Personal Finance Tips – How to Legally Never Pay Back 70% of Your Unsecured Debt

To be in loan trouble can be a big cause for anxiety. Your health could deteriorate and in a matter of time you could find yourself snapping at anyone who tries to make simple conversation with you. All his could happen out of sheer frustration in being over your head in debt.The problem however could be solved easily. In fact it is easier than you think. It is natural to feel the walls are closing in when you are in debt but with if you had been given proper personal finance tips you would have found yourself almost debt-free.The good news is provided you owe in excess of $10,000 to say a credit card company; you have the option of having to never pay back 70 percent of your unsecured debt.A good exampleIn fact a credit card company would be a good example as they do not require collateral when they hand you over that coveted piece of plastic which can go on to make your life miserable. Although personal finance tips can prove to be beneficial, the thing to be remembered is that they are best taken if you happen to have pots of money.Most credit card companies have made $10,000 the benchmark from which they would be willing to negotiate down interest rates. It is not exactly a hard and fast rule but the figure is generally followed by most card companies. It may sound strange, but the higher the amount you owe, the more willing they would be to bring down your interest rate to a less obscene level.This is because with the recession, they cannot afford to lose even a cent from their customers so they are more than happy to retrieve anything they can. In fact, they would be quite happy to get back the principal but perhaps for the sake of it, they also insist on some interest as well.The credit card companies have themselves to blame. They should have realized their abnormally high interest rates would mean many people would default on repayments. With the economy being what it is, the number of defaulters has turned into millions and that adds up to a considerable amount of money. Undoubtedly, this has a serious effect on the company bottom line.It is doubtful even personal finance tips could have warned you of what lay ahead. Not even the best analysts could really predict this recession for sure.

Reasons Why Odoo Is The Best ERP For Small & Medium Level Businesses

Robust technological advancements have brought about a sea of change in the IT market. Almost every company is on a run to keep in pace with these updated trends. Their main motive is to stay in the competition, get high rankings on SERPs, and manage business operations with productivity and ease. Today, an ERP for small businesses has become a must to execute their daily tasks through a single, integrated suite of applications like the ERP system.The Odoo Enterprise Resource Planning system is one of the key tools in managing the core business functions of both small and medium-sized businesses. It does so through streamlining and automation. The modular structure of functioning takes care of every aspect – from order processing, production management, inventory and warehouse management, sales and purchase tracking, shipment tracking, managing finances, and more. It professionally supervises business resources and improves production, revenue, organises orders, sales, ROI, manufacturing capacity, employee management, etc. It also ensures that communication is maintained between all employees and across all departments.However one of the best things about using an ERP for small business is that all these functions and tasks are done via a single dashboard control with built-in analytics and data sharing options. This further encourages collaboration and harmony across all departments of the company.What are the numbers?With several affordable ERP solutions available now, small businesses are also using it for their rapid and progressive business growth. The data below speaks about it all -

Approximately 53% of small businesses today prefer an ERP solution along with CRM as their priority investments.

As per research, 65% of the SMEs are already taking ERP consultation services.

96% of the emerging small businesses excelling in their respective industry verticals are found to rely on some ERP solution.

Small businesses using an ERP software solution are able to make decisions in 36% less time now.

SMEs, which are currently working with reliable ERP service providers are found to save 21% time in performing business operations.
An ERP software solution is implemented and integrated into each and every department of a business no matter what their size and category are. Implementing and integrating an ERP software solution entails strategic and careful planning to minimise the risk of work failure and to make sure that each and every business goal is adequately met.But the process of successful ERP implementation needs the efforts and expertise of reliable ERP consultants. A successful ERP implementation is possible after a standardised integration blueprint along with the involvement of the ERP experts. Any business, no matter the small or medium level can get real-time ROI with the properly executed and strategic implementation of a feature-rich and popular ERP software solution like Odoo.Odoo: The Ideal Choice for Small Business Odoo is now the most preferred ERP solution for every small and medium level business. It comes with robust and intuitive features that SMEs can leverage for managing different business verticals like manufacturing, retailing, trading, and so on. Moreover, businesses do not have to pay any license fee, which makes it a cost-effective option for the SMEs as well.Odoo ERP is open-source and flexible and also customisable as per the business requirements and workflow. Its well-structured methodology delivers upgraded software solutions to match and meet business objectives so that the ultimate productivity level can be achieved. Moreover,small and medium level companies also need a powerful customer relationship management system and this is where Odoo comes to the rescue. With its in-built module, it upholds the capability of resolving the queries of the customers instantly tending to offer the maximum user satisfaction and user retention.You must integrate and implement the ERP into your business system to ensure efficiency and increased productivity. An ERP like Odoo allows you to reach the highest peak of success, paving more ways for futuristic growth and expansion. The smaller businesses take one step forward with the support of this application suite, hence the advantages of the Odoo ERP is indisputable.Odoo: The One-in-All solution So, what makes Odoo the best choice of ERP for an SME? The answer is its modularity, affordability, ease of use, flexibility, and accessibility. Your business, even if it is a small-level one, can deploy this ERP effortlessly.As open-source software, Odoo comes with a rarefied interface that gives you complete control over the business processes, therefore governing your business system and workflow. If you compare Odoo with the other ERP options available today, you can find that this is undoubtedly rich in features and functionalities.Here are the key reasons why Odoo is the best ERP for small business today.

