Clients on Demand – Is Russ Ruffino’s Coaching Right for You?

One of the greatest challenges for businesses of all sizes is not only attracting potential customers, but closing the deal on the right kinds of customers. This can be especially challenging for professional service providers. It is impossible to scale your time the same way you might scale production on a physical product. How can you find clients who are thrilled to work with you and are willing to pay what you are worth?

Helping you crack this puzzle is Clients on Demand. Whereas other client attraction strategies may be effective in growing your audience, what you really want is to grow your client base. And, by extension, grow your income. You need the right strategies and techniques for the job, and that’s where Clients on Demand can step in to teach you.

Finding the Right Clients

Perhaps you’re a professional coach or a business consultant. Maybe you’re an exceptional copywriter or a world class data analyst. In all cases, it doesn’t matter how great you are at what you do if you don’t have clients for whom you can do the work. And when you’ve only got the same 24 hours in the day as everyone else, you want to ensure that you are being fairly compensated for your time. 

You want to work with clients who won’t haggle you over your rate, because they understand the value that you provide. In other words, you don’t want to waste your time with the “wrong” clients and you want to focus your time and energy on the “right” clients. Ideally, the perfect clients. This is at the core of what Clients on Demand strives to achieve for you.

Blogging and podcasting might work in elevating your presence in the marketplace. However, you still need to attract and close the deal on clients who will actually pay you. Clients on Demand zeroes in on marketing techniques that focus on the bottom line. They teach students how to scale their businesses “without endlessly grinding out content.” You get technical and “mindset” support to take the necessary action. 

Russ Ruffino, Founder and CEO

Russ Ruffino created the Clients on Demand system in 2010. He wanted to show professionals how to gain access to quality leads (and sales) in an almost automated way. He understood then, as he understands now, that professionals need more leads, more cash flow, and more free time. 

Over the years, Russ Ruffino and Clients on Demand have helped thousands of entrepreneurs sell millions of dollars worth of products and services. 

It’s with that kind of passion and mindset that the Clients on Demand team has grown as well. From the executives to the coaches, the strategists to the client experience specialists, they’re motivated and driven by results. Business owners can appreciate that it’s not about vanity metrics. Rather, it’s about getting real, meaningful results. 

Who Is Clients on Demand For? 

The truth is that Clients on Demand isn’t for everyone and they acknowledge this on the About page. In order to benefit from Clients on Demand coaching and support, you have to be “coachable, decisive [and] resourceful.” What this also means is that you “must be dead serious about scaling your business to 6, and then 7-figures… while helping your clients win every step of the way.”

This contrasts with who may not benefit from Clients on Demand: 

1 – The system won’t work if you’re looking to “get rich quick,” because it still takes hard work. They can help you make it “simple,” but it won’t be “easy.” You need to put in the work to realize the results you desire.
2 – Clients on Demand is focused on professionals who command (or want to command) premium prices. This is where each new client brings upwards of $10,000 through the door. You need to solve “a major life or business challenge.” If your service is a simple commodity, COD probably isn’t for you either.
3 – As much as it’s about increasing your bottom line, it’s really about delivering the best outcomes for your clients too. Clients on Demand expects that you are equally committed to and invested in the success of your own clients. And you’re willing to do the work to ensure that success for them.

To succeed with Clients on Demand, you need to be driven, ambitious, and dedicated. They won’t do the work for you, but they can help you learn how to work smarter.

Clients on Demand Reviews

Many entrepreneurs have seen their businesses flourish after working with Clients on Demand. To learn more about existing and previous entrepreneurs and business owners that have went through CoD, you can see plenty of examples through the Clients on Demand Reviews Hub.

  • Monika Hoyt (Relationship Coach): “My cost per call booked has been between $15 and $35 for the past four months. 30 days ago I raised my price point to 9k and enrolled 4 beautiful clients since then.”
  • Chris Strouthopoulos (Ascent Coaching): “Yesterday I enrolled my first client at $5k, the price I finally believe I’m worth. When I launched my funnel in July the first calls didn’t go well. Lots of money objections. I caved, ignoring COD’s advice and dropped my price to $3k…. This is client #10 so I stuck my flag in the ground and declared it’s time to step up. I’m so glad I did.  The very first client I offered my new price to didn’t flinch. PIF with no objections. I danced.”
  • Lauren N. Sellers and Wendy Nolan-Sellers (Trust the Vision Decor): “?Picked up a dream project for a new client’s home build on the beach which puts us on track to have our first 100k month! I’m claiming it! Woohoo!”
  • Garric Vosloo (Functional Medicine Fast Track): “This is really in Prep for my mindset for 2021 because an enrollment a day or 7 a week is my goal broken down which results in our $4m+ for 2021 numbers. (BTW 2020 goals have already been achieved and taxes paid for our $2m+ goal. 2019 was $1m+ so it makes sense to keep doubling…lol. Why not!!!)”
  • Ilana Golan (Growth Strategist): “This is a total of $74K in 43 days since finishing COD which is more than I’ve done on my program this entire year!”

You get the idea. Dare to dream big (and be prepared to work for it). 

Start With the Free Training

To get more of a sense of what you can expect from Clients on Demand, watch their training video for free. The 40-minute video covers a “super simple 4-step funnel that takes prospects from ‘click’ to client in less than 48 hours.” 

During the video, you’ll see how they’ve been very successful with Facebook advertising, for example; they earn $10 or more for every $1 spent. The video also talks about why blogging and other forms of content marketing are ineffective in attracting new clients. Instead, you’ll learn what you can do instead to generate momentum today.

As discussed above, a big component here is deciding on premium pricing for your services. Then, it’s about marketing to the right clients who will enthusiastically pay those rates. That’s how you scale your coaching or service business effectively.

