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A lot of people get job offers after they finish their business school. It depends on the person and which offer they really want to follow and make most of based on their self-confidence and abilities. Some people only get job offers from start-up businesses. It is up to them whether they accept the opportunity or look for another job themselves. If they accept the startup businesses offer, they will need to consider a few things. They need to think about the job responsibilities, the best entry points etc. They might also need to consider the fact that how much potential a company has for success and is it the right fit for them or not.

 

There are a number of benefits for those who work with start-up business entrepreneurs after they finish school. They learn different and challenging things that they might not learn by joining any successful company or any big establishment. For example, they will learn how to raise money, how to find initial customers and deal with them. How to solve their customer’s problems, are they valid or not? They will also learn about building a team or hiring employees, and most importantly what it takes to be a part of a start-up business and how to turn it into a successful business in the future. As life is all about learning, it is a good and mature step to join the offer of start-up businesses or to apply for one. By working with a startup business an individual will get the experience and will learn accordingly.

 

Joining a startup business is an easy task to do. All a person needs to do is to take a leap. As compared to established and successful organizations, a lot of startups can be difficult to figure out. A lot of startups do not have proper plans or any kind of ranking in order to achieve success. The startup businesses need experienced and trained managers to develop and form different departments in their new organization. Good managers can run the departments effectively such as marketing, sales, IT development etc.

 

Startup businesses have more chances of mistakes and experiments which is one of the best things about joining one. By joining a startup business, a person has a wonderful chance to learn and grow and implement new things. An employee needs to have a creative and observing approach regarding everything. An individual will excel if they will come up with new ideas to implement whether it be in the sales department, marketing or information technology. To excel, a person needs to have good observation too. In this way, he or she will be able to grasp things quickly and make them work effectively.

 

An individual should have three main things in order to work with a startup business:

 

Thinking like the Owner

While joining a startup company, people expect their employees to invest emotionally and to build a good mutual understanding. A person is expected to work towards the mission just as the business owner does. It should be as important to the person as it is to the businessman. These are leadership qualities which makes a person a good businessman or leader. While working with a startup a person’s first priority should be the benefit of the company.

 

Pushing Past the Limits

Pushing past the limits means to come up with new ideas that take less time to implement and have better results than others. A human brain is the best and most challenging thing in the world. Everyone who uses their brain effectively and with complete focus comes up with ideas that are unique. For example, Albert Einstein, Thomas Edison etc.

 

Managing Difficult Situations

Startups have a minimum capacity or range to make mistakes. Some mistakes or implementations of ideas can lead to difficult situations. What really matters is how a person deals with the difficult situations or manages after the mistake. It is okay to make mistake but a person should always try to get it right.

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

In the fast-paced world of business, the adage “a chain is only as strong as its weakest link” rings truer than ever. Every organization thrives on the collective strength of its team, which means that nurturing the best talents and fostering a collaborative environment is crucial. Understanding how different groups function in the workplace can make all the difference. In this article, we will be discussing, specifically, millennials. By investing in team-building and understanding these generational dynamics, companies not only shore up their weakest links but also create a robust, motivated workforce ready to tackle challenges head-on. After all, when each individual is empowered, the entire organization flourishes!

Who are Millennials?

Millennials are people born between 1980 and 2000. They developed their working ethics and traits from caring parents, disciplined lives, and relationships with multiple people.

What is Important to Millennials?

Millennials love the idea of working with teams and are better at making friends with colleagues. Millennials are better performers when it comes to working with various coworkers. The reason behind such personality traits is present in their growth period because, at that time, growing up with different children was the trend.

People of the 1980s to 2000 generation exhibit a ” can-do ” attitude toward assigned tasks and are eager to receive comments about their performance either weekly or monthly. Millennials are always eager to be assigned different tasks and assume that they will be able to complete every single one. Positive and optimistic about their goals, millennials have the aptitude to accomplish everything.

Common Traits of Millennials

Millennials are driven to become leaders and get educated about different aspects from their experienced and executive colleagues. Still, all of this is possible when their ideas and plans are being encouraged. Millennials face challenges in love and reject the notion of boredom. With their ability to manage diverse activities—ranging from friendships to team commitments and humanitarian work—they actively seek to balance their demanding schedules while prioritizing their enjoyment of life beyond work.

Millennials want to know where their career is leading them and how they can get there. They are always up for a challenge and want a real challenge to stay motivated.

What Makes Millennials Weak?

