Safety tips to follow when planning and travelling on a vacation

Due to the pandemic ravaging different countries of the world, you have to be on the lookout for your safety. It is advisable you stay at home if you can, as you never can tell who has the virus. For instance, if you decide to travel, other infected but asymptomatic people may spread the virus where you are or vice versa. However, if it is impossible for you not to travel, you have to protect yourself before, after and during your journey. Here are some things to look out for before you travel.

Get yourself diagnosed

Go to a well-equipped and accredited hospital to get tested. Not all hospitals are licensed to test people for coronavirus, so you should choose the hospital you go to carefully. If you are found to be positive, cancel your trip immediately. If you are requested to stay in isolation, ensure you comply. If you are virus-free, try to stay safe at all times during your journey.

Check the data of the country you want to travel to

Some countries have higher number of cases than others. You should confirm if it is safe for you to travel to such a country. Besides, there may be travel restrictions you need to be aware of. If after reviewing the country’s health data and travel policy, you find the conditions are unfavourable, you should cancel your trip.

Never travel with a sick person

No matter who the sick person is to you, do not go on any journey with them. Rather, you should get them checked in a hospital for proper treatment. Travelling with a sick person means you are endangering your life and that of others and denying the sick person access to treatment. If you are a caretaker, you may have to stay with the person until they recover.

find a travel insurance

If you must travel, here are some precautions you should follow too:

Abide by the guidelines of the health’s organizations

You should stay protected at all times during your journey. Wear a face mask always. Face masks help fight off free virus radicals in the air. You should also be careful about how you touch surfaces. It is advisable you wear gloves if you would be touching anything. Do not stay in a congested area. As much as possible, maintain a distance of six feet from the next person. Limit physical touches, and always sneeze into your elbows. Avoid being around anyone who is sick. If you feel somehow, quickly get in touch with health officials.

Get travel insurance

If you want to travel during this period when the world is still battling the Covid-19 pandemic, it is important that you find a travel insurance policy that would cover losses from the effects of Covid-19 and to protect your health too. Travel insurance has always been an important type of insurance that should always be part of your plans before Covid-19 and after. However, the current Covid-19 pandemic makes travel insurance even more important.

Consider how to stay safe in whatever mode of transportation you choose

Depending on your type of transportation, your safety tactics will be different. For instance, due to the air circulating in a airplane, it is difficult for the virus to thrive. However, if you are in a congested airplane, it is impossible to maintain the six-feet distance rule. In worst cases, you and other passengers have to sit with body parts touching. If you are travelling by a train, you may not get much  space to yourself either. Trains are usually packed with a lot of people, some stand while some sit. Travelling in a personal car is much better, but if you have to stop on the road to attend to some things, you risk contacting the virus. As such, you need to know how to deal with the inefficiencies of each transport system. If you have the money, you can choose to travel with an airline that keeps to the social distancing rule, or pack all you need beforehand so that you will not have to stop on your trip if you are using your personal car.

Ensure you stay in a safe place

When you get to your destination, get a safe place to stay. You can choose to lodge at a hotel that complies with the safety rules laid down by health bodies. If you would be staying in a house with others, you should ensure that everyone is free from the virus. Also, you should confirm if they strive to keep themselves safe as they go about their daily dealings. However, being in the middle of a pandemic does not mean you become distressed unnecessarily. As you keep yourself safe, try to eat and drink healthy as well. Keep your happiness alive while going about doing the things you love. The pandemic will soon be over and you need to keep yourself for that time as well.

How to reduce wasting of money at your business after coronavirus: tips and techniques

Reducing your overall business running cost is a major action you must take if your business must survive and thrive after the coronavirus pandemic.  According to experts from the Harvard Business School and MoneyFarm Services, an average small and medium scale business has enough cash to last for only about 1 month. Regular cash flow is needed for maintaining solvency especially when demand and sales fall. However cutting down overall business running cost and seeking financial business help can help position the business for productivity.

