Category: Finances

Are Fashion Films Useful for Creating Sales?

Fashion films have always been a major part of marketing campaigns coming out of the fashion industry. It should come as no surprise that the rise of video marketing has meant more fashion startups are deciding to invest in them. They’re no longer the preserve of the big fashion houses.


This article will answer whether fashion films are useful for creating sales.


Taking Advantage of the Mobile Revolution


The format of fashion films means that they’re perfectly optimized for the designers of today. Fashion startups should invest in them because they’re perfectly suited to the mobile revolution. Over half of all people access the Internet exclusively from their mobile devices.


This means that people are not going to spend their time reading a lot of content on a tiny screen. Videos can give them that same content in a format that’s easy to consume.


Videos Reduce Your Bounce Rate


As a result of the mobile revolution, most people are not willing to read huge blogs on that latest piece you designed. They’ll go elsewhere and they won’t come back. Videos ensure that visitors will stay on your site because a video can say thousands of words in a matter of seconds.


They can explain the details of your design faster and more comprehensively than you ever could.


Take Advantage of Influencer Marketing


Big fashion firms can afford to employ Cristiano Ronaldo and David Beckham to model their latest creations. But you can still take advantage of influencer marketing as well. Videos are perfect for associating major influencers with your brand. You can easily find a local figure or a major online figure to narrate or appear in one of your videos to help increase your sales without breaking the bank.


Influencer marketing is key to making your brand stand out from the crowd. The right influencer can take your fashion startup into prominence.


Benefit from Paid Social Media Advertising


Social media advertising has existed for a few years now. But it’s only recently evolved into video advertising. The fact is that video advertising is one of the most cost-effective ways to advertise on social media. It’s also one channel you can’t afford to ignore.


Social media is so powerful for startups because of the influence of social proof and word of mouth marketing. The more positive feedback you receive from real people the higher the chance you have of people taking notice of what you have to sell.


Paid social media advertising with video also allows you to easily take advantage of word of mouth marketing. Startups will find that gaining publicity in this way sets them up for success in both the short-term and the long-term.


Conclusion – Hire the Right Team


Make sure you hire a San Francisco professional video team to ensure you get a polished fashion video. They can make your vision a reality and create a video that stands out among the hundreds of others that your target audience will come across. Hiring professionals doesn’t have to break the bank and you’ll find the investment well worth it going forward.


How will you use fashion videos to increase sales today?


Continue Reading

The Difficulty in Getting a Personal Loan, and What You Can Do to Help

Whether it is to fund a dream-vacation, meet the most basic living-expenses, or fund a wedding, you’ve probably considered how difficult it would be to get a personal loan. It can be a bit tricky to get a personal loan because there is no collateral to help ease the mind of the creditor. This means that you can’t put up your car or home to help gurantee the lender that you will cover the loan amount. The risk is what makes it more difficult to acquire a personal loan, and is why you will be faced with higher interest rates.

However, it is not impossible to secure a personal loan. In fact, if you use a personal loan correctly you can save big money relative to Payday Loans. There are some key things to keep in mind when shopping for a safe Payday loan. We’ve included a list of four of the major tips below:

Specifics – When it comes to securing a safe personal loan, first try to understand the specific type of loan you need. When someone refers to a personal loan, they usually mean an installment loan that is closed-ended. Make sure you understand the difference between an installment loan, an auto loan, mortgage, and payday loan. This will not only help you in your search for its own sake, but will help you appear less ignorant when speaking with lenders.

This will also help you when negotiating. Often times a creditor will offer other better options if your credit score is too low. For example, they may offer you a collateralized loan. Showing that you understand what a collateralized loan is will help you earn the trust of the creditor, and secure a loan.

Know your score – More important than knowing the credit score itself is that you know what your score means with regards to securing a loan. This will help you save time because you won’t waste it applying for loans you simply do not qualify for. This is important because each time you do apply for a loan, it is reported and your score will fall. Request a free credit report at least once per year and check it for inaccuracies to help fight for your reputation amongst potential lenders.

