is AI-First Digital Marketing Agency, that helps Startups, Small Businesses, and Entrepreneurs grow by taking an Artificial Intelligence & Data-Driven approach to Digital Marketing.

3) Planable

Planable is a collaboration tool for social media managers and their clients, making it easy to plan, visualize, discuss, and approve social media posts.

4) Wallet Squirrel

Wallet Squirrel is an amusing personal finance blog by Andrew Kraemer and Adam Olson filled to the brim with articles, jokes, comics, and anecdotes on finding creative ways to make extra money for the purpose of saving and investing. One of the biggest excuses WHY people haven’t started saving is “I don’t have any extra money to save“. Even those who have saved/budgeted/pinched every penny. So they find hundreds of new, exciting ways to make extra money from driving for Uber, winning money from fitness step apps, to stock photography. All to provide a template for their audience to save and invest extra money for your future. 

5) FirstSiteGuide

FirstSiteGuide is a learning hub that provides all the necessary resources to grow your online business. Learn how to start a blog, make money online, find the most suitable tools for your situation, and become a successful entrepreneur. Moreover, their staff offers online business advice, so you can contact them whenever it’s time to find ways to raise your business to a new level.

6) Peak Support

Based in Cambridge, Massachusetts, Peak Support is a rapidly growing services provider dedicated to providing exceptional support to high-growth companies. They offer a wide array of services including customer support, sales operations, and business process outsourcing. Their global delivery model enables them to provide service from the Philippines and the U.S. They hire the best agents in the business and they are relentlessly dedicated to helping their clients succeed.

7) Yespo

Yespo is an all-in-one platform for omnichannel marketing automation. It delivers professional solutions for both small businesses and enterprises, helping improve marketing performance and efficiency.

Yespo Blog is a multi-focus resource that features content on diverse marketing topics: automation of customer communication channels (Email, SMS, Mob Push, Web Push), contact base segmentation, AI-supported personalization, multilingual campaigns, mobile marketing, website recommendations, dynamic content, API methods, KPI and analytics, etc. The content is organized in various formats (feature articles, Q&A, infographics, expert advice, how-to) and divided by categories for a quick search.

Yespo Blog is a useful resource for any specialist willing to learn more about digital marketing, get first-hand insights into omnichannel strategies, and find out about recent design solutions. Articles are published twice a week which would keep you up to date with all the current news and updates.

8) Broadcast2World

They are dreamers and strongly believe that they can connect people and build trust by telling great animated video stories that are true, and consistent with positive values that bond humanity. As storytellers, they strive to be more responsible and support great ideas that can positively impact our world and spread joy. They dream that if slowly and gradually this world accumulates great ideas, and if we are lucky enough, we would be able to experience a world without borders, a world filled with trust and joy.

9) Techno’s Club

They provide you with tech-related 100% unique articles. Dancing and also Songs can additionally be thought about as an additional type of Enjoyment as songs aids in alleviating your stress and also provides you leisure additionally it provides you a possibility to have social interaction. Another type of Amusement can be Gamings; Gamings are played by someone or by the team of individuals for their very own Amusement as well as it is taken into consideration to be preferred in nearly all age.

10) SatGist

SatGist is a newly launched website that aimed to bring new ideas and sharing information on Satellite tv. Tutorials guide on Satellite tv, IPTV, Phone and Gadget review shall be emphasized. They also specialized in satellite tv software for fixing minor bugs and add more features to the existing devices. SatGist aimed to be the top and most influential website for people across the world and also to help an individual to solve their problem through acquiring skills and knowledge in the field of Technology.

11) Lobster Digital Marketing

Digital Marketing Company in Cardiff specializing in website design, inbound marketing, social media management, email marketing, and more. Lobster Digital Marketing is your marketing department wrapped up in a single agency. You no longer need to procure separate agencies to build your website, optimize it, and market your products. Now you simply employ the services of Lobster Digital Marketing and they’ll handle it all for you.

12) Kate De Jong

Kate De Jong is a former Scientist & Consulting Engineer for fifteen years turned a passionate entrepreneur and business coach. She is dedicated to helping you become a successful business owner so that you can make the difference you’re here to make! She believes you have an important message and contribution to make through your business, and she believes that you can become a highly successful, thriving entrepreneur with the right knowledge, strategy, and support.

13) Digiperform

Digiperform is the largest “Exclusive Digital Domain Specific” training provider in India. It’s a young organization that aims to bridge the huge gap that exists between the industry’s digital training needs and the availability of trained talent by offering hands-on training programs and certifications. With headquarter based in Noida and 40+ centers all over India. In addition, they have worked with a major Indian media company and one IT giant in enabling and certifying their entire sales force in Digital Marketing Concepts under their Digital Transformation Initiative. They provide a lot of texts, about career, marketing, media and so one. One of it is Digital Marketing For Fresher – A Complete Guide, Enjoy your reading!

14) Amaxra

Amaxra is an innovative business and technology solutions firm passionate about building strong lasting relationships. They are driven by their love for technology solutions and leverage their expertise and technology to support their clients’ success and growth. Their customers range in employee-size from less than 30 to large multi-national corporations. Amaxra is 100% women owned and has been a certified diversity business since its inception.

15) CASH 1

Since 1997, CASH 1 has provided hassle-free Installment Loans to people denied by traditional banks and other installment loan lenders. They have many convenient locations throughout Arizona and Nevada. CASH 1 focuses on the financial needs of customers in the community by offering Title Loans, Personal Loans, Installment Loans, Smart Loans, and of course, great customer service. The CASH 1 team consists of over 200 specialized and highly trained employees.

16) Simplitechinformer

Simplitechinformer provides basic and advanced level tech and trending knowledge about technology, internet, and computer for free, and how to get free PAYTM cash, without investment earning, etc. tips and tricks. You can ask a question about your problems request a video. It is specially designed for beginners (who don’t know anything about these topics) they read their articles and watch their tutorials. After practicing you can be specialized in this.

17) CoreHealth Technologies

CoreHealth Technologies Inc. is a total well-being technology company trusted by global providers to power their health and wellness programs. Our wellness portals help maximize health, engagement, and productivity for 3+ million employees worldwide. We believe people are the driving force of organizations and supporting them to make behavior changes to improve employee health is in everyone’s best interest. With the most flexibility, customizations, and integrations of any software in its class, CoreHealth’s all-in-one, multi-lingual, white-labeled wellness management platform helps grow great wellness companies. Simple to sophisticated, based on you. 

18) Techpapa

Techpapa solves its clients’ toughest challenges by providing unmatched services in strategy, consulting, digital, technology and operations. They are driving innovation to improve the way the world works and lives. With expertise across more than 40 industries and all business functions, they deliver transformational outcomes for a demanding new digital world. Their values shape the culture of their organization and define the character of their company. They live the core values through individual behaviors.

19) Blue Cow Marketing

They’ll work closely with you in a 1:2:1 structure to understand your challenges first before they can make any recommendations on solutions for your marketing, sales, and service. Once they’ve identified what is challenging you, they want to know what’s important to you in your business goals. These two key areas will help them make the guiding recommendation of how you will together overcome those challenges and get you to where you want to be in your business. They are a small firm with a big heart and they only work with businesses that have an equal passion for the work they do, and the clients that they serve. If this sounds like you, let’s start by scheduling a connect call together.

20) Agnes a Gaddis

Agnes is from North Brunswick, a small New Jersey suburb. She is a graduate of communications. She has been doing writing and SEO for about eight years, working majorly in real estate. She found out she also loves digital marketing. So, why not mix real estate writing with digital marketing right? Anyway, She writes long-form content on real estate and digital marketing. Her writing style is a mix of conversational and authoritative with a focus on being actionable.

21) GrayCell Technologies

GrayCell is one man’s entrepreneurial vision and over 70 professional’s way of life today. GrayCell really is its people. It has been so when GrayCell was a 3-member team way back in its founding year of 2004, it is the same when its team is a formidable 70 today. GrayCell’s mates come from all walks of life, speak a dozen different tongues, just like the country we belong to. The common thread that connects all of us is our love for technology and the ability to constantly find ways to keep the excitement in app building at an all-time high.

22) SMA Marketing

They help companies across the globe connect with prospects and customers in a more human way. Are you ready to grow? Contact them today.

23) The One Question

The One Question, a SaaS feedback platform, helps businesses around the world grow through the power of Customer and Employee Happiness.

They regularly share insightful blogs that help business owners collect more insight, marketers achieve better results, HR teams build stronger bonds with their teams, and Operations teams improve their products and services.

24) The Mom Kind

The Mom Kind is a Parenting website dedicated to helping parents and families with everyday life. Advocating for Autism & Special Needs.

25) InkyDeals

InkyDeals is a lovable little blob who’s passionate about design and creativity. His daily routine involves searching for great deals with all the resources a creative professional may need. He’s made a lot of friends along the way, because of those big blue eyes and because he’s always there to help you meet deadlines and stack up on quality resources for your personal library.

26) Volodymyr Kuzma

Volodymyr Kuzma is an SEO expert and a certified Google Analytics specialist. He has programming skills (Front-end). He always keeps an eye on modern trends in his specialization, as the profession is very dynamic and the requirements for work change frequently. During his work, he always adheres to his principles, but he does not forget about flexibility, which is very important and fundamental in solving tasks.

27) Whizz Marketing Services

Whizz Marketing is an SEO Company in Hampshire who provides transparent and cost-effective online marketing solutions to small businesses. Whizz Marketing Services in Fleet Hampshire was formed in 2011 by Louise Cranstone who found that many local businesses were finding it increasingly difficult to find new customers without actively marketing the products and services they offer on the Web. The Web is their information highway, it is where they all go to find what they are looking for and with so much information available on-click, it is hardly surprising that those businesses who didn’t make the digital transition some time ago, are now likely to be finding it very challenging indeed to attract new business through traditional methods alone. If you are looking for an SEO company in Hampshire, you have landed on the right website!

28) Tech Crack

TechCrack is a technology blog founded & managed by Romit Sharma. TechCrack is a destination that updates you about the latest technology by providing info on tech news, gadgets, how to’s, apps & softwares, gaming, business, marketing and much more… Our aim is to look for Tech In Every Thing. That’s why we say – Crack the Technology. There are different Categories as ‘Gadgets’ gives you info about new devices, phones, etc., ‘How To?’ category helps you by providing Tips and Tricks on various topics. In the ‘Apps & Tools’ category, you can find reviews of various apps & information on software tools, ‘Business’ category updates on business tips for startups & entrepreneurs who want to get knowledge on business-related topics and ‘Marketing’ category is there for all the marketers to read about different marketing tactics. Therefore, our target is providing you information about everything which relates to tech and we hope you would be satisfied by visiting this blog.

29) Newszii

Newszii finds news that can stimulate your senses. Newszii covers Trending Technology, Product Reviews, FinTech, Blockchain, Lifestyle, Education, Health, Travel news and videos.

30) JoomDev – A Joomla Resources & Tutorial Blog

JoomDev is a Joomla themes and extensions development agency. If you are looking for some really good Joomla resources like extension and templates or Joomla tutorials, you can check JoomDev’s official website or YouTube Channel.

31) Mighty Themes – WordPress Resources & Tutorial Blog

Mighty Themes is the WordPress themes and plugin development company developing really good themes. They recently launched a powerful widget plugin for Elementor page builder which increases the power of your designing tool. You can find amazing resources and tutorials on their official website.

