Category Archives: Blog

Top 10 Google AdSense Alternatives

A lot of people never got accepted to Google AdSense because Google has strict terms and conditions. But don’t be upset because there are so many AdSense alternatives. They do not pay as much as Google but they offer you to make a decent income through PCC advertising program.

So, simply join bellow sites and monetize your website

  1. Ad Brite
    It is one of the best Google’s AdSense alternative. It has more relaxed terms and conditions then AdSense and is much more accepting of smaller publishers like bloggers. The revenue of Adbrite is typically split 75/25 ratio. The minimum payout of Adbrite is also low, it is only $5. But AdBrite not allow PayPal payment.
  2. Clicksor
    Clicksor is another good alternative of AdSense. Cost per click bid values are high enough in Clicksor so you can earn a decent income. Clicksor also allow you to add as many sites or domains as you want under a single account. For payment Clicksor allow both PayPal and Check. For PayPal minimum payout is only $20 and for check that is only $50.
  3. BidVertiser
    Some expert bloggers say that Bidvertiser is the best Google AdSense alternative for Asian bloggers. It claims itself that it will always display the highest bidders on your site, assuring the maximum revenue possible at any given time. BidVertiser pay you by PayPal with minimum amount $10 or by check with minimum payable amount $50.
  4. Chitika
    Chitika is very famous in some article directories. It doesn’t really stand alone as a single advertising solution but instead provides you with a way to compliment your existing advertising and publishing program with some additional Ad units which are altogether different from the standard ad boxes, pop unders etc. Chitika runs helpful blog and forum for their publishers. Further chitika has a good referral program. For payment chitika prefer check but it also accepts PayPal payments method. The minimum payout threshold of Chitika is $20.
  5. ExitJunction
    It is a good AdSense alternative. Its unique program is it monetizes 100% of your traffic because it pays for your international traffic whether you have traffic from the US, UK, Canada, China or India, it will pay for it all. ExitJunction also has a good referral program. You will get paid 10% earning of your each referral for life time. It offers fee free payout via check or PayPal with minimum earning amount $25.
  6. AdToll
    AdToll has a great user interface and navigation through the user panel. It has a newest Ad technology. It campaigns both graphic and text ads. AdToll delivers payment both PayPal and Check. Minimum payout threshold for PayPal is only $20 and for Check that is $40.
  7. eClickZ
    it provide customized Ad Units to its publisher. Publisher can take advantage of global traffic and the great thing about this site is it provides personal account managers which are ready to answer the questions you may have help you achieve maximum revenues. eClickZ pays only by PayPal and the minimum payout threshold is only $10.
  8. Microsoft Pub Center beta
    It provide text ads for display on web pages, with a wide variety of design and reporting features. Publisher can control what ads appear on his blog. This site not allow PayPal payment method, it pays only by check. And the minimum payout threshold is only $50.
  9. Yahoo Publisher Network
    It’s seemed like a copycat of Google AdSense. It is an alternative of AdSense but it has same restricted terms and conditions like AdSense. Good point is you will be integrated other Yahoo services, including Add to My Yahoo (RSS). Payment methods are both PayPal and check.
  10. Infolinks
    Infolinks presents the next generation of in-text advertising, means ads are tightly integrated with content; you don’t need any additional space. It claims itself that it is leading the industry with the most relevant in-text advertising links and the highest revenue share. Payment method is PayPal and minimum payout threshold is $100.

Source by Alan Sahu

Delisting of Shares – Here’s what you need to know!

With the latest news of Vedanta delisting plans buzzing in the market, a lot of investors are confused about what delisting of shares actually means and why companies go for delisting. Moreover, investors are worried about what happens to the shareholders once the company gets delisted from the stock exchange.


In this article, we take a look at the delisting of shares and will try to demystify most of the frequently asked questions and facts around it

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What is Delisting of Shares?

Delisting refers to a listed company removing its shares from trading on a stock exchange platform. As a consequence of delisting, the securities of that company would no longer be traded at that stock exchange. The company will now be a private company.

A long as the stock is traded in one of the exchanges that are made available to investors throughout the country it is considered as a listed stock. Anyways, if a company is listed in multiple stock exchanges in a country and decides to stop trading from just one of the exchanges, it is not considered as delisting. However, if it removes its shares from all the stock exchanges barring people to trade, then it is considered as delisting of shares.

Types of Delisting

If we try and figure out why a company is getting delisted the reasons can be grouped into two categories.

