Tag Archives business

Looking Professional While Working from Home

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Today we want to talk to you about looking professional while working from home. 2020 brought many changes that few of us really anticipated. At the start of the year, many of us had planned out the twelve months ahead as we usually would, completely unaware that by March, the whole world would be gripped in a global pandemic.

Many of us have had to radically alter our day to day lives in an attempt to slow the spread of the virus and keep both ourselves and others safe A major change that many of us are still settling into? Working from home. Now, working from home can have its benefits. Not only does it keep ourselves and others safe, but it cuts out the expensive and draining commute, means we can work comfortably in our own spaces and we have more resources and time available to make delicious and healthy lunches on our break. But one thing some of us have found ourselves struggling with is maintaining a professional presence. Here’s some advice that can help you with this!

Looking Professional While Working from Home

Photo by Ogo on Pexels

Avoid Going Full Casual

Sure, you might not want to wear full, formal office wear when working from home. But you should avoid going all out casual too. Signing into a video meeting wearing a tracksuit probably isn’t going to give the most professional presentation of yourself to those you work with. Instead, go smart casual. Something that is comfortable, but that doesn’t look all too sloppy. If you have an important meeting, you should still make the effort with a suit or nice dress like you usually would. You may even want to accessorise in ways people can see from the video call – you could Shop Patek Philippe watches. This will give you better chances of career progression, as you are clearly taking your job seriously.

Stay Groomed

You should also make an effort to stay groomed. This means avoiding rolling out of bed straight onto your laptop and still making the effort that you would if you were going straight into a real office. Shower. Do your hair. You may even want to do your makeup if that’s what you’d usually do. Treat your job just as seriously while working from home.

Looking Professional While Working from Home

Photo by Ola Dapo on Pexels

Create a Dedicated Workspace

Creating a dedicated workspace is important for your comfort and productivity anyway, as well as helping you to create a more healthy work life / home life divide. But it also helps to make you look more professional when you sign into video meetings. Working from the sofa or bed doesn’t give across the air of professionalism and productivity that calling in from a desk will. So, if possible, try to create a dedicated workspace where you can comfortably sit and concentrate on your work.

Sure, remaining professional while working from a place you associate with comfort and relaxation can be difficult. But it is possible and is something that we should definitely get used to! Hopefully, some of the above information and direction will give you guidance and really help you to secure that professional image!

 

Read more lifestyle and business articles at ClichéMag.com
Images provided by Creative Commons, Flickr, Unsplash, Pexels & Pixabay

Black-Owned Beauty & Wellness Brands To Support During Black History Month

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Now more than ever, it’s important to lift up the Black community. What better way to do this than to honor and celebrate black-owned businesses this Black History Month. Below are some Black-owned beauty and wellness brands to support this February—and every other month of the year.

black-owned businessesBody Complete Rx

Body Complete Rx (BCRX) is a wellness and lifestyle brand with a holistic approach to healthy living that offers a complete range of plant-based, vegan nutritional supplements, products and apparel designed to help customers discover what it feels like to achieve their best self. The Black, female-owned company was founded by Samia Gore in 2017 after the busy mom of four found it difficult to maintain her weight and self-care journey. Gore’s venture has proven to be successful; in just three years, the self-funded brand created by women for women has garnered thousands of healthier and happier customers, including celebrities LeToya Luckett and Kenya Moore. Products range from all-natural, vegan protein powders and multivitamins, to calming relaxation capsules and energy drops. 

black-owned businessesThe Honey Pot Company

The Honey Pot Company is  the first full plant-derived, all-natural feminine care system in the market founded by black female entrepreneur, Beatrice Dixon. Founded on the belief that all products should be free of chemicals, parabens, carcinogens and sulfates, The Honey Pot Company offers an extensive range of organic and natural feminine care products for humans with vaginas. The Honey Pot Company’s mission is to educate, support, and provide people around the world with the tools and resources that promote menstrual health and wellness. The Honey Pot Company’s products can be found across the nation in select stores at national retailers including Target, Walmart, Walgreens, CVS, Whole Foods, Bed Bath and Beyond, Urban Outfitters, and Wegmans locations, as well as online at www.thehoneypot.co and select retailers. Products range from natural menstrual products such as tampons, pads and cups, to panty sprays, vulva creams and much more. The brand also has a Mommy-To-Be collection consisting of wipes, a hygiene wash, postpartum herbal pads, among others.

Alaffia

Alaffia was born from a deep sense of responsibility and genuine love for humankind. Officially founded by Olowo-n’djo Tchala in 2003, Alaffia is a green, clean and fair-trade beauty company that is redefining the natural products industry through its values of beauty, equality and empowerment. Women in West Africa handcraft indigenous, fair trade ingredients, such as unrefined shea butter and African black soap. These products are then crafted using traditional African recipes and methods at their U.S. headquarters in Olympia, Washington. Proceeds from the sale of their beauty and grooming products are returned to communities in Togo, Africa, to fund community empowerment and gender equality programs, including maternal health care, education, regenerative agriculture and reforestation. Products range from bubble baths, body washes, hand soaps, body lotions, shampoos, conditioners, deodorants, shave creams, and more. 

 

Read more business and beauty articles at ClichéMag.com
Images provided by Body Complete Rx, The Honey Pot Company and Alaffia

Kyle Klaus is not your typical actor

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Kyle Klaus is not your typical actor. He hails from atypical acting roots, from a sector of work entirely unrelated to the screen, that is real estate. His business acumen has lent to becoming a millionaire by the age of 30 and starting a line of successful businesses in the NJ area. This smartly provided the cushion he needed to pursue the acting career he always wanted. Since, he’s premiered in “The Blacklist,” “Billions,” and “Homeland” among others. 

