3 Ways for Small Business Owners to Make Their Vote Count

hafiz cakep

On November 3, as usual, small business owners will bring one of the highest voter turnouts of any group, with 93 percent of owners expected to vote in this year’s presidential election. Your business probably shares a lot of the same concerns with other small business owners, especially in these pandemic-stressed times. 

Politicians looking to win the small business vote should start by addressing the two largest barriers to entry entrepreneurs face when starting a business: access to capital and the implicit bias in capital decisions that limits opportunities for the New Majority of small business owners. In the last 10 years, New Majority entrepreneurs have represented more than 50% of new businesses started in this country, creating 4.7 million new jobs, yet these owners are largely excluded in funding. Only 5.5 percent of women-owned businesses in the U.S. access capital from banks or other financial institutions compared to 11.4

Read More

9 ways to spot personal loan scams

hafiz cakep

Consumers lost a total of $1.9 billion collectively to fraudulent practices in 2019, according to the Federal Trade Commission. Debt consolidation, medical bill payment and other services can offer attractive personal loan options and lure in unsuspecting consumers who then learn that the lender was nothing more than a fraud.

a group of people sitting at a table: Couple discussing finances with lawyer

© fizkes/Shutterstock
Couple discussing finances with lawyer

How can you determine whether a loan company is legitimate? Here are common signs of a potential loan scam.


Load Error

Get pre-qualified

Answer a few questions to see which personal loans you pre-qualify for. The process is quick and easy, and it will not impact your credit score.

Get Started

What are personal loan scams?

Loan scams are fraudulent businesses that prey on consumers who are looking for quick solutions to their financial problems, says Daniel Hill, a CFP and president of Hill Wealth Strategies. They’re typically found online, with no storefront

Read More

From gold loan to loan against FD, 7 ways to get a loan quickly in times of Covid-19

hafiz cakep

a can of soda: From gold loan to loan against FD, 7 ways to get a loan quickly in times of Covid-19

© Provided by The Financial Express
From gold loan to loan against FD, 7 ways to get a loan quickly in times of Covid-19

a can of soda: loan, instant loan, gold loan, loan against FD, Covid-19 Personal Loans, Pre-Approved Personal Loans, Loan Against Property, Top Up Loans, 7 ways to get a loan quickly, in times of Covid-19,

© Provided by The Financial Express
loan, instant loan, gold loan, loan against FD, Covid-19 Personal Loans, Pre-Approved Personal Loans, Loan Against Property, Top Up Loans, 7 ways to get a loan quickly, in times of Covid-19,

Financial emergencies often come uninvited. While it is recommended that individuals have contingencies in place to deal with emergencies, not everyone can have this set up. Therefore, individuals often have to turn towards loans to help them overcome their financial stress.

“Most often, people use their fixed assets and debt-free properties as collateral to avail mortgage loans at reasonable interest rates. Bonds, shares and mutual funds are other forms of financial instruments that can be leveraged to obtain loans at affordable rates as compared to personal loans,” says Anuj

Read More

6 ways to boost your emergency fund in a pandemic economy

hafiz cakep

As many of us grapple with the coronavirus pandemic, the importance of an emergency fund has come into sharp focus. But how do you save in a pandemic economy?

a baby sitting on a table: A father and daughter work together.

© Syda Productions/Shutterstock
A father and daughter work together.

While it’s not easy, there are some strategies you can follow to boost your emergency fund – even when you’re in the midst of a global pandemic. Here’s what you need to know.


Load Error

Why you need an emergency fund

Your emergency fund is how you protect your finances from the unexpected. Plus, a liquid emergency fund offers you freedom and flexibility.

“Cash liquidity matters in a stressful financial situation,” says Natalie Torres-Haddad, a financial wellness advocate and the host of the podcast Financially Savvy in 20 minutes. “It can take time to liquidate property and investments. When you need the cash, you need it now.”

