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Why more Women Entrepreneurs should consider investing?

Women have been breaking the glass ceiling in all walks of life, especially the business world. According to research, now women are in charge of four out of 10 businesses in the U.S., and the number of businesses owned by women’s own has gone up by 114 percent in reference to the data acquired twenty years ago. Of course, they are in no mood to slow down and more and more women are going to college and educating themselves, and becoming the prime breadwinner in their respective families.

In spite of all the progress women are making in the right direction, they still struggle in terms of management of cash and especially investing, compared to their counterparts. According to a popular business magazine, women are far behind men when it comes to financial literacy tests and they also tend to invest 40 percent less in comparison with men. Though women are considered great with saving as they save 9 percent of their salary, while on the other hand men save only 8.6 percent. But when women were asked what they would do if they were handed $1,000, and the immediate response was that they were 35 percent less likely to invest the money when compared to men.

Even though women entrepreneurs run business excellently and are great at money-saving. They have a hard time understanding the importance of investing – even at the cost of taking some risks. In order to help women invest more, there are tons of online investing platform made for women, that has taken an initiative to bring the change by providing the required guidance and mentoring needed to handle those risks successfully.

Why investing can be difficult for women entrepreneurs?

Women entrepreneurs have higher chances of gaining more personal and business capital through investing. They can also advance their savings and secure their financial future. For example, if they put their money into a traditional savings account, which will build upon average only about .01 percent to .06 percent a year in interest, whereas, comparing that to the stock market, where one can get historical returns of 10 percent and the window to gain quarterly dividends. So if they are putting $1,000 into a savings account and gaining .05 percent interest, they would be getting $5 in interest over the course of a year. But, if they put it into the stock market, then they can potentially get a 10 percent return, and eventually, they’ll make $100 that year.

But how to actually get started?

Associating with online investing platforms will definitely help in creating and managing their personalized portfolios. The investment algorithm will weigh crucial factors in women’s lives such as career breaks, pay gaps, and longer lifespans, and decide with their financial planners.

Women entrepreneurs might find it intimidating, as they have never bought a stock share but now have a desire to get into bonds and real estate but don’t know-how. But with the help of proper guidance, they can start investing in a diversified portfolio easily and begin to boost their financial future.

Empowering Women

Why Empowering Women is Beneficial For Society

When human beings were living in the wild and society had not yet been established, there was a sense of equality between men and women. As societies developed all over the world, the status of women in these societies gradually reduced and women had very little or no power. This reduced their influence and almost made women the weaker citizens or secondary citizens in society as compared to their male counterparts. Systemic sexism, no control over their lives and destiny, physical and mental abuse and a lack of respect for women has been seen all over the world for thousands of years. But over the last few decades, women are finally but gradually getting more empowered and women’s empowerment is beneficial for the women in the society as well as the society in general.

Steps to Empower Women in the 21st Century

The circumstance of one woman is very different from another but women’s empowerment is a global concept and some countries are doing better on this score than others.
Some basic methods and steps are needed in most societies to empower women. Education is the basic step to empower women as an educated woman can earn a living and also know her fundamental rights.
Access to food and clean drinking water is an essential step and in some countries, access to sanitary toilets is also essential.
It is essential to make people understand that young girls have to be treated equally at home and in society. Encouraging them to work towards a fulfilling and achievement- oriented life is important.
Improved access to healthcare, ability to work and earn money, protections from physical and mental abuse at home and in the workplace, and just giving respect to women is important.
The access to police protection and also a just and fair rule of law in society helps in women empowerment. The rights to vote, elimination of practices like child marriage, and better inheritance laws for women are all important steps toward women’s empowerment. In some cases, reservation for women in politics, in employment and education helps in the empowerment of women.

Benefits of Women’s Empowerment

The main benefit of women’s empowerment is the upliftment for women and equality in society all over the world. Women are half of the population on the planet and it is important culturally and economically for women to contribute to society. The steps of women empowerment mentioned above, protect women, give them a sense of equality and achievement and also make them more valuable members of society. Braking through barriers make women more independent and more confident, this makes it beneficial for society. Women are good at making a decision, calmly reacting to situations, solving problems and encouraging women to study or work in non-traditional fields like politics and science is a great idea.

