There are several different trends you can apply which can change how you perceive and view personal lending and debt. Here are some of them listed and explained below.

1. Fintech fragmentation which starts by moving toward a winner who will remove uncertainty

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When you look at the current world we live in, you notice that every person only gets paid to sweat and brave the details of uncertainty. And you find that anyone who can remove certainty always stands to make a lot of money. Look at the blockchain technology which can remove uncertainty on the value of an asset. It can help a lot when it comes to eliminating fraud by ensuring every individual is given a unique ID, explains Chad Otar, Excel Capital.

2. The market is evolving: the 2018 marketing efforts are bound to get cheaper with targeting getting easier

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Many B2B businesses, Lendgreen lenders included, will eventually have to move into building long-term relationships instead of looking to acquire more leads. These businesses will also have to pay more attention to the churn rate to monitor all the long-term health of their brand or marketing.

Businesses will also get to be more personal and human when it comes to marketing as well with the inception and incredible growth of social media which still continues to blur the lines when it comes to telling the difference between professional and personal lives, states Mark Seigel, Veritas Financial.

3. It will be much easier to maintain a portfolio using technology and algorithms to spot any issues

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Algorithms are currently taking over the transaction business in the B2B businesses. Businesses can now maintain their portfolio much easier with technology spotting any problems or issues that might arise in the business and showing you where you need to focus more of your attention. You will practically be more efficient.

Lenders are now incorporating more data into their sales, portfolio management, and underwriting processes as well as their decision making all to ensure they deliver easily accessible and convenient services, explains Linda McDonough, communications & marketing executive, LLC.

4. More power shifts to the client or consumer with the increased number of reviews and data which influences their decisions

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Right now the reviews on TrustPilot basically acts more like the Yelp site for B2B businesses. And you will find that more clients are now depending on sites with unbiased reviews to make their decisions. These sites can be Facebook reviews, Google reviews, and any other trustworthy sites like TrustPilot.

5. Big players keep pushing into the lending business while some of the upstarts can still end up experiencing business model pivots

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The population of contract workers, freelancers, and many small businesses is growing at a very fast rate and for the businesses that rely more on invoicing, it is inevitable that behemoths like PayPal and Amazon can end up exploring lending at much larger scale.

Other companies like OnDeck.Inc. may also have to rethink their overall lending models with the current age where high rates are no longer acceptable to investors.

6. More records are getting digitized

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There is no other way to go about it. Even the businesses and industries that have widely resisted it need to have their records digitized. This will hopefully make your jobs much easier when it comes to factors like record-keeping and fuel distribution. It will also be a lot easier to spot problems find systemic issues which your business underwriters may have missed.

7. Personal contact with your clients and customers has now become a premium service with most services now going digital

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Organizations and businesses will no longer have to work and interact with only half of their customers. Contextual engagement has now become a source of differentiation and with the current impact of automation and ability to integrate human and digital interaction, it now seems like customers and businesses are interacting at more personal levels than before.

Explains Vince Mancuso, NextEdge Capital

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While every couple would love to talk about how they would spend all that money if they won the lottery, or how their lives would change if they won that jackpot, it all comes down to the hardships of getting that dollar and cent on the table. Especially if you have plans on getting installment loans from creditors: Lendgreen. This is no easy feat as most couples know by now. Here are six steps that can help to define who you financially as an individual, and also help you lay the groundwork for any short, medium, or long-term planning that you may have.

  1. Who are you?

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You can decide to have your own little confession time with your partner to get to know each other better. How does each of you behave around money? What worries you? What are your strengths and weaknesses? When you explore the money topic as a couple, you may realize the many financial personality issues you had that you may have ignored or just failed to realize by yourselves and help each other deal with these issues.

  1. Your assets and liabilities (loans)

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Most of the times, you will find couples meet, fall in love, and get married without taking time to learn about their partner’s financial situations, their assets, and even their liabilities. Trust me; it never ends well if your partner is only finding out about an old student loan you took some decades back, or that you find out that your partner is so deep in arrears only during the time you are negotiating a mortgage for the home you want to have together.