Klaus discusses with Cliche Magazine the intersections of his dichotomous lifestyle. 

Working in real estate was your solution to avoiding the life of the starving artist, but you’ve made quite a name for yourself founding Prestige Properties as well as becoming a millionaire by the age of 30. How do you feel about achieving such success at a young age? What do you attribute this success to?

I attribute my success to an insatiable hunger and drive for greatness. You get to a certain level and you’re still not happy with it. That is because it’s not about a destination, it’s more about growth. You are either growing or you aren’t.  You are either improving or not.  I’ve also always known that real estate was a means to an end  – meaning that if I could keep working really hard and saving up, and making the right investments that it would set me up early on at a young age for later in life.  Then when the acting projects and opportunities came up – I would be able to take those and not worry about what was next, or if it was going to be a hit, or if it was going to make my career take off.  I would always be able to have something else there, and wouldn’t be worried about my acting career, especially since there are so many variables to whether you get a job or don’t, or you have a successful career and are famous or not.

What are some similarities and intersections you’ve found in acting and entrepreneurship? Are there things you’ve learned working in real estate and founding your own business that you apply to acting?

Yes, definitely.  Probably the most apparent is that you are your own CEO.  I know people say that about acting all the time, but I don’t know if everyone really gets it. In acting, you have to make sure you understand your audience, what they want from you, and try to give them some of that.  Also that your “craft” is on point.  That is just like your skills or quality in business.  Also – there are many other things like dealing with people, organization, scheduling, and also hiring/ outsourcing things that will free you up for better uses of your time.

What are surprises about the acting industry that you hadn’t realized before entering as an actor?

I think the biggest thing is that you really don’t need too much to get started and be successful.  You really just need your talent, a headshot that represents you well, and opportunities.  That’s it.  People get so caught up especially in the beginning that you need some amazing reel, marketing materials, all sorts of classes, etc.  There are businesses that prey on the neediness of actors.

You’ve managed to find the best of both worlds in both finance and art, two dichotomous fields. Do you have any advice for those out there who are struggling with choosing between a realistic aspiration versus a creative passion?

This is just my opinion and I may be wrong about this – but I don’t think you have to choose.  I think too many people allow others to affect their thoughts and their actions. I think it’s all just BS. It’s my hope that people can start saying “F.U.” to a stereotype.  I can be an artist and I can be an intellectual.  I can be creative and I can be a finance wiz.  I can be a computer engineer and I can be a painter.  Yes, they might be different sides of the brain you use, but why not work them both.  I think it makes you more well rounded and I also think that you should strive to do something you don’t think ANYONE else has done just because it’s not the TYPICAL way to do things – from what you think or have been told.

You mention to Authority Magazine that you worry about the socioeconomic effects of wealth disparity on vital financial literacy and knowledge. How do you think that we can work towards solving this issue? Do you have any specific plans?

I really don’t yet.  I know that I grew up not learning ANY of that stuff, and just through my own reading and learning have learned more real-world things that many of my friends that went to school for finance or economics or business have.  With all the resources we have handy these days, I actually believe that people can learn and become experts in anything they put their minds on.  Take for instance YouTube.  Years ago we didn’t have this thing that we could just type into a search bar and find tips on ANYTHING you wanted.  I know a lot of guys on there, including myself, teaching real deal type life financial lessons and I just hope that people that need it, find it.  I mean – I just found a video last summer on “how to clean my gas grill” because I didn’t know and I figured I would just “youtube it” – sure enough, I found a perfect video with visuals.  It’s out there and basically, anyone with internet access can watch it.

Are there any future endeavors – anything at all – that you hope to accomplish post-Corona?

Well, I really hope Corona goes away really soon for all the reasons possible, especially for acting. I miss so much being on set.  I really have a lot of things I want to accomplish there and it hasn’t been easy and productions haven’t been going on as much because of corona.

Lastly, to paint a more humanizing portrait of you, I would love it if you could speed run through a couple of “favorites” so that readers get a better sense of who you are.

  • Favorite book: The Subtle Art of Not Giving a Fuck
  • Favorite piece of advice: Don’t talk about it, be about it.
  • Go-to Musical Artist/Album: Empire of the Sun
  • Favorite food: Porterhouse Steak Medium Rare

Is there anything else that you would like to say to Cliche readers?

You only have one life and there is an UNLIMITED supply of information out there at your fingertips. Whatever it is you want to do, but you may be feeling like you cannot do it – find ways to overcome those obstacles and focus on how to bring your dreams to life.  Once you figure out how to overcome yourself, you can do mostly anything.

This article has been lightly edited for clarity

Read more celebrity articles at ClicheMag.com
Images provided by Creative Commons, Flickr, Unsplash, Pexels & Pixabay

Emily O’Brien’s Comeback Snacks Offers Food For Thought

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From being manipulated to smuggle drugs to turning her life around by starting her own business, Emily O’Brien’s story will spark inspiration in just about anyone that comes across it. While still in incarceration, the idea for a business that combines “prison and purpose” struck her. And that’s how Comeback Snacks was born. Emily’s Comeback Snacks expands far beyond just gourmet popcorn, it is more so about second chances and equal opportunities. In this story, Emily takes us through the myriad hurdles she has had to cross in her fight for ex-inmates and their rights. 