The benefits to women and society of empowering women are limitless. It is a smart choice to make society more just, equal and one that encourages and respects women. It is a gradual process and the world is changing in this aspect one day at a time.

The few challenges faced by women entrepreneurs

Women entrepreneurs represent one of the best business leaders in the world has ever seen. Entrepreneurship, once considered a man’s world, has slowly changed. Despite progress, women continue to face challenges. Fear of failure, lack of security and difficulties in obtaining financing are some of the obstacles that women entrepreneurs tend to face over their male counterparts,

Harmonize company and family

Women entrepreneurs are often torn between commitment to family and business. The foundations on which the foundations of the family are built are provided by women. Furthermore, they have grown up in a culture that expects them to always fill a variety of roles.

All aspects of life increase and decrease depending on where our energy is invested. Hard work, sacrifice, and determination are the keys to harmonizing facets in life. Create realistic expectations and come to terms with the fact that no one should do everything.

Humility vs. pride

If something goes wrong, women are likely to blame themselves for causing the mistake, while men blame external forces or luck. When something goes well, women attribute it to luck, while men see it as a confirmation of their abilities. Women need a mindset shift to reframe mistakes as feedback and an opportunity to grow.

Women need to show off more

For centuries, women have fought for recognition of their achievements. Having the confidence to promote yourself and acknowledge your successes without fear of how others will perceive you is mandatory.

One of the best ways to grow and build your company is to take advantage of your achievements and translate them into job offers. Integrate your “successful self” into business to lead the way for other women to follow your example.

Sharing experiences is another inspirational way for women to connect and be mentors. Successful women entrepreneurs must allow themselves to shine.

Convince them to invest in you

Women continue to have more difficulties than men in obtaining financing. Recent research revealed that women entrepreneurs open companies with 50 percent less capital than men.

Venture investors tend to invest in men for their potential. Instead, women are judged on their current performance. Harvard Business Review recently published that women entrepreneurs who highlight the social impact of their ventures generate more positive perceptions. When looking for financing, be prepared to clearly explain how you want your business to look in five years, how your mission will change the landscape of your industry, and your earning potential.

In simple words, several organizations actively support diverse business visions by offering loans and financial assistance for working capital. For example, Indigenous women’s entrepreneur program exist to specifically aid Indigenous women in starting and expanding their businesses. Such initiatives provide financial backing and offer valuable guidance and resources tailored to empower Indigenous entrepreneurship.

Raise the goal

Women underestimate what they can achieve. Many women start their businesses as a hobby to make some extra money without taking a lot of risk. If you have bigger dreams, it is imperative to have a clear perspective and long-term goals to direct your efforts to get what you want. Create a support network around you, celebrate progress toward goals, and continue to grow and expand your thinking.

Believe in themselves

Women are prone to putting themselves down and not trusting themselves to be successful. The 2016 BNP Paribas Global Entrepreneurship Report revealed that women are more ambitious and successful than their male counterparts when it comes to business. Catalyst found that companies with the highest representation of women in senior management consistently experienced better financial performance than the group of companies with the lowest.

The 5 Advantages Women Entrepreneurs Have Over Men

Women entrepreneurs in Mexico only represent 16% of the business sector (INEGI, 2012). So much
has been said that men have more access to education, business, technology, justice and security.
And although it is true, and this should change, we must also recognize that being a woman has its
advantages in the business world. It is true that with the passage of time women have gained ground
in the business field, however, it is still not possible to have equal conditions for men and women, so
it is important to know the advantages that exist when being a woman and being enterprising.
The main advantage that women have is the commitment and dedication they have with their
company. In a world where the command most of the time is in the power of men, women have the
need to stand out, so the commitment and dedication to their company is greater in order to be able
to position it as the best.

1. You stand out from the rest automatically

As there are more men, women entrepreneurs are easily detected and it allows your presence to be
more visible.

2. They create more loyal friends in the business sector

Being few women, you will easily find a loyal friend who is going through the same thing as you,
someone you can trust and unconditional mutual support.

3. There are supports and events only to empower women entrepreneurs

At present, specific events are created to empower or empower women, as well as associations of
businesswomen and public entities in order to support women. Yes, focused only for women.

