Author Archives: Endre Fredriksen

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Your Personal Boom Bust Cycle – Part 1

In the economy at large, we go through periods of expansion and contraction. This is a known and natural part of Economics 101. Few like it when the economy contracts and turns down, we all have to live in the cycle of boom-and-bust. We would love to have an economy that grew at the same rate, year in and year out, yet that is not reality. Our economic system is vast and dynamic, with many moving pieces that lead the to the boom-and-bust cycles that occur. Yet when we look over time we can see an overall economic expansion.

So if we apply this same concept to our personal finances, what do we make of it? Through meeting with a number of different professions, I have discovered that people within their own family have boom-and-bust cycles of their own. These cycles do not necessarily correlate with the broader macro-economic patterns, but they seem to have a similar psychological effect—perhaps an even more profound impact because the individual experiences it personally.

For the point of this blog let’s assume that people earn money in one of two ways. 1) Regular Basis (same amount): typically these are hourly employees and salaried non-bonus employees. 2) Variable Income: where much of their income is tied directly to what they produce. They can be entrepreneurs, sales professionals, contract based employees. These folks do not get a regular paycheck every two weeks or once a month. Rather they get paid based on a contracted basis.

So what does this do for families that receive variable incomes? They live with a higher degree of variability in their earnings. That level of uncertainty creates practical challenges like managing cash flow to pay bills, and also psychological challenges as their income and ability to pay bills are directly contingent on producing.

As you look at your own family economics

1. How does income flow through your home now, does it come in a steady stream, mild waves up and down, or in big waves with potentially big breaks in between?

2. How did the family you grew up in earn their living—was it a steady paycheck or uneven cash flow?

3. What was the perceived ability of your family to create, sustain, maintain, or grow financial security?

4. What was the variance in your families’ income?

5. Where there big swings week-to-week, month-to-month, year-to-year?

6. Did your families’ income remain relatively flat, grow as you grew, or decline?

7. Where there interruptions to income producing ability—perhaps a significant career shift, disability or death?

8. What emotions come to you as you reflect on these questions?


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How A Loan Broker Can Help With Financing Concerns

Category : Tips

Companies understand the difficulty of being required to meet deadlines on a regular basis. From marketing to cost management, they have to juggle everything in order for the operations of the company to go efficiently. With a tremendous array of to do list, entrepreneurs resource to getting help from the specialists. One of the options that they have is employing an SME loan broker. A certified SME loan broker can immediately ease the challenges of business owners. How? Check the paragraphs below for more information.

To help make best use of resources
With the amount of work that company owners are getting on a daily basis, they sometimes forget about resources that can make a huge difference on their business. This is when a reliable SME loan broker can help. A SME loan broker has a good comprehension of the uniqueness of having a small business and how to increase the business’ resources.

To pay based on the approval quantum
To guarantee that you are getting what you paid for, you will find SME loan brokers that charge services depending on the approval quantum. Which means that in case the loan agents fail to obtain financing for the client, there will be no costs.

To get a fresh new perspective
There are times when business owners themselves can not see the troubles in their own business and they require a fresh pair of eyes to provide them solutions. SME loan brokers are trained to analyze business data and also to develop strategies. That’s why many business owners rely on their experience to solve their unique issues.

Remember that one of the best methods to ensure a business’ achievement is if the people creating the business have focus to detail. And this will not be feasible if the company owner has overpowering amount of work load every day. In case you think it’s time for you to hire a certified SME loan broker, trust only Capitalize. Count on them for high quality solutions that are the best!

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Most Effective Ways to Improve Your Concentration

Category : Basic Necessities

“Focus, focus, focus!” yelled almost student while banging his head with a textbook. The mind wanders around and you have trouble focusing on anything for more than a couple of minutes. You have countless unfinished projects lying around somewhere, a bunch of ideas you think about executing, and a bunch of regrets about where you are in your life. Dear You, this looks like a usual case of lack of concentration.

Luckily, there are ways to improve concentration and we have compiled a few tips that can help boost your short- or long-term improvements.

Short-Term Concentration Boost

– Make some simple 3×5 cards, divide them into 3 sections (morning, afternoon, and night), and make a little check mark each time you catch your mind wandering. This will raise your awareness of each time you lose your concentration, and that same awareness will help you boost it. This can also show you which parts of the day are your most vulnerable times and what to do in order to improve concentration.

– Improve the oxygen flow to your brain. Because of gravity, blood gets pooled in the body’s lower half, not pushing enough oxygen to the brain. Thus, get up and walk around a bit every now and then improve your blood circulation and help oxygenate your brain.

– The concentration levels go down if you don’t take breaks every half an hour. Your brain loses its processing power if you try concentrating for hours at a time. Take power naps or breaks in order to reboot and use the maximum potential of your mental capacities.

Never work from your bed. The desk is where you should concentrate on your work, while the bed is where you sleep. These associations are made by our minds subconsciously. When you try to work on your bed, you’re actually sending “sleep” cues to your mind, and that makes you counterproductive.

