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Top 8 Free Online Logo Design Tools

This article is all about sharing information regarding 8 free online logo design tools. In this article, you will learn the procedure of using the following online tools or apps in detail.If you are not an efficient consumer of graphic elements like Illustrator or Photoshop, it will be tough for you to design your own logo with your own style. Or you can’t find the logo design company that offers affordable logo design packages or even you only want a logo for absolutely free. Today, I would like to discuss a number of free, but equally professional and stunning logo design tools with you to assist you to get a unique logo. All these online services have thousands of free logos crafted for you to select from, and you can edit them as per your innovative ideas. You get a logo in just a few minutes. All these tools run on the web, you can directly access them from the browser and start making your logo.

Logo Maker

LogoMaker is indeed a free online logo design tool that lets you make 6 free logos with just a few clicks. You can use a logo for any type of project like business or use on your website with a professionally designed logo store. They have been offering their services for a long period of time and they have proved themselves to be one of the top online design tools in the design industry.

Flaming Text

You can get logos for companies, brands or products with this online tool. Their library has thousands of stunning icons that are updated every week. Apart from this, you can also consume this tool to make your own logo.

Logo Garden

LogoGarden is a free tool that lets you generate logos in high-definition for absolutely free. You can select any of the countless logos from their library and can edit them in any form. After just some pretty easy steps, you will have an awesome logo and download it.

Cool Text

This is the best option for you if you like a text style logo. This online tool lets you make amazing text logos, you can edit fonts, colours, etc. quite comfortably.

Graphic Spring

GraphicSpring does have a user-friendly interface for logo design. You can select any of the built-in logos from their library, you can add fonts, text, change colours and more as per your brand’s demand.

CoolArchive Logo Maker

CoolArchive gives a lot of attractive logos for your website, you can add fonts, colours, and sizes fairly easily. Apart from this, it also incorporates a lot of materials for you to craft logos such as graphics, icons, texture, buttons, etc.

LogoWizPro

LogoWizPro allows you to design your own logo freely without any other assistance. This is a free online logo maker tool suitable for those who desire to take control of the whole process of logo design.

Logo Ease

LogoEase is one of the online logo maker tools to assist you to make a free logo template in just a few minutes. After the design is done, it lets you save the logo in many multiple formats like JPGFind Article, PNG... The library does have a lot of fonts and images available for you to select and utilize really easily.

Business & Finance

2020 Top business ideas with low investment

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2020 Top business ideas with low investment

Starting a business can seem like a mountain of a task. But the amount of time, money, and risk involved all depends on the business idea you chase. Low investment business ideas make a great entry point for beginners. You still need to come up with a business idea, build a brand, marketing service and customer service. But you can bypass many traditional startup costs, warehousing, inventory and retail space.

Here are low investment business ideas that will help you grow in a small town.

1) Food trucks

Food trucks are not an entirely alien concept to a small town. Food truck allows it to place, itself at different locations at an ideal time. A food truck can park outside a school, and outside an office. Food trucks are a perfect small budget business.

2) Preschools

Preschools can be opened in small domestic spaces. You can open the preschool but you have to invest small capital. Owning a preschool is a huge responsibility and required for the children.

3) Selling Icecream

Ice cream never goes out of demand. Selling Icecream work great around cinema-theatres or popular food joints.

4) Tourism

Though this option is highly dependent on the location of the small town, have enough character to attract tourists, especially old cities. In this business, you have to be a profitable low investment, but involves high stakes in terms of time and knowledge.
5) Translator

Speak a foreign language? Start translation service. Consider specializing in a specific genre of translation, like medical or financial translation, as you might be able to fill in your community.

6) Garden Designer

Many people have the willingness to do the dirty work in their backyards, but few have the know-how to design a garden space, to begin with. Draw up the designs for your customer's garden spaces.

7) Photographer

Start by conducting a photo shoot for your family and friends. The photography business is never out of demand. Are you talented in this business? Then, you have to build up your talent in this business. You have to think about various ways in this business. Example: create a Facebook page where you can tag recent clients and build up in this business.

8) Beauty Salon

You could go to cosmetology school and pay for an expensive chair at a salon,
or you could offer specialized styling and makeup services right to your client's door.

Business & Finance

How to make a business plan

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how to make a business plan in the right way is a very famous question among the businessman. A business plan refers to what your business is, where it is going and how it will get there. The business plan outlines in specific terms the financial objectives of your business and how it will position itself to achieve those goals in the context of the current market environment.

1.Determine the business plan
All business plans share the common objective of describing a business purpose and structure, analyzing the marketplace, business products.

2.The basic structure of the business plan
The business concept is the first element of the business plan. The focus here is on the description of your business, market, products and organizational structure. The market analysis is another one. Your business will operate within a particular marketplace, and it is important to the customer. The financial analysis is important to the business plan. If your business is new because you have to found the business profit or loss, business capital expenditures.