To start off, I would love to know a little bit about you. Not just your story, but what you love to do, what you think your purpose in life is… that sort of thing.

I guess I would describe myself as perpetually curious, and always seeking to explore. My favorite destination is uncharted territory. Growing up, I was always at the library. An avid lover of non-fiction, my mom would constantly see me pulling home a wagon full of books on just about every subject: animals, computers, planets, crime (LOL), you name it. This love of learning led me to want to explore the world as soon as possible and, as soon as I turned 18, I was on a flight to Costa Rica to go volunteer for a month. Exploring while helping others really helps build perspective and it also helped me appreciate how fortunate I was to have the opportunity to embark on such journeys.

It also brought me a sense of calm. I was never nervous traveling, and although sometimes I almost gave my mom a heart attack (I may or may not have taken an overnight bus with chickens to Cuzco in Peru), I was more excited than scared. That being said, my purpose is to always be exploring in a meaningful way and to be helping others when I can. Exploring doesn’t have to be international however, it can be within your community, your city, or backyard. Again, it’s all about perspective. There’s always somewhere to go, and there’s always something to learn.

Could you give a glimpse into your backstory?

You mean the one where I went on a trip to the Caribbean with my then-partner and arrived back home at Pearson International Airport with two kilograms of cocaine strapped to my body which landed me a 4-year prison sentence?

Yep, that was an absolute nightmare, but the good thing is, nightmares don’t last forever. They scare us enough to wake up though.

Many, especially myself, look at my upbringing and are shocked that I ended up in that situation. Great family, a good education, good values, what could go wrong? The thing is because I was pretty introverted as a kid (the results of a bowl-cut and bullying), I didn’t really know how to socialize when I got to high school. Combined with pressures to fit in, I discovered alcohol. This became a pretty regular part of my high school weekend routine, which then became a part of my university routine, and eventually my adulthood routine.

But I never drank because I was sad—until I did. We went through a very challenging time as a family in 2013 and I didn’t know how to cope, so I drank and used drugs under the illusion that it was making me stronger. I knew it wasn’t sustainable, and when I met Mark in 2015 through work, I thought he was going to help me get sober. He was so kind and told me that he wanted to help me get through it, without the substances. He was so different than anyone I’d ever met. But unfortunately, his intentions were faker than a $200.00 Rolex.

And then?

He invited me on a trip with him, an all-inclusive vacation to St Lucia. Traveling with others was nothing new to me; after all, I embraced spontaneity and exploring. That was my M.O. His M.O., however, was for me to be his drug mule to help him cover some alleged debts he had incurred. Bait and switch. A week in the sun turned into a week in hell when he told me that I would be bringing drugs back into Canada with him. Oh boy. I did not have the qualifications for that, and after a mind-numbing plane ride home, I was sent into secondary screening and arrested. After being on house arrest for 2.5 years, I was sentenced to 4 years in prison.

However, this turned out to be my route to freedom. Instead of seeing it as the end, I took it as a challenge. This was my new beginning. If I did nothing good with this situation, I would truly lose. And I wasn’t about to lose because I knew I was capable of so much more. I had so much to offer the world and so much life ahead of me. So, I created a new life and a new direction—and it all started with popcorn.

Was there a specific moment when the idea for Comeback Snacks came to you, out of the blue?

I had been in prison for a few months, adjusting to my new “home”, with my new family. I went in with an open mind and took every minute as a learning experience. After hearing the stories of others, I began to realize that we had all gotten there not because we wanted to harm people, but because we all had gotten caught up in less-than-ideal circumstances that forced us to make an illegal decision. I also saw so much kindness and goodness in others, and so much potential all around.

I wanted to create something that could help shed light on this. We were having a Super Bowl viewing party and people had made various dishes. Food brought people together, it brought laughter, and it brought healing. Popcorn was also a popular prison snack, and I liked it because it was reasonably healthy. That’s when I knew I could combine popcorn and prison to create purpose.

 

 

Also, love the name! How did you come to choose it?

Originally, we were called Cons and Kernels, after I did a survey and found that it was the name of choice within the prison. But as we grew, we thought the name was a tad alienating. One of our messages is that we are all human and we all make mistakes, but we are also capable of making a comeback. After being out of prison for a year, that was exactly what we had done. We weren’t just cons—we had made a comeback—so, we changed the name to reflect the positive growth. Plus, it’s way catchier!

How did you use your business to turn your life around?

I used the business to create not just employment for myself but also to help spread a message and help others. Not only do we sell popcorn, but I also do speaking engagements with a variety of different audiences. Once you have positive momentum, you just keep going. It fuels itself. Having a busy schedule isn’t stressful, it’s what keeps me going. There is no turning back, but I think it’s important to look back to see the progress you’ve made.

How has this journey been for you? Could you comment on some of the ups and downs? What are some of the obstacles that you continue to face?

This journey has been full of excitement, frustration, fatigue, but overall, been incredibly fulfilling. I don’t see obstacles as obstacles, I see them as hills, and conquering hills is good. They might leave you out of breath, but they make you more mentally and physically fit.

The biggest hill I’ve had to climb is fighting for my mandate with the correctional system. When I came out, they didn’t want me hiring others that had criminal records. After a year of back-and-forth (and me being reallllly persistent), I was granted the “privilege” of being able to hire those that needed work. It was the best boxing match I’d ever won. Aside from that, there are industry-related obstacles, like figuring out pricing and distribution, product delivery, and much more, but again, I like to learn. I call it my “lived experience MBA.”

