How to cope with investment anxiety

… For most people there investments are a significant source of stress. This is especially true during economicaly turbulent times when the value of your portfolio can drop substantially.

Stressing out on about your investments can lead to poor decision making, and can cost strain on your health and family relationships. Here are some tips that can help you cope up with the anxiety during periods of high volatility.

Remind yourself of the facts

Take a look at your portfolio and remind yourself why you are invested in these positions. Perhaps it is because a corporation has a solid reputation, and a history of earnings, or maybe it is done well for you in the past. It may help you re evaluate the reasoning behind owning each investment.

If you are reasoning is still valid then there is no reason to make any changes. Safest of the stocks can decline over short term and that simply is the nature of markets. Reminding yourself out the fax can prevent you from doing something irrational, such as selling a good investment at a loss.

Stay invested

When times get tough you might be tempted to cash out on your Investments cut out your losses. Probably the worst mistake you can make during a market downturn. By pulling out of the market, not only will your paper losses be realized, but you will miss the opportunity to recover these losses when the markets inevitably recover.

Remind yourselves of your financial goals and focus on the big picture. The best defense against a volatile market is to stay invested and weather the storm.

Pay your debts ontime

Investing in market is not the only way to earn a return on your money. If the markets are too volatile for you, consider paying down your debts instead. The return you earn is effectively the interest rate that you avoid paying on the principal. Paying down debt is a guarenteed return on your money and can help you ease your mind during turbulent times.

Turn down the noise

Many invesrtors find themselve overwhelmed with the amount of information that is out in the market. The truth is that most of the information is irrelevant to you, and this is doubly true during financial crisis.

Reading news paper reprots, and predicting every day on how the markets will come crashing down will do little to relieve your anxiety. Focus on what’s important for your investmennts and ignore the rest.

Speak to a financial advisor

If you are anxious about your investmennts, speak to a qualified financial consultant. Every person’s financial situation is different, and having good investmennt plan that you can stick to is essential during tough times. If you find the market voltality overwhelming, your portfolio may be too aggressive. Review your asset allocation, and ensure that it is compatible with risk tolerance.

Investing over the long term is difficult, and you will undoubtely experience multiple market downturns during this time. The markets are inherently volatile and no one can reliably predict when and where the next financial crisis will happen. Spending your nights worrying about your investmennts won’t make it grow any faster. Instead, educate yourselves and focus on the long term and your anxiety will diminish over time.

Modern Startup Funding Myths that Many Still Believe

… Of the things that scare many off the path of entreprenuership, the task of securing startup capital is cheif among them. Before many even think of failure or the difficulties of running a business, the crux of the problem is money that comes first.

The good news is, many of the barriers you may believe exist in securing the capital is no longer existent.

1. People Won’t Lend you Unless You Have a Solid Business Plan

While a business plan is generally beneficial for the future of your startup, its no longer necessary when securing funding. Alternative lenders often only need proof thta your business is viable. A steady revenue stream should be enought to convince many of them to give you the capital you need.

2. Ask for Little.

Part of planning your small business’ future is planning the amount of capial you need. This should cover everything, from manufacturing to paying employees before the revenue starts coming in. It will also need to account for when the company is still losing money.

Despite this calculated number, many still hesitate to ask for the full amount needed when approaching a lender. Often it is because they think the lender is not going to give that much money to a startup, while that may be true in some cases, not asking for a full amount just hampers your company and many may keep you from paying back the loan.

3. Startups are too dangerous

Modern investors are far too more cautious than when they were before the recession, which is understanable. Forturnes were lost. However, people have recovered from that fear. Lending is back is full swing, with over $9 trillion in loans today. It is gotten easier to securing funding from banks and investors as a startup, and even if traditional capital sources fail you, online lenders are still an option.

4. Online lenders are unturstworthy

Whenever something new comes along, scammers are there for the ride. That’s what happens with the internet. When it was new, scammers were everywhere, from spam emails to falling online lenders ho demanded upfront payments as “proof” that you could pay back your loans.

While scammers still exist, online lending is safer than ever before for small buisness. Online lenders have now access to software thet makes it easier for you to apply for a loan safely, without having your information compromised. That isn’t to say that you shouldn’t practice basic safety or do your due diligence. It just means you shouldn’t cross them off the loan option list.

