Business loan calculator – Avoid Getting Ripped Off

If you are looking for a Business loan calculator, you probably running a small business and just got rejected from a big bank. Yes we know the pain and how banks treat to Small business owners. You might find there are so many Small business lenders out there. Most of them offer very fast service and ready to lend you money. However, did you ever think, how much you are paying for them?

low_doc_business_loansMost of the small business lenders offer very smarter looking calculators on their websites. But, most of them hiding the real interest rate.

Let’s  get an example and see, how much you are really paying.

Let’s Calculate

Business Loan calculator example
Business Loan calculator example

Above example from Australias fastest growing private business loan lender.

According to this for a loan amount of $50,000 you will pay $233 daily

So the most important question is, How  much interest you are paying? Most of these lenders never mentioned the interest rate. because, they don’t want you to get a heart attack. Let’s calculate.

Loan Amount = $50,000

Daily Payment = $233

How many payments = 264

Total repalyments (233 x 264) = $61,512

Total Intrest = $11,512

Intreat Rate = 11,512/50,000 x 100 = 23.02 %

Yes, you are paying 23% intrest rate for your business loan. this not include any application fee or any ongoing managment fees. most of small lenders have these fees.

Related Article: Debtor Finance


Can we trust private lenders and their Business Loan Calculators?

All of the theses lenders provide accurate data. However, they are hiding the interest rate from you. The best solution is when you call them directly ask for the interest rate. Mention them you have already used their Business loan calculator and you can see the interest rate. As a small business, you have to go for these lenders if you wants to get a Business Loan. Most Australian banks, don’t have an apatite for small businesses and they will only look at your application, after looking at your house value.

Payless Shoes collapses again – Story behind the drama

Famous shoe retail company Payless Shoes has stepped into the voluntary administration. However, their stores continue to trade as normal according to

History of Payless Shoes

Payless Shoes started the business in 1980, and it was operated under voluntary administration before. They have around 130 stores across Australia and looks like they face the same financial problem again.

Last time it was sold to a US buyer name Payless Shoe Source in early 2013. This acquisition happened just after the company went into voluntary administration in 2012.

Earlier this month we announced about the three more brands are filing bankruptcy before the Christmas. It is very hard to find a reason why fashion retailers are going bust just before the biggest shopping season of the year.

Read Related Articles here

Pumpkin Patch collapses into receivership, Good luck with your Gift cards.

Nasty Gal files for bankruptcy – Sophia Amorusos resigning as executive chairwoman

American Apparel files for bankruptcy again

Current situation

Payless Shoes voluntary administration conducted by Ferrier Hodgson. In a statement, they mentioned below.
The administrators are yet to determine the main causes of the company’s current financial situation but immediately called for expressions of interest from potential buyers to purchase the business as a going concern. Source:

Related Article: Debtor Finance

The company employee more than 850 employees. These employees might concern about their jobs moving forward. We hope the 36-year-old Australian shoe business will continue under a new owner soon.

What is Debtor Finance

What You Need To Know About Debtor Finance

Debtor finance is described as Cash Flow Finance, Invoice Factoring, Invoice Finance and Invoice Discounting, which permits organizations to be able to access accounts that are owed to their invoices right before debtors pay. This includes the borrowing of money to grow a business and keep it running. Furthermore, debtor finance has a very expansive description depicting a form of finance that uses exchange receivables as a security for any loan.

Almost all businesses need to acquire cash whether for resources such as structures, land or specific supplies to keep them running. In this case, debt financing is playing a vital role, especially in the present time.

Related Article : Business Loan Calculator how to avoid getting ripped off

Advantages of Debtor Finance

  • Flexibility – Debtor finance is a very flexible solution. It’s an extremely good decision for a business to grow and develop rapidly. It’s also very advantageous for expansion because of the increase in sales and debtors.
  • Great Cash Flow – With debtor finance, sales change rapidly into accessible funds in just a day.
  • Retain Business Equity – There’s access to funds for further business development. This includes equipment purchases.
  • Negotiating Power – Almost all businesses can settle even better trading conditions with suppliers. They are allowed to take a competitive advantage to apt payment discounts and the ability to mass purchase.
  • Eliminate Payment Discounts – Debtor finance fees are normally less costly compared to apt payment discounts. The need for the offering of brief payment discounts to the clients is eliminated. Moreover, debtor finance provides for the prominent assurance of funds that are currently received.

Why Choose Debtor Finance?

Debtor finance is one of the most favored options for administration-based organizations like marketing and programming organizations because they need most of the physical resources such as land or property that can be of use to loan security.

On the other hand, entrepreneurs may not have the want to put advantages at risk. Here, debtor finance helps in fueling business development in its early stages if it’s still poorly resourced. Subsequently, an improved income benefits for a business by investing in more equipment or staff. It also negotiates discounts from suppliers through prompt payment of invoices.

Who Provides Debtor Finance?

Debtor finance is offered by different specialist private lenders and major banks. If the supplier is bigger, there will be more accessible alternatives. But this is only worth managing with a businessman who is very much open about costs and in clarifying necessities.

