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List of The Multinational Companies in India

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Multinational corporations have their benefits and demerits too. Many multinational companies in India are leading the business market. These companies have their headquarters in the host or home country. The company information regarding any company can be researched on many research platforms.

Here are the following names of the MNC:

1. IBM

This multinational company is an Indian private limited, and a part of IBM has been operating its business from India since 1992. This multinational company is known for its innovative and integrated software and hardware services. The motto of the company is to think and create, which leads the country forward and helps in progressing the identity of the nation.

2. MICROSOFT

Microsoft is a global brand initially from the United States, but it also has headquarters in New Delhi. This MNC started working in the country in 1990. This MNC has some business units which in the country are:

  • Microsoft Corporation India Pvt
    Ltd (marketing division)
  • Microsoft global services India
  • Microsoft global technical
    support center
  • Microsoft India development
    center
  • Microsoft IT
  • Microsoft research center

3. Nokia Corporation

The Nokia corporation MNC started in 1865. this company is the leading manufacturer of stylish mobile phone range which are:

  • Normal handset phone
  • Touch screen phone
  • Smartphones
  • Business phone
  • Dual sim phone

To be in a leading position, Nokia has acquired many other companies so that they can enhance the ability to create phones for the world.

4. Pepsico.

This MNC entered the Indian market by the name of Pepsico. inc in India in the year 1989. This company made its mane in the industry in the first 20 years, and it became the largest beverage and food manufacturer. As per the business of the report of PepsiCo last year, they generated net revenue growth by 33%.

5. Ranbaxy Laboratories Limited

This is the largest pharmaceutical company that started the business in the year 1961 and made its image value when it opened a headquarters in the year 1973. This MNC is the largest manufacturer of medicines that are affordable and are of high quality. This company has made its worth as the patients, and healthcare experts recommend their medications when required.

6. Reebok International Limited

Reebok international limited is known for its shoes and lifestyle products. This company is a subsidiary of Adidas AG, which is originally from the United States of America, started its operation in 1890. The company noted that during the last financial year, Adidas sales were inserted by 9%.

7. Sony

Sony is a significant part of Sony Corporation. They started their work in japan but then established in India in 1994. From then, it has become the most considerable growth in electronic goods. Sony India is now planning to invest in ATL and BTL. The Sony company has also captured 30% of them, the market share of Bravia tv.

8. Tata Consultancy Services

This company is commonly known as TCS. The tata consultancy services are very famous names when we go to the IT sector, or a BPO ( business process outsourcing) company is a subsidiary of the Tata group. The first research center was established in the year 1981 in Pune city. The company is very much looking forward to ten bid deals, which include the contract with the government of Karnataka and credit union Australia contact, which is worth INR 94 crore, which will run for six years.

9. Vodafone

It is an international telephonic company. It has its headquarters in London, United Kingdom. The earlier name of this company was Vodafone Essar and Hutchison Essar. Vodafone is the largest company having the most significant mobile networking in India. The parent company or the leading company started its business in the year 1992, along with the max group with whom it partners in India. Later in 2011, Vodafone partnered with the Essar group to start its mobile operation in India.

10. Tata Motors Limited

Tata motors are the leading manufacturer of transport vehicles, which includes commercial vehicles. The company manufactures three passenger vehicles. This company was established in 1945. The tata motors are one of a part of the tata group, which makes its products in different parts of the country. They produce different vehicles which are:

  • Commercial vehicles
  • Defense security vehicles
  • Passenger vehicles

5 Top-Notch Benefits of Career Counselling

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Career counseling is basically a process through which you can know and understand yourself through the mind of other professional people. It is important because it helps you to make decisions about your life, education, and career path. The importance of career counseling can not be neglected as it also helps you find more about your interests and what kind of jobs you should do and you may want to do.

It guides you to choose the right field that is related to your ideology, interests and practical life. It also gives you the information about the factors affecting your career i.e., your interests, background, abilities, values, personality, and circumstances.

It is really a long life process because, with the change in time, we also change due to change in our thoughts and level of maturity.

Importance of Career Counseling

Career counseling is a very important factor in building our future and professional life. It makes easy for people to find what they want to do in their life. Future planning also depends on career counseling. Without it, one cannot find the right way to choose his career.

Career counseling is the thing that forces you to discover and recognize yourself. By which self- development can be done. It motivates you in exploring your strengths and weaknesses, likes and dislikes, fixing your goals, finding different options to choose the best career and gives you career satisfaction.