5. Perfect Credit is Mandatory.

While you do need a good credit score, it doesn’t need to be perfect to secure a funding for your startup. Lower credit scores can limit your loan options, but if you are in luck lenders are everywhere. If you can present a strong business plan, proof of viability, or ideally both, you should stand the chance of securing a good loan. Crowdfunding experts, for example, are far more interested in the concept of your vision for the real world than your score. The same can be said of the many venture capitalists.

Entreprenuers are everywhere, now because its easier than ever before to secure funding. That said, it doesn’t mean you can just walk into a bank with an idea and still expect to walk out with a bag full of cash. Getting capital still comes don to having a great idea and a proof of viability.

CyberTim’s Security Tips to Protect your Enterprise IT

Hello, I am cyber-security specialist Tim.

I am penning down a few notes about how you can secure your enterprise servers from attacks.

Zero-Day Attack

By utilising methods, to gain access, that no one knows about, hackers gain access to critical enterprise data, and such an attack  poses a security risk companies data. There are thousands of security test potentially facing your organisation. Everyday there are group of hackers who try to steal corporate data, breach the enterprise security, and keep the company at ransom.

Even if it has not only had the businesses, it largely affects the customers and the confidence they had on enterprise. One of the most dangerous types of thread is called as zero day attack. It is a form of a most plan and attack against your organisation, by utilising methods which have never been identified by the security researches prior to that period.

Are called zero days because organisations responsible for the security updates have never been aware of such a threat “0 days” prior to the first attack. These incidence are extremely dangerous because the user completely new method or root which causes extreme damage, and losses for enterprise companies.

Researchers continue to spend critical time working on a solution where the threat continuous to be unchecked. Wild nature of zero day attack make some difficult to prepare for, there are overall guidelines and best practices that will help your businesses maintain a strong security posture that allows you to mitigate the damage caused by them. One is to ensure every application and anti virus definitions are up-to-date.

While zero day attacks by definition utilise threat vectors that have not been patched out,. We’re still a good idea to keep your software updated in case of an attack. And the payload security flower which has not been resolved by an update. Automating this process with tools aur scheduled task makes it even more effective. If an emergency parts is released overnight to address a new thread the system can already have its install before you even aware of an issue.

You should make sure the PC is are configured and automatically download and install the security updates that you send out. Giving uses the option to decline updates is a serious security issue since you know they are just keeping hitting the usual ‘remind me’ later. Instruct the users to intimate your cyber support provider to install patches, and keep every servers updated, so as at the end of each shift or at least reboot them so that security patches can be installed in a timely manner.


Did you know a new kind of attack called spearfishing leverages on to your enterprise customer service orientation against itself? Spearfishing is one of the newest and most successful type of enterprise hacking attack being deployed by group of anonymous hackers against large enterprises. A variant on the traditional fishing attack, in which spam emails are sent out randomly with fraudulent offers as popular as axis rewards, spearfishing attacks are more crafty. Om David that they can gather through public sources, probably through the target helpful and customer centric business website, along with some judicious social engineering, hackers can pull off cIBIL business email messages in simple English, answer the most appropriately legitimate internal partner are customer accounts.

This may be done using traditional hacking to gain access to those accounts setting up a domain name that has one letter different from the original name. For example – instead of the numeral in the fake website. There are no technical defences against by phishing attacks, however it is of the utmost importance for any organisation to to have an effective policy against any type of such hacking attacks. And, now there are more complex ones. Thanks to unicode based URLs, which can make you click on links that are only visibly hacked to the trained eye. Keep reading our blog for more updates.

Raising Startup Capital: Can you return 2-3x? Get Funded by a VC

.. If you have just gotten up a startup, and perhaps making a little profit, the chances are that you would be burning a lot of cash in marketing efforts, I am promotional activities, apart from paying your regular employees. The chances are would be intending to find a good investor.

After all more money you put into the business at and the startup the better are the chances. How are finding venture capitalist age is probably a bad move. It may seem counter integrative, but in general venture capital does come with a very high price tag. With equity less than 51%, you end up having no control. When you accept a venture capital, you are trading control of the company for someone else money.

