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March 2020 – Business Blogger

Everything You Need to Know about Attorney Advertising Rules

When it comes to attorney advertisements, the advertisements have some limits, which cannot be broken. If law firms go past the attorney advertisement ads, the ad will become irrelevant and they might not influence the audience.

For attorney advertisements, you need to be relevant; the language that you use should be very professional. Every word used in the advertisement can put you in trouble so you need to be super vigilant for your words.

The Specific Words That Cannot Be Used For Attorney Advertising

When you are making an attorney advertisement, you need to be super vigilant of what words you use. You need to keep a special eye on the stuff you publish. The words that you use in the ad might backfire later.

Lawyers say when you are constructing law firm SEO, and you need to keep in mind that you don’t use words like “specialist,” “ specialized,” “expects”, “best service,” “Guaranteed” in you advertisement. If you use such words and you fail to deliver the same thing, you might lose goodwill.

Attorney References

When you are constructing anything like Attorney SEO and law firm SEO. You need to keep in mind to mention the references for them. You cannot randomly put in a statement in your attorney advertisement. You need to put in the exact references of the clause and give the name of the state whose law you are using. A real attorney must back up the information.

When you post anything on a normal website, they usually have an attorney backing up the statement given in the law firm’s SEO. When the site is of the law firm itself, it needs to have more attorneys backing up the information.

Put the Legitimate Address and Location of the Law Firm in the Advertisement

When it comes to attorney advertising, you need to show the legitimate physical address in your advertisement. Or else your advertisement will not receive approval.

You need the address because attorneys are real people who need to have a physical presence. You cannot hire artificial intelligence when it comes to attorney advertisement. That will be a crime. People will also find it super difficult to trust in the advertisement if a physical office or a site does not support the advertisement.

Conclusion

Law firm and attorney advertisements are very different from other advertisements. If you mess up anything in other ads, you might not get in big trouble. False claiming can cause many problems for attorney advertisements. You need to follow a set of rules and take many things in measure to make a successful attorney advertisement.

For attorney advertisements, you also need to be vigilant about your law firm SEO and attorney SEO. Before publishing information, you will need an attorney read it for you earlier so that you do not post anything that can put you in trouble in future

Ranking Your Law Firm Website In Five Steps

Let’s face it.

As lawyers, we are VERY good at what we do. Unfortunately, marketing isn’t one of these skills.

As a result, we may go through feast or famine phases in our business, which has nothing to do with our abilities as attorneys.

It doesn’t help that directories like FindLaw, Justia, and SuperLawyers are filling up Google and making it harder for law firms to rank their sites.

Even with these directories and stiffer competition on Google, it’s still possible to outrank them and hit the top of the first page.

Here are five tips to help you rank higher:

Redesign Your Site

Many law firms treat their website as an afterthought. Poorly designed websites that provide a poor user experience and usually aren’t optimized to rank on Google.

Because of this, you may have trouble ranking any higher than on the 2nd page of Google.

A new website can grow your business in two ways:

  1. If someone lands on your site and you build trust with them and make it easy for them to find what they’re looking for, they’re more likely to become a client.
  2. If people visit your site and stay for an extended period instead of leaving immediately, Google will notice this and decide to rank your page higher.

Sometimes, it’s worth getting a full website redesign instead of trying to do a patchwork SEO job.

Optimize Your On-Page SEO

The next step is to optimize the on-page elements of your site.

Let’s run through a few of the on-page issues we had on our site:

  1. Slow Speed

These days, users expect websites to be fast. When your pages take too long to load, they will find their solution elsewhere.

Site speed is also now a Google ranking factor. In other words, if your site is slow, Google will take notice and negatively adjust your rankings accordingly.

  1. Thin Content On Service & City Pages

If you don’t have enough content on your pages, you’ll have trouble getting them to rank.

We wanted to rank for keywords like “DUI Attorney + Our City”, but the service pages didn’t have enough content to rank.

You see, Google likes to rank pages with lots of authoritative content. This shows you know what you’re talking about and have a solution for a searcher’s problem.

Realize a common theme here?

Google wants to offer searchers the best solution for their searchers.

  1. Poor Site Structure

Your site structure refers to how your site is setup page by page. This not only allows your readers to navigate your site easily, but it also can give Google an easy roadmap to index all of your site’s pages.

We’ll talk about this a bit more in the next step…

Create Location Pages

You probably practice in more than one city. In my case, I’ve had clients in over a dozen different counties across Michigan.

If you want to extend your reach outside of your city, your best bet is to create city pages. These are pages that are highly targeted to a specific area.

For example, let’s say you’re a criminal defense attorney in Grand Rapids, but you also service Detroit, Lansing, and Ann Arbor, then you would create a city page for each of the additional communities.

The site structure would look like this.

Criminaldefenseattorney dot com

  • Criminaldefenseattorney dot com/Detroit
  • Miamidivorceattorney dot com/Lansing
  • Miamidivorceattorney dot com/Ann-Arbor

City pages in smaller surrounding areas can quickly rank and send you a steady stream of leads.

Consider Blogging

Blogging is another great short and long-term strategy to increase your site’s traffic.

What we’ve found is that our ideal clients will search Google for answers to specific legal questions like, “What’s the difference between DUI vs. OWI?” and “How much does a DUI cost?”

If we’re able to answer these questions, we can get them into our marketing funnel, then get them in for a consultation.

Get Backlinks

A backlink is a link created when one website links to another. These are important for SEO because they allow Google to determine which sites are more valuable than others.

When a site links back to your site, it basically acts as a thumbs up in Google’s eyes. The more backlinks you get from authoritative sites, the more authoritative your site will be. As a result, you will rank higher on Google.

We build backlinks through two strategies:

  1. Guest Posting: Writing high-quality blog posts on high authority sites like Legal Services Link
  2. Content Marketing: Writing informative blog posts on our blog that eventually get linked back to as a source by authoritative sites in our niche.

Top 15 Things to Remember for the Best Employee Surveys

People, not profits, make it possible for organizations to succeed. Communication is the key to maintaining employee motivation and driving the business forward.

Employee surveys help you identify various factors that impact the experience of your employees in their work. Your business will achieve higher productivity with motivated, loyal, well-trained staff accompanied by a happy working environment.