You can make things easier by listing down every debt you’ve ever owned and also all the assets that you own, including all your bank and investment accounts. Keep your partner on the loop about everything so they don’t get shocked hearing all these when nothing can be done about them.

  1. Share credit reports

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As couples, it would be a good idea to share your credit reports. So, each partner knows the other’s credit history. You may have a poor credit history, but through some agreements with your partner, the other person can help you to improve it possible in the future.

  1. The cash flow

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Another factor that will amaze you is to realize that most couples don’t usually know their partner’s gross income, leave aside their disposable income at the end of the month. As couples, you can always decide to lay out one another’s monthly after-tax income and also list all your monthly obligations as well. Do not forget to include your semi-annual or annual payments as well as insurance. This will help both of you, as couples, to create a couple’s budget which is a much better way you can handle your finances.

  1. Establish your roles

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Another one of the difficult aspects to deal with as couples is establishing each other’s roles in your relationship. This is usually difficult to those partners who have been single for a long period. These partners have problems deciding on how they can manage joint finances. The most important thing is that you have a discussion about it together, and work on how the two of you can come to an understanding, then stick to the agreement until both of you agree on a change.

  1. Dream

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Everybody dreams of having that flashy and luxurious lifestyle one day. Of course, all these dreams cost a lot of money. A lot of beautiful things can come from dreams, especially when you realize that your partner shares in these dreams as well. You should always let your dreams be the driving factor towards creating that financial plan together.

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I was recently asked by the New York Times to participate in a debate about women and work in Europe, especially in Germany. In the end, the question that appeared  on their Opinion page is not the one I was asked to address (“How can we get men to do more at home?”), although I would have loved to address that more centrally. (Maybe next time!).

Nevertheless, I did address the larger question of gender equality and how men’s parental leave is a critical part of this issue.

Below is the first part of my response; for the full piece, click here.

The quest for greater gender equality in paid work and care work requires multiple strategies that involve both women and men. The International Herald Tribune article about women in the German work force dealt mainly with the issue of women and work. Yet, the challenges that men face, both as workers and as caregivers, must also be addressed.

One way of addressing this is to look to countries like Sweden, Norway and Canada for lessons on how parental leave policies have been used to encourage changing gender relations around paid work and care work. These are policies that recognize and build on the constant interplay between gender equality and gender differences.

In Sweden and Norway, there has been a significant shift away from the “male breadwinner/ female caregiver model” of work and family. This occurred partly through respecting a long-standing practice of long maternity leaves for women combined with affordable, accessible and high-quality child care; to this, they added parental leave policies designed to encourage men to be involved in early child care. One of the rationales for the latter was that getting fathers into the home would help to disrupt a deeply rooted pattern and social norm of women as primary care-giving experts and men as main breadwinners.

Click here to read more and to join in the debate!

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5 Ways Adult Massage is Set to Benefit You

by Andrea on December 23, 2017

To experience a great erotic massage takes careful planning. While you need not be a professional, you may still offer your partner a superb way to relieve, relax, connect, and explore pleasure. Furthermore, adult massages are a great seduction technique to spice up your love life with your lover. But these are just a small number off of the benefits of this beautiful art. There is more than meets the eye.

1. Helps in body healing

With erotic massage, you get health benefits for your body. Aching muscles and overworked joints can be healed with good adult massages. Massages ensure your body muscles tension is low, and this enhances your general body healing process. Consequently, you will improve your recovery process and exercise performance during the workout. Furthermore, reducing stress through massage can keep severe mental problems out of your life.

2. Enhances intimacy in your relationship

Whether starting a new relationship, married for years or just in a short love affair, adult massages are an excellent way to build your feelings through pleasure. A gentle, relaxing and invigorating massage will help develop heightened spiritual and emotional intimacy to enhance your love life.

3. Creates conscious connection

You may feel a disconnection within your relationship. It’s recommended that a pleasant evening massage is a great way to relax and open up to your partner. You get to learn to be conscious of your own emotions and feelings and those of your spouse, and this strengthens your relationship.