Finding Strengths and Weakness

Career counseling can find strengths and weaknesses, which will help to know about the steps to improve weaknesses. There is a series of tests of career counseling i.e., personality test, aptitude, and IQ test to find strengths and weaknesses.

Knowing about our strengths and weaknesses will also direct us to choose the best career and job options. It makes it easy to understand ourselves and to know about those things related to us which we do not know.

Fixing our Goals

A career counselor helps you in setting out short or long term goals to get your objective. It helps you to make appropriate plans at each stage to achieve your goal by building a growth mindset.

A counselor is like a partner who is always present to guide you at every bitter stage of this mission. He makes you so confident to take decisions and tells you the steps to make your decision right. He supports and encourages you.

Discovering Alternatives

Due to his experience, a career counselor has a wide range of knowledge about the options present for you. Because, when he spends time with you he gets to know about your interests, level of thinking, strengths, and weaknesses and most about your desire and passion.

He can easily suggest you the best option for your next step toward your goals. There may be many availabilities of different colleges, universities, admissions, eligibility criteria, and many about professional fields like science, medical, engineering, technology, business and many more.

You may not know about all these options and what you should choose as a career. Don’t worry, a career counselor is here to help you to avail all these opportunities and choose the best option.

Career Opportunities

There are many jobs and career opportunities but how would you come to know about them. A career counselor provides you all the details about these opportunities. Once, you select the best option as your career it may be doing a job, thinking big to start a business or continue to study.

The career counselor will always help you to identify available opportunities and guides your steps to get these opportunities. This process of availing these opportunities may include steps of sending applications, creating new business plans or finding a college.

A career counselor also prepares you for any kind of interview for a job, a business deal or admission. He also introduces you to those people who know more about your career and have much experience.

These people will also guide you, they can be a financial advisor for entrepreneurship or college advisor in case of further education. He also gives you the information about average salaries jobs and job descriptions through which you can support yourself financially.

Motivation and Career Satisfaction

Satisfaction is the last and most important factor in career counseling. Life becomes disturbing if you are not happy with your career. Everyone wants to be successful in his life. But with success, he also wants to be happy and satisfy. When you choose your passion as a career then you will be happy with your life and career.

A career counselor helps you to choose a career according to your interests. But sometimes happen that you make a decision which may prove wrong after passing less time. Then, career counselor motivates you to take the right decision this time.

Final Words

A career counselor is like a guide book that guides you on every page of your professional life. He guides you at every step forwarding towards your goal/career in the future.

I recommend everyone to avail opportunity of career counseling which gives you the right path for your future life.

How to Make Money on Instagram with Clickbank

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Instagram is a popular social network and platform. Rather than other social networks like Facebook, Twitter, etc Instagram is fast ranked. Like many other side businesses, Instagram gives you a great way to create your side business for more income. People who wish to increase their income choose Instagram.

Making money on Instagram is very popular nowadays. There are different ways to make money on Instagram like selling products and services, engaging in sponsored posts, affiliate marketing, etc.

To make money with ClickBank on Instagram, first, you need to have a huge amount of traffic on your page.

What is ClickBank?

Click bank is an affiliate marketing program that gives you a commission on selling products. They give you a commission on each sale. The commission may be high or low.

Clickbank is a very reliable affiliate program on the internet. For example, if the amount of product is 100$ and commission is 30% and if a product is sold from your Facebook or Instagram page with a given link you will get 30$.

How to use ClickBank?

It is very easy to use ClickBank. First, sign up on ClickBank. Make your referral link for your Instagram page. Then choose which product to promote. Link your page with ClickBank.

It is not as easy to promote items or products on Instagram. You need to have a strong Instagram profile to promote items or products.

Things to Consider for Instagram Page/Profile

Attractive Instagram profile

Do you need to think about it that how your profile must look like? It is the most important thing to promote your page. For this, all are you needed to choose a quality profile photo. Use a front-facing photo of you or your product-related logo.

Add a strong description of your bio. Write about you, what you are? What are your skills and what your account is about? It may help you to get the attention of people who will be interested in your content.

A Large amount of Audience

If you were serious about making money with clickbank using social media platforms. You need to have a large amount of traffic on your profile. Make more followers than your friends and family. Follow other pages, liking and commenting will help other accounts to notice you.

Give follow requests to people daily and request them to follow back. So for this great effort is required.

Caution: Make your account public so it is easy to find your account.

Add Hashtags

Add hashtags on every post. It will be easy to find your post and is the best way to get more followers quickly. Use such hashtags that have fewer than 100k posts and avoid hashtags with million+ posts.

When you add a photo to add your niche hashtag. It will help to show your posts in front of your target audience.

