Serving in web design means that you are regularly having to change and keep a trace of all the latest trends in website developments. The latest technologies and techniques are cropping up all the time, and if you want to deliver the websites that your clients need then you need to at least be aware of up-and-coming web design trends. Collected, here are some dominating web design trends for 2019, that are helped while designing websites. Here are serifs on-screen, Black-and-white palettes, Geographic, Natural, organic shapes, illustration, Micro-interactions, Chatbots evolve, more video content, Minimalism, Thumb-friendly navigation, color gradient. Use Tihalt Technologies for designing your websites according to the latest web design trends. 

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Financial planning is the process of understanding your current financial situation as well as helping to plan for future spending. It’s an important part of starting and maintaining a successful business – it helps to predict earnings, plan budgets for marketing, payroll, and other business expenses, and also helps a business understand what investments, internal or external, are smart, worthwhile decisions.

Ultimately, financial planning helps you ensure that you’re tracking every dollar and making the most of each one along the way.

The steps to a successful financial planning process.

Here are some of the steps to a smart, thoughtful financial planning process that will help you build long-term success.

1. Establish your goals

To get going, you need to know your destination. What do your finances need to support? You can shape your policies and create a plan when you know what the plan needs to accomplish.

2. Gather data

After deciding on your goals – which can range from hiring new staff to grow sales to increase revenue to be able to sell the business to be able to buy another business – it’s time to start gathering data relevant to your goals. That data includes all current monetary assets, including debt, savings, projected income and revenue, and investments. Having this information gives your financial advisors and business leaders a solid starting point towards what process needs to be made and what guidelines need to be in place.

3. Analyze data

Much of the data will be related to your current financial standing, past debts, and investments. What does the data tell you? What answers does it offer? What questions does it raise? It’s important to interpret the data in light of how it will affect your goals.

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4. Create a plan

Now is the time to translate the data into actionable items. If you know the goal and you know the data that supports your decision, it’s important to start building the infrastructure that will help you meet your goals. Who will need to be involved in the planning and who will need to be involved in the execution? These are not often the same teams of people and sometimes don’t involve the people who gather and interpret the data. You’ll only know who needs to be involved in the plan creation based on your business and your goals.

5. Execute the plan

Make sure everyone knows what the goals are. The only way to work on a plan together is to make sure that everyone understands what the plan is trying to accomplish and what’s at stake. Make sure everyone involved knows what their role is and knows where to go with questions.

6. Assess the plan

Setting things in motion is important, but it’s important to have regular check-ins to see if you will need to adjust any part of the plan to meet your goals on time. You may need to adjust your timeline or make tweaks to your process to aggressively ramp up efforts in one area or pull back in others. Assessment is key to keeping your plan on track.

Financial planning is an ongoing process for every business at every size. Even Etsy shop owners need to have an understanding of how much raw material they’ll need to invest in to create their items or how much they will need to spend on finding antiques to list and balance that against what they’ll have to base prices on to turn a profit. Following a financial planning process is beneficial for anyone looking to understand the upfront cost, managing debt acquisition, and gain knowledge on break-even and profitability to continue the life of their company or brand. No matter what size business or industry, the financial planning process is an important one.

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TechFunnel.com is an ambitious technology media web property dedicated to technology news, product reviews, and analyzing how technology affects business, finance, human resources, marketing, government, and everyday life. At TechFunnel.com, you will read the latest news and learn our opinion about product releases that are right for you. Watch videos about the latest trends in software, apps, games, AI, and virtual reality. Connect with a growing community of writers and editors who ask questions, seek answers, and innovate along the way in the realm of technology. In a medium that is meant to be effective and efficient, we strive to be both.

Bython Media Inc.

D.B.A. TechFunnel.com

8668 John Hickman Parkway

Suite 1004

Frisco, TX 75034

Phone: +1 (214) 295-7705

Credit unions are small to medium financial institutions that offer much of what larger banks offer, such as loans, direct deposit, savings accounts, retirement accounts, and more, plus certain benefits to members, better interest rates on loans or increased rates on earnings on savings accounts. Marketing automation isn’t limited to big brands – automation programs like HubSpotcan deliver a lot of value to credit unions and help improve their overall marketing strategy.

How to improve your credit union marketing with HubSpot.

Why credit union marketing automation?

Many credit unions have continued to thrive without putting big budget dollars behind their marketing. They are staples of local communities and many people trust credit unions more than larger banks and value their small-business feel. There is more of a focus on helping clients succeed than creating profits for shareholders. If credit unions already have so much going for them, what’s the point of marketing automation?

One marketing website notes that credit unions who use marketing automation successfully reach more of their community and connect their product solutions to more customers, effectively driving up membership rates. Many marketing automation programs can pay for themselves by acquiring only 5-7 new customers, which is even easier to achieve, of course, with the implementation of marketing automation. Plus, marketing automation can save marketers upwards of 70 days of work per campaign, saving credit unions even more and allowing them to continue to offer better benefits to their members, securing their reputation for customer-focused solutions.

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Can using Hubspot help your credit union marketing?

What are the most important benefits that credit unions can experience when using marketing automation like HubSpot?