Even a small amount can

Read More

Congress Has Many Ways To Boost The Economy By Getting Cash Into People’s Pockets. Which One Is Best?

hafiz cakep

As Congress scrambles to pass another COVID-19 relief bill, it must decide how best to put money into the hands of people who are suffering from the economic fallout of the pandemic. The three leading choices appear to be: extending enhanced federal unemployment benefits, expanding refundable tax credits, or another round of direct economic impact payments. A fourth idea, President Trump’s plan for a payroll tax holiday, appears dead. But which is best?

Unemployment benefits. In theory, continuing enhanced jobless benefits is a strong choice. It targets aid to those who need it most—people who lost their jobs. But in practice, distributing money through the unemployment system has problems.

The CARES Act included a temporary $600 per week boost

Read More

4 of the Best Ways to Earn Passive Income with Limited Time and Money

hafiz cakep

who reads this blog on a regular basis knows that earning passive income
doesn’t actually involve zero effort. In most cases, you need to devote some
time and energy to setting up passive income streams before they start yielding

example, many people earn passive income by monetizing their expertise. They
self-publish ebooks or create online courses that share valuable information
with consumers. However, before the earnings begin, they need to create
products. They also need to promote them to ensure potential customers know
they exist.

sometimes discourages people from creating their own passive income streams.
Part of the appeal of earning money on the side with little to no effort is the
fact that busy people don’t have time to boost their earnings by taking on
additional jobs or gigs. Thus, many people interested in earning passive income
are so busy, they lack the time necessary

Read More

50 Ways to Improve Your Finances in 2019 | Saving and Budgeting

hafiz cakep

Ring in the new year.

The start of a new year is a time to make financial resolutions, ditch bad money habits and consider ways to improve your financial health. Throughout the past year, U.S. News has published stories with great advice on how to save money, pay down debt and reach your financial goals. Read on for the best ways to improve your finances in 2019 and beyond.

Negotiate your salary.

One of the most effective ways to stretch your budget, reduce debt or boost savings is to make more money. Of course, that’s easier said than done. But don’t neglect the power of negotiating your salary, either at a new job or at your current job, to increase your earning power and improve your finances.

Get ready for the next financial crisis.

To prepare for the next financial crisis, establish good financial habits, build an emergency fund, pay

Read More

5 Ways To Build Your Personal Brand At Work

hafiz cakep

The idea of being a “quiet leader” has always appealed to me. I was never a fan of colleagues who seemed to brag or self-promote at work. However, early on in my career, my manager told me that if no one else in the company actually knows about my work accomplishments, those accomplishments won’t really count for much.

Hearing this was a bit of a rude awakening for me. Up until that point, I’d always presumed that my work would speak for itself. I assumed that if I worked hard, the quality and impact would be obvious.

However, as someone who spent the majority of my career working in brand marketing, I quickly discovered the power and necessity of positive PR on the growth and positive trajectory of products and brands. So it didn’t take long for me to realize that my own internal PR within an organization would have

Read More

5 ways technology is transforming finance

hafiz cakep

New report: The Future of FinTech: A Paradigm Shift in Small Business Finance

For decades, banks and insurers have employed the same relatively static, highly profitable business models. But today they find themselves confronted on all sides by innovators seeking to disrupt their businesses. Crowdfunding, peer-to-peer lenders, mobile payments, bitcoin, robo-advisers – there seems to be no end to the diversity, or to the sky-high valuations, of these “fintech” innovators.

Yet, some might note that they have heard this tune before. The direct banks and “digi-cash” of the 90s captured the imagination of journalists and investors in a similar fashion, but ultimately had little impact. In fact, the financial services industry has been remarkably impervious to past assaults by innovators, partially due to the importance that scale, trust and regulatory know-how have traditionally played in this space.

However, as they say in investing, “past performance is not an indicator of

Read More

4 Ways to Write a Personal Bio

hafiz cakep

About This Article

Article SummaryX

When you write a personal bio, write in the third person so it sounds more objective and professional. Start with a sentence that includes your name and what you do for a living. Then, mention your most important accomplishments that are relevant to your field of work. Briefly mention a couple of your hobbies or interests to make your bio more relatable. End with a sentence on any big projects you’re currently working on. Try to keep your bio around 250-500 words. For help writing a personal bio

Read More