3 Tech Questions Every Growing Business Needs To Answer

In this day and age, no matter how you conduct your business, there is a strong chance that your company interacts with technology in some way, shape, or form. If you sell physical wares, you may use a mobile card reader to accept payment and if you’re a retailer, you may have an ecommerce website or you may store information about your customers on your servers.

As technology progresses, so too will the ways in which your business uses it, especially if your company is poised for growth over the next few years. And with this in mind, here are three tech-focused questions that every growing business needs to answer.

Can You Use Technology to Grow Your Business Even More?

Even as you already use technology in your business, why not ask how you can use tech to grow your business even more? Social media is especially seen as a simple way to grow your business, as there are more than three billion social media users who you can promote your business to.

Optimizing your website for mobile devices, which is where an increasing amount of people browse the web and considering how your site shows up on search engines are some more ways you can use tech to grow.

How Does Your Tech Stand Up to Pressure?

Speaking of content that ends up being a success on social media, is your business totally prepared and fully equipped in case a post goes viral? What happens if you get an unlikely celebrity endorsement that takes you off guard? Your website needs to be prepared for a sudden influx of users and it also needs to be able to adapt as your business gradually grows and entices more customers.

Managing huge amounts of traffic to your site, whether that’s due to a popular tweet or a sales event, can be done with a load balancer. A load balancer makes sure that traffic will be routed to an available web server, which will help to reduce server load and ensure that your systems can handle the increase of visitors.

Is Your Business Secure Enough?

If you deal with any sort of digital data (e.g information about payments, names or addresses) then security should already be of huge concern to you. It’s up to you to perform regular checks on your company’s security methods to ensure that sophisticated teams of hackers can’t infiltrate your data storage system, gaining access to sensitive information about your company or your customers.

Failure to make your business properly secure isn’t just a legal concern, but it can have significant financial ramifications. A PwC report recently revealed that 69% of customers believe that companies are vulnerable to hacks and cyberattacks, meaning that there already are concerns about data privacy and security in consumers’ minds. Any actual successful hack conducted against your company could worsen that already fragile perception, potentially driving your customer towards your more secure competitors.

Although technology can sometimes be difficult to get your head around, it can be incredibly beneficial to your company – and ignoring it isn’t helpful. It’s best to ask these questions and get the answers now, solving tech problems as your business grows.

Interest Rates Are Increasing, Don’t Let Your Debt

Anyone with poor credit knows the burden of high interest rates. Just a few percentage points difference in a credit card or loan rate can make the difference between an affordable payment, and one that breaks the bank. With interest rates on the rise, every person who owes money to a creditor is focusing on the economy and how better to manage their personal obligations. Keeping debt in check during an interest-rate spike can have long-term benefits.

As interest rates creep high in 2018, large debt loads will become more costly for every consumer — even those with ideal credit ratings. Planning for rate increases and finding ways to consolidate and manage debt can save money and help maintain personal assets and value. At Chande.ca, our financial professionals monitor interest rates and are poised to help every consumer prepare for increases that may affect everything from monthly payments to debt-to-income ratios.

Managing Debt as a Best Personal Practice

Whether interest rates are high or low, keeping debt in check is a good personal habit. Using debt wisely can lead to greater financial freedom and rewards, but it takes effort and planning. During an interest rate spike, consumers have no control over the increases, but they can regulate their own spending and personal habits.

Taking small steps to manage personal debt during an interest rate hike can mitigate overall total debt. Some key moves that proactive consumers can pursue include:

  • Transferring Balances: when interest rates go up, it is a good time to take advantage of no-interest credit cards that offer zero interest for balance transfers. If rates increase during the period of the offer, borrowers will still save money, while maintaining a lower debt ceiling.

 

  • Improving Credit Scores: as interest rates creep up, consumers with low credit scores should put off purchases like a new or used auto until they can increase their credit rating. Waiting to make purchases during a rate hike can save money with a lower overall rate.