1.  Voluntary delisting

Voluntary delisting occurs when a company decides on its own to remove its securities from a stock exchange. The company pays shareholders to return the shares held by them and removes the entire lot from the exchange.

Voluntary delisting generally occurs when the company has plans to expand or restructure. At times a company may be acquired by an investor who is looking to hold a majority share. This share may be greater than that permissible by the government. In India, it is mandatory that at least 25% of the shareholding be available to the public. An acquirer who wants over 75% of holdings may expect the company to go private and hence delist. At times the company is also delisted to allow the promoters a greater share.

The exchange regulations may also be a cause for voluntary delisting.  This is because companies may find it difficult to comply with regulations as they may hinder their functioning. These companies would prefer to delist.

Existing shareholder approval for delisting

A delisting that is of voluntary nature can only occur if shareholders holding up to 90% of the share capital agree to the delisting offer made by the company. The shareholders at times may not agree to delist. if they foresee a rise in the price of the shares or are not happy with the current offer made by the company to buyback the shares as they feel the shares are worth much more. A delisting process may take years to complete hence the shareholders get ample time.

2. Involuntary or Compulsory Delisting

In the case of involuntary delisting, the company is forced by the regulatory authority to stop its shares from trading.  This is also used by the regulatory authority to penalize the company. The investors do not have the opportunity to vote against the delisting in this case.

Here are the Grounds for the company being compulsorily delisted:

  1. Failure to maintain the requirements set by the exchange
  2. The shares of the company being suspended from trading for more than 6 months or being traded infrequently over the last three years
  3. Bankruptcies, where the company has posted losses for the last three years and has a net worth which is negative

Here, the Promoters are required to purchase the shares from the public shareholders as per a fair value determined by an independent valuer.

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Voluntary Delisting process

Assuming that promoters, shareholders, and the company’s board of directors agree, the delisting process will take a minimum of 8-10 weeks from the date of announcement of the shareholder meeting to approve the delisting proposal. Here are the steps involved in voluntary delisting of stocks:

1. Appointment of a Merchant Banker

Once the board takes the decision to delist the first major step is appointing an independent merchant banker. A merchant banker overlooks the Reverse book building process. Reverse book building is the process by which a company that wants to delist from the bourses, decides on the price that needs to be paid to public shareholders to buy back shares. Here, it has to follow a detailed regulatory process.

2. Initiate the Reverse Book Building Process through online bidding

The merchant banker oversees the Reverse book building process. It is the process used by the company to set a price that is used to attract the investors into agreeing to the delisting. In this process, the shareholders bid online the prices at which they would be willing to sell the shares. The reverse book building process is used only in India.

To protect the investors the SEBI has also set a floor price which is the minimum the company can offer to the shareholders. The floor price should be the average of weekly closing highs and lows of 26 weeks or of the last two weeks, whichever is higher.

3. Set up Escrow Account before offering terms of delisting to public

To ensure that the company has the ability to purchase the shares from the shareholders it is required to create an account specifically for this purpose. This account is known as an Escrow account. The amount in the escrow account will only be used towards delisting.

4. Gaining Shareholder Approval

Once the merchant banker receives the prices he makes an appropriate offer to the shareholders in the form of Offer Letters sent by post. The shareholders may or may not accept the offer. The company has to gain the approval of over 90% of the shares of all the shareholders. To acquire this approval what the company does is, make an offer to the existing shareholders to buy the shares from them at a premium. The shares must be bought back by the company at a price that is equal to or higher than the floor price.

Say a situation arises where 25% of the shareholders do not participate in the book-building process. Here as long as it can be proved that the offers were delivered to the shareholders by registered or speed post and the delivery status can be confirmed, the shareholders will be deemed as compliant to the divesting of the company.

If 90% of the shareholders agree to the prices and the companies decision to delist then the company can go ahead and delist from the stock exchange.

What happens to shareholders who refuse to sell?

If investors do not take part in the reverse book building process they still have the option to sell their shares back to promoters. It is mandated that the promoters accept the shares. The price here would be the same price exit price accepted from the reverse book building process. The shareholders will be allowed to do this for one year from the date of closure of the delisting process.

If a shareholder still doesn’t sell the shares back within a year he will end up holding non-tradable securities. Shareholders do this in cases where they expect the company to begin trading publicly again after a period. The shares of the shareholder, however, will still be affected by all corporate actions taken by the company.

The Telecom War in India – Jio, Airtel, Vodafone?