Improve Your Score – Credit Scores are not forever. Take steps to improve your score to give yourself a better chance at securing a personal loan. Remember, a good score will be above 700, a fair score above 640, and below that is pushing it when it comes personalized loans. By paying bills on-time and reducing your debt-to available credit ratio, you can ensure yourself the best chance of being favorably assessed.

The Right Lender – It is important that you find the right lender for your particular credit score. If you score below 700, don’t expect to get a loan from most large banks. Those that are able to lend you credit will also demand a higher rate of interest rates. Thus, knowing your options will help you minimize the toll of a poor credit score. For example, a score below 640 may rule out conventional lenders, but finding the right online lender can still provide a quality personal loan experience.


So in the end, yes, finding a personal loan can be difficult. However, knowing where you stand and who can help will make all the difference.

Continue Reading

How I Strive to be Frugal

New York City is said to have one of the most expensive cost of living on the planet. In a month, you would need at least $2,000 just to pay a tiny apartment, $155 for utility bills, and $400 for food. Add to that is your insurance and car expenses, which can go up to $5,000. And these are just very few of the basic things you need to spend for staying in NYC. Costly as most people would say, but there are hundreds of things you can do to survive in a premium city with just the bare minimum. Here’s how.

Find roommates
One of the most high-priced expenses you could have in NYC is the apartment. Say you find a $2,000 small apartment, find people who are also looking for roommates in the city and see if you could share the bill. This way, you could be cutting your budget to half or a third of the actual rent of the place.

Buy secondhand furniture and appliances
Online, you can find stores that sell furniture and appliances at a bargain price. Or better yet, go to shops that sell or donate recycled things that are still in good condition. This can be a little time-consuming, but it’s worth the hassle.

Buy space-saver furniture
Tiny houses and apartments are so in these days that even transforming or space saving furniture are created. These are beds that you can turn into a sofa or cabinet that transforms into a work area. Foldable tables and transforming bunk beds are just a few ideas that you can use in a small apartment so you don’t need to resort to a medium or large space to accommodate your bare necessities.

Use coupons
For your basic daily needs, you can embrace the art of couponing in your life to live in NYC inexpensively. This can be really time consuming and somewhat laborious, (if you are not much into cutting papers all the time) but you really need to give time for it. In some occasions, you don’t even have to spend a dime to buy your basic necessities. From food to toiletries to clothes, you’ll just have to grab whatever is there in your coupon.
And as for recreations, you can always go to occasionally free events in NYC. All sorts of activities are happening in the streets of New York and you can take advantage of it. Whether it  be a free concert, live shows etc. you can take advantage of them.
New York is no doubt expensive, but with deliberate actions, surviving its premium cost of living is never impossible.

Continue Reading

Do You Have to be Rich to Live Here?

New York City is known to have the most expensive cost of living. House and apartment rentals, car insurance, transportation, and the cost of living itself are all premium priced. This is why most people would often tell you that you need to have at least six figures a month in order to live decently in the city. But do you really have to be rich to live here? Some New Yorkers have debunked this conspiracy and these are what they advised you to do to live comfortably and affordably in NYC.


Budget everything you need
From food to gas to utility bills and toiletries, everything, and I mean everything has to be budgeted. If you think that your monthly salary cannot cover all the things you need, make an effort to cut off those that are of lesser priority. For the meantime, make sure that your basic necessities are met and don’t go beyond your means if the budget won’t allow it. Here are some expert budget tips you can follow that can stretch your money till the next salary:

  1. Buy wholesale.
  2. Buy your basic necessities once a week.
  3. Learn the art of couponing and bartering.
  4. Choose thrift shops.
  5. Go to recycling shops and find things you need that are still in good condition.

Practice the art of sharing
If you are single, find a roommate for your apartment. Not only will you cut down on half of your monthly rental and utility bills, but you also get to have someone to share the expense of food and drinks from time to time. And if you’re married, sharing the expenses should obviously be observed. Sharing some expenses will always make the ends meet.

Cook your food
You want to eat pizza? Or maybe, you are craving an ice cream. Don’t drive to a restaurant just yet. Take the time to learn how to make your favorite food. In this way, you don’t get to spend $5 for a slice of pizza when you can get eight slices of pizza for only $10 if you make your own. Or better yet, make food that will last for a week. Learn the art of canning and freezing food. So if you are too busy, you can always open healthier frozen and canned food than that of the store bought ones. And lastly, bring your own snack and lunch to work. This will prevent you from buying expensive food at your favorite restaurant.

