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One of the most crucial aspects of making a business thrive is getting the right website done. We live in a day and age where having a digital presence for business becomes a must.

Are you a business seeking to build a digital presence of your own? Then it is highly important that you have the right people to come in and help you establish the perfect online presence.

When it comes to creating website experiences, nothing serves the purpose as remarkably as a website design agency and hiring the right one will ensure your business turns into a success story.

But how should business owners conclude which is the best web design agency to hire for the job? Here are a few prerequisites which I want to share with everyone.

By adhering to the following practices, you will surely be able to find the right web design agency.

Hiring a Web Design Agency for Your Business 1. Choose a Web Design Agency Relevant to Your Business

Most business owners are preoccupied with a series of tasks and they hardly have enough time to find out which web design agency is the best option for their digital businesses.

When it comes to website designing, they take the burden off their shoulders by hiring a professional website development company New york. They let them take the creative edge and build them a solution.

Hence, when you as a business owner aim to choose a website design agency, make sure you pick the one that equally compliments your business practices and know your niche for the better.

Also read: Best 12 Vocabulary Building Apps for Adults 2023?

2. Identify How Much Experience Does the Web Design Agency Hold?

So before you proceed with hiring a particular web design agency for your business, make sure to identify how many years of experience they have when it comes to creating websites.

Some work in the local market only, while others prefer to work in the international market as well.

Perform a thorough analysis of the web design agency before you conclude they are the right choice.

The more experienced your web design agency is, the more better they can understand the needs and wants of the average audience interested in purchasing a digital service from your platform.

If you find a web design agency which is famous then it’s a surplus for you.

3. Is the Web Design Agency Well Versed and working in coherence with the Modern Trends?

Just as much as creating a website is paramount, so is the fact that you create a website which compliments the modern day web design trends.

When you create a website design company which is in accordance with the latest trends, it increases the chances of your website to appear in front of your desired target audiences.

By leveraging the power of the latest technology tools and modern web design, businesses can easily capitalize on gaining more customers.

4. Understand the Type of Website Design Process they Follow

If you want to create an impact, focus on the procedure which is to be followed. Ask your website design agency what methods do they implement to create the website design for their customers.

When you are working with a stable web design agency firm, it takes you through an appropriate process. By becoming coherent with the design process, you get the chance of yielding extraordinary outcomes.

Some follow the agile methodology and split the website design in variable phases before they start with the development process. Similarly, many different organizations follow different processes.

By getting acquainted with such processes, a business owner can have the comfort and peace of working with a web design agency that is accustomed with the modern methodologies.

5. How Much Would it Cost and What is Your Website Design Budget?

When choosing a website design agency, make sure to consider both, how much are they charging you for the design job, and what is your overall budget limit? Ask yourself a series of questions:

How much do you think you’re ready to spend for the website?

Are they charging you by the hourly rate, or have they opt-in for a single-time payment?

Do they offer website revisions or is it just going to be a one time delivery?

Also read: 2023’s Top 10 Business Process Management Software

6. Ask Them to Submit their Previous Case Studies

Lastly, every experienced website design agency operating in the digital landscape has a list of successful client stories to tell.

If a design agency which you’re about to onboard doesn’t have a strong portfolio to show you, they are not likely the kind of people you’re supposed to hire for the site.

Ask the web design agency to show you some of their previous works. If you can get in touch with one of the clients, it can be better for you to understand their process of web design.

By analyzing their previous work, and by learning how they proceed, you will get a better idea on how things are done by them. You will ultimately be able to make more informed decisions.

So there you go, here are some of the prerequisites that you need to pay attention to when you’re hiring a web design agency to create you a thriving digital experience.

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What Parameters Should A Business Consider Before Deciding Which Markets To Enter?

When companies decide to move out of their comfort zone for business expansion and more market share, they have to take up various calls. These calls are difficult and have their own set of pros and cons to offer the company. Companies can no longer be the leading player in the local market and be satisfied because the competition that they are getting is from around the world. Today, brands like Amazon, Flipkart, Ajio, Blinkit, and others make it possible to deliver every international brand to your doorstep with the utmost efficiency. When the competition is international, companies also have to work internationally to survive and thrive both in the long run and the short run.