32) RedBlink Technologies

RedBlink Technologies is uniquely suited to revolutionize your business and meet the upcoming challenges in the IT world. Their focus on maintaining and developing the unbeatable client satisfaction platform has created a business culture where each of their associates redeems the best approach every day. Their energetic geeks provide you the best, that genuinely speaks for the work they do.

33) TechDotMatrix

TechDotMatrix is centered on tech-news around the globe. At TechDotMatrix, they believe in taking their readers on a techy ride in topics ranging from the latest buzz in the technology world to the tutorials on how to make our lives simpler using technology.

34) Wakeupsales

Wakeupsales is a user-friendly cloud CRM suited for teams of all sizes. It is popularly used by sales teams across IT, real estate, digital agencies, online travel agencies, consulting, and professional services firms to maintain full control of their sales pipeline, improve deal closure rates & build lasting customer relationships.

35) CAD Pro

CAD Pro is excellent for quick and efficient work. Use Cad Pro daily in your construction office. The software has many options and design tools which accelerate the design process. Designs that would normally take hours with other software can be accomplished in a few minutes while using CAD Pro.

36) BlogDash

BlogDash has been helping brands and bloggers connect since 2011. Focusing on open communication and building real relationships, they created an easy-to-use Blogger Outreach Software platform to streamline communication between PR agencies/brands and bloggers. They, like you, have performed blogger outreach for a long time. They know a lot of time is involved in finding appropriate bloggers, gathering information, engaging with them, and finally pitching them. Their mission has been to simplify this process and turn blogger outreach into a viable PR mechanism for any brand.

37) Legal Reader

Legal Reader is devoted to protecting consumers. We take pride in exposing the hypocrisy of corporations, other organizations, and individuals whose actions put innocent people in harm’s way. They are unapologetic in their dedication to informing the public and unafraid to call out those who are more focused on profits than people’s safety.

38) CloudTalk

CloudTalk is a smart call center solution for support and sales teams. CloudTalk is an intuitive cloud-based call-center system that helps you provide your customers with superior customer support. It doesn’t matter if you have several busy operators or only receive calls occasionally. CloudTalk adapts to your needs and size.

39) Rapid River Magazine

Rapid River Magazine is the oldest and most read arts and culture magazine in WNC. Rapid River Magazine was founded in 1997 with the simple goal of producing a monthly publication promoting the arts while entertaining the reader. WNC holds many cultures and offers so much for those who live there as well as for those who visit.

40) JetRuby Agency

JetRuby Agency is a full-cycle web and mobile development company that’s been in the business since 2010. Their portfolio counts more than 100+ successfully developed projects for both startups and large corporations like GoPro and the Financial Times. They are big fans of Ruby, Ruby on Rails, React.JS, Ember.JS, Node.JS, Swift, Objective-C, Java, Kotlin, Spree Commerce, Solidus, Shopify and many others. Their goal is to help both young startups and mature companies like Financial Times implement their bright and innovative ideas as ultimate digital solutions. With teams competent in most of the IT fields, they are able to quickly adapt to new trends in development. Further, they follow the Agile methodology allowing them to deliver products within the deadline and limited budget.

41) Botsify

They provide a highly customizable platform to their local and international agencies as per their needs – considering you as their core customers. Not only you get to create multiple chatbots for your clients but you can also share it with them, brand them as your own and resell them to your customers.

42) Primaseller

Primaseller is a software product company that enables multi-channel commerce for a retailer. Their vision is to ensure that retailers are able to fulfill the needs of any consumer across the globe through all channels possible and maximize sales in the process. Retailers and online sellers across the world are experts in their trade and in understanding their customers, which is what they would want to focus on the most. Primaseller has been working on the inventory and order-management problems since 2013 in various experiments and models and has come to understand a unifying model for both offline and online retailers. They believe that no order should be missed and every customer, anywhere in the world who accesses you through any channel should be informed accurately of what you sell and how much of stock for that product do you have.

43) Just Entrepreneurs

At Just Entrepreneurs, they’re dedicated to finding interesting ways to champion and support entrepreneurs across all industries. They share interviews, articles, news, and more valuable content. Just Entrepreneurs is the perfect place to find innovative concepts, coupled with expertise from those who are pioneers in their sector.

44) DigiFloor

DigiFloor is the platform that shares information about All-D (all digital). One day when I was busy in solving one minor issue, I spent around 12 hours to find the solution. Lots of blogs, lots of material and so many phone calls!! But I failed to get the solution. It took more than 2 days to get the solution after a number of failed attempts. The problem was very minor and few small tweaks were the solution. This small incidence encouraged me to start a blog that shares such information. There are many people around the world facing a similar problem and seeking help. This is how DigiFloor came into existence.

45) Mike Brennan Art & Design

Mike Brennan is a New Jersey-based designer and illustrator. His artistic journey began as a boy in New York, where he would construct heartwarming greeting cards that lit up the faces of his family and friends. From an early age, he understood the importance of serving others through his art and bringing them value, an ethos still evident in his creative practice today.

46) Know And Ask

They have created a platform to learn something new every day, and if you know something worth sharing, let them also know and spread the knowledge. So Let’s Learn Together! The data available is easy to understand, quality, and it increases your knowledge.

47) MyLocal

They improve your online visibility and online credibility, so prospective customers can find you and like what they see.

48) Jootoor Designs

Jootoor Designs is a full-service Web Development company offering an extensive range of Internet services to businesses and organizations around the world. They specialize in web development, e-commerce, WordPress Design, Graphic Designs, Logo Designs, hosting, and more. Jootoor Designs industry leading team is at the forefront of pioneering results-driven Internet business solutions and technologies.

49) MindxMaster

Mindxmaster aims to give free knowledge to all the people. They have topics related to SEO, Digital Marketing, Website Designing, Startup and business activities, Social, Computer, Android, software applications, and much more.

50) 99 Robots

99 Robots is a results-driven, full-service digital agency specializing in online marketing, web design, and development. Whether its a product launch, management of advertising campaigns, or stunning website design, their team of marketing+tech experts can deliver beyond expectations. Praised for their hands-on approach, clients choose them to serve as an extension of their marketing or web technology team.

51) WP Pluginsify

WP Pluginsify was founded in September 2016 by Peter Nilsson. WP Pluginsify is a website dedicated to searching for the latest and greatest WordPress plugins. This website is a place to discover useful and great premium plugins. Their goal is to share their experience of WordPress through tips and articles about WordPress plugins. Their goal is to help all WordPress enthusiasts out there to make it easier to get started and working with WordPress like a pro.

52) City Book Pakistan

Citybook is a business listing and event submission company located in Lahore. They connect you to the businesses and events across Pakistan for free. They’ve been around in one form or another for more than 5 years, always with one goal in mind — helping local businesses compete and win.

53) The Kr Jaan

Learn about marketing, SEO, Social networking, blogging, reviews, backlinking, WordPress, & Getting More Traffic To Your Biz. Learn about many more, about everything with you want to create your world online.

54) FastFaceLikes

Whether you are looking to gain more customers, increase your online visibility, become more popular on social media, or boost your search engine ranking (SEO), when you buy online and social media marketing services, you are helping improve all of these opportunities. Increase your online credibility, customer confidence, achieve amazing business results, and many more! They provide services for Facebook, Twitter, Instagram, YouTube, Google, LinkedIn, Pinterest, SoundCloud, Spotify, TikTok, SEO (Website Traffic), and many more. They provide cheap website and social media marketing services. They are the best, fastest, and cheapest social media marketing agency, since 2012!

55) Shamsher Khan

Digital marketing trainer and consultant, having more than 5 years of experience as a digital marketer, blogger, affiliate, and lead generation expert. He is available to hire for online training and for workshop events.

56) Techtiplib

Created 2012, TechTipLib is a library of Technology blog, where you can find articles about Windows 7, Windows 8, Microsoft Office, Internet, Blogging tips, freeware for Windows, social networking tips and web apps, mobile phone tips, free apps (for iOS, Android, Blackberry and Windows Phone), Firefox, Google Chrome and much more.

57) Taximail

Taximail is a platform that makes email marketing effective and suitable for all types of businesses.
Taximail is an email marketing platform that is a Thailand based service provider that delivers campaigns, newsletters, promotions, benefits, and more to more than 5,000 reputable organizations. You can manage the campaign easily and real-time results for your convenience. They believe that effective communication with customers can lead to increased sales for you.

58) Connect your World

Connect your World is an SEO company & Content Marketing agency from The Hague. They help you through the many steps required for a better findable website. Together they ensure a top position in Google on the keywords that are important to you. As a result, they will achieve predefined goals. For example, a goal could be:

  • Your website at the top in Google or on the 1st page
  • More relevant visitors to your website. Relevant visitors are visitors who take your product or service from you.

59) TechFeral

TechFeral offers you the best of information, lessons, and tutorials on technology, from emerging and innovative new companies, to smart and crazy domestic products, revolutionary technologies, and information on ICT (information and communications technology). It began to connect with technology and interesting business with reviews and occasional opinions about everything that happens on this side of the world. Their goal is to offer technology in the simplest way so that everyone can easily understand it.

60) HostNamaste

HostNamaste is the best Indian web hosting company around. They offer the best-in-class fast SSD Shared, Reseller, OpenVZ VPS, KVM VPS, Windows VPS, and Dedicated Servers for small and big websites across US, UK, India, and Russia. They endeavor to offer their clients the best services at competitive prices.

61) TakeFunnels

Brendan Hal, founder of TakeFunnels, over the past few years has been taken an interest in digital marketing. He has created this blog, to share his experiences and opinions about digital marketing. Oddly enough, up until two years ago, he has no experience in marketing at all. He went to university and got a degree in Electrical Engineering. He worked a full-time engineering job with the Government of Canada. Then suddenly he took an interest in digital marketing. Throughout his journey, he will be sharing everything he has learned and providing value to anyone else interested in digital marketing.

62) Soft Scribe LLC

Soft Scribe is an integrated solution provider, servicing clients nationwide, and in the US since 2005. They specialize in transcription, accounting and bookkeeping, data analytics, and digital marketing. Soft Scribe has a team of qualified, trained professionals with more than a decade of experience in providing cost-effective, reliable, and timely solutions for all business needs. They even provide expedited solutions for projects with quick turnaround time. The complete synergy between their Indian and US operations enables them to work seamlessly and communicate remotely.

63) Web Ignito

Every solution and needs are well researched to be optimized in a way that serves the right purpose to any project. They are so flexible, that all their pricing and packages can be customized based on the end solution. This is why they are the most cost-effective and affordable digital marketing service in India.

64) Active Web Group

Their considerable experience and expertise in the digital marketing landscape allows them to partner and guide your business to the next level of success. Active Web Group is a full-service Long Island digital marketing agency. What does that mean to you and your business? They are creative thinkers and doers who are in business with their clients; the business of creating a cross-channel campaign strategy to achieve measurable and sustainable online success.

65) Technology Aloha

Technology Aloha team is a group of talented and driven designers, developers, and marketing specialists. While they may be separated by land and sea (with team members from Hawaii to Utah), they are joined by their commitment to effective marketing strategies, excellent work, and productive partnerships. They work together as a team to support their clients by designing beautiful websites, executing strong social media strategies, and developing efficient business processes.