Employee surveys are instruments incorporated by the management to collect feedback and evaluate employee engagement, experience, morale, and productivity. It is essential to assess the effectiveness of new structure, leadership, and training on Employee Satisfaction, stress levels, health, and productivity.

In an age where more and more employees worry about being watched by Big Brother, where businesses have the tools to track almost everything, running a survey can indicate that Big Brother is still human.

What is the differentiator between a good and a lousy survey in the workplace?

The distinction is a careful and thoughtful layout of the survey, very clearly. And the unfortunate truth is that many managers and HR professionals are still behind in developments with regards to survey design trends. The past decade has brought dramatic changes to this field, and it has seen a five-fold growth in the number of publications describing the importance of corporate survey results. But many managers are still applying design principles formulated ages ago.

In this article, we’ll explore some of the developing trends in survey design and provide guidelines to help companies improve their workplace surveys. These suggestions are based on peer-reviewed studies and reports on behavioral sciences, general knowledge of survey design, and the experience of our organization in developing, implementing, and revising extensive corporate surveys.

Guidelines for Content

  1. Questions should be specific to observable behavior rather than thoughts or perceptions
    Most surveys, particularly those intended to evaluate performance or leadership skills, invite participants to define specific individuals’ characteristics or ideas. While there is an understandable interest in answers to these questions, the company is unlikely to receive direct answers by asking the questions. The answers to such questions can often be biased by the individuals associated with the person being evaluated. The best way to tackle these problems is to ask questions about concrete, observable behaviors, and encourage respondents to rely on their own experiences. This reduces the risk of distortion.
  2. Include certain things that can be verified independently
    Of course, if the survey responses are not related to verifiable facts, there is something wrong. Conversely, verified reactions enable you to draw conclusions about the validity of the survey, mainly when something new or unusual is assessed by the survey.
  3. Test just habits that are linked to the success of your business
    This principle may seem evident, but we have reviewed countless surveys and found that most surveys are designed without focusing on business outcomes or job performance. This flaw explains many of the surprising survey failures. The dilemma is most often triggered by the inability to pick questions systematically. We use a two-stage system to prevent this. Firstly, we consult with informed contributors and ask them to identify the significant issues and the reasons for them. Then we examine the published research in order to identify known problems and causes. Only then we selectively pick questions that reflect all of the identified issues.

Guidelines for Format

  1. Maintain unlabeled and uninterrupted portions of the survey by page breaks
    Boxes, category labels, and other harmless-looking survey information can subtly and significantly skew responses. The cause is relatively straightforward: as extensive research reveals, respondents prefer to answer questions related to each other similarly.By simply removing the boxes, tags, and page breaks that disrupted some pages, we solved the problem. The formatting changes allowed respondents to interpret the question on their own merits; although the changes were minimal, they had a significant impact on the results of the survey.
  2. Format parts containing a similar number of items and asking a similar number of words
    Studies and our own experience indicate that the more questions you ask, the higher the resulting scores for the entire section tend to be. Similarly, questions that contain more words and require more time for reflection are often given higher ratings by respondents. Maintaining fairly equal lengths of questions and segments provides the highest probability of receiving compatible survey responses across all sections.
  3. Let respondent demographics be the last question in your employee surveys and the first on in performance surveys
    An optional demographics section is a regular part of customer surveys and its value is unquestionable. Demographic questions also frequently appear in employee surveys as managers believe that the information generated can yield useful detailed information about trends in the workforce. Of course, minimizing demographic questions that may seem intrusive or insignificant is crucial. The rates of response of employees can dramatically reduce if they feel that anonymity is being compromised by including demographic questions. In employee surveys, putting demographic questions at the end is generally best, making them optional, and minimizing their number.

Guidelines for Language

  1. Ignore words with strong associations
    This is one of the most ignored principles of language. Metaphor plays a prominent role in management descriptions, but it can also trigger bias-responding associations. While these sentences are commonly used to describe leadership qualities, they are counterproductive in surveys because they can trigger gender favoring associations.Here, simple revisions in wordings can solve the problem: “Has a strong grasp of complex problems” seems more inclined towards males, while “Discusses complex issues with effectiveness and clarity.” is more gender-neutral. Similar results were observed when words were changed that triggered ethnic and religious associations.
  2. Change the wording so that the desired answer is negative in about one-third of the questions
    The respondents’ tendency to agree on questions is one of the best-documented response inconsistencies, which increases with the length of the survey. It is best to introduce questions that are articulated negatively. One good way to prepare readers for this possibility is to add a simple reversed question early on. It reflects the presence of such questions throughout the survey. In our experience, we have found that changing the wording into about one-third of the questions is a good rule.
  3. Avoid combining two separate topics into one subject
    Most questions in a survey combine two or more components. If items are related, there is a sense in merging them to reduce the duration of the survey, but it may other times be troublesome to combine two or more components. When deciding if two similar elements should be included in the same question, it should be determined if they require to be treated similarly when an issue is identified.

Guidelines for Measurement

  1. Create an answer scale with regularly spaced numbers and words only at each end of the range
    Yet, because they were affected by a variety of external factors, the outcomes of these tests were notoriously unreliable. The major problem is that each response option on the scale contains different terms, and it is, therefore, difficult to place the answers in a spaced mathematical process so that statistical tests can be carried out. Although the labels can be plausible, the distance between each pair of continuum classifications remains unknown.These and other distortions created with word labels can be avoided by using a scale with only two-word markings, with one on each end. Questions answered with numerical scales may not appear to be very different from those answered by the word, but their answers are much more reliable and can be analyzed in more detail.
  2. Only use a single answer scale with an unusual number of options
    One response scale, like “never” to “always” with numerical ratings in between, makes a quick response comparison and is better for respondents. Single-scale surveys take less time than multiple-scale surveys, are more reliable, and provide much simpler statistical comparisons of different items. We think it is advisable to provide an unusual range of responses so that people can register a neutral opinion. We are also in favor of including a “don’t know” or “not applicable” reply. Without this option, respondents may feel obliged to provide unworthy answers. Including this choice increases response rates and reduces the likelihood of respondents leaving blanks or ending the survey in the middle
  3. Avoid questions involving ranking
    Numerous surveys require respondents to rank in order of preference a number of items. A host of factors skew the answers to such questions— most notably, the number, order, and object range. Respondents will best remember the first and last items of a list and tend to assign the top and bottom ranks to them. Furthermore, other research shows that a ranking question may influence ratings on subsequent questions, possibly as respondents are sensitized to the ranking question subject.