In this article, we will be discussing what could be the various ways through which a company can plan expansion. We will also back up all this information with examples of renowned businesses like Body Shop, Starbucks, and others to ensure that this is possible and is followed in the industry.

Questions to answer for deciding which markets to enter

For a successful business expansion, companies have to ask themselves these simple questions. While finding these answers, the business will find the rough plan for its expansion already chalked out.

How many markets is the business planning to enter during its expansion?

What parameters will they be used to decide on the potential markets, or, in simpler terms, how are they going to evaluate the market?

How is the business planning to succeed in the developing markets?

How many markets are there to enter?

When the business has decided that it will be entering various markets, it is time for them to decide how it will be entering those markets. It can be done in two ways by the brand.

Waterfall method for entering different markets − in this method, the company plans to enter one market at a time. So, for example, the business has decided that they will be entering the Indian market, the Chinese market, and the Korean market based on customer preference and need data. So now they will first be ticking off one country and then another. This ensures that the business has an optimal time to plan things out and that there is no strain on financial and other resources.

Companies understand that they have limited resources and that there are significant differences in the ethnicities and cultures of each country. Instead of making a mess, they try to stay calm and composed and establish themselves as renowned brands in the market. Brands like The Body Shop, BMW, General Electric, and Bennett have followed this method of market expansion.

It does put a strain on the financial resources and other resources, but it is like the company will be going through hardship all at once. KFC, Microsoft, and Starbucks have used this method of market expansion. When Microsoft was expanding as a company, it sold more than 60 million licenses and also entered 42 countries at the same time in 2012.

Evaluating the potential markets

When a business has identified its marketing strategy, it is important for them to determine which geographical boundaries they have to cross. With globalization, privatization, and liberalization, companies might think that entering new markets is nothing but a cakewalk, but they could not be more wrong in their stance. Countries have greater differences in terms of culture and other operational factors. Before deciding on the markets that the business has to enter, they should understand −

Demographics of the population

Economic status of the population and the health of the economy

Socio-cultural factors

Natural factors like the weather, natural disasters that occur, and others.

Income statistics of the individual

The educational background of the country as a whole

Language barriers between nations.

Political environment and the legal framework of the company.

All these factors give the companies a coherent understanding of the market that is going to be there in the entering country. Most countries prefer their neighboring countries for the import and export of goods because of familiarity. The more promising countries might have equal risk associated with the expansion. For example, the major exporting countries for the United States are none other than Mexico and Canada. Examples of some renowned companies are −

Kentucky Fried Chicken (KFC) − When KFC entered the Chinese market, they introduced dishes like the dragon twister, a wrap stuffed with chicken strips, duck sauce, and others. When the brand entered the Nigerian market, it witnessed a shortage of chicken supply in the market, and it was illegal for them to import chicken from other countries, hence the brand started adding more fish-related dishes to its menu.

MacDonald’s − When MacDonald’s entered the Indian market, they knew that beef-related products would not only be acceptable but the company would also be frowned upon; hence, the brand came up with more and more chicken-based products and even started many poultry-related burgers and dishes for vegetarian consumers.

Entry into the developing markets

Brands have to understand that the majority of the world’s population resides in developing nations, not developed or underdeveloped ones. India and China are the most populated countries in the world. Hence, with a growing population, these brands offer companies major opportunities for growth and success. Along with opportunities, brands will be facing major adaptation challenges as well. Brands have to adjust their pricing, promotional strategies, products, and distribution channels according to the customers and their needs.

Companies cannot and should not ignore these markets, as Nestle has more than 1 billion consumers in the merging market and 40% of the sales are derived from emerging countries. HUL’s 50% of the sales are derived from developing nations like BRICS (Brazil, Russia, China, India, and South Africa); Kraft has 30% of its sales derived from developing nations; and others. Businesses have adjusted themselves to position themselves in the BRICS market, and some of the examples could be −

McDonald’s − The brand is discussed here again. When McDonald’s entered the Indian market, it understood that customers were price sensitive and did not believe in wasting food; they wanted a value meal, so the size of all its fast food was reduced to better serve them.