– Whenever you feel that your concentration is drifting away, remember the five-more rule – whatever you’re doing, do five more. Quite simple, isn’t it? Look and find that extra energy within you to do five more.


Long-Term Concentration Fixes

– If you don’t have it, you concentration dissipates, so you’d better make a plan. Sitting down to work on something without a plan usually ends with Internet browsing, instant messaging, and constant email checks. Time is wasted if there’s no purpose. Instead, make a clear plan in which you will allocate enough time for work, sleep and entertainment.

– If you continue working in the same place, it can drive you crazy. However, the problem can be solved by taking constant breaks and mixing up the environment. It will make you more interested in your work or study subject, and make you more active.

– It is important to avoid overeating, and develop a balanced and controlled diet. Otherwise, overeating can make you feel sleepy and uncomfortable due to the huge load of digestion. Eat light and healthy in order to reap maximum benefits from your concentration efforts.

– You can’t expect someone to have Mr. Olympia muscles without doing some strength training. It’s the same thing with your concentration – practice makes perfect. The more you exercise it, the better and stronger it becomes. You can aid the process by using supplements like the Lucid smart pill to add up to your mental agility and get you into the track faster.

– Some places, like private rooms, study lounges and school libraries, are better for concentration than others. Thus, you should think about and choose your own place for concentration. If you really want to concentrate on your work, stay away from other people and choose a place with the least or no distractions.

Concentration can be improved also by avoiding oversleeping and lacking in sleep. You should always take some rest, but at the right time and in right amounts. This can calm your mind, which is required for better concentration, as well as the practice of meditation and regular exercise. If we are stressed, disrupted, weak, and unhealthy, it would be more difficult to stay concentrated over a longer period of time.


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Why your Business Should Hire an Internet Marketing Company

Category : Marketing

An internet marketing company is a team of skilled digital marketers who can help you develop an online presence that will boost your business. A lot of businesses are jumping on board with these companies, but you might be a little indecisive. Surely you can just do it yourself? It doesn’t take a genius to create a website, right? The work of internet marketing companies actually goes far beyond this and the work they do is pretty complex. Here’s why you should hire their services to help your business.

A New Perspective

If you already have a website and online content, but it just doesn’t seem to be bringing in much traffic or getting you higher in the search results, a fresh look could be needed. When you’ve designed it, it’s much harder to see the flaws. An internet marketing company can take a look at what you already have and build up a strategy of how you’ll improve it and what you need to change and add. They’ll then do all this for you so you get the online presence your business needs.

Skilled Craftsmen

Of course, you can go DIY and create your own website and content, but if you don’t really know what you’re doing it’s going to show. A digital marketing company will have a team of talented designers, coders and writers behind them who will all be specialised in what they’re doing. This will mean you’ll get a far more professional looking website and your content will be well written, meaning that any potential customers who come across your site will take you much more seriously. A good-looking site with quality content is essential to turning browsers into customer.

 Internet Marketing Company

SEO (Search Engine Optimisation)

An essential aspect of gaining more traffic to your website is through local SEO, which is hard to do in-house. Internet marketing companies will have the programmes and knowledge that you need. They’ll be able to find the keywords to incorporate into your content to launch you up the search engine ranks, and writers who know what to do with these keywords. People won’t go scrolling through page after page of search results, so hiring a company that will get you to the top is key to being an online success and outranking your competitors.

Time and Energy

It’s unlikely you’re going to want to spend hours and hours every day monitoring and updating your online content and marketing strategy. You do have a business to run, after all! Hiring a company to do all this for you will free up your time to focus on other aspects of your business whilst knowing that the online side of things is in safe hands. They’ll be able to strategize, create and monitor the whole of your internet marketing so you don’t have to.


Arguably the most important reason why you should hire an internet marketing company rather than do it all yourself is simply that they know how. They know what works and what doesn’t and how to get it all done. You can give it a go, but chances are if you don’t have the expertise you’re just going to get confused by the whole thing (it is very complex) and end up with a bit of a botched job. It’s like fixing a car without the faintest idea of how it works – it’s just not going to happen.

Internet marketing companies are a great help to businesses. Even if you already have an online presence, they’ll help to improve what you’ve got and bring in more traffic. In this day and age, if you want to be successful you’re going to need to gain attention online, and internet marketers can help you do just that.


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Why Pavement Signs are great for Business

Category : Marketing

There are a lot of great POS products out there that can do wonders for your in-store advertising. From branding to promoting sales, you can use them in a variety of ways to suit your business and help maximise profits. Pavement signs in particular are a POS product that works, and the fact that they’ve been decorating high streets for so many years is testimony to this. To find out if they’re the right POS product for your business, read on.

Their Use

Pavement signs are a great way of advertising what’s going on in your store to people walking past, grabbing their attention and – hopefully – drawing them in. Most signs are double-faced, meaning that you can advertise the same thing to both directions of traffic, or have different content meaning you get two advertisements in one! They can have multiple uses, from advertising sales and deals to letting passers-by know that services such as cash machines are available. They can also be used to direct customers to your store if your location isn’t obvious.

