Are You Ready For Online Business Success?

Starting an online business become a challenge for you, especially when you’re equipped with the proper knowledge, planning and business strategy. Choosing the market share is the first step towards your online business, but there are many other important factors to consider before starting. Are you ready for a successful online business? Here are some important things to consider so that you are really ready to do business online:1. Prepare Business Ideas Before You Begin
By your thinking about an idea before you start an online business can help you decide which online business that needs to be done or started, so it can provide benefits and new challenges for you in business online.2. Marketing Plan
Your marketing plan will consist of a variety of ways you plan to promote and build your network. This includes both clients and customers, and represents an important step for your business, both online and offline. If your internet business ideas can not be promoted properly, you will not get the right opportunity. Designing a marketing plan is an important step toward success. Whether you choose to launch a retail site, newsletter, or even a blog, consider different approaches to prefix your online business can succeed.3. Designing Your Website or Blog With Success
If you do not know or not a web expert with enough to build or design their own Web sites, you can rent or hire a professional web designer to manage your website. Make sure you choose something that will attract customers and make it easier for people to find your product. You can also take advantage of free blogs as well. You want customers to be able to continue to receive from you with ease, so a good idea to include your e-mail address or phone number for contact. Whether it’s from a retail or service business, a presentation that can help you make the sale.4. Build Online Credibility
Online business you need to build credibility to attract customers, clients and customers. You can do this by marketing and promoting your website using the existing variety of ways. By using various strategies to build credibility online, and you’ll start seeing quick profits from the credibility that you build.5. Study
Many learning and experimenting can help you also in achieving success, but it takes patience and for all that there are stages of the process. The more we learn it the sooner we achieve success. But we also have a lot to learn from people who have been successful in doing business online.Easy – I hope this can be useful for those of you who will start an online business, good for a beginner you do not know yet who will be the online business. congratulations for your business.

The Lure of Easy Money: Islamic Finance in the Age of Capitalism

Money. Money makes the world go round, or, well, any direction you want if you own it. So, when it comes to easy money, boy, it makes the world go haywire! Easy money – that is earned without the sweat and toil, normally, required for earning a livelihood. Who wouldn’t, at least, be tempted by it?Society and its priorities change with the seconds of the change in time. Whereas morality and integrity were of utmost significance at a time in an obscure past, the priority of society, today, is amassing heaps of wealth. One may question, why not? If, having more zeros after a figure in your bank statement, surely, means having a greater influence and a vaster dominion over the world, then why are you playing the guilty conscience card on us?Well, but, I say, wasn’t it us, in the first place, to form a direct proportion between wealth and influence in the world? You, seriously, cannot tell me that this is how it has been since time immemorial! About time we embarked on some insightful journey, wouldn’t you say?If money was really directly proportional to influence, then the exemplary case of the second caliph of Islam, Umar ibn al-Khattab r. a., for instance, would be a scientific anomaly!It was in 637 AD that after a prolonged siege of Jerusalem, the Muslims finally took the city. While Heraclius, the Byzantine Emperor, had fled, Sophronius, the Greek Orthodox patriarch, surrendered the city on the condition that no one was to be harmed. The terms were observed and the patriarch gave the key to the city to Umar ibn al-Khattab r.a.Umar r. a. entered Jerusalem, to sign the peace treaty, with humbleness, walking in by foot alongside his servant who was comfortably being conveyed by a camel. Umar r. a. and the servant had been travelling by foot and on the camel in turns (Muir: 135).When Sophronius met the Ameer-ul-Mo’mineen, Umar r.a., one of the most influential men in the history of Islam and the rest of the world, he was dressed in his travel-stained battle tunic, while Sophronius was attired in sumptuous robes. Sophronius was very surprised to find the Commander of the Muslim world dressed in anything but royal clothes and even questioned Umar