Hindustan Unilever Limited (HUL) − The company understood that, though it has very strong distribution channels, not all of its customers are willing or able to afford those big boxes of shampoo, oil, and conditioner. Hence, the companies came up with the sachet system of packaging, which does not burn a hole in the purchaser’s pocket during purchase.

Companies should be entering international markets. There are a lot of opportunities in these markets for the company. The countries and their customers will also embrace the brand, but for that to happen, companies also have to understand their customers, their thinking process, their behavioral patterns, their beliefs, and their culture. It is a two-way road, and they must meet both ways.

Today, we see cold drinks like Thumsup, Fanta, Sprite, Limca, and Pepsi available in every nook and cranny of India, but for that, they understood their customers and adapted themselves. Most Indians today believe that HUL is a brand that originated in India, but this is not the case. Expansion is powerful, and companies should invest in the same.

10 Things To Consider When Choosing Your Cell Phone Provider

There are a few things one might want to keep in mind when selecting a cell phone provider. Some notable considerations are the cost of calls, text messages and data plans. You should also consider network coverage and a few other factors. Below are ten things you should consider before agreeing to a cell phone provider.

Reputation of the Company

Consider the number of years the cell phone service provider has been in the industry. Think of the results they have garnered over that time — either good or bad. For instance, if a company has been in the business for decades, it means it is intent on longevity and probably has a good reputation (how else would it have lasted that long?).

Regional Coverage

On the other hand, there are a large group of territorial carriers that are conveying truly awesome services for individuals in specific parts of the nation. Look at those organizations and choose if that matters.

Contract Length

It is somewhat easy to get a quality cell phone via an attractive deal from a service provider. Unfortunately, that may leave you with a contract which could span two years or more. These contracts usually come with harsh penalties when you try to get out of said contracts earlier than the plan intended. A good cellphone provider will look to sell you even the world’s top phones at their most affordable prices, but without restrictive contracts. They look to offer you the best plans without much of an ulterior motive.

Good Customer Service

At one point or another, you are going to need assistance with your service. Something is bound to irk you or confuse you and you are going to have to call customer service to get some help. Look for a cell phone service provider that has good policies and service that is friendly to customers. Look for a cell phone service provider that prioritizes customer satisfaction.

Costs/Pricing Structure

Since many of us live our day-to-day lives on a budget (some times a tight one), you have to consider the overall amount of money you are going to spend on your cell phone bill. Always take a long and hard look at the pricing structure of the service provider. Ensure you know for sure just how much of your money is going into the service provider’s bank account.

In spite of the fact that most cell phone users are contract subscribers, there’s also the choice to run with prepaid services. Keep in mind, in the event that you are searching for a prepaid service, your decisions may be restricted.

Network Coverage

You should always know the extent of the service provider’s network coverage. With adequate network coverage, you should not be restricting yourself to locations that you can get a signal. Ensure its coverage is as wide as you need it to be, especially if you travel a lot. Also, roaming fees shouldn’t be included.

Look at the 4G LTE network that the cellphone provider offers. 4G LTE networks are a big deal nowadays and are something to be taken into serious consideration when choosing a cellphone service provider.

Devices

The mobile phone the company sells in its deals may not really be a big thing, but it’s one to consider. You probably want the cell phone service provider that can sell you the very best phones from th biggest brands in the world, so it’s something to consider. Also, consider any other types of devices (such as routers) that the company offers.

Is Your Business Really A Small Business?

The SBA defines which companies are officially designated as small businesses.

Your industry determines whether your business’s designation depends on its number of employees or its annual revenue.

You can find your industry code in the U.S. Census Bureau’s NAICS publication.

This article is for business owners who are trying to determine whether their organization is technically considered a small business.

You can call your company a small business, but if you don’t meet the SBA’s definition you could lose out on some opportunities. The SBA’s standards for small businesses are based on three factors: your company type, your average annual revenues and your number of employees. Is your business truly small? Read on to find out.

How to tell if you own a small business

To qualify as a small business, a company must fall within the size standard, or the largest size a business may be to remain classified as small, within its industry.