Suitable & Stable Niche

It is mandatory to choose a suitable niche. If you don’t have a niche you won’t be able to promote your products. Choose a specific topic according to your account it will attract interested people. Choose such products from ClickBank which fall to your niche.

Stick to your niche and don’t change. It will help you to decide which product you need to promote more. And people will trust you and possibly to buy more through your giving links.

It will take time and great effort. But you need to be courageous and strong. The time required effort to make you successful. So be determined and keep on working to your niche which you once choose.

Specific Username

The user name is a specific name of a page. Many page owners on Facebook, Instagram or twitter choose unique and specific usernames and they don’t use such usernames which are high in competition due to their common names. Specific username will help to show your page on the top searches.

Choose such username which relates to your niche, less in competition and looks outstanding. It is a great way to grab the attention of the audience.

Add daily Instagram Stories

Add daily stories to your Instagram to advertise your products. It is a great way to get the attention of people. Also, use hashtags to your stories will help to search people about those hashtags.

Add at least 5 to 7 stories daily on your page. Your page will show in front of the audience.

Including Keyword

Include your niche keyword. It will help you appear when Instagram users search for your niche. It will also make your profile strong and professional. People will give more attention to your page.

Keywords like ‘beauty icon’, crockery, dishes, etc.

Follow Pages related to Your Niche

There are many pages on Instagram related to your niche. Several accounts are working on some kind of niches. So follow the pages related to your niche. Its benefit is you will get more knowledge about how to improve your work, what ideas you should add and what strategy you should make for promoting.

Making Money Starts now

Once you know everything that may help you to fulfill your dreams with affiliate marketing via social media platforms. You need consistency and trust in your efforts. It will bring fruit maybe tomorrow or the day after tomorrow.

It can take a few days, weeks or months in building trust with all the above-discussed factors. Once someone buys, they shall automatically start recommending you in their circle. It’ll bring auto traffic and hashtags will also help in getting generic visitors on profile.

Keep sharing, keep tracking and keep earning.

Your Guide to Different types of Business Loans

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The professional and business loan brings together different types of credits, which allow each business to finance specific needs.

Leasing: The occupational lease is a rental. It can be the rental of furniture, real estate, or automobile. This allows the company to be able to take advantage of a property it has chosen without having to assume the purchase.

The Amortizable Loan: The professional depreciable credit is the most commonly used credit. The principal is repaid throughout the loan with interest and insurance. It allows the financing of all types of professional projects.

Factoring: The factoring is to entrust their invoices to a factor that will cover the bills now in place. This allows the company to have no cash shift since it is paid directly during invoicing.

Revolving Credit: Also called professional revolving credit, is a sum of money made available to the company by a lending institution. The company is free to use this amount in any way. This is a short-term solution when cash needs arise.

Cash Credit: The professional cash credit is a short-term credit, which allows the company to get the cash it needs for its operation.

The In-Fine loan: The professional fine loan consists of paying loan interest and insurance at each due date, but the capital is entirely due at the end of the contract. It presents especially for businesses, a tax advantage.

Basic Conditions for Obtaining a Loan

Once you have studied these types of business loans, you will move to apply for the one that suits you. There are several clauses and conditions that will be mandatory considered by bank employees and increase the chances of receiving money.

1. Detailed Business Plan

If you cannot imagine what it is, then it is unlikely that you should start your own business. A program in which the necessary funds, cost objectives, customer demand, timing, and volume of expected profits are calculated are necessary for the entrepreneur himself. It is simply impossible to economically and financially substantiate the required amount without a well-written document.

Of course, there is the option of buying a ready-made business plan, but in this case, it is better to contact a company specializing in the implementation of such services. The business plan describes in detail what the money received in the bank will be spent on, how long it will take to pay off, and what profit it will bring.

A correctly drawn-up document can occupy dozens of pages; however, it is advisable for the bank to draw up a concise version in which the main provisions are discussed.

2. Availability of collateral

If you can provide a security deposit, the possibilities to get money from the bank are significantly increased. At the same time, the annual rate decreases, the period for which the loan is granted, and the amount provided is increased.

However, the only property that can be quickly sold is liquid – taken as collateral. A loan may be secured by:

  • Equipment
  • Other liquid assets
  • Real estate – apartment, house, land
  • Securities
  • Transport – both automobile and any other

3. Surety

The availability of a guarantor makes it much easier to obtain a loan, which can be both a legal entity and an individual. If you have a sound business plan, you can submit it to centers of entrepreneurship or other government agencies that help start-up businesses. Under their guarantee, banks issue funds without any problems.