66) Thehotskills

Amazing blogs and articles about Web Design Inspiration, Tutorials, Tips & Tricks, UI/UX Design, Web Development, WordPress, Digital Marketing and keep yourself updated with the latest design trends and happenings around the world.

67) Marketix

Marketix is a Digital Marketing, SEO, and Google Ads agency based in Sydney, Australia. Marketix works with Small and Medium Enterprises in Australia to deliver industry-leading Digital Marketing, SEO, PPC, and Marketing Analytics services; bringing Enterprise Grade Results, Transparency, and Experience to SMEs.

68) Quality Tech Talk

Quality tech talk is a blog related to SEO, Blogging, Technology, and Business. Sudarsan Chakraborty, the founder of this blog, started this blog to share his experience with his readers. He always loves to write on various topics so he started this blog along with the other popular blogs.

69) Friends Impact Reviews

Friends Impact Reviews, all the latest ways to make money online and offline, through paying platforms and networks, business ideas, tips in choosing a particular business, how to manage such business, risks and awareness of such business, as well as choosing a good location, Finance needed to start any business and a whole lot more.

70) Black Dog Media

Black Dog Media provides in-depth and step-by-step guides, guidebooks, and articles about the technology around you. From Windows 10 and iOS to digital photography and Python coding, there is something new to learn for anyone interested in getting more from tech. All guides are written by expert tech writers, with many years of experience in helping consumers learn how to get the best from the software and gadgets in their lives.

71) Bloggersutra

Bloggersutra is providing the valued information about the WordPress content management system focusing WordPress themes, plugins, news, how-to as well as the site is covering the variety of topics including SEO, Marketing, and writing tips for the bloggers. We are analyzing the issues for the beginner WordPress developers as well as the tips and tricks about the issues which will be helpful for the visitors.

72) Laptopshowcase

Laptopshowcase is a site dedicated to bringing you the latest trends, updates, in depth reviews, technical articles like benchmark comparisons, and news on laptop. Their team is committed to keeping you up-to-date about models from HP, Dell, Apple, Lenovo, Acer, and more, and pick the best budget, ultraportable, and laptop PCs, featuring technological aspects. They help you navigate the Laptop ecosystem to find the products you want and the advice you need to get the job done.

73) WebContempo

WebContempo is a company that offers various web development services ranging from web design to web support. We are a team of highly qualified and skilled individuals capable of catering to different website-related needs of a client such as ensuring that a site is ready for any device, that follows the latest trends in web design into a project to keep it looking fresh and many more. In the past few years, we have worked on a lot of websites that require “grooming” and every one of our client’s expectations were met with precision and style.

74) Newsnblogs

Newsnblogs is a news and blogs website where you will find the latest news and blogs from Pakistan and around the world. Newsnblogs publish daily latest politics news, travel news, tech news, Fashion news, Sports news, and much more about Pakistan and the World.

75) Top Explainers

Top Explainers are sales-focused explainer videos that convey your message and don’t cost an arm and a leg. Clearly convey that you’re better than your competitors and persuade your clients 10x more effectively.


They provide web design, business photography & promo videos, logo & graphic design, SEO Services, Paid ADs & PPC, as well as many digital marketing services. See all their listed services on the home page.

77) Fuze SEO

Fuze SEO is a full-service Internet marketing agency that helps local, national, and international companies of all sizes grow through search engine optimization, content marketing, paid search marketing, social media, and integrated analytics.

78) Bowery Capital

Bowery Capital is an early-stage venture capital firm focused on entrepreneurs looking to modernize business through technology. Their blog has weekly posts about startup sales and hiring, as well as a weekly podcast featuring prominent tech entrepreneurs and revenue leaders discussing an array of startup sales topics.

79) iBrandStudio

iBrandStudio is launched in June 2010, as a place where our ideas and inspiration are drafted out into tutorials, freebies, and roundup of favorite links about brand design.

80) Money Buffalo

Money Buffalo helps you live on a small income by showing creative ways to save money and make money. Most of the content comes from personal experience with paying off debt and seeking financial freedom.

81) Omniconvert eCommerce Growth Blog

Omniconvert eCommerce Growth Blog was born back in 2013 when Valentin Radu, the CEO, has created one of the first A/B testing and Web Personalization tools at that time. Since then, the content has obviously gravitated around Conversion Rate Optimization topics, but gradually it migrated to a mix between CRO, Customer Experience, Customer Value Optimization, and eCommerce tips in general. The internal experience with their clients made the content even better and juicier over time. The blog is also a source of inspiration for Shopify merchants as they are planning to launch a lot of Shopify related articles.  If you are into learning more about how to stay on top of eCommerce, you definitely have to follow this blog.

82) Fluid Ads

Fluid Ads are fast becoming the go to SaaS platform for the full end-to-end management of Digital Display Advertising.
The Fluid Ads platform combines their award-winning Ad Builder with capabilities such as Remarketing, Geofencing, Product Retargeting and many more techniques. The Fluid Ads platform is a customer-centric tool enabling businesses of all sizes to take their digital advertising to the next step.

83) Cyrusson

Cyrusson’s sole purpose is to help everyday local businesses in today’s world of digital marketing and fun techie stuff that they might not be familiar with. They are here to provide you a solution to your marketing and business strategy needs. With them, your brand and market visibility will improve vastly.

84) Tourist Destinations

Jugoslav, a founder of Tourist Destinations, is a passionate travel blogger and his main life goal is to travel around the world. Exploring tourist destinations has always been on his mind so he chooses to study this field at the UNWE university in Sofia, Bulgaria where his major was the economy of tourism.

85) Speakt

Speakt is a fast-growing online translation provider based in the United Kingdom. They are able to provide high-quality professional human translations of over 35 languages and over 2000 language pairs. Over the years, they have successfully built a technology platform with an extremely user-friendly interface that has placed them among the leading language solution portal providers around the globe.

86) Ybierling

Yoann is an international consultant. He helps businesses implementing their international projects, facilitating exchanges between various cultures, specialties, streams, and technologies. He thrives in designing, improving, adapting, innovating, and making solutions work, to satisfy clients. He created to share his expertise. He worked more than 10 years in international business development, global supply chain perfection, financial optimization, SAP ERP project deployment, and Web based business support. He made business transformation possible in various industries, such as logistics, cosmetics, consumer goods, beauty care, or fashion, in many countries around the globe.

87) ClydeBank Media

ClydeBank Media is a publishing company composed of a small team of dedicated researchers, writers, editors, and designers based in Albany, NY. They believe that information, and access to information is the key to success. That’s why they’re committed to providing reliable, high-quality, and easily accessible information to their loyal customers all over the globe. They are a multi-media publishing company developed out of the need for beginner-friendly simplified learning content that is available when and where their readers need it.

88) Glenmont Consulting

Glenmont Consulting is a marketing consulting firm with a focus on small and mid-sized businesses. We specialize in growth-driven website builds, search engine optimization, video production, and content repurposing. Client sectors include insurance agencies, manufacturing, data collection tools, and e-commerce brands. Our blog features content on a plethora of digital marketing topics including ADA compliance, social media marketing, marketing automation, web design, sales tactics, industry-specific resources, and more.

89) Evergreen Digital Marketing

Evergreen provides expert advice and services that help businesses and organizations connect with their customers and achieve their goals. They challenge the typical ‘agency’ model, instead of working as your personal team of marketing experts. As a full-service marketing agency, they can lead and complete projects ranging from branding and messaging, website design and development, demand and lead generation, and local digital marketing.

90) Cifwep

Cifwep is a digital agency located in Nigeria. They, however, service clients around the world. It started operating in 2017. They have a small team of 8.

91) SCOPE Recruiting

They left successful careers in Supply Chain and Operations to start SCOPE Recruiting. They’ve assembled some of the best supply chain and operations recruiters in the industry in order to deliver outstanding results to their partners. Their hands-on experience and comprehensive understanding of the roles they recruit for, allow them to find better qualified candidates that match your specific needs.

92) Mom With Five

I am a woman. I am a wife. I am a mother. I am a blogger. Without the first two things, I couldn’t be the mother of five children. Without the first three ones, you wouldn’t read these lines here. Their order is important. It defines my place, and it expresses everything that I am. Mom With Five blog was born to be a place where we can be our authentic selves as parents: not perfect, but the most outstanding in our goodness. A dash of cooking & creative work, a dash of travel & culture, and a big dash of family.

93) Life Design Analysis

Life Design Analysis is a cloud-based sales and productivity software for insurance carriers, distributors and advisors.
Designed to increase revenue, save time and help automate compliance. Their goal is to help your clients understand their insurance.

94) Code Authority

They are a dedicated group of technical specialists that love what they do — and crush it everyday! They truly enjoy creating great technical products and Code Authority makes it a point to hire individuals that embody that passion. It shows in their work.

95) MageComp

MageComp is a headmost Magento Development Company. They are the supreme providers of Magento Extensions and Services since 2014. You can find valuable tutorials of Magento regularly on their site. Their high-tech certified developers are capable to give a solution to any technical complications. They release effective and worthful must-have Magento 2 Extensions for the effortless execution of the Magento store. Possessing a dedicated and hard-working team, the company is serving 25000+ customers.

96) eEuroparts® is one of the leading authorities in the field of OEM and aftermarket European auto parts industry. Right from the start, it was their sole mission to be the best in this business, building our reputation piece by piece. One of the reasons why they’re among the best is the fact that they’re all car enthusiasts. Their mission goes past simply finding the right parts you need and giving you the best shipping quotes.

97) Crystal Clear Communications

Work with partners who help you win. Tap their deep expertise in journalism, communications, and marketing. They bring you 60 years of practical, hands-on experience. 

98) Tenocation

This page is all about Tenocation Website and it’s founder. Tenocation is a smartphones website with apps, how-to guides, and reviews. An Inspiration to Technology – Tenocation. Tenocation is a growing technology blog. It’s one of the best places for finding articles based on Smartphones, Apple, Android, iOS, Samsung, HTC, Nokia, Sony, App Store, Google Play Store, and smartphone comparisons. Tenocation was started back in 2010, using Blogspot Platform.

99) GraphicDesignJunction

GDJ is leading in design and inspiration showcase Junction for web designers and developers daily resources and premium web design and development platform. GraphicDesignJunction will be providing interesting design news and free downloads, created as world moving forward, Daily Resources for Designers and Developers.

100) Mindful Travel Experiences

Through their travels, they discovered many things about life, different cultures, awareness, and the environment. They have a particular preference for two things: nature and outdoor activities, along with discovering the culture of different countries. Being in 30 countries so far, they found through these travel experiences that numerous things connect people and cultures.

“Mindful Travel Experiences” absolutely represents what they understand for life and traveling for the future. That name is more than a name. It is an incentive, a goal, and a constant reminder of their desired way of living.

101) Carpathy

Carpathy is changing the way people take care of their cars. They provide a better and easy way for you to book various services for your car with just a few clicks. Focussed on providing the best services, they are now available throughout Delhi NCR. Quality and reliability are the key drivers of their products and service. They believe your car deserves to be as healthy and toned as you are. They deserve the same love and affection as you do. They strive to make their service more accessible so anyone can free up their time to do what they love.

