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6 Reasons Why You Need a Financial Advisor

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Whether you’re confident about managing investments or new in the field of finance, financial advisors can provide valuable insight to help you avoid mistakes.

Financial planning is more than just developing strategies to meet your monetary goal. Financially savvy professionals can provide you with advice and guidance to help optimize your investments. These professionals can offer expertise in complex, evolving financial systems that you may not be familiar with.

Moreover, working with a financial planner can help you plan for your future. A dedicated professional will help you to plan for your retirement and insurance needs, as well as invest by helping you to save time and money. By outsourcing these tasks to someone expert, you can focus on other areas of your life.

Here are the top 6 reasons to consider hiring a financial advisor.

1. Open Your Investment Account

The correct type of investment account will integrate your money-saving goal, and investment strategy as well as boost accountability.

You need a professional to make investment decisions that you wouldn’t be able to make on your own. They can offer investments and strategies not open to you as an individual. Once you find the right financial broker, it’ll be worth it for access to better diversification and a very expert approach.

2.Tax Benefits

When talking about investing, it’s not only how much you earn that matters, but also it’s how much you save after taxes. Making tax efficiency a part of your investing plan can help reduce your tax bill.

To save the most taxes when investing, you should find a financial advisor who has a background in accounting. This will guide you through complicated tax strategies, making sure you don’t withdraw money from the wrong account and help avoid penalties. So, having a financial advisor with expertise in tax savings will be a good fortune.

3. Financial Coordination

A major issue with individual investors is they often lose money due to the lack of coordination between tax, estate and investment planning. On the other hand, a professional advisor has the education required to navigate the complexities of tax and take correct financial decisions.

In other words, they are able to make sure you’re not paying more than needed on your investments. Otherwise, not coordinating can result in serious money being lost through the cracks.

Additionally, a financial planner can help provide a legally binding plan to protect your assets and your family. Such plans will take care of your family if something goes wrong with you.

4. Estate Planning

It’s important to transfer wealth assets to family members with the help of a financial professional assist. Otherwise hidden and costly fees might make the process hard.

Along with this, the conversation with all family members about life goals, retirement planning and most importantly transfer of wealth assets will help them avoid complications and financial frustration.

Estate planning can be a difficult task to handle and many people become emotionally overwhelmed. You need to find someone who will work with you and your loved ones to make sure your assets are distributed efficiently while reducing stress and clash.

5. Secure Your Home

A home mortgage is hard. They require a lot of money and this can be hard to afford after the credit crunch, with lenders requesting more stringent requirements. Additionally, buying a home is often one of the most expensive things people do in their lives.

Thankfully, a financial advisor can save you many thousands of dollars through interest rates and help you get the best mortgage available. They can also help search for mortgage lenders that would be difficult to access without their assistance.

6. Stay Secure in Market Fluctuations

Market fluctuations mean that it is difficult to predict the market and it is never a good idea to invest only when it is up. A well-skilled financial advisor can help you assess your investments and find ways of growing your money in other ways. They are trained in various risk management initiatives that can guide you through market fluctuations.

Therefore, choosing the right finance expert is essential for achieving a long-term financial goal. They keep you on track and prevent you from making abrupt decisions without thinking about the results. So, hiring a qualified professional with finance knowledge is the smartest decision to manage money.

Best Linkedin Competitors & Alternatives 2022

Linkedin is one of the famous employment and business-oriented website operating worldwide. Founded in 2003, the platform has more than 830 million users in 200 countries and territories. 

Using Linkedin, businessmen, freelancers, and job seekers can make connections and search for possible clients. Apart from that, Linkedin also offers Linkedin Learning features, using which users can enhance their creative, business, and technological skills by watching on-demand instructional videos.

There’s no doubt that Linkedin has made its mark on the internet; however, it is not free from flaws. As the number of active users is a lot, you may not always get a personalized feed based on your choices.

Moreover, there are instances where people try to sell their products or services by using the direct message (DM) feature of the platform.

So, if you are looking for some other talent solutions platform other than Linkedin, then here we have curated a list of top Linkedin competitors.

