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3 Ways to Avoid Financial Disaster during the Coronavirus Emergency

The huge impact of Covid-19 on our economy will certainly have repercussions on an individual level.

While we are trying to understand what Central Banks and governments will do, in fact. It becomes extremely important to prepare on a personal financial level to be able to withstand it. The shock wave that the economic crisis will inevitably bring.

Let’s see together 3 practical tips to save yourself or prepare for the worst.

# 1 Focus your budget only on the necessary expenses

Saving and not spending all the salary money is already a good practice when things are going well and today. Even if our income has not dropped dramatically, it is even more so.

The lockdown is already making several non-essential expenses more difficult if not impossible. Considering that this situation could continue for some time yet. The hypothesis of a new redefinition of one’s priorities should not be ruled out.

# 2 Save more money in the emergency fund

Even in good times, it is a good idea to have an emergency fund. Today obviously it becomes an even greater need because there is uncertainty.

If you have kept your income or have not suffered a drastic decline. You should continue to accumulate money, maybe even more extra money if you can.

If, on the other hand, you find yourself in a situation of need then it is perhaps the right time to put your emergency fund into action instead of getting into debt.

# 3 Work on your work Plan B

Stay in touch with your employer and colleagues if you are at home on layoffs.

If, on the other hand, you are employed but you sense uncertainty about the future of your business, try to understand where your sector is going. If and how you can look for a new job in case the situation changes.

What is certain today is that many companies will close. Reduce staff or completely change their business.

Be prepared for this scenario and try to be active as there will be no public aid to hold if things turn badly.

The same is true if you are a freelancer, a VAT number or if you have a service company: if you can’t work, work on Plan B anyway.

Today we live in what on My Business we call the “age of complexity” and however it goes it is clear that a greater commitment on our part will be needed to reprogram our life on an individual level.

Tips for investing have been excluded from this article because a world opens up: the investment section, on this point, can be valid support.

You may also like to read, Tips for opening a food business

BMX Bike Maintenance Pro Guideline

Today we’re going to give you a quick rundown of bike maintenance. The first thing we’re going to start off with is a basic one. If you clean your bike, it really makes the bike last a lot longer.

Cleaning

When, like the grime, the dirt builds up, whether it’s steering or paddling if it’s on your chain. If It grinds and wears stuff down and it causes a lot of noise and premature wear.

So if you wash your bike every once in a while, it’ll go a long way and you can spray it off with the hose.

It’s sealed, the bearing doesn’t use a high-pressure washer. Cause you don’t want the water to get into the sealed bearings, but you can rinse it off, dry it off. It should be fine to do that every once in a while.

You aren’t got to do it every day or every week, but you know, keep it somewhat clean and while you’re cleaning it.

Check Damage

Goes to my second point, you want to check the bike for any kind of like cracks or damage, you know, forks tend to crack around this area possible dropouts, or, you know, the frame can crack. These are the cult sect ICV, two forks. They’re pretty tough. This is an idle frame. It’s super strong too, but. Nothing lasts forever.

If you’re a hard rider, you should probably replace this stuff. At least every two years, maybe a year. If you’re a really hard rider, you like to bale a lot and your bike goes bouncing across the park.

If it has a lifetime guarantee or something, it will still break, and eventually, you probably want to replace it before you lose all your teeth or smash your face.

If you are an adult person and want a fresh adult bmx bike you can check the link.

Or it’s not really that big a deal to buy a new 4k once in a while, helps the BMX industry, and makes your bike look fresh, so you don’t look too dated after checking it out.

You don’t find any kind of damage. You probably wouldn’t and go to your tires, tires, lose air over time. You’ll probably lose four or five PSI every week or two, depending on where you’re at.

So you just check them, pump them up to whatever tire pressure you like. Obviously, if you run super-low tire pressure, You can get more pinch flats, you know, you can’t get up those curbs sometimes damage your rim.

If your case there, you want to make sure everything on the bike is tight and I’m not saying like overly tight and you tighten until it smokes and give it a quarter turn, but you just want to make sure and your headsets tight don’t have any play.

If your headset is loose, you want to loosen the sidewalks on the stem and tighten the preload cap. Only until there’s no play and you can kind of feel the bearing.

