The world is online. From booking appointments to virtual consultation, attracting customers with video streaming content and digital ads, or making your website visible with good SEO rankings, businesses thrive — or languish — depending on their online savviness. Is your business taking full advantage of the digital revenue streams available? 

Condé Nast is a global media company that owns such well-known publications as Vanity Fair, Vogue, and Bon Appétit — among multiple other digital, print, and web publications. While serving as CFO for five years, David Geithner helped grow the company’s digital revenue by 15%, to over $400 million. Even if your business scale is slightly more modest, there’s no reason you can’t take advantage of the same strategies to grow your revenue.

Automate and Streamline

Robots are not out to take people’s jobs, no matter what wild predictions are made every time there is a new breakthrough in artificial intelligence happens. But that doesn’t mean you can’t take advantage of automation to streamline your processes. There are multiple software systems and services that can aid your business in streamlining mundane and manual procedures.

Just like setting up an automated email response, you can streamline and automate procedures such as subscriptions, marketing campaigns, calls to action (CTA), and more. Your business can increase its revenue streams by reducing the manual labor needed to do common tasks, and instead, let an automated system do the work for you. 

Diversify Product Offerings

You don’t need to start manufacturing a completely different product to take advantage of diversification. If you run a financial consulting business, for example, you could offer online courses about basic financial literacy, with an option to schedule a consultation at the end of the course. Looking into diversification can increase your revenue streams, and it doesn’t need to be expensive or labor-intensive.

If you already have the materials, or if you can repurpose information and repackage it into on-demand courses or webinars, you could offer additional products in the form of ebooks, videos, or courses. The best part is that once you’ve established these products, the upkeep can be minimal and the profits can be lucrative.

Read and Subscribe

If your business provides valuable content such as articles, blog posts, or informational videos, consider utilizing a freemium model. This format allows customers to access a specific number of articles before they must subscribe or purchase access to additional content. The free reads are the incentive, like a trial subscription. When you already have the content available, monetizing a subscription or paywalled articles can add revenue streams without additional workload. 

“Like and subscribe” is a familiar refrain, and that’s because it’s effective. People respond to being asked to do things. When it is as simple as clicking a button on the webpage — and doesn’t require entering payment information right off the bat — people are likely to participate. Once they have joined your channel, your newsletter, or followed you on social media, you have access to your customer base and can present targeted information to an audience that has opted in and thus is likely to be interested in your product or services, now or in the future.

In today’s modern world, going about your financial transactions without using the best prepaid card is almost impossible. Fortunately, when you use the best prepaid cards, you will not only enjoy peerless ease and convenience, you can also easily adhere to your budget and live within your means.

If you are looking for an effective budgeting tool that can help you create a budget and manage your money better, you can never go wrong with the best prepaid cards. Not only that, prepaid cards also provide unmatched flexibility so you can shop online and  easily carry out transactions that require the use of plastic cards.

Essentially, prepaid card providers offer various benefits, fee structures, and features. That said, it is recommended that you do your research and shop around before picking a prepaid card. This is necessary if you want to find a prepaid card that will suit all your needs.

If your main purpose for getting a prepaid card is help with your budgeting, you have come to the right place. In this article, we will cover how you can use your prepaid card to stick to your budget and to manage your money properly. Get your budgeting efforts off to a wonderful start by keeping the following basics in mind:

Load only the money you have budgeted for a specific purpose to limit your spending.

If you load a specific amount of money in your prepaid card, it becomes easier for you to stick to the budget you have created. Case in point: let’s say you want to allot $200 for eating out each month. If you spend all the balance in one go, that means you won’t go out until the end of the month when you will replenish the card again.

Use your prepaid card in lieu of cash.

If you have been trying to budget your money but in vain, it is likely that you have not yet tried the envelope system. With the envelope system, you place cash you want to set aside for a specific thing in each envelope. While this technique is undeniably effective, it also comes with certain risks.

For starters, it’s not always safe to constantly keep and carry money anywhere you go. There is also the likelihood that you would be able to use it on other things aside from its intended purpose. With a prepaid card, it’s easier for you to stick to your budget without the risks. It’s also hands down more convenient.

You are spared from costly interest charges and late fees.

If you are using a credit or debit card, it is likely that you can attest how difficult it can be to budget your money using those financial tools. Come to think of it, with a credit card, you will be using money you don’t really have. It is the bank’s money that you are borrowing for the time being and you will eventually pay at a later date.

If you want to avoid accumulating a mountain of debt and spare yourself from those exorbitant monthly fees and other charges, using a prepaid card is one of the best options available at your disposal. Also, when you use a prepaid card, you won’t need to worry about your credit score if you can’t pay your credit dues on time.

You can load school allowances on the prepaid card.

If you want to teach your children smart budgeting and spending habits, giving them a prepaid card is recommended. With a prepaid card, you can teach them how to budget their money and at the same time, you can also teach them how to be responsible with their spending.