102) WebPeak SEO Tools

WebPeak is a complete SEO and Marketing SaaS, with more than 1,300,000 users of the technology in the world. It works with a solid and complete database, with integrations and metrics of tools such as Majestic, Moz, Alexa, Google Analytics, Search Console, Facebook, Ads, Meu Negocio, and three website crawlers. Marketers are able to find more opportunities, exercise growth hacking, all of this thinking about sponsored campaigns, but mainly, in the strategies of SEO (organic search).

103) AsOne Business Development

With AsOne, decades of expertise is available to you for less than the cost of an employee, with proven successes in a plethora of sectors & industries. Whether your digital marketing needs boosting, your website needs work or you need guidance on your digital strategy, you’ll find what, how and why they can help below.

104) FounderJar

Welcome to FounderJar, where you help people turn their skills and passion into blogging businesses earning them at least $10,000 per month. They aim at empowering 10,000 readers and guiding them through the stages of building their online businesses. Like many, they grew up knowing that they needed to study hard, get a job, earn a salary and get kids, all while saving and looking forward to retirement. They believed it. And they worked hard to achieve it. Now they know better. Life can definitely be more meaningful than that.

105) Mountain Mojo Group

Mountain Mojo Group is a different kind of marketing agency. They begin all of their projects with research driven strategy, establishing where your business is currently positioned, where you’d like your business to go and how it is that they can help get you there! They love what they do and they love bringing success to their clients by offering unique access to a tremendous amount of resources throughout the Southwest.

106) TEMOK

In business since 2014, they’re a cohesive team of developers, technicians, marketing specialists, and design professionals. Headquartered in Dubai, UAE with offices in the UK, USA, and several other countries, they’re positioned to provide top-quality service and value to their fast-growing global clientele of 8000+ and counting.

107) FreeeUp

The FreeeUp Marketplace recruits, interviews, and vets hundreds of freelancers and agencies each week, only allowing in the top 1% of applicants onto the platform. FreeeUp was built as a time-optimized, low turnover marketplace in response to the headaches other systems cannot break free form. Today, FreeeUp boasts top freelancers and agencies offering over 65 different skill sets ranging from $5 – $75/hour. Over 5,000 businesses have registered and are hiring through FreeeUp. More than a hiring marketplace, FreeeUp also gives great advice on remote work to business owners and freelancers.

108) MyCoolBin

My Cool Bin is one-stop for the coolest stories from all over the world. The site is born out of our passion for innovative gadgets and autos.

109) Tales From Home

Tales From Home is an ever growing story about making life better. They are devoted to promoting lifestyles, products, and habits which help people achieve their dreams and live happy positive lives. If you feeling a little bit lost right now in life, you’re in the perfect place right this moment!

110) Ricky Wang

Ricky Wang is an up and coming digital marketer and entrepreneur based in Texas. On his blog, he writes to readers about growing a profitable online business without any prior professional experience. Ricky also promotes different business models such as dropshippingAmazon FBA, and a variety of side hustles as legitimate ways to create an online business. When he’s not growing his blog or connecting, you can find him pretty much anywhere just trying to get the perfect handstand.

111) Startupily

Safwan Khan is the founder of Startupily. Startupily is a platform for entrepreneurs seeking useful business articles, resources, and tools to start and grow their business. Being a business owner, he found it difficult to get access to important business documents, resources, and books that would help him start a business. There is so much information that it can get overwhelming and confusing at times. For these reasons, he compiled all the important tools and resources that one can get access to under one platform.

112) WECAN

The goal of WECAN Magazine is to help women overcome the unique obstacles we face as entrepreneurs and small business owners while providing the knowledge you need to run a successful business. It can be difficult to stay confident and rise above when the business world doesn’t always take what we set out to do seriously. With the right resources and know-how, however, #WEcan succeed.  

113) Windows Classroom

WindowsClassroom is a tutorial blog having maximum information about Windows OS. This is your final destination to solve any problems regarding Windows OS, Internet, browsers, etc. So come to us with your problems and go with their solutions.

114) DownloadStatus

Download status is the place where you can download all sorts of video statuses from Bollywood and other sources. Be it love status or sad status. Be it old songs or new dance tune videos. Whether you are heartbroken or just started a new relationship, we have video status for all possible occasions. Just browse our categories and find the video that suits you, just upload it to Whatsapp and impress your near and dear ones.

115) WHR Marketing LTD

WHR Marketing LTD is an Online Digital Marketing Agency providing Expert, Affordable SEO Services for Small Business. We also help entrepreneurs and businesses of all sizes grow online.

WHR Marketing provides SEO and White-Label SEO Reseller Services to clients and customers worldwide.

116) OptimizeMyFirm

People from OptimizeMyFirm are a team of industry experts who closely monitor SEO trends and implement effective strategies for our clients. We focus our efforts on helping ethical, client-centered personal injury law firms outrank their competition. 

They work with both large firms and solos, but they only work with lawyers that they know they can help.

117) Coinfomania

Coinfomania is an independent cryptocurrency and blockchain-focused news publication launched in July 2018 to cover daily news and updates, analysis, guides, reviews, opinions, and other related topics on cryptocurrencies.

We provide timely news updates about Bitcoin, Ethereum, XRP, as well as their underlying blockchain technology. Coinfomania strives to provide accurate, reliable, and high-quality content to crypto investors and enthusiasts in the industry.

118) All Points Digital 

All Points Digital helps brands innovate and evolve. Comprised of passionate and dedicated marketing professionals, the digital marketing agency takes a collaborative mindset when working with clients of all sizes to achieve their goals. There is no one size fits approach to digital marketing, so the team takes an omnichannel approach to deliver a comprehensive digital marketing strategy. APD strongly believes that a connected world is best served by connected thinking and incorporates that approach in their marketing initiatives.

119) Financegab 

Financegab is an amazing source of highly valuable content in personal finance, insurance, investment, tax planning, stock market and mutal fund fields. This blog covers finance flows in USA, Europe and is one of the best personal finance blogs in India as well!

120) Webiscuits

We are about delivering results for our valued clients. We are committed to helping your business thrive and gain a competitive edge over your competitors.

121) ClicData

ClicData helps business managers and leadership understand what is business intelligence, data analytics, data visualization, and how to face the challenges of becoming a data and KPI-centric business across all industries (healthcare, retail, e-commerce, consulting, hospitality, technology, and more). They share actionable advice and expert tips on how to leverage your company data to make better decisions and ultimately grow your business. ClicData also speaks to a more technical audience such as Business and Data Analysts with advanced data security and data analytics topics such as how to use ETL tools to make complex or incomplete data actionable, how to use BI for big data analysis, or using machine learning or AI to improve business intelligence software. They have been in the BI niche since 2009 which gives them the authority to give you meaningful insights if you’re into data and business analytics. 

122) Newoldstamp

Newoldstamp – is an email signature management and marketing platform perfect for mid-sized businesses, enterprises, and teams. Quick and simple signature set up for all company employees that doesn’t require involving Tech or Design Teams.
Newoldstamp Blog is a useful resource to learn about email marketing. There are also a lot of tips and tricks about email signatures, especially how to use them in your company emails. Newoldstamp blog provides only unique and valuable articles based on real cases and examples.

123) Fly Plugins

Fly Plugins is the development company behind the first and most widely-trusted learning management system (LMS) plugin for WordPress, WP Courseware. Their company is committed to helping people leverage technology to share their knowledge online and they regularly blog about online course creation and related topics.

124) RexTheme

RexTheme provides you with complete guides and how-to articles. You can learn about WooCommerce, Virtual Reality, and social media marketing. It doesn’t matter if you’re a newcomer or an experienced veteran, RexTheme has useful content for you. There are guides on very basic topics and how-to blogs on solving advanced problems. They want to help all readers of their focused topics, so they ensure producing informative content for everyone.

125) Accutrac Capital

No matter your circumstance, they have the financial resources to finance even the most complex situation. Whether you are a start-up, a high growth company or a business in transition, they can help with easy qualification, cost-effective financial solutions, and convenient high-value services.

126) Dime Saved

A Dime Saved is the personal finance blog to turn to if you are a millennial mom on a budget! Robyn is an unabashedly poor mother who is raising a family on a dime. Follow her for ideas on how to raise your kids and create a happy home on a very tight budget


Legal Branding

Simple Ways Apart From Budgeting And Negotiating To Manage Finance And Debt

Money is an important thing that will help you to buy things that you need and want but it is essential that you save them as well. Since money plays a very significant role in your life, you will need to manage it properly and strategically. This will give you a lot of mental peace, financial strength and happiness as well.

Therefore, if you find yourself in a sticky situation you must know the ways to manage your debts and handle the situation. There are many such ways that are easy as well as effective in managing your money and pay all your debts off easily and quickly.

Budgeting is one such way which is perhaps the most significant aspect of crafting a strategic and proper debt management plan. A proper budget will help you to:

  • Know your source of income
  • Know all your expenses
  • Curb the unnecessary expenses or those that can be postponed temporarily
  • Evaluate your assets and liabilities to find the net worth
  • Consider all your debt obligations and 
  • Create a plan to pay off your debts accordingly. 

When you make some alterations and curtailments in your spending habits, you will be able to save a lot of money and pay off your debts effectively without fail.

Another important aspect of finance and debt management is negotiating with your lenders, especially when you have multiple credit card debts that you want to settle for a reduced amount. However, you are advised to go through several debt settlement reviews to be sure that this is the best possible option as compared to debt consolidation, balance transfer and filing for bankruptcy.

Considering other options

You must look beyond budgeting and negotiating to ensure you have a strategic debt management plan designed for you. You may even consider consolidating your debts. This will help you in several ways such as:

  • You will reduce the number of debts by rolling them into one
  • You will have only one monthly bill and creditor helping you in keeping proper track of your payments
  • It will eliminate the chances of falling behind on debt
  • It will reduce the number of your monthly bills
  • It will have a bigger loan, the lower rate of interest and an extended time period to repay your loan.  

A balance transfer is another way to consolidate your debts, especially credit card debts. However, you will be better off if:

  • You calculate the Annual Percentage Rate or APR before you choose a particular card for balance transfer and 
  • Also, consider the interest-free period to find out whether you will find it comfortable to pay your entire debt within this introductory period. 

You can also take help of the expert debt counselors to decide which method you will follow to repay your debts, snowball method or avalanche method.  The counselors will help you in many ways such as:

  • They will help you to prioritize your debt whether you it will be feasible to pay the high-interest loans first and then the low-interest ones or the other way round considering your financial situation.
  • They will also give you helpful tips about whether or not you should stick to secured loans or unsecured loans when you want to consolidate your debts. Ideally, stick to your secured loans is considered to be the most useful way to improve your credit score as you will have more money in hand to repay your other debts once you pay these off in full.

In short, the debt counselors will help you to get a better idea of debt and finance management, easy and effective disbursement, and to choose the most viable and feasible option.

Different types of debts

When you consolidate your debts it will have a positive effect on your finance and debt management. However, you will need to consider all different types of loans that are there such as:

  • 0% APR credit card
  • Personal loan and even 
  • A home equity loan. 

You must choose the one that will best suit your purpose, financial condition and your ability to repay it on time and on a regular basis. This is another aspect in which you can take help of a credit counselor. 

Suitability of debt and its payment will largely depend on the available cash. It will also depend on other aspects such as:

  • Your financial resources
  • Your credit score and history of payments
  • Your personality and 
  • Your willingness to get rid of your debts. 