You don’t want to tighten it so much that slows the steering down on it, but you can feel it’s a reduction in resistance in the steering.

So keep that in mind, if you over-tighten that you can ruin your headset, make sure your bars are tight and also make it sure your crank arm bolts are tight.

They have pinch bolts and if you have like a stock bike or some horrible cranks with pinch bolts, your bike price sounds like an old boat then have pinch bolts.

You can loosen the pinch bolts, take the side, bolt off, slide the arm off, put a little grease on the spindle, slide it back together and tighten it up.

It’ll reduce any creaky noise or anything like that that you have and I’d recommend a pressed 48th blind crank way less maintenance, way stronger way quieter.

Check your wheels. Make sure they’re tight, nothing like a wheel falling off while you’re riding.

They tend to come loose sometimes on the crank car. Just throw a wrench on there, check them, make sure they’re tight.

Lube The Chain

You don’t want that something so stupid as a loose pedal, ruining your session. For chain, you can use TriFlo lubing.

Every once in a while. You just want to put a little bit on your chain. You can even wipe any excess off the chain because you really want the lube to go between the roller and the pin on the chain, which makes it smoother.

If you get it all over the place and just go wild and It just collects dirt and then, you know, the dirt leaves, the premature wear noise, all sorts of stuff.

So put some chain leave on there. It’s a good thing, but don’t go overboard. If you don’t leave your chain, it definitely causes the Sprocket and the rear driver to wear a lot faster.

If you don’t have one, get one they’re light, they’re super durable. You keep your chain loop. They last a long time.

The other thing is if you have breaks, you can also take some chain lube and you can squirt it down into the cable housing. And that’ll probably smooth your brake pull out quite a bit.

If it’s still kind of rough after that, just replace the cables and these cables are fairly inexpensive. Just putting a cable on it and makes your brakes work way better.

Fit the Brake

Another tip to making your brakes work better is generally especially on a lot of stock bikes.

The spring on the break is located over the post right here. And when they come from the factory, they have too much return on the spoke.

The cap to the spring and the spring retainer with a 13-millimeter wrench, generally, sometimes the size of the range varies.

You can reduce that spring tension down and make the break a little easier to pull with less return spring. It still has enough to pull away from the rim, but it’s easier to pull. It makes your brakes work better.

When you put this on your bike right here maybe there is a little too much spring. So you need to took the spring off and stretched it a little bit.

So that it doesn’t quite pull back together as hard. So it kind of reduced the tension on it, put it back on, easier to pull probably cause they have the gyro and it causes a lot of resistance.

We can talk about some wheels, turn on your wheels, and keeping your spokes tight makes your wheels last a lot longer. So, if you have loose spokes or broken spokes then get them fixed and you will last longer.

Basically when you hit the brakes, if there’s dirt or anything on your rim, the brake pad will smell wash that into the rim and that’s where you get the scratches from the rubber brake pad by itself.

Clean will not damage the rim that much over time. So if you keep it clean, it’ll last a lot longer. Keep your spokes tight.

Conclusion

Here we have discussed details of how you can maintain your BMX bikes. When you talk about BMX bike maintenance it’s not so hard task.

If you want to know more about biking tips check Outdoorxsports for better information.

Tips for opening a food business

A food business or restaurant is always a good business idea, no matter if they are times of crisis or bonanza, they always have an audience because hunger and the need to socialize through gastronomy is a basic human need. The ideal is to develop the business in an orderly and planned way in order to grow.

Food business and planning

Like any venture, a food business needs prior planning or a business plan which should especially focus on the following points: the type of customer the food business is aimed at, the location, the financial plan, and the requirements.

Planning a food business is important to evaluate and fine-tune your proposal, to have a full idea of how much you are going to invest and in how long you should have a return on your investment and the most important thing is that you will be able to develop in an orderly manner your food business without the inconveniences that often damage an enterprise of this type.

The food business and its customers

It is important to know what type of customers you are going to serve in your future food business. It is important to determine a profile with the age range, socioeconomic position, gastronomic preferences, lifestyle, among other indicators.

According to the client’s profile, we can define the type of food and drinks that you are going to offer, you can also define the location of your premises, the decoration, and the marketing strategy

The location of the food business

As we have already pointed out, the type of client will determine the area where we are going to operate. However, you should also worry if the area you have chosen has a permit for the operation of food businesses or the corresponding zoning. Many entrepreneurs in Peru, first rent a place and later realize that the area does not have the proper permits.