4. Credit History

The purity of the credit history is checked by all potential borrowers without exception. Even if the company is just starting its activity, the history of its owners and managers will be checked. A high credit rating is obtained if you:

  • Loans taken earlier are closed in accordance
    with contractual obligations
  • Sanctions were not applied due to delays
  • There are no currently closed loan commitments

If the credit history has been damaged, it will need to be corrected. To do this, loans are taken in MFIs (in this case, long waiting times are not required), which are repaid during. It should be borne in mind that repayment earlier than the payment term specified in the contract does not become a positive factor – banks are interested in relations with the client for the time agreed in advance.

We can advise you to take the option of obtaining and repaying microloans to those who have no credit records – for the bank, and empty credit history cannot say anything about the borrower.

5. Full package of Documentation

First of all, it will be necessary to study in detail the requirements of a particular bank (each of the institutions can put forward its conditions) and prepare the specified package of documents.

In addition, you can attach other, properly executed documentation. Mandatory availability of permits and licenses related to the type of activity for which the amount is taken.

The Procedure for Obtaining a Loan

The conditions and procedure for registration may vary depending on the requirements of the bank, the purpose of the loan, the ability to provide a pledge, the duration of the business, and other circumstances.

For beginner businessmen, they are tougher, and the requirements for them are higher – the bank cannot be sure that the company will be able to work efficiently and make a profit.

Before Applying

Before applying for a loan, study as many offers as possible – they all have their own differences. It is quite possible to prepare several packages of documents and at the same time, contact not one, but different banks. This will take longer but will increase the likelihood of obtaining a loan.

A list of documents required to provide along with an application for a loan can be found on the official websites of banks. In addition to the standard package, in each case, bank employees may request additional information.

After the Submission

After the submission of these materials and statements, you will have to wait for the results of their consideration. This period depends on the amount of the requested amount and lasts at least three days, while the maximum time is not negotiated.

In the process, the bank can put forward additional requirements, and its employees can go out to inspect the collateral property or the office of the company, send various requests, and if the required amount is large, even arrange an audit. If approval is received, an agreement is concluded between the borrower and the bank, which sets out the main and additional financing conditions.

Its employees can go to inspect the collateral property or the office of the company, send various inquiries, and if the required amount is large, even arrange an audit. If approval is received, an agreement is concluded between the borrower and the bank, which sets out the main and additional financing conditions.

Its employees can go to inspect the collateral property or the office of the company, send various inquiries, and if the required amount is large, even arrange an audit. Learn more about how to apply for a business loan.

Conclusion

This guide will help you learn all the important things you need to know about the various types of business loans that you can go for. We have also shared the procedure of how to obtain a business loan for you to follow.

Importance of Social Media for Marketing of Small Businesses

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Social media has become the most important source of getting the attention of people and engaging even those people who you don’t know. You can reach anyone in this modern world by sitting at your place. And, social media is today’s most easy way to reach peoples.

Every Business no matter small or large needs to be marketed by themselves of hiring any agency for growth and to be successful. People use social media for fun, joy and, entertainment purpose. You can use social media for advertisement and marketing of your business. Here’s why advertising is important.

It Builds Business Image

If you start a business then obviously you would want to introduce it to the other world. You make websites about your business at which all the information about your business products, rates, policies, and other data is represented.

Then, the question arises about how people would know about business and products and how they would lead to your website to get more information about you?

To make the business successful, it is very important to increase the awareness of your business. The people with which you have relationships, they will know about your business through you. But, what about those people who don’t know about you and you also don’t know about them?

Both can know about each other only through offline and online media channels. So, you have to aware of these people by using the power of social media.

Social Media offers Targeted and cost Effected Ads

You can market your business through any channel of social media. It is not mandatory that you use all channels of social media like Facebook, Twitter, Instagram, linkDene, etc. Most of the companies use more than one channel of social media to make their business visible in front of the world.

You should advertise your business through FACEBOOK ADS because it is about 85% cheaper than GOOGLE Adwords.

Question is: What kind of Ads will work to grab the attention of people?

Social media offers targeted ads to solve this problem. Targeted ads mean you should make adds according to your products and their users and can make it visible to the specific users. If your product is related to study or education your ad will show in front of educated people.

So, you can target your audience through their interests, age, location, gender, brands they followed and their hobbies.

The Ad Matters

The content of your ads, its look and, the information is given in this also matters. The ad should contain links to your other social media accounts and your web. And its design should be eye-catching and look beautiful to attract the customer.