As computer experts, millennials are interlinked across the globe through instant messages, email, text messages, or the internet. When it comes to getting a new job, millennials have business contacts and friends who can help them out with a single tap. Knowing all of this before managing millennials is an important job.

Tips for Management of Millennials

Give structured and clear reports with due dates according to their months. Provide jobs with fairly steady working hours. Schedule meetings associated with various activities. Conduct meetings covering all the essentials and minor details. While managing, state all the objectives clearly and make sure that a daily progress status is intact. Millennials don’t like the idea of working in a confined environment; instead, they want a high-paced, motivating environment.

Provide a direction with a guided working procedure to millennials as they tend to look for a leader to follow accordingly and get daily comments on their progress. People in this age group want a clear entrance to the game and want to stay updated about what is actually happening. Design the work environment in such a way that it offers a lot of time for coaching and teaching and staying alert on this issue of hiring millennials. Every millennial deserves and wants to be utilizing their time at their best.

Millennial employees are great when it comes to multi-tasking. They can even go to the peak of never-before multi-tasking. Talking on the phone while handling emails and responding to numerous messages are all part of a day’s work in a millennial’s life. In fact, without many challenges and various tasks, in a week, a millennial might get bored.

As always, when a specific group of people is characterized based on their age, some employees will fit these traits completely, while others might fit only half of the characteristics. On the other hand, there will also be those who wouldn’t fit a single attribute of these personality traits.

A firm that considers all these traits when managing millennials will be able to propel their industry toward success.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

By: Jennifer Brazer

Jennifer is the author of From Cubicle to Cloud and Founder/CEO of Complete Controller, a pioneering financial services firm that helps entrepreneurs break free of traditional constraints and scale their businesses to new heights.

Fact Checked By: Brittany McMillen

12 Essential Remote Business Tools for Success in 2025

I remember launching my first remote business from a tiny Airbnb kitchen table with just a laptop and a half-charged Wi-Fi hotspot. That scrappy beginning taught me a valuable lesson: success in a remote setup doesn’t come from working harder—it comes from working smarter with the right tools.

Since those early days, remote work has become mainstream. Approximately 28% of employees worldwide worked remotely in 2023, up from 20% in 2020. And it’s easy to see why: studies show remote workers are up to 47% more productive than office workers, with 77% reporting increased productivity.

Whether you’re freelancing solo or running a fully distributed team, these 12 remote business tools will sharpen your workflow, keep communication tight, and help you thrive—no matter where you’re logging in from.

Why Remote Business Tools Are Non-Negotiable

Remote work isn’t just a perk—it’s how business happens today. The number of remote jobs has tripled since 2020, with fully remote positions increasing from 10% in Q1 2023 to 15% in Q4 2024.

Without the right tech stack, you’re flying blind. Remote business tools replace everything from watercooler conversations to office brainstorms, sticky notes to physical handshakes.

You need tools that help with:

• Communication (both real-time and asynchronous)
• Project management and scheduling
• Team collaboration and feedback
• Remote system access and data security
• Client interactions and integrations

Let’s break down each category with the best tools that real teams (mine included) use every day to run businesses without borders.

Essential Remote Communication Tools

Zoom – Face-to-face wins trust

When tone matters and body language says more than words, Zoom delivers. With screen sharing, recording, and breakout rooms, it replicates in-person meetings better than anything else.

Why it’s a staple:

• Clear HD video and audio (even with spotty internet)
• Great for team huddles, webinars, and client calls
• Easy calendar integrations with Google or Outlook

Pro tip: Use virtual backgrounds when your living room doubles as your office.

Zoom has revolutionized how we connect virtually, becoming one of the most important remote team communication tools for businesses of all sizes.

Dialpad – Use AI to work smart, not hard

This isn’t your average business phone app. Dialpad uses AI to transcribe calls, deliver sentiment analysis, and integrate with CRMs like Salesforce—meaning fewer follow-ups and more clarity.

What makes it powerful:

• Real-time call transcripts and summaries
• Smart CRM sync that prevents duplicate work
• Voicemail to text (huge time-saver)

Project Management Tools That Keep You on Track

Trello – Drag-and-drop productivity

Trello is like a digital corkboard where you can move tasks as easily as sticky notes. It’s perfect for visual thinkers who need to see workflows at a glance.

Top uses:

• Set up Kanban boards for task stages (To Do → Doing → Done)
• Tag teammates and deadlines directly inside cards
• Use Power-Ups to add calendar views or file attachments

Effective digital project management starts with the right tools, and Trello makes it easy to visualize your entire workflow in one place.