Scale Your Business and See More Results

Finding clients can be hard. Finding the right clients, the ones who are willing to pay what you think your services are worth, can be even harder. With Clients on Demand, you’ll have the opportunity to learn strategies and techniques to grow your business with the client base you desire. You’ll need to work hard, and it won’t happen overnight. But, with the right system and the right support, you can potentially achieve extraordinary results too. 

How to Kill it With SEO for Your SaaS

A growing number of online entrepreneurs and businesses are realizing that even with a great SaaS, getting your offering the exposure it needs to provide you with those big returns, in a sea of highly similar and competitive options, is a major undertaking.

You can absolutely focus on paid acquisition strategies and social media to provide a short-lived stream of users. But if you want that long-term, self-sustaining, scalable growth, then your SEO game needs to be on point, because it is the marketing foundation upon which all others will succeed. Below are some things you really should be doing if you want to kill it with your SEO and make your SaaS stand out. 

Understand Your Buyer’s Journey

Most buyer journeys for SaaS are non-linear, which is to say, they will not always come to your site in search of a solution to their problem. Sometimes they do, but they often have no idea you are offering one, and so they find you through questions asked online. Invariably, those questions are asked via Google, by searching long and short-tail queries relevant to customer problems. “How do I do X faster,” how to make X simpler,” searches in this vein. 

Your SEO, therefore, should be layered, with different content focused on different stages of the journey. The beginning stage involves blog content that focuses on the targeted keywords contained in your customers’ “problem-solving” searches. This blog content should start as an informative description that aims to educate, and gradually lead into how your particular SaaS is the solution to their problem.

Content geared towards those in the second stage of the journey is targeted at those who are aware there are SaaS solutions to their problems, but shopping for providers. Your SEO at this stage should be focused on middle-of-the-sales-funnel keywords that are describing what it is your service provides–”the best email outreach,” “the best CRM,” “the best productivity measurement tool.” Instead of the educational tone that you would use at the beginning of the customer’s buying journey, focus on specific features, integrability, and product categories. 

Those at the final stage of their buying journey (i.e., the buyer knows what they need, why they need it, and which specific products meet those needs) require an even different content approach. Here is where buyers compare and contrast their shortlist of products to see which one makes the most sense for them. This is where you should be attracting product-aware buyers using keywords that focus on comparisons and alternatives–“versus” lists and “alternatives to” lists. 

Link Building: The Other Vital Piece of the Puzzle

SEO is really a dual process. It involves content creation–which we just covered–and link building. Layered content that attempts to reach your target market during different stages of the buying journey is crucial. But that, plus a steady supply of solid backlinks from relevant high DR sites, will take your SEO to the next level.

Link-building, however, unlike content, is more painstaking and requires more expertise. It is a much more systematized process and the investments required to learn, do and scale it (not only money, but in time and opportunity cost) are too much for many businesses to handle in-house. If you are serious about dramatically increasing your visibility, look into a solid link-building service, especially ones that specialize in generating high-quality SaaS links. 

Most of the reputable link builders will work with you on a pay-per-link arrangement, which means a budget is established and then each time a link is built, you are charged. The more solid DR sites you have linking back to your SaaS pages (whether your home page or specific content pages), the higher up in Google’s search results your site will appear when people look for keywords related to your service. 

Don’t Forget About HARO

People who use HARO (Help a Reporter Out) either love it or hate it. Pitching HARO queries takes time and it can be a while before you see a return on that investment. Sometimes the articles you are hoping to be featured in won’t be published for four, six, maybe even twelve weeks. What makes HARO so valuable, however, is that it’s free. Anyone can sign up for HARO and start responding to blogger and journalist queries. 

HARO shouldn’t be the only way you build links for your SaaS, but it should certainly be one of them. The chance to score high DR links from relevant sites for free is too important to pass up, and if you have real expertise in your niche and can write a good ~200-word quotable response that answers a query’s questions or provides unique insight, you can land some really solid links. Try to leverage both your personal expertise and your niche’s relevance (either together or separately) when choosing which queries to go after. 

Build A Social Media Presence 

YouTube is the web’s second-largest search engine behind Google (its parent company). It has over 2 billion monthly users and it is the next major SEO frontier. When was the last time you searched something in Google and the top results were YouTube videos on the topic? Those results could (and should) be you. If you have an SaaS and you want to convince prospective customers they should buy it, show them how it works on your branded YouTube channel. 

You can create ‘sister’ YouTube content to accompany your blog posts (which you can also cross-promote) and apply the same SEO keyword tactics to coming up with the titles and descriptions of your videos. Your YouTube content can include “how to” videos on the various functionalities of your service; troubleshooting videos, and you can even use YouTube as a place for feedback that can be incorporated into future patches and designs. You can count on brutally honest YouTube users to tell you where your service’s shortcomings are and what you might change to improve your UI and UX. 


SEO, when done right, is the absolute best way to build an affordable, long-term marketing plan that can be scaled as you go and which, when done right, becomes self-sustaining. Getting your SEO off the ground takes some time and money, but if you pick and choose who you work with and where you allocate your resources, you can build a large pool of potential customers who are in the market for precisely what your service offers. Keep the above tips in mind and you will absolutely kill it with your SEO for your SaaS.

Workers Compensation Secrets for Small Businesses Revealed

Are you a small business with employees? If you are, you need to have worker’s compensation coverage to protect yourself, your employees and your business at all times.

Are you hiring a steady stream of contractors? The same holds true here as well. You should start researching worker’s compensation coverage, so that you’re ready the day someone gets classified as an employee.

Here are some of the worker’s compensation secrets for small business that shouldn’t be so secret. 