 

  • Consolidating Debt: before rates go too high, consumers with many small credit accounts may be able to save money and keep debt payments more manageable by consolidating their debt load. One payment with a moderate rate, as opposed to several payments at higher rates can be advantageous in anescalating market.

In addition, during rate increases, smart consumers can adjust their spending practices. Making more cash purchases and relying less on credit cards, loans, and other interest bearing accounts will keep debt at a minimum through a rate increase.

Finding Creative Debt Solutions

When saving money is a priority along with avoiding increased personal debt with high interest rates, consumers turn to professionals who know the markets and know how to find creative solutions. They visit Chande.ca for a variety of debt related answers and advice.

With professional debt services, personalized evaluations, and answers for every type of debt crisis and question, our experts will help every debt or face rising interest rates with confidence and savings.

What You Need To Know About Huge Silver Price Predictions

When it comes to your portfolio, it pays to be careful. You can’t risk your savings on a “hunch” or on unfounded advice. At the same time, there’s no shortage of prominent advocates for gold and silver with some huge claims about the future price of silver. There are some who believe that silver could skyrocket to $130 an ounce in only a couple of years, others who believe more modestly that silver will hit $50 an ounce by the end of 2018, and there are extremely bullish investors like Robert Kiyosaki who say silver could reach $6,000 an ounce in the long run.

There is no crystal ball for predicting silver prices, but there is history and silver price charts. There are strong arguments behind a bullish stance on silver. How high it can take silver prices is anyone’s guess, but the fundamentals of silver price growth are present. Whether it’s $50 an ounce or $6,000, when you get silver prices today you see that there’s huge potential in silver. When someone predicts silver prices of $130 an ounce in the near future, here’s what’s driving their predictions.

Silver Prices Are Undervalued

Silver is not worth as much as it should be. There are many different indicators that this is the case, from the silver-gold ratio to the silver-S&P ratio. There’s also the alarming new fact that silver has recently become rarer above ground than gold. While there is still probably more silver unmined, silver is being used by industry faster than it can be mined. The rarity of silver has quickly made silver coins and silver bars popular sellers from bullion dealers like Silver Gold Bull.

Silver Prices in the Gold-Silver Ratio

One of the biggest indicators that silver is undervalued is the gold-silver ratio. At present silver prices, the ratio is around 75 to 90. Historically, this stood around 15, meaning gold was worth 15 times what silver was worth. As far back as the Roman Empire, the ratio seems to have been around 10 to 1 (comparing silver denarii with the gold aureus), while 15 was fixed into law in the U.S. and France around the 19th century. In modern history, the ratio has been more like 65, which means even by modern standards silver is undervalued. Investors who believe a correction is imminent see silver prices rising to meet gold, rather than gold falling.

Supply Impact on Silver Prices

Many believe that silver prices are in for a big correction due to the basics of supply and demand. Mining companies have by and large fallen behind on silver production to the point where demand for silver outstrips supply. Despite silver recycling, stocks are shrinking because of it. Silver prices have yet to catch up to rising silver demand, which means mining companies aren’t searching for silver or investing in silver mines. When silver prices take off, it could take years for mining companies to catch up.

Buying silver bullion online from a bullion dealer like Silver Gold Bull is the most convenient way to buy silver right now. When you’re holding real silver bullion, you can sleep soundly knowing your money is safe. Invest in silver today and take advantage of rising silver prices, wherever they go. Just remember, making money from silver isn’t about where you sell, it’s about where you buy – and silver prices today are highly undervalued.

How To Choose The Right Floor For Your House

Sometimes it can be difficult to give your house a makeover. As exciting as a redecoration project is, there are a few things you have to consider before getting started. One thing people can sometimes neglect to think about is the floor, but your floor is actually a great way of creating a base within your decor. For this reason you should choose flooring carefully, so, let’s have a look at some aspects you should consider when choosing a floor.