How has the reaction to your business been?

Overall, it’s been great! In the beginning, there are always nay-sayers, no matter what business you have, but that was motivating to me. The best way to silence stigma is through proof. And when you can make your mission relatable—like centering it around the fact that we ALL make mistakes and we ALL struggle and we ALL have made poor choices at some point in our lives—it actually brings people together rather than pushes them away. Also, it helps to have a good product to go with your mission. We made sure ours was top-notch, with a variety of unique flavors.

I would love to know how you wish to use your voice to change your community. What is the message you are trying to send with your and Comeback Snacks’ story?

The message we are trying to send is that no one is immune to struggle, and no one is immune to making mistakes. We have all had to ask for forgiveness, and if we want to receive it, we need to be willing to give it as well. Second chances can really save individuals, families, communities, and the world.

Follow Comeback Snacks’s  journey on Instagram, Facebook and Twitter

Read more lifestyle and business articles at ClichéMag.com
Photographs by Girl and A Camera.

21 Things You’ll Need To Make Your New Business Thrive In 2021

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Today we want to share 21 things you’ll need to make your business thrive in 2021.  Following an immensely difficult year in which job security has been at an all-time low due to the pandemic, 2021 is the year to regain control. Starting a small business is the perfect solution.

Whether it’s going to be your main job with immediate results or start out as a side outcome, you need to equip yourself for battle. The following features will help you claim the high ground.

make your business thrive in 2021

Photo by Andrea Piacquadio on Pexels

#1. A Winning Idea

First and foremost, you need a strong idea. Whether it’s selling SaaS technology, starting a decorating service, or becoming a retailer doesn’t matter. If the product isn’t up to scratch, any success in other areas will be futile.

There’s no greater excitement than having that Eureka moment. However, you must take time to analyze and scrutinize the idea. Because your prospective customers certainly will before making a purchase.

#2. Some Capital

Officially launching a business is now easier and more affordable than ever before. Nonetheless, you cannot expect to launch a business without at least a small level of financial backing.

The harsh reality is that standard business bank loans are harder to gain than ever before. However, you could look at funding through personal bank loans. Other options include your savings or crowdfunding ventures.

#3. A Great Workspace

Given the impacts of the pandemic and social distancing, it’s likely that you’ll start the venture from home. Therefore, creating a productive workspace is vital. Even if you plan to offer a local service, like plumbing or hairdressing. 

A winning workspace will help you stay productive. Moreover, it will establish a clear boundary between your home life and work life. This is essential for your mindset in both aspects of your life.

#4. Clear Goals

When setting out on your business journey, it’s important to remember that objectives can evolve over time. Nevertheless, you’ll never find the right path if you do not set your sights on the destination.

It’s great to have long-term goals, but you must also establish milestones along the way. This will enable you to create a clear sense of direction. Moreover, each success will boost the momentum and confidence to achieve more.

Pixabay CC0 License

#5. A Winning Team

Once your goals have been set, you’ll quickly realize that you cannot physically do it alone. Many hands make light work, especially as we all have different strengths and weaknesses. Your team will be vital.

The DNA of your workforce will be determined by the type of business you have. If it’s an online venture, remote freelancers will play a big role. If it’s a local service, recruiting local staff will be key. Either way, a strong team is your biggest asset.

make your business thrive in 2021of people doing handshakes

Photo by fauxels on Pexels

#6. Communication Tech

Assembling a strong team is one thing, but staff management is an equally crucial factor. When split across several locations, or hiring employees that work in the field, communication is vital.

Team messaging Apps and real-time project management tools are readily available. Likewise, video conferencing tools can reduce the need for expensive travel. It’s also the best way to maintain social distancing.

#7. Transaction Tech

There is nothing worse than losing a sale due to inferior payment facilities or leaving a poor impression at the point of sale. Therefore, ensuring that your software can take multiple payment types is vital.

Meanwhile, choosing the right systems to generate invoices will allow you to maintain a professional vibe. It’ll also save time and reduce the threat of bad debt from B2B and B2C clients that ‘forget’ to pay,

#8. Credit Checking Partner

An increasing number of businesses allow customers to make monthly repayments. As mentioned above, though, this does pose a threat. Unless you have the right credit checking agent.

A system that thoroughly analyzes a candidate’s credit score will result in a few lost sales. However, this will be compensated for by the fact it prevents sales to customers that will default on payments.  

#9. Online Presence

Even if you plan to run a local service, online marketing is vital. Over 76% of consumers research products online before making a transaction. Therefore, you need to ensure that your firm can be seen.

SEO should be at the top of the agenda while content marketing, PPC, and other key features must be added too. Traffic alone won’t guarantee success, but you cannot gain sales without it.

#10. Influencers

The consumer journey comprises several stages. They are; Awareness, Interest, Desire, and Action. Adverts and regular interactions will push users along that path, but there are other options.

Social media influencers, affiliates, and brand ambassadors are all good options. Their seemingly impartial recommendations will alter consumer mindsets. In turn, they will gain the intent to buy.

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#11. Financial Control

While there are many possible ways to define the term success, financial elements are constant for all. If your bottom line isn’t in good health, any other triumphs will become obsolete.

Building revenue is a long-term challenge that you cannot always control as much as you’d like. Luckily, the expenses can be reduced by cutting out the waste. Accountants are very useful. Meanwhile, a full audit of your spending can identify problems.

