A Comprehensive Guide of SMSF Home Loan

Jan 18 2024 Published by admin under Uncategorized

An ever-increasing number of Australians are seeking to take more control and be engaged in their superannuation. With more than 1/3 of their entire superannuation pool of funds within this area, the Self-Managed Super Fund (SMSF) seems to be getting ideal retirement planning for many Australians. An SMSF home loan truly allows you to take your fate in your command and enhance your retirement savings in the manner you think will be best for your future.

What do you understand by SMSF home loan?

An SMSF aims to give yourself more power over your super, the amount you pay into it, and where and how much of it spent. It is a private superannuation fund that you can handle yourself, instead of dealing with a superannuation provider.

Factors to take into account before considering SMSF home loans

Cashflow effect: Money and stocks are usually regarded as more liquid assets since they’re generally simple to get and move around. On the other hand, home or property regarded as non-liquid an asset you can get; it’s inflexible, hard to market and hard to get into the equity or value in it.

Expenses: Investors tend to be put off SMSF home loan because of the wide assortment of costly spending associated with them. It can take a group of lawyers, accountants and several other parties to make sure everything is trustworthy and on schedule, which isn’t cheap. Expenses include Upfront charge, Advice charge, Legal charge, Stamp duty charge, Bank charges.

Benefits of SMSF home loan

An SMSF can be cheaper to deal with as compared to other retail super funds.
Resources within the SMSF home loans are secured from creditors if a person dies bankrupt.
Member has flexibility and control on what their superannuation fund has been spent in.
Asset and resource protection may be an integral concern for Australians, particularly business owners, and superannuation may be a structure that secures an individual from bankruptcy and legal action.
Are You thinking of investing in home loans in Sydney, Australia? Then consult our home loan brokers at Your Finance Advisor to get assistance in your financial decision.

Your Finance Advisor is an Australian most trusted and prominent finance advising company. Our skilled and trained team of home loan brokers expertise in securing the best possible guarantor home loans in Australia for our potential customers that suits their lending needs.

The reliable and dependent team of Your Finance Advisor has been working in this sector for the last several years. It has a great experience in advising the customers about eligibility criteria and highlights of the SMSF home loans in Australia and assisting them to get the best solution for applying to the loan.

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Everything you need to know about Liquid Funds

Jan 18 2024 Published by admin under Uncategorized

A Liquid Mutual Fund is a debt fund which predominantly invests in liquid money market and debt securities which are of shorter duration maturity of upto 91 days. Asset allocation in Liquid fund consists of:

Treasury Bills (T-bills),
Government Securities (G-secs),
Commercial Paper (CP),
Certificates of Deposit (CD)
Collateralized Lending & Borrowing Obligations (CBLO).
Liquid funds don’t have any lock-in period and provide low interest rate risk in the debt fund category. Some Liquid funds also provide redemption within 24 hours of the business day.

How do they work?

The primary focus of liquid funds is to provide a high degree of liquidity & safety of the capital for investors. Since liquid fund portfolio is invested in for short duration (91 days), it has low sensitivity of interest rate movements, making liquid funds less volatile and provide steady returns.

How much returns do Liquid Funds provide?

Liquid funds are a good alternative against savings account deposits and tend to provide better return than fixed deposits. Even though the returns are not guaranteed but are less risky than equity funds.

Who can invest in Liquid Fund?

Anyone who has surplus cash can park their idle money by investing in a liquid fund which lets you earn slightly higher returns and better liquidity. Liquid funds are said to be an entry point to invest in mutual funds. It also allows you to switch from liquid fund to other category of mutual funds of your choice.

Other traits of Liquid Fund

Unlike other funds, Liquid Funds generally have a lower expense ratio. They are preferred by most debt investors, as it helps in maximizing their gains. Since portfolio maturity is of a shorter period, liquid funds invest and hold the security until maturity. Thus, the fund does not incur expenses due to excessive buying and selling of securities.

Since liquid funds fall in the category of debt funds. They provide tax indexation benefit which helps long term investors to cope better with inflation when subjected to capital gains tax.