Therefore, if you want to make a strategic plan to pay off the consolidation loan, you must first consider your financial strength and then weight it with the pros and cons of each of these available loans.

Take the help of the experts

You will need to choose the right type of loan to repay your existing loans simply to assure that you do not find yourself in further debts. A credit counselor will help you to make such a choice as well as suggest the best and most effective ways to get rid of your debt. 

You will need to know the basics of financial management as well that will help you to create a corpus by curtailing a few of your expenses to repay your debt. Apart from all these, the credit counselors will also help in negotiating with your creditors to reduce the rate of interest or to get some waiver in fees.

The credit counselor will also help you to plan your repayment options which will involve:

  • Analyzing your debts
  • Prioritize these 
  • Plan for your repayment.

Lastly and most importantly, they will be by your side till the time your financial stability is restored. They will analyze the terms and conditions attached to all the different types of loans available. They will make sure that the rate of interest is lower than the average interest rates of all your multiple loans. They can even help you to choose a bank or a credit union to take out a consolidation loan.

Therefore, planning is the most crucial part of the finance and debt management which starts with budgeting and ends with financial freedom.

Legal Branding

4 Exciting Life Changes That Could Affect Your Insurance Needs

Understand what types of insurance you should have and how those needs may change as life changes.

Life always brings about exciting changes. No matter if you are welcoming a baby into your life or investing in a house, life changes, though exciting, can add a lot of stress to your plate as you navigate all you need to do to adjust to your new life. 

Financial planning is a big part of adjusting to life changes. Insurance, in particular, is a very important factor in your financial plans. So many people don’t understand their insurance needs and that can cause people to overlook insurance protection. Let’s talk about some insurance policies you may consider getting and how life changes can affect your needs. 

4 Types of Insurance You May Consider

Prepare for the unexpected with these insurance policies

Life is unpredictable. And when unpredictable costs pop up, it can put you and your family in a tight financial situation. Investing in insurance to help with the unexpected is one of the best things you can do to prepare for anything that may pop up. 

1. Health Insurance

You can’t plan out when you get sick or hurt and require medical treatment. And with how expensive medical care is in the United States, not having a health insurance plan can leave you stuck with high medical bills. Plus, preventative medical care is so important to try to avoid getting sick in the first place. 

Health insurance is often offered through employers as a benefit, but people who are contracted or self-employed can still get medical insurance through the federal or state Health Insurance Marketplace. Some types of health insurance plans you may consider are:

  • Health Maintenance Organization (HMOs) – Coverage through a network of physicians after you are referred by your primary care physician.
  • Preferred Provider Organization (PPOs) – Coverage through a network of physicians that do not require you to choose a primary care physician or to be referred to a specialist or hospital. 
  • High-Deductible Health Plan (HDHP) – Coverage that requires you to pay a higher deductible for medical care but requires a lower monthly premium.

When choosing a health insurance plan, you will want to consider your deductibles, copays, and premiums to determine which plan is right for you. 

2. Life Insurance

No one likes to think about a time when they won’t be around for their families. Life insurance can act as a security blanket to provide financial support for your family if you or your partner were to pass away. 

Life insurance death benefits can be used to cover the cost of childcare, pay off large debts left behind, and act as an income replacement to help your family adjust to a new lifestyle. Especially for families with young children, life insurance is a smart investment to make for financial security. 

There are a few different types of life insurance that you may consider. While the following are not the only types of life insurance policies, they tend to be the most popular:

  • Term life insurance – This type of insurance covers you for a specified period of time. Those timeframes can be anywhere from 10-30 years. If you were to pass away during this time, your beneficiaries would receive a death benefit payout. 
  • Accelerated term life insurance – This type of life insurance is almost exactly the same as a traditional term life insurance policy, but it can provide coverage without a medical exam. You will instead fill out a detailed questionnaire about your medical history and current health status. The process is much quicker and simpler in comparison to the traditional term life insurance application process and the policies tend to be pretty similar. 
  • Permanent life insurance – This type of life insurance covers someone for their entire life as opposed to a certain period of time. As this policy ages, it also accumulates a cash value, which can be borrowed in the future. Because it carries more benefits and covers someone for their entire life, it is generally much more expensive than term life insurance options. 

When investing in life insurance, make sure you balance the cost of your coverage with the amount of coverage you need to find the best policy at the best price. 

3. Homeowner’s Insurance

A house is a big investment, and homeowner’s insurance is a great way to protect that investment. Some mortgage companies or HOAs require you to have homeowner’s insurance. Even if it’s not a requirement, it’s still a smart idea to invest in this insurance to help field the cost of unexpected home expenses. 

The coverage you get will of course depends on what you need. Generally, though, coverage includes:

  • Liability – If someone were to get injured on your property, this coverage can help pay for medical expenses. 
  • Property damage – If your property gets damaged from things like fallen trees or auto accidents, this coverage can financially help you make repairs to your property. 
  • Loss of use – If anything were to happen to your home—like, let’s say a fire—and you had to live elsewhere, this coverage can help you pay for living expenses until you can move back into your home. 

Make sure your policy is comprehensive enough to protect your home and belongings.

4. Disability Insurance

Disability insurance is often overlooked when considering insurance policies. If you were to become too sick or hurt to work, disability insurance can help you receive at least part of your income. The reason why people overlook this type of insurance is that they don’t fully understand what may prevent them from working. It could be anything from a stroke to depression to back pain. 

Disability insurance can often include:

  • Short-term insurance – Covers your income immediately after an accident or illness prevents you from working.
  • Long-term insurance – This covers your income if your injuries extend past your short-term coverage. 

Disability insurance is a smart investment to make to prepare for the unexpected. 

4 Life Changes and How They Change Your Insurance Needs

Going through a big life change? Here’s how that will impact your insurance needs

As you go through life changes, insurance is probably at the bottom of your list of worries. However, you should do the best you can to prioritize any updates to your insurance so that you and your family are as prepared as possible for the unexpected. 

Getting Married

Getting married is an exciting time, and it’s sure to change your financial priorities and your insurance needs. 

First and foremost, getting married may change your health insurance options. You may be able to get better or more affordable coverage through your spouse’s employer. After getting married, make sure you review your health insurance options to ensure you have the best plan for you and your spouse. 

After you’ve gotten married, you and your spouse may decide to combine your finances to some degree and make some bigger life decisions together. Life insurance can help provide some financial security in your relationship. You may consider getting life insurance if you were to leave behind large debts, such as student loans. Life insurance can also act as an income replacement if your spouse relies on your income for their livelihood. 

Having a Baby

Having a baby is another exciting life event, and it will definitely change how you look at your financial situation. New parents want to do all they can to financially prepare their families for the unexpected, and insurance is a good place to start. 

When you have a baby, you will want to make sure that you get the health insurance you need to provide the proper medical care for your newest family addition. Having a baby is a life change that can open your health insurance enrollment, so be sure to take the proper steps to get your baby insured.

As for parents, having a baby may prompt them to look harder into life insurance. Now that you have a dependent to financially care for, life insurance can act as a security blanket to ensure that they would be properly cared for even if you aren’t around. The cost of childcare is expensive and life insurance can help your partner properly care for your child. It can also help you set aside money for your child’s future, like a college fund or money to put towards a wedding. 

Having a baby also makes people more seriously consider disability insurance. With disability insurance, you can have some type of safety net if you were to have anything happen that would prevent you from working. 

Buying a House

If you are buying a house for the first time or investing in a bigger house, this will definitely change your needs when it comes to homeowner’s insurance. 

Depending on your mortgage, you may be required to get a minimal amount of coverage to protect your investment. Depending on where you live, you may even consider adding coverage to your homeowner’s insurance to protect you from things like flooding. 

If you already have homeowner’s insurance but you buy a bigger home, you will want to review and change your policy and coverage for better protection. Take a look at your policy and consider how much more coverage you need for your new home. You should additionally look at other insurance companies to determine if you are still getting the best policy possible.

Getting a Promotion

Updating your insurance is often overlooked after getting a promotion. This promotion will more than likely increase your income. As you and your family become more adjusted to that lifestyle, it becomes more important to make sure that your income could be replaced if you were to pass away unexpectedly. 

You may buy a more expensive house, pick up different lifestyle habits, and have different financial priorities. You may consider getting a life insurance policy can help ensure that your income could be replaced if you were no longer around. If you have a life insurance policy already, you may want to review your coverage to make sure it still suits your needs. If it doesn’t, you may consider adding more coverage to your policy. 

When your life changes, you should do your best to understand your changing insurance needs so that you and your family are financially protected in the face of uncertainty. No matter what life throws at you, be sure you do all you can to prepare ahead of time. 

Digital Branding

Best Business Blogs 2022

Your business is going to grow. You want innovative and new ideas to read from somewhere. In your industry, you want to become a leader. The blogs below are a good way to collect tips and information to get you to the next level. Here’s a list of our best business blogs to follow in 2021:


LifeUpswing is a personal finance blog that teaches you how to grow wealth and manage it efficiently, effectively, and ultimately, passively!

2)HRchat Podcast

The HRchat Podcast is a series of interviews with high-profile influencers, leaders, analysts, and those in the HR trenches. The show covers the big issues relating to HR, Leadership, Talent, Diversity and Inclusion, Recruitment, Employee Engagement, Performance, and Company Culture.

The show has 200,000+ downloads and is frequently listed as one of the most popular global podcasts for professionals in Human Resources, Talent, and Leadership (do a Google search for “best HR podcasts” or “popular HR podcasts” to see for yourself and check out testimonials from past guests). Learn more at


Techbmc is aimed at sharing vital information that can help you in your Career, Job Opportunities, Business Growth, etc.
The website also helps online users with the Best Products and Service Reviews coupled with Trending Technologies, Games & Solutions for the most challenging problems encountered while using most tech products.

4) Business Partner Magazine

The Business Partner Magazine blog is a popular resource for small business owners. Articles provide practical information and guidance for both new aspiring business owners and those that have been in business for some time.

The content gives insights into the mindset and experience of successful business owners helping small business owners to build thriving and profitable businesses.


Operating in 26 markets, is a global comparison service that simplifies your choices when you need to borrow or save money. We compare personal finance solutions such as loans, saving accounts, credit cards, and more.

6) MeMoreMoney

MeMoreMoney is the place for people looking to make their money work hard. We believe that everyone deserves a lifestyle where they can have fun and live comfortably! We offer simple easy changes that most people can implement to give them more money.

7) Beagle

Beagle helps people find and consolidate their old 401(k)s (believe it or not, $100 Billion 401k were forgotten in the US). Beagle also unlocks your old 401(k)s and IRA so you can access them early to pay off your debt.


360Connect is an online marketplace connecting buyers with suppliers. We match buyers with suppliers who can provide quotes for their specific business needs. We strive to provide an extraordinary buying experience that encourages smart purchases. 360Connect provides customers with up to 5 reputable suppliers directly without any obligation to buy. To support our clients’ businesses and ensure we have the products and services needed, we work with suppliers from over 30 industries. This includes building & construction, security, office food & beverage, office products, and outsourced services. In other words, we are a one-stop shop for buyers in need of products or services.

9)My Money Chronicles

My Money Chronicles is a website founded by Jason Butler. He discusses side hustles, personal finance & travel. He’s also in the process of eliminating $72,000 worth of debt. Each month, he shares an update.