#12. Solid Protection

Financial efficiency helps protect the future of your business, but it’s not the only key feature. You’ve read the stats about cyber threats, which is why data protection and IT management is vital.

Further steps that you may wish to utilize include adding CCTV and alarms to your buildings or using security teams. Intellectual property is vital too. As well as copyrights, try to use non-disclosure agreements.

#13. A Clear Target Market

One of the big questions you’ll ask when starting the company is “how can I reach the largest audience?”. In truth, one of the best ways is to focus on a defined niche or target audience.

It’s better to get high conversion rates with a small group than none from a big audience. When your products, services, and branding are focused on their pain points, the rewards will follow.

#14. An Understanding Of Their Habits

As well as defining your audience, you need to know how they consume media and buy products. It could be as simple as knowing which social media platforms are used by different age groups.

Knowing how they interact with brands and products will allow you to build a sales funnel geared towards optimal success. Google Analytics and a range of insight tools will subsequently help predict the behaviors of new clients too.

make your business thrive in 2021of people doing handshakes

Photo by geralt on Pixabay

#15. Great Customer Care

Consumers are increasingly focused on UX. They want to work with reliable brands that actually care and build long-term relations. The customer care game is an integral aspect of the challenge facing modern startups.

If you are in a position to add Live Chat to your site, that’s great. Meanwhile, the benefits of VoIP can transform the customer services of SMEs. For microbusinesses, a virtual assistant is the answer.

Pixabay CC0 License

#16. A Knowledge Of The Competition

Market research should not be limited to your audience habits. If you wish to make your mark in the industry, you must familiarize yourself with what is on the market. Analyze the competition.

It’s not a case of wanting to steal ideas. Instead, the insight will allow you to find out how your brand can position itself as the best choice for clients. You have to do something new, cheaper, or better. 

#17. Good Partnering Companies

Your business won’t rely solely on its in-house team. You will quickly see that it doesn’t have to be your company versus the world. In fact, the companies that you work alongside can be your best assets.

For starters, you may look to a range of outsourced services like couriers and packaging teams. Meanwhile, teaming up with other SMEs may allow you to share facilities or build a joint audience. Mutually beneficial links are crucial.

#18. A Professional Appearance

There’s no escaping the fact that potential clients will form instant judgements on the business. Aside from the branding and products, they will inevitably make judgements based on your appearance. Harsh, but true.

That doesn’t mean you have to suddenly look like a supermodel or athlete. Nonetheless, a good fashion sense and beauty/grooming rituals will pay dividends. Good organization, such as always having a pen, can help too.

#19. Contingencies

If the pandemic has shown us anything, it’s that things don’t always go to plan. Therefore, knowing how you will respond to various situations is vital. It could be as simple as using a temp agency to fill in for absent employees. 

Alternatively, you may want to consider backup workspaces, meeting spots with clients, and tech setups. Even a backup internet source could pay dividends as you look to maintain productivity. Otherwise, minor issues could spell disaster.

#20. Passion

A lot of new business owners try to find a sector that they think they can exploit without any real knowledge. While it’s true that some industries offer higher ceilings than others, you’ll never reach them without passion.

Consumers can see straight through your intent, which will prevent you from gaining their custom. Besides, starting a business will involve a lot of testing moments. When you love the work, it becomes a far smaller issue.

#21. Confidence

Finally, the only way you’ll achieve your goals is with self-belief. You can do it! We hope you loved our list of helpful tips and ideas that will undoubtedly make your new business thrive in 2021.

Read more lifestyle and business articles at ClichéMag.com
Images provided by Creative Commons, Flickr, Unsplash, Pexels & Pixabay

Can Managing Everything in Your Home Business be Done Effectively?

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Can managing everything in your home business be done effectively?  If you’re running a business all on your own, you should feel proud of yourself right now! You’re keeping up to date with all your tasks, and you’re managing to ping every client back when they message you, and you haven’t had to tear out any hair yet – it’s a real, worthy achievement!

However, if you’re someone who’s thinking about running a home business, you’re going to need to learn some management skills as fast as possible. There’s a lot to be getting on with, and with the points below, we aim to help you manage your home business plans as effectively as possible. 

Have a Clear Business Plan

You’re going to need a business plan to follow overall, but you need it to be a clear one you can keep in mind to ensure you’re always on track to make this day a successful one. Because when you’re working without a business plan, you lose out on the productivity you really need on your side, and you won’t know when your business has grown out of the expectations you had for it. And when it does the latter, you definitely won’t be able to manage it on your own! 

Filter Your Mail

You’re going to have to learn how to filter your mail properly, to ensure you aren’t spending more than 20 minutes checking your inbox, and you’re not wasting time sorting physical mail for what seems like hours on end. Because in reality, it’s said that emails take up half of the workday, and you don’t have that kind of time on your hands right now! 

You need something to step in and take up the bulk of the work for you. And that’s why getting in touch with a online virtual addresses company could be your premium ticket here – only see what you need to see by handing out this address to clients and organisations, and even get your mail pictured and sent to you. After all, it’s much faster to sort through images than actual mail! 

Double Check Your Finances

managing everything in your home business

iGlobalWeb / Pixabay

Seeing as you’ve got a business all of your own, you’re going to have to be the bank behind it as well. You don’t have investors, you don’t have business partners, and you’re liable for everything that could go down – if you don’t have the finances to cope with such a situation, you could lose your business and everything that came out of it in just a few months.