Top 10 Best Linkedin Competitors   

Linkedin competitors? It can be difficult to visualize another platform that matches the league of Linkedin. Here, we share with you a list of the top 10 Linkedin competitors of 2022.

1. Xing

A professional-oriented social network that allows business professionals to connect is Xing. Users can share news, seek employment and connect and interact with numerous people on the platform. Headquartered in Hamburg, Xing was founded in 2003 and is primarily prevalent in German-speaking countries when compared to LinkedIn. While Xing has 13 million users, LinkedIn has 11 million.

Last year, Thomas Vollmoeller, CEO of Xing, announced a net profit of 15.4 million Euros. It is among the biggest networks in Germany, together with LinkedIn. With currently a net worth of $15 million, Xing has 20 million monthly visits and is the best LinkedIn talent solution and competitor.

2.  Facebook Groups

The most popular LinkedIn alternative is Facebook. Based in Menlo Park, California, Facebook was founded in 2004. It is a famous social networking platform with over 2.91 billion active monthly users. Though many most think it’s a personal social networking site, it actually is home to thousands of freelancers, working professionals, and digital marketing agencies who often connect with one another to grow individually or as a group.  

3. Indeed

Indeed is basically an online portal that helps establish connections between employers and employees. Founded in November of 2004, it is headquartered in Austin, Texas, and is yet another LinkedIn alternative.

Indeed began as a job listing board but has eventually gotten more features added. In 2019, it was the most visited job site in the USA, with monthly visits up to 250 million. Now it earns its revenue through Pay-Per-Click and advertising. So, every time a job seeker clicks and views a particular listing, the employer pays a small amount for it.

4. Bark

Bark was founded in London in the year 2014. If you are someone who’s looking for professional assistance, Bark is for you. With this leading website of millions of users, the users embark on a new journey in life. Unlike LinkedIn, Bark can assist you even with Garden and home services, business and wedding services. The main job this site does is that it connects professional job seekers with job providers.

5. The Opportunity Network

The Opportunity Network (ON) is basically used by private investors and CEOs to grow their businesses worldwide. Brian Pallas, the current CEO, founded ON in 2014, a London-based company. Available in 130 countries, it is another LinkedIn alternative and has over 28 thousand CEOs on the platform who are seeking employees.

The interface uses algorithms that sort listing according to the skill sets, types of industries and location of the candidates. However, the primary three industries are Business development, the Internet and Financial Services. In the year 2020, ON’s total transaction was around $280 billion and it had offices in Barcelona and New York as well.  

6. Slack

Another centralized collaborative hub is Slack which brings people, professionals, tools, and the latest information to the users to help them do their job perfectly. It focuses on establishing a virtual workspace where employees and businesses can collaboratively complete tasks. Slack could practically be a great online networking platform choice.

7. Career Builder

Career Builder was founded by Robert J. McGovern in 1995 and is headquartered in Chicago, Illinois. The current CEO is Irina Novoselsky. It was created to connect potential employers with job seekers, share important information, and allow people to interact with one another.

However, CareerBuilder was acquired by the Apollo Group in the year 2017. The services are now available in 185 countries and earn annual visitors around 200 million with revenue of around $17 million.

8. Reddit

Anybody who has spent some time on the web definitely knows about Reddit as an alternative to LinkedIn. Founded in 2005, Reddit is among the most popular websites besides LinkedIn and is equally praised by many. It stands seventh in the list of most popular networking sites in the USA. It is a forum where you can talk about most of anything from technology to literature to pop culture gossip and much more.

9. Jobcase

Jobcase is a social networking platform that was first introduced in 2015. It basically works in the service industry and provides employment opportunities to numerous job seekers. This Platform empowers the modern workspace for job seekers and providers to bring out the utmost from every workpiece. Its machine-learning algorithm helps serve those who are otherwise overlooked mainly by all the traditional job sites.

10. Hired

Allan Grant, Matt Mickiewicz, and Douglas Feirstein collaboratively founded Hired Inc. on 1st May 2012. As soon as it came into the market, LinkedIn faced tough competition from it in the marketplace and recruiting industry.