In this post we’ll discuss about some of the tips to help you reduce cost after the coronavirus pandemic.

MoneyFarm Services

1.    Bill deferment

Many utility companies, lenders and banks are currently offering small scale businesses affected by the pandemic bill deferments. You can apply to see if your business qualify for such opportunities.

Examples include

  • Loans- you can contact your lenders and other credit unions you’re indebted to, to see if they can defer al mortgage loans for 12 months. You can also reach out to your bankers to see if they can suspend monthly auto loan repayments for a temporary period until business activities resumes fully.
  • Rent- businesses and companies that rent out open spaces can talk with their landlords to see if there is a way they can suspend rent payments for a temporary time
  • Utilities- small scale business can reach out to utility companies to negotiate their accrued unpaid bills.

2.    Eliminate all non-essential costs

As much as possible business must learn to cut down overall costs in this coronavirus season. Also you must eliminate all non-essential spending. This means cutting down all costs that are not directly essential to the business operations like


Although the social distance and lockdown has limited travels, some companies still cover the travel allowance of some employees. It’ll be wise to investigate if the task can be done remotely or virtually. This will help save cost and increase maximum productivity.

Reduce payroll expenses

Payroll mostly constitute the largest expenses of most companies, and it’s rather unfortunate that many companies are forced to terminate the employment of some of their staffs to save the businesses. Some have to cut down the salary of their employees by 50-70%. Some others have been able to cater for their employees through the crisis.  Whatever be the case, employers should look for the best possible ways to still support the employees the best way they can

Part-time or limited days

instead of terminating their employment, companies can reduce the pay of the employees by reducing the working hours making them to work part time.

Layoff or terminate employees

in case scenarios where the company or business cannot afford to pay salaries, then they would be left with no other option than to terminate lay off some employees.

3.    Seek cheaper options

It is a known fact that businesses must spend money to make money, the coronavirus period is a time to exercise some level of frugality. It’s also a time to seek for more cheaper and money-saving alternatives.

Move sales online- cutting down costs does not mean total shutdown of business. You must invest in digital marketing and ecommerce. This way you’ll save a lot of money associated with the physical day-to-day running of the business.

The Importance of Getting Financial and Tax Advice When Starting A New Business

If you are embarking on a new business venture, then it is critical that you start right.

Most importantly, you need to get off on the right foot financially, and choose the best financial solutions or your business will never succeed.

You Need A Financial Adviser

As a new business owner, you will need a financial adviser to negotiate the financial landscape.

Someone who is accustomed to the kinds of financial problems that plague new business owners is going to be invaluable to you.

A financial adviser can perform many functions for your business that are far more than just accounting services.

A financial adviser can advise on wealth management, risk exposure, cash flow and much more. For example, read about RT Investments and discover what is available to you.

tax law in the UK

Take Control and Focus on Your Business

Employing a financial adviser is going to help you focus on what is important.

So many other aspects of your business are going to be outsourced, and there is really no need for money management to be any different.

When you use the services of a good financial adviser, then you are buying time. Your time is limited, so focus on your business.

Invest your money wisely so that you can use your adviser’s time to leverage your business.

The Importance of Tax Advice

Deborah Fowles at The Balance Small Business recommends that you take expert tax advice.

If you have been filing your won tax returns up to now, then it’s time to switch over to a qualified CPA.

The depth and complexity of tax law in the UK means that you can’t just hope to get things right on your own. The situation is similar in all western countries.

As well as the chance of getting your taxes wrong and incurring a fine, there are benefits and tax breaks available to new businesses that you may not be aware of.

Thinking Ahead

You obviously want your business to grow.

But what is going to happen in 1 years’ time. What about 5 years? Have you thought further down the line?

Planning ahead is vital for any new business.

Making contingency for your business to grow is something that you need to consider.