Worker’s Compensation Claims Aren’t Limited to Industrial Worksites 

The classic worker’s compensation case involves a construction worker falling off a roof or an industrial worker maimed by equipment. However, worker’s compensation claims can arise in almost any workplace.

An employee injured in a car crash while driving your delivery van can file a worker’s comp claim. Office workers are more likely to file worker’s compensation claims for repetitive stress injuries, but they could get hurt carrying boxes down stairs or getting sick when exposed to chemical fumes. 

Worker’s Compensation Claims Can Lead to Legal Battles 

Worker’s compensation claims can lead to legal fights. An employee can fight for greater compensation, and they should fight allegations that the workplace injury didn’t occur in the workplace. After all, a finding that the injury occurred off-site or is unrelated to work means they don’t have a worker’s comp claim. If the boss ordered people to work in unsafe conditions or pushed them to violate rules in place for people’s safety, the company doesn’t just have a worker’s comp claim when someone is hurt. They’re also liable for safety violations.

Employees often get legal help, because getting a settlement can be difficult. They may be unable to fill out detailed paperwork because of a traumatic brain injury or when taking pain medication. Or they may have trouble getting all the paperwork together to get the full compensation they’re owed.

For example, they may have requested compensation for their emergency room visit but not yet addressed the mounting bills for ongoing care. Insurers who are slow to pay bills create an undue burden on the employee, and this can lead to interest and penalties as well as legal bills for everyone involved. 

According to the NCS, the majority of worker’s compensation costs by cause through 2017-2018 were as a result of motor vehicles, burns, falls and slips, and more.

As you can imagine, in nearly all of these scenarios, the incident probably could have been avoided — which means there is no reason for employees to ever be injured while on the job.

Worker’s Compensation Is Similar to Every Other Insurance Policy You Pay For 

Worker’s compensation is a form of insurance. You pay premiums based on several key risk factors. One is location. The premiums will be based in part on the state you work in, because different states have different rules. The type of work is a major factor.

Some industries are much more dangerous; construction and industrial workplaces are two such examples. Logging, fishing, and agriculture have greater than average risks, too. Premiums are also based on your payroll. You pay more when you have more people to cover. Then there is one’s claims history. If you have more accidents than average, you’re going to pay far higher worker’s compensation insurance premiums.

On the other hand, if you work with the insurer to mitigate obvious risks, your premiums may go down. If you make changes and no longer generate a steady stream of claims, your insurance company will eventually lower the premiums. Workers’ compensation typically considers the employer’s liability to be limited, but bad practices that cause people to be regularly injured or oversight that results in a major accident can leave you liable. 

Worker’s Compensation Is Not Just For Big Business 

Are you hiring contractors? You may want to prohibit someone from being hired for a job unless they carry their own workers’ compensation insurance. Sole proprietors can buy worker’s compensation to protect themselves, too.

Effective Employee Training Tips for Long Term Success

With more businesses and organizations changing the way they conduct business in the world today, it’s important for them to implement the necessary training and online accessibility that employees need to complete their daily tasks.

As we continue to see more businesses focus their efforts on ‘work from home’ and teleconferencing, the idea of including employee training through similar methods is catching on as well.

To better understand the importance of employee training within the workplace and how businesses and brands of all sizes can start incorporating such methods, we will be highlighting some of the many benefits and reasons why employee training is now more important than ever before.

Employee Training that Works for Your Employees and the Business

Before going live with your own internal training courses, content and videos, it’s important to know who you will be training, the key goals in mind and making sure that your material is going to work for not just the employees and team members in your organization, but also for the good of the organization as well.

As highlighted in this recent article from Entrepreneur, employee training shouldn’t just feel like a requirement, but instead another growth mechanism for the business in general.

Don’t implement a training program just to go through the motions. That’s likely a colossal waste of time. Instead, set clear goals for what each employee should know and be able to do at the end of the training program.

To best accomplish this, you will want to make sure you have clear goals in mind before getting started. These should largely depend on the state of your company, and the specific roles that you are looking to fill.

By knowing who your new hires and what they should be getting out of your training, will allow you to create course and training material that works best for the business and your employees.

With this same mentality in mind, you also want to tweak and improve your training material as the growth and focus of your organization changes over time. After all, you wouldn’t want to be training your new hires today with the same information as you would for new hires in a few years from now.

Employee Training Sets Everyone Up for Continued Success

While the idea of setting up such training and having your team members and employee go through such training might not seem that exciting to either side, the truth of the matter is that it works quite well.

This is especially true for larger businesses and organizations that will be hiring a lot of people to fill the same roles, while also preparing them for higher responsibilities down the road.

Through the use of online training or individual courses, the process of training employees can be replicated and automated, without the need to have another team member spending their valuable time in one-on-one training sessions.

This is also something Indeed has continually talked about in their training resource guides.

Training programs can also help prepare employees who are moving into higher roles and taking on more responsibilities in an organization. These programs will help them learn the skills that are required to function effectively in their new positions. For example, they may be trained in leadership skills or in a specific software they will use in their new role.

At the same time, with all employees and team members going through the same training, there is no excuse for everyone to not be on the same page.

In the end, the benefits of setting up online training and video courses for businesses and brands of all sizes, is a win-win across the board.

Training to Expand the Growth of Your Business Team

When Fortune 500 and Enterprise organizations are hiring, they are often looking to bring in new people that are going to grow with the company and not leave within the next couple of years.

Through the use of advanced training options, the process of improving the skills, knowledge and expertise of employees can grow and be implemented at a much faster pace.

By offering advanced training to team members and employees, this will not only allow for a faster and improved training process, but it will also allow for individuals to improve their skills and expertise on their own time and pace.

How to Get Started with Your Own Employee Training

As mentioned throughout this article, in order to create the best training possible, you need to know what your employee and business needs are before getting started.