Guidelines for Administration

  1. Make sure that employee surveys are anonymous and ensure that they remain so
    As we have already pointed out, if respondents are confident that personal anonymity is guaranteed, they are much more likely to participate in surveys. Many employees are smart enough to know that the fingerprint in every device is unique and that passwords can be decrypted or overridden easily. Employees are reluctant to provide honest reviews and ratings for their leaders and peers as they know that their answers are stored somewhere on the mainframe of the business. The respondents’ desire for anonymity explains why many companies prefer to use paper-based surveys, even though all employees have access to a computer network.
  2. Make the department the primary unit of analysis for corporate surveys in large organizations
    Although the need to maintain anonymity is paramount, large corporations still need to coordinate and analyze department-or operating unit-level results of internal surveys as they measure success at these levels. Clearly, the utility of surveys that are undifferentiated by departments is poor. This helps you compile customized feedback reports that divide the cluster departments into the specific groups you need.
  3. Ensure that the survey is completed in about 20 minutes by employees
    Employees are busy, and no one really likes surveys and evaluations. If a survey appears to be unreasonably time-consuming, only people with a lot of free time will be involved, and the response quality will drop significantly. We’ve already seen that respondents’ responses become automatic and overly positive when surveys are long. Generally speaking, we found that surveys that can be completed in 20 minutes can provide a company with substantial results.Employee focused strategy has become the norm, and consumers look favorably on people-centric organizations rather than profit-focused businesses. You will recognize what goes well and what needs improvement only by communicating closely with your employees.

Now you know the secret recipe to the best employee surveys.

7 Sales Tools for Every Small Business

We all want to get better at what we do.

But as a salesperson or sales team manager, I’m sure you’re constantly on the lookout for the best tools to make your team more efficient.

So here are seven sales tools your small business needs.

Calendly

Calendly is all about productivity, which is essential to any sales team. It’s productive because it’s a way to passively schedule calendar events.

Here’s how it works: you set blocks of time that you’re available within your Calendly account. Then you give people your Calendly link where they can schedule an appointment during one of your predetermined times.

And it doesn’t matter how you’ll be meeting — phone, video, in-person. It’s just an easy way to schedule your days.

LinkedIn Sales Navigator

LinkedIn Sales Navigator is a premium account, and it is a goldmine for sales teams. It helps you find specific people, add them to an organized lead list, and then contact them directly.

Sales Navigator has many helpful features, like Account Targeting and the Buyer Circle, which tells you who the decision-makers are on certain deals.

But the feature that’s most useful to salespeople is Advanced Search. In just a matter of minutes, you can have a list of hundreds of potential leads, all thanks to the filters LinkedIn gives you.

Some of the filters include:

  • Job title
  • Company
  • Industry
  • Location
  • Employment history
  • Your products and services
  • Keywords
  • And more…

Once you find leads, you can add them to your lead list. Then you can contact them via LinkedIn InMail messages. However, InMail limits each message to 300 characters and you get just 20 messages a month.

If you want an alternative to that, you can use a LinkedIn email finder to extract the email addresses of those leads for cold emailing.

MailerLite

MailerLite is an easy-to-use email marketing platform. It’s totally free to sign up and on the free account, you get up to 1,000 subscribers and 12,000 emails a month.

And creating email campaigns is simple. They have a drag-and-drop editor. The metrics are clear to understand. And making an automation chain requires simply hitting a “+” symbol. It’s important to have an email marketing platform, especially one that doesn’t make it harder to communicate with your email list. You can add value to people’s lives with email, whether you’re using it for outbound or inbound marketing.

HubSpot Sales

A clear sales process is essential to a successful sales team. That’s why HubSpot Sales, winner of the Best Sales Software award in 2019, strives to make that possible.

It’s an eCommerce software that helps you save time by automating tasks, like follow-up emails and reminder notifications. You can even be alerted when your leads open your email and click one of the links in your email.

Here are some of the services it offers:

  • Pipeline management
  • Custom reports
  • Report templates
  • Sales automation
  • Gmail and Outlook integration
  • Inbox profiles

They have a free plan, but you can upgrade to the Pro plan to get advanced features for $50 per user per month.

Freshsales

If you want another option for automating your tasks, Freshsales is one you should consider. The most compelling feature allows you to send personalized emails to your entire email list.

But there are many other sales-centric features, including:

  • One-click phone calls
  • Trendline reports
  • Sales activity reports
  • In-depth analytics
  • 360-degree customer view
  • A visual sales pipeline
  • Prioritized email inbox

You can also track the most frequently visited pages on your website, categorizing those people based on their browsing behavior. The software will then collect leads and rank them so that you can get in touch with the most important ones first.

You can sign up for a free Sprout plan, or you can get more features with the Blossom plan for $12 per user per month. Plus, there are other premium accounts you can choose from.

Pipedrive

Pipedrive is a pipeline manager, allowing your sales team to stay on top of their leads and their goals.

To give you an idea of what is possible with this tool, here are some of the main features:

  • Role assignment
  • Extremely customizable
  • Strong and reliable API
  • View contact history
  • Tools for goal-setting
  • Detailed reporting

The most appealing thing about this tool is the big-picture it offers. Your sales reps can see each stage of each deal and how it’s progressing. And you keep track of the leads’ actions and reach out when necessary.

You can get a 30-day free trial, after which accounts start at $10 per user per month.

Revel Systems POS

Revel Systems POS runs point-of-sale processes, but it also does much more. You can get feedback on the customer’s experience, take care of administrative tasks, and even manage your finances.

You get instant access to data about your sales, inventory, and workforce.

Some other useful features include:

  • Items in low stock show in red
  • Purchase order management
  • Track purchase history

You get a free trial, and then you can upgrade to get all the features for $99 a month.