A Comprehensive and Cohesive Application

All businesses run on the basis of a distinct set of operations like accounting, customer relationship management, sales and purchase orders tracking, human resource management, warehouse management, and more. While a majority of the organisations manage these by using multiple software applications, it becomes expensive and haphazard for the company instead.For the SME’s, being unable to afford this huge investment, they start relying on multiple vendors and software solutions to take care of these operations. But with the Odoo ERP software, these small businesses are now benefitted manifolds. With various features, functionalities, apps, and modules, it stands out as the best choice with everything under a single platform.Odoo comes with thousands of modules and a complete suite of applications to cover all business operations. This ERP encompasses different modules like inventory module, CRM module, accounting module, human resource module, manufacturing module, and more for almost all business processes. Odoo’s application store comprises thousands of apps catering to different operations of small and medium level businesses.

Extremely cost-effective

Investment or the cost factor is always a matter of concern for every small and medium-level company. Often, because of the restricted budget, the SME ignores the need for an ERP implementation. ERP software solutions like SAP, ERPNext, Oracle, and Microsoft Dynamics charge a huge amount of cost. But unlike these, Odoo streamlines the business process and fulfils almost every major business requirements at affordable prices.With Odoo ERP, you won’t have to pay any license fee. The installation charge is also very nominal. The community version is also very cost-effective. Overall, this ERP is the most affordable solution for every business today and is the perfect choice for the SMEs. It ensures maximum ROI, easy business management, and a smooth workflow.

Easy availability

Odoo is easily available and is free to download. This is again the reason to choose this ERP instead of the other models available in the market today. It is suitable for every business need, especially for the SMEs. Also, with Odoo, you can easily check the suitability and requirements of features and functionalities so that it can appropriately take care of all your vital business tasks.

Simple integration and implementation

Odoo is an API-friendly ERP software and is pretty simple to integrate and implement. Odoo reduces the probability of untimely behavioural changes that every small business goes through. In addition to this, Odoo ERP has a modular structure, which makes it a great choice for the SMEs. The small and medium-level businesses can begin with implementing the basic modules as per the requirements. Gradually they can progress with customising and including more modules for better performance results.

Highly modular

Odoo comes with thousands of modules, which can be operated and integrated according to the business requirements. It is easy to use these modules and implement the same for managing the business right from warehouse management to sales, orders, shipping, manufacturing, eCommerce, trading, finances, human resources, customer relationships, and more. And the best thing is that all these modules are fully customisable.

Open-source

Odoo is an open-source ERP software solution, which makes it easily accessible to all. Because of the open-source nature of the ERP, you can access the codes and modules any time as per your interest. This is again another significant advantage of using Odoo as the ERP for small business.

Streamlined UI

Navigation is quick and simple in the Odoo ERP because of the streamlined and robust laid out interface. As compared to the other ERP options, where the UI tends to be complex and cluttered, Odoo stands out as the best with a simple UI and allows easy execution of functions.

Maintains transparency

The transparency maintained by Odoo cuts down the need to export or re-enter data, resulting in fewer glitches, errors and leading to flawless business performance. It increases productivity, which is an important aspect of every small and medium level business. It also reduces the investment in human resources, thus automating every business operation at the same time.

Quick decision-making

Real-time data offered by an ERP like Odoo proves to be advantageous for business marketing and management, accounting, etc. It enables the business to make quick decisions on vital matters thereby reducing the overdue of deadlines.