In the pre-liberalization period, there existed only state-owned companies like BSNL. The operations of these companies can be dated back to the British era. Post the liberalization the government began issuing licenses to private players in exchange for a license fee.


This license fee set, however, was in accordance with The Telegraph Act of 1885 set to govern the state players. The private telcos found it hard to adhere to this and constantly defaulted on the fee payments.

Noticing this the government introduced the National Telecom Policy in 1999 where the telcos were given the option to either pay the existing license fee or share a percentage of their revenue which was called AGR ( Adjusted Gross Revenue).

— The More the Better

During this period the government believed that the greater the number of players the greater the benefits the consumers would receive. This has bought up to 16 players in the telecom industry. This, however, ended up doing much more harm to the industry due to the competitive pricing practices followed by the telcos to emerge as the top players.

— AGR Dispute

During this period the Department of Telecommunications (DoT) entered into legal disputed with the players. If must be noted that Revenue meant that any income received by the company irrespective of it making profits or losses. The companies agreed to pay AGR assuming that the revenues to be paid would be from the core(telecom related) activities of the industry. The DoT argued that a percentage of the revenue from all sources ( core and non-core) is to be paid.

This involved installation charges, value-added services, interest income, dividend, and even profit on the sale of assets, insurance claims, and forex gains. This meant that the telcos now owed 1.47 Lakh crore in AGR to the DoT. Other government entities like TRAI (Telecom Regulatory Authority of India) and TDSAT (Telecom Disputes Settlement and Appellate Tribunal) also voiced their concern over this claim.

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— Enter Jio: A Mukesh Ambani Offering

These troubles in the telecom industry seem monumental and we have not even considered other factors like the 2G scam that took place. The worst, however, was yet to come for the telcos. In 2016, a new player Jio entered the industry. The predatory pricing strategy followed by Jio offered consumers 4G data for free. This further put tremendous stress on the telecom industry.

When Reliance Jio entered the markets in 2016 there were up to 7 telcos who had a substantial footing in the industry. By the end of 2019, there were only 3 other companies competing. Out of the three only Jio was profitable by extremely slim margins and airtel running but on losses. Vodafone and Idea too in losses were barely surviving the pricing onslaught.

— Spectrum Dues

Apart from the AGR the telcos also owe the government dues from spectrum allocation auctions. The telecom industry makes the use of electromagnetic waves that are made available through a spectrum. Hence a spectrum is considered a national resource and allocated carefully by the government. The spectrum allocation charges are paid in installments to the government. With the telcos already in debt, they further started defaulting on these too.

Finance Minister Nirmala Sitharaman announced a moratorium on these installments for 2 years. But the moratorium provided by the government does not come interest-free as they will still have to pay additional interest accrued during the 2 year period. Airtel currently owes Rs. 11,476 crores on its installments with Vodafone Idea owing Rs. 23920 crores.

Telecom War in India: Current Scenario

All sympathies do not lie with the telcos. Prior to the Jio’s entrance, the telcos enjoyed a  period where they charged consumers exorbitantly. This was the main reason why Jio already had their stage set in 2016. Their offer of charge-free services to customers enabled them to immediately gobble up a section of the market share.

This was followed by the telecom war in India and competitive pricing which forced existing players like Airtel, Vodafone, and Idea to lower their prices and profit margins.

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How telcos are adapting to increased debt & 5G Preparation?

The telecom industry has forced its payers to adapt to raising funds from foreign investors in exchange for a stake in the company.

— Reliance Jio

After Reliance entered the telecom sector its debt shot up by 438%. Mukesh Ambani has set out to make Reliance a zero net debt company. This would mean wiping out 1.54 lakh crore of its debt. The following table shows the stakes sold and amount raised

— Airtel 

Airtel remains the only major player other than Jio which able to survive, compete, and raise capital with ease at this stage. It recently announced a 2.75% stake sale to raise 7500 crores ($1billion). In January, Airtel raised $15000 crores through qualified institutional placement and foreign currency convertible bonds for 7,500 crores ($1billion)

— Vodafone Idea

Vodafone and Idea have merged to form Vodafone Idea. This has enabled Vodafone Idea to become the top company in terms of subscribers. But this has only ensured their survival in the Indian markets.

Vodafone Group CEO Nick Read has vowed to not invest in the Indian markets. This can be justified due to the court ruling against the telcos with regard to AGR.  This has made investing in India a lost cause for Vodafone as all incomes earned by the companies ill be used to pay back the existing AGR dues apart from the new AGR dues that will keep on accruing.

What the Government can do?

