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8 Ways To Scrimp In Autumn To Allow A Splurge At Christmas
Saving for Christmas? Put more away this year with these top tips on how to save in the lead up to Christmas.
Everyone knows that once the leaves start to change colour, the end of the year is not far away. While months might sound a like a long time, it never feels like enough time to spread the impending cost of Christmas. Christmas costs money whether it’s big families and lots of gifts or parties and entertaining costs, the festive season abounds with extra expenditure for even the savviest saver. So to make it a bit easier on your budget, here are some great ways to save money in the lead up to the happiest time of the year.
All the major supermarkets run Christmas savings schemes – you purchase stamps throughout the year, and get a payout in December. The Moneysavingexpert.com has a good guide which helps you choose a scheme to suit . They warn shoppers though that “no two schemes are alike, and some are more Scrooge than Santa. Ensure you make a careful note of the timings.” They rate ASDA, Tesco and Morrisons as being the best in terms of generosity. Look out, too, for shopping incentives where repeat custom between now and Christmas can net you ‘free shops’ or in-store savings.
Use the ‘Drop down’ approach when food shopping in Autumn – wherever you’d buy luxury, buy a brand’s standard line, if you buy a brand, try store-own, and if you buy store’s own standard, try the ‘value’ range. You’ll soon learn where you can afford to save cash without losing much in terms of quality. Keep an eye out for pre-seasonal bargains on fresh produce and booze that you’ll need for Christmas, and fill up the freezer and drinks cabinet now.
Forage food for free
Autumn is a time of seasonal abundance, so get out and about and eat for free! If you’re mushroom-hunting, go with someone who knows what they’re doing or download an app like Common Choice Edible Mushrooms. Blackberries are everywhere, easy to gather and very versatile. Many edible leaves and herbs are found all over, even in urban areas, as are sweet chestnuts. Always exercise caution and if in doubt, don’t eat. The Wild Edibles app allows instant identification and provides recipes.
Stay in shape
Save money and earn yourself a decent calorie deficit so you can indulge in rich food come December. Check out local news websites and library and cafe notice boards for details of free local fitness classes and taster sessions, or train with a friend who’s into a particular sport. Libraries have a good selection of fitness DVDs available for a small hire charge, or you can download videos to a tablet. Bright autumn days are perfect for long, brisk walks that don’t cost a penny.
Raid the pantry
It’s amazing how much you accrue without even knowing it in your store cupboards and freezer. You can find tips for how to stock a cost-effective larder on Fugal Living UK Blog. Challenge yourself to make meals without shelling out for additional ingredients. When it comes to autumn eating, dried pulses, pasta and grains come into their own, forming the base of hearty suppers simply jazzed up with tinned vegetables or canned fish and sauce from a jar or packet. Using up what you’ve already bought saves money for Christmas – and creates vital shelf space for all those incoming seasonal goodies!
Pack in lunch spending and pack your lunch
Stopping spending on a daily lunch can add up to a fortune for the Christmas fund. Instead of grabbing a gourmet sandwich or going to a restaurant, pack something warm and filling to take to work or eat when you’re out and about. Invest in a Thermos flask and rustle up a batch of hearty, healthy soups or stews which you can eat with a roll for a nutritious lunch. Keep it interesting so that you’re not tempted to top up with expensive snacks. The Cheap Gourmet recommends recipes like sausage and beans soup, saying what’s “great about this sausage and bean soup is you can make it with just about any type of sausage. Mild or spicy Italian pork sausage, Chorizo, chicken or turkey sausage, or even breakfast sausage works well. The same holds true for the beans. I like to use 1 can each of dark red kidney and white cannellini, but have also used pinto, navy, and even butter beans.”
Stagger your spending
The cost of a big festive shop can be staggering. Instead of waiting until winter to start, work out your budget now and stagger the shopping so that there’s a little more room to manoeuvre come Christmas. Affording yourself the luxury of time means you won’t be held to ransom when prices are at a premium. Start to shop around now, keeping an eye out in discount retailers and pound shops for a great range of stocking fillers, books, decorations, nibbles, gift-wrap and Christmas cards.