Financial planning

A financial plan covers all the expenses and investments that you are going to develop for your business. You must take into account in this plan the cost of kitchenware and crockery, furniture, number of workers, salaries, implements, and kitchen machines such as freezers, tables, kitchens, and others.

This very well-done document can help you get a bank loan or it can be a good information tool for potential partners and investors.

In the financial plan, we must also indicate how we are going to finance the business. That is if it is with your own money, loans, or participation of partners. In addition, projections of profits and possible losses should be included.

Requirements and procedures

In the municipality where your premises will operate, you must find out if the street, avenue, or strip where you have rented your premises has the zoning for a gastronomic business. In addition, you must request the operating license in the corresponding municipality. You must also have a certificate from Civil Defense and from the General Directorate of Environmental Health

If you have any questions or suggestions in this regard, leave a comment below and help with the brainstorming. Do not forget to share the article with your followers on social networks.

You may also like to read: How to start a jewelry business store?

How to start a jewelry business store?

If you are passionate about jewelry and want to invest in a new business, you probably wonder how to start a jewelry business. This guide will show you everything you need to know on the subject by analyzing costs, opening methods, bureaucratic requirements and advantages.

Even if you have no experience with precious stones but still have a considerable entrepreneurial spirit, it can be very useful to know how to open a jewelry store. Gold and silver are not devalued in times of crisis. On the contrary, they tend to increase their value. You can also dedicate yourself to a type of artisan or vintage jewelry to distinguish yourself from the competition and offer a “plus” to your customers.

How to start a jewelry business: the type to choose

The choice of the type of jewelry will affect costs and earnings and the target audience. If you aim at high jewelry, you target a niche audience willing to spend a lot of money to buy luxury goods.

If you produce your jewelry, you can dedicate yourself to the creation of handcrafted and personalized jewels that will have a cost and a greater value determined by the manual processing of the piece.

To offer an innovative service, you can open precious vintage jewelry, which will have value deriving from the materials and history behind them.

Finally, to embrace a broader target audience, you can open an inexpensive jewelry store where you can sell gold, silver, and costume jewelry products. In this case, you will have to focus on the quantity of the sale more than on quality.

The importance of the business plan and the location

Knowing how to draw up a business plan is essential to open any business, especially a jewelry store with high costs. It is a valid tool for planning expenses, analyzing competition, evaluating revenue, etc.

Another very important choice is that of the location, which must guarantee maximum visibility. Shopping centers, city centers, pedestrian areas, and general places that guarantee a continuous influx of people are perfect. The points of sale do not have to be very large, as long as there is sufficient exhibition space to enhance your goods in the right way.

How much does it cost to open a jewelry store?

Opening a jewelry store costs between 200,000 and 500,000 euros. It all depends on very variable factors. First of all, you must equip yourself with an effective security system to protect the precious and a valid lighting system to highlight the jewels.

You must then proceed with the shop’s furnishing, including the counter, display cases, furnishings, etc. and then other useful items such as envelopes, gift boxes, business cards, etc. Of course, the purchase of jewelry, watches, rings, necklaces, etc. Initially, I recommend that you buy a few pieces to not make an excessive investment and then increase the quantity when your business is launched.

As for a jewelry store’s management costs, you have to meet the following costs: rent of the premises; energy costs and utilities; insurance; salaries of employees and employees. Consider some incidental or unexpected expenses such as consulting an accountant, restyling the shop, replacing display cases and accessories in the shop, etc.

How to open a jewelry franchise?

To cut costs, you can open a jewelry franchise, thus taking advantage of the parent company’s name and know-how. Generally, the franchising company’s rental and personnel costs are borne, but this depends on the brand and contract type.

In addition to counting on an already established brand, you can get the exclusivity of the area and rely on the parent company for promotional materials, window dressing, furnishings, etc. You also have an exclusive channel for the supply of goods at your disposal, thus giving uniqueness and originality to your store.

How to open an online jewelry store?

Another great idea is to open an online jewelry store to cut costs related to the physical point of sale.

If you decide to open jewelry e-commerce, you can only sell new items, as the law prohibits the online sale of used jewelry.