With so much focus on this topic lately, Forbes recently touched on this process and recommended doing the following before getting started.

  1. Create a plan
  2. Host regular training sessions
  3. Use employees as trainers
  4. Cross train workers
  5. Set training goals

No matter what course material or training platform you intend on using, all of these preparation tips can be done before any of the content and training is created.

Lastly, in order to get the most out of your training course, platform and efforts, you need to provide your employees with the necessary tools and resources.

This means not just handing course material and training off to them and then leaving them in the dark, but also following up and providing advanced support and training in the months and years to come.

What To Look For On Personal Injury Law Websites

Suffering injuries as part of an accident can, unfortunately, happen anywhere, anytime. It can be very difficult to avoid this, no matter how careful you are. You can get injured at work or as a result of being involved in a car accident. Regardless of how it happens, injuries can have serious impacts on your life as you may be affected physically, emotionally, and financially. For these reasons, it is crucial that you seek legal representation as personal attorneys can help you get the financial compensation you are entitled to.

If you have never been through this before, thinking about lawyers and the legal system overall can be rather overwhelming and stressful. However, technology has simplified this process as you can now make sure that you look at the different websites available in order to find the most suitable attorney for you. In this article, we will advise you on what to look for on personal injury law websites.

Personal Injury Expertise 

As mentioned previously, personal injury can cover a range of different situations, from workplace accidents to road collisions. Personal attorneys can provide you support with this, but it is essential that you know what support they offer exactly. One experienced personal injury lawyer suggests what to do if you find yourself in this position and how a lawyer would be able to support you through this journey. Obtaining professional support can make a significant difference in your recovery journey.

Support With Auto Accidents

If you require particular support in this area, the website you look at, you should have a clear definition of the different types of auto accidents and how the firm specifically deals with these. Auto accidents range in variety and can involve two vehicles, motorbikes, trucks, pedestrians, and even accidents involving alcohol consumption as a contributing factor. 

All of these have different factors that must be taken into consideration by the legal representatives. This is one of the most common cases personal lawyers deal with. Therefore, take your time to compare websites and even contact different firms directly to discuss your case specifically.

Medical and Drug Injuries

Many people seek treatment from doctors and other health professionals on a daily basis. Certain factors like hospitals being overcrowded and understaffed and professionals’ lack of experience can result in malpractice. This means that patients can be prescribed or administered the wrong medication or treatment. However, this does not always cause severe issues. It can lead to serious health difficulties, depending on the condition of the patient and how soon they realize they have the wrong medication. In such cases, lawyers require specialized knowledge of the medical industry and how to best support you.

Workplace injury

Sustaining injuries as part of your job can be a very difficult situation to be in. Not only the impacts this has on your health, but potentially the impact this can also have on your relationship with your employer. Every company should have health and safety protocols and policies in place to ensure that their employees are safe at all times. Moreover, it is your duty as an employee to follow these and not put yourself in situations where you are prone to suffer from injuries. In this instance, the lawyer’s role would be to help you prove that the accident was not your fault, and you alone could not have prevented it.

Definition of Negligence

In any legal case of personal injury, the most important thing to evidence is culpability. You need to determine that the accident was not your fault, and it was the result of a third party’s negligence. It is essential that the website you look at tells you precisely what this means and that they do not promise you 100% wins, as cases can go either way.

Introduce The Team

Every personal injury law website should have all the information of their team visibly displayed so that potential customers get a feeling about the people they may be working with. Such legal cases are personal, and victims may be recovering physically and emotionally from the accident – Plus, going through the legal system just adds more stress on top of everything. Having someone on their side that they feel comfortable with is imperative to make them feel more open and relaxed.

Reviews of Previous Customers

No matter what service they provide, every website should have a page dedicated to customer reviews – this is where you can see what other people’s experiences of using the lawyers were and will paint a picture of what you should expect. Although bear in mind that every individual and every case is different, and what works for some may not work for you.

When you become a victim of personal injury, it is essential to look for legal help to support you through the process of claiming compensation. Make sure that you read the tips above so that you know what to look for exactly on personal injury law websites. 

How to Prepare a 1099 Form as an Independent Contractor

If nothing, this year has taught us that we should be prepared for different and sudden changes. It has hit a lot of aspects of our lives, including 1099 forms. This information is especially important for people who are either contractors or have hired someone who is.

If you are just getting started or your company is contracting outside help, then you are probably familiar with the IRS Form 1099. Maybe you do not know every single detail about it but you have probably at least heard of it.

To many, it sounds too complicated. Something that requires too much time, but actually it’s not really the case. If you have the right tools and processes in place, you can actually be done with it faster than you think.

If you are not sure where to begin and how to prepare it, we will give you a list of things that might be helpful to you. You need to take care of the basics before doing anything else, so let’s begin!

What Does This Form Represent?

Starting From Scratch

Before we start explaining the preparation, let’s first learn more about this form. So, if you hire someone, for instance, a gig worker, a freelancer, or anyone else and you pay them more than 600 US dollars then you are obligated to prepare and issue an IRS Form 1099-MISC.

Why does that matter? It has to be done, so they can file for an income tax return. Furthermore, this document is used by small businesses, independent contractors, or any other individual that isn’t an S or C-level corporation. 

They use this document to report how much they’ve earned as well as determine how much they will owe. It’s important that you send out this form to anyone you’ve hired and paid more than 600 US dollars. Moreover, this also involves LLCs or any partnership you have contracted.

How To Prepare It?

Track Your Records

The first step you have to take during this process is to gather all the information you have about your independent contractors. You probably remember that you have filled out the Form W9 before you have hired anyone.