So many times, businesses have failed to take advantage of opportunities that were available to them because they were unable to scale at the right time.

Having the right financial guide on-board will mean you are always better prepared for times when you need your business to be as agile as the markets are.

More Than an Accountant

Getting financial advice for your new business is much more than simply hiring an accountant.

Having said that though, you do still need a good accountant!

You need to be prepared to cope with problems that only an expert can foresee and have the ability to navigate those problems.

Sound financial advice is essential to a healthy, thriving business.

Why Invest in ATO?

ATO and all the subsidiaries are regulated by the natural gas distribution or storage business. Across 8 states, the company provides reliable services. Let’s focus on the latest facts that will help to become a professional stockholder, or you can choose the strongest stock investment at the right moment. To do so, you can consider the list of a ranking that will help to buy the strong stocks-

Estimate revision

According to the resources in the estimate for the earning, the four 2020 has moved up 0.2 % to 4.7 % per share in the last 60 days. That will pricing is unchanged, or it is defined as 5.03 dollars in the same time frame.


What is the return on equity? Return on equity is known as how efficiently the company’s management is using the shareholder to generate passive income. As compared to other industries, ATO’s return on equity percentage is 9.35. It indicates a company is working effectively.

Price movement

When it comes to investing in NYSE: ATO at, you must consider the past 24 months’ reports or check out the company that has gained against Other industries or not.

Sturdy liquidity

The company has a very strong investment credit rating grade, or the total equity is ended on April 30, 2020, that is about 2.9 billion dollars. The interest rate is quite improved in the first quarter of 2020. The average industry ratio is a point on the 2.79. The strong ratio describes that it will provide the benefit to all the stockholders without any difficulties.

Rate hike or investment

The company has invested 6.4 billion dollars have to replace the aging infrastructure to modernize the system. According to the resources, the internet has contributed to the growth of the industry that is quite beneficial for all the stockholders. As well as, the company provides reliable services to all the clients with safety that automatically increases the value of stocks of Atmos Energy Corporation in the market.

Key facts

  • There are other highest level NYSE: ATO in a similar area incorporate NextEra Energy NEE, Sempra Energy SRE, and DTE Energy Company DTE, each conveying a Zacks Rank of 2.
  • The Zacks Consensus Estimate for 2020 earnings for NextEra Energy, Sempra Energy, and DTE Energy has climbed 0.4%, 2.3%, and 0.5%, separately, in the previous 60 days.
  • It’s a long term 3to5 year earnings development for NextEra Energy, Sempra Energy, and DTE Energy is at present anticipated at 7.9%, 7.2%, and 5.5%, separately.

Tech breakthrough

Among the early speculators in the new kind of gadget, a specialist’s state could affect society as much as the disclosure of power. Simultaneously, it’s relied upon to make 22 million employments and create $12.3 trillion in action. You can check live stock quotes before stock trading.

Disclaimer: The analysis information is for reference only and does not constitute an investment recommendation.

FindThe Right Timing to Buy a Business in Australia

In the second quarter of 2011, the number of businesses that were offered for sale in the market in Australia reached record highs. Although this situation corrected itself somewhat, 12 months later the second quarter of 2012 saw the number of small and medium businesses advertised for sale grew six percent. With more and more businesses coming onto the market, it will impact on valuations and will thus be advantageous if you buy a business in Australia. Although, it’s easy to point to the slowdown in the global economy as the culprit, the reasons are more myriad than you might think.

Reasons for selling

When the economy is booming, why would an owner sell? It’s simple,the seller can make a substantial profit by selling at the top of the market. That’s why you see larger enterprises buying up commercial businesses for sale even if the figures show that those very businesses are not very profitable as there are synergies to consider.

Secondly, even if the economy is stable and the company is doing well, it often comes to a point when the owner is looking for a change in scenery or just wishes to retire and this is understandable as it is difficult to sustain and grow a business when the inspiration and commitment is no longer there.