First of all, you must possess a company with a VAT number and SCIA to be submitted electronically. Then you must register your business in the Business Register of the Chamber of Commerce and ask for an activity license at the police station.

Even if you don’t have a physical shop, you still need to have a place to keep your precious objects equipped with special security systems, gates, cameras, alarms and everything you need to keep them safe. As with physical jewelers, it is necessary to take insurance to protect your business and your valuables.

Generating online sales

The UK’s e-commerce market is back to posting double-digit growth after several months of a less stellar performance from online retail outlets.

In fact, the ONS revealed that sales were up by 13.1 percent in April 2015 when compared to the same period last year, primarily as a result of smartphone and tablet use helping to bolster e-commerce activities nationwide.

There are, of course, differences between performance levels depending on the type of products that are being sold, with fashion and clothing doing better than groceries, for example. But even with small discrepancies and seasonal shifts, there are a few things that businesses of all sizes can do to generate increased online sales.

Improve your SEO

Gaining a good position for your site on search engine results pages is inescapably important, yet can seem like a daunting task given the regular updates to the algorithms that govern ranking.

The best way to capitalize on SEO at the moment is to focus on mobile optimization since this is now taken into account when pages are ranked following a mobile search. And almost half of the world’s biggest companies are still flagging when it comes to mobile-friendliness, which is why start-ups and emerging rivals can leapfrog them with just a few minor tweaks.

SEO is still essentially reliant on filling a site with the relevant, interesting, and original copy, so remember not to neglect this area even as you pursue a mobile-focused update.

Run a PPC campaign

SEO will only get you so far and is something that established sites can benefit from most, so paid search ads are worth harnessing if you want to increase the profile of your budding brand and generate those first clicks and conversions.

If you do not have experience of utilizing PPC and platforms like Google AdWords in the past, then it is a good idea to consult with a third party to make sure you get this right and avoid wasting money.

Contacting a London AdWords consultant company is a good starting point and will allow you to navigate this similarly fluid, evolving medium, which as with organic SEO is now increasingly influenced by mobile.

Embrace social media

Social media presents the perfect opportunity not only for businesses to promote products and services and provide links to the places where people can purchase them, but also to engage customers in a proactive manner and get involved with the conversations that are being had about what they offer.

Facebook and Twitter presences should be a well-understood basic requirement at this point, but if you are looking for increased engagement with an audience then multimedia platforms like Instagram and Vine are also worth adding to your arsenal.

People are easily captivated by images and videos, whereas text alone is less likely to grab and retain their attention. So if you want to boost traffic and send sales skyrocketing, you cannot ignore the potential of social media.

5 Useful and Effective Email Marketing Tips for Startups

When it comes to promoting your business, nothing is as powerful and direct as mobile email marketing. These days, our email is as close to us as our house keys. Just imagine your business being that close too. Indeed, by creating an email marketing campaign, you can have a direct channel to market your product or services. Not only will this boost revenue, but it will also boost brand recognition. Plus, if we keep our email that close to us, just imagine how many more people will see a single email if it seems relevant enough to forward to friends. And what if there was an incentive to send it to friends?

Here are five useful and effective email marketing tips for startups.

Blow them away with the subject line.

Just like an advertisement uses a tagline to draw customers in, you have to use an amazing subject line to get people to open a particular email. When it comes down to it, most getting dozens of promotional emails a day. Some of those emails are automatically categorized in a promotional folder, so half or more of them don’t even get read. So, you need to be that one email that stands out, which is why your subject line is so critical.

Pictures say a thousand words without saying anything at all.

When you open an email that has a lot of text – what is your first response? – Usually, you’ll close the email and tell yourself that you’ll read it later. All of a sudden, the day goes by and you haven’t even looked at the email – you may never get around to reading it at all. This is why your email marketing campaign must be picture heavy. You want to say as much as you can with a single photograph.

Create a hierarchy of text.

In an email, you want to find a way to highlight the important stuff without making it seem obvious. This is why you want to create a hierarchy. At the top, you want to showcase the most important information. The secondary information can go in the middle. And the tertiary information should go at the bottom. The reason why you want to do this is that you want the most critical information to jump out at the reader.

Use an intuitive platform for your email marketing campaign.