The U.S. Census Bureau provides a list of industry codes to help businesses determine their size designation, and the SBA maintains an extensive list of small business size standards with the maximum requirements to remain classified as a small business in each sector and subsector.

“The definition of ‘small business’ is dependent on which industry code a company is in,” said Molly Gimmel, CEO of Design to Delivery. “My company’s primary code is 541611. In that industry, a small business is defined as one with average revenues, based on the past three completed fiscal years, that are less than $16.5 million.”

Though size standards vary by industry, they are usually measured by the number of employees or average annual receipts. The current SBA business size standards include the following.

Agriculture, forestry, fishing and hunting: Between $2 million and $30 million in average annual receipts, depending on your subsector.

Mining, quarrying, and oil and gas extraction: No more than 250 to 1,500 employees, depending on your subsector. There are four sectors with annual revenue rather than employee limits, ranging from $18 million to $41.5 million.

Utilities: No more than 250 to 1,000 employees, depending on your sector. There are three sectors with annual revenue limits instead, ranging from $26.5 million to $36 million.

Construction: Between $16.5 and $39.5 million in average annual receipts.

Manufacturing: No more than 500 to 1,500 employees, depending on your subsector.

Wholesale trade: No more than 100 to 250 employees, depending on your subsector.

Retail trade: No more than $8 to $41.5 million in average annual receipts, depending on your subsector. Other subsectors have defined employee maximums from 100 to 200.

Transportation and warehousing: No more than 500 to 1,500 employees, depending on your subsector. Some subsectors have maximum average annual receipt limits ranging from $8 million to $41.5 million.

Information: No more than 250 to 1,500 employees, depending on your subsector. The maximum average annual receipts ranges from $9.5 million to $41.5 million.

Finance and insurance: No more than 1,500 employees for direct property and casualty insurance carriers, and a maximum of $13 million to $41.5 million in average annual receipts. Certain financial institutions instead qualify as small businesses if they have no more than $750 million in assets.

Real estate, rental and leasing: No more than $8 million to $41.5 million in average annual receipts.

Professional, scientific and technical services: No more than $8 million to $41.5 million in average annual receipts, or no more than 150 to 1,500 employees, depending on your subsector.

Management of companies and enterprises: No more than $34 million in average annual receipts for offices of bank holding companies. Offices of other holding companies must earn no more than $40 million in average annual receipts.

Administrative and support, waste management, and remediation services: No more than $7.5 million to $41.5 million in average annual receipts, depending on your subsector.

Educational services: No more than $8 million to $41.5 million in average annual receipts, depending on your subsector.

Healthcare and social assistance: No more than $7.5 million to $38.5 million in average annual receipts, depending on your subsector.

Arts, entertainment and recreation: No more than $8 million to $41.5 million in average annual receipts, depending on your subsector.

Accommodation and food services: No more than $8 million to $41.5 million in average annual receipts, depending on your subsector.

Other services: No more than $7 million to $41.5 million in average annual receipts depending on your subsector.

Benefits of being classified as a small business

Business size classification isn’t frivolous. Being classified as a small business comes with certain benefits, so it’s important to know if your business qualifies. Here are some of the benefits small businesses can enjoy.

Loans: Rather than lending money directly to businesses, the SBA works with lenders and essentially acts as a co-signer for small businesses seeking loans. This provides lenders a stronger guarantee that they’ll be paid back, which gives small businesses access to better rates than they might receive on their own.

Tip

If you need to obtain funding for your small business, visit our page on the best business loans.

Analyzing The Impact Of Video Backgrounds: A Trend In Web Design

Website design is a critical part of developing a new website as it helps to create a layout of the website. There has been constant evolution in website design techniques and methods that are making it possible to develop more beautiful and creative websites. Background videos are popular web design techniques, which are being used to enhance website UI/UX. Using videos as backgrounds in websites is a trend that emerged a few years ago and it’s still a subject of much discussion among designer communities. With the help of the right web design company, you can build a website with an attractive video background.

Video backgrounds are helpful to grab the attention of those online users who have little attention to begin with. Videos can run in background without being disruptive and promote high user engagement. However, for many designers, using background videos in a website is a sacrifice of usability in the hands of an appealing aesthetic. Moreover, video backgrounds can provide more dynamic and livelier UX when they are used wisely. In this post, we’ll explore the significance of using video backgrounds and their future.