Increase the overall productivity

One of the major reasons to choose Odoo ERP for a small or medium-level business is a huge increase in overall productivity. For every SME, this is a significant factor. An increase in productivity is the main objective of all growing ventures. And this is what Odoo guarantees to offer. With Odoo, transforming several features of the business and overcoming some major challenges faced during business growth, becomes easy.

Streamlined data

When an SME chooses to get ERP software like Odoo implemented into their business system, mainly because of the benefit of obtaining a streamlined data flow. For instance, the financial data of a business needed by the inventory department of the business can be a little tough to get hold of. But, with Odoo ERP software, it becomes easy since all the official data and info are available to every department and employees.

Improved communication and collaboration

Integrating an ERP for a small and medium level business can result in a vast change when it is all about communication and collaboration between different departments of work. Lack of collaboration and poor communication often results in unavailability and inaccessibility of data. Of course, no growing business would want this to happen. This is the reason why choosing an ERP software solution like Odoo becomes highly important.ConclusionSo, all these reasons make it essential for small and medium-level businesses to look for an expert and reliable Odoo consultant so that they can get the ERP implemented. A streamlined and smooth workflow with increased productivity and revenue is what every SME wants and Odoo ensures the same fitting for all companies. Whether you are running small manufacturing, trading, textile, eCommerce, retail, or other business, Odoo always fits your requirement and automates the processes, therefore resulting in faster and higher ROI.