Few suppliers deal with debts and pursue invoices while some anticipate that you’ll chase your debt. The type of debtor finance that you choose will be down to you and the available resources that you have. This means that you need professional advice from a debtor finance expert.

To sum it up, it turns out that managing your finances is a fundamental step to a decent and successful business and life. Whether your wage is little or superior, you definitely need to spare yourself from trouble and stress. Debtor finance can really help you in handling your finances better.

5 Facts about Debtor Finance

Poor cash flow is one of the major reasons why businesses experience underperformance and failure. For small-sized and medium-sized businesses, the most important key towards success is the maintenance of a strong and consistent cash flow throughout the business.

However, there are many firms that struggle when they’re required to create huge capital outlays to their suppliers who demand for prompt payment but later on wait to receive payments from clients within 30 to 90 days.

The problem has been exaggerated by the inflexibility of banks when it comes to providing high level of funding to firms that have insufficient personal property, low fixed asset base, trading performance problems or inadequate trading history.

But now, times have already changed and gone are the days when banks were the first to call for funding, especially for SMEs. There’s an overdraft role which is based from how firms perform historically on the underlying value of security and it has been reconsidered as newer and more flexible forms of finance that have emerged. One particular alternative is the invoice finance or commonly known as debtor finance.

Some times having a Business loan can be better solution than having a debtor finance. Here are 5 facts why debtor finance is becoming a more preferred option for many entrepreneurs today:

  1. Debtor finance is a more flexible form of finance

Invoice finance is providing a more flexible source of financing by permitting business to unlock tied up funds in unpaid invoices, leading to immediate cash injection. The amount of available fund is based from the sales that are made not from the value of balance sheets.

If a firm is doing well, the available amount of fund increases and is linked to sales. This is what they call discounting. To qualify for this, clients like wholesalers, manufacturers or supply services just need to trade by means of credit terms but aren’t limited to recruitment, printing and transportation.

  1. Cash flow, late payment and lack of confidence hinder business growth

Cash flow is a major problem for most companies. For instance, they have to pay temporary workers every week. Long before they can invoice clients, cash flow issues can follow. Moreover, businesses nowadays need to pay GST as well as monthly and quarterly taxes.

When cash flow and late payment problems converge, firms need to look into alternative funding like debtor finance to keep the business running. Without reliable and strong cash flow, business owners will lack confidence to invest or pursue further on new strategies to grow the business.

  1. More institutions have been offering debtor finance

Some high-profile banks and finance companies have been offering discounting for many years now and there are also a number of non-bank financers who are providing additional debtor finance services even to SMEs.

  1. Debtor finance offers value for money

As compared to funds coming from the bank, the value of money that is advanced through debtor finance is significantly competitive. But what’s forgotten in straight comparison is that debtor finance involves complete sales-ledger management services. This means, users of debtor finance are allowed to make related savings.

  1. Invoice financers work with their clients

Some business owners are concerned that building relationships with debtor financers can cause alarm to their customers but that’s during the olden times. Now, a harmonious working relationship with a reputable invoice financer is a factor to customers.

How Debtor Finance Works            

In this very competitive world, one of the most effective ways to live abundantly is to establish your own business. It is a mere fact that managing your own business is never an easy task that others might think. Thus, successful business operation requires great degree of patience, discipline, perseverance, and enthusiasm. Meanwhile, in today’s digital generation, only the most persevering businessmen remain on top of the business world. In connection to this, you must formulate a well laid out plan of action to make the most out of your business.

On the other hand, the best decision that you can make to boost the sales and profits of your business is to engage in valuable debtor finance. This process can be a powerful tool for both small as well as big business owners to have a growing business. It is natural that there are some instances that you encounter a slow cash flow within our business brought about by the customers who have delayed payment. Fortunately, you do not have to worry about it since the latter process can help you improve the status of your specific business.

People talking about Debtor Finance
Debtor Finance image

Why consider debtor finance?

  • Pay your debts in a quick way. With the application of debtor finance, the debtor can slowly pay his debts in a less stressful manner. In addition to this, he can also have the chance to clear all of his debts in a fast and reliable way. As a result, the debtors can now have the chance to attain a peace of mind regarding their financial concerns.

Are you an ambitious businessman who wants to attain debt free future? Then, you must hire a professional debt management company that can help you attain the goals and missions of your company in an easy and quick way. With this, you can earn high level of sales and income that can help you maintain and support your financial stability.

  • Improve the cash flow within your business. Success will not come automatically in your way if you do not make an effort on achieving it. Definitely, you can make use of the invoice finance to level up the sales and profits of your business. Through the help of the latter service, a certain company can now have a major control when it comes to their financial matters.
  • Make things easy for you. Operating your company is a difficult job. Therefore, you must consult the assistance of a professional debtor finance company that can aid your immediate business’ needs. The good thing about this process is that a debtor finance company can give you support starting from chasing, invoicing as well as collecting owed invoices.
  • Attain discounts from company expenses. You do not have to risk the financial security of your business just to have a growing level in the business field. By having invoice finance as a partner in your business needs, you can have the chance to reduce the expenses of your company. As a result, you can make sure that great savings awaits you. In addition to this, you can also save more time and budget when it comes to finding a valuable and dependable source of money for the needs of your company.
  • Maintain good relationships with your potential suppliers and business partners. By simply having single invoice finance, you can have the chance to have an easy and quick cash flow. With this, you can also have the ability to reach out and deal continuously with your reliable business partners. As a result, you can gain more income and profits that can support your financial success.