Asana – For when structure is everything

When your team’s juggling dozens of moving pieces, Asana’s format goes deeper. Timelines, dependencies, and templated workflows help you stay organized—even during chaos.

Best features:

• Assign tasks with due dates and dependencies
• Set up dashboards for at-a-glance team progress
• Automate recurring task workflows

Asana has become a standard for digital project management software because it handles complex projects with ease while keeping everyone accountable.

Collaboration Tools Designed for Remote Input

Figma + Figjam – Real-time creative sessions

Figma is the gold standard for collaborative design, and Figjam is its brainstorming companion. Together, they act as a team whiteboard for digital creatives.

Why designers (and non-designers) love it:

• Draw together on wireframes and mockups live
• Drop comments and sticker notes for feedback
• Run remote design sprints inside one browser window

Loom – Feedback without booking a meeting

Want to explain something without hopping on Zoom? Loom lets you record your screen and voice to walk someone through your ideas—on their own time.

Use Loom to:

• Onboard new hires with easy video walk-throughs
• Give design or document feedback without typing paragraphs
• Replace bulky email chains with quick visual context

A Stanford study by economist Nicholas Bloom found that employees working from home two days a week were just as productive and likely to be promoted as their full-time office counterparts. Tools like Loom and Figma help maintain this productivity by enabling seamless collaboration regardless of location.

Remote Access & Security Tools You Can Trust

TeamViewer – When you need hands-on help (From miles away)

Sometimes a teammate just needs to “be on your computer.” TeamViewer lets them do that securely. It’s a must-have for support teams and anyone who needs remote desktop functionality.

Features that save the day:

• Secure login with two-factor authentication
• Easy session logging for compliance
• Cross-platform support (Mac, PC, mobile)

Cloud-based storage solutions – Keep everything safe and sync’d

Stuffing files into local folders won’t cut it when you’re remote. Cloud systems like Google Drive, Dropbox, or OneDrive ensure everyone’s working on the same document, with version control built in.

What it means for you:

• Access files anywhere, even on mobile
• Real-time collaboration on spreadsheets, docs, and presentations
• Backup protection if hardware fails

Implementing secure cloud-based business solutions has become essential as companies shift to remote and hybrid models. These cloud-based business solutions provide both flexibility and security while enabling better collaboration.

Client Management & Automation Tools

Copilot – Your new virtual assistant

Managing a client list can get messy fast. That’s where Copilot comes in. This tool combines contracts, payments, messaging, and task automation—so you’re not babysitting admin work.

How Copilot helps:

• Centralized dashboards for each client
• Automated weekly reports and check-ins
• Seamless integration with Stripe, Gmail, and more

For freelancers especially, finding the right productivity software for freelancers can make the difference between spending hours on admin tasks versus focusing on billable work.

Build Your Virtual Command Center

Running a remote business means building your HQ in the cloud. And like any headquarters, it needs the right floors (project management), doors (communication), windows (collaboration), and locks (security).

Don’t chase every shiny tool. Start with these essentials, test what clicks with your team, and build out from there. With 91% of employees worldwide preferring to work fully or almost completely remotely, having the right tools isn’t just about productivity—it’s about attracting and retaining talent.

You’ve got everything you need to lead from anywhere—and if you’re looking to streamline your business accounting and operations even further, check out the powerful support over at Complete Controller.

FAQ

What are some free tools for remote work?

Try Zoom’s basic plan (40-minute limit on group calls), Trello’s free board system, Slack’s free channels with 10,000 message history, Loom’s basic video messaging with 5-minute recordings, and up to 15GB free storage on Google Drive. These free options provide solid functionality for small teams or solo entrepreneurs getting started with remote work.

How do I keep my data secure when working remotely?

Secure your remote work by using cloud services with strong encryption (like Dropbox Business or Google Workspace), enabling two-factor authentication on all tools, using a VPN when on public networks, setting up clear access controls for team members, and training your team on security best practices like recognizing phishing attempts and using password managers.

What’s the best communication tool for remote teams?

The best communication setup combines multiple tools: Zoom for video meetings requiring face-to-face interaction, Slack for quick daily updates and team chat, and Dialpad or a similar service for client-facing calls with AI transcription. Different communication needs require different tools—no single solution handles everything perfectly.

How can I improve remote team productivity?

Boost remote productivity by setting clear expectations and goals, using project management software like Asana or Trello to track progress, scheduling regular but focused check-ins, encouraging async communication to reduce meeting fatigue, providing the right tools for collaboration, and trusting your team with flexibility while focusing on results rather than hours logged.