To reduce the burden on the telecom industry the existing players have requested the Telecom Secretary to provide the 5G spectrum free of cost to existing players in an attempt to rescue the industry. The government can also ensure that cartels are not formed and players survive by benefiting the consumers.

This can be done by providing the 5G spectrum in exchange for the telcos agreeing to adhere to both floor pricing and price ceiling. By doing this the telecom industry will be provided some relief through 5G spectrum allocation as requested by telcos. The floor prices and price ceiling will ensure healthy competition and limit any adverse impacts on consumers.

NSHS 2020 Spring: A chance to have your say

Spring The National Student Housing Survey 2020 – Spring wave – is here! Starting today you have the opportunity to review your year with your student accommodation provider (if you’re reading this that’s likely us at The Student Housing Company), covering all aspects of student life and letting us know how we’ve been a part of it.


How it works

The survey is hosted by NSHS every Autumn and Spring to ensure higher education students have their feedback brought to accommodation providers and higher education institutions.

Your accommodation provider will likely be in touch to share details of the current survey by email, as well as on their social media and website. If you’ve found your way here first then you can go direct to the survey right here!

It only takes 10-15 minutes to complete the survey and it will ask you a range of questions depending on what student accommodation you live in. The questions can range from ‘how good is the internet?’ to ‘any ideas on how to enhance the sense of community in your accommodation?’. Your accommodation provider is looking to truly understand your experience, pulling on your first-hand knowledge on what helps you live the best student life.

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Why do the survey?

There’s loads of reasons, and we’ll be touching on those on our social media. But here’s the two big reasons:

Your opinion matters

We value what you feel, what you’ve experienced, and how you think we can help improve things for students across our residences for the years to come. An opportunity to genuinely shape the student accommodation of tomorrow (in fact, we’re offering another opportunity to do this in our latest competition, check it out).

Help us make changes that count

University is such a special experience, one that comes and goes so fast. Which is why we’re committed to delivering the ultimate student living experience whilst you’re with us. Through our wellbeing programme, incredible properties, and friendly service we want you to be, at the very least, happy in your student residence for university.

The best way for us to guarantee this is to be improving in the areas that need some more thought, as well as celebrating the bits that students have loved whilst living with us. Sometimes these aren’t obvious to us! So, to help us identify these areas we rely on things like the National Student Housing Survey for vital feedback. Feedback that comes direct from you, the students!

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The Rewards

If shaping the future of student accommodation, The Student Housing Company, and the experience of students that will follow in your footsteps isn’t enough then we reckon you’ll want to know about the prizes up for grabs!:

£500 for one lucky winner 

Weekend away to Paris anyone? ASOS shopping spree? Or put it away in that savings pot!

The weekly prize draw 

For students that Tweet or Share #NSHS20 saying that they have completed the survey, there’s an opportunity to win a variety of great prizes.

An event near you 

Most of our properties run competitions, give-away events and incentives for you to win once you complete the survey and tell us. Check with your reception today!

Altcoins React to Coronavirus and Stock Plunge

Altcoins The spread of the Coronavirus is affecting more than just the well-being of thousands – maybe millions – of people. Along with its gradual expansion comes the toll it is taking on the economy. Many predict that the fear of the virus’s continued spread will amount to stock prices being dragged down even further. The S&P 500 Index is now in the red by 10% since the start of 2020.


The Dow has been on a downward spiral since the beginning of the Coronavirus outbreak. While cryptocurrencies are performing comparatively better than the Dow, they are still on shaky ground. Bitcoin is taking quite a hit, trading below $9,000 for the first time since January. However, as of February 28, it is still up 20% for the year to date.

But what of other cryptocurrencies? How is the market value of altcoins faring against this epidemic?

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Market cap determination

‘Cryptocurrency Market Capitalization’, or ‘Cryptocurrency Market Cap’, is an incredibly useful metric. It is what allows us to figure out the real value of a cryptocurrency. It is a popular metric for traditional securities, however, it has unique implications in the realm of cryptocurrency. Market capitalization is the measurement of the overall value of a security.

Typically, it consists of multiplying the number of outstanding stock shares by the current stock price. In terms of crypto, it is usually the circulating supply of tokens multiplied by whatever the current price is. For example, let’s assume a coin has 100 tokens outstanding and is trading for $10 per coin. In this particular case, it possesses a market cap of $1,000.

Different reactions, different outcomes

Generally speaking, the overall state of altcoins is experiencing a bit of a dip along with Bitcoin. Not all of them, but enough for there to be a noticeable change in market value. Those lucky enough to not be going through the same dip are the ones who are either reacting differently or have no reaction at all.