4. Stress reliever

If left overlooked and untreated for a long time, stress can take a considerable toll on your body. A significant benefit of a proper massage is its ability to relieve you from stress. There is scientific research that has proved that a sensual massage increases the production of hormones that allow your body muscles to relax all together. Additionally, the feel-good hormones act as natural tranquilizers to the body thus relieving you of anxiety.

5. Build your physical fitness

While you may tend to overlook massage, a benefit can be seen every day. A good example would be our athletes. They are fit due to frequent massages that help their bodies recover. Now imagine taking this to your bedroom. Not only will you be fit but also stimulate your blood circulation and relax your muscles.

A Final Thought:

While massages can be stimulating, careful consideration of your partner should be in mind. Whereas there is no defined way to give massage pleasure to your partner, your methods should leave your partner feeling better than before. Nevertheless, massages have a stained reputation of malice and its time they are given credit and seen as physical therapy that benefits the mind, body, and soul. Visit the TorontoMassage.me website to learn more, because they may be able to provide you with the information that you need.

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Talking about personal finance is one of the most sensitive topics to bring up with your significant other.  If this subject isn’t communicated properly, it could very well be the demise of your relationship down the road.  Fortunately, I would like to share this insightful infographic created by Northcash, offering what I think are 4 important tips on how to talk about money with your partner.

How to talk about money with your partner - INFOGRAPHIC by Northcash

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When you are wanting to send an unusual and extremely thoughtful gift for whatever the occasion may be, flower delivery conveys that special sentiment in a popular and very much appreciated way.

Flower delivery is the perfect answer for all kinds of situations. It may be to celebrate a happy time like a birthday, anniversary, child’s baby shower or birth, wedding or wedding shower, decorated appropriately for a holiday, thank you, graduation, congratulations, just to say “I love you,” or other themes where flowers add to the glee. Or it may be a sad time such as a death in someone’s family, wishing a get well from a serious illness or accident, or the like.

Thinking of the Person

In any case, the arrival of flowers in outstanding or unusual vases and other stylish and reusable containers perhaps with the addition of balloons or gift baskets is sure to show the surprised recipient that you care deeply and are thinking of him or her with sincere thoughts at such a time.

Some Unusual Choices

Be Happy Bouquet
Pretty and colorful flowers in a ceramic “happy face” mug will bring cheer every time it is filled with a cup of coffee, tea, or cocoa at any time of day.

Golden Laughter Bouquet
Golden roses added to other fragrant flowers and embellishments is a stylish way to bring an appreciative reaction.

Make a Wish on a Special “Cake”
Picture a delightful “cake” made entirely of fresh flowers and covered with candles! What could be more unique than that?

America the Beautiful
A patriotic arrangement in red, white, and blue flowers and decorated with flags is a stunning way to honor the courage and character of people at a July Fourth cookout, dinner, or dance. More resources are available at King West Flowers if you would like to learn more.

Violets and Butterflies
Velvety violets and gorgeous butterflies can be wrapped by a radiant ribbon into a basketful of delight for so many different occasions.

Convenience at a Flower Shop

Flowers generate almost $35 billion a year in business revenue and allow you to send fresh flowers anywhere in the world. It is so easy and convenient to go online at reputable flower shops, search through beautiful and clever inventories, and choose or put together flower arrangements and perhaps additional gifts to be delivered by the florist to express unique messages on a special day.

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Often, parents are unable to decide whether to raise their kids at home with the help of a nanny or to take the to a local daycare facility. While it is not easy to make such a decision, it is vital to understand that every method had its pros and cons. However, the benefits of taking a kid to a good daycare facility outweigh the advantages of raising a kid at home. The following are some of the reasons why parents take their kids to these facilities:

The kid will not get bored
A kid is likely to get bored in a familiar setting, and since the life at home can be monotonous, it is better to explore life at a child care facility. Boredom can be detrimental in the development of a child, and it is vital to exploit the play facilities at such a facility. In addition to having fun, the child learns to follow a strict schedule in such a facility, meaning that your kid will be prepared for the academic sojourn ahead. By interacting with different kids from all walks of life, a kid who goes to a childcare facility develops good interpersonal skills that come in handy in life. A child care facility provides a good foundation for a child to develop the mental strength and character that is instrumental in life, now and in the future.