3. Have to create a market analysis-Research, research, research.
Include information about your target. Include a competitive analysis that provides research and information on immediate competitors. List your and your main competitor's strengths and weakness.
The section is extremely important because you have to get the ideas about the competitor's weaknesses and your business will gain market share by capitalizing on the competitor's weaknesses.

4. Describe your product and service
What is selling? What's so great about your product or service? How will customers benefit? How is it better than your competitor's products o services. You have to create new ideas in this section. Always you have to produce or supply the quality products or services.

5. Your marketing and sales strategy
In this section, explain how you intend to penetrate the market, manage growth, communicate with customers and distribute your products or services. Be clear in defining your sales strategy. Will you use sales representatives, advertising and social media marketing.

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Business & Finance

How to start a your Own business

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When you consider some of the most popular reasons to start a business, you should have ideas and skills. But not every small business is positioned for success because you have to take risks, energy to run a business, need to finance the business, machinery, building, insurance and raw materials etc. You have to follow all of the above steps when starting your business can set the foundation for success.

1) You have to plan finances for your starting a business.

Starting a small business doesn't have to require a lot of money, but it will involve some initial investment as well as the ability to cover ongoing expenses before you are turning a profit. This is the hardest thing to obtain in a start-up business. Finance is very important to fund.

You will need to initial investment in other ways. There are financing, small business loan, and small business grants. Create a plan for starting your small business, set up the capital you need to get your business.

2) Choose a business structure.

Another one, you have to choose a business structure. your small business can be a sole proprietorship, a partnership, a limited liability company (LLC) or a corporation. Have to choose an initial business structure, and then reevaluate and change your structure as your business grows and needs change. Your business name plays a role in almost every aspect of your business, so you want it to be a good one. Once you have chosen a name for your business, you will need to check if it's trademarked or currently in use. Then, you will need to register it. A sole proprietor must register their business name with either their state or county clerk. Corporations, LLCs, or limited partnerships typically register their business name when the formation paperwork is filed.

3) Business location.

You have to set up your business location. Setting up your place of business is important for the operation of your business. You will need to think about your location, equipment, and overall setup.

4) Choose your accounting system.

Small businesses run most effectively when there are systems in place. One of the most important systems for a small business is an accounting system.
Your accounting system is necessary in order to create and manage your budget, set your rates and prices. You can set up your accounting system yourself.

5) Promote your small business.

Once your business is up and running, you need to start attracting clients and customers. Customers are very important to any business. Without them, the business will fail. You have to create a market plan (small business market plans). Once you have completed these business start-up activities, you will have all of the most important bases covered. Keep in mind that success doesn't happen overnight. But use the plan you've created to consistently work on your business, and you will increase your chances of success.

We have to need small business growth because of the benefit of economies of scale (lower unit cost because of increase in size), larger market share ( can change the higher price to gain more profit) and survival (from other competitors). Business growth can be measured in many ways. There is sales turnover (Revenue), Number of employees, share capital, market share and number of outlets.

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Business & Finance

4 Things to Know Before Investing in Cryptocurrencies

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Investing in cryptocurrencies is a recent fad but has revolutionized the banking industry, changing the way how investors deal with currencies. Trading in cryptocurrencies is a smart way to spread your investment portfolio while mitigating the risks. However, before you put your money in cryptocurrency, it is important to measure the benefits and risks. Investing in cryptocurrencies brings a fear of the unknown.

In this post, we have discussed a few important things that you should know before getting started with cryptocurrencies.

1) Cryptocurrency is here to stay
There are numerous ongoing debates questioning the effectiveness of cryptocurrencies. However, recent trends and a growing number of cryptocurrency exchange platforms clearly indicate that it is here for a long haul. The cryptocurrency market has been flourishing at a rapid pace and that is because investors are seeing remarkable potential in it. While it helps diversify your investment risks, the profit-earning potential is quite high when you invest smartly.

Bitcoin is a pioneer in blockchain-based cryptocurrency and happens to be the most valuable and popular cryptocurrency today. However, several competitors have also made a stronghold in the market. These include Litecoin, Ethereum, PPCoin, Namecoin, Ripple, Monero, Dash and Zcash. So, you have numerous options for spreading your investment risks across different cryptocurrencies.

2) Invest Money that You Can Afford to Lose
Any kind of investment brings certain risks and digital currency is no exception. The price of cryptocurrencies is highly volatile and you need to be very patient when investing in cryptocurrencies. Considering the unstable market condition, it is recommended that you invest only that money which you can afford to lose. Having said so, it is remarkably easier to gain money in cryptocurrency as it is to lose. So, if you are able to bet smartly on the right currency and with the best cryptocurrency trading sites, you are very likely to gain huge profits.

3) How to Invest in Cryptocurrency
Selecting the right place to buy a cryptocurrency and a place to store or liquidate it is very important. There are many cryptocurrency exchange platforms; however, you need to make sure you choose one that offers a wide range of benefits in terms of storage, liquidation, exchange and other facilities. One such reputable crypto trading platform is the SUISSE BANK. The offshore banking institution is licensed in the Union of Comoros and provides a seamless experience buying, selling, depositing, storing, withdrawal, transfer or liquidation of any crypto into fiat.