What should I do first when transitioning to remote work?

Start your remote transition by selecting core tools—a project management system (Trello/Asana), a primary communication channel (Slack/Teams), video conferencing (Zoom), and cloud storage (Google Drive/Dropbox). Then create clear communication protocols, set expectations about availability and response times, and implement regular check-ins to maintain team connection while allowing for adjustment and feedback.

Sources

• Apollotechnical. (2025). “Surprising Working From Home Productivity Statistics (2025).” https://www.apollotechnical.com/working-from-home-productivity-statistics/
• Complete Controller. “Remote Work Security Post-COVID.” https://www.completecontroller.com/remote-work-security-post-covid/
• Complete Controller. “Efficient Paperless Office Solutions.” https://www.completecontroller.com/efficient-paperless-office-solutions/
• Complete Controller. “Gain Your Freedom with Freelancing.” https://www.completecontroller.com/gain-your-freedom-with-freelancing/
• Hive Blog. (2025). “28 Remote Work Tools & Software for 2025.”
• Nicholas Bloom. (2020). “The Impact of Working from Home on Productivity.” Stanford University.
• Robert Half. (2025, February 19). “Remote Work Statistics and Trends for 2025.” https://www.roberthalf.com/us/en/insights/research/remote-work-statistics-and-trends
• Splashtop. (2025, May 2). “Remote Work Trends: Top 10 Predictions for 2025.” https://www.splashtop.com/blog/remote-work-trends-2025
• StrongDM. (2025). “11 Surprising Statistics on Remote Work for 2025.” https://www.strongdm.com/blog/remote-work-statistics
• Wikipedia. “Zoom Video Communications.” https://en.wikipedia.org/wiki/ZoomVideoCommunications
• Wikipedia. “Asana (software).” https://en.wikipedia.org/wiki/Asana_(software)
• Wikipedia. “Cloud Storage.” https://en.wikipedia.org/wiki/Cloud_storage

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Although the topic of retirement is touched or talked about a lot, many young people do not take it seriously. However, the day will come when they are somehow forced to save for it. The important thing is that if you now have the time, the money and above all you are at an age where you can build your retirement, you must start. Save time and be sure now to lead a quiet life for future retirement.

 

Saving for retirement

Regardless of which generation can be categorized, it is time to change bad financial habits, these three keys will guide you to start saving for retirement.

 

1. You must develop your ability to save

Investment is a very important part of growing our finances, but before that, saving is important. You must go step by step without stepping forward or skipping steps. The beginning of retirement savings is precisely to save. What you need is a source of income that allows you to raise the necessary money. This source comes from your salary. The problem begins when you are out of work, then you must look for the means.

Once you have an income to start your savings, you must have a goal, this savings must be three times the salary you receive. The savings you intend to make is also called a financial cushion, and must be in a savings account.

If you already know what your goal is, now you must have a strategy. How much money will you pay monthly? The recommended is between 10 and 15%. You should organize your budget so that at the end of the year that percentage of your annual salary saved will result.

 

2. Enter the world of investments

The first thing to think about when talking about investments is the stock market, this seems like something very complicated. Entering to invest in the stock market only requires that you are well informed and that you also invest in several sectors.

On the other hand, the stock market is not the only place where you can invest your money, there are a large number of options to invest. Not forgetting that this money that you intend to multiply is intended for retirement. The recommended is something simple like starting with a portfolio of indexed funds, these will replicate your actions and it will be enough.

Regardless of which option to invest you choose, you should look for a long-term growth of your money with which to build your financial cushion.

 

3. Approach professionals

It is good to start our savings and our own financial mattress, but it does not hurt to go with professionals. Many companies offer retirement savings advice, and you can find a plan that fits your needs. But before taking the step, investigate whether they are reputable and reputable companies, and compare options. Not all will adapt to your needs.

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

In the work environment, we usually are met with a multitude of personalities and ways of doing things. The vast majority of you, surely have shared the day’s work with the typical partner who is always thinking about what will be the next, and down the line you will not be able to point them out in a crowd.

Alternatively, you still recognize that partner who provokes conflicts where peace and cordiality existed or that partner who is slower than a turtle when it comes to finishing his work. In this article, you can find a list of 14 types of workers that are usually part of companies.

 

Types of workers and their main weakness

There are many types of employees and each company is a different world, where many personalities coexist.

Below you can find a list of 14 types of workers with whom you have probably shared your workday at some time. How does each one behave?