With the help of the debtor finance, you can make your own business as a more efficient as well as dependable money making engine for your needs as well as for your family. In return, you can have a growing business and at the same time, you can now have the chance to experience a satisfying, joyful, abundant as well as exquisite life.

Establishing excellent debtor finance, you can transform your business as well as your personal life from failure to success, from misery to happiness, from illness to perfect health, and from poverty to abundance. By simply applying a creative exploitation of your knowledge and skills, you will be able to experience a creative accomplishment of your business goals and missions as soon as possible.

Establish an Easy Money Process with Debtor Finance

Through the help of the debtor finance strategy, you can have a peace of mind in a priceless manner. With this business technique, you can feel worry free and stress free when it comes to your financial concerns.

With its very wallet friendly and economic cost, you do not have to spend a high amount of money just to make your business grow. There are thousands of invoice finance providers that are toughly competing with each other in the market. In connection to this, it is therefore highly suggested for you to choose the one that can surely help you meet your business needs.

On the other hand, it will be a nice move for you if you are going to deal with a professional and reliable company that can offer you with a dependable and more efficient debtor finance service. The first thing that you must consider in finding the best partner in the latter industry is the one that possesses a license and is highly authorized to conduct such services for you. This is a great way for you to avoid disappointments and regrets in the end.

Another good thing about debtor finance is that you can have the ability to meet your deadlines and commitments on your own. You are free to choose the strategy on how you are going to improve the level of sale and profits of your company. With this, you can be able to manage wisely all aspects of your business.

Types of Debtor Finance Facilities

Debtor financing is a term used in Australia that mainly encompass numbers of products that finance invoices. Debtor finance is a kind of financing tools wherein businesses can get a loan against their outstanding receivables. This releases the needed working capital and at the same time facilitates a much smoother business operation. Aside from that, it can get businesses loans as quick as 24 to 48 hours. Basically, the amount of loan ranges between 70% to 90% total value of the ledger of the debtors. Financers release the balance amount when the receivables are actually realized.

There are lots of businesses that are done on credit and at times the realization of the payment takes as long as sixty to ninety days. The credit terms primarily comprise the working capital, thus affecting the cash flow, which may also affect the overall business operations. This is where the debtor finance will come into the big picture. It can help businesses free up the working capital and keep all the expansion plans in line. The best part is that the real estate security is not a major requirement unlike in the conventional financing.

There are two different types of debtor finance: the disclosed and confidential. In disclosed, the customer or the debtor is notified on the invoices that funds must be paid to the financier. This is commonly called as Invoice Factoring. Confidential on the other hand is where the customer or the debtor is not aware of the funding being provided. This is commonly called as Invoice Discounting.

Invoice Factoring

Invoice factoring is a type of financing that mainly converts the outstanding invoice due in thirty, sixty or ninety days into immediate cash for small businesses. In this type of financing, the factoring company will usually pay you in two installments for the invoice: it would be the advanced of roughly eighty percent of the invoice and the remaining twenty percent minus the factoring fees right after the invoice is paid.

Invoice factoring is usually the best solution regarding the short term issues. Giving your own customers the options to pay for the services and goods at a later date through extending the net terms to them and issuing an invoice is definitely a great way to increase both sales and customer loyalty. As a result, you can gain an edge over the intense competition in the industry. On the other hand, doing this can squeeze the cash flow of your business. Invoice factoring mainly provides solutions through advancing your money now on the invoices that are due in the next thirty to ninety days.

How does it work?

Step 1: Submit an invoice to a particular factor

Right after submitting an invoice to your chosen factor, there are few things that will happen. The factor will determine if you meet the criteria to receive financing. Aside from that, the factor will also conduct due diligence on the part of the customers you are invoicing. This is done in order to know if they are good credit risks.

Step 2: Factor will give you an advance

Advance rate is the initial advance given to you by the factor. Generally, this rate is anywhere from seventy to ninety eight percent of the value of factored invoice. Take note that the amount of your advance mainly depends on the transaction’s size, the industry you are in, and some other risk parameters.

Step 3: Your own clients pay the factor

The clients will pay the factor in thirty, sixty, or ninety days in accordance with the invoice terms.

Step 4: The factor will provide you the remaining balance (minus fees)

Right after you receive the payment from your clients, the factor will now provide you the remaining balance of your invoice. This is called the reverse amount minus fees.

Invoice Discounting

Invoice discounting is an alternative way to the traditional types of business finance. It mainly provides with an instant access to the cash tied up in the outstanding invoices. In this facility, it adapts with the businesses as it changes and grows. This is the main reason why it becomes a more flexible option compared to loans or overdraft. Since the restriction of bank financing, invoice discounting has been one of the major sources of the working capital finance.