You don’t want to use just any email marketing company for your campaign, you want to use a platform that will really get the message out there. For instance, Blue Hornet Email Marketing Services offers many tools to send out your campaign intuitively and effectively. Not only do you want people to open the email, but you also want them to click on the information.

Offer the incentive to share the email.

Not only do you want to have buttons where people can share the email on social media – but you also want to offer some kind of incentive for sharing the email with friends. The best way to do this is with discounts or some kind of special, limited-time offer. In the end, if you can get more life out of one email, it will be well worth it to hand out discounts.

5 Tips for Starting and Operating a Parking Lot Business

Starting a parking lot of business can be a great way to break into both the real estate market and growing industry with lots of exciting potentials. In the parking lot business, you are essentially buying valuable plots of land that are in-between use. Typically, these plots of land are in parts of cities that are densely populated, have an excess amount of cars, and a lack of available street parking. This is where your parking lot comes in handy. With a decent rate for parking, you can literally take a corner of the market in your particular town or city.

Wireless Networking Basics for Your Business

Wireless networking and internet access are vital to almost every business these days. The ability for you to wirelessly access and share information lies at the core of most businesses and has become a near-universal expectation for clients and patrons. But as you set up or plan to improve your wireless network, there are a few basics you should keep in mind.

Know your Needs:

If you’re setting up your business’s wireless network for the first time, it is important that you are realistic in your needs and clearly understand how your wireless network will be used. If you run a small coffee shop, your patrons may expect wireless access to come with their cup of coffee. And that wireless needs to be able to support a certain number of congruent users without interruption or delay. And a certain level of wireless security may also be expected from your business. Knowing all of this information beforehand will help you communicate with providers and give you a realistic sense of what types of services you may require. And thus you can start to calculate your monthly wireless bill.

The Right Provider:

Once you know what you want, it is time to find which company can provide the best service for your business. In some areas, your options may be limited, but be sure to pursue any and all wireless networking and internet providers for information. This will help you determine who offers the most competitive prices and the best quality service. Some providers may even offer discounts or special programs for local businesses, so be sure to ask what they can do for you before you sign a contract. And if you know other business owners in the area, be sure to ask their opinions as well. Keep reading how to evolve snom.

The Right Equipment:

In many cases, a wireless provider may be able to provide equipment, but regardless, you should make sure that the equipment you receive or purchase is of high quality and can support your needs. When it comes to broadcasting a wireless signal, some routers have different effective ranges, so be sure you know the dimensions of your space so you can adequately service it.

Professional Installation:

And finally, getting a professional to install and set up your wireless network can be the difference between a network’s success and failure. While the basics of setting up a network can be simple for some, installation can quickly become complicated and time-consuming. But be sure that you get a working understanding of your wireless network and equipment before the installation team leaves. In case of trouble, you should always be able to troubleshoot a solution before you have to call in the professionals.

Wireless networking is an important part of any business, so ensuring that you get the best service that is right for your business is vital. Whether you’re just establishing your network or you want to improve your wireless network, be sure to consult professionals to help you with your wireless needs.

Workplace Safety Basics for Small Business Owners

Owning and operating a small business means wearing a lot of hats. Whereas large corporations have the money to hire specialists and fill redundant positions to ensure optimal coverage, small businesses rarely have the capital on hand to fill all of the roles needed with individual workers, much less the best and brightest in their field. As a result, many small business owners will find themselves handling tasks like management, accounting, sales, and any number of roles they are ill-prepared to tackle. And workplace safety is definitely an undertaking that can fall to a small business owner. But if you want to limit your liability and ensure the health and safety of workers, clients, and anyone who interacts with your business, it’s imperative that you make workplace safety a top priority.

Restaurant Business Startup Do’s and Don’ts

By now, friends, coworkers, and family have probably warned you: opening a restaurant business is too risky. Some people may even be telling you to keep your day job. However, much of what people say about the restaurant industry isn’t true – the statistics are skewed. Sure, it is competitive, but with a little ingenuity, great food, and an amazing dining experience, any restaurant can make it. When it comes down to it, running a restaurant can be difficult, but mainly in the beginning – during the startup phase. This is the time when you have to avoid some of the fatal flaws that some restaurateurs make. If you can circumnavigate those flaws, your restaurant has a much better chance for success.