3 Reasons Why Your Startup Should Operate in a Coworking Space

In 2017, Officevibe.com released an infographic on coworking statistics you might not know about. The infographic stated that by 2020, 40% of the current workforce will be made up of freelancers, solopreneurs, and independent contractors.

That’s less than three short years away!

While there’s no way to know yet where all of those independent workers will be conducting business from, it’s safe to assume many will be setting up shop in a coworking space.


For entrepreneurs starting up their own businesses, operating from a coworking space offers a series of advantages for both the entrepreneur and their startup. In fact, we advocate for small businesses to skip renting a traditional storefront in favor of embracing being a part of the sharing economy—at least in the early years of being in business.

Here’s a look at the goodness a shared workspace has to offer.

1. It’s Fairly Inexpensive

Anyone who has ever started their own business can tell you it’s not a cheap endeavor. Now’s the time to bootstrap, not spend money like it’s growing on trees. One area that easily adds up each month is buying or leasing an office.

Here, you’re paying for the space and depending on the area you’re in, you might be paying much more than anticipated. Add utilities, internet, furniture, and tech gadgets like computers into that bill.

You also probably need a cleaning service to keep everything tidy. Oh, and if any repairs need to be made on a clogged bathroom toilet or leaky roof that’s coming out of your wallet too.

Want to get out of the lease sooner if your bank account heads into the red? That might not be possible depending on the agreement you signed.

Sounds like it’s time to get a membership with a coworking space. Here, you’ll receive a workspace based out of a bigger building, loaded with amenities like WiFi and break rooms (including snacks and drinks), the ability to use office equipment like fax machines and printers, work out of common areas, and use meeting rooms for conferences with clients.

While prices for each coworking place vary depending on where you’re located, you can rest assured that on a yearly basis you’ll still be paying far less than you would with a private office.

2. You’ll Get Your Work Done—Happily

In open spaces like these, there’s always the worry that there will be too many distractions to keep from getting work done. You might even be concerned that you’ll spend too much of your time waiting to use certain rooms or pieces of equipment since it’s a shared environment.

However, Officevibe’s coworking infographic offers up a surprising amount of figures that contradict all of the above.


In a shared space, 92% of workers say that they are satisfied there. They’re able to get work done on time (64%), can focus (68%), and even feel healthier (70%) out of these spaces than they would a traditional office location.

Whether you’re working solo or with a team, you’ll have the flexibility and openness of the coworking space to thank for getting the job done and well.

3. You’ll Gain a Sense of Community

One of the downsides to working out of your own office or remotely from home is that it’s not uncommon to feel a little lonely. This is why so many listicles insist that solopreneurs make the time to get outside and walk around or work out of a coffee shop for a change of scenery.

At a coworking space, community is all around you. Take advantage of the fact that other entrepreneurs and freelancers work in close proximity to your company. Introduce yourself and get to know more about them and what they do while sharing your own elevator pitch about your business.

According to the infographic, 91% of workers have better interactions with others after coworking and 90% even admit to feeling more confident too.

Make it a point to step away from your screen and get to know your respective neighbors each week. You never know who you might meet in your coworking building—could be a potential collaborator, new employee, or possible investor who can help take your startup to the next level!

The post 3 Reasons Why Your Startup Should Operate in a Coworking Space appeared first on Fundera Ledger.

from Fundera Ledger https://www.fundera.com/blog/coworking-space
3 Reasons Why Your Startup Should Operate in a Coworking Space

first seen on http://barbarapjohnson.blogspot.com

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Keto Cookies: Crunchy Chocolate Nut Biscotti (Sugar-Free)

These Chocolate Nut Biscotti Keto Cookies are not necessarily for those in the induction stage of Keto or Atkins but as you start losing weight and want to add in a Low-carb snack once in a while this is a crunchy winner. If you’re just looking for a sweet snack without all the sugar this is the perfect cookie for you. With the holidays around the corner every low-carb foodie is thinking about baking cookies that they can serve to their guests and to snack on themselves. One of the biggest challenges for any holiday is to curb the over-indulgence in sweets and savoury foods that can easily add extra pounds if you’re not careful. Related: Low-Carb Sugar-Free Salted Caramel Cheesecake   Keto-Living made easy   Don’t leave home without thinking about your nutritional needs. Even for Keto, Low-carb lifestyle food lovers this challenge is just as real especially when there are no snacks or treats available at gatherings. Sure you could sneak in an Atkins or Kirkland Protein Bar but who wants to do that unless you know you struggle to control your sweet tooth urges. The last thing you want to do is step out of ketosis but […]

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Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

The post Keto Cookies: Crunchy Chocolate Nut Biscotti (Sugar-Free) appeared first on Canadian Budget Binder.