Communication and Relationship with Customers

Social media is the easiest way to reach their customers and product users. This is the only way to reach even thousands of your potential customers (about whom you do not know and they also don’t know about you) they may be in search of products like yours. So, you can engage your audience through social media.

Here, you can give an ad which should lead the viewer to your official website so that the viewer can choose one of his interesting product and order it easily.

You can know about the interests of your customers.

If the customer has some problems with your product or have any kind of complaint about your product then he can also contact you by using contact number or email. He will not do it through email or anything, he will always prefer to contact you through social media because it will be very easy and time-saving for him.

You should solve their problems by using social media to make your good impression and trust. You can make Facebook groups of your customers chat with them, to be frank with them and also can entertain them.

Facebook pixel is an app that gives you the opportunity to see what kind of people are viewing and clicking your ad and either they are getting curious about your content or needs any other retargeting.

Boost Sales and Website Traffic

You can boost your sales by increasing your website traffic only if the number of customers comes and see your product varieties.

Now, the question is this how to bring the number of customers to our website so that they change their mind and decide to buy the product?

The only solution to this problem is social media. Social media is the biggest platform at which more than 50% of the world population spend their 70% time of the whole day. Here, you should display your paid ads with informative, helpful, attractive and, eye-catching content. For this, you have to be active on your page and post regularly because people are always looking for new and modern information.

You should always be quick to reply to their messages. It will pay you more in the future. Because when you give respect, time and priority to anyone of your customer then he will be happy with your behavior and suggest others to buy your products.

In this way, you can boost your sales and increase website traffic.

Social Competition

This is the world of competition. Everyone wants to cross others in this race of business. If you are going to start a business and using social media to promote your business (it does not matter what kind of business) then you are becoming the part of this social competition.

Because your competitors with larger corporations are present before. It can be a very tough time for you at the start but when you pay full of your attention and hard work then you will be successful soon.

But when the term comes to compete with small businesses then some of them are using social media for marketing but most of them are not going well because of poor strategies. Now, if you make a plan, choose relative channel/platform and start your social media campaign with new and modern strategies then you can make your product loyal and convert it into a Brand and can go forward leaving behind others.

To be a vital part of this competition and come forward, you should know about the strategies, events, new products and modernizations/upgradations of your opposite companies.

For this, your presence on social media is necessary so that you are timely updated.

Last Words

I think social media is the backbone of the business. It has a vital role to give awareness to people about your business. Manual marketing is much less important than social marketing because social media covers the whole of the world but manually you cannot visit the world to promote your business.

Social media creates a connection between you and your customer sitting on another edge of the world. Therefore, social media has become the soul of every business.

8 Steps that help you being Wealthy

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It is a wish of every person to become wealthy. Why everyone wishes to become wealthy? It is nothing but for the better and luxury lifestyle, to support their families, to feed up their children nicely, to fulfill their dreams and so on.

What is Real Richness?

Becoming wealthy or rich is not the real richness but the richness of mind. It may be happiness or something else. Money can’t buy happiness. Although it is not wrong to become wealthy, it’s a part of life.

As we hear stories about such people who become a millionaire just for themselves. But what will do you of such wealth? If you have none to share with if you have no peace of mind. Does such type of wealth can give you happiness? No, not at all.

For this, first, you have to be wealthy by mind than by money. It also a little bit depends on luck.

8 Steps helping you to be Wealthy

Before making money you have to make a full and proper plan that what steps should I follow to make money. Which step will be more beneficial? How much it can give you the cost? There are a lot of steps in becoming a millionaire but here I will tell you some very helpful steps.

These steps are given below

Wealthy Mindset

First of all, you need to set your mind. Nothing is possible until your firm belief. It is mandatory to set up your mind according to your aim. If you aim to be wealthy than you have to set your mind according to it. Develop a growth mindset.

When you have set your mind then stick to it and do all with your heart and firm belief. You will never lose hope and will never afraid of failure. Because of failure polish a person into strong determination. Developing Entrepreneurial Skills is extra.

Find a Mentor

A mentor is a trustful person or a friend who guides you according to your interests. One who knows better about your mind? Yes, who knows each and everything about you and can guide you nicely.

Financial Education

You need to get a financial education. If you want to set up a business you need to be educated and have a sensible business mind. Educate yourself to be successful in the future.

It is useless to establish any business without experience and education. Without education, it will take a lot of time to understand. So, it is also mandatory to get knowledge if you are a man of big dreams and aims.

If you want to be wealthy in 5 years then you need to learn profit and loss statements, tax types, the difference between assets and liabilities, and good and bad debt.