It’s one of the most important things you need to focus on right now. You need to be able to pay your way, every single month, and you should never make a decision that threatens your current financial security. At least give yourself a year to build up the capital you need, and then consider those risky expansion turns you’d love to take. 

Managing a home business is quite the achievement; make sure you’re setting yourself up for success with tips like these.

Read more business articles at ClichéMag.com
Images provided by Creative Commons, Flickr, Unsplash, Pexels & Pixabay

Top 5 Money Management Tips And Ideas

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Today we want to share with you some great money management tips and ideas to help you keep your bank account balance out of the red. 

  1. Keep Track Of Your Expenses
money management tips and ideas

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The first step to managing your money correctly is by creating a reasonable budget for the same. This, however, means looking into your personal finance books to see what your expenses are against the total income. Looking into your expenditure will give you an idea of how much you spend per month, as well as identify a few spending habits that can be addressed/changed to cut down on expenses. You will be surprised how much that morning java takes up in a month.

In addition to cutting down on regular expenses, you’ll also want to review all your recurring costs. Keeping these expenses as low as possible should enable you to have some left-over change that can be saved for a rainy day. A good example is saving money that would have otherwise be spent on a posh apartment to use it on a house or condo.  The idea is to keep your expenses low and ensure they don’t exceed your income. Of course sometimes the unexpected happens and it will be necessary to take out a loan, visit Loanza for a great deal on a loan to help you through the unexpected.

  1. Create An Emergency Fund

It doesn’t matter how much you earn per month, or how deep in debt you are in – an emergency fund should be one of your top priorities. Whether required to pay for a credit card debt, a student loan, or a mortgage, experts recommend taking a fraction of your income and putting it in your emergency fund each month. As the name suggests, the emergency fund will come in handy if you are in financial trouble or have an unforeseen financial emergency. It would also be wise to set aside an amount as a non-negotiable expense. Such savings can save you big time, and even pay for a vacation.

  1. Start A Retirement Fund
money management tips and ideas

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Many people are quite reluctant when it comes to saving up for their retirement. Just like starting school (from kindergarten to college), it is never too early to begin saving for your future, and especially retirement. According to experts, you should start saving up for your retirement as soon as your first check/salary trickles in.  If employed, you can ask your employer to transfer your retirement benefits to the fund. The earlier you can start saving, the easier it will be, and the more money you will have upon retirement.

  1. Mind Your Health

Your health matters more than anything in this world. Taking proper care of yourself by leading a healthy lifestyle, and most importantly, taking health insurance, is one of the best ways to protect your investment and money in general. Accidents can be unpredictable, which is why you need some form of protection for the same. The worst thing that can happen to you is falling ill or being involved in an accident. The hospital bill can get to the thousands, which could drain both your savings and emergency fund in one go.

One way to protect your finances would be to shop around for a health provider offering the lowest premium rates. An adequate health cover, and leading a positive lifestyle by eating healthy, exercising, maintaining the recommended weight, and giving up habits such as drinking and smoking provides better ways to protect your health, as well as money.

  1. Protect Your Wealth

It makes no sense to work hard and never take proper measures and steps to protect your investments. If renting out a house, apply for renter’s insurance to protect your belongings from fire and burglary.  You might also want to apply for disability income insurance to protect your income.  Without any form of income, you wouldn’t be able to pay your bills, leave alone live a good life.

Have you been trying to manage your money but always find yourself in debt? You could find a fee-only financial planner to help with your finances. With a fee-only planner, you never have to worry about recurring expenses for their service.  You could also save even more by protecting your money from taxes. One way to do this is by creating a retirement account and ensure it earns interest throughout the years.  Putting your money in high-interest savings accounts, stocks, CDs, money market funds, mutual funds, bonds would be a wise move to protect your money too.

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Effective Tips in Choosing Worker’s Compensation Insurance

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Have you ever thought about strategies in choosing worker’s compensation insurance.  As a small business owner, you probably value protecting the company that you have helped to build from the ground up. Whether you have been operating for some time, or are just opening your doors, the step toward purchasing worker’s compensation insurance is a big one.

choosing worker's compensation insurance

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Hiring employees is an exciting sign of growth for a small business. You are probably obligated by law to purchase worker’s compensation insurance, but hopefully you also have an interest in protecting yourself and your employees. There are a lot of options for worker’s compensation insurance on the market, so here are some tips for choosing the right one. Check out the worker’s comp insurance at nextinsurance.com.

Hire an Insurance Broker

Insurance brokers are trained to know what you need as a small business owner. While you may be able to do this research on your own, using an insurance broker gives you a better chance at making sure your business is fully covered and at negotiating the best price for your policy.

Know Your State Requirements

Before you can purchase an adequate plan for your small business, you need to know what the requirements are for the state in which you operate. While it is true that every state requires you to have worker’s compensation insurance, each state will have their own guidelines that differ slightly from one another.

choosing worker's compensation insurance

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Have a Safety Plan

Just because you have good insurance for your employees, that does not mean that you want to have to use it. Creating a safety plan can give your employees a good method for avoiding injury. Further, it makes you look like a safe bet for the insurance broker who is working to help you get a worker’s compensation policy together.

Understand The Coverage

Before you settle on the worker’s compensation policy for your small business, it is important that you understand what typical worker’s compensation policies cover. You need to be prepared to properly evaluate what is offered to you when it comes time to sign the papers and make it official.