How to choose a business to buy

Knowledge and experience in the industry you are trying to enter into is an advantage when you decide to acquire a small business for sale in Australia. Ensure the reason for sale is valid and that the seller will provide adequate training and handover periods. Full financial disclosures of the busienss should be available to youwhen negotiating to agree to a fair price for the busienss.

Finding the right broker

On average, there’s an upsurge in the number of commercial businesses for sale in Australia during September, October and November of each year when businesses have completed their year end financials.

If you want to buy a business in Australia, it’s a good idea to meet and engage with the business broker so you can be provided with all the important information of the company (its market, operations, financials, lease, staff, etc.). It is normal that the seller pays the business broker commission on the successful sale, but it is important that you work with the right business broker who has the experience and skill in business valuation, sales, legal requirements, negotiation skills and network.

Golf Course Marketing Has Changed

Golf course marketing has changed! Private club marketing has changed! Times have changed and now its time that you as the owner, general manager or board member realize that the old way of golf advertising or golf marketing is no longer valid to generate additional golfers and members. It is time to look at what is really working in our technology age and be able to track our results. Any good golf marketing expert will tell you that what gets measured accurately, improves. The problem is that most golf courses or clubs dont know have a Golf Course Marketing. Plan and for sure dont know how to track their ROI. Thats about to change.

Understanding that most daily fee courses or private country clubs are working from a limited budget or in some cases no budget at all, it is imperative to make sure that every dollar is accounted for and you can verify Return on Investment. That way, you can determine what is working and what is not and spend more time on what is working and less on what is not. You will also be able to go to all decision makers and show proven results and feel confident that your golf club marketing is heading in the right direction.

What I am talking about is Internet Marketing for courses and clubs. This is the missing link for most golf marketing programs. What specifically am I talking about?

#1) Having a marketing plan. Most clubs dont have one and wing their efforts day to day. Create one that is simple, cost – effective, consistent and measurable.

#2) TRAFFIC!! Everything starts with traffic. Generating more online traffic to your website using strategies like SEO, PPC, Blogging, Facebook or educational article and video marketing.

#3) Capturing lead information while they are on your site but also taking advantage of the traffic already at your course using offline email capture strategies with your staff .

#4) Getting reviews and testimonials from your happy golfers and members and posting them online for the world to see.

#5) Asking for referrals from your happy golfers and members.

Understanding what your perfect golfer or member life-cycle looks like will dramatically help change and put you on the road to success, but choosing the right tactics and strategies to get the best measurable ROI is absolutely critical!

Increase Club Profits is a unique Golf Marketing and Cost Reduction company that helps drive sales and membership while reducing clubs operating expenses without sacrificing quality or service. Our typical client will receive $50,000 of bottom line measurable savings in the first 12 months and page one rankings on most search engines.

Enjoying The Perks Of Network Marketing

Multi-Level Marketers prove the perks of network marketing is for every hardworking team member to enjoy

Network marketing may be intimidating to some, but it merits a closer look.

If you have the skillset and a basic marketing know-how, network marketing will not be as daunting as most first-time entrants think.

For one, you will receive adequate training before you get on with the job. It actually provides you with the necessary training that will not only equip you to master the basics, but will also guide you to come up with your own techniques in your execution. You will gain access to manuals, resources and other materials needed to guide you through network marketing. Add to that the easy access to consultation that you have with colleagues.

Secondly, the perks of network marketing is far too many to ignore.

The biggest attraction to most successful network marketers is that it does not require a huge sum of investment. When a person has a wiggle room in his budget enough to consider investing, the first thing he asks is how much do I have to invest? Network marketing does not involve a huge capital, making the risk smaller compared to most full-blown investments or businesses.

Although the capital requirement is not too big, the potential is huge. If you dedicate your time to it, coupled with your skills and hard work, you do not have anywhere else to go but up. You can even earn passive income if you have mastered the ins and outs of network marketing.