4. Women live longer than men

Women live on average longer than men, in 2014, life expectancy was 77 years for women, and 72
years for men. (INEGI) In other words, we can: undertake, make mistakes, start again, be successful,
and even then we will have a few more years.

5. Women learn to make the most of time

This is experienced a lot by businesswomen with children, since having to combine personal, family,
professional, couple life, etc .; They learn to manage their time very well, to do things very well the
first time, and to prioritize objectives.

You are accepted more easily

According to a survey carried out by the Center for Social Studies and Public Opinion, 78% of people
believe that women are more trustworthy versus 21.7% men. That is, by being considered as more
reliable, you will have more opportunities if you decide to be an entrepreneurial woman.

There is less to expect from you

And it does not mean that they do not take you into account, but that there are few women, you will
not have stereotypes extracts to follow, and you can build your style little by little.

You will never get bored because you will have constant changes

Unlike men, women can become pregnant and have children, which will require changes from
pregnancy, birth and at each stage of development, which will require you to adapt
In short, being a woman is not the easiest thing in the world, but it does have its advantages. We
must continue fighting to leave behind all the disadvantages, we must recognize all the good that we
have and help more women to undertake.

Perfect Ways of Analyzing and Interpreting Financial Data

To survive and flourish in this day and age of aggressive competition, volatile markets, complex, globalizing business world and economic conditions, businesses must necessarily leverage the wealth of data at their disposal. By analyzing and interpreting the large volumes of financial data from disparate internal and external sources, businesses can gain a competitive edge and forge ahead of their competition while continuously improving their profitability and growth.

As more businesses and domains understand the importance of financial data analytics, the demand for professionals with credentials and advanced skills is soaring up. Accordingly, their remunerative packages are turning more lavish. This is why more working professionals, in finance, banking and other fields are taking up financial analytics courses and Financial Analytics Certification.

Five ways to analyze and interpret financial data:

The best financial analytics courses will delve deeper into each of these perfect ways of analyzing financial data and equip you with the skills and tools to drive your organization towards superior performance and profitability.

Financial analytics using R and Python: R and Python are powerful tools that are used to analyze and interpret financial data.
Exploratory data analysis: This is where you find the trends, patterns and correlations between various parameters that are hidden in the financial data. Using this way, you can understand the current financial status, performance and position of a business or an entity. You can visualize the data and understand it in an effective manner.
Predictive analysis: It is not enough to know about the present and plan for it. It is very important to understand future trends and patterns in order to be profitable and grow. Predictive analytics helps in doing this. It uses forecasting techniques and statistical methods to understand the future, giving us the probability of our predictions happening in the future as well as actionable insights that are data-driven. You typically use data mining techniques, forecasting and time series analysis.
Prescriptive analysis and modelling: Is it enough to simply forecast and predict the future? No, absolutely not. Prescriptive analytics enables businesses to optimize their functioning and gain a competitive advantage in the future by leveraging the invaluable insights and simulation/ modelling techniques to understand how best to address future uncertainty and achieve the best outcomes. For instance, stock price modelling, risk modelling, etc.
AI and Web scraping (news analysis, sentiment analysis, etc.): Social media, news, etc. are powerful in affecting the way customers/ clients, investors, etc. view your business and can affect your business and financial outcomes as well. So, engaging in web scraping using AI and news analytics, sentiment analytics, etc. you can get valuable insights about factors that affect your financial performance.

Enroll in the best financial analytics courses to gain a deeper understanding of ways to engage in financial analytics.

Can Mutual Funds help in wealth creation?

Wealth creation is tough, you can make it easy with proper steps and accurate strategies. It is true that you can rely on mutual funds for wealth creation. It is a popular way of creating wealth.

But you have to take a high amount of risk by putting your financial assets into work and gain short term as well as long term incomes according to your investment goal.

Beside this, it is also true that the more risk you take, the more profit and success you will achieve. But the thing is as compared to stocks and commodities mutual funds are safer and one of the most stable investment platform.

You can come across huge opportunities for wealth creation. With all those high-yield stock and several bond funds, you can get the highest possible outcomes by investing your money.

As compared to gold, fixed deposits and other conventional modes of savings mutual funds are the finest tools to channelize your money in a profitable way.

Mutual funds have ways for aggressive as well as conservative users. You can expect profit from long term and short term goals.But the thing is if you want to gain profit and create wealth you should focus on the long-term plans.