Worker’s compensation policies are generally broken into two separate parts. The first part covers bodily injuries during an accident while an employee is working for your business. This same part will also cover conditions that may appear due to the working conditions presented at your business (ie. Cancer causing substances). This will cover medical treatment, payment while unable to work, and will even cover the benefits no matter who is considered at fault.

The other part of worker’s compensation insurance protects the employer from any liability that might arise from injuries occurred while working. This is extremely important for the business owner.

Final Thoughts

Choosing the right worker’s compensation insurance is an important step for your small business. This is an insurance that is crucial for both your protection and the protection of your employees. Be sure to check your state laws and your own needs before you choose a policy.

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How To Manage Your Money Better In 2020

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We want everyone to know how to manage your money better in 2020.  Being able to manage your money effectively is not always something that everyone has the ability to do. However, with a bit of practice and some helpful advice, anyone can help manage their money better. Here are some tips to help manage your money better for 2020.

 How To Manage Your Money Better In 2020

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Start A Savings Account

Savings accounts are good to have because they can help encourage you to save. Being able to put some money aside each month, no matter how much that may be is really important. Seeing your savings start to rise can help motivate you to save more. Firstly find an account that can offer you some benefits, whether that’s cash back or a certain amount of interest on what you pay. Put in as much as you can manage each month and make it a payment that comes out like any other bills you have. This can make it a lot easier to get used to when you think about it as a bill. Let it continue taking the money and then check back on it several months down the line, and you’ll be surprised at how much you can save.

Pay Off Your Existing Debt

Debt is what allows you to lose money because you forget what you owe when you have amounting debt in various different pots. Try to pay off all your direct payday loans and keep it all in one place if you can, so it’s more manageable. When you’re taking out loans or spending money on your credit card, it’s important to remember that it’s not your money and that you need to pay it off as quickly as possible. If you have that attitude, you are less likely to spend more time having to pay it back. Remember that interest can end up being very costly too.

 How To Manage Your Money Better In 2020

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See Your Credit Card As An Emergency Use Only

A credit card can very quickly feel like another debit card, and therefore, it becomes easy to spend money that you haven’t got but know that you can always pay it off at a later date. Credit cards should really be used in an emergency only, and so it’s a good idea to make sure you’ve got this attitude towards credit cards, rather than to see it as free money that you can spend whenever you want. An emergency is where you can’t afford to pay for something, and that costs more than what you’d make in that month.

Create A Budget And Stick To It

Creating a budget is necessary for anyone trying to manage their money better because it’s likely that you don’t yet have one. Create it on an Excel spreadsheet to simplify it and make it easily accessible for when you need it. Log all your expenditures and how much income you have to live off for the month. This will help you to keep track!

Managing your money can sometimes be easier said than done, but these tips can help you save and manage your money better in 2020.

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2 Key Areas To Outsource In Your Business

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When it comes to your business, there are 2 key areas to outsource in your business.  The reason you should strongly consider this is because there are so many different support areas that you need to spend time, energy, and money on.  The truth is, your focus should really be elsewhere within your business.  There will be a reason or two that you will have gone into business in the first place, and this is probably somewhere that your skills and passions lay. But very often, due to the nature and practicality of running your own business, you may end up getting bogged down in administrative tasks that take your time and attention away from where you need it the most.

2 Key Areas To Outsource In Your Business

In order to achieve a more productive business, you should look at ways of streamlining your operations in order to take the pressure off yourself. Additional tasks such as IT support, payroll, recruitment, warehouse management, logistics, as well as buildings maintenance and cleaning are all essential parts of your business operation, they are not, however, the core elements. These aspects of your business may well support your team and allow you to all do your jobs, but they are not the elements that bring home the profits. 

When you are spending all of your time and effort chasing issues in these aspects of your business, then you are not spending time developing your key products and services. You are not progressing your business in a pro-active and productive manner. Ultimately, this could cause you to drop behind your competitors as you should always be looking to innovate within your own specific field. 

Outsourcing To Free Up Resources

When it comes to business support services within your organization, there is a better way of managing this. Rather than having your own in-house teams handling them, you could outsource these to specialist companies that have experience in managing this type of support area.  By outsourcing, you will find that you need less office space, and you will have fewer different parts of your business that you will need to manage. 

In this article we will discuss 2 key areas to outsource in your business that will allow you to keep your hands free for some more productive tasking. 

Technical Support 

2 key areas to outsource in your business

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It is pretty much impossible for a business to exist these days without some kind or reliance on technology. Whether you use IT systems for payroll, managing staff files, holding customer databases, issuing invoices and processing payments, or whether the entirety of your business is reliant on technology, you will need some degree of IT support.

This support may come in the form of installing and managing software across your network, managing your network and connections, installing and repairing hardware, or providing training and support to your teams in how to use certain equipment and specific software.

IT support is a massive part of many businesses, and it can entail recruiting and managing entire teams. Having this in-house requires you to have a high degree of knowledge in the areas that your tech support team will be working. 

Outsourcing IT support and advisory services are an excellent option for your business as you will gain the expertise and support of an established company that provides similar services to lots of other companies. All of this can be obtained without the need to worry about recruitment, training, retention and the need to deal with any performance issues that may arise amongst the team. 

Having access to industry-leading professionals will allow you the scope to grow you in the use of your technology as you will be better positioned to adapt to the changes in tech that could offer a positive improvement in your line of work. 

Another major factor of IT support that you will benefit from is that you will get the support that you need with your security concerns. Hiring an external company means that you could have IT audits carried out to ensure that you are in compliance with data regulations, and are able to identify and deal with threats to your IT infrastructure.  