Side Business

For this purpose, side businesses are also helpful to become wealthy quickly. Choose such businesses that are easy to establish quickly. These are not high-level businesses it may be small on a scale. There are many options to consider and tips to help you out. Mean to say that do small side businesses more than one which gives you high profit.

You can also rent out spare space in your home to travelers for some extra cash and manage it. You can start it on partnership and sole-proprietorship as well. Both are different and have their own pros and cons.

Investments

Here is one more helpful thing in becoming wealthy soon is different investments. Do investments in different business companies. For investments, if you are a job person then save 20% of your salary and invest it. Apply 50 30 20 rule. It will be returned to you with double or triple profit.

Investing in the Stock Exchange and Real estate are the best options for short and long term investments. Real estate agents and stock market speculators offer various services that may lead you to earn a handsome amount against their service charges. Many millionaires take such investments to improve their cash flow.  But say, there is something you must know before doing investment in the company.

Debt-free

One of the important things is that you have to be debt-free. Don’t take debts to improve your wealth. Stay away from debt especially credit cards like debts it will ruin you because debt is a form of devil.

You have to be experienced with debts. There are both good debts and bad debts. If it is important to take a debt then find a trustful and good source.

Get knowledge from Books

There are several books written by many millionaires, billionaires, and successful leaders becoming wealthy. Also, read such books these books will teach you so much about making money.

Here are some books I will recommend to you

  1. The Millionaire next door by Thomas J. Stanley
    and William D. Danko.
  2. Rich Dad, Poor Dad by Robert T. Kiyosaki.
  3. Expert Secrets by Russel Brunson.
  4. Think and Grow Rich by Napoleon Hill
  5. You’re so money: Live Rich, Even You’re Not by
    Farnoosh Torabi.
  6. The richest man in Babylon by George S. Clason.
  7. The automatic millionaire by David Bach.
  8. Screw it, let’s do it: lessons in life by
    Richard Branson.
  9. The millionaire fast lane by MJ DeMarco.
  10. The science of getting rich by Wallace D.
    Wattles.

Self-belief

Belief in yourself is all you need to be a successful wealthy person. A person who thinks they cannot be wealthy is the result of the lack of self-belief or self-confidence. So believe in yourself first.

6 Credit Card Tips to help plan your International Trip

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Gone are the days when people solely relied on cash and traveler checks while going on international trips. Plastic money, especially credit cards, has made it convenient for the wanderlusts to set out for international trips without having to worry about issues such as losing a wallet or facing a cash crunch.

Not only have credit cards made it easy to make purchases, but an individual can also save a lot in the form of cashback, rewards, or direct discounts with chosen partners.

The same credit card that one uses to make daily purchases at home can be used to avail of any service overseas. However, the users are still not aware of the benefits associated with the credit cards and therefore, cannot chalk out the travel expenses and end up complaining about the debt spiral.

Credit cards have been devised to help the users with numerous benefits provided, the users make sure that they can make the most out of it by knowing its proper usage.

When planning an international trip, you can consider using your credit card to save a huge chunk on hotel bookings, airline expenses, and at the same time earn even more rewards. Go through the article to know more about credit cards and to have a handy guide on some important credit card tips so that you can carry all your travel expenses on your credit card.

Some credit card tips to help ace your international trip

It is quite common that when you plan a trip to a foreign land, all your attention will be on the popular destinations you want to visit and the outfits you want to carry. But, one should try to pay equal, if not more, attention to the finances.

Given below are some credit card tips you should make sure to cover while traveling on a credit card.

Choose the right Credit Card

Before you start planning your travel expenses with a credit card, you need to know that all credit cards do not offer the same benefits. When you have more than one credit card, it is important that you go for the one that is accepted in foreign locations.

Other than that, try to opt for a credit card that offers you some extra privilege on international usage. You can also go for the ones that offer you rewards on travel spending categories such as hotels, restaurants, transportation costs, etc.

Figure out the Fees and Charges involved

Other than understanding the late payment charges and the annual fees associated with a credit card, you also need to understand the charges connected to international usage, when traveling abroad. Foreign exchange markup fee is an important factor you need to consider.

It is a fee that is charged on the transaction amount and can range between 1% to 3% or may reach higher. The foreign transaction fee charged by various banks is different. Therefore, one needs to keep the same in mind before initiating any international transactions on a credit card.

Consider your Budget

Outlining a budget is the first thing we need to consider while planning a trip. Though it is natural that one would plan the budget, it becomes difficult when using a credit card.

It especially becomes difficult when you have ample credit card limits at hand. To prevent going overboard with the expenses, you can set a budget in terms of the credit limit of your credit card.