10) MartechCube

MartechCube is a leading digital publication and a go-to resource for professionals and enterprises for all things related to Marketing technology, Customer Intelligence, and Sales Intelligence. We recognized the need to address technology-related challenges specific to CMO and the marketing department. The crux of MTC’s mission statement is to be the single source destination for marketers in the digital age. We are a publication dedicated solely to the Marketing Technology arena and the individuals who buy, influence, and consume MarTech worldwide.


ProjectionHub has helped more than 50,000 founders and entrepreneurs to create financial projections so they can raise investments, apply for loans, and plan for expansions/growth. From budget-friendly DIY financial projection tools to high-touch custom consulting with a CPA expert, ProjectionHub has the financial forecasting solutions your business needs.

12)The Free Thought Project

The Free Thought Project is a place for people to come together, who don’t necessarily agree on all topics, but who want to see a brighter, freer, and more sustainable future for humanity.

13)Deliberate Directions

Deliberate Directions provides business and executive coaching, virtual boards of advisors, business planning workshops, a business valuation service, the Deliberate Leaders podcast, and more to help leaders reach their full potential. A leading service in the Northwest, Deliberate Directions has been featured in The Huffington Post, Clutch, and Success Magazine.

14) Pawns. app is a global desktop and mobile app that allows everyone to share their unused bandwidth and make a 100% passive income. People from anywhere in the world can join us and turn their internet connection into cash, Bitcoin, or gift cards! Our members can also use the Surveys feature to earn money just by sharing their opinions. This feature is available on Android, with new locations added on a regular basis. These surveys usually take only minutes to complete and help our partners develop better products and services. They cover all sorts of topics, from fashion and cosmetics to politics, tech, and the car industry.


MrHow is a how-to website founded by Solomen, a young man who loves to write about Tech, WordPress, and a lot more. Our mission is to make technology understandable for regular users and help them solve common tech problems. With over 500 articles and counting, MrHow has quickly become the go-to source for how-to information on the web.

16) OnlinebizBooster

OnlinebizBooster is a digital marketing website and blog. It provides in-depth guides that teach online biz owners ways to grow, manage and scale their businesses. If you want to learn modern marketing strategies, head over to his website – OnlinebizBooster.

17) City Personnel 

City Personnel is a locally owned boutique staffing agency in Providence, RI. It is their policy that every assignment is an opportunity, every employer is a priority, and every candidate is an asset. They strive to create long-term relationships with client companies and job seekers to make sure they make each party find their perfect match.

With close to two decades of experience working in the Southern New England area, City Personnel fully understands the local job market in Rhode Island, which helps us find the best fit for both the client company and the job seeker.


Let me explain about, we are a self-serve platform, meaning we have direct demand: networks, direct advertisers, and media buyers which sign up top-up and start buying via direct linking only CPC basis with profitable opportunities at almost all verticals. We developed a self-service add push platform with auto rules which basically you can create campaigns and optimize them based on your needs and CPA goals. In case you want to launch your campaigns to success you can use Pushgroun +, premium traffic to achieve your goals.

Digital Branding

What Happens If I Don’t Pay My Second Mortgage?

Wouldn’t it be wonderful if there were no such thing as personal fiscal responsibility? We could all adopt the U.S. government’s approach to the national deficit. We could simply ignore our personal debt — with impunity. There would be no need to worry about our car payments, student loans, credit card debt — or even our mortgages. We could just keep on spending — with impunity.

Alas, that seems unlikely. So while the government continues to spend money it doesn’t have — with impunity — the rest of us must pay our bills, or face the consequences. We all know what will happen if we don’t pay our utility bills, or miss a few car payments. We also know what happens if we miss a few mortgage payments. But what happens if someone doesn’t pay their second mortgage? Keep reading to find out.

The consequences of second mortgage defaults

By definition, a second mortgage is a secured loan that a homeowner obtains by using their house as collateral. These typically include  but are not limited to home equity loans or home equity lines of credit.

Second mortgage defaults occur when homeowners fail to make required payments on said loans. The consequences vary based on how much your home is worth and how much you still owe on your primary mortgage. 

If your home is worth more than the remaining amount on your first mortgage, you have equity in your home. This means that your second mortgage is still somewhat secured. This also means the second-mortgage holder will probably pursue foreclosure to recoup some or all of its money.

On the other hand, if you owe more on your first mortgage than your home is worth, your second mortgage is no longer secured.If the second-mortgage holder pursued foreclosure in this case, it would be less likely to recoup its money. This is because the second mortgage is usually classified as the junior mortgage. 

As the superior mortgage holder, the first-mortgage holder would have first dibs on the proceeds from the foreclosure sale. But this is not the only hurdle that second-mortgage holders face.

Barriers to second mortgage foreclosures

Fortunately for distressed homeowners, second mortgage foreclosures don’t happen all that often. That’s because there are additional barriers to second mortgage foreclosures. In general: 

  • Secondary lien holders are barred from foreclosing on your property if your second mortgage is current.
  • Primary and secondary lien holders are barred from foreclosing on your property if superior mortgage and junior mortgage are current. 
  • If your first mortgage is current but your second mortgage is not, the secondary lien holder is not barred from foreclosing on your property.

So as you can see, there are limited rights of second lien holders in foreclosure. 

Clarifying liens and lien priority

To clarify, a lien is a legal claim against a property. In this context, the term lien priority is used to describe the order in which lien holders are paid after foreclosure. 

More often than not, lien priority is date-based. Specifically, priority is usually assigned based on when the mortgage was officially recorded. So let’s say someone got a mortgage which was recorded on January 10, 2020. Now let’s assume the same person obtained another mortgage, which was recorded on October 28, 2020. The former would be designated as a first mortgage, and receive first-lien position. The latter would be designated as a second mortgage, and given second-lien priority. 

Having said that,  homeowners should be aware that some liens, such as property tax lines, are viewed as superior to any prior liens. In most, but not all cases, judgment liens are junior to a first mortgage. They may also be junior to a second mortgage, and to other judgment liens depending on the order in which they were filed.

How does refinancing your first mortgage affect the priority assigned to your second mortgage? 

As if all of that isn’t confusing enough, things get even more complicated if you refinance your first mortgage — or get a cema loan if you live in New York. In this case, the first mortgage holder will mandate that the second-mortgage holder enters into a subordination agreement. In this type of agreement, the second-mortgage holder agrees to make its loan junior to the refinanced loan. In other words, the refinanced loan, which is technically the newest loan, gets first priority through the subordination agreement. 

A second-mortgage holder can sue you to recover the amount owed 

To reiterate, there are limited rights of a second lien holder in foreclosure. This is because foreclosure on the first mortgage triggers foreclosure on any junior loans including a second mortgage, home equity loan, or home equity line of credit. This domino effect also results in the loss of security interest in the property. The end result is that the secondary lien holder effectively becomes a “sold-out junior lienholder.”

However, this does not mean a second-mortgage holder cannot recoup its money. Laws vary from state to state, but in most cases, a secondary lien holder can sue you for the amount owed. You give the lender the right to pursue this option when you sign a document promising to repay the loan and then fail to do so.

Assuming the second-mortgage holder wins a judgment for the amount owed, there are several ways it can collect: 

  1. It can have a specified amount of money withheld from your paycheck each pay period until the debt is paid.
  2. It can have a specified amount of money taken out of your bank account for a specified period until the debt is paid.
  3. It can use any other “regular” collection methods as warranted.

If you are struggling to pay your first or second mortgage, consider speaking with a qualified legal or financial professional about your options. Depending on your situation, filing for bankruptcy may be one way to reduce  or eliminate your financial liability.  

If you don’t have a second mortgage yet, but you are considering getting one to finance other large purchases, it may be worth considering other options. Specifically, you may want to consider options with similar rates that don’t require you use your home as collateral. That way your home won’t necessarily be at risk in the long run.

Legal BrandingPersonal Branding

Common Mistakes Novice Entrepreneurs Make That Cost Them Big

All too often, hopeful entrepreneurs jump into the world of business, hoping to make it big. Drawn in by the idea of working in a field they’re passionate about, calling the shots, and accumulating wealth, they invest time, energy, and money into a business that fails in just a few short years (or less). Though becoming an entrepreneur comes with risks, you can avoid many pitfalls by learning from others’ mistakes. 

Ignoring Personal Finances

The main objective of starting a business is to generate profits. Be that as it may, it can take months or even years before you’re making enough sales to earn a decent salary. As such, you’ll have to rely on your personal finances to tide you over until you reach your earnings goals. Your personal finances will also be instrumental in helping you to acquire capital from lenders and investors. As such, you will need to take steps to ensure your fiscal health is up to par. This can mean increasing your savings, following the 50 30 20 rule, and/or using a monthly budget template.

Novice entrepreneurs ignore their personal finances and either run out of money or face an uphill battle to get a loan. Preventing this from happening involves several financial management practices. You need to get your debt under control and improve your credit history. From negotiating with creditors and settling accounts to removing inaccuracies from your credit report and utilizing debt consolidation services like those found on, there are several resources to help you improve your financial status. 

Quitting Their Jobs

You may be dreaming of the day you can march into the office and tell your boss that you quit. If you’re not prepared financially, however, this move could prove detrimental. Novice entrepreneurs leave their full-time jobs behind to make room for their new business without knowing how they’ll cover their expenses. The pressure to turn a profit becomes so overwhelming that it can have physical and emotional consequences. 

Before quitting your job, do thorough research to determine how much it costs to run your business type and cover your household expenses. Once you have this data, you should try to save at least six months’ to a year’s worth of costs to provide protection. This way, if it takes a while for your business to start making sales, you’re not strapped for cash. 

Taking On All Responsibilities

There are many tasks involved in running a successful business, from accounting and marketing to production and customer service. Novice entrepreneurs make the mistake of trying to take on all these responsibilities themselves. Though it may seem like a feasible way to lower overhead costs, it ends up costing them more. 

As each business task requires in-depth knowledge, skills, and experience, tackling things you’re not well-versed in leads to poor results. Not to mention, spreading yourself too thin can lead to emotional overwhelm and a poor work-life balance. Though it does cost to hire employees or outsource essential services, it’s the most effective way to streamline processes, improve customer service, manage assets vs debts, balance your personal and professional life, and grow your business

Using Free or Cheap Tech

No matter what type of business you own, having reliable technology is imperative to your success. Though purchasing hardware and software for your business can be costly, it’s necessary if you’re going to remain in the competition. 

Novice entrepreneurs looking to save money, however, opt for free and cheap tech solutions with limited features and capabilities that leave them behind in the race. It is best to invest in technologies using equipment, personal and business loans to ensure the most efficient products and services for your target customers. 

The life of an entrepreneur is hard enough. So, why make the journey more challenging by making mistakes that you could easily avoid? If you’re going to invest everything you have into building a brand that aligns with your passions while providing for your family, make sure you’re doing so wisely. If you don’t want to find yourself among the millions of people who started a business that failed in the first five years, take the advice above to avoid making a mistake that could cost you big. 

Legal Branding

The Guide To Property Investing In 2020

The Lost Contracts, a Relative Recovery in Denver, CO – My New Era

There is no denying the pandemic shutdown resulted in many lost home sales. Some sellers and buyers scrapped their plans altogether, while others put them on hold. Can these “lost” home sales be found again? The strength of the recovery will largely depend on price point.