1. New customers

Marketing automation helps you get found by new customers, as well as positions you as the best option for their needs. HubSpot itself recommends engaging with potential customers often, saying, “You don’t need to wait for a prospect to show behavior that indicates they’re starting to think about joining your credit union. If a prospect is active on your site and engaging with your content, you can push out calls-to-action (CTAs) that aren’t sales CTAs. Invite them to sign up for your newsletter. Send them content from your Facebook page and ask them to comment or like it.” These interactions can demonstrate the value of your content and increase the trust your potential customers have in your brand.

2. Member retention

Customers want to know that they’re more than just a transaction. Marketing automation helps you maintain relationships with customers. Not only can this increase the number of products or services participated in by current members, but can also increase goodwill in current customers who may then go on to share your credit union as a recommendation for friends or neighbors. A good amount of credit union business is word of mouth and good marketing automation that nurtures current client business can help grow that.

3. Expanded services and greater wallet share

Today’s business market is increasingly competitive and customers are much more particular where they spend their money, meticulously checking all the details and hunting for the best deals. That means they may have a mortgage with one bank, credit cards with another, loans with another institution, and on and on. Automation offers a way to reach out to customers and educate them on why their current credit union is a good place to keep their business. Marketing automation, like email campaigns, gives you an opportunity to remind members about your other offerings and increase the accounts they have with your institution.

Credit union marketing automation is a powerful tool to help better connect small and medium-sized financial institutions with the communities they’re a part of. Marketing automation can create value for your target market and programs like HubSpot can make it easier.

About Us

TechFunnel.com is an ambitious technology media web property dedicated to technology news, product reviews, and analyzing how technology affects business, finance, human resources, marketing, government, and everyday life. At TechFunnel.com, you will read the latest news and learn our opinion about product releases that are right for you. Watch videos about the latest trends in software, apps, games, AI, and virtual reality. Connect with a growing community of writers and editors who ask questions, seek answers, and innovate along the way in the realm of technology. In a medium that is meant to be effective and efficient, we strive to be both.

Bython Media Inc.

D.B.A. TechFunnel.com

8668 John Hickman Parkway

Suite 1004

Frisco, TX 75034

Phone: +1 (214) 295-7705

Owning a small business can be both a challenge and a fulfilling opportunity. It allows you to be in control of your own operation but can present a lot of aspects that can quickly get out of control – cash flow, for instance. Having enough money to operate your business – from being able to keep inventory in stock to be able to pay employees – can be a struggle for some small businesses and most businesses that end up failing do so because of cash flow problems. What are the most common cash flow problems in a small business and what are the best ways for businesses to avoid these issues and stay successful?

The best ways to avoid cash blow problems in business

Here’s how to avoid cash flow problems in your small business.

1. Know your numbers

Conducting regular financial analysis is important. Analyzing and understanding financial statements is a crucial part of getting a handle on your cash flow. Having an understanding of how your money is being spent – on salaries and higher utility expenses like heating in the winter or cooling in the summer – as well as an understanding of potential revenue forecasts – like sales and investment payouts – is foundational in preventing cash flow problem.

2. Invoice your customers quickly and make it easy for them to pay

If you’re providing a service on an invoice basis, it’s important to get your invoices out quickly. Sending them through email with a link to payment is an easy way to encourage faster customer payment. If you’re an in-person vendor, having multiple ways to pay, like Venmo or through a tablet that enables payments from debit cards, credit cards, and cash, can bring in more customers. You can also offer a discount if customers pay invoices early or pay for something in cash, which allows you to not have to pay credit card processing fees.

3. Know your credit options

Sometimes cash flow problems can be alleviated with a good loan. Maintaining good relationships with your creditors is important, as is staying up to date on your vendor payments. Small loans can help tide your business over in an emergency or during periods of extreme and rapid growth.

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4. Stay organized

Staying on top of payments and expenses is key. You don’t want to pay bills late, as this may incur your business fees and late charges. You don’t want to file taxes late or pay employees late, because there may be fees, fines, and penalties associated with that. Essentially, staying organized can help save your business money through helping you avoid additional, unnecessary fees and expenses.

5. Examine your expenses

Are there things your business can live without paying for? If not, can you change vendors to save money or get by with less? This can seem like a hassle but might be instrumental in helping save your business money and avoid cash flow problems.

6. Keep the best people on the payroll

Salary expenses are likely the take up the biggest chunk of your cash, so make sure you’re employing the highest quality staff, particularly in finance or accounting departments. Salary might be one of the first places you’re tempted to save money and curb cash flow problems, but it’s important to continue to pay employees competitively.

Preventing cash flow problems requires a proactive approach. It’s important to know your current financial situation, upcoming financial expenses, and expected invoices, as well as have an understanding of your business goals and projected timelines. Cash flow problems in small businesses don’t need to be disastrous. You can prevent many of them by being educated on your expenses and market and handle many of them with planning on the forefront, including potentially getting more funding for your business through small business loans.

About Us

TechFunnel.com is an ambitious technology media web property dedicated to technology news, product reviews, and analyzing how technology affects business, finance, human resources, marketing, government, and everyday life. At TechFunnel.com, you will read the latest news and learn our opinion about product releases that are right for you. Watch videos about the latest trends in software, apps, games, AI, and virtual reality. Connect with a growing community of writers and editors who ask questions, seek answers, and innovate along the way in the realm of technology. In a medium that is meant to be effective and efficient, we strive to be both.

Bython Media Inc.

D.B.A. TechFunnel.com

8668 John Hickman Parkway

Suite 1004

Frisco, TX 75034

Phone: +1 (214) 295-7705