from Canadian Budget Binder http://canadianbudgetbinder.com/2017/11/19/crunchy-biscotti-sugar-free-keto-cookies/

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4 Ways Your Small Business Benefits from Referrals

As a small business, word of mouth marketing is a reliable and cost-effective way to grow your business. Fortunately, we live in a world where people generally root for and want to see small businesses succeed. And whether it be a face-to-face conversation, text or social media message, word of mouth has a way of… Read more

The post 4 Ways Your Small Business Benefits from Referrals appeared first on Kabbage Small Business Blog.

from Kabbage Small Business Blog https://www.kabbage.com/blog/referral-benefits
4 Ways Your Small Business Benefits from Referrals

first seen on http://barbarapjohnson.blogspot.com

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How Will Your Business Respond to a Ransomware Attack?

The worldwide ransomware epidemic is getting worse all the time. Companies that fail to protect themselves risk losing important business data, including customer files, product designs, supplier contracts, and more.

You can take some specific steps to quickly recover digital business files following a ransomware attack—and it can be done without paying the ransom or dealing with cybercriminals.

But before we get into that, let’s talk about the scope of the ransomware problem and how to protect your business from the latest threats.

What Is Ransomware?

Ransomware is a category of malware—or malicious software—designed by cybercriminals to encrypt your computer files and paralyze your business. After your files are encrypted, the software displays a ransom note with instructions on how to pay the cybercriminals in exchange for a decryption key. Payment is usually made in the form of
Bitcoin, cyber-currency that’s nearly impossible to trace.

Ransomware is usually distributed via phishing emails with infected attachments or through dangerous web links. Cybercriminals are also known to exploit security vulnerabilities, hack into computer networks, and manually implant ransomware.

Market for Ransomware Skyrockets

The current ransomware epidemic began making headlines in 2013, and there’s no end to the scourge in sight. If you need proof, look no further than the dark web—where both experienced and amateurish cybercriminals buy and sell ransomware hoping to make a profit.

IT security firm Carbon Black monitored dark web forums over the last two years and analyzed the prices of individual ransomware viruses and do-it-yourself ransomware distribution kits. The company estimates that sales of ransomware increased from $250,000 to more than $6 million between 2016 and 2017.

The report also found that some ransomware vendors are personally taking in more than $100,000 per year, presumably tax free.

New Ransomware Threats Emerge


Ransomware viruses are abundant. Developers often come up with creepy sounding names for the file-encrypting menaces. Some of the most effective and well-known ransomware viruses include Locky, CryptoLocker, and Cerber.

And of course there was WannaCry, the ransomware that raced around the globe last May, infecting more than 200,000 computer systems in the process.

New ransomware variants are emerging all the time. Here’s a quick look at a few of them:

Locky Gets a Powerful Makeover

Locky was once the most prevalent form of ransomware, but then infections seemed to taper off last year. Well that’s all over because Locky is back and meaner than ever.

Security researchers in September discovered a new version of Locky that was used in 20 million attempted ransomware attacks in one day alone. The goal of such widespread attacks is to cast a wide net and snare as many ransomware victims as possible.

Troll Encrypts Everything

The Microsoft Windows Defender Security Intelligence team in September spotted a new form of ransomware—dubbed Troll—that targets Microsoft Windows users and encrypts every file on the victim’s computer regardless of its location or file extension. Security researchers warn that this could lead to Windows failing.

Magniber Could Spread Fast

Cybercriminals are using a technique called “malvertising” to spread a new form of ransomware called Magniber. Malvertisements are disguised as legitimate advertisements on a website. But when a victim clicks on the ads, they unleash a ransomware attack that encrypts their files and demands a ransom.

Magniber is currently being used to target victims in South Korea, but as we’ve seen in the past, it could spread quickly.

How to Prevent a Successful Ransomware Attack


The number-one way to prevent a successful ransomware attack is to exercise extreme caution before opening an email attachment or clicking on links embedded within the body of an email.

Cybercriminals have gotten very good at creating deceptive emails that appear to come from your bank, your credit card provider or other legitimate companies. They may also appear to come from friends or relatives.

Do not open any attachments or click on links unless you’re absolutely certain the email comes from a trustworthy source. Here are a few other ways to prevent a ransomware attack:

  • Use firewall and antivirus software and keep it up-to-date.
  • Educate yourself and employees on how to avoid the dangers of phishing emails.
  • Apply the latest security patches to operating systems and business applications.

How to Respond to a Ransomware Attack

When all else fails and your computer becomes infected with ransomware, you can get your files back without paying the ransom. But it only works if you take the initiative and back up your computer files to the cloud before a ransomware attack occurs.