Besides, when you think about it, network marketing really becomes your own enterprise. This means that you get to be more tax efficient since you can deduct the costs of running your enterprise to the tax that you will be paying for. This is of course the complete opposite of being employed in the corporate world where income tax is automatically deducted from your earnings.

Another benefit of network marketing is that you get unlimited earning potential. There are no yearly appraisals or the usual employee evaluation. There is no cap as to how much bigger you can earn the next time. It is up to you if you want to climb that networking ladder fast or if you want to do so in an average pace. The key here is that you have control towards your success and more importantly your income.

Apart from controlling your own pace, one of the perks of network marketing is that you get to work where you want to and wear what you want to wear to work. It even allows marketers to take more vacations as long as they stay in touch with clients and associates.

So why not try your hand on it and start enjoying the perks of network marketing?

Intromission to Business phone Systems

Why this business phone system?
As we all know that people engaging in business work have huge workload and they have plenty of work to be done each day. They take the help of technology to somehow reduce the workload. The technology nowadays is growing at very fast speed and the launching of many devices especially for business work proved to be very useful to the business class.

Business phones are very different from the ones that we have in our homes. Business phones can be connected with multiple lines means a single line for two business phone systems. The phones are made only to suit business environments. The business phones are mostly cordless so there is no need to stay there while talking, cone can talk while walking or doing other office work too.

Features of Business phone systems

Well, here are many features associated with these. A Caller Id option is available in all of these phones which can display about 50-1000 numbers (depends on the memory of the handset). Plus to see the dialed or incoming number clearly, a LCD screen too is there, the size may vary. Some of the high end business class phones can even store numbers in its phonebook memory, so it will eliminate the use of extra phonebook that one carry to store the numbers. The data cabling too is very simpler and effective that the previous cabling, thanks to the latest LSI technology. With the use of this technology, we can divide the control into two individual business phones.

The office phone systems are designed to give the high end facilities to the people and take care of all the conversation related queries. There are many companies that make business class phone especially to cater the needs of special business class. Panasonic, which is the top player in the business phone making segment has the world class instruments. They have many varieties of these. They have both types- cordless and with cord too.

Features of Panasonic business phones

We all know that mostly cordless phones are preferred in the companies. So, all the business phone makers make the cordless phones.

Panasonic cordless phones have many features like a bright LCD screen that can show the incoming or outgoing number, the pre-installed phone book feature than can store many numbers (depend on memory). Plus the rechargeable batteries too are provided along with the handsets, so that your phone battery doesn’t run away. Some of the phones also have a certain feature that will enable you to continue your conversation even if the whole power supply has been cut off. Almost all the business phones they offers, all are wall mountable or can be placed on a desk. So, Panasonic cordless phone has many features than its competitors and that is why it is most preferred amongst all other phone makers.

Best Digital Marketing Training Institute In Kolkata

In the current market scenario where companies are going through a cutthroat competition to promote and sell their product and services, hiring an efficient marketing team become the most challenging tasks for the HR department. The challenge begins when after providing an adequate training you send them to the field but do not get targeted results. Thus, in return this increases your companys operating cost in providing training as well as monitoring your marketing teams performance. Therefore, here comes the concept of Digital Marketing that means marketing a product or services through digital media that includes Television, Radio, Mobiles, Newspaper, and internet. While the Television, Radio, Mobiles, and Newspaper forms the offline part of the digital marketing whereas the latter forms the integral online part of the entire process. The offline part is well known to us that generally consists advertisement produced by various ad agencies so here in this article we will be discussing mainly the online part and the best industrial training institute in Kolkata that provides real life training in Internet Marketing as a whole.