Understanding Bankruptcy and Methods to Rebuild Credit Score

If you or your business is not able to pay the outstanding debts, a legal proceeding is involved that declares bankruptcy. It is the worst possible situation when nobody is ready to give you loans even at high-interest rates. A legal bench critically examines all assets to make sure that a person or company has actually become bankrupt. Generally, petition for bankruptcy is filed by the debtor or creditors for legal declarations. The court evaluates all the assets and uses them to pay the remaining amount partially as much as possible. The main problem stands while rebuilding credit after bankruptcy. The credit score is a kind of goodwill to help in getting financial aid from banks and financing firms. When you file bankruptcy and declared legally, it abruptly lower down the credit score. Scroll down to understand how bankruptcy affects the credit score.

Bankruptcy impacting credit score 

VantageScore and FICO scores are two major organizations that decide the credit score of an account with numerical calculations. The cores of both organizations range between 300 to 850. Here are clear figures of both agencies illustrating the statuses of credit scores.

FICCO 

a). Excellent credit: 800+

b). Good credit: 740-799

c). Fair credit: 670-739

d). Poor credit: 580-669

e). Bad credit: <580

VantageScore

a). Excellent credit: 750+

b). Good credit: 700-749

c). Fair credit: 650-699

d). Poor credit: 600-649

e). Bad credit: below 600

When the court declares you bankrupt, it abruptly reduces from 160 to 220 points. The average credit score remains between 690 to 720, if the points reduce by 160 to 220, you will automatically fall in the category of poor or bad credit score. No matter whether you file bankruptcy or not, the credit score will continuously keep on reducing because of the incapability of loan repayment.

How to rebuild credit after bankruptcy

A bad credit score is a primary reason why you can’t get credit anymore from any finance organization. A low credit score in normal circumstances differs from the condition of bankruptcy. In order to rebuild it, we need the assistance of a professional credit repair agency. The follow some important steps to overcome this situation.

Here we are mentioning step wise measures in detail. 

  • The first thing they examine is your latest credit report to confirm the bankruptcy. Actually, bankruptcy declaration is a better circumstance than delinquent balances and outstanding.
  • If you have multiple accounts, there is a hope of rebuilding the credit score. Credit repair agencies suggest regulating the payments of other accounts on time. Some accounts may not be showing in your credit report but it doesn’t mean that they are not going to be reported.
  • Try to get a credit card rather than applying for a loan. Getting a loan might be difficult but many credit card companies issue credit cards because you will not be declared bankrupt for the next 7 years. Within this time period, they know how to get back the credited amount. Approach a financing agency to apply for secure credit cards because they are easily issued. The company asks for a security deposit before issuing a secure credit card. If you are making timely payments, the credit card company will turn your credit card into the “unsecured” category. This behavior gradually starts rebuilding your credit score that will reflect in the next credit report.
  • Never exceed your credit card limit more than 30% because the excess of spending from credit card portraits a negative image. Consider your credit cards after bankruptcy as a way of rebuilding score rather than a shopping pass.
  • Always keep on submitting new credit applications no matter whether they are accepted or rejected. It is a chance of luck because some creditors consider you as a prior case who really need credit and will return it. However, this tactic doesn’t work every time.
  • If there is a co-signer, your credit score will improve much faster. A co-signer having a good credit score acts as security assurance. However, remember this fact that late payments from your account will also badly affect the credit score of co-signer.

These are some smart tips for rebuilding credit after bankruptcy steadily. It will take at least 1 year or more to rebuild your goodwill. Have patience and keep your record clean as much as possible.

15 Budget-Friendly Home Improvement Hacks You Need To Know

If your home is in dire need of renovations but your budget is not quite ready for it, then you’ve come to the right place. You don’t have to wait to get money for a total overhaul. You can begin working on some DIY projects that are going to cut the renovation costs of your home, but even then, DIY projects can still get really expensive. If you’re not ready for spending a lot of money on home upgrades, do not worry. There are plenty of home improvement hacks that can work just as good even when you’re on a limited budget.

Welcome to a new collection of DIY projects in which we’ve featured 15 Budget-Friendly Home Improvement Hacks You Need To Know. Take a look at them below and you will identify some of these projects as solutions for your home improvement needs. All of the following ideas have free tutorials that you can access by clicking on the links below each image. The tutorials come together with complete step by step instructions that will make it all a lot easier. Enjoy!

1. DIY Shiplap Walls

2. DIY Faux Wallpaper

3. Cover An Ugly Light Fixture

4. DIY Kitchen Island From Dresser

5. Frame A Builder Basic Mirror

6. Air Stone Fireplace Makeover

7. Transform Boring Cabinets Home Improvement Hacks

8. $6 Dollar Ceiling Fan Update

9. DIY Whitewashed Fireplace

10. Cedar Street Number Planter

11. Painted Stairs

12. DIY Floating Shelves

13. Add Shutters

14. Paint An Oak Banister

15. Give Your Faucet A Face-Lift

Top 15 Best Paid and Free Personal Finance Software 2020

Personal finance softwares help you in managing the finances easily. You will be able to get automatic transaction updates and be able to track it. This will allow you to get an early warning if things go south. These programs come with more features too and they are either stand-alone or web-based. To help you out here are the best free personal finance softwares: 

Top 15 Best Free and Paid Personal Finance Software 2020

In this article, u can find out the best 15 personal finance software to help your financial matters.

  1. Banktivity
  2. Moneyspire
  3. HomeBank
  4. CountAbout
  5. Moneydance
  6. BankTree
  7. Mint
  8. Buxfer
  9. Microsoft Money
  10. Money
  11. Quicken
  12. KMyMoney
  13. Mvelopes
  14. YNAB
  15. Qapital

1. Banktivity

This free personal finance software will let you synchronize, analyze and integrate your various bank accounts. You will also be able to fully categories all your different kinds of transactions manually or by the bank option. Along with this, you will also be able to maintain a budget here so that you spend accordingly. 

Price: For direct access, you will have to pay $39.99 per year. 

2. Moneyspire

This is a very user-friendly personal finance software that lets you put all your finances in just one place. It comes with useful features like online banking, mobile app, balance forecast, charts, reports, reconcile statements, check printing, customer invoicing, etc. With this tool, you will be able to adequately manage your accounts and get a hold of your charges and spendings. 