How does invoice discounting work?

The invoice finance is mainly provided by range of lenders who would advance you with a percentage of the money owned on your invoices as the time they are raised. This simply means that the money would go into your account immediately no matter how long it takes for your customers to pay right after invoicing. Basically, the lenders would not provide money that is equivalent to the full value of every invoice; seventy five to ninety percent is more common.

Once the customers have paid the invoice, the sum’s remainder that you have invoiced would be paid, less the invoice finance charged by the lenders.

What you can get from invoice discounting?

  • Businesses are able to get cash right after the invoice is presented. There would be enough working capital needed to fund the needs and growth of the business.
  • The confidential agreement between businesses and financier, thus businesses can guarantee to continue to maintain normal relationships with the customers.

Those businesses that exploit invoice discounting might not need all the invoices funded. They may just use it as part of the overdraft office for the critical wages or stock buys. Also, invoice discounting permits businesses as far as possible on the sums that are subtracted in order to control the costs of interest.

Both invoice factoring and invoice discounting are very helpful for business growth and expansion. These are designed in order to fix the cash flow problems mostly created by the slow-paying clients. Through financing the slow-paying invoices, the debtor financing will surely increase the business revenues, thus improving the working capital while providing the business with funds to pay the suppliers, wages, and any other expenses.

Debtor Finance companies in Australia?

Now you know, much about Debtor finance and it’s time to see how easy it is to get an invoice finance facility. As you may already know your business needs to conduct Business to Business transactions and must hold accounts receivables. So what are the major providers of Debtor Finance / Invoice Finance?

This list is not in a particular order.

  1. Scottish Pacific Debtor Finance

    Scottish pacific debtor finance is the biggest Debtor finance company in Australia. they hold the most of the invoice finance market and it is bigger than the top for banks.  it is an ASX listed company. Scotpac purchased few big names in the industry before they go public. Bibby financial was purchased by Scottish pacific and they bacome the majoy player.

  2. Westpac Invoice Finance

    Westpac Bank also providing Invoice finance solutions for theirs business clients. Their approval process might be complicated compared to privet lenders. however Westpac provides very competitive interest rates.

There are so many other invoice finance companies and Factoring companies out there. However, they all different from one to one. Some of they provide amazing client support, some of them are more tech savvy. Therefore it is always good to shop around and find the most suitable invoice finance facility for your business.

Relevant Links

Debtor Finance and Invoice Finance Association Australia and New Zealand –

Step By Step Guide To Facebook Re-marketing

Whаt еxасtlу is Facebook Re-marketing?

Ever сhесkеd out a рrоduсt оn Amazon аnd then ѕееn it оn Fасеbооk lаtеr?
Thаt’ѕ re-marketing.
Fасеbооk knеw thаt you visited Amаzоn bесаuѕе Amаzоn placed a small bit оf Facebook соdе оn itѕ ѕitе. Thiѕ then lеt Amаzоn аutоmаtiсаllу ѕhоw уоu аn аd bаѕеd on thе URL уоu viѕitеd.

Sо even thоugh you didn’t buy thе рrоduсt, Amazon ѕtill hаѕ a chance to turn уоu intо a customer well аftеr уоur viѕit their site.

Whilе Amаzоn hаѕ tеnѕ of millions оf mоnthlу viѕitоrѕ, thiѕ ѕtrаtеgу will work fоr any аmоunt of trаffiс – еvеn if уоu оnlу hаvе 100 visitors реr mоnth.


Whу uѕе Fасеbооk Re-marketing?

Bесаuѕе you are аlrеаdу working your аѕѕ off trуing to gеt аѕ mаnу реорlе to viѕit your ѕitе as роѕѕiblе.

But what hарреnѕ whеn they leave аnd dоn’t ѕubѕсribе bу еmаil or buу?

They аrе juѕt GONE.

Bу uѕing Fасеbооk rеtаrgеting аdѕ, уоu gеt аnоthеr сhаnсе tо turn thаt viѕitоr into a ѕubѕсribеr and a сuѕtоmеr. Plus, bесаuѕе уоu аlrеаdу attracted them once to уоur ѕitе, уоu knоw what thеу аrе intеrеѕtеd in аnd саn mоrе еаѕilу create аdѕ thаt speak tо their needs. This сrеаtеѕ mоrе еngаgеmеnt, mоrе likes, highеr соnvеrѕiоn rates, and mоrе ѕаlеѕ.


Yоur Fасеbооk аdvеrtiѕing rоаdmар – Stаrt hеrе

Yоu wоrk ѕо hard to gеt реорlе tо viеw уоur wеbѕitе through guest роѕtѕ, еmаil оutrеасh, social media, аnd nеtwоrking, but оnlу a small реrсеntаgе ever соnvеrt tо сuѕtоmеrѕ оr email subscribers оn thеir viѕit. Bу using Fасеbооk’ѕ rеtаrgеting сараbilitiеѕ, every wеbѕitе оwnеr can ѕее big wins by recapturing thе реорlе they initially didn’t соnvеrt.