This form should contain the name, the address, and Social Security Number (SSN) or Employer Identification Number (EIN). It would be advisable to see if that person has changed any of this information before you continue with the process. 

Acquire The Forms

It may seem logical that you should just find the paper forms on the internet and simply print them out, but unfortunately, that’s not how things work and the IRS would definitely not accept them. You need to get the official 1099 forms from the real source. Where to go?

1 – From your payroll software provider: For example, you can utilize an accounting program such as FreshBooks.

2 – From the IRS: Go to their official website if you want to obtain this form or you can just contact 1-800-TAX-FORM (1-800-829-3676).

3 – From an accounting corporation: Most local accounting companies have a plethora of these forms. Buy it from them.

4 – From an office supply store: Find the nearest office supply store and see if they have it. They usually do.

Calculate Your Deductions

To many, this seems like a never-ending process. Creating a list of 1099 deductions is a bit exhausting, but you simply must calculate them. Start by deducting any costs that are classified as “ordinary and necessary”.

This means that you need it to do your tasks and it is also an expected part of your job. Further, there are some expenses that you shouldn’t count as deductible, such as acquiring expensive business clothes.

Besides this cost, other common expenses involve things like gas to drive people, any brand-new software or computer, as well as electricity expenses if you are working from home.

Anything Else?

Complete The Forms

One of the first steps you have to take is to determine the gross income for the last tax year. This shouldn’t be anything too complicated. Just add up the amount on each 1099 form you have.

The second thing that must be done is to utilize Schedule C to add up all your deductible business costs. That means that if your costs are less than 5,000 US dollars, plus you do not have any workers and you are not deducting for your office at home, then you can freely utilize Schedule C-EZ. This option is much more efficient and faster.

Make sure you have obtained form 1040. This one is important because you will have to write down all your expenses on it to uncover your net income. This form comes with the table that contains instructions as well as your net income. They should help you determine how much you owe in state taxes and income.

After you’re done with this, ensure to calculate your Social Security and Medicare contributions. The rate for 2017 is 12.4% of your income for Social Security and 2.9% for Medicare. Add these amounts on form 1040 and also add them together to determine your self-employment tax total. 

Send The Forms To Vendors

Don’t forget to send a copy of the 1099-MISC forms to all your contractors. Do it as soon as you can to give them enough time to include it in their personal tax returns and report their yearly income. It’s important to respect the deadline, because if you don’t, the IRS may penalize you with fines.

Submit The 1099 Forms

There are two ways you can do it. First, you can do it by sending them via e-mail. This is the most common way. You should do it no later than January 31 of the year. Make sure to incorporate the 1096 form as well.

The second option is to do it online, through the IRS’s online submission service by utilizing the Filing a Return Electronically system (known as FIRE). This shouldn’t be too complicated for you to do.

Wrapping It Up

All these things that we named probably seem a bit too scary for you. But don’t worry, it only looks like this because we wanted to make sure that everything is listed and that nothing is forgotten. Of course, this requires a bit of your time and effort, but it’s doable, just like everything else.

Effective Tips to Reduce Your Financial Stress

Financial stress can lead to poor physical health, as well as delayed healthcare. It can also lead to mental health issues like depression and anxiety. These are all because of the challenges that you are constantly trying to overcome when it comes to your finances. In this case, the tips below may prove to be beneficial in helping you reduce your financial stress.

Evaluate Your Spending Habits

One of the primary things that you can do to reduce your financial stress is to evaluate your spending habits. This means that you need to have a good idea of where your money goes by tracking your expenses. In this case, it will help if you list down the amount that you spend and the item that you bought each time you make a purchase. Alongside this, also keep track of the other things that you spend money on such as your utilities, as well as your debt payments.

Set Realistic Financial Goals

Once you have a good insight into where your money goes, the next thing that you can do to reduce your financial stress is to set realistic financial goals. For instance, if you have several debts that you need to pay off, then you need to set a specific timeline on when you intend to complete your repayment, depending on the amount of money that you can set aside for payments each month. This also means that you need to allocate a specific amount that you can save and stick to constantly.

Create a Budget

One of the best tools that you can use to be on top of your financial situation is a budget or a financial plan. In doing so, make sure that you prioritize your immediate needs as you are working towards your savings. This means that if you acquired an instant online title loan, then make sure that its repayment is part of your budget. This is also true for the other debts that you have such as your mortgage payments. Once you come up with a budget, make sure that you exert the extra effort to stick to it to minimize or potentially eliminate overspending.

Seek Extra Sources of Income

If you feel like there is too much load when it comes to dealing with your finances, perhaps what you need is another income stream. In this case, look for avenues where you will be able to create a passive income, such as investing in the stock market. Numerous online sources can help you generate a decent sum such as online selling or taking part in paid surveys. Otherwise, turn your hobbies into something profitable, such as selling the pastries that you love to bake. But remember that the extra income you generate should be directed to paying off your debts or going into your savings rather than on unnecessary expenses.

Start an Emergency Fund

As soon as you have a budget, as well as an additional income source, then make sure that you start an emergency fund. This will help you eliminate the need to resort to borrowing money in case of emergencies or immediate needs. Ideally, your emergency fund should be able to cover you for at least three months in case your main income stream is cut.

Get Support

Always remember that you are not alone in any of your troubles, including financial stress. There are always people that you can turn to for help and support. This means that if you are in a tight financial situation, make sure to involve all your family members so that each one will be able to help out in making ends meet. There is also the option for you to reach out to your relatives and friends who are willing to lend you the money that you need to pay for your debts without putting any interest on the amount that you have borrowed. In this case, make sure to pay them back responsibly.

Monitor Your Progress

Finally, make sure to monitor your progress when it comes to your financial situation. You will not be able to appreciate how far along you have come or which areas you can still improve without keeping track of your progress.