Liquid funds are used by many investors to create an emergency fund as they are highly liquid. Ideally, they are designed for investors with a 3-month investment horizon. Wealth managers suggest liquid funds as a suitable parking ground when you have a sudden influx of cash, which could be from a huge bonus, or selling of real estate property and so on and so forth. Investors looking out for opportunities in equities and long-term fixed income instruments can also park their money in the liquid funds until a favorable opportunity arises in the market.

Liquid Funds do not charge any exit loads after 7 days from the date of investment. The exit load amount gradually reduces from the first day to the 7th day from the date of investment. It offers growth & dividend options.

In dividend option, one can choose daily, weekly or monthly dividends depending on their investment horizon & principle amount. Redemption requests in these Liquid funds are processed within one working (T+1) day. Since today it’s become easier to invest in Mutual Funds, individual investors may choose Liquid funds as an effective short-term investment option over their savings bank account.

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ESG Investing: Explained & Simplified

Jan 18 2024 Published by admin under Uncategorized

If you’ve started to become environmental friendly and value certain ethics and principles, then you’d want your investments to follow the same values as well. That’s where ESG investing comes in.

What is ESG Investing?

ESG investing means investing in companies that contribute to better people, planet & profits, without sacrificing investment returns. ESG factors may include non-financial parameters that does have a material impact on a company’s long-term financial health.

ESG encourages companies to look beyond traditional parameters and measure sustainability. Companies are evaluated on quantitative and qualitative parameters. ESG factors cover a wide spectrum of aspects that may not be part of financial analysis, yet may have financial relevance. This might include how corporations respond to issues such as climate change, water management, health and safety policies, supply chain management, treatment of minority workers and whether they imbibe a culture of innovation & trust.

Let’s understand thefull form of ESG funds

E – indicates a company’s exposure to environmental issues such as energy conservation, pollution control, climate change, carbon neutrality, treatment of animals, water management, etc.

S – Social, includes companies’ ability to attract and retain skilled manpower at a socially responsible manner incorporating an inclusive workforce irrespective of gender, race or color. Other socially responsible initiatives could include providing the locals with access to education and medical facilities and avoiding product liability issues.

G- indicates a well-run company with strong governance, how does it interact with shareholders, how does the management drive leadership and bring effective adherence to policies and procedures, while fostering integrity, honesty and transparency at all levels.

Why should you make an investment in ESG? Investors can grow their corpus by investing in companies that take care of environmental, social and governance factors:

Companies who care about such values resonate with consumers and investors,
have lower costs and improved operational performance,
create sustainable value and
Enjoy corporate longevity.
For companies that do not incorporate ESG parameters they:

End up losing their customer base,
Fail to attract/retain good talent,
Run the risk of facing litigation and regulatory actions etc.
Therefore, ESG investing reduces your exposure to risk and contributes to growth over the long term.

ESG Investing is Responsible Investing You experience a sense of personal satisfaction when you choose to buy organic vegetables from the local vendor as compared to buying vegetables that look nearly half as fresh from a supermarket. Similarly, when you invest in companies that are sensitive to ESG parameters, you feel empowered to invest in companies that reflect the fundamentals that you believe in.

In coming times, corporate India will have to follow stipulated norms and regulations or provide extensive disclosures on adherence to responsible business practices.

ESG criteria broadens the ecosystem of how participants interact with each other. For instance, on the social side, it identifies companies that have built a sustainable relationship with employees, suppliers, communities and investors at large; and have built a strong reputation with the potential to generate more business. A significant proportion of a company’s valuation is tied to intangible environmental and social and governance parameters that material impact on its financial outcome.

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Energy Management Consultants Enabling Conservation

Jul 06 2023 Published by admin under Uncategorized

Today, optimizing energy consumption is one of the biggest challenges faced by companies and industrial facilities across the globe, with energy prices constantly rising. Not only are we facing the pressure of increasing prices, but increased energy usage is also leading to devastatingly negative impacts on the environment.

Companies today are being held more answerable for their role in environmental impact. Effectively managing and reducing energy consumption will help companies save money and help in alleviating climate change, making energy management the need of the hour. One of the most compelling reasons for saving energy is the reduction in the cost to a company – many organizations have reportedly saved up to 20% of their energy cost by managing their energy consumption effectively.