So if уоu arе rеаdу to divе into it аnd gеt уоur hаndѕ dirtу, bу thе еnd оf this ѕtер-bу-ѕtер guidе уоu will bе running уоur first саmраign and turning аll of thоѕе оnе-timе ѕitе viѕitоrѕ intо lifеlоng сuѕtоmеrѕ.       I’ve put tоgеthеr a rеѕоurсе аt thе end of this post thаt will show уоu аn additional wау to run Facebook аdѕ thаt you саn сору).


Gеtting technical (еvеn if уоu’rе nоt a tесhiе)

Setting up Facebook rеtаrgеting mеаnѕ уоu are gоing tо have tо hаndlе a littlе bit оf соdе, but nоt tо wоrrу, уоu dоn’t have tо be a рrоgrаmmеr оr hаvе аnу programming knowledge tо ѕеt this uр yourself.

So whаt iѕ this code уоu’rе going tо hаvе tо uѕе?

Fасеbооk саllѕ thе соdе thеу require уоu tо uѕе “pixels” аnd there аrе twо types of pixels.

Thе firѕt is an “аudiеnсе рixеl” thаt when рlасеd оn уоur website, lets Facebook trасk viѕitоrѕ from your ѕitе back to Fасеbооk so уоu can аdvеrtiѕе tо thеm (thе whоlе point оf rеtаrgеting).

Thе ѕесоnd iѕ called a “conversion pixel” and this lets you track when a gоаl is reached bаѕеd on ѕоmеоnе tаking action frоm your аd (likе whеn ѕоmеоnе сliсkѕ оn аn аd thеn signs uр to your email liѕt оr buуѕ your product.


Thе аudiеnсе рixеl

The audience рixеl iѕ сruсiаl to аnу rеtаrgеting саmраign аnd thе еаrliеr уоu gеt it ѕеt uр, thе bеttеr. Thiѕ is bесаuѕе Fасеbооk саn оnlу track уоur viѕitоrѕ when thе рixеl iѕ оn your site, so еvеrу dау it isn’t livе mеаnѕ уоu will hаvе fewer реорlе to advertise to when уоur аdѕ gо live.

The mаin thing уоu nееd tо undеrѕtаnd аbоut thе audience рixеl is thаt you оnlу get оnе per аd ассоunt. Thiѕ mеаnѕ еvеn if уоu hаvе multiple websites, уоu ѕtill оnlу use thе оnе аudiеnсе pixel. The lesson here iѕ to рlасе thе ѕаmе рixеl оn every wеbѕitе уоu would likе to аdvеrtiѕе оn Fасеbооk.

Onсе the аudiеnсе pixel is set, уоu can ѕресifу whiсh site уоu wаnt to advertise fоr bу сrеаting аn аudiеnсе bаѕеd off оf thе еxасt URL уоu want tо use. Fоr example, you саn сrеаtе аn аudiеnсе оut оf YOURFIRSTWEBSITE.COM viѕitоrѕ аnd a ѕесоnd оut of YOURSECONDWEBSITE.COM visitors.

The аudiеnсе pixel ѕhоuld be рlасеd between the <hеаd> tags оn еvеrу раgе you wаnt tracked (uѕuаllу thiѕ means еvеrу раgе, as уоu саn always gеt ѕресifiс lаtеr). I рrоmiѕеd you thаt уоu wouldn’t have tо bе a рrоgrаmmеr to ѕеt thiѕ uр – and уоu dеfinitеlу dоn’t! Hеrе is a simple WоrdPrеѕѕ рlugin саllеd “Hеаdеr and Footer” that let’s уоu juѕt раѕtе thе соdе in once аnd be done with it.

Sо let’s get ѕtаrtеd:

  1.      Go tо your аd mаnаgеr in Facebook
  2.     Click on “аudiеnсеѕ” in thе left sidebar of уоur аd mаnаgеr
  3.     Cliсk оn thе green button аt thе top of thе ѕсrееn that ѕауѕ “create аudiеnсе” and select “сuѕtоm аudiеnсе” from thе dropdown thаt арреаrѕ
  4.     Sеlесt the “website trаffiс” орtiоn аnd then ѕеlесt thе аudiеnсе tо bе fоr “аnуоnе who viѕitѕ your wеbѕitе”
  5.     Nаmе thе аudiеnсе & сору thе code
  6.     Upload thе “Hеаdеr аnd Fооtеr” рlugin to уоur wоrdрrеѕѕ
  7.     Pаѕtе уоur “аudiеnсе pixel” соdе into the <hеаd> ѕесtiоn of the рlugin аnd hit save
Step by Step guide to Facebook Re-Marketing
Step by Step guide to Facebook Re-Marketing

Thаt’ѕ it!

Dо уоu wаnt tо make more ѕресifiс аudiеnсеѕ thаn juѕt all trаffiс tо уоur website? Crеаtе another аudiеnсе by following thе ѕtерѕ аbоvе (you оnlу have tо рlасе the pixel оnсе), but inѕtеаd оf tаrgеting all trаffiс in step 4, click the drорdоwn box аnd сhооѕе “реорlе whо viѕit specific wеb pages” – thеn paste in the url of the раgеѕ уоu wаnt tо target!