Over the summer months, you’re likely to have built up a collection of holiday items, kids’ activity materials, clothes and entertainment items that you could really do without. Get the family to do a clear out, then assess what you have that’s of saleable quality. You can list and sell items via eBay, at local car-boot and table-top sales, or through posting adverts in local newsagent windows and supermarkets. You can also get cash for old electronics and more at CEX and Cash Converters.
Get the house snug to cut energy bills
Do an in-house energy audit to start cutting the running costs of your household now and right through the winter. Put draught excluders round doors, check window seals are tight, and hang heavy curtains to minimise heat loss. Place sheets of aluminium foil behind radiators to reflect heat back into the room and replace summer-weight duvets with higher-tog versions.
It’s tempting to switch the heating on at the first sign of chilly weather, and by turning the thermostat down even a single degree, you can make significant savings. Investigate low-energy cooking methods like slow-cookers and pressure-cookers, which can be pressed into service for effective batch-cooking at Christmas. Visit the Energy Savings Trust website to get your free home energy check-up.
- License: Royalty Free or iStock source: http://photodune.net/
- License: Royalty Free or iStock source: http://photodune.net/
- License: Royalty Free or iStock source: http://photodune.net/
- License: Royalty Free or iStock source: http://photodune.net/
Jessica Bourne loves to write about home, health, fitness and personal finance and in the lead up to the silly season is full of good advice on staying out of debt. You can read more of Jessica’s helpful budgeting tips in the eccount money blog and a variety of other websites, magazines and newspapers in print.
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Tips for Trading Stocks Wisely
Years ago when I was first learning about the stock market, it was much more of a guessing game for the layperson. We would be limited to watching the news tickers and the stock listings in the newspapers to try and figure out which ones were the best investments. These days, with the help of modern technology and the access to information, there are a ton of ways to invest in trading stocks more wisely.
By following a sound fundamental investment strategy, I am able to optimize my trading strategy. Here’s some of the advice I follow when I ask myself how do I buy and how do I sell shares:
Invest in Value
One of the key fundamentals I learned early on was to invest in value stocks. Don’t try and trade simply on the news, look at the company’s value and try to find good value stocks. This is advice followed by the best in the business such as Warren Buffett.
I find that it’s hard to predict how stock values are affected by news. Also, it’s often the case that by the time news becomes public, it’s already old information. If you buy a stock after hearing good news, you might end up buying at the peak. That’s why they say buy on bad news, sell on good.
However, if you review a company’s financial fundamentals, you can see some signals that they might be undervalued. Information such as the company’s revenue, cash flow, debt, price to earnings ratio are all valuable clues that you can look up online and get an idea if the company is a solid investment.
Invest in Products You Would Buy
This is advice that I try to follow often. It’s not simply following a trend, it’s actually a good fundamental tip.
I find that I do a lot of research if I am planning to buy a product or service. I try to look at the product reviews and warranty. This information tells me if the product is widely used as well as the quality of the manufacture. Also, I get a good idea if it is a company that is going to last so that I can have the product serviced if necessary.
The other benefit is that keeping to this simple rule helps me stick with industries that I know. It’s always risky to invest in industries that you don’t understand. Keeping my investments to companies that create products or services that I personally use ensures that I have a good basic understanding of the industry.
We all try to buy products that have an intrinsic value that will last and also give a great service for the price. These are all the same qualities that we look for in a good stock.
Watch Out for Debt
I personally try to stay away from companies that have too much debt. In my mind debt equals risk. Too much debt could be an indicator that the company simply is not turning enough of a profit to pay back their creditors.
To me the best stocks have very little to no debt, have a good amount of cash as operating capital, and also have good revenue. A good example of this would be Apple stock.
Of course, it’s important to keep in mind that a company needs to maintain a good balance as well. Companies need to spend money to make money. It’s important to see if the company has future plans for innovation with all their extra cash.
It’s ok, if part of their plan for cash is to pay dividends to their investors, but I also like to make sure that the company has a good R&D department to ensure that they are not stagnant.
Is the Industry Growing?
There’s no reason you can’t find a good value stock that is also a growth stock. In fact, I think those are the best kinds. I’m always mindful about whether a company is in a growth industry.