Near the end of February, crypto markets were shedding another $20 billion in a fall back to approximately $240 billion. At the same time, they were experiencing a collapse by 17% as $50 billion left the space.

Ethereum – a cryptocurrency that was on fire this year – has lost roughly 10%, resulting in a slide below $220. Stellar (XLM) typically follows the movements of XRP, which unfortunately has also undergone quite a beating. XLM would also dump roughly 33% in just under two weeks. In the meantime, XRP has made a loss of 32% during that same period.

The Federal Reserve’s reaction to this financial crisis is to slash interest rates by half a percentage point on Tuesday. This was an attempt to give the U.S. economy a jolt in the face of concerns about the virus. It was the first emergency rate cut to occur since 2008. Furthermore, it marks the biggest one-time cut since that time as well. The new benchmark interest rate as a result of this cut ranges between 1% and 1.25%. The slash would effectively lift the Dow industrial average by 300 points.

Yet, even with this emergency cut, the Dow continues to plunge after the initial short gain. It began tumbling over 560 points before reversing course again. Earlier today, the Dow was roughly 800 points (or 3%) in the negative column.

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Tether (USDT)

Tether is a stablecoin, its identification stemming from its being backed 1:1 to the dollar. There are many in the crypto space that believe it to be a safer asset, especially in times of crisis. The market cap dropped considerably between February 18 and 20, as well as at the beginning of March. Beyond those dips, the market cap remains consistent.

Chainlink (LINK)

Chainlink is a decentralized oracle service that aims to connect smart contracts with data from the real world. Unlike the other altcoins mentioned here, this cryptocurrency appears to be booming. The reason why is unclear, but its market cap appears to be increasing more and more.

HedgeTrade (HEDG)

HedgeTrade is a social-trading platform that focuses on traders sharing knowledge with each other. The market cap is reacting in a similar manner to Bitcoin, which is actually not a bad correlation to make. Its plunge is not quite as steep and both are recovering at a solid rate.

Dogecoin (DOGE)

Dogecoin is a peer-to-peer cryptocurrency that launched in 2013. The origins of its name come from the “doge” meme. Since its inception, it has become a popular cryptocurrency. The market cap went through a dip during the middle of February. However, since the start of March, it is gradually climbing back up.

During times of economic distress, such as with this Coronavirus outbreak, it’s especially comforting to know that other systems of money are being built as we speak. In fact, they already exist now. Here at HedgeTrade, we’re glad to be part of a movement that could make challenging world events a bit easier for everybody. We hope you join us in supporting alternative systems of finance, like bitcoin, HEDG, Defi, MakerDAO, and many others.

AI in the Contact Centre – Striking a Balance

We are already seeing much greater use of robot agents at the front end of customer service, particularly when dealing with the simpler, more routine tasks in the contact centre. Chatbots are great at answering routine questions quickly. Their fast processing speed means they can rapidly provide answers to standard enquiries.

Unlike their human counterparts, they are always available. Moreover, they excel at triaging customers; interfacing with self-service applications and intelligently searching for information to help resolve queries quickly. They are empowering digital self-service but they empower the human agent also, freeing up their time to do the value-added, non-routine tasks, dealing with exceptions and offering empathy to high-value customers.


There are a wide range of other AI applications in use in the contact centre today. AI can be working in the background of a customer interaction to gather relevant information and present it to the agent to help resolve the customer’s query quickly and efficiently. Real Time Speech Analytics can be used to effectively perform the role of the personal assistant to the agent. The solution analyses agent and customer speech to provide live feedback to agents, team leaders and quality assurance teams about what is being said and how it is being said. It monitors script adherence, speech clarity and even stress levels, all while the call is in progress.

We also expect to see off-the-shelf bots being used increasingly over time, to automate very specific tasks, such as password changes. In this vein, industry specialists will develop bots specific to and for their vertical – developing specific solutions to match the needs of the housing sector or for financial services applications, for example.

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 Sounding a Note of Caution

The capability of the kind of technology we have referenced above is advancing all the time and, in line with that, there is a growing recognition that AI can add great value to an organisation’s customer service efforts. but it can never be the whole answer across the customer service industry generally. A low cost airline may want to automate almost all of its processes but a retailer offering a high level of premium service will certainly want to continue to use human service as a key part of its value proposition and differentiation.