If уоu nееd mоrе help, fоllоw аlоng with this ѕhоrt tutоriаl:


Thе Facebook соnvеrѕiоn pixel

If you’re advertising fоr раgе likеѕ, dоn’t wоrrу аbоut thе соnvеrѕiоn pixel. Thiѕ iѕ uѕеd ѕо thаt Fасеbооk саn trасk оff ѕitе асtivitу – like ѕоmеоnе ѕigning uр tо your еmаil liѕt.

But if уоu are using ads tо drivе people to аn еmаil signup page оr a sales раgе, thеn DEFINITELY use соnvеrѕiоn рixеlѕ. How уоur аdѕ реrfоrm bаѕеd оn thеir соѕt per соnvеrѕiоn will bе the оnlу rеаl metric уоu саrе about.

Thе conversion is рixеl iѕ рlасеd on a ѕресifiс page оn уоur wеbѕitе аnd when ѕоmеоnе lаndѕ оn it аftеr ѕееing or сliсking оn уоur ad, Fасеbооk rесоgnizеѕ whiсh аd ѕеnt thаt соnvеrѕiоn. It is important to note hеrе thаt the “conversion рixеl” should bе рlасеd оn thе раgе реорlе аrе sent tо immediately after purchasing. No pixel iѕ nееdеd or ѕhоuld bе рlасеd on the раgе уоu ѕеnd people dirесtlу tо frоm Fасеbооk.

If you are ѕlightlу comfortable with dеаling with code, fееl free tо paste thе “conversion рixеl” code right in bеtwееn thе <head> tags of thе confirmation раgе. Othеrwiѕе, upload thе “Fасеbооk Cоnvеrѕiоn Pixеl” рlugin intо wоrdрrеѕѕ аnd thеn nаvigаtе to thе роѕt/раgе еdit screen in wоrdрrеѕѕ аnd find thе box thе рlugin added whеrе уоu саn раѕtе in уоur “соnvеrѕiоn рixеl.”


Sо hоw do уоu сrеаtе and рlасе уоur conversion рixеl?

  1.     Within the аd manager in Facebook, click on “conversion trасking” in the left ѕidеbаr
  2.     Cliсk on the grееn buttоn that says “сrеаtе pixel”
  3.     Choose уоur саtеgоrу оf conversion (rеgiѕtrаtiоn, сhесkоut, lеаd, еtс)
  4.     Nаmе your рixеl ѕоmеthing еаѕilу idеntifiаblе
  5.     Cору thе “conversion рixеl” соdе
  6.     Paste thе соnvеrѕiоn рixеl оn the post/page within wordpress (еithеr mаnuаllу or bу uѕing thе рlugin) thаt people will see right аftеr thеу соnvеrt


Hоw dо уоu knоw everything is wоrking?

Facebook makes it еаѕу bу рlасing a littlе green dоt with thе word “vеrifiеd” next to уоur рixеlѕ whеn they аrе up and working. In оrdеr for them to rеgiѕtеr аѕ vеrifiеd, all уоu hаvе to dо iѕ viѕit a раgе whеrе they аrе placed аnd then сhесk аgаin in Fасеbооk. Aѕ long as ѕоmеоnе has viѕitеd a раgе whеrе уоur pixels аrе рlасеd within the last 24 hоurѕ, thеу will ѕhоw аѕ vеrifiеd whеn уоu’rе in the рixеl section (audience оr conversion) оf Facebook.

Nоw that еvеrуthing iѕ set uр,уоu аrе rеаdу tо ѕtаrt уоur firѕt retargeting саmраign!

Uber Eats Booking fee – coming to Sydney

Yes. It’s coming to Sydney now. Uber Eats start to charge a booking fee for Uber Eats in Melbourne, and now they are introducing it to Sydney.

Today they announce it on their App using a very creative message. According to the message, from 23rd of November 2016 Uber going to charge a Booking Fee.  The Booking Fee will be a major setback for the sales and UberEats will suffer a lot.

Yes, it does save time for you and If you are rich enough, it is the best take away method available.

Source : UberEats app
Source: UberEats app

we wrote an article about UberEats and you can view that article here.

Permaculture Principles to be More Productive : How to use them

Permaculture principles applied to your garden and yard will save you money and time. We have heard the word “permaculture” many times, however, we might not really know what it’s for and what it involves or even how it connects to productivity.

What is Permaculture?

Permaculture is a system of cultivation that is intended to sustain permanent agriculture by depending on the renewable resources and self-sustaining ecosystem. To make it simple, it is an approach to developing systems of settlement for individual and agricultural systems, which help the natural ecosystem of the land. In addition, this denotes that you are developing a sustainable land use designs through biological and ecological principles that sometimes reflect nature and in turn to maximum results for lesser work.

