Blog Posts

I'm a job-hopper. I'm usually moving from job to job. I'll urge you to focus on the positive aspects of this. I have garnered enough experience in the art of job applications, and job acquisitions. As long as I apply for jobs, there's always a job offer. Somehow someway. I've learnt a couple of things and since I don't plan to leave my present workplace anytime soon, I figured I might as well share these lessons with you.

Here are 5 Mistakes You're Making with Your Job Search:

1. Sending a half-baked CV to your potential employers.
2. Sending a generic one-size-fits-all CV.
3. Including zero facts about your achievements in your CV.
4. Sticking to LinkedIn for your job alerts.
5. Doing any of 1, 2, and 3 while sending your cover letter.

Equity financing and debt financing are the two major options for start-ups seeking to get finance. Debt financing basically refers to taking out a loan either from the bank or a private investor, who could be your friend, family, or a stranger. The loan is one you promise to pay back after a particular period of time. Equity financing, on the other hand also involves you taking out a loan, but the difference is that you wouldn't have to pay back in the regular sense as with debt financing.

There are various sources of equity financing. One of which are angel investors. Angel investors are individuals who have enough wealth to invest in businesses by purchasing stakes in the business, believing the business is able to generate higher returns in the future. Another source of equity financing is crowdfunding platforms.

Exchange-traded funds and Mutual Funds are two different types of investment securities with the same structure and functioning in almost the same way. They are both diversified investments, permitting investors to get access to several stocks, bonds or both, and all with one fund. Exchange-traded funds are so similar to mutual funds because they track an underlying index passively, but there are several differences distinguishing one fund from the other.

The major difference between both funds is in how they trade and their diverse costs. While mutual funds are purchased and put on sale at net asset value (NAV), ETFs are handled like stocks. This means that they are bought and sold at a specific market price. Also, when compared to mutual funds, exchange-traded funds have lower expense ratios and lower initial costs.

Small and Medium Enterprises (SMEs) are the backbone of any economy. They create jobs, drive innovation, and contribute significantly to economic growth. However, one of the biggest challenges SMEs face is access to finance, particularly bank loans.

Banks are often hesitant to lend to SMEs due to perceived high risk, lack of collateral, and limited credit history. But with the right approach, SMEs can increase their chances of securing bank loans. Here are some strategies that can help:

1. Maintain a good credit score and history
2. Prepare a detailed business plan
3. Provide collateral or guarantees
4. Build relationships with banks
5. Consider government-backed loan programs

We often underestimate the power of small, consistent habits. We think that to make significant changes in our lives, we need to make drastic changes. But the truth is, it's the small habits, performed consistently over time, that lead to remarkable results.

James Clear, in his book "Atomic Habits," explains this concept beautifully. He says that if you can get just 1% better each day, you'll end up 37 times better by the end of the year. Conversely, if you get 1% worse each day, you'll decline nearly to zero.

The key is consistency. Small habits, when performed consistently, compound over time. It's not about making perfect decisions; it's about making good decisions consistently.