Management refers to inspecting, planning and optimizing the operational processes of business units to reduce their environmental impact. It is imperative to include energy monitoring in the organizational structure, so that it can be implemented across the entire organization to create maximum impact. Integration and coordination can ensure the fulfillment of a strategy. Energy monitoring is the source of saving energy within your organization.

Conversations regarding the importance of energy conservation are taking place at the global level – the global need affects price of energy, carbon emissions, greenhouse gas emissions and country legislation’s, all of which create convincing reasons why you should prioritize energy conservation within your organization.

Energy management consultants will look into resource conservation, environmental safeguarding and cost-efficiency, while developing the energy tactics for a company. Consultants provide management services that encourage companies to lower energy costs and reduce greenhouse gas emission, taking a small leap forward in environmental conservation. Consultants will also help companies identify savings opportunities for energy, enabling them to reduce their carbon footprint.

Comprehensive management planning is the process of continuous improvement in energy efficiency, without compromising on your core business productivity. Management consultants will help you to determine and analyze your power consumption patterns and find solutions for savings, by showcasing the cost-benefit analysis for your company. Energy management consultants will also instruct staff and relevant stakeholders to maintain and enhance the energy program that they have derived for the company. They will conduct due diligence and independently evaluate the execution of the program, to ensure that the company meets its goals of energy efficiency, thus becoming safer, more environmentally friendly and productive in terms of optimizing capital and operating costs.

An energy strategy should now be integrated into the overall strategy of any company, without affecting the business productivity and output. By developing a comprehensive strategy, a company will have the opportunity to mitigate risks and save costs, thus giving them an edge over business rivals. If you have set energy as a priority in your business, consultants will play an important role in helping you achieve your energy conservation and efficiency targets.

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Learn Through Consulting Services How To Increase Skin Care Product Sales With E-Commerce Websites

Jul 06 2023 Published by admin under Uncategorized

This is especially true for brands, which invest heavily in online marketing campaigns such as Search Engine Optimization, Social Media Marketing, Content Marketing or any other method. In short, the brands that spend the most money on online marketing have the most motivation to learn.

It is not just the websites that have lots of traffic, due to marketing that can benefit from increasing conversion and sales opportunities. Newer brands and websites as well would prefer to have better return on investment with e-commerce websites.

Consulting Services are great tool to Increase Sales

Working through consulting services and with an experienced industry specific consultant can yield excellent results for a brand. Skin care companies have it very competitive online with the average consumer being highly educated and knowledgeable. These beauty consumers spend much time researching and conducting their due diligence on anti aging products, acne treatment, and other types of skin care products.

For a skin care website to convert higher in e-commerce sales online, a brand must understand conversion optimization techniques, website design and development, as well as the requirements of online marketing campaigns.

An experienced consultant can assist a skin care brand in identifying elements in various areas of the website that need improvement, re-positioning, or edits to increase sales. In most cases, it is either or the combination of the skin care home page layout, e-commerce store pages, and product offering that needs to be addressed.

Skin Care Website Home Page Layout & Design

Home page layout is probably one of the most important if not “The” most important area of a skin care website. Regardless of the e-commerce store pages or product offerings, the home page is critical to increasing online sales.

The home page of a skin care website has to incorporate certain elements to support marketing efforts and the success of them. For example, if a company relies on Search Engine Optimization to gain website traffic, the home page has to have at least a 350 word SEO copy on the home page, preferably at the top of the page. Without scrolling a website visitor should be able to see this text copy. This is very important for SEO marketing campaigns and the success of them. Google dictates much of this in order to rank high within their search. The text copy has to be in alignment with the keywords, title tags, and Meta description.

Brands that have only a large image on the home page, loose much momentum in growth ability when organically marketing their website. They simply lack the conversion elements of a home page layout. To often skin care brands mirror the look after a larger brand, which have different marketing budgets, market reach and already may have the needed traffic for e-commerce sales.

Smaller brands and skin care companies that wish to grow online with traffic and sales, must realize that their home page layout cannot be like a larger brand. These larger brands may have a different strategy or are in a different position altogether. This is a very common mistake amongst beauty brand website designs.