Cheap Perks

A huge appeal of pavement signs is how cheap they are. Not only is their initial cost low, but once you buy them you have them for a lifetime, which is more than can be said about TV ads or magazine spreads. This removal of repeat payments is especially good for small stores and those that may be on a tighter budget – you don’t have to worry about paying out every month to keep your advertising going.

pavement signs

Lots of Choice

Not only can you chose which POS products are right for you, you can chose which pavement sign too. If you’re set in an area of heavy traffic or are just a bit worried about your pavement signs disappearing, you can invest in weighted bases, making your signs harder to move. This is also great for places that see harsh weather conditions. If you think you’ll be changing your content regularly, you can buy signs that make it easy to do so, and more secure, weatherproof cases for those who will keep their content the same for longer stretches. Take a look at all the varieties to find one to suit you.


Once you’ve got your pavement sign, you can advertise whatever you want in it. The content is entirely up to you. It’s simple to move your posters in and out, meaning you can change your advertisements quickly and easily – great for daily deals and spontaneous promotions. You can also test out new methods of advertising your products and if they don’t catch the attention of passers-by you won’t have wasted a ton of money.


As long as you buy quality pavement signs, they’re going to last a long time and be easy to care for. If you buy signs with wheels or those that are more lightweight, all you have to do is wheel them in in the evening and pop them back out in the morning. This is much easier than lugging around massive posters or heavy frames.

For a huge number of businesses, pavement signs are a great investment. You can use them for pretty much anything you want and they’ll last for an extremely long time, which just adds to the appeal of their tiny cost! Just make sure your content is up to scratch and watch the customers flock in!

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Why you Should Never Neglect Word of Mouth Marketing

Category : Marketing

When you really think about it, word of mouth is probably the original form of marketing. The first time a caveman realized he could make a good living from selling extra animal skins, he probably asked his customers if they might be kind enough to recommend his skins to their cavefriends. The second caveman who got in on the animal skin game probably did the same.

Over the millennia, the tactics and the techniques may have changed (dramatically so since the advent of internet), but at the very core, word of mouth marketing remained almost touchingly identical. It all comes down to people hearing good things about a company from someone they believe and/or trust.

Why It Works

Before we start investigating why word of mouth marketing words, we might want to provide a few facts to actually prove that it does. For instance, Nielsen found out that 84% of consumers somewhat or completely trust recommendations from family, friends and colleagues. Moreover, in some other research, it was revealed that people trust recommendations by people who they don’t know. There are far more interesting facts and statistics here.

The very obvious and understandable reason why word of mouth marketing works is that it does not come from a company. Our consciousness has developed enough to understand (at least on a rational level) that the companies would say anything to get us to choose their product or service. We managed to get to that point, thankfully. When someone other tells us a product or service is a good one, however, we believe them. Especially if these are the people we know.

The most interesting thing is that word of mouth marketing works even when we do not know people who recommend something. We, for some reason, trust them that they are objective and that they are recommending something out of the kindness of their heart. And the vast majority of them might. Still, this is a gray area.


How it Has Changed

Word of mouth marketing changed immensely with the advent of internet and especially the social networks where ordinary people can say what they think about certain products and services. All of a sudden, you can get people’s opinion on pretty much anything. Even the largest ecommerce websites such as eBay or Amazon prominently feature consumer’s comments and ratings.

Of course, this has led to an entire industry of brand ambassadors, i.e. people who professionally spread the good word about a product or a service. It is very much the same thing as endorsing something, only the medium has changed. Still, one might consider this word of mouth marketing.

How You Can Benefit

If you are an owner of a company or a marketer who wishes to tap in on the word of mouth marketing game, there are a few things that you can do. First of all, you always need to take care of your most loyal customers. Show them that you appreciate them – both directly and indirectly. Just for an example, reward them with gift cards for Christmas, which are loaded with a symbolic (or less symbolic) amount of money they can spend however they like when their business with you hits a milestone.

Furthermore, always pay attention to what people are saying about you, both offline and online. This is very easy to do online these days. If you find out that people are badmouthing you, investigate why this is the case. Sometimes you can unearth some truly important things about your company this way. Being forward about your commitment to certain social, environmental and other causes might also cause people to start recommending your company to their friends and family.

It is all about painting a certain picture of your company in public and also, of course, providing a great product or service.

That is the kind of thing that gets the word of mouth going naturally.

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3 Content Strategies

3 Content Strategies That Will Always Work

Today’s audience is growing smarter by the day. They ignore TV commercials, skip magazine advertising, and have grown oblivious to shiny banners and buttons, rendering them completely irrelevant. Enter content marketing – a smart way to approach your customers by providing them something of value in return. Keep in mind one thing though, content marketing may be smart, but it’s hardly a fresh approach. In order to get some attention in the crowded and saturated place we like to call the Internet, you have to do your best to rise above the numerous competition. Let’s see how.

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