r.a. about the simplicity of his apparel, to which he replied that Allah SWT doesn’t “demand extravagance”.The Patriarch then explained that he did not wear all the regalia to adorn himself but to ‘check the confusion and anarchy in the world’ and he was “God’s office”. In other words, for the sake of appearances, he had to portray in his dressing that he was a representative of God. It is, indeed, the concept of appearances that has confused us as to what influence is in actuality. That confusion has, consequently, led to forgetting the reason behind the creation of lofty appearances earlier in time, even if it was a result of flawed thinking.Sam Polk, a former hedge-fund trader and founder of a non-profit organisation, Groceryships, brilliantly scrutinized the reality of the addictive rat race of amassing money in a New York Times article saying that the money-spawning Wall Street, in reality, is “a toxic culture that encourages the grandiosity of people who are desperately trying to feel powerful”.Thus, today, the focus of our society has been reduced merely to the goal of generating easy money. Money that is easily earned does not worry about the path or means chosen for reaping it. Every professional field has ample of evidence with this regard, in fact, every professional field has become an example of this problem.Whether it is a doctor prescribing extra medications or recommending unnecessary laboratory tests to earn extra commission; or a judge ‘fixing’ a case with a politically influential defendant in return for a nomination to be elected to the District Court; or even a teacher passing a failing student, who goes to his/her house for private tuitions; or the role of media in selectively portraying jigsaws of a scenario that misrepresents the entire picture of truth to please governments and ruling powers of the world; the evil of easy money tempts and ensnares us with its shiny traps in every sphere and every nook and corner of our lives.Deep down everyone knows between right and wrong. Every one of us feels a pang of guilt when we are about to board the bus leading to bribery, dishonesty, greed, et cetera. The effects of friction between our conscience and our choice are terser, initially. However, with time and continuality, the friction smoothens out and choosing a wrong, but an easier path, to our goals doesn’t seem to disconcert us.In fact, calculated steps are taken by big businesses and governments to erase the divide between what is the right or wrong method and/or means of earning an honest livelihood, as it, ultimately, means expansion and prosperity for them in this chain reaction. So is the case with Islamic finance and the concept of Sukuk – Sharee’ah bonds.A conventional bond is a certificate which, as per the terms set, when once bought from the issuer requires the issuer to pay the holder of the bond the face value in addition to the agreed amount of interest when it reaches maturity, or to pay other benefits, such as prizes given by drawing lots, or payment of a fixed amount, or any rebate. It is an asset-based investment, where the holder of the bond, strictly, does not have ownership of any tangible assets associated with the investment they made, save the certificate.According to the Islamic Fiqh Council, having any kind of dealing with bonds of the above stated terms is haraam (forbidden) no matter whom it is issued by and no matter what name it is given as a disguise, according to the Sharee’ah (Islamic law), because they are riba-based loans, and riba (interest) is haraam in Islam.The reason why Islam strictly forbids dealing in interest in any arrangement is because it is deemed an exploitation. In Islam, if a person contributes towards the capital of any business, they should be entitled to ownership of the associated assets and an equal bearer of the profits and loss of the assets they are backing.There have been Muslims, who, despite knowing that interest is forbidden in Islam, have voluntarily dealt in it, because of the lure of easy money. However, there has been a great number of Muslims, who have consciously avoided going down this path, adhering strictly to their religious doctrines. This, evidently, was a big loss for banks and businesses that were interest-oriented. Therefore, to include that large section of the Muslim population that avoided dealing in interest-based money, the big fish in the world of finance, came up with the idea of “Islamicizing” banks and other concomitant businesses, and as a result, bonds, too.What started off with a façade of a sincere attempt at creating Islamic banks, which was a huge success among the Muslim masses, very soon overtly degenerated into the capitalist pothole. The only difference that remains today betwixt common banks and Islamic banks is the inclusion and/or exclusion of the term Islamic. The products on offer at Islamic banks are the same that are offered by a conventional bank, barring the