Innovative Ideas? Business Loans Are Your Answer

New businesses come and go every day and innovation is part of each of those new businesses. Starting a new business takes conviction and guts but it also takes money. So if you have got an innovative idea that you want to see turn into a prosperous business but you don’t have the financing you need then it’s time to explore small business loans to see your idea come to life.

If you are hoping to get your venture off the ground but not only don’t have the cash you need, you also don’t want to put your assets up as collateral, and in these situations, business loans are a great idea. They require you to put up only a small amount of assets as collateral, and for you as the borrower this is a close as it gets to a no risk loan. You can’t ask for much more than that!

When you obtain one of these business loans there generally isn’t any restrictions on how you must use the money within your business. You might use it to buy stock, assets you’ll need like computers, for raw materials, machinery, or put it away to pay for wages at a later date. Whatever you’ll use the money for, the key is that the lender doesn’t restrict you.

When considering business loans it’s important that you take some time to research the various lenders because not only do they offer different business loan packages they have different interest rates, and different qualifications. You also want to determine the reputation of the lender to ensure there’s no problems down the road. It never pays to deal with a lender that may not appear to be on the up-and-up, no matter how good their terms seem to be. And there’s always the old stand by “if it sounds too good to be true it probably is.”

If your credit isn’t so hot due to an unavoidable situation in the past, not to worry because there are business loans that can be easily obtained. The interest rates might be a little higher but definitely worth that cost, just to be able to obtain such a loan. It’s also a great way to get your credit back on track and start to rebuild it. With a little research, you can also find the best interest rates for this type of business loan too.

Small business loans let you get money to take your innovative idea from a dream to a reality. No collateral, no restrictions, and good credit or bad credit there is a business loan for you out there.

Gamification For Productivity

“Gamification” has become a buzzword in recent years among the tech crowd, but it has spilled over into other arenas as well. With the pervasiveness of smartphone apps and new websites popping up every day, “gamification” seems to be everywhere. At its simplest, it’s just a way of introducing elements of gaming into other tasks.

There are lots of ways to do this: common elements include earning points, gaining levels, and sometimes earning achievements, badges, or prizes. There’s gamification for working out, buying coffee, listening to music, shopping, recycling, and eating out. While retailers and marketers have been using gamification to their best advantage, gamification can also be used to increase productivity, whether in individuals or in a team.

To encourage general productivity, take a look at HabitRPG, which has a website and an iOS app. At its heart, it’s a to-do app, but “RPG” stands for Role-Playing Game, which HabitRPG uses to incentivize productivity. There are four different elements when you start out using the program: habits, dailies, to-dos, and rewards. Habits are actions that you want to either encourage or avoid, but don’t have a specific frequency. Dailies are tasks that you want to repeat on a regular basis: every day, once a week, etc. To-dos are one-off tasks like on any other to-do app. Rewards are things you can purchase by completing your tasks. You earn a certain amount of gold and a certain amount of experience points for each task. Experience points let you level up and eventually unlock different game elements. Gold allows you to buy rewards. As you level up, the game introduces a market, item drops, pets, armor, and other elements. It’s a fun way to keep all of your productivity items in one place with a dynamic and well thought-out incentive scheme.

If you like the idea of a gamified productivity app but don’t need quite as many features, Carrot is an iOS app with a mean streak. It’s a minimalist to-do app that is very user friendly and unlocks features as you gain points. Be warned, though: Carrot has a personality, and if you don’t complete your tasks, she gets angry. How many points you get and how she talks to you depend on what mood she’s in. Carrot is a quirky app that is probably the most unique of the bunch, and worth checking out if only for its surprises.

EpicWin is another RPG productivity program that gives you points and prizes for your real-world tasks. Here again, you can choose your character and level them up as you go. You can’t yet spend gold on things, but EpicWin is in the process of being developed.

If you’re looking to be more productive with a specific task or process, try SuperBetter. SuperBetter gives you tasks, quests, power-ups, and “bad guys” depending on your specific journey, like exercising more, increasing willpower, stress relief, or improving your relationships. It’s not a productivity app in itself, but improving these aspects of your life can definitely improve the rest of it.

If the area of productivity you’re struggling with is managing your finances, there are programs for that, as well. SaveUp is a program tailored to incentivize saving and making smart financial choices. It gives you credits for the choices you make, and you can cash them in to contests with real prizes, or you can cash them out. SmartyPig is a website that also focuses on saving, though a little less gamified than SaveUp. SmartyPig makes saving automatic, and it also rewards you for meeting your goals.

If you’re not so interested in using apps or websites, gamification doesn’t have to involve technology: you can use game elements on your own. The best way to go about it is to start by identifying the tasks that you have a hard time completing or that you want to incentivize. For each of those tasks, determine a point value. You may also want to assign them different categories. Maybe doing the dishes gets you two blue points, but cleaning the bathroom gets you eight red points.