Recruitment, Payroll, and HR

2 key areas to outsource in your business

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Human resources play a significant part in any business. But as your company grows, so will your HR problems. Whether you have one employee or one hundred thousand, you need to be compliant with all of the legal frameworks that surround HR and recruitment.  Often, when you are managing these tasks yourself it can be hard to keep up to date. 

Outsourcing all aspects surrounding the employment and management of your human resources needs will help you to ensure that you are getting the right people coming into your business. With all of the best will and intention, if you are not a recruitment professional it is often easy to get blindsided and pick the wrong person during staff interviews. If you have the wrong person in your team, then you will end up having a problem that you need to manage. Getting it right first time saves time and money. 

Having access to dedicated specialist recruitment teams will allow you to get the person that you are looking for without having to spend so much of your time having to worry about all of the processes of going through applications, contacting applicants, and doing any pre-screening and initial interviews that you need. A recruitment company can whittle down all of the people interested parties and manage the entire process for you. If you want to participate in the final interview stage where you have a few really great applicants, you can do. All-in-all this process will save you a lot of time, make you more productive, and ultimately it will be better for you financially. 

Payroll is an important aspect of your business that you should never get wrong. Problems in payments can cause your team to want to up-and-leave. Nobody likes to be paid wrong, and mistakes can end up being costly. But payroll can be quite a labor-intensive task to manage. Having these services outsourced to a specialist will mean that you will get more accurate and efficient payroll management. 

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How Alexa Curtis is Breaking the Traditional Mold of Influencers

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A powerful influencer at 20 years old, Alexa Curtis is changing the face of the blogging realm. Unlike many influencers on social media who portray the “perfect life” complete with flashy cars and an expensive wardrobe, Curtis built her career from scratch. As a young girl growing up within the public school system, Curtis experienced bullying from her peers and suffered from a lack of self-confidence as a result.

 

Curtis’ personal troubles in her school life inspired her to begin writing. Initially beginning her blog A Life in the Fashion Lane as a positive outlet for her struggles, her blog has now transformed into a valuable source for people searching for inspiration to fulfill their own dreams while doing so fabulously. From blog posts about self-love to the latest fashion trends, Curtis covers it all and invites readers to actively join her on her motivational journey as one of today’s upcoming lifestyle teen and parent bloggers.

Cliché: How did your personal experiences influence your blogging career?
Alexa Curtis: I come from a very small town in Eastern CT and attended public school my entire life. I always knew I was different and didn’t fit in with the traditional mold: I’d rather be in my room alone writing or dressing up than spending time hanging with other girls or playing sports. Because of that, I started getting bullied in the 7th grade, which is around the time I started my blog. For me, blogging was an outlet and became my “me” time while I was failing out of high school. I had an A in English and Ds in every other class! Once I began making money from social media, I knew I had latched onto something.

How did becoming an influencer alter your life as a writer?
Transitioning from a small town chick to a so-called “influencer” has truly changed my life and the way I view writing and business. Once I started my nonprofit, I realized that I have the power to inspire young adults across the globe and truly help them feel more confident in their bodies and follow their dreams. I like to consider my writing to be much more soulful and from the heart now, since I’m writing about more life experiences than fashion and style posts.

What made you want to pursue fashion?
Fashion was a way for me to express my personality without having to talk to people. I was so shy when I was younger, and seriously scared around boys, so I used fashion as my form of voice. I truly love finding new fashion brands nowadays that are startups and have similar messages to mine: about loving your body and being your authentic self.

Do you have any words of advice for girls struggling with their image?
Screw what people think of you. If I had listened to everyone who had said no to me along the way, I wouldn’t be where I am. People still say no to me every hour (seriously) and I never let it get to me, whether it has to do with my body or my career. Don’t put too much pressure on yourself. Do the best you can and don’t worry about the things you can’t control.

What is it like making a career out of your side hustle?
It’s the most incredible and terrifying feeling at the same time! I am so blessed that I get to work for myself, but that also brings responsibilities that I never thought I’d be facing at my age. Follow your dreams all the way. You never know what your dreams may turn into!

Who do you look to for inspiration?
Lately, I’ve been incredibly inspired by Demi Lovato. I watched her documentary and felt like I could relate in so many ways. I also really admire Elon Musk, G-Eazy, and Halsey. My dad inspires me a ton, too. I call him about everything!

How has your blog transitioned from a fashion blog to a lifestyle blog for teens and parents?
When I turned 16, I published an article about my experience as a model and the eating disorder that stemmed from it. When I published that article, I got so many messages from young girls and their parents asking me for advice on navigating body image issues and bullying. My blog has grown with me as I’ve gotten older, and that means new issues and life obstacles I have to face. I’d like to be an advocate for young adults on a range of topics, so that’s why I like to consider the site lifestyle for teens.

Tell me a little about your podcast and how it identifies all aspects of blogging versus only the glamorous side.
I started This is Life Unfiltered, my podcast, earlier this year, because I started to feel like I’d lost my message with some of the other opportunities I’d feature. When I’m on TV and I am all dressed up and have a full face of makeup on, the pictures are great, but how am I really inspiring people by dressing up and looking like someone completely opposite to the person I wake up looking like? On the podcast, I can talk about everything with no shame. I’m not being paid and it’s an hour every week that I truly look forward to. It’s definitely the most raw and honest side of me that anyone will ever see.

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How Alexa Curtis is Breaking the Traditional Mold of Influencers: Photographed by Tristan Vanterpol