This San Francisco, California-based company, through its back-end algorithms, can filter information of the job seekers and connect them to the appropriate employers very efficiently. The users can register themselves and create profiles that are attractive enough to get them good connections and even employment. While the job seekers get to choose among the best, the employing companies are given the best employee options too. There are around 10 thousand companies on this platform that earn annual revenue of $50 to $100 million.

Final Words

Now, Linkedin is a common name for all professionals. Not only can you search for jobs on this platform, but also you can successfully create your brand. 

However, Linkedin is not free from criticism as users often face problems because of the platform’s interface and experience. Most importantly, some of the networking sites mentioned in this article provide more opportunities and features than Linkedin.

So, there’s no reason why you should not try Linkedin alternatives.

How to Find The Owner of A Business – Smart Techniques

Do you ever try to know the name of a business owner? There can be different purposes to look after for a particular business owner. 

Businesses in the B2B setup need some contact research to create leads in the marketing field. Business owners usually communicate with each other for the collaboration of projects or partnerships to open up various opportunities.

For example, you may offer a business owner one of your services which is already proven to increase the productivity of a business. It can also be more important matters like potential litigation for some people.  

However, getting a name behind the business can open up various opportunities if you’re determined. Hence,  If you want to meet a business owner of another company, we’ve explained how you can do it in this article.

How to Find The Owner of A Business

Make A Call

One of the best and easiest solutions to know any business owner’s name is making a call. You can search for the business owner’s number in any phone directory, local or online. 

Remember, as you are making a sudden call, the chances are that the owner’s assistant will pick up the call. It is your task to talk nice and gather the information you are looking for.

Check Company’s Website 

You can check if the company owner’s name you’re searching for has any online website. Most of today’s business has their own website and social media accounts. Go to the website and look for the “About Us” and “Contact Us” sections to find useful information about the business.

In case you don’t find this information on the company’s website, perform a Google search for the specific company’s name. Also, you can find this information on the Linkedin profile of a company.

Dig Through Social Media Platforms

Sometimes business owners use their social media accounts to interact with their customers and other clients. You can take advantage of these social sites to search for the contact details of a specific business owner. Additionally, search engines like Google, Firefox can show the list of complete contact information of your preferred company.  

On Facebook, you can find that many customers post reviews about that company, and sometimes they tag the owner too. If a standard search doesn’t help you, use the Timeline and Graph search options.  

So, it is always recommended to check out different business social media accounts to find useful information. 

Run a WHOIS Search

If you are unable to find any data about the owner on the company’s website or social media accounts, you can run a WHOIS search. This is because all the domains out there have an owner’s name registered in WHOIS

Start the search simply by opening your browser and searching “whois.” Then, open the site and enter the domain name of the business’s website; all the data will be available on your screen.

However, some domain owners want to stay private and pay other third-party apps to hide their information. So, in case you see that the domain owner’s name is “Domains by Proxy,” this means they have hidden their name. 

Get in Touch With Local Business Licensing or Regulatory Agencies

You can also obtain your desired information about a business owner from the government offices that are in charge of business licenses. In addition, you can use search engines to know the proper authorizing body. Use these queries to start your search:

  • Business licenses city, state/prov
  • Certificate occupancy city, state/prov
  • Licenses inspections city, state/prov
  • Business permits city, state/prov

Note: You need to know the exact city and state of the business to make these queries work properly. 

Search the Better Business Bureau (BBB) Reports

Business organizations register their companies on Better Business Bureau (BBB) to get recognition. It’s a non-profit organization that gathers and distributes business information. So, you can read the Better Business Bureau reports obtaining data about a business or its owner. It might even store information about non-registered companies. But, remember that the primary contact details you’ll get from there may not be the business holder. Also, it might often display older data; that’s why always check the dates of the reports.

Go Through the State Database of Registered Business

You can search the state database to find the registered owner of a company. Every state asks business owners to register their company name to keep a record. You can find them easily on the internet.  

It’s a straightforward procedure. You just need to type the business name and wait for the result. If the company you’re searching for is registered under that state, you’ll get the name and contact information of the owner of that company. Additionally, it’ll provide a list of other states if the company is not registered in that particular state in which you’re searching. You can even find more information via online directories like Hoovers or Dun & Bradstreet. These websites allow you to find businesses in your area that are organized by industry.