Durability

When we say durability we are not only talking about life span, but also the floors capability of withstanding heavy footfall. If you have family and and or pets in the house then your floor should able to handle all this extra traffic, possible scratches and maybe spillages. Hardwood flooring is surely the first option it comes to your mind, this floor can last more than a lifetime and they look beautiful in living rooms and bedrooms. For kitchens and bathrooms though you need something that is able to withstand water and possible moisture, so avoid using a natural solid wood in these rooms.

Budget

Most of us are trying to cut back where we can, so redecorating can feel like a struggle when money is your biggest hurdle. Fortunately, you don’t need to spend lots of money to find quality floors. One such floor is a laminate. Laminates are made of synthetic materials but as such are perfect if you are looking for something that looks like real wood but offers plenty of other practical benefits. If you are looking for something even cheaper, try vinyl floor tiles. Vinyl often gets a bad reputation for looking cheap, but with modern advancements, vinyl floor tiles now have a far more realistic look about them.

Maintenance

A floor that is difficult to maintain and clean can make you regret your choice, no matter how beautiful and great it looks.  With your job, your family and all the little things in daily life the last thing you need is to have to spend hours cleaning a floor. Vinyl, laminate or engineered are the easiest floors to clean as they are all somewhat impervious to water. This doesn’t mean they are waterproof, but it does mean they can be mopped with a damp mop without fear of water damage.

Colours

When decorating your house the floor is going to be one of the more static elements in the house. In other words, it is much easier to change other pieces of furniture compared to the floor. This is why its important to pick a colour you feel will be far more workable to your tastes in the future. Whether this be a light or dark wood, the choice is up to you and your tastes.

 

How Can Companies Make Better Quality Cheese?

There are a number of significant factors that contribute to the grading of a high-quality food product. When it comes to cheese, it has to havean exceptional flavour, texture, scent and look, along with an ability to last long enough for buyers to savor every single bite. In order to reach all of these great qualities, companies in the Canadian food industry need to use innovative first-rate ingredients.

Food companies would highly benefit if they turned to a seasoned supplier like CCC Ingredients for their top-rate, globally sourced ingredients. This supplier has an impressive portfolio filled with an assortment of solutions for businesses in the Canadian food industry — they serve markets like baking, confectionary, dairy, prepared foods and snacks. When it comes to the production of cheese, the supplier carries a variety of ingredients that can enhance the taste, texture and overall appearance of the product. Any business that is interested in raising the quality of their cheese products can learn about the latest ingredient options being offered by this leading supplier and imagine the positive changes that they can make to their formulas.

The experienced ingredient supplier can offer solutions like milk protein concentrates, which can amplify a cheese product’s nutritional value by increasing the levels of protein without adding a high amount of lactose and can augment its levels of essential minerals like calcium, phosphorus and magnesium. Milk protein concentrates can also help with the heat stability, thickening, water binding, foaming and emulsification of a product. Businesses will also appreciate ingredient solutions like cellulose powder to improve texture and to stop caking, pure natamycin to protect against yeast and mold, and natural food dyes for colouring. CCC Ingredients carries food colouring options created by their global partner ROHA — their food dye lines Natracol and Futurals focus on natural resources instead of synthetic ones. Cheese manufacturers will especially appreciate the line Natracol, because it uses the food colouring agent Annatto for light yellow or orange tones and the agent Beta Carotene for intense yellow or yellow-orange tones — these are the ideal hues for a wide range of cheese and dairy products.

Canadian food companies should try to improve their cheese products as much as they can because they are in high demand. While more citizens are substituting their glasses of traditional cow’s milk with dairy-free alternatives, Canadians are eating more cheese than ever — according to statistics charting cheese consumption for fifty years, the average citizen ate seven kilograms of variety cheeses in 2015 alone. The use of innovative ingredients to better the qualityof cheese products will be appreciated by a lot of consumers.