Despite a quick rebound in traffic once showings resumed, the Denver metro sold count was down around 24% year-over-year between March and June. For this same period, there were 4,820 fewer closings than in 2019.

One encouraging detail is that more contracts have been written since showings resumed than had been written in the same timeframe last year. This suggests the market will recover at least some of the lost sales from the spring as these contracts finalize.

The recovered home sales have not affected each price point proportionately. Of the new contracts aforementioned, around 49% of them fall into the $0-300K and $300-500K price segments, despite these segments having together made up around 67% of the overall market share back in 2019.


Benefits Of Investing In Commercial Real Estate – Ideas Plus Business

There are lots of benefits of investing in commercial properties. They include:

1. High returns
As the popular saying goes, the higher the risk, the higher the reward.

Commercial property returns and far more attractive than those of residential properties.

A research study conducted by the National Council of Real Estate Investment Fiduciaries found out that commercial real estate investments have an average return of 12.7 percent annually compared to residential properties which have an average of 8.8 percent.

More space attracts more tenants which results in more money in your bank account. This is one of the best choices for an investor who wants to diversify his or her portfolio.

2. Good tenants
It can be hard for investors with residential properties to find tenants who will look after the property like their own. On the other hand, commercial properties attract corporations and businesses.

Since the tenants are backed by their organizations, they are more likely to take good care of the property. Good tenants will make your life easy.

3. Long-term leases
Commercial leases are usually longer than that of residential properties. They normally start from six to twelve months.

If you ask around, you’ll find out that most properties have been leased anywhere from five to ten years. For the investor, this means lower vacancy rates and turnover costs.

Long term leases are linked to reliability and positive cash flow. Commercial investors can end up dealing with undesirable tenants for a long time.

However, they can avoid this by following the law and appropriate application processes.

4. Easy to increase value
One of the major differences between commercial and residential properties is how the property values are determined.

Residential real estate is greatly influenced by other similar properties while commercial properties are impacted by how much revenue they generate.

In short, the higher the revenue a commercial property generates, the higher the property will be valued. With qualified tenants, commercial investors will witness an increase in value faster than residential properties.

5. Triple net leases
Triple net leases vary depending on the situation. However, they are extremely important for investors with commercial properties.

A triple net lease ensures that the tenant handles all property expenses including taxes. All the investor has to pay is the mortgage.

Big organizations such as Walmart and Starbucks sign this lease to maintain the look and feel that goes hand in hand with their branding strategy. The tenants manage all other costs while the investor pays maintenance costs only.

There are different types of leases that you can adopt. However, a triple net lease will accelerate your progress.

Six Fresh Trends Shaping the Face of the Real Estate Industry – Digitized House

Trends are an ever-changing phenomena, whether it’s the fashion industry, music, business, technology, or real estate market. These shifts, however, may not always be positive for the respective genre. But in the case of real estate, things are looking up. As 2019 winds down and we head toward 2020, there’s a strong movement toward real estate technology, known as PropTech. Let’s take a look at PropTech and other fresh trends that are shaping the real estate industry.

  1. Tech Companies Entering the Real Estate Sector
  2. Increased Investment in PropTech
  3. Green Is hot
  4. Alternative Forms of Housing
  5. New Technologies Are on the Rise
  6. Increasing Social Impact on Investment

Concept house - 70

How to Sell A Multifamily Property Fast for Cash – Highest Cash Offer


Review All Leases & Tenant Rights

It’s absolutely critical to review all the leases and occupancy for each unit in your multifamily home before you put the property on the market. If you plan on selling the home with tenants remaining in the property, potential buyers will have several questions for you regarding leases and occupancy. These questions include what are the terms of any remaining leases, the rent amount and what it includes for each unit and are there any security deposits being held.

You also need to be cognizant of the rights of your tenants, which are different from state-to-state. Be sure to review your local tenant rights before putting the home up for sale.

Selling a multifamily home with tenants on extended leases can be an extremely difficult process. Your chances of a sale will improve dramatically if the home is empty.

Prepare the Property for Prospective Buyers

No matter the type of property you plan on selling, you must make sure it’s prepared for prospective buyers to view. In most cases, multifamily homes are viewed as investments, so a buyer isn’t going to want to invest in a home they believe needs a lot of work.

When preparing the home to be viewed, ensure all the doors and locks on the property are working properly. Few things look worse to a potential buyer than struggling with a troublesome door or fidgeting with a faulty lock.

If there are designated parking areas on the premises, ensure they are clearly defined and in presentable condition.

If there any common areas on site, be sure to tidy them up before any showing.

Finally, don’t forget about curb appeal. Simply dressing up the front door, sweeping sidewalks or walkways and trimming bushes or flower beds can help make a great first impression.

Key trends impacting the Tampa Bay market in 2020 – TBBWMAG

While there are many factors that could put the U.S. economy at risk, from trade issues to record-high stock values that simply can’t keep increasing forever, there are also many reasons to feel confident about the economy in 2020 and Tampa Bay’s outlook.

For example, the U.S. cranked out an average of 180,000 jobs a month in 2019, leading to an unemployment rate of 3.5 percent in December – the lowest in 50 years. Job openings were at an all-time high at the end of the year and wage growth finally began to accelerate. One of the most telling stats is the quit rate, or a number of people who leave a job willingly, which is currently at a record high nationally. This means the average worker is confident they can leave a job’ and find a new one, which wouldn’t be the case if there was widespread economic uncertainty on the horizon.

At the local level the Tampa Bay economy is still in great shape, Thorpe said. The market ranks no. 13 in the country for job growth and the 3.1 percent unemployment rate was well below the national average.


Home Selling 101 For 2020 – Tre Pryor

Real estate isn’t just a matter of training how to “talk” to people and convincing them to buy your property. A huge part of it is ensuring you’re providing them with the kind of product that they’ll surely buy – not just because they want it, but because it’s the best option for them. Home selling 101 is putting your home’s best foot forward. From the elements of the property itself to the updates to the presentation—making sure everything is in tip-top shape. Below are four keys to focus on that will make your house sell quickly for the highest possible price.

  1. Aesthetics Seal the Deal
  2. Repairs and Updates Can Improve Your Price
  3. Sometimes, It’s Location, Location, Location
  4. Documentation Matters

Home selling 101 means tackling all the important things. When it comes to a successful real estate transaction, it’s not just about a slick salesman. It more about what you are offering. Nothing makes a home sale better than actually showing off a good home.

With the above considerations in mind, you’ll have a good set of things you may want to ensure you have before you proceed with your home sale. And if you don’t have these elements in check, you might want to revisit the drawing board and plan your house sale accordingly.


Mortgage Interest Deduction

The current mortgage interest deduction covers debt up to $750,000 and was created as a way to make homeownership more affordable for buyers. This was scaled back from $1 million beginning in 2018. What it does is cuts the federal income tax that a qualifying homeowner pays by reducing their taxable income by how much mortgage interest they pay.

There is an exception to the law for buyers who were under contract by December 15, 2017, and closed by January 1, 2018. Another exception involved refinances, where the law treats the new loan as if it originated on the original loan date, meaning the $1 million would apply.

Property Tax Deduction

In the past, homeowners were able to reduce their taxable income by the total amount of property taxes paid. However, this has now been reduced to a total of $10,000 for the cost of property taxes along with state and local income taxes or sales taxes.

Home Equity Funds

Homeowners used to be able to borrow against their home “for reasons other than to buy, build or substantially improved (their) home,” meaning an owner could have borrowed from a home equity line of credit to help pay for a child’s college tuition and used this as a tax deduction. However, this too changed in 2018.

Now, interest paid on home equity debt can only be deducted if the money was used “to buy, build, or substantially improve the taxpayer’s home that secures the loan.”

Mortgage Interest Deduction Changed for Second Homes

Homeowners can continue deducting interest on mortgage debt for both their primary and second homes, but the $750,000 limit of eligible mortgage debt does apply as discussed above.


Expert home seller advice by a top Real Estate Broker

In this article: How to sell your house without paying for updates. Learn how to get your property ready for the market and protect your money. If you’re like me you’d want to get the absolute highest and best price selling your house. Obviously, if my house needs a bit of TLC it won’t be winning any awards or grab the same price as the house down the street featured in Curbed that just sold. That house is in better condition and has a view of DTLA.

If you live in reality and follow this advice you’ll earn more money in the sale of your home every single time.

Getting your home ready to be offered for sale on the MLS represented by a local Realtor.

Side note – You could offer your house for sale “off-market” or “pre-MLS” to test the waters for a higher price. When a house is offered as a “quiet sale” it appears to be more desirable or special to the general public. If it doesn’t fetch the price you want either adjust your selling price expectations or there are a few other strategies listed below to get top dollar.


Imagine the hunt for Prince/Princess Charming sans crappy one-night stands, catfishing, lies, and the “not ready for commitment” factor. The Multiple Listing Service (or MLS—a large online database of homes for sale) is like Tinder or Bumble, but instead of swiping right for your next potential date or possibly the man of your dreams, you are hunting for a prime investment to build your personal wealth—and this fish wants to be caught! The outcome? You’re the one who owns the castle and all the equity that goes along with it. 

Looks can be deceiving

I’m going to break down and demystify the whole property buying process for you, so whether you’re ready to take the leap to buy something now or two to five years from now, you will have a plan of action.

The past does not determine your present

I’m encouraging you to start thinking of real estate not as the conclusion to a love story, but as the building block to your financial future.

Why aren’t you married yet?

The most annoying question of all time. Learn how real estate can turn you from a bystander into the star of your own life.




Exteriors renewing

Selling empty properties means that interiors photos will not be quite as appealing as they would be for a furnished property, so it is vital that the exterior photos are exceptional. So how to make the exteriors be stunning? Don’t think it is a big problem. Take it easy and write down basic things which need to be done. For example, repainting the wall and the fence, mowing lawn, sweeping out all the dead leaves, collecting litter or removing broken objects are necessary to be listed… After finishing these things, your exteriors will look like new again. If possible, you can make use of empty land to plant some flowers or tiny trees. Try to make the exteriors stand out, because customers prefer to see something in those photos that will make them want to arrange a viewing.

Interiors preparation

Even though interiors is empty, it still needs some touching up because empty rooms can reveal many little flaws, scuffs, nail holes and cracks which you may have never noticed. However, these problems can be fixed by putting a fresh coat of paint on the wall. Painting rooms not only gives you the opportunity to neutralize the colors if your chosen hues were on the bold side, but also helps to convey subtly a sense of newness. Floor is another part you should keep an eye on if removing your furniture reveals worn-off wood finishes, dingy carpets, or blackened grout in high-traffic areas. Damaged sections of flooring will make the house look like abandoned, so if your budget allows consider getting them repaired. If this is not feasible then hire a good floor cleaning machine and tidy them up as best you can.

Staging the empty house

Empty rooms can be difficult for buyers to get a clear sense of how big the rooms. Empty dining rooms or bedrooms may actually appear smaller than they are, making buyers nervous about whether their furniture will fit. However, this problem can be fixed by adding a few tasteful items that can anchor the eye and show the relative spaciousness that your home offers. A neatly-made bed in the master bedroom can work well, or a painting hung near an accent chair in the living room. If you haven’t got the furniture to spare, you can use virtual staging service which doesn’t cost much. Using this service, you can stage your house with computer-generated items and your house will look like fulfilled and stunning as a furnished house.