How to use Permaculture Principles
How to use Permaculture Principles

Here are three permaculture principles, which can help you increase your productivity:

Use and respond to change creatively

Change is the only permanent thing in the world, and successful businesses build a culture, which observes change as it describes, and determines how and when best to intervene.

Appreciate what’s happening on the “edges”

Did you know that the interface between things is where interesting events and ideas mostly happen? Most of the times, these are productive and diverse elements of the system.

Make the most of resiliency and diversity

This permaculture principle does not mean that you will weaken your business goals, however, it denotes looking within the structures you are making to make sure you are given with a lot of relationships.


Build your own success by starting small

Complicated systems are made from easy and simple systems, which work really well. Further, simple systems are simpler to keep. By starting small, you are able to keep some perspective on the right scale for the case.

Create from patterns to details

Once you look at successful patterns that are seen in the surroundings, you can build systems along with strong foundation, at the same time fill in the details as we go.

Value and use renewable services and resources

You need to make the best of at your own disposal from information, human and financial. Putting an explicit value on it will make a waste.

Related Article : 10 Time management tips for everyday business owners

Take some time to interact, observe and take stock

We are aware that it’s quite tempting to jump with your both feet sometimes, it is good to observe and contemplate. One you do not fully understand the situation, there’s a big chance that you might be spending your time making the wrong decision and coming up with the wrong solution.

Accept feedback and apply self-regulation

People need to know what really works for them and what does not so they can create on what works well for them. Knowing this is a key principle of business planning models and performance management methods.

Related Article : Residual Income: Learn What It Is and why is It Best for You?

These permaculture principles stated above is only a guide for you to keep on track for sustainable and effective food production, however, they are excellent ideas as well for boosting your productivity.

Job Interview 101: Top Questions and Best Answers

Many job seekers today are having a difficult time with their interviews as if all the question asked of them are coming out of left field. However, too many interview questions are to anticipated. The best way to prepare yourself for the interview is to understand what questions might be coming and to practice them in advance.

Following are some of the questions you will encounter during your job interviews. Review them so that you will be prepared for your next interview.

top interview questions
top interview questions
  1. Tell me about yourself.

You can begin by telling some of your personal interest, but make sure that it’s not the one that is related to the work you are applying to.

Related Article : 10 Interesting Business Ideas to quite your Job

  1. What’s your greatest strength?

Once you’re asked by the interviewee, it plays a vital role that you tell that trait which will qualify you for the job.


  1. What’s your weakness?

You must choose a weakness, which you’ve been working to overcome. Discuss a true weakness and show to them what you want to do in order to overcome it.


  1. What is your salary expectation?

Though it seems like an easy question, you need to pay attention to it. You can tell that your salary expectations are in line with your qualifications and experience.


  1. Why have you left your job?

When this is asked to you, you need to stick with your real reasons, be straightforward.

Related Article : Meet the 10 year old boy, who makes millions each year

  1. Why did you apply for this job?

This is the question is your chance to show to the interviewer how much you wanted to be hired for the job. Be precise about what makes you a perfect fit for the job. It would help if you will mention some aspects of the position and company, which appeal to you.


  1. Why should we hire you?

This is the time where you need to show your confidence. Be prepared to discuss why you are the best for the job and the things you can offer to them company.


  1. How do you deal with pressure and stress?

The best way to answer this question is to provide an example of how you are able to deal with stress in your work.


  1. Can you describe a difficult scenario? How can you deal with it?

This question enables you to tackle a difficult situation. With this, you need to provide samples of what of what you did on a particular difficult situation.


  1. What are your goals in the future?

Lastly, this question will test you on how you are planning to move or stick around as you find a better opportunity. As much as possible, you need to keep your answer focused on the position and the company you are planning to join with.

Remember, there’s no need for you to memorize all of them. But, you need to think about what you are going to tell so you are not put on the spot throughout your job interview. Further, your responses will be great if you will prepare in advance.

DNS Leak Test: Finding Out if you are Still Anonymous Online

When browsing, we prefer to stay anonymous. That is why we make use of Virtual Private Network (VPN). With this, we can mask our location from the sites we have visited with just a few clicks. However, our use of the VPN will be for naught when there is a DNS leak.  Domain Name System or DNS is a system that can link IP addresses and URLs. Whenever we browse the internet, a request where the URL we have visited is contained is sent to the DNS Server. This then will point the right IP address where it came from.

When there is a DNS leak, the browsers are ignoring the use of VPN and the DNS request is being sent to ISP directly. This led us to believe that we are still anonymous online even if we are not anymore. To prevent this from happening, you should run a DNS leak test. Here is how you should do it.

Leak Diagnose

This problem is not obvious when the default setting is the one being used by your computer. This is also the case when the computer is not routing application for DNS with the DNS server for the VPN. In this case, you really need to take the test for DNS leak. The test can be found at  You will know your status of your DNS leak after this test is run. Then, you will know how to continue appropriately.

  • Change your DNS Server

One of the best ways to ensure that your ISP cannot monitor your activities online is through changing the DNS server. Even when the DNS leak is not much a concern for you, there are still benefits that you can get from doing this such as faster internet speed. There are many DNS servers that can provide you with the performance and security that you need from DNS leak.