 

1. Toxic

The relationship with co-workers is one of the great motivating sources to go to the place of employment and perform good professional work. Not only that, but different studies have shown that the relationship between workers, in the case of being positive, acts as a buffer to reduce stress or burnout .

 

2. Defeat

At work, just as in life, we can meet people who have different ways of seeing life and different attitudes towards it. Generally, these types of people are the same at work and outside of it. Sometimes we can meet with defeatist people, who have a low perception of self-efficacy in what they do .

 

Self-confidence lowers its impact on the quality and quantity of the work it develops and on the different relationships it has with the different actors that participate in its work world: bosses, colleagues and clients.

 

3. Perfectionist

Another type of worker that we can find and that, as in the previous case, his behavior can have repercussions on the effectiveness and efficiency of his work, is the perfectionist worker. Doing things well is good, because companies want to have efficient and productive workers.

But the perfectionist worker is the one who takes work home and is never happy with what he does, which affects his health and can lead to series of stress and anxiety. Although many think that being a perfectionist is good, these types of people get frustrated quickly because they always see imperfections even when things are going well and often have a bad assessment of themselves.

 

4. Clueless

There are some workers who are not very methodical and can become clueless and forgetful. These workers can cause problems or add more work to other employees because of their incompetence. Generally, it can be a cause of poor organization, lack of motivation or even boredom syndrome at work, which is known as boreout.

 

5. Slow

On the other hand, there may be workers who hinder the work of their colleagues by being slow and not having the tasks completed on time. This can also be a cause of poor organization, lack of motivation or that they do not know how to do their job well. So it can be a mistake in the selection of personnel.

 

6. Gossip

 

The toxic partner tends to have a bad intention and destabilize the work environment. Although without a bad intention, in occasions, we can find ourselves with the gossip worker. He is a type of worker who always goes where he is not called and is more aware of what happens in the personal life of his colleagues than of doing his job correctly.

 

7. Cocky

The cocky worker is a worker who thinks he knows everything and is the best . They tend to be charismatic people who can be good at the beginning, however, they are not very cooperative and do not favor teamwork.

 

8. Opponent

The opponent is a type of employee who always has the opposite. Whatever the reason, you always have something to say, whether relevant or not. The important thing is to say yours. The opponent can be heavy.

 

9. Pesetero

The pesetero is the worker who only looks for the pasta. You can be a good worker for commercial jobs, because money is your great motivation. However, they are very individualistic and are not reliable at all. They can leave at any time without any consideration.

 

10. Quejica

The whiner has a bad predisposition towards work and always complains about everything. He may not be motivated by his work or he simply detests being in that company. Constant complaints are a bad symptom and it is necessary to talk to this type of worker. Possibly this worker’s place is in another company.

 

11. Selfish

The egoist is the typical person who only looks for himself. Companies currently value teamwork for its benefits, so this type of workers often have difficulties to fit into work groups.

 

12. Robot

There are people who are very creative and fit into a certain job; and other people are rather practical and robotic and fit better in a job, for example: in the chain production of a factory.

 

13. Ambitious

Ambition can be good in companies that promote development within the organization. However, the excess of ambition, can negatively affect the performance of work for a certain position. For example, if someone wants to be a short-term director and has to start from the bottom. This can cause him to become discouraged quickly.

 

14. Ball

As written in an article on Pay someone to write my coursework online, the ball is the one that is always hanging around the boss’s area and that is always behind to make compliments and fill his ear with praise. These types of behaviors can have an impact on their relationship with coworkers.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

To manage and repair a credit score is the biggest problem. But it is not quietly hard; you can repair and improve your credit scores by following some effective steps. It will also help boost your credit score and borrow the money you can easily afford. The credit score is also termed a risk score because it allows the lenders to assess the risk so that you cannot repay all the debts. A credit score is the decision-making tool that helps lenders anticipate loan repayment within a time frame.

To improve the credit score that qualifies for better terms and lowers the interest rate. To need a good credit score, it is necessary to borrow money for personal reasons, including a car loan, credit card, home loan, etc. You can also purchase inventories and get the facility for the startup and growth of the business. Repairing a credit score is a major problem for improving professional work. It only depends on matters and the situation. However, if you do not have a good credit score, it is not nearly enough to solve the problem or correct the sudden period.

Here are some critical four steps that repair your credit score.

Review your credit report

You should need to review your credit reports. There are so many credit bureaus required to review your credit report. They can provide you with a copy without any charges once a year. These credit bureaus include Experian, Equifax, and TransUnion. 