The tips above are only some of the things that you can do to relieve yourself from financial stress. Although you are not going to realize the effects of your efforts instantly, with consistent practice, you will soon attain financial freedom that will also steer you clear of the stress that financial trouble brings. Just bear in mind that you can do this.

4 Practical Tips to Get the Best Commercial Auto Insurance Coverage for Your Business

The road can be a dangerous and unpredictable place. And for businesses whose operations rely on driving and transportation, poor road and weather conditions are unavoidable realities that they just have to accept.

But if you add reckless drivers and a culture that is more than just a little litigious in the mix, then the financial risks for the company can quickly escalate.

It is for this reason that it’s essential to have a robust and strong risk assessment and management strategy when it comes to vehicle use for business purposes. And this means getting the right commercial automobile insurance.

It’s also important to note that such coverage can apply to individuals, employees, sub-contractors and companies in many different ways. After running through for practical tips on how you can choose the right coverage for your business, we’ll also cover how such insurance issues have been discussed and managed by ride-sharing companies like Amazon, Uber and Lyft.

To this end, here are some practical tips that should help you obtain the best coverage for your business and ensure its financial stability.

  1. Choose the right company

The quality of the desired coverage is usually determined by the chosen company. So before making a financial commitment, it’s well worth exploring all of your options and checking what clients – both past and existing – have to say first. Create a shortlist of all potentially viable options if you can. It may sound like a lot of work that many would undoubtedly prefer to be without. However, putting in the leg work now will help you find a reputable and reliable company. And, in turn, help you secure the right commercial car insurance in minutes from Next Insurance.

  1. More is never less

Many inexperienced business owners usually try to get only the minimum coverage requirements to keep their fixed costs low. And while this may be true, you could potentially spend a lot more in the event of an accident or a problem by doing so. As such, it’s always good standard practice to secure more coverage if possible. Not only will you keep your business better protected and insulated in this way. But you’ll have peace of mind that you’re financially covered if a problem arises. 

  1. Always explore your options

Cost is always a concern when it comes to business expenses. And while the sheer number of insurance providers might make it more than just a little tricky to choose the right company, it also presents us with a unique opportunity to keep our expenditure low without compromising on commercial auto insurance coverage. So before you decide, make sure that you shop around and carefully compare each and every one. After all, you’re far less likely to find a favorable deal if you don’t actively look for it.

  1. Understand what you need

The right commercial auto insurance coverage is ultimately determined by the needs of the company. After all, you won’t know what kind of coverage to opt for if you don’t understand what the needs of your business are. As such, it’s important that you start by assessing the needs of your business first before you start shopping for commercial auto insurance. It will save you time.

Different Types of Car Insurance Available

In addition to the importance of simply having auto insurance for your business, it’s also important to understand the different types of coverage plans available. This is especially true in the world of ridesharing and for any companies that focus on person or product delivery.

For businesses and brands that rely on independent contractors or part-time employees to deliver people or products, having the right insurance coaverage is an absolute must! And as covered on Ridester, the three insurance types that individuals working for such companies need to be aware of are:

  1. Gap Insurance
  2. Extended Coverage
  3. Coverage Replacement

With ride sharing becoming more popular everyday, having the right auto insurance and coverage in place for all of their drivers is now more important than ever before. It’s not only a recommended from services like Uber and Lyft, it’s a full requirement.

To learn more about how auto insurance plays a role in ride sharing for both drivers, employers and ride sharing companies, take a look at the questions below and then refer to Ridester for the answers to each.

  • Once I have rideshare insurance, will Uber and Lyft continue to provide any coverage?
  • Do Lyft or Uber provide any perks if I purchase rideshare insurance?
  • Do I need rideshare insurance if I have a commercial insurance policy?

How to Secure the Right Commercial Auto Insurance

Securing commercial auto insurance can be a daunting task, but it doesn’t always have to be this way. And by keeping all of the tips mentioned in this article in mind, you’ll be able to get the coverage that you need at a price that you’ll be more than happy to pay.

15 Stats About Amazon’s Super Fast Shipping and Delivery Service

Amazon continues to be the eCommerce leader, and the reasons could lie in their exciting business model. We know that Amazon has the value of being an innovator in their industry, and they offer many options for online shoppers. More than that, they have committed to being well priced and delivering at record speeds for their customers.

We’ve seen that the range of delivery options helps their profitability and high customer satisfaction ratings. Amazon’s power is convenience, and users do not have to visit a retail store to get the items they need.

We found in a recent Amazon Delivery post by Ridester that the delivery of Amazon goods has also opened a wide range of possibilities and brought about more convenience. You might wonder how Amazon can offer such a valuable service yet remain one of the most highly profitable companies.

That’s what we’ll include in this post. We’ll share 15 Amazing stats about Amazon’s super fast shipping and delivery times. Let’s get started.

1. Amazon Flex includes five types of delivery services

Amazon Flex is what the delivery service jobs available at Amazon is called.

The main delivery types include:

  • Amazon packages – which is delivery related to all the items sold on
  • Prime now delivery – Is the membership-based service that offers same-day delivery.
  • Amazon locker delivery includes delivery that goes to a locker where buyers can then pick up their items.
  • Merchant Pickups – Includes all items picked up from local merchants and delivered to Amazon customers.
  • Amazon Restaurant Delivery – Works precisely like Uber Eats or DoorDash and is a new service Amazon has included.

2. There 100 million Amazon Prime members

Generally, Amazon Prime Members get special perks such as lower rates on items and speedy delivery. There are currently 100 million Amazon Prime members globally, and they spend, on average, $1000 per year.

When you compare non Prime members, they spend, on average, $100-$500 per year on Amazon.