Try the Chamber of Commerce

You can check the Chamber of Commerce directory to find the business owner’s name. Normally you can get it on the public part of their website. Hence, just open the website and look for the business profile that includes the name of chamber members and small businesses. Most of the time, the owner is registered as a member. 

Use Private Search

If you have tried all the above-mentioned solutions but still couldn’t find the owner’s name, you can get help from private search companies like Manta and Hoovers.

However, these websites are not free; you have to pay an amount of money to get the answer to your query. Additionally, you need to read the terms and conditions of the website before proceeding.

Final Words

That’s all. These are the methods you can try to find a business owner. Hopefully, one of these methods will help you to reach your destination. Wishing you very good luck with your search! 

Top 10 Yeti Competitors & Alternatives

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Yeti Coolers LLC. is an outdoor manufacturing company based in America. The company was founded by brothers Rayan and Roy Seiders in 2006. The mission of the company was to build products for the need of campers, beach-goers and adventure seekers. 

The Yeti company has its headquarters in Austin, Texas. It manufactures and markets products such as hard and soft coolers, stainless steel drinkware, equipment, and related accessories.

The company went public in 2018 with 790 employees. As of 2021, it hired over 1000 employees and made a profit of $914 million. 

Yeti moved from wholesale to direct-to-customer marketing in 2020, which increased the direct-to-customer sales by 61% and achieved $133 million in Q2 2020. its wholesale channels lost by 24% to around $114 million.

In Q2 2021, the net profit was $358 million defining a 45% increase over Q2 2020.

Yeti produced sales of  $362.6 million revenue in Q3 2021, increased by 23% from $294.6 million at the same period of time Q3 2020.  

Huge sales helped the company to achieve $1 billion revenue in a year for the first time. As a result, the net income for Q3 2021 was increased by 3% to $53.0 million compared to the $51.4 million in the previous year. 

The outstanding performance of Yeti takes the company stays ahead of its competitors. But Yeti has to focus on its sales to hold the current position and protect its market share from other competitors. 

Right here, we’re going to give you a complete analysis of  Yeti’s top competitors and alternatives:

1. Igloo Products Corp.

igloo

Igloo products corp. is an American company that manufactures drink containers, ice-chests and other related accessories. Similar to Yeti, this company has headquarters in Texas.

Founded in 1947, Igloo offers high-quality outdoor products at low prices compared to Yeti.

The medium-hard coolers of Igloo cost around $49.99, whereas the Yeti’s one cost around $199.99. Igloo offers rustproof, UV-protected,ultra-lightweight coolers that can be carried easily.

Igloo has more than 15,000 outlets and over 500 kinds of products. The products’ variety and the budget-friendly cost make Igloo one of the top Yeti competitors.

2. Hydro Flask

Hydro Flask creates and sells insulated steel water bottles for nature and adventure lovers.   Helen of Troy owned the company in 2016 for $210 million and increased the brand’s sales. 

The company is popular on social media for its customized flasks. Generally, young teens or millennials are fond of such hydro-flasks to show their eco-consciousness. 

However, the Yeti S’well water bottles cost around $50 but come with a narrow mouth, making it hard to insert ice cubes. On the other hand, Hydro Flask produces water containers that only cost $30 and look cool.

3. The Coleman Company

Coleman company started its venture in 1900. It produced items for outdoor adventure like camping tents, coolers, sleeping bags etc. According to growjo, the annual revenue of this Chicago-based company is approximately $208.3 million per year.

The company had more than 4000 employees and set its product price cheaper than Yeti to make a stronghold on the outdoor gear business market. For example, the Coleman Xtreme cooler (52 Quart) costs around $50, whereas the Yeti Tundra’s (45 quart) price is almost $300.

Coleman named it coolers “1 day through 7 days” to point out the ice retention period, although the ice in the containers started melting after 96 hours. That’s why unhappy customers can move to Yeti. 

4. RTIC Cooler

RTIC cooler was founded by two brothers in 2015 out of Texas to create rotomolded coolers, same as Yeti. Both Yeti and RTIC both founded to produce and sell the best outdoor-ready products. 