There are a wide range of considerations businesses also need to take account of if they want to ensure they get their AI implementation right. First and foremost, they need to take their staff with them as they move to more advanced automation. Before any organisation deploys AI, it is worth considering that one of the biggest risk factors in any IT implementation, system upgrade or system change are the human users of that system.

If the business does not communicate in an open, honest, transparent way how this technology is going to benefit them, it will find resistance. It needs to get people involved in the process: ensure it can test out the technology in a safe, sandbox environment and make sure certain people are comfortable with it, before it even starts rolling the technology out.  It is critical also that any AI tool brought into the contact centre has a defined business goal. Automation should never be implemented for its own sake. In light of this, it is important to give bots a job description. Humans work far better, when they have clear targets and defined goals. AI is the same.

Businesses need to give their AI-driven technology a defined goal. They also need to measure the performance of their robots on delivering against these targets and focus on making improvements.  In short, businesses need to start treating their automation systems and chatbots like human agents; train and support them and regularly monitor their progress to drive continuous improvement.

It is also important to note here that good knowledge management is key to good AI. Just like a human, a robot needs to have access to relevant knowledge and information to do their best job. Businesses need to ensure that when a question is answered in the contact centre, that knowledge is captured and delivered into the Knowledge Management System (KMS) to allow bots and human agents to feed off it.

After all, how can AI  be used to make decisions when it does not actually know anything? It can learn but it needs relevant data to do that. That is why it is so important for businesses to have processes and procedures in place that enable them to feed accurate data and intelligence into the KMS.

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 Striking the Right Balance

Today, it is clear that the use of advanced automation and AI technologies in the contact centre is growing all the time – and there are a wide range of ways in which these tools can be used to enhance customer service.

It is, however, also encouraging to note that even among organisations, we are also seeing growing awareness that these technologies can never form the basis of a one-size-fits-all or plug-and-play scenario. Businesses are becoming more aware that thought and effort needs to go in to ensure these technologies can proactively support enhanced customer engagement and drive a better customer experience for organisations today.

How to create a cash flow projection (and why you should)

cash Understanding and predicting the flow of money in and out of your business, however, can help entrepreneurs make smarter decisions, plan ahead, and ultimately avoid an unnecessary cash flow crisis.


After all, knowing whether the next month will see a financial feast or famine can help you make better decisions about spending, saving, and investing in your business today.

If, for example, your cash flow projection suggests you’re going to have higher-than-normal costs and lower-than-normal earnings, it might not be the best time to buy that new piece of equipment. If, on the other hand, your cash flow projection suggests a surplus, it might be the right time to invest in the business.

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Cash flow projections: The basics

In order to properly create a cash flow forecast there are two concepts one has to master: accounts receivable and accounts payable. “Receivable” refers to the money the business is expecting to collect, such as customer payments and deposits, but it also includes government grants, rebates, and even bank loans and lines of credit.

Accounts payable, on the other hand, refer to the exact opposite—that is, anything the business will need to spend money on. That includes payroll, taxes, payments to suppliers and vendors, rent, overhead, inventory, as well as the owner’s compensation.

A cash flow projection (also referred to as a cash flow forecast) is essentially a breakdown of expected receivables versus payables. It ultimately provides an overview of how much cash the business is expected to have on hand at the end of each month.

These projections typically take less than an hour to produce but can go a long way in helping entrepreneurs identify and prepare for a potential shortfall, and make smarter choices when running their business.

Be realistic with your cash flow forecast

Cash flow projections are only as strong as the numbers behind them, so it’s important to be as realistic as possible when putting yours together. For example, being overly generous in your sales estimates can compromise the accuracy of the projection. Furthermore, if you provide customers with a 30-day payment schedule and a majority pay on the last possible day, make sure that cycle is accurately reflected in your projection.

On the payables side of the equation, try to anticipate annual and quarterly bills and plan for an increased tax rate if the business is likely to reach a new tax level. Those who pay their staff on a bi-weekly basis also need to keep an eye out for months with three payroll cycles, which typically occurs twice each year.

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Put it all together: How a cash flow projections looks on paper

In practical terms, a cash flow projection chart includes 12 months laid out across the top of a graph, and a column on the left-hand side with a list of both payables and receivables. This column typically begins with “operating cash,” or unused earnings from the previous month. For example, if your cash flow projection for January suggests a surplus of $5,000, your operating cash for February is also $5,000.

What now: Use your cash flow forecast to make data-driven decisions

Building the chart itself is an important exercise, but it’s only as useful as the insights you take away from it. Instead of hiding it away for the remainder of the month, consult your cash flow projection when making important financial decisions about your business.

