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Online Banking 2021 – What and What Not to Expect 

  • September 8, 2021

The pandemic has turned the world around with so many changes in the way that consumers deal with their financial life. Needless to say, online banking and the use of digital apps is here to stay. 

Although online banks are convenient and safe to use, they do face some obstacles and challenges that they need to address as soon as possible. 

Consequently, the clients have to stay aware of what these platforms can deliver and what to expect from online banks in the future. One thing is for sure, physical banks are not restricting their timings and access. Therefore, customers will be experiencing more virtual contact with these institutions. 

Online Banks Would Aim To Strengthen Customer Relationships Through Handy Digital Tools 

The situation of financial insecurity that the pandemic created has forced customers to look for new online banking options that allow safe transfer of funds and provide sufficient money management tools. 

As a result, large financial institutes can see a boose in the number of customers turning to their online portals. If they fail to provide the digital tools that the clients are on hunt for, it might lead to considerable loss of accounts and customers. 

So to say, the banks now need to develop stronger relationships with their clients through reliable and seamless digital tools. This conclusion stems from the fact that at least 90% of account holders have shared that they prefer to manage their finances digitally and a majority of them agrees that online banking helps them feel more confident and secure when making payments. 

The Objective is to Encourage Savers Through Creative Ways 

Online banks are not also actively working towards encouraging savers, simplifying bank deposits, and providing some rewards to the customers who tend to stash the savings in their accounts. 

For example, many banks have come forward with extraordinary interest rates that customers can earn on their savings at a monthly rate.  

You can totally expect the banks to turn this into “games of savings” by utilizing a handsome amount of interest or even offering interesting payouts to some savers over time. 

Online Bankers Should Not Expect To Be Fraud-Free 

Online banks guarantee safe transfers such as from Chime to Cash App. However, it is still a hot topic of debate whether these platforms are actually as secure as they seem? 

According to recent surveys in the US, online banking opens more doors to frauds and it is expected that there will be an increase in identity theft, social account breaches in the coming years. 

Pandemic forced us into isolation, financial pressure, loss of employment, and whatnot. Under these circumstances, online entertainment has become common with more people engaging with websites and even other accounts that they don’t personally know or have no reputation to trust. 

Luckily, large companies and financial institutes have evaluated the situation and they promise to solidify their consumer protection regulations. This gives us some hope that online banks would be safe from frauds and scams. 

Will Physical Branches Actually Become Thing of The Past? 

It is obvious that contactless payments, digital banking, and online transfers of money would become more common but that does not guarantee that physical branches would be any less important. 

The operation at most physical banks have been disturbed but you can expect them to make a come-back once the situation settles down. 

However, some analysts do believe that online banking would be enough to satisfy the needs of most clients who will be less likely to opt for a visit to the physical branch. 

Well, perhaps time will tell? 

What Should Customers Expect From Online Banking - In a Nutshell 

We are quickly moving towards a permanent lifestyle change and going through the pandemic has accelerated the speed. It is hardly likely that the banking industry would ever go back to being what it was. 

Although digital banking has always been here, the situation at hand has converted it from a bare nicety to a necessity. Now banks are thinking about enhanced digital support, self-service, interactive teller machines and innovations that don’t seem to have an end! 

The reality seems to be changing at an extraordinary pace and there is no slowing down!

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Business Growth: 7 Tips to Elevate Your Business

  • September 8, 2021

Are you a business owner? Do you want to grow your company? If so, then these are a few things that you can do. 

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Here Are Secrets to Help You Make the Right Career Choice

  • September 7, 2021


What career path should you take? It's a question that plagues many people, especially in the current economy. 

However, with so much uncertainty and change in the job market, it can be hard to make up your mind. So, if you're feeling overwhelmed with all of the options out there, don't worry! Here are some secrets that will help you figure out which career path is right for you.

Look Into Where Your Interests Lie

Some people have a general idea of what they want to do with their lives but don't know exactly where it would take them. Others are particular in the type of job they're looking for and only consider careers within their desired field. If you fall into either category, you must look at your interests before applying to jobs or schools.

Your interests may help guide the type of degree or path to take in school as well - for example, if you love math and science, maybe an engineering degree is right for you! Interests can also help you when it is time to make decisions about the future. 

If you get torn between two careers that interest you, think about which one would be more beneficial to society or give yourself a greater sense of purpose? If your interests lie in fitness, investing in this career can improve your health and you may also help people within your community to become healthy. Take your time with fitness training courses and continually advance your skills to become a fitness director or gym manager

Determine the Relevance of the Career 

Career choice is driven by two factors: interests and skills. A career can be relevant to you if you have both of these things. A career can also be relevant to you if it has many important qualities. 

While interests and skills will not change much over time, some job characteristics such as independence or recognition might become more critical than others (like salary). Mapping your journey is one way to help identify if a particular industry or role is right for you. 

Know How Much You Will Make 

Knowing how much you will make is one of the most critical factors in choosing a career. But how do you find out? There are two main ways of finding this information, on your own or with the help of a professional.