Notify your credit card issuer about your travel plans

When you plan your international trip, get in touch with the credit card company and inform them about your visits.

It is because when your credit card account suddenly displays purchasing thousands of miles, the issuer may decline them as suspicious. Therefore, it is better that you notify the bank about your travel itinerary to make sure that he never feels skeptical and freezes your account. In case, you do not have the time to inform the issuer, you can also perform the process online through your account dashboard.

Keep contact details handy

Though it sounds cliched, it is important that you keep the contact details of your credit card issuer handy while traveling abroad. You must learn to know how to contact them as the toll-free number won’t work when you land in a foreign land.

You can check the official website of the bank to know about the contact details. In case you cannot find the required information, you can call up your bank and ask for an emergency contact number stating the countries you are intending to visit.

Keep some cash

Though credit cards are accepted universally, there can be places where they might not want to accept the credit card as the desired mode of transaction. In cases such as these, having local currency can be a lifesaver. Keep some cash with you to make sure that you do not miss out on any major part of your vacation.

Your visit to a foreign land can be memorable and enjoyable if you do your financial homework well before you get set to go. Therefore, go through the tips given above and ensure that you have a holiday that you will not regret later.

Reasons for Choosing American Express Credit Cards

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People use various credit cards in the UK. But “American express” is extensively used. It offers you credit cards in the form of rewards and benefits to establish your lifestyle as you want.

These benefits include cash back, travel rewards, points of loyalty membership rewards or premium lifestyle experiences. You can choose your favorite one according to needs.

Features of American Express Credit Cards

  • American Express credit cards are a better way to pay than cash. At trade counters, you can directly pay through these credit cards than cash.
  • Through these credit cards, you can pay in the currency of your choice. American Express credit cards give benefit to the cardholders so that they can pay either in domestic currency or either in foreign currency easily.
  • American Express credit cards give the customers’ payback points on every spend. Through these payback payments, a customer can earn multiple points. 
  • If you want to make big purchases of 5000 or more than 5000, you can pay easily in monthly installments. It also provides you a loan facility without any paperwork. 

3 Major Reasons for choosing American Express Credit Cards

There are some reasons due to which people prefer American Express Credit Cards including Gold, Gold Reward, Experience and Membership reward. These reasons are described in the following:

If you want to get gold, you can check requirement here.

1st Reason

American Express gives you tremendous opportunities to get benefits. SPG points, Avios, cash back rates and loyalty membership rewards are considered as these benefits. You can pay for hotel stays, flights, holidays and gift vouchers etc.

2nd Reason

The 2nd reason is protection. It saves you from credit card fraud by giving Purchase protection, online fraud protection and gives all over insurance benefits. It gives 24/7 services or support to the customers.

3rd Reason

The members of American Express Credit Cards can access its exclusive invite programs due to which card members get tickets for the hottest shows in town. Whatever you like is music, film or theater you can get tickets of your favorite one.

Although, there are many benefits card and the people that are the former members of this card know the types of benefits but the newest one is not familiar with the type of these benefits card.

So, in the following, there are the details of some benefits cards.

Benefits to Choose the Membership Rewards Card

When you choose the membership card, you get a lot of points on your daily purchase even from daily travel to on a cup of tea.

These points continue to save in your account. Then, you can use these points to reduce debit transactions in your bank statements. These points can help you to purchase anything that you want by shopping and enjoy your life by traveling.  

Even these points can be used during checkout the Amazon, Safe key and Ticketmaster.

You can earn unlimited points because there is no limit to these points. You can save these points for future use and to earn the points daily and enjoy your life journey with a lot of happiness.

Benefits of American Express Experience Cards

The best card members are kept in the heart of the action. Because these are the card members who have got the presale tickets to close to 2000 from the last year of American express experience.

American express experience cardholders can also get access to the American lounge at the O2. Here they will offer a welcome drink when they will order between 6 to 7 pm.

Should or Should not Invest in Company Shares?

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You can also buy shares yourself. If you buy shares directly you can become a shareholder. It means you have some right to talk about matters in the company. It is not possible in that case if you invest in the form of funds.

Shares are types of investments, in which you can invest through cash, property, or in form of a fund. They can be risky but also gives more profits. If in any company you invest your money, it means you have your own little bit of that company.

There are many pros and cons of investing in any business or company. Being an investor; you must be aware of…

You must know about the company before investing: If you want to invest your money in any company, you must have knowledge about that company. You have to know about the value and work, check their profitability ratios and how much the company can be beneficial for you, how much the company can give you profit.

Is it beneficial to invest shares?