Somewhere Only We Know

Easy ways to sell a property to a buyer even when you don’t speak their language – Kyero

One of the useful functions of Kyero we often talk about is the ability to translate your listings into 13 different languages. But some agents we speak to are reticent about using this to market themselves to international buyers because they’re worried they won’t be able to speak to them in their own language if they make an enquiry. To give you a little bit of extra encouragement we’ve come up with a few ways you could overcome the language barrier and make those international sales.

  1. Establish if there’s a common language
  2. Use Google translate
  3. Use a translator
  4. Let the property do the talking If you really can’t find a suitable way to communicate that works for both parties, there is another option – you can let the property speak for itself.If you provide the right information on your Kyero listings, provide attractive and honest photographs and use the Kyero translate function, your buyer will already have got a very good idea about the details of the property and whether they’re interested. The viewing should then become a formality.In which case you can guide the buyer to the property, point out the things that make it particularly special and let them make up their own mind.
  5. Establish key features to find the right propertyIf you receive a request for help from a potential customer with whom you can’t find a common language, it may be a good idea to aim to narrow down their search criteria so that you can focus on finding a property that meets their needs. Try using one of the methods above with the intention of establishing exactly what the enquirer is looking for. You’ll then be able to scour your portfolio for the right thing and avoid wasted time and frustration on both sides.Whichever method you choose, there’s no need for language to be a barrier to a successful sale.



Hire Property Management Agency! – Morris Invest

If your goal is to maximize your profits and expand your portfolio, then managing your own investment properties wouldn’t be very practical, even if you feel you’re capable of pulling off the job. This is where a property management company comes in. They can successfully manage your real estate investments and ultimately funnel more money into your bank account! Here are reasons why:

  1. Avoid Financially Draining Vacancies with Proper Marketing Strategies
  2. Escape Financial Risks by Weeding Out Bad Tenants
  3. Efficient Rent Collection Ensures a Consistent Cash Flow
  4. Boost Your Revenue by Achieving Higher Tenant Retention Rates
  5. Save Thousands by Letting a Management Company Handle Property Repairs
  6. Build Great Wealth by Investing in the Best Rental Markets
  7. Grow Your Portfolio by Seeking Out Other Profitable Real Estate Investments
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Car Ownership Tips to Save You Money

With more than 75 million cars sold in the world every year, there are a lot of car owners out there. While some of these have been sold to companies in fleets or used by companies as employee cars, many have been sold to individuals for their own personal use.

Having a car is incredibly freeing, but can also be expensive. There are many costs that go along with car ownership, and the amount you spend can add up. As a result, car owners (whether they are individuals or companies) are looking to save money any way they can. Without any further ado,  this article is going to go over a few car ownership tips to save you money.

Utilize Fuel Cards and Other Perks


If you own a fleet of cars or other vehicles for your small business, you know how expensive it can be. Between maintaining them and getting them filled with gas all the time, the costs can add up. Thankfully, many companies offer fuel cards that not only allow you to save money, but also save time and track/improve productivity. Be sure to check iCompario to compare some of the best fuel cards and the benefits they offer.

However, these types of benefits aren’t just for companies. There are several credit cards and loyalty programs out there that can help you get cheaper gas at the pump, along with other benefits. So if you drive a lot too and from work or school, or use your car to drive for work, be sure to look into these. They have the potential to save you a ton of money if you spend a lot of time driving one way or another.

Shop Around for Everything

Another way to save is to make sure you shop around. You need to shop around for the best car insurance, the best financing option and the best shop to handle maintenance. The more places you look, the better chance you will have at finding a great price and deal.

However, this “shopping around” begins even before you buy your vehicle. You should be sure to shop around various dealerships and look at a number of vehicle options to match your needs. If you run a small business with a fleet, compare all different makes and models that can do the job.

Of course, in addition to cost, be sure not to forget about things like reliability and quality. Buying the cheapest option will save you money in the short term, but could cost you a lot more in the long term.

Perform Routine Maintenance Checks


The biggest cost of buying a car is, of course, the things like monthly payments and down payments. However, maintenance can also cost a pretty penny if you’re not careful. If you are driving your car frequently, getting routine checks every now and then is a very good idea. Sure, they will cost you a little but can save you from a larger bill down the road.

Getting maintenance can help your fuel economy in some cases and can get you more time out of your car parts. It will ensure any potentially serious issue can be dealt with before it becomes a major hazard. If you simply never take your car in, you may never know when something needs fixing until it is too late.

In conclusion, the tips outlined in this article should be able to help you save money when it comes to owning a car. There can be a lot of costs associated with ownership, so saving some money where you can is a good idea.

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5 Tips on How to Get an Excellent Credit Score

A credit score is an analysis of your credit; it represents your creditworthiness. It relates to how likely you’re to repay your debts. 

Having a good credit score is beneficial in numerous ways, including lowering your interest rates on loans, and it’s a key factor that lenders consider when assessing your funding requests.

There’re numerous models of calculating credit scores, but Fico, one of the leading scoring agencies, puts an excellent credit score anywhere at 800-850.

In the article below, we shall highlight the top five tips for improving your credit score. 

However, understand that the journey of improving your credit score is not a sprint but rather a marathon. It will take time, and you need to be patient.

Always Pay on Time

First things first, always keep your debts in the green, and this shows the creditors that you’re responsible for your debt.

Experian states that payment history heavily influences your credit score.  It usually forms the basis and the most influential factor of VantageScore and Fico.

Remember that credit score is a reflection of your ability to repay your loan timely. From the creditor’s perspective, if you have an established history of timely payment, it’s a good indicator that you can handle your future debts responsibly.

Therefore, you would want to stay at the top of your payment and avoid issues such as late payments, defaults, repossession, or third party collections.

Anything that may indicate a non-performance of a loan, such as filing bankruptcy, is going to dent your credit score severely. 

While at it, it’s worth noting that staying on top of your payment not only applies to the conventional lenders, but also other entities such as bills, including utilities, rent, and cell phone services.

Optimize Credit Utility Ratio

Creditors often compare your credit utilization rate when determining your credit score.

Credit utilization refers to the amount of credit card balance compared to the credit limit.

Generally, the scoring agency recommends that your credit utilization stays below 30%.

There’re numerous methods that users can employ to shrink the balances owed while at the same time maintaining or increasing the amount of credit.

Here are some of the common methods of improving the credit utilization rate listed by Fundera;

  • Paying more than the monthly minimum;  this helps to reduce the card balances
  • Asking for a higher credit limit
  • Leaving your card open after paying them off

Leave Old Debts On Your Report

I know it’s tempting that once you’re through with the student loan or even mortgage, you might get impatient and want to rid the loan from your reports.

But as long as your payments were timely and complete, no need to scrape them off.

In any case, they may have a positive impact on your credit score.

See, many of the lenders will usually go back in history to see your credit metrics and loan performance. And if you have an account with a long history and a solid track record of paying your loans promptly, it shows you’re responsible.

Regularly Monitor Your Credit

Human is to error, and at times, there might be inaccuracies in your credit report.

Regardless of whether they’re unintentional, they can derail your journey to a great credit score.

So, you must be always up to date with your current financial status.

Regular credit monitoring is necessary, and if you catch any inaccuracy on your credit report, you can file a dispute to the scoring agencies, and they will rectify.

Regular monitoring of your credit not only helps you to see all your financial accounts under a single roof but reviewing them may also be an incredible way of spotting inaccuracies or even instances of security theft.

Take Advantage Of Score-Boosting Programs

Experian and Fico are the leading scoring agencies in the market.

These two agencies have programs that allow consumers with thin credit profiles to boost themselves.

The Experian Boost program, for instance, will allow you to incorporate online banking data, utility payment, or even communication to your report.

While these programs will not improve your credit rating in leaps and bounds, it will still have a positive effect on your overall score.


Raising your credit score is easier than you think.

While the mentioned tips are by no means conclusive, following them religiously will see your credit rating improve in no time.

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Top Business Tips for Starting a Small Business

Starting a business is a dream most people have had at some point in their lives. However, very few people actually take bold steps needed to make this dream into reality. If done correctly, starting a small business can be one of the most rewarding experiences you can have in your life. While it will certainly come with a lot of challenges you are going to have to overcome at the end of the day you will be able to tell yourself that you’ve achieved something great which you can really be proud of. If you are ready to commit to the idea of starting a business there are certain things you should keep in mind that will help you set yourself up for success. So, without further ado, let’s take a look at the top business tips for starting a small business.

Get personally invested

By far the most important thing to keep in mind when starting a small business is that you have to be passionate about seeing your business succeed in order for it to actually do so. Getting personally invested in your business will give you the drive to put in extra work and go above in beyond when working on it. On top of this, if you don’t feel connected with your business the work you put in will seem unfulfilling and you won’t be able to find the drive to keep going during hard times. 

Secure your funding as soon as possible

Funding makes up the lifeblood of every business and as such is essential for its success. In fact, lack of capital represents one of the most common reasons small businesses fail, so making sure you have enough funding should be one of your top priorities. There are many paths you can take when deciding how you are going to fund your business. The one most people take consists of a mix of different sources of funding, most notably getting as much as they can by saving and borrowing from their friends and family and covering the rest with a traditional business loan or opt for quick easy loans in case they need the money quickly. On top of this, there are a lot of alternative paths you can take. If you think your business idea has the potential to generally interest people, you can try to get the money you need through crowdfunding or other alternatives such as angel investors or venture capitalists. At the end of the day, the path you choose should ultimately depend on your personal needs, possibilities, and preferences. 

Find a partner

One of the best ways to make the process of starting a small business easier, especially if it’s your first one, is the find a suitable partner to help you through the endeavor. Not only will it become easier for you to fund your business but you will also have someone to bounce ideas off, share the workload with and if things go south, share the responsibilities with. However, you should remember that starting a business with someone can really impact the relationship you have with that person. So, you should make sure it’s someone you can fully trust and rely on to stick with you through whatever the two of you may have to deal with during your partnership.

Have a plan

While getting personally invested, securing your funding and finding a partner are all things you should do or consider before starting a business the one thing you simply just can’t go without is a plan. It will represent the foundation from which you are going to build your business and will also give you a constant reference point you will always be able to turn to and remind yourself of what your aims and goals are. A plan will also help you determine if your business idea is going to be worth the time and money invested in it, which is especially useful information especially if you plan on looking for outside sources of funding for your business.

Don’t stop learning

When starting a business, it’s important to keep in mind that everything should be viewed as a lesson. Even though there are extensive books and articles written on the subject, really knowing how to set up and run a small business from scratch is a skill that you can really only acquire through experience and a good attitude towards the whole endeavor. Because of this, you shouldn’t get yourself down when something doesn’t go the way you planned, instead, you should view it as a positive experience that will prevent you from doing the same mistake again.


While this list doesn’t consist out of everything you need to know when starting a small business, the tips listed here will help you put your small business on the right track for success and ultimately make the whole process a lot less stressful and pleasurable. With that being said, the most useful tip you can keep in mind when starting a small business is to just keep going. No matter how hard it gets or how many obstacles you face, the only way to succeed is to not give up and constantly strive to improve.