If, for example, you anticipate a deficit in the months ahead, consider ways to cut your costs, increase sales, or save surpluses to help make up the difference. If you notice that payments often come in late, consider introducing a late penalty for bills past due.

Improving the accuracy of cash flow projections over time

Once you’re in the habit of creating cash flow projections, it becomes easier to improve their accuracy over time.

Comparing projections to actual results can help you improve the accuracy of their projections, and help identify longer-term patterns and cycles. Seasonal changes in revenue, patterns that contribute to late payments, and opportunities to cut costs will all become more apparent with each new projection.

While all these benefits won’t come all at once, entrepreneurs can use their cash flow projection to become better operators and better decision makers with each passing month.

A Guide to Hiring Decision-Making for Cultural Fit

But the only way we can provide that level of support for our customers consistently is to have an amazing team in place — each of whom understands how important our mission is and will happily jump in and help personally on customer issues.


We think that hiring for cultural fit is particularly important for bootstrapped companies like The Receptionist. We are committed to growing steadily, carefully, and deliberately in the right direction with customer satisfaction (not revenue) as our primary metric for success. At companies like ours, even one poor hiring choice can damage the customer-centric culture that we’ve worked so hard to build from the ground up.

That’s why we’ve made some changes over the years to improve the way we find the best people to join our team. We think these extra efforts have made a big difference in our ability to hire for cultural fit. Here are the practices that we can enthusiastically recommend to other businesses hiring for cultural fit.

Get clear on your values first.

It’s worth mentioning upfront that you can’t hire for cultural fit if you don’t know which values are central to your culture. At The Receptionist, we used the Entrepreneurial Operating System to really drill down to which values were the most important to us. We discuss that process here on our podcast.

Tend to the hiring funnel.

In the case of a sales funnel, it’s understood that in order to eventually land a sale, you must start by generating a big group of leads. You go in with the understanding that only a few will advance through each successive stage of the funnel to become future customers.

Similarly, if you want to find job candidates that you’re really excited about, you’ll need lots of quality applicants.

At The Receptionist, we decided a few years ago to start working with a firm that specializes in attracting this kind of big group of high-quality leads.

Scalability Solutions, located here in Denver, has been a big help in our hiring process. They work with our team to understand what we need out of each potential new hire, help us craft our job descriptions, and then help screen the hundreds of job applicants — which saves our own team hours of work. Plus, their services are structured in a way that incentivizes them to make sure that each hire stays for the long-term.

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Ask good screening questions.

One of the best ways to select the most culturally aligned job candidates out of a large group of applicants (besides enlisting the help of a professional firm) is to ask thoughtful screening questions when they apply for a position.

Requiring these questions (in addition to the standard resume and cover letter) improves the odds that you’ll only get applications from people who take the process seriously.

Plus, reading applicants’ brief responses to screening questions can give you very valuable insights early on into whether the applicant understands what the job will demand and has the skills and talents to do it well.

Our Director of Sales Tom Foster mentioned in this podcast interview that when he applied for his current job at The Receptionist, he was impressed by these screening questions. Right away, he could tell that our company was invested in finding the right person — a far cry from trying to fill a seat as quickly as possible.

Watch job candidates in action.

At The Receptionist, all job candidates who reach a certain point in the interview process undergo a “customer experience simulation.”

They hop onto Intercom, the program we use to communicate with our customers and track their issues, and try to help “customers” via chat and email. Tom even got on the phone with our President, Andy Alsop, for a simulated sales call.

Tom was also given a chance to put together a brief “go to market” strategy on the spot and discuss a few things he would do to improve the way we make sales.

For most jobs and positions, hiring managers can find creative ways to give applicants the chance to “try out” for their roles demonstrating a little bit of what they can actually do before they’re hired.

As Tom said, this kind of experience in the hiring process can help a hiring manager analyze whether or not a job candidate is willing to be bold and is comfortable jumping in to their new role. Of course, it also gives potential employers very unique insights into how the candidate might handle similar situations once they’re actually on the job.

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Get the whole team involved in the hiring decision-making.

This might not be possible with larger teams or teams that work more remotely. But at The Receptionist, we involve the entire team in the hiring process. In fact, we have each team member rate each job candidate on a scale of one to five on the factors of experience, teamwork, competency, and culture fit.

They can do that because toward the end of an applicant’s interview process at The Receptionist — subsequent to the initial screening and an interview with the leadership team — the applicant spends an entire day in the office and meets the rest of the people they will be working with.