  • There are many benefits in Investing in company shares and it is a great source to increase your wealth.
  • If you invest intelligently it may increase your wealth rapidly than any other asset. This is possible in that case if you invest for the long term.
  • The company in which you invest your shares if grows with the passage of time and becomes more valuable, than your share worth more and your investment will increase to high worth.  
  • Many companies pay the sum of money against shares to its shareholders out of its profit every year.
  • If you invest in a well-established company you will probably get dividends.  
  • In stable and established companies investments are able to grow to make more profits for the investors.
  • The investors who make investments in stock markets directly or through speculators. They will have the benefits of providing diversification.
  • If you buy or invest in shares it means taking on ownership. It may result in bringing benefits by being part of one of the business’s owners

It is risks to Investment in shares

  • Where it is beneficial to invest there can be risk to invest in company shares. It results in some cases like if the company faces loss and fall down from its standard it may result in less profit.
  • Shares generally give better profit than other assets, but they are more risky because they are unstable in price.
  • Investment of short term shares in gamble. May results in winning huge amount but this strategy is dangerous.
  • It is risky when investment in foreign currency loses its value is converted to the local currency, due to the exchange of rates between two currencies.
  • It is risky to invest in small companies because there may be not much information available and it can be difficult to assess the business and its finances. They also don’t pay dividends. Although they have more chance to grow rapidly but is more risky. 
  • If a company falls down it results in a loss in your shares profits.
  • Investments in stock markets may also cause to add risk of portfolio.

It is mandatory to establish your attitude about the risks before investing. You have to consider how you are going to overcome the risks. I invest for more than five years, you don’t need to be afraid of risk and keep it down because you have a chance of higher returns.

Generally, some investors take greater risk to earn higher returns. But taking greater risks sometimes are not result in higher returns.

4 Ways to Prevent Employee Embezzlement When Running a Small Business

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People associate embezzlement with major conglomerates that happened in the past, like the Enron and Bernie Madoff scandals. However, employee embezzlement is more common among small businesses than you may think. It accounts for one-third of small business failures.

However, your small business doesn’t have to be part of these stats as there are measures you can implement to prevent it. From hiring a forensic accountant for regular audits to segregation of duties, below, we explore some of the measures small businesses can implement to prevent employee theft. 

Segregation of Duties

One major mistake that most small business owners make is giving a single employee too much power over the finances. If your bookkeeper currently deals with all the vendors, pays your bills, and handles all the financial procedures, then you should expect trouble.

This is because they know all the ins and outs of your entity’s money than you and can cook up false expenses and vendor checks to steal from you. An easy way to prevent this is through the segregation of duties. In other words, ensure the employee who cuts the cheques isn’t the one who signs and records them.

Regular and Unannounced Financial Audits

The easiest and most accurate way to ensure your accountants and anyone who comes to contact with your enterprise’s funds doesn’t mess around is by conducting regular and unannounced audits.

Besides helping you identify and prevent embezzlement, a certified forensic accountant enables you to get a better view of your company’s work ethics. It will also help improve your credit rating and portray you as a reliable business to corporate investors.

Comprehensive Pre-Screening for Job Candidates

Another way to protect your business from employee theft is by ensuring that everyone who is part of your business is credible and honest. You can only achieve this by conducting a comprehensive pre-screening of job candidates.

Check out why they left their previous job, review their social media accounts, and call the references. In a nutshell, learn as much as possible about the job candidate before opening your doors to them.

Do Your Part

Running a business as a sole proprietor often requires you to wear multiple hats at once. Therefore, it is pretty standard for you to want to tick accounting off your list by hiring a bookkeeper to handle it all. Unfortunately, while it makes your work easier, it increases the risk of embezzlement tenfold.

In that light, if you can only afford to hire a single bookkeeper or inventory manager currently, don’t leave everything to them because you trust them. Make sure you keep track of inventory. Also, always create time to review the bank accounts and statements.

This will prevent the bookkeeper or inventory manager from getting comfortable with your entity’s capital or profits. Moreover, be on the lookout for any red flags. For instance, if you notice your bookkeeper leading a lavish lifestyle that their salary can’t support, then your business is probably paying the price.

As a person running a small business, it’s difficult to believe that bookkeeper who’s been handling your finances for years can steal from you. Unfortunately, this is the sad truth. As much as you may hate to hear this, people are unpredictable and will switch upon you in a heartbeat.

Therefore, no matter what relationship you have with your employees, hire a proficient forensic accountant. He will expertly handle your audits, segregate the duties, and do whatever it takes to protect your enterprise.