The online part of the Digital Marketing is known as the Internet Marketing that means promoting a firm, product, or services in search engines through adequate marketing techniques. The technique includes SEO, PPC (Pay per Click), Social Media Marketing, Affiliate Marketing, Email Marketing, Search Engine local listings, Content Developing and the latest in the race is Video marketing. The success of the internet marketing lies in how effectively an internet marketer knows these techniques and applies them accordingly to get the targeted results for their clients. Therefore, here comes the role of a good institute that create a good and the potential Internet Marketing professional as per the present market scenario. With the growing demand of internet marketing in Kolkata many odd SEO companies have come up with a training institute that provides training in SEO and social media training. Unfortunately most of these institutes cover only the basic concept of the entire process and do not go with the practical approach of learning that includes more real life applications. As a result there has been the scarcity of good and potential Internet Marketing professionals who knows the more practical approach of all the latest applications and techniques of Internet Marketing.

So here we are glad to introduce to you with such an institute that provides real life training on Digital Marketing by offering a more practical approach of each technique mentioned above. Well the name of the institute is Compete Infotech Academy situated in the heart of the city of joy training number of students to become an effective Internet Marketer. The each module of the course is designed exclusively to meet the current industry requirements. The main USP of Compete Infotech Academy is that the entire course is designed in such a way that it trains you in all three aspects that is for getting a good job, for becoming an entrepreneur, and for existing professionals making this the best industrial training provider in the city. The course starts with the theoretical concept of Digital Marketing followed by the practical approach starting from the basic level of keyword Research, to the advance level that includes affiliate marketing, email marketing, and video marketing including Search Engine Optimization techniques.

The Search Engine Optimization (SEO) course is divided into two segments Off Page and On Page optimization. In the Off Page we have Directory Submission that includes both business and general directories, Article & Blog submissions, Social Bookmark Submission, Classified Submission , Google Place (local Listing) etc. . On the other hand in On Page we have at the tag, H1, H2, Robo.txt etc. Another most positive thing about this institute is that it provides free website to each student for conducting live projects and used to teach from the base including how to set a website through Word Press concept and how to rank it in Google and other search engines. In social media training it covers all the social media optimization techniques including promoting on Facebook, Twitter & Google + including video marketing on YouTube.

Useful Tips for Low Cost Business Start Ups

With decreasing number of jobs and few solutions at work, the best suggestion to the people who face this problem is to start their own business. Although might be economic turbulence, but starting a business of your own is surely a path of financial recovery. There are few tips for the people who have a plan of low cost business start ups. Making a big investment is not always necessary. If you do not have such a great amount to invest, it is better starting with a small investment. Here are the tips that can help you in doing so:

  • It is good that you have planned to start a business of your own, but it is essential that you must be clear in yourself. You must be clear about your aim and must possess the answer of the question that why you want to start a business of your own.
  • You must be determined that what type of business you want to start with. Never ever think of doing investment in something that is new to you. Doing something like that is full of risks and you have to go blindly towards a direction about which you are not at all sure. It is essential that the business you are planning to start should be familiar to you. It should not be like hit and trial case.
  • Planning is most important in any business. Most of the aspiring business people believe that they have to sit down for hours and make a lengthy business plans clearly showing the amount of money that you will make in the coming years. There is no need of keeping such complexity as it will become difficult for you to understand. The business plan should be simple and precise.
  • Something that has great importance for any business is the customers. So, one should be clear with the customers that he as to target. Their preferences, thinking, liking, everything matters a lot to you. You have search everything about your target audience, what they like and what they do not like about the business that you are plan to start.
  • Prices are something that attracts everybody. It might be possible that a person do not have any interest in the product in which you deal, but looking at the genuine prices, he can start taking interest as he find it beneficial in one way or the other. Always compare your prices with your competitors and make sure that you are providing genuine rates, keeping quality at the topmost priority.
  • The next thing, which has importance of its own, is to reach your target customer through proper advertising and promotion. Advertising has great significance as it is the only way of telling people about your product, introducing them what it is all about and how your product is different from the other similar existing products.

It is good to follow such tips when you are new to a business and doing it for the first time.