Is Venture capital is Trojan horse?

The odds are that it is already against you. There are very few startups raised profits, as claimed. Few startups ever turn into profits, they have follow on Investments. If you have a vision of a company’s business strategy, you may likely become frustrated unable to implement it. When you sell out your a equity to someone else, the chances are your startup, would probably inclined to work for their favour, rather than yours. Funding is one of the foremost asked on your mind as a small business owner. It quessential to liase with the right venture funding team to protect your business.

No money no company

Unfortunately bootstrapping isn’t always viable and sometimes its couple do the traditional lenders giving you cold shoulder. You probably try venture capitalist, but it’s not easy group to attract.

Innovative and unique idea

Venture capital is our condition towards failure. 9 out of 10 of their investments are expected to fail at early, and they want to make up the rest with the Last of it. Despite, VCs wont just join up with any company. A VC wants striking and unique ideas. You they want something that’s never been done before they wouldn’t be looking at small businesses. The idea has to be sustainabilite. A few of the products are great at the moment. But there is a risk rapidly at pace, with the chances of becoming obsolete for one reason or be another

Sometimes it’s due to eminent and technological advances. And sometimes it’s due to rapidly developing market. Whatever is the case you be hard pressed attract venture capitalist into your business if your product works short term.

Great business partners

The people running the company are just as important to the venture capitalist, as the idea behind it. Your partners are responsible for their money. VCs don’t trust your cash if you don’t have the right skill. No VC would join you if you and your partners, are not able to continue a meaningful relationship.

Potential for return of investment

Venture capitalist are not there because they like you. They are here to make money and the most often to make it within a very short time frame. And, all you don’t need to make money overnight, but just show them the fact you can happen one day. Profit projections backed up by initial sales and market response is a big help. The focus on showing them the numbers is you are number one priority

Don’t use emotions. No one is fairly interested in any.

Prove them that your businesses can make money. Nobody wants a guarantee they just want the odds in their favour. Your products have to sell, and that’s also your common problems. The best way to determine whether or not a product has a bright future to do if it’s also solves a common problem

While market means a lot of potential revenue which attracts venture capitalist. You are small business might not have a product that has a white reach so you will have to show them the market that does exist is big enough to promise then great returns. New market research and show them the numbers to convince from your company’s viability.

Attracting venture capitalist to your small businesses is not impossible but it is very difficult. Less than 1% of the small business actually do get into venture capital don’t put all hope on them. There are 20 ways to get your money for your business but you have to go there and look. Good luck and keep reading to write this back in case you have found our articles useful. Subscribe to our blog and keep receiving newsletters. We wish you all the best ahead.

Marketing Your Lean Startup!

… Marketing a Startup is the most difficult challenge of an entrepreneur, especially when you have a lot of budget constraints and limitations such as human resources. How can one generate more clients with just a few resources? Fortunately not all is lost. In the last few years digital marketing has evolved into an even more meaningful business. You can get your audience attention without having to spend a fortune.

Be active on social media

If you are reading any type of literature about the 21st century marketing, you probably would have guessed network such as Facebook and Twitter have exploded to become the most popular, digital medium across the globe. In fact, everyone almost spend a few hours everyday in our favourite social media networks.

The beauty of social media networks for small businesses is very simple. It’s free. Anyone can set up a business account and start engaging with organic marketing without spending a dime. That you need is quality time and the understanding of the type of content your audience wants to see

Strategy of causes key to success

Follow the 20 by 20 rule. Only 20% of the content that you shared should be promotional. The rest of the content needs to be relevant to your potential followers. The key to posting useful content that your audience is likely to engage with is building an audience to promote your business uniquely, and effectively on social media.

Leverage your existing customers

Potential customers are nothing more than hearing from there peers. As much as you can tell about the benefits of the products, they won’t believe until your previous client has concurred with. Leverage your existing customers to both inexpensive and crucial small business marketing success. A recent survey, has found 88% of the consumers trust online reviews from perhaps unknown strangers much to the personal Recommendation of friends. This is perhaps shocking. But testimonials from unknown strangers, be enough for $1 or perhaps even lesser worthy products.