Stay healthy
Health insurance and medical insurance are pricey. So if you don’t want to pay huge premiums, make sure your health is at its peak. Eat right, stay active, drink lots of water, kiss the sun, and have enough rest.
Do freelance or part time jobs if you can
If you think that your salary won’t make ends meet, back it up with a freelance or part time job. Or better yet, create a passive income wherein you don’t have to do much work but you earn decent amount of money.
Living in NYC can sure to be costly compared to other cities in the country. But there are always simple ways you can do to afford living in New York. You just got to be wise.

Continue Reading

The Average Income for Mid 20 Year Olds In New York

New York is a very competitive city to live in. Knowing how much you need to earn in order for you to live a comfortable life in New York City is essential. Being aware of your income and expenditures will give you an idea of how much you can save and how much you need in order to live a comfortable life. This is vital if you want to keep everything in balance so that you wouldn’t get over board and find yourself in debt.

Average wage
The average income greatly depends on the career you choose. There are those that pay more than others in the beginning while there are those that gradually pay more as you grow in the industry. One example of those jobs that pay more is in the field of pharmacy. As a pharmacist, you will certainly earn more than other professions as you start. However, the chances of getting an increase through time is very minimal. A career in the field of law on the other hand provides better income as you gain more knowledge and experience.

New York is one of the cities with the highest wage per week. According to QCEW (Quarterly Census of Employment and Wages) since March 2015 the average weekly wage for New Yorkers is $2847, which ranks as the number one city with highest basic salary in the United States. The New York State ranks second highest basic weekly salary with $1463.

Frugal ways to make it in New York
Although NYC has the highest basic salary in the entire country, the cost of living in the area will certainly set you back a couple of notches. But if you can cut back on some of your expenses then you can save enough money so that you can accomplish your goals early on. One way of saving money is by sharing an apartment with a buddy or two. Sharing space is a great way of cutting down expenses because there would be more people to carry the load of paying for the monthly dues.


Eating in groups is also a good way of saving money. If each one could chip in on the bill then it would certainly be a lot cheaper. Buying stuff from thrift shops instead of buying them from premium shops will also help you cut back on your expenses. Living in New York City doesn’t mean that you need to be extravagant. On the other hand, the choice is entirely yours. You can either live your life like there is no tomorrow or you can plan and prepare for the future. Either way you choose, we wish you the best of luck on your journey.

Continue Reading

I Never Carry Cash On Me

Recently I stopped carrying cash in my wallet at all times. There are many reasons why but I’m going to share a few with you here. You may think you need to have cash in your wallet whenever you leave the house but that’s not always true. Here are some of the reasons I never carry cash on me and you can see if they work for you as well.

Continue Reading

I Hate Credit Cards, But I Have A High Credit Score

A credit score can affect your ability to buy a home, a car, or even get financing for college. Keeping a high credit score is critical in your money power abilities. How do you keep a high credit score easily? There are many things that go into your credit score calculations and just as many things you can do to keep it up in good standing. Here are a few key steps you should follow to keep your credit score high.

Continue Reading

Saving Money Around the Holidays For 20 Somethings

The time around holiday season is when people are bound to go on shopping sprees often forgetting that they have a limited amount to work on during that time. It’s no wonder new year comes with a pile of debts. You need to shop smart so that you enjoy your holiday and face the new year with a smile. Here are a few tips that can help you cut back on your holiday spending and ensure you don’t accumulate credit card debts or tap into the amount you had saved for your child’s tuition the coming year.

Continue Reading

Frugal Mind: Why I Value Time Over Money

Being frugal has its ups and downs. Most people who live a frugal lifestyle enjoy spending less money and value other aspects of life rather than personal possessions. As a frugal spender, I see the benefit of having more money saved rather than spending money on possessions. By being frugal, I can make big purchases by saving the money instead of raking up extreme debt. It can be self-fulling to save money and earn great deals without harming your financial future.

Continue Reading