There is another way to check and review your credit report by Credit Karma. It is the free services that provide an accurate credit report. Only you have to sign up and make an account on that site. And then, you can easily see your credit score and view all the information contained in your report. Somehow your entries might be the same, but not always. A credit report is rarely identical for several reasons but not the same every time.

Pay your bills on time

Another way to repair your credit scores is to pay your bills on time—moreover, 35% of total credit scores are based on the payment history. The payment history is the ability that shows the payment of bills on time. You will receive a payment notification on time once you have paid your bills. If you receive late payment notification and potential insufficient funds (NFS) fees, insufficient money in your account. Then your credit score will be affected adversely. So, it is considered the payment of your bills on time. You can also pay your bills in advance.

Lower your credit utilization ratio

The credit utilization ratio is considered 30% of your credit score. The credit utilization ratio is one of the most visualized financial terms. It shows the revolving debt and the availability of revolving credit. You can also calculate your total revolving debt by dividing your total available revolving debt. Many lenders borrow less than 30% of the less risky credit. However, a credit utilization ratio of 50% is the lower credit score threshold. Hence, to work with forty-nine percent maximum credit utilization ratios repair the credit score. It is mainly closer to 30% where you can better control your credit score.

Close all your new credit cards

The last step to repair your credit score is to close all your new credit cards. Suppose you have a low credit utilization ratio, then you can quickly improve your credit score. If you have a few credit cards, you can easily get a good credit score. 

In this way, close your all-new credit cards and keep your old cards. If you close your previous cards, you will lose your payment history. You could also increase the limit of credit cards. There are two important mechanisms in this step. The first one is to transfer all your account balances with the highest history, and the second is to avoid the temptation of shopping on credit.

 

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Marijuana or Cannabis, they both are the same thing. However, the question that baffles is, what is Cannabis? The word “cannabis” is of Greek origin, derived from a Scythian or Thracian term. Three plant species make up the cannabis genus. They are Cannabis Sativa, Cannabis Indica, and Cannabis Ruderalis, all originating in the Orient. In the contemporary scenario, Cannabis has emerged as nature’s remarkable gift to humanity. Discovery of this miracle plant, from a medicinal perspective, could be an answer to various kinds of illnesses, ailments, and diseases. A possible solution to umpteen number of unearthed syndromes. The cannabis herb has been witnessed by many observers and travelers growing in reputable cities of Nepal, Pakistan, Turkey, and Israel and many other countries in different continents. This wild thicket herb is found in abundance on the green-belt, road-side pavements and unhabituated plains.

Morphology of Cannabis

Cannabis can be found and grown in all the four seasons, subject to the climatic conditions. On its full growth, the green plant yields flowers. Furthermore, its morphological structure is dioecious, which implies that the herb can either be a male or a female. The leaves of cannabis herbs are usually compounded palmately with serrate and smooth leaflets. When the plant sprouts, the initial pair of leaves usually have one leaflet. With the passage of time, the number of leaflets grows to the tune of about a dozen leaflets or less from one single leaf, conditional to the cultivation surrounding and climatic condition. When the plant reaches its optimal state, a flower can be seen at the top, and then the stemming of leaflets from a single leaf reduces to one. The leaves of cannabis have a unique and distinguished system of venation (veins at the back of the leaf, both small and primary vein. To cut a long story short, it becomes very difficult for a layperson to differentiate between the cannabis plants from other plants. It leads the person in a state of profound confusion. Although the venation pattern on the leaflet can vary marginally from other plants, it is not possible to identify the cannabis plant from other varieties. This confusion can only be eradicated with proper substantiation if the cannabis leaf is viewed under a magnifying glass or a microscope. One needs to examine the venation to leaf minutely. The person needs to authenticate the molecular topology of the cells. However, it would be prudent if the validation is done by a botanist expert with state of the art equipment.

Cannabis falls under the ambit of flowering plants and descends from the family classification of Cannabaceae. It would be an understatement to foretell that Cannabis too has an array of the category. To make life simple, until now only three species of Cannabis have been categorized, which are Sativa, Indica and Ruderalis. One can also stipulate that these three categories can be classified as subspecies of Cannabis. The genus of Sativa is broadly acknowledged as a local and home-grown crop patenting from the region of Central Asia and the northern quadrant of South Asia.