In addition to that, you have to consider crucial factors like your financial goals, the horizon of your investment before setting into the world of mutual funds.

The asset management companies furnishes different types of schemes such as equity fund, debt fund, and balanced funds, and all are quite beneficial to provide you the profit in the long run.

If you like to go with high risk then you can consider large-cap and mid-cap schemes, for low-risk customers the debt funds are quite beneficial. Mutual fund investment offers several benefits and that leads to wealth creation in a healthier way.

Benefits of Investing in Mutual funds

Mutual funds are managed by professionals and experts
It provides portfolio diversification
It offers liquidity
You can avail the tax benefit
The process related to mutual fund investment is completely transparent
The return is higher as compared to the traditional investment plans

The asset management companies use your money in multiple asset classes. The mutual fund scheme is planned on a specific risk-reward ratio. So this is one of the best options for wealth creation.

But you have to choose the right scheme for higher returns and compare multiple schemes before choosing the right one for you.

There is no short-cut or any specific method to create wealth in the mutual fund. You have to go through the strategies, make a thorough research and implement those outcomes while investing. Here are the few things which you have to consider while investing in mutual funds.

Things to consider before investing in mutual funds

Set your financial goals
Make good research on AMCs
Keep your portfolio focused
Go with Long term plans

In the end, we can say, yes mutual funds can help in wealth creation. But always keep this in your mind that, investing in mutual funds in risky. However, it is also a great way for wealth creation if you put it in the correct way and choose the perfect plans and AMCs.

Why Term Insurance is Must to Have These Days

Life insurance is a type of insurance policy that insurance companies sell, that gives a payout to the insured person’s family after the death of the insured person. Sometimes after a fixed period of paying premiums, the insured person gets the payout after a set period of time. Life insuranc e has become extremely valuable these days, as financial security in an era of inflation and rising costs of living is very important. There are types of life insurance schemes that are sold by insurance companies and the term life insuranc e scheme has become very popular over the last few years.

Term Life Insurance

Term life insurance is the most inexpensive life insurance policy available as it is a life insuranc e policy for the insurer only for the fixed time. This means that after paying the required payments, the person buying the life insurance is insured for a term limit of time and not for their entire lifetime. In this period, the insurer gets financial security, many benefits, and also in the tragic event of death, the family gets the term life insurance money. These days life has become very unpredictable and money has become greater necessary than ever as the cost of living has risen tremendously all over the world. The following are some of the benefits of term insuranc e and why it is a must these days around the world:

Benefits of Term Life Insurance

Financial Security for the Family

The first and most important benefit of a term life insurance is the immediate financial security for the insurer’s family in a tragic turn of the insurer’s death in the term life insurance. This type of life insurance is generally taken by middle-class salaried professionals to protect the family financially for a fixed time.

Costs Lesser Than Full Life Insurance

Full Life insurance without any term limits covers the insurer with life insurance throughout their lives is very expensive and the premiums are also expensive and last for a long time. Term life insurance is a smaller compact version of life insuranc e which is available for a fixed period of time and not that expensive. There are many tax benefits available for people who buy this policy as some countries provide tax exemptions for premiums paid for term life insurance.

Protects Assets

Taking loans and buying assets becomes much easier with a term insuranc e cover than without any coverage. This means that people can buy cars, homes, and other assets by taking loans as these loan payments are made by the life insurance company even in an event of the insurer’s death. This means that the family does not lose its assets after the death of the insured individual as the insurance company makes the remaining loan payments.

Lump Sum Payout

Just like regular life insurance, the best term insurance packages give a lump-sum payout to the insurer’s family in the event of the person’s death while still under the coverage of the term life insuranc e time limit. This means that for the period of time of the term life insuranc e, the customers have all the benefits of a regular life insuranc e policy.

Critical Illness Health Insurance

Along with life insuranc e, nowadays basic health insurance coverage has also become critically important as healthcare costs are on the rise all over the world. Term life insuranc e packages many times include critical illness insuranc e. This means that illnesses like cancer or heart diseases are covered under the term life insuranc e.

The term life insuranc e gives many benefits to people and gives financial security to insurers for a fixed period. This type of insuranc e is very popular. There are many schemes in term life insuranc e available that are affordable and a must-have these days.