Preparing the kid for academic life
Most of the games that kids play at the facility help the kids to prepare for the academic life. Children will learn to count as they play, preparing them for basic maths in the process. Also, these kids improve their spoken language, meaning that they learn how to communicate in a better way. Evidently, the kids who go to these facilities at an early are more prepared to begin their studies compared to those who stay at home. When you look at the bigger picture, you will realize that your kid will have to go to school one day and that a daycare facility will make the transition easier.

Daycare staffs are trained professionals
Contrary to popular belief, it is always important to understand that once you identify the right facility, you can rest easy since the child is always in good hands. The people who take care of the kids are trained professionals. Before opening childcare center, the government undertakes thorough scrutiny to ensure that these facilities meet the minimum standards in terms of safety, security, personnel, and equipment. By understanding that a daycare facility will take good care of the kids, you will concentrate on your job since you will have peace of mind. For more information, visit the Wee Watch Licensed Home Child Care website.

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Tips for Painting Your Hardwood Floors

by Andrea on November 16, 2016

If you want to make your hardwood floors look new without refinishing them or buying new hardwood flooring, you can paint them. This is a project you could do yourself, but make sure to do it correctly the first time or you might have to hire someone to redo the paint job. Here are several essential tips to help you beautifully paint your hardwood floors:

Scuff-Sand the Floor Before Painting

To prepare the hardwood flooring for painting, you must scuff-sand it with 150-grit sandpaper. The goal is to rough up the wood flooring enough for the primer to stick well to the wood. You’re not going for a smooth surface yet.

Thoroughly Clean the Floor

Before you paint wood flooring, you must thoroughly clean it. Dusting and mopping it isn’t good enough. You must vacuum the dust, then use a wood floor cleaner on the floors. Allow the wood floors to dry for two days before continuing. If the flooring is still moist, wait longer until they are completely dry. It’s important to let the hardwood floors dry because moisture can cause bubbles during painting.

Prime the Wood Floors

An oil-based primer is ideal for priming hardwood floors, but you could use a high quality latex primer too. If you use an oil-based primer, always buy oil-based paint as well. If you use a latex primer, then go for latex paint. For oil products, let the floor dry for at least 24 hours. A latex primer can dry overnight.

Sand the Floor After It’s Primed

To prevent imperfections from showing through the completed paint job, you should sand the wood floors after priming them. It might seem unnecessary because you sanded before priming, but it is a crucial step. This time, you must also sand with 220-grit sandpaper instead of 150-grit.

Use a Tack Cloth to Wipe the Dust from the Floor

After sanding, use a tack cloth to wipe the dust from the hardwood floors. Cotton rags and paper towels shouldn’t be used because they leave fibers behind on the floor that can ruin the paint job.

Paint Each Coat as Thinly as Possible

Be conservative with the paint as you brush or roll it onto the wood flooring. If you paint too thickly, it will take longer to dry and won’t look as good. When using a roller to paint the floor, take it slow to prevent bubbles from forming. A 1/4-nap microfiber roller works best as a roller for painting hardwood floors. When it comes to brushes, choose a natural bristle brush for best results.

Painting your hardwood floors is a fun painting project you can do yourself. Because it will span over several days to do it correctly, you definitely don’t want to make any mistakes and have to redo the project. While you may enjoy painting the floors, it still takes a bit of your time. Follow the tips above to ensure your painting project runs smoothly. You can find more resources available at the Relative Space website.