Industrial and Commercial use of Cannabis (Hemp)

To augment further, the miracle plant, also known as hemp, has industrial and commercial utility. Besides its medicinal application, it is used for manufacturing non-drug related items. Besides the cannabis leaf, the stem or the wooden stock of the plant is currently used in the manufacture of fiber because of its cost-beneficial advantages. The cannabis fiber is not so expensive when compared with other conventional synthetic and non-synthetic fibers. All the military personnel in China where the uniform, where the cloth is weaved from cannabis fiber. In many developing countries, ropes, threads, strings, casing material, industrial fiber, computer logic boards, lightweight furniture, substitute for plastic molding compounds (PMCs) and cost-effective items are composed of cannabis fiber. Various solvent and oil extracting firms use cannabis to produce hemp oil. To fortify further, procuring cannabis fiber is also environmental friendly. Disposing of off items, made from cannabis fiber, as wastage material is biodegradable, which implies that even if the industries dispose of the material, there would not be any significant impact on the pollution indices.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

There are many online tools for freelancers that you may not know about at first. When you first try these tools you most certainly will find them indispensable. Here is a list of some wonderful online tools for freelancers that will help make your life easier.

1. LastPass

If you are tired of accumulating passwords in Word or Excel, we present you Lastpass, an online tool that will allow you to agglutinate passwords and access them from any device. There are many passwords that we store in our minds until some day we begin to confuse them all. With LastPass you can keep all passwords safely stored in the cloud. Of course, do not forget the password to access Lastpass.

 

2. About.me

If you do not have a website and you do not have a cover letter, this tool will help you present your professional profile in a simple, very visual and professional way. In addition, few people know this tool so you can distinguish yourself and be great with your customers. About.me allows you to include name, brief description, studies, projects, as well as a biography totally personalized by you.

 

3. WeTransfer

We have all had to skip that email that includes a file that far exceeds the mega established in a Gmail account or any email manager? WeTransfer allows you to instantly upload heavy files of up to 2GB, and share them (including only your recipient’s email address and a message). In addition, it is super-fast so you do not have to wait for hours to transfer them, or upload them to the cloud, nor wait for them to accept a previous confirmation message. Simply, you send the link directly to the other person to download it in a matter of seconds. In addition, you can send as many people as you want in just one shipment, indicating only your emails.

 

4. Hootsuite

If there is something we do, the self-employed, it is manage everything: accounting, billing, social networks, blog, web … alone and using our time, effort and knowledge. The idea is to outsource this service; but if you do not have it and if you have professional profiles open to the public, you must update them constantly so that they have credibility. If you have profiles on Facebook, Twitter, Instagram, Google Plus, etc., there is a tool, Hootsuite that will solve your digital management. You just have to include the post you want to write in each social network and leave them scheduled to be published when you deem appropriate. The idea is to make this weekly schedule on a Sunday evening so you can forget about this management the rest of the week and you can dedicate yourself to your own efforts.

 

5. Genial.ly

If you know Canva, a tool that we talked about in previous post to create infographics in a few minutes, Genial.ly, simply put, you will love.  This tool is suitable for all freelancers who want to make their own presentations, documents, infographics, etc., in a simple and elegant way. It is very easy to use and with it you can even make posters, magazines and resources as they come to mind. You can add your own images, texts and share them on the networks. It’s great, it will surprise you.

 

6. Freepik

All autonomous must have among your digital resources, a bank of images for the presentations that you prepare for your clients or for the posts to your corporate blog. And if this bank is free, it is even better. There are several that provide vectors, illustrations, all totally free images. Perhaps one of the best and we recommend is Freepik. It allows you to incorporate silhouettes, illustrations, and drawings to your presentations, making them more dynamic and fun (if your sector allows it, of course).

 

7. Focus Booster

If you want to promote your productivity to 100% you must have this tool for “applied” self-employed, that is, those who set the objectives of 30 in 30 minutes. You can program your tasks and rest 5 minutes in the period that you mark: productivity in its purest state.

 

8. ClassOnLive

One of the trends in online marketing is to approach our target audience through valuable content. Content marketing is increasingly imposed on our lives, not only in companies, but in people, and of course, in the self-employed. If you know of a specific topic, why not share it with others? To do this, create Webinars in a simple way with a landing page to your session, email reminders, registration forms, and payment platform and become an expert in the field.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

The most uncomfortable situation for a person is to be broke in their life and deal with it. It is really stressful and unpleasant for everyone to even think about it. People who are reading this and aren’t broke should be very grateful. Because there are a lot of people out there who are stressed because of the same reason. For some people, it is a permanent state of living and for some, it is just a short period of hardship which they are aware of. Being broke is definitely very stressful which can cause anxiety as well. People who are broke end up taking a lot of debt not thinking about how they are going to pay it back. It is not a good thing to be constantly worrying about the bank balance, savings or job. For some, it could mean worrying about their next meal or the next meal of their family as well.