From there, identify rewards, positive (but not goal-subverting) actions or items, and assign them point values as well. Then, to get your rewards, you first have to do enough tasks to afford them. Don’t stop there. When you’re defining your own system, you can get pretty creative. Find ways to allow you to “level up” or do a boss battle: what really big challenge do you have coming up, or what milestone can you celebrate passing? Give yourself constant ways to progress, and you’ll see yourself finding ways to become more productive while having a little fun on the way.

Do’s and Don’t in Product Designing

In the beginning of the project it was good because the design was clear to all. However, the new design was changed twice which confuses the design team and made them weary of continuing the project. The marketing team pre-printed some brochures though they are worried of the outcome. The sales team found out that they lost commissions, they passed the blame to the design team. When the people in management knew this they gnashed their teeth and in anger rained down memorandums in the company for the reason that their budget is running over.

Sounds familiar right? You might think that functionality is the main purpose of a product but the design of the product also plays a vital role. Although the process in design does not always run well and there are major things that needs to be fixed. The things below are the Deadly Sins of Product Design which you must avoid in order to keep your design beautiful and in line with its purpose:

Tunnel-Vision: Keeping up with a need while creating another one

A good concept in design certainly solves a problem and meets a need. It seems so easy to make a design but the important thing is you have to make one which will not create another problem. An example could be a pair of hedge clippers. Putting a safety lock into the cutters will solve any potential problem. However the user of the scissors should avoid the lock to slip into its original position which locks the scissors so he needs to hold it in a certain way which might not be too comfortable for the user. Be watchful on the design since it greatly affects the purpose of the product.

Glitter: Nice design but costly and impossible to make

Any person that loves designing products wants to have that brainstorming environment where spontaneity and art abound. Making new concepts of design is fun and not a boring one. You can have fun in design making but you need to stick with your goal and that is to make a good design. Generally, product companies go to design firms for the design of their products, however these design firms do not have technical expertise. In the end of it you will find that the beautiful designs that you have made are impossible to produce or they are very costly to make. Thus, it is important to know your budget and resources and use them wisely.

Imperceptiveness: The failure to produce a design that meets the user need.

The user should be comfortable of the design of the product. See ergonomics as well as human factors and study on how your product will be used by the users. Learn to know the requirements of the user. Ask the users to know what are their thoughts of the product. You need to study how will the user go with the product and note the efficiency of the product with each use. The method is good specially when you are planning to redesign a product or make a competitive product in the market. Good designs are those that have good aesthetics which users admire but actually they do not know about its efficiency. If the product will be more on design then it will result in the frustration of the user and the product will be short lived. Make your designs simple so that you can make the functionality of your product at its fullest.

Safety: A mixture of ideas for users safety

You will find many kinds of great ideas on the market but if you want to outshine those ideas you have to be unique. Stun the consumers with your great stuff that you made for them. Prior to making a new design for your product, analyze first the competition in the market. Make your research and know the likes and dislikes of the users who use that particular product and find ways on how you can make the product better. Add some features from other industries and create some ideas to make your product more appealing. See what are the trends in the industry right now and know how you can incorporate your ideas to come up with the next-big-thing. Show the consumers on how well your product is over the competition in the market.

Transience: Designing for today and for the future

If you get the current condition then its fine to make a design for the present. But come to think of the products that changed the world since they were not only made for the present but also for the future such as cell phones, coffee makers, computers, etc. If you want to make a good design then you need have to see the future. Do not be contented with your present good, look for ways on how you can improve your user-product interaction. Think 5 years from now and figure out what would it be. What could be the changes in the user requirements during that time? Where else can be your product be used? Can your product be used for a new purpose? Is there new technology available for your new design?

Egomania: Designing only for the sake of the design

The problem with search for ways to make our design good is that we want to make it look cool and fix those points but really not solving the problem. You need to meet the need first before going to the design. You will have the design as you continue to develop your product. You might find great designs as the one that equates to the success of the product but true success of the product means the product meets or exceeds the user requirements.

Distraction: Fixing the wrong problem

Designing a material needs time to come up with a unique art. However, you need to have control from your fluidity. Usually as the design of the product evolves, there are things that are discovered and things are fixed. This is the most useful part in the process of creation-but you have to use this well. You need to focus your attention always to the original design scope. Do not let your design affect the functionality of your product else you will not end with your product. Return to roots of it and ask yourself why the design is needed for the product. Let’s take for example the new air actuated corkscrew. What the designers have discovered was the problem is not the design of the corkscrew but how to get the cork from the bottle. Rather than making a new cork screw the designers just made the air pump corkscrew to solve the issue. By that example, we can learn that the wise thing to do is to be simple in our designs.

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