Branding, Brand Name

It takes a serious person to understand what it is about branding. Think twice. Mentions spending millions on owning a single brand name. If you want to grow your business, you first need a build brand that is identifiable, and Suites every generation of consumers. In today’s world customers are looking for real connection with the business we support, And they want to know if the forms of like the values and the vision of each others. The businesses that are able to false that connection and bill solid brands are the ones that will succeed, while the less branded companies will fall by the wayside.

Making your Global brand

Is everything with the world revolves around businesses, the best way what doing is, to learn from all this great leaders, how to build a quality brand and a compelling brand narrative. Understanding audience demographics is the key. Until you know your customers, nothing else matters. Leaders know that a customer is a key to everything they do. And branding is all about developing a great relationship with the people who buy their products. Any given marketing team, works hard to understand the needs of the clients who need creative branding.

What’s your story, kid?

The best the best marketers are the ones who can anticipate customers based on things like demographic profiles, survey data and business intelligence the brand should present a consistent image. Consistent branding is essential, that successful business leadership know all too well. Businesses customers should not be confused when they look at the various online and offline marketing campaigns, the company claims to be.

There should be absolutely no disparity between what you sell, and what you market. A brand should tell its own unique story. Most successful business owners no building a great brand telling a compelling story. Look back how far you have come, look back where you have started, connect the dots and tell the naked truth, that will engage your audience. Should build the story you tell. Any brand should project and air of confidence and competence. Telling a great Grand narrative may not be as difficult as you think. But always stick to the truth.

Work-Life Balance: Not happy at work? Signs are you’re burned velvet

Work stress? Are you close to a burnout? Burnout signals that you have had enough, and you have lost the enthusiasm and energy in your current work. Obviously you would dislike your job and not recognize the possibility of a happy future.

Identifying you are close to a burnout at work, give you a chance to make certain things positive and reduce the stress. The fact is that, what you express as a leader, goes all the way from top to down. Your employees depend on your positivity and optimism, for them you have happy careers.

There are several reasons why are burnout might occur. Undesirable changes at the work, lack of self esteem or support, personal problem spill ing into the work, aur job dissatisfaction may be to blame. The point is whether it was your hormones are your new boss that has arrived in the scene, that makes something change. The change may have been gradual or fast, and its impact may have been left you stressed out.

Here are few signs before you look out the window.,


When a Burnout is near, you would be slow and tired. Your body may ache and you would be less productive than usual. You might eat well and exercise in an attempt to feel better. But your Lethargy stems from emotional cost. Consuming healthy foods and staying in shape is helpful. However until your address your mental health needs and get rid of anxiety, your problems will still remain

Lack of drive

Improve your performance would drop. The point of trying, without and enthusiasm, you would feel blue no work what satisfy you. Hate you may wonder if you should give in, or simply have the confidence to alter your course.


Burnout will make you less efficient because you are  miserable and weary. Did you absence of motivation you becomes love sluggish. And, being and productive will alienate you from your colleagues, and they take up the slack, is out of favour with your boss. You get the message that you are in good at your job which only makes things worse and increases stress.


Husband not hands on you, you could become a magnet for viruses that becomes a feedback. Numerous sick days might follow are you may fake, or that you are unwell. Your body would be slow to heel, and the sensation of being constantly off colour will arise.


You may begin to lose your sense of humour. Meeting clips from colleagues with the poker face. As you don’t find them funny. Additional you have negative thoughts and be cynical and gloomy as stress grows.


Burnout creates distance in relationships. You won’t feel engaged when communicating or want to socialize. Consequently you will spend less time with friends. Fortunately not connecting with others reduces support and you may feel lonely.

How to deal with burnout

If you are experiencing burnout, selfcare communication and support will be helpful. Look after your  needs and avoid adding extra stress to overload. The changes at work mail make you unhappy. And I talked to your supervisor if this is the case. Also keep in touch with your friends. And try, not a limit others by being aloof or negative. Don’t be afraid explore weather you’d more satisfied with the different job. Good luck!

… And, now you’ve my permission to look outside the window.