TOP SEO Mistakes – Top SEO Website Errors

Are you using the right keywords to optimize your website?
In many cases websites are optimized for the wrong SEO keywords. You need to do the research to find out what SEO keyword phrases people actually use to search for businesses in your particular field. In many cases you will discover that SEO keyword phrases that you thought were important are in fact rarely searched for; the opposite is also true.How well does your website show up well in Google, Yahoo, Ask and Bing?
You should test the effect of searching for your SEO keywords on a regular basis in all the major search engines. Your website position in the search engines will fluctuate and needs regular monitoring.Website Title – The single most important onsite SEO factor.
The web page title is very important. It should be relevant, the correct length and different on every page within the website. It is surprising how often we see inappropriate web page titles, no titles at all or a title that says something stupid like “HOME’ or in the case of really lazy website designers ‘TITLE GOES HERE’. Use a different title for each page within your website. Remember that search engines list pages, not websites, so each page is a fresh SEO opportunity.Website Description.
Tell Google what your page is about. As with the web page title, in many cases the Description is missing or incorrectly used.Website SEO Keywords.
While many search engines no longer use Keyword Meta tags, some still do, and they should accurately reflect page content, but you must be careful not to use too many of them.Broken links will harm your SEO efforts.
This is the number one error that we find when auditing websites. You click on a link within the website and you see an error message telling you that the page cannot be found. This delivers a very unprofessional image to people visiting your website. It is likely that Google will also mark you down in the search engine rankings, as Google expects technically perfect websites. There is no excuse for broken links within a website. Broken image links are also a common error found within websites. Instead of a picture being displayed you will see a broken image logo. Again this is easily checked for by professional website designers and there is no reason for a website to have broken image links.Picture only websites are disastrous for SEO.
Sometimes you will visit a website that appears to be displaying the usual mixture of text and pictures, but on closer inspection, even the text is actually contained within a picture. If there is no real text displayed within a website, Google has no clue what the website is about and the website will feature very poorly in the search engine results. There are ways to partly fix this, using what are called ‘Alt’ tags, used in combination with the website title and description, but as a rule your website should contain lots of relevant text. This is what Google likes!No relevant SEO keywords in a page.
If your website content fails to mention your product or service, it is not surprising that your website ranks poorly within Google. There are lots of tricks relating to where you place your keywords on a page and that is what we excel at. Simply stuffing a page with keywords will not achieve the desired result, and may even hurt your listing within Google, as it may interpret too many keywords as an attempt to spam the search engine listings. Google takes a very dim view of attempts to spam it.Number of back links
A very important SEO factor. Do you know how many other websites link to your website? Google does. The more links to your website, the better. Also the quality and source of the links is important to Google. If you suddenly gain hundreds of links overnight, this can trip the spam alert at the search engines and you can end up in a worse position within the search engines than before you started any SEO activities on your website.Google Page Rank.
Do you know what your Google Page Rank number is? In fact do you know what the Google Page Rank means? Google rates all sites using hundreds of different criteria and comes up with a number for your website. 0 is bad while 10 is the highest value. The higher the Page Rank the more likely that your website will show up higher within the Google search engine results. Many websites we audit have a page rank of 0 or 1, which is not good! Install the Google toolbar to view your website’s PageRank.Alt tags.
Great for your website’s SEO. Alt tags (short for Alternative tags) are a way of telling Google what a picture is about. As far as Google is concerned a picture is just a picture. Google does not know what a picture is about, unless you specifically tell Google using an Alt tag. It is amazing how few website designers go to the bother of using alt tags, which is a pity, as proper use of alt tags can have a big influence on your listing within the Google search engine results.Ease of Navigation and menu issues.
Many websites are hard to navigate. This means that it may be difficult to move from page to page, or back to the home page. This is such an important aspect for your website visitors and it is a shame that we see so many poorly constructed menu systems. Google may also find it hard to navigate your website and categorize each webpage which can harm your SEO efforts.Spell checking and grammatical issues.
It is vital that you check the spelling within your website. The correct use of grammar is also important. If your website is full of these types of errors, it gives a poor impression. Your company looks unprofessional. Correct spelling is also important for Google.Flash and java issues.
If your website uses flash or java to enable website navigation, make sure that you use the technology carefully as you may find that some search engines are unable to follow the links and as a result will not list most of your website pages within their search engine listings.Google Analytics.
This is a free tool from Google that allows you to analyze visitors to your website and track how they interact with your website. Has your website been enabled to show Google analytics data? If not you are missing out on a vital source of information about your website.Heading tags.
Proper use of heading tags within your HTML code can play a vital role in onsite keyword SEO. Many websites we audit are completely devoid of any heading tags. Try and use 2 or 3 levels of headers.Open Directory Project.
Did you know that a submission to the Open Directory Project is one of the most valuable links you can get in terms of your website’s SEO? They reject most sites and only accept sites that are technically near perfect and contain high quality information, presented through a professionally designed interface that is easy to navigate.How many pages of your website are indexed in Google?
Do you know how to see exactly how many pages that make up your website are listed within Google? You would expect Google to know about your home page, but the more pages within your website that Google knows about, the better. For example a large website promoted by us, has 10,300 pages listed within Google.W3C validation.
W3C is an organization that sets website standards. Do you know if your website passes W3C validation?File names.
The name of a file can be a valuable clue to Google, as to what the file contains. For instance if you have a picture of a motor car and the picture file is called 0001.JPG this does not tell Google anything. On the other hand if the file was called CARS-FOR-SALE-IN-PERTH.JPG, then this can help considerably with your website SEO. The same principle applies to the naming of all files and folders within your website.PDF file size Issues.
If you use PDF files, there are many ways of reducing the size of the final PDF file. The larger the file size the slower the PDF file will load on the screen or download to a hard disk.Do all the major search engines know about your website?
Remember that apart from Google there are a few other search engines that your website should be listed in, such as Yahoo, Bing and Ask.Flash file sizes.
The larger the size of your flash file, the longer it will take to load. Many sites use flash banners that have enormous file sizes. This can be very frustrating for your visitors.Google Places page.
This is a fantastic way of getting your website listed in the local service or products section within the Google results. The majority of websites do not use this feature at all and many of those that do use it do not take full advantage of the SEO opportunities afforded by the Google Places feature.Flash or graphical intro pages.
How often have you visited a website to be greeted by a meter that tells you a flash introduction screen is loading, which often seem to take forever to load and once they do load actually display little relevant information. If you are lucky you can click on a ‘skip intro’ button. Do not use intro pages as they just annoy website visitors and can harm your website SEO.Text used within links (anchor text).
The correct use of keyword text within a hyperlink can play a significant part in your on-page keyword SEO strategy. In many cases this SEO opportunity is wasted when the hyperlink contains words such as ‘click here’.Home page file size.
Do you know the combined file size of your home page? By combined, I mean not just the HTML page itself, but all the associated graphic, CSS and flash files. The longer a page takes to load, the more likely a visitor will click on the Back button and visit a different website.Java issues.
If a visitor to your website has disabled Java in their local browser, how will this affect your website? Will the menu systems still work? If you must use Java, at least have an alternate menus system that visitors can use. Search engines may have difficulty following some types of Java based menu systems.Do not use hidden text to try and trick the search engines.
Everyone knows that having keywords on your web page is important as far as SEO is concerned. A very old trick is to have lists of your keywords repeated over and over at the bottom of the page, formatted to display in white text on a white background. Google hates this type of spamming and is on the lookout for it. Far from improving your website’s position with the Google Search Engines results, you could find that your website gets severely penalized by Google. Do not try spamming Google, they will find out!