The right ingredients can solve problems with a cheese product’s texture, its shelf-life, its appearance, its nutritional value and even its overall quality. Food companies can acquire these convenient solutions from a respectable ingredient supplier so that Canadians can feel satisfied with every single bite.

Three Things To Remember When Making A Budget

Between work, chores, your kids, and everything else, you don’t enjoy a lot of downtime in your day-to-day life. Chances are when you do finally get an hour alone, you don’t want to waste it by going over your finances. You’d much rather spend it catching it up on Altered Carbon, taking a bath, or playing Settlers of Catan with your family. While any of those would be more fun than pouring over your finances, none of them holds the same financial importance. Though you may hate to do it, making a budget is one of the most important things you can do with your money. Once you’re ready to bite the bullet and spend the time you need to make a budget, keep these three tips in mind.

Don’t shelve your budget.

There’s a lot of hard work that goes into your budget. You have to tally your expenses, categorize your purchases, and figure how much you spend in comparison to what you earn. After all that number crunching, you probably don’t want to do it anytime soon. So you shelve your budget, hoping to forget about your terrible experience behind the calculator.

This defeats the purpose of your budget. It’s supposed to help guide your spending as you tackle challenges in your life. If you keep the same budget you made in your 30s — a time when you were single, renting, and just starting your career — it won’t have the same impact when your 50 — a time when you have a family, own a home, and are thinking about retirement.

A successful budget is one that’s reworked regularly. If nothing big changes in your life, you don’t have to check in with this document every week; every year should be good enough. But if something big does happen, you need to revisit your budget sooner. Serious things like buying a home, losing a job, or the need to travel the world are reason enough to redo your budget, but so are less significant things, like buying an Galaxy Note 8 or updating an inefficient furnace.

Prepare for the emergencies.

Often people realize they need a budget when two things happen. One, they’re facing a mountain of debt and they aren’t sure how to fix it. Two, they have big goals for the future and want to make sure they have the money to achieve them. While these are two important reasons to start budgeting, they aren’t the only ones.

A budget’s there so you can be prepared for the unexpected. Make sure there’s enough room for an emergency fund in your budget on top of your goals. This emergency fund can help you should financial disaster hit, giving you the ability to cover surprise household bills and repairs without worry.

Until you can build a considerable emergency fund, you may not be able to handle unexpected bills or repairs on your own. A personal loan is a great financial tool to help you make up the difference between your budding fund and your next emergency.

Use your budget to find the best rates

Whether you’re looking for a line of credit or a payday loan, you need to know your financial abilities before you lock into any personal loan. No two products are the same, and each will have different terms, conditions, and rates. You can use your budget to help you figure out what kind of conditions and rates you can afford, so you don’t sink further into debt by getting assistance.

Figure out the sort of cash you have on hand, so you know the size and frequency of payments you can realistically match without overextending yourself. Once you have those numbers in mind, you can search for the best assistance for your situation. Whether that’s a payday loan or something else entirely, your budget can help you find the best one.

Finding what works for your situation is why you created a budget in the first place. If you’re ready to start saving better than ever before, devote some of your precious spare time towards making a budget. Though it may not feel like it at first, it’s time well spent.

5 Questions to Ask Your Doctor When Your Child Is Diagnosed With ADHD

 

ADHD or Attention Deficit Hyperactivity Disorder or ADD (Attention Deficit Disorder) are hard words to hear for a parent. Typically, children are diagnosed around age 12-14 but regardless of age, it’s never easy to hear.  No one like the thought of putting their children on medication.

Stay calm and ask your doctor these questions:

Critical Questions to Ask

1.      Are there are any positive aspects to ADHD?

Yes there are. If you do some research, you will see that a majority of people with ADHD are astonishingly creative, positive and just full of energy. What’s more, a lot of them have used the disability to become independent thinkers.

Moreover, once they think about accomplishing something, they do it without question and are adamant to achieve their goals no matter what. You can’t say something like – “You will never be able to do this” to a person battling ADHD. Their persistence and hard work will shock you.