RTIC uses the tagline “Overbuilt but not Overpriced,” which clearly indicates the company’s view to keep the products’ price low. This is the reason it has adopted the “direct-to-consumer” business model.

For example, the 45 quarts RTIC coolers cost $197 to $219, whereas the price of Yeti 45 quarts coolers is $325. All RTC product, such as lunch boxes, drinkware, bags, coolers, is cheaper than Yeti.  

Yeti also has tried adopting the direct-to-consumer model from 2020, which might make a major change in their sales. However, being a new company, RTIC is still making it hard for Yeti.

5. ORCA

ORCA or Outdoor Recreation Company America was founded in 2012. It specially manufactures outdoor accessories such as rotomolded coolers, apparel, drinkware, etc. It offers a lifetime warranty for its completely American-made coolers, which have a wide variety of colors and sizes. 

The ORCA coolers’ price range starts from $199 (20 Quart) to $499 (140 Quart). However, the price of the Yeti coolers is much high, it starts from $399 (21 Quart) and for 150 Quart, the price is $999.

In addition, ORCA has licensing deals with many sports teams like NCAA teams, MLB teams, NFL teams and NHL teams. It also offers limited edition coolers with the logo of these sports teams. 

ORCA reported a final revenue of $50 million in the final year of 2020. The number might sound nothing compared to Yeti holdings. Still, the popularity of ORCA is making Yeti run for making money.

Brentwood, a Tennessee-based MacNeill Pride Group, acquired ORCA in January 2020, which will raise its further competitive advantage. 

6. Pelican Products

Pelican makes outdoor products like coolers, flashlights, travel gear, cases, etc.  Founded in 1976, this California-based company is one of the strong competitors of Yeti.

The Pelican coolers have some “rough and tumble” alternative features that Yeti coolers don’t have. For example, the Pelican manufactured coolers come with fish-rulers, cup-holders and bottle openers to save extra expenses. It also produced some of the best ice coolers like 20QT Elite Cooler, which keeps the ice for 10 days. 

Additionally, the coolers are 30% lighter than other rotomolded coolers because the manufacturer uses a special injection molding technology. Pelican also offers a lifetime warranty on the coolers– everything comes at such a price that is lesser than the Yeti ones.

7. OtterBox

OtterBox is a Colorado-based company mainly popular for manufacturing water, shock and drop-resistant phone cases. However, the outdoor products of OtterBox have the same level of ranking as Yeti.

This company has a revenue of $650 million in the FY2020 with more than 550 employees. 

Otterbox’s Products like Venture 25 have been certified as bear-resistant by the Interagency Grizzly Bear Committee. Some other products like Venture 45 have outperformed the Yeti Tundra 45.

The price, warranty period, and brand reputation of Otterbox have made it one of the top Yeti competitors.

8. Engel Coolers

Engel coolers is a Florida-based company that began its journey in 1962. Both Yeti and Engel coolers manufacture rotomolded, bear-resistant coolers. However, the Engel coolers are more economical than Yeti.

EMS and fire-rescue people mostly prefer Engel coolers as the coolers can hold ice for almost 10days. These coolers are certified as a bear-resistant and share the same position as Yeti Tundra and Yeti Roadie

9. RovR Products

RovR Products is a Colorado-based company that manufactures premium coolers and relevant accessories.

The RovR 60 coolers are capable of holding ice for more than 7days and in mild-climate areas, the cooler can retain ice for 10+ days.

RovR introduced two new coolers (KeepR & IceR) in 2020 with more added flexible features.

The product price is almost as similar as Yeti, but the sturdy material with the feature of easy bike attaching makes RovR a tough Yeti competitor.

10. Bison Coolers

Bison is a small company owned by a father-son duo with a revenue of $15.7 million. However, the company is growing itself as a strong brand in the outdoor gear industry.  

The company manufactures and retails drinkware, soft and hard coolers and other outdoor accessories. All the products of Bison Coolers are made in America, and it produces items based on consumers’ preferences.

The Bison Gen-2 Cooler has the same ranking as the RovR RollR 60. In addition, the coolers of the Bison company are sturdy enough to sit or stand during any fishing adventure.