difference in English and Arabic terminology.Semantics does not really qualify as a stamp of religious approval and, frankly, accounts to nothing. A spade is a spade no matter what colour it comes in. The fact is that 97% of the world’s money is intangible, created not by the governments, but by banks when loans are made. That money is only visible in our bank statements. Therefore, if banks were creating Islamic finance products, it obviously was not going to be based on tangible cash, as it only existed in electronic form.Correspondingly, Sukuk (bonds) are also one of the concomitant features of “Islamic” banking and have been extensively endorsed by many Islamic banks. The market of Sukuk has rapidly augmented in recent years with a net worth of billions of dollars. So much so, that CNBC called the year 2014 as the year of Sukuk bonds.Traditionally, what differentiated Sukuk (bonds) from conventional bonds was that the buyer of Sukuk became its legal owner of a portion of an/some asset sold by the issuer. The buyer is then allowed to rent that portion of the asset(s) to the issuer.Consequently, the assets should be tangible, with physical substance rather than an intangible asset. Perceptibly, this concept is much more secure than that of the conventional bond dealing with electronic money – a substitute for hard cash.It was not that the concept of Sukuk was drastically different than conventional bonds that made it such a hit, but, predominantly, the fact that they were backed by religious scholars that ignited its phenomenal growth. Since Sukuk issuers did not follow this traditional concept but a tweaked concept of Sukuk bonds, where the buyer does not get ownership of the assets that he/she buys. The namesake Sukuks were just as intangible as the conventional bonds, which is in violation of the Sharee’ah.According to a Bloomberg’s report, Sheikh Muhammad Taqi Usmani, chairman of the Bahrain-based Accounting & Auditing Organization for Islamic Financial Institutions (AAOIFI), an authentic authority on Islamic finance, stated that 80% to 85% of Sukuk issued were not in compliance with the Sharee’ah.But, as stated earlier, corruption and its infesting claws have reached every capillary of the human world, and thus, in order to procure the respectability of religion and beguile the uninformed Muslim, and, of course, the partially tempted Muslim, Islamic approval is bought from dishonest and immoral, shady ‘scholars’. As per a BBC report, a Dubai-based investment banker revealed that the same products that are offered at conventional banks and businesses are created, however, for them to be Sharee’ah compliant, the banks keep trying their luck with Islamic scholars by calling them up one after the other, until finally, one cedes into the easy income in the form of a handsome bribe and sells his services that include, the glowing Fatwa (seal of Sharee’ah approval).Even the method of gaining an approval is not an example of ingenuity, just like the products. Obtaining approval via bribery in the financial market has been in existence since a long time. You can draw a parallel with the way investment banks bribe rating agencies to award their conventional bonds with a triple A rating.In consequence, with the endorsement of this ‘legal’ deception, the same conventional banking products, albeit with a new dress of Arabic terminology and religious sanction, are sold to millions of this fresh, unexplored sector of the Muslim population, which was difficult to access prior to this stroke of imitativeness.Nonetheless, all is not gloomy. What still remains with us is of great significance and that is the liberty of choice.Times are tough, we have to walk on tiptoes to safeguard ourselves from falling victims to the lure of easy money, yet we have the independence of making our decision, whether it is to yield into the materialistic world or honour our sense of conscientiousness.We will be beset with fraudulence and trickery every step of the way, whether exploiting us in a disguise of religious sanctity, or through some other agency that appeals to our sense of right and values. But then again, essentially, we have been bequeathed with the faculty of thought, analysis, and making calculated decisions. What decisions we make will be decisive of who we are as individuals.The Panama Papers incident should make us question whether the ‘influential’ public figures of today were successful in earning respect for themselves through their scheme of making easy money. That should serve as a reminder and what we should ask ourselves before giving into ways of generating easy money is: whether it really is going to make us more influential, or not? Whether earning money through someone else’s hard work, actually, accounts for anything, or not? Whether influence exists without values, without honesty, without honour and integrity? Whether influence really is directly proportional to the accumulation of wealth?