People with ADHD are generally more laid back and have a big heart and kind personalities. You may also find some who have a brilliant sense of humor and a certain charisma. That is essentially where you role as a parent comes in – if you guide your shining light with care and love, you will become an instrumental element in your child’s success as he or she grows up.

2.      Are there any adverse qualities I should be concerned about?

Adults and children suffering with ADHD have a lot of trouble paying attention. Focusing on something becomes nightmarishly hard – which is especially true when they have absolutely no interest in the subject. For example, if your kid doesn’t like math at school – he will never try to or concentrate on learning it – and his condition is going to accentuate the problem.

Children with ADHD can be very disruptive, abruptly impulsive and hyperactive. Organizing things and activities or prioritizing their day to day tasks and chores can prove to be very difficult for them. ADHD patients can also be very forgetful – they might not stay consistent with one thing and are almost late with everything.

3.      Is there are treatment plan I can integrate my kid with?

The best treatment plan for your kid is education. You have to first help him ease to the fact that he is going to have to live with his condition. You need to first comprehensively understand what the disorder is to fully embrace it.  You have to make the adult or child understand that they may think that the disorder is going keep them living a full life – but with adequate help, ADHD can propel them way into the future – and help them fulfill their dreams.

Once you accept the positives and negatives of the condition, you can then move forward in life. You can hire a good trainer or guide for your child – or a professional and certified therapist who can encourage him that he can do better than just about anyone else.

It is also necessary that you ensure he sleeps on time and also gets some exercise either in school or at home or at the gym. You have to give your child your full attention, which is why it is necessary that you consider either switching jobs or perhaps have him homeschooled for a little while.

4.      What types of medications will your prescribe?

ADHD medication will play an instrumental role in balancing your child’s life. First of all it work effectively – secondly, there are no major side effects involved in a majority of ADHD medications such as vyvanse. The medication your doctor prescribes is going to work 80% of the time and is going to be the single most efficient element in treating your child. The medication lessens a bulk of the negative aspects.

If you choose to medicate your child, it’s worth noting that your child’s behavior may change while they adjust to the medication. Make sure to ask your doctor about every detail of the medication they’re recommending, as well as how you can save on your medications and find coupons for vyvanse.

It’s important that you work with a medical practitioner who can lay everything out to you in a precise and consistent manner. You have to understand that stimulant medications are very effective if used adequately.

5.      Is there any possibility of incorporating alternative treatment?

There are plenty of doctors who really don’t mind incorporating alternative methodologies of ADHD treatment. The only concern is the fact that whatever you integrate must be safe for the child. There have been people who have benefitted from herbal treatments to boost their focus and concentration levels and stay attentive. But alternative treatment can also be in the form of physical exercises – a process which is referred to as Low Energy Feedback Nuerofeedback System – which is a computerized form of neuro and biofeedback that helps improve working memory through physical activity.

 

How to Grow Your Business


Get to know your customers:
Understand your customer’s needs and develop products and services that meet those needs. You can gain insight into your customers by personalising your services and encouraging them to provide you with feedback.

Offer great customer service:
Ensure your customer service is exceptional and go the extra mile when you can. Your customers will not only remember great service they will also be more likely to refer other people to you.

Nurture existing customers and look for new opportunities:
Have strategies in place to nurture existing customers, such as staying in contact with them via an e-newsletter or letting them know about promotional events ahead of time.
At the same time, look for opportunities to get more work and build your customer base. Make sure that you find the right balance between nurturing customers and finding new ones.

Use social media:
Social media is a powerful tool to promote your business to potential customers and gain valuable insight through ‘social listening’. Through social listening you can find out what customers are saying about you, gain insight into their behaviour, identify keywords and trends that appeal to your target market and so improve your customer service. Social media can help you to build your business profile and attract new customers.