If your files are backed up to the cloud and your computer gets infected with ransomware, take the following steps. Please note that these instructions apply to Microsoft Windows-based computers, but the steps for Mac users are very similar:

  1. Remove the infected computer from the network so the ransomware can’t spread to other computers. If the computer is not running on a network, skip this step.
  2. Shut down the computer by holding down on the power button.
  3. Turn the computer back on and select “Safe Mode with Networking.”
  4. Reconnect to the internet. Then download and run a malware detection and removal tool such as Malwarebytes or Norton Power Eraser.
  5. Once the virus is removed, delete all encrypted files and restore clean versions from your cloud backup service.

Remember, if your computer files are properly backed up, you’ll never have to pay the ransom.

The post How Will Your Business Respond to a Ransomware Attack? appeared first on Fundera Ledger.

from Fundera Ledger https://www.fundera.com/blog/ransomware-attack
How Will Your Business Respond to a Ransomware Attack?

first seen on http://barbarapjohnson.blogspot.com

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Everything You Need To Know About Porting A Mortgage In Canada: The Saturday Weekend Review #241

IT’S WORTH KNOWING THE INS AND OUTS OF YOUR MORTGAGE   It’s true and certainly something to always be mindful of, “It’s not about how much money you make, it’s how you save it.” When it comes to porting a mortgage in Canada, there are some things like interest rates that you need to factor into the equation, and we will cover these in detail in this article. Homeowners in Canada, and potential homeowners are faced with many important questions when it comes to mortgages. We are living through interesting times with respect to interest rates. The Fed is expected to raise rates further before the end of 2017, the Bank of England is clearly on a similar trajectory, and in time the European Central Bank will move away from quantitative easing towards quantitative tightening. What does this mean for mortgage holders around the world?   The Canadian Economic Scene   In Canada, the current bank rate is 1%. The BOC (Bank of Canada) decided to maintain the overnight rates when it met on Wednesday, 21 October 2017. The Bank of Canada forecasts that inflation will hit 2% by Q2 2018, later than economists projected. In 2017, real GDP grew […]

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Mr. CBB was born and raised in the United Kingdom who then moved to Canada where he is a permanent resident. He recently became a father to a very busy toddler who allows him to be a kid at heart. He bought his first house at the age of 21 after University and his second at the age of 24. Both Mr.CBB and his wife are Debt and Mortgage Free and they did it all in under 5 years using a Budget. Canadian Budget Binder is a place where he shares their financial experiences with his readers and hopes to learn about theirs. Welcome to CBB!

The post Everything You Need To Know About Porting A Mortgage In Canada: The Saturday Weekend Review #241 appeared first on Canadian Budget Binder.

from Canadian Budget Binder http://canadianbudgetbinder.com/2017/11/18/porting-mortgage-canada/

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Yorks Bakery closes Colmore Row cafe after going into liquidation – but plans to reopen it

Yorks Artisan Bakeries has gone into liquidation but boss hopes to return

from birminghampost – Business http://www.birminghampost.co.uk/business/business-news/yorks-bakery-closes-colmore-row-13905557

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Government threatens legislation to force Channel 4 to move out of London

Culture Secretary Karen Bradley insists the Government is ready to force Channel 4 to move to a new headquarters against its will

from birminghampost – Business http://www.birminghampost.co.uk/business/creative/government-threatens-legislation-force-channel-13916886

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Is There a Chase Sapphire Business Card?


What’s not to love about the Chase Sapphire cards?

With stellar rewards programs and optimal returns on dining and travel, it’s easy to wonder, “Can I get the Chase Sapphire’s rewards for my business spending?”

Technically speaking, there is no Chase Sapphire business card. The Chase Sapphire cards are both consumer cards, although you can use them for business spending, they’ll always be under your name as an individual. Plus, you’ll likely gain access to a lower credit line than you would with a business credit card.

That said, there are business credit cards that offer similar, perhaps even better, rewards to the Chase Sapphire Cards.

But, for starters, let’s dive into the details of what theChase Sapphire Preferred and the Chase Sapphire Reserve can offer to its cardholders:

The Chase Sapphire Preferred

The first of the two Sapphire cards is the Chase Sapphire Preferred. Let’s run through the key features:

  • 50,000 bonus rewards points when you spend $4,000 during your first three months
  • This could mean $625 worth of free travel if redeemed through Chase Ultimate Rewards
  • 2x every dollar you spend on travel and dining
  • $95 annual fee (Chase will waive your first annual fee)

Bottom line: If you’re looking for a consumer card with a mid-range annual fee and high-level rewards, the Chase Sapphire Preferred could be your best bet.