If you’re like most modern homeowners, you want your home to be both functional and stylish. But sometimes, it can be tough to know where to start. There are plenty of benefits to a stylish and functional home. Therefore, it’s important to make sure your home is updated with the latest trends and technologies.

What Is Home Improvement?

Home improvement is the process of making changes to your home. This can include anything from adding new features or updating outdated ones to simply repairing damages. Home improvement can be a great way to increase the value of your home, as well as make it more comfortable and stylish.

Which Improvements Are Right for You?

Not every home improvement project is right for every home. It’s important to consider the needs of your home and family before starting any project. Some popular home improvement projects include:

Adding or upgrading insulation

Adding or upgrading insulation is a great way to make your home more comfortable and energy-efficient. This is because insulation helps to keep your home’s temperature stable, which can save you money on your energy bills.

Updating your kitchen

A kitchen remodel can be a great way to update the look and feel of your home. A new kitchen can also increase the value of your home if you ever decide to sell it.

Adding a bathroom

Adding a bathroom can be a great way to increase the functionality of your home. It can also be a lucrative investment, as bathrooms are often in high demand.

Repairing damages

Damages from accidents or natural disasters can often be repaired with home improvement projects. This is often much cheaper than hiring professionals to do the work for you.

Replacing windows

Replacing old, drafty windows with new ones can help improve the energy efficiency of your home and save you money on heating costs.

Repairing damages

If you have any damage to your home, such as water damage or termite damage, it is important to repair it as soon as possible. Left untreated, these damages can often cause even more problems in the future.

Updating your home’s exterior

Giving your home a new coat of paint or replacing the siding can be a great way to improve its appearance and make it more appealing to potential buyers.

Installing a security system

Installing a security system can help protect your home and belongings from burglars and other criminals. It can also provide you with peace of mind while you’re away from home.

Adding decorations and accessories

Adding decorations and accessories can help make your home more comfortable and inviting. You can add anything from paintings and sculptures to plants and flowers. You can also add a modern fireplace if you have the space.

Updating your home’s lighting

Updating your home’s lighting can help make it look more modern and stylish. You can add new light fixtures or change the color of your current light fixtures.

Investing in smart appliances

Smart appliances can help you save energy and money. They can also make your home more functional. Some of the most popular smart appliances include smart refrigerators, smart ovens, and smart dishwashers.

Adding a home office

If you don’t have a home office, consider adding one to your home. A home office can be a great place to work or study. It can also help you stay organized.

Purchasing quality furniture

When you’re shopping for furniture, be sure to purchase quality pieces. Quality furniture will last longer and look better in your home.

Remodeling your home

If you’re looking for a way to update your home, consider remodeling it. Remodeling can help make your home more functional and stylish. It can also increase the value of your home.

These are just a few of the many home improvement tips that modern homeowners can use to make their homes more stylish and functional. Be sure to explore all of your options before making any decisions about home improvement projects. And always remember to consult with a professional before starting any major renovations.

What Are The Benefits Of Having A Beautiful Home?

There are many benefits to having a beautiful home. A well-decorated home can make you feel happier and more relaxed. It can also help improve your mood and increase your productivity.

In addition, having a beautiful home can help you attract new friends and potential romantic partners. It can also help you stand out from the competition when you’re looking for a new job or trying to sell your home.

So, if you’re looking for a way to improve your life, consider beautifying your home. The benefits are endless! Your family will surely enjoy living in a home that’s both functional and stylish.

Meta Description: Planning to get a breast augmentation or a nose lift? But how do you know who the best plastic surgeon is? Keep on reading the article to know more.

Are you thinking of having plastic surgery? If so, you’re not alone – over 15 million cosmetic procedures were performed in the United States in 2017, according to the American Society of Plastic Surgeons (ASPS). But with so many options out there, how do you choose the right plastic surgeon for you?

There are a few things to keep in mind when choosing a plastic surgeon. Here are some tips:

• Make sure the surgeon is certified by the American Board of Plastic Surgery (ABPS). This means that the surgeon has completed a residency in plastic surgery and has passed a rigorous set of exams. You can check a surgeon’s credentials on the ABPS website.
• Look for a surgeon who has experience performing the specific procedure you’re interested in. Ask to see before-and-after photos of the surgeon’s work. There are many plastic surgery procedures, so it’s important to find a surgeon who is experienced in the procedure you’re interested in.
• Choose a surgeon whom you feel comfortable with. You should feel like you can ask the surgeon any questions you have and that he or she will take the time to answer them. You will be spending a lot of time with your plastic surgeon, so it’s important that you feel comfortable with him or her.
• Ask about the surgeon’s credentials and training. Make sure he or she is up-to-date on the latest plastic surgery techniques. Your surgeon should be able to answer any questions you have about his or her qualifications.
• Ask about the surgeon’s experience with plastic surgery complications. All surgeries come with some risk of complications, so it’s important to find a surgeon who has experience dealing with them. Ask the surgeon what his or her complication rate is for the specific procedure you’re interested in.
• Make sure the surgeon has hospital privileges. This means that the surgeon is able to perform surgery at a particular hospital. Check with the hospital to make sure the surgeon you’re considering is credentialed to perform surgery there.
• Ask about the surgeon’s office policies. For example, find out if the surgeon sees patients for follow-up appointments after surgery and how he or she handles post-operative care. The clinic should have a plastic surgery EMR in place. This will ensure that your medical records are well-organized and easily accessible.
• Ask about the surgeon’s fees. Be sure to get a breakdown of all the costs associated with the surgery, including the surgeon’s fee, anesthesia fee, facility fee, and any other charges. Make sure you understand all the fees before you commit to surgery.