For this, you need to open an offshore private or corporate bank account and you will get a secured all-in-one wallet through which you can perform all crypto transactions. Most currencies provide the option to buy fractions. This helps mitigate the risk of putting thousands of dollars to bet. If you want to buy altcoins, you might have to spend some Ethereums or Bitcoins to make such a purchase. That is because investors cannot purchase altcoins using fiat money. Once you buy the crypto, you can send it directly to the wallet.

4) Storing Your Cryptocurrency
Once you invest in a crypto, you need to store it in your cryptocurrency wallet, i.e. where you can securely store the codes. It helps keep a tab on your cryptocurrency portfolio. Typically, there are two types of wallets available when you open an account with any cryptocurrency exchange platform – hardware wallet or a software wallet. Choosing the right crypto storage wallet depends on how frequently you will use the currencies.

A hardware wallet is a physical device that remains in the bank but you are the sole custodian and in full control of it. It is highly secured and is suitable to store currencies that you are not planning to use a lot. On the other hand, a software wallet is easy to access and is a good choice for active trading. HoweverComputer Technology Articles, it is less secure than a hardware wallet.

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Business & Finance

Retirement Income -- Will You Have Enough?

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You could spend as much time in retirement – 30 or even 40 years – as you have spent saving for it. That is why planning for your retirement savings to generate income is critical.

Developing a solid plan and appropriate investments for years of income is well worth your efforts.
For example, switching your investing approach from growth to conservative to protect yourself against volatility on the eve of retirement may not be the most prudent financial decision anymore. After all, because of inflation and the increased odds that you could live well into your 90’s, conservative thinking may threaten your long term financial security. Preparing your portfolio for retirement is, in large part, about finding the right balance of growth and income to keep your assets working throughout retirement. It is about trying to protect against inflation and trying to make sure you will have income if you outlive the averages. Finally, it is about an appropriate asset allocation, including equity investments, to meet both your current and future income needs.

Equity investments generally involve greater risk than other investments, including the risk of possible loss of principal. However, we would like to present you with some alternative options that may keep your portfolio working hard as you enjoy retirement. It is more than just a retirement portfolio…it is your future income source. If you are concerned about income throughout retirement, it may be time to re-engineer your portfolio to generate an income stream for 30 to 40 years.

So what is a reasonable percentage to withdraw on an annual basis? One study looked at that question based on actual market returns from 1926 to 1976. The study concluded that to ensure your assets lasted for 50 years, your initial withdrawal rate should be no higher than 3% to 3.5%, with subsequent withdrawals adjusted for inflation. To ensure assets last 30 years, the initial withdrawal rate could increase to 4%. These withdrawal rates assumed a stock allocation of 50% to 75% of the total portfolio. Due to the possibility of a major market decline soon after retiring, the study did not recommend stock allocations over 75% (Source: Journal of Financial Planning, March 2004).

Another study took a different approach to this question. By adding other asset classes to the portfolio, including international equities and real estate, and establishing fixed rules for rebalancing the portfolio, this study concluded that to last 40 years, the initial withdrawal rate could be 4.4% with a 65% weighting in equities and 5% with an 80% weighting in equities. If the retiree was willing to forego increases in withdrawals in certain circumstances, such as when the portfolio's ending balance is lower than its beginning balance, and limit inflation increases to 6%, withdrawal rates could increase to 5.1% to 5.8% (Source: Journal of Financial Planning, October 2004).

What conclusions can be drawn from these studies?

1. Your withdrawal percentage should be modest to ensure you don't deplete your assets. While the two studies reach different conclusions, they advocate initial withdrawals of modest amounts ranging from 3% to 5.8%. With a $1,000,000 portfolio, that means your initial withdrawal will range between $30,000 and $58,000. You need to carefully look at your assumptions before deciding between the high or low end of these estimates.

2. Equity need to remain a significant component of your portfolio after retirement. Both studies were based on stock allocations of at least 50% and up to 80% of the total portfolio. With lower allocations to stocks, you would need to decrease your withdrawal percentage even further.

3. Buy “quality” while emphasizing income and dividend growth. Focus on acquiring globally dominant businesses with high returns on invested capital and a long history of dividend growth. Examples in early 2006 would include Bank of America 4.3%, Pfizer 4.0% and Coca-Cola 3.0%. All three companies have paid increasing dividends for decades and doubled their dividends in just the last 7 years.

4. Review your calculations every year. This is especially important during your early retirement years. If you're depleting your assets too rapidly, you can make changes to your portfolio, reduce your expenses, or consider going back to work. As you age, your options become more limited.

5. Work as long as you can. Supporting yourself for a retirement that could span 25 or 30 years requires huge sums of money. Consider working at least a couple of years longer than originally planned. Many skills you acquired during your career transition well into consulting or seasonal work. During those years, you can continue to build your retirement assets and delay making withdrawals from those assets. Once you do retire Psychology Articles, consider working at least part time to reduce withdrawals from your retirement assets.

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