Modern technology is expanding in a number of different directions. There are a lot of industries, such as wireless technology, that is growing. I try to look at the company news to see if they have solid future plans. Are they in a rebounding or growing industry? Are they an industry leader?
Answering these questions help me weed out the stocks that are more likely to perform versus ones that may stagnate.
Invest for the Long Term
I’ve read that Warren Buffet doesn’t believe in selling stocks. He holds for the long term. I personally agree with that advice as well.
It’s hard to time the market. To me investing short term and trying to time the market is a losing strategy. While, I have heard about successful day traders, that’s just not my style.
I think for the average investor, investing for the long term is a better strategy.
First off, it keeps me focused on a company’s fundamentals. I find that every time I take a change and ignore fundamentals, I’m more likely to lose money on my investment. However, if I stick to the tips above and think long term, I’m generally more likely to make money.
Also, I find that if I find a good value company that is also in a growth industry, I earn more by holding it for the long term. Just imagine investing in Apple stock 10 or 15 years ago, what that stock would be worth now.
Stick with the Fundamentals
My last bit of advice is to stick with the fundamentals. I find this is good overall life advice. But it’s particularly valuable advice when looking for good investments and dealing with your own personal finances.
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How to launch a successful photography career
Photography is art. It is a way to see something beautiful, fascinating or unique through a lens, capture this incredible moment and then let other people see it through your eyes. Photography is inspiring. But it’s not just pushing a button and taking a great photo. It takes a lot of effort and time to become a good photographer and if you want to do it for a living, there are some important things you should do in order to launch a successful career in photography.
Whether you are a beginner or an advanced photographer, it will only do you good to attend courses. There are many, many details and techniques you can learn there to become very good at it. There is surely a lot that experts can teach you.
It’s about passion
If you’re planning on making a living on taking professional photographs, this means you love doing it. And this is exactly
how it should be. You need to be very passionate about it in order to succeed. The more you put your heart in your work, the greater success it will show for sure. And what’s better than doing something you love? In that case your job is never really work but great pleasure.
Open your mind and soul for everything. Try and see the world as a model to shoot. Inspiration is everywhere – in every sunset, in every building, person walking the street – all you have to do is open your eyes and let your photos tell a story.
Be who you are
As trivial as it may sound, every person is unique indeed. Put your own thoughts and ideas in your photography. It’s perhaps the most important quality you will have over everyone else – your own unique mind.
Don’t be scared of failure
No matter if you’re a beginner or not, mistakes are natural and everyone makes them. Many people achieve success after failing, it’s all about working hard on becoming good at what you do. Sometimes you might be actually amazed where your greatest breaks come from.
If you’ve decided to be a professional photographer, this means that you love it and you want to do it. In that case, giving up for any reason is not an option. Don’t quit if you haven’t yet succeeded like you wanted. Just keep on doing what you do. Don’t forget that there is no such thing as overnight success.
Appreciate constructive criticism
Don’t get offended when you’re being criticised but try and learn from what you’re told. Any suggestion might come handy one day.
Join a photography social network, meet more people passionate about photography, share your work and explore other artists’ works.
Hire professional assistants
Invest in good equipmentIt’s important for an assistant to be professional. This will let you focus on the important part without being distracted by every single detail that has to be taken care of.
It really isn’t only about technique. If you want to be professional, you should have a professional camera too. It’s definitely an essential investment and you won’t regret it. Choose the right quality equipment that will make a big difference to the results.
Creating your own portfolio is important. It will present you as a photographer and will convince potential clients that you are the photographer they want to work with. A professional-looking portfolio makes a huge difference and a very good impression.
Photography is a beautiful skill that needs effort to master. If you want to have a successful career as a photographer, follow the tips and always try to improve.
Author Bio: Rose knows a lot about business, careers and self improvement. With her experience like a manager of http://www.shinylondon.co.uk/deep-cleaning-tooting-sw17/ for so many years she has a lot to share.