Financial Advice: There is No Fun When your Startup is Burning Cash

There are a lot of financial habits you should break right now, if you are trying to scale your startup at the cost of burning up cash. Sometimes most all the things we are wide have a profound impact in our lives. Smoking, drinking and other unhealthy habits will change your life for better and the same is true when it comes to finance. When there is nothing wrong with taking a proactive approach to your financial life, you are bad money habits maybe even more important. If you want to change your life it is better to keep more of your hard earned money, and avoid any debts.

Making impulse purchases

From the departmental Store to grocery store lies, temptation live everywhere. Brands attract. And it is hard to resist, from being tempted, with an impulse to purchase again and again. After few days we look at the things we have bought and wonder, do we really need all this? Startups want scale. But, scale does not coome at the expense of spending large money.

If you want to break this financial habit try in stating the 48 Hour rule. Before you make any unplanned purchase, wait for 48 hours. Take two days time to reconsider your decision if you really need the item. Chances are you can find that you can live without it.

Not building an emergency fund

Easy to put of saving for the future but neglecting your emergency fund could cost you dearly. Without an emergency fund there to fall on the smallest financial setback could break your life. Something as simple as a mechanical problem with your car or an unexpected bill could send you into your financial taleSpin which you might never recover. Building an emergency fund is not as hard as you think. Sometimes a simple ascending $10 for each paycheck to a savings account can get you started. Once you make a regular savings habit you may find it easy to ramp up your contributions and put money aside for a rainy day.

Saving startup captial

It is hard to keep money in your pocket when you are paying for things you don’t need to. Any business needs credit to accomodate losses. Interest rates on your credit card scheme period of before you know, spent hundreds or even thousands of dollars.

Go to your bank statements and look for maintenance fees, charges, another unnecessary charges, android to minimise every expenditure. Talk to the people at the bank provide any charges. Pay off your Angel investors, friends and families in time. Don’t let your loans go bad. Paid on your credit card balances whenever you get an extra money, I’ll always try to keep those balance tallied.

Paying off office rents

The biggest challenge is paying off your commericial office debts. With 18 % interest is just life making 18% of your money something that would be nearly impossible to achieve. Taking this financial habits can make a huge difference in how you relate with money. Little bit of hard work and determination you can get all this things straight. Not long ago business debt was mostly seen a something to avoid at all cost, Modern society it’s most considered natural state of being. Most people today or at least some amount of money to the bank whether through a credit card or Finance.

There are larger debts such as morgate or home equity loan. For the majority of people in that the situation is somewhat uncomfortable and undesirable. But an accepted part of the financial reality he is taking a loan. Owning money is a real problem with side effects that spread across all aspects of life. If you are one of those person struggling with debts, you will know about making feeling you get constant undertone in your mind. You would be stressed out eventually. In short bad loans can be very terrifying it does not mean that you simply have to live with this fear. Take proactive steps to dig yourself out of the horrowing situation.

Assess your situation

How to acknowledge? If you can’t continue with the situation you need to be proactive in your responses. Sit down and take a look in your financial circumstances. Well the process is likely to be difficult and unpleasant it is an essential step. It may be even the case the situation isn’t as bad as you think Please have a way of reading on themselves when it is not face down. Do you need to know precisely what you are dealing with if you are not making any progress.

Set up a financial budget

The little part of the process is to put together a basic budget and list all your income and outgoings alongside your debts. This may probably not help in a situation directly. What doesn’t add up, will help you realise your spending habits. To start something you can leave your hands it and go forward in a mental path.

Deal with small matters

Newly drawn up budget reveal any problems that could be dealt with relative ease? Are there any obvious ways you can come back on spending? Up there office was there your face with serious loan problems but you miss simple matters due to difference in stress levels?

Contact your creditors

One of the greatest source of fear and anxiety surrounding liabilities is having the feeling of no control when you are creditors work against you. How do the worry is a perception that causes fear, it’s something we need to deal with. If you aren’t honest, and struggle need any applications avast majority of them to be less understanding.

Many creditors will want safe got there money you owe to them, and make sure you restructure your payments once action proceedings realise. At which offer creditors to inform them of your situation. Not all Angel investors will be prepared for your emotions. As a Startup, set up a payment plan that allows you to continue with some level of repayment. This may not grant your request, but in any case it would have established a sense of control by doing so. Action stand in good faith if matters progress without legal discourse.