Price: For basic edition pay $39.99, for plus edition pay $74.99 and for pro edition pay $119.99. 

3. HomeBank – Best Personal Finance Software

This personal finance software has made use of the use of more than 19 long years of personal user feedback and experience to refine itself. It can analyze your budgets and finances in a very detailed manner. You will find that it has powerful charts as well as fikueringy tools to make the job easier. But it’s very easy to use too. 

Price: It’s fully free. 

4. CountAbout

This is a very easy and functional personal finance software. You will find that it can very easily import various data from Mint and Quicken. Then it syncs to your bank account to get information about other financial data. This mobile app allows you to customize categories to tailor it to your very specific needs as well. So this cloud-based app comes with an easy interface that will always keep you updated about every aspect of your finances. 

Price: Basic you get for $99.9 per year and the Premium you get for $39.99 per year.

5. Moneydance

This easy to make use of personal finance software comes with very essential features. This includes bill payment, online banking, budgeting, account management and also investment tracking. You will find that with this tool you will be able to keep track of multiple currencies and take care of any financial job with ease. The online banking facility will let you download transactions automatically too. 

Price: You will have to pay $49.99 per year. 

6. BankTree

This personal finance software will help you with your basic reporting and budgeting. Not only will you get to manage all of your accounts in just one app but you will be able to stay connected with your bank directly too. This is available on your Android phone, desktop PC, iPad, and iPhone. With this, you will even be able to upload files with the current balance which comes from your bank or financial institution. 

Price: For UK people it’s £35, for European people it’s £35 and for US people it’s $40. 

7. Mint – Best Personal Finance Software

When it comes to money management apps then Mint is a much-favored one. It’s easy to figure out and has a very simple interface. You will find that it shows all of your activities in different categories. All of your bank information will be updated and synced too. After you, you can use the program to set budgets and goals. 

Price: It’s fully free.

8. Buxfer

This web app will let you manage not just your own, but also your group expense. It comes with various kinds of connectivity options which will require finance software for your home. With this app, you will be able to make reports on various spendings and make budget yearly or weekly. Its IOU view will allow you to get access to various accounts. 

Price: For Plus you will have to pay $3.99 per month and for Pro, you will have to pay $4.99 per month. 

9. Microsoft Money – Best Personal Finance Software

This personal finance software will let you see your bank balance, keep track of expenses and make budgets. You will be able to use this tool both in your PC as well as mobile. It comes with features like currency converter, mortgage calculator, bill payment online, investment quotes online, etc. 

 Price: It’s fully free

10. Money

This user-friendly personal finance software comes with a lot of attractive features. This includes data import, direct downloads, tax, automated investment, payees, account reconciliation, multitasking, iCloud and security. You will find that it is available on IOS and Mac OS devices. With this, you will be able to keep track of your long and daily investments as well as manage multiple accounts with multiple currencies. 

Price: You will have to pay $24.99 for it.

11. Quicken – Best Personal Finance Software

This software helps you streamline your planning and budgeting. This tool is so effective that it’s even used by many business institutions and owners. In terms of features, it shows your project income, credit or bank balances, expenses and also gives notifications. Apart from this it also shows how you performed in the market and lets you monitor realized yields, unrealized yields as well as the cost basis. It even provides free phone support for your needs. With this, you will be able to keep track of your investments and how they are performing. 

Price: For the Starter edition you will have to pay $39.99, for Deluxe you will have to pay $74.99 and for the Premier you will have to pay up $109.99

12. KMyMoney – Best Personal Finance Software 

This is one of the best personal finance softwares which are available for free. By making use of double-entry accounting it helps you keep track of your finances. It’s one of the easiest and best opens source apps to use. 

Price: It’s fully free. 

13. Mvelopes

This online personal finance software makes use of an envelope system. Here money for expenses gets set aside in real envelopes. So all it does is use high technology to the traditional envelope budgeting method. With this, you will get to make use of rollover every month budgeting. 

Price: For Basic, it’s $4 per month, plus it’s $19 per month and for Complete it’s $59 per month.

14. YNAB

This versatile personal finance software ensures that you get control over your finances with its bank syncing, debt paydown, goal tracking, personal support and reporting bliss features. You will be able to streamline your budget with it and be up to date with the market forecasts. This app also lets you get synchronized information stuff from just about any device. 

Price: You will have to pay $50 per year. 

15. Qapital

This personal finance softwaremakes it very easy to save. You will be able to save even by doing the same things you do. All the Qapital accounts are fully FDIC insured. Qapital also allows you to get a visa card, an interest-bearing account, and an account. 

Price: This is fully free. 

These finance management tools will be very useful to you. Whether you want the paid apps or the free apps depends on your budget as well as your financing needs. 

Top 10 Best YouTube Downloaders For MAC Computers

There is no denying that we are living in an internet age, but in some situations, the internet doesn’t always travel with us. So for those who are addicted to YouTube (myself included), being able to take your favourite videos with you is extremely valuable.

As I am writing this article on my MacBook, I thought it would only be fitting to cover 10 of the best YouTube downloaders for Mac computers and laptops for all you Apple lovers out there. But before I get stuck in, here are some great examples of why you may need a YouTube downloader.

  • No Internet Connection: As I touched on above, the internet doesn’t always come with us. Because of this, it is handy to download videos before you go on a long flight, bus or even train ride so you can keep watching to your hearts content.
  • Backing Up Your Own Videos: For me this is the main reason why I use a YouTube downloader for my Mac. Many times I have uploaded a video to my YouTube channel, only to realise later that I deleted the original from my hard drive. Go me! Luckily I was able to download my own content straight from my YouTube channel.
  • Poor Internet Connection: If you live with slow internet connection, coming across a blazing fast connection is like an oasis in the desert. So why not make that best use of this connection and avoid those hours of waiting for stuttering YouTube videos.

Disclaimer: As I am a YouTube creator myself, you should only download videos or content when you have the direct permission from the copyright holder. You can learn more about this by reading YouTube’s terms of service. Downloading content without permission is strictly prohibited.