Benefits of using video backgrounds

There are numerous benefits that you can reap with video in background for your website.

Aesthetically appealing

Related: – Is Artificial Intelligence Future of Video Advertising

Advantages of experiential marketing

Related: – How to Use SEO Traffic to Make the Website a Better Place

Improve SEO

If the visitors share your video on various sharing platforms, then it will have a positive impact on your site’s SEO. The more views and sharing your video will earn, the more it will help in getting the better search ranking on search engines. And, it is especially possible when visitors find your video worth sharing with others. Plus, adding the right keywords and transcript with your video will also enable the search engines read and discover your video properly. You can always hire a good web design company to build an SEO-compliant website.

Demerits of video backgrounds

Slow loading speed

Given the file format, videos embedded in a web page tend to slow down the loading speed of the web page. Though there are some ways to reduce this effect such as optimizing the videos for faster performance, they still load slowly as compared to images on a web page.

Nevertheless, the problem is that visitors leave a website that doesn’t load quickly as the attention span of a human being has become shorter than that of a goldfish. Therefore, website loading speed is important, and you should keep in mind while choosing a video background for your website.

Not friendly for mobile devices

Web browsers on mobile devices whether it is Android or iOS do not play videos automatically. On these operating systems this feature is blocked. Despite you create a trigger element to enable the video to play when visitors touch a specific area on the screen, it will still be ineffective. In fact, it will be an unexpected thing for users and they won’t respond properly to non-intuitive design. Further, a lot of mobile users use limited mobile data and videos playing online consumes more data bandwidth that will force visitors to leave your website due to such bad experiences.

Excessive elements on the page

Putting too much elements on a web page is bad design which not only slows a website’s loading speed but also make it confusing for the visitors. Similarly, if you put a background video which covers everything above the fold along with some non-readable text, then your website visitors will find it difficult to get your message. Thus, your site will fail to convey the message that it aims to. More and bigger is not always better as excessive elements on your site may spoil the impression that you want to create among the visitors. You can a web design company to get consultation and guidance to build the right UI/UX for your site.

Right strategy for video backgrounds

Using background videos can add value to your website or spoil it depending on how you use them on your site. However, they are not for everyone, and if you plan to use them because they seem a cool thing for you, then you should think about it carefully. If you still plan to do so then you need to make sure that you do it right. There are some tips below that can help you make the right use of background videos.

Pick videos that align with brand

Video is the medium that you use to deliver the message about your brand and present your offerings. Video you embed into your website should contain the subject matter that supports your brand offering. Make sure the content of the video is compelling and effective, plus it shouldn’t be too lengthy.

Video that only act as background

Video backgrounds are only used for backgrounds and they shouldn’t be the focal point of a site. This will create a distraction and you should choose an approach to reduce distractions. For this, you should use optimum transitions to avoid distractions to the eyes.

Short videos with better content

Instead of making longer videos, you must focus on creating short videos with compelling content. Lengthy videos will cause websites to load slowly as they have bigger data to fetch over the network and to be processed by a device. You should also optimize the video for mobile users.

Summing up!

Design is crucial for every website as it defines the layout of a website in terms of what elements it should have and appearance of those elements in it. The trend of video backgrounds brings a new way of designing website layouts by embedding videos as the backgrounds on home pages. While it may enhance your website user experience, it may have impact on its performance. Thus, you need to use videos wisely on your site to get the desired results. You can select a good web design company to create the desired website.

Emily

Emily White is an experienced PHP developer working at CSSChopper which is a prominent web design and development company delivering top-notch solutions across the world. Emily enjoys coding and an ardent PHP developer, she also loves writing quality content for her audience in her free time. She wants to educate her audience though her quality content.

Process To Start A Collection Agency

What is a Collection Agency?

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How does Collection Agency work?

