Category Archives: Business

How Bad Credit Can Negatively Affect Your Life

Having bad credit might not seem like a big deal, but it can affect your life in more ways than you probably realize. Luckily, credit counselling can help you bring your credit score up so that you don’t have to deal with these issues. These are some of the potential problems that you might face if you don’t do something about your bad credit score.

It Can Be Difficult to Find a Job

One effect of bad credit that you might not be aware of is the fact that it can actually affect your ability to get a job. A lot of people don’t realize this, but some employers do run credit checks on their potential employees. This is especially common in the financial sector, but it can be possible in other industries as well. You probably don’t want to get turned down for your dream job because of your credit score, but this is exactly what could happen if you don’t do something to improve your credit.

Finding Housing Can Be a Challenge

One of the biggest effects that a low credit score can have on your life is the fact that it can make it difficult for you to find housing. Of course, you might already know that getting approved for a mortgage so that you can buy a house of your own is pretty much out of the question. However, you might not realize the fact that it could be very difficult for you to find a place to rent when you have bad credit as well. Even if you are thinking about moving in as a roommate with someone else, you might still have to undergo a credit check before you can get approved.

Buying a Car Can Be Tricky

Another bad thing about having bad credit is the fact that it can make buying a car difficult unless you have the cash to buy it outright. Many lenders require borrowers to have decent credit in order to get qualified for a car loan, so you might have a hard time buying a decent car until you improve your credit score.

You Can End Up Paying More for Everything

Even if you are able to get approved for a loan with bad credit, you will generally end up having to pay much more in interest rates and fees. This means that your bad credit score can end up being incredibly costly.

As you can see, there are various ways that bad credit can negatively affect your life. If you have a low credit score and have not yet thought about credit counselling, it might just be something that you will want to look into. Then, you can help avoid these issues. For more information, At Ease Credit Management Solutions is a helpful website with additional resources.

Five Tools That Keep Your Business Secure

In this day and age, business owners have to take extra steps to ensure that their businesses remain safe at all times. The following are five tools that you can start using in your business to ensure that you and your employees are safe at all times.

Digital Locks

Digital lock installation is one of the first things you can do to protect your business and everything in it. Digital locks are much more secure than the old-school locks that advanced robbers can pick. You can contact a specialist today who can talk to you about the various packages and prices.

Surveillance Cameras

Surveillance cameras are other tools that you can use to protect yourself as well as your assets. The cameras can keep your customers from being harmed, as well. A wide variety of cameras exists, and each camera has unique features. The one you end up buying depends on your needs. Generally, you should buy a camera that will allow you to view every room within the business that is legal to view. It will keep you up to date on everything that is going on within your establishment.

Security Guards

Security guards can be a huge help if you own a large store on a large property. You can hire armed or unarmed guards to ensure that anyone who enters your establishment is safe and unarmed. Alternatively, you could just use them just to keep the peace if things ever get out of hand. Security guard software can help you keep track of where your guards are at times. You will never have to to worry if you have a good program intact.

Virus Protection

Virus protection is something that many business owners overlook, and then they have severe security breaches in their computer system later. You should invest heavily in the most effective virus protection program to ensure that your business’s information remains secure. Additionally, you want to ensure that your consumers’ information remains secure, as well. Some programs are available for free, but you should do whatever it takes to ensure that you purchase the best possible program.

Defensive Weapons

Finally, you may want to have some defensive weapons on the premises. First, ensure that the laws permit you to have such items inside of your business establishment. Secondly, you must ensure that you only use such items for self-defense. Examples of some items that you could use are tasers, stun guns, mace and pepper spray. Such items should only be used in an emergency when your life or the life of one of your patrons is severely in jeopardy.

Use this information to ensure that security is tight around your establishment. Your employees and customers will appreciate it. The Silvertrac Software, Inc. website is a useful resource if you would like to learn more information.

5 Marketing Strategies that are Perfect for Small Businesses with Limited Budgets

Managing cash flow and controlling the budget is a constant source of challenge for small business owners. But just because you don’t have a lot of capital to invest into your business doesn’t mean that you can’t grow your business. There are numerous no cost or low cost marketing strategies you can use to establish your brand, open up new revenue streams, and gain new business allies.

  Joint Ventures

A joint venture is basically a strategy where you team up with another business for a mutual benefit. One example is a pet obedience training company teaming up with a veterinarian to cross promote each other’s services. Another example is a wedding planner teaming up with a florist. To make this strategy work, you need to find a small business that serves the same audience as you but isn’t direct competing with you. The goal is to set up a win-win business so that both parties can grow their businesses. For more business resources, you may do additional research at the Ontario Centres of Excellence website for more information.

 Content Marketing

One of the best ways to establish yourself online is through great content. By creating great content and pushing it out to relevant and reputable blogs, you can start to get your name out there and establish your authority while building your brand. To make this strategy work, you really need to create content that wows your target audience. By constantly outing great content, you may even become a regular writer for a blog network or well-known blog.

Social Media

Social media works synergistically with content marketing as it can serve as a distribution channel to get your work. With social media you can build followers for your brand and get the word out there about your products and services. But what makes social media really powerful is the ability to connect with influencers and teaming up with them to promote your content and consequently, your brand.

 Targeted Website Advertising

One of the best ways to promote your website is to find smaller websites to advertise on. There are websites that are getting a respectable amount of traffic with very few sponsors. Finding and contacting the website owners can be one of the most affordable ways to promote your business. You may find that paying a monthly sponsorship fee will help you generate leads at a far lower cost than advertising on Google or Facebook.


Referral and Reward Programs

One of the best ways to bring in new business is to leverage your customers by creating referral and reward programs. You want to make it easy for your customers to refer you and get compensated for bringing in new business. You also want to keep your customers coming back by offering them rewards for their loyalty. What makes these strategies work is ensuring that the compensation and rewards are respectable as opposed to something many people will shrug off.

BBM poses “small” risk from Heartbleed on Smartphones

Waterloo, ON. A statement from the Waterloo, Ontario -based company says investigations have found no problems from Heartbleed on Blackberry smartphones and servers, which are ‘fully protected from the OpenSSL issue.’

A representant for BlackBerry was unable to confirm whether BlackBerry would issue a software update to fix the security issues with BBM on Android and iPhone devices. BlackBerry says Apple Android and iPhone devices running chat software BlackBerry Messenger face an ‘extremely small’ risk from the Heartbleed software bug. This bug is caused by a flaw in OpenSSL software, that is used on the Internet to provide security and privacy.

BBM or BlackBerry Messenger was created originally for the company’s own products, but BlackBerry released software which made the app available to users on Android and iPhone devices. There are different versions which run on non-BlackBerry smartphones don’t have the same security standards as a phone connected to its enterprise servers. Those are the backbone of the company’s security features.

But it warned that hacker attacks were possible on these other versions of BBM although they would be ‘extremely difficult to execute,’ requiring a so-called “man in the middle” attack who should intercept data from a device before it reaches its destination server, or involves picking off traffic as it moves in between different devices and networks. An attack would grab the traffic and literally steal my username and password from that exchange. It’s literally standing between you and the system you want to access and stealing the credentials as you enter them.

Canada Revenue Agency affected.
The vulnerability posed by Heartbleed came to public attention this month but researchers say it may have existed for years. Security experts say Heartbleed may undermine security features of websites and networking equipment, but the extent of the damage isn’t known.

Canada Revenue Agency says it estimates the social insurance numbers of roughly 900 people were stolen from its systems through a six-hour breach before the CRA blocked public access to its online services last week.