This is just a starting point – there are many other things to consider when choosing a plastic surgeon. The most important thing is to do your research and make sure you’re comfortable with your choice. Don’t be afraid to ask around or consult with other plastic surgery patients for their recommendations. And remember, you should always feel free to get a second opinion if you have any doubts.

While many people envy CEOs and corporate heads, it’s worth pointing out that these high-level executives tend to age fast and die earlier. If the success of your company seems to rely on the talent of a few talented people then you might want to consider getting key person insurance (also known as key man insurance).

This is a kind of life insurance policy that’s used by big and small businesses.

But what is key person insurance? And what should you look for when choosing a policy? Keep on reading and we’ll take you through everything that you’re going to want to know!

What Is Key Person Insurance?

Key person insurance is a business insurance policy that’s bought by a company to insure the life of one of the company’s workers. It’s meant to help the business recover from the death of a worker who contributes greatly to the company.

An employer might choose to insure highly visible workers, executives, and top salespeople.

Similar to other life insurance policies, key person insurance has three main players. First, the owner is the person or company who buys the policy and pays the premiums. This entity has the ability to change, sell, or transfer the policy.

The insured is the person upon whose death the policy would pay out the benefit.

Lastly, there is the beneficiary. This is the person or company who received the benefit if the insured person dies while they are being covered.

As you might be able to tell, the company is both the owner and beneficiary when it comes to key person insurance. Of course, the owner needs to tell the insured that they’ll be taking out a policy in their name and get their permission to buy the policy.

Look for the Types of Key Person Life Insurance Available

Any kind of life insurance policy can be structured to fit a key person life insurance policy. This includes either of the two main categories for life insurance.

You can get key person life insurance as a form of permanent life insurance or term life insurance.

When it comes to term life insurance, you are going to get coverage for a certain amount of time, such as ten or twenty years. This is going to cost you a lot less than permanent life insurance.

If the employee is old or has a set retirement date then you can use this kind of policy and set an expiration date.

If you have a young executive who intends to stay with the company indefinitely then you might want to take out permanent life insurance. You’ll get coverage for life and a cash value amount that will grow as time goes on.

The cash value is an asset that the business can use as collateral for a loan. If you go with a mutual insurer then the company might be able to get dividends too.

A permanent key person life insurance policy will gain in value over time. You can sell the policy in a life insurance settlement if the company decides that they don’t want the coverage anymore.

Look for How Much Insurance Coverage You Can Get

If the company is borrowing money then the lender might want a certain amount of key person coverage. Otherwise, the amount of coverage that you’re going to want to get is going to depend on your business and the specific key person.

You want to buy enough insurance so that the value of losing the employee will be close to zero. To do this, you’ll have to consider the profit and revenue that is due to that employee. You’ll also need to think about the cost to replace that worker, the company’s cost structure, and the soft skills that you’re losing when the employee dies.

Depending on which person you want to cover, the calculation for how much coverage you need is going to vary greatly. It might be fairly easy to figure out how much coverage you need for a salesperson but likely much harder for a popular CEO.

Evaluate the Costs

When you’re shopping for insurance providers, you want to go with a company that is affordable and reliable, such as Shelter Bay Financial Corp (https://shelterbay.ca/key-person-insurance/).

Some factors that might affect the cost of your insurance policy will depend on the health and lifestyle of the employee, the policy death benefit, and the kind of policy.

If you are insurance a worker who’s not healthy or old, then you’re going to pay a relatively high amount for the policy. You might not even be able to find coverage at all if the person is really unhealthy.

If this is the case, then you’ll have to look into other alternatives, such as a loan. It’s also important that your company has a succession plan in place if you have key employees with serious health problems.

Find the Key Person Insurance Policy That Works for You

You wouldn’t run a company without having the proper business insurance place. And you likely don’t want to run a company that could lose a significant amount of value if one of your key employees dies.

After reading the above article, you should now have a better idea of what to look for in a key person insurance policy so that your company can stay protected.

Are you looking for other useful articles like this? Check out the rest of our blog today for more!