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Four Simple Ways To Save Your Business Money
Every successful business needs to be profitable, but there are a lot of businesses owners that want to make money because they have a very personal stake in its success. The U.S. Census Bureau did a survey on business spending, and they found that 60.3% of the businesses they surveyed were funded by the owner’s or the employee’s personal savings. Profit is important for every business, but one of the easiest ways to keep your business in the black is to make sure you’re saving money on operating costs. You may think you’re running a tight ship, but there are always ways your business could save money. If you want to ensure that your money is being spent in the most efficient and effective ways possible, make sure you follow these money saving tips.
Evaluate your employees
It’s important to make sure that you always have enough employees on staff to run your business, but it’s very likely that you have more employees working certain shifts than you need. Spend some time observing your employees during their usual shifts, and pay special attention to what their doing. Do you notice that your employees are constantly on their feet helping customers, or do you notice a few standing around waiting to be needed? You may be able to only schedule a few employees for some shifts, or you may be able to let a an employee or two go if you have to many people on staff.
Make some business allies
You may not know it, but it’s very likely that your surrounded by businesses that would love to work with yours. You can save a lot of money by splitting advertising costs with a neighboring business by buying ad space in a local paper or website. You could even organize special sales with businesses that sell goods and services that complement your business. If you offer plumbing services, do a special deal with a nearby home goods store that gives their customers discounts on certain services. If you run a nail salon, see if the near by tanning business is willing to do a two for one deal.
You may have been using the same supplier for years, but you could be getting a better deal with someone else. When you find a good supplier it’s understandable why you wouldn’t want to look anywhere else, but you may be able to find the same dependable goods and services from someone who would be willing to charge you less. Do a little research and get some price quotes from surrounding suppliers, you may be surprised by how much you can save.
Switch up your communications provider
Our employees probably have to spend a lot of time on the phone or online in order to do their jobs. You could be saving a lot of money on phone and internet costs by shopping around to see if you can get a better deal. See if you can get a special package for businesses, they usually offer discounts to their customers that they know will be using their services frequently. If you make a lot of international calls, you may want to consider finding a hosted VoIP service so that you can save on phone costs.
- License: Creative Commons image source
Carolyn T. is an avid blogger with a Bachelor’s degree in Economics.
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Want Your Investments to Succeed? You Must Understand These Economic Factors
Among inexperienced investors, it’s common to purchase stock based on price alone. Following the Wall Street maxim of “buy low, sell high,” they buy larger quantities of low-priced stocks, believing that when the stock price rises, they will rake in huge amounts of cash.
While there are certainly documented cases of investors making significant profits using this strategy, it’s rare that a stock represents a good investment based on simply its price. A stock’s value is determined by a number of factors, including the long-term growth potential of the company, the company’s profits and several outside factors, including consumer confidence and retail index. By understanding these factors and how they affect the stock market, you can more effectively select investments to leverage your current assets and maximize your wealth.
When you watch the news, you hear plenty of talk about economic indicators: the benchmarks that experts use to gauge the economy’s health. These indicators do not happen in a vacuum, and have a direct effect on the price of stocks and how much you can earn with your investments.
Gross domestic product. The most general gauge of a nation’s economic health, the gross domestic product (GDP) is the total amount of goods and services produced in the borders of a particular nation. When the GDP is high, the economy is healthy and growing — and the stock market rises accordingly. Conversely, when the GDP decreases, the market decreases with it.
Consumer/product price indexes. How much it costs to produce and buy goods and services can have a significant impact on the stock market. When the producer price index (PPI) is high, it costs more to make goods for sale, thereby increasing the consumer price index (CPI), or the cost for consumers to purchase items. As the CPI and PPI increase, companies have less money for expansion while consumers have less money to spend on discretionary items. As a result, company profits decline, thereby decreasing their stock value.
Retail spending. Related to the CPI and PPI, retail spending is a major indicator of economic health. Almost 70 percent of the U.S. GDP is related to consumer spending; when reports indicate consumers aren’t spending any money, especially around traditionally robust shopping periods like the holidays, that causes ripples in the stock market. For example, if a major retailer reports lower-than-expected earnings in December, that could lead the company to reduce its workforce and revise profit estimates. Investors are then likely to sell their shares of the company to avoid experiencing losses, which only compounds the problem. However, if the reports indicate consumers are spending more money in retail, then it generally follows stock prices will go up.