Here are some home page layout elements that improve marketing results and sales:

Quality written SEO text copy
User-friendly navigation
Correct Meta data (keywords, title tags, description)
Discounts, specials, promotions
Latest articles via company blog
Products linked to storefront
Hosting quality (speed of the website)
Conversion Optimization tools
Improving Conversion For E-commerce Websites & Store Pages

To increase sales online, the website e-commerce store pages as well have to be designed, developed, and architected correctly. Many storefronts are not customized properly or enough to convert higher. They at times are lacking certain elements to improve sales.

Statistics already show that in most cases store abandonment is as high as 50%. This means every other website visitor who starts the checkout process, abandons it and does not complete the purchase. This increases the need to improve store pages for conversion.

Established skin care brands and newer operations must setup their storefronts in ways that will increase the potential for a sale. Here are some ideas and methods to increase sales:

User-friendly product navigation
Easy to understand product groupings
Quick shopper account review
Recently viewed products
Cross sale products functions
Easy to read highlights of products
Short checkout process
Accreditation and certification displayed
Display payment options
Show guarantees and offers
Product Offering, Sales, and Promotions

One of the best methods to motivate a potential buyer and customer is through product sales and promotions. It matters how certain products are offered as well. To increase sales online, a skin care website must give website visitors incentives to purchase products.

Adjusting at times how products are offered can quickly produce results. For example, if a skin care website is not offering packages and is only selling single unit items, it will tend to have less sales. Customers like to buy combination of products that make sense to them. Buying a cleanser with a toner, an anti aging kit, or an acne treatment package for example. Offering combination packages increases drastically the potential for more sales.

Here are some other sales and promotions to increase sales online:

Packaging products for multiple unit sales
Monthly sales specials
Product discounts
Shipping discounts
Coupon Sales
Gift Certificates
Return customer discounts
Seasonal sale specials
There are many ways to improve online sales and sell more skin care products through e-commerce websites. It is a continued effort of improvement, fine-tuning, and adjusting. Skin care brands must understand that they cannot always compare themselves to their competitors.

Working with experts such as through consulting services can be very beneficial. Increasing sales does not have to be such a mysterious process. A consultant can work with a brand to identify what can be improved upon on the website to have better sales results.

One of the greatest benefits of working with an expert is that all improvements made through the consulting services will benefit the brand from that point on. Any improvement to the website will continue to yield that increase in online sales for the brand.

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Recruitment Consultant Jobs – Why Now Is The Time To Apply

Jul 06 2023 Published by admin under Uncategorized

Recruitment consultant jobs are on the increase and they just might be the role that suits you best if you are looking for a rewarding career where hard work pays off; let me explain more.

The global economy is on the move and this time in the right direction. The last few years has seen a global recession with many companies either, ‘going to the wall’ or scaling down by having a job freeze or worse still making employees redundant.

On a positive note this is now changing and many organisations are recruiting again which is good news for all. So how do companies find new staff? Generally there are two ways organisations either; recruit themselves using time and resources they have internally or they hire in a team of professional recruiters.

Internal recruitment teams can vary in size and expertise. Depending on the size of the organisation they will often include people from the human resources function and people from the recruiting department. In some cases this might also include a project team if a large recruitment drive is happening. In most cases internal recruitment will still involve using recruitment agencies because of stretched internal resources.

For many companies using a recruitment company will save them both time and money in addition to providing access to a broader range of potential candidates. Why is this? The truth is a recruitment consultant can dedicate more time to the task and often with a higher level of knowledge of the available candidates. Add into this the latest awareness of the competition for talent and the value of the ‘consultant’ aspect of a recruitment consultant job is plain to see.

With employment increasing many organisations are turning to recruitment companies to supply their talent needs. This then results in a corresponding growth for recruitment companies who in turn have more vacancies for recruitment consultants.

A recruitment consultant in today’s economy has the potential to have a fulfilling, challenging and well paid job. Provided of course they are up for the role.

The good news is that gaining that role is easier than most people realise provided they have the grit and determination needed for any job that involves ‘ selling’ and ‘relationship’ building at various levels.

You can of course contact a company direct; though without prior knowledge of you or someone to ‘sell ‘you in to the hiring manager, it can be an uphill struggle.