Top 10 Best YouTube Downloaders For Mac Computers


2. iTube Studio YouTube Downloader

itube studio downloader

This is one of the best YouTube downloaders for MAC and is studded with seemingly endless features. For starters, it is not just a YouTube downloader; in fact, it supports over 10,000 online video sharing platforms. The interface is simple and even allows recording videos from websites when under some circumstances downloads are not available.

Pros

After downloading, you can convert the video files into other video/audio formats and watch them on your mobile, TV, etc. There’s also a Chrome extension, eliminating the need for switching apps to download videos. Plus, you can download entire playlists with just a single click. Next, there’s even a Private mode that you can toggle to password protect specific videos that you download!

Cons

There’s a certain price tag that comes with the app, even though you can try it for free initially.


3. Free YouTube Downloader

free youtube downloader

Free YouTube Downloader is the next best and provides a number of features to bring ease to your netizen life. The interface is self-explanatory and minimalistic. A bunch of buttons and menus are all that are needed to get you started.

Pros

Downloading videos is extremely easy; you just have to paste the link, select the quality and press the button. There are a number of output formats to choose from including MP3 if it’s the music you’re interested in. Later, you can convert the file into other video formats. One of the best features however is its price, which is Zero! This means you get a decent YouTube downloader without spending a single penny.

Cons

The downloader only supports YouTube unlike several others that work with other websites as well. In addition, the feature set may come across as too little for some video streamers.


4. ClipGrab YouTube Downloader for MAC

clip grab youtube downloader for mac

ClipGrab is a free YouTube downloader app that lets you grab videos from multiple websites, e.g. Dailymotion, Vimeo, and of course YouTube. Not only can you download YouTube videos by pasting the link, but you can also search videos through the interface.

Pros

You can download videos in a number of formats such as MP4, FLV, etc. Later, you can even convert them to others such as MP3, MPEG, etc. The app also has no problem downloading 4K/8K ultra HD videos, and provides a decent download speed while doing so. The downloader is entirely free, though you can donate a few dollars to support the cause.

Cons

The lack of features does dent the free downloader’s chances of topping the list. The search function for instance only works for YouTube videos, and not for other platforms.


5. MacX Videos Converter Pro

macx video converter

Though the title may not impress one enough to put it into best YouTube downloaders for MAC Computers list, the app’s feature does make it a worthy contender. The app titles itself as an all-in-one converter that allows you to download and convert files. YouTube isn’t the only website it allows as it supports around 300 video sharing platforms.

Pros

The feature set of the software is extremely versatile. The downloader delivers stunning results for all type of videos including 4K/8K. Beyond simple downloading, the app has its own photo slideshow maker that can turn a coupe of photos into a motion picture. Given the app’s name, it must be good with file conversions, right? Right. The app has 320+ video and 50+ audio codecs to choose from. That’s not it; you can even edit videos if you want, e.g. trimming, cropping, merging, etc.

Cons

The downloader comes at a price which may be a little steep for some web crawlers. However, discount coupons are available from time to time.


6. Any Video Converter

any video converter

Already known for its prowess in the Windows arena, Any Video Converter has an equally good reputation in the MAC world as well. The video converter/downloader comes with 100+ supported formats, 160+ output codecs and guarantees 100% lossless quality. There’s an editor embedded within the app that lets you crop, trim, etc. the videos you’ve downloaded.

Pros

You can download videos from a number of video sharing websites apart from YouTube. Once you have, you can convert them into a number of formats, fit for devices ranging from Mac to iPhones to Xbox 360s. For people who like to listen to the latest music through YouTube, you can download videos directly into MP3! There’s a free version of the software available that’s fairly useful for the average YouTuber.

Cons

The free version of the software has a limit on downloads, and length of videos that can be edited.


7. Clip Converter 

clip converter

Clip Converter is YouTube downloader app that’s highlighted with simplicity and ease of use. Built and used right from your web browser, it’s to-the-point approach can come across as very attractive to people who have a minimalist attitude. The entire process of downloading a YouTube video is easy, and you get better at it with every time you use it.

Pros

The powerful converter allows you to download MP4, MP3, WMA, MOV, AVI videos. Moving ahead, the app has decent conversion and editing features. You can set the aspect ratio, length and section of the video you want to keep and save it in a format of your liking. There’s no need to download any software or app as the downloader is operated right from the website.

Cons

May be too comprehensive for some people who prefer stacks of features in such software.


8. 4K YouTube Downloader for MAC

4k youtube downloader for mac

Another app to make it on our list of best YouTube downloaders for MAC Computers due to its simplicity. The 4K YouTube Downloader allows you to download videos from YouTube, Facebook, Vimeo and several other websites. The interface is sleek and simple to use, not one that would overcomplicate things.

Pros

You can download entire playlists and channels, saving them in the format of your liking. You can even subscribe to channels from within the app, through which you can regular updates regarding the latest videos. One nifty little feature is the subtitles extraction that lets you save them as .SRT files separately. There’s no price tag on the app that sweetens the deal!

Cons

The number of formats supported for video conversion are limited.


9. DVDVideosoft YouTube Downloader for MAC

dvdvideosoft downloader mac laptop computer

This is an all-in-one video tool that serves as a downloader, converter and editor for your videos. Due to its popularity and free availability, it has been installed over 129 million times! That’s an impressive record. The steps are simple and involve downloading, installing and pasting the video link.

Pros

Extremely sleek interface bundled with decent features make it a worthy YouTube downloader. The downloader isn’t sluggish at all and uses multi-stream downloading to deliver blazing fast rates. You can download videos in bulk as well, i.e. from channels, playlists and different categories. Rest of the features are quite normal such converting videos into multiple formats, downloading subtitles, etc.

Cons

You may feel a bit of design inconsistency when switching between different parts of the app.


10. Wondershare YouTube Downloader

Last, but definitely not the least, Wondershare is a decent application that comes with browser-level integration. This allows you to download videos right from within the browser instead of pasting in links.

Pros

The downloader comes with batch downloading functionalities and isn’t limited by the quality of the video in any way. You can download 144p – 8K videos without a hitch. If required, you can paste the video’s link and start downloading as well. There’s even an integrated video player within the app through which you can stream the downloaded content.

Cons

The app has a free version as well as a paid one. The free version does let you download videos but lacks essential features such as MP3 conversion, which are a norm in several other free video converters.