Several excellent online tools can help you determine how much money people with various jobs make. The most important is the Bureau of Labor Statistics site, which provides salary information for hundreds of careers.

Choose a Career from a Reputable College 

A reputable college will allow students to enhance their skills and knowledge through various activities that they offer, such as student clubs or other programs. This gives them valuable experiences which may help them land jobs sooner than other graduates who only have basic degrees from lesser colleges. 

They may even get hired by companies that are looking for applicants with specific skills or knowledge. Aspiring individuals should choose a college with the program they want to pursue, but it's also important to consider other factors such as its reputation and accreditation status.

It is not always easy to make the right career choice. However, with the above tips, you will be a step closer to making the right career decision. 


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Top Side Hustles That Will Make You Money In 2021

  • September 7, 2021

Are you looking for ways to make some extra cash or ways to get rich quick? You might have excess bills to pay or you might just like having some extra cash laying around. Whatever the reason we have you covered with a few ways you can make some extra cash in no time at all. 

It is also important to remember that if you have side hustles you will usually be classed as being self-employed so you will need to sort out your own taxes. 


If you have experience of working with children then why not think about becoming a tutor. Tutors get to help children with their homework and any extracurricular work that the parents would like their child to do. The most common tutoring for children is exam prep, this is to prepare children for any exams they have coming up at school, either in primary school or secondary school. 

You could also get some childcare work if you have the experience. There are always families calling out for help with looking after their children, either during the day or in the evenings. 

You can charge whatever you like for both these services although there will be an average cost available for that kind of work in your area. 

Cleaning Services 

If you have a flair for cleaning and ironing why not use this to your advantage and make money off it. You could offer a house cleaning and ironing service in your local area. There will always be people who are too busy to clean their homes so if you are good at cleaning and have an eye for detail then this could be the side hustle for you. 

You could run your ironing service as a drop-off and collect if you don’t fancy traveling to lots of different houses. So your clients will drop off their washing and then a couple of days later they come back to collect it. 


Freelancing is one of those side hustles where work will always be available. If you have found your niche then set up a profile detailing your experiences and what you can help with and you will hopefully have work flooding your inbox. You might enjoy writing and typing so why not become a freelance writer, you can get lots of gigs doing this especially from people who own blogs and want their content written by someone else. 

There are lots of websites out there where you can find freelance work rather quickly and easily, you just need to make sure your rates are fair but you don’t overcharge or undercharge. If you don’t charge enough you will be doing a lot of work for not a lot of money and if you overcharge you won’t get as much work as you had hoped for. 

Selling Homemade Items

If you like to get creative in your spare time then you could sell some of the items you make. You might be good at making personalized items such as t-shirts, this will have a steady flow of orders once people hear about the services you offer. People are so very fond of homemade items as they are very special and unique. They make great gifts as well, either for special occasions or as Christmas presents. 

We hope this gives you an idea of how to make some extra money. Go make it, and most of all enjoy it.

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Things You Need To Consider Before Opening a Retail Store

  • September 6, 2021

Things You Need To Consider Before Opening a Retail Store

Building a storefront from scratch is a gratifying and rewarding endeavor. That said, various things go into making it happen. Read about the things you need to consider before opening a retail store so that you can prepare for a successful start for your business!

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How To Start Your Real Estate Business in Florida

  • September 4, 2021

How To Start Your Real Estate Business in Florida

The real estate industry is known as being an incredibly profitable and rewarding career field to join. This profession’s endless opportunities are why it’s such a common second career choice for those who need a change in their work lives.

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The Ultimate Guide to Starting Up Your Side Hustle

  • September 3, 2021


Millions of people from around the world have decided to take up a side hustle alongside their full-time job to earn a bit of extra cash. If you’ve been considering it, there’s lots of fantastic reasons why now is the time to get in the side hustle game. 

There are quite a few reasons that people decide to create their own business. The first one is it’s a great way to add some income in in addition to the one you’re making as part of your regular job. Whether you’re paying of a credit card, saving for a big trip or want to just have that bit of extra cash, a side hustle can be a fantastic stream of income that can top up your regular pay check. 

Another reason why people decide to start their own side hustle is to try out a passion as a professional job. It’s a good way to test the waters to see if it’s something that you can eventually pursue full time, as well as building a customer base with a bit of a financial safety net. 

A further reason why someone may start a side hustle is to mix things up when it comes to the work they do. Pursuing two different job types can make it so that each one feels fresh when you go back to it.

A few side hustles to consider

A lot of people pursue creative side hustles. Whether it’s writing, graphic design or making homeware and art, a side hustle can be one way to turn your creative passion into a healthier bank account. There are many places like Etsy where creators sell their wares, and freelancing websites like Fiverr where talented folk can sell their services. 

Another one is coding or other types of web development. There are loads of companies looking for digital products like applications and websites, so it can be quite a lucrative marketplace, and might even launch a new career for you. 

Steps to starting one up

There are a few steps that you’ll want to take when launching your side hustle. We’ve listed a few below.