An easier place to start is to contact a recruitment agency that specialises in the field. They are known as rec to rec companies. As the name implies they provide recruitment services exclusively to recruitment companies. Many of them specialise as well; either geographically or in specific sectors.

That means you will be able to find a rec to rec company based just in London or one that recruits consultants just for construction or retail or finance. In fact every business sector will have a rec to rec company where that is their speciality.

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How IDX/GE Consultants Can Establish An Online Business

Jul 06 2023 Published by admin under Uncategorized

If you are in the IDX/GE consultants business, you may want to establish an online business. One of the best ways to go about doing this is by using internet marketing to your advantage. Creating your website and focusing on search engine optimization is key when it comes to the success of your online business. If you want your company to have good web rankings, then you will want to make sure that your site is designed effectively and that you have keyword rich content so that people will be able to find you when they are in need of your services.

IDX/GE consultants have an important and unique job. It isn’t something that just anyone can do, because it takes a lot of skill and training. The good news is that IDX/GE consultants are knowledgeable when it comes to bringing traffic to a website, so it is easy for them to bring in the traffic that they need in order to get new business. Businesses don’t really conduct business in the same way that they used to, with all of the advances in technology, which is why it is important to understand the basic demands of the search engines.

Google and other search engines can actually help the IDX/GE consultants do their job effectively, because they have the opportunity to gain a better understanding of the algorithms that are set by Google- which is something that is always changing. As it changes, you have to update the way that you do your search engine optimization. This can really be frustrating to some people, but for the IDX/GE consulting industry, it isn’t the case. They are well versed in what goes on, and are always studying the changes so that they can adapt and thrive in an ever-changing industry.

Many companies can use the services from the IDX/GE consulting firms, because they can also take advantage of the skills that they possess in order to ensure that their business is able to rank among the top businesses on the search engines. Search engine optimization, web and flash design, and other tasks can be done with ease by these consultants, which make them a great go-to source when it comes to improving rankings and improving the look and feel of the website. Their services definitely don’t go unnoticed, even if people are not quite sure how it all works.

The truth is, not everyone is familiar with SEO and how it works to help their business, but they do know that it is important. They understand that without a solid web presence, they are leaving money on the table. The same is true for the consultants themselves. If they don’t have a decent web presence, they will likely not really be as profitable as they could. It is important that they focus on reaching their full potential by striving to have the best online business possible. It isn’t an easy job, but someone has to do it.

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How Your Company Can Benefit From Professional IT Consulting

Jul 06 2023 Published by admin under Uncategorized

Computers are rapidly overtaking the world. A few decades ago many entrepreneurs were led to believe that computers are just a passing fad and they won’t gain any real traction – and let’s face it, they could hardly have turned out any more wrong. It seems that everything is done with a computer these days, and things are only going to move further in that direction as time goes by.

So obviously, if you want to keep your business ahead of everyone else, you have to make full use of modern technology and all that it offers you. And make no mistake, it offers a lot, as long as you know how to utilize it properly. That, however, is not something you can learn overnight. Proper, in-depth experience with computers and IT takes a lot of time to acquire, so the experts in this field tend to be highly valued.

If you want to make sure that all of your business ventures are successful, as far as technology and computers are concerned, you should hire an external IT consulting company to help you out in this regard. IT consultants work pretty much like any other type of consulting business – they provide their knowledge and expertise for a price, advising you how to best utilize their skills in your work. How exactly they’re going to do that for your particular type of business depends on what kind of work you do. ‘

In general though, if your company lacks a specific IT infrastructure, your consultant will likely start there. It’s important to work on a solid foundation, and you need to have a tightly developed backend system governing your IT operations. This will allow you to easily expand later on, which is vital when dealing with IT in your business.

This is actually one of the most critical points – you need to be able to scale up your IT services according to the expansion of your business, otherwise you’re in big trouble. The most common problem business owners encounter with IT is that their companies start to grow too fast, outpacing their IT departments. What happens as a result, is that your business will start to struggle to meet its IT demands, and you’ll slowly but steadily get into some serious problems.