There are always a few lifestyle adjustments a person can make in order to achieve a completely different kind of lifestyle and living standard. It doesn’t need to be uncomfortable. For a person who is broke, it means to have fewer facilities available to live life. This is certainly an uncomfortable thought but there is nothing else that could be done. Once someone starts doing this, it will then become a habit for them.

Here we have a few things that a person should not do when they are broke:

1. Quit Smoking

A person who is stressful will always light up cigarettes to temporarily relieve themselves. Quitting smoking is a very considerate step as it is also not good for health. If a person is broke, they definitely can’t afford to go to the hospital. And apart from the health factor that it will cause a person cancer, it is expensive to keep up with it. It ruins complete budgeting of people as well.

2. Leave the Gym

A healthy lifestyle should be the priority but worrying about paying the monthly gym fee is a little too much in an already stressful life. Leaving the gym does not mean leaving workout. As mentioned above healthy lifestyle should be the priority with having a gym membership or without having it. Fitness is not just physical fitness. It’s a lifestyle and a complete mindset. If a person is habitual of working out they can work out without gym as well with a little bit more motivation than before.

3. Don’t Waste Time Worrying

If a person is broke they cannot afford to waste their time. It will only make an individual anxious about his or her future and this will cause more overthinking. Instead, a person can find any freelance opportunity or work to do. Freelancers are getting recognition day by day. If they have a certain skill, for example, content writing or graphic designing or the art of tattoo, they can earn a lot of money from these skills. Everyone needs to have faith and confidence in themselves in order to achieve.  And if someone does not have any skill, they can learn something of their own choice and start earning through it. It also includes fitness training. For example, if a person has been in gym for years and is now worrying about the gym fee or membership, they can give fitness training classes in any park and earn some cash. There are a million ways to spend time in a healthy way instead of worrying about things in life.

4. Don’t Spend On Unnecessary Entertaining Stuff

A lot of people spend have their salaries in entertainment. There are different kinds of entertainment nowadays that some of them are very unhealthy for people. People who keep spending time on unnecessary entertaining stuff, for example, going out for movies or going on vacations are wasting their energy, time and money. After doing all this stuff there is no point of worrying about it at it was their own fault in the first place.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.

At a time when images, photographs and videos are the protagonists of the web, it is important to make use of the best of each tool to grow your business.

Although many companies have made elaborate efforts to publicize their brand on the internet and social networks, well-planned strategies are needed to make this a success. Not only is it important to reach the audience, but to connect with it. This does not mean that you need expensive strategies, but to make use of all the available tools to get the most benefit.

 

How to do it?

Develop the personality of your brand. Investing a little time in developing a personality, language, style and tone to your brand is what will differentiate you from others, and video can be the ideal means to make it known.

Video marketing is growing by leaps and bounds with good reasons. According to a study by Vidyard, more than 70% of marketers claim that video executions have a higher conversion rate than other types of content. Here we share 3 tips that will make your startup benefit from video advertising:

 

1. Show your Brand Personality

To get the most benefit from the video, you need to know how to use it. The easiest way to achieve success is to make a personal connection with the camera. Impersonal images of beautiful landscapes or assembly lines are not going to catch the viewer’s attention in the same way a person would speak directly to the camera.

If you don’t have the production skills or resources to create a great video, don’t worry, you don’t need more than a few seconds to catch a viewer’s attention and show him what your company is about.

 

2. Give Personality to your Product or Service

You don’t like going on camera? You do not necessarily need to be yourself or a representative in the picture, make your product or service the protagonist of the story.  Make use of music, shots and editing to give personality to what you are making known. Another good option is to make use of the animation through which you can give life to a product and let it be the one who tells the viewer what they should know.

 

3. Use the Tools at your Fingertips

The video might seem expensive and out of reach for certain startups or SMEs, but in reality it can be an inexpensive and very effective tool. Today, if you have a smartphone, you can make an excellent marketing video. You don’t need it to extend beyond a few seconds or a minute, as long as the points that make your company unique stand out.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing services to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud-hosted desktop where their entire team and tax accountant may access the QuickBooks file, critical financial documents and back office tools in an efficient and secure environment. Complete Controller’s team of US based accounting professionals are certified QuickBooks™️ ProAdvisor’s providing bookkeeping, record storage, performance reporting and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay services. With flat rate service plans, Complete Controller is the most cost effective expert accounting solution for business, family office, trusts, and households of any size or complexity.