5 Easy Ways to Earn Money Online for Fresher’s

Most people start earning money in college itself by doing different part-time jobs and finding work online. The economy all over the world has seen stagnating wages and also a sharp rise in inflation. One of the key areas where inflation is taking a toll on students is college tuition. Before getting a high paying job, it is important to earn money to get people through college and early years of employment. There are many good ways to earn money online for freshers so that they can make money that helps them pay their way through college. College is expensive and it includes tuition, rent, daily expenses, and many other unforeseen costs. Most young people have no savings and live month by month and are constantly looking for ways to make extra money. Many times they do not have the time to pick up shifts waitressing or doing part-time jobs because of their college workload or first job workload. There are many types of jobs available online for different types of skill sets and it is easy to make money online. The following are five ways to earn money online which help people make extra cash which helps pay the bills every month:

5 Ways to Earn Money Online

Online Surveys

Corporations and Market research companies need to do a lot of research about their products and how the products will fare in the market when they are launched. To understand the market, it is essential to conduct surveys about the trends and moods of the market. There are many sites available online that pay people to take surveys online.

Starting a Website or Blog

Starting an interesting website or a blog is a great way to make money online. If the website or blog gets a lot of viewers, the owner of the website can add online advertising to the website. Online advertisers pay well to get their ads on websites or blogs that are popular online. The more popular the blog or website, the more money can be earned by online advertising on the website.

Write Articles and Books Online

Freelance writing online is a great way to earn money. Search engine optimization needs a lot of articles online for specific keywords. Also, there are millions of websites online providing information on a variety of subjects and there are many jobs available to write articles online that pay good money. Many fresher’s love to write and read books but never feel that they can make money through it. Writing novels and small books and publishing ebooks through bookselling apps is a great way to earn extra money online.

Affiliate Marketing

Affiliate marketing is a great way to earn money online if students have blogs, vlogs, and websites online. Affiliate marketing is when people with online presence do a deal with a company and then promotes their products online to their followers. This means for example if students have a website that is popular in the gadget industry, they can promote gadgets online for a specific company to earn commission from the company.

Sponsored Posts

Sponsored posts are becoming increasingly popular these days. Nowadays some teenagers and students have online social media presence on key websites with thousands if not millions of followers. Many companies contact these popular youngsters and ask them to promote their products through a tweet, post or blog recommending the products. Sponsored posts are a great way to earn money online especially with people who are very popular on social media online. This type of money- making scheme is not just popular with the celebrities but also with regular youngsters online who have gotten a large following because of their popular online posts.

9 Impressive Health Benefits of Cucumber Probably You Didn’t Know

Cucumber is a widely used vegetable that is part of the gourd family. Cucumber plant is a creeping vine and there are a few varieties of cucumbers available in different regions of the world. Cucumber is a South Asian plant but now is grown all over the world. Cucumber is eaten raw or in a salad. It is also used as an ingredient in many savory dishes all over the world. Cucumber is a cooling ingredient and it is especially popular in the summer months when people like to eat something that is fresh and light. Cucumber is not just a simple ingredient used in cooking. It is specially added to the diet for many health reasons. Cucumber has many health benefits and not many people are aware of most of the benefits of cucumber in the daily diet. Cucumber can be used in the diet in a variety of ways. Some of the dishes made by using cucumber include cucumber soup, pickled cucumber, juice, salad, as a topping, in side dishes like raita and tzatziki and also in appetizers and canapés. Including cucumber to the diet is the right idea and following are some of the health benefits of cucumber that are not well known:

Health Benefits of Cucumber

Rich in Antioxidants

Cucumber is rich in antioxidants that are needed to block oxidation in the body that happens due to free radicals. Flavonoids and tannins in cucumbers are necessary to fight and prevent chronic diseases.

Improves Digestion

Cucumbers provide the body with two main ingredients needed for healthy digestion which is fiber and water. Healthy digestive system washes away the toxins and improves the overall health of the body.

High in Nutrients

There are many nutrients provided by cucumbers. This includes proteins, fibers, vitamin C, Vitamin K, and other types of minerals are provided by cucumber. Other nutrients include manganese, potassium, and magnesium.