An IT consultant is usually best hired early on in the development of your business, as the earlier they get started reorganizing your company’s IT structure, the better. So if you realize the need for a well designed IT organization in your company, one of the first things you should do is hire an IT consultant to manage that for you. You don’t have to listen to everything they say – they’ll likely have lots of ideas coming your way and they won’t expect you to implement everything they say anyway. But by discussing those things with the consultant and filtering out the inappropriate solutions, you’re quickly going to improve your business in terms of IT in all possible aspects that modern technology offers.

IT consultants provide their knowledge and expertise for a price, advising you how to best utilize their skills in your work and improve the operations and structure of your business. To understand how your company can benefit from IT consulting, visit this website.

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Hiring a Fund Raising Consultant Adds Value

Jun 15 2023 Published by admin under Uncategorized

Perhaps the best investment that you can make into your organization is in hiring a well experienced, fundraising consultant. Times are always changing in the ways that people raise money for various different charitable organizations and companies. This article will look at a few benefits that you might gain by hiring the right professional to handle all of your fund raising activities.

Well Organized

One of the benefits of any good fundraising professional will be the fact that they are well organized and able to keep track of everything down the smallest detail for you. Keeping accurate records of every donation, and every donor including e-mail addresses, phone numbers and up-to-date addresses is one of the keys to your success.

Good Contacts

Before you consider hiring a fund raising consultant, you want to know who their contacts are in your area and worldwide if that’s appropriate for your business. Each professional consultant should have a wide variety of establish contacts and relationships built up with local nonprofit organizations.

If the fund raising consultant has established some good communication relationships with local business people and nonprofit foundations they can get you started off quickly. They should already know who is and who is not interested in various different charities. They may be able to quickly tell you who they can get on board as a donor for your company or project.

Creating Vision

A fund raising consultant should have the ability to create vision with you and your board members. Check to make sure that they have a reasonable background associated with the cause. If they do not have the required background, but they do have potential – Then it may be worth investing some time with them to see if they have the ability to adapt to the vision that you’re after.

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How to Find and Choose Article-Marketing Consultants

Jun 14 2023 Published by admin under Uncategorized

Article marketing is exploding and has been used by some of the most successful online business people that exist. It is one of the greatest ways to establish yourself as an expert in your niche, establish credibility, drive traffic to your site, gain customers and leads, and build your list. It is something that no great entrepreneur will overlook. But how do you find the perfect article-marketing consultants to help you with your article marketing campaign? This article will tell you exactly how to find and choose the right person or people to help you become more successful through this particular method.

Finding Consultants

There are a number of ways you can do this. The first and probably the best way would be to ask for a referral from a fellow entrepreneur or businessperson. Chances are that one of your acquaintances utilizes article marketing within their business and they may have found the greatest consultants for their campaigns. Simply ask if they would be willing to give you a referral for a great consultant to help you with yours.

Another way would be to perform a search. Many freelance writers who specialize in article marketing have their own websites set up so you can easily check their samples, view their feedback, and even find out what kind of prices they charge for their article marketing expertise. Often, you can find the perfect consultant in this way. However, this may take some time if you really want to find that perfect person.

A very effective way to find consultants is to search for companies that specialize in this niche specifically. There are many companies that have the best of the best when it comes to freelance writers, and they create custom content based on your niche and your needs. You can check samples and you will know the prices right up front. There are sites where the writers will bid for the job and there are sites where you simply submit your request and a qualified writer will pick it up. These are both great resources.

Choosing Consultants

Whether you find a great writer’s website or you choose to go with a bidding site or a specialty site, often you will need to choose one or a few writers out of many. This can be kind of confusing and frustrating, but there are a few ways to ensure that you are getting the one you want for your article marketing.

o Check their samples! You want to be sure your writer has a great understanding of SEO and how to place keywords within the articles. This is very important when it comes to placing first in the search engines and driving traffic to your site. You also want to be sure that the articles are great quality and will appeal to readers. There is no point in SEO if the article is unreadable to humans.

o Make sure they are reliable! Get references and check them. This is a great way to ensure the writer turns work in on time and that they have had success in helping business people with article marketing previously.

Using article-marketing consultants is a great way to boost your business and help you in your journey to great success. Use these tips and ideas to find the perfect consultants for you.

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