Yet, looking at these numbers, we also notice that Americans make up two-thirds of Prime users. This large Prime member base drives the need for super fast shipping and delivery as it directly impacts Amazon’s profits.

You can see a growing chart of Amazon Prime subscribers below, via Statista.

3. Amazon Prime Member receive packages with two days

If you are an Amazon Prime member, your focus is on when your package will arrive at your doorstep. You may have become a Prime member because of the super-fast delivery times. That’s why it’s good to know that as a Prime customer, you will be guaranteed a two-day shipping time on a select amount of items on Amazon.

Generally, these items are delivered using third party services like UPS or USPS. There are times when they will use the inhouse driving service called Amazon Flex to maintain the standards promised to Prime members such as Sunday delivery.

4. 10 U.S. Cities offer Prime Now services

Prime Now is a new service that you can access as an Amazon Prime customer that allows you to receive your everyday household items in one hour or two hours. This is pretty convenient, mostly if you would prefer to stay home instead of driving a distance to get your household items.

This new service provides both convenience and attracts a more significant market share to Amazon. Since they have a broad base of customers using the service, they can offer reasonable prices too. Remember that even if you are an Amazon Prime member, you will have to pay an additional fee for Prime Now services. The service is available in Atlanta, Ga, Boston, MA, and several other cities in the U.S.

5. Base Rate Pay for Amazon Prime Now Drivers is $18- $25

Amazon Prime Now drivers are essential when it comes to providing fast and efficient services to Amazon customers. As we mentioned previously, Prime members have opted to receive 1-2 hour delivery on their household items, so drivers are compensated for meeting the demand.

How does this work? While they earn a base pay of $18-$25 per hour, they are also eligible for additional compensation, such as tips. They do retain 100% of their tips.

There has also been a trend by Amazon to add a delivery tip automatically, but it’s optional for the customer to update it or remove it.

6. Attended delivery applies if your order is $500

Attended delivery is when you order something on Amazon, you must receive the order in person. If you aren’t available, then a representative should receive it in your place.

All Prime Now orders have this as a default setting, but they can opt to have the delivery person leave the package at their door if there isn’t an answer when they call.

Yet, keep in mind if the order is $500 or more, attended delivery is compulsory. This can certainly be helpful if you are expecting a valuable package, and it guarantees your parcel will be safe at every turn.

7. Alcohol Delivery is available in 16 cities using Prime Now

If you order alcohol via Prime Now, you must also be available to collect the order or have a representative ready to receive it.

The criteria are set because of the restrictions imposed on the sale of alcohol. Therefore a person aged 21 or older must show their I.D. and sign for the delivery.

On the delivery person’s side, they will scan your I.D. with the Amazon Flex app to ensure that they fulfill alcohol sales requirements. Alcohol delivery is limited to specific locations in the U.S.

If you live in one of these cities, then you can use receive an alcohol delivery as a prime now member:

  • Seattle, WA
  • San Francisco Bay Area
  • San Antonio, TX
  • Austin, TX
  • Cincinnati, OH
  • Chicago, IL
  • Houston, TX
  • Los Angeles, CA
  • Dallas-Fort Worth, TX
  • And six more cities.

8. Amazon lockers are available in 2000 locations in the U.S.

Many people may not have heard of Amazon lockers, and the reason for that is that it is not available everywhere in the U.S.

What exactly are Amazon lockers, you might be wondering?

Well, they are similar to P.O. boxes, which are owned by Amazon. It’s considered an alternative option where their customers who do not wish to receive deliveries at home opt for a locker delivery.

This is directly related to individuals who have been stealing packages recently when left in front of people’s doors. It curbs this behavior, and customers can safely check out the lockers for their package.

As of writing, this service is only available in 2000 U.S. locations in 50 metropolitan areas in the country. While it’s a small number of locations, it is useful and caters to a small customer subset. Prime deliveries continue to be more popular than this option as it’s more convenient.

9. Merchant picks ups are allowed in 13 cities from specific local stores.

It’s true Amazon is home to millions of items on their website, but there are a few items that would be impossible to offer. Yet, as they often do, they have tapped into a new market by collaborating with local merchants who provide specific products that can only be sourced at certain locations.

They found benefits for the customer, Amazon, and these stores when they partner with local brick and mortar stores. Customers get their favorite products, and merchants get to leverage Amazon’s customer base.

This is quickly done as they use their Flex drivers to make the pickups from merchants and deliver it to their customers. It’s available in all cities that offer prime now ranging from places like Fresh Thyme in Indianapolis to Tops Liquors in Phoenix. This service is perfect for local merchants who are liquor stores, which allows alcohol delivery.

10. Amazon has a restaurant delivery service in 20 cities

Amazon has undoubtedly tapped into every market possible, and it’s the same with restaurant delivery. This is included in their Amazon flex delivery service capabilities. This service makes it extremely easy for Amazon to compete with other food delivery services like Postmates and Uber Eats. It also allows Amazon customers to get their favorite food from local restaurants using one point:

Like most services, it does depend on where you live. You can find most cities included, such as Atlanta, Austin, Baltimore, and 17 other locations. For drivers on Amazon Flex, it can be more complicated for them as they need to find a place to park when collecting the order, and they may even need to wait as the food is prepared. Drivers can also extend their basic pay by their potential to earn tips.

11. Prime members enjoy free delivery on 100 million items on Amazon.

As we’ve covered in this list, the Amazon Prime service might be a way to get better delivery and service options from Amazon. As a Prime member, not only do you get free delivery, but you have 100 million options to choose from.

Generally, this is from the online store and might be restricted, but it helps to consider that the U.S. base hosts two-thirds of Amazon Prime members. Keeping this in mind, you will find that the broad base of prime members allows Amazon to provide better service and keep increasing the free delivery on items from now on. With Prime Now, which is an additional expense, you can get even more options such as same-day delivery.