Top 10 Best Free YouTube Downloaders

Unfortunately the internet doesn’t always travel with us. So for those who are addicted to YouTube, being able to download YouTube videos is hugely valuable.

But before I get stuck in, here are some reasons why you might want to download a YouTube video.

  • Slow internet connection: While this might seem counter intuitive, it’s a great way to get around sluggish internet connections. Instead of your video stuttering, you can download it in the background while you do other tasks. Also with some YouTube downloaders, you can opt to download a entire playlist for later viewing.
  • Offline viewing: This is where YouTube downloaders work best. As I travel a lot on planes and out of service areas, being able to watch YouTube videos without a connection is lifesaver. Usually I download my selected YouTube videos I want to watch a few days before I get on the plane.
  • Backing up your own content: Many time i have uploaded a video to YouTube and then deleted the original copy on my computer. Now I keep backups for all my new videos, but for the older one I uploaded I don’t have any copies. By using a YouTube downloader, you can backup the ones you don’t have a copy of.

Disclaimer: You should only download videos when you have the permission from the copyright owner of the content. Reading YouTube’s terms of service notes that downloading content without permission is explicitly prohibited.

Top 10 Best Free YouTube Downloaders


1. Free YouTube Download

free youtube downloader

You don’t really need to be a rocket scientist to know what this program does! The title is pretty self-explanatory. Free YouTube Downloader is a slick software that is designed for one thing only: download videos.

  • Allows batch downloading
  • Allows user to select the video quality
  • Converts videos into other formats if you want

Overall, this option is by far the favourite that we have used from this list. It consistently gave us the fastest download speeds, ease of use, lots of functionality and not to mention the ability to select video quality. Can’t go wrong!

Pros

The downloader is simple; all you need to do is paste the URL. If the auto-downloading option is enabled the software downloads the video on its own. Batch downloading is also available by default, and requires no premium or paid credits. It is also available for Mac and PC.

Cons

After using Free YouTube Download, it was quite hard to fault. It serviced all my needs which was great. The only thing I would prefer would be a more modern user interface. But overall a great tool and easily deserves my number one spot.


2. 4K Video Downloader

4k video downloader Best Free Youtube Downloaders

Looking for simple, ad- & worry-free YouTube downloads? 4K Video Downloader is one of the safest bets out there and provides comprehensive YouTube downloading capabilities. Its most decorated features include:

  • Supports a wide variety of websites in addition to YouTube
  • Downloads entire play lists
  • Supports 4K & 360-degree videos

Pros

Simply superb, all that 4K Video Downloader requires is the video’s URL, and from there on out, you can download the video with a single click. The downloader supports multi-stream downloading that speeds up downloads while eliminating any risk of getting the IP address blocked.

Cons

There’s no free meal, right? Right. While the downloader is available for free, its features are limited. The most major ones of these limitations is the version’s inability to download playlists with more than 24 videos. Apart from this, the free version doesn’t put you in a tight spot with the video’s source website, the quality, or its download speed.


3. WinX YouTube Downloader

winx youtube downloader

Most people who are looking to make YouTube videos work offline aren’t looking for an overloaded or fancy software. They just need to get the job done.

WinX YouTube Downloader is one of the best free YouTube downloaders available. It’s able to:

  • Download videos from 300+ sites other than YouTube
  • Download 8K quality videos
  • Convert videos in formats such as FLV, 3GP, etc. 

Pros

The downloader can download video at any of the resolutions available, while also supporting batch downloads. In addition, it is completely free so missing out on any feature is impossible.

Cons

With that being said, the interface feels a bit outdated, and the downloader misses out on some of the more advanced features such as multi-stream downloads.


4. Any Video Converter Free

any video converter free youtube downloader

Don’t be fooled by the software’s name, since it has the ability to do way more than what you might think. Any Video Converter is a YouTube downloader, that’s capable of:

  • Downloading videos from multiple video websites
  • Tailoring videos through an inbuilt video editor
  • Converting videos into various formats

Pros

On its face, this is one of the best free YouTube downloader available, but its limited functionality within the free version puts it on hold. The interface is fluid, and requires little interference once a download has begun. Once done, you can edit the video and save it in a variety of formats.

Cons

The free version’s installer comes with adware such as ByteFence and Yahoo software so be sure to decline that. In addition, the you can’t initiate batch downloads unless you buy the premium version. These two drawbacks keep the downloader from going up the list.


5. ISkySoft Video Downloader

One of the best free YouTube downloaders there is, ISkySoft Video Downloader is a simple yet effective software. It is highlighted by features such as:

  • Ability to download both video & audio from 100s of websites
  • Can download entire YouTube playlists
  • Can convert videos in over 153 formats

Pros

Available for both Windows & Mac, the simple YouTube downloader lets you download & convert video files from YouTube. If you want, you can extract audio-only from videos as well.

Cons

The downloader is certainly free to try but some of its features don’t work until you pay. One of these is batch downloads & converts. With the free version, you’ll be able to carry out only basic YouTube downloading tasks, none of the fancy stuff!


6. FastestTube

fastest tube best free youtube downloader

Do you really need an entire software program installed on your computer in order to download YouTube videos? No, a web-browser extension would suffice. FastestTube is a web browser extension that downloads videos without requiring any additional software installed on your computer.

Pros

The extension works with popular browsers such as Internet Explorer, Chrome & Firefox. You may download videos in a variety of qualities as high as 1080p, while at the same time enabling/disabling additions such as annotations, auto-play and ads. This makes the interface solid, and removes all the hassle of opening up a separate software for downloading videos.

Cons

As Google doesn’t really like you to download YouTube videos for free, you’ll have to download the extension from FastestTube’s website and install it from thereon. This might be undesirable for some users who are looking for a quick-fix.


7. Freemake Video Downloader

https://www.youtube.com/watch?v=HubIc0lB5rE

If you look at it as an entirely free software, it really is one of the best free YouTube downloaders available. Not just for YouTube, the application grabs videos from websites such as Facebook, Dailymotion, Vimeo, etc.