Seek advice

There are a lot of startup Advisors for financial help. Well securing and negotiating new payment plans from Angel investors, I’m dealing with lenders on your behalf take a huge weight off your shoulders, actionable credit plan. There are a lot of Non profit organisations which offer counselling.

An alternative way to pay off your liabilities, is by handling your affairs. Choose what you want to avoid, avoid companies and suppliers that promise and and realistic solution to any problem. There are a lot of legitimate cases, valuable services often end up as a cowboy service. What a good paid plan, should help you is how you large amount of stress in repayment negotiations, that are likely to be more successful counselor experience, and emotional involvement.

Considering bankruptcy? Don’t

Unfortunately a lot of situations when serious bankruptcy is involved. Find yourself in such a position there is no reason to give up entirely. There are different ways to enter into insolvency but since long term finance is usually impacted by the way you handle a process. Professional help at any stage is essential to minimise damage. Once again doing something is always better than trying to ignore the problem. Whatever you do take necessary action. How large or small the depths problems are in comparison to others, it still can cause a lot of stress and worry. Although there is likely to be an easy solution, take vital control of taking control over your difficulties. What about the final outcome is, things drift with its own pace.


Let’s talk about ventures… Shall we? Quick… Quicker… Quikr

Writing all about SAP, talking all about SAP, and breathing all about one sector is infact quite boring. Let’s talk about ventures… Shall we? I started a little read on few enterprises that are carefully phasing for more seeds of rounds.

Many tend to look at the average startup environment as network, which is comfortable and implies a sense of order that creates a well-defined hierarchy. At the bottom would be those companies that are designed chiefly to bolster those that are meant to ascend to greater heights. In accordance with how successful each company becomes the pyramidal structure continually narrows as it ascends. Eventually it is seen to culminate at its apex with those few companies that are considered to be worth well over a billion dollars unicorn startups.

Quikr has rapidly become its own entity after being founded in 2008 by Pranay Chulet and Jiby Thomas. It is essentially the same type of site as Craiglist, which admittedly inspired the site to begin with. At the current date Quikr is estimated to be worth roughly $1.3 billion dollars, settling it easily upon the top tier of businesses that have achieved such greatness. To Chulet, who had been working with U.S. prior to founding Quikr, the idea simply made sense. Very similar to the effect felt in America by Craiglist, Quikr offered the vast number of people in India a chance to put aside their newspapers and stacks of classified ads in favor of a much easier and more extensive platform from which to buy and sell goods.

Continuing in the same model as Craigslist, Quikr also offers the chance for many smaller companies and enterprises to market their goods and form lasting connections with their customers, making it far easier to gain the needed exposure for their brands. Such methods as Justdial were already present before Quikr came about, but their progress was quite slow and not as reliable. They were still geared towards replacing bulky and largely unused newspapers, but they were still equally as slow and unreliable in some cases, requiring a great deal of effort on the part of the buyers.

Revenue Loss %
Flipkart 17930 5769 67.82487
Snapdeal 1457 3316 -127.591
PayTM 869 1534 -76.5247
ShopClues 179 383 -113.966
Quikr 95 534 -462.105
Zivame 65 54 16.92308


Despite this, Justdial is still a large competitor for Quikr, largely because Quikr is an optimistic service that has not yet gained any true roots within Indian culture. It’s worth is estimated, and not yet assured. Despite this, current changes in how the platform is run have shown that Quikr still possesses a great deal of promise. While the site cannot fully emulate the many different functions of Craigslist or display its versatility, it has been reconditioned in order to better serve the public that it has been designed to help.

Quikr still has a ways to go before it can be considered a true comparison to the site that inspired its creation. However, by taking a different tactic and employing a more vertical mode of business rather than the horizontal method that Craigslist employs, the site and its founders hope to eventually create a more steady base from which to continue their ascent to the top of their industry.

P.S. In no way, am I promoting Quikr. I am 100% sure it has a repute for its annoying ways to call up clients in the middle of the lunch or at a hospital at-least 20 times a day and demand us take the service. Read between the lines my friends. One word for investors – Avoid.