Employment indicators. Every month, the federal government releases a jobs report, revealing the current unemployment rate and how many jobs were created in the previous month. Obviously, the lower the number of people who don’t have jobs and the more new jobs that need to be filled each month is an indicator of a healthy economy. When fewer people are working and jobs are scarce, consumers and companies are not spending any money, profits decline and the outlook is not good, resulting in a downturn in the market.
The Value of Money
How much money is actually worth also plays a major role in the rice of stocks and the health of the market. For example, inflation creates a rise in prices, which then lowers the amount of money that consumers have to spend. The Federal Reserve regularly adjusts interest rates to control inflation. Keeping interest rates low not only keeps prices low, it also makes it likelier that businesses and consumers will borrow, which increases spending.
While key economic indicators are important factors in determining stock values, outside factors also play an important role. For example, unrest in the Middle East impacts the availability and price of oil, which raises fuel prices in the U.S. — and increases the CPI and PPI. Trends in individual industries, legislative decisions and tax-rate increases or decreases also influence the market.
With so many factors influencing the market, it’s easy to see buying a stock based on its price alone may not be the soundest financial move. To truly increase your wealth and build a solid portfolio, consider these outside factors before making your purchases.
Image by Jeroen van Oostrom from freedigitalphotos.net
About the Author: Blogger Maria Kirk began investing as a child, when she worked with her grandfather to choose stocks and learn about making smart investments.
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Businesses Urged To ‘Tread Carefully’ Despite Green Shoots of Economic Recovery
Business leaders and economists have been preaching the ‘green shoots’ of economic recovery of late, as unemployment continues to fall and house prices steadily rise. “The business consolidation period is over,” stated ICAEW’s Simon Alsop at a roundtable discussing growth opportunities recently. Research findings analysed at the same discussion pointed to a core of SMEs dissatisfied with the restrictive nature of traditional bank overdrafts looking to alternative methods such as invoice factoring as a way to sure up cash flow and expand their businesses.
However, businesses are being urged to tread carefully. Managing partner of Liverpool based corporate recovery specialists Begbie’s Traynor John Fairbrother points to the trend of SMEs counting their chickens before they’ve hatched, over-stretching themselves financially in light of an improving economy and simply running out of working capital in the process. Factoring has been seen by many as a reliable way of plugging the funding gap, with lenders usually able to offer up to 90% of the value of the borrower’s invoices, with the loan being paid back upon receipt of payment from that business’ suppliers.
Fairbrother highlights the cash flow problem that exists for manufacturing firms. “When businesses have to commit to the raw material and make the products that are in demand due to rising sales…this results in a negative cash flow situation as payment for the finished goods will be in three or four months’ time.”
“Businesses might want to consider using invoice discounting or factoring as a means of managing cash flow,” he states.
The IMF however is more optimistic, upping their UK growth forecast from 0.9% to 1.4%. “Higher business confidence” was one of the factors that influenced this decision.
Factoring tends to be combined with other methods of invoice finance such as asset based lending, particularly in manufacturing circles where companies can tighten up the security of the loan against non-payment of invoices by borrowing against plants and machinery.
The Chancellor George Osborne has weighed in on the debate, asserting during a talk at a construction site recently that Britain is “turning the corner” and is well on the road to recovery after a long period of stagnation. Encouraging growth in manufacturing has been a core economic policy of this Conservative government
With over half of businesses surveyed by factoring brokerage Cashflow Acceleration stating that they felt they would be more successful given more flexible funding arrangements, the appetite for alternative forms of commercial finance such as factoring would appear to be growing.
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Why You Should use Professional SEO Services for Your Start-Up
Planning a start-up is always challenging, especially when it comes to creating your online presence. Having a website is essential in our modern times, especially if you want to focus on the larger customer base. This is why the professional SEO services are so important. If you want your company website to grow in popularity and receive more visitors on a continual basis, make sure that you work with a professional team that specializes in online marketing.