  • Simple copy/paste mechanism
  • Convert videos into multiple formats
  • Extract audio from video files

Pros

The video downloader comes with an intuitive interface, sporting a one-click mode which makes downloading videos a cake-walk. You can set-up the application’s setting once, for downloading, extracting & converting, and from thereon, rely on a single click for the whole operation to take place. You can download the video file in any of the available qualities without a glitch.

Cons

The application tends to get bogged down when multiple downloads are initiated at the same time, but for the most part, maintains its fluidity.


8. ClipGrab

clipgrab video downloader

ClipGrab has been designed to ease in the process of downloading videos, letting you work your way through sites such as YouTube, Vimeo, Dailymotion, etc. This is one of the best free YouTube downloaders out there, and has almost every bit of functionality you want.

  • The interface is all set for novice users
  • Comes with an inbuilt search-bar for videos
  • Can download videos in any format/quality

Pros

For starters, ClipGrab lets you search for a video from its search-bar. This means you don’t have to open your browser at all. Once you find the video you were looking for, all you need to do is select the quality & format, and start downloading.

If you want, you can also paste URLs into the software’s clipboard to download videos. The downloader also gives you an option to download audio-only version of files, which is great for a music enthusiast.

Cons

The installer comes with adware such as Yahoo & ByteFence add-ons; be sure to avoid these. In addition, you’ll need to be really specific while carrying out a video search as the results only contain 12 entries.


9. All Video Downloader 

all video downloader youtube

All Video Downloader works on a similar principle as ClipGrab. It lets you search for a video from within the application, and download them without opening a separate web browser. Apart from YouTube, the application’s search engine includes sites such as Vimeo, Dailymotion, etc.

  • Built on simple & fluid interface
  • Allows batch downloading
  • Allows video conversion

Pros

The entire operation is highly simple, which makes this software desirable for beginner users. In addition, to downloading videos, you can also configure the application to extract audio on its own. Moreover, you can covert video files in a variety of formats as well and watch them on a separate device later.

Cons

The batch download feature is a little limited though. You can only download two videos and only convert four at any given time.


10. aTube Catcher

tube catcher Best Free Youtube Downloaders

aTube Catcher is a YouTube Downloader that in addition to its normal operation, lets you convert files into different video formats. A brief of the features is as follows:

  • Batch downloading
  • Batch conversion for viewing in PC, Mac or Mobile
  • Top speed availability 

Pros

aTube Catcher is truly one of the best free YouTube downloaders as it provides top-notch downloading capabilities. Once you acquire the link to the video, you can select a variety of video formats to download in. That’s not all. You can also record on-screen videos, and burn them on a CD/DVD if you like.

Cons

But the story doesn’t end here. The installer does try to sneak up on you through an adware, which is of course not installed if you decline the offer.


10. Airy Youtube Downloader

Airy YouTube Downloader is a small utility tool allowing users to Download YouTube Videos on a PC system quickly. The software works simply and enables users to download their favorite YouTube Videos quickly.

It’s an advanced software which can be integrated with your web browser application as well. You just need to enter your Gmail account and sign in with the existing Google account on YouTube. You will have to authenticate your Gmail account with the software when asked. Just enter the Gmail account and sign in with it on the software and you’re done.


11. Snap Downloader

You can download your favorite videos from YouTube , Facebook , Twitter, TikTok and several other web pages with SnapDownloader. 8 K, 4 K, QHD, 1080p HD, and other resolutions download videos. You can download and view your favorite videos on any device with SnapDownloader.
SNAPDOWNLOADER

Essential Tax Advice For Starting A New Business

Starting your first business is a bold step in life, but it’s also fraught with risk. There are many beginner’s mistakes you can make.

A bit of research is enough to help ward off many of them. And for tax purposes — a complex topic a lot of people aren’t naturally knowledgeable about — it’s a good idea to get advice from a qualified professional.

Starting a business—the basics

First of all, when taking this step, you need to consider what your business and industry is going to be.

That’s essential as it defines the type of information you’ll eventually submit to the HM Revenue & Customs (HMRC).

Tax is a major part of business life and is complex enough to put many people off from trying. If you ignore certain taxes, you can end up with major bills or legal situations that can be serious enough to put your business at risk.

The British government provides business and self-employment tax guidance. But for the basics on tax, below are the things to keep in mind — and why all advice you can get is good news.

Tax — the basics

There are five main taxes you’ll have to keep in mind. Tax is complicated in the UK, so simplifying it is an essential part of running your business. 41 Notorious Tax Evasion Statistics [Updated in 2020]

Income tax 

This is tax paid by individuals and will apply if you are a director of a limited company, a sole trader or a partner in a partnership

National Insurance

NI isn’t a tax as such, but you must pay it to the government – there are different classes of NI depending on whether you’re employed or self-employed – there are also implications is you are an employer

Corporation tax

Limited companies are subject to corporation tax and generally will pay this on their taxable profits

VAT

Regardless of your business type, you make more than £85,000 in sales each year you must register for VAT. Even if you do not reach to registration threshold it is wise to take advice in this area

Business rates

If your business is in an office or retail premises, you may have to pay business rates to your local authority. It is the equivalent of council tax for householders but applies to businesses occupying commercial premises.

Remember also your responsibilities as an employer to PAYE on employee’s earnings – you might need a helping hand and Naail & Co accountancy firm is here to help.

All of the above taxes come with different registration deadlines and dependent upon your industry, there may well be other things to consider for example the construction industry scheme.

It’s always advisable to take advice from a qualified accountant or tax professional.

Tax saving ideas for your business

Finally, here are some tips on how to master the world of small business tax.

Plus, how you can manage it effectively so you don’t become overwhelmed by your other day-to-day activities:

  • Keep on top of your industry guidance and consider the dispensations and allowances HMRC applies to some of them.
  • Consider handing your tax documenting duties to a trained professional — as mentioned above, an accountant, bookkeeper or tax professional.
  • If your business pays VAT, take advice so that you can ensure that the right amount of VAT is paid and always be mindful of registration limits.
  • Don’t get behind!  It’s costly and expensive to do so.
  • Keep your other obligations in mind.

Don’t be afraid to take advice. Although the initial expenditure may put you off, there are free consultations and from there you may quickly realize it’s the right step for you. It’s worth it in the end!