Loans Guide

Many people are confused by the different types of loans available. Here is a helpful loans guide of the most common loans available today.Bad Credit Personal LoanA Bad Credit Personal Loan is a loan designed for the many people with a bad credit rating. However created, your past record of County Court Judgements, mortgage or other loan arrears can live on to deny you access to finance that other people regard as normal. If you are a home owner with equity in your property, a Bad Credit Personal Loan can bring that normality back to your life. Secured on your home, a Bad Credit Personal Loan can give you the freedom, for example, to do the home improvements or buy the new car you really wanted. With a Bad Credit Personal Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases.Bridging LoanA bridging loan as the name implies is a loan used to “bridge” the financial gap between monies required for your new property completion prior to your existing property having been sold. Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property.The beauty of bridging loans is that a bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. A bridging loan can also be used to raise capital pending the sale of a property. Bridging loans can be arranged for any sum between £25000 to a few million pounds and can be borrowed for periods from a week to up to six months.A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high.Business Loan A business loan is designed for a wide range of small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment. Business loans are generally available from £50,000 to £1,000,000 at highly competitive interest rates from leading commercial loan lenders. They can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.They are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client. A business loan can be secured by all types of UK business property, commercial and residential properties.Car LoanThe main types of car loans available are Hire Purchase and Manufacturer’s schemes. Hire purchase car finance is arranged by car dealerships, and effectively means that you are hiring the car from the dealer until the final payment on the loan has been paid, when ownership of the vehicle is transferred to you.A Manufacturers’ scheme is a type of loan that is put together and advertised by the car manufacturer and can be arranged directly with them or through a local car dealership. You will not be the owner of the vehicle until you have repaid the loan in full, and the car will be repossessed if you default on repayments.Cash LoanCash Loans also known as Payday Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.A Cash Loan can assist you in this situation with short term loans of between £80 and £400.Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a Cash Loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.Debt Consolidation LoanDebt consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one – giving you one easy to manage payment, and in most cases, at a lower rate of interest.Secured on your home debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment – one calculated to be well within your means. With a Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life.Home LoanA Home Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home loan.The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation.
With a Home Loan you can borrow from £5,000 to £75,000.Home Improvement LoanA Home Improvement Loan is a low interest loan secured on your property. With a Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan.A Home Improvement Loan can help you with a new kitchen, bathroom, extension, loft conversion, conservatory, landscaping your garden or new furniture. You can even use it on non-house expenditure like a new car or repaying credit card or other debts.Home Owner LoanA Home Owner Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home Owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home owner loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. With a Home Owner Loan you can borrow from £5,000 to £75,000.Payday LoanPayday Loans also known as Cash Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.A Payday Loan can assist you in this situation with short term loans of between £80 and £400.Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.Personal LoanThere are two categories of personal loans: secured personal loans and unsecured personal loans – See individual titles below. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan.Remortgage LoanA remortgage is changing your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property. You can borrow from £25,000 up to £500,000. Rates are variable, depending on status.Secured Loan A secured loan is simply a loan that uses your home as security against the loan. Secured loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, making a secured loan possible when you may have been turned down for an unsecured loan. Secured loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances.Secured Personal LoanA Secured Personal Loan is simply a loan that is secured against property. Secured personal loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured personal loan; or, have a poor credit history. Lenders can be more flexible when it comes to Secured personal loans, making a Secured personal loan possible when you may have been turned down for an unsecured personal loan. Secured personal loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years.Student LoanA student loan is way of borrowing money to help with the cost of your higher education. Applications are made through your Local Education Authority. A student loan is a way of receiving money to help with your living costs when you’re in higher education. You start paying back the loan once you have finished studying, provided your income has reached a certain level.Tenant LoanA tenant loan is an unsecured loan granted to those that do not own their own property. A tenant loan is always unsecured because in most cases, if you are renting your accommodation, you do not have an asset against which you can secure your loan. Tenants sometimes find that some loan companies will only lend money to homeowners. If you are a tenant you need to look for a company, bank or building society willing to give you an unsecured loan.Unsecured Loan An unsecured loan is a personal loan where the lender has no claim on a homeowner’s property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. The amount you are able to borrow can start from as little as £500 and go up to £25,000. Because you not securing the money you are borrowing, lenders tend to limit the value of unsecured loans to £25,000.The repayment period will range from anywhere between six months and ten years. Unsecured loans are offered by traditional financial institutions like building societies and banks but also recently by the larger supermarkets chains. An unsecured loan can be used for almost anything – a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.Unsecured Personal LoanAn Unsecured personal loan is a personal loan where the lender has no claim on a homeowner’s property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments.The amount you are able to borrow can start from as little as £500 and go up to £25,000. The repayment period will range from anywhere between six months and ten years. An Unsecured personal loan can be used for almost anything – a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.