Meeting face-to-face allows people to make a more meaningful connection, and it gives everyone an even better idea of how they would mesh together if working together in real life.

It also shows each existing team member that we value their opinion, and it makes them feel more invested in helping the hiring process (and new hires) succeed.

This step is time-consuming compared to the way other companies hire. However, we have found it to be well worth the effort. Plus, once we do make a final decision, that new hire feels like part of the team right away because they’ve already spent time with everyone. An intensive hiring process, in our opinion, cuts down on onboarding time later.

Take your time (and don’t be afraid to start over).

We’ve all heard the advice to “hire slow and fire fast,” and it’s absolutely true.

As The Receptionist President Andy Alsop mentioned in our podcast episode How We Hire, it can be frustrating to reach the end of the interview process and realize that you don’t have any applicants that you’re thrilled about .

Repeating the hiring process is expensive and time-consuming, and starting over can seem daunting — especially if you have pressing needs.

However, hiring the wrong person won’t help you meet urgent needs or get caught up. It more than likely will end up with you starting the interview process over again later, with even more time wasted on onboarding and training.

Increase User Engagement with Google Analytics

Google For every action there must be an equal and opposite reaction. These words are said in common to almost every work we do. By correlating this quote with our digital marketing strategy earning more out of your campaigns is simple than anything in this world.


We all know that in bound marketing is the best, easy and effective strategy every marketer use to increase Return of Investment. In order to do this a webpage must contain an appealing content that worthwhile our effort put over it. To calculate the revenue from any of our webpage Google is offering a most effective and free tool called “Google Analytics” to every webmaster.

From the above mentioned tool one can get useful insights that make our website more stronger than our competitors. In this article we are going to discuss about, how to maintain a descent user engagement with below metrics.

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Number of Returning Visitors:

Regardless of domain, unless and until a business has returning visitors it is obvious that it is bad time for the entrepreneur. The same theory applies here too. Typical visitors are of different kind, some might subscribe to your website’s content via RSS feed or newsletter or email subscription (if and only if you provide worthy content). But the chances of these subscribers visiting your blog are very less.

Few returning visitors would be like dedicatedly waiting for your site’s content for update. Though the visitor’s count is very less it would help us a lot. So, in order to calculate the exact graph of returning visitors to your blog just visit the “Frequency and Recency” section in “Audience” tab. After viewing the overview of this section you shall increase your content to have a very good number of returning visitors.

Visitor Engagement:

According to Google or any other major search engines, user engagement is calculated on the basis of how visitor navigates or moves through pages. This metric is available at the “Engagement” section in “Audience” tab. The timings are calculated starting from 0-10 seconds. If you closely examine the statics, the 0-10 seconds portion will be always high, because Google never calculates the time spent on a specific page for bounce rate.

Average time on a site & Bounce Rate:

To calculate this consider the below metrics,

Average Pages per visit: This metric tells you that how many pages your visitor goes to in your website? It is already said, for a blog page the user engagement will be 0-10 seconds. To improve the engagement it is advised to provide related or recent posts links at the bottom or side of the blog post. This would increase the user engagement and says that our visitors are navigating through internal links.

Time on site: Every page in a website has its own time period. For example the number of pages is low and the time spent on site is high and it’s a blog then users are entering into the particular post, reading it for some time and then leaving the website. This shows the difference between various blog posts and the one the needs maximum care.

Bounce: This explains nothing but, if a visitor come to your site and leaves the page without engaging with other pages in your site. Many times a very high bounce rate is to be expected so to keep your visitor engaged and reduce bounce rate including call to action or video in the post are wise action. Hope this infographic by kissmetric will be helpful to you,

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Email Conversions:

If you are trying to increase your email subscribers list it is wise to monitor the email subscription rate. If your content are really good visitors will obviously subscribe to your newsletter. The prominent way of monitoring the total number of visitors subscribing for your newsletter is by re-directing them to a Thank you page after subscription by setting a Goal with Google Analytics. This tell you how far you have achieved your goal.

There is on option to measure how many visitors are returning to your website through email marketing in Google Analytics.

Engagement by Various Channels:

Like measuring engagement through email marketing, it is possible to measure the other source that leads to your page visits. For instance if you are getting more visitors from your tweet that contains your link, then it is a wise decision to concentrate more on that source to increase visitors. To calculate this, navigate to Traffic -> All sources. The nature of this feature is to let you know which channel is working and not working.