Is Computer Software Prepackaged Software A Good Career Path? Let Us Help You to Choose

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Do you aspire to become a software developer or software engineer? Are you fond of coding? Do you often wonder is computer software prepackaged software a good career path?

To be precise, the salary structure of the software engineers or developers is good. Most importantly, the requirement to hire more software engineers is increasing day-by-day as apart from large corporate companies, many small IT companies are also making good progress.

So, there can be many opportunities for you in the computer software industry where you can earn good and get job satisfaction as well. 

All of your queries on career opportunities on prepackaged software will be answered in detail in this article. So, let’s get into the topic.

What Is Prepackaged Software?

Prepackaged software is an application program that gets developed to be sold to the general audience. It contains a set of programs that have similar features and functions. 

You can either purchase the software individually or can purchase it in a bundle to save some cost.

Getting into the sector of prepackaged software means you will be involved in manufacturing, designing and developing the software.

Is Computer Software Prepackaged Software A Good Career Path?

A career in Computer software prepackaged software can be extremely fascinating and interesting. It’s a promising career option for people who love coding and have strong technical knowledge. 

The salary structure and project environment of this job are also quite attractive, and you can earn a huge amount of money as a computer programmer if you’re good at math.

The job role includes designing apps, software analyzing, testing, constructing as per the clients’ demand. Moreover, you don’t need to always work for a company. Instead, you can work as a freelancer to explore various ways of your job role. 

What Do Software Developers Do?

Here’s what generally software developers do:

  • Understand the users’ needs and develop software to fulfill those demands.
  • Designing all the components of an application and planning how the elements will work together.
  • Contact already existing clients to recommend software upgrades for better optimization.
  • Making sure the programs are running fine and that’s why software developers have to do software testing and maintenance on a regular basis.
  • Documenting every feature and aspect of software for future reference.

Best Paying Jobs in Computer Software Prepackaged Software

If you are someone who loves working in a diverse environment, you can choose a software development company as your career. You become acquainted with connecting more people in the workplace while enabling self-confidence to beat any difficulty. Therefore if you are looking for an article that can provide you with an overview of jobs in the field of computer software with the benefit of a satisfactory salary, this article is for you.

1. Software Engineer

If you are a graduate or if you hold a bachelor’s degree in Computer Science or any related field, you can apply to companies for the role of a software engineer. Generally, candidates holding a master’s degree along with experience of a few years get the first preference from the companies. In order to get selected as a software engineer, one ought to know a database application, technologies, and integration middleware. Moreover, he should also know about the working procedures of working within an IT sector and about the ways in which he can develop team performance.

2. Machine Learning Engineer

You can choose a career by becoming a machine learning engineer while getting rewarded with a good salary. If you want to make your career as a machine learning engineer, all you need is to have excellent knowledge about how to team up with scientists, the process of implementation of brand new Alexa initiatives, and such services. This will be beneficial for you if you are messing up amongst choices as this sector is growing rapidly and tend to secure a good place for future requirements.

3. Support Engineer

In order to work as a support engineer in a company, one must possess a bachelor’s degree in computer science or any kind of field along with a few years of experience. He should have experience in ticket management, analyzing core causes, identifying application logs, and so on. If you choose a career as a support engineer, you will have one of the best-paying jobs in the field of computer software prepackaged software.

4. Quality Assurance Engineer

If you are a person with strong communication and verbal abilities and have knowledge on how to develop effectiveness, test procedure, and coverage, working as a quality assurance engineer is the best choice for you. In order to qualify for this post, you ought to have a bachelor’s degree in computer science or any related field.

5. Computer Vision Engineer

The job of computer vision engineer is also amongst the best-paying jobs in this field. If you think that you are a responsible, flexible, and adaptive type of person who can manage any circumstance to carry on working, you will be regarded as one of the most crucial members of the team. The security of consumer information along with Amazon’s intellectual property is the core duty of this software team. Additionally, if you have detailed knowledge of machine learning algorithms, you make your place one step forward in the selection process.

Conclusion

Computer Software Prepackaged Software is indeed a preferable path in choosing career options. All you need to do is to research and find the best paying jobs in this field with which you can uplift your life in a further prosperous way.