Online marketing can refer to a variety of tools and activities in order to market your website and your business to the online marketplace. If you work with a professional team, they will take care of all your marketing efforts on your pickoff, and ensure that your website receives the optimum exposure that it deserves. Online marketing can involve a variety of activities, including content development, link building, social media marketing, and more. It is also essential that your marketing efforts are continued on an on-going basis so that you can constantly build your business’s reputation as well as the popularity of your website.
A big part of professional SEO services is making sure that your website is optimized for search engines. This will ensure search engines like Google can find your website so that it can be properly indexed. This is very important as you want your website to be found on Google’s search engine result pages. Customers won’t be able to find you unless you come up in search results, which is why SEO services also important.
High Quality Content
The content that you use on your site is extremely important. This will contain keywords or phrases that you want your website to be optimized for, which is why you need to make sure that your content is well-written with SEO principles in mind. Although your content should always be written for humans you need to consider the fact that search engines need to rank your site for specific keywords. Your content will also need to be updated regularly so that your website can always provide fresh content for your audience.
Another great benefit of making use of SEO services is the fact that your team can help you with an effective online marketing plan. Online marketing can take many forms, but the results will be the same. Your website needs to be positioned on top of search engine result pages and it needs to be visible so that your customers can easily find you. You also need to keep an eye on your competitors so that you know what you’re up against and have the ability to tailor your marketing plan to consider this.
With the assistance of a professional team you can easily have them take care of your online marketing efforts while you focus on other areas of your business. It is very important, regardless of the size of your business or the industry that you are in. The online marketplace is huge and it is a very effective way for you to tap into a global customer base.
Phoenix Digital is based in South Africa and specialises in SEO services and website development for environmentally conscious companies around the globe.
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Gazelle Lock in Your Price 2.0 and Enter to Win $1 Million
Since Apple doesn’t appear to be offering pre-orders for the new iPhone 5s, Gazelle announced earlier today its second price lock extension. To ensure consumers who are planning to upgrade to a new iPhone get the most value out of their old device, Gazelle is offering consumers the opportunity to lock in today’s price for their previous model iPhones or other devices until September 30th. Consumers who lock in their price today will have until October 31st to send it in. Current pricing for the iPhone 5 ranges between $125 for a broken phone and $340 for a phone in flawless condition. With the sale price of the new iPhone 5c set at $99 with a 2 year contract, you can trade in your broken iPhone, get the new release, and still have some money left over for groceries! Additionally, Gazelle launched its Become a Gazellionaire™ Sweepstakes where one lucky person will win $1 million.Visit Gazelle.com/sweeps for more info.
Go to Gazelle today, see what your iPhone or other device is worth, and trade it in for a chance to win $1 million!
NO PURCHASE NECESSARY. The Become a Gazellionaire Sweepstakes starts on 9/9/13 at 12 a.m. (midnight) ET and ends on 12/31/13 at 11:59:59 PM ET. Visit Gazelle.com/sweeps for Official Rules and complete details on how to register, entry instructions, including how to enter without a transaction, odds of winning, etc. Open only to legal residents of the 50 U.S./D.C., 18 years or older. Void in Puerto Rico and where prohibited or restricted by law. Sponsor: Gazelle, Inc.
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Women Who Know Their Business
There have always been strong women leaders, but they have been in the minority – exceptions to the rule. The number of women taking MBA (Master of Business Administration) courses globally for the past few years has been depressingly low – around 30%. This changed last year, as a record 43% of the total applications for the Graduate Management Admission Test. Despite this, many women are dominating their industries and rising to the top quickly. The role of women in business is changing and there is increased support for this evolution.
Marissa Mayer, CEO of Yahoo, is a prime example of these women leaders. She was the first female engineer at Google and at just 37, she is the youngest Fortune 500 company’s CEO. Ladies who have MBAs are paving the way for other women to hold very high positions in their sectors. Meg Whitman, CEO of Hewlett Packard has an MBA and a degree in economics from Princeton University in America. Sheryl Sandberg, COO at Facebook, with an MBA from Harvard. The MBA course originated in the USA, so it’s not surprising that these women are all American. Elsewhere, examples include Germany’s Chancellor Angela Merkel, who seems to hold the hands of the male leaders of Europe – described as the de facto leader of the European Leader and Forbes magazine’s second most powerful person in the world.