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If you’re expecting, you may be wondering whether or not a baby show will even be worth your time. You’re expecting designer displays with all sorts of equipment that you can’t afford. Maybe you’re bringing in plenty of hand-me-downs or relying on friends and family to share the latest parenting news with you. Attending a baby show, however, has a number of benefits for future parents.
1. You’ll get a look at gear no one in your family chose to use.
Seeing it at the show doesn’t mean you have to buy it immediately. In fact, you may find yourself wondering what you would ever want with a device meant to help remove mucus from your baby’s nose or thinking that you’ll never use a swaddle for your little one when a blanket will do just as well. Knowing that they’re out there, however, will let you know what your options are once your little bundle of joy makes their arrival.
2. You’ll learn about new gear and advances.
Did you know that babywearing is one of the newest trends in parenting? Have you ever touched a new cloth diaper and realized just how easy it can be? Checking out new gear now means that you aren’t left years down the road wishing that you’d known about “that” when your baby was little.

3. You’ll get to touch things.

It’s amazing how much baby gear is only available online. At many baby shows, however, you’ll be able to walk through the booths and actually put your hands on plenty of items that can normally only be found online. Most vendors are also aware that many future parents–that is, the ones who don’t yet have a baby in arms–will be attending the event, so they’ll provide all the tools you need to try out the gear.

 

4. You’ll get your questions answered.

Sure, you can always email a manufacturer or check out a Facebook group. Still, there’s something about hands-on interaction that can help make getting answers to your questions easier.

 

5. You’ll make connections.

Baby shows are great places to learn about local mom groups, meet that midwife or doula you’ve heard all about in person, and make connections with other local moms. If you’re a first-time parent, you might not have many mommy friends, but that’s okay! There are plenty of people at these events for you to meet.

Attending a baby show is a great way to get your hands on the latest and greatest baby equipment, learn more about what other parents have done successfully, and check out other offerings in your area. If you’re still on the fence about attending, jump off and dive in! Baby shows are well worth the time.

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How To Plan Your Wedding

by Andrea on September 30, 2016

Engaged couples who are planning their wedding will quickly learn just how many details there are to creating the perfect event. From the flowers to the favors, there are many items to pick out to create a special day that is remembered for a lifetime. To ensure that you can plan your wedding successfully and allow it to be everything you’ve envisioned, there are a few important tips to follow.

Create a Budget

The budget of your wedding will determine each detail of the special day, making it important to calculate what you can afford before the planning begins. You’ll also need to have enough wiggle room in the budget for unexpected expenses that may arise, which includes the cost of extra wedding invitations or having the wedding dress hemmed.

Choose the Wedding Venue First

Although it can be easy to find a caterer or begin shopping for your wedding dress after becoming engaged, it’s important to first choose a wedding venue. The venue will work as a canvas for the decorations and the attire that you pick, making it important to find a space before deciding on the style of your wedding.

Find a Marriage Officiant

The wedding ceremony should run smoothly to ensure that you enjoy each moment of the event while saying, “I do.” It’s important to find wedding officiants who are certified and have experience marrying couples. Find an officiant that you feel comfortable with and pick someone who has a friendly personality. Set up a meeting to ensure that they have proper speech and are willing to make the ceremony modern or traditional.

Determine Your Color Scheme

You’ll need to choose your color scheme before picking out the flowers or bridesmaid dresses to ensure that everything looks professionally styled. Consider visiting a hardware store to pick out different color swatches that you can use as inspiration for your wedding day. You can also find color schemes online with inspiration boards that you can make on wedding websites, which will allow you to stick with a specific vision that you have in mind.

Hire a Planner

Although you may want to plan each detail of your wedding yourself, you’ll still need someone to direct everything on the day of the event. Hire a day-of coordinator who can work with your vendors and style the centerpieces as you get ready before the ceremony begins. This will allow you to avoid the stress of working through problems that may arise and will ensure that you truly enjoy the day from beginning to end.

Shop Around

When finding someone to cater the food or when looking for a photographer, you’ll need to shop around to find a good deal. Opt for vendors or professionals who are competitive with their prices to ensure that you can stay within your budget. You can also ask for discounts or promotions that may be available if you write a review on their website or recommend them to a friend.

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Recent Articles

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