The Chase Sapphire Reserve

On the other hand, if you’re looking for astronomical rewards rates, and you’re not afraid of a substantial annual fee, then the Chase Sapphire Reserve might be a better fit for you. Let’s run through the highlights: 

  • 50,000 bonus rewards points when you spend $4,000 during your first three months with the card
  • 3x rewards on all of your travel and dining purchases
  • Get 50% more value when you redeem for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards. that means, 50,000 points are worth $750 toward travel
  • No blackout dates or travel restrictions—as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards
  • There’s a $400 annual fee, but that’s waived for the first year and offset by a $300 yearly travel credit

As we said, the Chase Sapphire Reserve is a great option for those looking for high rewards but aren’t afraid of a high expense.

Is There a Business Version of the Chase Sapphire Cards?

//As a reminder, there is no business-specific Chase Sapphire card. That said, Chase offers one business credit card in particular that does a great job of emulating the Sapphire cards’ incredible rewards rates and signing bonuses— the Chase Ink Preferred.

The Rundown on the Chase Ink Preferred

As the Sapphire credit cards indicate, Chase knows how to package a sweet credit card deal. And its business credit cards are no exception.

The Chase Ink Preferred offers a hefty welcome bonus and incredible rewards rates. Not to mention, it also gives the cardholder access to the same Chase Ultimate Rewards that the Sapphire cards do.

But it’s time we take a look at the details: 

  • 80,000 bonus rewards if you spend $5,000 during your first three months
  • This is worth $1,000 of free travel when redeemed through Chase Ultimate Rewards
  • 3x rewards for the first $150,000 you spend within certain categories
  • After that cap and outside of those spending categories, you’ll earn 1x rewards for each dollar you spend.
  • Despite the top-of-the-line rewards it offers, the Ink Preferred’s annual fee is only $95

Where the Ink Preferred Excels

So, you started out this article asking if there was a Chase Sapphire business credit card. Though, as you quickly found out, there isn’t a Sapphire business card, all things considered, the Chase Ink Preferred is likely a better bet for your business spending anyway.

For starters, the Ink Business Preferred comes with a bigger signing bonus—you’ll get 30,000 more bonus points in than you would with the Sapphire Preferred of the Sapphire Reserve.

Additionally, the Ink Preferred comes with more business-friendly top earning categories than the Sapphire cards. Instead of just dining and travel, the Ink Preferred lets you earn more for travel, advertisement, shipping, and communication services, which are all purchases that small businesses often shell out a lot of cash on.

Not to mention, because the Ink Preferred is a business credit card and not a personal one, additional employee cards will come free and you’ll likely be able to access a higher credit limit.

All in all, there are more than a few reasons why the Ink Preferred would be a better fit for your business spending than a Chase Sapphire card.

What the Ink Preferred Lacks

Still, there are a few things you would miss out on if you opted for the Chase Ink Preferred over the Chase Sapphire Cards.

One in particular is the elevated reward points worth that you can access through the Chase Sapphire Reserve card. When you redeem your points through Chase Ultimate Rewards, the points you earn with a Sapphire Reserve are worth 50% more, whereas they’re only worth 25% more with the Chase Ink Preferred.

Plus, you won’t be able to have your first annual fee waived with the Chase Ink Preferred as you would with the Sapphire Preferred. A first year without an annual fee is the perfect way to try a credit card out without committing any money to it, but you won’t be able to have that option with the Chase Ink Preferred.

As no credit card is perfect, the Chase Ink Preferred admittedly leaves some things to be desired, most of which, the Sapphire cards step up to the plate to fulfill.

Is the Ink Preferred the Perfect Business Counterpart to the Sapphire?

Both the Chase Ink Preferred and the Chase Sapphire cards are pretty stellar in their own ways.

Where one card lacks, another will fill in. Luckily, these cards are far from mutually exclusive. In fact, they work wonderfully in tandem, because Chase allows you to transfer your business rewards points to your personal account and vice versa.

Though the Sapphire cards are some of the best consumer credit cards on the market, the Ink Preferred outpaces them, especially when it comes to business spending.

The way we see it, business owners should be asking themselves if there’s a Chase Ink Preferred consumer card, and not the other way around.

Apply for The Chase Ink Business Preferred


The post Is There a Chase Sapphire Business Card? appeared first on Fundera Ledger.

from Fundera Ledger https://www.fundera.com/blog/chase-sapphire-business-card
Is There a Chase Sapphire Business Card?

first seen on http://barbarapjohnson.blogspot.com

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Jaguar Land Rover tests driverless vehicles on public roads

Luxury car manufacturer has taken to city centre streets for trials among everyday traffic

from birminghampost – Business http://www.birminghampost.co.uk/business/manufacturing/jaguar-land-rover-tests-driverless-13916070

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60pc of businesses reliant on interims for leadership positions

Executive search firm Holmes Noble has surveyed more than 150 different businesses to ask them why they turned to interim leaders to help solve their problems

from birminghampost – Business http://www.birminghampost.co.uk/special-features/60pc-businesses-reliant-interims-leadership-13917033

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