Attend networking events:
Invest time to build your networks – it’s not what you know but who you know.
Networking allows you to build relationships with other people and encourage them to refer customers to you through word of mouth.

Host events:
Hosting your own event can be a great way to get to know your customers and build relationships. Invite some of your best existing customers and encourage them to bring their friends.

Give back to your community:
Building brand awareness in your local community is a great way to attract new business. Consider sponsorship or participating in a community event to raise your business profile.

Measure what works and refine your approach as you go:
You should monitor where your customers are coming from in order to measure whether your marketing activities are successful or not. Don’t be afraid to experiment. Refine your approach if something is not working and focus more time on the activities that achieve the best results.

Best Investments to Grow Your Money:

The Classic Way – Earn it Slowly
Investors who have been around for a while will remember the classic Smith Barney commercial from the 1980s, where British actor John Houseman informs viewers in his unmistakable accent that they “make money the old fashioned way – they earn it.” When it comes to the most traditional way of doubling your money, that commercial’s not too far from reality. Perhaps the most tested way to double your money over a reasonable amount of time is to invest in a solid, non-speculative portfolio that’s diversified between blue-chip stocks and investment grade bonds. While that portfolio won’t double in a year, it almost surely will eventually, thanks to the old rule of 72 – The rule of 72 is a famous shortcut for calculating how long it will take for an investment to double if its growth compounds on itself. According to the rule of 72, you divide your expected annual rate of return into 72, and that tells you how many years it will take to double your money.

The Contrarian Way
Even straight-laced, even-keeled investors know that there comes a time when you must buy – not because everyone is getting in on a good thing, but because everyone is getting out. Just like great athletes go through slumps when many fans turn their backs, the stock prices of otherwise great companies occasionally go through slumps because fickle investors head for the hills.

The Safe Way
Just like how the fast lane and the slow lane on the freeway eventually lead to the same place, there are both quick and slow ways to double your money. So for those investors who are afraid of wrapping their portfolio around a telephone pole, bonds may provide a significantly less precarious journey to the same destination. But investors taking less risk by using bonds don’t have to give up their dreams of one day proudly bragging about doubling their money.

The Bottom Line
There’s an old saying that if “something is too good to be true, then it probably is.” That’s sage advice when it comes to doubling your money, considering that there are probably far more investment scams out there than sure things. While there certainly are other ways to approach doubling your money than the ones mentioned so far, always be suspicious when you’re promised results. Whether it’s your broker, your brother-in-law or a late-night infomercial, take the time to make sure that someone is not using you to double their money.

Traits of Successful People


1. They’re willing to take risks. Are you willing to bet the farm that you can achieve the goal you’ve set for yourself? If not, then you’re likely holding back on something. Success comes when you’re willing jump and truly go all-in. If you’re holding back on something, you’ll likely never reach your full potential.

2. They’re willing to work. Innate qualities like intelligence and talent play a factor in achieving success, but studies show that grit, hard work, and determination are just as important. And another study proves that dedicating enough quality, focused time to really any task or skill is ultimately what makes one an expert in something, more so than any other factor. So if you’re willing to put in the effort and stay the course, you can succeed. Period. The sad reality is that too few people are able to reach that level and remain committed, which is what sets apart those who can.

3. They’re willing to admit when they’re wrong. Success is never guaranteed, but experiencing setbacks along the way is basically a given. What differentiates those who ultimately fail from those who succeed is the ability to humbly admit where you went wrong, learn from your mistakes, and move on. Make the proper adjustments instead of dwelling on the setback and beating yourself up.

4. They’re willing to adapt. Getting too set in your ways and failing to see the bigger picture can be detrimental to success. Planning is important, but realize that few plans go off without a hitch, and the ability to roll with the punches is critical.

5. They know how to delegate, without micromanaging. Learning what to let go of and what to outsource is key, as it enables people who achieve success to focus only on the most important tasks that really can only be performed by them. Trying to shoulder everything is risky and is a surefire path to burnout.