12. 83% of Amazon Prime members love free two-day shipping

Every customer loves free parts of a service, and that’s why they would initially sign up for it. Amazon Prime customers indeed have many perks like discounts, special deals on Black Friday, and better delivery options. In a recent poll, however, it showed that the majority of Amazon Prime members loved the free two-day shipping option the most.

Why is that? We’ve seen the tendency that people are leaning more into instant gratification where they want everything to be done quickly and conveniently instead of waiting for weeks. Amazon Prime members love the convenience of having their favorite items delivered to their doors as soon as possible.

13. Amazon’s shipping costs equal $ 37.9 billion in the U.S. in 2019

This stat is fascinating when you consider that in 2018 the cost was 27.7 billion dollars. One of the drivers is that the Amazon Prime member base continues to grow, and Amazon has also offered more delivery options such as same-day delivery and restaurant delivery.

They need to hire more people to fulfill these roles, which is one reason for the higher costs. It’s also an indication that Amazon does want to ensure that they keep their member base happy and keep providing excellent service, knowing that long term it will affect their bottom line. That also includes the cost of their expansion in other countries and shipping costs on air, land, or sea.

14. During the holidays, some Amazon warehouses ship over 1 million items per day.

The holiday season is a time for giving, and Amazon Prime customers know that they can leverage the site to do it conveniently. That’s why Amazon also uses a range of employee’s and robots to work in their warehouses to provide the best service.

The main aim is to pack and ship items to meet the expected delivery times of customers. The exciting part of this is that the Amazon warehouse ships to countries all over the world. Finally, the demand increases as Amazon offers heavily discounted prices during the holidays.

15. Amazon has 200,000 robots working in their warehouse

Amazon has recently started to leverage the power of robotics in their warehouse. Amazon refers to these robots as drives, and they even have their own Amazon robotics business area to support the expansion of robots for fulfillment at Amazon.

Robots and humans work together at the warehouse so that the end customer can get the low cost of goods delivered to them. This is especially helpful during busier periods and supports providing fast and efficient delivery to their customers.

More than that, with over 100 million prime members who expect delivery within two days, this collaboration of robots with humans has significantly reduced turnaround times.

Final Thoughts

Amazon has quickly recognized the value of branching into different sectors, such as food delivery, to maximize the service they provide to their customers. Their primary option continues to be package delivery, where Amazon can offer either two-day delivery or same-day delivery to Prime customers.

This is the key reason many members sign up to use the service. Additionally, some customers prefer to have their items delivered to a locker for safety reasons, and Amazon uses their own lockers to cater to this need.

There is now an additional option of having food deliveries made. Amazon leverages its Amazon Flex drivers to ensure that its customers can receive food from their favorite restaurants on time.

This is a wide variety of options, and it only looks set to grow as more and more people look for convenient ways to get their goods and expect fast turnaround times.

Did you enjoy this post on 15 Amazing stats about amazon’s super fast shipping and delivery service? If so, please leave a comment and tell us which one was the most surprising for you!

How to Properly Plan a Social Media Marketing Campaign

As an entrepreneur, having an effective marketing strategy in place to promote your business is essential so that your products and/or services become known to potential customers, which will result in an increase in sales.

There are many ways to promote your business, and a strategy that is becoming increasingly popular is the use of social media, considering that millions of people have free access to most of these platforms. There are a few factors you must consider to have an effective marketing approach in place, therefore, in this article, we will advise you on how to properly plan a social media marketing campaign.

Set Campaign Goals

The very first thing you must do is define what goals are and consider what it is that you are trying to achieve with your campaign. Helping you identify this, will guide you through what your campaign should look like. Some common goals for a social media campaign include increasing brand awareness, increasing customers and sales, increasing your social presence, and engagement of potential customers through these platforms. After deciding what your objectives are, you can start making a plan that will make sense and best work to help you achieve this.

Create Buyer Personas

A buyer persona is a document that covers vital demographic information, such as gender, age, and income, location, interests, and hobbies, about your ideal audience. When it comes to social media marketing, it is important to understand that you cannot simply target the general population – rarely one product will apply to every single individual. Therefore, you must know who your potential customers are so that you can find ways to reach this specific cohort.

Choose Your Social Media Channels

If you have ever been online, you will know that there are different platforms available that you can use as part of your marketing strategy. Some individuals will use more than one social media to stay connected, whilst some prefer to use their favorite one only, whatever that may be. You should not try to be on every social media platform as this may prove to be ineffective. When you investigate who your customers are, you can include research into what their most used social platforms are and focus on building your online presence on these ones.

Hire a Professional

You may have amazing skills as an entrepreneur and still lack some awareness of what social media entails or how to use this as part of an effective marketing campaign. If you feel that you need additional support with this, you should consult experts in digital marketing to boost the effectiveness of your marketing strategies. The professionals behind Northern VA Digital Marketing say that it’s vital to learn how to improve web design, the use of SEO, and the ways you are approaching your target audience. As a business owner, you should not take up every single role, therefore leaving the digital marketing to the experts could truly benefit you. 

Have a Social Media Calendar

Timing is an essential factor when it comes to running a marketing campaign so that you know exactly what to do and when to do it. You can develop your own social media calendar, detailing any tasks you may want to achieve, such as creating content, sharing of content, and updates of social media platforms. Having a calendar will help you keep organized and productive, whilst keeping your followers engaged.

Having an effective marketing strategy is essential, particularly when using Social Media platforms, as there are so many ways to achieve this. Make sure you follow some of the tips above, in order to maximize the benefits of social media to develop your marketing campaign.