A Highly Competitive Environment
MBA course applications from women have increased over the last year, possibly inspired by the increase of women leaders in many industries. Many women had previously been put off by the highly competitive environment and the heavy emphasis put on the number work and quantitative analysis rather than the qualities that are vital for a good manager – leadership, communication and people skills. The types of MBA course these days are more flexible and conducive with what women want and the skills that they can bring to the table.
To find their perfect course, more women are travelling abroad to study. The London Business School now sees the number of women coming from China to study outstrip the number of men. International business experience is incredibly important for women wishing to hold positions of power in their industry. Europe seems to be the destination of choice for women. According to a survey carried out by the Forté Foundation, 80% of North American women choose to study in Europe for the networking opportunities and 91% said it was because of the diversity of their classmates. If you want to be noticed quickly by employers, demonstrating a global awareness and ability will give you a distinct advantage.
Cary Cooper, Distinguished Professor of Organisational Psychology and Health at Lancaster University Management School believes, “Deep down men are less self-confident that they tend to talk themselves up. Women, meanwhile, are more likely to be content that they have done a good job without needing to shout about it.” Take the Femina Index, (created by a man to shout about the achievements of women in business!) it has concluded that a higher percentage of women on senior management teams perform better in the stock market than their male-dominated counterparts.
There is still a long way to go – a 2012 analysis of the top 50 UK companies by the Guardian, only 14% of the top positions were filled by women. There is support, however, in the form of organisations like Women on Boards, a mentorship programme that creates pathways into leadership positions. MBA Women International (USA based) seeks to support women when they embark on their careers – providing networking and skills development and continual professional development and opportunity. As Madeleine Albright famously said, women who don’t help other women will end up in a special place called hell.
Author: Jenn is a graduate who has worked globally. With an understanding of business and a Telegraph MBA course under her graduate hat she is able to offer advice. Let us know about your successful experience that has led you to succeed.
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Make Money with Online Classifieds
Make money buying, selling and trading online. These days it’s easier than ever to get rid of your old junk and even turn it into an online business by selling your things online.
I accumulate a lot of things over the years. I have everything from furniture to electronics that still work well, but I don’t need for one reason or another. I’ve had garage sales and I’ve even taken my used items to the store and sold them at a discounted price. It’s a good way to de-clutter and make some money at the same time.
But selling things the old traditional way is a lot of work. A garage sale may bring in good money , but it takes set up time, advertising and sitting out in the hot sun waiting for buyers to come around. Then you have to deal with the bargain hunters trying to negotiate you down. It becomes an exercise in nickel and diming.
One of the things that modern technology has allowed is taking this process off your front lawn and onto the internet. Free online classifieds are a really great way to take the hassle out of selling your things and streamline the process.
Online classifieds are a great way to reach a larger audience. You are no longer limited to the local newspaper, you’ve got the entire internet at your fingertips.
You only need to see the success of sites such as craigslist to see the value in online classified websites. While craigslist is popular here in the states, there are many brands available all around the world.
Olx is quickly becoming a household name in India, showing an incredible increase in traffic over the last few years. They have a slickly designed website that is easy to use and comfortable for their desktop as well as their mobile users.
One of the keys to Olx’s success is their ability to keep up with the latest trends in technology. These days mobile users are outpacing desktop users. While, Olx has a great desktop version of their website, they’ve also kept their mobile version up to date offering an OLX App for iPhone, iPod touch and iPad as well as android versions of their app.
By making a great app, they’ve attracted more users with their mobile users even outpacing the growth for their desktop users.
Using online classifieds such as Olx allows a seller or buyer to easily make a transaction. If you have old items it works great to sell online. Your online classified ad reaches a greater audience and you are more likely to get your asking price.
As a buyer, searching for your product through an online classified can save you a lot of money. Often, you can find a used product in great condition, sometimes even brand new, at a heft discount. There’s no need to pay full retail price if you can find something in perfect condition through an online classified.
Either way, as a buyer or a seller, using free online classifieds is a great way to save money.