Consider your skill set

For any business to succeed, it will need to offer value to its customers and clients. You’ll want to begin by brainstorming what your skill set is — and then put a plan in place as to how you can make the most of it. Write out a list of the things you’re good at – be sure to include hobbies and passions – and then really assess whether it’s something that you should try and monetise, or just keep doing for fun. 

Sort out your taxes

Like your full-time job, you’ll need to pay taxes on the income that you make through your side hustle. To ensure you have your tax forms, invoices and expenses organised, make sure to use a software or consider hiring an accountant. You don’t want to end up in a bad situation when tax season comes around, so get a system in place before you start to make any kind of sales.

Assess the marketplace

To do well in your business you need to know the marketplace. What kind of gaps are there and are you able to fill it with your service or product? Ensure that you’ve done your background research before launching your business to give you a great head start and ensure the biggest success. This research will prove valuable as your side hustle grows and will help you anticipate and make decisions in the future.

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Are You Financially Literate? Here’s How To Tell

  • September 3, 2021


Financial literacy doesn’t always come easily. But once you have it, you’re able to make good decisions about how you use your money. In the long-term, it can really pay off. You can have two people aged 20 with identical career paths, but the one with financial literacy winds up being much more successful. In many cases, the differences can be tremendous - sometimes millions of dollars. 

Here are some signs that you are financially literate: 

You Budget 

Budgeting is important. In the long-term, it can mean the difference between having a substantial retirement income and not.

Budgeting, though, isn’t something that everybody does. A lot of people take a backseat approach to their finances, assuming that they have all the money to do the things that they want to do, even if they don’t. 

Budgeting is vital, though, if you want to build wealth long-term. It shows you how much money you have coming in, what you have going out, and the difference you have to play with. 

You Go Beyond Minimum Investments

You can invest a small amount of money every month and then allow it to grow over many years into your retirement fund. But a much better strategy is to go beyond minimum payments and ratchet up your savings. The more money you can put away early on, the better off you’ll be. 

Asking how much you can save is one of the best questions to ask a financial advisor. What you can put away usually depends on your income, tax arrangements and various pension schemes. 

You Check Your Account Statements Regularly

As somebody who knows about money, you check your bank and brokerage statements regularly. You always know the value of your cash and financial assets. You keep track of the markets, understanding that they are liable to go up as well as down. 

You Understand The Importance Of Owning Capital

How do the wealthy stay wealthy? They do it by buying capital. 

Capital is anything that produces a future income stream (without you having to directly work for it). Financially literate people focus their investments on stocks and real estate because both of these assets generate earnings. 

You Know All About The Power Of Compound Interest

Albert Einstein called compound interest the most powerful force in the world. And he was right. When you allow interest to compound, your wealth rises exponentially. Small changes in the money you invest at the start can have a massive impact on the total that you generate. 

Compound interest works best when the returns you get are high - say, over 9 percent. But even if your portfolio behaves more modestly, the total money you have in your account can soon add up. A 5 percent return on $200,000 is still an extra $10,000 per year. 

You Understand That Income And Inflation Are Linked

Many people worry about inflation. But for most income-earning and share-owning people, it’s not a problem. If inflation strikes, you can just bargain for higher wages (most companies will adjust them automatically). And if you own stocks, then the companies that you own can also adjust their prices upwards, protecting you against any fallout. Inflation is only a problem if you hold cash.

You Rely On Multiple Sources Of Income

Relying on a single source of income is generally a bad idea, especially in today’s volatile economy. Businesses fail all the time, and it is often hard to know which will be next. 

Financially literate people, therefore, work on securing multiple sources of income. They work hard in their day job, but they also begin investing in other things on the side. For instance, they might buy a property that can generate rental income for them each month. Or they might buy dividend-paying shares. 

Some people actually nurture a side job alongside their main career so that they always have something they can fall back on, should they become unemployed. 

You Keep Your Money In Different Areas

Unless you are an investing genius, diversification is the best policy. Spreading your money across multiple areas increases the likelihood that you will generate positive returns in the long-run. 

Unfortunately, most retail investors don’t do this. Instead, they invest their money in one or two firms hoping that they will perform. Usually, they don’t. 

If you can, keep your money in a mix of assets. Buy a diversified stock portfolio and then supplement it with property wealth, bonds and rental income. You might also want to hold a small amount of gold to protect your cash holdings against inflation.

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Little Things That Influence Office Morale

  • September 1, 2021

Little Things That Influence Office Morale

Business leaders tend to look at the big picture. How many units can I sell this quarter? How can I keep my clients engaged? How do I measure my progress? What content will drive people to my site? But, while looking at the big picture, they can make massive mistakes if they ignore one of their most vital resources: their employees.

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Common Mistakes People Make in the Corporate World

  • September 1, 2021

Common Mistakes People Make in the Corporate World

When you've been in the workforce, you’ve seen all the common mistakes people make in the corporate world—like over and underachievers, and people who never take a day off. A creative way to start a business is to capitalize on the mistakes you’ve seen. For example, if you’ve seen people who dress poorly, hold classes teaching people how to dress for any occasion.

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