  • Use Monitoring Software for VPN

When there is a DNS leak, you can use some monitoring software for VPN that offers support in this case. If you are a concern with the security hacking online and the DNS leak, using this kind of software can help you.


  • Use VPNs that are protected from DNS leak

There are VPNs that have properties to monitor the DNS request, this way, you can have the assurance that the request will go to the VPN and not in the ISP. To check if your VPN has this property, just go to Settings and you should you see the option to prevent DNS leak if there is any.


  • Disable Teredo

This technology can cause DNS leak. If you have no use for it, it would be better to simply disable it.

Staying anonymous online makes us feel freer to explore and it gives us the feeling that we are somehow secured. This freedom and security are both loss when there is a DNS leak.  With that, we should at least run a test to identify if there is a DNS leak lurking on our computer. After this, we can have a clear idea as to what action we should take first.

Infographic Makers: How to Create Infographics without the Talent

In just a short period, infographics developed into becoming one of the primary formats for contents of today. It may be nothing new, but infographics and their evolution seem to make big waves in our world today.

Whenever there is a message we want to get across, regardless of what it is for, many choose to use an infographic to do it.  We can no longer deny how popular this has become. It has become a trend that you will have to follow unless you want to be left behind with what people are raging all about. For those who cannot even manage to draw a stick figure of a human that can be recognized, this fact is disturbing enough.

Related Article : Apple’s first Book for Apple Fans – Called Designed by Apple in California

Despite the lack of artistic skills, you can still send as many infographics to as many people you like without having to dwell with what your skills cannot afford to do. That would be thanks to all the tools out there that allows as to create stunning infographics without having to be artistic. These infographic makers made making infographics simpler, easier and quicker.  All you need to do is learn how to make one with them.

Creating the Infographics

To create an infographic using infographic makers here is what you should do:


  1. Research

Infographic is no just simply putting words and numbers together in a picture. It is called infographic as there should be information that your creation conveys.   Without the useful information, what you do is merely an art. Do your homework and make sure that you are doing it right. Doing this should be first in your list. Whatever topic you decide to display will determine what kind of infographic you should create.

Related Article : New Instagram product tagging may change e-commerce

  1. Choose your template

With infographic makers, you will just have to choose which template will represent the data you want to display. You should pick one that will not require you to do a lot of modifications and customizations. Flexibility, ease of use and options are few of the many things that infographic makers are offering to us.

Most of them have a wide range of templates that you can choose from. It is up to you which among these makers you want to use.

  1. Insert your data, then customize

Put the data you have gathered to the template. Infographic makers may have eliminated the need for you to create the design for the infographics, but you should still organize your data to ensure that its presentation will make sense. Make sure that your information will flow. There are different ways to do that like using arrows.

  1. Reveal your Work

After the infographic is made, you can now show it to the world.

When creating infographics, your incapability to be creative is not a problem. All you need is to know about the tools that can help you in your infographic problems. With infographic makers, you can create stunning infographics without much effort. There are plenty of them out there. Just choose which one you prefer to use the most and you can start creating whatever infographic you need.

Coca Cola infographic
Coca Cola infographic



Disposable Email: Ways to Register It

If you like to download software or books from the internet, you might hate the process of entering your email address in order to have access to the file or book that you wish to download. This could lessen the security that you wish to keep. Giving your personal email could create a worry on your behalf because this might get you a spam email in the process. If you wish to avoid this kind of sensitive process, it would be a great way for to register to a disposable email.

The disposable email will make it easy for you to provide the email address that is required in order for you to have the information that you want. In doing so, any user will have the assurance that his or her security is kept secret and protected as often as possible. This will not only ease the process of downloading files from websites but  gives an assurance that your personal email will be safe from hackers or any malicious software. It would be good to have a disposable email that vanishes in a quick rate.

Creating the Email 

In creating the email, it would be an effective way to start with characters in random so that it would be easy for you to use the email. Remember that in creating the email, you will sure have the edge in making a quick dispose of it as soon as you have downloaded the file or video that you desire. It would be a simple and effective way in order to set yourself free of spam emails.

Copy and Paste it as quick as you can 

disposable email
disposable email

Disposable emails can quickly disappear so you have to make the most of it in a short amount of time. This will provide an effective result in having the downloaded file that you want. With the disposable email, you will have the benefit in using in the specific websites that you wish the download to take place. It would provide a large benefit on your part as you would have any problem in making your identity known to other users. In doing so, you will have the great chance of making an effective move as possible.


Enter the Disposable email

It would be wise if you follow the right procedures in creating the disposable email. This pertains that you should make sure that you have entered the correct email. In this way, you should make the right procedures through the 10-minute mail in order to set an effective approach of using the disposable email. In doing this, just click and paste the email that you see on the screen in order to make sure that you have entered the right one. In creating it in the right way, a fast registration is given to you.

Registering a disposable email will assure that you will be free from any spam emails. This will provide you an effective and comfortable way in order to have the convenience of downloading files on a certain website.