Helps in Weight Loss

Cucumber is a top ingredient to use in various healthy recipes that are perfect for weight loss. Cucumber is a great ingredient as it is high in water content and packs very few calories. This helps in weight loss and decreases the rate at which weight gain takes place.

Prevents Brain Disease

The anti-inflammatory flavanoid called fisetin which helps improve brain health. It protects the brain from different types of diseases like Alzheimer’s. It improves memory, protects the nervous system, and also helps improve learning impairments.

Helps Fight Cancer

Cucumbers provide the body with polyphenols called lignans and phytonutrients called cucurbitacins which lower the risks of a large number of cancers. These nutrients help prevents cancers like ovarian cancer, prostate cancers, uterine and breast cancers.

Keeps Heart Healthy

Cucumber is a great food item for heart health. It provides the body with potassium which is essential for the improved working on the heart. It lowers blood pressure levels and also reduces the blood sugar level. It helps the nerve impulse transmission, muscle contraction and overall heart function making it a top choice for improving heart health.

Maintains Hydration

Cucumbers are over 95% water. This means cucumber provide necessary bodily fluids and also increase the overall hydration in the body. This is particularly beneficial for people living in dry, arid and extremely hot climates.

Helps Manage Stress

Stress is a major factor in our daily lives. To deal with the stress it is necessary to have to calm fresh ingredients in the diet. Cucumber provides the body with essential B vitamins like Vitamin B1, Vitamin B5 and Vitamin B7 which is Biotin. These vitamins are necessary to ease anxiety and reduce the overall feeling of stress. Mental health is a major factor these days and cucumbers help maintain good mental health.

World’s Top 5 Tech Startups in 2019 According To Forbes

A startup is a term used for newly established business. Over the last decade, many newly started businesses in the tech industry have revolutionized the industry and become multinational and multibillion-dollar enterprises. Startups are encouraged by governments all over the world especially in the tech sector. This sector is a highly progressive and innovative sector of business that can offer jobs to millions of people all over the world. A startup is a relatively young company and generally issues an IPO after achieving a certain amount of success with the products and services offered by the company. Every year there are many startups that are established all over the world and some of them work while many fail. People who establish startups have new ideas and unique selling propositions to attract customers. The tech industry often keeps a lookout for new startups to invest in which one can offer new products and services to customers. There are major publications like Forbes that keep a tab on these new startups every year. These tech industry startups are ones that are causing the most buzz in the industry in any given year. The following are some of the top tech startups of 2019:

Bulb

Natural disasters, global warming, and climate change are unfortunately becoming part of our lives. Many people want to take active steps to stop the process of climate change and one of the key ways to do this is to use renewable sources of energy. A Bulb is a great app that is becoming popular in 2019 where members are provided with direct renewable forms of energy to power their everyday lives. Bulb provides renewable wind, solar and energy. It also provides 100% carbon neutral gas at very affordable tariff rates. The process of using renewable energy through this app is a convenient way to be eco- friendly in the 21st century.

Globechain

Globechain is a service that provides a platform where businesses can donate old items to local charities and to those in need. There is a simple process where businesses sign up and list the items they want to donate. The app or online platform connects the people who want to donate with recipient charities in need of such donations. The pickup is organized and the social impact data is provided to the business.

Huel

Huel is an online service that provides meal replacement drinks. Huel offers customers nutritious “ready to drink” drinks in different flavors, gluten-free Huel powder for drinks, Huel flavor boosts in different flavors, Huel candy, and granola bars and also sells Huel accessories. Huel is vegan, nutritious, lactose-free, soy free, GMO-free and is very nutritious as it is designed by top nutritionists. Huel is a great startup and is a top tech startup according to Forbes.

PatSnap

Innovation is the key to growth and there are millions of innovators, researchers, and scientists all over the world. This is a great database that is used by research scientists; intellectual property rights experts, and patent seekers all over the world. The database gives companies and individuals in this field access to 130 million documents in the field of research and development, intellectual property, strategy and business, and life sciences.

Nurx

Healthcare is a major issue all over the world. One of the top startups recommended by Forbes is Nurx. This app connects patients with qualified real doctors and provides affordable prescription drugs to patients. The app specializes in birth control, HIV pills, HPV screening, and emergency contraception pills. Medication, testing kits, and a prescription are all available through this app and they provide discreet home deliveries of this app.