When a debtor defaults on its debt or misses scheduled loan payments, the lender reports the delinquency to a credit bureau. Then within 3 to 6 months of the default, the debt is turned over to a collection agency.

a) If the borrower pays

Suppose the collection agency can recover the debt successfully. In that case, the lender who hired it pays a certain percentage of the recovered fund in exchange for its collection effort.

b) If the borrower doesn’t pay

Suppose the collection agency cannot recover the debt. In that case, it usually updates the debtor’s credit report with a “collection” status that deteriorates the debtor’s credit score, which can potentially affect the debtor’s chances of getting a loan in the future.

Regulations

Several federal laws bind third-party collection agencies; some of their rules and regulations are as follows.

Calls: Collection agencies are allowed to call the borrowers only between 8 a.m. and 9 p.m. Further, the agencies can’t call the borrowers if their employer doesn’t permit outside calls during office hours.

Mail: Collection agencies can send emails, but not postcards, as their content would be visible to others. In the case of letters, the envelopes shouldn’t include any language or logo identifying them as being from collection agencies.

Contacting friends and family: If a collection agency doesn’t have the borrower’s contact details, it allows one to contact the borrower’s friends and family. However, the agency is forbidden from revealing its identity to the relatives or discussing any aspect of the indebtedness with them.

Disclosure: Collection agencies must disclose their identity to the intended borrowers – who they are and what they should do to collect the debt.

Threats and obscenity: Collection agencies are not supposed to threaten or use profanity against borrowers. They are also prohibited from publicizing the borrowers’ situation.

How to Start a Collection Agency? 1. Understand the prerequisites of opening a collection agency

The legal requirements vary significantly based on the state where one intends to operate – each state has unique needs. Firstly, they should register within their state. Later it can register and possibly get licenses in other states too.

2. Learn about the various debt collection laws

Plenty of laws govern the actions of It, and each state has different rules and regulations. So, one must research to learn about the various debt collection laws. Some of the major federal laws that a collection agency must comply with include Gramm-Leach-Bliley Act (GLBA), Telephone Consumer Protection Act (TCPA), Health Insurance Portability and Accountability Act (HIPAA), Fair Credit Reporting Act (FCRA), and Fair Debt Collection Practices Act (FDCPA).

3. Plan out capital and operating expenses

The prospective collection agency must plan and arrange the capital required to complete the initial phase. After that, it needs to plan the operating expenses for the first 2-3 years – basic office supplies, salaries, and other operating expenses. Further, registration costs, obtaining necessary licenses & bonds, marketing, and securing clients should also be factored into the expenses. The costs would vary based on the number of states one intends to operate in.

4. Acquire collection agency bonds and debt collection licenses

Assign a registered agent in every state for which one has a Certificate of Authority. A Certificate of Authority can be acquired from the State level Secretary, and it contains important information about the business, such as its official name, name of the owners, legal status, etc.

Some states mandate Collection Agency Bonds as part of the licensing process. A Collection Agency Bond is usually involved if the agency recovers the creditor’s money but fails to remit the funds.

After acquiring the Certificate of Authority and Collection Agency Bond (if required), one can apply for the debt collection license.

Tips for Dealing

It is difficult to deal with collection agencies, but it can be managed with some strategy. Here are some tips that can help deal with collection agencies:

The borrowers must learn about their rights per the relevant debt collection laws. They should immediately contact the Consumer Financial Protection Bureau if the rules are violated.

The borrower should try to take control of the conversation, and he/ she shouldn’t agree to anything in the initial contact. Then, the borrower should collect the relevant information and set up a follow-up call with the collection agency.

If the borrower can pay the debt and it is the best option. Otherwise, the borrower can negotiate a payment plan with the collection agency that suits both parties.

Key Takeaways

Some of the key takeaways of the article are:

It is a third-party entity that creditors and lenders hire to recover their funds either in default or past due.

Several debt collection laws regulate the actions of collection agencies. These laws govern what they can do and what they can’t do.

To start, one needs to understand the prerequisites of opening the business, learn about the various debt collection laws, plan out capital and operating expenses, and acquire collection agency bonds & debt collection licenses.

Conclusion

So, it can be seen that collection agencies are an important part of any banking system as it aids in the recovery of bad loans. These agencies have their own set of rules and regulations that govern their actions. Several collection agencies are available, and lenders or creditors should choose any collection agency based on their specific requirements.